Citi

Review: My dad passed away suddenly in November 2006. After probate, I sent over administration papers, etc in 2008. They added my name as C/O to the account at that time. Yet EVERY time I call they are unable to find the papers until they've placed me on hold for 15-20 minutes (although they accept my payment monthly). Now the loan has matured and apparently there's a deliquent amount due from prior to my father's passing which has made the loan accelerate. I've been making payments to this loan for 9 years and would like to resolve this issue quickly. When trying to discuss with a specialist and after on hold for 45 minutes, they can't find it at all and I had to resubmit (which I did the very next day).

I am disguisted with Citi and their lack of ability to provide decent customer service and/or manage account documentation. They have me relive the stress of my father's death every time I call. In addition, with an urgent matter pressing it seems they are intentionally delaying the resolution as if for their mischievious benefit to obtain rights to the property. Seems deceptive. I've spent nine years ensuring my father's work in owning a home isn't in vain and will NOT let them take this from him or my family.

The customer service is horrible, they lack emotion and are sometimes flat out rude. I just want to be done with the company and will NEVER do personal business with them again.Desired Settlement: I would like to be contacted by Citi to resolve the matter of acceleration and confirm the amount due immediately.

Business

Response:

Hello, I am sending this email request for an extension to 07/**/15. If you have any questions or concerns about the status update we have provided verbally, please contact the assigned [redacted] at ###-###-####. Borrowers name: [redacted] File number: [redacted] Thanks, [redacted]

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: I was offered 50,000 miles for credit card after $3,000 in purchases within 3 months. I charged $3,400 and when I called to check on points they said I wasn't able to receive because I had a Citi bank card before. This wasn't mentioned over the phone and they should have Informed me this before issuing credit card. They should have seen this on credit info. This was totally misleading!!!!! I would have never taken this card if I would have known this. I called the customer service phone number ###-###-#### and spoke with [redacted], on team 3009, and he said nothing he could do. I should receive the 50,000 points and indicated before purchase of card. Thanks [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

receive 50,000 miles as promised. Never mentioned that I wasn't able to recieve

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.

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 keep Getting a monthly statement for items or Services not received, or requested Thank You [redacted]Desired Settlement: DesiredSettlementID: No settlement requested - for

That [redacted] state what services or Items,they want payment .

Business

Response:

We responded to the customer on 3/**/15. The customer should allow 7-10 days to receive our written response. If the customer would like to share this information, they can provide a copy of our response to your office.

Review: [redacted] delivery people falsely stating they tried calling this afternoon stated at my house my father in law was here all day no delivery person

[redacted] states in email and docs will call night before to schedule delivery of stove, they failed no call received. Today Sept * I called [redacted] call center at [redacted] confirmed delivery is [redacted] time frame so advised my husband[redacted], he told his dad [redacted] who took whole day off. Received call at [redacted] letting know to call store, tried calling long wait had to go back to work had husband call too long hold so had his dad [redacted] call, luckily [redacted] had time to wait and spoke to store who assured same time frame. No stove delivered [redacted] states they were here and tried calling no call received on my cell phone which is my only phone. They also stated they called my work phone and someone answered stating I don't work there. I only have one phone number and I listed my husband's cell phone number which they never called. I have my daughter's birthday to bake for this sat which now requires me to drive 40 minutes one way to bake a cake for. We have * kids work full time commuting involved, my father in law took the day off from work to help out and [redacted] was a no show. I waited almost a year to buy a stove have survived off a hot plate and toaster oven until we were ready to buy the stove I wished to have. It's very disappointing on the lack of customer service and follow through on a 1500 stove. My father in law doesn't have PTO time he was without pay for today, he took the time to help us out.Desired Settlement: Employees that falsely say they are someplace and are not should be placed on corrective action or replaced. And the $100 gift card they are offering is not justified for the time it takes to drive 40 minutes one way to bake a cake someplace else and bring it back home. Granted it was cutting it close two days before, I was guaranteed delivery today [redacted] Sept * and they broke that promise.

