Citi

Review: Main complaints are about reward zone credit card fees, billing, no response to inquiries, and credit reporting (basically ruining my credit).

I am aware that I had fallen behind back in July of 2014. I attempted to catch up and signed up for automatic payments. After that, more than the minimum amount due was attempted to be withdrawn (up to the entire card balance). Obviously, I didn't have the money to cover the entire card balance so the payment was never processed. Well I log into my account about a month later only to find that my account is past due. I have sent requests to get more information and assistance, all has gone unanswered. The agents that I chatted with were extremely unprofessional and not helpful. Basically, I've been going round and round with these people at Citi. I never had this problem with [redacted], which brings me to my next point. This card has gone from [redacted], to [redacted], and now to Citi. That has made making payments difficult. I have never had a credit card that has gone through so many changes in such a short period of time. I can't even make a payment if I wanted to. Every time I log in online to make a payment, I get a "General Error". I don't know how I'm expected to make a payment or get current when I don't have the option to pay. I have had several fees added which are just adding to the balance due.

Account #: [redacted]Desired Settlement: I would like to setup a payment plan to get this paid up and certainly need the derogatory marks on my credit removed or fixed. I should not be penalized with 30/60/90/120 day late marks on my credit reports. It is reporting that I'm up to 120 days late at this time. I can't even make a payment online because of some "General Error".

Business

Response:

Thank you for your communication regarding [redacted]' [redacted] account. Due to privacy concerns we are unable to release customer information to the Revdex.com.

We will respond directly to [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:

Their response to my complaint basically said that I had little time to pay my balance before my account is charged off. A long response and copies of my statements were mailed to me. My request to have credit reporting updated was not honored. That is unacceptable, especially because of the horrible customer service I have received. I have never, ever had a problem with a credit card / financial institution like I have had with this Citi credit card.

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:

My response stated that all future responses from the Revdex.com will be ignored. I'm going to be sending payments by mail to prevent further damage that they have already done to my credit. If I can't get this resolved through the Revdex.com, I will take it further and go to the FTC/CFPB.

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

Sincerely,

Business

Response:

In our previous correspondence to [redacted], we are no longer responding to concerns regarding this matter.

Thank you.

Review: After making payments for 3 years; my account was still charged a $1700 finance charge.

After paying off my [redacted] card in full, I then purchased a TV as my first purchase on the account. I have made other purchases on my account but that one was the first one I made after the account was started at a zero balance. I have been making payments online for 3 years, and according to [redacted] I did not pay my TV in full during that time because I made other purchases after that date and my payments were applied to those purchases. I was making these payments thinking my payment would go directly to the oldest charges. This is very deceiving to those who are purchasing items, and so I have been added a $1700.00 finance charge even though I have made these payments which accumulate to more than that amount to what the TV was originally purchased. I would give you those exact numbers but when I try to log in to my account it has locked me out and I am on online statements, so I cannot reach my account details. Which I find very unprofessional that I cannot login to my own account which I have done so every month when making my payments. So right now my account shows late due to I will not make a payment on the account until this is resolved. I do not feel like those purchasing these items are informed properly. I have been a customer of [redacted] for a very long time and this is not how I would like my relationship to end with them as a consumer.Desired Settlement: I am not asking for a refund on my purchases, only for the finance charge that was added regarding the TV to be removed off of my account. That amount is $1700.00.

Business

Response:

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

Review: Today October **,2014 I still do not have my [redacted] credit card.

My name is [redacted]. I opened a card that was supposed to be in mine and my husband name back in june 2014. The women that helped me said only one person can be on the card. Ok fine! I was issued a paper temporary card to make purchases. The temporary card was only good for 2 weeks I believe. I NEVER received my card! Till this day. At this point I am so extremely frustrated with [redacted] its not even funny. I would love to pay online and use online service but I must have my card and card number to sign up. I have been forced to make over the phone payments each month for the past 3 months. And each and every time I have called I have asked for them to send me my card. Each and every person I have spoken with said they have submitted for the card to be mailed out to me. Why is this so hard? I would think that after having my card HACKED!!!! TWICE!! you would want to make things right for your customer. After I was charged for a gift card and another thousand dollar expense I never made the person I spoke with on the phone said they will also be sending me a $50 gift card for the inconvenience???? What a way to butter me up and let me down again! I am assuming this person told me this so I wouldn't complain anymore to them.Desired Settlement: At this point in time I REALLY NEED MY CARD! I have been purchasing products at the [redacted] here in town where I have a card as well. I am a [redacted] as well as a [redacted] and need to have more option than [redacted] to make my purchases. I would also like for someone at the local store to speak with me face to face to ensure my issues are being met and not ignored for another 4 months! along with some sort of compensation for me being lied to repeatedly, given the run around, inconvenien

