Citi

Review: CITI was deducting money out of my checking account for about 5 years to pay down credit card debt. THEY STOPPED. NOW THEY WANT LATE FEES!!!

CITI was deducting money every month over the past 5 years or so to pay off credit card debt. This worked fined until the last payment. They didn't collect, I thought it was a mistake. Didn't collect again, next month. Get a call. Called back ###-###-#### and they were clueless. I would always get a bill stating I had paid that month. Than, AFTER NOT DEDUCTING THE MONEY FROM ACCOUNT, THEY WANT ME TO PAY 2 $29 LATE FEES & INTEREST at 29.99% (Citibankd can get money from the Fed Reserve overnight for .001% AND THEY HAVE THE NERVE TO CHARGE 29.99% on money that is owed due to their incompetence. I called ###-###-#### and the woman didn't get it!!! She had the nerve to say "You just don't understand". Than, I waited for thinking she was getting a supervisor--and I was left there. I guess she hung up on me. UNBELIEVABLE!!! THE SCAMMING AND THE RUDENESS. I told her. The agreement was that Citi would deduct each month for what I owed. Now they don't follow their end of the deal and want me to pay penalties of $60 on a balance of about $75!!!!! All because they can't get it right.

I AM ALSO GOING TO CONTACT THE NY AGENCIES THAT REGULATE BANKING ACTIVITY AND SUE IN SMALL CLAIMS COURT!!!THIS IS AN INJUSTICE!!!!!!!!!!!Desired Settlement: Written apology. They promise not to try to screw other customers who may not take it like me. And I am suing them for all this aggravation. WHO HAS THE TIME FOR ALL THIS NONSENSE. I HAVE A LIFE AND WORK VERY LONG HOURS AT WORK!!!

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: 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 went to [redacted] in [redacted] and [redacted] the sales person sold me roofing material. I ask the [redacted] at the customer service desk if I can pick this up later since had no truck in which to put the material. I was told that I could return and even received a call later from the [redacted] as to when I would pick up my product. [redacted] billed me promptly. I paid on my product and when I was able to get a truck/help to pick up my product the [redacted], [redacted] did not have the product available. I was told that I could pick up my product at the [redacted] at the [redacted] ave location in Omaha NE. I got to that [redacted] and then was told I had to pay for the product even thought the [redacted] called and told me it was ok to pick the product up. I allowed the [redacted] to put the item on my account and took the product. I paid in full for the product I received and returned to the [redacted] in [redacted], Iowa and spoke with the [redacted] of the problem and was told that they corrected the error since I partially paid on product and did not receive what I was paying for from the [redacted]. I did not receive two products of roofing material. I wrote a letter explaining the problem and all [redacted] did was send it to collections from [redacted] I want all collection calls and letters to stop. I paid [redacted] for their product and tried to work with them on the issue and all that was done it to send it to collections.

Product_Or_Service: Roofing Material

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

I want [redacted] to end any and all Collection calls and letters. They are using [redacted] at [redacted]. I want [redacted] to accept the payment amount they received from me and train the people they hire to understand how to problem solve instead of creating the problems. I want the business dealing between [redacted] and myself to be final.

Business

Response:

We responded to the customer on June **, 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: On October [redacted], 2015 I purchased four new tires for my 2011 Nissan Sentra under the promise/advertisement that I would receive an $80.00 rebate for paying with my [redacted] Credit Card once all of the rebate paperwork given to me by [redacted] was filed. I filed my paperwork via the online [redacted] Tire Rebate site. On November [redacted], the status on the site was that the rebate had been paid, but I had not received the rebate (via visa card) in the mail. I contacted [redacted] on December [redacted], 2015, which in turn directed me to Citi bank to report that my rebate was not received. I contacted Citibank on the same day and was told that the card had been sent back to them by the post office for an invalid address. I informed them that I have always received all of my mail, bills (including bills and cards from Citi bank), and packages at the address provided without issue since I have lived at this residence. I verified the address on file, even spelled it out to make sure it was correct and was told a new card would be sent out and should be received within 7 - 10 business days. On December [redacted], I called Citibank to inform them that I still had not received my rebate. I was told the card was mailed out on December [redacted] and the rebate should be received by the end of the week. Today is December [redacted], 2015 and I still have not received the $80.00 rebate. I called Citi bank and informed them again that I still had not received the rebate. I was told that I needed to talk to the post office because they sent back the very first card and said my address is invalid. I informed the representative I was speaking with that my address is not invalid. I receive all my mail, bills (including those from Citibank), packages, etc at the address I provided without issue. The only thing I have had an issue with receiving is the rebate. I asked about other options and was told I could provide a new address or wait to receive another card in the mail at the address provided. So I agreed to receive another card, which "should" be here in 7-10 business days. The only reason I purchased tires from [redacted] was because of the appeal of the promised/advertised rebate. If I would have known that the rebate would not be honored, I would have bought tires elsewhere. This is the last time I will ever provide my business/spend my money on anything dealing with [redacted]. Once I pay off my [redacted] Credit Card, I will be closing it along with my other accounts associated with Citi bank.Desired Settlement: I am seeking the $80.00 rebate that was advertised and promised by [redacted]/Citi bank since I completely my portion of the deal by buying new tires with my [redacted] Credit Card and filed the necessary paperwork.

Business

Response:

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

Review: I [redacted] am a plasma donor at [redacted] in [redacted].

On 6/**/2015 I got paid, $40 for my plasma donation. I went to [redacted] as I always do after donation to get cash back off of my [redacted] citibank prepaid card.

I bought a 1.29 pack of gum that transaction went through. I then tried to get cash back for $40.00 my request was declined. I tried to get cash back to get cash back for $39 that too was declined. So I called citibank and the corporate department told me that I needed to inform the [redacted] manager that she needs to fax over some information. Which includes, my name, account#, exp date of my card, amount date of transaction, authorsation code, [redacted] letter head statement from manager saying that [redacted] will not settle on transaction and manager signature.

As Of 06/**/2015 The manager of [redacted] called me and told me that she faxed all the information. I then made a conference call to cotibank. The citibank corperate office told me and the [redacted] manager that the authorasation code was invalid which is a lie because I have the [redacted] report with me.Desired Settlement: I want citibank to release my $39 to my card ASAP (Not In 8 Days)

Citibank reps has treated me with nothing but lies and disrespect. No wonder why citibank prepaid is not Revdex.com acredited, because cotinank prepaid lies to us customers, steals and holds money from us [redacted] plasma donors because citinank feels that they can get away with treating us plasma donors like the ground they spit on.

Business

Response:

June **, 2015 Revdex.comCase # [redacted] To Whom It May Concern: Citi® Prepaid Services received the complaint submitted on June **, 2015 from [redacted] regarding a prepaid card issued by Citi Prepaid Services on behalf of [redacted]. As a business that aims to provide a positive cardholder experience, we endeavor to resolve all cardholder issues in a thorough and satisfactory manner. [redacted] describes the inability to receive $40.00 and $39.00 cash back after making a purchase for the amount of $1.29 due to a temporary hold being placed on her funds. She also references the difficulty in having this temporary hold released. After reviewing [redacted]’s account history, it was determined that cardholder’s account balance on June **, 2015 was $39.22. [redacted] completed a transaction in the amount of $1.29 bringing the account balance down to $37.93. Subsequently, she attempted to complete a transaction in the amount of $39.00. This transaction did not settle and was placed in a temporary hold due to the merchant, for an unknown reason, not completing the transaction. We requested a letter from the merchant to release this pending transaction/held funds but the merchant did not complete the early release form correctly. The temporary hold on these funds was released on June [redacted] and the cardholder has proceeded to conduct subsequent transactions. [redacted] may contact a dedicated service agent at ###-###-#### between the hours of 9:00 AM and 4:00 PM EDT, Monday through Friday to discuss additional questions or concerns surrounding this inquiry. We regret that [redacted]’s dissatisfaction with this situation. If the Revdex.com should have any additional questions, please feel free to contact me at the number and information found below. Sincerely, [redacted], [redacted]Citi® Prepaid ServicesCiti Treasury and Trade Solutions(P) ###-###-####(F) ###-###-####[redacted]

Review: I signed up for two different Citi cards ([redacted] and [redacted]) about two weeks ago. Last week and earlier this week both arrived. Since then, I have had a plethora of issues: endless website errors, subpar customer service interactions, and even a fraudulent charge.

I have not used either card yet and the only time I shared the card numbers are during activation (online for [redacted], the breached card, and over the phone for [redacted]). The charge was for 91 cents to a Yacht Club located in Canada. In my opinion, if the first charge on an account is in a different country than the billing country, it should be flagged as fraudulent. It was not, and I was surprised to see a balance when I logged into my account.

I've contacted both [redacted] (unrelated) and Citi regarding the rewards program on my [redacted] card. Both representatives were unhelpful and regurgitated the information I already knew -- the information I had a problem with. To be specific on the Citi chat, I signed up for the card due to a promotional 50k miles reward. The day I received the card, I received another letter saying I could sign up for the same card and get a promotional 60k miles reward. I wanted to ask a representative if I could get this promotion applied to my account, but [s]he didn't seem to understand my request. All in all, not a big deal but a little misleading and left a little bitter taste in my mouth.

Finally, the website issues I've occasionally encountered:

- I can't click "Credit Cards" to log in to my account from citi.com

- going to citicards.com will show an error "000: Blank"

- logging in will give the error "We've encountered an issue and are working to fix the issue."

- trying to send a message via my [redacted] card says that "This feature is not available for the account."

- filing a dispute for my fraudulent brought me to a blank page

- clicking "What's my Hint?" for my "Security Word" gave me an error saying the request was invalid

- I wasn't able to activate my [redacted] card online

- [not the website] the phone tree for activating my [redacted] card couldn't understand me

- I'm sure there's more I don't rememberDesired Settlement: I have already requested for my two cards and account to be closed; however, I do think Citi owes me (and other customers) a formal response. I'd like for Citi to research how my card's security was breached without ever being used and only being activated for less than a week. I'd also like for Citi to explain what steps they take to detect fraud, since a charge to a yacht club in Canada should look suspicious on a brand new account located in Missouri. Finally, I'd like for Citi to commit to fixing their abysmal and unusable website. A credit service without a reliable website is practically unusable in today's world.

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 have determined that my complaint has NOT been resolved because: I believe that "corresponding directly" was referring to the two brief and generic messages I received from customer support when closing my account.I filed a Revdex.com complaint because the reasons regarding the closure of my account had extraneous circumstances that I believe deserved a more in-depth response and research from the team at Citi. To re-iterate my initial request, I was wanting Citi to 1). explain how my new card's security was breached before I even used it, 2). explain what measures are in place for detecting fraudulent charges, and 3). provide some commitment towards fixing the plethora of issues affecting their website.The responses I received from Citi customer support (attached) when closing the accounts do not address any of the above issues and I am still awaiting a response through this Revdex.com complaint.

Sincerely,

Review: I am writing to you concerning the terrible experience with my Citi Personal [redacted] ending [redacted].I got this new credit card in the middle of Jan. 2015. When I opened this credit card account, I was using an offer I got form Citi website with an opening bonus (spending $3000 in the 1st three months for 50,000 ** miles). After my statement (Apr.), I have already met the $3,000 spending requirement. However, I did not get the bonus miles in my [redacted] account [redacted]. I called the card member service a few times. Each time I got a different answer such as miles taking some time to post, ** website have some problems with posting miles and etc. I also been transfer to [redacted] (the airline side) phone number for the details. But ** can not give me any answers either.I waited for another month. However, till now after the new statement (May) I still did not get the bonus miles in my [redacted] account. I called the card member service again yesterday. They are just repeating the same words and told me they don't know why and I should call other number.

Product_Or_Service: Citi [redacted] credit card

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

give me the opening bonus 50,000 [redacted] miles as advertised

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 have determined that my complaint has NOT been resolved because:

[Your Answer Here]the business has not contacted me yet. Please ask them directly contact me by email: [redacted]

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

Sincerely,

Business

Response:

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

Review: I have made several attempts but Home Depot Credit services failed to issue a check for the credit balance of $953.49

A/C#:[redacted] I have made several attempts but Home Depot Credit services failed to issue a check for the credit balance of $953.49Desired Settlement: Issue a check for the credit balance of $953.49 with overnight mail

Business

Response:

We have corresponded 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 have determined that my complaint has NOT been resolved because:

[The company has failed to completely refund me money that they owe]

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

Sincerely,

Business

Response:

We have responded to the customer today and they will receive our response within the next 7-10 days.If the customer would like to share this information they can provide a copy of our response to the Revdex.com..

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: 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: 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: My complaint is against Citibank Credit Cards, [redacted], tel: ###-###-####

Review: over-drafting my checking account by $450 and not reimbursing fees ($136).

Statement:

On November **, 2014 Citibank overdrafted my [redacted] checking account by $450. I called them as soon as I found out (Nov **?) since my account received 3 fees from [redacted] for the error (a returned item fee plus 2 insufficient funds fees) totaling $102. I mentioned more fees would accrue to my checking account until they reimbursed me for the $450 plus fees. I was told it would take 7-10 days to process, and I needed to fax details of the fees which I faxed on November ** at 1 pm.

Almost immediately Citi refunded the $450 directly into my account, on November **.

Weeks went by and I called a couple of times inquiring about my fees refund. My records show a call on Saturday Dec **, 2014 around 11:10 am EST. After several internal transfers, I spoke with [redacted], an [redacted]. She had notes of my previous conversations and noted I had called on Nov ** to complain of not receiving the fees refund. She said the check from Citi for $102 was sent but was returned by post office. She said Citi re-sent another check on Dec **. She seemed to not be clear on my mailing address. I clarified my address and noted I have received mailings from Citi to it in the past as far back as July 2014, so it was not an acceptable excuse. She said the $102 was approved, restating the obvious, in my mind, since the check was sent.

I also told her about an additional insufficient funds fee charged to my [redacted] account on Dec *, since I can't keep covering my bills without the Citi refund. She said I would need to fax in those details, which I did on Jan *, 2015 around 5:56 pm EST, Fax sent from [redacted] bank, no less.

Friday Jan **, 2015 I received a letter in the mail from Citi stating they do not understand my most recent fax regarding the fees (see attached). I also have not received any refund yet either. How can Citibank claim to not be able to send me money when (1) they obviously can simply deposit it direct into my [redacted] acct as they did with $450.

(2) they clearly have my mail address and I get those mails, the ones without a check of course.

Note: all three faxes to Citi have confirmations of receipt.Desired Settlement: Actions requested:

Refund all my $136 of fees ASAP, direct deposit.

Please confirm this complaint is being processed.

Business

Response:

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

Review: I'm attempting to close my account and requested by cashback balance be released prior (~$25). I'm being told they'll only write a check at a $50 threshold and any balance will be forfeited.Desired Settlement: send check for remaining balance

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: Citibank took over [redacted] card accounts.

I was never notified of the ending of my promotional purchase, that is because I paid it off. I paid more a month. Citi bank took the overages and paid the new purchases. I did not want the extra money going to new purchases. I wanted them going to the past purchases. Now, they can't tell me what I've charged. Wants me to pay $800 a month, and they charged me $65 over in charges in July of this year and $410 in August. That's $475 in finance charges they tell me they can't allot to where my money in the past has gone. That is called stealing money if they can't vouch to where the monies are allotted or prove to where the monies are placed.Desired Settlement: I want them to credit my account of $475 in past finance charges. Plus another $50 for the emotional stress of being placed on hold in increments of 30 minutes at a time and spending 5 hours on the phone being transferred. I believe that is more than fair.

Business

Response:

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 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: On or about September **, 2014, I went into [redacted] Branch requested to pay off my balance on my [redacted] credit card, the employee helped me with connection to a phone call for me to talk to its credit card service who is Citi Bank to identify my personal information, I requested to pay all balance that I owed on my card account, the service representative of Citi bank card quoted me a figure and respresented that that was the balance amount to pay all balane in full, I had also asked the same representative that I need to pay in full all balance owed on this card and repeated the amount with her and asked her any late fee or other charges, she said there is no showing any late fee and that was the dolloar amount for me to pay off at the [redacted] Branch, so the [redacted] Employee took over my phone and talked to the Citi Card service represntative and got my account number and dollar amount for pay off all balance in full as requested by me, I wrote a check to the [redacted] cashier with my understanding of all balane ha been paid in full. I got a call from Citi bank today that I owed my [redacted] Card account in the amount of $105.00 and changes which including $15.00 unpaid balance of merchandize plus 3 late fees that totalling $105.00 and changes, I was shocked and told the Citi Bank lady that I did not owed any unpaid balance as I went in the [redacted] branch and requested to pay off all balances owed which was $38.00 and changes which figures was given by the Citi Cards lady on the phone and subsequently she quoted the same amount to the [redacted] Employee.

