Citi

Review: BANK OF AMERICAN sold my auto loan to Citifinancail but Bank of American is still the lien hold on my vehicel Which is paid off.

I had a auto loan with bank of americanand was makemy payment. Bank of American sold my loan to citifinancial auto loan. whom I start paid make my payment citifinancial I paid the auto loan off in 2010. Now my vehicle is total , I went to bank of american to see if they can removed the lien on my vehice they said I was making payment to citifinancial so they can't release the lien citifinancial say they can't release because bank of american is on lien so the past three weeks Iwas going back and forward with the two company. All I want is for one of them to take the lien off my vehicle becase it is paid for.Desired Settlement: Just want them to release the lien on the title of my vehicle.

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 find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: About a year and a half ago I was sent to collection by citicards. I contacted the collection agency to try to resolve the account but they would not work with me so I called Citibank directly. They told me that I could no longer resolve my account through them. since neither place would work with me and I could no longer access my account online I started sending checks to citicards to pay on my account. They cashed my checks every month and started sending statements. I recently wanted to pay off the account so I called Citibank to obtain my balance and pay the remainder. When I called they would not give me any information about my account, their phone lines were having technical issues and they refused to take my payment over the phone although they had been cashing my checks for over a year. After at least 4 phone calls I finally got the balance of what was left on my account. I overnighted a check for the balance and a letter requesting a $0 balance letter. Not only did not get a letter or statement showing the account had been paid off but my credit report still shows that it is unpaid. Citicards customer service people are rude and very uncooperative.Desired Settlement: All I want is a statement or letter showing that this account has been paid in full like I asked for from their customer service.

Business

Response:

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

Consumer

Response:

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

Sincerely,

Review: I returned a defective printer to [redacted] They did not provide a full refund as required and a merchant dispute was opened with the [redacted] credit card. Almost two months later and I still have not received the remaining credit required.Desired Settlement: The remaining credit owed from that purchase (around $25) plus a courtesy credit on my [redacted] credit card.

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 him directly?

Consumer

Response:

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

[Your Answer Here]

Since they refuse to comply, I will escalate this matter.

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

Sincerely,

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 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: [redacted]/CBNA has wrongly reported on my credit report a balance of $19,809.00 after they issued a 1099-C which is a charge-off (cancellation of debt). This should be reported a zero balance. I have sent disputes to all (3) agencies and [redacted] has refused to zero the balance. I wrote a letter certified, return receipt. They have signed for it but has not written me back or acknowledged they received my Good Will letter or have taken any corrective action.

Product_Or_Service: Service: remodel kitchen

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

I would like [redacted]/CBNA to correctly, under the fair credit act, report to all (3) credit reporting agencies, that the balance is $0 and NOT $19,809.00. Due to issuing a 1099-C Cancellation of Debt, which I reported and paid taxes on my 2011 taxes.

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.

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 have not contacted me ever.]

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 by letter. 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: Received returned check fee for selecting full payoff amount by mistake while paying my card online. Tried to call to resolve the next day and was repeatedly(only multiple calls over the next 10 days) given wrong info by reps regarding how many times the draft would attempt, when I could make the correct parent, and what type of fees or penalties I would recieve. I was also repeatedly assured that my any fees would be waived since the mistake was clear and my experience was so terrible. Upon calling today I was informed by a supervisor named [redacted] in [redacted] that my refund request is being summarily denied as a matter of policy and that she would give feedback to the previous repa who misinformed me about my account and subsequent refund. When I informed her that that was not acceptable and I would be contacting the [redacted] and Revdex.com she informed me I was threatening her.Desired Settlement: I would like the 39.00 returned check fee refunded like I was promised. I have never had any returned payments in almost 8 years of being a customer and the level of service I received during this process (in which I engaged the attempts to resolve) has been well below par.

