Citi

Review: I had a Sunoco credit card for 23 years without missing a payment, always paid in full every month. I had my account set up with a web based payment company. Four months ago without my knowledge or connect my account was changed adding a second account. This account was put on a paperless billing, again without my knowledge or consent. My original account showed a zero balance as I checked each month. I went to purchase a car and found my credit score had dropped from 800 to 670. My surprise was to find the second account had a balance and showed four months of non payment with non payment fees attached. I called to complain and find out what was going on. Customer service did delete the late fees and I paid the full balance with my debit card. I want my credit rating restored and the late payments erased off my credit reportDesired Settlement: I want my credit report restored to the original report prior to this issue.

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 [redacted] 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 because:

Still maintain I never received a bill nor did I ever receive a way to retrieve the so called e bills that I was supposedly getting

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

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: [redacted]'s credit card billing policies are questionable. I was charged a late fee for 3 months of inactivity. After contacting the company, I was told I was notified via email. When checking my inbox, I discovered that [redacted] had sent me over 115 emails during this time period. None said anything about a bill, or late fees in the subject line. They were all advertising.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I am happy to pay the fees I owe. I am not willing to pay the late fees. I would like my credit report amended.

Business

Response:

We responded to the customer on June **, 2015. The customer should allow 7-10 days to receive our written response. Should the customer have additional questions or concerns, they can direct those to the address listed in our response.

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 still charged me unacceptable late fees. The fees total 9 times the original purchase price. I don't feel that this is fair. I have good credit and pay my bills on time. This was an anomaly. When I tried to explain what happened, they didn't care and continued to charge me fees after I called them and closed the account. I won't feel satisfied until ALL the fees are refunded. They did refund two late fees, but I feel they can do better.

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

Sincerely,

Business

Response:

We responded to the customer on July *, 2015. The customer should allow 7-10 days to receive our written response. Should the customer have additional questions or concerns, they can direct those to the address listed in our response.

Review: I requested changes to my payment due dates to two of my credit card accounts. I was told that this would not result in changes to my account. However, I was charged $325.81 in interest. I was later told that this was because a billing cycle had been skipped. However, I paid the August bill on time. The September date was simply moved to a later date due to my unemployment status. An additional $315.04 was also added into my balance as they said I'd gone over my credit limit. I never received any notification of this. My minimum payment went up to $756.85. I called them to see if the amount could be adjusted as I've been a Citi customer for over 20 years. They refused to adjust it or to credit the interest. I would like the interest credited and the minimum payment amount adjusted. The second account was charged additional interest of $183.06.

I have been a loyal customer and have made nearly all of my payments on time. I don't think that Citicards should be able to mess up my credit history due to unethical practice.Desired Settlement: I would like undisclosed for moving my payment date of $315.04 and $183.06 credited. I would also like my minimum amount due of $756.85 adjusted. Again, I was not notified that changes in my payment due dates would result in this outrageous interest or I would not have moved the due dates. Additionally, I was not notified that I had exceeded my credit limit. I would like to continue to pay my debts due on time but given these circumstances and my situation, I will be unable to make the payment if Citicards refuses to work with me.

Thank you for your consideration in reviewing this complaint. I look forward to its 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.

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:

Interest was only credited for one account rather than both accounts.

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

Sincerely,

Business

Response:

We will be corresponding directly with the customer as Citi has not received authorization from the customer to release information to your office.

Review: I have had a [redacted] Credit card since 2009. I was just recently made aware, through an online chat with [redacted] customer service, that my account had been closed. I have never received any other notice regarding that. When I called in to resolve this, I was told they couldn't reach me and that they had returned mail from a previous address of mine. I never stopped receiving mail from [redacted] regarding my payments while living in Chicago for more than 6 years. I received mail when I made my first move to a new apartment and I received mail that was forwarded on to my address after living there for 2.5 years at my next address, which I lived for another 2.5 years. I have always made my payments online and I went paperless over a year ago. I was never made aware that in 2013 they closed my account. I was told by [redacted] that after 1 year of making attempts to contact me by mail (which apparently wasn't working for them), they immediately closed the account. [redacted] as well as the Credit Lender behind their credit cards have always had several pieces of contact information of mine such as my personal telephone number(s) and e-mail address. There was not a sufficient due diligence on their part to contact me in a different form before closing my account due to returned mail. If I wasn't getting the mail, why wouldn't you try and contact me a different way, considering you had all of the information? That is what I asked them. They simply could not give me an answer. I was told by them the only way I could rectify this situation is by contacting the Credit Bureau myself and disputing this account closure. I don't believe that I should have to do this at all. It has been nearly over 2 years of not knowing my account was closed and it was closed without sufficient attempts to contact me other than the form of contact they themselves were struggling with. I know for a fact that [redacted] has changed the Lender behind their Credit Cards services twice in the last few years. Information lost in the transfer of accounts may have been a problem here. I do not believe my account should have been closed, which loses me a true line of credit in my overall personal credit capacity. Furthermore, this closure of credit line negatively affects my personal credit score and credit history. I would like help resolving this issue as Citibank has told me they are prepared to do nothing for me.Desired Settlement: I would like for this blemish to be corrected on my credit report and for my line of credit to be restored.

