Consumer complaint received 2017-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
i received a citibank double cash rewards card in the mail. I thought it was a new bank card for citibank where i currently have a checking account. I went to the bank and deposited {$400.00} and the prompts on the atm where actually as they always are when using my other card, ie > asked me where i wanted to deposit, ,checking or savings, ,i chose checking and assumed it would be deposited in my checking acct.. the next day i deposited {$1000.00} dollars the same way..this time i went home to check it on my computer and saw only {$79.00} in my account which is what i started with ... I called the number on the back of the card saturday   XXXX   XXXX   and was told this is a credit card and the money went to my credit card. I explained that this was an error and i needed it refunded to my checking account to cover my scheduled bills as well as rent. I gave my checking acct routing and account number and was told it would be processed withi n 3-5 busin ess days. I called again on wednesday   XXXX   XXXX   and was assured that it was being processed by offshore location and would be in my acct later that day or early the next day..I called the next day Thursday   XXXX   XXXX   to be told that they were going to hold the full amount charged on the card in the amount of {$390.00} and would only refund me {$1000.00}, then they said they did not have my checking acct or routing number even though it was given to them when i initially  called..i had to le ave where i was to run home and give them the info again. I called the following day, friday   XXXX   to ask them what right it was of theirs to take full payment without authorization when their are extending me credit which means i am able to pay min amount due. Please note this is a new card and did not even have statement generated for me yet, so there was no negative or non payment history. After stating my case over and over they agreed to refund me the full {$1400.00} and send a statement so that i could pay the min or above as i wish ... .once again they needed my checking acct and routing number ( for the third time ) and this would now take anothe r 3-5 busi ness days ... .i called again on tuesday   XXXX   XXXX   to be told that they sent it to my checking account number but could take another  3-5 busin ess days to reflect ... They have basically run me around while putting all my other auto debit credit cards in jeopardy as well as my rent payments. I was forced to borrow money to cover what should have been in my bank to begin with, violated my rights to authorize my payments and continue to string me out with nonsense and lies ... I would really appreciate and hope that you will investigate their shady practices and put an end to it while imposing a hefty fine on them for robbing people without a  gun, but it is  still robbery none the less ... ..Thank You!  XXXX   XXXX

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