Reviews
54
Average
Response rate
0%
Resolution rate
0%
Anonymous
My statement includes an additional $220.00 in interest charges, but Citibank has not explained the basis for these charges or how they were calculated. I request a complete accounting of the remaining balance of $1800.00, including the principal amount, interest calculations, applicable APR, and the dates used to compute the interest.
Anonymous
Citis chat agents gave contradictory explanations, refused to provide transaction-specific records, and only submitted feedback rather than opening an investigation.
Anonymous
All my credit cards were closed without explanation. I have been using these cards for 20 years.
Anonymous
A year ago, I applied for a credit card. I never received the card or any statements. Citi told me that I will received the results of my application via mail. I never received nothing. I recently received a statement saying that I had an account with this company and that I was charge a suscription. I call immediately, and the Citi representative said that I need to pay even if I was not aware of the suscriptions or have the card with me. I tried to explain, that I never received the card, I also never use it or accept the terms.
Anonymous
Citibank is siding with the company and trying to take my $420.00 provision credit from me
Anonymous
I opened a Citi credit card account but never received the physical card in the mail. Because I never received the card, I never activated it and never used the account. During my phone call with Citi, the representative confirmed that the card was never activated and that there were no purchases or other transactions on the account. I also did not receive any billing statements or notice that an annual fee had been charged. I only became aware of the annual fee after it became past due. I contacted Citi and requested that the annual fee, any related late fees and interest, and any negative credit reporting be removed because I never received, activated, or used the card. I also requested that the account be closed without penalty. Citi has not provided a satisfactory resolution. I am requesting that Citi remove the annual fee and all related charges, correct any negative credit reporting associated with this issue, and close the account without penalty.
Read full reviewAnonymous
I opened a dispute and I should be the one to say when it is closed not the company I am complaining about. Citi bank did not resolve the issue why are you letting them close the complaint. I have a detailed spreadsheet proving my point. Best buy shows my refund but Citi bank continues to bill me. I suspect fowl play here. The attached Excel spreadsheet has 7 tabs, start with the summary tab, then def charges and then def charges details and then look at each year
Anonymous
Citibank closed my accounts but allowed me to open a new account. Now, they are closing the new account
Anonymous
I enrolled in a pay down program and was told to make the first payment that day, I did and yet my account never notated that it was in the program. For almost a month I called and constantly spoke to agents that assured me my account was enrolled in the pay down program. My next billing cycle came and there were interest and late payment fees tacked to my account and no indication of the pay down program. I continually called and have been told that a back office team with no means of communication will work on resolving the problem. Another billing cycle has passed and even more late payment fees and interest charges have been tacked onto my account. I continue to call every other day being told this back office team is working on it and hopefully by next billing cycle is resolved. My credit is now being affected by Citi who refuses to solve this issue.
Read full reviewAnonymous
credit card is open with citi bank was able to cancel card, but was told my address was used and social security card number was also used without my knowledge
Anonymous
The problems I have experienced include : My checking account could not be added as a payment method even though I entered the correct routing and account information. My bank is a small local institution, and their system would not accept it. I do not receive paper statements, so I can not mail a payment. The website and mobile app do not provide a working option to pay by debit card. Ironically, after spending considerable time on the phone with customer service, their own technical support representative incorrectly told me that paying by card through the app was available. As a result, the only practical method left to make a payment has been to spend an excessive amount of time navigating an automated phone system before eventually reaching a live representative.
Read full reviewAnonymous
I contacted the bank, thankyou from CITI to dispute charges, the bank issued the credit for the items I have never ordered nor received, services I have never requested nor ever used. I agreed to it after they made the investigation and credit my account. I requested the bank to close the account completely, but instead they sent me a new credit card number. Now under the new card number the bank reversed the previous amount they have already credited to my account. After that, I have tried to get in contact with the bank multiple times, I get thru after 30 to 60 minutes wait. They asked all the information to identify me,10 to 25 minutes, then, transfer me to another department, the asked all the information again and transfer me again to another department and so on, that happened multiple times and after 1 to 3 hours waiting on hold, they hang up on me with no explanation.
Read full reviewAnonymous
Home Depot claims they sent my statement. I did not receive it and they charge me late fees. This has happened a few times in the past. I know other people that claim the same thing. It sounds like they do it intentionally to generate a revenue stream. My credit is perfect and corrupt companies get away with things like this all the time. They put their credit collection responsibilities with a different company so they can say legally its not their fault but plausible deniability should not be a loop hole when they get many complaints.
Anonymous
Subject : Response to Companys Reply Request for Further CFPB Review I am requesting that the CFPB continue reviewing my complaint because Citibanks response did not address the primary issue I raised. Instead of investigating my concerns, Citibank sent a generic template explaining how interest charges and deferred-interest promotions work. This response does not address whether the promotional financing terms were properly disclosed to me when the account was opened or why my request for relief was denied. My concern is not that I do not understand how deferred interest works. My concern is that I was not clearly informed that if the promotional balance was not paid in full by the expiration date, all previously accrued interest would be charged retroactively. Had this been clearly explained, I would have made different payment decisions. I specifically requested that Citibank review my account for a courtesy adjustment or otherwise explain why the deferred-interest charge could not be removed. Instead, they instructed me to submit a routine interest adjustment request and provided general information about fees and interest. They did not investigate my complaint or respond to the issues I raised. I respectfully request that the CFPB require Citibank to provide a substantive response to the following questions : * What evidence does Citibank have that I was clearly informed of the deferred-interest terms at the time the promotional financing was opened? * Why was my request for a review of the promotional interest charge not evaluated on its merits? * Is Citibank willing to provide a courtesy adjustment or other resolution based on the circumstances surrounding this account? I am asking that this complaint remain open until Citibank provides a meaningful response that addresses these issues rather than a generic explanation of how promotional interest works. Thank you for your continued assistance.
Read full reviewAnonymous
Citibank has denied my applications for a personal loan on numerous occasions and recently a credit card using the same erroneous information claiming that I made late payments on a previous Citibank card. I only have and have only ever had one Citibank AAdvantage card and I have never once made a late payment. I am disputing their information that I had a previous Citibank card where late payments were made. There is no record of a previous Citibank card on any of my credit reports that had late payments. They have no right denying my applications under false circumstances.
Read full reviewAnonymous
I am filing this complaint because Wayfair/Citibank has repeatedly attempted to collect money that does not appear to be connected to any valid purchase, item, service, invoice, or bill of origin. This issue began after Wayfair/Citibank made billing errors on my account. During the process of trying to correct those errors, the company admitted more than once that the disputed amount was their mistake and that I owed nothing. Credits and/or corrections were issued based on those admitted errors. Despite that, I later received a different statement claiming that I owed money again. The new claimed balance is not connected to any purchase I made. It is not tied to any item, service, valid order, or original invoice. It appears to have been created by Wayfair/Citibank without a legitimate bill of origin. I have the original receipts for all purchases made through Wayfair, along with payment records confirming that the purchases were paid in full at the time of purchase or through the original invoice payment. I made no additional purchases that would support the new balance Wayfair/Citibank is attempting to collect. Wayfair/Citibank can not identify what item, service, purchase date, order number, or invoice created this balance. Instead, the company has issued conflicting statements : first acknowledging that the balance was an error and that nothing was owed, then later claiming that the same or related amount is owed again. I believe this conduct is false, deceptive, and unfair. Wayfair/Citibank appears to be attempting to collect a balance that has no relationship to any valid transaction. If a company can create a balance without tying it to a purchase, item, service, or bill of origin, then demand payment under threat of negative credit reporting, that is a serious consumer protection issue. I believe this may reflect a broader policy or practice that could be used to improperly collect money from consumers who do not actually owe it. I am requesting that the CFPB review this conduct, including Wayfair/Citibanks billing records, dispute handling, credit reporting threats, and the companys failure to provide documentation supporting the alleged balance.
Read full reviewAnonymous
I called Citibank to close my account earlier this year and was told I would need to drain the account of funds. I did so, and then called again to close. I was told that the account was closed. In actuality, they had not closed the account and had let if open, leading to fees accruing and sending me into overdraft. Today, I received an email saying that my account had been closed and that I would be reported to collections for the $10.00 in accrued fees. I have no issue paying the accrued fees, but do not have a Citi branch in my state so would have to send out a check ( which they did not issue me upon account opening ). This is unnecessary hassle after I had specifically taken steps to resolve this issue.
Read full reviewAnonymous
I'm writing to formally request that the collection account mentioned in your most recent email be validated. In accordance with my rights under 15 U.S.C. 1692g ( b ) of the Fair obligation Collection Practices Act ( FDCPA ), I ask that your office furnish comprehensive and verifiable proof attesting to the validity of this obligation. At the very least, this validation has to contain : The original creditor 's complete name and address, A thorough statement of the whole amount owing, including principle, interest, fees, and any additional charges, the original account number, a full payment history and evidence, such as a signed contract or other official papers, proving I am legally required to pay this obligation. You are legally obligated to stop all collection efforts and not report this account to any credit reporting agencies until such validation is received. This inquiry is meant to make sure the data you are reporting is correct, legal, and not the product of fraud, miscommunication, or error.
Read full reviewAnonymous
I was the victim of check washing. I went to Citibank agent personally and closed the account after finding checks were washed with different person names for the payment- payment amount also changed. i have submitted affidavits repeatedly and citibank does not get back to me- i just keep being sent to different phone numbers. I have been a customer for 30 years and never made any complaint. First time victim of fraud.
Anonymous
For more than one year, I have been making continuous and good-faith efforts to obtain a historical account verification from Citibank confirming that my late father maintained a checking account with Citibank N.A . My father passed away in 2008, and the funds remaining in his account were subsequently reported and remitted by Citibank to the Florida Department of Financial Services Division of Unclaimed Property as unclaimed property. I am not seeking payment from Citibank, nor am I attempting to recover funds directly from the bank. The funds are already held by the State of Florida. The only reason I have contacted Citibank is because the Florida Department of Financial Services has expressly informed me that, before it can complete my inheritance claim and authorize the release of those funds, I must provide documentation establishing that my late father maintained a banking relationship with Citibank N.A. For well over a year, I have repeatedly contacted Citibank through multiple channels, including the Executive Response Unit, the Unclaimed Property Department, and other departments identified by the bank. I have sent numerous emails, formal written requests, and supporting documentation in an effort to obtain this historical verification. Rather than receiving a substantive response, I have repeatedly received generic replies, been referred from one department to another, or received no response at all. At no time has Citibank informed me that the requested historical records do not exist, that they can not be located, or that the requested verification can not legally be provided. Because Citibank repeatedly failed to respond, I previously filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). Following the CFPB 's intervention, Citibank requested additional documentation. I promptly complied with every request and submitted the death certificate, documentation establishing my status as the lawful heir, the official correspondence from the Florida Department of Financial Services, the requested attestation form, and all other supporting documents requested by Citibank. Despite my full compliance, Citibank once again ceased communicating after receiving the requested documentation. Since then, I have continued sending follow-up requests, yet I have still not received the historical account verification required by the State of Florida, nor any written explanation as to why Citibank is unwilling or unable to provide it. As a direct result of Citibank 's continuing failure to respond, I remain unable to complete a lawful inheritance proceeding before the Florida Department of Financial Services. This matter has now remained unresolved for a prolonged period despite my repeated good-faith efforts to cooperate and provide every document requested. I respectfully request that Citibank conduct a reasonable search of its historical records and either provide the requested verification confirming my late father 's banking relationship with Citibank N.A. or issue a clear written explanation identifying the legal or factual basis for its refusal to do so. The continued failure to provide either the requested verification or a substantive response is preventing the completion of my lawful inheritance claim before the State of Florida.
Read full reviewAnonymous
I am submitting a formal complaint against Citibank ( Citi ) regarding a systemic automated billing and account closure error on my Best Buy credit card account. I am requesting an immediate executive underwriting review to manually reinstate this account, which was closed due to an internal system glitch rather than a lack of payment or credit risk. The Timeline of Events : Initial Transaction : A scheduled payment transfer failed to process due to a bank transfer issue. Immediate Proactive Remedy : Upon realizing the transfer issue, I immediately contacted Citi customer service to notify them of the situation. I then went in person to a physical Best Buy retail location and paid the entire balance in full via an immediate electronic debit card transaction using my PIN number. This brought the account balance completely to zero before the initial failed item had even finished posting as returned in Citi 's system. Systemic Glitch : Despite the debt being fully satisfied and paid in full at the brick-and-mortar location, Citis automated Automated Clearing House ( ACH ) system automatically resubmitted the original failed transfer request a second time. Because the account was already fully paid, this forced automated action resulted in a secondary " returned item '' flag on a balance that no longer existed. Algorithmic Closure : Following this false secondary return flagwhich was entirely generated by Citi 's automated processing rules and not by my actionsthe automated risk algorithm triggered an immediate closure of the account ( " Closed by Grantor '' ). Impact & Request for Resolution : Standard phone customer service channels lack the system clearance to review manual store payment timestamps against ACH automated cycles and are executing blind transfers. This account was paid proactively, and its unjust closure severely harms my available credit line ratios and ongoing business credit structuring. I have attached my verified bank statement showing the immediate, real-time electronic funds transfer ( EFT ) via debit card with PIN verification completed at the Best Buy retail location. This proves the funds were fully cleared and the debt was legally satisfied prior to Citi 's automated processing system initiating the second, erroneous collection attempt. I request that an Executive Resolution Manager or Senior Underwriter manually review the payment timestamps, override the algorithmic closure, and reinstate the account to its full capacity in good standing.
Read full reviewAnonymous
I have had a Home Depot credit card for a few years. Which I have maintained a good balance, keeping my balance low. Ive received several invites to increase my usage, but chose not to. Due to illness, I missed a payment, but paid within 5 days past the due date to then learn that my limit was decreased to $200.00. Ive never spent over $350.00 on this card as I exercised financial responsibility. I was told all of the credit report stuff was the reason which makes no sense, as there are freezes on each of my accounts with each credit agency. How could they pull a report if there is a freeze on my credit? I requested that my increase be returned & was denied without any logical explanation.
Read full reviewAnonymous
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 section 604a, section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Anonymous
I had a banking relationship with Citibank when they decided to close my account with an ending balance of $35000.00 that was never returned to me. They claim they have been trying to verify the check, when nothing needs to be verified because the funds are still there in their banking system a few years since they decided to close my account with my funds in there. Nothing on there end is stating that the funds needs to verified, because the funds are still there with them Citibank! Citibank decided to close my account so they can steal my money!!! They need to return my money like the law requires of them.
Read full reviewAnonymous
ATTEMPTING TO PURCHASE A VEHICLE AND FOUNF THAT THE CITI CREDIT CARD WAS ON MY RFEPORT -THIS IS ID THEFT AND I DID NOT AUTHORIX=ZE THE ACCOUNT OR THE CHARGES
Anonymous
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.
Read full reviewAnonymous
Someone made a withdrawal from my accout and the bank didnt want to giveme the information
Anonymous
I wanted to file a grand larceny complaint to the police but they said i needed proof of fradulent activity from my bank. The bank won't provide me proof.
Anonymous
Macy 's employee told me that I can sign up for a loyalty card for a discount, during the process they requested for a govt id and SSN. After the loyalty card was denied I realized that they must have tried to open a credit card in my name instead. They never once mentioned that this would be a credit card application. I feel that this is a gross violation of my financial wellbeing and luckily there was no credit card opened in my name.
Anonymous
I opened a new checking account with Citibank and deposited my personal funds into the account. Shortly after opening the account, Citibank placed a restriction on my account and froze access to all of my money. I was informed that another bank was reporting a negative balance through Early Warning Services and that there was an attempt to collect the alleged debt. Citibank has not provided me with the name of the reporting bank, the amount allegedly owed, or a clear explanation of why my funds are restricted. I have not authorized Citibank to use my funds to pay any debt owed to another financial institution. My understanding is that the account is being restricted based only on a banking history report, and I am concerned about whether my funds are being held legally. I am requesting a written explanation of the reason for the restriction, the identity of the institution reporting the information, the amount being claimed, and confirmation of whether my funds will be returned to me or transferred to another party. I also request that Citibank provide the legal basis for continuing to restrict my access to my own funds.
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