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.[redacted]Executive Response

Review: [redacted] department are sending letters to the wrong address for my NEW [redacted] CREDIT CARD. My complain is someone is typing in the wrong address or information. My NEW [redacted] CREDIT CARD would have been loss in the mail. That needs to be corrected.Desired Settlement: DesiredSettlementID: No settlement requested - for

Save as above information.

Business

Response:

Case Number [redacted]We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him directly. Sincerely, [redacted]

Review: [redacted] inaccurately recorded my address and in turn never sent me a bill. They proceeded to charge me interest fees and report false information on my credit report. They never called to discuss returned mail. I requested they remove these charges and change my credit report. They indicated that because it was not a bank error they could not change my credit report and refused any further support. I feel I deserve better compensation for the aggravation and frustration this has caused me, as well as the damaging effect a false claim can have on a credit report.

Product_Or_Service: [redacted] credit card

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I feel I am owed some form of compensation since they report that they cannot change my credit report or history of reporting despite their report being false and in their error. I would also like a personal apology from a representative.

Business

Response:

We are corresponding directly to the customer and the customer should allow 7-10 days to receive our correspondence. If the customer would like to share this information they can provide a copy of our response to the Revdex.com

Review: I have had my [redacted] account for years and whenever I made a purchase that is/was on a promotional and other purchases were made that weren't I would call to see how the payments are applied. I was always told that payments are applied to the promotional with the earliest expiration date. In October of 2013 I made a purchase with a promotional expiration date of 5/**. I noticed that the balance on my purchase wasn't going down so on Friday, March [redacted], I called [redacted] to find out why my balance on the purchase in question wasn't going down and was told that my payments were being applied to other purchases that were not on promotional. When I explained to the lady that in the past when I called I was always told that payments are applied to the promotional that expires first and that I have been making these payments with the impression that I was paying off my purchase before the promotional ends and now will have to pay the balance plus the deferred interest due to the payments not being applied where I thought they were. She explained something about my other purchases and the interest on them. I then told her I understand about the other purchases but none of those were on promotional and weren't subject to accumulating deferred interest if not paid off by a certain time.

Product_Or_Service: 32 inch Vizio TelevisionDesired Settlement: DesiredSettlementID: Other (requires explanation)

I would like those payments that I made credited to my promotional that is due to expire in May of 2015 in order to prevent the deferred interest on that purchase from kicking in.

Business

Response:

We responded to the customer on April *, 2015 and he should receive our response via mail within 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: Citi bank revered a payment made on my account but didn't refund the payment to the bank account.

My citi bank credit card number is [redacted]. A payment of $1,588.31 was made on Jan [redacted]. On Feb [redacted] that payment was reversed. To date, that payment has still not been returned to the bank. Citi bank took the $ out of the bank account but didn't apply it to the credit card. Need I say more?!?

The $ needs to either be back in the bank account or applied to the credit card. Citi Bank cant keep my $. There is a word for that in English - "steeling".Desired Settlement: Either apply the payment to the credit card or return the money. keeping the money isn't an option...

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] Of course we have corresponded directly, I wouldn't contact the Revdex.com before I have. However, that has resulted in nothing, hence the Revdex.com claim. I have attempted to resolve this matter the conventional route through customer service for over a month, to no avail. I have been promised that the issue will be investigated and resolved by many reps. I have been promised follow up return calls yet they don't come. At this point it seams that whoever I talk to at Citi agrees with me but does nothing about it. My hope is that Citi bank will have a bit more shame from the Revdex.com and settle this matter.In conclusion - Citi bank has my money and refuses to return it. There is never any excuse for theft. It is no different then walking into your neighbors house, covered in a ski mask, and stealing $1500. The only difference here is that the theft is being committed with a tie behind a mahogany desk.

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:

[Your Answer Here]

The letter they sent didn't resolve the issue. They still refuse to either credit the account or refund the money. Am I making an unreasonable request? If you don't want to honor the payment then return it. You cant not honor it and not return it. Do you not agree?!?

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

Sincerely,

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.

Review: My Grandmother [redacted] has been working with [redacted] citi cards to pay off a credit card debt. She has been making payments every month. She is on payment arrangement with them. She flew to [redacted] and tripped injuring Herself, due to Her being [redacted] and split Her [redacted] open, and broke Her [redacted]... She is sitting in a hospital in [redacted] with stitches in her [redacted] and a broken [redacted].... This citi card company through [redacted] is sending harassing letters to me, because we are on this card together... I HAVE TRIED TO SPEAK TO THESE PEOPLE ON BEHALF OF MY GRANDMOTHER, BUT THEY WONT LISTEN due to Her being the primary holder. PLEASE HELP US. [redacted] CANNOT PAY THEM, DUE TO HER BEING IN [redacted] IN CRITICAL CARE... Please help Her... They are threatening us, but not listening to the circumstances... ACCOUNT #[redacted] EXPERATION DATE **/** Thank you.[redacted]...Desired Settlement: DesiredSettlementID: No settlement requested - for

We would like them to honor Her original payment agreement and understand that it is no fault of Her own that She is behind. She is not well and ** years old.

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]

They have not contacted us in reference to this hospitalization... All we have received is threatening letters. We are not sure why they would say that? They have not tried to listen to The original complaint filed... They are vague and have not tried to morally understand that accidents happen... In the meanwhile, they are receiving a direct deposit for the balance due, but due to the current circumstances that is all that [redacted] can pay. I [redacted] was diagnosed with [redacted], and have two small children I am a Single Mother to...Four and five years in age are they...We are giving them all we can at the moment. We will continue to give what we can until our health returns... Nobody expects for these situations to happen and we are doing our best.... Respectfully, [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: I have paid all my bills to my Citi [redacted] on time in my 20+ years of account ownership. That account is my oldest revolving account and so is a foundational block of my 800+ credit score. Without warning, I received a letter yesterday stating that Citi was closing my account due to "inactivity". I tried calling them to stop the process since they had provided me no warning (had they, I would have quickly used the card to make a payment and/or set-up a recurring charge). To simply reopen the account, they started down the path of an official credit check. In addition to this being insulting ans needlessly time-consuming for me (who has done nothing wrong), it would also mean a hard hit to my credit), which can itself negatively impact credit scores in certain situations. I said that was unacceptable and they said they were sorry they could not resolve my concern.Desired Settlement: Reopen my same [redacted] that never should have been closed without warning when I had done nothing wrong. If they are concerned about my credit worthiness despite 20+ years of perfect history Citi, I will happily provide them proof of an 800+ score I had done via one of the 3 main agencies this past April 2015.

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:

The text of their response states that they will be contacting me, but they have not contacted me yet and there is no guarantee we will connect prior to my 6-day deadline to respond. Moreover, their response is a little confusing: They end with a question that doesn't make sense. My concern is they mis-wrote their response as I did contact them about my complaint prior to issuing this Revdex.com complaint and tried to resolve it that way, but they were not able to do so (see my original complaint description, including results I wish to see). All that is necessary is for them to undo the closure of my account and return it to its prior status without further inconvenience to me, a customer in good standing for 20+ years with 800+ credit. Again, unfortunately, I need to reject this response because they have yet to contact me and there is no guarantee we will connect prior to my 6 day deadline to respond.

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 have determined that my complaint has NOT been resolved because:I have received no further communication beyond which I noted in the earlier response rejection. In that earlier correspondence, the only resolution offered was the same position that led to this complaint in the first place: Despite having done nothing wrong in 20+ years as a customer and receiving no warning about pending closure, I would have to submit to a full credit check to re-open my account. This is not good customer service and so I must reject this response as inadequate.

Sincerely,

Review: I opened an account back in 2014 and was charged 300 for interest that I was not aware of.

I opened an account back in 2014 for flooring. I was told I had 6 months to pay it. Fine. So I purchased windows and was not aware that every time I make a purchase over 200 I had to pay if off in 6 months. I closed the account because I was charged 300 for interest. I am upset about the miscommunication of [redacted] policy about purchases. This is not fair to the customer especially if I was not aware that I would be charge interest after each 300 or more purchase and have 6 months to pay it off. Not fair. This is a rip off.Desired Settlement: I just want to get a credit for the interest I was charged back in 2/**. I have closed the account and intend to pay it off today. I will never use their services again.

Business

Response:

We responded to the customer on (date). 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: In Nov 2015 I confirmed with a Citi Rep that a $400 pymt was rec'd. On that phone call the Rep stated that the pymt was rec'd. Come to find out on 12/**/15 a collection agency called me regarding my acct & said Citi sent the acct back to them. I contacted Citi on 12/**/15 & they stated they didn't receive the $400 pymt. I asked them to review the ACTUAL phone recording on 11/4/15 because their Rep mis-lead me in thinking everything was okay with the acct. I've spoken to 2 Citi Reps between 12/** & 12/** & they aren't able to LISTEN to the ACTUAL RECORDING. They just are able to review the notes on the acct which will NOT help in resolving this issue. I'm also filing a complaint against my CU because after the transmission of the $400 they sent me a letter stating the acct # was incorrect & apparently took the money back so that's why Citi doesn't see it.Desired Settlement: I am requesting for Citi to listen to the ACTUAL phone call on 11/*/15 where their Rep mis-lead me & to take the account back from the collection agency & continue with the settlement that was agreed upon in September 2015. I'm requesting a letter from Citi that they will continue the agreement once all pymts are rec'd & up-to-date; which I'm more than ready to transmit everything owed. This wasn't my fault at all. It was poor customer service on Citi's end & negligence on my Credit Union. I also want an explanation as to why Citi didn't contact me prior to sending the acct to a collection agency after I made a settlement with them.

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: In August of 2015, my [redacted] ending in [redacted] was changed over to a My [redacted] Card ending in [redacted]. As my current card was to expire 09/2015 I called Customer Service to find out when my new card would be coming. I was told on multiple occasions and multiple calls to customer service through August to October that my new card ending in [redacted] was in the mail and should arrive to me soon and that my current card ending in [redacted] was closed and unable to be used.

The account at the point and time had a past due balance which I informed customer service on each time that I contacted them would be cleared once I received my new card. On October [redacted] 2015 I received a letter stating that my account would not be renewed past my expiration date on my card. However, I never have received the new card ending in [redacted] yet I have continued to accrue fees on this account since September when the card that I own the one ending in [redacted] expired. I have never received nor activated a card ending in [redacted] and never received or activated another card ending in [redacted]. My online account shows that I have both cards; however, the card I have ending in [redacted] is expired and NOT a [redacted] Card and the other card was never sent to me or received and activated. I do not understand why I am still being charged consistently for a card I do not have nor a card that is even active.Desired Settlement: The desired outcome would be for the interest and finance charges to be reversed to the time to where the only card that I have expired and for the account to be closed from the expiration date of 9/2015.

Business

Response:

We will be corresponding directly with the customer via the U.S. Postal Service. Please allow 7-10 business days for the consumer to receive our response.

Review: Started the loan process over 45 days ago, should have closed already and STILL getting questions for additional documents or statements. For example, today they requested a letter from my landlord that I have made all my payments for a year. Why not ask that 5 weeks ago, before ordering an appraisal, demanding home insurance and wasting my team making me believe everything was in order . They also will not accept verbal answers to their questions, must be signed letters. They are now questioning deposits into my checking accounts, Christmas gifts from my parents that I have to send them a signed letter explaining what it was for. Last week they wanted a letter explaining where the money for the down payment is coming from, sent a detailed explanation. A week later they are asking for another letter where the transfers into my account came from. The SAME place I told you a week ago. They have BOTH of my statements.

Other ridiculous items requested:

- Marriage license of the person SELLING me the house

- Signed letter that I am not related to the seller.

- Letter explaining why my drivers license is my old address

The latest request will cost a us another week cause my 'land-lady' is away for a week. Yet they blame me for going away for Christmas for the delays.

My sellers contract was only good for 45 days and the seller is already irate.Desired Settlement: Refund all the fees and appraisal costs or honor their 'on-time money guarantee'

Business

Response:

Business response attached. DH

Review: Thank you Revdex.com of New York for assistance with this matter. If the following events did not happen to me on June **, 2013, I would not believe this problem could occur with a worldwide bank in 2013. The problem I experienced is certainly something from bygone era or a small banking operation. I will list my concerns in an attempt to be brief. 1. I made an online payment at citibank.com on[redacted] June **, 2013 paying off my previous statement balance. Per citibank.com payments made on a weekday before midnight eastern time are posted and credited before the next day's business opens. At least that is how I read their explanation. My payment was not posted until sometime Friday night or Saturday morning on June [redacted] which is after the next day's close of business. 2. I planned to use my citi credit card to pay an insurance bill on Saturday. The bill was less than $300 and my citi visa was showing more than enough credit available to pay this bill. 3. I tried twice on Saturday to use the citi visa to pay my bill but it was declined. 4. After the second decline, I called city customer service. I spoke with a man in another country who said I needed to speak to a special department regarding the decline but that special department was closed. He refused to remove the restriction on my citi visa and he refused to tell me what the problem was or the name or function of the department he said I needed to speak with. 5. I insisted he transfer me to a representative in the US and he transferred me to [redacted] in the Maryland call center. She also refused to remove the restriction. She also refused to tell me why my account was restricted. She also refused to tell me the name or function of the department she said I needed to speak with. I don't believe [redacted] was being honest with me. If she knows what department I need to speak to and knows their direct number, then she surely knows what they do and what the problem is. This is shocking and unacceptable behavior from someone the merchant pays to help me. 6. In 2013, it is also unacceptable to freeze my account for an entire weekend and make me wait 2 days to speak to someone to get it reopened. I keep thinking what if I were in a foreign country or had an emergency and I needed to use this card. Luckily I had another one and I have been using it. People count on credit cards for emergencies and citi was a major failure in this instance. Not only that but they failed and their representatives did not care and [redacted] had a bad attitude. I refuse to believe this is standard operating procedure for one of the largest banks in the world and I think the executives at citi need to know how their customers are being mistreated. 7. My citi account has been open more than a year and satisfactorily maintained with no late payments or overdrafts. There is no excuse to restrict my account. 8. I just logged on to citibank.com way before business hours on Monday and I received a notice to call City immediately to have my account reopened. Again this is after I was told to call during business hours on Monday so their information is not consistent. Credit cards are supposed to be a convenience not a hassle and when you call they are supposed to help and not be rude.Desired Settlement: I insist citi remove the restrictions on my account and explain what happened and why their representatives would not assist me and answer my questions. They can feel free to contact me directly or through the Revdex.com to advise my account is available for use and to explain what happened.

Business

Response:

I spoke to [redacted] regarding his recent inquiry related to his Citl® Dividend Platinum Select® Card.

I explained that, in accordance with his Card Agreement, we are not liable for transactions that are not approved. That is true even if the customer has enough credit. We may limit the number of transactions approved in one day. If we detect unusual or suspicious activity, we may suspend the customer's credit privileges. In this instance, the $2,739.24 payment received on June **, 2013 was unusual in comparison to the normal payment range of $46.83 to $225.00. Therefore, a hold was placed on the funds pending verification or receipt of the funds.

Should you have any additional questions regarding this matter, please contact me at the above address.

Business

Response:

This is a duplicate of the customers response that we received in our office on 7/**/13.

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,

From: [redacted] [mailto:[redacted]]

Sent: [redacted]

To: Complaints

Cc: [redacted]

Subject: Re: You have a new message from the New York Revdex.com. Complaint # [redacted]

Dear Ms. [redacted],

Thank you for the follow up email. The complaint was resolved. I received your last email but when I clicked on the link to accept or reject the merchant response, I was not allowed to log in to the complaint. I meant to email you to tell you but I forgot. If possible you can change the complaint to resolved. The second merchant representative I spoke to was very friendly and resolved the issue. Thank you for your assistance.

Review: I, unfortunately, lost my job back in 2011 and have been trying to avoid losing my home ever since. Working odd jobs here and there and with the help of family I have managed to hold on to my home, but am struggling. I have been trying to have a loan modification done through my home lender, Citi to no avail. I have sent in every single form and document they request only to hear back weeks later from them stating that certain forms were never received, something is missing, more forms are needed. Ultimately, they tell me the modification has been cancelled because everything they need wasn't received within the 28 days of the application date. Which isn't true because I have sent in anything and everything they ask of me right away. I have proof of everything I have sent and when I've sent it. Everything was sent with more than sufficient time to be processed. It is now Ocotber [redacted], 2013 and I have been trying to do a modification since the beginning of 2013. I am trying to avoid losing my home and Citi has not helped me in any way.Desired Settlement: Process all my documents towards my loan modification and move forward with my refinancing.

Business

Response:

To Whom It May Concern,

This letter is in response to the correspondence received on October ** 2013, from your office regarding your case number [redacted] for our client below.

Mortgagor:[redacted]

Property Address: [redacted]

We have investigated this matter and addressed [redacted]'s concerns with her directly via a letter dated November [redacted], 2013. We have no record of receiving a signed authorization to release account information; therefore, we are unable to provide any details to you about our investigation. Please contact [redacted] directly if you require further information.

Should you need additional assistance regarding this matter, please contact the Executive Response Unit by telephone at [redacted], Monday through Friday, 8:00 a.m. to 5:00 p.m., CT. When you contact us, please refer to your mortgage account number [redacted].

Thank You

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: I had a balance of $62.00 on my [redacted] account. [redacted] decidedto charge me $55.64 in interest for no apparent reason. This is an illegal rate of interest in Texas and in the US. Which I pointed out to [redacted]. They agreed, yet argued about their rights to charged me? However, employee # [redacted] and employee # [redacted] (they will not give names) agreed to send me a check for $55.64 if I paid off the total account balance of $117.64. Which I did in cash.I have never seen the check for $55.64.Desired Settlement: DesiredSettlementID: Refund

Cash or check in my hands now.

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,

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: In early January 2015 a note appeared online at [redacted] website indicating that a renewal credit card was "on its way" to me (current card expires in February 2015). When the card did not arrive, on January *, 2015 I spoke with [redacted] employee [redacted] (###-###-####) who said that I would receive the card in 5-7 business days. On January **, 2015 (the [redacted] business day) the card did not arrive and I spoke with AT&T Universal employee [redacted] who initially said the card was mailed on January **, 2015 and then indicated that the card had been "stopped." I asked how the card could have been stopped if it was mailed on January **, 2015. He said there were no notes on the account and he did not have an explanation. On Saturday January **, 2015 I pursued the matter with [redacted] ([redacted] office) who indicated that the card was mailed on January **, 2015 but that she would expedite a card by [redacted] and that I would receive it today, Monday, January **, 2015 and that I could obtain a [redacted] tracking number today (Monday morning) by calling ###-###-####. I telephoned that number this morning and was informed by [redacted] employee [redacted] that the card would be sent (not delivered) today, Monday, January **, 2015 and that it will be delivered Tuesday, January **, 2015 and that I can obtain a [redacted] tracking number tomorrow by calling ###-###-####. [redacted] said that Universal card [redacted] was "confused" about delivery. The record demonstrates that ALL of the [redacted] employees with whom I had a conversation were not only "confused" -- that are incompetent! Please intervene to ensure that my renewal card is securely delivered to my residence. I have been an [redacted] member for 24 years (a charter member) and I deserve competent service by [redacted] -- particularly since it is a credit card that is the subject of this complaint. Thank you.Desired Settlement: Prompt, secure delivery to my residence of my renewal [redacted].

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: We received a [redacted] PROMOTIONAL VALUE OF $200 worth of prepaid debit card # [redacted] thru CITIBANK. I used up the amount but there was a purchase made at [redacted] on 12/**/2014 of $29.42 (including tax) and was returned 1/*/2015 and should have been credited back to the debit visa card. I called the Citi prepaid card customer service at ###-###-#### to check the balance but still zero. I talked to an agent and he said it may take about 30 days for a credit back. I asked why it takes that long and informed them that the cards expiration would be Jan 2015. I was just told to call back when the credit is posted. So the card expires and the amount was posted. I cannot use the card, the stores declined it because it is already expired. I called the Customer Service and was told that they cannot do anything about it and gave me ###-###-#### to call. I called that number and was queued like an hour before I was able to talk to somebody who after the very long wait, just simply said that they couldnt re issue the card nor extend the expiration. I asked what will happen with the credited amount, she told me that she has no idea. I called and talked with [redacted] and [redacted] and everyone points to CITIBANK PREPAID SERVICES. I was tossed around and have spent so much time and effort but until now, the problem has not been resolved and the amount of $29.42 in the debit card is still with CITIBANK. They just say that I file a complaint against them but no chance that they give back the amount of $29.42 based on their terms and conditions.Desired Settlement: From $29.42 to $1000 after all the time and effort exhausted and all the disappointment and frustrations encountered.

Business

Response:

[redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on February *, 2015 from [redacted] regarding an expired promotional prepaid card issued by Citi Prepaid Services on behalf of [redacted]. As a business that aims to provide a positive cardholder experience, we endeavor to resolve all cardholder issues in a thorough and satisfactory manner.

Upon review, Citi Prepaid Services determined that the promotional prepaid card that [redacted] inquired about was issued on October **, 2014 with an expiration date of January **, 2015. Citi Prepaid Services spoke with the [redacted] on February *, 2015 when she identified that a merchant credit had posted in the month of January, the same as the month of expiration. Our records indicate that [redacted] had called our call center to inquire the status of the merchant refund, which had not been received, prior to the expiration date. As [redacted] was not aware that the refund had posted just days prior to expiration, the account was reissued and a check for $29.42 was mailed to the address on file.

We regret that [redacted] encountered this situation. If the Revdex.com should have any additional questions, please feel free to contact me at the number and information found below.

Sincerely,

Review: [redacted] taking more than they should with the Interest Charges, they are taking out two Purchases one before 09/**/2011 was told they don't know why

I have called Best by many times asking why I'm being charges two differt purchases one regular and one regular on or befoe 09/**/2011 one being $35.15 and one for $22.68, none of my other account are set up this way for two differt purchases, I was told that the account was sold to three differt banks I talk to Citibank who now has the account at this time, they said they were going to cantact the other banks but never did to find out why this is happening they don't know why it coming out this way, the other banks name they gave me was [redacted], and [redacted] Bank I was told I will have to call the other banks to find out about this charge, I was told that they omly had the accout scens 2013,and do not know why the account and Interest Charges Calculation are that way,this has been going on for yearsDesired Settlement: Pay back all of the Interest Charges on this account back to when the account was open, and lower the Interest Rate to oo.oo% cantact all other banks, with this accout return all Interest that was paid to them pay $25,000 each

Marvin Pams

Business

Response:

We responded to the customer directly on March **, 2014. 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 find that this resolution is satisfactory to me and the matter has been resolved.Sincerely, [redacted]

Review: I am being billed for a warranty that I cancelled in February 2015. My account is paid in full and I am still being billed monthly.

I purchased an Apple I phone in 2011 and took out a warranty with [redacted] at the time. 2-*-15 I called the The [redacted] ###-###-#### wanting to cancel the warranty which was 14.81 each month and I also set up payment on line for 2/**/15 in the amount of 14.81. In March a bill comes for 14.81 I call [redacted] Credit ###-###-#### wanting to know why I am being billed service rep said they would tranfer me to [redacted] I spoke with a [redacted] told I was not being charged warranty billing was stopped in February that I have a Zero Balance and gave me a ref#[redacted] should I receive any more bills call back. On 4/*/15 I have to call back wanting to know why I was still being billed this time 14.81 + .32 interest. This time I spent a total of 2 hrs on the phone being pasted around from one custmer Service rep finally I spoke with a person called [redacted] she said that it was from December 2014 due to I was not billed in December it did not make since to me because going over my stuff I paid starting with Nov *, $120.68 then in Dec [redacted] $14.81 Jan [redacted] 14.81 Feb [redacted] 14.81 I told her I am not seeing what you are saying. However, I went ahead and made a payment of 15.13 on 4/*/15 Now I recieved a bill for 30.62 called customer service they would not help and was rude to me so I called [redacted] in MN and spoke with [redacted] at ext [redacted] ###-###-#### case #[redacted] told him the problem he stated he would look into it. I have not heard from him. I called yesterday again after talking to customer service which I hung up on I called and left a message and ask for him to call me and still nothing. I want my bill cleared of this 30.62 and I do not want any late payments from [redacted] Credit reported on my credit. I should have a zero balance and [redacted] keep saying I owe one more payment. Please help me.Desired Settlement: I want my account clear of any late payments and I want my account at $0.00

Business

Response:

Thank you for your communication regarding [redacted]'s My [redacted] credit account. Due to privacy concerns we are unable to release customer information to the Revdex.com. We have responded directly to [redacted] on May **, 2015. The customer should allow 7-10 business days to receive our written response. If the customer would like to share this information they can provide a copy of our response to the you.

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,