Citi

Review: I opened a Credit card with Citi. The particular card is called Citi Expedia Voyager. When I was purchasing a flight through expedia they advertised this card, saying if you opened the card right then and purchased the flight with the card, Citi would give you a $100 credit back to the card. It was a pretty clean cut advertisement. I even talked to somebody on the phone that tried to sell me on getting more credit on the card. I told them I was just interested in the discount and to open as is. I opened the card and got the credit with in a few days. Everything was great. But then a month after I got a call from Citi saying I owed 95$ on the card. Big surprise since I hadn't used it since the flight and I had paid off the balance.

They explained it was a a annual fee. First time I heard of an annual fee for the card. It was not on their advertisement and the person on the phone didn't mention it either. This is very sneaky and wrong. I'm sure it says it on the huge book/pamphlet they send you in the mail. But this is still after the fact of getting the card already.

I just think this shouldn't be allowed. They put in big that they give you $100 and don't even mention they are going to charge you $95. Why would anybody bother in getting this card.

I tried to get a refund through citi, but they said that was impossible. Instead they gave me the opportunity to make $30 en expedia points after spending $150 more on their card in 3 months time, spread out in 15 purchases. Not even remotely close to giving me the $95 backDesired Settlement: Refund me $95 and be clear with people when there is an annual fee, UPFRONT, not after the fact

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:

I have not heard from them yet. If they do contact me and resolve the issue, I will let you know

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

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:

Citi has sent me a letter. But not refunded the $95 annual fee. The letter says I was given the option to pick a card with no annual fee. But that is completely not true. They do point out that I did accept the terms and conditions, which is true. I'm sure it was somewhere in a huge long seperate page with the full terms and conditions. I don't deny that they wrote it somewhere. My complaint is that it should of been upfront in the advertisement. There are a couple important things people want to know when getting a credit card, and if the card has a annual fee it should be clear. They write in big lettering that you get $100 for signing up, but the fact that they charge you $95 to get the card is buried in the terms and conditions. This was very sneaky. I know they aren't going to refund it, but they lost a customer. Hopefully this complaint helps others to be cautious and read the fine print with Citi bank

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?

Review: As long as I have had my [redacted], it has been set up to automatically make payments from my bank account. I have never been late on payments. This past June, an annual fee was added to my previously current account balance. However, the automatic payment system did not act as it usually does, so the account became past due for several months. As a result, over $100 in late fees have been charged to my account due to the automatic payment system failing to function as expected. What is much more concerning, however, is that this has caused a severe delinquency to appear on my credit report.Desired Settlement: This problem occurred due to an error on part of the credit card company. I have paid off the entire balance due, which includes both the annual fee and the multiple late fees that have been charged. I am not concerned about having the late fees refunded. I simply want all negative information related to this problem to be removed from my credit report. I feel this is reasonable given the severe and long-lasting consequences associated with having the delinquency on my credit report, especially in context with the small size of the balance due and the fact that it was not related to irresponsible purchases.

Business

Response:

We are responding to the customer via U.S. Postal Mail on November *, 2015, and the customer should receive this response in 7-10 business days. If the customer would like to share this information they can provide a copy of our response to the Revdex.com.

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:

As you can

see from the attached letter, the business has done absolutely nothing to

resolve this simple problem that is due to a mistake on their part. They

continue to maintain that I never had automatic payments set up, which means

that they are either lying in order to take advantage of me or that they have a

computer malfunction that they are ignoring. I have always had this

account on automatic payments, and it is not clear to me why this function was

disabled without my consent. It would not have been that difficult for

them to just fix the credit report and let it go. These are extremely

unreasonable and unethical business practices, and I advocate for the most

severe possible impact on their Revdex.com profile.

Sincerely,

Business

Response:

We have responded directly to the customer on November **, 2015 via U.S. Postal Mail. He should receive this response within 7-10 business days.If the customer would like to share this information they can provide a copy of our response to the Revdex.com.

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: Hi,

I am a Citi credit card user. My credit card is the Citi Forward Card which should gain benefits from a rewards program called Citi Thankyou Rewards. However, since last May (or even earlier than that), I was prohibited to log into my Thankyou Rewards account for unknown reasons until now. I also couldn't redeem any of my points through phone call or any other approach. It shows failures for every time when I tried to access my rewards account. However, at the same time, my credit card was always working fine and my total rewards kept increasing through normal purchasing activities. So I could earn rewards but I couldn't redeem them! Now I have a total of around 13000 points earned but Citi doesn't allow me to touch any of them!

