Citi

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: In January 2016, I received a letter from CitiMortgage dated December **, 2015. The letter was to inform the customers that Citi had changed the payment address. The letter informed its customer that Citi would forward any payments until 12/**/2015.

I contacted the Customer Service group and I was not impacted because I have automated payment set up but I asked him how people they could sent out a letter dated the same day they said they would stop making payment. He stated he was getting complaints all day.

I just wanted to complaint because this issue has the potential for people to receive late payment penalties or even have a negative impact on there credit score.Desired Settlement: I would like to ensure that CitiMortgage will not charge any late payments or impact any credit scores of their customers. The customer's should not be impacted by the companies failing to communicate this change of address in a more timely manner.

Business

Response:

Business response attached DH

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: A year ago I moved and forgot to inform [redacted] that I had moved. The next time I went to [redacted] to use my card it was declined. I called to find out why and they said I hadn't paid somewhere around $30. I hadn't received the bill so I asked them to send me a bill and I would pay it. They never did send it. I called Customer service and e-mailed them and they said there was nothing they could do about it and told me they couldn't tell me what I purchased and I should just pay it. Then they put on finance charges. I sent them the money and they still kept putting finance charges on and they continue to do this. They are over $100 now.Desired Settlement: I would like them to consider the debt fulfilled.

Business

Response:

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

Review: 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: This complaint is with my [redacted] which is provided by Citibank. When I received this card in 2003 they solicited me to get an additional coverage in the event that I lost my job. The additional was an extra fee the name of this coverage was 'Accountcare'. I agreed to this in 2009 when I got laid from Teaching I did not contact them immediately because I was taking care of a sick relative. When I did contact them about the account they asked for certain information about unemployment compensation, I forwarded them all the information, which I thought at the time was unnecessary because I had been paying into this account for years and this was suppose to take care of the bill if illness/or loss of job occurred. Well they informed that they could not take of it even though I had paid into this account for at 5 years and then they kept charging me the fee although they would not take care of it, I had to call them repeatedly to remove that charge off my account because I am still paying on that bill. They have never reimbursed me my money from accountcare they I was ineligible to receive after I made 5 years worth of payments.I have been paying this bill online every month since back in May or June of last year my payment was 35.00 I paid 32.00 accidentally and when I realized it I called them and said a day later that I had made the mistake and that is when this other problem arose, they started doubling anf tripling my account that I could not afford the monthly payment. But, I keep paying them every month want I can, I have never missed a payment it might not be what they want but it more than not paying anything at especially since they dubbed me out of thousands of dollars from the accountcare. Then they took 2 payments out of my account last June, so I said okay they tried the same thing last month and I had to make them put one of the payments back into my bank account because I pay them through my online banking.

Product_Or_Service: credit card

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I would like a full refund for the money that I put into account, because although I have never missed a month paying they are threatening to send my account to a credit collector. My ex-coworker who [redacted] had the same problem but they did not send her the letters threatening collection as they are me, they target [redacted] customers and give us higher interest than our counterparts. I want a full refund for money I put into an account they dubbed me out of.

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. Sincerely,

[redacted]Boise Executive Response Unit

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: A [redacted] citi card was taken out fraudulently in my name. After over a year, [redacted] still has not removed it from my credit report.

In December of 2013 I was made aware that a [redacted] Citi card had been opened fraudulently in my maiden name. As soon as I was made aware, I called [redacted] and was transferred to their fraud department who took my information and said that I would hear back from them in a month regarding the outcome of the investigation - no further information was needed from me. I never heard back and the item was still showing on my credit report so I called [redacted] and they told me that it was confirmed to be fraudulent and not to worry. In April of 2014 I started to get calls from a collections agency regarding this same [redacted] account. So I called [redacted] again and they said they didn't know why it was sent to collections and that it was found to be fraudulent. The calls stopped even though the item still appeared on my credit report. In December of 2014 I recieved another letter from a different collections agency regarding this same [redacted] account. I called [redacted] on January [redacted], 2015 and was once again told that the account was found to be fraudulent and that they would send me a letter within 2 weeks so that I had confirmation. After 2 weeks and no letter recieved, I called [redacted] again and was finally told that everything I had been told for the past year was incorrect. The account was determined to be NOT-FRAUDULENT in January 2014 due to lack of information from me because I never sent back the affidavit. When I originally talked to [redacted]'s fraud team in December of 2013 I was never told to expect an affidavit or that I needed to provid any additional information. I then found out, they sent it to the FRAUDULENT ADDRESS! I would have never recieved it even if they did tell me about it. Given this, I had them reopen the investigation in January of 2015 and finally in February they confirmed that it was found to be fraudulent. But now, I needed to wait for it to be bought back from the collections agency before it could be removed from my credit. It has been over 30 days and it has still not been bought back from collections. I've called every week and the fraud group refuses to tell me why it's taking so long or do anything to speed up the process despite this ENTIRE situation being [redacted]'s fault. We are trying to buy a house and this has dropped my credit score so low that I no longer qualify for a conventional loan even though my credit is good despite this fraudulent charge. I cannot believe their inadequacy throughout this entire process and that I was lied to for over a year and now they are doing nothing to help fix it.Desired Settlement: At the very least, I want this to be bought back from collections and removed from my credit NOW. We should also recieve some type of compensation for the nightmare that they have already put us through, not to mention that we will likely lose the opportunity to buy the first house that we wanted because of their inadequacy. If we do qualify for an FHA loan, we should recieve from [redacted] the PMI that we will have to pay due to our inability to qualify for a conventional loan because of [redacted]

Business

Response:

We have completed our investigation and have responded directly to [redacted]. She will receive our written response in the next 7-10 business days. If you would like a copy of our response you will need to request that from [redacted].

Review: FRAUD ON ACCOUNT THAT HAS BEEN REVOLVING FOR A VERY LONG PERIOD OF TIME. CITI REFUSES TO DO THEIR JOB AND REMOVE FRAUD AND CREDIT ACCOUNT. THE ONLY CHARGES MADE TO ACCOUNT THAT ARE NOT FRAUD ARE CHARGES MADE TO [redacted], [redacted] AND [redacted]. ALL OTHER ARE FRAUD CHARGES. WE HAVE BEEN CALLING ONCE A DAY EVERY SINGLE DAY FOR WELL OVER A YEAR. ALL WE EVER GET IS SOME FOREIGN CSR IN ANOTHER COUNTRY WHO "ASSURES ME THAT ALL WILL BE CORRECTED". WELL NOTHING HAS EVER BEEN CORRECTED NOR WILL ANYONE CALL US BACK.Desired Settlement: FULL CREDIT TO ACCOUNT AND UP TO DATE POSITIVE NOTES ON CREDIT FILES TO ALL CREDIT BUREAUS ASAP!!!!! WHY IS THIS TAKING SO LONG? WHY IS NO ONE DOING THEIR JOB?

Business

Response:

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

Consumer

Response:

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

THE RESPONSE MESSAGE IS BLANK. THE FRAUD IS STILL ON THE ACCOUNT. NOTHING HAS BEEN REMOVED. NO ONE WILL CALL ME BACK. WE CALL ONCE A WEEK EVERY WEEK AND HAVE FOR MONTHS ON END NOW WITH NO RESOLUTION.

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

Sincerely,

Consumer

Response:

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

SOMEONE SENT A LETTER THAT DID NOT ADDRESS THE LONG OUTSTANDING FRAUD CHARGES. THEY ADDRESSED SOMETHING THAT HAPPENED YEARS AGO. THE BALANCE THAT IS ON THE ACCOUNT NOW IS FRAUD FROM 2014 AND 2015!!! WHY IS NO ONE HELPING? DO NOT SEND LETTERS! CALL!!! I AM OUT OF THE COUNTRY FOR WORK SO MY WIFE WILL BE ABLE TO SPEAK TO SOMEONE.

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 him/her directly.

Review: My Best Buy (Citi Bank Card) has owed me 56.90 since November [redacted] 2015, when I inadvertently overpaid before closing my account . I've been forced to call repeatedly, when the check does not arrive in 7-10 days-as promised. Every rep until today told me they're sorry and"the check is in the mail". Today I'm told Citi @ ###-###-#### now needs for my bank to fax my banking statement to resolve this. Seriously? It has already be determined that I have not received or cashed a check nor has there been an automatic payment,. Yet this is how CITI treats people simply trying to get what they have coming, with more red tape?

I was changed a late fee TWICE by mistake during the promotional period, which is the primary reason I wanted to just pay off the balance and close the account.Desired Settlement: Send me a check for the amount I'm due immediately. I do not appreciate being jacked around for months over this.