Business

Response:

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

Consumer

Response:

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

Sincerely,

Review: I GOT A LAPTOP FROM [redacted] NOV. AND RETURN IT IT TOOK AMOST 2 MONTH WITH ABOUT 15 CALLS TO [redacted] TO FIND WHERE TO RETURN THE LAOTOL, AND IT WAS RETURNED ON JAN 7 2016 WITH UPS TRACKING# [redacted] AND I CAN'T GET SEARS TO REFUN MY MONEY $119.98 BACK TO ME CAN YOU HELP??? ORDER# [redacted]Desired Settlement: REFUN MY MONEY BACK TO ME

Review: I had applied for the Citi ThankYou® Preferred Card that advertised: [quoted directly from their website's Terms and Conditions, headed Citi Disclosures] "Annual percentage Rate (APR) for Purchases: 0% introductory APR for 12 months from date of account opening. After that, your APR will be based on your creditworthiness." I was approved but did not receive the introductory rate advertised. Upon calling customer service, they had claimed that the introductory APR advertised is also based on creditworthiness, however, the terms (as quoted above) clearly did not disclose this. The disclosure clearly states that the APR AFTER the introductory rate is the only rate that will be based on creditworthiness, or at least, that's how it's being "disclosed" to consumers. At the time of this writing, Citibank's webpage that had this disclosure is "Temporarily Unavailable", only a few hours after I had called customer service regarding their unethical advertising practices.

Business

Response:

Dear [redacted]:

This letter is in response to [redacted] recent inquiry related to her Citi® ThankYou account ending in [redacted].

I spoke with [redacted] and regretted that the 12 month promotional 0.0% introductory APR and 0.0% balance transfer rate that were offered with the online application were not applied to her account. I explained that based on the terms and conditions of the application under the additional disclosures it states that the 0.0% introductory APR and balance transfer rates are based on your creditworthiness. Because she did not meet the criteria for these promotions, they were not applied to her account.

Should you have any additional questions regarding this matter, please contact me at the above address.

Sincerely,

Presidential Communications

Review: When logged into my [redacted] credit card account and trying to find out information regarding promotional purchases using the [redacted] Credit Card, the website states that I can view promotional balances by clicking the + sign underneath Account Summary. This + sign does not exist. I have chatted online and on the phone with customer service about this issue to which I was affirmed that the issue would be resolved. After scheduling my payment today, the link to view promotional purchases still does not exist. This means that I have no idea how long I have nor the minimum payments I should be making in order to avoid paying interest at the end of the promotional period. I have also emailed the corporate office and have heard nothing. I cannot easily find a way to find out how much I should be paying each month nor when the promotional period ends. Product_Or_Service: Credit Card PromotionDesired Settlement: DesiredSettlementID: Other (requires explanation) Would like the Revdex.com to contact [redacted] to make them aware of the issue. Its bad business practice and makes me nervous about making payments when I don't know how much I should be paying each month.

Business

Response:

Dear Dispute Resolution Services:

Your recent complaint filed on behalf of [redacted] has been forwarded to us for review and response. Citibank, N.A. is the issuer of the [redacted] Credit Card.

We have completed our investigation into [redacted] account. We certainly regret to hear of the recent issues [redacted] has experienced on his [redacted] account. To receive technical support for his [redacted] Account Online inquiries, please contact the [redacted] Technical Support team by calling ###-###-#### (option *). Please note, no telecommunications number is available for our hearing impaired customer; therefore, please use relay service.

Our records reflect [redacted] is listed as an authorized user on the account. We would need the Primary Cardholder to contact us for any additional inquiries referencing this account.

Should your office have any further questions regarding [redacted] account, please feel free to contact us at the address listed above.

Sincerely,

Executive Response Unit

Review: I want this company to leave me alone and they will not. This company keeps sending me offers to get a loan. I have never done business with this company. I do not want to ever do business with this company. The opt out number sometimes does not work. I have gone, in person, two times to the local office to request that they take my name and address off their list. They will not and were quite rude to me. I told them that if they did not stop, I would consider it harassment, but they still keep sending me offers. They spell my name wrong on the offers and I am sick of hearing from them. If the company was any good, they would not have to bully people into dealing with them. Please list this as a complaint about this dreadful company. The local office that was so rude was in [redacted], MD. I hope this complaint reaches the right ears, so that something can be done about it. I do not ever want to get any mail from them again. Thank you.Desired Settlement: I do not want anything except to be left alone by this company. No calls, no letters, no offers. Just leave me alone!

Business

Response:

Dear [redacted]:

We are in receipt of your correspondence dated September **, 2013, regarding [redacted] concerns and we appreciate this opportunity to respond. We have had an opportunity to research the issues raised and offer the following response.

