Citibank

On XX/XX/year>, I visited a Citibank branch. Based on the explicit recommendation and eligibility confirmation from the bank representative, I opened a new checking account under a promotional offer that promised a {$420.00} cash bonus. The requirements stated were to deposit at least {$6000.00} in new-to-bank funds and maintain that balance for 90 days. My Actions : Initial Deposit : I successfully deposited over {$7000.00} into the account on XX/XX/year>, which was within the required funding window. Maintenance : I maintained a balance exceeding {$6000.00} for more than 90 consecutive days, fulfilling all financial requirements of the offer. Eligibility Check : Prior to opening the account, When I followed up, the bank representative claimed I was ineligible because I had an account within the past year, After waiting for more than three months, I followed up regarding the bonus. Citibank informed me that I was " ineligible '' and refused to pay the {$420.00}.…

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b'4/13. Got a call asking me to verify or deny a charge that came from Mexico for XXXX XXXX. He said he would reverse it. Foolishly I gave him access to my digital wallet, then as the authorizing numbers came through must have been when the charges were made. A total of 3 CC accounts were fraudulently charged and my checking account. 4 charges in each one stating they were from XXXX XXXX I notified each bank within 24 hours. I wasnt able to print out 4/13 transactions but have them listed in my handwriting. Banks involved- XXXX XXXX, checking, CC banks, Citi, XXXX XXXX and XXXX. Disputes with each company again, were reported by phone within 48 hours. All but one has reversed the charges pending investigation. I have reported it to XXXX County number XXXX and the State of NC XXXX and the FTC XXXXXXXXand now reporting to you.…

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I am filing this complaint regarding the handling of a billing dispute by XXXX XXXX XXXX XXXXCitibank involving an XXXX transaction in the amount of {$970.00} for an Apple XXXX XXXX XXXX XXXX purchased on XX/XX/XXXXXXXX from seller XXXX / XXXX XXXXXXXX ( order number XXXX ). The item was described as a BRAND NEW XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ONLY XXXX. After receiving and activating the phone, I later discovered through XXXX that the device remained carrier locked and associated with an account that still had money owed on it. XXXX Executive Relations later confirmed to me in writing that the device was currently locked and that XXXX could not unlock devices purchased through third parties. XXXX Executive Relations specifically advised me that the item could be considered not as described and recommended pursuing a dispute with the credit card company. Immediately after discovering the issue, I contacted the seller directly through XXXX messages.…

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On XX/XX/year>, I purchased a XXXX sectional sofa from a third-party seller ( XXXX ) on XXXX for {$1200.00}, charged to my Citi XXXX card. The sofa was advertised with an XXXX seat height and XXXX overall height. These specifications were safety-critical my household includes elderly and XXXX individuals who require a minimum seat height to sit and rise safely without risk of falling. The sofa arrived XXXX After XXXX full days of expansion exceeding the seller 's stated XXXX period the sofa reached only approximately XXXX XXXX in seat height and XXXX XXXX in overall height. I have photographic evidence showing a tape measure against the sofa confirming this measurement. The shortfall of nearly XXXX XXXX exceeds the seller 's own stated measurement tolerance of plus or minus XXXX XXXX by more than double. On XX/XX/year>, I purchased a XXXXXXXX XXXX XXXX from a third-party seller ( XXXX ) on XXXX for {$1200.00}, charged to my Citi Visa card.…

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Complaint Against Citibank Fraud Claim Mishandling & Billing on Fraudulent Transaction I am filing this complaint regarding Citibanks handling of a fraudulent balance transfer transaction and the subsequent mismanagement of my fraud claim. On XX/XX/year>, I used a Citibank promotional balance transfer check in the amount of {$2400.00}, intended to pay my XXXX account. I later confirmed with Citibank that the check was processed on XX/XX/year>. However, the payment never reached my XXXX account. After multiple calls and extensive effort, I requested and received a copy of the check on XX/XX/year>. The check was fraudulently made payable to an unauthorized individual ( XXXX XXXX ) and deposited into a XXXX XXXX XXXXXXXX account. This was not authorized by me under any circumstance.…

