* * * FINANCIAL IDENTIFICATION FOR CITIBANK * * * - Bank Claim Tracking Number : RECORD VERBALLY DENIED VIA PHONE - Disputed Fraud Amount : {$360.00} * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * FINANCIAL IDENTIFICATION FOR CITIBANK * * * - Bank Claim Tracking Number : RECORD VERBALLY DENIED VIA PHONE * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * This complaint is filed regarding an unresolved billing dispute for unauthorized merchant charges resulting from an authenticated criminal account takeover ( ATO ) on XXXX that occurred on XX/XX/year>. A malicious third party breached the account registered under my personal email profile, immediately altered the security credentials, and locked me out of the system. The unauthorized user then utilized my stored payment cards to execute multiple checkout transactions, including unauthorized charges on my Citibank card.…
CFPB COMPLAINT DATABASE
Citibank
137,725 real consumer complaints filed against Citibank at the Consumer Financial Protection Bureau. 49,336 received relief from the company. 100% of responses were timely.
Most common issues
- 01Problem with a purchase shown on your statement16,872
- 02Incorrect information on your report11,426
- 03Managing an account11,225
- 04Improper use of your report6,671
- 05Other features, terms, or problems6,035
- 06Fees or interest5,544
- 07Loan modification,collection,foreclosure4,702
- 08Closing an account4,390
- 09Getting a credit card4,294
- 10Attempts to collect debt not owed4,087
Top states filing
How others won relief
These complainants filed at the CFPB and the company refunded or credited money in response. The CFPB doesn't force outcomes, but it does force a response in 15 days.
I had personal monthly loan payments, it was all set to auto payment through my bank. XXXX was my last month and it was supposed to end. But for some reason bank did not charge whole installment and left XXXX cents. Auto payment is set to collect whole amount .. I called the bank and they asked me to give my bank account information on the phone, which is not safe and also not necessary so bank information is already stored in the system, asked him why auto payment is failed and he said he cant help me. Now they are sending me emails about how i failed to pay my loan? my account looks unpaid which can affect my credit score.. I need the bank to do what is supposed to do, collect the loan payment through my online payment. I really dont understand the purpose of the bank, not collecting XXXX and label me as a person who failed to close her loan?
I looked at my XXXX XXXX XXXX account and saw that Citi Bank had deposited {$15000.00}. into my checking account on XX/XX/XXXX and called it a flex loan, which I had not applied for. I contacted CitiBank when I discovered the transaction on XX/XX/XXXX. I talked to XXXX at XXXX who said I should just pay off the loan and then I called back and talked to XXXX XXXX XXXX who said that they would reverse the loan. I have called back a week later and still nothing has been done to reverse the loan. I was told that it would be turned over to claims and investigation and they would get back to me within XXXX days.
I am filing a complaint against Citibank regarding a denied billing dispute ( Case Number : XXXX ) for {$4100.00} involving the merchant " XXXXXXXX XXXX XXXXXXXX. '' This merchant engaged in a predatory timeshare resale scheme, charging me a massive upfront fee under the verbal promise that they would market and sell my timeshare. Since taking my money, the merchant has completely ghosted me. They have failed to provide any proof of service, have not marketed the timeshare, and have completely ignored all of my attempts to communicate or get an update. Citibank issued a generic denial stating they could not find a billing error. However, this is a clear case of gross merchant misrepresentation and complete failure to render services. To prove the validity of my claim, a second credit card company investigated the exact same merchant for a separate portion of this transaction and ruled in my favor, issuing a full refund.…
I closed my Citi XXXX XXXX XXXX in XXXX. At that time I made two payments. One for approximately {$560.00} and another one for {$610.00}. This was paid to close the account and full and pay the remaining balance. It appeared that I had paid off the card twice, once on the phone and once online. Citi provided me a {$610.00} refund check. I cashed that check beginning of XXXX. I received an autopay email for {$300.00} due XXXX for the card. They are trying to charge me the {$610.00} that they previously refunded without an explanation or my approval to use autopay. They would not address or explain the issue when prompted. Please address ASAP. Next payment due date is XXXX ; autopay turned off.
