Citi

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: 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: 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 have been with citibank since it used to be Calfed. It seems like their service is getting worse and worse. I'm sick and tired of getting slammed with fees especially the overdraft fees. I deposit money into my account and because its pending on hold I get hit with overdraft fees. I tried applying for overdraft protection and have been denied time after time and I can now see why. Each time you guys hit me with these stupid overdraft fees you make profit. YES YOU MAKE A PROFIT. I believe you guys are denying me the overdraft protection for this reason. My second problem is the credit card I have. I always had a problem receiving my statements/bills so I requested auto-pay. I was told by the reps that they will enroll me and yet they didn't so I got another late payment. I called and complained and was told I cannot be enrolled over the phone and must be done online so I did it and AGAIN did not work. I called again and rep said they will manually enroll me and now FINALLY I a enrolled BUT they have jacked up my rate to twenty something percent and will not lower it until, according to the rep, they see ontime payments for 6 months. I AM SICK OF THIS BANK If I can give negative ratings I would. I'm at my last breathe with this and if they do not refund me ALLLLL of my overdraft fees, approve me for overdraft protection, and lower my credit card rate, I am moving all of my and my family's accounts to another bank!Desired Settlement: I'm at my last breathe with this and if they do not refund me ALLLLL of my overdraft fees, approve me for overdraft protection, and lower my credit card rate, I am moving all of my and my family's accounts to another bank!

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?

Review: Dear representatives of The Revdex.com of The State of Tennessee and The State of New York,

I hope you are doing well in The State of Tennessee and you have a great New Year 2016.

I'm writing to you because I would like to get your cooperation. I'm experiencing some serious difficulties with the Financial Institution "Citibank" and their credit card [redacted] Rewards [redacted]. The number of this credit card could be given to you when you contact me.

The website of the credit card company is:

First of all, I called them on December [redacted], 2015 to ask for a copy of my November 2014 statement when I took a taxi to the airport inside the City of [redacted]. During that time I was working in a health conference for almost two days (One day getting there, one overnight stay and the day of the conference) and I took a taxi because my client did the flight reservation in the early afternoon, the same day of the conference and I couldn't come back by bus and by City light rail to The Pittsburgh International Airport because I could have missed my flight.

Unfortunately, the taxi driver gave me a receipt where you can't even read the name of the Pittsburgh Yellow Cab Company. I need that copy of the credit card statement to show my client who is located in the state of Utah what taxi company it was. They need those receipts for reimbursement. Citibank keeps telling me for 22 days that they have mailed me the copy of the statement but I'm not receiving anything at all. I have the feeling that they have not mailed me the credit card statement that I requested or they mailed it really late, they are not honest to me.

They are not understandable or they don't have any consideration that I need to mail the receipts of my expenses to the state of Utah on-time. I have the envelope ready sitting over my desk for around 12 days already; I just need the photocopy of that credit card statement of November 2014 so I can send all the documents together to Salt Lake City. They don't want to understand that I need this copy of my credit card statement urgently.

My translation company needs this for the reimbursement of my transportation expenses and for the declarations of their business expenses in their company income tax.

Every time I call them, they just answer me with more and more excuses. I'm sure the envelope doesn't take 21 days to get from the state of Tennessee to New York City. I gave them different options so that we could resolve this matter sooner. I proposed them to send it to me by faster mail and I would have paid for the postage myself but they refused to do this. [redacted] Priority Mail is just around $5 Dollars.

I even offered them to mail the envelope with the copy of my credit card statement of one year ago to my client directly in Utah but with the condition that they should have crossed out my credit card number, but they refused to do this as well and they don't seem to understand how urgent this is.

They are just answering me with excuses and more excuses every time I called them to ask them why I haven't received the copy of that credit card statement. In addition to this the envelope that I need to send to Utah may take another 5 days to Salt Lake City. This credit company is delaying me so I can get this to my client faster and I'm a very good customer of theirs. In addition to this,they gave two [redacted] Rewards certificates,I printed them but they didn't work in the [redacted] store when I went there. They told me that they were not valid. I'm also getting very rude people when I call my credit card company.

All done concerning this matter will be greatly appreciated.

Respectfully yours,

[redacted]Desired Settlement: I want the copy of my credit card statement delivered to my home right away and I also want a certified pre-paid postage envelope sent to my house and this will be the Citibank expense so I can send this to my client in Utah because they are waiting for almost 22 days for this already. I also want them to resolve the problems with my [redacted] Certificates that they issued me are not working.