In response to her request, I have confirmed that her address of: [redacted], has been removed from our mailing list and our records have been marked to ensure no further mail offers are made to [redacted]. However, please be advised that there is a possibility that [redacted] may receive one or two more solicitations before being completely removed. The removal process can take six to eight weeks to clear as we process mail campaigns up to eight weeks ahead of the mail date.

Please be advised that if [redacted] does receive any additional offers, there is a chance that the address varies on what she has provided in her complaint. Therefore, [redacted] may contact our Customer CARE department at ###-###-#### to have that specific name and address added to our do not solicit database.

We apologize for any inconvenience than this may have caused her and we trust that this letter addresses her concerns. Should you have any further questions, please feel free to contact me at ###-###-####.

Sincerely,

Resolution Specialist

Executive Response Unit

Consumer

Response:

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

[Your Answer Here]

I did not respond to your letter because I could not find the complaint on the web site. The note from the business looks fine, except that it lists my address as: **- this is not correct-my address is 914. I was hoping this was just a "typo". The note also says that if I do receive "additional offers" to call them. I will not. I made my wishes plain and should not have to keep repeating them. I thank you for your help. I hope the problem is resolved. I feel sorry for anyone who actually is a customer of that company. No one wants products, or services, shoved down their throat.

My sincere thanks!

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

Sincerely,

Business

Response:

Dear [redacted]:

We are in receipt of your additional correspondence dated October **, 2013, regarding [redacted]'s concerns and we appreciate this opportunity to respond. We have had an opportunity to research the issues raised and offer the following response.

In response to her concerns, I have confirmed that her address of: [redacted], and not [redacted], has been removed from our mailing list and our records have been marked to ensure no further mail offers are made to [redacted]. However, please be advised that there is a possibility that [redacted] may receive one or two more solicitations before being completely removed. The removal process can take six to eight weeks to clear as we process mail campaigns up to eight weeks ahead of the mail date.

Please be advised that if [redacted] does receive any additional offers, there is a chance that the address varies on what she has provided in her complaint. Therefore, [redacted] may contact our Customer CARE department at ###-###-#### to have that specific name and address added to our do not solicit database.

We apologize for any inconvenience than this may have caused her and we trust that this letter addresses her concerns. Should you have any further questions, please feel free to contact me at ###-###-####.

Sincerely,

Review: Approximately 2 months ago I noticed illegal unauthorized charges placed on my SearsCard by Citibank credit card. Immediately phoned to attempt to repair, although days later charges were still being processed. Illegal charges happened in another state without an actual card being presented. The account was closed, now I no longer can access it online to verify any of the charges or pay what is legitimately my bil. Citibank tells me to open another online identity, but due to other family members cards being accessed from the same online identity I cannot do that. Citibank refuses to remove the invalid card from my online identity or allow access to it.

After many contacts via email and phone the situation is only getting worse. I have received 40+ phone calls at my work but there is not a human voice, only a recording that begins about one minute after the phone was answered. These types of robo-calls are causing my employer much dismay.

Citibank has been given notice to allow me to access the account online and verify my own charges or I have refused to pay.Desired Settlement: allow online access to statement information and removeal of illegal charges and interest charges due to Citibank's delay

Business

Response:

Dear [redacted]:

We received another inquiry from the Revdex.com of New York on your behalf regarding the above-referenced Sears MasterCard account, which is issued by Citibank, N.A.

While we understand your concerns regarding the accessibility of the account online information for the previous account ending in [redacted], as we previously stated, we must decline your request for access to that account online or to have the numbers deleted. The account information from the previous account is transferred to the new account. We sent copies of the billing statements for the account ending in [redacted] from July 2013 to September 2013 and the October 2013 statement for the account ending in [redacted] for your review with our previous correspondence. Due to credits issued for the remaining fraud charges, the account now reflects a zero balance. For technical assistance with enrolling and accessing the new account online, please contact the E-Services Department at [redacted],24 hours a day, seven days a week.

We sincerely regret to hear of the difficulty you experienced when speaking with our Customer Service representatives and your dissatisfaction with our assistance regarding the fraudulent charges that were posted to your account, which have all been credited. Our goal is to serve our customers by providing superior service and products. One of the best ways to achieve this goal is to receive feedback from our customers. Our representatives are expected to be polite, professional, and courteous in all their contacts with our customers, as the quality of the service we provide our customers is of great importance to us. Please let this letter confirm that your account remains open. Should you wish to close the account, you may contact Customer Service at [redacted] 24 hours a day seven days a week.

