Citi

Review: On 7/** 2014 I called Citibank to make a payment over the phone and I was unaware that I was being heard from another agent from another country.

I explained to her that I was locked out of my account and needed something to unlock my account with because I have cancelled my account and she told me it would be mailed to my address. Till this day I didn't receive anything from them. Come to show I was charged with a late fee that I was unaware about because nothing was sent to me in my email or a letter explaining why I was being charged. I called today August **,2014 and talked to the agent and was trying to figure out why my charges jumped from approx. 40 monthly to about 110. I asked for the name of the agent I talked to from my previous interaction on 7/** 2014 and was told that they were not at liberty to tell me that. I asked to talk to another person and was transferred to [redacted] Employee number [redacted] he gave me the same liberty and I asked to be transferred to someone else because during the 1 month period I was unaware of any charges that was added to my account and couldn't fight it. He transferred me to [redacted] contact number ###-###-#### and he told me the same thing and refused to release the name. I believe if anything I have the right as a consumer to have information about an error on the part of the company and they did nothing but shield her. I was told I had a past due amount of 41.73 which I paid on time on 7/** over the phone with the international rep and that amount didn't reflect on my bill for this month and a late fee was tacked onto it. They credited the bill for the late fee but the amount I paid on 7/** is still being reflected on my bill. I feel like this is unethical practices done by this bank and should be illegal as I feel like I was taken advantage.Desired Settlement: I want the bill fixed as I refuse to pay for an error that was done on your part. I've made my payments in the past and hasn't questioned them and I see no reason why this issue couldn't be fixed over the phone and a new and adjusted bill can't be sent to me. I also want an apology from Citibank admitting their mistake.

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.

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,

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 is the second time I am reporting them the first complaint was complaint ID number [redacted]. "On 7/** 2014 I called Citibank to make a payment over the phone and I was unaware that I was being heard from another agent from another country. I explained to her that I was locked out of my account and needed something to unlock my account with because I have cancelled my account and she told me it would be mailed to my address. Till this day I didn't receive anything from them. Come to show I was charged with a late fee that I was unaware about because nothing was sent to me in my email or a letter explaining why I was being charged. I called today August **,2014 and talked to the agent and was trying to figure out why my charges jumped from approx. 40 monthly to about [redacted]. I asked for the name of the agent I talked to from my previous interaction on 7/** 2014 and was told that they were not at liberty to tell me that. I asked to talk to another person and was transferred to [redacted] Employee number [redacted] he gave me the same liberty and I asked to be transferred to someone else because during the 1 month period I was unaware of any charges that was added to my account and couldn't fight it. He transferred me to [redacted] contact number ###-###-#### and he told me the same thing and refused to release the name. I believe if anything I have the right as a consumer to have information about an error on the part of the company and they did nothing but shield her. I was told I had a past due amount of 41.73 which I paid on time on 7/** over the phone with the international rep and that amount didn't reflect on my bill for this month and a late fee was tacked onto it. They credited the bill for the late fee but the amount I paid on 7/** is still being reflected on my bill. I feel like this is unethical practices done by this bank and should be illegal as I feel like I was taken advantage." As of today I am still locked out of my account online so I still can't contend anything and I called last month to pay my bill and requested another card be issued but nothing was done and a month later I called again today the [redacted] because I forgot to pay yesterday and I asked about the status of the card and the representative said the account was totally cancelled and there was no attempt by CITI bank to contact me regarding any of this going down until I called them to make my payment for this month. This has been going on for 4 months and is starting to be just ridiculous because they claimed on the last report that there were going to be in contact with me but that was a lie from the company. I would simply like access to my account online and would like to continue paying online instead of the phone. I would also like any late fees that result from the miscommunication of their company to be credited back to my account. Lastly I also authorize CITI to release information to the Revdex.com office because the previous complaint got no where.

Sincerely,

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: A fraudulent charge of 1225 was place on my Citi Bank card by a company called [redacted]. They were supposed to provide safe storage of antique furniture which they did not. I contacted Citibank when I saw the fraudulent charge on my card. They issued me a temporary credit. I provided them all the documentation they requested. Then 1 month later I got another credit card statement from them then that charged me again for the $1225 plus a $20 fee and a $24.39 interest charge. I am in the middle of refinancing my mortgage and I want to make sure this mistake by Citibank does not negatively impact my credit and cause me to not be able to refinance my mortgage. I read the credit agreement that governs my card and Citibank is supposed to investigate my claim and contact the merchant. They have done neither.Desired Settlement: I want the credit put back on my account, finance charges and fees reversed and my stellar credit rating in tact.

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.

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]All they said was that I have not authorized Citi Bank to release information to your office. I specifically authorized them to talk to you because they are charging me for a service I never received . Please call them and help me.

Sincerely,

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

Sincerely,

Business

Response:

We previously responded to the customer on October * and October **, 2014. The decision made is final.

Review: Home Depot has been charging a late fee of $35.00 to my account from March of 2014.

account#[redacted]

$35.00 late fee taken from the monthly payment from March 2014 sent in to apply to my account, I called several times talked to customer service and [redacted]s informing them I sent in the amount that was due and before the due date,

Today 11/*/2014, I told the [redacted] this is wrong to take my money when I've been paying on my account before the due date.Desired Settlement: I want my account updated and corrected. I have not skipped a payment, therefore the $35.00 dollars taken from March 2014 need to be credited to my account.

Business

Response:

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

I have not received anything to response to a decision.

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

Sincerely,

Business

Response:

Tell us why here...We have mailed our customer a copy of our previous response dated December **, 2014. If you would like to further discuss the resolution, may I suggest you contact her directly?

Review: I had someone from Citibank call me four times in one day talking to me about my account. I have never in my whole life ever had an account with Citibank. I have tried to tell them whoever they where looking for I did not know that person and that they did not have the phone number anymore that that was my cellphone number. The number they called from is ###-###-####

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 had made a payment on 12/**/2014 with a debit card. I have 2 saved on my app, depending on which account has the money in there. My fault and will admit it, grabbed the wrong card to make a payment on my Citi credit card. Finding out 2 days later, I immediately made a payment with the correct debit card information. I was charged appropriately for my mistake from Citi and from my bank. My complaint is that no where in their contract, info or anything like that, does it state that they will keep trying for 3 more times to process a payment. So now, it has already processed through the wrong bank twice for a $28 charge each time and will also have another one apparently of $28 for a total of $84 to be taken out on a $35 payment mistake. I talked with [redacted] today and was told there was nothing they could do on their end, which I think is complete bs! All he keeps telling me is to ask for a stop payment from my bank. My bank is not going to do a stop payment for $30 b/c I don't have the funds in there to do a stop payment. If I did, then the $35 charge would go through and I wouldn't be writing this complaint.Desired Settlement: I feel that since they see there is a payment on my account for the exact amount of my original mistake, they need to refund me $84 so I can pay my bank their money back. I will owe up to my mistake and not ask for the first overdraft fee b/c that is my problem. The $84 is for the 2 times already charged and the 3rd time that is apparently going to be charged to me since they won't stop it themselves.

Business

Response:

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

Consumer

Response:

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

[Your Answer Here]

All their response is saying is that they will contact me. I'm not sure what kind of resolution this is or will lead to

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

Sincerely,

Consumer

Response:

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

[Your Answer Here]

I'm still not exactly sure what their solution is for me to agree to anything. One I see a solution on here's, then I'll decide if I agree or not

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

Sincerely,

Business

Response:

We previously responded to the customer on January *, 2015

Review: The balance due is $191 with $140 in late fees. [redacted] admitted to having the wrong address and telephone on file. They refuse to adjust error.