Business

Response:

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

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: 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: my [redacted] credit card had fraudulent charges made in them in the amount of $5000-$10,000 dollars in December 2014. I called and the charges were reversed, my card was cancelled and another one was issued. I look at my June 2015 statement and noticed that $2100 (4) of the fraudulent charges were placed back on my card. my daughter called on Saturday 5-**-15 to find out why they were reversed and could not get any reason. she was told to call the investigation unit by a [redacted] that stated obviously they felt that these charges were not fraud. my daughter asked if he was calling her mother a thief and he stated ([redacted]) I don't know your mother. my daughter called the investigation dept on Monday 5-**-15 and was told the charges were reversed on 4-**-15 and the person did not write any notes regarding this decision and she could not help her. she left her information for a [redacted] to call. this issue is ridiculous [redacted] breached my information and they are making me feel like a criminal because they allowed someone to access my information. in this whole matter my daughter was told that there wasn't a corporate office that could handle this matter.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like to have the charges removed from my account and the situation closed.

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:

The items are still on my statement and I have not gotten a time frame for the resolution. I feel if I state this matter is rectified because they reached out to me, they will not follow through with the problem. They have not given me any different information than before I reported this to Revdex.com.

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: [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: When I applied to the credit card one of the benefits of the offer were to receive a Admirals Club One day pass. The small letters to the offer states that the passes will arrived within 4-6 weeks after the qualifying spend. I have earned my qualifying purchases. Therefore, I called the credit card company on April and they stated that it is not 4-6 weeks but 6 to 8 weeks, again not what is on the offer letter, they mentioned that they were going to send an dispute and all I got was a letter stating that it will take 6 to 8 weeks. I called today since it has been more than 10 weeks and still was not able to get a response of why they cannot comply with the terms and conditions of the offer.Desired Settlement: I would like to know what happen with my passes and I would like to get the passes they were offered. I considered this false advertising and nobody can give you an answer when you call. I have complied with all the conditions and I'm expecting the company to do the same.

Business

Response:

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

Review: Citi sent a negative information notice to [redacted] regarding my [redacted] Account

Citi bank took over services for my [redacted] account. They utilize fraudulent billing practices. When I contact the CPA and Revdex.com they removed the charge but submitted a negative alert to [redacted] Credit. In essence they are punishing me for reporting them to authorities. The account is $0. I was never delinquent.Desired Settlement: I would like the false information removed from my account

Business

Response:

We have sent a response directly to our customer on January **, 2015. If you would like to further discuss the resolution, may I suggest you contact him directly allowing time for him to receive our response.Thank you.

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: Because I was changed to paperless billing without my permissiion, my account became delinquent.

When I opened my account with [redacted], I requested regular paper billing. My paper billing started fine, but for some unknown reason I was changed to paperless. My next contact from [redacted] was a delinquent letter. I immediately responded to the letter and brought the account up to date. The entire amount that was in dispute was 50-60 dollars. I was shocked several weeks later to see that I had been reported to the credit bureaus. This situation has been very damaging to my credit history and future financial purchases. I do not feel I should be responsible for billing error that was not my fault. I want my excellent credit record restoredDesired Settlement: I want my excellent credit history restored. A lifetime of financial responsibility should not be affected by someone else's error.

Business

Response:

We responded to the customer on March **, 2015. The customer should allow 7-10 days to receive our written response. If the customer would like to share this information, they can provide a copy of our response to your office.

