Citi

Review: I have a credit card through [redacted] and have not been receiving my statements until payment is past due. Have been 1 day late on 2 payments now.

I have an excellent credit history but recently opened up an account through [redacted]. I have not been receiving my statements until late and have been late by 1 day on 2 payments.Desired Settlement: Late payment history

waived.

Business

Response:

We responded to the customer on May **, 2015. If the customer would like to share this information they can provide a copy of our response to the Revdex.com.

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] 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: 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: Last January *, 2015, I went to a Citibank branch located at [redacted] to pay a 200 dollar cash as payment for my Simplicity Credit Card issued by Citibank. The Teller received it and gave me a receipt but it took several minutes because their system was down at that time. I received the billing for February 2015 and it was okay. It was indicated: 1/**/15 "payment received, Thank you"... But in the next billing for March 2015, payment was indicated:1/** and 1/**/15 "reverse payment posted in error". They said that payment never made it to them (Citicards). So, I believed that the $200 is in the Citibank. It's been a month now since I complained about this and their investigation of this matter is very slow or they seemed not interested in looking to it. Please help me look into this because I don't want to lose my hard earned money disappear just like that.Desired Settlement: DesiredSettlementID: Refund

Return the amount of 200 dollars to my account or pay it to my credit card.

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 received a prepaid VISA Debit Card through Citi for donating [redacted] at my local donation center. They specified that I could withdraw my money once a week free of charge and that all other transactions after that would come with a fee. I withdrew my money at the ATM they told me would be free, a Citi ATM, but could only pull $40 of the $50 on the card. I was paid again the following week another $50 which would make my account balance $60. I went to withdraw my cash a week later and it said insufficient funds. I checked my balance and a $1.50 fee was applied for using the ATM. I check my paper work I received and nothing was said about a $1.50 fee and also contradicts the centers instructions on how to withdraw my money. I called Citi and to report a fraudulent charge to which they said sorry but it is not fraud. I explained fraud to them and outlined my situation to which said "It is not fraud" I replied "That's convenient for you" they replied "Thanks for calling Citi, goodbye".

They are stealing from people a little at a time without any hesitation even though they people that pay say cash withdrawal is free and should be.Desired Settlement: Give me back my $1.50 and don't charge a fee to use a Debit card, not a credit card, to get cash from an ATM that is not logical and deceitful.

Business

Response:

May *, 2015 Revdex.comCase # [redacted] To Whom It May Concern: Citi® Prepaid Services received the complaint submitted on April **, 2015 from [redacted] regarding transaction fees that were applied to his Citi Prepaid Services card which was issued 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. Upon review, Citi Prepaid Services determined that the issue encountered by [redacted]’s ATM transaction on April **, 2015 was the result the cardholder requesting a $50.00 withdrawal during the ATM transaction but an ATM transaction fee of $1.50 would have brought the available cash balance amount to less than $50.00. This prepaid card that you inquired about has associated ATM fees according to the terms and conditions of this card. While the cardholder was informed that there are fee free ways to access their funds per each donation, they are also informed that an ATM transaction is not one of these methods. Accordingly, An ATM withdrawal fee of $1.50 was charged on April **, 2015 and on April **, 2015. It has been determined that no unauthorized transactions have taken place on [redacted]’s account, as his transaction do not show any activity other than the ATM transactions referenced. [redacted] has the opportunity to review the terms and conditions/fee table reminder found on the cardholder website access. We called the number provided on April **, May * and May * and left voicemail messages. [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. We regret [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], CS OperationsCiti® Prepaid ServicesCiti Treasury and Trade Solutions(P) ###-###-####(F) ###-###-####[redacted]

Review: I have been with Citicards since 2011 and have never missed on a payment to their credit card. In the last two days I made a payment of $1500 into my credit card in order to be able to purchase an international airline ticket to go see my father who is in his death bed. However, as soon as the payment of $1500 cleared, their computer system took the money and reduced my credit limit with "NO PRIOR WARNING" and I am left with one $102 credit. I called their billing and account services and was told that they will NOT reverse their credit decrease nor will they refund me the $1500 to be able to go see my sick father. I am very disappointed and hurt that CITI will allow a computer system to play and change people lives in a blink of an eye without any care of the situation of that individual. The basically took my money that I was saving for the last couple of month to be able to travel and see my dad before he past away. Who does that.......I am totally devestatedDesired Settlement: I would like CITI to either refund me the $1500 so I can be able to purchase the airline ticket or reverse their credit limit decrease in order that I can have an available credit of $1500 to be able to purchase my ticket.

