Citi

Review: Currently have not been able to use my card over the last 12hrs due to a synchronization issue with their billing system. They have stopped me from financially able to provide myself with the necessities I need. I have talked to numerous representatives and some one from corporate who actually put me on hold and never came back on the line. I have wasted hours trying to get back my money which is rightfully mine. I was never notified of this issue by person and even have been charged for my card being declined. I have a balance of USD 195.93 I CANNOT use.Desired Settlement: I want them to release my funds so I can provide for myself the necessities I need to live. They have stopped me from using my card which is the only form of currency I own. I want them to apologize for this issue and to be compensated for my lost time.

Business

Response:

Citi® Prepaid Services received the complaint submitted on March **, 2014 from [redacted]regarding his Comcast Payroll 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 research, it was determined that [redacted] had a pending transaction from a merchant for which they did not intend to settle. After receiving merchant transaction release documentation, Citi performed a temporary authorization release on March **, 2014. On March **, 2014, the merchant re-applied the pre-authorization and Citi was able to once again remove the pre-authorization. We spoke to [redacted] on March **, 2014 in regard to his complaint and were able to explain the events that led to him being unable to use his funds, and confirmed that he was able to access his balance.

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

Sincerely,

Review: The credit card account was originally opened in February 2015 at a [redacted] store location. We were told at that time that we can wait until we receive our first bill and then we could call and change the due date. Since February, we have tried on two separate occasions to call and get this done.

My wife first called on July ** 2015 to get this changed and she was informed at that time that she was not allowed to make any changes on the account without permission from the account holder. So after staying on the phone for close to an hour and speaking with a supervisor, [redacted] was told that [redacted] needs to write a letter giving his permission for her to be able to call in for any customer service issue. [redacted] wrote the letter asking to give [redacted] full authorization to make any changes or get any information regarding the account. They gave us a specific address of [redacted] and said to put the account number on the letter along with his signature. The letter was written that day and mailed in just as we were told to do.

On July **, 2015 [redacted] called back again after giving the letter sufficient time to get there and she once again requested a due date change from the [redacted] of each month to the [redacted] of each month. At that time she was told that they had received the letter and it was worded perfectly but that it wasn't a Power of Attorney so they won't recognize the letter.

This was the first time anyone said anything about a Power of Attorney.

[redacted] has now spent several hours on the phone with several people and has been told several different things about this. We keep getting late charges on our account because my husband gets paid on the [redacted].Desired Settlement: I want them to stand by what they said in the beginning when they told us to write a letter and include the account number, the request and it must be the original with [redacted]'s signature.

We did exactly what we were told to do so I want Citi to do what they said they would do.

I also want all late charges refunded that we have incurred during this and I would like a credit for my time wasted on the phone. My time is valuable and I don't think it's right for Citi to treat us like this.

STAND BEHIND WHAT YOU INSTRUCTED US TO DO!!

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 because:

[redacted]

[redacted] They have responded but to date, there is no resolution to the problem of adding my wife to my account as a person that can call and make changes or get any information she needs. I was able to add her as a user to the account by using the online tool. However, she still can not call and get information or ask for help regarding late payments or fees. I was told by their customer service agent that all I had to do was to send a letter asking for this to be done. So I did that. I included my account number and my signature and I mailed it to the address they told me to use. After I did exactly what I was told by one ** agent, then a different agent told me that I need a Power of Attorney in order to do this. Each person will tell you something different. At the time I applied for the card, they approved us because [redacted]'s income is added in. We are married and I want this to be a joint account. I want my wife to have equal rights on the account. To date, none of this has happened. They send me letters now telling me to call their legal department during their business hours. Those hours are the same as my hours when I am at work and I am not going to take time off just to call them. I did exactly what they said to do and now they are making it difficult. Thank you, [redacted]

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?”

Review: Interest Charged was charged on November 2014.

My complaint is that on November 2014 I was charged with 249.71 of interest. I called on Nov. **, 2014 and was told my the customer service that I am responsible for the deferred interest. I really do not understand the procedures and how they calculate the interest. I asked them if they can help me out lowering my interest rate. I have been asking help since beginning of 2014. Some of them were rude and just don't want to take time to listen.I have been paying minimum because I lost my job since 2009. Instead of being helpful I was passed on to 3 different ref. and was told that they can't do anything with the interest rate and the interest that was charged. I was very disappointed on their end that no one attempt to help me or even explaining why I was charged that much on interest rate. I am emotionally distress by this. Imagine paying 25.24 interest rate. The account used to be 2500 limit and then they decreased it to 2000.00 So now that put my acct having over the credit limit. So frustrating asking them for an explanation of this deferred interest charge.I am always on time paying this. I do not want to ruin my credit.Desired Settlement: Please I want them to explained and reimbursed that interest charge to my account and help me with the interest rate reduction.

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 closed my checking account on the [redacted] of December 2013. I had a remaining balance of $98.77 and I was advised by customer support within seven business days I would receive a check in the mail for my remaining balance. The [redacted] of December had came and still no check. So on the [redacted] I called customer support and advised them of the following & the agent advised me he would forward out another check and it would take three business days. On the [redacted] still no check has arrived within my mailbox. So I called in again on the [redacted], and has still been getting a runaround about the remaining funds I had in my old checking account. At this moment no resolution has been found, so I decided to file a Revdex.com complaint before I take further legal action. The old checking account number is as follows: [redacted]Desired Settlement: I would my fund applied to my citibank credit card or a check forward to me in the mail to the following address via Fedex:

[redacted] Phone: [redacted]

Business

Response:

Dear [redacted]:

We are in receipt of correspondence for the above referenced consumer. Thank you for providing us an opportunity to respond to [redacted]' concerns.

Please be advised that I have been in contact with [redacted], concerning the multiple $98.77 checks Citibank sent him. The check in question represents the total balance of his (now) closed checking account number ending in [redacted]. On January **, 2013, a replacement check was issued to [redacted] and sent via UPS delivery to the following address:

The UPS tracking number for the package is [redacted] , and it is scheduled to be delivered today, January **, 2014. If you have any questions, please feel free to contact me at ###-###-####. Please refer to ERU Case No.[redacted]

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: My daughter applied for this card and we gave my name in case she needed a co-signer. We were told in store that she did not need one. Lo and behold a few weeks later, I started getting collection calls (a few weeks...not time for a payment yet). The card was somehow put into my name. They wouldn't fix it. Great, super...just send us a bill then and we'll pay. Weeks went by and still no bill, then the calls started again. I tried to pay over the phone but they can't take AmEx. Great, I'll go into the store to pay. Got there. They can't take a payment without an account number. (Which I don't have bc I never got a card or a bill). Great. I go back and try to use a Credit card....which they now don't take for some reason. I have no checking account or debit card to use. I use a card for everything. So, after 8 phone calls to ask for the bill, 4 attempts to pay the bill, more than 17 calls to the company and supervisors, I still have no bill, no card, no account number and no advice on how I'll pay. They keep saying they SENT bills but they did not. We even had them send it to another address just in case there was something wrong with my bill. My daughter never received one either. Not sure what to do here. Furthermore, the customer service SUCKS. I was very angry and that was due to the way they handled it, the lack of information and general inability to deal with a customer in a productive way.

Product_Or_Service: Tires

Account_Number: Good questionDesired Settlement: DesiredSettlementID: Other (requires explanation)

I want the supervisor I last spoke with fired. Ok, more realistically, I want ZERO interest charged between the day the card was opened and the day (if it ever comes) that I can make a payment. I want all negative credit "dings" to be removed. I want a 25% discount applied to my overall amount owed since the company has put us all through so much, were so rude, and still have yet to "allow" me to make a payment no matter how much I try. I als

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 always been in good standing with [redacted] credit services. I took paperless billing at [redacted]'s urging. In the mean time my cable/internet company sold out to [redacted]. My email address with [redacted] became deactivated. I could not send or receive from it.

I wen t on line to try to change my email account but c ould not ge tin because I couldn't remember my password.

I was not receiving my statements from [redacted]. After charging $113 in merchandise in 09/2014 it slipped my mind that I had even charged it.

On 01/**/2015 while checking my credit report on-line, I saw that I was being reported as being 90 days late with [redacted]. I called the company to find out what was up. I had not received any notices that I was late and was being charged interest and late fees to the point that I now owed $220.

I explained that I couldn't get into the account on line and had not received any notices that I was late. They would not consider my good standing until this incident and only took off next months late fee.

I felt that the citibank financing intentionally did not let me know I was late so that they could keep adding late fees and interest.

Is there not some regulation that requires a company notify a customer in writing if there is not response to late charges after 30 or 60 day?

I paid the bill and closed the account.Desired Settlement: I want a refunded of the late fees for November, December, January and February.

I also want the company to be required to notify a customer IN WRITING when they are late with payment after 30 days.

I truely believe if I had not caught this they would have let it keep on adding up with notifying me.

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 because:

Correspondence with me was initiated by me. My complaint lies with the company not sending a paper statement when the account became delinquent. One notice and I would have addresses it immediately. One late fee would have been all the extra I would have to pay. I should not have had to pay but one late fee and interest due to the company neglecting to send paper notices of overdue account. How many more customers have been talked into paperless and are now in the same shape? I will settle for the company changing policy on overdue accounts. If customer is overdue one month a paper notice should be sent to them.

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?

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that the business has no intension of making customers aware of delenquent accounts by hardcopy mail. I consider this to be bad business. My hope was that other customers coud benefit from my experience. A promise to notify customers by hard copy when they are delinquent would have been a suffcient compromise. I have cancelled other Citi Bank accounts and will no longer do business with this company in the future.

Disappointed,

Review: [redacted] account third party, unauthorized charge.

Made my first [redacted] credit card charge. A substantial charge of $1143.85. When the bill arrived there was a mystery charge of $11.32. Called [redacted] customer services, they referred me to a third party, Balance Correct (###-###-####). I scolded Balance Correct and told them to remove the unauthorized charge and never charge me again. The clerk said that she could not remove the charge, I then asked for a management person. This management person said the removal of the charge was in "process" and I would receive a mailing in about 30 days with the results. I was never asked if I wanted services from Balance Correct. This seems to me to be a scam directed at consumers who do not pay attention to their credit card billings and just send in payment.Desired Settlement: Removal of the unauthorized charge. Cancelation of my [redacted] credit card account. Eliminate any and all solicitations from [redacted] and Balance Collect, forever. One cent payment for the trouble that they caused.

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 logged into my [redacted] account. It appears that they've removed the offending charge, noted the payment in full and closed my account. If that is the case, I'm satisfied.

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: company reported account not mines and balance of $383.00 in which I have no knowledge of nor never received any billing statement of said account

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

demand remove and close said unknown account from credit file and rapid update with all credit agencies of deleted account...NOTE: FORMAL COMPLAINT HAS BEEN FILED WITH "FTC AND CONSUMER FINANCIAL PROTECTION BUREAU"FOR VIOLATION OF FCBA, FCRA AND FDCPA

Business

Response:

Tell us why here...We will be corresponding directly with the customer as Citi has not received authorization from the customer to release information to your office.Regards, [redacted]

Review: As a first time consumer I had purchased $2,800 through [redacted] for Otterbox cases. Not knowing and without a disclosed consent from the seller the items purchased where all counterfeits and violated trademark issues. I came to find this out after attempting to resell the items through [redacted] and had all the accounts restricted/closed. After disputing the charges with Citi that these items were not what the seller stated Citi refused to provide a permanent refund because the items were delivered. I however was not disputing that the items WERE NOT delivered but that it was fake. After researching [redacted] refund policies ([redacted]) it CLEARLY states that I em entitled to a refund. I had purchased a total of $5000 from this [redacted] supplier and the other $2,200 which was purchased using a [redacted] credit card was honored without half of the work because it was confirmed that the seller was not an authorized distributor of Otterbox cases. I would like this Citi to refund me all the cash backDesired Settlement: I can't understand how [redacted] Bank understood, protected, and settled the rights I have as a US consumer. Citi Card on the other hand has pushed me against the wall with a [redacted] supplier which I can't even get a hold of. I also can't communicate with [redacted] since there's no actual customer service department. As a customer for OVER 12 Yrs. I would like a permanent credit based on [redacted] buyer protection page alone.

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 because:

[Your Answer Here]

The merchant has not contacted me regarding this matter nor has a credit been issued. Please have the merchant contact me or correspond to the correct account/client. Thank You.

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.

Review: Deterioration information reported on all 3 credit bureau agencies

My Name is [redacted], have a credit card with "Citi Bank" Credit Card number is "[redacted] Bank made an error last year and reported that I was late 60 Days in making payments. They reported again on Nov 2014, which is not true. I called them multiple times to resolve this. They accepted that it was an error from their side and trying to fix this but could not fix it yet.

ADDITIONAL DETAILS:

Case is being handled by another organization: Consumer Financial Protection BureauDesired Settlement: I would like Citibank to remove late payment deterioration information from all 3 credit bureau agencies which was reported on May 2014, and updated with same error on Nov 2014.

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 a Transaction that I needed looked into for 200$ I spoke with the company they could not give me a credit because I am moving. told me it would take up to 180 days. dont understand why I could not get a credit until this is worked out. very upsetDesired Settlement: give me the 200$ credit until this is settled

Business

Response:

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

Review: Citibank has been calling my phone between one and three times daily for the past several weeks without leaving a message when the phone went to voice-mail. When I spoke to a representative I was denied my request to speak to a manager about the harassment and to dispute my charges, instead I was told that the calls would continue until a full payment was made.Desired Settlement: I would like a written apology from Citibank in regards to the phone harassment and a refund of my late charges during the period of harassment.

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've been trying to get assistance to find out where my checks have been going and I either get no information or false information. I enrolled in the [redacted] and Citibank takes care of issuing the checks after successful completion of the semester. I have not receive a check for two years and I have called the school and Citibank. The school had referred me to the wrong place and finally I was able to be referred to Citibank only to be denied help. The first time in August I called I didn't have the same address they have so I got a list of all my past addresses before I called again. When I did call the second time on September [redacted] around 4:30pm I gave her the only other address that I didn't state during my previous call and she said that it was not valid and she couldn't do anything for me. She then referred me to sign on online but since I didn't have a credit card or an account with them I made sure to ask her if I could access information with just my School Id number. She said that I could and I made sure to ask her again because this didn't sound right to me. She assured me that I could and then hung up. She never gave me any other information besides to go to the website. Now when I went to the website there is no option for [redacted] students. I have no way of signing in because as I stated earlier I do not have an account with them. I need my financial aid checks for the past two years but no one will give me correct information about how to get them.Desired Settlement: My past two years of checks that i'm entitled to each around 200 dollars.

Consumer

Response:

In reference to complaint ID [redacted] issue has been resolved only because someone at [redacted] was willing to actually look into my account and resolve this.

Sincerely,

Review: With my employer I have a Citi prepaid card which my last pay was deposited to since my account information was removed for my employers system. The funds are in the account but I can not access them from any ATM's or stand alone Citi Banks. I called customer service and received absolutely no guidance until I spoke with the third representative. I asked if the funds were able to be wired to the Citi bank since it is in the same entity, or to reactivate the card since it technically does not expire until the [redacted] of July 2015. The first representative mentioned to mail me another card within the next week or so. I expressed that it was imperative that I receive my funds as soon as possible and waiting for it to be mailed was not an option. Once the first representative couldn't assist me I asked to speak to a supervisor and was transferred to a young woman named [redacted]. Her tone from the beginning of the call was rude and unpleasant. She returned with remarks such as "when you are done I can speak", "You can say what you please", "there is nothing I can do for you" and other remarks along with manner and tone that made her sound even more unprofessional and unpleasant. I asked for her information such as her name and branch location, she informed me that she is not allowed to provide me with that information. I asked to speak to her supervisor and she then transferred me to another call center and spoke with a representative named TOM and he wrote my complaint (I assume) and advised that I could transfer the money online to my bank account and that it would take less time than mailing a card. He also recommended mailing some form but once I heard that I could wire transfer the money I mentioned to him that not one of the previous two representatives mentioned that option and I was grateful for him but the supervisor [redacted] needs her calls to be reviewed for quality and assurance because I am sure I am not the first customer she performed this behavior on it needs to be reprimanded immediately.Desired Settlement: I would've loved to have my funds immediately without any hassle.

Business

Response:

July **, 2015 Revdex.comCase # [redacted] To Whom It May Concern: Citi® Prepaid Services received the complaintsubmitted on July *, 2015 from [redacted] regarding a prepaid cardissued by Citi Prepaid Services on behalf of Limited Brands Payroll. As a business that aims to provide a positivecardholder experience, we endeavor to resolve all cardholder issues in athorough and satisfactory manner. [redacted] describes a situation where she encountered poor customer service from ouragent when attempting to obtain instructions on how she can obtain her fundsdue to the fact that her card was inactive due to dormancy. After listening to the recorded call that [redacted] is referencing, which occurred onJuly *, 2015, it was determined that our agent did not act in a professionalmanner and did not relay all options available to [redacted] in order for her toobtain her funds in the quickest manner. We appreciate the feedback that [redacted] has provided and we will befollowing up with this agent in order to prevent any future situations such asthis. [redacted] may contact a dedicated service agent at ###-###-#### between the hoursof 9:00 AM and 4:00 PM EDT, Monday through Friday to discuss additionalquestions or concerns surrounding this inquiry. We regret that [redacted] encountered this situation. If the Revdex.com shouldhave any additional questions, please feel free to contact me at the number andinformation found below. Sincerely, Leanne J. K[redacted]Customer Service Manager, CSOperations[redacted]

Review: I had two Citi credit cards dating back to 2000. Both accounts were in good standing and had NEVER missed a single payment. Citi shut down both accounts with no notice and no option to re-open. I called to complain and figured it would be a 2 minute I'm sorry let me fix that and instead they ended up taking a whole new credit application just to re-open the account that we had already signed a contract for years ago. After my conversation the rep said no problem, the cards will be placed in the mail shortly and sorry for the inconvenience. I was shocked to find 2 letters in my mail today. Letter #1 stating that the first card could not be re-opened and #2 stating that they were shutting down my other account.

I called again figuring this must be a mistake and the service rep told me it was because I have "negative" things on my credit report and to contact them. I have an [redacted] beacon with a paid for house and cars and have never missed a payment in my entire life. My income is in the[redacted] figures, so DTI is not a problem. If Citi treats me this way, I can only wonder how they treat some one with a few minor blemishes on their credit report. This was truly unbelievable that I was treated this way after 15 years of business together.Desired Settlement: Re-open accounts, both of these accounts should have never been closed in the first place. My true reason for filing is so that they change their policies. I do not need the credit right now, but in the future I may, that is why I signed up for the card in the first place. I'm sure others that have this happen to them may not be able to meet their obligations due to Citi's policy of doing whatever they want regardless of a signed agreement to provide credit.

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 because:

There has been no offer of resolution from Citi, only that they did what was within their credit agreement to do. That is their opinion, but does not satisfy my complaint.

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

Sincerely,