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 2
2019-12-06
Burlingame, CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Complaint: My account was closed without notice on XX/XX/2019 without notice by bank, They claimed i made a dispute that was misrepresented. I had not, they would not hear my story or discuss what happened and all communication had to be done by snail mail, which they did not respond to.
I have resigned to the closing of my account and started using different credit cards, but to add insult to injury they are now stating that the cashback i have earned on the account is being forfeited and I will not get the {$950.00} that i have earned to date. I must have spent over XXXX with them to get that amount back in cashback rewards. I could have used any other of my credit cards to get points/miles instead.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-12-06
Seattle, WA
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Complaint: On XX/XX/2019, 20 fraudulent charges were made on my credit card with the same description, XXXX XXXX XXXX CA, for a total of {$1000.00}. On XX/XX/XXXX I became aware of these charges and called Citibank to ask for them to be reversed.
On XX/XX/XXXX I received a credit for 10 of the fraudulent charges, however the other 10 which have the same details, remained on my account. Since then I have called both customer service and the security team at Citibank on many occasions and have been reassured time after time that they are investigating the charges and that I will receive a credit in the next few days, however no credit has been issued.
Through all this Citibank has never contacted me once, and I had to always contact them and waste countless hours on hold. It has been a really poor customer experience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-12-05
AL
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Information belongs to someone else
Complaint: On this office obtained a copy of my credit report and it was a result of fraud. I am a victim of Identity Theft and I ask this office to handle this in a serious manner. I have XXXX XXXX and additionally signed up for credit monitoring services with the credit bureaus and have reached out to Innovis as well. I have added a security freeze to my credit file to prevent this from happening in the future. I ask this office to complete an investigation and remove this from my report and any fraudulent address, phone number, or any information that does not belong to me that the unknown person used to apply for the account. I reached out to this office only to be transferred to someone who is foreign repeating everything twice or talking about something else other than my name being used. I have even been placed on hold only to be bounced around from person to person and the phone being hung up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-12-05
NY
Problem with a purchase shown on your statement
Credit card or prepaid card: Store credit card
Overcharged for something you did purchase with the card
Complaint: I used my Brand Source credit card to make a purchase on XX/XX/19 with a 48 month interest free payment plan. I did not realize that my online account was still set up on auto pay to deduct a {$220.00} payment, due to a previous purchase that had been paid off. I scheduled my calculated monthly payment for the interest free plan which was withdrawn from my account on the requested date, but the auto pay withdrawal also went through. When I contacted Brand Source they stated they would reverse the auto pay payment and refund my bank account for the withdrawn amount, which they did - but when they reversed the payment on the Brand Source account they created a separate Regular purchase, instead of putting the {$220.00} back into the 48 month interest free payment plan. So now my account is showing that I have a 48 month interest free payment plan and a {$220.00} regular purchase which is accumulating close to 30 % interest. I have contacted them multiple times regarding this and no one seems to understand what I am saying. My calculated monthly payment is now higher than planned due to the accruing interest on a regular purchase that I never made. I have already paid {$4.00} in interest due to their error and them not promptly correcting it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-12-05
Mem, TN
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-12-05
Grosse Ile, MI
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: I pay my credit card balances monthly, in XXXX of this year ( 2019 ) I inadvertently paid the wrong credit card, in the amount of {$1100.00}. When I discovered the error I immediately called Sears ( who handles this MasterCard ), they refused to reverse the payment and started asking me for my bank account information ( as if I am going to give that to a stranger over the phone ). I asked them to then send me a refund, they refused to send me a refund immediately but said I would automatically receive my refund in 60 days and that this was the only option if I failed to give them my personal bank account information. It has now going on 5 months since this happened, I called again over a week ago and was told I would have my money in 7-10 days, and once again I have received nothing. I feel that they now owe me interest, they have almost {$1200.00} of my money! I am furious. I also requested that due to the fact that they never returned my money it should be sent overnight to me, which they refused. The person I spoke to the second time was XXXX in Idaho, Team XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-12-05
AL
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Information belongs to someone else
Complaint: On XX/XX/XXXX and XX/XX/XXXX, this office obtained a copy of my credit report and it was a result of fraud. I am a victim of Identity Theft and I ask this office to handle this in a serious manner. I have XXXX XXXX and additionally signed up for credit monitoring services with the credit bureaus and have reached out to XXXX as well. I have added a security freeze to my credit file to prevent this from happening in the future. I ask this office to complete an investigation and remove this from my report and any fraudulent address, phone number, or any information that does not belong to me that the unknown person used to apply for the account. I reached out to this office only to be transferred to someone who is foreign repeating everything twice or talking about something else other than my name being used. I have even been placed on hold only to be bounced around from person to person and the phone being hung up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-12-05
Chicago, IL
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Complaint: I applied for a new Citi checking account to receive a bonus valued at {$500.00} after receiving an advertisement. Upon completing the requirements, Citi instead closed my account in error and refused to rectify the situation.