Our telecommunication number our customers is ###-###-####.

We appreciate the opportunity to assist with your concerns.

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 am still being denied access to the account online. Because Citibank has two closed accounts on my online 'dashboard' I cannot access the account which they issued to make everything right. One of the closed accounts on my 'dashboard' was closed by me over two years ago, if they would have removed that dead account I could access the new account.

Citibank has really been no assitance at all, their customer service is ignorant of the account online procedure. I will be closing all of my family's accounts with Citi and encourage all business associates to do the same. We have laughingly talked about their customer service in the past, now I have the proof of what we have suspected all along. Citibank is the worst for customer service, and justly, shall have numerous accounts closed because of my efforts to publicize their 'service'

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

Sincerely,

Business

Response:

Dear [redacted]:

We received an inquiry on your behalf regarding the above-referenced Sears MasterCard account, which is issued by Citibank, N.A. We want to take the time to personally respond to your concerns as the service provided to our customers is of critical importance to us. Unfortunately, we were unable to reach by phone to advise of our findings.

While we understand your concerns regarding the accessibility of the account online information for the previous account ending in [redacted], as we previously stated, we must decline your request for access to that account online or to have the numbers deleted. The account information from the previous account is transferred to the new account. We sent copies of the billing statements for the account ending in [redacted] from July 2013 to September 2013 and the October 2013 statement for the account ending in [redacted] for your review with our prior correspondence. As we stated, the account balance at the time of that correspondence was zero. The current balance is $1,612.98 and the minimum payment due has been satisfied for the December *, 2013, payment due date.

While information is the cornerstone of our ability to provide superior service, our most important asset is our customer's trust. Keeping customer information secure and using it only as our customers would want us to, is a top priority for all of us at Citibank. Unfortunately, we were unable to discuss the account until the documentation was received by the Fraud Early Warning Department. We confirmed that the block placed on your account has been removed as of November **, 2013.

We sincerely regret to hear of the difficulty you experienced when speaking with our Fraud Early Warning Department and the block being placed on the account due to the failed verification , which does not allow us to access the account information. As we stated previously, our goal is to serve our customers by providing superior service and products. One of the best ways to achieve this goal is to receive feedback from our customers.

We appreciate the opportunity to assist with your concerns.

Sincerely,

Review: Before my Best Buy credit card was owned by Citibank, I did not have an annual fee. When the Best Buy Credit Card was taken over by Citibank. I suddenly have an annual fee. I talked to customer service, and they told me I couldn't take off the annual fee without closing the account. Why should I be punished for my credit card changing banks? Also my credit card failed to make a purchase twice at Walmart while I was trying to holiday shop. Then customer service told me that my card was charged twice even though I paid in cash. They told me it would take a week for the charges to clear. This never happened to me before Citibank was in charge.Desired Settlement: Get rid of the annual fee wthout closing the account, or receive a different card with no annual fee, or increase my credit limit on the Best Buy Credit Card.

Business

Response:

Dear [redacted]

Your recent complaint filed on behalf of [redacted] has been forwarded to us for review and response. Citibank, N.A. is the issuer of the Best Buy Gold MasterCard credit card.

Citibank acquired the Best Buy portfolio from Capital One on September *, 2013. [redacted]'s Annual Membership Fee of $59.00 was debited on May **, 2013, prior to Citibank 's acquisition, and in compliance with his terms at the time. We have included a copy of his previous terms for his records.

It states in [redacted]'s current terms that "You agree that this fee will be charged to your Account while your Account is open". We have included a copy of his current terms for his records as well. This fee is in compliance with his current terms, and as such, we respectfully decline his request for a fee credit.

Our records indicate that [redacted]'s account is open and active with a Current Balance of $436.78 and a Purchase Line Available of $163.00. Our records do not show any previous blocks on the account that would have prevented a purchase from being processed, as long as the purchase total did not exceed the Purchase Line Available at that time. If the customer continues to have difficulty making purchases on the account he may contact our Customer Service at I ###-###-#### . Our telecommunications number for our hearing impaired customers is ###-###-####.

Should your office have any further questions regarding [redacted]'s account, please feel free to contact us at the address listed above.