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You'll need a scrubbed version since they prohibit personal identifiers in the narrative. Here 's a clean paste, with name and account numbers stripped : On XX/XX/year>, Citibank returned a {$1700.00} ACH debit from my Citibank XXXX XXXX account that had presented against sufficient funds, while honoring a separate, larger ACH debit that posted hours later and actually overdrew the account. Citibank labeled the return as an insufficient funds event. It was not. It was a discretionary selection by Citibank to return the smaller, covered item rather than the larger, overdrawing one. The return is the type of high to low transaction handling that has been the subject of substantial consumer protection litigation and regulatory action against other large institutions.…

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On XX/XX/XXXX, I purchased a painting from XXXX for {$440.00}. The item was advertised explicitly as a " 100 % hand-painted ONE-OF-A-KIND ORIGINAL painting - not a print, or recreation artwork. '' What I received was a printed reproduction with surface paint applied - a product the art market classifies as a hand-embellished print, not an original painting. The merchant 's own follow-up emails confirmed the item was printed first and then painted over, directly contradicting the listing. Furthermore, shipping records reveal the item was shipped from XXXX, XXXX - inconsistent with the representation of a hand-crafted original painting and indicative of mass production. Upon receiving the item, I contacted the merchant on XX/XX/XXXX requesting cancellation and a full refund. The merchant did not respond substantively. Having received no resolution from the merchant, I filed a dispute with Citibank on XX/XX/XXXX.…

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I am the successor trustee for an account with Citibank. Despite my best attempts I have tried to have the account transferred under my guardian ship for my sister. The primary account guardian is deceased. I have completed all the paperwork for this to happen yet Citibank refuses to comply with the transfer. I have called and emailed for many attempts

I made a large check deposit on Saturday XX/XX/year> it was placed on a hold till XX/XX/year> no problem. Then on Monday XX/XX/XXXX i tried putting gas at XXXX XXXX and it was denied. I can Citibank and was told my account was on a 48 hour hold i would not have access to online, debit card etc. I go into the XXXX branch and XXXX the Teller told me there is nothing she can do just to follow up on Thursday XX/XX/XXXX. I had a direct deposit into my checking account of {$900.00} was not able to even access that money. It put me in a major hardship seeing I'm on unemployment and i need that money to pay bills, food, gas. Felt like no one at Citi was hearing me and treated me like a criminal. I waited the 48 hours called back because the hold was still on the account. Now I'm told by XXXX in the fraud department that the account is being closed and i have to wait 30 to 60 to get a check in the mail of all fund in the account. Why the complaint?…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Restricted Access to Citibank Account and Resulting Financial Hardship To Whom It May Concern, I am submitting this complaint regarding Citibank and the restriction placed on my bank account without adequate explanation or timely resolution. On or about XX/XX/year>, Citibank restricted access to my account and informed me that the account was under review for approximately 2448 hours. As a result, I have been unable to fully access my funds and banking services. I have contacted the bank and attempted to cooperate fully with all requested verification procedures. I have offered to verify my identity, explain recent transactions, and provide supporting documentation as needed. However, I have not received clear information regarding : the specific reason for the restriction, the status of the review, the exact steps required to restore access, or the expected timeline for resolution.…

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XXXX XXXX email to Citi : This letter does not address the issue I raised. The document you provided ( Card reissue not approved, dated XX/XX/year> ) is an adverseaction notice for the denial of a replacement card. It is not an adverseaction notice for the nonrenewal of the credit account itself. Regulation B ( 12 C.F.R. 1002.9 ) requires a separate, timely adverseaction notice when a creditor declines to renew an existing credit arrangement. My account was closed at expiration, which constitutes a nonrenewal, yet no adverseaction notice was issued for that action. Please provide the adverseaction notice specifically covering the nonrenewal decision, including its generation date, mailing date, and full content. If you can not produce evidence of a timely, compliant notice for the nonrenewal, I will escalate this matter to the Consumer Financial Protection Bureau. XXXX XXXX XXXX

My XXXX-issued XXXX XXXX credit card was scheduled to transfer to Citibank on XX/XX/year>. Since the transfer date, Citibank states it has no record of my account or Social Security number, while XXXX states the transition may take up to two months. I currently do not have access to a functioning credit card account despite being an existing customer in good standing. Repeated attempts to resolve this through customer service have failed. I am requesting immediate investigation, restoration of account access, and confirmation of the status of my transferred account.