I hold a Citi ThankYou credit card and received an offer from Citibank for XXXX bonus ThankYou points ( value : {$500.00} when redeemed for travel ) if I opened a new checking account, transferred at least {$15000.00} into the account, made 1 bill payment from the account in each of 2 consecutive months within 60 days of opening the account, and maintained a minimum balance. On XX/XX/XXXX, I applied for, and opened a new Citi checking account. I fulfilled all of the requirements ( proof of address, proof of ID, W-9 form, and signature card ) submitted by XX/XX/XXXX, linking my ThankYou rewards account to the new checking account and receiving an email confirming my enrollment ( see attached ). Mindful of the requirements to fulfill the bonus offer, from the new checking account I made 2 bill payments in XXXX and scheduled another payment on XX/XX/XXXX.
However, I attempted to log into my account on XX/XX/XXXX only to discover that it was blocked. Upon calling Citi customer service, I spoke with a supervisor who told me that my account was locked because they had not received a photo ID and proof of address. I had sent this information to Citi via XXXX on XX/XX/XXXX. ( Attached I am including the email I received from Citi on XX/XX/XXXX confirming Citi 's receipt of these documents, as well as the submission I made with XXXX. ) Citi had in fact never notified me it was needed until I was unable to get the account up and running and made several contacts to customer service in XXXX to figure out why - finally someone told me that this information was missing, sent me a link to submit the photos/bills via XXXX and with another call later in XXXX or early XXXX ( I forget exact date ) confirmed that it was received and released my account to make bill payments. Indeed, the supervisor on XX/XX/XXXX told me that he saw that they did in fact receive this information and he would unlock my account and send me a new debit card in 5-7 business days. He even confirmed that the bill payment I had set up on XX/XX/XXXX had gone through ( being the second consecutive month of bill payment and also the 60th day after the account opening, this was needed to fulfill a requirement for the bonus offer. ) All was well, I thought, until today ( XX/XX/XXXX ) when I received an email from Citi to check my secure messages. Upon logging into my account I discovered that the checking account was closed and the balance of nearly {$15000.00} was now XXXX. I called customer service and spoke to a supervisor, who told me that my ID/proof of address was never received and my account was closed and the funds sent to me in a check via postal mail ( not yet received ). She further told me that there were no notes on my account from anyone else I had spoken to, and that I must have been given incorrect information by the supervisor the previous day. When I asked how we could rectify the situation, she told me that there was nothing they could do to honor the XXXX point ( {$500.00} ) reward offer because my account was already closed. To add insult to injury, she told me that I was disqualified from applying for a new rewards offer for 180 days. I emphasized that I followed everything and this was clearly an error on Citi 's part, but she repeated that there was nothing she could do about it. Of course, conveniently for Citi that means that they will not give me the XXXX points ( {$500.00} ).
