Citi

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: Around July/August 2014 I signed up for a citibank credit card. A few weeks after receiving the card I attempted to sign up for an online account to manage payments. However, every time I tried to sign up I received an error message. In September 2014 I received a call from a Citibank customer service agent (they had not made any prior attempts to contact me) who informed me that my account was past due. I explained that I had not received any billing statements in the mail or through email and also explained the problem I experienced when trying to register for an account. The agent was very friendly and I was able to make a payment over the phone immediately to pay the balance in full and bring my account up to date. At this point, I had not made any purchases with the credit card because I had been unable to register for an online account. The entire balance was for the annual fee, if I had received notice that this payment was due I would have paid it immediately as I do with all of my credit cards. The agent seemed to understand my situation and promised that this would not show up on my credit report.

This event never showed up on my credit report until September 2015. In late August I decided to close out my citibank account because I was not using it. I believe that this was reported in retaliation for me deciding to close my account (nothing else makes sense since it did not show up for an entire year and within one month of closing it is now popping on my report.) This event has resulted in my credit score going down by close to 100 points. If I had received any sort of notice or bill I would have never had a "late payment." In addition, I was also promised by the citibank customer service representative that this would not be reported since I did not receive a billing notice.Desired Settlement: I want this reporting of "30 days late payment" removed from my credit report on all three credit report agencies.

Business

Response:

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

Consumer

Response:

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

Business has not made any attempts to contact me to the best of my knowledge. There was no contact info listed in their response for me to contact them. Unsure how to proceed.

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

Sincerely,

Business

Response:

We

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

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

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: [redacted]

Chief Executive Officer

Citigroup

7[redacted]

Sunday, January **, 2016

Ref A Advantage Citi card ending [redacted]; [redacted] / [redacted]

Dear [redacted],

To avoid expiration of above card during forthcoming business trips to Puerto Rico and The Bahamas before card expiration date, I took the precaution of calling Citi's 888 #.

Explaining intended travel dates and destinations, I noted the expiration date, March ** 2016 would occur while I was in the Bahamas, March [redacted] suggesting a renewal card, - this was agreed by Citi representative.

Over the next 24 hours we received urgent calls from Citi Fraud Division. Speaking with representatives, explaining our recent call to Citi we were assured all was well. No explanation as to said urgent calls.

Yesterday attempting to use my card at a restaurant I was informed my card denied - in front of my guests. Later, a time sensitive purchase on eBay was abandoned as card on record would be denied.

Today I spoke with a Citi representative who account had been closed; new cards allegedly sent to our mailing address. Speaking next with a superior, “Angela” in Maryland, despite explaining recent actions, that above account is tied to [redacted] and other banking needs, unsympathetically “Angela” coldly advised nothing could be done, offering a paltry 5000 Award Miles as compensation.

(“Angela” provided wrong address for CEO [redacted] as Sioux Falls SD, in fact New York NY)

We have expended several hours in telephone calls - 6 to date- to Citi, left embarrassed and insulted as our card was refused. We anticipate untold time, and inconvenience, contacting and advising vendors of new card number - if and when they arrive.

I suggest professional staff training is called for to prevent such unnecessary emotional stress, acute frustration and monetary loss.

Sincerely,

UPDATE

Wednesday, January **, 2016

New card ending in number [redacted] activated this date, SIX days, whilst we were denied account access.

Expiration date on new card March ** 2016 – is the very date we had requested avoidance of conflict and access - hence this time consuming episode proved a complete waste of time, inconvenience and utmost stress.

Compensation commensurate for injury to reputation, additional time to advise vendors and banks of new card #, loss of Citi card services for six days is hereby requested.

[redacted].Desired Settlement: Compensation comensurate shoddy servcies

Consumer

Response:

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

Sincerely,

Review: My issue started last year when I made made very large travel purchases on my Citibank Dividend World Mastercard to accumulate rewards cashback. The terms clearly state you can accumulate a max of $300 rewards per year. Well I made enough purchases to accumulate much more but when I received my statement, I accumulated only $299. Since I am only allowed to withdraw rewards in $50 increments, I called to ask why it was 299 and not 300 as it should have been. Customer service said I was correct and that they would credit my account the extra $1 and to wait until the next statement to see it. The next month, it was still not fixed, called again, and was told that I would have to wait until the Jan [redacted] (the next calendar year) and it would appear. Well I waited and it still wasn't there, so now I had withdrawn $250 of the $299 rewards but $49 cashback rewards still remained on my account. I was sick of calling all the time to get this fixed so I decided to wait until I earned another $1 myself. I wasn't using the card until I found something I wanted to buy, today I did, so I logged in to use the citibank rewards shopping and on my account I see that $42.90 has been debited from my account and only $6.10 remains from the $49. I called to question what had happened and was told it was taken away because of inactivity. I said it was inactive because I couldnt earn any more cashback and I was waiting until I could and explained the whole situation on the phone. I was told there is nothing they could do. They said this is stated in my statement but I have no statements because I am paperless and of the inactivity. I am outraged at the service I had received over the last year and the incompetence to fix the issue. It just got worse. At a customer since 2006 I would have expected a little more support.Desired Settlement: I just want the $50 cashback that I ALREADY EARNED back.

Business

Response:

Citi® Dividend World MasterCard® Account ending in [redacted]

Dear [redacted]:

We recently received an inquiry on your behalf from the Revdex.com regarding the Dividend Dollars earned on the above-referenced account.

Our records reflect that in 2012, you earned the following Dividend Dollars:

We respectfully decline your request to reinstate the expired Dividend Dollars. When you redeemed 300.00 Dividend Dollars in March 2012, 299.00 of it was from 2011 and 1.00 was from 2012. This left 299.00 remaining Dividend Dollars in 2012. In August 2012, you redeemed 250.00 Dividend Dollars, leaving 49.00 Dividend Dollars available. According to the terms of your account, Dividend Dollars will expire twelve months from the month they were earned if there were no qualifying purchases during that twelve-month period. Since you had no purchases from July 2012 through June 2013, 42.90 in Dividend Dollars expired. Your new Dividend Dollar year began January 2013.

I certainly regret the misunderstanding that occurred as a result of you conversation with our Customer Service area regarding this matter. 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. As the quality of the service we provide our customers is of great importance to us, I have forwarded your comments to management for review.

I appreciate this opportunity to respond to your inquiry.

Sincerely,

Presidential Communications

Review: I called my credit union about a $20 dollar amount that overdrew my personal account. My credit union told me who it was and I informed them of unauthorized pulling of funds. I called Citi Bank to find out who and why is doing this. The Citi Bank supervisor argued about the claims and told me it was collections. (I asked why I am not behind in any payments and did not authorize this $20) [redacted] in collections didn't know anything about the unauthorized $20 charges but says he will refund a authorized bill that was paid July ** I don't know if this will happen again again or to other peopleDesired Settlement: Since Citi Bank thinks this is funny They can just pay my cards off with no repercussions towards me. why is it that Big company's get away with this kinda behavior? My credit union is out money and am filing a report with them.every time I call Citi Bank I get a totally different location

Business

Response:

Dear [redacted]:

We recently received an inquiry on your behalf from the New York Revdex.com regarding the recurring payments made to the above-referenced accounts.

We respectfully decline your request to remove the balances on your accounts. On April **, 2013, you spoke with our Collections area and you agreed to have recurring monthly payments set up on your accounts. This agreement authorized us to debit your checking account each month for the minimum payments due.

As of August **, 2013, the recurring payments on your account ending in [redacted] were cancelled. On September *, 2013, the recurring payments on your account ending in [redacted] were cancelled as a result of your inquiry. Going forward, in order to properly maintain your account, a payment of at least the minimum payment due needs to be received before the due date indicate on your monthly statement.

I appreciate the opportunity to respond to your inquiry.

Sincerely,

Presidential Communications

Consumer

Response:

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

I recieved a letter from Citi Bank and know where does it say the date I had I had called them to cancel my auto_whithdrawls. It does say when I authorized them to take authorized funds to help me get caugjht up on my bill. ( Citi Bank does tell you you that you are being recorded for quality service...). Also that now they are telling me that I must send money order because of me having insufficiant funds....(Thats why I called to cancel auto pyments) in the first place. Why would I authorize a draft payment from my debit card if I didnt have the funds. As I stated in my initial complaint I can send a statement to you with overdraft fees taken by Citi Bank they are ignoring my reasoning of taking UNAUTHORIZED FUNDS

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 inquiry on your behalf from the New York Revdex.com regarding your continued concerns with the recurring payments made to the above-referenced accounts.

We previously informed you that on April **, 2013, you spoke with our Collections area and agreed to have recurring monthly payments set up on your accounts. This agreement authorized us to debit your checking account each month for the minimum payments due. Our records do not reflect a request to cancel the recurring payments until August **, 2013 for your account ending in [redacted] and September *, 2013 for your account ending in [redacted]. Going forward, in order to properly maintain your account, a payment of at least the minimum payment due needs to be received before the due date printed on your monthly statement. Since you enrolled in the recurring payments, we respectfully decline to credit any fees you incurred because of the returned payments.

As a result of the returned payments, you are unable to process payments by phone or online for 30 days after the last returned payment. Since the last returned payment was August **, 2013, payments can again be made by phone or online. I appreciate the opportunity to respond to your inquiry.

Sincerely,

Presidential Communications

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: The amount that has been recorded on my credit report is inaccurate as well as derogatory. This account should not be reflecting on all credit reports. I am requesting that this derogatory information be removed from my credit report.Desired Settlement: Removal of derogatory information off of credit report

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 Goodyear credit card.

We have completed our investigation into [redacted]'s Goodyear credit account and our records reflect her account charged off for non-payment in July 2009. We have since sold her account to Encore Midland. Because we no longer own the account, [redacted] must contact the new owner regarding any questions or concerns she may have regarding this account. Encore Midland can be reached at ###-###-####.

We have reviewed your request to remove this account from your credit file with the credit reporting agencies. As a customer accommodation, we agree to send an update to the credit reporting agencies, Experian, Equifax and TransUnion, requesting the. deletion of the Citibank tradeline from your credit report. Please allow 4-6 weeks for the individuai agencies to update their files.

We appreciate the opportunity to address your concerns.

Sincerely,

Review: Please see attachedDesired Settlement: Please see attached

Review: 8-**-14 I made a payment of 310.00 to citibank.the card was 122.00 overplus a late fee of 25.00 which should have left me with 163.00 available credit.citibank released only 23.00.I spoke with a citibank [redacted] 3 times regarding this matter,while I was at work! one instance was 15 minutes! nothing has been resolved! this is the 3rd time this company has done this.last christmas they did this and the amount I should have had on my cardwas 150.00! but they neatly explained it away.Desired Settlement: 290.00

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: 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: Identity Theft and Fraud

Dear Revdex.com,

I was the victim of identity theft in August 2014. I filed a police report with [redacted] PD. Afterwards, also in August, someone went into the [redacted] store and bought various items using my identity. I was notified via email of the purchases. I called the [redacted] and spoke with the [redacted], who stated he would also notify the other [redacted] there [redacted]. I told [redacted] what happened. I had the date/time/terminal # that these items were purchased. I told him in advance so he can have the video tape ready so when I update my police report the police could obtain the recordings. After that I spoke with [redacted] Fraud department and cancelled that account and they stated they would send me a new card. They also stated that I would NOT be responsible for those charges since I never went to the store nor did I authorize those charges. A week later, my new card came in the mail. I still have the card and never used it. Then, additional charges were on my new card. I called [redacted] again, they said, all anyone needs is my social security number and they can use my account. I told them to put a Fraud Alert on my account since I had a zero balance and have not used it. They also stated that I would NOT be responsible for those charges either. Now I received a letter from [redacted] stating that "I am responsible for the charges, and that they would post those charges back to my account and I have to pay for them."

I called again today and no one was available to speak with. I have records of dates/times/phone conversations of every time I have been in contact with a [redacted] representative which I am more than willing to share with the Revdex.com.

I tried to resolve this issue on my own, but now feel I need help from other sources.

Thank you for your time.Desired Settlement: I want both of my accounts cancelled with a zero balance as it was before this issue ever began. And for all the time and effort I have put in this matter would like some sort of reasonable compensation.

Business

Response:

Thank you for your communication regarding [redacted]’s My [redacted] accounts. 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: I have sent numerous letters and filed a complaint with the [redacted] regarding [redacted] and their non-compliance of Consent Order File No. [redacted]. The order pertains to Account Protection products, which they sold, and I purchased. I bought this coverage when I opened my account to protect me in case I became unemployed so the payments would continue to be made. That did indeed happen, I was unemployed for approximately 6 months. [redacted] did NOT make the required payments from my account protection product that they were supposed to. and they reported 4 months late on all of my credit reports.

The order specifically states:

The [redacted] RESTITUTION AND REMEDIATION Order States: 22. With respect to any Eligible Cardmember's account that receives Remediation as a credit that decreases the existing balance or charged-off balance, the Bank shall as permitted by law and in accordance with existing procedures: a. report the updated balance to each credit reporting agency to which the Bank had previously furnished balance information for the account; b. delete the account trade line at each credit reporting agency to which the Bank had previously furnished balance information for the account; or c. in the case of an account being sold to an an unaffiliated third party, request that such third party owner of the debt report the updated balance to, or delete the account trade line at, each credit reporting agency to which the Bank or the third party owner of the debt had previously furnished balance information for the account. Not only did I not receive my refund they were required to send, they have not removed the late fees.

Their response to my [redacted] complaint was this:

Explanation of closure "A response is being sent to advise that, in an effort to assist [redacted] with this matter, we have returned the account to Citi, adjusted the balance to zero and sent a request to the credit reporting agencies to delete the Citibank trade line for the account from his credit profile. Relief We have adjusted the account balance to zero. $ 403.21"

This is not an adequate restitution for me. I want all 4 late payments removed from my consumer credit reports. This is SERIOUSLY affecting my ability to obtain the best interest rates on loan products.Desired Settlement: [redacted] needs to delete all 4 late payments they are reporting on my credit reports. The account number shown is [redacted]''''. I have tried NUMEROUS times to get this issue taken care of, they continue to ignore any and all requests to comply with the consent order that they were legally required to do so. Thank you for any assistance with this ongoing problem.

Business

Response:

We have determined this was sent to the incorrect company, please re-direct to Citibank.

Thanks

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 [redacted] within the next 7-10 business days.

Thank you,

Review: Charging late fee. After we paid the bill early!

Product_Or_Service: Dishwasher

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

Remove late fee asap!!!!! Due again 12/*/14. You are screwing with my husbands credit!!!!!!!!!!! I will pay. We want refund as well

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: They had the wrong billing address. My payments were late due to their error and now they are charging interest.

I bought about $5000 worth of furniture from [redacted] at [redacted] in September. In order to get 24 months free interest they signed me up with [redacted]/Citi Bank for a line of credit. They did not enter the billing information correctly. I waited and waited for a bill, never got one and finally called [redacted]/Citi Bank to find out what was going on. By this time they had charged a $25 late fee to my account as well as charging interest. For the last three weeks I called [redacted]/Citi Bank to get the issue corrected. They told me [redacted] had to give them a promo code. I contaced [redacted] and they said I had to take it up with [redacted]/Citi Bank. I have gotten the run around between these two companies for the last three weeks with no success. I am still dealing with this issue. I am extremely upset with the lack of customer service from both [redacted] and [redacted]/Citi Bank. I am concerned about my credit because I cannot afford to pay the exhorbitant interest rates charged by [redacted]/Citi Bank. I have gone in person to the [redacted] location and no one is willing to help. Both companies continue to blame the other and refuse to take care of this.

I want a discount on my total purchase and I want my line of credit to have the 24 months no interest as promised.Desired Settlement: I want a discount on my purchase and no interest charged.

Business

Response:

Tell us why here...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: MY NAME IS [redacted] . I HAVE A SEAR CREDIT CARD , WHICH I USED IN NOV.2014 FOR AMOUNT OF $ 211.99,BUT I MADE PAYMENT OF THIS CREDIT CARD ON DEC.**,2014. STATEMENT OF THIS CREDIT CUT OFF ON DEC.24,2014. THERE WAS NO BALANCE AT TIME OF STATEMENT. I DID NOT RECEIVE ANY STATEMENT OF CREDIT AS OF JAN.10,2015. I MADE SEVERAL REQUEST BY CALLING CUSTOMER SERVICE BUT NO OUT COME. THEIR CUSTOMER SERVICE IS VERY BAD. ALSO , I ASKED ABOUT MY BONUS OF $ 50.00 TO THEIR CUSTOMER SERVICE, THEY DO NOT KNOW ANYTHING ABOUT BONUS. AS FAR AS BONUS IS CONCERN ,THEY SENT ME A LETTER IN OCT.2014 STATING THAT IF I WILL MAKE A PURCHASE OF $ 200.00 OR MORE ON SINGLE TICKET BETWEEN NOV *,014 TO DEC.**,2014, THEY WILL GIVE ME BONUS. I AM VERY FRUSTRATED OUT THIS CREDIT CARD. THEY ARE NOT CO-OPERATIVE.THIS SEEM LIKE A FRAUD ALTOGETHERDesired Settlement: DesiredSettlementID: Other (requires explanation)

I SHOULD GET MY PAPER STATEMENT & BONUS OF $50.00 AS SOON AS POSSIBLE.

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.

Review: I received a call from Citibank in August of 2014 in which I was informed of a delinquent charge on my [redacted] credit card. I hadn't used the card in about 5 months and received no email notification from Citibank that I had a balance due. The call was an automated call that did not inform me of the calling parties origin. After receiving this automated call for 2 months, I finally received a call that told me the company's name in September of 2014. I immediately called Citibank and was informed I had a balance due because of an annual fee. I explained to the representative that I had not been receiving any emails to inform me of the late fees or the annual fees for the card. They credited a portion of the late fees and I agreed to pay the annual fee and requested the account be closed. About 30 days after I had closed the account, I began to receive the automated phone calls again. Today the [redacted] of February I recieved a call which informed me it was Citibank once again. I immediately called back and was told by the representative that I had a balance due and had incurred late fees as a result. I tried to explain that I had already closed this account and paid the balance due and they admitted they had record of that transaction. They continued to insist I owed them additional monies for late fees and charges that they could not explain or justify.Desired Settlement: I want Citibank to send me a detailed report of any contract I signed, the date and origin of any charges I made, and an explanation as to why they continue to harass me daily by putting my phone number in an automated calling system that leaves no explanation of who is calling or what the issue is. I want my account closed with Citibank and any negative effects to my credit score, history, or availability mitigated and resolved. I paid the bill in September of 2014. The debt was resolved.

Business

Response:

Thank you for your communication regarding the customer's [redacted] 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 have determined that my complaint has NOT been resolved because:

[Your Answer Here]

I have not been contacted by [redacted], CitiGroup, credit Card services. However they continue to harass me by assigning my Home telephone number to an automated system that dials my home 5-7 times a week, leaves an automated message, and even in the event I'm here and do answer the phone, the automated message plays with no human interaction. When I attempt to return the number left by the automated message, the phone disconnects me and goes dead. Nothing has been resolved, and this is bordering on outright mental harassment.

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. 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.

Review: Signed up for promotional interest free financing. Paid amount requested to be paid by promotion deadline. Rec'd $644 in interest charges on the "o% interest" promotions because I didn't call down every month to instruct the company where to allocate the extra finances. Spoke with 3 people including a [redacted] from 1800 number who refused to help this situation out. Finally [redacted] agreed to remove finance charges if I paid the entire balance due (that I already paid by the way) in 6 days! [redacted] from team [redacted] stated that he gets at least 1 call about this a week. I will be shutting this card down and no longer using [redacted] because of the horrible way you do business.Desired Settlement: DesiredSettlementID: Refund

I would like these interest charges reversed.

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: Confusion of billing and credit billing

I was sent a letter from [redacted] stating that I had a credit balance on my [redacted] credit card. So I purchased an amount equal to the credit balance and I was sent a bill from [redacted] for that amount. I called and asked why and was told that [redacted] had send me a check for the credit amount. I asked for a copy of the cashed check. By the time I got the copy and got straight with the billing, I was be billed for late fees. I should not have to pay any late fees or penalty.Desired Settlement: I want to pay just the original charge.

Business

Response:

We have corresponded directly with our customer. They should receive our response within approximately 7-10 days. If you would like to further discuss the resolution, may I suggest you contact him/her directly?

Review: I applied for the Citi Diamond Preferred Card. The application that I received in the mail stated that there is zero interest for 21 months, after that your interest rate will be based on your credit worthiness. The interest rate scale that was disclosed in the application was at the lowest end 11% and at the highest end of 17.99. When I applied, my credit score was 745 which would qualify me for the lowest interest rate. When I got the approval, I was shocked to see that it defaulted to the highest interest rate of 17.99 after the promotion ends.

I just applied for a Credit Card today and received the lowest interest rate, based on my credit score. I feel that the application was deceitful and that Citi has no intention on approving applications with good credit for lower interest rates. It seems to always default to the highest number, every time.

I called in today on 5/** and was transferred to an "account manager" and he was very rude. He was stating that he knew nothing about what I had told him. He should know the products, that's his job. What a pitiful excuse. He wanted to transfer me to applications and I said I wasn't interested in being transferred elsewhere, after already talking with 2 people at Citi and still getting no where. I told him I would file a complaint, if he didn't even know what his company is offering to people.Desired Settlement: I want to get the lowest interest rate because my credit is excellent and I qualify for a better interest rate.

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 was a victim of identity theft with all my current credit cards and bank accounts. My birth certificate, social security card, and license was stolen from me. I know have to permanent place to live, and through out all of this mess every credit card I reported this too was extremely hel;pful and stood firm to their 100% Fraud Libility Ac.t But Citicards is trying to hold me responsible for over $1500.00 in cash advance charges & transactions that I did not complete. They are trying to say my signature that I faxed over to prove who I was matched to the signature with the cash advance, well of course it would, because my social security card, my license was stolen, and they all have my signature on it!!!! Now they have closed my account out, which I have been a good customer on time every month since 2009. This is wrong and I want my money back!! Please help!Desired Settlement: To receive all my monies back to the account, and have it reopened.

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.