Citi

Review: Citibank, N.A. has failed to successfully address billing errors for [redacted] charges. Payments made in the prior month do not appear on the new billing statements. Although calls have been made to the customer service department to resolve the matter, no resolution has been made. At this time, my health, hospitalization and surgery has kept me from paying amounts that exceed my budget. Citibank has failed to compromise with me as a consumer. As a result, I have endured additional pain and suffering as well as peaceful enjoyment of my home because of the billing fiasco. Payments were made with check, credit cards, ACH debits-online payments. I will compare my records to their records and communicate any discrepancies in writing.Desired Settlement: My resolution is to have Citibank, N.A. provide itemized billing that reflects how each payment was applied, any interest charges and adjustments. This information should include Citibank records and my banking and payment records. Hence, a payment plan may result but my present health condition and financial situation should be considered when determining a repayment plan. I also request that any further action against me be ceased. I would like account reconciliation that begins at the start of the opening of the account until this date, July **, 2013.

Business

Response:

Dear [redacted]:

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

Citibank’s records reflect that [redacted] account charged off for non-payment on 03/**/20013. If [redacted] has any questions or would like to discuss setting up payment arrangements on her account, she can contact:

####-###-####

We appreciate the opportunity to address your concerns.

Sincerely,

Executive Response Unit

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 original debt was written off however another company is trying to aggressively collect from me. I have no contract with this company and my contract is with Citibank. This other company has been harassing me and even while I am sick and in hospital.

No one has responded to my request for all bills, payments and accounting records to be produced and therefore I have to assume the reason for this is because the company knows the balance is totally inaccurate .

I am requesting that Citibank get this account back on their books so that we can reconcile our records and find an amicable resolution.

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

Sincerely,

Review: I signed up with CITI to take advantage of the 35,000 AA miles if you spend $1,500 in the first 3 months. As of today, I know for a fact I have paid CITI over $1,500 based on bank statements. Today I call and immediately ask for a manager because I always get someone off shore who barely[redacted] or doesnt know what they are doing. I get a [redacted] based out of [redacted] and have high hopes I can get some correct answers to my BASIC questions. My first question is how much have I spent on my card as of 9/**/13. She tells me I spent $1,015.00 so far. I advised her this was my last statement balance not necessarily the amount spent to date. My first payment was made online where it showed I owed an outstanding balance of 1000 or so dollars. So I paid that. I then waited a week and checked back where that had posted and well as some other pending transactions and the website now showed I owed another $500+ so I then paid that. So my question is, how EXACTLY DID I ONLY SPEND $1000 if I have paid CITI $1500? Makes absolutely no sense...and she was clueless about it. I want a call from her supervisor [redacted] in the [redacted] office. [redacted] (Employee ID:[redacted]) did a great job actually answering my questions.Desired Settlement: I want a call from someone Assistant VP or higher.

Business

Response:

Dear [redacted]:

This letter is in response to [redacted] recent inquiry related to his Citi® Platinum Select® I AAdvantage® World MasterCard®.

I spoke to [redacted] on September **, 2013 and informed him that he has met his spending threshold of $1,500.00 as he believed. The 35,000 promotional miles were transferred to [redacted] the same day.

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

Sincerely,

Presidential Communications

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: Autopay account information was updated 2 weeks prior to scheduled autopay. [redacted] still withdrew monies from old account.

My autopay account info was updated 2 weeks prior to scheduled payment. [redacted] still deducted from my old account causing and overdraft. [redacted] stated that the only way to update autopay information was to contact them with new information. This would have not been an issue if this was stated when updating in their system via website. System clearly shows my new information. I have done this with multiple accounts with no issues. [redacted] is unwilling to reimburse the overdraft fee or cooperate cause they feel that i'm the irresponsible party.

Account information was updated mid July 2014

My payment was $25.00 and deducted on 8/*/2014 from the old account. This caused a $36.00 overdraft fee and now unable to close account until paid. There is nothing in the [redacted] website that states i'm to call and change my account info. The process to change the account info via [redacted] website site is to cancel current account info and then add new, nothing told me a needed to then call.Desired Settlement: I want them to contact my prior bank and negotiate reversal of the [redacted] and overdraft charge on my account, then deduct the $25.00 from my current account.