Business

Response:

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

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 becauseDera

Dear representatives if The Revdex.com, Thanks for your response. Please tell the representatives of Citibank to mail me the copy of the credit card statement as soon as possible. I have been waiting for 29 days already for this statement to arrive.

This is not fair to me.Best regards, Karl Edwin

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

Sincerely,

Business

Response:

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

Review: I had a charge on my credit card that I had not authorized and that I hadn't noticed until the payment was late. I disputed the charge, and I was assured that because I would not have to pay the charge nor the late fees, also the note of late payment added to my credit report would be cancelled. This was in February 2015.

I waited until May 2015, but my credit report had not been fixed. I called Citi and they assured me they would ask the credit reporting agencies to remove the information from my credit report. I got a letter in July 2015 that they have notified the credit reporting agencies about this mistake and have asked them to remove the information.

I waited until November 2015 and the information was still there. I disputed the information to the credit reporting agencies, as it was clearly incorrect and Citi had agreed on this. Instead, I got two letters from Citi in December 2015, on the same day. The first one said that they will ask again the credit reporting agencies to remove this note of late payment from my records, as it is incorrect. The second one said that "our records indicate that the information appearing on your credit report is correct" and that Citi will inform the credit reporting agencies of this.

Confused, I called Citi in January 2016. I was assured that this mistake would be corrected, that information on my credit report would be fixed, and that the note on late payment would be removed. The customer representative apologized to me repeatedly on the phone and said Citi would send me a letter about this as soon as possible.

In February 2015, I got a letter from Citi stating that "our records indicate that the information appearing on your credit report is correct" and that this will not be fixed.Desired Settlement: I would like Citi to finally do what they promised to do in February 2015, May 2015, July 2015 and again in January 2016.

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 set up my account for auto-payment and everything was fine for a few months. Only after calling to find out what the final payment amount would be did I discover that the auto payment had been cancelled. Sears customer service confirmed that they had no record of me requesting that it be stopped and over the phone said they didn't have any idea why this happened. I have been trying to have this corrected since December with no luck. Every Sears number I call only gets me more run-around.Desired Settlement: I am asking that my account be restored to good status and current with all late fees removed as well as remove the negative mark on my credit report that resulted from this mistake that Sears made.

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 have been wrongfully charged $57 in late fees for official government travel where the government was late paying for the official travel. The government has since paid the full original amount, but Citi continues to add late charges and is claiming it will assess them to me. This is a catch-22 that ensures Citi gets guaranteed/exclusive access to servicemembers, and uses the Servicemember as its guarantor for getting paid, even when the government is a fault.

Here is how it works.

Citi (Citibank) Government card services has created an arrangement with the government where Citi can charge late fees to an individual when it is the Government who failed to pay Citi in a timely manner. This guarantees Citi will get paid because when the Government fails to pay in a timely fashion, Citi has struck an agreement to pass on the charges to the servicemember.

1) Citi has arranged for the government to require military personnel to have Citi card for GOVT travel expenses. Military personnel have no choice - in order to conduct official travel, you are required to use a Citi credit card.

2) The Govt charges the Citi card for official travel tickets

3) If the Govt is slow to process payment, a late charge is assessed

4) Even if the government is clearly at fault, Citi can pass the charge on to the servicemember

5) If the servicemember calls and complains, Citi responds that "it is in their agreement" they can hold the servicemember accountable.

6) If the servicemember STILL disputes, Citibank has an arrangement to have the funds DIRECTLY TAKEN OUT OF THE SERVICEMEMBER'S PAY.Desired Settlement: (1) cancel/refund the late charges.

(2) change the user agreement to stop using the Servicemember as the financial gaurantor of the US Goverment

Business

Response:

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

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved. I had two requests: (1) rescind the late charges and (2) stop using service members as the financial guarantor of the federal government. CITI has satisfied the first request. They recognized the that Government had paid the full amount it owed and rescinded the late charges. The agent was very helpful and professional.CITI has NOT satisfied the second request, as they have not indicated they will stop the practice of holding service members individually financially liable for charges due from the government, even when it is clearly demonstrated that the government owed the money.While this practice financially benefits Citi, I am certain there are numerous cases where it has financially devastated youngest and most financially vulnerable service members.I am still looking for a meaningful indication that Citi will change this practice.Sincerely, [redacted]

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 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: My pre-paid card from my employer was compromised and someone drained the account from an out of state atm. I received awful service from a customer service perspective. I was instructed to file a police report with my local police and then call them back with the police report number. I was then instructed to call the company that processed the credit card fraudulently and give them the police report number. I then was required to fax in a form with all the same information I provided verbally. I faxed that form on April [redacted]and a week later have not received a call or email from the fraud department that does not take inbound calls.

