Citi

Review: During a routine credit report check in NOV 2014, I discovered information that someone had opened an account titled [redacted]/CITIBANK Account #[redacted]... This was a FRADULENTLY OPENED ACCOUNT and I wrote to inform the business of this. Repeatedly, I also told them to CLOSE THE ACCOUNT and I want all references removed from my credit report. I did NOT open any account at [redacted]/Citibank and NO ONE is authorized to open or use such account in my name. I will include an extract from my credit report that shows the above information and that the account was opened in October 2014.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I WANT [redacted]/CITIBANK CARD SERVICES TO CLOSE THE FRAUDULENT ACCOUNT #[redacted]... AND TO REMOVE THE MIS-INFORMATION FROM MY CREDIT REPORT. [redacted]/CITIBANK CARD SERVICES OWES ME AN APOLOGY IN WRITING.

Business

Response:

Thank you for your communication regarding the [redacted]'s dispute in reference to the [redacted]lines 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.Sincerely,[redacted]Executive Response

Consumer

Response:

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

I am waiting to hear Citibank's results of their own investigation. [redacted]

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:

Reference your letter of ** FEB 2015, I do NOT consider this event closed until ALL of action stipulated below, has been completed by CITIBANK. I am NOT impressed with their self-serving performance. I will advise you when I have observed the items are complete. I have received the letter (attached) in which Citibank admits that the account shown on my credit report was "fraudulently established" and NOT AUTHORIZED by me. That is a step in the correct direction and when I see the fraudulent data removed from [redacted], [redacted] and [redacted], I will be satisfied with the results. So far, it has taken two months for Citibank to reach this conclusion and I will wait to see the completion of action outlined in the attached letter. Thank you. Regards, [redacted]

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

Sincerely,

Business

Response:

Thank you for your communication regarding the customer's account. We are no longer responding to inquiries regarding the customer's dispute. [redacted]Executive Response

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: 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: 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: 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: 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: Hi, we have noticed so changes at Citibank and we did not receive any notices of changes to their policies in writing by mail..

We feel very strongly that it is time to switch checking accounts and would like to close our business account with Citibank.

Required FieldDesired Settlement: Lately we have been charges fees, they returned the last fee on [redacted] wasn’t a bank error but it was, went to the bank and placed a deposit for $400.00 the next day after being overdrawn and spoke with the Head Teller Hugo personally myself and he told me not to worry that the item would be paid, because Citbank call center confirm this information from Hugo at our Citibank branch in [redacted] of the wrong cut-off times for deposits this fee was then waived. We understand completely of cut off times and everything was explained to us correctly after this fee was credited.

Now here we are on December [redacted] of 2015, we get charged another service fee of $35.00 for being overdrawn for [redacted] payment for $2,666.76. Ok we went to the bank, made the cash deposit of $3000.00, then 2 minutes after I made the cash deposit of $3000.00 at the Yonkers Center branch which is our main branch, I whipped out my smart phone and used the [redacted] app to make a payment of $2,666.76. The next day we are charged a fee for $35.00 for being overdrawn. Which is clearly a bank error because this payment must have came through processing after our cash deposit was made. Their systems are programmed to see debits fist even if the cash is there. How do we know this to be true? Because if Citibank can return a payment for $140.01 for being overdrawn and NOT pay it, how can Citibank pay a payment for $2666.76 without us even making one phone call? Answer is simply and clear, the money was there all along, it is how they program there systems on their end, which is designed to see all debits first if cash deposits are processing.

This is very upsetting to us, because this means there are designing there checking accounts for fees and not for serving us. Which in return means we have to monitor this account ALL the time without fail, babysit this bank so to speak, log=on everyday at least twice a day, before 11:AM EST and before 10:30 EST everyday or we will get charged fees, rather NOT just closed it and return our fee because you rob us. So PLEASE CALL US FIRST BEFORE YOU CLOSED IT.

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. We spoke with a supervisor today just now at 2:23 PM EST and they stated to us it was something we did last month, on the 11/**/2015. [redacted] check for $140.01. overdraft fees are placed on the account on the following statement to not intruded on our cash flow.Thank you [redacted] for responding so quickly and we are going to keep our Citibusiness account OPEN. 4 years we have had our account.

Sincerely,

Review: My statement balance as of February *, 2016 was $4432.76. I paid the balance off early. I sent two checks that totaled 4433.47 and they were received and credited on January **, 2016. I accidentally overpaid the balance by .71 cents. On February *, 2016, Citi added an interest charge of 27.13. Since the account had an overpaid balance, this interest charge is fraudulent. They are billing me for 27.13 instead of refunding me the .71 cents.Desired Settlement: I want the 27.13 interest charge removed and I want my refund of .71 cents.

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: 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,

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: 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: 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: refusal to remove interest fees of $90 ++ Re account no [redacted]. Did not receive bills from july to oct 2013. citibank removed 2 months interest only. requesting that citibank removes $90++ of interest fees starting in July due to the non-receiving bills, not even aware that interest were accruing. Best Buy has gone from HSBC, to Capitol one to Citibank. Their change of system might have affected their mailing of bills. I have paid the transaction fee (cost of the purchase) and some interest fees. but requesting for a credit of the interest fees that I paid amounting to $91. thank youDesired Settlement: pls refund or credit back the interest fees charged of about $91 -- all interest accrued

Business

Response:

Dear [redacted]:

Your recent complaint filed on behalf of Ms. [redacted] has been forwarded to us for review and response. Citibank, N.A. is the issuer of the My Best Buy credit card.

We understand from Ms. [redacted]'s correspondence that she did not receive her statements from July to October 2013. We have researched her account, and while we cannot account for her statement once it was deposited I n the mail, we are not aware of any problems that would have prevented her statement from being mailed on time, as required by applicable law. We have enclosed her [redacted] statements for her records.

Our records show two goodwill late fee credits on November **, 201 3 totaling $70.00. We respectfully decline her request for additional fee and interest charge credits to her account. These charges are in accordance with her card holder agreement. She currently holds a zero balance.

Should your office have any further questions regarding Ms. [redacted]'s account, please feel free to contact us at the address listed 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 appreciate the $70 late fees that were already waived. But I would like to ask for more fees to be waive, please: Note that amounts state are just close estimates as I don't have the bill in front of me.

1. The credit line for this account is mere $250

2. Total late fees reached close to $160 -- that is more than half of the credit limit

3. Total purchase made in that earned the late fee is about $19

4. You claim that the system generated bills are mailed and once they are out, they are out with the expectation that we will receive them.

This is what I have been pointing out to you:

1. I did not receive the bill from Citibank until the late fees are already that high. I consistently received bills from previous best buy banks: HSBC and capitol one. BUT SINCE THE SHIFT TO CITIBANK, I ONLY RECEIVED ONE BILL and that was to tell me I owed so much money on late fees.

You are telling me you sent them out, I am telling you I DID NOT GET THEM. What happened after the bills left your office is a total big question?? I don't know. But for sure, I did not receive them.

2. It does not make sense that a $19 total transaction, with a credit limit of $250 will be penalized heavily. If you do decide, pls go ahead and cancel the $250 account.

3. If I indeed will be penalized, I do not mind paying for only 1 month of the late or penalty fees - close to $35 max. But $90 is already our 3 days meal budget.

Please in this economy, every penny counts. We are trying our best to pay our bills on timely manner and in full. But the bills prompt us or remind us. With so many bills coming our way, it is important that we receive every one of them so they can be paid.

Please reconsider.

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

Sincerely,

Business

Response:

Dear Ms. [redacted]:

Your recent complaint filed on behalf of Ms. [redacted] has been forwarded to us for review and response. Citibank, N.A. is the issuer of the My Best Buy credit card.

Ms. [redacted] states that she only stopped receiving her statements after the conversion to Citibank. Our records indicate that Ms. [redacted] began receiving late fees stemming from her June **, 201 3 statement and continuing being billed fees until her payments in November 2013 brought the account current. Citibank began servicing the My Best Buy accounts on September *, 2013. As stated in our previous correspondence, we are not aware of any problems that would have prevented her statement from being mailed on time, as required by applicable law. We respectfully decline Ms. [redacted]'s request to credit additional late fees.

While we understand Ms. [redacted]'s desire to have this dispute resolved in her favor, we consider all remaining fees to be valid.

Sincerely,

Review: Febuary **, 2014 [redacted] issued an pre-paid card from Citi Bank to be sent to me, well [redacted] didn't update the address and the pre-paid card went the wrong address and was return to Citi Bank. March **2014 [redacted] ([redacted]) and myself contacted Citi Bank pre-paid card services female (unidentified) ask for the updated information to reissue me another card and the females stated that it was take 7-10 business days, I explained to the female this is my money and the need was for food and gas however, I ask for a supervisor no one was available an because of the upset consumer the female hung the phone on me. March **, 2014 I called the per-paid card services and spoke with a female(unidentified) to see if the card had been sent out, the female (unidentified) said "NO" I said to the female that my information was update twice and verified on March **, **and as of March **, 2014 the pre-paid debit card from Citi bank has not arrive. I refuse to speak with anyone else from that business and I upset with the customer service [redacted] I received from just trying receive a $100.00 pre-paid debit card from your company......unresolvedDesired Settlement: Please make sure this complaint gets to right person in charge.

Thank you so very much.

Business

Response:

March [redacted], 2014

To Whom It May Concern:

Citi® P[redacted]aid Services received the complaint submitted on March **, 2014 from [redacted] regarding her [redacted] p[redacted]aid account issued by Citi P[redacted]aid Services. As a company that is dedicated to providing world-class service, we strive to resolve all cardholder issues in a thorough and satisfactory manner.

After careful investigation and research, it was determined that the address provided by [redacted] to send the p[redacted]aid card was invalid resulting in an undeliverable card.

Citi P[redacted]aid Services contacted [redacted] regarding her complaint. As a courtesy, the card has been reissued and sent to [redacted]’s work address via express mail at no charge.

If the Revdex.com should have any additional questions, please feel free to contact me at the number and information found below.

Sincerely,

Review: On my April bill there was a charge which was NOT may made by myself. I called [redacted] and was place of hold somewhere between 10 - 30 minutes. Because of the length of waiting I hung up and tried again a couple of days later with the same results. I would call during my work time hours and do not have time to sit around waiting online. After a couple of weeks I gave up and refused to pay anything on my bill. I find this odd that [redacted] do not realized that something is wrong specially I have always paid off my account the every next month and my account was NEVER more then $50 since I paid off of have new rain gutters. Because of that [redacted] increase my loan amount from $500 to $700. Yet I still never charge anything higher then $50. I know that in March of this year [redacted] came out to my home provide a quota as to upgrading my kitchen. My wife and I did not get the upgrade from them. Then on my April bill, I saw a strange charge which I did not authorized. This was the beginning of my problem. I refuse to pay for a charge I did not make and thus [redacted] charge late fees of 25% and I refuse to pay that too. I will continue to pay anything since I did make the bill. Well, a couple of days ago [redacted] emailed me to say that my [redacted] credit card was hack. As proof I have attached a copy of their email which they offered 12 months of free identity protection services, including credit monitoring, beginning on September **, 2014. But my issue is what good is that when I was charged for something and being charged late fees for products I DID NOT PURCAHSE.

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I want [redacted] to totally back out ALL LATE CAHRGES AND THE PURCHASE CHARGES which I did not make, period!!!! And I also demand that they correct my credit report too. I will forward a copy of this complaint to the Federal Trade Commission (FTC) along with their email.

Business

Response:

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

Review: Citi, 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: 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: 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: 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.