Credit card or prepaid card -- Trouble using your card -- Complaint #5084338
Complaint Overview
Complaint ID: 5084338
Company: Citibank, N.A.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: Connecticut
ZIP Code: 064XX
Date Received: 2022-01-07T12:00:00-05:00
Date Sent to Company: 2022-01-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
- Reached XXXX credit limit of {$14000.00} on XX/XX/2022 - Made one time payment of {$9700.00} to make credit available on the account. This was done 12 days before my autopay for that amount was scheduled. - {$9700.00} amount was drawn from my bank account on XX/XX/2022. -I tried to make a purchase with this XXXX on XX/XX/2022 but it was denied. -I called customer service on XX/XX/2022 immediately after attempting the purchase. I was told that I had available credit but the payment of {$9700.00} made on XX/XX/2022 was frozen for 10 days. They said they could do nothing to reverse the freeze and could provide no specific reason for it. - I called my bank. They confirmed the payment to Citi and said they have no way to retrieve it. - So now Citi has close to $ 10K of my money while withholding credit access for 10 days which seems like fraud to me. - This is causing disruption in my life as all of my monthly payments for utilities, subscriptions, and donations are on direct payment schedules using this card resulting in hours of changing payment methods for all these creditors so my payments don't bounce.
Frequently Asked Questions
What is Complaint #5084338 about?
Complaint #5084338 was filed against Citibank, N.A. regarding Credit card or prepaid card specifically about Trouble using your card. It was received by the CFPB on 2022-01-07T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against Citibank, N.A.?
Yes, visit the Citibank, N.A. company profile at readthecomplaint.com/company/citibank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.