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: that payment. I called in December 2013 to request late fee to be waived. I was told to fax a letter to ###-###-#### Attn: General Services. I faxed a letter on 2/*/14 and didn't see anything credited. I called on 2/**/14 to make my final payment and a rep said that he sees my letter and the late fee of $25 will be waived. I was told to make a final payment of $220.40 and he confirmed that I was paid in full. He said the late fee will be credited after the 2/**/14, which is after the promotional end date. but he said that I'm all paid in full and I don't need to worry about any other fees or balances. I received a bill a few days ago showing the late fee of $25 was never credited and an interest of $408.84 was charged. I called ###-###-#### and spoke to [redacted] and he said that they couldn't see any notes about late fee being waived and that he couldn't help with anything else and that I owe that amount. It's a very poor customer service and very unacceptable for a business like that not to know how to handle transactions. [redacted] was very rude on the phone and didn't seem to care about anything I had to say. I will not be paying this amount since I am all paid in full and would like this balance to be removed from my bill and confirmation to be sent to me that it's paid in full.Desired Settlement: na

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: Cancelled order same day order was placed, but they refused to credit me and have charged my credit card more than they should have.

On ** December 2014, I ordered a tablet (Model # T100TAM-C1-GM, Internet/Catalog SKU# [redacted]) from the [redacted] website - order [redacted] - charging it to my [redacted] credit card. The total was $420.95. Immediately after the order was placed, I checked my [redacted] credit card account info and saw that the tablet purchase would put me over my credit limit, so I called [redacted] customer service and requested that the order be cancelled.

I was told during that call the the order had not yet been placed and therefore would be cancelled.

Some time later (1 week approx), I checked my [redacted] account and saw that order [redacted] was listed with an order status of "complete", and showed as "shipped" with an estimated delivery date between December [redacted] and January [redacted]. It also showed with [redacted] tracking number of [redacted], which indicates that a shipping label was created but that the item was never actually shipped.

I contacted [redacted] customer service again and requested that the order be cancelled. I was led to believe that the cancellation request was received, and would take up to a week to show on my account.

I have tried twice more, and protested the charge with the [redacted] through the website, without success.

I again contacted customer service tonight, who have repeated what I was told on previous occasions - that it could "take up to a week" to process. The [redacted] tracking shows the same as before, namely that a label was created, but that the item was never actually shipped.

I now have extra fees on my [redacted] credit card as a result of my going over my limit and not paying my bill on time. I will not pay my bill with them until the order is cancelled, the fees removed and my status restored to "not late" in all respects.Desired Settlement: Order [redacted] cancelled, my [redacted] card credited for this order, all late and overlimit fees removed from my [redacted] credit card account, and all references to being over limit and late removed from my [redacted] credit card account. In turn, I will promptly pay my balance due once these terms have been met.

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: I am seeking [redacted] to crdit my son"s account for all late fees, open his account back up, and restore his original credit.

I contacted [redacted] in January 2015, on behalf of my son who is currently attending medical school out of the country, because he had lost his wallet and all his cards were lost including his bank card. I asked to discuss his bill so that I could start paying to keep up with his payments. They told me that he would need to authorize me to do so, which was almost impossible, but I managed to get him on the phone to authorize me. I called later to discuss his bill and I was told they have no record stating that I could discuss his bill. This has been going on since January. Since then they have hit him with four late fees plus the interest that would not have been as much if they would have let me take care of the bill in the first place. If they will be honest and check the phone records and fax records, they will see that I have been diligently trying to get this matter resolved. I feel that [redacted] has been very insensitive in this matter. As a result of their negligence and insensitivity, his credit limit was decreased and then they closed his account, all while I was trying to work with them They were not trying to understand that my son couldn't just pick up the phomne and talk to them which is why he had me. But no, [redacted] wasn't hearing that.Desired Settlement: I am seeking all late fees to be taken off his account, his account be opened back up,and some of the interest rates taken off as well because it was totally their fault that this happened.

Business

Response:

Tell us why here...?We have corresponded directly to [redacted]. If you would like to further discuss the resolution, may I suggest you contact 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]Because the company still has not even attempted to meet us half way in this matter. I just cannot believe how nonchalant they have been concerning this matter. Also if they spoke with me, nothing has been resolved which is why I am filing this complaint. I also informed them that I would be contacting Revdex.com, and it appeared to me it meant nothing

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

Sincerely,

Consumer

Response:

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

[Your Answer Here]

I see that this business refuses to be honest in admitting that fact that twice my son authorized me act on his behalf concerning his account He will be back in the country at the end of August ,and I intrnd to fight this establisemt to the end,becUsr they are wrong

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

Sincerely,

Business

Response:

We responded to [redacted] on July **, 2015. If she wishes to share this information, she can provide a copy of our response to the Revdex.com.?

Review: Innapropiate charges on my credit card and bad customer services.