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: Sent 2 checks: check #[redacted] dated 6/**/2014 Vantage west credit union.$70.00

check # [redacted] Chase Bank.$70.00 they gave me credit for only one.

been trying for 6 months to get credit for one of the checks. The checks cleared Citi bank 6/**/2014

and stamped by Citibank. I have called them and spoke to customer service and [redacted]. I have sent them 3 faxes of the checks they requested, and every month I have called them. they have given me nothing but excuses. I want them to give me credit of $70.00 for the payment for June. Citi bank cannot keep my money. The payment for June was $140.00Desired Settlement: give me credit for the payment Of $70.00 the payment was $140.00 they gave me credit for only $70.00

Business

Response:

We have corresponded directly with our customer as of December **, 2014. If you would like to further discuss the resolution, may I suggest you contact him/her directly?

Review: I have held an account with this bank for many years and without cause my account was cancelled effective * September 2015.

When, as requested by email, I called the bank, they DID NOT KNOW WHY IT WAS BEING CANCELLED. I received the original email notification to call the bank from NURIA R[redacted]

CDD Fullfilment unit.

Los Angeles, Ca. I had a contract for services with [redacted] which they unilaterally broke without cause.Desired Settlement: Restoration or continuance of checking account and services as per original contract.

Business

Response:

Dear Complaint Department: We confirm receipt of your letter dated July **, 2015, regarding case ID [redacted]. Please be advised that we will address the complaint directly with [redacted]. Thank you for your communication and should you have any questions, please call us at ###-###-####. Sincerely, Gregoria R[redacted] VP,Customer Advocacy and Response Team [redacted] USA

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:[redacted], CITIBANK, did not disclose the REASON for cancelling their customer accounts which is universally eported as MONEY LAUNDERING.

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

Sincerely,

Consumer

Response:

At this time, I have not been contacted by Citi regarding complaint ID [redacted]. They have retaliated by not utilizing my recorded summer address and then blocking my transfer requests from my account. This summer address is on my profile at their disposal.[redacted]

[redacted]Sincerely,[redacted]

Review: Last summer August 2014 I requested to close this account and put the account in a fixed lowered interested "liquidation" payment program. The first 12 months of this program payment amounts were auto drafted. Since July 2015 will be month #12, I called to find out what to do starting month #13 and was told that the account is on a temporary program (not permanenent as I requested last year), and I would need to re-apply although my payment APR will increase to 19.99% (almost 7 times what it is now, on a closed account). I was not given the programs diclosures when I closed the account last year regarding "points", of which corporate got involved and corrected this after I filed with Revdex.com for not being disclosed the terms of the program. It appears this is the same problem now in regards to the terms of the program and being under the impression by [redacted] that my account was on a permanently lowered interested liquidation program as I closed my account (due to on going medical expenses). [redacted] also told me that the notation said my medical was only short tetm which is not true. I simply cannot afford a minimum payment that may be 7 times higher was a jumped up APR on a closed account. I am very diligent in maintaining my account is paid ontime and do no want there to be a problem maintaining my good standings.Desired Settlement: DesiredSettlementID: Billing Adjustment

Permanetly lower my APR to the terms that had been agreed upon when I first closed the account; NOT increase it after 12 months to 7 times higher than what it currently is- on a CLOSED account; per my request when I inititated the closure last year. Also, I recieved a letter from corporate deferring me to collections: this is NOT a collections issue. I also got a letter from corporate stating that there are no inaccuracies on my credit report : I never c

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: Involuntary unemployment policy refund ($448.37) not received by Onemmain as stated by Triton Ins company letter dated 8-**-13

I had taken a loan out with Onemain for $5,000 I was staying current on my payments and then I lost my job. Part of my loan included involuntary Unemployment policy. at the time I became unemployed the ins co (Triton) contacted me and I filled out all the paperwork needed for this policy to kick in to help with payments. Come to find out I did not fit the qualifying stipulations for this and I was deniened benefits. Triton Ins wrote me letter on 8-**-13 stating this and I was also in tilted to a refund of $448.37. There letter states they sent Onemain the same letter instructing them to refund my policy money. (triton account claim # [redacted]) On 8-**-13 I got a letter telling me my account has been moved to the NC office [redacted]. (Account # [redacted]) On 10-**-13 I wrote Onemain a letter asking what is going on with my refund? and also reported my address to them. I had given them 30 days to respond and I have not heard anything at all. I called Triton Ins and told them I have not received any money back from Onemain and they told me I was clearly owed that money and to contact Onemain which I have done and no response at all.

