Citi

Review: I was with Citi from 2003-2005, I had a balance and was making regular payments on my account, in 2014, I lost my job with the government due to a death in the family. I came home stateside to care for my nieces and nephews. I was without work for 6 months, I signed up with Freedom Debt Relief to help me negotiate with my creditors.

I was on track with payments and brought my balance with citi to $1851. This account is in good standing. I only had one account with citi. However, this account was sold to a collection agency and reported me owing $10383 with citi to all three credit bureaus. How I can be in good standing and still report it as a charge off?Desired Settlement: Research this account # [redacted], and this one# [redacted]. I only had one card with citi. This account is very old since 2004. It should be removed from my report.

Business

Response:

Citi has received this complaint and we will respond to the customer when our investigation is complete

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Complaint # ID [redacted] was not resolved to my satisfaction. The last communication that I received from CITi on ** April, it said that they received the complaint and will respond to the customer when their investigation is complete. Please reopen the case and get me a resolution with CiTi to the negative reporting to the credit bureaus that I owe $10383. When I actually owe $1851.

Research this account # [redacted] and this one # [redacted]. I only had one citi card since 2004, it is over 7 years old and should be removed

Sincerely,

Business

Response:

Citi has received this complaint and we will respond to the customer when our investigation is complete

Review: [redacted] is advertising products with 0% APR when reality it is deferred interest.

Purchased laptop in January 2013, sales rep: [redacted], location: [redacted]. Costs: $1000+, account # [redacted], payment method: [redacted] credit card, purchased: MacBook Air.

In January 2013 I use my [redacted] credit card to make a purchase of a MacBook air laptop that was being advertised as 0% APR for 18 months. The sales representative made it out as though there would be no interest whatsoever during this time. I was never informed that the no interest was in actuality "deferred interest." The advertisements in the store and on the website are very deceitful and carefully crafted so as to trick consumers into believing there will be no interest for 18 months as opposed to accrued interest that will be deferred. In big letters and logos the ads said "0% Financing for 18 months with no notable or visible disclosures. Even if there is a disclosure they make sure to put it in the fine print so that people get tricked when their eyes are drawn to the 0% main eye catcher. Additionally the sales representative that I bought the laptop from never disclose any of this information and never bothered to elaborate on the deferred interest rather made it out to be as though there would be no interest at all during this period.Desired Settlement: I would like the $307 interest charge removed or supporting documentation showing the signed document where I agreed to the deferred interest terms

Business

Response:

We will be corresponding directly with the customer as Citi has not received authorization from the customer to release information to your office.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

The company has not responded back with any details. I authorize the Revdex.com, on behalf of myself, [redacted], to request information and I authorize Citi to share information with the Revdex.com on behalf of me as well.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Thank you for your communication regarding the customer's account. Due to privacy concerns we are unable to release customer information to the Revdex.com. Our letter was mailed to the customer on 9/**/14. Please note that it may take 7-10 business days to receive.

Thank you,

Review: Despite several phone calls and visits to the [redacted] store where the customer service called [redacted] Credit Services to try and correct my incorrect billing - both amounts and dates due - the problem remains unsolved. I have been trying to resolve this since June of this year. Both myself and the employee at the [redacted] stored have called Credit Services and explained what the bill should be yet it arrives every month with different amounts and dates and incorrect changes. There should only be three amounts on my bill - one for materials and two for the 50/50 labor amount. With regard to the incorrect dates, all amounts should be due within an 18 month period (as stated on my contract) as per the promotion period advertised to which I responded and why I hired [redacted] to complete a bathroom renovation. I have copies of all my receipts, the bills and the original contract confirming an 18 month special financing but am not able to scan them.

Product_Or_Service: Bathroom Renovation

Order_Number: [redacted]

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like [redacted] Credit Services to get the amounts correct as well as the start dates and recalculate the interest accordingly so I know the exact amount outstanding; at this time I do not and it is extremely frustrating. If the person handling this file would like the exact amounts according to my paperwork, please contact me. If this problem is not resolved I will file a formal complaint with the Ministry of Government and Consumer Ser

Business

Response:

We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him/her directly.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: My husband applied for a store credit card on 2/**/15. We still have not received card and no one seems to know how to help us.