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: [redacted]8/**/14SEARS/CBNA [redacted]Charge off Removal Request regarding account [redacted]To Whom It May Concern:I have been a loyal card member of Sears/CBNA for 4 years and couldnt be happier with my decision to join the Sears/CBNA Family. Youve always offered some of the most competitive rates and rewards programs, and even beat a competitors lowest interest rate when I inquired about transferring my balance to their card.Unfortunately, in June of 2012 I took advantage of our relationship and failed to submit my monthly payment on time. It was an exceptionally busy time and my life as I was balancing the opening of a new business while studying for the CFA to fulfill one of my long standing career goals. Now that I have found a prosperous balance in my life I honestly cannot associate with the person that let this payment obligation go unattended to. I fully respect my obligations with Sears/CBNA and have worked diligently to amend my relationship with you by regaining your trust. A brief look at my account will reveal I have successfully settled my account since my unfortunate lapse of judgment.Recently, I have begun search for a more financially rewarding career in business and it has come to my attention that my charge off with Sears/CBNA may negatively affect my chances of obtaining a career in the field I am pursing. As you may know, FICO scores are being used more and more in the selection of prospective job applicants.In light of my renewed focus and demonstrated commitment to rebuilding my trust with your company, I am requesting that you give me a second chance at a positive credit rating by revising the charge off as reported on my three major credit bureau files (Experian, Transunion, and Equifax). I sincerely hope Sears/CBNA believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams. I appreciate your time and look forward to receiving a favorable decision from you department soon.Regards,[redacted]

Product_Or_Service: Credit Card

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Replacement

Charge off removed.

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,

Review: Opened an account for a [redacted] credit card at time of purchase and set up an online account. The terms were 6 mos no interest. I made some payments about half of the balance. A couple of months went by and I didn't recieve a card yet. I called customer service and they stated the company manufacturing the cards was a little behind. Another month and a half or two still no card. I called again. They said they will be locking out my account and issueing a new a count and card. Again no mailings no card nothing. I tried to pay bill online and yes indeed account locked out. CONVNIENTLY after the Interest period is up I recieve a collection letter stating I owe a larger balance than the original purchase (late fees and accrued interest). Now of course I am livid because they obviousy have my correct address. After a heated call with customer service I have now recieved paper bill and for the first time in 9 months now know my new account number, have a rediculous balance for such a small purchase AND STILL NO CARD.Any help would be greatly apprciated. I feel have been wronged at shouldn't be required to pay interest when [redacted] may or may not have intentionally dropped the ball for nine months and prevented me from paying before the six months.

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

All interest and fees removed of original balance at time of account being locked if paid in full.

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: reported over 90 days late but paid bills online during time period

I was paying my home depot bill online at the beginning of this year. The payments were being deducted from my bank accounts, but Home Depot was not applying them to my balance and therefore reporting that I was late which eventually turned into over 90 days late to the credit bureau. When I contacted Home Depot in March, they said they had been having issues with their online payments. They credited the payments, but they did not correct the reporting to the credit bureaus. In May, I contacted them again, and they said it would be fixed by June. I just called them again, today (September - because I had been deployed), and they still haven't fixed it.Desired Settlement: Fix the credit report, so I can apply for a home loan, please.

Business

Response:

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

Review: I have a [redacted] credit card, which is through citi bank. I went into [redacted] to make my monthly payment, the lady accepting my payment on behalf of citi bank informed me that I would incur a late charge because it was after 5pm even though my payment is due on the [redacted] before midnight. this puzzled me, because the day my payment is due is the [redacted], and here I was on the [redacted] at 6pm trying to make my payment on time, only to be told I will be charged a late fee regardless. so I did not pay my bill because I was told that I would be charged a late fee. why would I pay it on time, when I am going to incur a late fee? next month I call instead of trying to pay in person, I call and cannot get through, the [redacted] happens to fall on a Sunday. so im calling trying to get through on the phone so that I can pay my payment on the [redacted], on time. I called 5 or 6 times and cannot get through to anyone, apparently they are not available to take payments past 10pm on Sundays, even though my payment is not late until after midnight on the [redacted]. at this point I am very aggravated because this is the second time I have attempted to pay my bill on time, only to incur a late fee. so today Monday the [redacted] I call and spend over an hour with the "management" or 'management representative". her name was [redacted]D # [redacted]. she claimed that despite being told that I was going to incur a late fee for paying my bill past 5pm at the [redacted] store, that I should have paid my bill anyway, and that she could not reverse the fee because I should have paid it no matter what I was told at [redacted], that I would be stuck with the fee. she said she would reverse the late fee that I incurred yesterday when I attempted to make my payment on time, but still blamed me for it being late. ultimately she said that citi bank had no responsibility in the either matters. she claimed that no matter what I was told that it was my responsibility to pay my bill on time. I attempted to pay my bill on time on both occasions, and if citi bank had a way to pay my bill on time, you better believe that bill would have been paid. they offered to refund one late charge, I requested them to understand the situation I had been put in, and reverse the two fees, she refused and offered to reverse one fee which I do not feel was enough. if they would have took what happened into consideration, and reversed the two late fees I would have paid my bill and made it current. since I was not only blamed for what happened but also financially penalized I could not make a payment today. not only am I incurring unjust fees, they made no attempt to acknowledged the mistake made by their representatives or even attempt to avoid these types of situations in the future. I mean why would they, we as consumers are virtually powerless, and they profit largely from their unfair practices.Desired Settlement: I would like the two late fees I incurred reversed. I know all the time and effort I have put into making this situation right, is lost, so I would also like an apology for wasting my valuable time.

Business

Response:

Thank you for your communication regarding [redacted]'s 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.

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: In November, 2013, I filed a dispute for a charge in the amount of $1, 895 and received a credit for the full amount. The merchant represented, and I sent in the documentation that Citi asked me to send in. I was told that the case will go to pre-arbitration, then I never heard back from Citi since February, 2014. Towards the end of August 2014, I saw that my balance increased unexpectedly and when I called Citi, the dispute representative told me that the dispute was lost when it went to pre-arb, and that's why the $1,895 was placed back on the card. However, on September *, 2014, I received a letter from Citi listing Dispute amount $1. 895 and transaction amount $1895, and stating that "The dispute was resolved in your favor. The credit on your account is considered permanent." I called Citi when I received the letter, and spoke with Citi dispute agent [redacted], agent ID [redacted], who told me that after I called in the previous time, a [redacted] reviewed the case, and that Citi had messed up the case and the case never went to pre-arbitration, so they will be giving me the money back to my account and that I should wait 2-3 business day for the funds to be credited. I waited a few days and when I didn't see the credit, I called back on September **, and spoke with [redacted], who told me that the letter that I was referring to was never sent to me, and that I was never told that the dispute was resolved in my favor. I advised the agent that I have a physical copy of that letter and can supply proof that it told me that I will be getting the credit, and that the amount on the letter was $1, 895. He insisted that I will only get a "goodwill" credit of $110. I was advised that I could send proof of the letter to [redacted]. On September **, I faxed a copy of the letter to [redacted], advising that the Citi dispute agent told me that Citi messed up the dispute and that due to that, the information on the letter was correct. I didn't hear back from [redacted], so I called in on October [redacted] and spoke to [redacted]. I told [redacted] that I sent in proof of the promise of credit for the $1,895 to [redacted], but never got contacted by the [redacted]. [redacted] told me that she checked her notes and saw that the [redacted] approved the request for the credit and that I will be getting the full $1,895 back to the card, but that I have to wait until the statement cycle on October [redacted] before I will see it. I told [redacted] that I wanted to make sure that she is telling me the correct information because I was promised the money back before, then was told that I was only going to receive $110. [redacted] assured me that this is going to be for the full $1, 895, not for $110, and that it's already approved, and again, that I should allow more time. I waited for my October statement and still didn't see a credit. I called back and complained that Citi was not honoring the credit as promised. On October **, I spoke with a [redacted] and I asked her to go over the notes to see where the two agents assured me that I would receive full credit back to the account. The [redacted] told me that agents did not note the account and are not required to note everything. I asked why agents are not required to note such vital and key information, and I also asked if agents get to pick and choose what to note on the account, and [redacted] told me yes. I requested to speak to that [redacted]'s [redacted] and requested that Citi review the calls in which I was promised the credits. [redacted] got back to me and told me that those calls were never recorded because they do not recall all their calls, and that they will not be giving me the credit for the $1,895. I feel as though no one is held accountable for anything that is said or done at Citi, hence, the lack of effort and care to get things done on behalf of the customers.Desired Settlement: Citi should take future steps to ensure that customers' accounts are properly documented/calls monitored/calls recorded. I am requesting that the credit of $1,895 that I was promised twice, be applied to my account.