The documents I sent on 10-**-13 was a copy of Tritons letter to me stating the policy refund was due back to me by Onemain, a copy of Onemains letter to me saying there were transferring my account to another office, a copy of my bill, and my typed letter to One main. I have made it clear I would be contacting Revdex.com and states attorney generals office.Desired Settlement: $448.37 for the involuntary unemployment policy I paid on and was not approved for once I became unemployed and Triton Ins Company clearly states in writing I am due.

Business

Response:

Review: I got a call from [redacted] in 2014 asking me to renew my snowblower warranty which I did but when the [redacted] person asked to charge to my card on file I thought he meant my [redacted] Visa card but instead they charged it to my Citibank [redacted] Card which I never activated nor took out of the envelope. This bill went unpaid as I did not receive a bill in the mail or a statement. One day I get a call that this bill is overdue from Citi Cards and was 2 months behind so I paid it over the phone that day and they were understanding to the circumstances and saw that except for this warranty charge I never used the card and credited me one month of late fees(out of the 2) . Because I never used/activated this card while I was on the phone with them after completely paying it off I closed the card/account. For the last few months I keep getting calls from Citi cards that I owe them $4-$14 due to additional charges. The customer service rep was able to get credit back / waive around $10 since I paid the card completely off and closed it that day but for some reason Citi Cards has not neen able to get rid of $4 that keeps popping up on this closed and paid off account. Today I got a call from [redacted] which I know is a collection agency as they are a client of my [redacted] business. The embarrassment with my client that Citi Cards has caused me is unforgivable.Desired Settlement: Citi Cards needs to ensure this $4 that no customer service rep or their manager seem to be able to get rid off disappears forever. Secondly, I want an apology from Citi Cards due to the waste of time on numerous occasions I have to explain the story and review my account with a service rep and the embarrassment Citi Cards caused me with my client due to Citi Cards system issues. Third, I want Citi Cards to assure me that my credit score and credit record was not impacted by their issues. Lastly, I want my address and phone numbers added to Citi Cards Do Not Call or Contact lists for any future credit cards, services, banking products/ services, etc.

Business

Response:

consumer complaint #[redacted]We are responding directly to our customer through the [redacted] case submitted. If you would like to furhter discuss the resolution, may I suggest you contact him/her directly?

Review: I have student loans with Citibank, N.A. For the years of 2011 and 2012, Citibank failed to send me Federal Tax Form 1098-E. As a result of the untimely delivery of these forms more than a year later, I am expected to take my time and resources to amend my tax forms. This costs me money in the form of the taxes I paid and it costs me money in the time I must devote to handle this matter. As a practicing attorney, my personal time is valuable and far exceeds the $300 reimbursement that Citibank has offered -with proof of receipts for services rendered by others and neglecting to consider my personal time and efforts. What Citibank has done was irresponsible and it's current attempt to remedy the situation is annoying and only raises a flag of concern that could have been avoided.Desired Settlement: I want them to be responsible for obtaining the records necessary to ensure that I do not need to modify my tax returns for the years 2001 and 2012. They have tax experts on hand but in a very limited role. I want Citibank to dig up my tax transcripts, which I am unable to get from the government online and review my interest paid and take care of this. I should not have to devote my personal time to looking into this matter.

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: Balance transfer was completed through another financial institution to pay off balances on the citibank cards one of which erroneously was not paid.

On June ** 2014 two balance transfers were completed through [redacted] for Citibank's Credit card #[redacted] (Card A)and [redacted] (Card B). Card A for the balance of $5,050.16 and Card B for the balance of $2,710.00 were paid according to [redacted] and the statement we received. We were also charged for the transfer interest for both balances. Several months later after initiating and completing the transfers, we started to receive calls from Citibank stating that we were late in payments and were incurring late and interest fees. After several attempts of calling both institutions back and forth trying to resolve the issue, no resolution was granted because Citibank nor [redacted] recognized their mistake and took ownership of the problem. Our credit has been seriously impacted because of this issue. An investigation on Citibanks credit card (B) will show that the balance on the card is due to the late fees and interest that have been charged on the card after this incident. Not only has my credit been negatively impacted by a bank's mistake but also my daughter [redacted] who is an authorized user on the card, was also affected by this. Her credit plummeted 40 points days before she was ready of closing on her first home, this in turn caused her PMI to go up and having to pay $75 more a month for the duration of the interest payment of her home.Desired Settlement: We are requesting that the balance left on the card be settled and for the negative hits on our credit to be completely cleared. This is our last attempt for resolving this matter before we seek legal assistance. Thank you.

Business

Response:

[redacted]Complaint #[redacted]We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him/her directly.Thank you,[redacted] Executive Response Unit?

Review: 2012 purchase for $675 w/36 mths int free - 2015 get int chrg 680.13 - they have been applying pymts to more recent purchases rather than 2012 purchas

In 2012 I purchase an item from [redacted] for $675 w/36 mths interest free. 2015 get an interest bill for $680.13 for deferred interest charge. My outstanding balance prior to this int charge was only $700. I called and complained. The lady said they apply me payments to the most recent charges instead of the original $675 interest free purchase. So they said in the 36 months they only have applied $100 to the 2102 purchase. Now I pay my [redacted] bill on time and more every month - even if I only paid the minimum for 36 months @ $25.00 that is $900.00 which more than pays off the 2012 balance of $675.00. When I purchased originally this was never explained to me. Why would they not pay down the original purchase because 3 years down the road they bang you with this huge interest charge. I think this is outrageous to do to unaware consumers, and I bet this has happened not just to me, but other people as well.Desired Settlement: I only want that interest credited off my [redacted] account - nothing more, nothing less of $680.13, as I believe they totally mislead me in 2012. [redacted] acct #[redacted]

[redacted] customer service ####-###-#### - billing address is [redacted]

Business

Response:

We are sending our response directly to the customer on July *, 2015. If the customer would like to share this information they can provide a copy of our response to the Revdex.com.

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 yet received the company's response. They said they put their response in the mail on 7/*/15, instead of an email.

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

Sincerely,

Business

Response:

We have talked with [redacted] this morning, 7/**/15 and she has received our response.

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: Payment frequency and magical "cycle date", late payments if you pay before the cycle date because two payments show in one month

This is one of many credit card practices that seem ridiculous and probably contribute to america's problem with credit. For a few months I made 2 online payments to [redacted], thinking that would always keep me ahead and if I accidentally was late on a payment it wouldn't really matter because I was actually ahead of what was required. supposedly there is a magical "window" where you can make payments and if you make two within a 10 day period, it will not apply to the next month, instead it applies two to that month and it shows the next month you are delinquent. This is the dumbest thing I've ever heard of - penalizing people for being early??? They tell me it is the federal credit card rules, that you have to make a payment during each "cycle" - so if I accidentally pay a day early, it says I'm missing a payment. Talk about stupid - who is making these rules? I understand you don't want people missing payments but I was punished for paying early! This is just one more excuse they can use to knock you out of your special promotional rates. Someone should really take a look at this "rule" because it makes absolutely no sense.Desired Settlement: First of all I'd like to know if this "law" is really the law or if it is [redacted]'s little rule to screw over its customers. Second they should really take a look at the practical side of what they are doing. It's not customer friendly and I won't be shopping there anymore.

Business

Response:

We have corresponded directly with our customer. They should receive our response within approximately 7-10 days. If you would like to further discuss the resolution, may I suggest you contact her directly?

Review: I keep having issues with [redacted]s C.S. I have tried in Good Faith To fix the situation by continue to have no customer service provided.

Im just trying to activate my debt protection but I havent been able to since jan, If im correct it shouldnt be this difficult to be able to activate Debt Protection yet here I am still trying to figure out what I have to do. if im correct its also agianst the law for it to be this difficult to activate the account.