I've made more than 5 phone calls with Citi customer services in the previous one year time period (including one I made today). Every time I got the similar answer :"Your account is under investigation. There is nothing we can help at this time. We will send you a notice once we got a decision." But I haven't got any notice for ONE year! And they didn't even tell me why there was an investigation! Based on my guess, I am afraid that they won't give me a proper answer until the end of world. So I am asking you, the esteemed Revdex.com, for help. Hope you can help me communicate with Citi and provide me a solution for this situation. Thanks.

Best regards,Desired Settlement: I want Citi to unlock my rewards account immediately and allow me to use the points as it should be. And there should also be no influence on my normal credit card usages. Thanks.

Consumer

Response:

I have received a phone call from Citi Thankyou Rewards in reference to complaint ID [redacted]. I was told that my account had been unlocked and it is now back to normal. I tried and everything seems fine now. I believe the matter has been resolved. Thank you very much for helping me solve this issue.

Sincerely,

Review: I recently went on the Citi Thank You Rewards web site to look for a gift card to purchase with my Thanks You points. I was interested in a $25.00 B[redacted]d gift card that was on the site for a cost of 2500 points. When I added the card to my cart and proceeded to log in, the price of the card jumped 1000 points to 3500 for a $25.00 gift card. I then went on a live chat with a rep from Thank You Rewards who went on the explain to me that the cards start at 2500. I explained that, yes they do start at 2500 but when you log in and add it to your cart they are showing at 3500. She then said that is the amount of the card and that I have enough in my account to purchase. I know I have enough to purchase but that is not the point. The point is I do not want to get charged an extra 1000 for no apparent reason. She finally said she was sorry she could not help me. I also explained to her that I will be righting to the Revdex.com, and she said you can file a complaint on our web site. To make a long story short, my issue was not resolved. Please help! Thank you for your time.Desired Settlement: I would like to be charged the amount shown on their web site and not anything extra with no explanation as to why this is the case. It does not make any sense how 1000 points are automatically added to an item once you log in to their site. This is misleading. It takes a while to add up all these points with purchases and I do not want to be overcharged for an item I am interested in purchasing.

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: Refusal to reverse membership fee on deceased member's account.

My father passed away 11/**/14. I received a credit card statement for the billing period ended 12/**/14 showing a membership fee of $50 charged to his account for the period Dec ** to November **. I had notified Citicard of his passing prior to receiving the statement. When I attempted to have this amount removed, I was told that they could not do it since it was passed on to their deceased/probate department. When I contacted that department, they also refused to have it removed.Desired Settlement: $50.00

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], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

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]

[redacted]

[redacted]

[redacted]

[redacted]

[redacted]



[redacted]

[redacted]

[redacted]

[redacted]

[redacted]

[redacted]

[redacted]

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 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: 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 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 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 07/**/2015, I received a due diligence letter from Citi stating they have a $354 balance on a credit card under my previous married name, [redacted]. They didn't list specifically what it was for, but it is related to unemployment dating back to 2010. So on 07/**/2015, I completed the paperwork and sent my signature in my priority mail. The [redacted] lists on their website that the letter was received on 07/**/2015. On 08/**/2015, I called Citi at ###-###-#### to inquire about when the check was or will be mailed. According to Kirstie, the rep that I spoke with around 3:00pm, they do not have a record that I sent in the paperwork, although as mentioned previously, they received it by priority mail more than 7 days ago. Obviously, they have the paperwork and are just sitting on it. It shouldn't take this long to process the request, and I shouldn't have to spend another $7 to send another form by priority mail or have to file a claim with the state if it is processed as abandoned property. I say this because the letter is dated 07/**/2015, and it states that if they do not hear from me by 08/**/2015, they will be required to remit the funds to the state of my last known address, pursuant to abandoned property laws.Desired Settlement: They need to locate the paperwork and mail the check for $354. The priority mail tracking number is [redacted].

Business

Response:

August **, 2015 Revdex.comCase # [redacted] To Whom It May Concern: Citi® Prepaid Services received the complaintssubmitted on August *, 2015 from [redacted] regarding a prepaid cardissued by Citi Prepaid Services on behalf of Kansas Unemployment Payments. As a business that aims to provide a positivecardholder experience, we endeavor to resolve all cardholder issues in athorough and satisfactory manner. [redacted] states that she sent in her escheatmentdue diligence response to Citi Prepaid Services on July **, 2015 via prioritymail but when she contacted our customer service department, she was unable toconfirm that the document was received. Afterresearching [redacted]’s complaint, we have confirmed that Citi Prepaid Servicesdid receive the escheatment due diligence letter on July **, 2015. Wespoke to [redacted] on August **, 2015 and have issued a check to her addressof record for the full account balance. [redacted]

