Citi

Review: Home Depot sends out their statements too late, which results in a $25,00 Late Fee and causes bad credit. I observed 20 such complaints on computer.

When I began having problems with Home Depot, I switched to "paperless," which I thought would take care of the problem. However, once again I did not receive an email or paper statement warning me of the due date this month, which turned out to be 08/**/14. I paid them via the internet, which brought my debt up to my limit, which is $700.00. My account # is [redacted]. I spoke with them and they refused to take off the late payment. I wouldn't even argue this point if I was to blame. However, looking at their track record on the internet, it is full of complaints by people just like me, who are being scammed out of $25.00 to $39.00 in late fees, even though they sent their payment on time or didn't receive an email "alert" that a payment was due on a certain date. My payment was $39.00. I truly believe that the corporate office has made it a policy to keep clients "off balance" and try to confuse them into thinking "their at fault." Since I did not receive a statement, I don't have all the specifics. If you look under any search engine, with the words "Late Fee scam by Home Depot credit card," you will find a plethora of complaints. I sincerely appreciate your help in this matter. [redacted]Desired Settlement: I want Home Depot to remove the Late Fee from my account and to start sending me statements via email. Thank you.

Business

Response:

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

Thank you,

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:

[There has been no resolution to this problem. All they are saying is that they will contact me. If they wrote: "The Late Fee has been removed from your last statement," I would agree that this complaint has been resolved. I always pay my bills on time, the minute I receive a statement or an alert via e-mail. The number of complaints from other clients is mind boggling. After reading approximately 35 complaints similar to mine, I decided to take action. There response is not a resolution and thus I cannot accept a vague reference like the one I've received.

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

Sincerely,

Business

Response:

As stated previously, we are responding to [redacted] by mail. Our response was mailed September [redacted] and he should receive it within 7-10 days of that date. We will not share information about [redacted]'s account or our response to his concerns direcly with the Revdex.com due to privacy laws.

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 purchased a washer and dryer 5-**-14 interest free with a Protection Plan, 9-*-14 a refrigerator interest free with a Protection Plan and a Shark Steam Mop. I called right after I purchased the refrigerator to clarify that my payments would go directly to my first purchase, washer & dryer. I removed the protection plan on the washer, dryer before 1yr. & refrigerator in March, but it's still on my Oct. bill. I have callled many times to clarify this, the Protection Dept. clarified it was removed, customer service says it wasn't. It states on my bill I owe $480.00, which I disagree with! The amount on my Oct. bill makes no sense to me! I talked with [redacted] the customer service manager on Wed. Sept. [redacted], which didn't help me a bit. [redacted] told me that my payments go to the largest amount. I paid the washer and dryer off months ago, but she is going back to that. We bought the frig. for $1682.48 (tax$112.50 & delivery $69.99), minus the $191.00 = $1491.48. We just made a payment by check in the store for $1422.00. I must be getting charged for the promotion or interest, because I should owe about $70.00 not $480.00. I also bought a shop vac in Aug. which I paid cash for. I am so fed up!Desired Settlement: Close my account asap with a letter stating I have closed my account!

Business

Response:

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

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: My husband [redacted] and I [redacted] have an account with the Home Depot and we signed up for Identify Monitor services membership through Home Depot. My husband is the primary holder of the account but I am an authorized user and is authorized to make decisions on the account. My husband is now in the hospital and is unable to handle any business as of right now and has ask that I have this service canceled. I am not having any luck with this company to cancel this service and we would like for it to be cancel.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like for this membership to be canceled.