Today, what Citi cards people called me for my owing of $15.00 balance plus 3 late payments and interest became total balance of $105.00, I told the Citi cards lady on the phone that the transaction was requested by me to pay all balance in full through [redacted] employee, and Citi cards lady had failed to provide the correct payoff balance and even told me there is no late fee and I just owed $38.00 which I wrote a check and paid at [redacted] Branch. I think the Citi cards lady did not disclose to me even I asked that there was a late fee or by telling me that the payoff amount was not the minimum due that I meant to payoff all balance. Just think that It does not make sense for me to leave $15.00 balance for incurring late fees and interest which now became $105.00 which is almost 70% penalty on the $15.00 principal balance. I'd explained to the Citi cards lady/[redacted] today and she said the most is she would waive one late fee of $35.00 plus $2.00 interest, and I have to pay today the $15.00 merchandise balance plus late fee of $51.00 totalling $66.00 and change, and there is going to be another big late fee incurring by Jan. [redacted], two week later. [redacted] of Citi Cards also told me today that on Sept. **, 2014 that I called from [redacted] and asked to payoff all balances, there was one late fee should have indicated and incurred as my due date was Sept. [redacted], which is one day ago before my payment. Even I asked the payoff balance and asked were there any late fees, the lady did not provide me with the correct amount for payoff all balance nor telling me one late fee was showing on Sept. [redacted].

This is not a fair and good services and failure to disclose to me accurate information on my account.

I think Citi Cards had failed to provide me with correct payoff amount and failed to disclose to me there were a late fee and now forcing me to pay $105.00 on an overlook balance of $15.00, and [redacted] of Citi Cards threated me today if I donot pay the $66.00, there will be another big late fee adding on by Jan. [redacted], 2015, I am very upset that Citi Bank is trying to whipp off people and threatening customer to close the account and discontinued business relationship that I had with Citi Cards for many accounts over the past 30 years (they could check that I had never owed any balance on my other Citi Cards credit card) Forgot to provide you with the credit card account no. Which is [redacted]/last 4 digit Citibank said my purchase transaction was 53.00 minus 10.00 gift card or coupon, balance was 43.00,, yet when I went in [redacted] and asked for payoff all balance on Sept. [redacted], 2014, they told me to pay 38.00 and change, which was an incorrect amount quoted for me to pay, how could I leaving $5.00 not paying to incur all late fees and interest, it does not adds up either that I owed $ 15.00 plus $90.00 of late fees and interest, it does not make sense, 43.00 minus 38.00 payment made outstanding balance of $5.00, but they said $15.00 balance , that means they even took away my $10.00 gift card as they admitted that was deducted from the original 53.00 purchase transaction, City bank's messed up all those balance and failed to disclose to me on Sept. [redacted] payoff balance day is like a fraudulent action to me and hurting my credit.I am an elderly and not in good health, I am very upset for Citib as no hurting my credit history, all of my credit cards balance are zero and paid in full every month for the past 30 years, City bank has my other accounts should be referenced and proof of my credit.Desired Settlement: To delete all 3 late fees and interest for Citi Cards representatives overlooked and misled amount for customer when requested to have account payoff through [redacted] /Cashier.

I was out of town until today I foond this Citi Cards unreasonable late fees and charges of 400% on a $15.00 misled balance.

And I will pay the $15.00 missed by Citi Cards representative and save my credit history.

Please verify with all of my other Citi Cards accounts were alwasy paid in full every month and with zero unpaid balance and never had to pay any finance charges, Citi Cards should have all of my personal references on all other Citi Cards /Credit Cards accounts, and I do Not want to damge my credit history which was caused by Citi Cards employee's error.