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: My complaint is against [redacted]. Today when I called [redacted], I was given a number for the Citibank Recovery Center. I gave the card number, and asked for information regarding the last charge made on card. I wanted to know the exact amount of the charge & the name of the merchant. I gave my name, the account number, and my mothers maiden name. However, I was not giving any information because they also wanted my date of birth and my SS#. Therefore, I do not have the actual date of the transaction, or amount, or the name of the merchant. On 09-**-2003?, I received a call on my cell phone from a California area code. The salesperson offered me seven LLCs for $4,800?. I believe the company name was [redacted]. I asked the salesperson several times if there would be any additional charges. I was told if I paid the $4,800 I would receive seven LLCs and there would be no additional costs. I paid the $4,800 with my [redacted] Universal credit card. The following day on 09-**-2003?, I received another call from [redacted]. A different salesperson with a similar phone number, asked if I would like to purchase some items which would be needed with my LLCs. I told him I was not interested, & I was told I would not be contacted by any more salespersons! I also told him not to call me again because I would be cancelling the seven LLCs immediately.My next call was to the first [redacted] phone number that I received the day before. The salesperson was not in his office, so I left a message cancelling the seven LLCs. I did not have an address to send a formal cancellation notice; I only had a phone number. My next call on 09-**-03 was to [redacted]. I told the customer service represtive I just cancelled the purchased I made on the previous day. The [redacted] agent told me to call back when I received the bill. One month later when the bill came in I called [redacted] back and once again told customer service I had cancelled the charge for $4,800?.I was told they would investigate the charge, and I would not be charged any late fees until the investigation was over. On my next bill, I was surprised to see the charge for $4,800? to [redacted]. When I called [redacted], I was told they had investigated the charge, and I was responsible for the $4,800? dollars. I reminded [redacted] customer service, that I had called them on the day I CANCELLED, and they did NOTHING. I also reminded [redacted] that I had not received any services or products from [redacted]. What kind of investigation did they perform? Before this, I always paid [redacted]. on time. To date, 11-**-2014, I have NEVER received any PRODUCTS or SERVICES from [redacted].Desired Settlement: I want my credit restored.

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:

Regarding complaint ID # [redacted], I have not communicated with a Citibank representative. Therefore, my complaint has not been resolved. Your help regarding this matter would be greatly appreciated.

Thank You,

###-###-####

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

Sincerely,

Business

Response:

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

Review: [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,

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: Citibank advertised Citi(R) / AAdvantage(R) Executive World EliteTM MasterCard(R) to me few months ago for a $450 annual fee. When I applied for the credicard from the website ([redacted]) the footer note next to the annual fee had the following section:

"The standard variable APR for purchases - 15.24% and also applies to balance transfers; standard variable APR for cash advances - 25.24%. The variable Penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. The annual fee is $450. Minimum interest charge - $0.50. Foreign purchase transaction fee - None. Cash advance fee - either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee - either $5 or 3% of the amount of each transfer, whichever is greater."

As you can see there is no mention of this annual fee being non-refundable after 37 days. Today (01/**/2015) when I tried to close the card today at [redacted] (after almost three months of usage) customer support members of Citibank organizations ([redacted] in [redacted] and [redacted] in [redacted]) denied me a pro-rated refund for the annual fee. They kept saying it was notified to me that this was the rule but that is not the case and you can see that it is also not clear on the website. I find this a predatory practice and feel cheated. I have spent almost $350,000 with Citibank cards over last 10 years but they still had no intention to do this mistake right for me. I can only imagine how they treat their other customers who probably don't have that kind spending history with them.

