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 3

2019-12-03

Tualatin, OR

Advertising and marketing, including promotional offers

Credit card or prepaid card: Store credit card

Didn't receive advertised or promotional terms
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-12-03

RI

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: I have gotten a new credit card from CitiCards after it merged with MasterCard. A few weeks later, on XX/XX/XXXX I received a text message about a fraud alert on my account. I have called and found out that there were fraud charges made in my account since XX/XX/XXXX. I confirmed that these were in fact fraud and was given a new credit card number. Upon receiving my credit card and checking my balance online, I found that charges on my old card continued until XX/XX/XXXX even though I called on the XXXX. The total amount of fraud charges from XX/XX/XXXX through XXXX was {$2900.00}. After my call, I was only credited {$1400.00} and remaining balance of {$1500.00} was left under investigation. Its been 2 months and now investigation is closed and Im being told that I have to pay this amount because citi somehow identified that Ive made those charges. I dont have any receipts or any paperwork to prove that I didnt make these fraud purchases and I didnt make them either. I rarely spend this much money on a monthly basis. Please help me to resolve this issue. I would appreciate anybodys feedback and Im very disappointed with citicards services especially because Ive been a card member for many years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-12-03

Capitol Heights, MD

Managing an account

Checking or savings account: Savings 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

Timely Response

2019-12-02

Philatelic Center, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: Macy 's Department Store Credit Card was opened under my personal information without my knowledge. The information that is reporting on my credit report is inaccurate, and demand that it be deleted. Please advise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-02

FL

Problem when making payments

Payday loan, title loan, or personal loan: Installment loan


Complaint: I have had an account with Citi bank since XX/XX/2019 and every single time I have called to make a payment there has been a problem. Ive had them charge my card twice for one payment and had to jump through hoops to get one returned. Then because they returned my payment they put a hold on my bank account. So when I went to make a payment the next month they werent able to use my account on hand as they have always done. When I finally got that sorted out and found a card I could use their system went down. We called back several times and their system continued to be down. We told them it would be a week or so before we could call again because I was in XXXX XXXX. They told us this was fine and their wouldnt be any fees and to call when we could since this was their systems problem. Not only did they call constantly while I was in the hospital XXXX XXXX XXXX but now that they payment has been made and my fee was supposedly taken care of my payment minimum has went up because we paid late. Which was clearly told to us that it wouldnt be an issue since we had been trying to pay when it was due. Their automated phone system has kicked me off several times and never accepts my social but when I speak to a person its always accepted. It just seems like they do anything possible to have you pay late so they can charge you extra. Even when they waive a fee theres always some problem following it, like putting a hold on my account or making my payments go up. It just seems really shady to me. Ive never in my life had so much trouble with any company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-02

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-12-02

Baltimore, MD

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-02

Calumet City, IL

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

Timely Response

2019-12-02

Brooklyn, NY

Money was not available when promised

Money transfer, virtual currency, or money service: International money transfer


Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-02

Cherry Brook, MA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: Citibank Case No. XXXX On XX/XX/2019, XXXX XXXX at Washington DC-XXXX MD ( Merchant ), overcharged my stay for {$320.00}. The merchant realized the mistake and credited that amount to my credit card ( Citibank ). However, when I received my credit card statement, there was no credit of {$320.00} on the statement. I called the merchant and they confirmed to me that {$320.00} had been approved and released to my credit card. The merchant had sent me proved ( folio ) that the credit had been released. I spoke with and sent all the requested documents to the dispute department at Citibank between XX/XX/2019 and XX/XX/2019. During this period, each time when I called to follow up with Citibank, they denied the charges and kept pushing back. Even with all the proved and necessary documents showing XXXX XXXX XXXX had issued credit to my credit card, Citibank still denied to issue credit of {$320.00} to my account. I sincerely hope you can help resolve this issue expediently. Thank you for your corporation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-02

