Citi

Review: Submitted an online payment using [redacted] Credit services electronic billing service. [redacted] refused the payment in order to charge a late fee.Desired Settlement: removal of fee

Business

Response:

We are mailing our response directly to the customer on March **, 2015. After receiving our response, if the customer would like to share this information they can provide a copy of our response to the Revdex.com.

Review: My credit card fell behind in payments. I called to make payment arrangements, to bring the account current and make sure it would be in good standing. The first customer service representative was kind, and said she had to switch us over to a "special department." Ok, no problem. I started over with all the security questions and what not with the second representative. The representative was rude, he declined payment and would not provide any information. I asked to speak with a supervisor. He said, "Not a problem." I was then placed on hold for 20 minutes. When I did not hang up I was transferred to a representative that worked for Citi cards for [redacted]s and [redacted]'s exclusively (which my card is not). She was very apologetic, but was unable to help. I hung up and called back. I have now tried four different customer service numbers, each one has the same result, I am promptly hung up on as soon as I enter my card number or social. My card is still behind and though I am actively trying, I cannot seem to get Citi to accept a payment (though I'm sure they would be more than happy to charge more fees).Desired Settlement: I would like a phone call and to be able to make a payment on the account to bring it current and back under the limit. It would be ideal if we could still do business with Citicards moving forward.

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:

[Your Answer Here]

Their response essentially states that I should contact myself, that's utterly ridiculous. So, even with the Revdex.com as a mediator, Citi is proving impossible to get a hold of. Their response backs up my claim that they will not communicate with me, their customer.

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]

They sent the same response again. Further proving that they refuse to discuss anything with me, the customer. Their response encourages me to contact myself. I will never do business with them again. I may have to contact a lawyer about this matter. Continuing to accrue fees while refusing to discuss my account with me or accept payment is preposterous.

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: Unfair interest rates. How is my minimum payment due almost $300.00? I tried to make a payment less than the minimum amount and was told no. I even took a screen shot of it. Complete predatory lending. I have excellent credit and this is ruining my credit.Desired Settlement: I need these people to do something other than reject whatever it is I can afford to pay them

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: My wife opened a store account with [redacted]. It was never a joint account, my credit or personal information was never provided, and I am not legally liable for any debt. I was however added to the account as an authorized user. [redacted] has been reporting me to the Credit Bureaus and my credit score has been affected. I have contacted there customer service and after speaking with 4 different people (different calls) I was able to have my name removed as an authorized user. I asked "[redacted]" to either send me via fax or email a confirmation of me being removed. She stated she could not do this and there for my credit is still being affected. Citi has voluntarily done this for me with another card. This is a normal request that is routinely processed. How is it that [redacted] will report me (even though I have zero liability or responsibility to the charges) but won't send me a verification letter. Why did it take talking to 4 people to have my name removed? At this point I can't even verify they actually did it.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like an email verifying my name has been removed as an authorized user. Something I can show the credit agencies and have a record of.

Business

Response:

We are responding directly to [redacted] on April **, 2015. If he would like to share this information he can provide a copy of our response to the Revdex.com.

Review: My wife and I sent a certified letter to this company not to write, phone, or attempt any type of communication with us but they have continue

About a year ago my wife and I had problems with their customer service trying make us default on our account I tried resolve this matter but their customer service was rude and uncooperative so we paid them off requested all accounts be close and for them not to communicate with us and they quit for a while now they're bombing us with their advertisements.Desired Settlement: We request they seize from any type of communication with my wife or myself. We have gave them a sworn statement to this effect.

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# 10545904, and have determined that my complaint has NOT been resolve because my complaint is that my wife and I requested with certified mail for them to discontinue any type of correspondence(see Attached) and they're still sending these correspondence everyday.

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: Citi Bank Credit Card services failed to process a payment that was intiated in December 2014 from my spouse which now has resulted in the account being reported late to the Credit Reporting Agencies. He called in the later part of December to pay for the Nov [redacted], Dec [redacted] and Jan [redacted] payments. I understand that Nov payment was 30 days delinquent which because it was paid after December. The Dec [redacted] payment shouldnt have been reported because he was paying in December and certainly not the January one either. Following this I called on March [redacted] for to catch up on Feb [redacted]`s payment and to pay the March [redacted] payment. I didnt even realize at that point anything about the payment that my spouse set up mever went through until calling on April [redacted]. On this day I found out the agent who took my payment on Mar [redacted] put it through on an old bank account even though I specifically said which it has to go. I also found out after reaserchinh the payment in Dec wasnt processed either! This has now resulted in the account being closed (they said its because it went 4 months behind) and being reported to the Credit Reporting Agencies as 152 days past due!!! I feel Citi should be responsible to update their records to only reporting what would have been the only late enough payment to be reported which was the Nov [redacted] payment. Also the account should be reopened because the account because had those payments been processed or processed correctly, the account would have never gotten so delinquent.Desired Settlement: As stated above since Citi dropped the ball, they should be responsible for updating the payment history to the Credit Reporting agencies and reopening the account because the account showing closed also show s negative on the Credit Reporting Agencies.

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: Over charged for good/services never provided. Cust service will not respond to requests, outsourced outside US & cannot understand basic English

Have been repeatedly overcharged for goods/services not provided. Credits to my prepaid debit/credit (still) card need to be issued and still have not been done. Have called customer service numerous times, they are not helpful and/or do not resolve problem(s). Customer service is outsourced and English is not their native language. Have to repeat myself again and again, situation not resolved. Have asked to speak to someone in the US and they failed to provide me with someone to speak to. Check balance of account on phone and online, account says I have money, then sales are declined, resulting in decline feee. Called customer service and have been told about ghost and phantom charges, and other excuses for this happening ( $1.50 worth on September [redacted], 2012 this happened numerous time, even though it said I had funds and funds were entered that very days hours before I attempted to use my card)If customer calls for account balance or looks online and it says funds are available, then funds need to be available. Decline fees totally more than $10 need to be refunded as a result of this happening again and again. Also wrote letters and called about being falsely charged for $21 (3 x $7.00) on Feb [redacted], 2013 by the [redacted]. Tickets were never provided, so funds need to be returned. Falsely charged. Called again and again about this, never resolved. Have been charged for every single transaction I make and this is not supposed to happen. I get a free transaction for every deposit I make, but even when a deposit is made, I am still charged per transactions. What I wish to happen is ONE I want a phone number, and an email (direct phone number and a direct email) that will be handled by a US representative, working and living in the US, who speaks English fluently). The email is in case the phone number/extension changes and/or if I need to register a concern after business hours. TWO I also want a total of $31.00 to be credited to my account ASAP to make up for the false charges, false decline fees, and for the false transactions and because customer service has failed time and time again to head my issues and/or concerns.Desired Settlement: What I wish to happen is ONE I want a phone number, and an email (direct phone number and a direct email) that will be handled by a US representative, working and living in the US, who speaks English fluently). The email is in case the phone number/extension changes and/or if I need to register a concern after business hours. TWO I also want a total of $31.00 to be credited to my account ASAP to make up for the false charges, false decline fees, and for the false transactions and because custome

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 above statement is 100% false! I have not been contacted by Citi in any way, shape or form. If they claim to have done so, they are lying. I even went and checked my spam folders to see if I missed an email from them. They have not sent me anything and I have not received any phone calls, PLUS I do not have voice mail so it is impossible to leave me a message. As I mentioned before when I have called and spoken to Citi's outsourced customer service representatives, they mention phantom and ghost charges. Which make absolutely no sense. In fact they cannot even explain their own actions, as they don't make sense, even as they attempt to explain them they don't make sense. They are completely fictitious excuses for mistakes THEY made, and continue to make to this day. As I sated before I need to have ALL of the false and predatory decline fees reversed, as well as the false charges mentioned in my initial complaint. Where I did not receive goods or services that I had paid for. If the named party wishes to contact me then they will need to send me an EMAIL or a letter to my physical address. The nature of the card and the numerous false charges and the lack of genuine customer service and accountability is predatory in nature and I believe borders on the illegal. I am still waiting for complaint/issues to be resolved.

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]

They are lying, they can email me at anytime and have not done so. All of their responses to you have been the same. They say they talked to me and that have not. They say they will contact me and they have not. They are all outsourced to the Philippines. I requested to speak to someone from the UNITED STATES who could actually affect change with my account and credit me the false charges. I have sent them numerous emails and actual letters requesting this for more than a year now and they never got back to me. Only now that you have tried to reach them are they feigning to have taken action. Please ask them why they are not responding directly to me or to my very specific questions/concerns. They claim they have talked to me and they have not, they have my email address but wont discuss anything or email me. They are trying to avoid responsibility for their actions and for their customer service agents being unhelpful as well as lying to me. Please ask them to explain in writing what ghost and phantom charges are please. I bet you they will not put it in writing. I am asking for a refund which I am legally entitled to. That is all I need from them at this point.

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 husband and I opened a 0% for 18 month line of credit [redacted] store 12/2012. Account was paid in full as of 06/2014. On 01/2015 I noticed through a credit report check there was charges made to the account. With ongoing battle and serious lack of communication and information from [redacted]. After 5 months of their "investigation" we received a letter, "Based on our review, we have determined that you are responsible for the charges in question."They claim they sent us between 3-4 credit cards for this account, we have not received any. It's been constant fight with them. They denied our request for a copy of the investigation.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want the charges removed from the account.No calls from collection agencies. Account be permanently closed. Remove any negative report to credit agencies.

Business

Response:

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

Review: purchased computer 2012. 36 mo interest free. Called for balance to pay off today. Balance included additional purchases. Did not agree to that.

bougt HP Pavillion HPE July 2012. Interest free 36 months. Agreed to pay off or pay all interest by on July [redacted] 2015. Called [redacted] today to see how much was remaining so could pay off. The payoff amount was too high. Included additional 2 purchases. I DID NOT agree to pay off the entire credit card when I purchased the computer in 2012. I agreed to pay off the remaining computer balance. [redacted] is over charging me and had said if dont pay off entire balance of card by July [redacted] they will charge 800.00 back interest. They mislead me and I thought I would only have to pay off the remaining amount for the computer by 7/*. Spent 2 hrs today trying to discuss with them. The credit card company and bank were not helpful at all. They are threatening me with the 800.00 interest if dont pay off entire card by 7/*. This has to be illegal and is abusive. Pls contact me asap regarding this issue. The clock is running. Thank youDesired Settlement: I am very willing to pay off the balance of the computer purchase by 7/* due date. Approximately 200.00. The remaining balance will be pd monthly as always. I have NEVER made a late payment. The remaining balance is approx 130.00. [redacted] is bilking their senior customers out of funds when they can least afford it.

Business

Response:

We will respond directly to the customer within the next 7-10 business days. If you would like to further discuss the resolution, we suggest you contact them directly.

Review: In October of 2014 I purchased 4 tires from [redacted] I chose to go with their 6 month no interest plan which based on what I was told also did not require any payment for 6 months. When I attempted to make the payment online on June * 2015 I was redirected to the Citibank collections department.I was then told I was required to make monthly payments even though I was never told this when I took the line of credit.Also on the statements they were sending me it is stated "You must pay your promotional balance of 762.49 in full by 06/**/15 to avoid paying deferred interest charges. I thought this meant there would be no penalty if I did as stated. On June * of 2015 I paid Citibank $937 which included penalties for not making monthly payments when I was lead to believe no payments were required for 6 months.

Product_Or_Service: Tires

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

I believe I should be reimbursed for the penalty of $175, and have my credit restored.

Business

Response:

We have responded to the customer on 06/**/2015. The customer should allow 7-10 days to receive our written response. Should the customer have additional questions or concerns, they can direct those to the address listed in our response.

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:

CITIGROUP (Goodyear's promotion handler) refused to refund the fine. And mentioned nothing about helping to restore my severely damaged credit.If CITICORP had put on the account statements that monthly payments are required as part of the promotion next to the other promotion statement,this would never have happened.

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 June **, 2015. The customer should allow 7-10 days to receive our written response. Should the customer have additional questions or concerns, they can direct those to the address listed in our response.

Review: False advertisement of credit card promotion services and contract.

On April ** 2015 I had opened up a [redacted] account (account #[redacted]) and made a $2543.00 purchase. [redacted] Invoice#: [redacted].I was told by the [redacted] credit card sales representative that I would get both 10% off and 1-yr interest free on the purchase. Since I was told it was interest free for 1 year I had set up automatic payments for $200/mo to pay the balance at the end of the 1-yr period. On July * I had reviewed the credit card account and saw $30.12 interest charge on the card. I immediately repaid the remaining 1900.50 balance to terminate the exorbitant interest charges. I then contacted the [redacted] Credit Services representative about the issue and he said could not do anything about the false claims from the salesman. I am requesting [redacted] credit services refund all interest and honor what the credit card sales rep told me about the card.Desired Settlement: Refund of all credit card interest for June and the upcoming July Statement. I have paid the remaining balance and terminated the card due to the violation of trust.

Business

Response:

We will respond directly to the customer within the next 7-10 business days. If you would like to further discuss the resolution, we suggest you contact them directly.

Review: I was charged a late fee when no balance was due. attempting to resolve treated shabby you illegally placed on my credit report and you need an audit

you billed me incorrectly and charged LATE FEES WHEN NO PAYMENT WAS DUE THEN RACKING UP THE BILL IF NOT RESOLVED I WILL NOT USE YOUR STORE AND FILE A REQUEST TO HAVE YOUR STORE REVIEWED TO SEE IF THIS IS AN ONGOING ISSUE WHAT A SHAME HOW YOU TREAT YOUR CUSTOMERSDesired Settlement: REMOVE ALL LATE FEEE, CORRECT THE CREDIT REPOET OF YOUR FALSE REPORTING AND GIVE ME AN IMMEDIATE CREDIT OF LATE FEES CHARGED IN APRIL. I WAS IN DISPUTING THIS YOU CANNOT ADD ON MORE LATE FEES THAT VIOLATED STATE AND FEDERAL LAWS....I TRIED TO EXPLAIN AND NOT ONE EMPLOYEE WANTED TO BE HELPFUL.....

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. [redacted]Executive Response

Review: Worst experience ever! Purchased laminate flooring to be installed in my house, built in 2007, and after ripping up the carpet, prepping the floors, and picking up the product myself, the installers show up telling me that it will be an additional $900 to "prep" my floors. When I contacted the manager, he was no help in regards to this situation. Then on top of it, I purchased this flooring with the [redacted] credit card, agreeing to the terms "6 months, no interest" and when I received my second bill I was charged interest! This corporation is running a scam and their customer service is the worst, especially at the [redacted] location!Desired Settlement: DesiredSettlementID: Billing Adjustment

I would like the prep work discounted and the interest to be removed from my bill, allowing me the "6 months, same as cash" as contracted.

Business

Response:

We responded to the customer on July **, 2015. The customer should allow 7-10 days to receive our written response. Should the customer have additional questions or concerns, they can direct those to the address listed in our response.

Review: I called Citibank because I noticed on my account (not associated with Citibank) had two transactions done without my permission. These two transactions were done in two different months and to an account that was not mine. I called the bank, and the first time the person who answered was rude and huge up the phone on me. The second person said that it was not their problem and to speak to my bank because the transactions were not done without the permission of my bank. I spoke to my bank. My bank stated they were not involved in those transactions. They do not involve themselves in their clients transactions unless stated otherwise. I overall just want this issued to be solved and possibly get my money back.Desired Settlement: I just want my money that was taken without my permission back.

Business

Response:

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

Review: This companies [redacted] keeps calling "On behalf Of" another client.They call from telephone number ###-###-#### at least 5-10 times per day. After telling them they have the wrong number, they claim to remove the number from the system and then call back not 15 minutes later.The calls come all day from as early as 7 am to late into the evening as late as 10 pm.This is harassment and I want it stopped.Desired Settlement: Have their company quit using auto dialers to people they do not have an affiliation with.Update their records and remove the number from their databases promptly when requested to do so.

Business

Response:

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

Review: [redacted] reps refuse to issue credit/refund for several extended watch warranties. Citibank is the issuing bank for [redacted], their reps also refused to refund. The watches were all recently sold, full refund should be issued. I even have an email from a [redacted] rep stating so, a phone rep named Ulzana also stated so. The case number for this incident is [redacted]. Dan G[redacted] in [redacted] executive office offered a 50 dollar gift card as a remedy, however, this does not cover 349.96 that was paid.Desired Settlement: I need a refund for 349.96

Business

Response:

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

Consumer

Response:

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

I have received no response from business. As stated before, the only resolution I am seeking is a refund totaling 349.96 back to my [redacted] account. Failing this, please mark complaint as unresolved. A complaint has also been filed with New York Attorney General's office. Again, refund will resolve that. Please see attached files stating full refund should be issued by store, however, their system would not allow it as transactions are over a year old. Copis of receipts are also attached.

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

Sincerely,

Business

Response:

To date we have received four pieces of mail marked returned that we have sent to [redacted] address. We have also responded via the CFPB and Attorney General's office. If [redacted] would like to provide an email address or a fax number we would be happy to send the documents via that method.

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 do not know of any returned mail, this is the only company I know of that does not reply to Revdex.com directly. Since they will not issue credit to the account, there does not appear to be one, please mark this complaint as unresolved. There is also a complaint with New York attorney General. I have attached a copy of email from [redacted] stating credit will be issued and to go to local store, however, the store was unable to do so as the purchases are over a year old. There is also a copy of receipts totaling 349.96 attached.

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

Sincerely,

Review: I received a title loan with CitiFinancial on my car; a 2002 Hyundai Elantra. In order to obtain the loan, I was required to physically hand over the paper title to my car for the duration of the loan existence. The office that I originally obtained the loan from (on [redacted] in [redacted], TX) closed down, transferring my case to another location in [redacted] on [redacted]. That location also closed down apparently transferring my case to [redacted], Tx. and then onto [redacted], Tx. My loan was paid off in April (I believe) and Citi Financial has failed to return the title to my car back to me and I have made numerous attempts to obtain it. Once, I was told that it was sent via UPS and left on my doorstep and was stolen. Three times I was told that a letter of lien release was sent to me because this company lost the title to my car. The most recent call that I made to CitiFinancial, I spoke to a young lady who was very unprofessional and stated that the letter of lien release was sitting on someones desk, awaiting their approval to send out the letter - I was refused a phone number to that person, a transfer or even a name. I advised the CitiFinancial representative at that time that I would be filing a complaint with Revdex.com. Every time I have had to contact this company, I am given the run around. They can never find my account by my social security number, name or phone number. They have also refused to change my name as it is no longer the same as it was when I obtained the loan.Desired Settlement: I would like a replacement to the title to my car. Sending me a letter of lien release requires me to, once again, purchase another title to my car. I am in the process of trying to sell it, which I have explained every time I called Citi Financial and I can not do that without the title to my car. I would like my title back, not a letter of lien release. Citi Financial lost the title to my car, Citi Financial should be held accountable for the replacement.

Business

Response:

Dear Sir or Madam:

We are in receipt of your September *, 2013 correspondence regarding [redacted] CitiFinancial account. Your request was forwarded to me for research and response. We have reviewed the issues raised in your letter and offer the following response.

First and foremost. we appreciate [redacted] bringing this matter to our attention. While we continually strive to provide a superior level of service to all our customers, we truly regret this incident and apologize for any Inconvenience that it may have caused her.

According to our records, [redacted] obtained a personal loan with the CitiFinancial [redacted], Texas office on November **, 2008, with an amount financed of $3,240.44 and an annual percentage rate of 28.59%. The loan was repayable in 48 monthly installments of $89.34 each and was assigned account number [redacted]. The loan was subsequently transferred to the CitiFinancial Centralized Service Center on December *, 2012 and was assigned the above referenced account number.

Our records further confirm that [redacted] account was paid In full on March *, 2013. A release of lien for the 2002 Hyundai Elantra was forwarded to [redacted] on September *, 2013. Unfortunately, the original title for the vehicle cannot be located. [redacted] may present the release of lien to the Department of Motor Vehicles to obtain a duplicate title. If there is a fee to replace the title, [redacted] may submit the receipt of her payment to CitiFinancial for reimbursement. She may fax the receipt to me via facsimile to ###-###-#### or to the address listed above.

We continually strive to provide a superior level of service to all our customers, and we trust that this letter addresses [redacted] concerns. We would like to extend a sincere apology to [redacted] for any miscommunications or misunderstandings that may have arisen from this transaction. Should you have questions regarding this letter, please feel free to contact me directly at ###-###-####.

Sincerely,

Resolution Specialist

Executive Response Unit

Business

Response:

Dear Sir or Madam:

We are in receipt of your additional correspondence dated October *, 2013 regarding [redacted] CitiFinancial account. Your request was forwarded to me for research and response. We have reviewed the issues raised in your letter and offer the following response.

First and foremost, we appreciate [redacted] bringing this matter to our attention. While we continually strive to provide a superior level of service to all our customers, we truly regret this Incident and apologize for any inconvenience that it may have caused her.

Regarding [redacted] concerns for the release of lien for the 2002 Hyundai Elantra, our records Indicate the release was forwarded to [redacted] on September *, 2013. Due to clerical error the release was sent to [redacted] former address of: [redacted]. Please be advised that another release of lien was sent to [redacted] via UPS on October *, 2013. The release was sent to [redacted] current address of: [redacted]. The UPS tracking number is [redacted]. As stated previously, [redacted] may present the release of lien to the Department of Motor Vehicles to obtain a duplicate title. If there is a fee to replace the title, [redacted] may submit the receipt of her payment to CitiFinancial for reimbursement. She may fax the receipt to me via facsimile to ###-###-#### or to the address listed above.

We continually strive to provide a superior level of service to all our customers, and we trust that this letter addresses [redacted] concerns. We would like to extend a sincere apology to [redacted] for any miscommunications or misunderstandings that may have arisen from this transaction. Should you have questions regarding this letter, please feel free to contact me directly at ###-###-####.

Sincerely,

Resolution Specialist

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. I have also received the letter of lien release via UPS. I will be forwarding receipt of of the replacement of my title for reimbursement as soon as I'm able to obtain it. Thank you for the apology and for finally addressing this matter. Unfortunately, Citi Financial will never receive a referral from me. Thanks again and good day.

Sincerely,

Review: On 9/**/2013 I had paid off my account fully. I have had this account for years and 3 weeks after I had a balance of 0 I was charged a monthly service charge which I was never informed of in the amount of $14 which came directly out of my citibank checking account which also caused me to overdraw in it because there was a balance of 0. I was then charged an overdraft fee of $34. I contacted citibank and spoke to [redacted] and he offered to waive the monthly service charge but refused to fix the overdraft fee when I asked why I still had to pay for something when I was charged fees I was unaware of. I have included the conversation I had with [redacted].

• You are now chatting with '[redacted]' from Citibank, N.A.

• [redacted]: Welcome to Citibank online chat. My name is [redacted]. How may I assist you today?

• [redacted]: Hello [redacted].

• [redacted]: Hi [redacted], I am concerned because I had received a notice saying my account was blocked and when I checked it, it says I owe $48 when my balance was 0? I'm not sure why I am being charged a monthly service fee when I haven't been charged before.

• [redacted]: I will check and help you with that.

• [redacted]: Please allow me 2 minutes.

• [redacted]: Thank you for your patience.

• [redacted]: I checked and see that the account is in EZ account package.

• [redacted]: You will need to maintain an average of $6000 in that.

• [redacted]: As you didn't mention the balance, there was a charge of $14 charged.

• [redacted]: This made your account negative.

• [redacted]: Due tho this, there was a charge of $34 applied on your account.

• [redacted]: I was unaware that I had to keep that much in there, but I haven't been charged a monthly service fee before and it has caused an overdraft on my account.

• [redacted]: If you wish, I can change your account package to a basic account package where you need to maintain an average of $1500.

• [redacted]: Is that okay?

• [redacted]: No it's not ok, If I had known there was a monthly fee on this I would have just closed my account when I finally got it paid off, mind you I have had this account for years and have not been charged monthly fee until now.

• [redacted]: I do understand that.

• [redacted]: I will waive this fee as a courtesy from the bank.

• [redacted]: Thank you, I do not plan on using that account anymore anyways so can you just close it?

• [redacted]: I am sorry.

You will need to make the account positive to close the account.

If I refund $14, your account will be in a negative $34 balance.

• [redacted]: So you can waive the monthly fee but I still have to pay the overdraft charge for the fee that I didn't even know existed? That makes no sense.

• [redacted]: I am sorry.

But these are valid fees been charged on your account.

• [redacted]: We will not be able to refund that for you.

• [redacted]: However, as a goodwill, I have refunded $14 to your account.

• [redacted]: Thank you for that, however I will still be contacting my lawyer and the Revdex.com

• [redacted]: You're welcome.

• [redacted]: Is there anything else I may assist you with?

• [redacted]: nope

• [redacted]: Thank you for contacting Citi.

• [redacted]: Have a nice day!Desired Settlement: I want the $34 overdraft charge waived like the monthly fee was and I want the account closed.

Business

Response:

Please forward to your Long Island City contact

Business

Response:

We are in receipt of your correspondence regarding a complaint from the above referenced

consumer.

Please note this matter has been resolved today by written correspondence to [redacted]. We advised [redacted] her account was on a temporary waiver for monthly service fees, which ended with

her October * -November *, 2013, statement period. As a result, she was assessed a $14.00 monthly fee on October*, 2013, as well as s $34.00 overdraft fee on October *, 2013. A $34.00 overdraft fee was

assessed when there were insufficient funds in the checking account to cover the monthly fee. On October **, 2013, our Customer Service unit credited [redacted]'s account $14.00 as reimbursement for

the monthly service fee. Subsequently on November *, 2013, we credited her account $34.00, which represents reimbursement for the overdraft fee. As she requested, her account is now closed.

We appreciate the opportunity to respond to [redacted]'s concerns. If there are any questions,

please let me know. I can be reached on ###-###-####.

Consumer

Response:

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

Sincerely,

Review: I signed up to this credit card and was promised two free night stays with Hilton Hotels after a spend of $2500 in four months. I went way over my spend amount and should have received the certificates. I called and spoke to the company five times along with email communication many ore times. I was redirected, put-off, ignored and told I didn't meet my spend requirements. When I sent them a list of my totals I was then told that I didn't qualify for the certificates because I was a previous card customer. I went over the original paperwork they had sent me a card issuance along with present day online card advertisement and saw nothing of the kind in the print. I then emailed and called again asking to see written evidence of this rule. I was then put off for several days and then told the case was closed. I investigated the issue on line at a hotel point website and saw many more claims of subterfuge and point denials by many other customers. The value of this offer exceeds $500 and I was deceived.Desired Settlement: All I want is what I was promised. The free night certificates.

Consumer

Response:

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

Sincerely,

Review: I made a payment of $110 on August [redacted] and was given a confirmation number and told my payment had been processed. When I noted on the [redacted] it had not been taken out of my account I called and agent told me the wrong checking account # was processed. When I asked for the late feed to be moved the guy acted like it was my fault and basically talked over me and told me it would be "lengthy process." I have always paid on time and paid more than what was due. This is NOT okay!Desired Settlement: I want an apology, any late payment marks removed from my credit report and the late fee removed based on my payment history.

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,

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,