I know Government has taken very concrete steps since 2008 Financial Crisis to curb such financial practices and I would like to bring this to the bureau's notice so they can put an end to marketing of this card unless it is made very clear that the annual fee is non-refundable.Desired Settlement: Pro-rated refund of the $450 annual fee.

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: I canceled my card in October **, 2014 and the bill was 316.21. In December, 2014 I received and e-mail stating that I owe over six thousand dollars. I called Citi Bank and asked them what happen, because I canceled the card in October and nothing supposed to be added to it.even though my name is on the card,I have never used Citibank and I refused to pay the bill. They claimed that they going to investigate and go after the person that used the card...They are harassing me, calling me, demanding money. When I canceled the card, it was canceled that day and not later in the month. No charges should have been added...The October [redacted] bill was $316.21 approximately. I am homeless and I don't need my credit mess up....I am trying to find me a place to live. I can't tolerate this because it making sick. They should have closed the account when I called the first of October.

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

To investigate, find the person or persons that used the card and get the payment from he/she. I want my name cleared and the bill taking care.

Business

Response:

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

Consumer

Response:

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

[Your Answer Here]Citibank stated that would investigate and see what can be done about the problems. As of today, Citibank called me from 8AM until...at this time I am not going to agree to anything that is not correct. I know when I called and I know that I don't have a reason to rent a car or to be in Georgia. At this time, I am trying to keep a roof over my head....something is not right.

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

When I talked to Citibank, they want me to make arrangement to pay them....I don't have any money and I need a place to live. I don't have any means of paying them, especially for something I never used. They messed up my credit.....

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: Credit Card account was closed June 2014 (as per requirement for VA Loan) and the Balance provided to me at that time was $35. Loan was still in process during when June Statement came in so I sent a $25 check payment immediately (June *, 2014; check #[redacted]) to avoid penalty. The balance on account after payment was credited was $17.75. When the $35 check was received from my VA Loan, it was mailed to [redacted] immediately. Then the Balance on August Statement was $35.94. I thought this was the end of it but to my surprise, another Statement was received in October 2014 for $44.91. I contacted the [redacted] Customer Service (October *, 2014) and I was advised that I was erroneously charged and will be given $9 credit and that I will be receiving a check in the mail. No check came; instead, I received another Statement with a much higher balance of $81.05. I sent them a letter inquiring about the charges for a closed account. No response was received whatsoever BUT another Statement came, this time with a new Balance of $136.60 (February **, 2015 Statement). Please help resolve my problem with [redacted] Credit Services.

Product_Or_Service: Home Appliances

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

DesiredSettlementID: Other (requires explanation)

I believe I have paid all the money owed on this account. All I ask is for [redacted] to really CLOSE this account and to stop charging me fees and penalties. I would like to maintain my Credit score and I don't want this to go to collection.

Business

Response:

We have corresponded directly with our customer. If you would like to further discuss the resolution, we suggest you contact them directly.

Review: A payment in full was made to my Sears Account effective 02/2014 and they contuine to bill me for interest charge and overdue charges.

I conversed with Sears employee [redacted] I.D.#[redacted] who, after adjusted the account to show my payment, in full. [redacted] furthur stated that the next statement will show a zero balance but that did not happened.

I received a bill for $48.94 and I contacted Sears Customer Service on 04/**/14 and conversed with [redacted] I.D.#[redacted] who stated that she can only remove a portion of the outstanding balance even though I informed her of [redacted]'s transaction. To date, no response from Sears but I now have an outstanding balance of $160.61 and possibly more cahrges added to this amount since the last billDesired Settlement: I am requesting the removal of any outstanding amount regarding this transaction from my Sears Account #[redacted].

Business

Response:

[redacted]Hello and good day,We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him/her directly. Thank you[redacted]Boise Executive Response Unit

Review: I opened an account with [redacted] and they me the interest on the card would be added if the card was not paid in a certain time I am a elderly woman

flat screen tv 4 complaints made, and 2 calls complaining about the treatment I received they did not care. They were rude an uncaringDesired Settlement: I would like to have them knock off 40 percent of the interest they put on there. I asked then would there be extra interest charge and they told me yes, 20 percent more. I am 69 years old and I like on a fixed income and cannot afford to pay 4000.00. I need some assistance please.

Business

Response:

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

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: (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]