Citi

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

Business

Response:

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

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

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

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

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

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

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

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

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

Business

Response:

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

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

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

Business

Response:

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

Consumer

Response:

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

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

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

Sincerely,

Business

Response:

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

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

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

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

Business

Response:

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

Consumer

Response:

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

[Your Answer Here]

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

Sincerely,

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

Business

Response:

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

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

Business

Response:

We will be corresponding directly with the customer, as Citi has not received authorization from the customer to release information to your office. Please allow 7-10 business days for the consumer to receive our response.

Consumer

Response:

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

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

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

Business

Response:

[redacted]

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

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

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

Business

Response:

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

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

Product_Or_Service: Carpet

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

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

Business

Response:

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

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

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

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

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

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

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

Thank you for your attention to this matter.

v/r

Business

Response:

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

Review: I was sent to collections without proper notification.

We were sent to collections by Citibank without being given fair notice. There has been a HUGE misunderstanding on how Citibank handled the school loans. They sold some of them to Discovery and apparently kept some of them. When I talked to a manager at the Citibank San Antonio branch she told me that they sold all the loans and no longer have a student loan department. We received a couple of letters from Citibank dated 8/**/2013.

I talked to [redacted] #[redacted] on 8/**/13 at 2:50pm. I explained to her that we had a loan deferment letter and I needed their form in order to FAX everything to them. So we could defer the loan for one year. She said she would send one to me right away. I haven't received a form yet. So I called Citibank today 9/*/13 and talked to [redacted] #[redacted]. She said the form was not sent to us because there were a couple of co-signers on the loans and they did not know who to send it to ( All the loans have the SAME address) . Since they did not get the paperwork they sent us to collections. I told [redacted] that I didn't think it was right that they send us to collections without contacting us first and not giving us the time to take care of things. I have paid the payments to keep us current until things have been corrected and deferment status is updated. She told me I needed to contact the Revdex.com and they would in turn contact the bank and take this off our record.Desired Settlement: I would like this action to be removed from my credit report.

Business

Response:

I am writing in response to correspondence received from the Revdex.com regarding your student loan account.

A review of your account shows that loans 20,21, and 22 and were by discover and were transferred to Discover on 10/**/12. Citibank still owns and services loans 23 and 24. Please accept our apology for any misinformation you may have received.

We received your request to defer your loan payments due to your residency program. An administrative forbearance has been approved for the period 07/**/13-06/**/14.

According to our records, your credit is being correctly reported to Experian, Trans Union, and Equifax as current paid agreed. If your have obtained a recent credit report. Which reflects different information, Please send us a copy of the report and we will make any necessary corrections.

If you have any questions or need additional information, Please contact me at [redacted], Monday Through Friday front 7:00pm - 2:00pm, Central Time.

Sincerely,

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,

This complaint has been resolved adequately. Thank you for your assistance.

Review: I did not open an account with Citibank/[redacted] and they bought the account from [redacted]. I disputed the account with [redacted] and they have deleted the account from [redacted], [redacted] and [redacted]. Citibank is reporting account #[redacted] for SSN: [redacted] on [redacted], [redacted] and [redacted]. I am requesting there right to collect on the debt. Please consider this letter a formal complaint regarding select information contained in my credit report. I am advising you that the information you are reporting is inaccurate, incomplete, and totally without merit. Please provide the following documentation to me at the address listed below:

1. A copy of any legal instrument, bearing my signature, which supports your basis for the continued reporting of this alleged debt.

2. An itemized accounting of all debits and credits on the alleged account for the entire history of the account.

3. The assignment or purchase agreement for the alleged debt between your company and any other entity.

4. An itemized accounting of the alleged debt after it was supposedly written off including all debits and credits.

5. Complete documentation of the amount that was written off for federal tax purposes.

Just to restate my request in more general terms: I am not requesting a "verification" of my mailing address. The fact you have my name and mailing address has been well established through numerous disputes already. I am requesting a "verification" of this alleged debt; that is, competent legal evidentiary matter that I have some contractual obligation to pay you the reported amount.

Under federal law, and as enforced by the [redacted], you have 30 days to complete your investigation and supply the documentation as requested. Failure to do so will constitute an unfair or deceptive act or practice in commerce in violation of section 5(a) of the [redacted] Act 15 U.S.C. 45(a).Desired Settlement: Deletion of this account from [redacted], [redacted] and [redacted] if you fail to provide me verification of your right to report this account on my credit report.

Business

Response:

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

They sent me a letter for a Citi Platinum Card Select and this is not what I am disputing. I am disputing a [redacted]/Citi account they bought from [redacted]. They are not addressing my complaint and they have been uncooperative in the past when I tried talking to them on the telephone. They are usually rude and do not address my issue.I want the Revdex.com to stay involved in this complaint. I refuse to work directly with them for the following reasons:1. They are sending me a letter for the wrong account.2. I have disputed this account numerous times with all 3 CRA's and they never fix nothing.3. The phone reps are unhelpful and argumentative.[redacted]

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. If you would like to further discuss the resolution, we suggest you contact him directly.

Consumer

Response:

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

Sincerely,