This is just awful service. If this happened with my credit card or bank they would give an instant credit and start there own investigation. The fact that I have to do all this running around when my card was compromised is AWFULDesired Settlement: immediately credit my account and do your own investigation on your time-frame. waiting 90 days for a refund is rediculous

Business

Response:

May 14, 2014

Revdex.com

Case # [redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on May **, 2014 from [redacted]s regarding fraudulent activity on his prepaid card issued by Citi Prepaid Services. As a company that is dedicated to providing world-class service, we strive to resolve all cardholder issues in a thorough and satisfactory manner.

After careful investigation and speaking with the customer on May **, 2014, it was determined that the required dispute form has been received and processed. Citi Prepaid Services posted a credit to this account in the amount of $253.50 on May **, 2014. This amount represents the $249.00 disputed transaction plus three ATM fees incurred at $1.50 each.

If the Revdex.com should have any additional questions, please feel free to contact me at the number and information found below.

Sincerely,

Consumer

Response:

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

Sincerely,

Review: Citibank did not deliver the check by scheduled date taking extra dates very late and I am being charged $74 + $35 and the customer support is not .

The bill payment of $1395 was not received by the landlord because the citibank did not deliver the check and I am being charged $74 for late fee and $35 for overdrafted fee. Citibank keeps explaining differently from what I was explained a few months ago that they are going to debit my account once I requested the check and deliver by the date that I assigned but now they are making excuses that the amount is debited from my account on the date that the check was supposed to be delivered and take extra 10 days to be processed. I requested the payment more than 2 weeks ago and scheduled to be delivered by the end of the last month and its already [redacted] but citibank still has not delivered the date. Please cancel the check Reference# [redacted] and credit the amount immediately because they will cash the check today but I do not have enough fund for the extra check since the citibank deducted the amount for check not delivered. The supervisor of Loraine was not courteous to make a refund for me either.Desired Settlement: Refund of $1395 and late fee of $74 and over-drafted fee of $35.

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: For the last 2 months I have paid online and then have been told my payment didn't go through.

I get an auth # with each payment but then they try to slap me with a late fee. This is the second complaint I have had to make with the Revdex.com about this. I am also unable to access my account information online. Last time they did reverse the late fee but gave me a general 800 # versus emailing me like I requested. They also did not give me a direct extension. I made payments over the phone for months before without issue.Desired Settlement: I want my late fee reversed, I want an apology, I want access to my account online. I am very upset and want this resolved.

[redacted]I want to be emailed and not called about this.

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

Consumer

Response:

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

Sincerely,

Review: I have a credit card agreement with Citi that specifies I receive 5 bonus points per dollar for purchases at restaurants. I purchased something in November from a business, which according to my online account access view, is labeled as a "restaurant." Citi refuses to credit the bonus points. Their online messaging staff have been rude and disrespectful, and have denied me the bonus points I am clearly entitled to in my agreement. They keep citing the Merchant Code Categories as the reason for denial, and they have refused allowing me to send them a screen shot clearly showing the transaction meets their requirements. Staff have refused to assist me, and I have repeatedly asked to dispute this and speak with a supervisor. Yet they refuse to have anyone from the company contact me.Desired Settlement: I have spent several hours trying to address this complaint with Citi staff, wasting my time, feeling insulted, and not happy that Citi refuses to honor their agreement. I am requesting the following: formal apology, crediting the bonus points I earned, some form of compensation for my lost time and frustration, and for Citi to improve their internal communications with customers, so that they can actually get a response from a supervisor when they have an issue. If only Citi realized that having better trained/responsive staff and honoring their contractual agreements in the long run will be cheaper than creating a frustrated customer base that will take their valuable business elsewhere.

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 find that this resolution is satisfactory to me and the matter has been resolved. I received a response from Citi Executive Team, and they were in full agreement with understanding the complaint I made, agreeing to compensate me for my time/frustration, and to address the internal communication issues that led to the complaint.

Sincerely,

Review: Credit card canceled due to customer service representative not filing form to re-open card in a timely manner.

Hello,

I worked over-seas for five years, and in my absence, I did not use my credit cards. When I returned home, I had a notice that Citibank wanted to shut down my cards unless I applied to have them re-opened within 90 days. I immediately called to have both of them re-opened, and spoke with a customer service representative who took my information, and told me that they would look over the information and let me know the final determination. That was on August[redacted]. I received a letter that one of the cards had been re-opened, but never heard about the other card. I tried using the other card, and it was denied. I called citibank, and they told me that I had not applied to have the card re-opened, and it had been closed for too long to be re-opened. I called about a month later, and was directed to a customer service manager, [redacted] who also told me that I had not applied to have the card re-opened. I informed her that in fact, I had called and applied to have the card re-opened. She looked in their records, and told me that I had only applied to have one card re-opened, which was not the case. She then asked for my information, and said that I could re-apply to have the card re-opened, but she was unsure if the request would go through. I received a letter that the request was declined.