Recent complaints
The 18 most recent complaints against Citibank where the consumer chose to publish their narrative.
While looking at my credit card statement, I noticed a fee that was being charged aside from interest. When I looked into the fee, it was a Debt Protection Fee. I called the debt protection company to explain I never agreed to this. I would have never chose this as I do not need it and have never agreed to extra fees or warranties on any of my purchases or products. It was explained to me that I would have agreed with I opened the credit card. Well that was in XXXX. I have been charged this fee for almost 20 years and was not aware. I take responsibility for not noticing prior. I have never used the card for much in the past so I did not notice, but recently I have been using the account to help alleviate debt due to balance transfer offers, so I have been looking closely at statements. All I requested was for it to be canceled and be reimbursed the {$280.00} I have been charged for it so far this year. They canceled the protection, but will not reimburse me anything.…
Citibank suspended all my online access then unsuspended then eventually closed all my accts. I paid off my XXXX Citi Credit Card because it had XXXX interest while I was XXXX XXXX. Im now reserve and Citi is XXXX %. Paid it off XXXX XXXX loan.
I have XXXX credit cards with Citibank with a total credit limit of {$64000.00} ( {$40000.00} plus {$26000.00} ). I want to close XXXX of the cards so that I have just XXXX card with a credit limit of {$50000.00}. THIS BENEFITS CITI AS ( XXXX ) THEY HAVE REDUCED CREDIT EXPOSURE and ( XXXX ) THIS WILL REDUCE THEIR RESERVES, ALLOWING THAT MONEY TO BE USED BENEFICIALLY ELSEWHERE. Citibank has requested ( see attached ) letter an onerous amount of information which will cost me in excess of {$10000.00} to produce. Nit only that, they are REQUIRED BY LAW to already know this information in order to provide me with my credit cards in the first place. My request is to REDUCE my credit exposure NOT increase it. My complaint is that Citi appears not to be complying with XXXX laws ( Know Your Customer ) because it MUST know this information already to comply with the laws.…
I am completely locked out of my credit card account due to an unbreakable automated phone verification loop. I had a legal name change in XX/XX/XXXX. I updated my records with my mobile XXXX in XX/XX/XXXX to ensure everything matched. However, the bank 's automated vendor system is still failing to match my identity to my mobile line. On XX/XX/XXXX, I successfully completed their physical mail verification process by inputting the reference number sent to my home and my card was activated. Today, XX/XX/XXXX, I attempted to use my card, the charge was declined, and the system immediately locked me out again. When I called phone customer support and the fraud department, front-line agents and supervisors refused to conduct a manual identity override, refused to escalate my call to a supervisor with compliance clearance, and insisted I must wait weeks for another physical letterwhich already failed to resolve the underlying system block.…
I received a summons for court from CITI bank suing me. They are attempting to garnish and take funds that are illegal to take from me. I have SSA benefits. Them attempting to garnish said wages or my bank account is completely illegal and I will be retaining an attorney they were put on notice from before and this is starting to affect my health adversely. Please be advised that my income comes exclusively from [ Social Security Retirement / SSDI / SSI ] benefits. Under federal law ( 42 U.S.C. 407 ), these funds are protected from garnishment, levy, and other legal processes by private creditors. Continuing with this lawsuit and threats of garnishment are illegal
I've had a Citibank charge card for {$7200.00} okay that I've just had about XXXX weeks I've made every payment I made a XXXX over a over {$11000.00} and purchases and all were paid with no problem I wake up this morning on this day okay XXXX XX/XX/XXXX and I find out that my accounts closed for something that happened over 10 days ago that they never told me I want my I want my card back
This all started back in XXXX when they restricted my account. My account has been in this state ever since and no one, and I mean NO ONE will help me resolve this issue. I paid off this card and had a {$0.00} balance until one of the merchants that I used issued me a refund of {$200.00}. Now I have a balance of - {$200.00} and would like a refund check sent to me in that amount to my address on file OR reverse the refund so that it goes back to the merchant so that I can deal with them directly instead of Citibank. Citibank has NO right to those funds and should not be holding my money hostage. I've contacted them numerous times with no help whatsoever. All I am asking is for them to issued me a refund check and CLOSE my account or REVERSE the refund so that it goes back to the merchant. Every time I call, they refuse to assist me and hang up. As this point, I don't care about this account but I do want my money back that is owed to me.…
