Citi

Review: Credit Services claims late payment and assessed fees since November 2014. My history and custom on all credit accounts are monthly full payment unless there is zero interest promo. I've filed a written protest by [redacted] of such claims and all charges and provided evidence my bank provided payment ahead due dates. Credit Services fails to respond to my protest and escalates the issue with additional charges and harassing phone calls.

Product_Or_Service: credit

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

Credit Services needs to properly update their records. Rescind any/all fees and negative credit reporting.

Business

Response:

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

[redacted]'s credit processor Citi Bank appears to know about the Fair Credit Reporting Act, but their response clearly ignores the law. Citi's response to me fails to address my written protest and bank evidence of ALL monthly payments ($27 and $29) paid in full and before each due date. I filed a formal protest, including bank payment evidence, with Citi Bank on February *. This protest was of Citi's erroneous claims of late payments and their piling on of late fees and interest. However, Citi ignores my Fair Credit Reporting Act complaint. I've now filled a complaint with the US Consumer Financial Protection Bureau. I've also contacted Citi bank, both by phone and in my written protest, to require Citi to stop their telephone harassment. Citi's phone rep acknowledged that I had that right under the law to stop the phone calls. However, I continue to log Citi's continued robo harassment phone calls of up to six times a day.

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:

This Revdex.com complaint shows a Citi bank response on your website that Citi bank has communicated directly with me (the complaintent). However, accepting Citi Bank’s response allows Citi to ignore the requirements of the Fair Credit Reporting Act and side step the Revdex.com process and further confuse this dispute. Citi Bank actually sent me both of the attachments, received on Saturday 4/**/15. The first Citi statement in summary says everything is rosy, Citi will rescind all theirnegative actions and Citi side steps that they were directed to cease and desist their harassing phone calls on March *, not March ** as Citi states. However, the second Citi statement repeats their same false claims. Since Citi bank displays a history on this account of false and misleading statements, which of the two Citi Bank statements is to be believed???

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

Sincerely,

Business

Response:

We sent a response directly to the customer to address his additional concerns on April **, 2015.

Review: called every day from philippines and harrassed

while out on workman's compensation. charged excessive fees.

I have a serious eye injury and have been out on workman's compensation since, 4-*-2014. I have been living on savings.as the company I worked for tried to no pay my claim so hired an attorney-[redacted].store I use is on [redacted]., and [redacted] I am 65 yrs old, I have been called and harrassed every day for 3 months from phillipines and bahamas, last guy spoken to was-[redacted]. I told them 60 days ago that account would be payed in full within the next 30 days.the calls increased to once or twice a day.so I waited to find out interest charges and fees. I didnt mind paying the interest. but late fees were exorbitant-120.00 dollars, lady said they would remove one 35 dollar charge, bringing fees down to 85.00. As I have payed the principal plus interest.leaving 85.00 balance. can you get this fee removed? also do I have a case for the 3 months of continual calls every day? my account number is-[redacted]. I canceled the account, after the rudeness of the woman.Desired Settlement: to remove the 85.00 fees left on the account

Business

Response:

We have responded directly to our customer regarding the resolution. If you would like to discuss the resolution, you may contact our customer 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: Citi Bank has allowed someone to use my social security number and private information to open multiple accounts and never verified it was in fact myself. It wasn't until the accounts went into collections that I was notified of their existence. It has been over a year and they still deny my fraud claim and I am being harassed by debt collectors. I had never spoken to or stepped foot inside a Citi Bank Branch until this situation began. I shouldn't be held responsible for accounts and charges made by someone else.Desired Settlement: I have no accounts and have never paid any accounts at Citi Bank. I would appreciate them finally resolving the situation and stop contacting me.

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 Health has charged my credit card for an amount of money ($217) that was paid off in July 2014. I havc a 0 balance on the card.

I had a CIti Health Card and the account number ended in [redacted].In April 2014, I charged $217 for dental work completed by [redacted] in [redacted]. At the time of the charge there was a $260 charge already on the card. The $217 that was added created a balance of $477. In April, I made a payment of $100, which reduced my balance to $377. In June, I paid $242 which left a balance of $135. In July, I made a payment of $45 which left a balance of $90. IN August I paid off the balance of $90. Around September 2014, I reported that I had misplaced my Citi Health Card and requested another card.

They closed out that card and were to issue another one. Although I never received a new card, apparently, they created a statement with a new card number. In November of 2014, I received a bill from Citi Health indicating that I owed them $217 on the new card which was [redacted]. I contacted Citi Health and explained that I did not have any additional charges as my balance on the previous card had been paid off. They informed me that they transferred the $217 to the new card. Again, that card was already paid off.

Since November, I have called Citi Health numerous times to try and resolve this situation to no avail. I have talked with both Customer Service and Billing. Most recently, when I talk with them, they reply that they are working on it. However, although I have asked that they provide me with a letter stating that I do not owe them any money, they have not done so. The answer is always, "We are working on it." That means that the dispute resolution specialists are trying to resolve the issue. Meanwhile, I am receiving 4 - 5 robo-calls from Collections each day (including Sundays) telling me that I owe Citi Health $217.

As stated, I have been trying to resolve this situation since November 2014. Most recently I have talked with the following persons in Customer Service:

1/**/15: [redacted];

2/*/15: [redacted];

2/**/15: [redacted];

2/**/15: [redacted].

On 2/**/15 I also talked with [redacted] in Billing who assured me that she would take the problem to the dispute specialist and call me back that afternoon. [redacted] reviewed my transaction history and told me that according to what she reviewed I had paid off the card that ended in [redacted]. And, she could not understand why the charge of $217 was placed on the new card. Needless to say, I did not receive a call back from her.

On today (February **) when I talked with [redacted], he assured me that a dispute specialist would call me back. I did not receive a call today other than the robo-calls from "Collections."

From what I can gather, it seems that the persons that answer the phones are in different geographical locations.

I am requesting the following:

Investigated of my complaint;

Resolution in the form of a "0" balance on my account.

A letter from Citi Health explaining that they erroneously transferred a balance to the new account number that the account is paid in full.

Thank you very much. I am available to discuss this further if needed.Desired Settlement: I am requesting the following:

Investigation of my complaint;

Resolution in the form of a "0" balance on my account;

A letter from Citi Health explaining that they erroneously transferred a balance to the new account number that the account is paid in full.

My credit is in good standing.

Respectfully Submitted, [redacted]

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 put in a for a home loan modification and have not received any updates on my application. I have made several attempts to contact my loan specialist via phone and email. When I called for updates, I have been told that documents are missing. I was also told that my specialist would call me and email me to notify me of the missing documents. I still haven't heard anything.Desired Settlement: I would like to be notified of the status. I would also like to complete the modification.

Business

Response:

Business Response to Revdex.com. MS

Review: This company engages in harassing collection practices. They are completely unwilling to work with people who are in difficult circumstances. I have been unemployed for 6 months, this company calls every day (sometimes twice a day) to request money. Every day I have to explain the same thing. I am unemployed, but as soon as I start working, I will begin making regular payments. When I ask if there is any way that they can work with me, I am told no, I just need to make payments. They never seem to enter your information into their records, because when they call the next day, they have no record of the previous conversation where you have take time to explain your situation and ask for help. No one knows, and no one can help. I feel bad enough being unemployed and being being on my bills, without them harassing me every day and reminding me with no offer of assistance. I have become so distraught and frustrated in dealing with them that I have stopped answering the phone. So now they have turned me over to collections. There must be something that someone can do to assist someone who is unemployed without harassing them every day! Please assist!Desired Settlement: If some assistance can be offered, I want to pay on my account. However, I do not need to be turned over to collections for the "crime" of being unemployed. Nor do I need to be harassed every day about my account.

Business

Response:

Please provide information on what kind of Citibank account this is concering

Consumer

Response:

The loan is a student loan.

The loan account is: [redacted]

Business

Response:

Dear [redacted]:

I am writing in response to your complaint that was received from the Revdex.com on 10/**/2013. Since your inquiry is related to your Citibank student loan account. I have been

asked to respond to your inquiry.

I appreciate your situation and understand that it can be challenging at times to manage student loan payment obligations along with other living expenses.

Collection calls are not always welcome to borrowers whose accounts are not being paid timely or as agreed. However, collection calls and correspondence can assist the borrower to get back on track and avoid the negative results of delinquency.

A review of your account shows that we did contact you by phone and correspondence to advise you of the status of your account. Since we did not receive sufficient payments, loan ** defaulted on 08/**/2013. We have no record of contacting you by phone after 08/**/2013.

Loan ** has been transferred to the collection agency Capital Management Service (CMS). The phone calls you are receiving are from CMS. You must contact CMS directly to request that they cease and desist contacting you by phone.

You can reach them at:

CAPITAL MANAGEMENT SERVICE

###-###-####

If you have any questions or need additional information, please contact me at ###-###-####, Monday through Friday from 7:00 a.m. to 2:00 p.m., Central Time.

Sincerely,

Review: I was told by Citi that if I spent 3000 a month for 3 months I would receive a 200 dollar statement credit . which they refuse to honor at this timeDesired Settlement: 200 dollar statement credit

Business

Response:

We will correspond 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: I have tried multiple times to setup autopay for my account and each time the autopay tries to bill a random account number. I have been charged two $25 dollar fees over the past 3 billing cycles because my bank account information was incorrect. After each incident, I made two manual payments with no error and after each billing cycle all autopay information is erased from their system. I have excellent credit history and Citibank is the only credit provider that I have had this problem with. In short, it seems like they are intentionally try to get me to pay extra fees and service charges by having the system forget account numbers or have the system process incorrect bank account information. This is unethical practice because I have called multiple times to get this fixed and nothing seems to get corrected after my call. When I ask the customer service representative to pull up the notes from past calls, they say there are no notes. On Oct *, I went in to check my account and once again all my payment information was gone! If I would have not checked the status of my autopay on Oct *, I would have been late on my payment because autopay had no payment information once again!Desired Settlement: I would like a refund for the $25 service fee and for my account to be closed.

Business

Response:

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

Consumer

Response:

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

Sincerely,

Review: My [redacted] Citi [redacted] was charged $69.93 on March *, 2015 by merchant [redacted]. I did not authorize this charge and noticed it on my monthly statement. I immediately contacted customer service and was transferred to the fraud department. The fraud department stated they could not initiate an investigation for an unauthorized charge because I have done business in the past with this company. I stated I did not authorize them to charge my card and this card was a new card issued to me approximately 6 months prior because of a security breach. They transferred me back to customer service who stated he could not reverse the charge and wanted to initiate a conference call with the merchant. I stated I did not have the time to stay on the phone to do this and that they could do it without me. He stated he would not and they could not stop this company from continuing to charge my credit card. I then stated if they are going to allow this company to continue to charge my account without my authorization, then to cancel my credit card with them. The customer service representative continued to try and convince me to not close my account, but would not stop this company from charging my account, so I insisted he close my account effective immediately. I did not want to close my account as I've been with them since 2005.

Product_Or_Service: N/A

Order_Number: N/A

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

I would like to be credited the fraudulent amount charged to my credit card. I shouldn't have to pay for an amount from a merchant I did not authorize to charge me card. I would also, like my account re-instated if they are going to credit my account and guarantee that they will not allow this merchant to charge my account any further.

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 not talked to the company and I prefer that the Revdex.com continue to handle my complaint.

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

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: they won't credit me back the late charges

last month I didn't receive my bill so when I called to find out it was due the fay before I called so they removed that late fee but when I received my bill I noticed there were charges on there I didn't make so I called them and they said they were going to send me a form to state which charges weren't mine so I was waiting for that and didn't realize I missed this months due date,so when I called to remove this late fee they said cause it was taken off once they can't do it again and the representative asked me why I am always late and in 5 years having the card I was only once late due to not receiving a statement and am also a victim of fraud.Desired Settlement: first I do want them to remove all the charges that I haven't made and also refund the 25 dollar late fee!!

Business

Response:

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

Review: My complaint involves the 01/**/15 decline of my credit application with Citi AAdvantage card. Citis explanation for this decision: Your existing account was not maintained in a satisfactory manner. Im curious as to this explanation since I have been a member since 01/**/2003. In that 12 year period I have utilized the credit available to me, carrying a balance as to not deprive Citi of earning interest and paying the account off more times than I can remember. In that 144 month period, never once did my account go over 30 days past due. Since I have NEVER paid ANYTHING late on any account it probably explains the reason my credit score is a [redacted] as of todays date. I also see no derogatory remarks reporting from Citi account either. So I had to ask myself, if 12 years of payments have been made and never late and my score is 768, what pray tell could Citi be referring to as unsatisfactory in their declination of my application? In 2008 CitiGroup sent a notice that they were changing my APR from 7.9% to 21.99% with no explanation other than they were doing this ACROSS THE BOARD to all cardholders. Im assuming this was in response to Citis insolvency and the need for the government bailout that followed. I chose to opt out of the higher APR since I saw no reason why I would agree to pay them an additional 14.09% when I had done NOTHING to deserve this higher APR. I continued to pay religiously on that account although I chose to take until December of 2014 to pay it off in full. So I assume by not maintained in a satisfactory manner, they were upset about the additional 72 months I took to pay of the balance at my contract rate of 7.9% and were deprived of that extra 14.09% during that time period. If Citi views denying people with my credit score and history as smart business practice, I can see why they were on the brink of insolvency in the first place. At no time did I fail to maintain this account and view this declination of my credit application for a NEW card with them as nothing less than a defamation of my character and libel in its very nature.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I request proof of the alleged mismanagement of my account and if and when Citi is unable to provide, a public apology and an admission of the true reason this application was denied. My credit is immaculate and I have NEVER defaulted or paid late. The insinuation that this was declined due to some mismanagement or default on my part is an insult.

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 entered into an approved written Forebearance Loan Contract for my mortgage after being disabled following a major medical condition. I made my first payment as scheduled in July 2014 for $2772 and scheduled automatic payments thereafter from my bank account. I received deliquent phone calls and a letter in August. My payment for August was "unapplied". I emailed my citimortgage analyst with no response. I called today 9/*/14 and spoke with Home Assistance Team which was recorded. My contract was denied on 7/**/14 without notice. I paid in full my balance to date to avoid any further delinquecy action. My credit will be affected and late fees may be applied.Desired Settlement: I want patrons to be protected from false contracts provided by citimortage. I want citimortgage to be fined for not complying with our contract agreement. I want any late fees to be removed. I want any negative credit reporting by Citimortgage to be reversed with an explanation to avoid any penalty to my credit score. I want a letter of denial with date in real time. I want an apology letter from Citimortgage Customer service.

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. The executive board member [redacted] contacted me by telephone. A mutual agreement was confirmed that my contract indeed was in effect. Since an additional payment was made in July, any negative credit reporting would be erased for August. He explained that a coding error prompted a miscommunication between other departments of CitiMortgage. He apologized for any inconsideration from CitiMortgage representatives which had caused me distress. He allowed me a choice to continue or cancel my Forbearance Contract. Since I was paid to date for contractual agreement, I decided to end contract. I made a requested that any future questions that arise from a customer be escalated to administrators who would be better able to assist in a timely fashion. A letter summarizing our conversation would follow.

Sincerely,

Review: We paid our loan off, and One Main Financial continued to take money out of our account for 2 months after it was paid off. Very rude and don't seem to care about their customers at all. When we finally got our money refunded (which we had to wait for 10 days, should have been charging them with high interest rates!), the amounts were lower than what we should've gotten by $75. When talking to them at the local branch, not very helpful or friendly. When you call their corporate office, very rude and then just connect you back with the local office!Desired Settlement: DesiredSettlementID: Refund Would like the extra money that they have taken from us. Well definitely never go back there again, and will make sure everyone we know is aware of how they treat their customers!

Business

Response:

Dear [redacted]:

We are in receipt of your correspondence dated July **, 2013, regarding [redacted] and [redacted] OneMain Financial account and we appreciate this opportunity to address their concerns. We have had an opportunity to research the Issue raised and offer the following response.

According to our records, the [redacted] elected to enroll in OneMain Financial's Autopay program, which allows a customer to have their regular monthly payment withdrawn automatically from the bank account on file, when they opened their account on March **, 2011. Unfortunately, the Autopay withdrawal will not deduct a payment for an amount different from the regular payment amount. As such, when the payment dated June *, 2013 was withdrawn from their bank account, the system automatically made a withdrawal for the regular monthly payment amount of $266.78, although the actual payoff was for $27.96. Please note, due to insufficient funds, the payment was rejected by the [redacted] bank institution on the Initial withdrawal attempt and second attempt as well, resulting in two (2) non-sufficient funds (NSF) fees being assessed in the amount of $30.00 each.

Upon advising the [redacted] that the autopay withdrawal would be for the full regular payment amount and not only the payoff balance, [redacted] office made the decision to reimburse the [redacted] the two NSF charges, however a valid bank statement would be required before the issuance of the refund. It is my understanding due to a delay in providing this documentation to the [redacted] office, the branch office was unable to process this refund until July *, 2013. Our records reflect that on July *, 2013, the [redacted] account was paid in full via a payment withdrawn from their bank account and an overage refund was issued to them on July **, 2013, In accordance with company policy. Contrary to the [redacted] claim that they were entitled to an additional $75, we have reviewed our records, however have been unable to locate evidence that would substantiate this request.

While we continually strive to provide a superior level of service to all our customers, we truly regret any Inconvenience or confusion the [redacted] may have endured. We strongly value good customer relations and take any complaints of customer dissatisfaction seriously. On behalf of OneMain Financial, we would like to extend our sincere apologies to the [redacted] for any inconvenience this situation may have caused them. We trust that this response adequately addresses her concerns; however should you have any additional questions regarding this matter, please contact me directly at ###-###-####.

Sincerely,

Resolution Specialist

Executive Response Unit

Review: On 3/**/15 @ approximately 6:20 pm, a male individual was able to make purchases in the amount of $347.21 with my [redacted] credit card while the card was in my possession. The purchases were authorized despite the person having no valid ID, No credit card and no contact information that should have been presented at the time of purchase.I was made aware of these activities on March [redacted] when I was contacted by a home credit service rep who asked me if I had made purchases in the amount of $347.21. I told the rep I have not used my card in more than 3 months and I was at work at the time of the purchases. I am very concerned about the manner in which [redacted] handled this particular authorization for the charges made. I was unable to make purchases late last year when I went to the store without my cars. I had to produce a valid ID as well as answer other pertinent questions before the charges could be made.I am therefore requesting an investigation in this matter as to how this could have occurred in the stores under the circumstances mentioned above. This incident has left me to feeling that my identity was put at risk and I am very dissatisfied with the person or persons who authorized a stranger to make purchases in my name without a valid Id.Once I was made aware of the above, I tried to contact [redacted] the loss prevention manager on several occasions and each time I was told she was not in or to call back. I felt I was given the "run around", and was unable to address my concernsRegards [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

I need to have [redacted] investigate this matter and discipline the person or person who assisted this individual by allowing him to make purchases in my name without valid identification and answering pertinent questions. I would like them to provide fraud protection thanks Regards[redacted]

Business

Response:

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

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is incomplete as the matter is still being investigated

Sincerely,

Review: Citi, Failed to report that my credit card account was in good standing to credit agencies, therefore causing an unwarranted drop in my credit score.Desired Settlement: I want my account to be reported as in good standing, due to the fact that I have not missed a payment in 6 years.

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 processed a payment after I cancelled it with one of their reps. This caused several bank fees that should have been credited, no sup call This is the complaint I sent [redacted] In June there was an error made by the company who handles the credit accounts. I cancelled my electronic automatic payments due to loss of employment. I went into the store and made a payment to bring my account current and was to go into the store to make the next payment. as discussed before the end of the call. A couple of weeks later I walk into the bank and attempt to take out cash for a couple of necessities and found out my account was overdrawn. The payment was $143 from [redacted]. I called immediately the representative apologized acknowledged my prior conversations saw the payment had actually already been made in cash at the store but stated the system did not recognize payments credited after the statement was issued. I told her my problem advised her the payment would not clear but had caused at least one bank fee. She advised me to fax over the ledger from the bank and they would credit me the fees and stop the payment. I tried for over a weeks to fax the paperwork I even walked it into a store to see if they could provide me another fax number because the one I was given was consistently busy I offered to scan and email to a supervisor they all declined. I go into the bank a few days later to discover the same payment had gone in again was rejected and caused another $37 fee at that time I called again and was told the same thing I was given a second fax number I have not been able to get through to and still no one helps me. At this time I have incurred several fees and penalties related to this. I finally called and asked for a supervisor because I am still getting collections calls for the returned payment. I have made 4 requests for a supervisor no matter what time I call I am told there are no supervisors four people have taken my information promised a call back within 24 hours and its been 3 weeks I have not received a call. If this shows on my credit report I will be very upset I have been consistent in my efforts and the credit department has been by far the most unhelpful group of [redacted] individuals I have encountered. At this point I have had two of my bills rejected from other companies and two $37 fees for my payments being returned. I want the collections actions stopped!! Please apply the fees you actually owe me to bring my account current. I am unemployed and a [redacted] your action caused a chain reaction that made purchasing gas and food impossible and that is unacceptable. I am forwarding this along with my original letter to the Revdex.com but I look forward to an immediate resolution.Desired Settlement: I would like the fees charged my by creditors and my bank either applied to bring my account current and in good standings or a refund to my checking account. I would also like a letter of apology so I can submit to my creditor for their file as this was not my error

Business

Response:

Dear [redacted]:

Your recent complaint filed on behalf of [redacted] has been forwarded to us for review and response. Citibank, N.A. is the issuer of the [redacted] account.

We certainly regret any inconvenience or difficulty [redacted] may have experienced on their [redacted] account. Our goal is to serve our customers by providing superior service and products. One of the best ways to achieve this goal is to receive feedback, both positive and negative, from our customers. We apologize that this level of service was not met during their contact with our Collection Department.

Before we can complete a review of [redacted] concerns about the overdraft fees charged by their bank, we will need documentation from their bank verifying that the withdrawal of $143.00 caused the fees along with the amount of the fees they were charged. This information can be sent to us at the address listed above or by fax to ###-###-####

Should your office have any further questions regarding [redacted] account, please feel free to contact us at the address listed above.

Sincerely,

Executive Response Unit

Business

Response:

Dear [redacted]:

Your recent complaint filed on behalf of [redacted] has been forwarded to us for review and response. Citibank, N.A. is the issuer of the [redacted] account.

We certainly regret any inconvenience or difficulty [redacted] may have experienced on their [redacted] account. Our goal is to serve our customers by providing superior service and products. One of the best ways to achieve this goal is to receive feedback, both positive and negative, from our customers. We apologize that this level of service was not met during their contact with our Collection Department.

Before we can complete a review of [redacted] concerns about the overdraft fees charged by their bank, we will need documentation from their bank verifying that the withdrawal of $143.00 caused the fees along with the amount of the fees they were charged. This information can be sent to us at the address listed above or by fax to ###-###-####

Should your office have any further questions regarding [redacted] account, please feel free to contact us at the address listed above.

Sincerely,

Executive Response Unit

Review: I applied for my Citibank Aadvantage Executive card account ending [redacted] and got approved and started using my card. I paid the $450 fee and now Citi put a hold on my account because they said they need to verify my identity.

Citi then asked for an alternative phone number to verify my identity but the phone number I called them with (the same one I used to apply for the card) was not eligible. This phone number (my cell phone number) is the only phone I've ever had.

I asked for an alternative verification method. They said I needed to send in my Social Security Card, Passport, Drivers License and proof of address (my rental agreement). I faxed all of these in to the phone number provided. It has been weeks and my account is STILL frozen.

Citi is scamming me for the $450 annual fee and they are trying to avoid paying out the miles I would receive if I spent $7500 within 3 months.Desired Settlement: Citi needs to contact me and verify that they got the documents I sent in. Those documents settle the verification process. If not, call me at the phone number I've only ever used in my life ###-###-#### to verify my identity.

Citi needs to also compensate me for the benefits of the card I paid for in my $450 annual fee that I could not use.

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:

I sent in ID and address verification documents and Citibank still claims they do not have it. I am not getting proper communication. I should not have to call in everyday; Citibank should be calling me everyday with an update on this situation. They took $450 in annual fees for a card that I can't even use the benefits of.

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:

Merchant is not answering any of my calls

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

Sincerely,

Business

Response:

We

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

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

Review: I have been a loyal member of [redacted]s credit services since 2006. Paid my bill on time and down to a zero balance within thirty days of purchase to avoid interest charges. Fourteen days ago [redacted] cancelled my card without so much as a notice, advising or warning me of this cancellation. I asked for my card to be reactivated and was advised that once a card is cancelled it cannot be reactivated. In other words, my card was cancelled because I paid my bill on time and avoided interest charges by paying the full amount due within the 30 day time frame. This does not appear to be fair to consumers that abide by the law and pay their bill on time. My card was cancelled without a notice advising me of their intentions.They said they ran a credit check and even.though I had a zero balance, that warranted cancellation of my card.When they ran their credit check, they probably discovered that I was no longer employed by the state of California. The reason is I was wrongfully terminated for filing a workers comp case and a discrimination complaint after 9 years of being subjected to discriminatory acts by state officials. This did NOT prevent me from paying my bill in a timely manner. I want my card reactivated and a letter of apology wouldn't hurt.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want my card reactivated and a letter of apology wouldn't hurt.

Business

Response:

We responded to the customer on April **, 2015. The customer should allow 7-10 days to receive our written response. If the customer would like to share this information, they can provide a copy of our response to 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:

CITI asserts that a letter was sent to me on March **, 2015. I never received a letter.CITI also stated within this 4/**/2015 letter that a copy of the March **, 2015 letter was enclosed. No letter was enclosed in this mailing.This letter is signed by [redacted] of the Executive Response Unit and states an enclosure was included, however no enclosure was included.

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:

NO RESPONSE WAS RECEIVED FROM THE BUSINESS!

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

Sincerely,

Business

Response:

We responded to the customer on May **, 2015. The customer should allow 7-10 days to receive our written response. If the customer would like to share this information, they can provide a copy of our response to your office.

Review: Calls from this number ([redacted]) are offensive especially when I made payment arrangements on this account and I am still receiving five (5) calls each day starting at 8:15am until 7pm nightly some times especially on Sunday are 1 minute apart. I have asked them to stop calling and note my accounts when I will pay the bill. These calls started when I paid $50 on my account in December and the payment was 51.59 which they charged me $36 for late payment.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want the calls stopped since I have made payments arrangements and that date has not arrived yet.

Business

Response:

Tell us why here...The case is currently being handled through another channel. Upon completion, we will be responding directly to the customer as Citi has not received aithorization from the customer to release information to your office. Regards, [redacted]

Consumer

Response:

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

Sincerely,

Review: CitiMortgage offered a promotion of $750 for opening a qualifying account before closing on a mortgage. I opened a qualifying checking account with the minimum balance of $1500 before closing on my mortgage in October 2015, and was told no further steps were needed.

A month later, I called CitiMortgage and was told it would take 90 days for the $750 to be applied. In the meantime, CitiBank ordered checks and charged me for them without my consent. They then began applying service fees each month. I called and complained and they refunded my account for the checks and restored my balance to $1500, but Citibank continued to apply service fees because my AVERAGE balance was not $1500 (because they had taken money from my account without my permission). I called again to get the money refunded.

When I called CitiMortgage at this same time, they had no record of any promotion being offered for taking out a mortgage. I have the promotion in writing, and I have my checking account statements showing an account balance of $1500 with service fees being applied for going UNDER $1500.Desired Settlement: I would like this to not happen to other people, and for this information to be on file somewhere.

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,