Citi

Review: I was suppose to paid $60 by [redacted], [redacted] (ph. ###-###-####) on 12-**-2014. When they sent the money, CITI Prepaid decided to short it and only give me $55. While [redacted] says that their records showed I was paid $60, CITI Prepaid claims I was only paid $55. I was told by the rep the they would be getting ahold of [redacted] to confirm the correct amount and fix the issue. Today (01-**-2014) I kept getting the run arounds and was told that they would've never told me they would call the company by a lady named [redacted] (Agent ID [redacted]). While on the phone today, I kept being placed on hold and bounced around to different agents with nobody wanting to fix this issue.Desired Settlement: Have what is owed to me without me having to argue over who is at fault or bouncing me around, Just call the company and verify what was suppose to be put in my account and correct it.

Business

Response:

[redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on January *, 2015 from [redacted] regarding a payment to his plasma prepaid card issued by Citi Prepaid Services on behalf of [redacted]. As a business that aims to provide a positive cardholder experience, we strive to resolve all cardholder issues in a thorough and satisfactory manner.

[redacted]’s complaint indicates he was to receive a payment of $60.00 on December **, 2014 for participating in the plasma program. Upon review, Citi Prepaid Services determined that the actual payment for December **, 2014 was $55 as received from the plasma center and posting to his account that day. [redacted] called our call center to inquire about that payment and was advised that Citi Prepaid Services posted what was received; $55 on December **, 2014.

Citi Prepaid Services spoke with the customer once more on January *, 2015 reviewing the payment history including the $55 payment on December **, 2014. [redacted] agreed that these payment amounts were correct and he did not have any additional questions or concerns.

We regret that [redacted] encountered 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,

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]

At no time did I tell anybody that the $55 was correct. What I said was that I was suppose to get $60 and only received $55. The rep took what I said and twisted it around to keep from paying the correct amount. Citi Bank kept sending me to the plasma center and the plasma center kept sending me back to Citi Bank.

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

Sincerely,

Business

Response:

[redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint response submitted on January **, 2015 from [redacted] regarding a payment to his plasma prepaid card issued by Citi Prepaid Services on behalf of [redacted]. As a business that aims to provide a positive cardholder experience, we strive to resolve all cardholder issues in a thorough and satisfactory manner.

Citi Prepaid Services informed [redacted] that the $5.00 discrepancy between what [redacted] alleges that he was expecting from [redacted] and what was actually loaded to his prepaid card is a matter that he should take up with [redacted] Plasma Center. Citi Prepaid Services explained to him that it does not determine how much value is added to a card, but rather follows its client’s instructions regarding how much money is loaded to a cardholder’s prepaid card. Here, Citi Prepaid Services checked its records and verified that [redacted] directed it to load $55 to the prepaid card. While Citi Prepaid Services urged [redacted] to contact [redacted]/Plasma Center, it has separately notified [redacted] of [redacted]’s contention that he is owed an additional$5.00 by [redacted]. [redacted] expressed appreciation for that and understands that Citi cannot resolve this issue. We will follow up with the payment center and provide any updates to [redacted].

We regret that [redacted] encountered 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,

Review: I sent an email with exactly this information to [redacted] a week ago, and have received no response:

On 09/**/2014 I purchased a kitchen stove at the [redacted] store on [redacted] in [redacted]. The salesman suggested two things that both caused problems. First, he suggested that we keep the electrical cord from our old stove to use with our new stove in order to save money. Second, he suggested I apply for a [redacted] card for an additional discount.

REGARDING THE [redacted] CARD

The salesman said that the card would have an annual fee. I don't want a card with a fee, so I declined. However, neither he nor his manager were able to stop the application from going through. I was adamant that I did not want the card. They called [redacted]'s and put me on the phone. The [redacted]'s customer service assistant first said she could not do anything but then agreed to follow up on it, though she would not give me her name or number to call back. I asked her to call me the next day and let me know the status. She never did. I asked the [redacted] to take care of it, and she said she would follow through. But I did not hear from her, either.