Sincerely,

Executive Response Unit

Consumer

Response:

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

[Your Answer Here]

I didn't have an annual fee when I started the credit card account. When citibank took over your company added the annual fee. Also, you completely ignored my second complaint about my the credit card declining my purchase twice and not clearing the purchases 7-14 days. Also from the language of your response it sounds like your company could get rid of the annual fee, but your company doesn't want to. I guess your not making enough money off the interest rate. In your next response, please respond, and tell me if you can get rid of the annual fee, and you choose not too. Or if it would really close the account like the customer service rep said. You also showed poor customer service, because your company didn't even mention anything in your response about the other complaint. If you would have apologized for the poor service I would have let this go, but I guess apologies are beneath your company.

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

Sincerely,

Business

Response:

Dear [redacted]:

Your recent complaint filed on behalf of [redacted] has been forwarded to us for review and response. Citibank, N.A. is the issuer of the Best Buy Gold MasterCard credit card.

We have completed our investigation into [redacted]'s account. The details of the Annual Membership Fee are clearly outlined in the Cardmember agreement [redacted] received when he opened his account. As stated in the Cardmember agreement, the Annual Membership Fee will be charged to his account while his account remains open. We certainly regret to hear of any misunderstanding he may have had regarding the terms of his account. We respectfully decline his request to waive his Annual Membership Fees for his Best Buy Gold MasterCard.

We understand from [redacted]'s correspondence that he requests a credit limit increase on his account. Please be advised that he must contact our Customer Service to request an increase by calling ###-###-####. Our telecommunications number for our hearing impaired customers is ###-###-####.

We also must decline [redacted]'s request to convert his account into a credit card that does not have an Annual Membership Fee.

Should your office have any further questions regarding [redacted]'s account, please feel free to contact us at the address listed above.

Sincerely,

Executive Response Unit

Review: I was a Citibank credit card member since 1988. I paid my balance in full 11/**/2013. I inquired about the account in July of 2014 only to be informed the account had been closed or not "reissued". I received no notification the account was in jeopardy of being closed or had been closed. I have been employed in Healthcare Administration for 20+ years. In healthcare 30+ years. I have had a solid income with no interruption in employment. All payments were made in a timely manner. There was payment activity in October, November, and payment due date in December (which was paid early in November). At no time was I over the 24K+ credit limit. My FICO score is in the 750 range. I have no negative reports to a credit bureau or other financial institution. Is this the way a long term customer is treated with Citibank? This level of customer service/appreciation (or lack of) would not be tolerated at my facility. In the current state of the economy, I would think a financial institution would appreciate a loyal customer.Desired Settlement: Appropriate resolution

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: During my time with the sears credit card, I had on time payment history with the exception of Feb 2012. It was my only late payment. I paid the card balance off and they dropped my limit. Then out of no where they close my account on Nov 2012 without informing me. So I have tried countless times to get a credit forgiveness for the late payment. I even had [redacted] law firm try to do the same for me. What is really concerning is that they are or were still reporting it till this year.Desired Settlement: What I would like is the credit forgiveness for that one payment. If that is not possible reinstate my card with the original credit limit.

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 had been a CitiCard holder for several years until I received notice recently that my card was cancelled. In the letter I received, it stated that any points could be transferred from the account and used through October **, 2014. I was shocked to see that my 22616 points were almost entirely deleted (less than 100 remained). When I called to speak with the ThankYou Service Center I was told that the points had all expired. Im frustrated and angry that Citicard can send me a cancellation notice and date to use my points now, but not send me anything in writing notifying me of previous expirations. Apparently, if you dont use your card, then they will let the points expire without any notification. Thats horrible business practice!Desired Settlement: Without previous notification, Citicard should replace the points they deleted. Their practice of sending me a notice of expiration now serves as a rationale of why they should have sent one previously.

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 phone call from Citi and the representative said she would check into getting my points reinstated, but also asked me about getting a new card with Citi. I stated that I wanted to first resolve this issue before I decided to get any additional cards with Citi. Why would a company try and get you to take another line of credit with them with you are disputing an issue with them?! I then received a followup call and voice message that stated they do not reinstate points. My complaint was clearly not heard by this company. They took the time to send me a written notice when less than 100 points were about to expire, but nothing when over 20000 points are being deleted. I've read other complaints online about individual who have had this same thing happen to them. Since they have no interest in resolving this matter through reinstatement of the points they deleted, then I will continue to dispute it and be vocal with all of my business partners about ceasing their business and credit with Citi and its affiliates or subsidiaries. Do not do business with this company or have credit with them.