We were approved for their card on 2/**/15. To buy rings for our wedding on 4/*/15. We never received a card, twice they said they would re send one to us. We even went to the store and were told we cannot use our account number to purchase our wedding rings. After our wedding, and still no card, we decided to cancel the account that we can't even use. Their fraud department called to say we might ruin our credit score by canceling the account. So she talked us back into keeping the account. After another three weeks of not receiving the card we called to complain again. This time they offered to give us a temp cvv code to order our rings, when I went to place my order, they were out of our size. We called again to explain this and were told we would have to pay to get it re sized. After all this grief and still not receiving the credit card, and not having rings for our wedding day, we would still be forced to pay for a resizing? I've been told to email them at [redacted]. They were to reply within 2-3 business days. I've emailed twice, and it's been at least two weeks. I'm not giving them any business even if we do receive a card now. But is there anyway you can cancel our account without it ruining our credit score? This is not our fault, we can handle our open accounts. This is this corporation that didn't even give us a chance to handle an account. And at this point I am so disgusted with their customer service, I never want to give them a dime of my money. My emails go unanswered, my husbands phone calls go unresolved. I am hoping someone at the Revdex.com will be able to give me any kind of insight whatsoever. Thank you so much for taking your time to read this.Desired Settlement: I would like our account to be canceled without facing any repercussions on our end. If this is even possible. I'm out of options.

Business

Response:

We corresponded directly with our customer on July **, 2015. If you would like to further discuss the resolution, may we suggest you contact him directly.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: On August**, 2014, I used a Taxi service from [redacted] in [redacted]. Before the travel, I contacted the taxi company and they gave me a quote. The taxi fee was supposed to be $425.00. The taxi driver did not ask me to sign anything when we arrived the destination. However, on the same day, I was charged $570.00. I immediately contacted the taxi company and they said they were going to give me a refund but they never did. Then I filed a dispute in Citi Cards web site about this problem and Citi Cards investigated the issue. Apparently [redacted] sent a signed sales receipt to Citi Cards and Citi Cards closed the dispute. I reviewed the signed receipt and noticed that the sign is not mine. The receipt said “[redacted] was present at POS to AUTHORIZE, SWIPE, and SIGN for the total $570 charge.” But my initial is not even **. I immediately contacted Citi Cards but they refused to re-open the dispute. I want to request Citi Cards to give me a refund of $145.00.Desired Settlement: I want to request Citi Cards to give me a refund of $145.00.

Business

Response:

We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him/her directly.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted]. The business and I agree that this case is going to be opened until all of necessary actions are completed. I will inform Revdex.com when all actions are completed.

Sincerely,

Review: I had a ring mounted with Zales at a cost of $1200.00. The sales associated told me to sign in three spots for a financing arrangement. She did not ask me if I wanted to purchase an insurance plan on this financial arrangement. However I was not interested in purchasing a plan. When I checked out my statement I realized City Bank was charging me fee's associated with a policy, I asked them to cancel it because I did not request this. City Bank canceled the policy that I did not order but they refuse to refund me all the money back. I asked them to show proof that I ordered this and when they sent me a copy of the agreement back that I signed it clearly showed two boxes to check one to check if I wanted the plan and one to check if I didnt want the plan. NO box was checked off but they still refuse to refund me my money which is $165.05 which includes interest being compounded.Desired Settlement: I have called many times about this and they refuse to refund and credit this amount owing on my account.

Business

Response:

We will be corresponding directly with the customer as Citi has not received authorization from the customer to release information to your office.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[The amount offered $78.50 is NOT correct. The correct amount for a refund should now be $155.09 which includes accumulated interest up to current, November 2014. This is calculated as follows the amount I was being charged was $7.59 a month for a period of 14 months before it was known by me that I was being charged for something I did not request this equals $7.59 X14 months = 106.26 in addition I have been paying interest on this balance that was never taken off at a rate of 28.99 % which is $30.80 prorated per month equals $2.57 X 19 months (this includes interest for November 2014) = $48.83 + $106.26 = $155.09. Thankyou for your help in this matter which until now had left me very frustrated dealing with them trying to get this matter resolved.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Thank you for your communication regarding the customer's account. Due to privacy concerns we are unable to release customer information to the Revdex.com. We will respond directly to the customer within the next 7-10 business days.[redacted]Executive Response