citi closed by credit card, Citi/XXXX XXXX XXXX XXXX XXXX XXXX due to payment processing problems between themselves and my bankXXXX XXXX XXXX XXXX citi refuses to provide any avenue to re-open this card or re-issue such that I can use card and privileges that come with the {$590.00} membership fee. since with payment prob was vendor prob at my XXXX XXXX citi has closed the card and refused to refund that fee. I need to have the fee returned or card re-opened, both of which citi has refused to do, because of some policy they cant ' reveal. I have been a customer for XXXX years, never a late payment. never a ding on my credit score of over XXXX. they are being inflexible and are hurting me as a customer even though I keep trying over and over to work it out with them. please have them open the card or return the membership fee. the fee was paid for a YEAR of privileges, citi has not kept up their end of the membership agreement and refuse to make good on it.…
I have a credit card account with Citibank, specifically the Citi/XXXX XXXX XXXX XXXX XXXX benefit of this card is a " XXXX XXXX, '' described in their words : " You can earn up to {$100.00} in statement credits every calendar year when you shop at eligible brands. '' On XX/XX/XXXX, I made a purchase of {$85.00} on XXXX that is eligible for this credit based on their own stated XXXX XXXX XXXX XXXX XXXX To qualify for a XXXX XXXX XXXX Credit ( XXXX ), a purchase must be made directly on XXXX XXXX XXXX, and the purchase must be fulfilled by XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX also states that it can take up to XXXX billing cycles for the credit to post. It has now been XXXX billing cycles and the credit has not posted. I first tried to resolve the issue on their customer service phone line, but the people I spoke to did not even know that the " XXXX XXXX '' was a benefit of this product.…
On XX/XX/XXXX I booked a hotel room through XXXX. I called XXXX on XX/XX/XXXX to change the date. They said to hold while they contacted the hotel. They retuned from the hold and informed me the hotel would make the change provided a wired the funds for a new room in the amount of {$2800.00}. I wired the funds to the information required : Account Name : XXXX XXXX Bank Name : XXXX XXXX Account Number : XXXX Routing Number XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX Account Holder Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I was told the room change would appear that day and that I would be refunded. No change occurred. The next day, on XX/XX/XXXX, I reported a fraud to my bank ( Citibank ) and to XXXX. I also filed a report with the FBI the same date. Despite these efforts, Citibank has refused to refund me the wired amount.…
I submitted a dispute with Citi on XX/XX/year> regarding a {$650.00} transaction with XXXX on XX/XX/year>. Citi closed the dispute on XX/XX/year> indicating that I am responsible for paying for the transaction. The reason for the dispute was because I tried returning the merchandise to XXXX but they offered no way to return the merchandise back to them. I tried reaching them via phone, chat, text and their website and they were unresponsive. I provided Citi with extensive documentation showing I attempted to return the merchandise via email. I actually submitted a second dispute at Citi for the same reason due to how XXXX processed the order in multiple transactions. This second dispute, which was for the same reason and had the same documentation that was provided. This second dispute was resolved in my favor by Citi and the money was refunded. I tried contacting Citi multiple times regarding the unresolved dispute.…
Addendum to Active CFPB case # XXXX to : Citigroup XXXX XXXX XXXX XXXX Consumer Relations Citibank Credit Card XXXX XXXX XXXX XXXX Urgent Docs Upload to merge to support CFPB case # XXXX Gentlemen : My name is XXXX XXXX, and I opened a CFPB complaint report against Citibank on XX/XX/year>. In support of my case, I need to merge new docs asking for a permanent and final credit of XXXX {$1000.00} in my Citibank credit card acct. Docs are : XXXX ) Citibank new dispute letter asking for opening a new dispute ... and XXXX XXXX XXXX Report. Please merge these files immediately to my Citibank active case # XXXX Thanks for your help and assistance. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