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 ** 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 because:

Dear I have been contacted by [redacted] Escalation Team regarding my complaint. They were unable to provide a sufficient resolution to the complaint. The representative simply apologized for any inconvenience that may have been caused for me, but stated that there was nothing she could offer me to resolve this. The Credit Bureau must revoke the account closure rather than [redacted] since [redacted] does not have the authority to change my credit status, only the Credit Bureau can reward me that status. Due to this insufficient response for resolution, I hereby acknowledge that the next step is to continue working with the Revdex.com to find an adequate solution to my problem. I can be contacted at any time with details on the proper way to proceed.

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

Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:I have been contacted via written letter by Citi. Their response was simply that they were sorry for an inconvenience caused by this. They provided no action or no details on anything that can be done. I have written a detailed report already back to Revdex.com in regards to this. Please see already sent message from Me to Revdex.com stating this has not solved my issue and is not a sufficient response to me. Please do not hesitate to contact me if that detailed response never made it to you, I will be happy to re-send or re-type. Thank you,[redacted]

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 [redacted] within the next 7-10 business days.

Review: Details for Period Ending 04/**/2015Please note that if you made an Online Bill or Phone Payment between 5 p.m. ET and midnight ET on your statement Due Date, you will see a temporary late fee applied to your account. Once your payment has posted, the late fee will be removed. Date Description Amount You currently have no transactions available to view. You currently have no transactions available to view. 04/**/2015 MINIMUM CHARGE 2.00 Posting Date 04/**/2015 Transaction Type Interest Charged 04/**/2015 LATE FEE 25.00 Posting Date 04/**/2015 Transaction Type Late Fee I paid the bill see below. Because they got a msg from my bank that the routing number was incorrect...I think I didn't know to enter the 2 digits at the end of one series of numbers they "reversed the payment" what ever that means. THEY NEVER CALLED ME UNTIL 3 DAYS AGO AFTER THE BILL BECAME $186.31 DUE TO LATE CHARGES ECT. THEY NEVER SENT ANYTHING IN THE MAIL EITHER. Little did I know they were sending me emails that got hidden in my [redacted] acct somewhere and only after I searched and search did I find them. They refuse to forgive my not understanding their online complex billing procedure and will only take $37.29 off the bill. They claim they are not allowed to take any more of these punishment charges off my bill. I only shopped there once after being a cash payment customer since 1991. 04/**/2015 AUTOPAY PAYMENT THANK YOU IL -85.02 Posting Date 04/**/2015 Reference Number [redacted] Merchant Category Merchandise-MISC GENERAL MERCHANDISE NOT CLASSIFIED Transaction Type Payment 04/**/2015 PAYMENT REVERSAL 85.02 Posting Date 04/**/2015 Reference Number Transaction Type Payment Reversal Print This PagePrint This Pag

Product_Or_Service: Garbage Disposal

Account_Number: account ending in *Desired Settlement: DesiredSettlementID: Billing Adjustment

I would like to pay them the original bill amount of $85.02 and not be charged all these late and punishment fees for a billing confusion they could have resolved by calling me or mailing me something. They have potentially lost me as a customer for life after they way they refused to forgive these charges. Ive never been treated like this before. I have a vision problem with my right eye; a blind spot that probably caused my entering the routing number

Business

Response:

We have responded to the customer as of June **, 2015. The customer should allow 7-10 days to receive our written response. Should the customer have additional questions or concerns, they can direct those to the address listed in our response.

Review: Sears had issued me two credits to make up for errors in their processing of a refrigeratorI purchased in June of this year. I was incorrectly billed $1490.08 but after the credits purchase price came to $1266.27.

[redacted] reversed these credits TWICE, however, only corrected their error ONCE (therefore, they took away the credit that was due me)

On October **, 2015, I contacted [redacted] for the NINTH time to give them yet another opportunity to correct this error. I spoke with Sears Credit Customer Service Agent, Michelle (employee number 2MM). I asked to speak with a supervisor, however, Michelle assured me that she confirmed with Sears the legitimacy of the credits, she fully understood what happened, the reason the prior attempts to correct had not been processed properly and that she had the authority to credit my account immediately; a transaction that I would be able to see reflected on my account in 48 hours. Not until December *, 2015, did the credit finally appear on my account when I was also sent a letter confirming that [redacted] had finally corrected the error. I can forward a copy of the letter as well as a screen shot from December *, 2015 showing a zero balance.

In reviewing my account today, I see that this correction has mysteriously disappeared and the account balance is back at $223.81.

Furthermore, I informed Michelle that I had lost trust in [redacted] as a financial partner, and I instructed her to immediately cancel this account, as I will never do business with [redacted] again. She did, but I have since received notice that another account has been opened, a card for which I should be receiving shortly, and I continue to receive checks that [redacted] is encouraging me to use to borrow money against the account.

Anything you can do to help resolve this situation and help me get the credit due would be greatly appreciated.Desired Settlement: My account credited for $223.81.

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: Got no contact from creditor regarding account. They kept adding interest and late fees.

In January made small purchase of $55. They usually send me a ebill, call or text but I didn't get anything until yesterday when I got an email. Charges up to $177 on a purchase so small. They purposely didn't even send me a letter to keep adding money to their pocket. Totally not right. I always pay my accounts on time and have a high credit rating. I want those charges out.Desired Settlement: I want to pay for my purchase but do not agree to pay for their fees and charges they're trying to steal money from me for services they didn't provide like at least a late payment letter.

Business

Response:

We have responded directly to our customer. If you would like to discuss the resolution, you may contact our customer directly.

Consumer

Response:

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

[Your Answer Here]

They still want me to pay a full amount. One of their professionals hung up on me when I questioned the number they were calling apparently. I have my phone records as proof they never called me. They need to call me or rather send me a written letter about this complaint. Nothing has been resolved directly with me.

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

Sincerely,

Business

Response:

We mailed our resolution letter directly to [redacted] on April *, 2015. [redacted] needs to allow 7-10 days to receive the letter.

Review: I purchased a computer from [redacted] in [redacted], in June 2015. I signed up for a MasterCard to make 25.00 payments monthly which were to be deducted from my checking account. On 12/*/2015 I saw an email from [redacted] that my payments were not being deducted and I accrued over 150.00 in late fees. The computer was around 330.00. When I called them, they said they had no record of my requesting auto payments to be deducted from my checking account, but they had my checking account information. When I asked why they had not contacted me for 6 months of nonpayment, they said my phone number was marked "wrong number" on their records, but they admitted that was the number I was calling from, and apparently they had only tried one time. My phone has never been disconnected or changed. When I asked why they did not send mail or bill collection, they said I requested to go paperless. How many companies do you know of that would honor the paperless request, after 6 months of nonpayment? When I asked them to remove the late fees, they said their policy was to only remove one late fee. The late fee per month is around 38.00. I do not go on-line very often to avoid viruses which have cost a lot of money to fix, and which is why I ultimately bought the new computer, hence a new IP address, to begin with. I did pay the balance that was owed today which was 186.00 and requested a paper bill to be mailed. I believe that this bank has penalized me unjustly and that the mistakes in their information were for their financial benefit.Desired Settlement: I would like the late fees to be removed and to just pay what I owed for the computer.

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. Tell us why here...

Review: Late Fee Dispute

I was looking through my junk email folder and noticed and email from [redacted] of a $85.97 balance of a card I have not used in over 6 months plus. I called the rep and they stated there is an annual fee of $59 plus the remaining charge is the $25 late fee.

I explained to her that I have not received any mail to my home as I have not used the card for such a long time and being that I viewed this in my junk email this is not my fault.

I proceeded to tell her I will pay the annual fee with the understanding that the late fee gets removed.

After payment was taken she than proceeded to tell me that she couldn't remove the late fee AFTER the fact the annual fee payment was made.

1) I have not used the card that was a zero balance for over 6 months plus.

2) They failed to communicate with me via regular postage mail of my annual fee.

3) I have never been late with this company.Desired Settlement: I want the $25 late fee to be reversed as it was clear that [redacted] did not due their diligence and notify me appropriately.

Business

Response:

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

Review: I filed a Dispute with Citi on August **, 2015 for a check (1061) for $800 plus $32 dollar fee that was written for work that was suppose to be done on my home by [redacted], [redacted]. The contractor started the work on August **, 2015, however did not show up on August **, 2015 as discussed to finish. I wanted Citi to put a stop payment on the check because it has not cleared the account as of yet. I was told from the customer service rep that the checks come from another institution so can’t be stopped by them. I speck to a Manager. No Manager was available at the time. I was contacted by Citi Manager two days later (Deb) on Friday August **, 2015 she asked for the Merchant information that I faxed to her on the same day Reference number [redacted]. That was the only time I was ever contacted from Citi concerning this complaint. Several weeks later I received a letter in the mail stating that Merchant was contacted and indicated the work was completed and he was denied access to do work. First of all the Merchant name is Ronald C[redacted] and yes he was denied access because he taken the material that was to be us for the job on Monday August **, 2015 without permission. He show up on Saturday August **, 2015 I explained to him since he did not show up on Sunday and Took material without permission I hired another contractor to finish want he did not. The letter also said that Citi attempted to contact me for a conference call and by email was unsuccessful. I was never contacted by phone or email by anyone from Citi since Friday August **, 2015 Manger (Deb) who ask for the Merchant information. I check my emails daily and no messages were left on my answering service from Citi. I contacted Citi concerning the letter I received and spoke to a customer rep early October for a Manager to contact me. My home and cell phone number was verified by the customer rep. To this point I have not been contacted be anyone from Citi concerning this dispute.Desired Settlement: Refund of $800 plus $32 fee....

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 have contacted Citi on October *, 2015. I was told by the rep that a manager will be contacting me within 3-5 business days. It's is now October ** and no manager has called me.This is just poor customer service!)

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

Sincerely,

Consumer

Response:

I will fax correspondences from Citi.

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: Accidentally charged moneygram transaction on citi credit card instead of debit card. Contacted citi customer service and they told me that the cash advance fee can be waived and mislead me regarding interest accumulation. I was informed that the interest will be charged from the day cash advance fee posts and not from the day transaction posts to the account. Even though I had my doubts I believed customer service and now paying a price for not going with my gut. They are now telling me that they cant waive the fee and on top of this I have been charged interest. To stop getting charged interest I paid the amount in full but the bank should own the mistakes of its customer service. I have also informed the supervisor but doesn't seem like she will do anything to fix the mistake.

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: My complaint is the fact that [redacted] debited the wrong amount from my debit card. $25 was agreed upon but $96 was debited from my bank account.

Dear Revdex.com:

My name is [redacted] and I've been a [redacted] Cardholder for 10 years. I've never gone over my credit limit. However, I've always kept my account current when I've made purchases. The reason for my letter is because I have been treated unfairly when it came to being compensated for the WRONG transaction that [redacted] made on my account. [redacted] admitted to wrong doing in the first place. They have it noted in their system that I said $25 NOT $96. My account # is [redacted].

On January **, 2015 [redacted] called me regarding my balance and I specifically told them that I would pay $25 and it was agreed upon. As a matter of fact, when I called the following day confirming the agreement, [redacted] made a note of it. When I checked my account on Saturday, I found that my account had been debited $96 dollars. I was very angry because I was going to [redacted] to purchase medicine and buy food. I checked my account and found that I had nearly nothing. Citibank had debited the WRONG amount. Not to mention it was a holiday weekend and I had to make other plans because of the inconvenience. Also, I have other creditors to pay and I had to put them on hold and stop payment because of this wrong transaction. Moreover, I had to borrow money to make it through the week.

I called [redacted] on Tuesday January [redacted] and I was told that I would be refunded my money within 3-5 business days. I asked about being compensated for the inconvenience this caused me because I had to borrow money and put other important things on hold. The response I got was a simple "No". Where is it written in their policies that I can't be compensated for the stress and bind this put me in? After all, it was THEIR FAULT that they did this.

Sincerely,



[redacted]Desired Settlement: I'm seeking $300 for the inconvenience they caused me. After all, [redacted] admitted to wrong doing in the first place. They have it noted in their system that I said $25 NOT $96. As a result, my bank account is overdrawn.

Business

Response:

We are sending a written response to the customer on February *.2015, that should be received 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 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: I've been a customer for two years and have almost payed late 4 times, but citibank called all 4 times reminding me and I payed immediately. So I got accustomed to a call from them if I was late therefore I wasn't worried about being late due to the call. I was late in July 2014 and they failed to call me and remind me this time. They then put a late payment on my credit report causing my credit to go below a 620. At this time I was trying to refinance my home and being under 620 was denied. I want this late charge off my credit immediately or will sue for funds lost due to there practices of business.Desired Settlement: My credit report be cleaned of this incident immediately.

Business

Response:

We have not received confirmation that the customer has given permission for us to discuss the account with the Revdex.com; therefore we have responded direclty to the customer.

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

Review: I received a letter from Citi Credit Cards about a minimum payment that was the amount of $237.00 on the [redacted] of October and that it would be pulled from my bank account on the [redacted]. I looked at my account and did not owe that I owed $129.00 on the [redacted] of October, so I contacted Citi before the [redacted] and explained the situation. I was told that the minimum payment was $129.00 on the [redacted] and the 237 would not be pulled out. SO the [redacted] comes and sure enough the money was pulled from my bank anyway and I over drafted because I was counting on that money for other bills. My bank charged me $50 for over drafting and my bank account went into negative. I contacted Citi AGAIN and they apologized and said they would refund me the $237 and it would take 3-5 business days to post back to my bank, I also had to conference call both my bank and Citi to get the $50 fee waived for over drafting since it wasn't my fault. I was also told the $129 would be due on the [redacted] still and I agreed. The funds did not post back to my account by the [redacted] so I contacted Citi AGAIN!! I wanted to make sure I was not charged a late fee since it was their fault and to check on my refund. I was assured that the refund processed on the [redacted] and that I would not be charged a late fee. So here it is a week later, 5 business days and I had still not received my refund, with other bills coming up. So I called Citi AGAIN!!!!! I had to speak with a supervisor and he told me that they were unable to credit my bank account back. I WAS NEVER TOLD THIS IN THE 3-4 TIMES I SPOKE WITH CITI IN A WEEK!! He stated that he would lower my interest for next month which would lower my payment to $92. That was my minimum next month anyway. I am now out of money, since Citi basically stole money from me and cannot pay for my $80 minimum payment to Citi for another card! I am irate at the run around I received from all ends of customer service and the lack of communication and their faulty system! If I could cancel my cards I would and once they are paid off I will NEVER bank with Citi again.Desired Settlement: I would like my bank to be refunded the $237.00 and a credit for the minimum of the $129.00 due this month onto my billl. I spent a week with my bank account in the negative because of Citi's irresponsibility, unable to pay what I need to. I should receive a full refund and a credit for what my minimum was this month and I will continue making the minimum payments starting next month.

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: I originally opened the [redacted] account in June 2007 during a special promotion over Fathers Day weekend. The offer was 1 year, no-interest on purchases if the amount was paid off within one year of the purchase. I paid the balance of the account IN FULL in April 2008. Although the credit history does not presently show all entries dating back to the beginning of the debt in July 2007, it did show that I made on-time payments except for 1 month for the entire length of the debt. And I made no other purchases with that account after the initial purchase.Despite that, [redacted] claimed additional charges, not honoring the terms of their original offer, AFTER I was given the final payment amount and paid that balance, which I disputed. That is reflected in the account history shown on my credit report with the supposedly late payments beginning in May 2008. However, as I mentioned earlier in this letter, [redacted] charged off the amount in question less than 6 months later, which rendered my balance with them to $0 owed.A company called [redacted] then bought it from [redacted] about that same time.It is my understanding that [redacted] is a company that buys old debt from other credit companies and attempts to collect on it, even if the debt has been settled with or written off by the original creditor. This appears to be the case in this instance. I am presently involved with a separate dispute regarding [redacted].Having this on my credit report for this entire time has caused substantial damage to my credit scores at all three credit reporting agencies.

Product_Or_Service: electronicsDesired Settlement: DesiredSettlementID: Other (requires explanation)

I want this company to stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If they stop collection of this debt, and forward or return it to another company, I want them to please indicate to them that it is disputed. I want it reported to all credit bureaus that the debt is disputed. Ultimately, I want this debt removed from all credit reporting agencies immediately.

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: 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 had a dispute with a charge I received from [redacted] Store. I did not receive the services I was paying for. The company cancelled my order. However, the charge of $99 still remains on [redacted] credit card. I sent my dispute to the address listed on my billing statement. I was repeatedly asked to submit answers to the same question at least four times by e-mail. Even though I repeated the same information several times ( and mailed in the requested documentation too ) I was sent an e-mail Saturday, December [redacted] stating "because you did not send in the requested information we have no alternative but to charge your credit card". WHAT? Incompetency? Left does not know what right is doing? Communication breakdown? WHY? I will not pay for something I did not receive!Desired Settlement: I want a complete investigation done on the persons responsible for this inconsistency to be questioned. I want to know WHY this really happened and the situation rectified. [redacted] card credited for $99! As my original dispute had requested.

Business

Response:

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

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:swer Here]

I haven't heard from anyone from Citibank!

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

Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because: I have not heard from the bank. If I did not receive any product from [redacted] I should not have to be billed or pay for any product or service not received.

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

Sincerely,

Business

Response:

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