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I have made multiple calls to The [redacted]s consumer credit card. My payments, which I have consistently paid for almost a year though my bank to The [redacted] credit card suddenly stopped being accepted by The [redacted] for July, August, September and Oct. I called to try and get it fixed and someone put in a trouble ticket. I also sent in a signed release that they could talk directly to my bank about any issues around the matter. I got a letter back asking for numbers that I am not sure what they are. This is why I sent in a signed release. So I am not stuck in the middle. I have no idea how the behind the scense process works and I shouldn't have to. I have a mark on my credit rating now becuase of this.

Product_Or_Service: Snow BlowerDesired Settlement: DesiredSettlementID: Other (requires explanation)

Locate what the problem wasRemove the extra charges off of my accountRemove the negtive report on my credit report

Business

Response:

We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact her directly.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID[redacted], and find the first portion of the resolution is resolved. Yet, we are actively working and resolution of the second matter regarding the negative credit report.

Sincerely,

Review: Citicards Citi Diamond Preferred offers a service called Price Rewind. Citi Price Rewind looks for better prices on what you've already bought, and refunds the difference back to you. I purchased some appliances (dishwasher, refrigerator, and stove) from [redacted] for :

Dishwasher purchased price: $699

Refrigerator purchase price:$1099

Stove purchase price: $698

I also used a 10% off coupon that was applicable to any item in [redacted]. I signed up for Price Rewind tracking and Price Rewind found the items for:

Dishwasher: $629

Refrigerator: $988

Stove: $597

Citi Cards refused to refund me the full difference in price because I used a "coupon" during my transaction. They claim that the price rewind is based on the total purchase price of all items, not the individual items. Although this is not advertised anywhere in there terms and conditions. They also use the term "item" throughout the terms and conditions, never once calling out total purchase.

I could have used the coupon on the lower price items, but I'm passed the 30 day price adjustment period thanks to Citi. I now lost the opportunity to get my money back.Desired Settlement: I want to be refunded the full difference as Price Rewind advertises. You owe me $282.

Business

Response:

We will be corresponding directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him/her directly.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

They sent me a canned letter that did not address my concerns or questions.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

We will be corresponding directly with our customer. If you would like to further discuss the resolution, may I suggest you contact them directly?

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

They sent me a letter saying that they will not communicate with me anymore. They refuse to acknowledge my issue.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Review: On my American Airlines credit card were additional charges outside of the one I had made to fly to Beijing. A few months after arriving in Beijing, I had noticed these additional charges and disputed them first with American Airlines, who after a month refused to do anything. Then I disputed with CitiBank. I was told the time would 30 to 60 days until a dispute decision was made.

I never received an update. After contacting CitiBank, I was told that the dispute had been resolved and I would see a credit of 429.10 on my statement.

The statement was posted, but no credit was received. I contacted them again, I was told on the next statement date. Which would be 4/**/2015. Now it is 4/**/2015, and I have checked the statement, and there is still no credit. I contacted CitiBank again, and was told to wait until the next statement.

Every month, I am being charged interest on the total amount I owe plus the 429.10. This is illegal what they are doing. They need to go back and refund all of the interest paid, and the 429.10 to the balance of my account.

A complaint is also being filed with the Attorney General and the Federal Trade Commission.

I have copies of all of the chat transcripts and documents sent and received.

Chat Transcripts, Unauthorized Charge Affidavit and Letters, Statements.Desired Settlement: I need to speak with someone from Executive Relations to handle this situations. Hours of time and stress have gone into correcting this. Completely unacceptable.

I can be reached at ###-###-####.

I would like the credit of $429.10 immediately applied to my balance, and any interest paid on the account back dated to the date the 429.10 was charge to my account.

Business

Response:

We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him directly.

