Consumer complaint received 2021-07-28
Company: CITIBANK, N.A.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I recently opened a checking account plus w over draft protection, and over draft line of credit that comes w this type of checking account, I was automatically approved for all of the benefits that came w my new checking & saving account 's w Citibank Gold plus personal checking, Citibank sent me a debit card that wasn't valid, it didn't have a 3 digit num on the back of my debit card, They sent me my check book w check 's that Im not able to use, Citibank never added my Overdraft line of credit XXXX though I was approved for it, Citibank failed to honor my Over draft protection on my account XXXX though they told me all checks and debit transactions are covered, and that any check i had written was covered by both my line of credit, and my overdraft protection, that all I had to do it deposit {$1.00}, to start my account, I deposited {$5.00}, Citibank had sent me my overdraft line of credit welcome package, in that package I had to sign and return my loan documents by fax or mail, I faxed them back the same day I received the package, Citibank had confirmed they received my signature verification loan documents back and that they would be adding my Overdraft line of credit immediately! That never happened, Its been almost 3 months Citibank still hasn't honored nothing they had offered nor did I get the Citibank checking account gold plus account I was approved for, Citibank can't answer why they had me sign my loan documents but never gave me my overdraft line of credit. Nor have they gave me my {$1500.00} new members sign up bonus, its been 90 days, Citibank never gave my wife her {$100.00} referral bonus for referring me, Citibank bank has caused my checking account to be overdrawn and checks Citibank said had cleared have returned causing my rent payments to bounce. Other bills bounce. And caused my other bank account to have several bounced checks reflecking very very very negative on me. My accounts have all been blocked. Citibank is charging me over draft fee 's and other fee 's when they never cleared none of my checks, nor bills give paid including bounced a {$160.00} check on my wife 's us bank account after Citibank said that check had cleared. both rent payment 's have returned {$420.00}, {$750.00}, {$160.00}, {$350.00}, Citibank has caused my XXXX XXXX XXXX XXXX XXXX account to have several returned payments totaling {$990.00}, I have to pay that back on XX/XX/2021 to XXXX XXXX to bring my account back in good standing. And have to pay a bunch of fee 's they charged me. Not to mention destroyed my excellent history give had w my credit union. My landlord. And my XXXX  account to be suspended by returning my {$480.00} auto payment give set up. Citibank lied and said cleared but returned 2 different occasions, Citibank bank has my checking account reflecting 4 different balances none which makes any sence because they never covered any of my transactions. Bills give paid. Checks ice written. Including my wife 's bank is now in the negative by {$350.00} w XXXX XXXX  do to Citibank lying deceitful practice 's, Give called every day several different times a day spoke to supervisor 's '' account manager 's, banker manager 's, give XXXX filed a grievance against Citibank for faults advertising, and for refusing to fix their error 's. Way fee 's. And bounced checks. And fee 's. And for not honoring my overdraft line of credit XXXX though I've sign my loan documents and faxed them back into Citibank. And for sending me a fake debit card. And for sending me a check book with checks for my new checking accounts that Citibank isn't honoring. being assest overdraft fees of {$39.00} per overdraft transaction XXXX though Citibank never covered none of my transactions. Checks ice written. Nor bills give paid. All I get is put on hold transfered rep to rep. Hung up on. Or givin different numbers to call which all was a waste of time. I wasn't to know why I have a balance w Citibank bank when they never honored nothing they offered me. Nor that i was approved for. What are my rights as a consumer that's being taken complete advantage of me as a new Citibank Checking account Gold plus w overdraft line of credit foe personal use.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation