Citi

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: 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 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: 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: 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: 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: 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 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: My wife and I visited One Main Financial at [redacted] on 12/*/13. I spoke to [redacted] at this branch on 11/**/13 inquiring about a personal loan for $10,000. I explained that I own an auto dealership and will be using the funds for business expenses. He asked me to bring in our lease agreement and proof of income. When we arrived at the branch at 3:30pm, the Branch Manager, [redacted] said that [redacted] was with a customer and that he could help us. He started to take my wife's information ([redacted]) and asked me the purpose of the loan. I told him it was for business purposes. He then RUDELY stated "WE DO NOT DO BUSINESS LOANS!" I explained to [redacted] that I informed [redacted] on 11/**/13 the purpose of the loan. [redacted] said that [redacted] gave me the wrong information. [redacted] said that he has to stop the application and would not be able to continue. He said that he did not process a credit report and immediately canceled the application. [redacted] did not even apologize for the misunderstanding and asked us to leave the branch!

I explained to [redacted] that I was a Branch Manager of Wells Fargo Financial from 2004-2007 and NEVER treated a customer with such DISRESPECT and UNPROFESSIONAL behavior. I was extremely surprised to receive such poor customer service since this company is a subsidiary of Citifinancial. The phone number to the [redacted] branch is ###-###-####.Desired Settlement: A phone call from the Branch Manager of One Main Financial in [redacted], [redacted] apologizing for his inappropriate behavior. My phone number is ###-###-####. Thanks. [redacted]

Business

Response:

To Whom It May Concern:

We are in receipt of your correspondence dated December *, 2013 regarding [redacted] and [redacted]'s OneMaln Financial application and appreciate the opportunity to address their concerns. We have reviewed her concerns and offer the following response.

First and foremost, we appreciate [redacted] and [redacted]. [redacted] bringing this matter to our attention. While we continually strive to provide a superior level of service to all our customers, we truly regret this incident and apologize for any inconvenience that it may have caused them. Please be advised, [redacted] and [redacted]. [redacted]'s complaint has been forwarded to [redacted], District Manager and [redacted], Area Director, to review appropriate service standards with our branch personnel.

In reference to [redacted] and [redacted]. [redacted]'s concerns regarding this application, please be advised that loans for business and education are prohibited per company policy. In reference to [redacted]'s statement that he spoke to [redacted], [redacted] confirmed that he did speak with [redacted]. As [redacted] was in training,he was not aware that business loans were prohibited. However, once [redacted] and [redacted]. [redacted] came into the [redacted] office on December *, 2013 and advised that this loan was for business purposes, OneMain Financial was not able to complete the application.

Again, on behalf of OneMaln Financial, we would like to extend our sincere apologies to [redacted] and [redacted]. [redacted]. Should you or [redacted] and [redacted]. [redacted] have any additional questions or comments regarding this correspondence, please contact me directly at ###-###-####.

Review: This is not the first time this has occurred:I paid my credit card bill for January in a [redacted] store, in cash, before the due date. Then I started receiving calls that the payment was late and I owed a late fee. I faxed the representative a copy of the receipt from my payment, and was told that I must now pay the late fee or my February payment would be marked late also. I payed the late fee. I paid my February payment, again, in the store in cash. And I've now received calls again telling me that my payment was late for January and February, and that I've also incurred late fees for this month. I have not paid a late fee for this month because I see that this problem is not going away. In the meantime I'm sure this false lateness is being reported on my credit score.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want my account investigated and all false late transactions updated to reflect accurately the dates that I have paid. I want an investigation into this process as I am sure I'm not the only person experiencing this issue. I would like some documentation reflecting the actions that have been taken and current status of my account.

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]

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]

Citi has not corresponded with me or addressed any of my concerns. I have not received a statement of the actions taken on my account. I am still receiving calls from their collections department to 'collect a debt' and from what I have been told by these representatives the late fees that were erroneously charged to my account have been removed only to be added to the principal balance on my account. Further more, it appears that I have already been charged an additional late fee for the month of March for which the due date has not yet come. This is not an issue that can be resolved with a simple 'we have communicated with our customer directly' when that communication is in fact further harassment and complication of an already complicated matter. I'm appalled that this is being reported on against my credit when my actions should have led my account to be in good standing. I am documenting each call and requesting names and ID numbers from all representatives and if this is not successfully investigated, reported to me, and resolved by May 2015 I will take my documents to an attorney and seek legal resolution.

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 cantact him/her directly?

Review: I made a payment to an old [redacted] Credit card # [redacted] on Sept**, 2014 to [redacted] credit services for the amount of 433.73 through my bank [redacted] online Bill payment service. They sent the payment by [redacted] on Sept[redacted], 2014. I realized later that I made the payment to the wrong company. At this time [redacted] had already taken the money out of my account. I made a payment inquiry through the bank on 10/**/2014. They open the First payment inquiry to [redacted] on 10/**/2014. I waited the required 10 days and didn't hear from [redacted]. I tried calling [redacted] Credit services numerous times and the only thing they told me I could do is fax a copy of the proof of payment and there customer dispute department would take care of it. My bank then sent another fax to this number and still no word from them. We did a 3 way call between [redacted]- [redacted], [redacted]- [redacted] and myself on Dec [redacted] and [redacted] said it was [redacted] and the customer dispute department was not available. [redacted], from [redacted] said she would send them an email to research it and that they would get back to me the next day. I did not hear from them so I called [redacted] again. Again they told me they had no record of me ever having an account, that my number must be a discontinued credit card, and that there was no record of any issue involving my name and that I would again have to send a fax with proof of payment. The bank has received an email from [redacted] saying they are working on it but still have no record of anything. [redacted] - [redacted] -stated that at this point I would have to deal with [redacted] myself. She would send me copies of everything they sent but I would now have to deal with [redacted] by myself. I try calling again and still no record of anything taking place and I now have to start over again and send a fax. They will not let me speak to anyone in customer disputes. At this point I have no idea what else I can to do resolve this issue.

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I would like my $433.73 refunded to my account or a check sent to me in that amount.

Business

Response:

We have resolved the complaint verbally with [redacted]. Should you have any questions about the resolution you will need to contact [redacted] direclty for that information.

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 applied for a [redacted] MasterCard back in January of 2014 and was approved for 4000 dollars. I never received my card and continued to look for ways of getting ahold of my card information but when I called in the [redacted] company they said I had no account I even contacted citi bank which is the bank that represents this card and they said the same. I even went in person to [redacted] and they told me the same thing. I received a late fee about a month later saying that I hadn't paid the first fee but I never received a card or first fee to begin with. When I checked the receipt I had gotten I saw that it didn't have my name on it so I looked further into it and when I called the [redacted] company they said my social security number had been handed out to more than one person so I would need a social security verification form as well as a copy of my bill and my full name and address which I sent in twice because they said they hadn't received it the first time and when I called in the second time a [redacted] representative told me they had received it but there story changed a week later when I called in and they said they had only received one part. So I sent in the second part they hadn't received witch was the social security verification form and when I sent that in the [redacted] representative told me I was still missing the first part so I sent the entire information packet they had originally asked of me again another 2 to 3 times and they kept telling me that it couldn't be processed the way I was sending it but when I asked what format to send it all they told me was to write it again they weren't specific so I tried and I got the same reply that it couldn't be processed. Also during the time that this was going on I offered to make a payment and the [redacted] representative told me not to until I was off of fraud but they won't take my account off of fraud until I give them the social security verification form and the account statement which I tried to send in multiple times but they haven't complied. This has been going on with the [redacted] company for about 8 months now and my credit is greatly affected in a negative way.Desired Settlement: I want my credit to be fixed and back in the same condition as it was in when I first applied, I want my credit card that I had originally been approved for and all of the late fees and charges tooken off my account as well as all of the interest. I want this fixed as it has stopped me from purchasing a vehicle and receiving a job due to them ruining my credit.