Subject : Systematic Denial of Account Closure via Circular Verification Loops Description of Issue : I am reporting a broken administrative process at Citibank that is effectively holding my consumer credit account hostage. The Circular Loop : Since issuance in XX/XX/year>, my account has been in a " security check '' status. Citibank refuses to allow account access without a mailed code. I have requested this code multiple times and never received it. I can not use and have not been able to make a single transaction on this account. The Refusal to Close : When I contact Citibank to close the account, they state they can not process a closure without first " verifying '' the accountwhich requires the code I can not receive. In addition, the annual fee was charged to my account, and was not waived even after filing a separate CFPB complaint.…

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A Best Buy credit card account was opened in my name without my knowledge or authorization. This account was opened in a physical store location that I was not present at. This was opened in store XXXX on XX/XX/year>. I contacted Citibank fraud support and was informed that the Social Security Number and date of birth associated with the account do not match mine. Despite this, my fraud claim was denied and the account was not properly resolved. I have filed an Identity Theft Report with IdentityTheft.gov and submitted supporting documentation, including my credit report, which does not show this account. I am requesting that this case be reopened and investigated as identity theft, as the identifying information used does not belong to me and I did not authorize this account.

On XXXX XXXX, I tried using my CITI CARD at XXXX XXXX, it was denied. I went to my vehicle and called them. spoke to 2 different people, the last one was XXXX. I was told that it showed I had made a payment of {$2500.00} but they could not verify that they had received it. I got on my bank account, at their request, and told them it went out on XX/XX/year>. I was told I would have to wait until XX/XX/year> to have it applied or give them access to my banking account to verify. I would think that this would be illegal and I refused. How can they have my money for 2 weeks and not give me credit for it or access to my credit card?

I placed an order for over {$500.00} in merchandise from Best Buy. They sent out part of the order via their horrible service XXXX, which is not a real package delivery service. I was home at the time of delivery, but the driver said delivery could not be made. She told my {$500.00} package and for XXXX days has neither returned it to Best Buy nor has Best Buy cancelled the order as I requested multiple times. Im tired of playing this game, I just want a refund so I can take my money to XXXX who is actually competent in dealing with these matters

Complaint Against Citibank N.A. Missing XXXX XXXX International Wire Transfer Dear CFPB XXXX, I am filing a complaint against Citibank XXXX. regarding a missing international wire transfer of USD XXXX. I understand that I am not a direct Citibank customer. However, Citibank N.A. appears to be the beneficiary bank and/or intermediary bank in the XXXX payment chain for this transfer. The funds were sent from XXXX on XXXX XX/XX/year> to XXXX XXXX XXXX using the beneficiary bank details provided for my XXXX deposit. Key payment details : Sender : XXXX XXXX Sending Bank : XXXX Sending Account : XXXX Amount : XXXX XXXX Transfer Date : XXXX XX/XX/year> Beneficiary : XXXX XXXX XXXX Beneficiary Account / XXXX : XXXX Beneficiary Bank : Citibank XXXX.…

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I missed my credit card payment by 5 days and was charged a {$30.00} late fee and {$19.00} in interest. Not that it is a valid excuse, but I was having some health issues this month that required my attention, which caused me to miss my payment inadvertently. I contacted Citi via chat to request that these fees be removed, but they were not able to remove them for me.