[redacted] may contact a dedicated service agent at ###-###-#### between the hoursof 9:00 AM and 4:00 PM EDT, Monday through Friday to discuss additionalquestions or concerns. Weregret [redacted]’s dissatisfaction with this situation. If the Revdex.comshould have any additional questions, please feel free to contact me at thenumber and information found below. Sincerely, Leanne J. K[redacted]Customer Service Manager, CSOperationsCiti® Prepaid ServicesCiti Treasury and Trade Solutions(P) ###-###-####(F) ###-###-####

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 a second mortgage with CitiMortgage Inc.My bill is due the [redacted] of every month.If they don't receive their money by the second day of the month,the phone calls start. I have caller I.D. and a number from [redacted] TX kept calling and I would not answer because I did't know who It was.The answering machine would pickup the call and who ever was calling would hang up.I hit the redail button and it came back to CitiMortgage.I spoke to someone there and they could not tell me why there were hangups.It keeps happening.I received 6 calls on 7-*-13 at 10:26 am/1:23 pm/2:50 pm/3:11pm/7:35 pm/and 8:10 pm.On 7-*-13 at 9:03am.On 7-*-13 at 8:53 am.On 7-*-13 at 9:16.On 7-*-13 at 8:47am/12:08pm/and 3:04 pm.On 7-*-13 at 3:50pm.The call on 7-*-13 at 8:47am also hung up when I answered it, so I redailed it and the automated answering machine told me Citi was closed at that hour. My question is, if the business is closed who is doing the calling? Why are they calling me so early on a Sunday if I can not speak to someone?Also, why does the caller I.D. only get the location of the call and not who's calling?How am I supposed to know who it is?To me, all these calls are harrasment and uncalled for.The phone number that keeps calling is ###-###-####. It hails from [redacted] TX.Thank you for taking the time to read this.

Business

Response:

To Whom It May Concern,

This letter is in response to your inquiry received on July *, 2013, regarding case number [redacted] for our clients listed below.

Mortgagors: [redacted]

[redacted]

Property Address:

[redacted]

[redacted]

We have investigated this matter and addressed [redacted] concerns with them via a letter dated and mailed July **, 2013. We have no record of receiving a signed authorization to release account information; therefore, we are unable to provide any details to you about our investigation. Please contact [redacted] directly if you require further information.

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 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: 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: 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 borrowed an amount of $5000.00 in august 2012 and according to the loan agreement I am supposed to make a monthly payment of $164.24 between the **and [redacted]of every month, which I was doing on time through the above mentioned company's website. But since the company's online statement and my bank statement started reflecting duplicate payments, that is I started seeing an extra payment amount of $164.24 besides the payment I made through their website I realized that the company is taking money out of my account without my authorization. I called my bank ([redacted]) and blocked onemain financial from taking money out of my account without my consent. After that I made online payments as usual and from their side attempts were made (even after they recieved my online payment) to pull money out of my account which ended up in vain (due to the block I put by calling my bank) and charged me $30.00 NSF for each attempt. According to their version of this issue they say that the payment amount of $164.24 that reflects on my statement is not valid because my bank denied it, which is a totally unethical statement since my bank statement proves that my payment went through. They are basically looking at the attempts they made to debit money out my account which was unsuccessful due to the block I put on their company. I spoke to one of their representatives in january 2014 and was told by her (Sonia) that by account is over paid (due to the duplicate payments) and I don't have to make any payments till march (which I did on time via online). Today (03/**/2014) I noticed that I owe them $426.00 for the the month of march 2014, including the 3 x $30.00 NSF which is equal to $90.00. I am being humiliated by their poor information technology and book keeping system. For all the information I mentioned above I assure that I will be able to provide solid proof to support my statements. I request the concerned person to kindly look in to this matter and resolve it at your earliest convinience.Desired Settlement: Stop the duplicate payments and update my account including taking off the non sufficient fund charges which didn't occur due to my fault. Thank you.

Business

Response:

[redacted] had made a double payment on his account in the months of

of June and July of 2013 on our website. In December 2013, January 2014 and

March 2014 his payments that he did on line were returned insufficient funds,

which caused the $30.00 insufficient funds add ons. Our office did not and does not have the customers bank information. All of the payments had been done

on our website by the customer.

Due to some confusion by the customer, we will however waive the $90.00 and credit the customers account.