I did receive an email from Citi on XX/XX/XXXX telling me that the documents were missing and that I needed to submit them " by XX/XX/XXXX '' ( Attached below. ) Given that the deadline was nearly a month in the past, that I already had confirmation that the documents were received, and that I had spoken to customer service agents telling me the same, I believed this email to be nothing more than a glitch and I ignored it. Furthermore, the fact that the checking account was fully up and running and was able to link to my ThankYou points account, I had no reason to believe that Citi was actually missing anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-12-05
Largo, FL
Fees or interest
Credit card or prepaid card: Store credit card
Problem with fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-12-05
Evansville, IN
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-12-04
SC
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: I sent a security deposit to Citi to obtain a secured credit card, because I want to purchase a home next year and desperately needed to fix my credit. I sent {$200.00} and received my card. I was using it regularly, paid my first bill early and even paid roughly twice the minimum payment due. Well sometime before the second bill became due, I had a falling out with my roommate and had to move. During the move, I lost my wallet. I called Citi to explain my situation ( and got routed to the RUDEST, NASTIEST CSR I have ever had the misfortune of speaking to, mind you ) and explained that during the move, I had lost my wallet, I think one of the people who helped me move my stuff took it, because there was a charge I didn't recognize on the card. But I really wasn't sure and really didn't know them anyway. But I said I needed another card and also due to me having to move to the other end of town, I also had to change jobs, it would be a few weeks before I got a paycheck and so my next payment would be late. Again she was very rude, but ultimately told me that would be fine. Well a couple of weeks went by, and I received my new card and when I got my second paycheck ( my first was only for two days ) I go to log in to make my payment, and it said my username and password were invalid. I tried resetting my password. It said my email address didn't match any records! I called customer support to find out what was going on and was told it was a website issue. Called technical department and was told it was an account issue. So obviously I think my account had been closed!! No explanation, not a letter, not a call, nothing! Now keep in mind that the whole reason I got a secured card was to try to raise my credit score to buy a home, so this was a big deal, I assure you I reached out to them to let them know what was going on. Yet they closed it anyway, with ZERO notice or warning, and now, my score is even DOWN 20 points! And because of that, I was recently TURNED DOWN for a SECURED card with a different card issuer!!! Like, seriously??? Not only was it ONLY my FIRST time missing a payment, but A ) It was only my second payment due, B ) I I had paid my first payment early AND double what was due, and C ) I had CALLED AND EXPLAINED why I missed my payment and was told it was OKAY! I'm very sorry for the caps but I am LIVID! So now because I chose Citi instead of the 100 other secured cards I COULD have got, instead of improving my credit score like it was supposed to, it has actually made it WORSE, AND it is preventing me from getting a card with other institutions so I probably won't be able to buy a home at all!
But now here 's the real kicker. I just found out from them when I called to discuss making an arrangement to get it off my credit file, that my account did not get closed until OVER A MONTH LATER!!! The site wouldn't let me log I because I had not activated the replacement card I had just got!!! BUT the letter that came with the card said LOG IN TO ACTIVATE!!!!!!!! Wow! Seriously??? This was a big deal, I tried for DAYS to make that payment!!! I CRIED because I knew how bad having that on my credit report would set me back!
These thieving, deceiptful frauds should not be allowed to have influence over anyone 's financial situation. To them it's no big deal, I was just another number/sucker but to ME, it is a HUGE deal because it put me in a HORRIBLE situation. I don't understand how it's even legal? Someone with a better score than me could drag a missed payment out for months, and STILL get all kinds of account credits and miles and rewards, but me, someone who LITERALLY paid them in advance, lol, MY account gets closed?? After ONE late payment?? AND even then it's because their website wouldn't LET me log in to pay, and their customer care reps played blame tag?!? No, that isn't right. Please help me. I wanted WHOLEHEARTEDLY to be a good customer and to build my credit, and I don't deserve this.
Oh, AND because I had signed up for online statements, and my LOGIN INFO DOESNT WORK, I can't even login to see my transactions, history, NOTHING! And now that I'm filing this complaint, I see exactly why they do that : because I can't SHOW anybody what they did to me! This is INSANE. I feel like I'm in the twilight zone.