[redacted] I dont even know what do anymore, ive given up on this comapany & now maybe even citi, I defenitly Know what the problem is now. It's me. I keep coming back to this company thinking you guys are gonna be able to assist me, yet I get no customer service at all.

I bought a laptop with you guys & it stopped working before the year promotion period even ended, after I tried in good faith to fix the sitation with [redacted] they were trying to charge me 200$ to install a driver cd that I had & beloned to me that I brought into the store & further wanted me to wait 2 weeks for it. I tried writing a letter to you guys like it says on the back of each statment about not being satisifed with a product or service & almost got the cops called on me by your managment, Yes I have a right to be upset, Debt Protection wanted me to pay 200$ upfront then cover the cost "if it appllied" so wasnt for sure they were gonna cover it, further [redacted] knew or should have know that all I needed to do was put the cd in & it did all the work by itself. This is not customer service, at least I pray to God its not.

So ive recently lost my job in dec I was in [redacted] trying to find work but wasnt able to, debt protection would not cover me since I could not provied them with a letter from [redacted] work force. I was in [redacted] with no money to come back & I was trying to look for work I wasnt gonna come back to [redacted] on a whim that debt protection might help me. So now Im back in [redacted] & finally got the paper to fax in, I even went into the [redacted] store to fix the issues. well not I have to wait for them to send me out a letter, cause they cant email it or fax it, & then some one has to review it for about 2 weeks & thennnnnnnnn ill get a response to see if I was approve to the debt protection program? thats customer service? I wouldnt wish that on the world to anyone having hardships in there life having to worry about some lesiure credit card ;/

I have been having the same issues with the Debt Protection Program. I have been also trying since Jan. To get my payment protection to assist me since I have had loss of job,

I just want to get The Customer Service & product i'm paying for. On the back of every statement they send out says " If you are dissatisfied with the good or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.

I have tried several times to fix the issues I have been having with [redacted] going into there store to fix the situation. It is now the 3rd occasion that I have been harassed by management about calling police force, since I am upset that I can not get any customer service & have the [redacted] literally trying to steal 200$ in front of my face.

I have worked in Customer Service Since I was ** & have never ever had to call the cops on anyone no matter how upset they were, As a manager he should be able to handle the situation yet all he wanted to do or told me was to calm down or that he was gonna call the cops. I am obviously not being listened to & that is not customer service, I have only been asked for solutions on the issue's that have arisen but have never received any any solution from [redacted]. After I give them my solution they say they can not help me with that & proceed to give me the run around to the phone & in the store, by citi [redacted] & debt protection. this is not customerDesired Settlement: I can pay my own credit card but the debt protection service should cover it, It is said that it is illegal to be this hard to get debt protection, all I want is some customer service & them to be able to uphold there shady products. as it says on the back of each statement they send me out each month "if I am dissatisfied with the goods 7 services thay you have purchaesed with your card & have tried in good faith to coorec the porbelm with the merchant you may have the right not to pay the rema

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: For the past 2 months I have made my payments over the phone because I could not get their website to work. Both payments were rejected although I didn't know that till late and it ruined my budget. I pay all my bills, then not worry about them live my life and wait till the next month... So I did payments on the phone because I can get verbal confirmation that very INSTANT that my payment was accepted and overt and done with bam go on the rest of my life.. so I get online days later and I have all these emails...

Saying payment rejected and DEMANDING MONEY NOW... DELINQUENT ACCOUNT DELINQUENT this and that... after lying to me telling me my payments was accepted being confirmed by their staff HUMAN to HUMAN over the phone.. when they clearly denied payment of $300 on November [redacted]... Then THEY CHARGE ME $22 AGAIN for a "returned check" what this means I have no clue because I don't have or use checks I made a payment over the phone..Over the phone for the 2nd month in a row.....Deny my payments then charge me a $22 fee then get on my [redacted] for not paying my bill... So I spend my ENTIRE lunch break calling these guys trying to figure out why they aren't accepting my payments...then charging me fees and blowing my up e-mail box and all they could say after wasting my 1 single break I get all [redacted] day was that it was either a problem on their end or my banks.... NO [redacted] Sherlock Holmes... notice I am not a culprit for trying to pay my bills! I am not going to pay multiple fees for actually trying to pay my bill wasting my time on the phone... You know how long it takes.. multiple transfers a little automated stuff where you have no options with ROBO COP.. its not fun. So I call them again tonight [redacted] and I get some lady with a STRANGE ACCENT I can't even understand.. and shes says to me straight up... That her records show I tried to make the payment ONLINE!!!!!!! This wasn't possible as my passwords didn't even work and records for the past few months show that I call asking for help with my online account all together bypassing it and just making payments over the phone... PERSON to PERSON so you get REAL confirmation..

So in short, I am making payments with REAL PEOPLE REAL employees of Citi and not just little minimum $23 dollar stuff but $300 payments that are accepted and confirmed then not accepted when I am off the phone so they collect $22 fees and harass me calling me a delinquent for NOT PAYING MY BILLS!!Desired Settlement: I am NOT going to pay $22 fees in this Citi scam... I also want my account updated and itemized already so I can see a list of charges as my card was stolen and the balance looks higher than it was the last I actually had the card. They swiftly sent the new card and I activated it but its USELESS and doesn't work.. and I can't use it because I apparently am a evil DELINQUENT and don't pay my bills!!! Then they lady on the phone with the weird accent demanded that I make a minimum payment to get it to work... but with the last two payments being rejected and me charged $22, I'm not interested... she couldn't even confirm that I would get charged a fee again if I paid her the minimum!!

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 was charged $827 on 8/**/2103 for interest charges from an interest free promotional in August of 2010. I made payments towards that original purchase exceeding the minimum payment due to ensure that purchase was covered within 3 years. Other purchases were made during those 3 years. Instead of putting the additional payments towards the original they put them towards the total which would ensure I wouldn't have the original purchase paid off in time. This is a shady practice and if the interest charge is not removed from my account I will cut the card up and never us it again.Desired Settlement: I want the charge removed. Either they can keep the $827 on there and I will never use the card again or they can remove it and have me continue to use the card.

Business

Response:

Dear [redacted]:

We have received an inquiry from the Revdex.com of New York regarding the above-referenced [redacted], which is issued by Citibank, N.A. We wanted to take the time to personally respond to your letter as the service provided to our customers is of critical importance to us.

This letter is sent as a follow-up to the conversation that we had on October **, 2013. A purchase for $1,473.37 posted to the account on August **, 2010, which was placed in an Accrued Interest promotion that expired on August **, 2013. The account was assessed $808.37 in accrued interest during the August 2013 billing cycle due to a payment in full for the promotion balance wasn’t received by the promotional end date.

We understand your assertion that payments were made in excess of the minimum due that would have satisfied the promotion had they been allocated toward the promotion. In accordance with the CARD Act of 2009 once the minimum payment due is satisfied, any amount paid in excess of the required minimum payment will be applied to balances starting with the highest Annual Percentage Rate to the lowest Annual Percentage Rate.

In an effort to better assist you, the account was issued credit for the interest charges assessed during the August 2013 billing cycle and the September 2013 billing cycle. The interest charge credits total $857.94; the credit will appear on a subsequent billing statement. We regret any inconvenience you may have experienced.

Thank you for allowing us the opportunity to respond to your concerns. If you should have additional questions, please do not hesitate to contact us at the telephone number listed below. Our office hours are Monday through Thursday from 9 a.m. until 6 p.m. and Friday from 9 a.m. until 5 p.m., ET. Our telecommunication number for our hearing impaired customers is ###-###-####.

Sincerely,

Presidential Communications

###-###-####

Review: I was approved for a Sears Card by Citi in 2010. Since then I'd been making timely payments, however, the card expired in November 2012. I was expecting an automatic renewal since I'd never missed a payment. I called Sears Card to find out when I could expect to receive my new card. I was then told by a customer service representative that my card would not be renewed and the status of the account was closed and couldn't be reopened. The representative couldn't provide me with a reason why. She said I was the eighth person to call that day with the same issue. I continued to make payments on card that I couldn't use, and I was later put on a payment plan of $92/mo. with no interest. It is absolutely ridiculous to keep making payments on card that I can't even use.Desired Settlement: I'm requesting that the debit be forgiven leaving the account with a balance of zero.

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,

Executive Response Unit