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.

Consumer

Response:

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

[Your Answer Here]Citibank and Thank You Rewards have failed to resolve my complaint but, based on their communications, there is nothing that can be done to resolve the issue since they do not reinstate points that were deleted. It does not appear that there is anything that can be done to resolve this issue. I no longer have any Citicards and will never do business with them again. Further, I will share this experience with colleagues and friends so they steer clear of any Citicards, or Citibank cards or business. Recently, I was making a purchase with Sears and discovered that their card is a Citicard. I went with a different card for this purchase even though I could have received a 5% discount on the purchase through Sears. I've told Sears about my complaints against Citicard.

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

Sincerely,

Review: I purchased a computer at a [redacted] store on January **, 2013. At this time, I was persuaded to sign up for a [redacted] Credit Card on the representation of the salesman that there would be no interest for 18 months, as long as I made timely payments. In connection with this the statements I received from the credit card company said that the promotion I had received was "No INT W/PYMTS for 18 MOS."In my last statement, it was a surprise to find out that the the promotion I was given was not "no interest" but "deferred interest." And that on July **, 2014, my interest had suddenly jumped from $0 to $580.17. I called the credit card company but they told me that I was on a "deferred interest" promotion all along and should have been aware of this based on fine print. I believe this to be a fraudalent and consumer deceptive business practice as I was both orally told and it was written on my bill that the promotion I had was "NO INTEREST for 18 months." Therefore, based on the consumer deceptive activities, I am requesting a full refund of $580.17, or in the alternative, I am requesting an adjustment of the interest on my bill so that no interest accrues before July **, 2014, according to the "no interest" promotion that I signed up for.Desired Settlement: Based on the consumer deceptive activities, I am requesting a full refund of $580.17, or in the alternative, I am requesting an adjustment of the interest on my bill so that no interest accrues before July **, 2014, according to the "no interest" promotion that I signed up for.

Business

Response:

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

Review: A fraudulent charge was applied to our credit card 05/**/14 for Bass Pro Online - $266.37. [redacted] filed an email dispute on 6/*/14. The charge was removed. On 07/**/14 the charge was added back to our account and a letter was sent to us with a copy of the charge stating we had 10 days to dispute it further. I called on 07/** and spoke to [redacted] who said she will finle another dispute and asked me to fax a letter stating we do not recognize the address to which the product was sent. I did fax a letter on 07/** saying we do not recognize the ship to address on this card and we did not make this purchase. I also asked [redacted] to cancel this credit card as fraudulent and set up a new account, which she did, and the balance was transferred to the new account. On 08/** another letter was sent to us by [redacted] stating that this is not a new charge, it was reversed in May, and added back 07/** to our account. The letter said nothing about the fax I sent (as requested by [redacted]) nor anything about the continued dispute. In addition to ignoring my fax, and never refiling the dispute as promised, they threatened me with a report to the credit bureau if I did not make payment. I called on 08/** and they said they couldn't do anything because the department was closed. On 8/** I spoke to [redacted] who said (along with other reps) that it looked like my fax and their letter crossed in the mail, and they would take care of it. [redacted], on 8/**, said my issue was in "disputes" and it should have been in "fraud", she would re-open the case in "fraud", she said that she would take ownership of the issue and have it resolved (as did other reps). She said they did receive the fax they requested I send. As of today, this fraudulent charge is still sitting on my account. Although many reps apologized and said this was mis-handled and it would be taken care of, nobody has taken care of it. I have spent hours on the phone in addition to sending a fax and being disconnected and placed on hold.Desired Settlement: I would like this fraudulent charge of @266.37 for Bass Pro Online removed from my account for good. I would like written correspondence that it has been removed and will never again appear on my account, and that my credit reports will not be affected as a result of the charge and mishandling thereof.

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 paid off my credit card on September [redacted]. In full. They charged my on the [redacted] of September just under $17 in interest fees. Even though the card was paid off in it's entirety. It is heinous that they will charge interest to a card paid off before it's due date. Banks have become leeches on people nickeling and diming them out of their last cent. Paid in full and still trying to squeeze a penny out. Its insane to me that if a person pays off their card - banks feel the need to still charge their clients interest and lose their business.Desired Settlement: Refund of the interest charge and cancellation of card. Also want acknowledgement of refund of interest charge and cancellation of card.