Review: I have a Best Buy Card that is managed by Citicard. There was fraud on my account that was mishandled and a new account had to be set up. There were credits that were supposed to be transferred to the new card that were not done. As a result my account went into collections. I was forced to make a payment to preserve my credit rating. I was/am constantly being given mis-information about the more than $700 credit that I am entitled to (due to being double billed). One Agent told me it would take 24 hrs, another said 2 billing cycles (60 days). I have attempted to speak with supervisors who give me no guarantees as to when it will be resolved. The blame is placed on a host of departments (fraud, collections, customer service). Calling them is like walking through a maze. You can never speak with someone who actually has the ability to resolve the issue. But in the meantime they still want me to continue to make a payment. I ask for a Manager and I am told that there is no one else to speak with.Desired Settlement: Adjust my bill. Issue credits or some sort of compensation. Reverse negative credit bureau reporting.

Business

Response:

Dear [redacted]:

Your recent complaint filed on behalf of [redacted] has been forwarded to us for review and response. Citibank, N.A. is the issuer of the My Best Buy credit card.

Our records indicate [redacted] contacted our Customer Service Department on September [redacted] 2013 disputing transactions in the amount $654.92 that was billed to her account. Her account was referred to our Security Operations Department for review. In this situation, we closed the account ending in [redacted] where the disputed transaction occurred and set up a replacement account for her ending in [redacted]. On October **, 2013, she contacted our office to confirm the disputed transaction were valid. When our Security Operations department closed their investigation, there was an error made transferring the balances between these two accounts. As such, the account ending in [redacted] now reflects a zero balance and the account ending in [redacted] reflects a balance of $450.71.

We regret any inconvenience [redacted] have experienced, but trust this response satisfactorily resolves his concerns regarding the account.

Review: Since September 2014 I have been disputing a payment that's has been payed but Citicard is stating they never received it. I have sent a copy of the check that was deposited in citicards bank by mail (with the envelope they provided me and by fax. I have good credit and I have done everything they have asked of me but they still won't credits account. The payment is for 104.32.

Product_Or_Service: Credit card

Account_Number: [redacted] acct endiDesired Settlement: DesiredSettlementID: Other (requires explanation)

I want to be credited for the payment that was made. I supplied all documents that they requested.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID[redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: To whom it may concern:

Thank you for taking the time to help me resolve this matter. My complaint regards two unauthorized hard credit pulls that Citi performed on my Dividend account. The two unauthorized pulls happened under identical circumstances on 11/**/2013 and on 10/**/2014. I have tried a number of times through phone calls and letters to resolve the matter with Citi or to at least receive a credible explanation for Citi's actions and have gotten nowhere.

On the above dates, I used the Account Management link on Citi's homepage to request a Credit Line Increase. The screen that came up both times used this exact language: "It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision.". On the same screen I entered the required information i.e. my wages and rent payment. At no point did Citi notify me that a hard credit inquiry would be made. In fact, I went so far as to ask customer care representatives using the chat system if there would be a hard credit pull and they said I would be notified and would have to authorize one. I therefore expected that Citi would notify me if they were going to require a hard pull to review my request but received no such notification.

Please note that I have used this link at least twice before to request a Credit Limit Increase and both times (once denied, once approved) there was no hard credit inquiry made. There was therefore no consistency with Citi's credit bureau actions so I took what was said on screen - that a credit bureau would not be requested - as the truth.

On checking my reports, Citi performed hard inquiries on Experian on 11/**/2013 and on Equifax on 10/**/2014.

1. I would like to know why those hard pulls were performed despite the fact that Citi very deliberately led me to believe that they would not be performed by saying on the CLI request page: "It is easy to qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision.".

2. I would like for both these credit pulls to be removed unless Citi can prove that I authorized them (which I did not because I had no idea they were going to be made) and unless Citi can prove that they notified me that they would be made because the only reason I went ahead to request the CLI was because Citi led me to believe a hard credit inquiry would not be made.

I tried both times to have Citi explain why they said a hard credit report would not be requested and why one was requested anyway and both times I have received generic responses saying it is something Citi does to review CLI requests. I mailed Citi a detailed complaint, much like this one (I would be glad to reproduce it if need be), where I even attached a picture of a the CLI screen (a screen shot) highlighting where exactly Citi said a credit bureau report would not be requested, and still I have received the same generic response, so I have now been forced to seek help outside myself.

