Citi

Review: I have contact CITICard to settle a debt with there in-house collection department. I settled the debt on 4/**/15 and made the payment arrangement that same time over the phone. I asked to have a letter sent to me that the payment has been paid and was told by the representative to call back in 14-days to request this letter. I called back on 5/*/15 and requested the payment letter to be sent and was assured it would arrive to me within 7-10 working days. The letter never arrived so I called back on 6/**/15 to once again request the letter to be sent to me. After speaking with this representative it was told that the account has actually settled to a zero balance and instead of a payment letter they would send a zero balance letter and it should arrive within 7-10 working days. On 7/*/15 the mail didn't deliver the letter as aspected so I called once again to find out were the letter is. I was hung up on when I requested to speak with the first representatives supervisor I was put on a hold than picked back up and was told they don't have one to call back. I asked if I could just hold because I have been dealing with this issue going on three months and was told that is not an option than was hung up on. I called back to the collection department and received a different representative that told me he saw the request made on 6/**/15 and all the others and it was processed on 6/**/15 and was finally placed in the mail on 6/**/15. I was told not to worry your credit will be taken care of but at there connivance. I was told on this call that it is company policy to take 51 days to clear a settlement account before any actions will be taken to the credit companies. When I asked to have a copy of this policy mailed or emailed to me I was rejected stating we have no written policy on file.Desired Settlement: I want the letter sent to me and have the credit report cleaned in a timely matter. I have cleaned five accounts on the same day and this is the only account left negative on my credit and is affecting a time sensitive mortgage.

Business

Response:

We have sent a response via mail directly to the customer on July **, 2015. If the customer would like to share this information they can provide a copy of our response to the Revdex.com.

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: 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: 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: I was never informed about my promotional deadline on my monthly statement until it had ended. This has led me to receive a 362 dollars interest charged on my [redacted] account ending in [redacted]. My statement account balance became 781 as a result of the 362 interest charged. I was told that if I can pay my account balance off ([redacted]) that the interest will be waived and the account will be closed out. In numerous attempt to pay my account, I called on January [redacted] to make a payment over the phone which was a holiday and the office was closed so I wasn't able to speak to a representative. I then had to go down to [redacted] located in downtown Charlotte (Metropolitan) to try to pay off my bill. I was later informed that they wasn't able to received a payment on my behalf due to a written statement made on my account. The statement stated that in order for me to pay off my bill I will have to call over the phone to speak to an associate. The next day (January [redacted]), when I finally was able to speak to an associate she transfer me over to a manger named [redacted] that was very disrespectful and would not let me pay off my account. Albert stated that it had been a day over my promotional deadline and my account will be charged the interest rate and there is nothing that he can do about it even though I was able to pay off the account. I have had this card for three years and it doesn't make sense why they will do a loyal customer the way they did me.Desired Settlement: I will like to pay off the account without the interest charges in full of 388.00.

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

Review: In August 2013, My wife and I went to the branch and a personal banker ([redacted]) greeted us. She told us that if I referred my wife to open an new account, I will get $100 deposit in my account. I further asked her if we need to set up some direct deposit or if it needs any activities in the new account to get the $100, and [redacted] said no, we do not have do to anything. Therefore, we gladly accepted this offer. However, 2 months later, we did not see the deposit in both our accounts. So, we went to the branch and talked to [redacted] again. She asked us to waited three months after the account was opened. So, we waited another 2 months. In January 2014, the deposit did not appear in our accounts. So, we went to the branch again. This time, [redacted] was not there. We talked to the [redacted] ([redacted]) about this. [redacted] checked the information we provided and he promised he would look into it and get back to us. However, we waited another month but [redacted] or [redacted] never called us. In February 2014, we went to the branch again and talked to the third financial associate. The gentleman was kind enough to check the information for us. He then told us that [redacted] did not put my name as the referrer and he left a message to [redacted] for us to ask her check it again. However, another month passed, and we got no calls from the branch.We have waited for over 6 months for the $100 deposit to show up. We also spent much time going to the branch and talking to those associates. Nothing or no one can solve this issue. We are not satisfied with the service and how the bank educate its employee.Desired Settlement: We have waited for over 6 months for the $100 deposit to show up. We also spent much time going to the branch and talking to those associates. Nothing or no one can solve this issue. We are not satisfied with the service and how the bank educate its employee. We ask the Citibank to deposit the $100 to us since it is the promise we had from the branch.

