Citi

Review: I WAS 1099 C ON TWO CREDIT CARDS AND THIS COMPANY STILL REPORTED OUT MY BALANCESS TO THE CREDIT BUREAUS AND STORED MY MEDICAL INFORMATION FOR OVER 1 YEAR WITH OUT MY KNOLAGE,Desired Settlement: I WOULD LIKE SOME ONE FROM THE OFFICE OF THE PRESIDENT AT CITI BANK TO PLEASE DELETE TWO CREDIT ACOUNTS FROM MY CREDIT FILES.

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. Please allow 7-10 business days for the consumer to receive our response.

Review: We cancelled this account after paying it off completely in February, 2013. We were very specific that the account be closed and that no further charges to this account were authorized. We received the usual interview regarding our reasons for closing the account, etc. A couple of months later, we received a late notice for payment. The account had paid some very small internet charges that we had missed changing the billing information on. I called the card company and they said that they had no record of us closing the account. I told them that we had paid it to zero and had most definitely closed it. I told them I would pay the small internet charges, but not any other charges including late charges since after we had closed the account, we had destroyed the cards and had stopped monitoring the account online and had not received any bills. They refused to reverse the late fees and also refused to close the account at that time and have been calling us and billing us each month while adding additional late fees on what was essentially an incorrectly charged late fee in the beginning. They claim an outstanding balance over $200 which is just late fees on late fees for an account that we had closed in February.Desired Settlement: I want them to acknowledge that our account was closed in February 2013 and to drop any fees that they mistakenly believe we owe. I want them to provide me with a letter stating a zero balance on the account and stating that the account is closed completely. I also want them to cease and desist calling us or sending us bills. I have sent them a letter to this effect as well.

Business

Response:

What kind of Citibank account is this complaint regarding.

Consumer

Response:

I have reviewed the question made by the business in reference to complaint ID [redacted], and the answer is: [redacted].

Sincerely,

Review: I have had this card for 9 years and never missed a payment. In 2009 they raised my APR to 29.9% due to "economy issues". Ok. Fast forward 5 years and I call customer service to see if there is anything they can do to lower this. Someone answers from the call center and I explain my issue. He was very understanding and apologetic. He puts me on a brief hold and talks to a co-worker to see what can be done. He gets back on the phone and lets me know at this time there is nothing he can do. He say I can call back in 30 days to see if anything can be done or I can talk to his [redacted]. I tell him I want to talk to his [redacted]. I get on the phone with [redacted] and she basically tells me the exact same thing. I ask her how is it that you can raise my APR with no problem but to lower it you can't do anything. Sh explains that there is nothing at this time that she can do. Personally if this is how they treat customers of 9 years. I will be transferring my ballance over to one of my other credit cards with a lower APR. I could understand if I missed payments or was always over my limit but neither on of these has happened. If you have a choice for a credit card stay away from Citi.Desired Settlement: I want my APR lowered. I don't have any credit cards with this extreme of an APR.

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.

Review: I made a purchase at a [redacted] on 3/*/15 for $969.86 for Blinds. When I went to check out, I had a 10% off coupon. I was told that I could select 12 Month 0% Financing or 10% off. I selected the 12 Month Financing. The sales associate informed me that I couldn't use the coupon in conjunction with the 12 Month Financing. When I checked my bill today, I noticed it was marked 6 month 0% financing, and not the 12 month. I called the Customer Service line on 6/**/15 and made a complaint about it being 12 months. The rep referenced the fact that the balance is almost paid off. I stated that if I had the choice of 6 Month or 10% off, I would of taken the 10% off. She instructed me to go back to the store and have them clear it with customer service.

Product_Or_Service: BlindsDesired Settlement: DesiredSettlementID: Billing Adjustment

I should be given the 10% off the original purchase per the coupon due to the fact that 12 month financing was not granted by the creditor.

