Citi

Review: Since the prescription was in my son's name [redacted] issued a Citibank prepaid Visa in his name when I ordered prescription contact lenses. My son used it briefly then lost it, unable to handle the responsibility. I found the card and checked the balance. However, when I went to use it to purchase new glasses for him, the card failed. I saw then that it had expired. I attempted to contact someone for help with my problem, but it was very difficult to find a live person. In emails they assured me that customer service was a top priority and they would help resolve the problem, but when I finally got through, every person up the chain told me the card had expired and there was no grace period.

For starters, this was an inappropriate way to issue a rebate to a minor who could not read the fine print. Also, in California, where we live, it is illegal for gift cards to expire. The FTC says that cards cannot expire for at least 5 years. I have a right to this money.Desired Settlement: I would like a refund of $31.06, my balance on the card.

Business

Response:

[redacted]

Revdex.com

Case # [redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on January *, 2015 from [redacted] regarding an expired promotional 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.

Upon review, Citi Prepaid Services determined that the promotional prepaid card that [redacted] inquired about was issued in November 2013 with an expiration date of November 2014 with an available spend of $35. A transaction posted on February *, 2014 in the amount of $3.94 leaving the balance of $31.06 which expired. In accordance with applicable law and regulation, the expiration date was embossed on the front of the card; displayed on her cardholder materials (i.e., “valid thru 11/**”); disclosed in the terms and conditions that accompanied the card with an explanation that the funds would no longer be available after the expiration date. [redacted] also mentions that gift cards do not expire; this card is a promotional prepaid card, not a gift card. We have called [redacted]’s home phone number on file on January *, January ** and January ** leaving messages for a return call; to date, we have no record of a returned call. However, as a one-time courtesy we have reissued the card with an available balance of $31.06.

We regret that [redacted] encountered this situation and hope that this information is helpful in resolving the matter. 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 find that this resolution is satisfactory to me and the matter has been resolved.I am surprised to hear that you called my home. No message was ever left. But thank you for understanding my situation, that is good customer service.

Sincerely,

Review: To: [redacted] Cardmember Services[redacted]I am documenting my written request along with the numerous phone calls I havemade to [redacted] agents requesting my $1500 I put toward thepurchase of a refrigerator from a [redacted] store in my area, that was cancelled bythe [redacted] store because it was too big for our kitchen space that was allowedfor it in our home.I have the cancelled [redacted] receipt for the refrigerator that should have negatedthe whole process of the transaction.We did not ask, tell, or authorize [redacted] to post our $1500 as a credit for purchase on the [redacted] statement.The [redacted] salesman assured us that all we needed to do is call the [redacted] phone number of the back of the card and request that the $1500 bereturned to us in a check, if the refrigerator purchase could not be made or ifthere was a need for cancellation of the purchase.We are 70 plus retired senior citizens who need the $1500 back in our checkingor savings account for our daily use, not in your [redacted] and postedin your [redacted] statement. The letter you sent us, dated Dec. *, 2014 stating our $1500 refund request would be taken care in 30 days has not happened and we have been dealing with this since Nov. [redacted], 2014Is this something lawyers have to deal with or what? We do not want to go thisfar, we would rather avoid this. Our options are Revdex.com, Arbitration, small claims court.Billing Address: current mailing address:[redacted] and [redacted] and [redacted] Account ending in [redacted]

Product_Or_Service: Kenmore french door refrigerator

Order_Number: [redacted]

Account_Number: [redacted] enDesired Settlement: DesiredSettlementID: Refund

We would like the $1500 we put toward the purchase of the refrigerator refunded in check form payable to [redacted] and [redacted].