I am filing this complaint against Citibank XXXX XXXX . regarding Account No. XXXX XXXX XXXX XXXX XXXX because the company continues to report inaccurate, incomplete, misleading, and unverified information on my consumer credit reports despite receiving my dispute and request for a reasonable investigation. After carefully reviewing my credit reports, I discovered numerous discrepancies associated with this account. The account is being reported as a charge-off, while simultaneously reflecting a {$0.00} balance and {$0.00} past due, creating conflicting and misleading information about the true status of the account. In addition, the reported payment history, delinquency history, account status, dates of activity, and other material information appear inconsistent and have not been properly substantiated. I submitted a detailed written dispute directly to Citibank requesting that they conduct the reasonable investigation required under the Fair Credit Reporting Act ( FCRA ).…
I am filing a complaint regarding Citibanks handling of a recent credit limit reduction on my credit card account. Citibank notified me that my credit limit was reduced following a review of my account and credit information. The adverse action notice states that the decision was based in whole or in part on information from XXXX However, the notice also explicitly states : Other than providing information, the reporting agency played no part in our decision and is unable to supply the specific reasons why we decreased your credit limit. After receiving this notice, I contacted Citibank customer service to obtain the specific reason for the reduction. The representative repeatedly told me that XXXX would have to explain the decision, despite Citibanks own written notice stating that XXXX can not provide the specific reasons because it did not make the decision. As a result, I have been unable to obtain a meaningful explanation for why my credit limit was reduced.…
XX/XX/XXXX my rent payment came out my account. I knew I had the money in my savings account to transfer to my checking. I went into my bank account my money from my savings account was gone. I called citi bank around noon. I ask the lady where to my mom go. I need it to cover my rent paying that just hit my checking account. She proceeded to say there was something debited from the account but I wont be able to see it until tomorrow. She asked to did I see the same thing on my end. I said no I dont. How can you see something XXXX cant? ( You all can pull the recording ) Later on in the evening around XXXX I get a email stated that they moved my money for me to cover the cost.Now I know where my money is possibly. My account is still negative at this point. Still nothing has posted. I called citi bank today XX/XX/XXXX I wanted to ask them why did they move my money on my behalf and then my money was no where to be found. I told this my whole issues is with them is.…
In XX/XX/XXXX, my XXXX AAdvantage Aviator credit card account, which was in good standing, was involuntarily migrated to Citibank , XXXX . as part of Citi XXXX acquisition of the XXXX AAdvantage portfolio. Within weeks, Citi closed the account ending XXXX. I never applied for a Citi account in XXXX ; Citi acquired my account and then closed it. The closure appears to be based solely on an internal restriction Citi placed on my profile in XXXX, when Citi closed my checking account after I deposited funds transferred from my own account at XXXX XXXX XXXX XXXX XXXX, a XXXX XXXX chartered and regulated by the New York XXXX Department XXXX XXXX XXXX. That activity was entirely lawful. There was no fraud, no loss to the bank, no overdraft, and no violation of any law. My XXXX XXXX XXXX Report dated XX/XX/XXXX shows no reported information of any kind. My banking history is clean.…
Hello I opened a bank account with citi bank and my wallet was stolen and I reported the unauthorized transactions promptly I have XXXX liability feature on my debit card. After a couple of days the blocked me from access my funds just saying there are going to close my account without any reason just because I filed a dispute because my card was stolen. I tried contacting them back to speak to a supervisor and no help I even email the executives and no answer. The funds I had in the account is the pay bills and every day late is XXXX dollar fee
Citibank told me to wait 30-60 days to recieve the funds that were on the account and its been more than 70 days and still nothing
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