I have truly enjoyed my relationship with Citi and outside these unauthorized pulls, have absolutely no complaint with all the other great services I have received on both my cards with them. I would hate to mar or lose my relationship with Citi because of what was clearly a miscommunication (and dare I say error) on Citi's part.

Sincerely.Desired Settlement: 1. I would like to know why those hard pulls were performed despite the fact that Citi very deliberately led me to believe that they would not be performed by saying on the CLI request page: "It is easy to qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision.".

2. I would like for both these credit pulls to be removed unless Citi can prove that I authorized them (which I did not because I had no idea they were going to be made) and unless Citi can prove that they notified me that they would be made because the only reason I went ahead to request the CLI was because Citi led me to believe a hard credit inquiry would not be made.

Business

Response:

We will be corresponding directly with the customer as Citi has not received authorization from the customer to release information to your office.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I have not used my credit card in over 6-8 months and have been making payments anywhere from 45 on a bi-weekly to monthly basis in the form of paper checks which have been cashed of which I have proof of the cancelled checks being drawn from my bank account each time. The comnpany has not only FAILED TO apply these payments to my account but has stated these paymnents are RETURNED CHECKS AND ALSO APPLIED LATE FEES AND ACCRUED INTEREST ON INCORRECT INVAlID BALANCES FOR WHO KNOWS HOW LONG. MY BALANCES HAVE BEEN INCREASING WHILE I HAVE BEEN MAKING STEADY REGULAR PAYMENTS THEY HAVE BEEN REPORTING THIS TO CREDIT BUREAUS - APPLYING LATE FEES IN THE AMOUNBT OF 35/MONTH AND TAKING AMOUNTS OF 45-90 / MONTH FROM MY BANK IN THE FORM OF ACH DEBITS FROM CHECKS I MAIL AND NOT APPLYING IT TO MY ACCOUNT. I HAVE NO IDEA WHAT THEY ARE DOING WHO THEY ARE USING FOR THEIR ACCOUNTING BUT THEY ARE TOTALING SCREWING UP MY ACCOUNT AND NEED TO BE HELD LIABLE FOR THIS AS WELL AS MY CREDIT REPAIR. I WANT CREDIT REPAIR, RETRIBUTION AND IMMEDIATE ACCOUNTNIG MADE TO MY ACCOUNT .

Product_Or_Service: CREDITDesired Settlement: DesiredSettlementID: Refund

REFUND ALL FEES INTEREST REPAIR CREDIT REVERSE ALL INACCURACIES REVERSE ALL INCORRECT STATEMENT APPLY PAYMENTS RECALCULATE INCORRECT INTEREST. AUDIT ENTIRE YEAR STATEMENT WITH EXPLANATION FROM FORENSIC ACCOUNTANT .

Business

Response:

We have corresponded directly with our customer. If you would like to further discuss the resoluton, may I suggest you contact our customer directly.

Review: Citibank is sending another customer's checking, credit, and reward alerts to my email.

Since April 2014, I've been receiving alerts for another customer from Citibank. Ny Name is [redacted] and the other person's name that I've receiving alerts for is [redacted]. I've tried talking with customer service and fraud department since April 2014 and they still not able to resolve it. The excuse is that they cannot help me because they need to talk to [redacted] to verify his account.

The email alerts I received from Citibank for [redacted] includes:

last 4 digits of checking account

last 4 digits of ATM/Debit card account

last 4 digits of Credit Card account

full reward point and account number

reward purchase

his home address

low balance alerts

password reset

...

Again I've email Citibank fraud department with all the info and no response or follow up. I've send a handful of emails since April 2014.

I've also call the fraud department a handful of time and they tried to help but at the last time (today Feb **, 2015), they suggest I [redacted]'s phone and contact him directly.Desired Settlement: I hope they understand the severity of this issue. For a bank to send out personal information and alerts to someone that is not that account holder is wrong. I've wonder how many other people are affected. We hear about fraud and identity theft from hackers, this is a case where the bank is helping.

Business

Response:

We will be corresponding directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him/her directly.

Review: Overpayment of $1500.00 on 4/**/15, promises to refund monies within 17 days. One month plus & still have not received $1500.00 from [redacted].

