Citi

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

Business

Response:

Good Day All,

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

Regards,

Executive Response Unit

Consumer

Response:

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

Sincerely,

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: We have been Citibank customers for over 10 years. We decided to get the [redacted] credit card before taking a trip in March, because we saw the perks of no baggage fees and Priority 1 boarding. So we proceeded to book directly through [redacted] website and used our Citibank ** credit card to purchase the tickets. When we go to the airport, we found out we were booked on a [redacted] flight. The agent checking us in assured us we would pay for the baggage fees at that time and then when we called Citibank after our trip, they would reimburse us. We didn't get Priority boarding and when we got back from our trip and called Citibank, we were told they weren't reimbursing us. My brother who had been on the same flight and who also had a Citibank ** card, called and his baggage fees were reimbursed. So I proceeded to try 2 more times calling, both times I was on the phone over half an hour and both times I spoke to a manager who told me they couldn't do anything because I had been on a [redacted] flight. I then went on another trip, booked through [redacted] and flew on an actual [redacted] plane and still did not get the baggage fees waived nor did I get the Priority boarding. To advertise both of those things, just to get people to sign up for the card and then go through the complete and total hassle of trying to get reimbursed is the worst business practice I've seen with Citibank in the last 10 years.Desired Settlement: Refund of the $100 in baggage fees from the first trip and $75 in baggage fees from the second trip. Airline miles for the huge hassle of calling to get this fixed and also for not getting Priority boarding on any of the flights.

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: 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: 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: [redacted] Billing cause my credit score to drop 101 points. I never receive any billing from [redacted] Billing. They had my correct billing address, which the mail came back to them ([redacted]). I ask them to contact my Bank where I was getting a loan, the bank NEVER receive the fax they were ([redacted])were suppose to send them. They were to send me by US Mail a copy stating It was not my fault that my credit scores dropped. They ([redacted]) said it would be sent 3-10 business days. I HAVE NOT RECEIVED ANYTHING FROM [redacted] THIS IS DAYS.Aneesha Moore

Product_Or_Service: N/ADesired Settlement: DesiredSettlementID: Refund

A $5000 credit from [redacted].

Business

Response:

Good Day All, We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him/her directly? Regards,[redacted]Executive Response Unit

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

Consumer

Response:

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

Sincerely,

Review: I never got most of my miles/points that I earned through my purchases.

The dates are roughly from 2011 - 2014 this happened to my personal and business cards and the same to my wifes.

I tried contacting citi several times and they guaranteed to give it to me (its all recorded) but at the end they directed me to [redacted] (that's where the miles/points were supposed to be reflected) but at [redacted] I wasn't successful either, so I asked citi to at least give them to me in thank you points or any other equivalent but with no success.Desired Settlement: I am looking to get all my miles/points that I deserve.

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]

jnjn

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

Sincerely,

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: 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] Credit Services practiced a bait and switch on us. We bought a refrigerator at the [redacted] store in the summer of 2014. the serviceman said it was 0% interest for 6 months. We made all the payments on time and then after 6 months ended, [redacted] Credit services added over 200 dollars to our bill in back interest This is a bait and switch. [redacted] Credit Services also charged us a late fee of 25 dollars on our bill this month (February 2015) and we were not late with our payment. I called customer service about this and they apologized and reversed the 25 dollar late fee. I am asking [redacted] credit to take off the extra 200 dollars of interest as they should not be allowed to do a bait and switch with their customers to sell more appliances. I also think [redacted] Credit should not charge their customers late fees for payments that are on time. If I had not bothered to call customer service, [redacted] Credit would have been pocketing a 25 dollar late fee on an account that was paid on time.

Product_Or_Service: large refrigeratorDesired Settlement: DesiredSettlementID: Other (requires explanation)

I would like [redacted] to take off the deferred interest off of our [redacted] Card so we can afford to pay off our bill. The orignal purchase price for the appliance was 1500 and bill currently stands at 1627 with the high interest rate of 25.24% I would also like [redacted] Credit Services (Citibank) to not do bait and switches on their customers. I would like them to lower our interest rate on our account with them too.

Business

Response:

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

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

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

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

• [redacted]: Hello [redacted].

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

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

• [redacted]: Please allow me 2 minutes.

• [redacted]: Thank you for your patience.

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

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

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

• [redacted]: This made your account negative.

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

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

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

• [redacted]: Is that okay?

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

• [redacted]: I do understand that.

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

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

• [redacted]: I am sorry.

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

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

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

• [redacted]: I am sorry.

But these are valid fees been charged on your account.

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

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

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

• [redacted]: You're welcome.

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

• [redacted]: nope

• [redacted]: Thank you for contacting Citi.

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

Business

Response:

Please forward to your Long Island City contact

Business

Response:

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

consumer.

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

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

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

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

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

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

Consumer

Response:

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

Sincerely,

Review: I 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: I had no idea I had a balance on a second card that I never requested. citi refused to refund interest and late fees that accrued.

I had a [redacted] credit card for several years. at some point in 2014, I received a replacement card from citi. I never requested a replacement card nor did I apply for a new card. I assumed the number was the same as my last card. I used the card to make a $1299.77 purchase on 11/**/14. I had no idea it was being charged to this second, mysterious account. I received a phone call on 2/**/15 from the collections department asking me to pay $1348.58. the rep and her [redacted], [redacted] #[redacted] refused to refund the interest and late fees of $105.99 and $95, respectively. nowhere on my online account was this second account visible. I only saw a $0 balance on the account ending in [redacted]. I never applied for the account, I never received a bill for the account, an email regarding a balance, or any other notice that there was a balance. I paid the balance in full as soon as it was brought to my attention. not only was citi sneaky in sending me a second card I didn't ask for, they refused to take off the bogus interest and late fees. avoid [redacted] credit cards from citi at all costs, as they use unscrupulous business practices to make a profit.Desired Settlement: I have the right to a $105.99 refund for the interest I was charged as well as the $95 in late fees that were assessed, for a total of $200.99

Business

Response:

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

Consumer

Response:

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

[Your Answer Here]I have already spoken to the business after filing this claim and they offered no resolution. If they have a proposed resolution, they should present it here, publicly.

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

Sincerely,

Consumer

Response:

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

I have not received my refund of these unscrupulous fees.

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

Sincerely,

Business

Response:

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

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

Business

Response:

Dear Sir or Madam:

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

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

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

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

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

Sincerely,

Resolution Specialist

Executive Response Unit

Business

Response:

Dear Sir or Madam:

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

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

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

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

Sincerely,

Resolution Specialist

Executive Response Unit

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved. I have also received the letter of lien release via UPS. I will be forwarding receipt of of the replacement of my title for reimbursement as soon as I'm able to obtain it. Thank you for the apology and for finally addressing this matter. Unfortunately, Citi Financial will never receive a referral from me. Thanks again and good day.

Sincerely,

Review: I bought a refrigerator from [redacted]. However, the bill has been sent to a wrong address(which was admitted later on by a customer service rep)for 3-4 months. When I was finally notified over the phone from their customer service, there were late charges/interests in addition to initial purchase amount. I was offered to pay the full amount, against which all fees will be waived( - my conversation wit Danny at Acceleration Team 4 on 2/**/15). I immediately submitted the full amount, but no action has been taken, while I have been harassed by phone calls everyday to pay all the fees, which now has gone up to $276.71. On 6/**/15, I spoke with Renee and Patrick, who told me to send a letter in this regard, and they will clear everything. I sent the letter that day.Now I just received a letter from a collection agency ([redacted]) to pay up $276.71.

Product_Or_Service: referigeratorDesired Settlement: DesiredSettlementID: Billing Adjustment

Please waive all the late fees and interests of $276.71, restore my credit scores, and send me an apology for the hardship and mental stress I went through because of this incident.

Business

Response:

Tell us why here...We are responding directly to our customer and they will receive the response via U.S. mail in 7-10 days. If you have questions or would like a copy of the response we would ask that you contact our customer directly for that information.

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]

If the business has been sincere enough, this issue should have been resolved long time ago. What they have done so far is to send me letters acknowledging my complaint and asking me to call their customer service, at which time I was rerouted to their collection department, who would ask me to send my complaint in writing. There were two letters I had written and numerous phone calls I have made over the past 7 months or so, but nothing is resolved so far. And what started as less than $50 late fees and charges now grew up to be almost $300. I don't think the business has any intention to admit their internal errors and just try to pass it on to a customer. If the business has any reasonable solution, they can share it with Revdex.com as well.

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

Sincerely,

Business

Response:

We have mailed [redacted]'s response. We will not respond any further to rebuttals.

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:

Please be advised that I just received a letter from the business, stating that they requested the consumer reporting agencies to delete the delinquency from my credit report. In essence, I guess this is to say that they were wrong in pursuing to charge me the late fees amounting up to $300. However, there was no apology whatsoever for the agony and mental stress I had to go through for the past 7 months. As you put it well, 'the business addressed the issues within the complaint, but the consumer remains dissatisfied.' Nevertheless, my heartfelt thanks to Revdex.com for the involvement and the efforts to resolve this matter. I wish your organization all the best going forward.Sincerely,[redacted]

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

Sincerely,

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: On June */2014, I made a payment and requested change of address. They never recorded new address and consequently did not received billing statementOn August**/14, I made a payment and requested the account to be closed with outstanding balance of $ 189As of January **/2014 the outstanding balance is now $ 364.71 because Late Payment fee has been assessed in a fraudulent way with a surcharge of $ 175 This is the first time that a Business charges me late payment fee after the account was closed and I object this unethical procedure

Product_Or_Service: HardwareDesired Settlement: DesiredSettlementID: Other (requires explanation)

I want to pay only for merchandise purchased after they remove all late fee charges

Business

Response:

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

Review: I am currently employed at [redacted]. When I first started working here in August of 2015, I did not have a bank account so I could not select direct deposit as my payment method. As an alternative, [redacted] gave me a payroll card, which is a prepaid card issued by Citi bank. This is how I received my paycheck every two weeks. About two weeks ago on February [redacted] of 2016, I woke up around 9 am and checked my account balance to see if my check had been deposited. My check of $224 had been deposited into my account, but I was only left with $94. Someone had my account information and spent over $100 at [redacted] and various other locations in miliptas and san jose , cities that are at least two hours away from the city I live in, Los Angeles. As soon as I saw what was happening with my account , I walked to the nearest 7-11 and withdrew the remaining funds from my account on an atm. When I got home, I called citi bank prepaid card services. The first lady I spoke with, Michelle, told me that I couldn't freeze my account, couldn't have a new card issued to me, couldn't have this card cancelled, and had to wait at least 10 business days to file a fraud claim. She told me this after telling me she had seen that my card had been compromised. Out of frustration, I hung up the phone, and called back 2 days later. When I called back I asked to speak with a supervisor, and I got William. William was kind enough to let me know that I had the option to freeze my account, and do all the things that Michelle told me I couldn't do. Michelle just put in the system that I refused all of these things. Michelle probably wasn't even her real name. William, cancelled this card, sent me a new one, and told me I had to wait 5 days for the transactions to finish pending to file a fraud claim. A few days ago, I called once again, wanting to file a fraud claim and I spoke with Mel. Mel told me that the transactions had finished pending and he could file the fraud claim. He then proceeded to let me know that it would take 45-50 business days to finish the investigation and even at the closing of the investigation, I may not get all of my money back. This whole situation seems outrageous, as if they're trying to make me wait to get my money back in hopes that I forget any of this happened and stop complaining.Desired Settlement: I just want a refund of the $130 that was taken out of my account. For having to wait this long for my money I should receive extra .

Business

Response:

[redacted]

[redacted] To Whom It May Concern: Citi® Prepaid Services received the complaint submitted on March *, 2016 from [redacted] regarding a prepaid card issued by Citi Prepaid Services on behalf of Limited Payroll Services. As a business that aims to provide a positive cardholder experience, we endeavor to resolve all cardholder issues in a thorough and satisfactory manner. [redacted] describes a situation where fraudulent activity has occurred on her account and she has contacted Citi Prepaid Services on several occasions in an attempt to clear up this activity. After reviewing [redacted]’ account, it was determined that the customer service agents that [redacted] contacted acted incorrectly. Follow up with these agents has taken place to ensure this does not occur in the future. Based on this, a fraud credit was provided to [redacted]’ account in the amount of $126.75. We contacted [redacted] on March *, 2016 and advised her of this outcome. We regret that [redacted] encountered this situation. If the Revdex.com should have any additional questions, please feel free to contact me at the number and information found below. Sincerely, [redacted] Customer Service Manager, CS Operations Citi® Prepaid Services Citi Treasury and Trade Solutions (P) ###-###-#### (F) ###-###-#### [redacted]

Review: My wife has a Citibank/[redacted] credit card account. We were advised by a credit counseling agency to remove me as an authorized user on the account, in order to improve my FICO/credit score. My wife has contacted Citibank numerous times to have my name removed her account AND have the account removed my credit report. Citibank removed me from her account, but has advised my wife that they are powerless to remove this account from my credit report or request the credit reporting agency to do so. The credit counseling service representative contacted the credit reporting agency. The credit reporting agency told her that without a statement from Citibank advising that my the account does not belong on my credit report, they cannot remove it. My wife asked Citibank to tell the credit reporting agency that they are removing her account from my credit report, and they told her they cannot do that. I am writing on the advice of our credit counseling representative to request your assistance in ensuring that Citibank takes all necessary action to have my wife's account removed from my credit report.Desired Settlement: Please ensure my wife's Citibank/BestBuy account is removed from my credit report ASAP. We are trying to qualify for a first-time VA housing loan.

Business

Response:

Thank you for your communication regarding the customer's account. Due to privacy concerns we are unable to release customer information to the Revdex.com. We will respond directly to the customer within the next 7-10 business days. A. C[redacted]Executive Response