Business

Response:

We previously responded to this customer on 07/**/2015. If you would like to further discuss the resolution, we suggest you contact them 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 January *, 2015, my husband and I ordered carpet from [redacted]. Three days later, on January **, 2015, we went again to the store. We changed the type of carpet, choosing a less expensive nap. We were given an invoice in the amount of $3.265.32. We paid in full at that time, using our [redacted] credit card. The carpet was installed in our home on January **, 2015.Over three weeks later, on February *, 2015, I received a notice in the mail from [redacted]. There was a handwritten note on an invoice, stating we owed a balance due of $709.35. I assumed there had been a mistake, and was going to call after I located our paperwork. However, before I could do that, I received a threatening phone call from a woman stating she was calling on behalf of [redacted], and demanding to know when I intended to pay the outstanding balance. I informed her we did not owe any money, that the account had been paid in full in January. On March **, 2015, I received another demand letter, followed by a letter on June **, 2015, advising me I'm being sent to a collection agency unless I pay up. This is unacceptable, and needs to be addressed.

Product_Or_Service: Carpet

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

I would like them to correct their records and leave me alone.

Business

Response:

This complaint is not associated with a [redacted] Credit account, issued by Citibank, N.A.This issue has been referred to The [redacted] Customer Care Team in [redacted] and we are responding to our customer via mail on July **, 2014 with contact information for that team. If the customer would like to share this information they can provide a copy of our response to the Revdex.com.

Review: I went on to the Citi website to transfer my reward money to my personal checking account. Upon going to the "transfer funds" page, it says applicable fee will apply. I proceed to enter my banking information and assume it will tell me the applicable fees BEFORE it processes my transfer. Only to find out that it completed the transfer without allowing me to know the amount I was being charged so I could change my mind. NO WHERE did it tell me that I was going to have to pay over $120 to have MY money transferred, or I would not have completed the transaction. I contacted customer service and was transferred on up the line of command to several different levels of management. I requested a refund since I was not told about the fees, or asked that the transfer be halted so that I would NOT incur the fees. I was told they would not do that.Desired Settlement: I want Citi Prepaid card services to refund me the $120.66 that I did not get the chance to approve before they completed the transaction. I want CITI to have to provide that amount to the customer BEFORE completing a transaction so that customer is not fraudulently out money because they do not ask for your authorization BEFORE completing the transaction.

Business

Response:

[redacted]

[redacted] To Whom It May Concern: Citi® Prepaid Services received the complaint submitted on April **, 2015 from [redacted] regarding a transaction fee that was applied to his Citi Prepaid Services card which was issued on behalf of TMHU Rewards. As a business that aims to provide a positive cardholder experience, we endeavor to resolve all cardholder issues in a thorough and satisfactory manner. Upon review, Citi Prepaid Services determined that the transaction fee percentage applied was disclosed in the terms and conditions that accompanied the card at the time of issuance. Accordingly, [redacted] was notified at the time of the transaction that “applicable fees” will be charged. At that time, [redacted] had the opportunity to review the terms and conditions/fee table reminder found on the cardholder website access. Citi Prepaid Services spoke with [redacted] on April [redacted] 2015 regarding this matter. We regret [redacted]’s dissatisfaction with this situation. If the Revdex.com should have any additional questions, please feel free to contact me at the number and information found below. Sincerely, [redacted]

Review: I am in receipt of a notification from a credit monitoring service of a notation of a late payment / closed account with respect to Citi Diamond [redacted] ending in [redacted].

I am writing with concern on this account because I have never received a credit card nor have I received any statements after transferring balances on the account in accordance with the Fair Credit Billing Act (codified at 15 USC § 1601 et. seq.). Further, I do not have online access to this account has again I have never received any of the above.

The account was opened on or around October of 2015 utilizing a 0% balance transfer offer which was transferred from a [redacted] Account ending in [redacted]. However, I have yet to receive any correspondence from Citi Bank. I have another account with Citi Bank to which I regularly receive information regarding that account it is in good standing.

I am writing to resolve this outstanding account as I maintain a good credit history with city (in excess of 5 years) and have outstanding credit with the exception of this account in which I received no correspondence regarding. My husband and I are federal employees in which my husband is in federal law enforcement in addition as an Officer in the Air Force Reserve. We maintain excellent credit and have never been late with any of our accounts, mortgages and other outstanding loans. The status on this account is an oversight as I have not been notified with any billing statements or even received any credit cards on this account.