Overpayment of $1500.00 promised to be returned to me within 17 days, has been over one month and no refund yet. Multiple phone calls, live chats, secure emails to no avail.Desired Settlement: Refund of $1500.00 to me for overpayment on my behalf. Not seeking interest due me.

Business

Response:

We are responding directly to [redacted] and she will receive the response via U.S. mail in 7-10 days. If you have questions or would like a copy of the response we would ask that you contact [redacted] directly for that information.

Review: Inappropriate Customer Service. Compromising Customer security and promoting potential identity theft concerns.

On Monday March [redacted] between 10:30am and 10:50 am PST, I contacted my [redacted] credit card to inquire about a charge and a renewed credit card. I spoke to a representative who could do nothing but apologize about not being able to help me. That CSR could not access my account for some unexplainable reason. Suddenly, I was transferred to another CSR in North Carolina. That representative immediately asked for my "personal password." I was confused by this because they are not allowed to ask for my personal password. They're supposed to identify me by asking for the answer to certain secret questions, which I previously set up. When I inquired about why they were asking for my "personal password" I was told that was the way it is. I was feeling suspicious of who I was speaking with after the transfer and believed it to not be [redacted] Credit Card services at all. Too many hackers and identity thief's are out there today and after this experience I decided something was wrong.

I then ask to speak to a [redacted], more precisely, someone higher up. The [redacted] whose name was [redacted] (or [redacted]) got on the phone and was immediately defensive and borderline rude. She kept interrupting me and would not allow me to clarify the situation and basically was unhelpful. I never raised my voice or said anything inappropriate. I even asked about the language to be certain I understood what they were trying to ask of me. I thought maybe it was a matter of semantics and language. This [redacted] would not acknowledge that to be the case, which made me feel hesitant to release any information to these "representatives."

In any case, [redacted] refused to neither help me and clarify my concerns nor solve any issues. She was quick to let me know that everyone followed a script and they have to ask the question as it is written. I understand this to an extent, because I worked in Customer Service as a [redacted] for 13 years. We had scripts, but were also taught to listen to the customers. After all, they may a reason for their questions. Not everyone calling in is out to scream, yell and lodge complaints. That was not the purpose of my call. All I wanted was clarification about the personal password request and conduct my business accordingly. I did not get to conduct my business. I did not get answers to the questions I had. All I was told by this [redacted] was that that's the way it was; reading the script verbatim and asking for customer's personal passwords. In my opinion, this was utterly ludicrous. This is exactly how identity theft begins. I realized [redacted] was not going to assist in any formidable way, which is a shame. I simply said thank you and have a nice day before hanging up. I was not about to get involved in a hacking situation or breach of security issue, especially not knowing for certain who I was actually speaking with.

I wanted to report this because I do not believe I was represented well by [redacted]'s Credit Cards services. And I do not want to see other people have their personal account information compromised toward the possibility of identity theft.

These representatives forgot that they are a consumer as well and they didn't provide good customer service. They did not care and put my personal account in jeopardy. In the end, I did not believe I was talking to the credit card company and if I was talking to the credit card company then they should probably go back and review that call center location in North Carolina and the practices they have written into their script, which promotes jeopardizing customer accounts.

What concerns me is that [redacted] did not protect me or was concerned with my personal security at all and it brings to question things such as a lack of professionalism, identity theft and good customer service skills. I also seriously question their business ethics and will consider changing myDesired Settlement: Appropriate identification processes for both CSR's and Customer. Change in policy to promote stronger security without threatening the Customer. Altering CSR scripts accordingly to avoid asking for sensitive security information that may lead to identity theft. Serious apology for poor service.

Business

Response:

We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him/her directly?

Review: 20 yrs being loyal customer & always paying on time after paying my account off they cancelled it with out notice & took my 26995 reward points earned

all I would like is to redeem my reward points that I earned for sears gift cards that's a horrible way for them to do me after 20 yrs of loyal service always paid on time ALWAYS i'm a single mom of 3 girls and have a hard time making it and was hoping to redeem points for a gift card to go towards a ice boxDesired Settlement: 26995 reward points to redeem for sears gift cards

Business

Response:

We will be corresponding directly with the customer as Citi has not received authorization from the customer to release information to your office.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and give you permission to to review my information with citi so you can review the account

Sincerely,

Review: [redacted] Credit Card provided misleading information and failed to notify me of new card that was never received, could not use website to pay bill.