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]

They called me and told me that they are going to working on my case but have not called me with a solution or informed me further in the case. The matter is not resolved.

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

Sincerely,

Business

Response:

Good Day All,

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

Regards,

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:

[Your Answer Here]

All they did was was tell me pay my full amount and that the fraud department didn't want to talk to me even though I requested to speak to a [redacted] and that they were going to send me a letter in the mail which is what they originally sent and resolved nothing. They haven't told me that they were going to give me my card or anything.

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

Sincerely,

Review: This involves student loans. I have been paying the monthly payment every month since September 2014. In November, December and January I paid DOUBLE the monthly minimum payment. I have been getting countless letters and phone calls in the mail since September saying my account is past due and I still owe CITI over $158. I have called multiple times to have this cleared with a CITI rep and to no success I still recieve past due notices after the represenatives state my account is current. These past due notices never agree with each other either. Every single "love letter" I recieve states a different amount owed.Desired Settlement: I would like my account brought current and the continuous harrasment of phone calls and letter to immediatly stop.

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: After applying for a very low credit card rate on line I received a denial , when th eletter came in, it stated [redacted] said I had too many delinquent accounts and a credit score of 628, I called Citi and the customer serivice rep said I need to contact [redacted]. I did and my credit score is not 628 but 781 and I have 29 accounts in good standing with NO accounts delinquent (EVER).

after calling CIti back she stated there is nothing they can do since there report shows something different. I am not sure if CITI was fishing for information or trying to bait and switch but I can mail anyone the denial letter and the official credit report.

I ask for a copy of there report and the lady said they cant send it, since they requested it.Desired Settlement: I would like a copy of the credit report they obtained in exchange for the one I obtaianed

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.

They have indeed contact me and acknowledge the error as well as discovered a flaw in the automated system that generated the letter to me.THANK YOUSincerely,

Review: I am furious. I have called Citi Cards five times today. Three of those times, the customer service associate got an attitude with me (PLEASE listen to the records) which I do not appreciate at all. The first time, when I asked to speak to a supervisor, the woman blatantly hung up on me! I am in [redacted], it is 110 degrees here, and I walk outside to talk to these people and they have the nerve to get an attitude. I was alerted to "potentially fraudulent activity" on my account and prompted to call. They REFUSE to call the number that is listed on file for me, instead insisting repeatedly and with huge attitudes that they call the obsolete phone number listed on an OLD account of mine. The reason I put my CURRENT phone number on my CURRENT account is because it is my CURRENT number. The reason my OLD number is on my OLD account is because it's an OLD number. The only alternative they give me is to provide them with a copy of a social security card, passport and utility bill. I do not have a social security card, and it would take forever to get one out here. This is the only method I have to purchase things out here, I am literally going hungry, and these people are asking me to jump through ridiculous hoops. Just ask me for my social security number and be done with it. I'll take a picture of myself holding my driver's license if they want!!! I just can't believe that are refusing to call the phone number that is LISTED on THIS account in order to VERIFY THIS account. It makes no sense whatsoever.Desired Settlement: I want my account reopened, and no more of this "fraud alert" nonsense. I check my statement every single day. If I see something that's fraudulent, *I* will contact *you*. Stop freezing my account every single time I buy something--that's the point of having a credit card--to BUY things with it.

Business

Response:

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

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:

My card may be activated, but that doesn't come remotely close to excusing their attitudes or behaviors towards me.

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

Sincerely,

Review: 2. Citibank [redacted] - This account is DOUBLE JEOPARDY reporting as a Charge Off AND as a judgment ([redacted]). Duplicate reporting violates the Fair Credit Reporting Act - remove this account. I'm 32 years old and i've been renting a small apartment for many years and driving a car with a near 30% interest rate and my credit is preventing me from having any sort of life. I work hard and I pay my bills, and this false information on my credit report is just devastating.

This bad information is keeping me from moving forward in my life. I'm living paycheck to paycheck with a tarnished credit report when I do not deserve this. This has caused me to lose alot of opportunities and is now effecting me emotionally. Coming to the Revdex.com is another path I have to take because it is near impossible to find a representative to assist me at Citibank regarding this matter. I want this information removed from my credit report as soon as possible or within 30 days.Desired Settlement: Remove this account within 30 days from my Equifax and Experian credit report.

Business

Response:

Dear [redacted]:

We are in receipt of your correspondence dated October **, 2013, regarding [redacted]'s concerns and we appreciate this opportunity to respond. We have had an opportunity to research the issues raised and offer the following response.

Our records indicate that [redacted] originated a personal loan with the CitiFinancial Ellicott City, Maryland office on July *, 2007 with an amount financed of $1,499.98 and was assigned account number [redacted]. The loan was then refinanced on August **, 2007 with an amount financed of

$4,036.09 and was assigned account number [redacted]. Due to continued delinquency [redacted]'s loan was charged off and transferred to the CitlFinancial Centralized Recovery Center where his loan was assigned new account number [redacted].

Regarding [redacted]'s concerns that the account is being reported as a charge off and a judgment in violation of the Fair Credit Reporting Act, we respectfully deny that claim. Our records indicate that due to the delinquent repayment of the account a judgment was filed against [redacted] on April *, 2011. Please be advised that CitlFlnancial must report the account activity, which is why his account was/is reported as "Charged Off''; however, any judgment Information is reported directly from the local courts. Therefore, [redacted] will need to contact the court where the judgment was filed to Inquire about how the judgment infonmation is being reported. Regarding [redacted]'s request that the account be deleted from the credit reporting agencies, we must respectfully deny that request.

We apologize for any Inconvenience than this may have caused [redacted] and we trust that this letter addresses his concerns. Should he have any further questions regarding the loan, we encourage him to

contact that CltiFinancial Centralized Recovery Center at ###-###-####. Should you have any further questions, please feel free to contact me at ###-###-####.

Sincerely

Business

Response:

Dear [redacted]:

We are in receipt of your correspondence dated October **, 2013, regarding [redacted]'s concerns and we appreciate this opportunity to respond. We have had an opportunity to research the issues raised and offer the following response.

Our records indicate that [redacted] originated a personal loan with the CitiFinancial Ellicott City, Maryland office on July *, 2007 with an amount financed of $1,499.98 and was assigned account number [redacted]. The loan was then refinanced on August **, 2007 with an amount financed of$4,036.09 and was assigned account number [redacted]. Due to continued delinquency [redacted]'s loan was charged off and transferred to the CitiFinancial Centralized Recovery Center where his loan was assigned new account number [redacted].

Regarding [redacted]'s concerns that the account is being reported as a charge off and a judgment in violation of the Fair Credit Reporting Act, we respectfully deny that claim. Our records indicate that due to the delinquent repayment of the account a judgment was filed against [redacted] on April *, 2011. Please be advised that CitiFinancial must report the account activity, which is why his account was/is reported as "Charged Off'; however, any judgment information is reported directly from the local courts. Therefore, [redacted] will need to contact the court where the judgment was filed to inquire about how the judgment information is being reported. Regarding [redacted]'s request that the account be deleted from the credit reporting agencies, we must respectfully deny that request.

We apologize for any inconvenience than this may have caused [redacted] and we trust that this letter addresses his concerns. Should he have any further questions regarding the loan, we encourage him to contact that CitiFinancial Centralized Recovery Center at ###-###-####. Should you have any further questions, please feel free to contact me at ###-###-####.

Sincerely,

Review: Dear Revdex.com,

A few months ago I sent a payment to Citicards for my credit card bill.

Before sending in the payment I called Citi bank customer service to inquire how I can go about making a payment by mail, being that I always make payments online. They informed me to send in a check made out to Citicards and that I should write the last four digits of my account number on the check. I did exactly as they said, I sent in three checks (from a third party) made out to Citicards with the last four digits of my account clearly written on each check.

About 6 weeks later I saw that I was charged late fees and interest on all three of my accounts. I promptly called Citibank to inquire about this.

The customer service rep. told me that I was supposed to write my entire account number on the check and that is why the payments were never credited to my account. What is even more absurd is that on one of the checks I sent in, Citi actually removed the funds from the third party's account, but they never credited it to my account!

Again I called Citibank customer service and explained the situation to them. I was told that they would credit my account as paid, and refund all interest and fees while they investigate the matter.

Besides for misinforming me about how to go about making a payment by mail, they also never did as promised and I am now being charged compound interest and late fees every single month.

And my previously perfect credit score is now ruined. I can't get approved for a credit card, auto loan or mortgage. I can't understand how a seemingly prostegious and well established banking institution can be so unprofessional and untruthful.

Thank you for taking the time to read my complaint, I hope you can help me resolve this matter.Desired Settlement: My desired outcome is a refund of all late fees and interest charged by Citibank. As well as a correction on my credit report. I would like to see all late payment reports erased.

Thank you.

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 received a notice on 6/** that my credit card of 7 years was cancelled due to not being used. I called Citibank customer service on 6/** less than 24 hours after card "Cancellation" and was told that to initiate an inquiry to attempt to reopen my card, a hard credit would need to be pulled. I have had this card for 7 years and received no prior notice that my card would be cancelled, and now in order to be "considered" to reopen my card that has been cancelled for less than 24 hours, I have to undergo a hard credit pull which will also affect my credit. I spoke with customer service and an account manager both of whom, while very polite, were of no help. This is an appalling practice of cancelling cards without forewarning and then requiring a hard credit pull and credit check to get reapproved for a card I already had. I will gladly take my business elsewhere. Customers beware, take your good credit elsewhere.Desired Settlement: I would like my credit card reinstated without a hard credit pull.

Review: I purchased a camera in 02/2013. I dont think I will ever shop at [redacted] again if this issue is not resolved.

I purchased a camera in 02/2013 and I was paying monthly on it. I made sure my payments were on time each month. All of sudden I seen my payment go up. I seen my balance go from 2000 and jump to 2600.Desired Settlement: I seeking that this interest charge of 647.80 be removed. im a loyal customer and have spent alot of money with them. But I cant be paying 24% interest rate and not even know about it. Im in school to dish out $650 would be a financial burden. please contact me [redacted]. I tried calling [redacted] customer hotline before making this compliant and I didnt receive any type of direction or help

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 find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

[redacted] I feel that my interest charge should be removed because of the mix up when my camera was swapped out . I would like to transfer the balance to one of my cards . im currently unemployed and paying $650 dollars extra on a bill. Is kind of harsh and truthfully I cant afford it. Im full time college student trying to make ends meet. Hopefully this issue can be resolved.

Review: Last year I applied and acquired a [redacted] credit card to purchase a laptop for my wife for Christmas. I used it maybe once or twice more then paid it off and closed it. I received a bill the next month. I called [redacted] and they agreed I obviously didn't have an outstanding balance since the card had been closed. I continued receiving bills and late fees on this nonexistent credit card. I continued to call and complain and I continued to get reassured that the problem was taken care of. Recently while applying for a home loan with my wife I realized not only was the problem NEVER taken care of, it was STILL REFLECTING POORLY ON MY CREDIT. It has done substantial damage to my credit. [redacted] is doing NOTHING to fix this problem and in fact still occasionally sends me an over due bill. For a credit card that I PAID OFF IN FULL AND CANCELLED.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like the charges removed, my credit to be fixed, and the damn card to be fully and correctly closed down. I will never be using their services again.

Business

Response:

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