I have a long-established joint checking/money market account with my mother who is XXXX XXXX XXXX. The account has maintained a balance of around {$20000.00} forever and small checks are written from it each month for my mothers living expenses. She does not do online banking ; she gets paper statements in the mail and pays her bills with handwritten checks. She deposits all checks in person through the ATM. Between XX/XX/year> and XX/XX/year> ( date of discovery ) -my mother was locked out of her computer by a scammer claiming to be a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I was able to get into the computer the evening of XX/XX/XXXX. We found this individual got into her computer through an email attachment, utilized her IP and moved approximately {$320000.00} out of XXXX XXXX and into her Citibank Checking account... mixed it with funds from the money market account and immediately wired it out to numerous individuals in amounts ranging from {$10000.00} - {$49000.00}.…

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I tried to purchase airline tickets on XX/XX/XXXX. I never received the airline tickets. It appears the company was fake as I was deceived by the merchant. I immediately disputed the charge due to not receiving services that I paid for and received a temporary credit from Citibank on XX/XX/XXXX which Citibank later reversed. The investigation was a long drawn out process in which I emailed all forms requested from Citibank in regards to the dispute on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX as well as spent several hours on the phone with representatives from Citibank trying to get reimbursed for the purchase in which the product was never received by me the consumer. It appears this transaction was the result of a scam in which I was mislead to authorize a payment. I am requesting the charge be removed from my balance and all related fees and interest charged as well.

The account at issue was closed by Citibank on XX/XX/year>, and approximately {$190000.00} in funds has been held by Citibanks Fraud / Risk Operations Department continuously since that closure a period of approximately 90 days as of the date of this complaint. The account had been in good standing prior to the hold, and the funds at issue derive from ordinary business deposits. On XX/XX/year> 82 days after the closure I contacted Citibank by telephone to request resolution. During that call, a Citibank representative confirmed that the matter was eligible for re-review and committed to a response within 24 to 48 hours. That commitment necessarily implies that the funds remain on deposit with Citibank and have not been returned to any originator, escheated, or otherwise disbursed. That 24-to-48-hour window expired on XX/XX/year>.…

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Issue : Incorrect billing and persistent refusal to credit account for a merchant-accepted chargeback. I have spoke to Citibank 11 times and a supervisor in the dispute center 8 times and assured this situation would be resolved in 7 to 10 business days starting XX/XX/year> to XX/XX/year>. Account Number : [ Ending in XXXX ] Case ID : XXXX Disputed Amount : {$160.00} What Happened : I am filing this complaint because Citibank is in possession of {$160.00} surrendered by XXXX XXXX but refuses to apply it to my balance. Despite multiple pieces of evidence showing the merchant accepted the reversal, Citibank continues to claim the dispute was " cancelled '' and that I must seek funds from the merchantfunds the merchant has already legally relinquished to Citibank. Evidence Timeline & Document Reference : XXXX. XX/XX/year> ( Ref : XXXX XXXX XXXX ) : XXXX XXXX issued formal confirmation ( Case # XXXX ) stating they " accepted the chargeback.…

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Following multiple fraud incidents, our office initiated a comprehensive internal review of vendor communications and payment procedures, with particular focus on requests to modify payment methods ( e.g., transitions from check or e-check to ACH ). During this review, we identified that on XX/XX/year>, an email was received from a vendor, XXXX XXXX XXXX, requesting a change in their method of payment from e-checks to ACH. At the time, the request appeared legitimate and was processed in accordance with standard internal procedures. Subsequently, a payment in the amount of {$78000.00} was issued in XX/XX/year> based on the updated ACH information. This transaction was later determined to be fraudulent on XX/XX/year>. In a separate instance, we received a similar request from another vendor, XXXX XXXX XXXX, to switch their payment method to ACH.…