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 offered to have the first year membership fee waived and now they will not honor the offer.Desired Settlement: I want the membership fee waived as offered.

Consumer

Response:

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

Sincerely,

Review: I have been wrongfully charged interest and fees for the past 11 months on a store card from the Home Depot. The [redacted] took full responsibility of wrong doing by an uninformed employee and has been "trying" to correct the mistake for the past 5 months. I am not happy with his urgency to fix this issue and have given him ample opportunity and leeway to get this resolved, but he has not come up with a solution. He recently has become hard to get in contact with and refuses to return numerous phone calls from my husband and I, which makes us feel less and less that this issue is getting resolved and getting the proper attention.

Product_Or_Service: Decking Material

Account_Number: Ends in [redacted]Desired Settlement: DesiredSettlementID: Refund

Credit all the fees and charges, IMMEDIATELY.

Business

Response:

We previously received a response from the Revdex.com of Atlanta #[redacted]. We responded to [redacted] by mail on August **, 2014. [redacted] needs to allow time to receive the resolution letter previously sent.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that the matter has been resolved 8 months later and after I showed an extreme amount of patience in trying to resolve the matter. I hope the Revdex.com has started or continued a file on the Home Depot/Citigroup to keep track of the poor customer service, poor resolution time, and predatory/poor credit practices.

Sincerely,

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: 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'd like to have my home address removed from their marketing material list:

I have directly requested that the company remove my contact info, but they have ignored my request.Desired Settlement: For Citi to stop sending junk mail to:

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:

[redacted] and I have spoken. She is saying that they do not have my contact info in any of their mailing lists, and that this may be a third party like [redacted] that is mailing us. I have called her back to tell her that this is incorrect. we are receiving marketing info directly from Citi, and it continues to come on a monthly basis despite having requested directly do them to be removed and now requesting again with the help of Revdex.com.Again, I would like to have Citi stop mailing me and my wife. we are not interested in their products, and would like to be removed from their mailing list.

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

Sincerely,

Business

Response:

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

Consumer

Response:

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

Sincerely,

Review: Citibank has called or made contact with me on unauthorized numbers. Numbers of which I never rendered in order for them to contact me. I would like to seek corrective action!! I spoke with a customer service representative named [redacted] who said that the numbers are in fact on my account however, I never authorized Citibank to use these numbers. I am not sure what kind of practices they used to acquire the additional numbers and I feel that my privacy has been jeopardized.Desired Settlement: DesiredSettlementID: Other (requires explanation)

For Citibank to stop using unauthorized numbers to contact me regarding my account. They have all of the necessary information I have given to them to contact me. I would like for them to cease and decist.

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 I will wait on Citibank to respond with a resolution regarding their FCC violation. Sincerely, [redacted]

Review: We had some remodeling done on our home in Spring 2014. After going to [redacted] to look at materials and purchase a new dryer we were approached about getting a [redacted] credit card with 18 months no interest financing. After hesitation we decided to get the card since we were planning a remodel. We decided against a bank loan with interest since we were being offered 18mos no interest. In July of 2014 I noticed I was accruing interest on our ** card so I called customer serv. After speaking to a gentlemen he credited some of the purchases and said that only purchases made within the first 3 months of opening the card were covered on the 18mo no interest. Being that most of our purchases were complete with close to a $5000 balance I compromised and was ok with that as long as the $5000 was no interest for 18mos, and he agreed that it was. Since that conversation I continue to get statements with accruing interest. I called customer serv. again and they said that the information that the previous gentlemen gave me was incorrect, that promotions can change daily based on when I made the purchase (NOT the story I got when I signed up for the card or on my first call with customer service-have never been told that information). After explaining my previous conversation (IN DETAIL) several times I was told that there was absolutely nothing they could do! I asked to have phone records pulled and was told they could but its unlikely they still had them from July...convenient. I am extremely upset with [redacted] and unless they fix this I will never shop there again and have already spoken to two family members that have business accounts with them that I help regularly and they will no longer use them either unless they make it right. I often help these contractors with decorating and final touches of a renovation completion (for sale) and will go elsewhere for the business.

