CITIBANK, N.A.
Consumer Complaints
There are over 53324 complaints on file for CITIBANK, N.A.. Dated between 2019-12-12 and 2011-12-01.
Complaints Page 718
2017-05-24
FL
Other features, terms, or problems
Credit card or prepaid card: Store credit card
Other problem
Complaint: Update to Case number : XXXX Citibank did not close my account when I requested it in writing and has reported false information that I am disputing my balance. I have attached all my communication with XXXX XXXX XXXX that was not sent to you since her letter dated XXXX . It was convenient and shady that all this communication occurred after the case was closed. I do NOT want to deal with XXXX XXXX again. Her involvement was a waste of my time and did not resolve my formal grievance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2017-05-23
Lk Buena Vis, FL
Problem with a purchase shown on your statement
Credit card or prepaid card: Store credit card
Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: In XXXX I paid my balance in full and closed my credit account I had with Sears/Citibank. In XXXX XXXX I received an email from XXXX that there had been a change in m y credit score. I logge d in to view the change and saw tha t Sears was reporting I was 60 days late. I immediately called Sears to inquire how this was possible. After many different transfers to several diffe rent departments, I was finally informed that there was a past due balance on the account that had been closed for almost 2 years. I was told that in XXXX of XXXX a payment was sent in by anoth er Sears credit consumer and that their account number was input wrong in to the computer system which happened to be my account number on the closed account with a zero balance. They said at that point a credit sat on my account for 90 days. After 90 days they said any credit on an account is then sent out to the consumer in the form of a check. Sears st ated they sent me a check in the mail for the amount of the credit, approximately {$500.00}. They said it was only after the check was sent out that they discovered the error in applying someone else 's payment to my closed account and at that point charged my account back in the amount they claim they sent me a check for. I informed them I never received nor cashed any check from Sears/Citibank. They stated they would have to open an investigation to determine what happened to the check, which I obliged to. I also told them that I would provide my bank statements showing there was no deposit from them. After about a week, I was contacted by Sears who told me they determined the check was never cashed and the error would be updated and removed from my credit report. ( Error to include 60 day late payment as I was never late, nor had I owed a balance on the account since XXXX ). They told me they sent all the information to the credit bureau to have my credit report updated. I checked my credit report again in XXXX and saw that the only update to my report was that the account was then reflecting a XXXX balance, however was still reporting that I was 60 days late in XXXX . I called back and they told me that the balance update is much quicker than the late payment update ; they assured me the correct information had been sent in to all XXXX bureaus and would be removed. In XXXX XXXX I applied for a home loan and received a copy of my credit report from my mortgage lender. Sears/Citibank is still reporting to the XXXX bureaus that I was 60 days late XXXX . I contacted Sears/Citibank again and explained the situation. XXXX ( employee ID XXXX ) apologized for the trouble I have had in almost the past year with the account. Confirmed that the notes reflected in their system on my account state that there was a mix up and I did not owe a balance, nor was I late. She stated it also stated the corrected information had been sent to the credit bureaus. She said she was submitting an urgent request to have the late payment removed from my credit report. I also asked if she could fax proof to my mortgage lender ; stating the 60 day late would be removed. She consented and requested contact number, which I provided. I was informed 2 days later that the mortgage lender received the fax, but the fax stated my credit report would not be updated because they are reporting the correct information. I then contacted Sears/Citibank again. I explained my situation again to the gentleman who answered my call for what seems like th e 100th time to this company and again they were very apologetic about what was happening to me. He stated XXXX made a 'clerical error ' in selecting the document she sent my mortgage lender. The gentleman confirmed that an urgent request had been sent to the XXXX bureaus. He stated he would have a supervisor contact me personally to ensure they are doing what they can to fix this problem. I received a call on XXXX / XXXX / XXXX from a supervisor in the escalations department. She apologized and stated the negative information should be removed from my credit bureaus and that they could resend the correct fax to my mortgage lender. I have given them many opportunities to correct their error. No consumer should ever suffer in this form. Not only did I not owe a balance, I never received a phone call, a statement, or a check they claim they mailed but was n't cashed. They s ay one thing and do another. And now I 'm in the process of buying a home and this is affecting the interest rate and my credit rating. Any help would be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2017-05-23
NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-23
Chicago, IL
Getting a credit card
Credit card or prepaid card: Store credit card
Card opened as result of identity theft or fraud