San Jacinto, CA

Incorrect information on your report

Credit card or prepaid card: General-purpose credit card or charge card

Account status incorrect
Complaint: CITI BANK CORP automatically initiated " paperless statements '' upon the online banking set up process. Apparently, you need to " uncheck '' a box to receive paper statements. CITI BANK sent the first statement ( new account ) via email, I was unaware until it was 30 days past due. Once realized I hadn't received a paper statement in the mail I called customer service in which they informed me it was past due. I immediately paid the account in full, requested they remove the automatic " paperless statements '' and asked to have fees removed. CITI BANK CORP understood situation and refunded late fees as well as any accrued interest charges. They would not however remove the 30 day late reported to the credit bureaus. CITI BANK CORP should take ownership of its deceptive business practices in blindsiding the consumer. Having to find an " uncheck '' a box is not how majority of credit card companies go about signing up for this feature. I understand credit card companies are always finding cost cutting measures but it shouldn't be at the expense of the consumers credit report. I've never been 30 days late on any account, receive well over 300+ emails per day so " paperless '' statements is never an option. I feel this is a gray area and not a true reflection of the reporting made to the 3 credit bureaus. Signed, XXXX XXXX. # FrustratedCITIBANKcustomer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-02

Hamburg, NY

Incorrect information on your report

Credit card or prepaid card: Store credit card

Account information incorrect
Complaint: I have been disputing this account listed with Citibank/Best Buy for well over a year. During this time Best Buy has been reporting a monthly charge off and a balance owed to them of {$450.00} when they have sold the account to a collection agency, XXXX XXXX XXXX. There should not be a balance on an account that has been sold to collection agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-02

Calumet City, IL

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

Timely Response

2019-12-02

Santa Ysabel, CA

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Add-on products and services
Complaint: I only have access to my Best Buy credit card statements from XXXX and XXXX, but I was charged a monthly debt protection fee for my purchases. I made a major purchase on this card for a TV around that time, and used my card to pay for it because of the 0 % financing plan they offered. To the best of my knowledge, I was given no option to select this debt protection fee - as I would, say, an extended warranty - at the time of purchase. I was only made aware of this due to a discrepancy between the outstanding total on the Best Buy credit card site and the You Need A Budget app I was trying to sync it with, which led to my being made aware of this to begin with. This fee shows up in my statement as " XXXX, '' and after a brief phone call with Best Buy this morning I was able to opt out. However, according to my statements, in XXXX I this fee totaled {$69.00}, and {$92.00} thus far in XXXX. The monthly amount varies but, after further research, I have read that this fee is approximately {$0.00} per {$100.00} credited - which lines up to with the cost of the attributed TV purchase.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-02

Three Bridges, NJ

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Best Buy / CitiBank failed to give notice that they had charged an inactive credit card and have charged me exorbitant late fees - Their records indicate that my name is associated with three different account numbers - An inactive card was charged - Company failed, after numerous calls, to locate debt - NOTE : that 2 offices of Best Buy credit services and Citibank NA Recovery department are involved 1. Purchased item at store for less than {$200.00} with credit card ( late XXXX XXXX ) 2. Received notice from XXXX XXXX ( XXXX ) that Best Buy card was more than 30 days late and that my credit score was down 3. Called Best Buy customer service at least 4 times ( XXXX ) and they verified credit card was up-to-date no late payments and sent me letter verifying that 4. Subsequently received letter from another Best Buy office that charge / late fees were valid 5. Called Best Buy customer service again. Gave them card number that was on second letter, which was different than card I use ending to make original purchase. Rep said this account was the same card, but then transferred me to manager 6. Manager claims store associate charged a card from 8 years ago 7. Never received a bill, email, or collection call for this charge. When my Best Buy bill is due, I get an email alert and pay with autopay on time every month 8. Cards were linked I received an email asking me to review all the current products I had purchased at Best Buy, including the most recent purchase, allegedly on another card. Best Buy could have reached me before charging late fees and contacting credit bureau 9. When I did finally get a bill in XXXX, with an altogether different account number, late fees had already been added totaling more than {$100.00} 10. When I tried to reach Best Buy again with this account number, they had moved the account to the Recovery department 11. Called Recovery department. Reps were totally uncooperative. I filed a dispute with them, which was never considered or even looked at 12. Received a bogus letter from Recovery department that said they needed more information. When I called back, Rep said that was an auto-generated letter and that they did not need more information just wanted to let me know they would not reverse any of the fees 13. I have received another bogus letter that my enrollment in an Enhanced Debt Protection program was canceled and that I should call them. I was never enrolled in such a program 14. I now owe more than {$600.00} for a purchase that was less than {$200.00} and my credit is ruined 15. Please help 16. I can supply documentation for any of the above claims
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-12-02