Recently, I noticed that [redacted] has been attempting to call me on an old number to apparently collect on my account. After logging into my [redacted] Credit Card Account, I noticed that a statement reads this account has either been changed to a new number or has been closed. The current balance on the account states $0. This is the same message I received back in May of 2014 when I last checked my account. After seeing this message in May 2014, I thought that my account was paid in full (considering it stated current balance zero), so I took no further action.

After calling [redacted] Customer Service on 9/**/2014, I discovered that my account was over 100 days past due and I had a balance of over $100 remaining on it. The [redacted] who originally received my call advised that [redacted] had issued me a new credit card and number, which I did not receive in the mail. After advising the [redacted] that I did not receive any card, she became combative, so I requested a [redacted]. The [redacted] who took my call ([redacted], #[redacted]) stated that I should have received my new card in the mail and that the balance due status on my account should state the specific amount that was owed, not the current $0 which is shown in the screen shots below. [redacted] advised me to send in screenshots and a synopsis of my dispute to the aforementioned fax number.

After calling to check on my dispute today, [redacted] (ID [redacted]) advised me that I cannot file a dispute based on interest charges and argued that I should have called [redacted]. Once again, I advised her that my account showed a $0 balance and I was never notified of the change in card, or received a new card. She told me that is was my fault and then provided yet another phone number in the plethora of numbers this company provides in order for customers to never receive an answer or resolve a dispute. Alternatively, I suppose the [redacted] I spoke with last week provided false information if what [redacted] stated is actually the case.

To [redacted], please resolve this immediately. I understand that my account was sent to the credit bureaus, which obviously is infuriating considering I never received notice that my account was closed/changed. Moreover, after checking my online account several times, the information on the website was always a zero balance due since I issued my last payment. How exactly am I supposed to pay on a debt that I literally cannot even pay per your website?Desired Settlement: Eliminate all interest charges and restore any negative credit reporting to credit agencies. This is not about money, I will pay the balance that was owed originally, but not the interest and credit card pain imposed on me due to [redacted]'s incompetence.

Business

Response:

Thank you for your communication regarding [redacted]'s [redacted] Plantinum MasterCard account. Due to privacy concerns we are unable to release customer information to the Revdex.com. We will respond directly to [redacted] within the next 7-10 business days.

Review: I signed a contract in the [redacted] store in [redacted] for 11.99%. Realizing after some time I was paying 28.99%.

Ive spoken with [redacted] hes repeatedly said hes taking care of it. After a couple months nothing has happened, my bill is still showing a 28.99% interest rate. This has been accruing for 6 months and I have not received any help from either party, credit center or [redacted].Desired Settlement: I would appreciate that my balanced would be refunded the extra money that Ive paid towards my principle. please help

Business

Response:

We have corresponded directly with our customer. They should receive our response within approximately 7-10 days. If the Revdex.com would like to further discuss the resolution, we suggest you contact him directly?

Business

Response:

We responded to the customer on 05/**/2015. The customer should allow 7-10 days to receive our written response. Should the customer have additional questions or concerns, they can direct those to the address listed in our response.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: Citifinancial is reported charges on my credit report. I have tried to call Citifinancial to dispute the charges. My credit report shows a charge of $9,788 from Citifinancial. I have tried to call Citifinancial to get more information about this charge. Citifinancial has a recorded message every single time I call saying that "You have called outside our normal business hours, call again later". I always get this message even in the middle of the day on a weekday when they are supposed to be open. I am trying to resolve this issue on my credit report. Citifinancial has not sent me any documentation verifying the charges and I cannot get a hold of someone at citifinancial to dispute the charges.Desired Settlement: I want this charge removed from my credit report. Citifinancial has failed to sunstantiate the charges and will not contact me to discuss the issues.

Business

Response:

Dear Dispute Resolution Services:

We are in receipt of your correspondence dated September *, 2013, regarding [redacted] CitiFinancial account and we appreciate this opportunity to address her concern. We have had an opportunity to research the issues raised and offer the following response.