I went on vacation to [redacted] with my wife to visit her son and we went to [redacted] located by[redacted] mall. My wife was buying 2 3pcs bed set and when we went to pay the cashier ([redacted]) told us if we apply for the [redacted] master card he will give us $15 discount on the merchandise. we told he we already have a [redacted] card but he continue insisting in opening a [redacted] master card, we also told him we live in [redacted] but he told us to opened with my step son address: which was [redacted]. He said to both of us to open the card and I asked him if we can use both discounts he said yes and he putted the 2 conforters set in my wife account and give us the 2 $15 discounts and we put it and on my wife card and made a payment for the same amount in cash. Few months later I received a statement with a charge for $15 don't know why. My step son call the card services department but they couldn't help us because she said have to be handle by the resolution department. I decided to make the payment even when was not right since the cashier made the mistake and few weeks latter when I was in [redacted] I went to [redacted] and they told me I have late charges and my card was close and also that they will report on my credit. I been with [redacted] for long time and I always pay ontime. I want this to be resolve and credit any charges back to my account and fix any issue they put on my credit report because of this mistake made by [redacted]. I had never use my card so I do not know with I owe the $15 and the fees.Desired Settlement: please to refund the fix, fix my credit report if you reported and refund the $15 dollars

Business

Response:

Tell us why here...Good day Team, 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] [redacted] and Citi they haven't resolved my issue yet.

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

Sincerely,

Business

Response:

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

Review: Recently I sold my house, and moved 10 hours away to start a new business. With the money I received from the sale of the house I paid off a lot of my personal debt including my CITI card for 3,500.00 on a 4,500.00 credit limit. Without my knowledge or informing me whatsoever, CITI decided to lower my credit limit to 2,000.00 thereby freezing my funding to start my new business as I had planned on using the card to get it going. I explained my situation to them and that my credit score would not be increased until the [redacted] of December being that the pay downs were so recent. CITI declined to raise my limit from 2,000.00 and when asked if I could receive a refund on part of the money that I had paid them I was declined as well. Had I known that CITI would put me in a virtual choke hold in my new career and location, I probably would have kept most or all of my 3,500.00 payment so that I could survive at least until December. After being lied to, call dropped, ignored, and unheard by CITI and it's employees as I was trying to navigate what was happening to me, they have lost a great customer who was planning on starting and running an entire business with them forever.Desired Settlement: I would now like a refund for the difference of what I spent since my 3,500.00 payment was made with CITI, so that I can survive. I will continue to pay the minimum balance monthly in a timely matter.

Business

Response:

Dear [redacted]:

We recently received an inquiry on your behalf from the New York Revdex.com regarding the above-referenced account.

I certainly regret any inconvenience you may have experienced due to our Credit area's decision to decrease your credit limit. However, as stated in your Card Agreement, we may reduce your credit limit at any time for any reason as permitted by law. Part of our periodic review of accounts involves evaluating our card members' credit bureau reports to verify how the credit relationships are being managed. When we obtained a copy of your Equifax credit bureau report, it reflected delinquent credit obligations. Based on this information, your credit limit was decreased from

$4,500.00 to $2,280.00 on November **, 2013.

We respectfully decline your request to return a portion of your payment. The $3,500.00 payment that was received on November *, 2013 did not create a credit balance on your account and returning it would cause your balance to exceed the credit limit.

I appreciate this opportunity to respond to your Inquiry.

Presidential Communications

Review: On Friday September [redacted] 2014 my postal uniform allowance was to be available through citi bank. I was told that I had to wait 24 hours from this date for the balance to be available. I was then told that I still had a remaining balance of $19.51 from the previous balance. I was told by the representive that I had to use the balance by midnight that day or else the balance would be lost. they failed to inform me that it was actually too late to use the balance. I placed a small order through them to use the rest of the previous years allowance and the representive failed to inform me that they would not honor the remaining balance. When I went to use my new allowance of $390 when it was available they informed me that there was already a transaction being deducted from my new balance for the $19.81 from the day before. When I tried to get a [redacted] to try and clarify and possibly correct the situation they had told me that it was my fault and refused to try and help. They told me that they were not at fault and that they wouldn't do anything to correct the situation.Desired Settlement: I would like for them to properly handle the situation and for them to take responsibility for their mistakes and not brush their customers off

Business

Response:

[redacted]

To whom it may concern;

We have diligently searched our records and have been unable to locate a Citi Prepaid Card for this customer. We have called the provided contact number three different occassions, leaving a message each time. Until we receive a call back from [redacted] we are unable to assist.

We feel that this is not a Citi Prepaid Card product.

Please advise if additonal actions are needed on our part.

Regards,

Review: The end of April 2013 I purchased a lawn mower on a new Sears chanrge. ALmost two months I had not received a statement nor had I received the charge card. I phone Sears billing and was told I had incurred a late fee. How was I to pay on this credit line having not received a statement or a card. I made a payment by phone and the late fee remained on my account. They said the charge card had not been activated and would cancel it and send a new one. I got a statement days later in early June 2013, another a month later. I submitted payment and called to complain about not receiving the second card. Again they said it had not been activated and would cancel it and send anbother. I did not receive the third card and did not get asnother statement until November **, 2013. I called and they said I had a total of three late payment fees. I complained, but they would not remove them. I paid off the credit in full and cancelled the Sears charge.

Product_Or_Service: Lawn Mower

Order_Number: N/A

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

I feel I should be given back the three $35.00 late payment fees I have paid and they should remove any negative entries on my credit history.

Consumer

Response:

I NOT 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:

Revdex.com's message to me states there is a business response to my complaint. I find no response here on your web site.

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

Sincerely,

Business

Response:

Dear [redacted]:

We recently received an inquiry from the Revdex.com of New York regarding the above-referenced Sears MasterCard account, which is issued by Citibank, N.A. We appreciate your patience while we reviewed your concerns.

Our records indicate you opened a Sears MasterCard ending in [redacted] in April 2013. Purchases totaling $228.96 along with an opening credit of $15.00 were billed on the May 2013 statement. A minimum payment of $25.00 was due by June **, 2013. The payment was not received, and a $25.00 late fee and $4.38 interest charge were assessed. The minimum payment due increased to $57.38 with a due date of July **, 2013. You placed a call to Sears Credit Services and made a payment of $60.00 on June **, 2013. The account was transferred to the account ending in [redacted] as you advised you had not received a billing statement or card. Your address on record was verified and a new card was sent on July *, 2013. A minimum payment was due on August **, 2013, in the amount of $25.00. Upon non­ receipt of the payment, a $25.00 late fee was assessed. A payment of $60.00 posted on August **, 2013. Additional late fees of $25.00 and $35.00 were assessed to the account in October and November **, 2013, when the minimum payment was not received by the due dates. A payment was received on November **, 2013, in the amount of

$161.85. The account reflects a zero balance. You spoke with a member of our Customer Service Department and requested the account be closed. Please let this letter confirm that the account was closed on that date.

Respectfully, we are unable to meet your request to update the payment history of the account or remove the late fees as we find the fees valid. We found no returned mail on the account history. We are obligated to report payment history based on factual account data, as required by the Fair Credit Reporting Act (FCRA). The payment history on an account can only be adjusted due to a bank error. Based on the circumstances, we feel the information that reflects on your credit report is valid and it was not a result of a bank error. You may wish to request the credit-reporting agencies place a consumer statement on your credit profile explaining any extenuating circumstances that may have caused the account to become delinquent.

Presidential Communications

Review: I went to our local [redacted] store on 06/**/14 and purchased 2 tools for my husband. Cashier said that if I used my [redacted] master card I could save 5%, so I did. The bill came in the mail and I paid the bill on line through my credit union. Apparently I paid on my husband's card number. The next bill came in August with the amount owed plus $25 interest added on. In the meantime, they did not refund my money that was paid on my husband's account. His August statement showed $30.19 credit and my continued to add up with interest payments. I called and explained the situation to [redacted] Credit Cards and they told me that they would take care of it and clear my account with a $0.00 balance. Then my Sept statement came with the additional interest added on with a collection statement. My husband's Sept statement was still showing $0.00 balance with the $30.19 payment. I called the collection agency on Saturday Sept [redacted] and explained the situation and they told me that they could only take the 2 $35 interest fees off and I still owed $25. I told them that it was not right since I really paid my bill and that I was filing a complaint with your agency and they discouraged me in certain words and told me that I still needed to pay the $25 and it I didn't, interest would still continued to add up. I am very upset with this whole situation. I know that it was my mistake in the first place to pay on the wrong acct, but all I want is my balance and my husband's balance cleared. I guess I will have to make the $25 payment until I hear from your agency and so that I don't continue to have interest added.

Product_Or_Service: Screw out bolt kitsDesired Settlement: DesiredSettlementID: Other (requires explanation)

The amount for the $25 that I feel as though I do not owe them and for [redacted] to not send me anymore information for any type of credit cards. I am done with their store.

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: Years ago, I used to have a Citi credit card.

When [redacted] tried to regulate credit cards companies, Citi wanted to take my rate from 9.24% to 20%+ for no reason. They threaten me and said that if I did not accept the increase, the account would be closed.

I said "Fine - Close it!!!" - YEARS AGO.

A month later, when still making payments for the remaining balance -WITH THE ACCOUNT CLOSED- I discovered they removed ALL my Reward Points! At that time, they were good for 4 nights at a nice hotel...

I fought, but it was no use.

NOW, YEARS LATER, THE STRAW THAT BROKE THE CAMEL'S BACK:

I paid off the remaining balance in June ($101.50), and AFTER 3 MONTHS they say I owe $52.33 !!!!?????

I accessed the account online to discover "MINIMUM INTEREST CHARGEs" of $0.50 (???????? for what??????), and LATE PAYMENTS I guess because I did not pay those "MINIMUM INTEREST CHARGEs"...?

PLEASE - If I have to pay 52.33 I'll be more than happy to give that to ANY CHARITY - not to them.

Sorry, but I'm terribly upset!

Thanks,

[redacted].Desired Settlement: I should pay ZERO. (I tell them to be happy I did not file a complain when they removed ALL MY THANK YOU POINTS WORTH $400!!!!!!!!)

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: UNAUTHORIZED CHARGE OF $1,495 TO MY ACCOUNT BY UNLICENSED/FRAUDULENT COMPANY

Company put charge of $1,495 from [redacted] (an unlicensed company) onto my account (#[redacted]) without my authorization. Communication from the FL Attorney General's Office ([redacted]) advised that [redacted] is a fraudulent company and that "your credit card company should be contacted to have this charge removed." [redacted] has been contacted TWICE by myself via "snail mail" describing my problem and has failed to resolve this illegal transaction.Desired Settlement: Total and complete removal of the unauthorized charge from my account, along with any and all accrued interest and related penalties from this unauthorized charge.

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:

I am rejecting the business's response because I sent them multiple letters, and their trying to say that I didn't contact them till 8/2013. I originally called them 9 months later when I received the call from the Attorney Generals Office of [redacted], located in Florida. Her office is the one who told me to contact my credit card company telling them that they need to reimburse me of the money that was fraudulently taken. I called the business to tell them that, and they told me they would look into it. After some time went by, I didn't hear from them so I called them back, and at that point they told me I had to send a letter in writing, for which I did. Then they said I had to go thru the fraud dept. which I did, and then it went back and forth from the fraud dept., to the billing dept. Then they sent me a letter telling me that they couldn't help me, because I may have given the fraudulent company permission. Which I did not give the fraudulent company permission. I told the business that I've sent multiple letters and keep getting the runaround. Then they told me it went back to billing and the specialist would look into it. I'm still waiting for them to reimburse me.

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

Sincerely,

Consumer

Response:

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

I am not supposed to be responsible for fraudulent charges. I keep telling them that [redacted] never helped us. Once we found out how much they wanted to charge, we told them to forget it. But somehow they got my credit card account number and charged my account without my authorization. I also told them that the attorney's office of [redacted] located in Florida, they told us to contact our credit card company to be reimbursed of the fraudulent charge. They also told us that [redacted] was an unlicensed company and would be prosecuted to the full extent of the law. I want to be reimbursed the $1,495.00 plus compensation of the grief and agony I've been put through.

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

Sincerely,

Business

Response:

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

Review: I opened a Home Depot consumer credit card (serviced by Citibank) in August 2000. I never had a single late payment and spent many thousands of dollars in purchases. In September 2010, my husband was preparing to return home from deployment in Iraq and I had to move across the country for his military assignment. Although I submitted a change of address, I didn't receive a billing statement that month and I had limited internet access as I was traveling across the country in an RV. I made a payment (late) and called customer service immediately upon discovering the mistake. The customer service representative was kind and offered to remove the late fee and reassured me that the late payment would not effect my credit. The late payment was reported to the credit bureaus and, because I am a dependent spouse and my husband (the service member) was only a co-signer on the account, I was told that any rights under the SSCRA would not apply and that my excellent credit history did not matter. As a result, I have repeatedly been denied credit over the last 4 years. The only blemish on my credit report is a single late payment in the 11 years I had my Home Depot credit card. Despite repeated attempts to call customer service, the late payment was never reversed as promised. I have been trying for 4 years to get this resolved.Desired Settlement: Removal of the late payment (Sept. 2010) on my Home Depot consumer credit card.

Business

Response:

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

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 business has not contacted me.

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

Sincerely,

Business

Response:

We responded to the customer on 2/**/15 and 2/**/15. 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 the Revdex.com.

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 business is still not willing to honor the commitment that the original customer service representative made in Sept. 2010.

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

Sincerely,

Review: Dear Sir/ Madam,I have a CITI DIVIDEND Credit Card (Credit Card thereafter) and I enrolled my Credit Card for the cashback program already.I kept shopping with this Credit Card and earned accrued cashback dollars for a total amount of $47.82 in 2014 before I suddenly found all that money disappeared without any necessary information in November, 2014.Then I called Citi Dividend Credit Card service at phone # ###-###-####.I was totally surprised by the talk with the representative in terms of my missing $47.82. I was told that my $47.82 was forfeited by Citi Dividend Credit Card Company WITHOUT any due notice even after that money was taken away anonymously. The rationale for them is that they will forfeit any unused cashback balance less than $50 if one had no purchase activity for 12 months. Even the balance is so close to $50, and I am sure a timely notice will remind me to earn extra cashback to exceed the limit before my money was lost.I told the representative that how rare it was for a common customer to know that kind of hidden clause, and he showed me his sympathy by telling me that even he himself thought it shouldn't happen. So, he left a note in my credit card account to help me get my cashback money refunded. Unfortunatley, I received a letter on Nov. [redacted], 2014, and was told that my money could not be refunded as I did not have purchase activity for 12 months with that card.Unfortunately, they just took it without any due notification and even left no hint if you were unlucky to know that you once had the accrued money.Here I just want my lost money $47.82 back as it should not be taken away before a timely notice sent to me to remind that upcoming situation. And that really made me feel that someone just wanted to take away your money so they dislike to let you know it even after they succeeded.Thanks!

Product_Or_Service: Citi Dividend Credit Card Cashback

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I want a full refund for the amount of $47.82 as it was just taken away without any due notification to set up a reasonable reminder to common customer.

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]

Let’s review the response received from the business whose name is Citi “We will be corresponding directly with the customer as Citi has not received authorizationfrom the customer to release information to your office." I received this response on Nov.**, 2014. First, I have questions about their such a short response to Revdex.com in terms of handling Citi customer’s concerns. After elevatingthis complaint to Revdex.com, I think I already authorized Revdex.com by acquiescence as the mediator in light of this dispute which failed to get satisfying resolutionfrom Citi Dividend Card customer service at [redacted]. Yet nonetheless, anytime, Citi Dividend Card could ask for my authorization directly as they stated they would BE CORRESPONDING DIRECTLY, so that they could defend their unacceptable action against Revdex.com’s mediation. Unfortunately, I am still bewildered by the fact that they already CORRESPONDED with me DIRECTLY. I received a call fromCity Dividend Card Customer Service at # ###-###-#### in [redacted] on NOV **, 2014. I was NEVER asked anything in regard to the authorization to releaserequisite information to Revdex.com, the mediator, to get the complaint solved properly and timely under duly mediation. Now everyone can see the obvious self-contradiction in their response to Revdex.com. Why Citi responded to Revdex.com on Nov.**, 2014 by insisting that Citi WOULD BE CORRESPONDING DIRECTLY with the customer as they already DID it NINE DAYS earlier? Why didn’t they require thecustomer authorization at that time? Did they intend to evade Revdex.com’S mediation with the so-called lack of authorization from the customer? The possible speculation might be that they intentionally and knowingly brought up the Customer Authorization issue to Revdex.com tofend off mediation publicly without the knowledge of the customer at that time. Meanwhile, they willfully or negligently ignored to notify customer regardingthe formality of authorization during the correspondence with customer and then disabled the mediation or drag it out with the ungrounded and misleading statement to Revdex.com. Secondly, let’s move on to the actual correspondence with Citi Dividend Credit Card Customer Service in [redacted].On Nov. **, 2014, I received a phone call whose number was ###-###-#### from S.D., and a lady of Citi Dividend Card talked to me. She just mechanically repeated what stated on the decision letter they sent to me earlier on Nov. [redacted], nothing mentioned in terms of the authorization to release the requisiteinformation to Revdex.com to better solve this dispute. Then, for the first time I knew that the so-called expiration date for my $47.82 online shopping cashbackbalance was Sept. **, 2014 which meant I almost immediately called them about the untraceable loss of account balance. You know, never could I have any clue in light of WHEN the unilateral expiration date would be before I could take any action to prevent the loss. I am not new to a variety of cashback programs at all, but that was the first and only time I knew that an expiration date was set up without any duly notice BEFORE and AFTER that account balance was taking away which is completely untraceable. One would never know the withholding if he had no luck to know about the existence of that balance.I clearly told that lady, provided the duly notice was there already, I would just need to make few purchase to save my cashback balance before the so-called expiration date as my balance was $47.82, pretty close to their limit of $50 to cash in my balance. What totally shockedme was the response from that lady. She told me indifferently that $47 or $50 meantthe same to her. That just showed arrogance and ignorance about customer concerns. I kept asking her just one simple question whether she would feel it okayif someone took $47 out of her salary as she showed me her indifference and poor understanding about the quality of customer service. She kept silent. Now we can deduct her rationale easily: It’s worthless if it is the $47 is customer’s money, whereas, once being possessedby them, then, it DOES matter and NO REFUND even though it’s their negligence and fault.Also, I am really skeptical about that representative’s capacity for customer service as she could not even know theso-call $50 limit to honor the balance of cashback by stating that $47 or $50meant same to her. The poor knowledge about customer service really indicated whyshe could only mechanically repeated what was written on the letter sent to me earlier. Maybe that explained why Citi responded to Revdex.com that they “will be corresponding directly with the customer” as that unprofessionalof customer service led to error/negligence on the update of correspondence with customer. Whatever, it is not hard to imagine the big mess of customerservice just based upon the complaint handling this time. Then she added by admitting that it’s importantto make future improvement on notifying customers like me about the expirationdate of cashback balance. Then I asked in vain about the refund for my losswhich was the outcome of their negligent inaction. So I told her I would keep thiscase open. After that, no one contacted me any more before I knew they claimWOULD DIRECTLY All in all, it is not hard to understand whyeven that short a response to Revdex.com was full of ungrounded statement andmisleading information. No wonder they took away customer’s money with NO necessaryinformation BEFORE and AFTER that action. I think Now Revdex.com and all the readersof this complaint could have own preliminary judgment already on the quality ofCity Dividend Card Customer Service. My decision is thatI still want a full refund for my loss of $47.82 regardless of themisleading message they sent to Revdex.com. The response from Citi Dividend CardCustomer Service did not truly describe their role in negligently failing toget the authorization from customer to release the requisite information forthe mediation by Revdex.com. They could not impute the customer about their own negligence. Therefore, the complaint could NOT be solved by so-called direct correspondence withcustomer WITHOUT appropriate mediation from Revdex.com or other authorities.

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

Sincerely,

Business

Response:

We responded to the customer on 11/**/14, 12/*/14 and 12/**/14. If the customer would like to share this information they can provide a copy of our response to the Revdex.com.

Consumer

Response:

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

[Your Answer Here]

Not surprised at all for such a shortresponse to NY Revdex.com and customer like before. “they can provide a copy of our response tothe Revdex.com” ---- Is it [redacted] or anyone else from Dividend Cardmade that response to NY Revdex.com? It apparently contradicts with the so-called “POLICY”I was told by [redacted] on 12/**/14 that they would “not correspond with Revdex.com”. Sheeven refused to correspond with Revdex.com after I told her that I could send her awritten authorization which she requested on 11/**/14 (See her prior response please). If so, was [redacted] misguiding customer negligentlyor intentionally on 12/**/14? But nonetheless, why did they assign such anincompetent staff to call customer again and again without basic knowledgetowards due policy? Is [redacted] the only person handling related issue?Now, I am NOT surprised AT ALL at losing my cashbackmoney $47.82 after reading so many self-contradictory and unaccountableresponses. Thanks to them for letting me have insight into the actual customerservice quality. My next decision will be termination of the Dividend Card. I do not know why [redacted] called me again on12/**/14. As everyone can see, I already rejected new response from [redacted] asshe failed to show competence and credibility. She just challenged her own statements toRevdex.com and customer for times. May I guessthat [redacted] even did not read my last response carefully before she called meagain on 12/**/14? Actually, I am used to that already. Let’s move on to my claim: 1. I still want a FULL REFUND for my $47.82 Dividend Card cashback. [redacted] told me for times that their work needed improvement in the future, so, why not take actionto show customer THE IMPROVEMENT immediately if she will not deny it in the next response. 2. I will reject response from [redacted] after she failed to convine me her competence andcredibility. A new representative/supervisor of Dividend Card in New York to oversee theprocessing of the complaint will be great helpful as it’s unlikely that [redacted]is the only available person to handle this complaint for Dividend Card. 3. Can Dividend Card find staff for Customer Service in New York to further duly response? I am still confused why [redacted] in [redacted] accountable for this complaint as that is not within thejurisdiction of New York Revdex.com. Initially, I resorted to Revdex.com whose Jurisdiction consists of Business in [redacted]. But now it’s so confusing that I am still receiving responses from [redacted],not NEW YORK CITY. AGAIN, I am NOT surprised AT ALL at losing my cashbackmoney $47.82 after reading so many self-contradictory and unaccountableresponses. Thanks to them for letting me have insight into the actual customerservice quality. Termination of this card and its related service will be mynext and best decision after this complaint.

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

Sincerely,