Complaint: I 'm a XXXX XXXX XXXX XXXX independent adult child living in XXXX and my Dad and the rest of my family is in Mississippi, but we still talk on the phone all the time and every day. I 'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but I 'm very smart and I even though I do n't notice things right away - I am able to put the puzzle together eventually. I went to the nearby Costco in the XXXX XXXX area of XXXX and registered as the Executive Signature Account member and I added my Dad as a secondary member with purchasing privileges, because they do n't have a Costco in Mississippi yet. Costco 's rules and advertisements clearly state that the primary Executive account holder will be responsible for all payments and all of the charges made by the other members signed up under their names. Well, The lady who registered me at the desk - it was super crowded - kept asking me to put information in a pin pad and then she said something about one way to pay at Costco and I should put in you know basic information like phone number and social security for myself and my Dad. She said that she did n't have a decision for whether I was approved or not - I thought she meant the membership, but apparently she was signing me up for some Visa Card through CitiBank sponsored by Costco - and she said when I come back next time she 'll help me again if it did n't work this time. So next time she got the card for me and took my picture for my new credit card and told me that it was my credit card and my Dad would also get a copy, since the mail was going to my home in Mississippi. Eventually some lady at CitiBank called my Dad and my Dad called me and he was angry and he had to explain to me what happened, so I went to Costco and asked another lady to fix it and she assured me she would. Then CitiBank closed the card right before I was about to take the vacation that I had purchased everything on the card for, so the vacation did n't happen. And the card is n't under my Social Security number, it is under my Dad 's and he is so XXXX. It should be under mine, because Costco said I am the responsible one. I want to work on my credit score, my Dad already has like a XXXX!! I registered my bank account and made no secret of who I was and that I assumed it was my card. I experienced some confusion as to why they would make me always put in information for both cards, but apparently I was just the additional card holder. My Dad was n't even there. Ctibank still has n't sent my Dad a denial of account papers and when I went to a branch in XXXX on XXXX XXXX the other day the man at the counter named XXXX refused to provide me the paperwork too. Please protect me from CitiBank suing me - I live on XXXX and that vacation that they ruined was going to be the only vacation I had ever taken like that. So since they would n't transfer it to my social security number or work with my Dad and me in anyway, and kept saying that Costco does n't matter because they are the bank - but Costco signed me up! Instead of signing me up they signed up my Dad. That is fraud and identity theft, but I believe in this case CitiBank knows they committed fraud and thinks they will pass it off onto me since I 'm just some XXXX XXXX kid, but I 'm smart and I know that what they did was not legal and that Citibank and Costco have conflicting clauses. CitiBank is now using abusive collection practices and I think they are about to file a lawsuit, and I would like you all to stop that, because I ca n't handle another headache and my Dad 's mom is XXXX from XXXX. If they want to try to push the issue instead of issuing my Dad and Myself ( and I want any negative comments regarding this incident struck from the company records, since they engaged in illegal banking activities and cramming and garnishing my XXXX money for paying the credit card bill. ) I disputed the payment with XXXX XXXX XXXX, but since XXXX XXXX XXXX has no ADA accessible branches, like CitiBank, I 'm not easily able to do banking and it sucks. CitiBank is a bully bank and I 've returned all their phone calls and I can prove everything I 've said here and more, so I dare them to challenge me on anything. If they say they are recording me, does that mean they assume I am recording them too then? I am not saying I recorded anything - but it is a question I 'm asking. The way I 've been spoken too by CitiBank on the phone is just short of a Hate Crime status in terms of berating a XXXX adult and calling me a criminal when I do n't let big corporations scare me like that, because I walk with XXXX in Truth and when you are in Truth then no evil can touch you ... so I 'm confident CitiBank will fall and I am sensing this is not an isolated case of mixing up social security numbers and selecting a number with a higher score. This is definitely civil rights violations and they told me I 'd never have a credit card again and I 'm going to jail and I had n't even the chance to say anything. I did nothing wrong and never hid a thing or acted like a criminal, as any judge would see - please issue something like an order against them demanding they return all money they took from me and erase any history of these cards from my Dad 's social security number. He was in Mississippi at the Time!!! The Credit Card has my picture on it and is also my Costco ID. I mean, please - CitiBank is so ridiculous and abusive that I do n't know what to do. I would definitely like to counter sue if they proceed with any actions. And they should definitely somehow make right what they ruined when I missed the chance to go on the rare opportunity to go on a trip with a friend before I die. Please help me y'all. Please do n't let them hurt my family now, we are hurting already. They are a bad bank. And shame on XXXX XXXX XXXX for not helping me! Costco just acts like they have nothing to do with the situation! I want somebody to contact me and I can explain better because I 'm typing fast in order to get all my thoughts downXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is barely enough to live on with all my medications! Help me fast please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-23
