Credit card or prepaid card -- Other features, terms, or problems -- Complaint #6193550
Complaint Overview
Complaint ID: 6193550
Company: Citibank, N.A.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Problem with balance transfer
State: Florida
ZIP Code: 32216
Date Received: 2022-11-10T12:00:00-05:00
Date Sent to Company: 2022-11-10T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Investigating Officer, On XX/XX/2022, I initiated a balance transfer using my Citi Double cash card in the amount of {$9000.00} plus {$270.00} balance transfer fee to pay off a part of my personal loan with XXXX XXXX XXXX. However, I was surprised to see that the charge got posted as balance transfer made to XXXX XXXX XXXX XXXX. I never mentioned to Citi or filled up their online balance transfer form mentioning XXXX XXXX as my creditor. For the records, I NEITHER have any outstanding balance with XXXX XXXX NOR have any personal loan with them ( I can provide documentation for the same ). I even called XXXX XXXX customer fraud protection department to verify if they received any check against the account number with my name that I initially provided to Citi when I submitted a request. They denied receiving any such check from Citi in the amount of {$9000.00} on XX/XX/2022. Therefore, I recognize the {$9000.00} balance transfer charge ( Merchant : XXXX XXXX XXXX XXXX ) posted on my account as fraudulent and request that it is immediately credited back to my account. Its just frustrating that Citis online balance transfer application is so broken and incompetent that it couldnt match the account number with the bank name that I provided in the first place. Whats even more frustrating is that it was sent to XXXX XXXX which is not even in the picture whatsoever. Now when I tried to contact Citis customer service, they abruptly ended the chat without providing a proper explanation/resolution as soon as they realized they messed up. When I contacted them over phone, they merely mentioned they needed to first verify where the check ended as it is reflecting on my credit card statement as processed/posted. More than offering me help and resolving my issue by issuing me a refund immediately, they seemed more concerned with the error they made on their end and made it seem as if I was the one at fault. Personally, I feel CITI should cease their Credit Card product offering if they are not able to protect customers assets and their credit history/file which they worked so hard on for years. Thank you for your help and assistance in this matter. I hope for a speedy resolution and request {$9000.00} fraudulent charges and {$270.00} balance transfer fees refunded back to my Citi Double Cash account.
Frequently Asked Questions
What is Complaint #6193550 about?
Complaint #6193550 was filed against Citibank, N.A. regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2022-11-10T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with monetary relief". 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.