Citi

Review: I closed my check , saving and checking plus account with Citibank in March 2014, in June, I was trying to apply for auto financing and found that Citibank had reported " unpaid" balance on my credit report every month , made my score dropped below 600 .

I called many many time, and each time on phone for hours, they refereed me to fax my dispute to [redacted] , I did it back in April , waited for 2 months, no response, I called and faxed again in July , still no response . Below is the latest chat I have with a Citi Rep online , which she confirmed that the accounts I had were all closed with $0 balance :

A Citi representative will help you in approximately 0 minutes 4 seconds.

For your protection, we'll never ask you for passwords, PINs, User IDs, security words or any part of your social

security number during a chat. Other information may be required to help us verify your identity. This chat may be

recorded or monitored for quality purposes.

You are now chatting with [redacted].

[redacted]: Welcome to Citibank, my name is [redacted]. How may I assist you today?

[redacted]: hello there

[redacted]: Hello, [redacted].

[redacted]: Glad to have you on chat today.

[redacted]: I ve been calling for numrious time regards the same matter

[redacted]: I ve been trying to deal with this for month with citibanks

[redacted]: Okay.

[redacted]: May I know your concern please.

[redacted]: in March I had closed all my accounts except one of my credit card

[redacted]: Okay.

[redacted]: yet, I been getting collection reported to my credit report saying I owe money to an pre-existed account for $340

something

[redacted]: I logged on to my e-banking, both closed accounts still shown under my id but they are both with $0

[redacted]: and the line of credit account , witch I believe is the account that citi claimed I owe balance on , is shown $0

[redacted]: I called, I faxed my dispute form over to [redacted] TWO times

[redacted]: both I waited for 60 days, hear no response nor confirmation

[redacted]: yet every month , I still got an claim from citibank

[redacted]: this is really really stressful !!!!!!

[redacted]: I certainly understand your concern and know how frustrating it is.

[redacted]: Let me see what best I can do for you.

[redacted]: I even stopped by the branch which is right next to my house , and asked the banker who I closed the account with

[redacted]: she said nothing she can do at the branch but the account was shown closed , not negative, and I specifically went

into a branch to close the account and take care all the balance while I requested a new replacement for my credit card.

[redacted]: if nothing is resolve today , I will have to report to Revdex.com

[redacted]: it's been too much time, too much calls and too much waiting

[redacted]: I try to finance my car and it's damaging my credit !!!

[redacted]: Hello ????

[redacted]: Thank you for being online. I appreciate your time and patience.

[redacted]: [redacted], I have reviewed your account and see that the line of credit, checking account, savings account, and

checking plus have been cloced and the balance is $0.

[redacted]: You do not have any amount to pay.

[redacted]: I know , which is way I don't know what ese I can do to remove these bad reports on my report !!!

[redacted]: [redacted], you need to send a secure message to Citibank you get a immediate response.

[redacted]: you guys need to stop reporting and damaing my credit for balance that don't exsit !!!!!!!

[redacted]: I see, checking and savings account are closed. After closing the account, generally it takes 90 days to unlink automatically.

[redacted]: it's more than 90 days

[redacted]: also , I m not talking about closed account

[redacted]: I m talking about your company kept reporting to my credit report that I owe balance for these closed accounts !~!!!!!!!!!!!!

[redacted]: you are not addressing my questions and concerns

[redacted]: Are you referring to credit card accounts which are active?

[redacted]: no !!!!!!!!!!

[redacted]: you are not reading the chat !!!Desired Settlement: Immediately dispute and remove all wrongful negative collection on my credit report and re-send my credit report to all credit inquires for the past 12 months.

Business

Response:

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

Consumer

Response:

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

The company claimed that I was late to make payment on a closed account that is past due in Feb/March 2014, which I made a payment in their branch located at [redacted] and [redacted] The person also said I made a payment to cover the outstanding balance in July, yet I did not pay anythign in July, when I asked if they provide me detail regards the payment,s such as date, place and method of payment, they got nothing , instead, they asked me to " go home and find your payment receipt ". Finally, if I did paid the amount in July, why would they keep reporting negative late payments on my credit report all the way til this month, December 2014 ??? I reject the solution and request further investigations. Thank you [redacted]

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

Sincerely,

Business

Response:

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

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,

Review: Citi refused to investigate a legitimate billing dispute I have with a moving company which mishandled and destroyed the furniture in the process. Citi claims the the services were rendered and I can NOT file a dispute and refuses to investigate the issue with the business. Citi assigned the reference number [redacted] when I initially opened the claim and closed it soon after. I am unable to reopen the claim and the billing dispute department refuses to help in any way.Desired Settlement: I would like reversal of the charges or fair settlement with the moving company.

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 received a phone call from a Citi representative only to explain why nothing further can be done with my dispute. The agent offered nothing to resolve the complaint. I still disagree with the explanation presented and I was made aware that no further attempt will be made to reach my satisfaction.

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

Sincerely,

Review: My complaint is a reduced available credit on a [redacted] card due to a [redacted] protection plan on an item. The credit card had a zero balance.

I opened a [redacted] ( **) account in the summer of 2009. My available credit was roughly $2200-$2500. I was totally satisfied as customer at that point. I never missed a payment but I did have a 30 late once in the life of the credit relationship with the company. That payment was paid in full of course.To my knowledge ** never reported negatively on my credit account. I paid the ** Credit Card off in full in May 201*. At that point I had a zero balance on the card with $2200-$2500est. available credit. I also paid off a [redacted] Card at the same time which again no negative payment history there either. I noticed I was getting information in the mail from [redacted] and ** after the pay offs. [redacted] increased my credit limit due to superior credit history with the company. Meanwhile ** was billing me for a [redacted] protection plan ( [redacted]) ($1*.99/month) that I purchased along with my iPhone * from (**). I later bought another phone from [redacted] and purchased their warranty plan. The ** iPhone was turned in to [redacted] at the time of my new purchase. I then started getting phone calls from this number ###-###-#### I would answer and it would be a recording say " We are sorry we missed you please call Citi at ###-###-####. I honestly thought it was another credit card company trying to get me to open an account which was common after paying my cards off. July/Aug. In October I was debating about getting a new 60" in flat screen for my house, so I looked for my [redacted] mail to see what my actual credit limit was. I open up my** mail and it says I owe $56.01.That was a bit shocking considering I had paid the card off in May and made no purchases at all. "Maybe it is a yearly membership fee " I thought. Then I look at the detail and found out I had been charged for the ([redacted]) even after the card had a zero balance and I no longer owned the deactivated phone it was purchased for. What really disappointed me was that when I looked at my available credit balance on the card. My available credit was reduced to $350. I was furious. I called ** immediately to research the issue. When called them they told me it was for the ([redacted]) that was on my phone. I told them I no longer owned the phone and it was deactivated. I also ask how can the warranty be in place on a deactivated product? Then I asked why my credit limit was reduced when I never missed a payment on the account in 5 years? The rep transferred me to a very unprofessional ** Credit Services [redacted] at that time. Being an administrator myself I never lost my professionalism as I spoke to them. The [redacted] of the ** Card services told me to call [redacted] to cancel the protection plan to stop the billing. The [redacted] said ([redacted]) was a separate entity that ** uses to provide a service. He then told me there was nothing he could do about my credit limit reduction because that was handled by "Citi"Bank another separate entity that provides credit card service. I asked what I owed, he said $56.01. I said I want to pay that right now and close ** card if my credit limit is not reinstated. The [redacted] processed my payment and closed my account with no remorse. I then called [redacted] and cancelled my protection plan. Theu offered no solution to the issue as well. My credit score was hit very hard by this of course. I had a decent score upper 600's until now. My score is now 581. Due to "Citi"Bank being a credit provider for several stores this affected my [redacted] card. This card has not been activated but I was approved for $3000 in store credit and $1000 out of store credit. The out of store credit was reduced to $300 as a result of this issue with **. All that leads to my Dec. *,201[redacted] bill. $31.67. Again I am being charged for ([redacted]) ($1*.99) and a late fee of $15.65. I called the [redacted] and with spoke [redacted] and [redacted] to cancel wheDesired Settlement: I would like for the following to settlement to take place.

1. I would like for all negative credit reporting information sent to the credit bureaus on behalf of [redacted], City Bank or [redacted] to be removed from my credit report immediately. This should have an impact in my credit score improving immediately.

2. I would like to be able to reactivate my [redacted] card that I chose to close out frustration to be reactivated with my original credit limit since the actual [redacted] Store se

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 applied for a [redacted] Credit Card (MasterCard) at a [redacted] Outlet Location with the intent to use it to purchase my daughter's wedding dress and to take my mom on a last vacation before she dies (she is [redacted]. When I received the card in the mail I used it briefly to purchases gas, dinner and a pair of shorts for my son. I then went to [redacted] to purchase my daughter's wedding dress, veil and corset. The card was declined immediately and when the service department was called they said first that the card could only be used at a [redacted] store. This was not true I have a [redacted] department card this was a mastercard that I had already used. After unable to help I called back while my daughter was waiting (crying) to purchase her dress for her wedding. I was transferred to the fraud department overseas. The lady on the phone (unable to speak clear english) was rude and kept telling me my phone number didn't match the system. I said that I never gave a phone number when I applied so that would be true. I gave her my cell number and she said it doesn't come up and allow me to use it as your phone number. I told her I don't have any other phone numbers I just finished my divorce bought a new house and gave up my land line. She then said to give her the phone number of any relative with the same last name so it could verify the last name. That seemed ridiculous to me, why would I want my relatives to have my account information? So after she kept repeating the same script over and over I asked to speak to a supervisor. She said that I could not speak to a supervisor since I did not pass the phone verification. I decided to let the phone conversation drop and call in the morning when administration was open in the United States. They froze the account and I could not use the card at all and my daughter did not get her dress (which was the last on a discontinued style) I called the number given to me for direct line to the fraud department. The first person I spoke to was absolutely terrific and nice. She assured me we would get this resolved. I spoke to another person in the fraud department (operator [redacted]) from the Citibank [redacted] Department. She also asked for my number and I gave her my cell number. I told her I did not have a land line. The cell phones are under my mom's name she has all of us under her plan. I am in the process of having this account switched to me before she dies. The number came back that it was not assigned to someone with the same last name (which is odd since my mother's last name is the same as mine) I then reluctantly gave her my brother's phone number in Ohio and she said that did not work and now I would have to wait for a letter to come in the mail so I could send information to unlock the account. I had already booked rooms in Salem for the same weekend to take my mom on her last trip before she dies. I explained that to the lady and said that I could fax anything she needed at that time. She became very rude and said that is not how it works. When I questioned how this is wrong and that I have not experienced anything like this before she threatened to hang up if I didn't stop talking. This whole experience is disgusting. I am baffled as to why she told me that if I didn't send in or fax the information requested from the letter that it would remain reporting on my credit report. I asked why would it continue to report on my credit report if you suspected the account was opened fraudulantely? She became more irate and basically told me she wouldn't send me the information if I didn't shut up.Desired Settlement: My mother will be dead by the time anything is resolved and this will always be the story our family tells about that and my daughter's wedding. I don't think anything would resolve the horrible feelings myself, family and friends will have about the whole situation.

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 never been contacted by anyone in regards to this complaint.

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,

Review: [redacted] claims that had or have a balance with them,witch it is not true, to this date I have not receive a state meant, phone call, e-mail, or any notification from them ( [redacted]). I told them Im a victim of fraud. And the only response they give me is " we can not help you " and give me the run around with different # ( phone number )

Product_Or_Service: Credit card

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

I want a full refund of the amount I had to pay to uncore midland ( ###-###-####) (collector )and any negative credit by [redacted] to be fix ( to any and all agency).

Business

Response:

Good Day All, Please be advised that we are working with the customer and the Consumer Financial Protection Bureau (CFPB) in an effort to reach a resolution. Regards,[redacted]Executive Response Unit

Review: I have a closed account with Home depot. I have been trying to pay them off, but they keep charging me 29.8% interest each month even tho it is closed. My husband died 2 years ago and I am on fixed income. Plus I am charged $35.00 each month for late pay. Is it legal for them to be charging interest when my account in closed?Desired Settlement: DesiredSettlementID: Other (requires explanation)

$30.00 payments each month until paid off. l want them to stop charging me interest each month on this account. Each time I try to make a payment. I notice my balance increasing two fold.

Business

Response:

Dear [redacted]:

Your recent complaint filed on behalf of [redacted] has been forwarded to us for review and response. Citi, N.A. is issuer of the Home Depot credit.

We understand [redacted] has stated she should not be charged interest since her account is closed. Per the Cardmember Agreement that governs her account, the charges we add to a daily balance include purchases, interest charges and fees. We continue to impose interest charges until we credit her account with full payment of the total amount she owes us. Our records indicate the current balance on the account is $660.01.

She has also expressed concerns regarding late fees billed to her account. Our records indicate her statement dated July **, 2013 was generated with a Minimum Payment Due of $59.00 payable on or before August **, 2013. Because her account went unpaid until October **, 2013, systematic late fees were billed each month. These fees are in accordance with the Cardmember Agreement. As a customer accomodation, we have issued credit in the amount of $105.00 for late fees billed to the account. The credit is applied to the overall balance of the account and does not change the Minimum Payment Due.

Additionally, our records indicate her account is being billed at regular purchase Annual Percentage Rate (APR) of 22.99%. In accordance with the Credit CARD Act of 2009, her APR will be automatically reviewed twice annually. Our records indicate we reviewed her account in September 2012. Unfortunately, a lower rate is currently not available. If at any point in the future we do ofer a lower APR, she will be notified as appropriate.

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

Sincerely,

Review: Citicards has sent me multiple credit card offers over the past year. All of these offers involved earning [redacted] miles if you spend a certain dollar amount on a credit card. I signed up for a credit card offer in March and Citicards promised 40,000 bonus miles if $3,000 was spent in three months. I spent $5,000 in three months and they declined my miles because I had a previous account with Citicards. They were deceptively soliciting my business with no intent to ever deposit these miles. The employee I spoke to at Citicards was in agreement that their practices were deceptive and that they should do a more thorough job with their marketing campaigns of avoiding existing or previous customers.Desired Settlement: I do not want anymore marketing material from Citicards and ultimately would like these miles that I earned awarded to me.

Business

Response:

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

Review: As of my February [redacted], 2016, billing statement I have incurred a $26.00 late fee and also interest charge of $20.60 on my statement for my Citibank thankyou Preferred credit card. I have my account on automatic payments since I received this credit card, and my personal checking account has been debited every month in the amount of $25.00 on the due date.

I also was signed up with a 0% promotion when I obtained the card in July/August of 2015 with no interest until June/July of 2016.

The customer service agent advised that I have incurred interest charges since June 2015 on my account, and I was not notified of this, as I did not receive any e-mails on my account, nor written correspondence in reference to this matter.

I am being billed fraudulently for interest and also billed a late fee.

I spoke with Citibank credit card today and was informed that I never was given this promotion, which, is inaccurate and that my payments changed from autopay to recurrent, which, I DID NOT DO AND DID NOT AUTHORIZE TO MY ACCOUNT.

I also did not receive any e-mail notifications to my e-mail address about any changes regarding the above issue nor changes to my account. Nor did I receive written correspondence via mail, nor was I contacted via telephone regarding any such changes to my account.

I have paid my balance in full for the amount of $3467.38.

I was informed by customer service once the account was up to date in payments, I would receive a credit of my late fee and interest charges accrued.Desired Settlement: Credit of late fee and also refund/credit of all interest charges accrued to account since June/July of 2015.

Business

Response:

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

Review: I never received a fee schedule or terms and conditions with the envelope containing my Citibank prepaid card. I was alarmed to see that when I checked my balance I was being charged fees for which I was not aware of. I contacted Citibank prepaid customer service on August [redacted] 2013 and was advised that I would be contacted within 24 to 48 business hours. This did not happen. Instead I had to call back on September [redacted] 2013. When I spoke to [redacted] that day at the corporate support office I was told that upper management reviewed my complaint and stated that I was liable for the charges even though I did not receive a fee schedule or terms and conditions. I was then escalated to Corporate Support Supervisor [redacted] Employee ID [redacted]. When I told [redacted] about my situation she was very disrespectful and talked over me on numerous occasion after I requested her to stop. The supervisor then told me that its not the banks responsibility to provide me with terms and conditions or fee schedules. I am appalled at the very poor business practices occurring at Citibank Prepaid's Corporate Support Office along with their very repulsive customer service skills. What could be a simple fee reversal of approximately 13 dollars has now turned into a bigger matter. Citibank Prepaid is being very petty considering that banks such as [redacted] constantly reserve 34 dollar overdraft fees as a "courtesy."Desired Settlement: Refund fees approximentily 13 dollars

Business

Response:

October *, 2013

Revdex.com

Complaint ID [redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on September **, 2013 from [redacted], regarding his KED Plasma prepaid card issued by Citi Prepaid Services. [redacted] indicated in his complaint that he did not receive a fee schedule or cardholder agreement. [redacted] also indicated he received unsatisfactory service when he contacted our Customer Service Department.

We followed up with [redacted] in reference to his complaint on September **, 2013 and explained that the prepaid card he received is physically attached to the document containing his fee schedule. We also explained that the cardholder agreement is included in the sealed card package. [redacted] indicated his card package did not contain that information. In order to ensure [redacted] has access to his cardholder agreement and fee schedule a replacement card was issued to [redacted] on September **, 2013. In addition, a business decision was made to reverse fees assessed prior to September **, 2013. Credits applied to [redacted] account totaled $25.66.

During our conversation with [redacted] he also explained his concerns with the customer service support he received when he contacted Citi Prepaid Services. We have completed a review of [redacted] contact with our cardholder services department and have taken appropriate internal action to address [redacted] concerns outlined in his complaint and during our phone conversation.

If the Revdex.com should have any additional questions, please feel free to contact me at the number and information found below.

Sincerely,

Customer Service Manager, CS Operations

Citi® Prepaid Services

Citi Transactions Services

(P) ###-###-####

(F) ###-###-####

Review: Citi reduced my credit limit even though my credit score is still very good. I would like them to reinstate my previous credit limit.

Write something along these lines.

Twice now Citi has reduced my credit limit without good reason or reinstating it. Once in Dec of ** and once in Sept of '14. The 2011 one was due to "We have reduced your credit limit because your account with us shows 1 or more occurrences of late or returned payments in the last 6 months." I know I never had a returned payment and some/ not all of my mail was not being forwarded so there is a chance that maybe I was late. It states "We understand that a decrease in your credit limit impacts your access to credit and we want you to know that you may request a credit limit increase in the future. If you do so, we will evaluate your request based on the following

Six consecutive months of on-time payments

Account compliance with all terms of the Card Agreement

A review of you consumer credit report."

So by them lowering my credit limit it also causes my score to slip, if I want it restored, I will have to have them hit my credit with a hard inquiry which also causes my score to drop, hardly seems fair.

The 2014 one states, "This decision was processed by a credit scoring system that assigned a numerical value to various items on your credit report. The information did not score a sufficient number of points to maintain the previous credit limit. We have decreased your credit limit due to the following reason(s):

Derogatory public record or collection filed

Ration of revolving balances to credit limits too high

Recent derogatory public record or collection

Too many inquiries in the last 12 months."

When I called to tell them there was an error on my credit and I have NO "Derogatory or public record or collection filed" and NO, "Recent derogatory public record or collection." They said, "You can apply for a credit line increase." That is not what I want. I want my previous credit line reinstated as there are no negative items on my credit and my balances are actually lower than they have been in years. As far as my "too many inquires in the last 12 months" my husband and I were shopping for mortgages and a house. Every 60 days we had to reapply for a pre approval.

I understand banks need to mitigate their exposure but they are also doing things to pad their bottom line. By cutting someones credit line they show a higher percentage of usage which drops their score. Then if you want it reinstated they hit you with an inquiry which drops your score. Meanwhile the drops in score can and usually equal a higher rate thus padding their bottom line. Long and short of it, my credit hasn't gone down. At the time that they pulled it there was an error but that item was removed and now my credit is as strong as most all tier 1 customers.Desired Settlement: Reinstate my credit line

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 have made several phone calls to [redacted] at Citi Bank. She was the one that was assigned to this case at Citi. She has not returned any of my calls. Here is my call log:3/** at 7:42 pm3/** at 8:31 am4/* at 3:45 pm4/* at 6:13 pmI would like my credit line re-instated. I do not want my credit to be pulled again, as that will affect my credit score and I am trying to buy a house. Please let me know what you can do to take care of this matter.

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, may I suggest you contact him/her directly.

Review: My Citi Advantage Gold credit card was closed because of technical errors made by my bank. I was making an additional payment on top of an automatic payment. My bank, a municipal credit union, was more than a week late in updating account activities on their website, which caused a delay in payment as well as erroneous account information. Citi asked me to get a letter from the bank stating their mistake, but my bank would not print letters outside the pre-generated ones in the system. I am no longer with this bank.

I would understand if Citi closed my account because I had failed to make a payment that cycle, but I was sending additional monies on top of an automatic payment, which went through. In good faith, when I learned Citi closed my account, I paid a large lump sum and then in less than two month's time, paid the account balance in full. I don't understand why they would close my line of credit over technical circumstances that were out of my control. Plus, closing my account when I was proactively trying to pay off a greater portion of my debt, seems to punish the very action that banks should be nurturing.

I kindly request that you reopen my account.Desired Settlement: I would like my Citi Advantage Gold credit card reopened.

Business

Response:

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

Review: On 1/*.2015, [redacted] came out to my home to fix the garage door that went bad. After the service guy looked at what the problem was. He advised me that the springs were damaged and needed to be replaced. Too my understanding from calling them on the phone, the cost of the springs to be replaced would be $190.00 plus tax, plus 129.00 for the service call. I left my credit card with my father to pay the bill which should have been 319.00 plus tax which should have been 341.33 total. [redacted] charged my credit card 566.03, which is a difference of 224.70. I called [redacted] about the invoice and to know avail did would they fix the bill. Not only would they not fix the bill, the bill does not even give a break down of what was done, which would include parts and labor explanation. They have failed to honor the price that was given to me and have clearly taken advantage of the situation by charging me a price that they don't charge anyone else. I contacted my credit card company who is also [redacted] and initiated a dispute and to no avail did they fix the problem. I believe that both companies are working together to rip me off.Desired Settlement: DesiredSettlementID: Refund

I request that my account be credited 224.70 to reflect the amount that I was over charged so that I can be made whole from this experience.

Business

Response:

We will be corresponded directly with our customer, as we have received a duplicate complaint from another government agency. If you would like to further discuss the resolution, may I suggest you contact him directly?

Consumer

Response:

Issue is resolved as the other company has responded and has agreed to issue my refund. Thank you for your assistance.

Review: I purchased a lawn mower for my church using the church account that has been open for many years. The church name and address is as follows:[redacted], [redacted]I purchased a lawn mower for my church in July for $1599 that was posted 7/**/14, inv. # [redacted]. I was given a $79.95 discount at time of purchase. When I got the lawn mower to the church, it was defective and would not cut grass and had to be taken back. On the return, I asked about the 18 months interest free option because [redacted]'s right next door was offering this option at the time. The salesman called a manager up and she went into the computer and I was led to believe my order was changed to the 18 month interest free option. I was told that I could not get the discount with the 18 months interest free option so the manager went in and rung the entire order over, reversing the previous billing and taking back the $79.95 discount. She restored the original cost to $1599. The new invoice number is [redacted] dated 7/**/14. She then rung the order over on a new invoice #[redacted] dated 7/**/14 for the total lawn mower purchase price of $1599.When I got my August billing, I went into the store and told them about the 18 months interest free option. They called another location and they credited the interest back and I thought the 18 month option had been honored. Then I got the September billing and interest was charged again. I went into the store again and they called another location and I was told they were sorry that store employees told me that the 18 month interest free option was available. Their only remedy was for me to take the charge and transfer it to my personal [redacted] account. I told them this is not an option. This is the remedy they kept pushing for me to do and I refused to combine my personal account with our church non-profit account.

Product_Or_Service: Riding Lawn Mower

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

I would like for The [redacted] to honor the 18 months interest free option that was offered to me by their employees. I did not make a mistake, The [redacted] did. Now I am being asked to transfer their mistake to my personal account.

Business

Response:

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

Review: I am recieving calls and letters demanding payment on a stucent loan that has been paid. I have a letter from them stating that it is Paid I cosigned for my grand daughters student loan with citi bank. It was paid off in total. I have a letter from citibank dated July *2009 congradulating me on a paid in full loan. I have been recieving telephone calls and threatening letters stating I was overdue on payments. Today (8/**/2013) I recieved notice that $28,816.39 is due in full. They are trying to collect two times on this loan. (This bank has a rotten reputaion)Desired Settlement: The telephone calls and letters must stop. I have proof from this bank that I am paid in full. Threats of legal action will result in kind

Business

Response:

Dear [redacted]:

I am writing in response to your complaint that was received from the Revdex.com on 08/**/2013.

The letter you received in July 2009 was in regard to the paid in full Graduate Federal Plus Loan for the student [redacted]. The loan was disbursed on 08/**/2007 in the amount of

$9.000.00.

The collection calls you were receiving were in regard to the private student loan you co-signed for [redacted]. The private student loan number ** was disbursed on 09/**/06 in the amount of

$24,000.00.

Based on the information provided from [redacted] for [redacted], a deferment has been approved for loan **. The period of deferment began on 04/**/2013 and ends on 08/**/2018.

Due to the deferred status of loan **, it is no longer past due.

A letter has been sent to [redacted] to advise her of the approved deferment placed on her private student loan number **.

If you have any questions or need additional information, please contact me at ###-###-####. Monday through Friday from 7:00 a.rn. to 2:00 p.m., Central Time.

Sincerely,

CC: Revdex.com

Review: My husband & I started the refinance process with CitiMortgage back on 04/**/13, we have 22years @ 6.5 % interest rate on our current mortgage, we want to go down to 15 years @ 2.87% interest rate. They have contacted my place of work 5 times since last Friday. [redacted] has notified here upper management about this harrasment, but I guess it has gone on deaf ears. Last night [redacted] in one of your Missouri office, faxed to my public office fax my w-2's and tax information without notification that it was coming, so it sat on the fax all night with people in and out of the office all night, because we are open 24/7. If I did not call them or e-mail [redacted], I would not know what is taking so long with my refinance for 3 weeks @ a time. According to [redacted], all CitiMortgage had to do with refinance is verify employment and income, but they proceeded to run our credit report 3 times lowering our credit scores. They were not supposed to use our debt to income ratio, but they are taking it into consideration. They originally told us we would close between 45 & 60 days, then 90 days, now we will be @ 120 days 08/**/13. These are just a few of the issues we had with CitiMorgage. [redacted] keeps blaming the underwriter, who's name she would not give me. I have been getting the run around. At one point they were blaming [redacted]. [redacted] is another ball of wax. On 04/**/13, we went into [redacted] to pay mortgage and start the refinance process with [redacted]. I opened a joint checking & savings with my husband and we had the mortgage with Citibank. This qualified us for the CitiGold package, [redacted] was supposed to order checks for us and never did and did not set us up for the CitiGold package. I did not realize this untill 2 weeks later when I did not receive checks. It took 4 weeks to get checks. I deposited 2 checks that took 14 days to clear. When I signed up for the CitiGold package I was supposed to receive $400 in gift cards in June, but later found out that I would not have access to these gift cards untill August.Desired Settlement: I would like to close on refinance, a lower interest rate and no closing costs or fees associated with refinance.

Business

Response:

Dear [redacted]

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

Mortgagor: [redacted]

[redacted]

Property Address: [redacted]

[redacted]

We have investigated this matter and addressed [redacted] concerns with him directly via a letter dated August **, 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: My mother was lied to and taken advantage of and then threatened that her credit would be damaged. I would like to report elder abuse.

To Whom It May Concern:

My mother is ** years old and has [redacted]. Before we knew she had [redacted], she purchased a washer and dryer from [redacted]. [redacted] installed the washer and dryer incorrectly and left gas leaking in my mother's house for several days. My mother complained to [redacted], but the manager refused to do anything and threatened her that if they had to pick up the machines, she would be charged $200.00 for the pick-up. Worried and scared, she called me. My husband and I went to her house and immediately smelled gas. We called [redacted] and demanded that they remove the washer and dryer. We also called [redacted] and they sent a person to verify the leak, which they did and corrected. My parents could have died, and thank God they did not. My husband and I then called [redacted] and told them what [redacted] reported and verified in their paperwork. [redacted] said they would credit my mother's account and they would not charge her additional funds. They also asked her to make a $25.00 dollar payment towards her next bill. My husband and I were on the phone and can verify this statement. Within a week, my mother was diagnosed with [redacted]. Unfortunately, she was rushed to the hospital due to complications and remained there for two weeks. We moved her into our home and she began aggressive [redacted] and [redacted]. After coming up for air a month later and getting all her bills in order, we noticed that [redacted] charged her late fees because she only paid $25 dollars and not $27 dollars, even though the [redacted] manager said that was all she needed to pay. [redacted] sent my mother's bill to collections because she was a couple of days late, even though she was in the hospital and fighting for her life. We explained this to Collections and they said they didn't care and she had no protection in such matters. Is there anything we can do to highlight this type of abuse. It seems unreasonable to penalize someone for doing what she was directed to do by the manager, and then because she became horribly ill and was only a few days late that they would charge her additional funds and tell her it doesn't matter that she was in the hospital or unable to send her bills "on time" while she is fighting for her life.

I hope that you can help me help her and let these big businesses know that this type of consumer assault, particularly with elders that cannot advocate for themselves.

Problem Date: October**, 2014

Late fee rep: [redacted] with Citibank ID#[redacted] ([redacted] call center)

Thank you for your time and consideration.

Best, [redacted]Desired Settlement: Reverse late charges and clear credit.

Business

Response:

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

Review: Two accounts-personal & business. Both accounts were placed in collections in 2010. Both have sent cancellation of debt to me & the [redacted] late.

The accounts listed on both [redacted] debt cancellation forms 1099-C are for debts that were placed in collection in 2010. The debts were then sold to collection agencies before 2011. If Citibank wanted to have cancellation of debt it should have been done in 2011 or 2012 for their internal recovery.

They have not owned either debt for over 2 years and now they are using the recovery method to write off debt to the [redacted] and to cost me in taxes as it is not declared personal income for 2013 and 2014 respectively. They are not owed this write off by the [redacted] and I should not be paying taxes on a 4-year-old debt that Collection Agencies have been owning since 2010.Desired Settlement: I had to pay taxes on the amount in 2013 on the 1099-C. It raised my income to a higher level creating a higher tableau for taxes. 2013 cost me a minimum of $1,000 in taxes plus the additional money to the tax preparer.The one for 2014 will cost me at least $1,000 due to my income being even higher than 2013. An additional income of $8,000 added to my actual income creates a tax bracket of $1,000-$1,500.This is why I'm asking for $4,000 to offset the costs they've created. If the two accounts were closed in 2010 and the 1099-C's sent in 2011, with my almost non-existent income, it would have cost me nothing in taxes and preparation because I was in the lowest bracket.

Business

Response:

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

Consumer

Response:

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

a[Your Answer Here]

I did receive a letter in the mail from Citi and what was disclosed is no different than what they sent to the Consumer Financial Protection Agency in regards to the complaint made against them. While I appreciate the clarification on their part, they need, based on the information contained in the letter sent, to properly correct my account information on their side and forward that to all the credit reporting agencies and myself to clarify delinquency. If that is done then I will consider the situation resolved.

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, 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: On July **, 2013 I contacted CitiBank to stop a debit draft of $107.70 from [redacted]. I relayed the draft was scheduled to draft on the [redacted]. I received confirmation of stop payment. On July **, 2013 this same draft cleared my account leaving me $80 overdrawn and no money. I contacted Citibank July **, 2013 when my card was declined for $2.15. I 'chatted' with a rep named [redacted] who said the stop payment can take up to three days to process. News to me! He referred me to their stop payment depart as he could not reverse the draft. In speaking with this department the rep said he "needed authorization from supervisor to reverse draft because I did have the stop pay recorded". He got back on line and said "they can't reverse charge because they already put through and I had to go to initiating company and ask them to reverse their charge".Desired Settlement: CitiBank needs to honor the stop payment. Reverse the draft of $107.70 and take accountability that someone did not do their job. This should not be the customer's responsibility.

Business

Response:

Dear [redacted]:

I am in receipt of your recent correspondence to the Revdex.com (Revdex.com). Your inquiry was referred to Citibank's Executive Response Unit, of which I am a member of the staff: and it is my pleasure to respond to you on Citibank's behalf. Unfortunately, my attempts to reach you by telephone have been unsuccessful.

In your correspondence, you stated that though you placed a stop payment on a draft in the amount of $107.70 payable to [redacted], Citibank paid the item. You were subsequently advised that the stop payment required three days' notice and you have requested additional assistance in receiving reimbursement.

[redacted], first and foremost, please accept my $sincere apology for any misinformation you were provided in conjunction with this matter. I assure you that this is not the type of service in which Citibank prides itself and it is certainly not the type of service our customers deserve. We aim to respond to our customers' needs as promptly and accurately as possible, and I regret that you found cause for dissatisfaction

under any circumstance. I can assure you that coaching and feedback will be provided to the financial

associates with whom you spoke to prevent a similar occurrence.

As you may know, the transaction in question was indeed returned unpaid due to your stop payment order. Single automated clearinghouse (ACH) stop payments do not require three days' notice, and are effective the same day if placed by 6:00 PM CT. The item will post to the account when presented, and will be returned unpaid the following business day.

Again, I sincerely regret any misunderstandings and I thank you for taking the time to bring this very important matter to our attention. In closing, I would be remiss if not bringing to your attention that the address provided to the Revdex.com differs from that we have on record. If your mailing address has changed, please contact Customer Service at the telephone number on the back of your ATM card to update your records.

Sincerely,

Client Liaison

Executive Response Unit

Review: I opened a Citi Thank You Preferred credit card account on 12/**/14 with conditions of “Earn 30,000 bonus ThankYou Points after you spend $2,000 in purchases within 4 months of account opening”. Before I opened the account, I read the “Terms and Conditions of Offer” carefully. I also called the Citi customer services to make sure I was qualified for the bonus points since I had opened Citi bank credit card before. The customer services staff checked my file and told me that I would qualify because the Citi ThankYou credit card I had before was different than the one I was going to apply. Then I opened the account and fulfilled the requirements by spending more than $2,000 within 4 months of account opening, but have never got 30,000 bonus points. I called customer services many times to explain my situation and request 30,000 points. Every time when I called, I was promised that the issue would be resolved, but never had a result. Finally I was transferred to an [redacted], who said he would not be able to put 30,000 points back to my account, but instead, he would credit $300 to my account. However, the promise has never come true.Desired Settlement: Please issue 30,000 bonus points or equivalent compensation.

Business

Response:

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

Consumer

Response:

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

1. Citi Bank Customer Service ensured me that I would get the 30,000 Thank You Bonus Points when I called before I applied for the credit card.2. An [redacted] from the Citi Customer Service promised a $300 would be credited to my account as a compensation.These two phone conversations should be recorded or noted and the Citi should fulfill what they said.

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

Sincerely,

Consumer

Response:

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

[On 6/*/15, I received a letter again from [redacted]. It was identical with her previous response. It appears that [redacted] has no sincerity to resolve the issue based on the following facts:1. As I said, before applying online, I had called (12/**/14) customer service who looked into my account history and determined I would be eligible for the 30,000 ThankYou points after spending $2,000 within first four months. [redacted] said she was unable to locate the phone call. I believe that was due to the customer service staff’s failure to make a note of this conversation.2. After I met all requirements and did not get 30,000 points, I called customer service at ###-###-#### for many times and was given different explanations. Finally, I was referred to an [redacted] who reviewed my account and agreed to credit $300 to my account. It was around the end of February, 2015 and the [redacted] was a gentleman. [redacted] said she could not find the records of the [redacted]s offer. That’s the problems of the customer services’ record keeping. If I had not been promised of the $300 credit by the [redacted], I would not file a complaint against the Citi with the Revdex.com.3. When I received a response letter, I was given a discontinued phone number which made me have no way to reach [redacted].4. After I got the correct phone number, I made 3-4 times phone calls every day from 6/*/15 to 6/**/15 and had never reached a real person.Therefore, I request my case be reviewed by [redacted]’s supervisor or a higher level of management for a reasonable compensation.]

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

Sincerely,

Business

Response:

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