Our records indicate that [redacted] obtained a personal loan with CitiFinancial's [redacted], Pennsylvania office on May ** ,2008,with a principal balance of $6,997.56 and was assigned account number [redacted]. Subsequently, [redacted] account was charged off and transferred to CitiFinancial's Centralized Recovery Center and assigned account number [redacted]. For your review, I have enclosed a copy of [redacted] Disclosure Statement, Note and Security Agreement.

Please note that a charge off is an accounting transaction used by a company to write off an apparently uncollectable debt. The charge off of a debt is reported to credit reporting agencies. However, charge off does not mean that the obligation/debt is paid off or forgiven . The borrower is still obligated for the repayment of the outstanding debt. Should [redacted] have any questions or want to make payment arrangements on her account, she may call our Centralized Recovery Center at ###-###-####. Please be advised that if there are no available lines, the recording will state that they are closed. However, we ask that [redacted] keep trying as the center might be experiencing a high call volume.

Should you or [redacted] have any additional questions or comments concerning this specific correspondence, please feel free to contact me at ###-###-####.

Resolution Specialist

Executive Response Unit

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

That loan was completely predatory. I would compare it to a [redacted] or some other type of shady deal. That interest rate is 23.70% which is ridiculous. Why should I have to keep calling the recovery department to get them to make payment arrangements. No one ever answers the phones in the recovery department and I will not sit around all day dialing the recovery dept's phone. Citifinancial also added outragous fees on my account. If the debt was written off with the IRS, and you're still expecting me to pay this ridiculous balance; isn't it equivalent to getting paid twice. You got your tax credit for the bad debt. As far as I can tell, you already got credit for the balance. I don't know owe Citifinancial any money. They already got credit for the debt.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above

Sincerely,

Business

Response:

Please see newest respone.

Please be advised that CitiFinancial’s position has not changed. Please accept this as our final response on these issues. We consider this matter closed unless you have any new issues you would like CitiFinancial to address. In the absence of any new details, we will not respond to additional correspondence that largely repeats that same information as your prior correspondences.

Thank you

Dear Dispute Resolution Services:

We are in receipt of your additional correspondence dated September **, 2013, regarding [redacted] CitiFinancial account and we appreciate this opportunity to address her concern. We have had an opportunity to research the issues raised and offer the following response.

As stated in my response dated September *, 2013, our records indicate that [redacted] obtained a personal loan with CitiFinancial's [redacted], Pennsylvania office on May **, 2008, with a principal balance of $6,997.56 and was assigned account number [redacted]. Subsequently, [redacted] account was charged off and transferred to CitiFinancial's Centralized Recovery Center and assigned account number [redacted]. For your review, I have enclosed a copy of [redacted] Disclosure Statement, Note and Security Agreement.

Please note that a charge off is an accounting transaction used by a company to write off an apparently uncollectable debt. The charge off of a debt is reported to credit reporting agencies. However, charge off does not mean that the obligation/debt is paid off or forgiven. The borrower is still obligated for the repayment of the outstanding debt. Should [redacted] have any questions or want to make payment arrangements on her account, she may call our Centralized Recovery Center at ###-###-####. Please be advised that if there are no available lines, the recording will state that they are closed. However, we ask that [redacted] keep trying as the center might be experiencing a high call volume.

In reference to [redacted] claim that this loan was predatory, CitiFinancial respectfully denies this claim. CitiFinancial's policy ensures that our branch employees explain the loan terms and conditions to each respective applicant. To ensure the applicant understands these conditions, the borrower is required to initial each page of the loan documents, acknowledging the terms were understood. If,at anytime during the loan application and/or closing process, [redacted] did not agree with the disclosed terms of the loan, she had the option to withdraw the loan application and not sign the loan documents.

Please be advised that CitiFinancial's position has not changed. Please accept this as our final response on these issues. We consider this matter closed unless you have any new issues you would like CitiFinancial to address. In the absence of any new details, we will not respond to additional correspondence that largely repeals that same information as your prior correspondences.

Should you or [redacted] have any additional questions or comments concerning this specific correspondence, please feel free to contact me at ###-###-####.

Sincerely,

Resolution Specialist

Executive Response Unit