Business

Response:

Tell us why here...Good day, We will be corresponding directly with the customer as Citi has not received authorization from the customer to release information to your office.Regards, [redacted]

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 12/**/2013, a [redacted] representative, "[redacted]" came into my home and sold me HVAC units, which were installed by [redacted] technicians on that same day. Terms of agreement for financing were $6400 for 24 months with zero percent interest on [redacted] credit card (backed by Citibank). I've noticed on my January 2015 billing statement, I've been charged $1947.18 interest, which is a fraudulent charge. I'd signed up for a term, "24 months, 0% interest". The 24 months term has not yet expired. I still have one more year to pay off remaining balance of my account. [redacted]/Citibank had admitted that promotion code was mistakenly entered as 12 months with 0% interest, instead of 24 months with 0% interest. Regardless, honest or dishonest mistake on their part, they're still making me pay for it. Their refusal to remove any interest charged to my account has lead me to file this complaint.

Product_Or_Service: HVAC units

Order_Number: [redacted]

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I'd signed up for 24 months with 0% interest. Honor it!Remove any interest charged to my account. The 24 months term hasn't even expired, yet!

Business

Response:

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

Consumer

Response:

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

Sincerely,

Review: I have excellent credit as reported by all the major credit agencies. Citibank is claiming I have delinquencies and late payments on my credit reports. I have none. Citibank is claiming my credit score is 540. It is actually 798. I do not know where they are getting their information from and I have never missed a payment to anyone, including Citibank, in my life.They are shutting down my line of credit based on erroneous information.Desired Settlement: DesiredSettlementID: Other (requires explanation)

Restore my lines of credit.Make certain that my excellent credit history has not been discredited by Citibank's actions.Apologize for the trouble and anxiety they have caused me.

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]. While the matter is closed, the resolution is not satisfactory to me but I do not expect Citibank to do anything further.

Sincerely,

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 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 file a complaint about citi card the fraudulent transactions that cost me $6,241.19;

I called citi card and tell them about the fraudulent transactions from [redacted] that cost me $6,241.19 but they never help me and scold at that will not received any credit or wait 2 billing cycles for the result;

1. they are taking too long to investigate or give me credit;

2. I had been checking my mail from citi but they never communicate with me and don't even know my phone number correctly.

I cant not wait 2 month because I need the money to feed my children; they need to get the result in 24 hrs

I demand refund of $6,241.19 from citi cards who about to stole my money without my authorization.

before I apply for the card, the card said o fraudulent reliability.Desired Settlement: refund $6,241.19 right now

Business

Response:

We

will be corresponding directly with our customer. If you would like to further

discuss the resolution, may I suggest you contact them directly?

Consumer

Response:

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

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: 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: 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: 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: 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: I have tried to make a payment to my Sears Card and for the last four months, I spend five minutes typing in my account information through the phone automated system, and the phone automated response says, "I'm sorry, I cant help you with that. I have talked to Customer Service four times and the response I get is, "I'm sorry, I don't know why that is happening. On Friday, August [redacted] 2014. I talked to a [redacted] named, "[redacted]" on Team 33 in Idaho. [redacted], thought that perhaps it was happening because, I had an old phone number on file. After changing the number to my new phone number. I politely asked several times, if [redacted] could stay on the line with me, and get me back to the Phone automated system to see if this worked, and she refused. [redacted], said, "I don't have the option to do that right now. I asked [redacted], if she had the ability to Conference a call on her phone, and she refused to answer me. I said, all phones have a conference button in Call Centers, and again [redacted] refused to answer me about having the ability to conference in with me to see if I could Make an automated phone payment. I then asked [redacted] for her phone number, and she said she did not have one. I then asked for her extension number, and she refused to at least supply a phone extension, and said she did not have a phone extension. I asked, her how does she get any calls from her Customer Service agents, or other personnel, and she refused to answer. [redacted], transferred me back to the phone automated system, and I still cannot make a phone payment.Desired Settlement: DesiredSettlementID: Refund

I would like an apology either by phone or by letter from [redacted], and Sears, and I would like one month of my Sears Card Payment waived for the way I was mistreated by Sears and [redacted].

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: 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: Since May **, 2013 I have requested contract with my signature and under FCBA and under 2009 Credit Accountability Responsibility and Disclosure Act (Credit CARD Act) proof that CITIBANK/SEARS followed the guidelines to no avail. They couldn't provide a signed contract, so the following rules apply:

a. A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. [redacted] and [redacted] and [redacted].