Canal Street, NY

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 explanation

Timely Response

2019-12-02

Morral, OH

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: A credit card is showing me as a secondary on the account although I DO NOT have a card, do not know the credit card number or the account number and have never used the card or even had access to a card associated with this account. The card was opened in XXXX by my then fiance. I assumed that when the account appeared on my credit report it was showing in error so when I filed bankruptcy on XXXX I included what card info appeared on my credit report for this account which basically amounted to the card name and address of the account. I recently used XXXX XXXX to check my credit and was surprised to see XXXX still reporting the card as mine so I called the credit card company on XX/XX/XXXX to ask how to go about removing the info from my credit report and I was told that I was a secondary on a joint account and that I could not remove myself. I was also told that adding it to my XXXX bankruptcy did absolutely nothing to rectify the situation because I was not the primary card holder on the account. The primary cardholder keeps his balance very close to his credit limit and in turn it shows on my credit as using a very high amount of the credit available to me which I dont think is fair to me seeing as I did not use the account to incur any of this debt that I am now being told I could be held responsible for with no way to remove myself. I'm being told that this is possibly a form of identity theft seeing as I was never consulted by my then fiance about opening this account jointly. And I am also being told that since I am only a secondary I may not have as many rights in working toward a resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-12-02

South Florida, FL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: On XX/XX/2019, several fraudulent charges were billed to my account. 2 were picked up by the credit card company. Payment was refused and the charges removed. 3 of the charges to the same company in XXXX XXXX remained on the account along with associated foreign transaction fees. I have talked to supervisors 3 times about removing the charges. In each case I was told they are still investigating the charges but refused to credit the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-02

Santa Monica, CA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Charged too much interest
Complaint: My XX/XX/2019 Citi Aadvantage Platinum Master Card statement had fees totaling {$3900.00}. I paid {$3500.00}. There was a balance of {$490.00}. On the XX/XX/2019 statement, I was charged {$100.00} interest on {$4600.00} ( D ) at 25.49 % ( V ). There is no justification for charging me {$100.00} on {$4600.00}, when the carryover was only {$490.00}. The XX/XX/2019 balance was {$2500.00}. That included {$490.00} carryover and {$1900.00} in new charges ( which weren't yet due ). The total amount due on XX/XX/2019 in terms of charges and carryover was {$2400.00}. The amount that I should have paid interest on was {$490.00}. {$1900.00} were charges that weren't yet due and should not have been charged interest. At no time during the billing cycle did the average daily balance exceed {$2400.00}. And yet, the bank charged interest on a balance of {$4600.00}. When I called to dispute the charge, I was transferred three times around the world to customer service agents who refused to allow me to speak with a supervisor or billing specialist. It took me one hour, 27 minutes and 31 seconds of speaking to three different customer service representatives, who refused to give me their last name or employee ID numbers and refused to involved a specialist or a supervisor, who repeatedly tried to tell me that the calculation was accurate. The statements made by the customer service representatives were false. They lied repeatedly and consistently. The proof of the error is in Citi 's own bank statements. This kind of usury and predatory behavior is surely not legal. I'm sure that this is standard treatment at this bank, and likely at all banks and credit card operators. I'm sure that your service has had massive complaints about this. Will you help to stop this behavior? Clearly, I want my account credited and the interest to be fair and accurate. But I also want to stop this predatory behavior.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-02