Review: In early 2013 I joined the US Army after a very much failed relationship with a pretty girl as many young men do. Prior to my departure for basic training I completely paid off the balance of my citi credit card. I informed Citi that I would not be taking the card with me, I left it securely at my grandparents house, and that I would not be in a position to use it until further notice. The representative agreed and informed me that the card would be put on hold. Unbeknownst to me at the time my ex had stolen the credit card information while I slept one night. She was able to clone the card and use it after I left. Citi did not hold true and allowed all the charges up to the credit limit. I was not aware of this until I returned almost 5 months later to find that I had statements waiting for me informing me of the balance. I fought with citi for a while trying to get them to even initiate a dispute which they simply refused to do. I filed a previous Revdex.com complaint at that time. They initiated a dispute at that point and soon sent me a letter informing me that they found the charges were indeed fraudulent. The letter also informed me that they would be removed from my credit report with all three agencies within 90 days. I continued getting collections calls for the account. I assumed they were companies that had not yet gotten the message from citi. I informed them all the account balance was the result of fraudulent transactions and all of them (never the same one twice) informed me that they would not contact me again. I believe my debt has been sold multiple times, though I have never been informed of that. The most recent agency called citi and I got a letter informing me that my citi account was once again under investigation. My ex is in jail for this, she was convicted of multiple counts of fraud beyond a reasonable doubt, citi has ruled once that it was fraud, and they need another investigation to determine, again if it was fraud, after telling me almost a year ago that it was fraud and would be removed from my credit reports. I recently pulled my credit report and found this charge off is still on all three credit reports. I disputed all three and got the results of one dispute where citi informed [redacted] that the account balance was ACCURATE. I simply don't understand how that could be, they already told me they would remove it and have lied more times than I can count. I'm really glad I have every letter and I recorded every phone conversation.Desired Settlement: I would like the account removed from my credit reports. I would like citi and any collectors on behalf of citi to stop contacting me. I would like a formal letter informing me that the account is closed and the debt forgiven. I would like a formal written apology from citi for the toll this has taken on me, if only the countless hp\ours I've spent trying to get them to do their job.

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 received a call from the business's fraud department. They informed me that they would be recording the call. I, out of shear curtosey, under no legal obligation to do so, informed them that that was fine and that I too would be recording the call because I've been promised things by them before without any apparent good faith. I was then informed that they could not speak to me if I was going to be record the call they could not talk to me, I would receive something in the mail (no word to what that would be or what address they would send it to, nor did they ask which would have been nice since I just moved for the third time since becoming unable to access the account and therefore unable to update my address). They then hung up on me. I don't know what I'm meant to gather from this except that they are clearly attempting to "deal" until the complaint is closed then never make good on any offers or compensation they promise after the complaint is marked "resolved" as has been my experience in the past.

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:

I have not received any communication from the business since September when they claimed that because the autopay that I had set up with this account previously through USAA autopayed the fraudulent charges (perpetrated in the state of Florida when I had already informed Citi that I would not be in the state of Florida for no less than 10 months prior to leaving) I and the government documentation I have proving that I was not only NOT in the state of Florida were lying. They claimed that the Federal government was lying on my behalf, that the time when I was shot at, nearly lost my life, and my mind never happened, and that the police investigation that I have provided documentation of to them are lying. They claim that the 3 other banks who this was enough evidence for are wrong, that reality is wrong, and that the whole universe is conspring to keep them from their $4000. Excuse me, my heart is breaking for these poor people and their inability to admit their mistake. It truly does. It brings a tear to my eye to think of what they will do when they are only able to pull the money that the whole of reality says they should never have paid in the first place out of my cold dead hands because that's the only way they will ever get it. I can only take solace in the fact that they are such pretentious horrible ss that they might actually kill me for it. I wouldn't put it past them at this point except that that would require them to take their fingers out of their ears and stop saying "LA, LA, LA, LA, can't hear you!" long enough to pull a trigger.

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: 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: 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: 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: I was sent to collections without proper notification.

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

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

Business

Response:

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

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

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

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

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

Sincerely,

Consumer

Response:

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

Sincerely,

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

Review: I have a CITI credit card. About a month ago, I got a mail from CITI. This mail includes three checks. The advertisement say these checks are promotion checks and have 0% interest until sometime at January, 2015. It also says it can be used like a normal check. Thus, I payed my December rent ($610) and my daughter's meal ($60) at the end of November. When I checked back my credit balance several days later, I found I was charged $29.4 for the balance transfer fee. I never know a normal check will be charged a balance transfer fee for buying something. In their advertisement, they just tell you it is a promotion check with 0% interest and use like a normal check, but they do not tell you they will charge you about 5% amount your money as a balance transfer fee. Will A NORMAL CHECK be charged some money as a balance transfer fee?

I called their custom service on 12/*/2014, someone told me she will put on this thing on her calender to handle this. I am not very sure about it. So, I online chatted again with CITI on 12/**/2014. This time, the custom service told me the balance transfer fee will be credited back, in other words, it will be waived. But in fact, they eat their words when I called again on 12/**/2014. I will be charged $29.4 as balance transfer fee.Desired Settlement: I want the $29.4 balance transfer fee be waived.

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.