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Beginning on XX/XX/year> XXXX XXXX XXXX XXXX debits were made from our checking account. The withdrawals were all made to pay a XXXX account in XXXX, XXXX. They were in descending amounts from XXXX XXXX XXXX {$90.00} $ all the way down to XXXX XXXX We reported this as fraudulent activity to Citibank immediately, and a claim was made. Citibank did not cancel both of our cards ( my husband and I are both on the account ) so additional charges were made. Citi issued us provisional credits. The total amount stolen is over XXXX, XXXX XXXX I spent several hours trying to speak to someone to rectify the situation quickly, and even went in person to my local branch twice. Shortly after the provisional credits were issued, we received over 100 individual paper notices in the mailing, letting us know that our claim was denied and the monies would be reversed from our accounts as of XX/XX/year>.…

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I am disputing a charge where I followed the merchant 's return policy and have proof of delivery/compliance. Citibank denied the dispute stating I didn't follow policy, but they have failed to cite the specific policy or provide the evidence the merchant used to rebut my claim. I am requesting a manual review of my proof and a copy of the merchant 's rebuttal documentation as required by the Fair Credit Billing Act. Transaction Amount : {$350.00}. Merchant : XXXX XXXX Leadership Retreat / XXXX XXXX XXXX ( via the XXXX XXXX XXXX ). Initial Action : I formally requested a cancellation and refund on XX/XX/year>, citing unresolved safety and privacy concerns related to a XXXX. Merchant Confirmation : On XX/XX/year>, the merchants representative ( XXXX XXXX ) explicitly confirmed via email that the refund would be processed through their " churchwide office ''.…

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Unlawful Denial of Access to Funds and Grossly Deficient Verification Protocols I am a long-standing Citibank customer XXXX over XXXX years ( AAdvantage Cardholder ) with an excellent credit history. I am currently facing extreme financial hardship because Citibank has frozen my newly opened checking account and frequently my long-term credit card while I am residing in XXXX, XXXX. XXXX. Failure of Security Protocol : After speaking with a representative, XXXX, on XX/XX/year>, I spoke with an account XXXX, XXXX, in the XXXX Department. Despite providing my Social Security Number and XXXX Driver 's License details, I was denied access to my funds based on " Knowledge-Based Authentication '' questions regarding an ex-daughter-in-law, who I know, but has not been in my life for over XXXX years. Relying on outdated, XXXX third-party data to override primary government identification is a gross failure of banking security standards.…

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I have made consistent payments for over two years towards my Home Depot credit card account. However, I have recently discovered due to being served and being sued that my payments were not properly credited to my account, resulting in inaccurate balances and potential negative reporting on my credit. I have documented proof of payment including bank statements and transaction conformation, clearly showing that payments were made in good faith and on time. Payments started in XX/XX/XXXX ( payments was between {$58.00}, {$56.00}, {$48.00}, it was not a set amount ) until XXXX of XXXX in the amount of {$43.00}. The payments automatically came out of my checking account between the XXXX to the XXXX of every month the date was always random. My issue is that my payments was not applied to my account resulting to the damage of my credit score, inaccurate report on my credit profile, harassment, and being sued which clearly is not my fault.…

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I am filing a complaint regarding improper finance charges and inaccurate payoff information associated with my Home Depot consumer credit account. The account included several deferred-interest promotional balances with expiration dates extending into XXXX. My understanding and payment history indicate that smaller revolving/non-promotional charges were consistently paid off through regular monthly payments, leaving only the deferred promotional balances remaining on the account. On or about XX/XX/XXXX, I contacted customer service specifically to request the amount necessary to pay off any remaining revolving/non-promotional balance in order to avoid further finance charges. I was advised that the amount due was {$8.00}, which is reflected in part on my most recent statement. I relied on the information provided by the representative and made the payment accordingly.…

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I am writing to make a sincere complaint about a deposit that was made to my husband and Is joint checking account with Citibank on XX/XX/year>. We deposited our IRS refund check in the amount of {$11000.00}. We deposited this at the after hours teller and saw the transaction reflected in our online account immediately. However, after over a week of the check not clearing, we became concerned. My husband called Citibank customer service and was told to wait a few more business days. A few more business days later when it still did not clear, my husband went in person to the branch. The branch XXXX found that the check had not been properly endorsed in that it turns out that both my husband and I needed to endorse it since it was in both our names and only XXXX of us had endorsed it. We were told that the check was being mailed back to us and all we needed to do was bring it back to the bank properly endorsed. We were told this could take up to XXXX business days.…