Also, on an even deeper personal level, I was raised by my great grandmother ( rest her soul ) and she was a LOYAL Citi customer for as long as I can remember, until the day she died, and so for deeply personal sentimental reasons, I was SO happy to be a Citi customer, and I had such high hopes that they would still be ( one of ) my financial institutions well into retirement. Seriously. Like, this has hit me hard on so many levels. Anyway. That's all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-12-04
Plymouth, FL
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Can't close your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-12-04
Pittsburg, TX
Attempts to collect debt not owed
Debt collection: Auto 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
2019-12-04
Fort Lauderdale, FL
Trouble during payment process
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
2019-12-04
Moapa, NV
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: General-purpose credit card or charge card
Their investigation did not fix an error on your report
Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-12-04
South Florida, FL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-12-04
CT
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: This is a complaint about the Home Depot credit card issued by Citi. I opened the card because of the promotion to get {$25.00} during the first purchase. I was not able to use it during the first purchase because.I have not received the card. When I used it after the second purchase, there was no {$25.00} credit. I called right away, and as in many instances afterward, was promised that the credit will be within the next one or two billing cycles. The time frame for this is XX/XX/XXXX-XX/XX/2019. I had at least ten interactions with Citi and one with Home Depot. Some of the interaction was in writing. I paid everything above {$25.00} and every monthly statement all the fees were reversed with a promise that {$25.00} will appear soon. Suddenly come XXXX, the representatives starting to say that I was not eligible for {$25.00} because my purchase was made more than a month after opening the card. I did not know about this restriction, and if the representatives were to tell me that right away, I would just return the merchandise. When I requested in writing copies of notes from my account, I was denied. So my complaint is that I was repeatedly promised credit for 3 months and later was denied of it ; and that Citi refused to share account notes despite a written request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-12-04
E Windsor, NJ
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-12-04
West Newfield, ME
Problem when making payments
Credit card or prepaid card: Store credit card
Problem during payment process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-12-03
Bloomfield, NJ
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-12-03
San Francisco, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-12-03
Jersey City, NJ
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: To get around the provision of the CARD Act of 2009 that allocates payments to higher interest charges, Citibank is charging the same interest fee for cash advances and new purchases.
This allows them to avoid allocating my payment to the cash advance, and instead they allocate to new charges that are not yet due. This results in an outstanding cash advance, which they then charge interest on monthly until my account balance - of all charges from past months and the current month not yet due - are paid in full. I think this is in violation of the spirit of the act, but ok, maybe that's just how banks and credit card companies get around the law to make money.
But it should be illegal because they are charging me interest after I paid the balance due in full each month. ( This is because they allocated the cash advance amount to new charges that have been made since the account closed the prior month. ) I have loved my Citibank card and its effective customer service and fraud protection but not anymore.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-12-03
FL
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: Good afternoon, I am writing to your agency again in regards to a previous case # XX/XX/XXXX-XX/XX/XXXX. Brandsource advised on a letter mailed to me and your agency, that they would update my credit report for all three credit bureaus to include a statement " disputed by consumer ''. They failed to do so. I have recently disputed this account with all three major credit bureaus since this statement is missing from my credit file. Furthermore, to add insult to injury, Brandsource failed to report accurate payment information. On my XXXX credit report, they reported my payment history inaccurately. I always paid more than the minimum payment. On two reports, they reported XXXX as the amount paid and only the minimum payments of {$27.00}, {$28.00} for each month. All of these inaccuracies is affecting my credit score. On my XXXX credit report, they stated that I had a high balance of {$1400.00} from XX/XX/XXXX to XX/XX/XXXX which is not correct. The high balance of {$1400.00} was only for the month of XX/XX/XXXX. On XX/XX/XXXX, my balance had reduced to XXXX. I paid off my account entirely by XX/XX/XXXX. As I stated previously, I always paid more than the minimum. Not only did Brandsource lie and state they closed my account at their own request but they have not reported my payment history for XXXX and XXXX reports as required. I will be submitting copies of my current credit reports to support this new complaint along with supporting documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-12-03
Alsip, IL
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-12-03
East Rockaway, NY
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation