Citibank, National Association Corporate

Complaint ID: 8380568

Product: Credit card

Sub-Product: General-purpose credit card or charge card

Issue: Closing your account

Subissue: Can't close your account

Company: CITIBANK, N.A.

Complaint: I tried to charge tickets to XXXX XXXX XXXX. The payment app said they wanted to send a code to the phone number registered with the credit card company ( Citibank ). I saw that it is the wrong phone number. I have an XXXX phone number and do not have a US phone number. I logged onto Citibank 's website to change the phone number. They do not allow non-US phone numbers. Then they locked my account with a note saying to call the fraud department. I called the fraud department. They asked what my secret word is. I don't have a secret word. Then they wanted to send a code to my phone number, which of course is the root of this problem. They were not able to verify me. I asked to close the account. They said they couldn't close it without verifying me ( somehow they were able to open it, however ). I asked for a postal address and an account closure request. They said they did not have this and nobody has ever asked for it before. They said they would mail something to my adddress on file. I don't think they have the correct address on file. So it is a catch-22. Unless I can break out of this then the account may be open for the rest of my life. Their fraud system is not my issue in this case. My issue is that I want to end the relationship with them.

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 8380557

Product: Credit card

Sub-Product: Store credit card

Issue: Fees or interest

Subissue: Charged too much interest

Company: CITIBANK, N.A.

Complaint: I was told by citibank for my BestBuy card that interest is calculated on a deferred interest purchase at compounded daily making the deferred interest 80 % of my purchase price. They offered me a 2 month extension, sent no proof of this agreement, and for some reason sent me a form letter denying to adjust my credit report which I did not need or ask for.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 8378767

Product: Checking or savings account

Sub-Product: Savings account

Issue: Managing an account

Subissue: Deposits and withdrawals

Company: CITIBANK, N.A.

Complaint: On XX/XX/2024 I attempted to withdraw money from my " Accelerate Savings Account '' ( XXXX ) at Citibank. When I attempted to wire the money to another bank account ( In my name ) I received a popup with " Error Code XXXX '' that had instructions to call Citibank because my account was now locked. I called the number on my screen. I was then told I had the wrong number and that the people in the location that I called couldn't help me. After finally reached the correct department the rep recommended we try again. So, I tried it again and got the same error. The rep then asked if I had alternate ways of transferring the money i.e. ACH. I told him that Citibank doesn't work with my bank so that wasn't possible. We went back and forth for a moment before I asked about the wire transfer again and the support rep began rambling about wire transfer scams. I interrupted him and said I knew what they were. Then, the support rep said that he thought I was being scammed. I replied " How can I be getting scammed if I'm sending money from My First/Last name to My First/Last name? I'm sending the money to myself. '' He only hesitated for a second before jumping back into his scam script. XXXX or whatever fake name he gave me is persistent, I'll give him points in that category! Anyway, I told him that this wasn't a scam. I informed him that I needed that wire pushed through because I had college and credit card payments to make with that money. Finally, the rep admitted that " the system '' was flagging me so there was nothing he could do to help me and that my money was stuck. I was a bit upset and asked to speak to whoever was above him. The next rep was just as unhelpful, repeated the same script, and then suggested I drive XXXX hours to the nearest Citibank. The only solution I was given was to wire the money to someone else. That seems like quite the quandary! " You're being scammed by transferring your money to yourself. You should send it to someone else instead. '' was the resolution Citibank offered me. Realizing we were going in circles that led me nowhere but deeper into frustration I said goodbye. Desperate, I looked over Citi 's website and saw their ACH partners include XXXX. So, I logged into my XXXX credit card account and opened a shiny new savings account. However, do you think the ACH transfer worked? Nope, error code XXXX! So, I sat and stewed for a while before I realized if I close my account they have to come up with a way to get me my money. Citi didn't care about me because they had the power. I decided to close the account in a desperate attempt to turn the tables. At this point I wasn't worried about my payments, I was worried that my savings were gone. Thankfully, when I called in and told them I wanted to close the account the new rep told me if I did that a check with the remaining balance could be mailed to my house. I quickly agreed to that and a few moments later my account was closed. My check showed up 8 days later which cost me late payment fees, interest on the credit card, and interest on my tuition payment.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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