Ft Myers, FL
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Complaint: This is in reference to a Costco card issued through Citi. At a Costco location, I needed to add myself to my business account which already existed. Instead of adding me to the account already opened, the issuing location erroneously/fraudulently established a separate account under my personal information, resulting in a separate hard credit pull, and an additional credit line open to me personally. I have attempted to resolve this with Citi o n XXXX / XXXX / 17 at XXXX . They said that they were unable to reverse the hard pull on my credit. Citi advised me to close the account that had erroneously been opened in my name, helped me add myself to my business account, and encouraged me to contact the C FPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2017-05-23
Wallington, NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I made a purchase in the XXXX Macy 's store for {$8.00} on XX/XX/XXXX using my Macy 's credit card. I returned this item a few days later. I never received a XX/XX/XXXX or XX/XX/XXXX Bill. I thought my balance was " XXXX '' since I never received any bills and I had returned the only item i purchased during that time period. Note : Macy 's does n't send a bill if the balance is XXXX The moment I received a bill I noticed I was past due and called up right away to see why. This was on XX/XX/XXXX. Customer Service was understanding enough to waive the fees however we were never able to figure out where the {$8.00} was credited back to since it never went back to my credit card. Macy 's customer service was supposed to investigate the issue. They never got back to me. I did n't have that much time to put into the issue since it was only {$8.00}. Now I am trying to get a mortgage and this late payment is weighing heavily on my credit score. I was never aware that this was a derogatory mark on my credit history until a year after. Macy 's never said anything about it at the time either. I have tried to dispute it through XXXX and XXXX with no luck. I 've tried to contact Macy 's. They keep saying they will get back to me in 72 hours which they never do. XXXX said you guys are the best so I am pleading for your help to resolve this. I have also resorted to starting a firestorm on Macy 's Social Media 's account and they still dont seem to care about their customers. I have learned recently that there are many people who are having the same issue as I am. Please Help! Thank you very much in advanced.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-23
Three Bridges, NJ
Dealing with your lender or servicer
Student loan: Private student loan
Trouble with how payments are being handled
Complaint: Citibank student loan has inaccurately represented its actions in regards to my loan. I did not receive any such letter indicating my loans would be transferred to XXXX . More importantly XXXX and Citibank utilized the same PO Box/billing info, this is the main reason my accounts defaulted. All of my payments were received by discover and the excess were applied to the principal. I contacted bot h Citi and XXXX to try to resolve this issue and I have yet to hear from them. I am writing this complaint in an effort to show how the XXXX institutions mishandled the transfer of my account and as a result causing consumer harm. CFPB is my last and best effort to work with the XXXX institutions to resolve my debt. It is hard to understand why Citi nor XXXX would not try and work with me despite the damage done to my credit. Where i s Citibanks and XXXX social responsibility team in all this??? if you visit their page each company will paint a picture advocating how they are working to help people but when actual consumers ask for help they are all business. If corporations like Citibank and XXXX are not willing to take responsibility for their errors, CFPB is the lower class last hope of fairness. If this happen to me there is a big chance others are suffering from the same issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-23
Santa Ysabel, CA
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Complaint: Despite paying off my balance in ful l, Macy 's has charged a {$2.00} " minimum interest fee '' to my account every single month. In XXXX , I got fed up and initiated a complaint with a Macy 's repres entative, XXXX . Within that communication, XXXX confirms that I paid my balance in full and that he will close my account, which he subsequently did. Despite that, on my next statement in XXXX ( after my account had already been paid in full and closed down ), I was char ged another {$2.00} fee. This is incredibly frustrating, and quite frankly dishonest, to keep charging interest on customers who have already paid off their balance, especially since it was confirmed by the issuing company. I doubt that I am the only one imp acted by this and I encourage others to submit complaints as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2017-05-23
Tarzana, CA
Improper use of your report
Credit card or prepaid card: General-purpose credit card or charge card
Credit inquiries on your report that you don't recognize
Complaint: I got a hard inquiry from a company call ed CBNA ( XXXX XXXX XXXX XXXX ) XXXX XXXX SD XXXX Date of inquiry XXXX XXXX 2017 Was not authorized.. fraud ..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-23
Aurora, CO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2017-05-23
La Tijera, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-23