Review: Being accused of non payment of a $ 70.00 charge on my bill. This bill was dated July of 2013. This was confirmed in a phone call to the creditor.I never recieved a statement fot the month of June, July, or August, because you only recieve a statement when some thing is purchased. I did NOT purchase anything in those months. My Last statement was in May for 49.00, which was paid, with no previous balance.Thus there should not have been any charges on my account.Another item to note is that [redacted] had my house number wrong. My house Number is [redacted], Not 2.as it reads on my application for a [redacted] card.This could have been the cause of this whole problem. The statement was probably mis placed in the hands of someone else. If someone else used my acct, I wouldn't know. If there was a casual carrier on these times when the mail was delivered wrond, I would not know.I just know I didn't recieve any more statements until the amounts were starting to get into the 200, 300 dollars.When I placed a call to HSBC to see what the problem was, the operator on the phone told me that he was looking on his screen and saw a purchase in July for 70.00. I said fine, send me the page you're looking at and If I made the mistake, I'll take care of it, if not it's on you.That page never got to me. The only pages that reached my hands were from Sept, Oct, Nov, Dec.It's like someone is covering up something. All this started happening when the Banks changed hands, The late fees kept piling up, while I've been making phone calls, and sending letters to try to clear up this mess. Like I explained to the very first operator, If I made the Mistake, I will take care of it, if not, It's on you. Plus when this is all over, I want nothing more to do with [redacted].All I asked for is the statement From July of 2013. What's the problem?Desired Settlement: DesiredSettlementID: Other (requires explanation)

Would just like to have this matter cleared up so I can get on with my retirement

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:

I have yet not recieved any satisfaction in this matter.

[Your Answer Here]

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

Sincerely,

Review: I contacted Citimortage to refinance my home in February. I was offered a 15 year loan at 3.625% interest, with NO money down and was told that they could close in 60 days. I was told I needed to pay a application fee of $105.50 which I did in March. I was also told that since I was refinancing that there was no income verification needed since my payment was only going up $30/month and that my history with Citibank did not have any negative marks or missed payments. Well over the last 4 months Citimortgage keeps asking for more and more personal and intrusive information. When I send them, they always come back with some excuse why they can't accept it. Now they are trying to change the loan, saying that due to me currently being temporarily laid off from work (I expect to go back in the next few weeks), that they will not honor the current agreement and are trying to force me into one of two other options. Option A, is put $3100 down toward the loan to get the terms already agreed on with no money down, or Option , do a longer 18 year loan, but at a higher 4.25% interest with no money down, which will in turn cost me an additional $12,000 in interest over the life of the loan. Both a completely unacceptable since we have already agreed, and I have in writing, the proposal for the original agreement. They are telling me that if I don't close one of the 2 new options in the next couple days the application will be canceled and I will forefit my $105.50 application fee. There are 2 illegal actions going on here. 1) Bait and Switch type of sales. Promising a loan, then changing in just before closing to try and exploit an additional $3100 or $12,000 in interest. 2)Theft by Deception. This had to do with the promise of a loan if I pay a $105.50 fee then changing the contract to force me to not accept and keep my $105.50.Desired Settlement: The best course of action here is to return to the original agreement, and close the loan within the next 30 days. However, at this point I feel that their actions are criminal and need to be investigated further, therefore I need to request that some of the options (negotiations) that I offered be considered.

Business

Response:

Business response. We are still working with the client at this time in order to provide them with resolution to their concerns. DH

Review: Back in June of 2013 I entered into a credit debt management program to help me get back on track in paying my debt that I owe. I was going through the divorce process at this time which was a very difficult thing to handle. I joined the program and the other credit card companies accepted the plan fairly quickly. Citi did not and we had to negotiate with them to get the desired amount the would be sufficient for them to accept the program. Since joining the program, I have made my payments but what I did not understand or realize was that city card does not re-age the debt, so I continued to have a late past due payment status and my credit report has been showing charge-off since October of 2013. When I pulled my credit report in July of 2014 I noticed this information and immediately tried to resolve the issue. I made multiple attempts at contacting Citi Card to which I was bounced from department to department in my attempt to clear my charge-off status as I was making payments as per the program.

When I realized I was past due $746.75, I wanted to make good on this as so that I would be reported as past due debt paid and current, which I did on Aug [redacted], 2014. I was told by a Citi Card associate that when I made this payment any future reporting would show me as past due paid and current.

I also filed a complaint with Citi Credit dispute unit

I called in today to check my status and the automated system noted my payment above and then continued to say that my past due was owed per amount above. I was transferred a few times and finally reached someone that told me I made the payment to the wrong dept and that even if I payed into his dept that the past due amount will continue to stay on the account and be reported as the charge-off. I mentioned to him that if I payed the past due owed that Citi Card should report me as past due paid and current but he said this was not possible. I find this incredibly wrong and unfair to people who attempt to pay their debtDesired Settlement: I would like Citi Card to remove the Charge off status or at least make sure that I am being reported to the Credit Bureau as past due paid in full and payments are being received as current and on time.

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.