Business

Response:

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

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 am a current citibank customer, and plan on banking with them for a lifetime. Well, that was the plan. Majority of my experiences with Citibank have been outstanding. Thebad park of my experience seems to outweigh the good. Over a week ago I was rushed to the emergency room due to some terrible serious stomach pains I was having. Next morning while buying breakfast I noticed my Citibank debit card was missing. I then logged onto my Citibank account online. I noticed my funds were drastically lower than they should be. I immediately called Citibank To put a block on my card and filed a dispute to these unauthorized atm withdrawls. I had to submit two different claims because the first one got denied right away, and then the other claim got denied days later. The only reason the representative gave me as to why my claim was rejected was because I supposably told the representative, when asking multiple questions while creating the claim, that I gave someone my pin. I have never given anyone my bank card atm PIN number nor have I ever let anyone use my card. I use [redacted] as a secondary account. My debit card from that bank was also used without my authorization and they didn't give me any problems and gave my money back. I lost both bank cards and my cellphone. I do use the same PIN number as my other debit cards pin and the unlock code to my phone. I do suspect it was someone that has been around me to have used my card without my permission. Without any investigation my claim was denied which put me in a hole of 1100. The bank rep inside the branch made me aware that my atm withdrawal limit was at 3000 (which I never requested) and that's how these thieves were able to withdraw 1100. I feel like the representative at the call centers can put whatever they want as my response and it can quickly get denied. No one will take time out to fully investigate these withdrawls to get me my money back. its the lack of communication some of these representatives lack. I had a rep who gave me the hardest time during this process. I was treated poorly, no one should have a bad experience with their bank. I did not feel valued at all.Desired Settlement: I want a refund of the money that I did not authorize to be taken out of the atm.

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: CitiCards has been calling me about a credit card bill that they received a payment in the amount of $95.00 for on February *, 2015. I have been called in excess of 30 times about this matter. The account is current and CitiCards Supervisors have verified that information and told me that the account is current. I have explained to them on numerous occasions that this is harassment and they have no legal authorization to call someone when their account is current. I even told them that my credit card was lost and I reported that to them but I haven't called them complaining because I haven't received the replacement credit card.Desired Settlement: Due to the repeated phone calls starting as early as 8:00 AM Central Standard Time and the numerous times I have tried to talk to CitiCards to get the phone calls stopped I believe CitiCards should have to credit my account the bare minimum of $150.00 for their continuous harassment which is still going on February **, 2015.

Consumer

Response:

When I filed complaint ID [redacted], it was because of and unknown error on the part of Citi Cards. I have more than one account with Citi Cards and they did not specifically reference the specific account until after this complaint was filed. However the situation has been take care of. Thank you for your intervention and I'm sorry for any inconvenience this might have caused you.

Sincerely,

Review: I made a total of 3 purchases at the [redacted] a total of 1792.42 paid 526.93 and still owe 1800.00 interest and fees being charged.

I made the purchase a total of 1792.42 including taxes and after paying 526.93 on their won website I still owe 1800.00 not even the 1792.42 there is fees and interest I had one promotion that expired for 500.00 purchase and that was less than 200.00 I send a pymt for 100.00 and I get 20.00 taken off the balance they find new interest and fees and add them to the current balance. I have a promotion that ends on 2/**/2015 for 1150.00 im about to pay them but im afraid if I do I will still owe 1800.00 for some fees added.Desired Settlement: I want the money I have paid to be applied to my balance and so I can pay what is really owed in full.

Business

Response:

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

Consumer

Response:

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

Sincerely,

Review: Citibank unilaterally closed my $20,000.00 credit card for "non use" without any warning whatsoever. I have had this card for years, and this will hurt my credit utilization score. They could have at least given me the option of closing it myself, but did it on their own with no notice.Desired Settlement: Reinstate the credit card.

Business

Response:

Dear [redacted]:

Attached is a copy of our response to [redacted] regarding his recent inquiry related to his Citi® Dividend World MasterCard® account ending in [redacted].

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

Sincerely,

Presidential Communications

Dear [redacted]:

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

I certainly regret any inconvenience you may have experienced related to the closure of your account. As explained in the Card Agreement, we may close your account or suspend account privileges at any time for any reason. As part of our review process, an account with no activity for an extended period of time may be closed. Our records do not reflect there has been any activity on your account since a payment was received in July 2009.

In order to review your account to be reopened, we need your permission to obtain a copy of your credit bureau report. In addition, we need you to provide the following information:

1. Housing status (Own/Rent/Other)

2. Monthly mortgage/rent payment amount

3. Annual salary, wages and other annual income --------

Alimony, child support or separate maintenance income need not be revealed if you do not wish it to be considered as a basis for repaying this obligation.

A self-addressed envelope is provided tor your convenience in returning this information. If we do not receive this information within 30 days from the date of this letter, we will consider your request withdrawn.

I appreciate the opportunity to respond to your Inquiry.

Sincerely,

Presidential Communications

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:

Now they want me to go thru the whole application process again, and they claim closing the account without any notice to me is OK pursuant to the "agreement" . If that is the way they do business without regard to their customers "credit utilization" why would I want to sign up with them again?

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

Sincerely,

Business

Response:

Dear [redacted]:

Attached is a copy of our response to [redacted] regarding his recent inquiry related to his Citi® Dividend World MasterCard® account ending in [redacted].

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

Sincerely,

Presidential Communications

Dear [redacted]:

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

Enclosed is a copy of the Card Agreement, which states that we may close your account or suspend account privileges at any time for any reason.

Pursuant to the Credit CARD Act of 2009, creditors are required to establish that their cardmembers have sufficient ability to pay their outstanding debts as part of the credit approval process; therefore, in order to review your account for reinstatement, we are required to obtain your housing status, monthly mortgage/rent payment amount, and annual salary, wages, and other annual income. Alimony, child support or separate maintenance income need not be revealed if you do not wish it to be considered as a basis for repaying this obligation. In addition. we will review an updated copy of your credit bureau report. Should you choose to provide this information, we would be please to review your account for reinstatement.

I appreciate the opportunity to respond to your inquiry.

Sincerely,

Presidential Communications

Review: I was trying to deposit checks into my overdrafted checking account through an ATM at a Citibank branch, but my debit card was de-linked from my checking account with no prior warning on Labor Day Weekend (August ** - September *, 2013). When I called customer service on 8/**/13, I was not told that my card was de-linked; rather, I was told that "something must be wrong with the card itself" and that I would have to wait until the next business day (9/*/13) to resolve the issue. Then I was told there was one Citibank branch in Chinatown in New York City open on Sundays that would be able to help me, which I went to, but that branch was closed for the holiday weekend. As a result, I was completely unable to deposit or access any of my money from 8/**/13 until 9/*/13. Furthermore, my debit card was once again de-linked from my checking account AFTER I was able to deposit checks into my account and bring the balance positive, and I had to call Citibank yet again to activate my card- yet again.Desired Settlement: I would like Citibank to credit my account with the money I earned in my name that I was unable to deposit into my account- and then unable to access- again- without receiving any proper explanation or warning. The experience I had with them completely defeats the purpose of using a bank to begin with, and is an incredibly predatory manner of dealing with customers when innocent mistakes happen.

Business

Response:

Dear [redacted]:

We received your correspondence addressed to Revdex.com (Revdex.com) regarding the difficulty you had with making a deposit to your checking account using the Automated Teller Machine and CitiMobile. This matter was referred to me for investigation and response to you.

l was sorry to learn of the difficulty you experienced with your account. I shared your comments with the management team of our Remote Services Unit so they too are aware of what transpired. They join with me in apology for any misinformation you received during your calls with our customer service unit.

Please know that coaching and feedback have been provided to the staff members with whom you spoke to prevent a reoccurrence of your experience.

Our investigation determined that your checking account was de-linked from your Citibank Banking Card on August **, 2013, due to a negative balance of $401.98. The overdraft was caused by a check deposit you made on August **, 2013 for $700.00 that was returned unpaid by the maker's bank. As a result, a

$10.00 return check fee was assessed to the account On September *, 2013, a deposit for $1,120.33 posted to your account, bringing your account to a positive balance. As you know, the block was removed from your account on September *, 2013. For our policy regarding insufficient account balances and overdrawing your account, please see pages 24 .25 of the enclosed Client Manual.

Further. your request that Citibank "credit [your] account with the money that [you] were unable to deposit into [your] account, please note ns we mentioned above, on September *. 2013, the deposit for

$1,120.33 posted to your account as well as an refund of the $10.00 return check fee. Additionally, as an accommodation, for your experience, we have processed a credit for 5,000 ThankYou Points to your account. These points will post directly lo your ThankYou Member account five days after your next bank statement period of October **, 2013.

[redacted], thank you for taking the time to let us know of your concern and giving us the opportunity to review this matter.

Sincerely,

Consumer

Response:

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

My

complaint is that Citibank de-linked my card from my account a second

time after the balance was positive and that Citibank employees were not

forthcoming with the actual issue with the account, not that Citibank

followed its policies when it de-linked my card the first time.

The 1,200 thank you points Citi so "generously" is offering in lieu

of the $1,200+ they kept me from depositing into my account are the

exact equivalent of $10 based on market value of the items on the site. I

assume that in the financial industry that discrepancy is noticeable.

If not, I will gladly explain that there is

roughly a $1,190 difference between the amount of my money I was unable

to access thanks to Citi and the amount of money Citi appears to feel it is fair to

offer as recompense. Furthermore, 1,200 points are insufficient to

purchase a single thing from the thank you website. Seeing as I do not

have a Citibank account, I will not be able to increase the number of

thank you points I have and the 1,200 points are nil.

I am not upset that Citibank followed its policies and

de-linked my account the first time, even though I received no prior notification and there was absolutely no

way for me to know that the check I initially deposited was void due to

faulty banking bureaucracy on the sender's end; however, I am upset

that Citi de-linked the account a second time and that none of the

multitude of employees I spoke with over Labor Day weekend felt the need

to inform me of what was actually happening nor was willing to provide

the momentary courtesy of allowing me to deposit my money into my

account. I offered to e-mail, text message or upload photographs of the checks if there was no way to access a live teller and was denied an opportunity to access my account or deposit my money at every inquiry.

Review: I did a balance transfer with a Citibank credit card. They did not transfer the money but began billing me. I have contacted them several times with no resolution. A week ago I was told someone from the fraud dept would contact me but they have yet to.Desired Settlement: I fear my credit score will be hurt if I do not start paying the bill. I want the balance transfer either transferred or cancelled.

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: Hello,I was charged with an interest rate for using a credit card from The Home Depot. I purchased an item which I was not told that I had a 12 month grace period of interest free charge. Now, I had this credit card for a few years before the purchase. I was never told that because I purchased an item that cost more than 300 US dollars, I would be put in a 12 month interest free plan. I still payed interest on this account months before I was charged $40 USD of interest in July by The Home Depot. In other words, I was charged interest independent of the 12 month proposed free rate, and so I never knew I was under an interest free rate, which I wasn't. In July, I had a $40 dollar charge from The Home Depot, yet I paid interest on other months. Here's the deal. I bought an item and was never told that I submitted to a program of 12 months. secondly, I was charged interest either way, and was charged a 40 dollar charge in July.Desired Settlement: DesiredSettlementID: Refund

Give me back the interest charged.

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: Citi bank sent me a bill. It went to my neighbor. I got it back after the due date. Citi Bank charged a late fee. May 2013 I called the bank (###-###-####), spoke to [redacted], and was told the fee would be waived. Since then the entire bill/balance has been paid in full. Citi continues to send me a bill wanting to collect on that late fee. I have called again several times to resolve the issue with no resolution. I authorize Citi Bank to communicate w/you on this issue and give you and answer.Desired Settlement: DesiredSettlementID: Other (requires explanation)

Stop sending me bills for this unfair late fee. Send me a letter explaining the matter is resolved and that I owe them nothing.

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:

They are hiding behind their statement. Revdex.com would not be in business if all businesses replied like Citi. File this for future reference.[Your Answer Here]

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

Sincerely,

Business

Response:

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

Review: April 2013 two rings were purchased from Zales with the total sale amount of $6295.73, $2118.29 cash was paid and the remaining balance of $4,187.39 was charged to a Zales credit card. We had to return a ring because the diamond fell out 3 times, repaired twice upon 3rd exchanged. We have the original receipts though Zales says they are unable to research the transaction in a letter received on July **, 2014. Total amount of the rings after the return was $4246.42. The receipt upon the return said we received 1200.03 on the visa original cash down and 849.28 on the credit account. Total return amount was $2049.31. Original charge amount was $4187.39 - 849.28 (credit return) = 3338.11 - payments of $1886 show our balance on the credit account should be $1452.11. However, Zales is currently showing a balance due on the credit account of $2,295.15. We are disputing these charges. I was told on my call to customer to fax a letter because they couldn't go back, so I fax a letter about it to get a letter back that said They couldn't research the transaction. So they can't prove the charges.Desired Settlement: DesiredSettlementID: Other (requires explanation)

We are requesting the credit on the credit card making our balance owed $1452.11 or waive the exchange policy, take the rings back and pay us all of our money back including payments made and deposits so this does not escalate to fraud on the part of Zales. Our promotional balance is due by September ** and if this is not resolved by no later than August **, we will go to an attorney. We are seeking immediate resolution.

Business

Response:

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

Review: I applied for a CITI thank you credit card (Application is [redacted]) recently and my application got rejected. As per Citi Bank “Some of the info can’t be verified” and I am not even sure what they can’t be verified and they even don’t bother to ask additional info from me if they can’t verify my application. I have previously used CITI bank credit cards and my Credit score is approximately 730 as per Experian credit bureau. I have established 20 years of Credit history and they should ask additional info instead of rejecting my application. I recently refinanced my mortgage as well. Not sure what info Citi Bank can't verify.Desired Settlement: I kindly request that CITI bank approve my application and issue me Thankyou credit card ASAP.

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]

Citi didn’t issue a card without a hassle. Despite the fact that I had Citi cards in the past and account were closed in good standing I had to do a back ground check with them by sending them pay stubs. My biggest complaint was using the Citi Card at [redacted] this morning and I was really embarrassed infront of [redacted] sales rep as well as customers. I had a [redacted] SPA appt and wanted to buy a leather jacket and payment didn’t go through using Citi card I received. I called the Citi customer care and did some acct verification using security keys and to my dismay they transferred me over to fraud protection bureau. Once again I did the same acct verification with fraud protection division and the rep I spoke to didn’t release the protection from my card despite the fact I answered all the questions from them. They keep put me on hold for 30 minutes and [redacted] customers were waiting in the line until I figure this out phenomenon with Citi customer care and it was not a pleasant situation at all and I was extremely embarrassed. It should not take 30 mins to perform an account verification and I demand that I need a sincere apology and don’t have to go through this nightmare anymore if I try to use this citi card again.

I do kindly request that they issue $100 bill credit for the hassle and the embarrassment that I had to go through infrornt of [redacted] customers and the sales reps this morning .

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 haven't heard from Citi as of 2PM PST on Spet [redacted] 2014 .

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

Sincerely,

Business

Response:

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

Review: I paid for 3 promotions ending over a few months in june and they have started charging me interst now on a revolving account that I dont have

I went into the store and paid $2000 to pay off 3 promotions I had ending before october and was told I had to call the next day to tell them to put the money on those promotions, so we did. then the next bill it still was not done, they spread it over all ove them even some ending in 2015.so we called again so a so called specialist could fix it ,so the next month , still not corrected, so we called again and was told no problem, they will fix it. so now after hours on the phone we get this months bill and they have made up a $1900 revolving charge and have started charging me interest and I dont have anything revolving, I always pay in advance so I dont have to pay interest.so we called and spoke with several supervisors in the so called specialist dept and they just keep saying were working on it.so I begged them to lets just sit down and go over it so we can get it solved and a supervisor named [redacted] was just rude and said theres nothing he can do.now its been with specialist for 4 months and it is just messed up worse and the problem is simple, just look at my bill when I paid in june and you can see the other promtions and what they done, its not that hard. now I know I have another promotion ending on oct [redacted] and I have no clue what to pay because nobody at home depot cares to help fix this problem.so if they cant get it resolved by the [redacted] , I guess I will let my credit go bad and I want pay them at all because I will not pay money I dont owe. theres been no other charges on this card , just promotions .I need this problem fixed right away because theres only a few days left before payment is due and they dont even know what I owe.ive never been late and always paid on time and its a shame they cant do the job to get this corrected over 4 months. I paid these bills 4 months in advance and to thank me they charge me interest and make up a fake revolving charge that I dont have. please helpDesired Settlement: I want my bill corrected and the revolving charge removed and the interst removed, because they should not exist if they would have put the $2000 on the correct charges to begin with.this needs to be fixed right away, because friday is when my payment is due, after that I justy want pay them anymore and they lose over $5000, ive tried for hours to get this corrected and not 1 person at billing cares to take care of the problem they made.. ive been with home depot over 15 years and built 2 houses

Business

Response:

Thank you for your communication regarding the customer's Home Depot 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.

Thank you,

Review: [redacted] claimed they were sending emails to me about my account to be paid, I never received them. They said, I needed to check my spam for them, I told them that I don't check my spam ever. They then said that was my problem not there's. So I went thru [redacted] to pay off my bill, which I did pay off. I got a bill for $18.68 from [redacted] in October, left a bunch of messages to call me about this bill no one called me back, I called [redacted]. I now got another bill from [redacted] Credit services saying I now owe $37.73 for late charges. So I called [redacted] up today 10/** to find out what was going on, they said it was out of their hands and put me over to [redacted]. They told me it my was my job to make sure that the bill was paid up, I'm like isn't that why I went thru you guys to get this bill paid up. They said well that doesn't always happen, again it was my fault I didn't check into it. What was I suppose to do when no one wants to help me.

Product_Or_Service: [redacted]

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I would like all my money back I paid to [redacted], and to knock off the amount that is left on my bill. Also would like them to contact the three credit bureaus to let them know it was not my fault.

Business

Response:

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

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 had forgot that I even had used my [redacted] credit card so why would I check my balance if I didn't remember having one. Also when the citi bank tried contacting me by phone all they said was this is citi please call this number that was it. I did not know what citi was so I was not going call them back. They should have said this is concerning your [redacted] credit card I would have called them back, to me that is fraud on there part for not doing so. Also nothing in writing about this about not paying my bill.

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

Sincerely,

Business

Response:

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

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]

Would like to say most business's and banks today don't care about the customer any more it is all about the money no matter how they get it. They just want to screw the little guy over no matter what. I just got screwed and you will move on to the next person because you do not care I do not know how you people can sleep at night but I'm sure you do just fine.

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

Sincerely,

Review: Citibank made no effort to contact me about an outstanding balance, then sent me to collections for an outstanding balance of $50. I had charged $4500 with zero lateness and no interest accrued. I received no phone call or paper statement in the mail regarding the outstanding balance. I never chose paperless. Sending me to collections adversely affected my credit score taking it from 815 to 729.Desired Settlement: Amended credit report/score.

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:

The response states that I was late and my account can not be adjusted. My lateness is not the point of contention. I am aware that I was late. The reason I was late is the reason for the complaint. Citi never properly notified me of the outstanding debt. I only received generic emails. I never received a phone call or a letter. If paperless was chosen, it was unbeknownst to me, perhaps a default setting, which is unfair to the consumer regarding important matters. No effort was made to notify me about the outstanding balance. If a proper effort had been made, the balance would have been paid on time.

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

Sincerely,

Business

Response:

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

Review: Citibank did not honor a $25 credit which it advertised on7/**/2014.

Citi had a promotion on 7/**/2014 for which if I purchase $25 of goods from [redacted] through citi wallet that I will receive a $25 credit. I made the purchase but never received the $25 credit advertised. I have contacted Citibank multiple times and the representatives I talked to promised to credit my account. However nothing was credited.

Please see below for an online live chat record I had with an Citibank representative.

"Welcome

A Citi representative will help you in approximately 0 minutes 14 seconds.

For your protection, we'll never ask you for passwords, PINs, User IDs, security words or any part of your social security number during a chat. Other information may be required to help us verify your identity. This chat may be recorded or monitored for quality purposes.

You are now chatting with [redacted].

[redacted]: Welcome to Citi Live Chat. We appreciate the opportunity to service you. How may I help you?

[redacted]: Good morning [redacted].

[redacted]: [redacted], a warm greeting! We appreciate your business with Citi.

[redacted]: I am trying to recover a missing credit statement for my Citi mastercard. Can you help me with that?

[redacted]: Sure, let me check that for you.

[redacted]: Could you please confirm the transaction amount you're referring to?

[redacted]: Citi had a promotion on 7/** for which if I purchase $25 of goods from [redacted] through citi wallet that I will receive a $25 credit.

[redacted]: I made the purchase on 7/** but never received such a credit. Can you help me with that? thank you.

[redacted]: Thank you for the information.

[redacted]: I would like to inform you that the reward will be posted on the account after 1-2 billing cycles.

[redacted]: It has already been after 2 billing cycles now.. that's why I am checking.

[redacted]: I understand, it is not posted yet. It must post on the next statement that generates on 11/**/2014.

[redacted]: Thanks [redacted]. So you are able to confirm that a credit $25 will be issued on 11/**/2014?

[redacted]: My pleasure! As you'll complete 2 billing cycles after the transaction date, the credit must be on the statement.

[redacted]: Thanks again.

[redacted]: You're most welcome. I'll be glad to assist you with any further inquiries that you may have.

[redacted]: That's all. Have a good weekend. I appreciate you help.

[redacted]: It has been a pleasure assisting you, [redacted]. Have a Happy Weekend!

[redacted]: Thank you for contacting Citi Live Chat today. To improve your chat experience we ask that you select the End Chat Button to complete a brief satisfaction survey. Have a great day!"Desired Settlement: I require Citibank to honor the $25 credit as advertised.

Business

Response:

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

Review: I have been a Citicard customer since I started college in 1999. In September of 2014 I went overseas for nearly four months. Prior to leaving I made a point to completely pay off my Citicard bill. While I was away I received an email that there was a balance on my account. I tried to access the online website, but I was having issues with passwords and finding reliable internet. I phoned the company to get help accessing my online account, but I could not recall my bank account number and I did not have the card with me on hand so they declined to help me ( social security, birthday, mother's maiden name, address and phone number weren't enough.) I said that I would call them back when I had the card. I was never able to find the card even after I returned back to the United States in December 2014.When I phoned to report the card lost I learned that my account had been closed due to failure to make the minimum payment. I had a balance of $3.30 when the computer decided to close my account on December **, 2014. Let me summarize: 15 year customer gets account closed on Christmas Eve because of an outstanding balance of $3.30 - not $30 or $300- but $3.30, less than the price of a [redacted]'s value meal. I phoned Citibank and they worked with me to apply to have my account reopened...and then denied me. I phoned them again once I got the email informing that my application had been denied and instructing me to go online for details. Recall at this point I have lost my card and had been having problems accessing my online account which contributed to this nonsense in the first place, and now they are telling me to log on for more information.This may all be dependent on the computer....Frankly I do not care. Someone should have had the common sense to treat a longtime customer who regularly pays down her balance with some decency and override whatever fail safe I was running up against.Desired Settlement: I spent nearly 20 years building up that line of credit ($9,300). That may not be a lot to many people, but I knew it was there for emergencies and it helped my credit score. I would like an apology and to have my credit card account restored in good standing.

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: January **, 2015[redacted]###-###-#### [redacted]Dear Sir,I have hard time to deal with [redacted] dishonor business practice. I look forward your assistance so that [redacted] can treat consumers fairly, and reasonably. In December or end of November, 2014. A salesman solicited me to buy their appliance warranty. I told the salesman I have washer and stove not working. She checked around her company data. She said the products were purchased within 10 years. I could buy warranty.I told the salesman the serial # and model # were missing from the stove. She said she had found the serial and model number from their files. The appliance could be fixed. So, she quoted me $148.20 for the 2 items warranty. Each costs $74.10A week later, I call for fixing the 2 products. Then, I discovered the rooms plumbing was broke and the floor rotten and caved down. It needed a major work. So, I moved all appliance & furniture out. But, I could not find a repairman right away. I could only fix the washer at that time. The washer was set in different room. After I had the plumbing and floor fixed, I called [redacted]. The repairman came. He said the stove did not have Serial and model number. He cannot fix. He wanted me to call [redacted] to cancel the warranty. I did it. The [redacted] clerk said I need to pay them 3 months warranty time. She can only refund me $59.62 credit! Nonetheless, I called [redacted] for the washer in December; the clerk made an appointment 2 days before the Xmas and was late afternoon. The repairman did not show up. He wrote a statement he did not know which machine to fix. Since then, I made 3 more appointments for the washer. The repairman had come to check for the washer 2 times and miss another appointment again. But the washer still has not fixed. Yet, the bill has come to me and I need to pay for the warranty time for the stove coverage 3 months and the washer warranty. But the washer I called in December, until now, it still not fixes. I believe [redacted] should pay consumers for their 3 months delays, tardy work also. I wish [redacted] should offer consumers fairness. Not just mandate consumer pay whatever they demand. I dislike [redacted] conduct bureaucrat business. I hope with your authority, [redacted] will treat consumers honestly. Thank you for the assistance,Sincerely,[redacted] Account: [redacted]Phone: ###-###-####[redacted] Product_Or_Service: December, 2014

Order_Number: [redacted] have it

Account_Number: onlineDesired Settlement: DesiredSettlementID: Refund

I need to get the full credit refund for the stove. The stove was not working the day I purchased warranty. It was not wear and tear during the warranty.The tardy washer repair, [redacted] should give consumers credit also.

Business

Response:

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

Review: Dear Sir/Madam,Unfortunately, on Jan [redacted], 2015, I just realized my Citi Dividend Credit Card which was EXACLTY the card I filed with my last complaint (ID #[redacted]) was CLOSED within one month without any notification and any reasonable explanation. Also, the cashback balance which should be around $13 dollars was also forfeited without my permission.I am reasonable doubt that that was the retaliation to my card and my financial benefit after I filed my last complaint to NY Revdex.com. Maybe I should exactly think it twice to escalate a dispute to Revdex.com before I realize that I still have card balance at stake.On Nov.[redacted], 2014, I initiated a Revdex.com complaint ID #[redacted] in regard to the improper handling of my $47.92 cashback balance I received from the staff of Executive Response Unit of Citi Bank Customer Service Center. Now VENGEANCE just arrived within ONE month after the complaint was closed unexpectedly.Now I should be extremely cautious before I resort to NY Revdex.com'S help and meditation as retaliation might happen to me from the one I am filing complaint against with!If so, is there a safe place to handle a dispute without fear?Desired Settlement: 1. Refund my lost $13 cashback balance due to retaliation.2. Reopen my Citi Dividend Card or send me a replaced new card as Retaliation against customer who filed a complaint to Revdex.com should not be a smart way to mute reasonable inquires.

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