Citi

Review: I was on my citi bank credit card simplicity card and I noticed how my credit card credit limit was at $900, as it was $5,000 prior to signing on the night before. I contacted citi customer service and asked them to explain the issue and they could not give me an answer and they said that a letter of confirmation would be mailed to me to my address. I have not received any so called letter explaining the problem of why my credit was reduced. I think this is totally ridiculous. I have always paid my account to the fullest all the time and have never missed a payment and have been a citi simplicity card holder since spring of 2013. Also when contacting customer service they were disorganized and were short with me and were not professional to me, I got transferred four times and no one could tell me what was going on. this is just absurd. they took my credit line away from which they had no right to do so. I would like to have that back at once.Desired Settlement: to have my credit limit increased to $5,000 as it was previously before this issue

Business

Response:

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

Consumer

Response:

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

[Your Answer Here]

I need a complete resolution to this problem and someone from citi bank needs to contact me directly to fix the issue and restore what I previously had of my credit limit

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

Sincerely,

Consumer

Response:

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

[Your Answer Here]

Still no one has contacted me in regards to my issues Never again will I have citi bank in the future

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 him/her directly.

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: Two [redacted] stores allowed merchandise purchase from an individual who is not listed on my [redacted] credit card account. Indiv. charged 1761.0

Individual purchased in this LR store a total of: 1202.87 in merchandise by giving sales associate my phone number. This individual is not listed on my account and has never had permission to purchase merchandise on this account. The individual then traveled ~2 hours from this LR store to a store in [redacted] where another merchandise purchase was made to the total of: 558.21. This individual gave my phone number to sales assoc. in this store where they were allowed to proceed with purchase without any identification asked prior to purchase. The invoice number for purchase in LR is: [redacted]. Purchase date of 4.**.2015 amount=1202.87. Time of purchase=**:00am...The invoice number for [redacted] store purchase: [redacted]. Purchase date of 4.**.2015, amount=558.21, time of purchase: 1:42pm...transaction number: [redacted]. These purchases were noted by me on Tuesday morning 4[redacted].15. I immediately contacted both store locations where I spoke with both store managers. [redacted] manager only gave first name of: Shawn. LR store would not give name. The store manager in Blytheville explained the only process I could follow would be to contact [redacted] Credit Services, which was done same day. I was told I would receive paperwork in the mail for a declaration of unauthorized use and to complete and return. I received the information May 12, 2015. All information completed and returned same day. Nothing was told to me until I received an account summary (bill) which showed the adjustment on my account. I was not notified of any other issues, concerns for 2 weeks. I assumed it was complete and they allowed the re-imbursement. I then received a call from the [redacted] Credit services asking dates of purchase and name of perpetrator which I explained. Nothing else was said. Call completed. I received a letter in the mail June **, 2015 stating the investigation of my claim was denied and I was responsible for all charges. They stated the reason for denial was as followed: "You received benefit from charges made on this account" and "When you provided a 3rd Party with your account number and Expiration date, you assumed liability for any resulting charges." The account number for this account is: [redacted]. This account was closed same day of complaint. 4.**.2015. I do not feel that all services/employee's that acted upon this fraudulent purchase was done per policy of both stores. I do not feel like the [redacted] credit services can state the reason for denial as mentioned above as this is an assumption and not true objective data. I did not provide the perpetrator with any information to this account. The only known information this person knew was my phone number and I had a [redacted] account.Desired Settlement: The resolution I am seeking is a refund to my [redacted] account to total the amount of $1761.08 that was purchased fradulently on my [redacted] account.

Business

Response:

We will respond directly to the customer within the next 7-10 business days. 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:

The company has sent me their response. Their responseis still subjective data and not an accurate response to my re-openedinvestigation case I asked of them. They are still stating that the perpetratormentioned using the card fraudulently was given permission to use my card and Igained credit with the merchandise that was purchased. They stated they provedthis based off signatures used with that particular card. The only 2 signaturesthat were mine only one copy provided then the rest legibly shows they weresigned by J. M[redacted] and then just [redacted]. My signature is very legible withit being signed as "B. M[redacted]" I will still fight this and feel itcompletely inaccurate investigation and not substantive evidence to rule theway they have stated. Very inappropriate and inaccurate.

[Your Answer Here]

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

Sincerely,

Business

Response:

We will respond directly to the customer within the next 7-10 business days. If you would like to further discuss the resolution, we suggest you contact them directly.

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: 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: Went to [redacted] to purchase a washer and dryer. We did, filled out credit application because we had not used our old [redacted] card. We did this on 12/**/14. The deal was no interest for 24 months. Thought we would pay it off before the 24 months was up. We never received the cards. Got a call from Citicorp the [redacted] saying they never received a payment. Told them we never received a bill or the cards. So they checked the information and said wrong address. Must be cards were mailed someplace else along with the bill. Okay they changed address, after they told us the store in [redacted] made the mistake. Got another call the [redacted] wanting us to make a payment. Told them still hadn't gotten a bill, nor the cards. Wasn't making a payment cause they charge a fee to do so. Asked them for the credit card information so I could put it in my information to pay with my online banking. They can't give that information out over the phone. How can I pay a bill with no information of the credit card? Getting very annoyed because no help was being given in how to take care of this. Worried about credit rating because we are applying for a loan. Our credit score was over 800 before this mess that we did not make. It better not be downgraded due to someone else's screw up. Went to the [redacted] store today and paid the bill in full. Don't want anything to do with a company that can't get mail to my home, doesn't take responsibility for their screw up. Called to cancel the card tonight and it took forever to get that done. They didn't think it would be a problem because the card had not been activated. Oh that surely gave me a sense of security. Don't know where the cards were sent, calling and harassing us for a payment when we have not seen a bill or a card. Yep the store said Citicorp was the problem and Citicorp said it was [redacted] in [redacted]. Nobody wanted to say who did it. I have slips from [redacted] with our correct address on it, so who did it. Ruin somebody's credit and nothing done.Desired Settlement: DesiredSettlementID: Other (requires explanation)

Want letters reassuring us from [redacted], and Citicorp saying no damage to our credit report due to claims of late payments from never receiving the bills or the credit cards.

Business

Response:

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

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:

Credit Bureaus were notified that the account was closed. I requested that they be notified and made aware that I never received a credit card, a statement, or any written correspondence, instead received two phone calls requesting late fee payments. My concern is still that my credit is showing late payments. The reason City was paid in full was because we couldn't get any paper work and constant phone calls asking for the late payments which I thought would hurt our credit. Supposedly they reached an agreement with [redacted] to pay the 15% discount that would have been if we had not financed. We have not received this money and don't know when it will arrive, and a letter stating that the account was closed to the 3 credit checks doesn't show us that our credit has not been hurt or effected.

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

Sincerely,

[redacted] And [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,

[redacted] And [redacted]

Review: I have a [redacted]. Credit Card with Account Number [redacted] and a credit line limit of $1000.00 I made a payment of $50.00 last month bringing my credit balance to $301.39 without any FEES, INTEREST CHARGES, and/or CASH ADVANCES. Surprisingly, when I got my latest Account Statement, I saw that I have been charged INTEREST CHARGES of $214.17 bringing my new total credit balance to $$516.10 I quickly called the Customer Service for explanations. I was told that I bought a product in December 2014 which cost $499.89 with a promotion of 18-months without interest if payments are made within that time frame. If not, then I'm required to pay all accrued charges from the beginning. They are therefore claiming that since the 18-month grace was out this month of July, and I have not paid out the entire $499.89, they have decided to charge me that whopping $214.17 accrued interest.My problem with this is that they didn't disclose to me as a consumer during this period any amount left for me to pay to avoid these charges. I do believe that the company is skirting disclose requirements expected of them and therefore hiding under this argument to charge me what I called a PENALTY FINE. They were not transparent in their dealings with me on this issue. This is very diabolic and deception at best.Desired Settlement: I'm therefore advocating for an adjustment of my Account without the WICKED AND DIABOLIC accrued interest of $214.71 from $516.10 to $301.39 because I was deceived and the company skirted disclosure and transparency laws required of a credit services provider like [redacted]. Credit Services.

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

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: [redacted] mastercard mad an error with their interest promotion twice with my account. The first time, they fixed it. The second time, they did not.

When I opened this card at a [redacted] location, the gentlman told me that my card would be under their 0% interest promotion for 6 months on everyday purchases and my actual [redacted] purchase would be under an entirely different interest free promotion. On my first statement, I noticed that they did not have the correct promotion attached to my [redacted] purchase. I called and they fixed it. Then I used my card under the impression that I would not incur interest for 6 months. On my next statement, I noticedI was being that I WAS being charged interest. I called to get the issue fixed, but dealt with 2 young ladies who provided me with horrible customer service. The supervisor said she could file a complaint on my behalf, but that I could/would not get any sort of confirmation of that complaint. It was very obvious that she was just trying to brush me off. They offered me no sort of solution as I hung up with them.Desired Settlement: I wanted them to honor what was told to me when I applied and was then approved for the card. It was one of the selling points to why I obtained it.

Business

Response:

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

Review: On Apr **, 2015 I applied for the Citi Thank You Premier [redacted] Credit Card [Application ID: [redacted]]. Unfortunately, when I called to follow up on the same time, the credit analyst told me my application was declined because the credit score was too low. She was unable to provide me with the score over the phone but assured me it will be printed on the letter that would arrive at my home in 7-10 business days.

On Apr **, 2015, I received the Decline of Application letter and on Page 3, it read "As of Apr 2015, your credit score is [redacted]". This is a shocking news for me because my credit score has been higher than 700+ all the time. I contacted [redacted] that Citi pulled my credit report from and actually paid [redacted] a fee to get a copy of my credit report and the latest score. The score I got as of Apr **, 2015 is actually 730, in line with my expectation. So, I was really confused.

On Apr **, 2015 I contacted Citi Card customer service and spoke with their [redacted] who named herself as "[redacted]". She told me the credit score printed on the letter I received was wrong. To my surprise, she said this is a known issue and she has no positive date when this can be fixed. When asked if I can get another copy of the decline application letter, she said it is automatically generated and if I request another copy, I will get the same score printed which is 596.

I beileve the wrong score Citi used has a huge negative impact on the credit card application but Citi refused to correct it. Furthermore, they acknowledged over the phone this is an known issue but there is no timeline when this can be fixed. I am not sure how many more customers will be impacted by this.Desired Settlement: I would like to know when Citi Bank plans to fix this.

I would like to request an approval of my credit card application since my credit score is 730 and a "Good" category from [redacted].

I would like to request a copy of letter explaining the accurate information on my credit score.

Business

Response:

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

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: 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: credit card application- started with a computer search -1. typed in best credit card rate 2.computer went to top 10 credit card rates 3. clicked-on 4. went to compare cards.com ###-###-#### -scrolled down found CITI DIAMOND PREFERRED CARD 5. called ###-###-#### phone number shown at that site to apply . representative took private information including social security number and before application was completed we were disconnected, called back , .got different representative -could not reconnect me. I have gave personal information and I do not know if this business is real, I was unable to complete the first application and as not going to do a secondDesired Settlement: get a citi diamond preferred credit card

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 switch my credit card recently. citi took away my 900 thank you points.Desired Settlement: I would like them to refund me $9

Business

Response:

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

Consumer

Response:

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

Sincerely,

Review: Almost 2 years a go I missed a monthly payment on my credit card. I called them and set up a payment agreement. After 3 months everything was fixed and I had set up auto pay. I had just found out that For the last 2 years being on auto pay my account was being debited the minimum payment plus 5. I called today to find out why the amount debited differed from the bill and that's what they told me. I never authorized them to continue/begin taking extra. I always wondered why this is the only company that sent in bogus check numbers that don't have a to or from that shows on my account. I want my entire account reviewed and credited. I just realized this today 6/**/15. Think it has been going on for almost 2 years. I haven't used the card in quite a while but my balance sure hasn't gone down even with "extra" they have been taking out. Also no where on my statements does it show this extra coming outDesired Settlement: DesiredSettlementID: Other (requires explanation)

I want my entire account reviewed and verified, account credited for past damages and lawyer fees

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?”Thank you.

Consumer

Response:

What was the resolution? A phone call is not going to cut it! I have reviewed the response made by the business in reference to complaint ID [redacted],

Sincerely,

Review: Credit limit was lowered on card without my notification. I made a purchase $700 over my limit and they allowed it to go through, which lowered fico.

I hadn't used my card ([redacted]) often and the limit was lowered without notification. I made a $3,298.50 purchase on 9/*/14 for kitchen countertops. While in the store the representative called customer service to confirm I got the no interest promotion and to change my last name to my married name. The rep in the store and the one on the phone didn't advise me I was over my limit at that time. On 9/*/14 I called customer service to get my due date so I make my payments on time and the automated system stated I didn't have available credit. I waited to speak to a live rep. At that time the representative advised me my credit limit was only $2500. I asked why I wasn't notified of this and why they allowed a purchase that exceeded my limit by more than $700 to go through. The woman advised it was because I had good credit. I asked if this would affect me negatively and she said "no". [redacted] then sent a derogatory update to my CBR on 9/**/14 (showing on Experian) for exceeding my credit limit. I called customer service on 9/**/14 and spoke to a representative names [redacted] and a [redacted] named [redacted]. Neither were helpful. [redacted] apologized that the employees I spoke with on 9/* and 9/* didn't offer to increase my credit limit to prevent the negative reporting, but said he couldn't do anything. I was proactive in wanting to handle my account correctly, but the lack of knowledge and problem solving from the customer service at [redacted] resulted in negative reporting on my credit. My Experian score dropped from 825 to 790 because of it (this was the alert I received from my identity theft credit monitoring program). This should have been handled differently from the beginning. My card should have been declined when such a large purchase tried to be run and then they should have advised me I needed to apply for a credit limit increase.Desired Settlement: The [redacted] tradeline needs to be corrected and the derogatory comment of being over my limit needs to be deleted since [redacted] failed to educate my that my limit decreased, that I was over my credit limit, or provide me with any soluitions on the 9/* call before it reported to my credit.

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 have responded directly to the customer and they should receive a response within 7-10 business days.

Review: I was lied to by the sales rep at [redacted] on May [redacted]. I was told my account was closed in order to get me to open a new account. I asked multiple times if the new card I would be issued would be a new line of credit and was told no. I was repeatedly told that the closed account would be reopened and a new card would be issued for security purposes. It is my belief that the rep received incentive for opening a new account at the register. Two weeks later my secure credit informed me that a hard inquiry was made on my credit that will be on there for the next 7 years. I called [redacted] credit and they informed me that the account was never closed I. The first place. I then called [redacted] with a representative from their corporate compliance office on the line, after being place in hold for 30 minutes the manger of the store placed the [redacted] corporate compliance rep and I on hold and then proceeded to leave for the day. The level of service is not only completely unacceptable but the lack of accountability is unbelievable. No am disputing the inquiry on my credit report as it is my understanding that it is against the law to make an inquiry without permission and without informing th patron.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want the inquiry which was illegally made on my credit score taken off

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: 50 point deduction on my credit report for a supposed delinquency on an amount less than $200 in the last month (no statement was received)

Apparently in the last 2 months there has been a 'problem' with the email statement program, as I was informed by the customer service agent. Because of this problem, I have not received my last 2 statements from Sears. Without the reminder that I have an amount due, obviously, no payment was made. Once I did receive a notification from the credit card company, I promptly paid more than was required as I typically do. Shortly thereafter the amount was paid in full. However, I am now taking a 50 point hit on my credit report because of the problem stemmed from their "technical matter" on their email program. Because the total amount was less than $150, and I have carried a much higher balance in the past, AND I promptly made a payment when I was notified one was needed, I feel that it is unfair for this agency to report with such significant violence on my credit report for such a miniscule amount. Furthermore, based on my past history, payment records, etc you will see I have always maintained my account in good standing, often paying more than a minimum, or paying off early. For further proof please refer to the remainder of the my credit report history. After patiently going thru the entire automated processes of phone calls, to reach an actual person, I was informed they could not help me, and I would be transferred to a "supervisor". For 5 consecutive phone calls, I was immediately disconnected after the attempted transfer was made. On Phone call 6, after proceeding thru all of the above steps yet again, I finally was able to reach the supposed supervisor. [redacted], from North Carolina, was very informative that there was nothing he would be willing to help with, nor was anyone going to help me. This [redacted], was exceptionally rude, would not provide me with any more than his first name. He did not give me a last name, an employee number, etc with which to identify him by. Not only was his lack of professionalism disgusting, his demeanor on the phone was nothing less than condescending and closed. Not fitting for a customer service person in my opinion. However, the poor choice of employees aside; it seems to me that the business is absolutely negligent in its practices of providing a service to its customer.Desired Settlement: I would like to see the incident removed from my credit report, based on payment history, customer loyalty, and lack of notification on the credit agency to maintain their equipment and services as offered to myself, the customer.

On a side note, "[redacted]" should be fired with the greatest of haste.

Business

Response:

Please forward this to your Sears contact

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:

Frankly, after reading their response, I think I could have my computer generate something similar. I do not believe that they have even reviewed the file thoroughly. Please find attached my email records of everything I have been sent by the Sears Card company for the last 2+ years. I have been signed up for their electronic delivery much longer than the amount stated in their response, had they taken the time to review the file, that would have been evident. While I can understand their standard reply in regards to the credit report portion, they failed to take in to consideration any prior account history or customer loyalty as I had mentioned and requested. Secondly, while "their records" may have shown the email statements sent, "my records" do not. When I did receive any notification from their company (by email, no less) I promptly corrected the issue, which also is evident, as by their October records of my payments. Not once during the previous months (July, August, September) which they state were delinquent, did I receive so much as a phone message stating that there was any problem with the account. If I had, the problem could have been addressed much earlier, before there was any problem at all. Lastly, the entire dispute is over such a miniscule amount on their part, I do not understand why they are not willing to contact the credit reporting agencies and retract their previous report or issue a deletion notice to have the black marks expunged entirely. It is completely within their ability to do so, in the meantime, it is my credit score which is receiving the negative effects.

Nor did they, at any point, address the rudeness with which I was treated by their so-called customer representative during our phone conversation as I had made mention of in my initial complaint. Had they reviewed the file in its entirety, they would see that their customer service supervisor told me that they had a problem sending out emails, and that I was not the only person who had contacted them regarding such an issue. The reply they returned is in direct contradiction to that statement. Therefore, either the office staff or customer service staff is lying, and misrepresenting the information, in my opinion, not an acceptable business practice. I would at least expect some consistency in their rebuttal in any case, along with an apology and attempt to correct the problem.

Again, I ask that THEY (Sears Card by Citibank) be the ones to contact the credit reporting agencies, and remove any detrimental reports on my behalf. The problem extends from actions taken by their company, and when I contacted them, they refused to offer any assistance to me, the customer. I was told point-blank by their supervisor "...no one here is available to help you, and if they were, no one would." Furthermore, while I most certainly intend to request from the credit-reporting agencies an extenuating circumstances explanation statement on my profile, I feel that the company responsible should also make a similar request, at the very minimum. More appropriately it should be removed entirely, as I have requested.

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

Sincerely,

Business

Response:

Dear [redacted]:

We recently received an additional inquiry on your behalf from the Revdex.com of New York regarding the above-referenced Sears Card account, which is issued by Citibank, N.A.

We sincerely regret to hear of the difficulty you experienced when speaking with our Customer Service representative. 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 from our customers. Our representatives are expected to be polite, professional, and courteous in all their contacts with our customers, as the quality of the service we provide our customers is of great importance to us.

We understand your continued concerns with not receiving your billing statements and the reporting of the above-referenced account. Our records reflect you enrolled in electronic billing statements on June **, 2011; however, you enrolled in paperless statements on June *, 2012. "Your Statement Is Ready'' email notifications have been sent successfully, opened, and reviewed to the email address of [redacted]. We regret any miscommunication that you may have received regarding the electronic billing statements.

As previously advised, we are unable to adjust the account status on the above-referenced account or your credit bureau report, as we find it to be valid. We are not required by any law to report accounts or activity to the credit-reporting agencies; however, since we do, we are required to report accurate information based on the Fair Credit Reporting Act (FCRA). You may wish to request the credit-reporting agencies place a consumer statement on your credit profile explaining any extenuating circumstances that may have caused the account to become delinquent

Review: I left [redacted] on January **, 2015 and try numerous times to contact citi bank and have my contact information changed so I could pay them directly and they refused to allow me to change my information until they put the debt on my credit report. They did not mail me any statements or information regarding this until they put it on my credit report. Since they put it on my report, they decided to allow me to update my address with them and then I could start making payments. They should have notified me in writing and allowed me to change my contact information with them before reporting this debt to the credit agency. You can review their records and see once I was able to communicate with them payments have been made and the account will be paid off this week.Desired Settlement: Remove from my credit report since you did NOT contact me prior to this reporting and you would not allow me to update my contact information in your system. You stated only [redacted] could do that. Well [redacted] wouldn't do that as I was no longer employed with them. I had a change of address with the postal service and by the grace of God the post office still delivered the last months statement to me that STILL has the wrong address on it. It is illegal to report to someone's credit with you will not allow them to communicate with you and update my contact info to establish payments.

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: THIS REVIEW IS POSTED ON [redacted]: [redacted]. I just received another harrassing phone call from Citi. Review:

[redacted] partners with Citi on its company credit card. I wouldn't recommend anyone use their credit services.

I paid double my first payment, then was told to wait to get the actual [redacted] card, so I could register online (you cannot register and pay online until you receive the card and can enter the numbers that appear on it). Citi had posted the wrong mailing address - I could not receive even a "snail mail" account statement.

The first Citi agent with whom I spoke was helpful. She changed the incorrect address on file, and told me a payment would not be due until the next month. She acknowledged that Citi has made a mistake and that a new card would be coming in the mail to the correct address (it was just received today). After she and I spoke, however, I received numerous harrassing telephone calls at all hours (several at 8:00 a.m.), and harrassing text messages.

As a lifetime [redacted] customer, I'd say that while I love my [redacted] washer/dryer, I dislike Citi intensely and now have a very negative opinion of them. I would urge [redacted] to sever its ties with Citi and to review the numerous online reviews about other customers who have had negative experiences with Citi. This is not good for business.Desired Settlement: First and foremost, I would like [redacted] to sever its relationships with Citi. Second, I would like for Citi to abide by the course of action outlined by the first agent that contacted me - payment not due in October but rather in mid-November - in accordance with the discovery that it's own records reflected an incorrect mailing address. It has taken almost a month for the issue to be corrected in its own files, for me to receive my new [redacted] card, and for me to make a payment. I am now contacting the police department about the harassment experienced by Citi employees. Keep in mind, this is all over a $25 payment. They have spent more money calling to harass me needlessly than the bill is worth.