I made a payment on the account in an attempt to “cease” any collection on the account (“$500.00), however, my intention is to resolve this matter in full and remove any credit notation as I was not properly notified in accordance with the FCBA and in the event I was notified of the payments due there would be no need for this matter. Additionally, I do not know the outstanding amount as I never received a statement. A few arrangements can be made to either; (1) bring this account in good standing as it was intended and as such please advise of any outstanding payments that need to be tendered and they will be tendered immediately; (2) we can close the account and tender the full amount on the account immediately. Again, our intention is to resolve the account to that of a satisfactory manner, however, it is vital that Citi adjusts its credit reporting records which reflect the lack of any correspondence from Citi to us which has prevented satisfactory resolution on the account.

I or my husband [redacted] can be reached at ###-###-#### or via email [redacted].

Thank you for your attention to this matter.

v/r

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: Sears mastercard issued by Citibank stole my identification and attached it to a card that does not belong to me!

My parents opened a Sears card in 1981. I would have been 11 years old. My father died in 1993 and my mother has used the card ever since. She has gotten into finacial difficulty and I proceeded to help her with her bills. I contacted Sears after I saw her statement with a 25% interest rate and noticed she was paying $46 per month for an Account Care benifit that helps you in these situations. I had to give my full information to get the details of the debt and benifits so that I could find out why that $140 of a $150 monthly payment went to Sears and only $10 was going to the actual debt. Shortly after this, phone calls started coming to my mother in laws house about this account and then it started showing up on my credit report. I am in the process of starting a company and I need my credit to be stellar which it was and now it has dropped to 730. I have made several calls and they are very unhelpful. Two nights in a row we were on the phone with them for over 2 hours. They cannot or will not provide me with the original contract for this account. They have no date of birth to verify. I am really angry about this and need it resolved IMMEDIATLY! Common sense should tell anyone I did not open this account when I was 11 years old. The secondary problem is I do not qualify for the Account Care benifit because I have no debt. I am stuck paying for something that is not mine to avoid the credit reporting. I have also reported this to the Consumer Financial Protection Bureau and have a case number. The email said the card company will be contacting me but I have heard nothing from them. I have contacted an attorney for advice on a suit and I am also going to write a letter to the Attorney Generals office. To many times in my life I have just let things slide but not this time. They cannot just collect data on a person and assume the debt belongs to them. That is a form of Corporate identity theft. Just because I started making payments about 6 months ago I am now responsible for the debt? I am concerned how many other people this has happened to?Desired Settlement: All of the problems are on me to correct. I have not received any helpful assistance from Sears. I do not know how long my mother has been getting ripped off for 25% interest rates and how long she has been paying for this Account Care. I can do nothing about that but she was qualified for this Account Care and they would not let her use it because it was in my name. I want my money back for all this WORK I have to do to clear my name. I want the benifit she has payed for to do what it is suppos

Consumer

Response:

[redacted] is on the card and the last 4 of the card are [redacted]. I didnt see a way to respond on the link.

Business

Response:

Dear [redacted]:

This letter is in response to the Revdex.com of New York complaint received on behalf of [redacted]. We received an inquiry from the Consumer Financial Protection Bureau (CFPB). The complaint was filed by his son to whom we responded. Please find a copy of the response enclosed.

If we can be of assistance in any other matter, feel free to contact our office at the telephone number listed below. Our office hours are Monday through Thursday, 9:00

a.m. until 6:00 p.m., and Friday, 9:00 a.m. until 5:00 p.m., ET. Our telecommunication number for our hearing-impaired customers is ###-###-####.

Sincerely,

Review: I made a purchase from [redacted] using their credit card. I paid off the item in full on the second bill. They said they received the payment 6 days past the due date and charged me 27.63. Now every month they are charging me that amount plus interest.

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

I would like the late charges dropped as I paid the amount owed in full. I would be happy to pay 6 days of interest on the full amount of the bill.

Business

Response:

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

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

Sincerely,

They have NOT contacted me via phone, email or US mail regarding this matter. I contacted them via phone and then I contacted the Revdex.com. So nothing has been done by the business to resolve this complaint. Thank you you for your help with this matter. [redacted]

Business

Response:

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

Review: I have opened a credit card with citi bank and there was a promotion that if I meet a $3,000 spending threshold within 3 months I will get 50 thousand [redacted] points . I actually met the amount but the last purchase was made on the last day of the deadline and when I called up the bank to ask what is with the points they claimed that the purchase was made on the day later even though I have proof that it was made the day before and they have told me clearly before hand that as long that the purchase is made before the dead line its enough even if its still pendingDesired Settlement: give me the 50 thousand points

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: I received a promotional offer from CitiBank offering an APR of 12.99% for a credit card.

I applied online, but nowhere did the website allow me to input the invitation number of [redacted].

When the application was completed online, I was given a confirmation of $8000 credit limit, with an APR of 15.99.

When I called to change this, I spent 20 minutes on hold to be told that I didn't qualify for the 12.99% offer due to my credit history, and that the offer is for APR starting as low as 12.99%. Nowhere on the invitation does it say, "as low as 12.99%".

I explained that I had an invitation number, but that there was nowhere on the website to use it.

I was told that I could call back in 48 hours to speak to customer service to see what could be done. I WAS SPEAKING TO CUSTOMER SERVICE!

I have a copy of that offer and will be glad to offer a copy of it.

My credit history has not changed from the time of the offer until today.Desired Settlement: I expect CitiBank to honor the offer that was sent to me initially, 0% intro APR for 18 months at 12.99% interest, with an $8000 credit limit.

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: made $50 payment to [redacted] Credit Card and it was applied to a recent sale with no promo period instead of the existing sale from 2013 w/ 24 mos.

I have $400 of deferred interest charges on the promo sale so [redacted] is apparently looking for me to not complete my payments by the due date so that they can charge for the deferred interest. I called to get the $50 payment applied to the promo sale and operator name [redacted] operator number [redacted] explained to me that they can only apply what is above and beyond the minimum payment to the promo sale. That is just plain sneaky.Desired Settlement: I would like that minimum payment and any minimum payments in the future to be applied to the balance of the sale from August of 2013 instead of the June 2015 sale. It makes no sense to apply any money to the most recent sale rather than the oldest. I definitely have learned my lesson and now know that if I have an unpaid promo that I should not buy anything else with that card until that sale is completely paid off. [redacted] has succeeded in sales prevention.

Business

Response:

We will respond directly to the customer within the next 7-10 business days. If you would like to further discuss the resolution, we suggest you contact them directly.

Review: My prepaid card is showing an inaccurate balance of -10.70 there should be 9.65 after a 30.00 load and a 20.35 purchase. Customer service is aware of issue spoke with supervisor [redacted] and supervisor in corporate [redacted] neither of which individuals solved the issue just said " sorry and hopefully by midnight the correct balance will show." This totally unacceptable so now I'm without funds without a clue as to when this will be resolved.Desired Settlement: Correct amount to be added into account.

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 was giving my credit card to pay for my friends bill, his name is [redacted](card number [redacted]) . He gave the phone to me and stated that the female on the line needed to verify my address. When I spoke to the female she was extremely rude and nasty. She couldn't hear anything I was saying. After I gave her my information she said the card was not valid, I stated the credit card was paid in full. She then stated they do not accept a credit card for payment, I then gave my checking account information and she stated that it was not authorized. I then gave another checking account information and the payment cleared. Throughout the conversation I was laughed at and treated like a joke. I am VERY CONCERNED that all my information will be stolen and she will use it! I stated as such to her and she laughed and stated that she didn't need my money that she had her own money. This is 100% not the way a customer service rep should speak to ANY customer, especially since I was doing my friend a favor and helping him with his bill. Furthermore, my husband and I are customers as well! We have several credit cards with your company and this is absolutely disgusting how I was treated. I demand that someone listens to the call from beginning to end. After I was done making the payment I asked to speak to a manager she puts on a male named [redacted] and he was just as rude. I asked if he was a manager and he stated that I reached the escalation department and it took me asking over 5 times if he was the manager. When he answered he stated that he deals with accounts. I told him I was in fear that she or him was going to steal my information and he stated if I was so concerned then I should cancel all my bank accounts and then hung up on me! I said excuse me and the call was not there anymore. I am appalled! What is the escalation department then? I demand the call to be listened to ASAP. And I want a call back immediately. I am more worried since my husband and I in fact do business with your company as well.Desired Settlement: I demand that someone listens to the call from beginning to end. I want a return call ASAP I want assurance the my 3 different accounts that I provided are secure and will not be used for any fraudulent activity. I want a verbal apology for how I was treated. I want assurance that all of my [redacted] accounts as well as my husbands ([redacted]) will not be tampered with. I also demand that the two individuals I spoke with be trained in the [redacted] as well as any and all customer service courses Citi provides.

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. Please allow 7-10 business days for the consumer to receive our response.

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:

Hello, I have not heard from Citi which goes against what they stated they would do. They have not called me to give permission for the Revdex.com to mediate on my behalf. They have not called me at all. There has been no attempt to rectify my complaint I feel as if they swept it under the rug. Thank you, [redacted]###-###-####

Review: I purchased a refrigerator through [redacted] credit with interest-free installments. Upon close inspection of my bill, I note that [redacted] has been charging me for debt protection that I did not authorize. It totals $167.39 at this point.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want the charge removed from my account immediately along with a monetary amount for my time involved with pursuing the refund in the amount of $100.

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 have determined that my complaint has NOT been resolved because:

I didn't authorize debt protection in the first place. [redacted] cancelled it, but didn't refund all the money they have charged to my account.

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

Sincerely,

Business

Response:

As stated yesterday, February **, 2014, we have mailed our resolution to [redacted] directly. We request that she wait 7-10 days to receive our response. She may share our resolution with you if she wishes to once she has received the letter.

Review: I got a $500 [redacted] credit card so that I could buy a new lawn mower. After selecting the mower online and adding it to my online cart, the total came to $520.08. I applied a $25 [redacted] gift card to the purchase so that I would not be over my credit limit. After reviewing my order, I clicked the Submit button. I received an email confirmation of my order the next day with a total of $520.08.A few days later I looked at my [redacted] credit card account online and I am now over my credit limit by $6.31. It seems due to an after-sale adjustment in sales tax, the total was changed to $531.31, an increase of $11.23.Why do customers review and approve one order total, only for [redacted] to change it without consent four days after the sale completed? I would NOT have approved this order, as it puts me over my credit limit.Why does [redacted] have difficultly in calculating sales tax which is a fixed rate? I'm sure there is "fine print" covering their ability to change the order total after the customer gives final approval, but this practice is not what I expect from a company such as [redacted]. At the very minimum, there needs to be a disclaimer that is placed in a prominent position on the order screen that informs users about this possible Estimated Sales Tax change and requires users to check a box giving their clear consent - not a one line statement buried in the fine print.I am trying to build my credit and this will place a negative mark on my credit reports for being over my limit. If this isn't penalty enough, I am also unable to make an online payment to my account so that I can bring the balance back under my credit limit because I have not received my first billing cycle yet - I have to wait 30 additional days to make an online payment.

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

The original order total should be honored, putting me back under my credit limit. I'll even take a discount, for dealing with this and putting forth the effort. Completed orders should NEVER have their Totals changed - if an after-sale change is absolutely unavoidable, then a disclaimer box placed in a clear and prominent position on the order screen informing customers of this possible change and requiring their consent with a check box is t

Business

Response:

Thank you for your communication regarding [redacted]'s [redacted] 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: Credit Reporting Department mistakenly removed my account from [redacted] Credit Report. This account has a 20 years better than perfect standing. Removing it from [redacted] report caused a lot of damage to my credit score. I am in a process of purchasing a home, and this issue is time critical. I was talking to Executive Response Unit, which handles high priority issues and they promised to re-report the account as soon as possible. As [redacted] still doesn't have any information from Citi, my calls to the representative are not returned, and the status of the re-reporting is not being investigated. [redacted] suggested that Citi should contact their Business representative at [redacted] and ask to trace back the request, however Citi is not returning my calls and taking this issue seriously. Their actions are costing me thousands of dollars of higher interest rates.Desired Settlement: Please contact your Business Representative at [redacted] ask to find out the status of the reported account and keep me posted regarding this issue at all times.

Business

Response:

Dear [redacted]:

This letter is to confirm our telephone conversation regarding your inquiries, which were forwarded to us by the Consumer Financial Protection Bureau and the Revdex.com, related to the reporting of this account to your [redacted] credit bureau report.

Because you previously indicated that you were no longer disputing the information being reported to your credit profile, we contacted the three consumer reporting agencies to request they remove the dispute comment from our entry. [redacted] inadvertently deleted the entire entry related to this account. Upon receipt of your signed letter requesting that the reporting be reinstated, we contacted [redacted] and the entry has been added back to your credit profile.

I appreciate this opportunity to respond to your concerns.

Sincerely,

Presidential Communications

Review: After not receiving statements for 2 months, the late payment was reported to all 3 credit bureau's and now I have a missed payment on my report.

On 01/**/15 I went online to check the statement of [redacted], since I did not receive a paperless statement in my email and knew a payment was due. I had a balance of $39.61 due on 01/**/15 which I paid $39.61. In February, again after not receiving another paperless statement, I went online and saw a balance of $66.61 and noticed I had a missed a payment and late fees. I immediately called the company and explained that I had made a payment on 01/**/15 and they stated there was no record of a payment made. They did notice that I was online last on 01/**/15. I checked the bank statement and no payment was taken out. I immediate paid $84.71 on 02/**/15 since it was due on 02/**/15, but an additional late fee was added since I made the payment on 02/**/15 and the statement closing date was 02/**/15. I feel [redacted] intentionally did not let me know by email that this payment was late to collect additionally late fees. I have never been late and have always had an excellent credit rating since 1971 of no missed payments.

I again called them and was on the phone 2 hours with a very nice customer service representative that did try to help me but a [redacted] never got on the line to speak to me and I was told per [redacted] ([redacted] by the customer service representative that it legally had to be reported even though it was 1 day off and I would need to contact the credit bureau to resolve the issue.Desired Settlement: I would like the missed charge taken off of the credit reports. I feel [redacted] failed to tell me that this account was overdue intentionally since not one email was received from [redacted].

Business

Response:

We have responded to our customer directly. If you would like to discuss the resolution, you may contact our customer 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:

The [redacted]® Consumer Credit Card View/Download Your Statement [redacted]

[redacted]

[redacted]

[redacted]

[redacted]

[redacted]

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I still do not agree, on 03/**/15 [redacted] removed the $25.00 late fee which would have been no late payments. On 04/**/15 Revdex.com contacted Citigroup and on 04/**/15 they put the charge back on the account after being contacted by Revdex.com, attached is the activity showing these transactions.

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

Sincerely,

Business

Response:

We responded to this customer on April **, 2015. It will take up to 7-10 days for them to receive the letter.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is at the point where no resolution can be made, after reviewing the information, [redacted] will not change their mind on removing the information from the credit reports, which is unfortunate.

Sincerely,

Review: I was offered a settlement on a [redacted] and took Citi's offer. I was told by the Citi Representative that my credit score would not be affected. However, my credit score fell from the high 700's to low 800's down to below 700 due to this account. I specifically asked the Citi representative if my credit score will be affected and he adamantly said, "no."Desired Settlement: My desired outcome is to have Citi contact the Credit Bureau and re-state my former account to the Credit Bureau as 'Account Closed' or 'Amended' as soon as possible.

Business

Response:

Dear [redacted]

This letter is in response to your correspondence received from your office on August **, 2013, regarding your case number [redacted] for our client listed below.

Mortgagor: [redacted]

Property Address: [redacted]

[redacted]

Upon receiving your correspondence, we reviewed the request. We have no record of receiving a signed authorization to release account information to your office; therefore, we are unable to provide any details to you about our investigation. Please contact [redacted] directly if you require further information regarding our correspondence that we mailed to his home, dated August **, 2013.

Should you need additional assistance regarding this matter, please contact the Executive Response Unit by telephone at ###-###-####, extension [redacted], Monday through Friday, 8:00 a.m. to 5:00 p.m., CT. Thank you.

Sincerely,

Executive Response Unit

Review: I applied for an American Airlines airlines miles credit card - Cardmember: [redacted] Application Id: [redacted], I was told by the customer service person that I was declined due to a delinquent CitiBank card; however, nothing is on my credit report and if they are holding their decision past 10 years I'm not sure under Fair Credit Act that's legal. I currently have no CitiBank cards and nothing derogatory on my credit report. I wanted the card for business travel miles, it can even be a prepaid card - I just want an American Airlines miles card as I will be traveling American every weekend, this would be beneficial to the company also. I would like more information on this delinquent CitiBank account that created a decline on my credit submission request.Desired Settlement: I would like an explanation of delinquent CitiBank card account and how to clean that up since nothing is on my credit report. Where is it showing up? Why and how to clear it? I want to know more about declining my credit application. It's not legal to hold an old account against me that is not on my credit report. I would like other options to get this card for my business travel. I would like the American Airlines miles credit card issued to me with a secondary [redacted].

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.