Citi

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 am unhappy with how [redacted] discloses information regarding their 18 month interest-free policy when making purchases using their credit card. I went to pay off my credit card today and was shocked by the sudden increase in the amount due when I had not purchased anything. What would have been a pay off amount of $245 became $544. Instead of charging the interest rate of 24.24% to my remaining balance, the 24.24% interest rate was charged to my original balance of $1,060 for a total charge of $302.49 in interest. I had just missed the 18 month pay off date. My two complaints are as follows: first, I am surprised that a company can charge interest on a previous balance (i.e. the $1,060 and not the current, existing balance of $245). Furthermore, during this 18 month timeframe, I made two purchases of about $450. I believe [redacted] "pick and chose" what to put my payments towards in order to ensure the'd be able to charge me the maximum interest rate. Second, is the fact that you are asked to sign up for eBilling and when you do, you are sent an email that only gives your balance and your amount due with a login to the main screen where you go to pay. If you don't dig deeper onto the main page to find the actual .pdf of your bill, you never see these nitty gritty details about how the interest rate works - so they do a good job of hiding it.

Product_Or_Service: computerDesired Settlement: DesiredSettlementID: Other (requires explanation)

I would like a partial refund. I feel I was grossly overcharged on the interest and should only have been charged the 24.24% interest rate on the remaining balance at the time the 18 month interest-free program ended. Second, I would like [redacted] to consider re-working their statement emails to have a link to the statement directly, as I feel 1) the 18 month policy is not explained well by employees and stores and 2) 18 months is counted diff

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. [redacted]Executive Response

Consumer

Response:

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

they have yet to actually respond to my complaint. They said they will not do so for 7-10 business days. Therefore, I cannot close this complaint until I see their response.

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

Sincerely,

Business

Response:

Due to privacy concerns, we have responded to the customer directly via mail. [redacted] will receive her response within 7-10 days.Thank you,[redacted]Executive Response

Review: I have contacted Citibank customer service no less than 15 times, 6 times in writing, 1 in fax, 9 in phone calls to request old itemized statements in 2009 and 2010. But Citibank had not provided these itemized statements since my initial requests on December *, 2014, 22 days ago.

On the website of Citibank, a customer like me can request old statements as far back as 02/**/2007. Unfortunately, Citibank tried to deter me in getting those statements because they either ignored my requests or sent me some paper without statements, without itemized transactions during the transaction periods such as dates, vendors and amounts .

I am seeking the help of Revdex.com to get these itemized statement from July 2009 to March 2010.Desired Settlement: Citibank to deliver my itemized statement from July 2009 to March 2010 of my MasterCard ending [redacted].

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:

Citibank sent me another set of statements without actual/itemized statement during the payment period. So again it was useless.

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:

I still didn't get my monthly statements with detailed transactions such as vendor, date and amount from Jan 2009 - Dec 2010. I kept repeat to them what I need and their representatives tried to play dump that she didn't understand what "itemized transaction" means. It shows that Citibank has a data system flaw that a customer can not trace his/her transactions back to 7 years ago as Citibank stated online. So that Citibank should be honest about their incompetent in providing such data/transactions details. A sum is not detailed transactions during a transaction period, right?

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

Sincerely,

Business

Response:

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

Review: I called to make a payment on 2/**/15 (time of call 8:32 am called lasted 7 mins 32 sec). I requested a lower interest rate and was told by [redacted] that a lower interest rate was not available at this time and to call back in a few months. I am requesting a lower interest rate for credit card. You have my permission to verify my statement and to listen to the recorded call.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like a lower interest rate for credit card.

Business

Response:

Tell us why here...Good day, We will be corresponding directly with the customer as Citi has not received authorization from the customer to release information to your office.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]My case has not been resolved and the call was recorded. You have my permission to listen to recording. [redacted] Brantley called from ###-###-#### and I was advised to return his call at ###-###-####. I was advised that my rate is 21.99% + prime rate of 3.25%. Per [redacted] I could pay off balance as quickly as possible, that would help me save money. I asked if I could speak to someone else and he said I had reached the Office of the President and that was the highest. I was not offered a lower interest rate because there was not a rate lower at this time. You have my permission for access to any information to resolve this matter. This call took place on 2/**/15.Thank you,[redacted]

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: 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 have been attempting to dispute an item on my credit score in regards to a citicard account that has been closed for 6 years. My credit score shows a negative mark in reference to the account and I have gone through the channels that citibank advised I had to go through in order to dispute the item and request from citibank that it be removed.

I was advised I had to fax my dispute to a number and I would not receive any verification that it was received. I was told repeatedly by multiple individuals that there is absolutely no way for me to get in contact with the individuals who review my dispute. Not even to ensure they received my dispute. Considering that this single negative mark is having a 65 point difference on my credit score (once it was put into dispute through experian my score raised 65 points) it is the difference of a half a percent on my home loan. Well over $70,000 over the life of my loan. This is no small issue and I think I deserve at the bare minimum someone who can update me on something that can cost me such a significant amount of money.Desired Settlement: 1) A phone call with someone to speak to whom can actually advise me as to what is currently happening with my dispute - and to verify that citigroup actually recieved my dispute.

2) To finally get this negative mark explained or removed from my credit score.

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 made a $3000 payment to pay off a no interest promotional balance and still was charge interest on in.

Product_Or_Service: riding lawn mower

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

Refund of interest charge.

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:

[Your Answer Here]

They have me no effort to fix their error or contact me.

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:

There has been no change or effort to resolve this matter.

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

Sincerely,

Business

Response:

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

Review: [redacted]topped sending me billing statements after paying a payment on-line. By the time I realized that they were not sending me billing statements my bill was 30 days late. I called and made a payment as soon as I realized I had not received a billing statement. They reported that I was 30 days late on all three credit reporting agencies. I have disputed this with the credit reporting agencies [redacted], and [redacted] with the reasons stated above. [redacted] has refused to remove this information from my credit reports. Buy the way their postal code reported on my credit report is [redacted] which was not found on your website when I entered it. I was also not able to find an email address for [redacted]. It makes it hard to file a complaint when they do not give you their information.

Product_Or_Service: TV on Credit Card

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Correction to a credit report

Remove the 30 day late payment reports from my [redacted], and [redacted] Credit reports for the month of July.

Business

Response:

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

Consumer

Response:

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

[I have not received an answer to this complaint as of yet.]

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

Sincerely,

Business

Response:

We have responded directly to our customer by mail regarding the resolution. Our customer needs to allow 7-10 days to receive letter.

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: I am a [redacted] credit card consumer. My $7600 balance has accrued a $2000 plus interest rate in after 12 mnths no interest.

Card [redacted] 07/2014 heating and air system [redacted] credit card

I looked at my statement and didn't see anything about a huge interest rate like this.Desired Settlement: Balance returned to normal this is outrageous. Interest rate for a year over $2,000

Business

Response:

We responded to the customer on July **, 2015 via the U.S. Postal Service. 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 made a purchase with my citibank [redacted] in feb 2015. I disputed the charge because the merchant didnt send me the correct item. I contacted citibank and told them the situation. They gave me credit. Then the merchant responded that I have the item when I clearly stated in my statement that the item was never unloaded of the truck and was refused. I send them a copy of the signed receipt stating that the item was refused and send back. They took the credit back and charged me again because the merchant claims that I have the item. After resending them a return tracking # from the freight company showing the item being sent back I still was not credited. Up until now after months, they are unable to contact the merchant they say I to pay for somrthing I dont have and never recieved. I call numerous time to check on the dispute and every representative told me if the merchant dont respond within the time given I will automatically get my credit. Now I am out $4500 and need to use my sons college fund to pay for it so I wont be charged interest on top of $4500 for something I dont have and never recieved. Citibank should investigate all documents carefully before reissuing a credit to merchant. They suppose to protect there credit card holdersDesired Settlement: I want a full credit to my credit card!!!

Business

Response:

We

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

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

Consumer

Response:

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

I have tried to work with citibank since march 2015 and have not tried to resolve it at all. Basically they told me I have to look at other means of retreiving my money. They dragged it all this time and told me if the merchant does not respond within the time allowed I will automatically get a refund. Now they're saying I cant get my credit and I owe $4500 for something I didnt get. I am reaching out to you to help me in the case. I have all the documents should you need it to proceed. Thank you

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

Sincerely,

Business

Response:

We

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

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

Review: A Student Loan was Charged-Off in 02/**/11 and then reportedly Charged-Off again in 11/2015. I disputed the terms and the company updated my credit file with incorrect information and refuse to review the account or return my calls.Desired Settlement: The Credit Bureaus need to accurately reflect a loan that was initially defaulted on 03/**/2007 and update the information with no reported duplicate charge off date.

Business

Response:

We

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

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

Consumer

Response:

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

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

Sincerely,

Consumer

Response:

Citibank has not contacted me via phone regarding this debt at all. I have contacted the office directly via email, phone, and through the Website Portal. I have received a letter in the mail stating the credit report was showing incorrect information and that information has been updated; however, the dates they are updating my credit report with are erroneous. This debt was originated in December, 2006. As of December *, 2015 the latest update to my credit file was that the accounts was closed on December [redacted], 2015. There has never been any payments on this account and it was closed on March **, 2007 due to charge-off. The information in my credit file is not corrected. The account closed date should be listed as the date the account closed due to charge-off which was March **, 2007. The problem has NOT been corrected and Citibank won't contact me. I want them to contact me the email address on file or at the minimum they need to contact my phone number on file and leave a voicemail so I know they are calling.

Business

Response:

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

Review: My account was taken over by a new card holder

My name is [redacted], I used my best buy credit card to purchase two item, a tv and a camera. I have made consecutive payments (double plus payments) on time and early. I have never missed a payment in over a year.

I scheduled payments far in advance. About 4 months ago my account was transferred to a new billing company. They then sent my "new card" to an incorrect address.

I called multiple times and spent many hours on hold with tons of different CS agents. All of which did not help me understand what was going on with my account or how I could get my new account number so I could make payments.

so 3 months have gone by with no way to make a payment. I am coming up on my last scheduled payment in DEC.

Then in the mail came a new credit card with a zero balance, I never asked for another account so im sure that my credit was checked and my credit score will now suffer. My credit is very important to me.

I will not use Best Buy again and am very upset that my credit will suffer when in reality I have been a model consumer never missing a payment.

I would really appreciate a gift card or some kind of reimbursement from Best Buy for my time spent on this matter.Desired Settlement: I would like an apology for my hardship in this matter and a gift card for my time spent trying to fix an error that should have taken less than 3 months to fix

Business

Response:

Dear [redacted]:

Your recent complaint, filed on behalf [redacted], regarding his Best Buy Credit account issued by Citibank, N.A., has been forwarded to us response.

We certainly regret any inconvenience or difficulty [redacted] may have experienced with his My Best Buy Credit account. Citibank, N.A. took over the accounts on September *, 2013 from Capital One. Our records reflect that during contact with [redacted] in September, he indicated he no longer was in possession of the original credit card for his account. The card information is a requirement for registration in our Account Online feature. Thus, his original account number was flagged as a lost card.

During the process of establishing a new account number for [redacted], he was sent a new card ending in [redacted]. However, his original account balance was not transferred correctly to the new account number. We have since set up another new account ending in [redacted] and a card was mailed to [redacted] on November **, 2013. The credit card should arrive at his home address within the next 10 days. His balance of $292.91 has been transferred correctly to this account number and all detailed notations for his account history. There has been no derogatory credit reporting for any of the accounts. We have closed the account number ending in [redacted] and ask that [redacted] destroy that credit card.

Regrettably, upon receipt of the new card ending [redacted], he will required to again register that account within the Account Online website in order manage his account online. As a customer accommodation, we have issued a $100.00 credit to his account, bringing the balance to $192.91. The credit will reflect on his December billing statement and will not $25.00 Minimum Payment Due by December **, 2013. We truly apologize for the inconvenience and appreciate the opportunity to respond.

Sincerely

Consumer

Response:

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

Sincerely,

Review: I have been trying to get Citi to remove a fraudulent paypal charge of $150 that was charged to my credit card on 4/**/14. After that charge, a similar one from [redacted] of $74.89 was charged. I had to change card numbers twice so far. A fraudulent Net Flix charge of $7.99 hit my second card number and they send me a new card a third time. I feel like Citi has done a poor job of protecting me.

It was re billed to my card because they say I did not respond to a letter they mailed in June. I never got the letter. So when it was re billed, I called and they resent the letter. This time I got it and filled it out, confirming that I was not connected to the charge. This was in early July. Almost two months of calling to get them to take the charge off!

On top of that, I have been calling almost every week for months to get this $150 paypal charge removed. The transaction information even sounds fake and phony, [redacted]. It says the charge was for "management and consulting services". Every time I call customer service says it will be a few days. It will for sure come off. Last I called was Tuesday last week. It was only going to be a few more days they said. It is a week later and still nothing. I am sick of calling. I have called over twenty times and talked with many people in the security department.

I am sick and tired of getting the run around. I am [redacted] and this has been too stressful. I want this charge removed immediately. Thanks.Desired Settlement: Immediate removal of fraudulent paypal charge of $150.

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,

Review: On January [redacted], I made an online payment specifying the payment should come out of my [redacted] Savings Bank account. However, the system defaulted to my husband's [redacted] account instead. Since his account does not have sufficient funds, we were charged $35 twice by [redacted] since the payment tried to go through twice. I contacted Citibank online via chat and the representative told me that once it has gone through the bank twice, the payment would be returned to Citibank and I can submit a new payment then. When I checked the [redacted] account last night, the [redacted], the payment was finally returned to Citi and the [redacted] account finally showed a positive balance. I used the balance to pay various bills. However, overnight, the payment for Citibank went through [redacted] again and the account is showing a negative balance yet again. The bills I paid last night are getting processed today or tomorrow and I'm getting hit with more overdraft fees. I've contacted Citibank again and they told me there is nothing they can do to help even though I am only getting charged all these overdraft fees due to their faulty online payment system.Desired Settlement: Since Citibank took the payment from the wrong bank account to begin with and caused all my overdraft fees, not to mention possibly affect my credit score, they should be responsible for paying them.

Business

Response:

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

Consumer

Response:

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

Sincerely,

Review: 12/**/13 I purchased 2662.52 on 6 months no interest with the 0 interest expiring on 7/*/14. On 1/*/14 I purchased $439.53 on the 6 months no interest with the no interest period ending 7/*/14. On 7/*/14 I was charged $386.70 interest for the remaining balance. They continued to charge me on a monthly basis for the balance which had not been paid off.On 8/*/14 I purchase $1577.25 on the promotional no interest which expired 2/*/15 and $301.64 on the no interest which expired 2/*/15. On 8/*/14 I returned $23.83 of the $1577.25 purchase. On 8/*/14 I returned all of the $1577.25 purchase because the items were damaged on arrival. However[redacted] only credited me with $1,241.00 because they failed to refund the $312.42 extended warranty. I disputed this charge and on 10/*/1 I was given a "tentative credit" for the $312.42. Thus, of the $1878.89 purchased in August, I returned $1,577.25 within the first billing cycle. However, on 2/*/15 [redacted] charged me $235.04 accrued interest on the entire balance, although $1577.25 had been returned within the first billing period. They should have only charged me interest on the $301.64. I have sent multiple e-mails to customer service. On 3/*/14 they credited my account for $1241.00 then turned around and charged the $1241.00 which did nothing to address the problem.

Product_Or_Service: Kitchen AppliancesDesired Settlement: DesiredSettlementID: Refund

I want a refund of the $235.04 overcharge on interest which was incorrectly charged.

Business

Response:

We have responded directly to the customer on April *, 2014. If the customer would like to further discuss the resolution, may we suggest you contact her directly.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.When the complaint got to the right person it was resolved very quickly. Thank you for your assistance.

Sincerely,

Review: I recently went to the three credit bureaus to have past due charges removed. The credit reached out to [redacted] Credit Card and they coould not remove the past dues.I supplied proof of unemployment as to the reason why I was past due which [redacted] rejected. My complaint is esssentially why I am being penalized by [redacted] for past due when I was past due through no fault of my own. I reached out to [redacted] and they could not even provide me a future safeguard against past due on my Credit Card with them because they said "that program is not being offered at this time." As a customer in good standing with [redacted] that is most unacceptable. I conveyed to [redacted] how these past due are impacting my credit and I was dismissed by Customer Service Representatives and Customer Service Representative Supervisors.Desired Settlement: I would like [redacted] to either have those past due dates removed from credit report or have a statement placed on my Credit Report by [redacted] stating that "[redacted] has been a customer in good standing and his past due dates that were incurred by Mr. John were due to no fault of his own but due to his untimely unemployment at the time and Mr.John since those past due dates has been making his payments on time."

Business

Response:

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

Consumer

Response:

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

Sincerely,

Review: Unauthorized transactions on my checking account occurred on 04/**/15 in the amount of $507.12. Reported it to bank on 04/**/2015 and cancelled my debit card. Received notification on 04/**/15 that bank would not reimburse me for stolen funds. Case # [redacted].

Specifically, the transactions on 04/**/15 were NOT authorized. This is the first time this situation has ever occurred and I have been a long-standing customer for 15 years. I was no where in the vicinity of the location where these transactions occurred. No video surveillance of identified ATM machine was ever conducted. I was in possession of my ATM card and at a Birthday party in [redacted] when transactions occurred. Online statements identified location of ATM as [redacted].Desired Settlement: Funds lost need to be replenished to my account.

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 a master card with Citi Thankyou preferred since 2004. I have never been late with a payment. Citi closed the card for inactivity without first notifying me and giving me the option to use the card. All I got was an email saying it was closed. I called to reactivate the card and was told I had to reapply to do so which required a credit check. I have excellent credit and did not want this mark against my score as I have been a loyal customer and only wanted the account I already had since 2004 reinstated. The service rep refused and said this was the only way. Then citi declined the reinstatement. Now I will have that mark against my credit rating of no fault of mine as I have been a customer in good standing with all my citi cards. I feel their lack of notification telling me first what was going to happen before just closing the account demonstrated poor business and service practices and the resulting marks that may now occur against my credit rating are unacceptable. I request that the transactions be reversed by citi.Desired Settlement: I request that any transactions against my credit rating and report be reversed and citi reinstate my mastercard as it was because they did not properly communicate what would happen and the rep did not properly inform me that a denial was even possible.

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 becauseAs of today I have not yet received any electronic or paper response from Citibank to my issue except for the original letter I called about telling me I was declined and which prompted me filing this complaint. They never even responded to the email I sent them prior to the complaint. What response are they referring to? My card is still closed for inactivity and still declined for reinstatement and the inquiry/activity is still on my credit report which I have asked for to be removed. Sorry I am confused as to what Citibank claims they did. Thank you. [redacted]

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

Sincerely,

Business

Response:

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

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that I have no choice but to accept their response because they refuse to reverse the entry on my credit report. I did consent to the reinstatement but I was not told it would be an entry or a decline or given proper information when I originally called about the card closure and I still feel I should have been given the chance to use the card before they even closed it. A warning of there terms prior to the closure should have been better customer service than what they did. This resolution is unsatisfactory to me and the matter has been resolved to citibanks satisfaction only. However I am not going to pursue it further as what's the point. Please close out the complaint. Thank you for your time and assistance.

Sincerely,