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i tried to call the company about a fruadant call. could not get through phone system/. went to social media. i told them i got a call saying they were city bank credit card. non XXXX number could bot identify them. didn ; t give any info. got a couple of calls could not verify them. this is the response on social medis. Regrettably, we can not guarantee the number that will display but we will call as close to XXXX as possible. XXXX That will work, XXXX XXXX XXXX of our specialists will reach out to you tomorrow morning between XXXX XXXX. Please be aware that your caller ID may not display that Citibank is calling. Have a great evening. XXXX XXXX how can i protect if i can ; t verify the caller?

XXXXTo Whom It May Concern,XXXXI am submitting a formal complaint regarding unauthorized transactions and the handling of my fraud claim by Citibank concerning my business accountXXXXAt the beginning of XXXX, upon reviewing my business bank account, I discovered four transactions that I did not authorize. The charges were in the amounts of:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAll four transactions appeared to be related to travel expenses, including flights and hotels, which I did not purchase.XXXXI immediately contacted Citibank to report the fraud. During that call, I requested that my business debit card be canceled and that the unauthorized charges be refunded. I was informed by a Citibank representative that the matter would be investigated and that I would receive refunds within a few days.\nAfter several days, I received refunds for three of the four transactions. However, the charge of $XXXX was not refunded.…

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I opened an account at XXXX XXXX and deposited a check of XXXX it was closed unfortunately for no apparent reason and a check was sent with my balance.I took the check and opened an account at citi and deposited the check on the XXXX of XX/XX/year>. Since then immediately a day after I was locked out of the account with citi I am going back and forth between the two banks to see what is going on.XXXX said they have nothing to do with this and Citi is telling me to Contact XXXX XXXX because they cant validate. I know there is a way to validate checks without them calling any bank.Can I get help?

ON XX/XX/year> XXXX AND XXXX XXXX SOLD THE CREDIT CARDS TO CITI BANK. XXXX WILL NOT ANSWER AND CITI HAS NO CLUE,, THEY SAY I NEED A CREDIT CARD TO GO ON LINE BUT THEY HAVE NOT SENT IT. MY XXXX ON LINE IS CLOSED. HOW WILL I VIEW MY PURCHASES ON LINE OR PAY THE CREDIT CARD. PLUS THE NUMBER YOU CALL ASK FOR THE CREDIT CARD INFO AND I DO NOT HAVE IT. FINALLY SOMEONE ANSWER BUT THEY COULD NOT DO ANYTHING. I TOLD THEM I WAS CALLING YOU!

On XX/XX/year>. I called CITI Bank asking why my card had an alert on it. I proceeded to provide all of the valid information tied to my account, but they then began to ask for another phone number. There isn't another phone number on the account. Why would there be? I then provided my alternate CITI card number, the full card number, and was still not verified. He then asked me for my current work address and if they could speak to a receptionist at my work, at which point I felt like I was being scammed. It should be illegal to promote balance transfer cards and then prohibit consumers from obtaining financial relief.

Product : Checking or Savings Account Issue : Problem with a deposit Sub-issue : Funds not credited / Check mishandled Complaint description : This is a follow-up complaint regarding a misapplied check deposit in the amount of {$1000.00} USD. Citi has formally responded ( XXXX XXXX XXXX ) stating that no claim exists and directing the originating bank to submit a recall request with a Uniform Indemnity Agreement. This response is unacceptable and does not resolve the issue. The situation is clear : The check was payable to me but deposited into the wrong account at Citi Citi closed that account and classified the matter as fraud The funds have not been returned to the issuing bank I have not received the money Citi continues to claim the check was already deposited, effectively blocking any correction Citi is attempting to shift responsibility to the originating bank for an error that occurred entirely within its own systems.…

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