That could also caused a loss of a good customer of Sears

Business

Response:

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

Review: I'm sending this complaint to Citi Prepaid Card department (###-###-####). I have this $20 rebate card from [redacted] from 2013 after a 6-month battle with their false promises and lies (had to resubmit twice). Then we went through a series of life-changing events in the past two years, became a mother for the first time, moved into a new house, changed job. It was really a chaotic and busy year, and this card got buried with my stockpile of replacement credit cards that I did not get to activate. I found out the other day after finally having some time to clean up and noticed that it expired 03/2014. I thought it should be fairly easy to get the money since [redacted] paid the money already to Citi for this rebate card. Plus, I've been a Citi card holder (credit card) since 2005 and have had nothing but great experience with Citi. However, my view was totally changed after multiple rounds of interaction with Citi prepaid (both phone and email), there wasn't a single taste of compassion or willingness to help, knowing my situation. This was a total failure of customer service if you ask me, now I think Citi is no better than those deceptive firms, who just steal people's hard-earn money for no good reason. I'm starting to question my decision to let Citi handle three of my credit cards and over 30k line of credit. I hope reps from Citi can see what damage the Prepaid department has caused in terms of their lousy attitude. The card number is [redacted] six five four 2, exp 02/**, security code: [redacted].Desired Settlement: $20 check

Business

Response:

August **, 2015 BetterBusiness BureauCase # [redacted] To Whom It May Concern: Citi® Prepaid Services received thecomplaint submitted on August **, 2015 from [redacted] regarding a prepaidcard issued by Citi Prepaid Services on behalf of [redacted] As a business that aims to provide a positivecardholder experience, we endeavor to resolve all cardholder issues in athorough and satisfactory manner. Afterresearching [redacted]’s complaint, it was confirmed that this prepaid card wasissued in September 2013 with an expiration date of March **, 2014. In accordance with applicable law andregulations, this expiration date was embossed on the front of the promotionalcard. It also was displayed on the cardholder materials (i.e., “valid thru 03/14”),and the terms and conditions that accompanied the card disclosed that the cardexpires on the date embossed on the card. Inthe letter [redacted] indicates that she was becoming a first time mother duringthe period that the card was valid. Basedon this fact, it was determined that, as a client accommodation, the fundswould be credited back to the account and a new card would be issued to [redacted]for the full amount of $20.00. The newcard was issued to the address of record on August [redacted]. [redacted] may contact a dedicated service agentat ###-###-#### between the hours of 9:00 AM and 4:00 PM EDT, Monday throughFriday to discuss additional questions or concerns. Weregret [redacted]’s dissatisfaction with this situation. If the Revdex.comshould have any additional questions, please feel free to contact me at thenumber and information found below. Sincerely, [redacted]Customer Service Manager, CSOperations[redacted]

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: Had blood tests performed at medical lab and charged to Citibank credit card; results reviewed by my doctor were impossibly incorrect; doctor said obviously the lab instruments were not calibrated properly or faulty and I was re0tested to reconfirm; doctor instructed me to write lab and inform them which I did; agent from lab said refund would be issued; never was after several letters and calls; disputed charges with Citibank credit card company and provided documents to support claim including test results; after two months, Citibank never contacted lab and after crediting my account, reversed credit; two weeks ago demanded a "letter from an independant lab stating the results were incorrect."; informed Citibank only my doctor could state that because he has copies of my blood test results for the past several years; Citbank refused to accept the letter from my doctor even after explaining to their corporate office their request is illogical and impossible provide; offered a solution which were the the letter from my doctor and past blood tests results; NJ Dept of Health has opened an invesitagation into the lab and I enclosed that letter as well; now Citibank wants me to pay $183.50; I have filed a complain with the Consumer Federal Protection Bureau as well. Corporate office in South Dakota, billing and Customer Services department have been totally uncooperative and unprofessional; my next step if not resolved is to file suit in NJ Small Claims Court; this matter began in January, 2014Desired Settlement: Remove the $183.50 from my statemet and issue a letter stating this credit from Accu-Medical Reference Lab is permanent and will not be changed again.

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,