In the state of Texas a creditor falls under the TDCPA contrary to the FDCPA, a creditor who collects its own debts is a debt collector under the TDCPA. [redacted] And on June **, 2014, I sent another request by certified mail#[redacted] to no avail for proper documentation or response. Even if FTC doesn't require pass 2 year documentation, it's up to Citibank/[redacted] to have proper documentation, which has been held in my courts.

So, I would like account#[redacted] to be removed from all credit bureau reports ([redacted]).Desired Settlement: So, I would like account#[redacted] to be removed from all credit bureau reports ([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.

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 can respond here, so I can prove my case for public knowledge to see, but Citi has failed to respond here, which they DO NOT have legal documentation that I asked for, but still keeps this derogatory trade line on my credit file. I want it removed immediately or I will take further action swiftly.]

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 the customer as Citi has not received authorization from the customer to release information to your office.

Review: [redacted] has failed to send me a statement after several requests. Collection agency cannot provide those.

In April 2014 I checked my account which showed an amount of less than $10 that I owe. So I paid $10 to close it out/pay off. In May I noticed I had another remaining balance so I paid it off. In June I get a call from [redacted] that I owed less than $140 (for some scheduled transactions I believe) so I made two payments in June 06/** and 06/** as my bank statement reflects. In July I get a call that I had $80 left to pay for late fees... How can it be late fees if I paid twice in June? So I pad the $80 to close out. Collectors then began calling me that I owe over $100 I said no I paid them in July what I owed. They kept insisting I pay. I told them I refuse to pay a bill without seeing an invoice/statement in which they replied that they cannot do because they just have a total of what I owe and what [redacted] wants me to pay. I called [redacted] and told them to send me a bill because I refuse to pay something without seeing the charges. this was back in June. I checked my credit report and noticed [redacted] still putting negative messages in my report for no payment. I called [redacted] today and they said my account shows a balance of over $200. I told the lady to send me a bill, she said my account showed I had paperless billing. I told her the last email I received from [redacted] was in April. I told her that I spoke to a guy back in July and asked him to send me a bill otherwise I wasn't paying. She said she will send a statement with all 2014 charges today and to expect it between 7-10 days. Not even a collector has called me in regards to these charges. no e-mails, no statements.. no phone calls.Desired Settlement: I refuse to pay something including "late fees" because I was never sent (via mail or e-mail as requested) by the company. When I try to log in online it gives me a number to call because my account cannot be viewed online. I called the number and the guy who attended me said I had to pay $80 (what I owed) to put my account back up to ok so I could view. I paid, and I still cannot view my account; mainly my statement to view any charges. I seek that [redacted] remove these charges from my account and

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 am attaching a letter that I have sent to the CBR Dispute Department numerous times and have yet to hear back from them. I keep leaving messages and no one contacts me back. I am at a loss for what to do in regards to having this account fixed. I was put down as an "authorized user only" and have had my credit destroyed by this delinquent account, I am not even the account holder. I have spoken to numerous people with [redacted] and they have stated that this can be taken off of my credit but I am unable to get ahold of anyone or retrieve confirmation that they have received my letter and are working to resolve this problem. This is even more stressing when I am waiting for this correction to finalize the purchase of a new home. I went online to begin a Revdex.com complaint and it asked me to try emailing [redacted] directly as a last ditch effort to get my information cleared. I have yet to hear a response since October [redacted]. Please contact me directly to get this revolved, I believe all information needed is in the attached letter.

Thank you,

###-###-####Desired Settlement: [redacted]

11/**/1974[redacted] To Whom It May Concern:

Credit Account # : [redacted] I am writing to have my name removed from this account due to not having my credit ran for the credit card but was added as an Authorized User only for the account under

[redacted] Social Security #[redacted].

Please send me written confirmation that this letter has been received and is being processed to remove my name from this account.

Business

Response:

Good Day All,

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: 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: 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?