I received a phone six phone calls today from [redacted] Credit Card collections. This is the first time hearing about the charges. [redacted] stated that $191 was due in charges. The $191 charges was stemmed from $140 in late charges. They refuse to fix the error. [redacted] customer id [redacted] if that's really her identification handle was very rude from accusing me of lying about never receiving a phone call, to raising her voice and cutting me off every time I asked about the charges. She continuously lied about the balance stemming in late charges. She refused to itemize the what was due from the late charges. [redacted] then proceeded to place me on hold without disclaimer. Finally after 30-40 minutes with her, she at last transferred my call to an [redacted].

[redacted] customer id [redacted] continued to be disrespectful who also gave me false information of his customer handle id. He was sarcastic every time I would ask a question and kept repeating whether or not I would be paying the past due balance. When asked who I could contact in regards to the disputed charges, he refused to give me a telephone number only giving me a fax number and P.O. Box address.

I have spent thousands of dollars through [redacted] and [redacted] Credit Card services and for the most part have been treated well. This is the first I have ever had an issue like this. Again, I have always referred friends and families to [redacted] given their customer service history. My family alone has spent upwards of $10,000 from televisions, refrigerators, washers and dryers, and a multitude of products.

All I wish is to have this error fix without being disrespected and mocked over a series of unprofessional customer service representatives. I hope [redacted] can resolve this and I do not have to spend countless hours trying to get this resolved.Desired Settlement: All I want is to have the late charges removed given [redacted] error in contact information. I'm willing to pay whatever amount is due without the late charges.

Business

Response:

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

Review: 2 years ago in november 2012 I purchased a roof from ** the big enticement was 24 months no interest charge as their price was a bit hitherto my surprise I received a bill advising me I would be charged 25.99% a year for a total of 21000 dollars in interest on a bill for 33000 dollars.I attempted to contact [redacted] and they basically said thats what you signed up for.My initial contract had no indication of this charged while the bills I received indicated deferred interest of which I understood as deferred but showing what a great deal I received.I literally spent 1hour with a representative from the [redacted] explaining I was never notified when I agreed to this.He agreed to make an adjustment of 13000 plus dollars but demanded on a [redacted] I must pay it today or the offer expires.I subsequently paid the balance attempting to avoid these ridiculous interest charges which should be illegalThey advised me on my november 2014 bill in very small print I was advised of the amount due how could I dispute this am I supposed to make them remove a roof from my home after 2 years so I paid the interest hoping to resolve this and stop the interest clock.

Product_Or_Service: Home Roof

Order_Number: same

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I want full interest refunded on the purchase I paid excluding the one month I was responsible for after the contract maturity

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: after contacting the Revdex.com [redacted] Citi bank credit was able to provide me with the long overdue statements that I requested back in July 2014. I received the statements mid-November 2014. I was able to review the charges and determined on an amount owed. I received a bill from [redacted] citibank card today, 12/**/2014, detailing a balance remaining, an amount due and the payment due date of 1/**/15. I called today to make a payment but [redacted] (lady who responded) refused to take a payment because my account was sent to collections. I asked how could it be sent to collections if I received a bill today dated with charges on 12/** and due in january. I asked her how come I didnt receive a notification that my account was sent to collections and she could not provide me that info. I was then given a number ###-###-#### to discuss those details. I spoke to [redacted] who also refused to accet payment and told me to wrte a letter instead and fax over to dispute any charges. No information was provided on why I was sent a bill with no notification on my account being closed. That is was "handled by the system" and he couldnt provide me with any additional information. Citibank's practices are illegal because they refuse to notify the consumers and accumulate bogus late fees charges. before notifying the Revdex.com in regards to this, the last time I received a bill from them was in April 2014. In July I was told I would receive the statements but nothing.Desired Settlement: I will pay [redacted] CItibank what I owe which is $187 with two late fees (November and December) included. After I make this payment I dont want any notifications or calls from [redacted]/Citibank ever! I will pay what I owe, I refuse to pay bogus charges (late fees) accumulated since July due to their neglect with provididng me with statements

Business

Response:

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

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 has failed to contact me. Only the collector has contacted me several times to get payment for the full amount. Citi doesn't let me pay online because my account has been disconnected since April 2014. My account was sent to collection in December although I was sent a statement with a due date of January. They denied my payment twice because my account was sent to collections.

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

Sincerely,

Business

Response:

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

Review: I look at my bill for my credit card and notice a charge of 18.12 for debt protection which I did not sign up for . I call ###-###-#### for more information. they say it was bill every month for debt protection from 2008 to the present. I did not sign up for this protection and we like to know who sign me up and I will like to get my money back.Desired Settlement: Get all my money back from the fee.

Business

Response:

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

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 just recently received a bunch of statements sent by UCB.For some strange reason [redacted] card statements were being sent to an address I no longer reside at since 2012. When the [redacted] account application was filled out in Sept. 2014 the address submitted is as stated above. I am also attaching a copy of my credit report from [redacted] from June 2014.I am in total shock to be sent statements to an address I no longer reside since 2012.Furthermore, [redacted] in Feb. 2015 sent my first statement to the address as stated above to make my first payment in March 2015. I am disputing the late fees and interest charges of $173.98 that were sent to the collections agency by the name of (UCD) United Collections Bureau at ###-###-#### and spoke to a [redacted]. As proof has been submitted, I never received any statements prior to Feb. 2015 at the above address. I hope you can understand why it is very surprising to discover I was sent to collections when my payment was due in six months from September of 2014. Thank you for your attention and consideration to my request in removing the late fees and interest charges.

Product_Or_Service: dryer

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

My request in to remove the late fees and interest charges or any other 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?”

Review: Hello

[redacted] was formerly servicing my [redacted] credit card. I mailed a check in before the due date and I the company has reported it to be a late payment. I have never missed a payment with them. Not only are they reporting an incorrect late payment but they are reporting it on different months for different bureaus. They are claiming to [redacted] that I was 30 days late in August in 2013. They are claiming to [redacted] and [redacted] that I was 30 days late in June of 2013. I am trying to purchase my first home for my family and this error and their refusal to correct it is getting in the way of my families well being. I have disputed with the [redacted] and they have refused to correct their mistake.Complaint concerns: a Credit CardDesired Settlement: I would like for them to update my report and remove the 30 days late marks for all three bureaus.

Business

Response:

We have corresponded directly with our customer. If you would like to discuss the resolution, you contact our customer directly.

Consumer

Response:

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

The response given by the company is the same response I have gotten everytime. They give a vague response and take no responsibility for damaging my credit. The customer service is absolutely terrible. I cant accept that answer from the company. I need more of a response than that. I have been given no phone number or any way of getting I touch with them.

[Your Answer Here]

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

Sincerely,

Business

Response:

We received complaint number [redacted] on 03/**/15 and mailed our customer a resolution letter on 3/**/15. Our customer needs to allow 7-10 days to receive resolution letter.

Review: In Sept of 2014 I was attempting to pay off my balance in full. Making payments in 8/** & 9/** that would accomplish this. Unfortunately I had not considered that would still incur a interest charge. The following month 10/** I checked my account and had a interest charge of $31.71, seen the charge paid it in full again. I made the payment 2 days late, and was charged a late fee. And have been getting charged late fees since 10/**. I've been a member since 2005 never missed a payment never late on a payment. I did not receive any communication from CITI in all this time, informing me of this situation. I just happen to check my account on 2/**/15, seeing that my balance had incurred $168 in late fees. I called CITI explaining the matter, with no luck. Again I paid balance in full on 2/**/2015. On 2/**/2015 I checked my CITI account to see a credit of $163.00. Thinking that I would receive a refund. On 2/**/2015 I checked my account to see on 2/**/2015 a REV SMALL BALANCE FEE ADJUSTMENT of ($163). Again I called to get an explanation and was informed that the credit was reversed. That only $37 would be refunded to me.Desired Settlement: I request that the full amount in accumulated late fees be refunded to my checking account $168.

Business

Response:

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

Consumer

Response:

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

[Your Answer Here]I have not received any correspondence regarding this matter. I did see a credit of $37 to my account, which leaves about $130 in late fees that have not been refunded.

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

Sincerely,

Consumer

Response:

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

[Your Answer Here]

Of the $168 I paid in late fee's I was refunded $37. They contest that I was informed of situation, I was not. Its ridicules to insinuate that I just did nothing knowing that these late fees where accumulating. When 4 months earlier I made payments to pay off account in full. Lesson learned,

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

Sincerely,

Business

Response:

We recently replied to the customer’s inquiry and because no new information was contained in his most recent inquiry via the Revdex.com, we consider the matter resolved.

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.

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: 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: 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 have been using Citibank's Preferred Credit Card for about 7 years. Early this year I learned of Citi's new card - the [redacted] card. I wanted to switch to that card. I went to the local Citibank branch at [redacted] and met with an account specialist there. I was told that I can't convert my Preferred card to [redacted] and that I have to apply for [redacted] cash if I want it. I hold off on that decision.

Two days ago, on April [redacted], 2015, I went to the same local branch and inquired about the [redacted] card again. I specifically said that I wanted the [redacted] card and I would love to just convert my Preferred card since I only plan on keeping one credit card, and I also want to skip the credit check since I had a few credit inquiries recently (due to my new business opening) and this might hurt my personal score. This time again, I was told that I must apply for the new [redacted] card and that I can't convert my Preferred card to the [redacted] card. I was also told that if I only want to keep just the [redacted] card, I have to cancel the Preferred Card. I finally applied for the new [redacted] card at the branch. And it was a hard decision, one one hand there are the benefits of the [redacted] card, and on the other the possibility of damaging my credit score due to the frequent credit check. However, my application didn't go through at that time, it was on pending status and I was told I would receive a decision letter in the mail shortly.

Today, two days after I applied for the new [redacted] card, I decided to call the 1800 number on the back of the Preferred card to have it cancelled. The representative asked routinely the reason for the cancellation, I said it is because I wanted the [redacted] card and I only want to keep just one card. What she told me next just blows my mind off, she told me I can convert my Preferred card to [redacted] with all the spending limit and with all account information staying the same. Of course, without hesitation, I asked to have my Preferred card converted and I would speak to the applications department to have my pending application terminated.

However, when I was connected with the applications department, I was told that my application was approved and that if I wanted to cancel, I would have to wait a few days and then call back to have it cancelled.

So here is the million dollar question. Are Citibank branch staff/specialists this incompetent the they don't even know their company's own products/services/policy? I didn't just ask one staff, but two! Two account specialists! And I could tell they are not new! Are they really there to help customers or try to screw them over? At this point, I am beyond upsetting. I don't know how all this would effect my credit score, and for whatever negative effects there might be, it is pretty much a done deal and beyond repairable.

I was stupid enough to even consider opening up a business account at Citibank for my business. With this kind of ill managed company, it would cost me more harm than good.

What could've been an easy card conversion that only takes few minutes was mishandled by a bunch of incompetent staff which now is costing hours and hours of my time to repair. And as a bonus, it must result in a potential downgrade of my credit score.Desired Settlement: I just want my application cancelled, have my Preferred card converted to [redacted] and have the credit check involved with the new application rescinded.

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: A 12 dollar clerk return error leaves customer unable to qualify and close on a mortgage.

[redacted] unjustly enriched itself by failing to execute proper return of merchandise procedures and then hid behind an army of customer service representatives and processes leaving the customer to ultimately pay a 12 dollar charge that was never owed. The 12 dollar error caused unrepairable damage to the customer's credit causing him to be unable to qualify for a loan. Details below:

Customer first opened an account in 2009 and has been a loyal [redacted] customer. On or about ** December 2014, a purchase was made in [redacted] for over one thousand dollars. The items purchased were returned the same day but the clerk did not remove one of the items causing a 12 dollar balance to remain, 5 of which went to [redacted] charity. Customer learned of the balance 4 months later when 30 day late notice showed up on his credit report when applying for a mortgage. Upon seeing this, customer went online to check the balance which showed a zero balance because he was checking on an old account that was never closed. When calling to verify the information, the customers learned that the online account was for a past credit card that had been closed. Despite his dispute that the balance was inaccurate, the customer paid the balance to avoid further eradication of his credit score. The customer attempted to remove the item by purchasing credit reports for [redacted], [redacted], and [redacted] and disputing items, causing him another 40 dollars. The customer was unable to qualify for his mortgage because the error made by the young clerk caused his credit score to drop from over 740 to under the 680 that was required. Furthermore, the mortgage company could not close on a mortgage with an open dispute. The only recourse was to call and speak to customer service again. The customer service agent said their was nothing that they could do and accused the customer of not returning the item. The customer was referred to several different personal who again said their was nothing they could do and instead gave an address to "mail" and item in. The appearance to the customer is that the company lacks the proper training and willingness at the store level, customer service level, and executive level to put the customer first. I am deeply disappointed.Desired Settlement: I am requesting that company report accurate information to the credit bureau and remove the 30 day late charge. They can keep the 12 dollars.

Business

Response:

We have responded directly to our customer regarding the resolution. If you would like to dicuss 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 have determined that my complaint has NOT been resolved because:

The company has not made an reasonable effort to determine the facts of the case as indicated in the complaint. No one has contacted the store directly to determine or even attempt to investigate the 3 breakdowns that led to the billing error and lack of payment:1.) At the store level: Customer service rep did not execute the proper return procedures and left a $12 dollar balance that was not due.2.) Online and Phone Customer Service: No attempt has been made to remove an online account that is closed from their system. A closed account from [redacted] appeared and continues to appear online adding confusion to the accounts actually due (All reasonable efforts were made to pay the bill online and via the phone prior to it showing up as a 30 day late. [redacted] customer service determined that there was a zero balance on the account but they were looking at the old closed account, therfore no payment was able to be paid. It was the customer who had to investigate that the account online was not reflective of a new open account. 3.) Dispute Resolution level: Despite the Good Faith Payment from the customer, both Citi and [redacted] continue to "place blame" on the customer for an amount that was never due in the first place. This is the absolute antithesis of customer service particularly for a loyal customer since 2009. Without even attempting to investigate the facts of the case, both companies continue to unjustly enriched themselves, albeit a small amount and take the easy route of just looking at a bill due that was never paid, instead of looking at why and the breakdowns within their processes. I am deeply dissatisfied with the effort and response.

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

Sincerely,

Business

Response:

We responded directly to our customer regarding the complaint ID [redacted] on May **, 2015 by mail. Our customer needs to allow time to receive our response. If you would like to discuss the resolution, you may contact our customer directly.

Review: We were charged a deferred interest charge that we should not have been charged.

In July 2014 we purchased tires and rims and used the [redacted] credit card. To our surprise come February 2015, we were slapped with deferred interest charge of $346.12. We were not aware that this purchase was a deferred interest purchase. It was not noted on the receipt nor was it noted in any of the emails that were sent to me regarding the payment due. I think that if there was a deferred interest promotion, the employees should indicate that at the time of purchase and it should be in the emails that are sent regarding the account. I had no idea that statements were in PDF format on the account website, I was told that the emails were the statements. I believe that I should be credited this amount as we were misinformed. Account number ending [redacted]Desired Settlement: A refund on our account in the amount of $346.12

Business

Response:

Thank you for your communication regarding the customer's account. Due to privacy concerns we are unable to release customer information to the Revdex.com. We will respond directly to the customer within the next 7-10 business days. [redacted]

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 received no response from them via email like indicated in their response. Issue still has not been resolved or even addressed. No credit has been made to my account.

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

Sincerely,

[redacted] And [redacted]

Business

Response:

A resolution letter was sent via [redacted]l on 5/**/2015. Please allow 7-10 business days to receive our correspondence.