I am currently looking and have been saving to purchase a house in the spring. This could potentially affect my credit score. When I spoke with [redacted] she said that it would not. I am also interested in finding out what happened to the thank you preferred rewards points that I had accumulated on the card prior to working abroad.

I appreciate your help in the matter.Desired Settlement: I would like the card, with all applicable points and bonuses re-instated. I would also like an apology from their customer service department.

Business

Response:

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

Consumer

Response:

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

Sincerely,

Review: I was charged an incorrect late fee

I made two payments in February , the last one I made was for the upcoming March payment . I received my March statement and saw that I was incorrectly charged a late fee, I called in twice to state to [redacted] and [redacted] of whom I spoke with to assure them that I made two payments in February one being the second payment as a future payment for March, still the late fee would not be removed.Desired Settlement: Would like to have late fee reversed , as I did not think they would not take my February payment as a payment for my upcoming March payment .

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: 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: 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: 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 have an account with Best Buy they have failed to mail me a statement for a year, also have failed to dliver my credit card

I opened a Best Buy account #[redacted] approximately 2 years ago. I took advantage of the 3 years no interest. I have been aggresively paying this account off. I have not received a statement for over a year. I have never received a credit card they have apparently sent me 3 times. Now they will not talk to me on the phone since City Bank has purchased the HSBC portfolio and have lost my information. When I continuously call in they automatically transfer me to their call centre in the Phillipines and they are unsuccessfull in verifying my information and can't help me. This is vey frustrating and is going to be harmfull to my credit rating. I am a self made millionare and didn't need this credit but did take advantage of the free money for 3 years. Please help resolve this issue. ThanksDesired Settlement: Have a current statement sent to and a credit card for my account. Thank-you

Business

Response:

Dear [redacted]

Your recent concerns regarding your My Best Buy credit account have been forwarded to us for review and response. Citibank, N.A. is the issuer of your My Best Buy credit account.

We certainly regret to learn of the recent issues you have have experienced regarding your My Best Buy account statements and that you have not received a credit card for this account. Citibank acquired the Best But portfolio from Capital One on September *, 2013. This transfer was in accordance with applicable law. In order to better assist you with this matter, please contact our Customer Service Department at [redacted] between the hours of 9:00 AM to 9:00 PM ET Monday through Friday, 8:00 AM to 8:00 PM ET on Saturday and 8:00 AM to 6:00 PM ET on Sunday. Our telecommunication number for our hearing impaired customers is [redacted].

We look forward to receiving your response so that we may assist you further.

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:

Please be advised I have not received the letter Best Buy advises they sent. Furthermore I have called their customer service several times which is located in a foreign country and they can not verify my personal information to assist me. Please advise Citi Bank.

Sincerely,

Consumer

Response:

I have done what they recommend repeatedly with no success?

Business

Response:

Please find attached the response sent for this complaint on January **, 2014. Copies of the statements requested are attached. Mr. MacDonald should have received his new card via mail. If he has not, he will need to contact the number in the letter for assistance. We feel we have addressed all items in the complaint and consider this matter resolved.

Thanks

Review: A little over two months ago I reported my card lost / stolen and had it cancelled. I was informed a new card would be mailed to me. As of today I had not received a new card and over the last three months when I attempted to pay my bill the website I pay it from states that my account balance is 0$ and my payment due is 0$ (I have a print screen to this effect). Upon calling Citi today to have them resend the card they notified me that not only has my credit been affected by '90 day late' ding but I've also accumulated 3 late fees of $35. They were willing to remove one of the late fees and an interest fee totaling $60 leaving me hit with $45 still. Meanwhile I still have to dispute the issue with all three credit bureaus, not an issue I suspect can be resolved here.Desired Settlement: I would like the three late fees of $35 credited to the account.

If they really want to go the extra mile they can contact the credit bureaus and resolve the issues there as well. That would be peachy.

Business

Response:

Your recent concerns regarding [redacted]'s My [redacted] credit account have been forwarded to us for review and response. Citibank, N.A. is the issuer of the My [redacted] account.

We will be corresponding directly with [redacted], as Citi has not received authorization from him to release information to your office.

We appreciate your patience and are committed to providing the best possible service.

Executive Response Unit