Sandy Hook, CT

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: Had received a " XXXX XXXX XXXX '' Credit card via mail. Called and said that I didn't apply for card. Was told that " they would mark as Fraudulent and investigate. Received letter stating " they '' had completed investigation and that I had knowledge of the debt. I called the number on the letter and " they '' wanted more personal info and I felt uncomfortable giving more personal info. The person on the phone said that they were with Citibank Fruad dept. I hung up and called Citibank and spent over 3 hours being transferred ( at one point to XXXX ) with no answer as to how this account got opened and if I could get copies of the application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-02

Calumet City, IL

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

Timely Response

2019-12-02

San Gabriel, CA

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: Citibank checking and savings account opened in XX/XX/2019 for {$500.00} bonus after 90 days but the {$500.00} bonus has not been delayed and not posted to my account. Please honor the promise to post the bonus to my checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-12-01

Philatelic Center, CA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: I was charged for two overdraft fees, over the course of a week, by Citibank. I understand the reasoning for the first overdraft fee, but the second was unfair, and their customer service department is not helpful. Their treatment of me as a customer lead to me closing my checking and savings accounts. My first overdraft fee charge was correct - I did have a negative fund and Citi " helped '' pay for my purchase. Ironically, that purchase was an autopayment for my citibank credit card. Then, XXXX tried to make a payment for {$2.00}. The payment was declined, but citi still charged me an overdraft fee for an attempted payment. I found this to be really unfair, and contacted the company multiple times. Their customer service would say they're transferring me somewhere, to only never be helped after waiting for 40+ minutes or hung up on ; literally hung up on ; or just plain unhelpful / non-empathetic employees. I did close my checking and savings, but they didn't care at all. For such a large company, they think they can get away with treating their customers poorly. I've been banking with them since I was XXXX and wanted to use them for mortgage, but they lost a customer for life. I'd never recommend my extended family to use Citi Even attempting to get copies of my record was difficult. The customer service team went above and beyond to ensure I had a bad experience. I could not obtain full copies, and they even went as far to purposely unlink my account before I could download the records myself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-12-01

IN

Trouble using your card

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company won't increase or decrease your credit limit
Complaint: I've been a Citi customer for years now and generally have liked the card benefits and customer service response until this week. I had a messy divorce in the past and have been rebuilding my credit for years by chipping away at balances. Despite this I have never once missed a payment to any credit agency in my entire credit history. Earlier in the year my credit limit on a Diamond Preferred card Double Cash card were increased by {$500.00} each. Naturally this was great news and I was happy with the diligent response of the company. Fast forward to now, both cards dramatically had their credit limit decreased, one to {$700.00} below what the account was opened at, the other roughly {$300.00} below. I was shocked, and thought for sure something fraudulent had happened. When contacting customer service in regards to it, I was informed one of my credit accounts was delinquent causing the drop in my available credit. I took the information as to which credit reporting agency they claimed generated the information to investigate myself. I pulled all 3 credit reporting agency reports to be on the safe side, and found the information they had given me to be completely false. The only derogatory information was from a collections from a medical debt that had already been disputed and removed but has sense reappeared with the original information. This is one I have been fighting for 4 years now and was paid by insurance and thus is going to be disputed yet again. When I contacted them again to inform them, I was greeted by a lackluster rep who only offered to do a general request to increase my limit which was denied. I was never given any other specific reasons behind this. This incident has had a significant impact on my credit as a result, and put me back progress I had made for no reason. Do yourself a favor and stay away from Citi. In the end I regret ever opening a card with this company, and if it wouldn't hurt my credit score even more to close the accounts I would.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-12-01

Brooklyn, NY

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Complaint: I was not receiving my statement via email, despite requesting, as a result I was not notified when my payment was due and paid my credit card balance 1 day late. Then I tried to have the fee reversed and the credit card company refused, I then was charged another fee. They will not stop charging me fees! I now have {$53.00} of fees on a 1 day late balance of {$2.00}. It continues to grow.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response


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