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

I would like any/all interest charged to my card to be credited back and for my balance (currently $4940.52-this includes the interest already charged) and to be interest free for 18months like I was offered to begin with (twice).

Business

Response:

This is a duplicate request from our customer. We previously sent a resolution letter to our customer on April *, 2015. Our customer needs to allow time to receive resolution letter. 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: Citibank offered a promotion with 3 conditions. I set it up at their bank branch, completed the conditions and waited for a suggested time period by the representative for the promised credit(airline mileage) that was just before a service charge would begin to apply.I went to the branch and asked for explanation. They would not return a call; a person who was supposed to meet me would not appear, and more than a week later, I received a letter indicating that I did not meet one of the conditions (but they'd extend the offer). I was not convinced, but the additional requirement did not seem to amount a lot, so I did complete the requirement of spending $327.05 told by the customer service. He suggested to call different Citibank number to make sure of what qualifies a valid purchase.A few days later, I called to make sure of the condition. At that point (I already used the card a few times) I was assured to spend about $180. She said she'd issue another letter.The second letter stated that I did not meet the second condition which has never been an issue. I called the listed number and complained. They admitted that it was not an issue. By then, I finished spending the $180.However, on the following day, they sent another letter stating that I do not meet the spending amount. I called back the listed number again, and they now tell me that I need to spend $388.33.They further said that I'll get the promotion 90 days after I finish the amount, which will incur 3-4 service charges to hold the account, something the bank representative told me that I could do without.Desired Settlement: I want the promotion they promised 30,000 American Airlines mileages.I'd like a refund for all the monthly account service charges ($30/mo) that incurred due to their prolonged deceptive operations.

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]. The business contacted me directly and provided me a satisfactory resolution. Accordingly, I can consider that the matter has been resolved. Thank you for your work.

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 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: I have had business with this company for 8 years now. I had another card with them that was sent to a collection for $5000 ...which I had just payed off all they way. Do to trying to make everything better in my credit report. I payed $3000 to my current citi card that was also $5000. Then They closed my account after I payed them $3000 and wouldn't send me a new card. I have never been late and has always payed $30 over my minimum payment. I just don't get why they closed my account that was always in good standings.Desired Settlement: Give me a new card and open my account back up.

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: 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: On 02/**/14, I texted my Citibank VISA debit card balance and had a balance of $42.62 after receiving a deposit amount of $42.00 after rendring services at CSL Plasma in Akron, OH. I purchased an item at Big Lots for $12.81, and then food at Giant Eagle for $18.10. After those purchases I texted again for the balance, which showed a misleading balance of $13.51. Both previous charges were already deducted. So, I decided to purchase $13.00 in gas at GetGo. I wasn't aware that the true balance was only $11.46 after these deductions. So, why was Citibank showing me a false balance of $13.51? After purchasing the gas, instead of having a remaining balance of $0.26, my text showed a deficit of -$2.04 (true balance of -$1.54 plus a $.50 NSF charge). When I called their customer service #, after spending an hour trying to correct their error, I was told by the [redacted] that although they couldn't explain to me why the text showed $13.51 before the 3rd purchase, they refused to strike the deficit balance and take responsibility for misleading me with a fraudulent balance.Desired Settlement: To clear my account due to misleading me with their error, which appears to me to be fraudulent in nature.

Business

Response:

March **, 2014

Revdex.com

Case # [redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on March **, 2014 from [redacted] regarding his CSL Plasma prepaid account issued by Citi Prepaid 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.

[redacted] in his complaint indicated that he received an inaccurate text balance when he checked his balance via SMS text services. Citi prepaid services first attempted to contact [redacted] on February **, 2014 after he contacted our Customer Service Department regarding his complaint. When a [redacted] called [redacted] on February **, 2014 he indicated he did not want to speak about the account and terminated the phone conversation.

Citi Prepaid Services called [redacted] again on March **, 2014 regarding his Revdex.com complaint. We explained to [redacted] his available balance is dependent on when a merchant presents transactions to his prepaid account and Citi transaction fees are not assessed until the merchant transaction is settled. When a text balance inquiry is completed, the balance provided is based on the current transactions posted to his account at that time. [redacted] terminated the phone conversation when we were in the process of explaining to [redacted] how he can monitor his balance either online or via our automated phone system to ensure all transactions and fees have been accurately assessed to his account.

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

Sincerely,

[redacted], [redacted]

Consumer

Response:

Dear Revdex.com representative,

Citi Prepaid Services response is the exactly the same canned response that I received over the phone when I called them back in mid-February. and was on the telephone for over. an hour trying to resolve the issue. Sad to say that there was no phone call to me from Cities Prepaid Services on February [redacted] where they spoke to me and I refused to speak any further on the matter. Yes, they called on March [redacted] in response to my complaint to you. I was hoping for at least a run down of the transactions that took place that day, February. [redacted]. But, it was the same canned response that was received here as well. This indicates clearly that they don't want to do that, because it will reveal their error, if not their fraudulent tacttic. They definitely need to discuss with me and/or respond here how I received a balance of $13.51 on my text request, when it should've. been only $11.71. A difference of $1.80. Interesting enough, the last transaction before I made this text request was for $18.10, about 10 % of that purchase is the differrence in the true and errant balances. There definitely is no mathmetical logic to why I received a balance of $13.51, when the only previous transactions were for $18.10 and $12.81. There is no wayward that a balance of $13.51 could have occurred even if one of these transactions. were delayed by the merchant. I can only conclude that Citi Prepaid Services has some kind of glitch. in their system, or this is a fraudulent. tactic on their part. I hope it isn't. the latter. However, if it is the former, then why can't Citi Prepaid Services discuss this the figures with me or respond here? Since they use canned responses,

Business

Response:

April **, 2014

Revdex.com

Case # [redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on April *, 2014 from [redacted] regarding the balance of his

prepaid card issued by Citi Prepaid 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 Citi Prepaid Services has no record of the balance discrepancy [redacted] references in his complaint.

On March **, 2014, Citi Prepaid Services spoke with the cardholder attempting to review the transactions on his prepaid card; however, the cardholder disconnected

the call. As explained in the Terms & Conditions that was sent with the prepaid card, [redacted] can access his transaction history at any time by calling the toll free number on the back of his card or accessing the One Platform website.

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

Sincerely,

[redacted], [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:

This last service manager from Citi Prepaid Services is again (just like all the other times they have responded to me over the phone, or here in writing) avoiding my request for a rundown of the transaction figures for the day in question: Fenruary [redacted], 2014. She denies having any discrepancy in the record. Well, then show it. Clearly, she hasn't, and undoubtedly won't. So, I'll show the discrepancy in question in the attached, recorded on my AT&T Android text service, and forwarded to my personal e-mail address. In addition, as a psychologist, I am quite aware that when others resort to ad hominem arguments, as she has apparently done, by stating that I just abruptly hung up in my last conversation on the telephone with one of their representatives, as if I'm some kind of difficult and tempermental ex-customer, it is an indication of at least a weakness in their position, if not a cover up for what is clearly known to be false. The reason why I have labeled myself as an ex-customer is because I now am a customer of another bank offering prepaid card services. I will no longer use the Citi prepaid card account, and neither will the business from which I received my Citi prepaid card continue to do business with Citi Prepaid Card Services. I don't know why and don't believe it's any of my business why that is so. But, I suspect that my issue with Citi Prepaid Services is just the tip of the iceberg of problematic business practices by Citi Prepaid Services.

In addition, I received a courtesy call a couple days ago from [redacted] a Business Analyst in the Customer Complaint Department of Citi Prepaid Services. He contradicted [redacted] statements in this last response by admitting to me that there is indeed a discrepancy from February [redacted] that is completely in line with my complaint, and apologized on behalf of Citi Prepaid Services. Then, he told me that he'd send me a rundown of the transactions from my prepaid card on February [redacted], as well as granting my second primary request for the striking of all charges, including the NSF fee, which he did the next day.

So, for the record, even though I answered that this last response was rejected by me as resolving the issue, [redacted] clearly did do so with his courtesy call to me just recently. Thank you [redacted] for restoring my hope in the probability of a business resolving complaints from customers, if there is any propensity towards goodwill on its part.

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

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.