Citi

Review: When attempting to make a payment on 11-**-2015 for my original account I was unable to make that payment because my ONLY account was at a zero balance. I looked at the online statements to assure this was the case and at that time there was only 1 account and it was at a zero balance. I contacted customer service and inquired about the payment. I was told there was no need for a payment because the account was paid in full and at a zero balance.

Below is my conversation with Customer service.

11-**-2015

[redacted].

Agustin: [redacted]

[redacted]: I was going to make a payment, however it says my balance is 0. and it wont allow me to.

Agustin: [redacted]. [redacted]: ok Thank.

[redacted]: you

Agustin: [redacted]

[redacted]x: No. thank you.

Agustin: [redacted]

I logged out of the account and the next day 11/**/2015. I checked it again.. Still only on account online and still paid in full So I waited a few days. Almost a week later I checked the account and noticed another account was issued the same day I attemtped to make a payment. obviously after I inquired. but was added to the website between 11/**/2015 - 11/**/2015

There was also a new card issued. and a charge on the new card for $813.45. Listed as a balance transfer.

As of 11/**/2015 there was also a charge of $28.00 for a late fee and on 11-**-2015 a charge of $19.65 as a intrest fee. To which I also dispute. I will not make any payments or charge anything to account I did not authroize. Nor do I feel I owe any late charges since I DID attempt to make my payment.

I emailed Citi about the issue on several occassions and I have recieved a reponse to one of my emails that I had sent stating that I needed to show proof of identification or they couldn't corrispond with me. They wanted a copy of my Id and if I wasnt who I said I was they wanted me to fax power of attorney papers to them.. that was their only response to my email about this unauthorized transaction.. However, when opening my ORIGINAL account they didnt need any authorization, nor did they need proof of ID.. not to mention any authorization to open a seperate account in my name.

I have also recieved a letter since all of this began, stating that my credit limit has changed and been decreased due to payment history. Which I feel is in retaliation to the fact that I refuse to accept their attempt to open a new account under my name and transfer any transactions with their company to the new account.. which also include late fees and interest.

Citi bank called the local merchant who I obtained service from and charged on the card that I was disputing that they ever offered me service.. and wanted that merchant to pay my bill! I never disputed the charges.. I dispute the fact that they opened a new account with a different account number in my name... giving me 2 open accounts with them and transferring balances.. which I might add were inaccurate.

They told me the reason they opened a new account in my name was because I was no longer eligible for offers made to me on my statements under my current account number.

In addition, they decreased my credit limit stating that since I did not make my November payment by the due date which was the [redacted] that they had to decrease my limit. I feel this is in total retaliation to my refusing to accept a new account number. I do not acknowledge the new account number and refuse to activate the new card as it will be my acceptence of the new account number.

I have asked Citi to close the new account they opened without my authorization and we could resume business under the old account number.. the one which I authorized and they declined saying they could not do that.

I cannot make a payment on the account I agreed to because it is now closed.

This company is crooked. I am taking this to every agency available to get the word out about this company!Desired Settlement: I want resolution by closing the unauthorized account. And re-opening the account I agreed to. I want all charges and interest reversed as I do not feel this is my fault this problem occurred. If they refuse to do this then I want all accounts closed and my debt to Citi satisfied as paid in full as they stated concerning my original account.

Business

Response:

We have responded directly to the customer via [redacted]. They should expect to receive our response within 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]

They continue to stand by their reason as to why they opened another account under my name without my permission. They refuse to reopen my original account and I feel they are trying to force me to do business under the unauthorized account number. I want my balance to be reinstated as it was back on 11/**/2015 and I will pay in full that balance under me original account number and I will pursue what other actions can be taken so others are made aware of what I feel is against consumer rights.

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

Sincerely,

Business

Response:

We have responded directly to [redacted]'s via [redacted] regarding his additional concerns. He should expect to receive the response within 7-10 business days.

Review: I've had a [redacted] Citi MasterCard since 2010. Since then, I've been making payments and had never been 30 days late prior to my card not being renewed. I was told that I was one of many who had the same issue when I called to find out why the card had not been renewed when I had been making payments and still had available credit. I entered into an program agreement as of October 2014, which doesn't allow for any payments to be past due by 30 days. Otherwise, the payment arrangement would terminated. I just received a notification this company had reported my account past due by 30 days as of June **, 2015. I spoke to Rep. Tyrell (this system won't allow me to type his employee ID no.), and he confirmed that my account was current and had not been past due by 30 days. This inaccurate reporting has caused my credit score to drop by over 50 points. I'm a stay at home mother trying to make sure that this payment is timely made, but then only to be informed of this false reporting after I just made a payment on this account. I'm now requesting that this debt be settled in the amount currently paid as July *, 2015.Desired Settlement: I'm now requesting that this debt be settled in the amount currently paid as July *, 2015.

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: [redacted] experienced financial difficulty back in 2009 and missed several payments on his Citibank credit card. Citibank eventually charged off the credit card and reported a charge off to the credit agencies. Within months, [redacted] repeatedly received calls from a collection agency by the name of [redacted]. The collection agency stated they purchased the debt from Citibank. After numerous threats from the collection agency [redacted] agreed to a settlement with the collection agency. The collection agency represented Citibank and stated they would report the settlement with Citibank as well as with the credit agencies. [redacted] received paperwork from the collection agency [redacted] confirming [redacted] made the scheduled payments and confirmed settlement with no longer obligated to further payments. The credit agencies [redacted], [redacted], and [redacted] all still reflect a past due amount of $5,593.00 and deilquent even though there is a note stating the credit card has a charge-off and is closed. This is hindering [redacted] from clearing up his credit report. [redacted] can provide the documents from the collection agency confirming the settlement if requested.Desired Settlement: [redacted] is requesting Citibank notify all three credit agencies that there is no longer a past due amount and the account is settled. It is imperative this issue be resolved ASAP. A letter is also requested with a wet signature and dated from Citibank credit card services stating the account is settled.

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 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: On ** Sep., 2014, I was behind on payments, due to divorce proceedings. I contacted Citi, on the date mentioned above, and paid the account current, due to proceeds from divorce settlement. In return, my account, in accordance to my credit files, were brought to a paid never late status. On ** October, 2015, I made a payment os $111.11. One ** Nov., 2015, I sent a cashiers check, in the amount of $289.93, on ** November, 2015. Along with the payment on ** Nov., there was letter with 2 requests. One was requesting the account to be closed. The other request, was to have the Nov. **, 2015 payment to be credited for Dec., 2015. I later learned, without any communication from Citi, the account was closed, yet the payment request was not honored. Both myself, and my boyfriend inquired about the payment of ** November, 2015. We were told the information is in the card agreement, in regards to multiple payments, per billing cycle. We demanded both the customer service representative, along with Ms. Sherrie S[redacted], out of the TN, office, to inform us of where it is written in the agreement. Neither could do so. Ms. S[redacted] stated a copy of the agreement would be mailed to us. Also, we requested billing statements, for the entire history of the account. I only received 12 months of billing statements. Also, In the letter dated ** Dec., 2015, from the desk of Patricia D[redacted], it states there are ** day late payments, on my credit reporting files for Jan. and Feb., 2015. Upon investigating my credit reports, I noticed there are no late payments on any of my credit reporting files. Ms S[redacted] stated the credit bureaus are reporting incorrect information. I do know if an account was reporting delinquent, then corrected, and now the account is closed, the previous correction can not be changed back to reflect a negative status. Also, Ms S[redacted]'s immediate supervisor was requested, and we were informed they were all in meetings, and were unavailable. We were informed we could receive a call withing 48 hours. My number currently has a cease and desist order, in regards to Citi. Also, in the letter, dated ** Dec., 2015, it mentions the payment cycle, in regards to multiple payments, but a copy of the agreement should have been mailed along with the letter, and notated where it states in the agreement, in regards to multiple payments, withing one billing cycle.Desired Settlement: Upon final payment of this account, the trade line to be reported as paid, closed, never late, as is being reported on my credit reporting files. Also, any contact to be conducted by postal mail only. No telephone or electronic contact, please. Thank you.

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 via [redacted] 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:

This account was to be adjusted due to payments being late, as for my former spouse was the ONLY source of income at the time this account was late. According to the telephone conversation, during the month of Sept., 2014. Account was to be brought current, and any and all late fees, as well as credit reporting to be adjusted to reflect as "paid never late". let it be known, the account within the body of the attachments, is hereby under dispute, in accordance to section [redacted], of the FCRA (Fair Credit Reporting Act). I expect a resolution in a timely manner. Thank you in advance.

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

Sincerely,

Business

Response:

We have advised we will no longer respond to this matter.

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:

NEVER have I heard of a MAJOR corporation, refusing to address issues, in regards to customer's complaints. In my previous to Citi, I request an investigation, as per section 623 of the FCRA. I received the attached letter, stating there is no basis for my complaint. This appears to be a BLATANT violation of FCRA guidelines. Also, as per telephone conversation, in Sept., 2014, I was informed my account would be brought from a suspended to open, and the account would be brought current, along with late fees waives, as well as credit reporting to reflect as "Paid, never late. I have also attached a copy of [redacted], stating the account was at one point "never late", after account was re-opened. Also, the comments in the account changed, at this point in time. Thank you.

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

Sincerely,

Review: I have been a Citi AAdvantage card holder since November, 2011. I have used my Citi Aadvantage [redacted] every day since opening the account for every personal transaction that I have made. I have always paid my bill on time and in full every month. I have never had any issues with Citi nor has Citi ever contacted me about any issues. On April [redacted], 2015 I visited a grocery store to purchase some Milk only to find out that the Citicard I always used every day was declined. I went on my Citi mobile app to check to see if there was an issue with my card and my citi app said to call a number. I called the citi number ###-###-#### and spoke with a CSR there who told me my account as closed. I asked when and why it was closed and they stated they do not know and they would check. They placed me on hold and when they came back they told me the only information they could give me was to write a letter to the Office of the President, I asked politely to speak with a manager to get more information, after speaking with the manager they stated they have never seen this before and had no additional information for me, and that all my account notations said were to write a letter and give no further information. I wrote a letter per request and still have not received a response or answer. I went on Citis online chat and chatted with employee id [redacted] whose name was Jesse. They also stated they could see no information as to why my account was closed except to write a letter. I asked for my situation to be escalated and they stated they would show it to their manager but besides that they didn't have any further information for me. My account ends in [redacted].Desired Settlement: I would like a full explanation as to why they closed my account without warning or any communication to me. I would like my account re-instated with the credit limit I originally had and all benefits I had been enrolled in for my account ending in [redacted].

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:

I have made multiple attempts to discuss what happened to my account with multiple Citi reps via calling, web chat and even writing a letter. Each time I am told that my account states to tell me to write a letter. I write a letter and get no response. I have escalated my call to supervisors and they state that they wish they had more information for me but that they have limited information. Citi is sending me in circles and doesnt want to explain why they closed my account or what I can do to resolve the issue.

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]

The responses were generic letters stating no further details and no resolution or explaination of issue or no channel to resolve the issue. Every time I call they say write a letter. Every time I write a letter no direction is given for resolution. I tried opening a new account per the guidance of a phone representative and my request was denied due to my original account is suspended. I continue to write letters asking why and how to remove the suspension with no willingness from the company to provide any information to me. Their last generic letter to me stated they now consider this resolved but nothing has been resolved.

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: 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: On August *, 2014, I made a purchase at a local best buy store using my credit card issued from this institution. Upon arriving home and opening the item, I noticed that the item inside the box was a less valuable substitute that appeared to have been placed inside the box and returned by a different customer. Upon attempting to return the item to the merchant, I was informed that the store had a 15 day return policy (I attempted to return it on the [redacted] day). Upon returning from the merchant, I came hope and initiated a dispute for this transaction with my credit card issuer. This dispute was filed on August **, 2014. During the filing of the dispute, I was informed that merchant would have 45-days to reply to the dispute.

On October **, I received notification that the provisional credit issued under the above dispute had been reversed as the merchant had replied to the dispute. Upon examining the documents provided by the merchant, I noticed that the merchant used my signature fraudulently, by taking the signature used to indicate that I was an authorized user of the card presented and agreed to my cardholder’s policies, and including language that indicated an agreement to the return policy located on the back of the sale’s slip presented. Yet, upon examination of these documents, merchant failed to include any language allegedly appearing on the back of the sale’s slip.

On October **, I responded to the merchants items presented as instructed by credit card issuer, and informed the card company that the document (sales slip) had been altered and never did I agree to the return policy. Only that my signature was used to sign to indicate an agreement to the aforementioned cardholder agreement. A subsequent chat with representative raised these same issues, and, when pressed, the chat representative could not explain why the transaction had been reversed and suggested I call the dispute resolution call center. Following the representative’s advice, I contacted the call center to check the status of my dispute and was told it was still open pending further examination and any documents needed from me would be requested. I again followed up with the credit card company to ask the status on October **, 2014, and was informed that the dispute was closed.Desired Settlement: I am requesting that the card company reverse the charge disputed in the amount of 140.87. Failure to do so will result in complaints with the [redacted], Attorney Generals, and my Congressional Representative. Legal recourse also remains an option if company is unwilling to reach my desired outcome.

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 letter received from the business does not address my complaint. Rather than address my complaint, the letter simply seeks to enforce the merchant's return policy and dictate in a paternalistic manner how a customer should operate when making purchases. The letter received does not explain why the credit card company accepted fraudulent documents from the merchant nor does it address its poor customer service in attempting to help me resolve the issue. Further, please note that I explicitly give the business authorization to communicate with the Revdex.com so that there may be no obfuscation by the business in addressing this complaint.

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

Sincerely,

Business

Response:

We previously responded to the customer on November **, December *, December **, and December **, 2014. We are no longer responding to [redacted] and ask that he work directly with the merchant.

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:

[A lack of response does not address my complaint regarding the reasoning for accepting fraudulently produced documents from the merchant in denying my dispute.]

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

Sincerely,

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: 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: 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

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: 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: 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: Due to unexpected health issues and being hospitalized, I was under financial restraints and distracted by physical recovery that most of my finances and credit accounts suffered. I have been in communication with the companies where accounts were affected and I am on the road to getting my accounts back into good standings. I had a phone conversation with someone from Citi and made a payment to bring my account back below the allowed credit limit. I also made a verbal commitment to pay $100 monthly until the account was at a $0.00 balance. I was told the payment I made and the verbal commitment were enough to keep the account open and active. A week later I received a letter from a collection agency for the remaining balance owed from my Citi credit card account. Frustrated I contacted Citi once again and was mistreated by the collections department. I feel as though I was misinformed during both interactions with the company. I feel as though I made efforts to inform them of why my account got backed up. I also made a payment out of good faith and verbal confirmation that the account would remain open and active. I even mentioned to the collections department, that if the original representative was honest with me and told me the amount I paid and verbal commitment weren't enough to keep the account open. Then I would have been able to make different arrangements to settle the balance without Citi canceling my account and selling it off to a third party collections agency.Desired Settlement: I would like to speak to a supervisor which I was denied during my follow up call with the collections department. I would like my account reinstated under the agreed upon arrangements made during my initial phone conversation. Those arrangements were a payment of $300.00 to bring my balance below my $1,500.00 credit limit, and the stipulation to pay $100.00 per month until the balance is paid. I would like any derogatory credit remarks that may have been added to my credit report since I made the phone payment and arrangements removed.

Business

Response:

We

will be corresponding directly with our customer. If you would like to

further discuss the resolution, may I suggest you contact them directly?

Consumer

Response:

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

[Your Answer Here]

The response is simply a statement claiming to deal with me directly. There is no attempt to resolve anything I've stated in my complaint. I attempted to deal with Citi directly and no acknowledge my issues which caused me to create this complaint. And again my issues with their business practice towards my account are being ignored.

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

Sincerely,

Consumer

Response:

[redacted]

Re: Consumer Financial Protection Bureau (CFPB), Case # [redacted]

Revdex.com of New York (Revdex.com) - Case # [redacted]

D[redacted]

[redacted] My original call where a payment of $300 was processed it was told to me by the citi rep that my account was open and in good standing after the $300 payment was received. Adnditionally to that the arrangement was made that I would be paying $100.00 per month until the account balace was $0.00. Weather it was an official payment arrangement according to citi's standards is beyond my knowledge. I ask that the taped conversation be made available because there is a conflict of information. I'm going off of recollection and you have supposed recordings that would pretty much settle the whole dispute. Why would I in good faith pay $300.00 dollars on a closed account? If my account was closed in April then why am I still receiving normal monthly statements and its now November? Collection companies rarely try to collect the whole debt, why would I pay citi $300 for absolutely nothing when I could have probably settled the entire debt for close to $300 through the collection agency? I feel as though I was misled and told bad information during the original phone call simply so citi could collect the $300 and still report me to the credit bureau's as some form off of the book punishment for not being able to make a payment from April until August. I may not be an expert on the UCC but that doesn't seem very ethical to misinform clients or customers. I also was never contacted by citi by phone nor by mail (other than my normal statements), I believe my email is also saved on file and I have not one email from citi regarding any collection attempts or payment arrangements. Again thank you for your response and time but you are being misleading with your information. Like I mentioned in a past response, this is me being nice in escalating my issues within your company and keeping it between us. I can and I will exercise any legal rights. I know this may be feeble me being one consumer and you being a large banking institution with lawyers on hand but that still doesn't mean you are right in the matter because you have a legal department at hand. I still have rights as a consumer and I am protected from misinformation tactics I feel are being used in this instance. I hope we can make an arrangement between myself and citi. I have cash to pay the balance in full but I want my account either reopened or a new one opened in its place. I got sick and defaulted for a while and I made an attempt to correct the account and the relationship and make steady payments as I did in the past with this account. You chose to manipulate the situation and cut off a consumer from a line of credit that will help my business but it wont kill my business losing it either. I just prefer to rectify the situation I just don't appreciate being mislead with bad information. And again I do apologize for my missed payments and the breach of contract and I know you hear excuses all day good ones and bad ones. But I was on my death bed literally and I have medical records and bills to prove that. If this needs to go to court so be it but I'd rather spend my money with citi to rectify my account status, but if I need to spend it with a lawyer so be it.Thank you for your time and attempt to clarify your position in the matter.

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] 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: 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: 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: 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: 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,