Glendale, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I am growing so frustrated wi th Macy 's not correcting wrong information under my credit card account on all of my credit reports. I used to have an account wit h Macy and t he number was # XXXX . The account is missing many many months of information but in XXXX of 2013 it i s displaying a 30 day late and this is not correct and it is terribly damaging to my financial life. I have never been late w ith Macy 's, a nd when I had problems processing a payment it was due to the associates errors and lack of communication fro m Macy 's w ith me. I have always made my payments on time and I already disputed this information nicely and asked that they fix the 30 day late displayed and I was told by a manager that that would be done but it had not in a long time so i filed a complaint on this database. This is actually my second complaint and I was so appalled to see that they had " verified '' the information and put false notes on my credit report claiming that their information was FCRA verified. THIS IS NOT TRUE! How can they say something is FCRA accurate when they have not provided me with any proof or documentation as to how this late occured, especially after I brought it to their attention that the way and the timeframe as to how the associate handled my payment was confusing. This company is lying to people and refusing to follow the law and they simply do n't want to be wrong, that is how it seems to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-23
Baton Rouge, LA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened or suggested your credit would be damaged
Complaint: XXXX ,2014- $ XXXX - as k XXXX XXXX to remove this off my credit report because this account is past 7 years and n o one call me,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-23
Brentwood, NC
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2017-05-23
Chester, NY
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-05-23
Ijamsville, MD
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-23
Simi Valley, CA
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Didn't receive advertised or promotional terms
Complaint: received limited time offer for credit card offering up to XXXX XXXX XXXX miles. Applied using unique invitation number online ... then was instructed to cal l citi ... which I did..Representative asked me to identify myself and asked if I had applied..I said yes ... after a moment she said card was approved and I would receive in about 7 days. In my email today I have email dated yesterday ( X/XX/2017 ) at XXXX XXXX saying credit card was approved and i should be receiving in 7 days ... ..then another email sent several hours later saying application was under review and i would receive more info in a week. M y credit score i s over XXXX so am confused and upset that I was told verbally and online that card was approved ... then that application is " under review. I can supply documentation ... .limited time offer letter and emails if needed. The bank involved is Citibank NA. invitation number XXXX ... ..application number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-23
SC
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: XXXX XXXX IS A GRANT TO HELP STRUGGLING HOME OWNERS AND YOU DID NOT PARTICIPATE IN THE PROGRAM. I AM AWARE THAT YOU DID NOT HAVE TO PARTICIPATE. BY YOU NOT PARTICIPATING PUT ME AND OTHERS IN A TIGHT SITUATION FROM A STRUGGLING ECONOMY AT THAT TIME. YOU STATED THAT YOU ARE NOT GOVERNMENT SPONSORED. HOW CAN YOU NOT BE? YOU DID LOAN MONEY FOR MORTGAGES, YOU WERE A FINANCIAL INSTITUTION. SHOULD N'T YOU BE REGULATED BY THE GOVERNMENT? MOST FINANCIAL INSTITUTIONS ARE. WHAT KIND OF INSTITUTION ARE YOU? BY YOU NOT PARTICIPATING CAUSED DAMAGED TO A LOT OF PEOPLE PROBABLY, PROBABLY ESPECIALLY TO XXXX XXXX AND OTHERS OF XXXX . LIKE YOU SAID YOU DO NOT HAVE A RECORD OF ANY OF YOUR EMPLOYEES BEING RUDE, BUT THEY WERE, I DID NOT EXPECT YOU TO ACKNOWLEDGE THAT. I WAS TREATED RUDE AND GOT THE RUNAROUND. YOU DID NOT HAVE THE DECENCY TO SAY I APOLOGIZE IF YOU WERE TREATED RUDE. YOU DID CAUSE ME DAMAGE WHEN YOU SERVICED MY LOAN. I AM NOT SATISFIED WITH YOUR RESPONSE.
Company Response: Closed with explanation
2017-05-23
Norfolk, VA
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to sue you for very old debt
Complaint: Home Depot sold an account to XXXX XXXX XXXX XXXX in the amount of {$930.00} and they have been contacting me all times of day and night and threatening to sue. I have no written or signed contract with XXXX XXXX . I have made all XXXX credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX aware of this matter, yet they continue to report inaccurate information on my report. This matter has become a troublesome situation for myself and my family. Any help in assisting me with this matter is greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-23
P C Beach, FL
Incorrect information on your report
Student loan: Federal student loan servicing
Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-23
MI
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Complaint: On X/X/17 , I made an e-paymnet through Best Buy 's payment system, for the amount due of {$61.00} ; the payment cleared my bank the same day. On XXXX , Best Buy ( Citibank ) contacted me and indicated I was 10 days late and assessed a late fee of {$35.00}. I indicated that I had paid the amount the automated system indicated was due . Citibank re p 's only reply was that the paper statement indicated a different amount. In shor t, Citi 's auto mated payment system appears to have not kept pace with billing. When I called a representative to attempt a fee waiver, the rep indicated that this was not my first late ; and that they would not waive the fee. I 'm puzzled as to the relevance of such a statement, when the issue pertains to their e-payment system, not MY pay history. I paid what their system indicated was due, within the timeframe it was due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-22
Peachtree City, GA
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-22
N Valley Stream, NY
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-22
Wichita, KS
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-22
Belvedere, GA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation