Citi

Review: After suffering some financial difficulties, I set up a payment plan with Citi to pay $297.00 a month for the next three months when I would be beginning a new job. These payments were to be auto-deducted from my account beginning 6/**/15 with the second payment being on 7/**/15. However, when I went to log in to my account to ensure the second payment would be deducted on 7/**/15, I was unable to log into my account. I scrolled through my e-mail look for conformation and found an email dated 6/**/15 stating my account would be "charged off" if I did not pay in full. As I had previously made an arrangement with them I was shocked to learn that they had apparently changed their minds after accepting the first payment and apparently cancelled payment plan without notice.Desired Settlement: Since I had previously entered into an agreement to make payments, I would like to restore this agreement and remove the "charge off" from my credit report.

Business

Response:

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

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: Was sold a product (balance transfer) that was to be completed through bank transfer, 1-2 Business days from 11/*/15. Called customer service on 11/*/15 to see what progress was on transfer. Customer service rep. stated that everything looked good with my bank transfer and that if I had not received it by the end of the day to call my bank. Bank contacted today 11/*/15 and had no record. Funding was to be used for buisness purchase for equipment. Delay of promised product has now cost me money in lost production with business. Customer service contacted twice on 11/*/15 and still no product received. Customer service stated that mistake was made by Citi. Still product not received and not settled. Feel like company failed me, after I put my trust in them - for service.Desired Settlement: completion of credit and having received service/product (balance transfer)

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:

Completion of the reimbursement has not been

completed. When full reimbursement can be viewed and agreed upon terms of (zero percent interest until 12/2016) for the

balance transfer- are in a statement, I will then note this as being resolved.Thank you,[redacted]

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 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 find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: We bought a summer camp program from NYSC for our Andrew. We sent in our son Andrew on Monday August [redacted] and August [redacted]. And by Tuesday evening my son was suffering from stomach pain and we have to send him to our pediatrician. And during the process, we came to know lunch was not given until 2pm. The doctor didn't say whether my son can or cannot go to camp, he basically said very late lunch could lead to my son's stomach pain and we shouldn't let it happen. It also turns out late lunch not just happened on Tuesday , but Monday as well. At that point it became quite clear to us that to continue to put him in the camp provided would endanger my son's welfare.

We contacted Citi to dispute the charge and would like to get a refund. As of today, we received a letter from Citi that based on the merchant sent in information: 1) They claim the program are final sale 2) quality of service is not disputable.

We totally disagree with Citibank's statement. First of all, I didn't remember anything I signed has "final sale" on it, nor did any of their associates told us the program fee is NOT refundable. Second of all, we only had the service for one and half days and at least should get the rest back. Third of all, the merchant in this case failed to provide the services to take care of my child, it is NOT about quality, it is failed to provide serviceDesired Settlement: I would like to have a candid conversation with citi dispute department about this issue. The person I spoke to in the billing dispute department has NO interest to help me, instead he just ask me to prepare more paper work.

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], Currently they are working on it and the I will see a result in 50-60 days.

Sincerely,

Review: I signed up for 2 separate promotions to earn bonus 'thankyou points' (a reward system Citi uses when customers make purchases, ect). One promotion was with a checking and savings account the other was with a credit card. After meeting all the criteria for bonus points on the checking account promotion I called and customer service told me that I had met all items needed and that I would receive my points by the end of the next month (3rd month after the promotion criteria were met as per terms). The points were not posted - so I called Citi again...what followed over the following 8 months was a continuous cycle of calling, fighting through the terrible auotomated phone service, getting numerous unhelpful or downright unintelligent people who cannot grasp certain concepts, repeated attempts to have me think I was in the wrong and blatant lies. On every call I was finally told - usually after at least an hour of arguments and phone transfers - that yes I was correct (some excuse given for the terrible treatment, etc) and that I would receive the bonus by the end of that month. This happened about 12 times - for over 20 hours wasted before they finally gave me the points.

Similarly, the promo with the credit card - had to spend 1500 in 3 months with the card. Done and completed - however, several purchases made were not posted to Citi's card until 1 day after the expiration date for the 3 months. This was caused by the merchants and not controlled by me. I had proof - online receipts from the merchants proving when I bought things (dates). Citi would not listen, kept claiming various things like 'it doesnt matter when you made the purchase" just when its posted...to this day (after about 6 months they still will not simply give the points to me - worth about $100 to them. Meanwhile, at least 30 hours of work has gone into this by their substandard employees...whats cheaper?Desired Settlement: Put 600,000 thankyou points into my account. Or pay me for all the trouble - $5000+

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: 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: I have had a [redacted] (issued by CitiBank) card for about 13 years. It was originally opened as a joint account between me and my now ex-wife. I called after our divorce to have my ex-wife removed and was told she would be. I recently received cards for me and my ex-wife. I called questioning that and they said they were sorry and would remove her. At that time I had them add my new wife on the account.

A while later I received new cards for me, my wife, and my ex-wife. This happened to be right before my ex-wife passed away. So I eventually called them and asked why she was still on the account and that she had actually passed away since then. They said it was a joint account so they normally wouldn’t be able to remove her but considering she passed away they could remove her as deceased. A few days later, my wife went to pay the bill through Quicken and was getting login errors. We eventually found out that the person that made the change removed me as being deceased, wiping out all of my information as the primary card holder and removing me from the account altogether and making my ex-wife (who is deceased) the primary card holder, with my new wife as an authorized buyer.

I called them on Friday and they could actually see the notes in the account where I had called and informed them that my ex-wife passed away and requested that she be removed from the account, so it was assumed by me and the person I was speaking with that it wouldn’t be too difficult to fix. They transferred me to the Probate Dept and I spoke with a girl named [redacted], who was very apologetic but needed to check with her [redacted] or a [redacted] because she had no idea how to fix it. She stated she or a [redacted] would call me back that day within about 30 minutes. I never heard back from them and when I called back I found that they were closed for the day.

So I called the following Monday and was told I would have to have the executor of my ex-wife's estate contact them to resolve this. And when asking to talk to a [redacted] I was told one wasn’t available and that it would be 3-5 business days for one to get back to me. This is the most ridiculous thing I've ever seen. I guess I would think knowing they made a huge mistake here, that they would go at least a little out of their way to fix it, rather than just to see how much more they can inconvenience me.

So now I have an account that has a balance, that I can’t even close (given how frustrated I am with CitiBank), and have to hope some glitch in their system doesn’t eventually link back to me and affect my credit rating. And all the [redacted] rewards points and status for earning rewards points I lose. And will this get reported to a credit agency that I’m deceased and affect other cards of mine? Why is it security is such a huge issue with credit cards but yet an employee there can cause this kind of havoc with a single wrong entry? Frustrated and thinking I need to contact an attorney!!! Too many bad things can come out of this mistake, especially if not fixed.Desired Settlement: To resolve these issue and compensate for all the hours I've spent trying to correct their mistake. And to assure me this won't have any negative impact on my credit cards, loans, ratings, etc. and. if it does, they will fix it since they made the mistake.

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: On December [redacted] I received the email from Citi that my address changed see below. This is the actual email. I tried to go on line through the link but all it did was want me to register and asked if I wanted to go paperless. I got out of that and went back in to discover my address had been changed without my authorization and my son's name was put on the account as the Account Card Holder. My question is how did this happen? This is fraud on the credit cards part and Sears. I'm so upset that this happened I cancelled my card with Sears and would never want to have credit with them again. My son moved from my house and did an address change but that has nothing to do with me and I need to know how this happens without my authorization? I'm stunned and want answers

Citi Customer Service

Sears

Account Holder: [redacted]

Account Ending In: [redacted]

Your Account: Important Information



[redacted].Desired Settlement: I want a call back from the Citi to exactly understand how they make address and name changes on credit cards.

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.

Citi is harassing me with multiple calls a day and has been calling everyday the past couple weeks to collect payments less than 30 days old from accounts offered by Citibank/CitiCard. I explained I had medical expenses that have stressed my already tight finances, and was unable to pay until the end of this month. They were asked to stop calling and I reitereated that I will pay waht is owed by the end of the month, and Citibank assures me they will note my situation and will not call me for at least another 2-4 days. Yet Citi calls me again the same day or the very next for the same reason (to collect the same less than 30-day old past dues), repeating back to me my own explanation as to why I am a couple weeks late.

Citi basically admitted that they will continue calling in such a manner that does violate consumer protections under the Fair Debt Collection Practice Act (in this particular case "Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number."- prohibited under § 806. Harassment or abuse [15 USC 1692d] ).

CitiBank is also using what I assume to be an automated dialing system, and has placed several pre-recorded/robocall messages as well to both my home telephone line and to my cellular phone. Possibly violations of prohibition ruled in the Telephone Consumer Protection Act.

Review: I am receiving numerous phone calls from this business asking to speak with a person not at this address. When answering these calls, I try to be as patient as possible. Service representatives are either abrupt, rude or hang up on me. On the one call, I was transferred supposedly to a person who could remove my phone number from their system but it was a dead-end---constant busy signal I am preparing to mail this same complaint to the address noted on this form.Desired Settlement: I have no intention of dealing with Citibank, nor have I done in the past. I simply want them to leave me alone--no more calls.

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 find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I recently pulled my credit report and noticed a collection report from [redacted]/Citibank that I do not recognize, I have never had any issues with Citibank nor have I had an account and these collection items are incorrect and should be removed from my credit report as soon as possible before I have to take further legal action.Desired Settlement: Removed from all 3 credit bureaus

Business

Response:

We responded to the customer on April **, 2015. The customer should allow 7-10 days to receive our written response. If the customer would like to share this information, they can provide a copy of our response to your office.

Review: Overcharged Interest on non-promotional balance.

My current statement has $10.58 not covered under no-interest promotional purchases. Interest of $2.00 was charged equaling 227% of interest on an annualized basis.Desired Settlement: Charge me $0.19 interest rather than $2.00. 19 cents equals $10.58 x 21.99% interest divided by 12 months to equal 1 month of interest.

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 within the next 7-10 business days.

Review: (complaint against [redacted]-Citicorp Credit Services)

I disagree with the reasons in the letter they sent. The actions are unjust. I tried to contact the company before it became an issue. I was trying to get a written statement and in turn my account was closed. The actions they have taken will interfere with my credit status.Desired Settlement: Undo what was done by company. Want my account re-opened and no negative feedback on my credit report.

Business

Response:

Tell us why here...Good Day, 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]

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]there has not been no response from CTI

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

Sincerely,

Business

Response:

Good Day All, We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him/her directly? Regards,[redacted]

Review: This all started when I received an [redacted] contact lens rebate of $25 in early 2013. At the time, I received a prepaid card valued at $25 as part of the rebate. The card I received was xxxxxxxxxxxxxxxx. The card expired on Jan 2014. I didn't have a chance to use it, but after it expired, I saw the following on the card terms:

"While there is a card expiration date embossed on the front of your CITI PREPAID SERVICES Card, the funds on your CITI PREPAID SERVICES Card do not expire. You may not use your CITI PREPAID SERVICES Card after the expiration date, but if you do not use the full amount on your CITI PREPAID SERVICES Card by the expiration date, we may issue you a new CITI PREPAID SERVICES Card automatically, or you can call customer service to request a new CITI PREPAID SERVICES Card (the "Replacement Card")."

So I called the customer service and they issued me a new card. Card number is xxxxxxxxxxxxxxx, expiring on March of 2015. When I contacted Citi recently about my problem, they sounded like they are doing a big favor for giving me an one time customer courtesy for providing me with a new card, when in fact, this is what it's written on their terms. Also worth mentioning, when I called the first time, the customer rep was rude and condescending, not until I provided what's on the terms that was sent to me was she agreed on providing me the replacement card. What a joke like I was able to get a sweet deal out of this when in fact, I was just going off their terms! If this is a one time customer courtesy, then stop putting that on your terms. Because if that's spelled out on your terms, then it's a part of the contract! The customer rep are just straight rude and disheartening to talk to!

When I tried to use the new card this past weekend, I was shocked to find out that there was no value left on the card. The balance was drained by paying a monthly fee every month shortly after the card was issued.

This is what's on the card agreement for the new card:

"Account Maintenance Fee: Subject to applicable law, a monthly maintenance fee will be applied to all accounts, provided that the fee for months 1 - 12 will not be collected until the twelve month anniversary date. Fees thereafter will be collected monthly."

So the card ending [redacted] was issued to me on March **, 2014. On May [redacted], a little over two months, I was charged with the first maintenance fee. But according to the term, fees will not be collected for months 1 - 12. I am not understanding this, as I had specifically asked the agent when I requested the new card if there is any replacement fee and/or maintenance fee associated with the new card, and she told me there is none. She told me that I am free to use it within a year after the card is issued. I specifically asked about this, because I didn't want to leave this card unused until it expires again. I am disappointed that Citi's own agent gave false promises and the system makes no sense when it charges fees. And when I emailed Citi to ask for a correction, I was giving the following information about inactive account:

"The account maintenance fee can be applied to an account if days have passed from the issuance month of the original card (01/2013) and the account is inactive. An inactive account is defined as an account that meets ALL three of the following criteria:

- 365 days since the account was created

- No funds added to the account in the last 90 days

- No purchases made in the last 90 days "

First of all, I was never aware that the card was going off the original card creation date. But even going with Citi's theory, it made no sense why they started to charge the fees on May [redacted]. My new card was issued on March [redacted]. Was the account inactive when I received it in March or was it becoming inactive on May **? I still don't understand why I was charged a fee starting on May **, since that doesn't sound like it was going off the 365 days or 90 days schedule given above. If anything, isn't adding the fund to the new card consider an activity? My question to Citi was when I requested the new card, I was told by the agent specifically that I'll be getting a new card with new account number and that as long as I use it before the expiration date, there will be no fees associated with it. In the terms that was sent to me, in no where, did it say that even though I have a new account with new account number, the date of inactivity dates back to the original card. I did not find that in anywhere from the terms that was sent to me nor did the agent inform me this information when I specifically asked about it.

I regretted not using the fund sooner, but the way Citi handles this, especially the poor customer services that Citi provided, was more than disappointing.Desired Settlement: Refund-Credit Card Credit

Business

Response:

Tell us why here...March *, 2015?

Revdex.com

Case # [redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on February **, 2015 from [redacted] regarding poor customer service and 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 January **, 2013 with an expiration date of January **, 2014. In accordance with applicable law and regulations, the expiration date is embossed on the front of the card; displayed on the cardholder materials (i.e., “valid thru 01/14”); disclosed in the terms and conditions that accompanied the card with an explanation that the funds would no longer be available after the expiration date. [redacted] had previously requested a reissue card and was sent one on March **, 2014. This new card was subject to account maintenance fees, which [redacted] states she was not advised. In order to bring this matter to a close, the account was reissued and a check for $24.00 is being sent 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,

[redacted], CS Operations

Citi® Prepaid Services

Citi Treasury and Trade Solutions

(P) ###-###-####

(F) ###-###-####

Review: Since Sept 2014 I have paid [redacted] Card Services through Citi Bank $936.72 in an effort to pay off a few promotional balances of 502.58. I have paid nearly double.

When I call their company there is always one reason or another - never the same reason - as to why my payment did not pay of the promotional balance.

Today I called once again. Spoke to a supervisor and he said the billing practice is very simple and him as a consumer would understand and he apologies I am not able to understand it. Let me see if I can recap.

The minimum payment will always come out first. This applies to non promotional balance, expired balances or fees first.

Then if there is a promotional balance expiring in 30 days the payment is applied at 100%

Next if there is a promotional balance expiring in 60-90 days the payment is dispersed evenly.

Finally if you have any remaining balance that is non promotional balance, expired balances or fees that is applied last.

I think I have this right.

Then I asked him to look at my $500 lump sum payment and help me understand why this did not nearly cover the promotional balance. He said approximately $320 was applied to the promotional balance and $136 was applied to other fees. This was in Dec. The promotional balance expires in April. So this does not apply to the 30 day rule. They say I had an $80 balance that was the non promotional kind. Again I don't understand why in Jan the balance was nearly paid in full.

They are being very shady in how they apply the funds intentionally to have balances not paid in full.

I now have $132 remaining promotional balance from the 502.58 - even though I have paid 936.72. I have been told to pay that in full I need to pay approximately $180. I will do this and see.I am not holding my breath. Based on the past calculations and applications of payment this will not hold true.Desired Settlement: I would like the payment appropriately applied so the promotional balances ending in 4/**/2015 and 5/**/2015 are paid in full as more than enough finds have applied. I understand this means some interest would have been billed. That interest would be MUCH smaller than the promotional interest they are about to hit my account with.

Business

Response:

Thank you for your communication regarding [redacted]'s My [redacted] account. Due to privacy concerns we are unable to release customer information to the Revdex.com. We responded directly to the customer on April **, 2015.[redacted]Executive Response

Review: I have been a credit card holder with Home Depot for 9 1/2 yrs. I consolidated my bills back in April of this year.I went on line as if I was paying my bill to check the amount that was owed which was $90. A check in the amount of $90 was taken the the Home Depot store in Zebulon. I was under the impression the account was paid in full. Two weeks ago I was trying to refinance a loan and told that I owed $12 to a company. At that time was not sure who the company was because after consolidating my bills did not think there was anything left.I checked the cards the next day to find out it was the Home Depot card. I called the company and was told the card had a 0 balance, a limit of $4.100 but the account was closed. I remained on the phone to speak with someone, I asked why was the account closed. I was told that I owe $2 on the account and it was 90 days past due. When the account was checked I only owed $90 and it was paid before the due date. I did not check emails after the account was paid in full and also my email was closed due to me not clearing them. I tried to pay the $2 and all late fee or what ever came with the charges but was told I could not pay anything because there was a 0 balance. Now after contacting Telco Credit Union the company that consolidated my bills, I was told my credit score dropped 90 points as a result of Home Depot closing this account over $2 and after them saying I was a valued customer for 91/2 years.

Product_Or_Service: c

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

I would like my credit restored back to where it was and my card reinstated with the same credit limit.

Business

Response:

Dear [redacted],

Your recent complaint filed on behalf of [redacted] has been forwarded to us for review and response. Cititbank, N.A. is the issuer of the Home Depot credit card.

We have completed our of [redacted]'s concerns regarding the payment history of her account. Our records indicate that after [redacted] paid her account in full on May *, 2013 a residual interest charge of $2.00 billed to her account. Because this balance went unpaid for the June, July, August, and September billing statements, the account reported negatively to her credit reports. Our system automatically adjusted the interest charges on September **, 2013, leaving [redacted] account with a zero balance.

We respectfully decline [redacted] request to reopen her account. As a customer accommodation, we have sent a request to reopen her account. As a customer accommodation, we have sent a request to the credit reporting agencies. Experian, Equifax and TransUnion, to delete all derogatory information on her Home Depot account from her credit bureau file. It will report as a closed by consumer with a satisfactory rating. We advise her allow 4-6 weeks for the individual credit bureaus to update their files.

Should your office have any further questions regarding [redacted] account, please feel free to contact us at the address listed above.

Sincerely

Review: Hello!

I'm making a claim about my recent interactions with Citi, about my dividends rewards card. I'd used it throughout school for materials and wanted to start paying it off, now that I've obtained full-time work (though it doesn't pay very well, it's still a job for the time being). I contacted Citi, because I did not want my account to be charged off and to further damage my credit. A kind assistant set me up on a payment plan of $42 a month for 60 months, starting with the first payment due on October **. So, I went ahead and called Citi to make my first payment. I gave them my bank account information. I only had enough in the bank to make that payment (thanks to borrowed funds), but I wanted to get back on track, so I submitted that payment. I checked my Bank account online about a week later, and I noticed an overdraft fee for $25. Citi had attempted, for some unknown reason to debit $212 from my bank account. This happened again later that week. I had a total of $50 in bank fees and, thus, couldn't make my October payment. I contacted Citi about this. They told me to send them, via fax, copies of my bank statement that showed where they made an error in charging my bank account. Then, they'd gladly return $50 directly to my bank account and that they'd call me when my account review was complete. I was worried that their error would affect my credit and break my payment arrangement, because non-payment would lead to a charged-off account. I spoke to an account representative, who told me that my account was under review and that I did not have to worry because they would not charge-off or transfer my account due to their error. I called a few days later, and a representative told me that the account review was complete and that I'd see a return of $50 from Citi to my bank account. After a week passed with no return, I called Citi. The rep told me that they do not handle my account type and transferred me to an external collections agency. My account had been charged-off for non-payment. I explained the situation to a rep from that company (whose title I never obtained) and she asked me to fax her a copy of my bank statements. So, I did. I called back, and another rep told me to call Citi. (Nowhere along the line has anyone attempted to call me with updates on my account). I called Citi and the (awfully rude) representative told me that I had to wait 30-90 days until my new account review would be completed, then they'd send me a letter afterward. I asked, since an earlier rep had marked on my account that phone was the best way to contact me, if they could just give me a call, so I could be on the same page as them (I've been very confused by all of this). He said they couldn't and that I just had to wait for the letter. I asked if I should make my November payment and he told me that I had to wait-- but, I want to get started in paying off my credit card debt. This company is preventing me from starting better financial habits and, as someone on an extremely right budget, I really need my money back ASAP. I can't wait 90 days. Please help- no one seems to be listening to me, or even explaining what is happening in a way that makes sense to me. I just want my money back ad to be placed on my payment agreement again.Desired Settlement: I'd just like, as promised, $50 to be returned to my [redacted] account and to restart my payment plan as early as December.

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:

Citi has not, in any way, contacted me since this complaint was made. When I called Coti about the issue, they said my account was under review again and that I should call back in a month. I need a direct number to someone who understands my situation and that will help, instead of bouncing me from place to place.

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

Sincerely,

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: On Dec *, 2014, while purchasing an airline ticket, I clicked on a banner ad for Citi's AAdvantage Platinum Select Mastercard credit card. The banner said that after spending $3000 within 3 months, I would earn 40,000 miles.

I applied, and my application was approved instantly. I then tried to use the new card for the airline ticket I was purchasing, but the Citi rep I spoke to told me that no, I couldn't use the card until I had physically received it in the mail.

6-7 weeks later (around the beginning of February), I FINALLY received the card. Over the next 3 months, I spent well over $3,000 -- in fact, between just Feb * and April *, I spent $3,357.74. I still haven't received my miles, though. I've emailed several times, chatted online, and called, and now Citi is saying that the three month period begins when the account is open and that it ended in March.

How is it possible to spend the required amount, when they blocked out HALF the promotional period by holding onto my card? I tried to use it before receiving it, and they refused to let me spend then. Are they doing this to everyone? What is to stop them from holding onto cards until 2 months and three weeks into the promotional period? Would they then expect customers to spend the entire $3,000 in one short week? What's to stop them from sending the card three months and one day after account opening, and preventing customers from earning any miles at all?

This is absolutely deceptive advertising, and they should honor the three month spending period from the time I was able to actually use the card (approximately February [redacted]). I would like the 40,000 miles deposited in my AAdvantage account immediately. In lieu of that, I would accept $400 in reward dollars.Desired Settlement: 40,000 miles OR $400.

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. After being contacted by the Revdex.com, Citi called me and informed me that 40,000 miles would, if fact, be deposited into my rewards account. It took a few days, but as of today, those miles have been deposited successfully. Revdex.com, thank you so much for your assistance in this matter.

Sincerely,

Review: [redacted] has charged me over $3,000 interest on a $4,000 promotion

This is related to account number [redacted]. I purchased a big ticket item 2 years ago and was offered their 24 month no interest promotion. This was for new granite counter tops to be installed in my home. This promotion sounded like a great idea. The total account balance on my billing includes this promotion amount. I made my payments on this total account balance as I have done on other credit lines. Therefore, a reasonable person would assume that there payments are going to their balance which includes the promotional item. However, at the end of the 2 year period, the promotion balance was not paid and I was therefore charged over $3,000 in interest. I contacted the office on 3 or 4 occassions regarding this and was told that this is correct and there is nothing that they could do about it. They indicated that when they receive a payment, they apply the payment to the interest bearing balance and if you want any payments to go to the non-interest promotional balance, you have to call customer service to have them move money to that balance. I asked where on my statement that is indicated, and they told me that it is part of the credit card terms. They also indicated that in my statement, I should have seen that no payments were going towards the non-interest promotion. This portion is on page 3 of the statement. The first page of the statement indicates your total balance due and your payment amount. They indicated that I should have been reading the entire 6 page statement and not relying on just the first page, then I would have seen that the promotional balance was not changing and once again should have called customer service. They indicated that each month when I made a payment, I would have had to call customer service to have any monies moved to pay on the promotional balance. I have been a customer of [redacted] for many years and hoped that we could work something out. On each of my calls to them they have indicated that the computer did the calculations and it is correct and they are sorry that I was confused but they need my account brought up to date. As of this time my account is over the available credit limit because of this extensive $3,000 interest charge. I have tried and tried to talk to them and all they keep doing is telling me that this is all correct and they are so sorry that I was confused and can I now make a payment. I feel that logic has gone out of the window and they are not willing to work with a customer that has given them business for this many years. I have even talked to one of the supervisors and heard the same speech. It is almost like they are reading a script and not listening to the customer at all. I just don't see how in all of the 2 years of making payments that they felt that it was ok to process them as they did. It feels almost like a scam so that they can get the most out of the consumer. If it is their practice to operate their business in this manner, it is obvious that the average consumer means nothing to them. To think that a person would know that the only way to pay on their non-interest promotion is to call customer service every month for 2 years and tell them to apply part of their payments to their promotional balance is insane. Why do they think that sounds fair? Why offer these promotions except to collect as much interest from their customers because that is all that I got out of it. No one that I have talked seems to be listening to me and I am at the end of my rope. I have been paying on this account for 2 years and to now have an extra $3,000 added to my balance is inconcievable to me and impossible for me to pay.Desired Settlement: I am willing to work with them on a solution to this account matter, however, to think that I should owe them over $3,000 interest on a $4,000 promotion feels like extortion. To feel like I am being treated like the bad guy in this is really hurtful. I have always been treated very nicely when I have visited their store in [redacted] and to now know what was going on behind my back makes me feel like another it who forgot to read the fine print and is now being charged an astronomical f

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:

[Your Answer Here]

The business has simply restated the complaint and indicated that I did not contact them to reallocate the payments. However, I was not made aware of this requirement. In addition, there card Fact Sheets indicates that the minimum payment is calculated based on the new balance plus any amounts from the promotional offers. If this is correct, then why would the payments made on the account not also be applied to the promotional amounts if that is what is used to determine the minimum amount due. Nothing on this Card Fact Sheet sent to me indicates that I need to contact them to have payments allocated to my account in a certain manner. Their statement does not satisfy my question about why no monies were applied to the promotional balance and then to be charged about 75% of this balance as interest accrued. Therefore, I do not feel that their response helps to resolve this issue in any manner.

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

Business

Response:

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

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 business only repeated what they said to me on the customer service line. It appears that they refusing to negotiate a resolution to this matter and are still attempting to charge me over $3000 interest on my account. No credit card information sent to me expressily indicates that NONE of my payments would be applied to the promotional balance unless I called customrt service each month to have payment monies reallocated to the promotional balance.

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

Sincerely,