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] granted an extension to a promotion and refused to honor extension when I attempted to pay balance in full.

I purchased items using a promotion for 24 months of deferred interest. When I received the statement with the interest applied when the promotion was over, I called customer service (on 8/**/14) to request an extension. I was granted an extension until 9/**/14. When I had not received payment for stocks I cashed in on 9/**, I called and was once again shown leniency and was told I would need to pay 4215.00 by 10/*/14 in order to pay the account in full. When I called to pay the account in full on 10/*/14, I reached [redacted] ([redacted]. ID number [redacted]) who repeatedly informed me that it was my legal responsibility to pay the balance in full at the end of the promotion and extensions were courtesies and not legally binding. She stated that there was no record of my call on 9/**, yet also stated that she had checked with the person I spoke with on 9/** and he did not have anything in his notes about an extension. When I made a mistake and miscalculated the days between 9/** and 10/* as 10 days, she stated that the extension was up. When I acknowledged my mistake in calculating the days and made it clear that I was given until 10/*, she once again stated that there was nothing in the notes to indicate that I had called on 10/** or that an extension was discussed. She refused to transfer me to a supervisor or give me information regarding how I could contact a supervisor. She would only offer a fax number where I could fax a letter regarding my concerns. The calls at [redacted] are recorded--or at least the public is informed that calls are recorded when a call is placed to customer service. The recording of my call from 9/**/14 will proved that I was indeed granted an extension until 10/*/14 and I was told that 4215.00 would pay my balance in full if paid by 10/*/14.Desired Settlement: I want to be allowed to pay 4215.00 for my [redacted] account to be considered paid in full.

Business

Response:

Due to privacy concers we are unable to release customer information to the Revdex.com. We responded directly to [redacted] on October **, 2014 regarding his concerns.

Review: I purchase a time share ( the [redacted] in Mexico). The purchase was a complete fraud. I called citi the credit card company right away to inform them about the situation. They stated they would stand by our side, and we had 30 days to dispute. We explained and sent them all of our paper work insuring that this was a fraudulent purchase . they sadly turned there backs on us, when they could have just stopped the transaction. This was a $14,650.00 purchase, which is a large sum of money! Citi final reasoning, Fraud is someone stealing my identity, not purchasing a bogus package. They just threw me under the bus after being with them for 35 years with exellant standings. Starting November [redacted] 2014, they want me to start making payments on the $14,650.00 AT 29.9% interest on a company that does not exist.Desired Settlement: to be refunded the $14, 650.00 dollars.

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:

[Your Answer Here]I have

sent all paperwork that I sent to CITI c/c when I started the dispute

it is so black and white and I am also wondering why CITI did not do the

CASHBACK .............. The contract is not even signed and the

acknowledgment form was never signed our contract price is wrong we paid

14,650.00 ..... we bought a 3 bedroom 3 bathroom Executive Villa not a

1 brm 1 bath Studio In this paperwork [redacted] was the salesmen and he

also admits that it is a scam.... [redacted] told us that if we were to

book a trip thru Global Travel Service we would get to the Resort and

their would be no reservation for us and we would be out whatever Monies

we sent to Global Travel Service . When we did call to try to cancel

within the 5 day we were told by the [redacted] at GTS that he would lose

his job if he cancelled this and that we signed a wavier that stated we

could not cancel the CONTRACT and that it was just to bad and that he

couldn't help us ...and that he is just collecting the money owed to

their company ...I have been with CITI since 1984 and have excellent

credit and with our other timeshare we bought 10 years ago we had no

problems we had information and newsletters sent to us we could always

get a hold of someone .... with this one I just knew it was a scam when i

talked to the person from Global Travel Service and Premier Property

Management both of these bussinesses wanted more money and you could

never get ahold of them and when you did and told them your name it

would be disconnected CITI knew all of this and they still let the

transaction go thru even though I told them it was a big SCAM

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 will not pay unfair late fees - $25.00 billed to me on November*. I could not make payment on November * online and payment only one day late. I have been regular on payments a majority of the time.Desired Settlement: Refund $25.00 Late fee and any raise in APR.

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?