Citi

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: Yes, I recently took the time to look over my credit reports and found a few late reported payments from my [redacted] credit card that I have with Citi. Up until now, I wasn't aware of these late payments and I'm still a little shocked by this. I don't recall ever being late with this card and I don't think I ever received any calls in regards to any late status. I hold Citi in very high regards and always recommend them to all my friends. This may be some sort of system glitch.Desired Settlement: I would like Citi to remove these erroneous late payments from all three of the credit bureaus.

Business

Response:

Tell us why here...We have corresponded directly with our customer via U.S. Postal mail. Please allow 5-7 business days for [redacted] to receive and review the response from Citi. If you would like to further discuss the resolution, may I suggest you contact him directly.

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: 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: Yesterday, 6/**/15, myself and my son went to our local store in [redacted] to purchase some outdoor supplies because we typically only use our card during the warm months. Any who, we paid off our card several months ago and haven't used it since. Well, I got in line to pay for my $70 worth of items and was told my account had been closed due to inactivity. Because I paid my card off and it was in good standing, [redacted] decides to just close our credit card? So, I walked outside and called customer service, which told me to go back in to customer service and they could "reactivate" the card. Well, I guess what she meant was "reapply" for a new card... I did that and I was denied. So, we have a card in good standing with [redacted], that was paid off, they closed our account and now are denying us a line of credit due to our credit score?! I cannot express enough how disappointed I am with [redacted]. Since when is it okay to cancel someone's account without even notifying them first?! I sent an email to [redacted] yesterday, 6/**/15, and received a response today, 6/**/15, basically saying the exact same thing and that they would do nothing to resolve the issue.Desired Settlement: DesiredSettlementID: Store Credit

If [redacted] is unwilling to reopen our credit card with the $500 credit limit, then the next best thing would be a store credit or gift card for $500. It's only fair for not notifying us that our account was going to be closed.

Business

Response:

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

Consumer

Response:

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

Since they just mailed the response today, 6/**/15 and said it could take 7-10 days to receive, I cannot reply appropriately until I have received said response in the mail.When I do receive it, I will make known how they responded since they did not say specifically how they are going to handle this case. At this time, I wish for this case to remain OPEN.

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

Sincerely,

Business

Response:

As advised previously, we will no longer respond in regards to this matter. Our final correspondence to [redacted] was mailed July **, 2015.

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 reject this, period. I will no longer do business with Citibank or [redacted].

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

Sincerely,

Review: On 10/**/2014, Citi sent me an email soliciting my use of their [redacted] branded credit card with the following offer--

Use your My [redacted] to make four dining or grocery purchases outside of [redacted] totaling $20 or more between now and December **, 2014. A $20 reward certificate will post in your My [redacted] account. No registration required.

In response to this solicitation, I made the following qualifying purchases--

10/**/[redacted] $45.46

11/**/2014 [redacted] $20.33

11/**/2014 [redacted] $15.61

11/**/2014 [redacted] $10.09

11/**/2014 [redacted] $2.69

... a total of _5_ purchases (of the required 4), and a total spend of $94.18 (of a required $20). On 11/**/2014, I contacted Citi via their Secure Message Center while logged into my account on their website. They sent a canned response indicating that I had to call them. (I guess I'm not sure what a Secure Message Center is for if all they are going to do is tell me to call them. Further, they are always welcome to call me concerning account questions or issues.). I contacted them again via the Secure Message Center on 12/**/2014, asking again that the answer my question. The replied with the identical cut-and-paste canned answer.

I was solicited by them for an offer. I took them up on that offer. They are now obligated to do their part of that offer, which is to send me my award certificate. Further, refusing to answer such a simple question through their Secure Message Center wreaks of very bad customer service. It will likely cost them a customer, and I have also notified [redacted] corporate about my experience, as it may also affect my future electronics purchase decisions-- something I suspect they didn't intend when they partnered with Citi for their credit card program.

I will include all relevant documentation supporting the above statements, including the original solicitation email sent to me, qualifying purchases, and email correspondence in the Secure Message Center.Desired Settlement: In addition to promptly sending the award I earned, it would be appropriate for Citi to offer an honest apology for the poor customer service I've experienced in this matter, and commit to me that it will actively work to improve such interactions with its customers.

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].

Last week, in response to this complaint, I received the $20 credit from the offer, though I was not offered the conciliatory words regarding the poor customer service as I requested in my Revdex.com complaint. Further, the offer email, which is ended with the following (cut and pasted directly from the original email)—This e-mail is sent by Citigroup, Inc.[redacted] and the [redacted] are registered trademarks of [redacted].© 2014 Citibank, N.A.All rights reserved.[redacted] Sent from mail server address-- [redacted]Which is registered as follows— [redacted]

[redacted]… has never been acknowledged by Citi as theirs. They have REPEATEDLY insisted that they did not send the email message (again, which clearly says it came from them), which raises serious concerns as to thesecurity and integrity of their systems that a) they would not know their own marketing content, or b) that someone else is using their name as their own. Either of these two scenarios should be of grave concern for afinancial institution and any of its customers, and especially with so much public concern (and soon-to-be government scrutiny) over security. As of 12/**/2014, I have closed this Citi account and have no plans to do business with them in the future. Sincerely,

Review: I have a promotional deal on my [redacted] card. I have been paying it regularly. [redacted] then sends me a master card and I use it not knowing when I pay my bill that my promotional deal will not be paid first. I feel [redacted] is try to collect the interest back and fraud.Desired Settlement: DesiredSettlementID: Other (requires explanation)

Apply my payments to the promotional deal first since 8/*/14 .

Business

Response:

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

Review: I WAS a happy Citi card customer, even when my account was closed due to delinquency. When I was able, I called and paid the account in full hoping they'd give me another chance. Working in the credit industry, I understand limitations and instances to provide customer service and attempts to protect the interests of the company. The point is, after the balance was paid in december, I called in the see if I could have account reopened, the agent said I'd have to reapply. So after that months go by and I see on my credit report I have a citi balance. I was excited thinking they reconsidered. When I called in March/April and was told there was a balance of $9 on my account for interest. I had wondered why wasn't this added with amount I paid in full in December. I was offered settlement, but opted to pay in full to improve my credit. The agent advised me he could waive the $9 in interest considering what I had gone through with account. The call was terminated, I accounted it for technical fluke, but felt assured that my recorded conversation and talk with agent he'd waive fees and I wouldn't have to be inconvenienced to call AGAIN to get this handled. Unfortunately I am getting calls about my citi balance.Desired Settlement: > [redacted] that was agreed to have been waived previously

> I'd still like an account (<-crazy I know), but I'd like referral to credit product that I may be able to qualify for with my credit not being the best, but certainly not the worse

> And cease calling me regarding a balance that shouldn't have been in the first place.

Business

Response:

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

Review: I purchased a double oven on 06/**/15, I had not purchased a product from [redacted] since I purchased my dishwasher and refrigerator approximately three years ago. I usually pay off my purchases within 60 days. I asked to reopen my account since it was no longer active. The purchased was $2683.32 plus and additional $210.00 when they installed the double oven. When I received my statement, the first payment is $722.02 on a twelve month free interest purchase due to over the credit limit of $682.32. I called ###-###-#### and spoke with [redacted]. I ask why did I have such a low credit limit when my limit was $7,000.00 or $8,000.00 prior. I ask what was the determining factor and I was told by [redacted] that since I had not used my account in two years, my credit limit was reduced to $2,000.00, not even the amount of the purchased, when I spoke to the credit person in the store on the day of purchase, none of this information was given to me so I could have made the decision to make the purchase with [redacted] or go to [redacted] or [redacted] where they had the same oven at the same price. I am very disappointed with this decision and since this is their decision, I will never make another purchase from [redacted] ever. Thank God I am in a position to pay this purchase off and I will let all of my friends know that [redacted] is no longer the company they use to be. Also the Kenmore Elite washer and dryer I was going to purchase will never happened, I will either by Samsung or Maytag from another appliance dealer. Very disappointed customer and my last purchase from [redacted] Product_Or_Service: Double Oven

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

The explanation was definitely not a good credit decision but if that is the decision they want, I am okay with it. I had not used my account with Star Furniture, within 4 or 5 years and it was reopened with the same line of credit, I am sure they may have checked my credit again after so long but that is fine rather than make a decision on the length of time the [redacted] account had been used. Also they opened a [redacted] which I never use The issue was the way my [redacted] credit card was reopened. I purchased a double oven in the [redacted] appliance store in Sugarland Texas store. I purchased the oven on credit, the account was closed due to non activity within two or more years. I spoke with the credit personnel and after asking me some updated questions, she said I have reopened your account and let me speak with the salesperson, [redacted]. The oven was delivered and installed with an additional payment of $370.00 for additional installation that was needed and paid on the same day as installation. A few days later I received the bill and to my amazement, the payment was $722.02 due to the account having an over the line of credit limit. The purchase was $2683.32 and it appears my new line of credit is only $2001.00. This purchase was made with a 12 month no interest plan. I called the Citi credit office to ask why I was given such a low credit limit on the account that was reopened, not even the amount of the purchase. I have been a customer of [redacted] for over 40 years. I spoke to credit representative [redacted] who informed me that since I had not used my account in over two years my credit limit was reduced significantly, which was not told to me at the time of purchased. I paid one half of the purchase on 07/**/15, $1341.66 and I will pay the additional balance in August. I just don't understand why the account was not reopened on my credit worthiness and not a stipulation that the account had no activity within two or more years and if this is the case why wasn't I told this when making the original purchase. I could have made the decision to either make the purchase or go to [redacted] or [redacted] or some other appliance dealer. I do not feel the reason the entire transaction made by Citi bank ([redacted]) is satisfactory. If this is the policy I will no longer make any more purchases from [redacted] appliance store. I wanted to purchase the Kenmore elite washer and dryer, but I will make a decision to purchase another brand. ?

Business

Response:

Tell us why here...We will be corresponding directly with the customer as Citi has not received authorization from the customer to release information to your office.Regards, Kenya B[redacted]

Review: I was promised additional 5000 courtsey miles for the blunder made by customer service which was not issued

1. I called fraud department stating I will make huge purchase giving locations and details

2. Fraud acknowledges and verify information

3. I got to the store and my card denies even after me giving upfront notice

4.I call Fraud again I was on call 58 minutes seriously again pathetic customer servicing

5. Because of the mess up Fraud supervisor awarded me 5000 miles and said it would reflect in my next statement

6.I get a letter saying request denied

7. I called and talked to [redacted] and she denied the request unreal

You guys really unfair

To conclude, Citi has to take ownership of something they promised Please listen to the call I am not lying supervisor promised me 5000 additional miles after promising how can u deny it ?

I know small customers like me does not matter to u guys but I just want to write to corporate

showing my protest and displeasure in the whole way things are handled

I have been on call 58 mins and felt so embarassed at the store

I may not use harsh words in mail here but it is pathetic take ownership of your promise , also listen to the call with fraud supervisor and u will know I am not lyingDesired Settlement: I need 5000 miles promised and some ownership and empathy from citi to their small customers like me, value every customer big or small and own what you promised

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: Selective distribution of payments in order to collect larger deferred interest!

Going through my records I have the following

You must pay your promotional balance of $307.00 in full by 04/**/15 to avoid paying deferred interest charges.

You must pay your promotional balance of $1,553.39 in full by 10/**/15 to avoid paying deferred interest charges.

You must pay your promotional balance of $411.76 in full by 11/**/15 to avoid paying deferred interest charges. The distribution of payments has never been distributed to the larger balance based on purchase date. which means that the interest on smaller amount would be made so the company is allowed to collect larger amounts of deferred interest.Desired Settlement: I want them to distribute the payments by purchase date not by which amount they feel is the correct account. The date of purchase should dictate which account gets paid first.

Business

Response:

Thank you for your communication regarding [redacted]’s My [redacted] account. Due to privacy concerns we are unable to release customer information to the Revdex.com. We have responded directly to [redacted] on July **, 2015 via the [redacted]. The customer should allow 7-10 business days to receive our written response. If the customer would like to share this information they can provide a copy of our response to the you.

Review: We keep getting phone calls from Citi several times a day starting at about 8am. They ask for my father Earl Strang who is in a nursing home right now. We keep telling them that he is in a nursing home, but they keep calling. They won't tell us what it is about.. We keep telling them to stop calling us because it is harassment, but they won't listen.

Now they call and won't tell us who they are but we know from the caller id who they are. How can we get them to stop calling. We are paying payments on that account so there is no conceivable problem for them to call us about.

Please get them to leave us alone/Desired Settlement: No further calls from Citi.

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: Payment in full (cashiers check) for the account end [redacted] was sent prior to the statement date of 4/*/15 in the amount of 3,021.26 which Citi cashed and noted credited as 3/**/15. I included a request for a zero balance letter to be faxed and mailed, which went unanswered/addressed. Instead they sent another statement claiming they were owed additional funds dated as 4/*/15 which was after they received the full payment and after the due date of 4/*/15 they provided.

When I called I got the run around, talking to their recovery office, which claimed the account did have a zero balance but they could not assist and to talk to someone else and this went on for two days. I was finally put through to a person named [redacted] after requesting a supervisor, which the previous rep Aisha stated she was transferring be to. 20 minutes into the conversation with [redacted] it is discoved she is neither a supervisor or a manager, she stated she said she was with the"[redacted]". I stated they had both mislead me to believe I was talking to someone in management and requested her manager, she refused and said they do not take calls but would take my information for a call back. I never received a call back.

[redacted] claimed she would correct the account and write off the remaining balance, which I stated was incorrect, there should be no balance to write off- what they sent notice of to be paid by 4/*/15 was paid in advance of that day so any additional interest charges were in error and they should be removed and should not reflect anymore negatively towards me. When I asked for the letter I had not received via fax or mail, she stated they would not fax a letter and I would have to wait for their system error another WEEK to get the letter I needed. I again asked for someone else who could help me resolve the issue and she refused and said I could have my mortgage company call and verify there is a zero balance. I advised her again I needed the letter and she basically said there was nothing she could do.

I've had problems with this company, their representatives in the handling of my account numerous times and filed complaints that were responded to in a rude, condesending way and Citi had taken no accountability for their mistakes in all of this. I am amazed how they are able to get away with what they do; deceptive and terrible business practices and service.Desired Settlement: From CITI - A zero balance letter as requested stating the account IS paid in full, no balance owing and an immediate update to the credit bureaus to reflect this as well.

Revdex.com and CFPB Some to actually investigate and AUDIT them for deceptive practices. CPFB seems to be auditing every other creditor lately WHY are they off the hook!

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: Back in June a levi was put on my account which I requested to be a payee account for ssi which is what the account to my dismay was not set up as so the bank realized the mistake after the branch refused to fix it and remove it had to close my account and reopen it with the same account number. Due to that mistake which almost put my family on the streets if I hadn't stopped the ssi money from being sent. But I have a thank you points account attached to my banking account which allows me to earn points every month that I save for gitft cards. But there mistake madde me lose the points which I had to wait over two months to be fixed and was offered 5000 courtesy points for the inconvenience which I have not received so I have sent several emails about when I would get my points I lost fixed which they were but the courtesy points were not put so I have messaged them about them I was told they would be credited no later than 10/** which was yesterday they were not and the message sent said to contact them so I did now they tell me there's no record of it and refuse to help me and said they will inquire about them from thank you they said they don't have knowledge of them either but I told citi that it was there mistake not thank you they don't give points citibank does. reference number [redacted] was sent 9/** stating that I would receive 5000 thank you points for the inconvenience. reference number [redacted] was sent 10/* that they would be credited no later than 10/** I have saved messages on my account and they say they don't see it and can't help me. I have been a loyal customer for over 2 years and have been treated with such disrespect and just upset that they made a mistake and can't fix it I think 5000 for this inconvenience is a little cheap for what my family has gone withDesired Settlement: I would like more than 5000 points credit for the more than inconvenience this has caused on my family the mistake almost made us homeless and lose of thank you points which I was saving for my sons birthday he is [redacted] and [redacted] he turned 11 on the [redacted] and has not had a birthday yet because the bank made the mistake that cause all this the points would of gotten him a present which he has to wait for now longer because the bank refuses to admit their mistake and fix it and offers a measly 5000 for months of waiting for the inconvenience they cause on us

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved. The bank realized the mistake and credit my account and thanked me for loyal service with them and apologized more than I asked for was resolved.

Sincerely,

Review: I recently found out [redacted] have been charging me a enhanced debt protection fee on a monthly bill dating back to 01/**/2010 which I was totally unaware of. I have just paid my bill what ever the amount was innocently every month. I eventually noticed this charge and called [redacted] because I really didn't know what it was for. I did not sign up for a protection plan and they gave me another number to call which I did and explained what is going on with this unauthorized charge on my credit card they said they would review it and I got a letter that they had cancelled this and credited me a 13.45 refund plus any interest charged to this unauthorized fee. Im very annoyed and feel ripped off as this as been going on for four plus years not fair. Please help me. Thank you

Order_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I would like my money back that they took over the years and atleast bring some kind of awareness to the general public on these issues

Business

Response:

We have responded directly to our customer regarding the resolution. If you would like to discuss the resolution, you may contact our customer directly.

Consumer

Response:

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

Sincerely,

Review: I was led to believe that I was signing up for a "Pro Rewards" account to keep track of purchases and provide relevant discounts. In fact, I was misled into signing up for a Contractor's Net-30 Charge Account in addition to the Pro Rewards account. At no time did I ask to be signed up for a charge account of any kind. Despite raising objections to the information being asked of me, I was assured by the employee processing the information that I was only signing up for the "Pro Rewards" account. As a result of this fraudulent account, my credit score has been negatively affected. I contacted Home Depot's customer service department to see if they could contact the credit reporting agencies and reverse the damage they had done. I was informed they couldn't/wouldn't. After some research, I determined that the only way to rectify the damage that was done by Home Depot to my credit score was to reduce my debt-to-credit ratio by a determined amount. I relayed this information on to the customer service department. Roughly a week later, I was informed by Home Depot that they would not be repairing the damage they had done to my credit score when they opened the fraudulent account.

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

It was determined that reducing my debt-to-credit ratio by $8029 would restore my credit score to within a few points of where it was before Home Depot damaged it; a level to which I would be satisfied. I was informed by Home Depot's customer service department that they would not be repairing the damage they had caused. I am requesting The Home Depot compensate me $8029.00 so I may reduce my debt-to-credit ration thereby reversing the damage

Business

Response:

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

Review: Citi has been using my credit card information on my son's credit report. He pulled his credit to purchase a home and found out my citi account # as being reported under his name. He has never been on any of my accounts and neither has my husband who is [redacted] and my son is [redacted] with a different social security number. I called citi and told them to send me a letter stating my son is and never has been on my account and neither is my husband. When my son pulled is report the bank went over the information with him and told him my balance the payment amount due and that I had never been late on my payments.Desired Settlement: prevent this from ever going on my sons credit so he does not have to worry about my stuff coming up on his credit report

Business

Response:

Dear [redacted]:

This letter is in response to [redacted]'s recent inquiry related to the Citi account appearing on her son's credit bureau report.

I spoke with [redacted] on September *, 2013 to confirm her account had [redacted]'s name listed as an authorized user, which was removed

on June **, 2013. Iadvised her that we provide the names of all authorized users of the account when reporting accounts

to the consumer reporting agencies. Because [redacted]'s name was listed as an authorized user and he is not contractually liable for the account, we requested that the consumer reporting agencies remove the account from his credit profile.

Should you have any additional questions regarding this matter, please contact me at the above address.

Business

Response:

This letter is in response to [redacted] recent inquiry related related to the citi account appearing on her son's credit bureau report.

I spoke with [redacted] on September *, 2013 to confirm her account had [redacted] name listed as an authorized user, which was removed on June **, 2013. I advised her that we provide the names of all authorized users of the account when reporting accounts to the consumer reporting agencies. Because [redacted] name was listed as an authorized user and he is not contractually liable for the account, we requested that the consumer reporting agencies remove the account from his credit profile.

Should you have any additional questions regarding this matter, Please contact me at the above address.

Consumer

Response:

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

Citi response was not accurate Machelle stated that I said [redacted] was on my account and he was not contractually obligated on this account. As I tried to explain to her my son vernon [redacted] was never on my accounts that my husband vernon [redacted] may have been listed as spouse however he never was authorized on my account and has never used my card. They said they never had any social security number on my account except mine, so i'm not sure how it was ever reported on my sons credit report. They even gave my daughter in law and my son all my information like my balance on my account, that I had never been late on a payment and that I have had my card since 2000 and something

Sincerely,

Review: [redacted] has been charging me monthly for 5 years for I think they said balance protection. I never took note of it until recently. When contacted them to find out who authorized the charge they told me they would get back after researching. The finally came back and offer me one month courtesy credit with still no explanation. I've been trying to get back in touch with them for several months now but each time I select customer service on the credit card phone #, the call gets disconnected.Desired Settlement: DesiredSettlementID: Billing Adjustment

I want my account to be credited for the 4 to 5 years I've been charged the average $10 per month or proof showing that I elected this service.

Business

Response:

Tell us why here...We have corresponded directly with our customer via [redacted] mail. Please allow 5-7 business days for [redacted] to receive and review the response from Citi.

Review: I was mislead to hire [redacted] to install my fence with their 24 month promotion.

In May of 2013 I recently purchased a home and was seeking to install a fence. I visited my local [redacted] to purchase miscellaneous items, and was talked to by an in-store salesman. During this conversation and subsequent conversations, I was advised that any payments made would go towards the promotional balance, and that interest would accumulate against my non-promotional purchases. With this understanding, I signed the agreement and they proceeded with the work.

The fence install was plagued with problems that are well documented; [redacted] did their best to help, but would only go so far to rectify the problems. It took multiple complaints before all issues were finally resolved.

I am now nearing the end of my promotional period, and I recognized that I wasn't able to pay off the entire balance of over $3,200. However that being said, I had kept track of how much my monthly payments were to [redacted], and they added up to over $2400 in a 22 month period of time. Much to my surprise when I read the fine print on my statement today my promotional balance was still the same amount as originally stated.

I contacted [redacted] card services and I was told that I was responsible for not listening to what they (the salesman both in-store and on-site) sold me with the promotion, but to read the full credit disclosure and that my payments have been simply applied to my "balance", not the promotional amount due. I then asked what happens to my interest as of June 2015 and I was told that it all gets added on to my [redacted] card, and that I would be over my limit. When I originally made this purchase my limit was $16,000 and has been subsequently cut down to be just above my current balance - meaning this will place me in an even worse financial situation. I was also told that all amounts I made over the minimum payment wouldn't have gone to my promotional balance because "I would have been responsible for calling each month and making that request". This is a horrible business practice. It basically means that if I as a consumer had any previous balance or balance after the large promotional purchase, there is zero chance the balance would get paid off because there is no viable way to even pay the promotional balance - even by making payments of amounts greater than the minimum. I was lied to for the sake of a sale.

I do recognize that even with all payments made over the course of the last 2 years that I would have some balance left and that some of the promotional balance would be subject to interest fees and I am willing to accept that, but not the entire amount.Desired Settlement: I am asking for [redacted] to apply the payments, as promised, from 6-*-2013 until 4-*-2015 to the promotional balance and not the "aggregate" balance. I was mislead to believe this was standard practice.

I went through hell and back with this fence installation, and it was never truly a project anyone could have been proud of. I have been a loyal [redacted] customer for years and have spent thousands of dollars and have an excellent payment history with the company - always meeting my obli

Business

Response:

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

Review: Services for Window and Siding installation were offered with 12 months, no interest financing if paid in full within 12 month for purchase of $5,000 or more. The special financing was offered from 8[redacted]/14 to 8/**/14 and I signed my contract on 8/**/14.Purchase price on my contract was $6871.74 and I opened a [redacted] Credit Card for the special financing. When the credit card bills arrived the terms were for only 6 months of 0% financing instead of 12 months. Called the credit card company and they said all [redacted] needed to do was turn in the coupon for the 12 month financing and they would correct it. Called the At-Home Services project number during December. Was passed over to the [redacted] voice mail and left a message. Message was never returned. Called my salesman on Jan **, 2015 and spoke with him. He said they do not keep credit card account numbers so I gave him the number to correct the financing. I called again on Feb **, 2015 to follow up to see if it had been done. I left a voice mail this time and asked for an update. Never received a returned call and the financing was never fixed. The only reason I signed contract when I did and opened a ** credit card was to receive the special financing.

Product_Or_Service: windows and siding

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

I want the financing corrected to 12 months instead of 6 months so that I do not have to pay the interest. I planned all payments for a 12 month period, not 6 so I would not have to pay the extra interest.

Business

Response:

We responded to the customer on 4/**/15. The customer should allow 7-10 days to receive our written response. If the customer would like to share this information, they can provide a copy of our response to your office.