Later the next week, I called [redacted] to verify that the card had been canceled. The person on the phone assured me that it had.

The next day, I received the unwanted card in the mail.

The day after that, I received a letter from [redacted] saying my credit card application had been denied because of bad credit. Now I have a denied credit card application on my credit record, thanks to [redacted]. But I apparently also have a card I do not want.

REGARDING THE DELIVERY

Delivery was set for Thursday, Sept. **. I was told that the delivery department would call me the day before the delivery, and if the time was inconvenient, "They would be happy to reschedule for later in the day," I was told.

I got a message on the [redacted], saying the stove would be delivered between 11:45 and 1:45 the [redacted]. I called to change the time, but was told that was not possible. I had to leave work to be home when the stove was delivered. I work in another town, so this was problematic, and it was disappointing that the delivery schedule was not flexible, as I had been told it would be.

The stove was delivered on the [redacted], but the installers would not attach the old cord, they said used cords are a safety hazard, and they said if I did use it, it would void the warranty. They had no new cord for me to purchase. And the stove was creased when they opened the box.

I called [redacted] in [redacted], and expressed my frustration. I declined the offer to have a different stove delivered a week later, because I need a stove now. I proposed that I keep the stove--the damage is cosmetic. But I asked for a discount on the price of the stove, a replacement cord, and proper installation at no additional cost.

A [redacted] representative returned my call and agreed to my request, if I would come to [redacted] to pick up the cord. She said she would refund 10% (approx $63)of the price of the stove. She also said that the installers would return today to complete the job. Of course, I had to wait to find out when.

I picked up the cord.

I never got a call saying when the installers would come. I called the 800 number for [redacted] delivery and installation and spoke with someone who told me they would come on Friday, Sept. **, between 2 and 4:00. I came home and waited for the entire time. No one came, so I missed work a second day for nothing.

At this time. I have a creased stove, and I have installed the cord myself. I am not able to install the anti-tip bracket.

As of Sept. **, my [redacted] was credited with the $63 refund..

However, I am very unhappy and very serious about the credit card SNAFU. I want [redacted] to resolve it fully. Get rid of the account. Withdraw any record of credit refusal that affects my credit. And I want the refund promised to me. I want someone to commuDesired Settlement: I want them to completely expunge any credit card application and any damage done to my credit record. I want written evidence of this, since their verbal assurances have been questionable.

To quote my friend, who commented when I complained about this on [redacted], "[redacted] breaks my heart every time. I always used to shop there first, since for many years, they were mostly union-friendly, their Craftsman guarantees were unprecedented, and they had plenty of other respectable practices. But go

Business

Response:

Good Day All,

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

Regards,

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:

Citi's most recent letter to me says that they would waive the annual fee,

but the account still exists. I don't want it. I have said repeatedly

that I do not want it. I never authorized it. The [redacted] at [redacted]

said if I "cancelled" the account it would be bad for my credit rating.

I should not have to have any negative information on my credit rating

as a result of a card I do not want and refused at the time. Obviously

the sales clerk made an error in sending the application through, and it was compounded by Citi's refusal

to halt the process.

This is ridiculous. I just wanted to buy a stove.

?

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

Sincerely,

Business

Response:

Good Day All,

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

Regards,

Executive Response Unit

Review: I have an accidental death insurance policy with [redacted]. which was purchased through [redacted]. The premium is $14.05 per month and is billed to me each month by [redacted]. Each month the payment is posted after the Due Date and Interest/Late Fee is assessed. The Interest charged is usually $2.00, but the late fee ranges from $25.00 to $35.00 per month. Since my premium is payable in advance and Allstate does NOT charge interest or a late fee, I feel that [redacted] is using unscrupulous business practices in collecting these monies. I've had enough! I called and changed the billing of my policy today so I don't have to deal with [redacted] anymore. I wish I had done it many years ago!!!!! [redacted]Desired Settlement: DesiredSettlementID: Refund

I would like a total refund of all the interest and late payment fees that I have been charged since I purchased the policy.

Business

Response:

Good Day All, We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him/her directly? Regards,[redacted]Executive Response Unit

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: 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.

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 have had a [redacted] Credit Card for three years now. It had a low $500 limit which I did not mind since I do not frequent [redacted] as there are otheroptions closer. [redacted] recently increased my credit line to $1500 which I did not ask for nor did I receive information regarding the increase. I received a letter in April stating that if I do not use the card byJuly *, 2015 they would close my card. Two days after I received the letterthey closed it, this was WAY prior to the July * deadline. I called the same day and spoke to a rep on the phone who said they would reopen the card since it was closed early and for me to make apurchase to keep it open. She stated it would take two business days for thecard to reopen. Today, 5/**/2015, I tried to make a purchase at the store andmy card was declined. After calling in, they refused to reopen the card. Therewas no notification of the card being closed after I spoke with the rep who saidit would be reopened and she would escalate the issue to her [redacted].Another rep today informed me a [redacted] never saw the issue and they wentahead with the closure any way.The embarrassment and wasted time of going in there to shop and get to theregister to have the card declined with no warning is absolutely unacceptable. I have other cards that my limits have been increased, but [redacted] givesme $500 and says that is too much of a "risk". Please. I have never been lateon any payments, and I was planning on paying this in full any way. In orderto get a new card, they want me to reapply, which means another hit on mycredit. Not to mention they closed the account so that will hurt my credit aswell. I have had no bad payment history with them and I am not a risk. Theyshould not be able to arbitrarily close some ones account without at telling,or do it prior to the time frame they disclosed. They lied and are deceitful withtheir lending practices.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want either the card to be reinstated without another credit inquiry being placed on my credit, OR to REMOVE all history and inquiries from my credit history all together.

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: Hello, my name is [redacted] and I had an account with [redacted] account #[redacted] I was paying my bill as agreed then I started having some finical problems, I called [redacted] and told them I couldn't make this months payment and asked them is they could waive it. I had done this before and I wasn't trying NOT to pay them. I was told there was nothing they could do. Why? Why? I called you first and there's nothing you can do? Then I starting getting harassing phone calls as many as 5 TIMES A DAY!! Which is why I wrote the letter below and I HAVEN'T RECEIVED A REPONSE. LAST WEEK THE SHERIFF CAME KNOCKING AT MY DOOR TO SERVE ME WITH A JUDGEMENT/COLLECTION PAPERS. THIS WAS NOT NECESSARY, I WAS TRYING TO PAY THE BILL.I HAVEN'T RECEIVED A RESPONSE TO THE LETTER BELOW.xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx...⇄ **, 2014Regarding: Account # [redacted]Dear Citi and [redacted]:My name is [redacted] and I live at [redacted]. I ran into some financial difficulties a couple months ago and I called to asked if I could skip that month. Im not sure Why I wasnt allowed to waive that month. After starting the new agreement at $54.00/month I was doing very good.Its really sad that a person that is having some financial problems cant get a month or two pushed back after looking at the fact that they have been paying this far. If I cant get back on the SAME PROGRAM, please right my account off AND PLEASE STOP CALLING MY HOUSE 5 TIMES A DAY. PLEASE DONT TELL ME THAT ITS AN AUTOMATED SYSTEM, SYSTEMS ARE PROGRAMED, IT NEEDS TO BE CHANGED. NOBODY SHOULD HAVE THEIR HOUSE CALLED 3-5 TIMES A DAY.[redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

I WOULD LIKE THE JUDGEMENT / COLLECTION REMOVED FROM MY CREDIT REPORT AND BE REINSTATED AT 25.00/MONTH REPAYMENT PLAN.ORTHIS DEBT CANCELLED AND REMOVED FROM MY CREDIT REPORT AND I WILL N-E-V-E-R APPLY for [redacted] CREDIT AGAIN.Sincerely,[redacted]

Business

Response:

Thank you for your communication regarding [redacted]’s [redacted] Credit 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.

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 It is absolutely absurd that my Citicorp Card Services, Inc. can't respond to Revdex.com regarding this issue. Citi Bank would not be providing any information that isn't already PUBLIC INFORMATION. I received a letter in the mail from Citi Bank yesterday telling me that my acct was Charged OFF on 9/**/14. I sent a letter to Citi Bank (seeattachment) to the address provided to me by one of the customer service reps at [redacted]. Why didn't I receive a response? I sent the letter a full 2 months before my acct was charged off. Citi Bank would rather charge off my account, add a JUDGMENT to my credit report, sent it to a collection/law firm named [redacted] and [redacted], phone ###-###-####. Couldn't Citi Bank just say ((((We received your letter and thank you for contacting us letting us know you are unable tomake this month’s payment. We do see that you having been making the payment arrangements as agreed for approx. two years. However, please keep in mind that if you don’t keep these arrangements, your account will be changed off and will no longer be on our books and a judgment will be added to your credit report and NO LESS THAN 10 collection agencies/law firms will be contacting you to collect our money NOW their money. )))) After all [redacted], we Citi Bank, didn't get to be as BIG as we are by being concerned about little people like you!!!I wasn't given any options to resolve this problem with having my credit affected and a law firm coming after me.Citi Bank ~ please respond to the question below:-------Respond to my original complaint.-------If this has been charged off and added to my credit report as a JUDGMENT… why are collection agencies/lawfirms/sheriff dept. coming after me?-------Why am I being punished twice?]

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

Sincerely,

Business

Response:

We are corresponding with this customer in a letter dated January **, 2015.?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:

[Good Morning Citi, I requested to STOP receiving phone calls because I was receiving 3 and 4 phonecalls per day, PER DAY. Does that tactic work if the person is sayingthey don't have the money and your company continues? Miraculouslyafter 3 or 4 days the money appears? If that was the case, I would havebeen paid you by now! Frist, You also said in your letter that my accountwas turned over to Attorneys [redacted] and [redacted] and they didn't call either sinceI requested it with you, THAT IS REDICULOUS. I didn't want you to callbecause I didn't want to receive 3 and 4 calls per day. Second, the firsttime I had heard of [redacted] and [redacted] was in my Revdex.com complaint and when a SUMMONSwas left outside my door. I thought a SUMMONS was supposed to bedelivered via Certified Mail or Sheriff Service AND NOT LEFT OUTSIDE MYDOOR. How did they get in my building, I didn't let them in! That'scalled TRESPASSING, unless they were already in the building delivering anotherSUMMONS to another resident in my building.I don't remember ever receiving a letter from [redacted] and [redacted], the first timeI heard of them was in my Revdex.com complaint. May I receive a copy of that letter as well that was sent to me on August **, 2014? I still can't believe that I was SUMMONS to court over this, I was paying on my account as agreed and notified you when I needed to skip a payment. All I wanted was for the ROBO CALLS TO STOP. I'm having enough problems, I'm an adult lady making $11/hour. I know what you are saying, you should have gotten an education, well I have an associates degree, NOT good enough, well your right, I will work on that down the line.I was SUMMONS to court on Jan **, 2014. I called [redacted] and [redacted] on 1-**-14 spoke with [redacted] and made a settlement of which I'm still going to have a hard time paying. I still haven't received ANY PAPER WORK WHICH CONCERNS ME SINCE I WAS TOLD I DIDN'T HAVE TO APPEAR IN COURT ON JAN **, 2014 now that I have a settlement.It's hard to get ahead!!Thank You ]

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: 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 amassed some debt in the past on a citi card and as a result of a few delinquent payments had my rate raised to 29.9% I have worked diligently to get caught up and have actually reduced debt to half in the last 7 months. Over the past few days I have been in contact with citi requesting some form of reduction in the interest rates to help me continue to pay down my debt. There responses have been patronizing with complete refusal to make any reductions. I realize this problem started with me and I have demonstrated that I working to fix my issues, but in a time where our economy needs individuals to be able to better control debt and stimulate the economy, practices like the ones at Citi where they prey on the misfortunes of individuals like me and then will not even work to find reasonable solutions as their customers try to get back on their feet is beyond shameful.Desired Settlement: I simply request that my interests rates be lowered from the extreme of 29.9% to a reasonable rate in line with the averages (roughly 15%). I also want Citi to have to more openly disclose their dealings with individuals so that they are more accountable to potential consumers so that individuals can more carefully consider having dealings with companies whose practices may be detrimental to them.

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: 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: This company is making us pay a bill that is nothing but fees for over $50 and says they cant do anything about it.

My wife and I have been long customers of citi credit card company. We have paid our bills on time to the best of our ability. If we were ever late on a payment it was due to human error and never just unwillingness to pay. We have 3 accounts with Citi card and sometimes this can get confusing. One account that we have with them the last transaction made on it was at the first of August. When paying the September payment apparently we were 4 days late on a $26.$$ balance. We thought this payment paid the card in full. We have had no other transactions on this account since the first of September.

I receive a phone call the day after Christmas (12/**/14) from a foreign lady telling us we have a balance that is past due. We had no knowledge of this balance until that day. We called back to the card company as soon as we returned home to settle this matter. The representatives that we spoke to were not willing to waive anymore than $37 from our $88 statement that was nothing but FEES. When asking for a [redacted] we were given and escalation specialist that claimed they could not do anything about this either. When asking for a true [redacted] that could do something with the "system" we were told that no higher [redacted] was there and there was "No one" in the company that could do what we were asking (which was simply remove $25 more of fees).

My wife and I are VERY displeased with this company. I am currently on the phone with you attempting to cancel our card. Even this simple task is taken me more than 20 minutes to complete and is completely unacceptable for a company. The head ache of dealing with Citi cards is not worth it. This is a day I am suppose to be spending with my family and instead I am being forced to pay $50 + of charges that is nothing but fees and money in your pocket (all because of 4 days late pmt...)Desired Settlement: While I was on the phone with the last person I spoke with they SAID I was going to get back the $51.$$ payment that I had just made. I want to make SURE that this $ is returned to my account promptly. This is the only fair thing and I expect for this to be carried through.

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: 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: I opened my account with Citibank in 2012 and was approved for 4200.00. I have never missed a payment ever. I asked for a limit increase 9/** and was denied. They said my credit score was 600 something when in fact my credit scores were in the 700's. They used a score that was from the previous year and offered no explanation on why they weren't using current scores. My last statement balance was approximately 3800.00. Earlier this month I made a payment of 1000.00 bringing my balance to 2800.00. Today 1/**/15 I received a phone call stating they decreased my limit to 2900.00. My current credit scores as of 1/**/15 are 729, 714, and 710 respectively. They offered no explanation of this reduction and no explanation on why they aren't using current credit scores. They are falsifying information and that isn't fair to customers. I don't have any delinquent accounts which they are accusing me of having and haven't had any delinquent accounts in over 3 years. This is beyond criminal behavior!Desired Settlement: I would like my previous credit limit reestablished.

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 was sent a written letter still stating that I have delinquent accounts which I don't have have proof of and that my FICO score was low, which it is not! I am sick of them telling lies like this. They denied me an increase stating the same thing but I got an account with [redacted] bank. These people have horrible business practices as well as customer service

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

Sincerely,

Consumer

Response:

I had to email the letter back to them. They stated my credit was decreased based on my FICO score which they lied about, originally they said my Equifax score. They then said I had delinquent accounts. They asked me to confirm how much my rent/mortgage was and my yearly income. That's why I don't have a copy of the letter.

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: 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: [redacted] sent me an offer for 12 months deferred payment if I made a purchase over $400. I called [redacted] and spoke to a customer service representative who told me the offer is already activated. I specifically asked, "Is there anything else I need to do? I was told no, once I made the purchase it will automatically be deferred. I went ahead and made a purchase, but I wanted to be sure so I sent an email to card services. 4 days later no reply, so I called. I was told the offer was NOT ACTIVATED! I was in total shock and asked to speak with a [redacted] who came and the line, and I kid you not, very rudely said "There is nothing I can do for you, you didnt activate the offer". I asked him, dont you record your calls for "quality control purposes"? Can you go back and listen to my conversation with a representative. he said verbatim,"I absolutely will not". At this point I was done, because he CONFIRMED that I WAS SENT THIS FINANCING OFFER in the mail, but refuse to give me the offer because as he said the time has passed. Now, in the past 6 months, I have purchased a side by side refridgerator and a convection oven electric stove and several other small purchases which is all paid. I would tell anyone, DO NOT ACCEPT ANY OFFER [redacted] SEND YOU IN THE MAIL! DONTDesired Settlement: DesiredSettlementID: Other (requires explanation)

I would like my transaction to be put on a 12 month deferred interest just like I was told and mailed by [redacted] and confirmed by the rude [redacted] that they sent me.

Business

Response:

Good Day All, We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him/her directly? Regards,[redacted]Executive Response Unit

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: The charges they currently have are incorrect and they ctoninue to ignore my dispute requests

I have now sent my disputes to numerous government agencies and [redacted] will be fined for the violations they ctoninue to make on my account they have demanded payment and added numerous fees to my account without correcting any issues and incorrect chargesDesired Settlement: They need to clear the balance on the card they show including any and all fees they have added as these are incorrect and they are well over the 90 days allowed to correct these issues

They also need to remove the negative reports from my credit reports and files

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:

[Your Answer Here]

The issues are still not resolved I'm still getting numerous phone calls and collection letters and negative reports on my credit I have not received a response and still don't see anything

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

Sincerely,

Business

Response:

We have corresponded directly with our customer via certified delivery. If you would like to further discuss the resolution, may I suggest you contact him/her directly?Thank you,[redacted] 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:

[Your Answer Here]

I have not received any mail from the, at all. I have continued to file complaints and they refuse to assist and continue to lie they responded.

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

Sincerely,

Review: I paid 1,100 on mastercard from sears they wouldn't send me a statement or email for information my limit was 4000 after I paid the 1,100 my balance was the same. ive been so stressed out because of dealing with them I hade to get a loan to pay sears off. but I called them and reported the account had fraud charges to it. cause the amount I owed was more than the limit on the card after making 5 months of payments. then my sears card the blue one also has a balance that's more than the limit allowed. paying 2,000 limit now my balance is 2,250 after 5 months what the hell is going on & why cant they send me a statement. its a struggle just to pay my payment at the store like they don't ever want you to pay them off. they give you hell when trying to make a payment when all you want is the account # to pay them. the problem is they canceled my card when trying to return rings I paid 3,200 for. I want a refund on the rings as promised by the [redacted] before they canceled my card out. & tired of the run around games they play. im trying to get another loan to pay them off for the master card then I will never buy another thing from this RIP OFF company ever again. THE REFUND I WANT IS THE 1,100 I PAYED ON MY MASTER CARD THAT I HAD TO GET THE LOAN TO PAY THEM OFF & THEY DIDNT REFUND ME THE DIFFRENCE.IM MAD AS HELL.

Product_Or_Service: wedding rings/ mastercard

Account_Number: mastercardDesired Settlement: DesiredSettlementID: Refund

I WANT THE 1,100 THEY STOLE FROM ME & ALL THE PAYMENTS I HAVE EVER MADE IN THE LAST 5 MONTHS THATS 200 A MONTH ON the MasterCard STOLE FROM ME FOR 5 MONTHS that's 1,000 & THE 1,100 THEY STOLE they stole from me on THAT 1 PAYMENT. I WANT A FULL INVESTAGION CAUSE THIS ISNT RIGHT also the return of the rings as promised by the [redacted]. with the restocking fee as promised.

Business

Response:

Good Day All, We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him/her directly? Regards,[redacted]Executive Response Unit

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,