Citi

Review: Bought washer & dryer on same as cash basis in late August. Mid October realized I hadn't gotten a bill yet & called. Was promised they would send a document so I could get the invoice & pay as well as they would cancel late fees. Documents never came. Mid November I called again. Was told by that rep letter had been sent to my street address. The [redacted] won't deliver to my street address. This person would send it again. I received it & faxed the document with my letter 12/**/14. At this time I also demanded they let me pay for the washer & dryer however it was possible without telling me any information. I paid by giving them my checking account number & information and they removed all finance charges & allowed me to pay the original receipt amount. NO response to the 12/** letter. Checked my credit report on 1/**/15 & saw they were reporting me 60 days late but, the account was showing paid. Called again that day to get resolution & was told the 12/**/14 letter I sent hadn't been good enough, but no one bothered to let me know. Sent another letter 1/**/15. They've finally closed my account but are still reporting me 60 days late. These people are ridiculous & worthless. I'm honestly contemplating a class action law suit as I would image lots of people with PO boxes have these same issues and its unacceptable.Desired Settlement: Clear my credit report & pay me for all the time I've wasted on this.

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 find that this resolution is satisfactory to me and the matter has been resolved. They have promised that with 30-45 days at the most the incorrect info reported on my credit listing will be corrected. I trust them to make that happen and will refile in the case that it does not. I appreciate the assistance in getting this issue resolved.

Sincerely,

Review: Auto pay turned off without our knowledge x 2 making us delinquent and cancel our card. Turned over to collection agency - have not been contacted

Account # [redacted] - auto payment

Over a year ago my auto debit was stopped without my knowledge. I was turned over to a collection agency. Spoke with [redacted] and at that time they explained their system was unable to go beyond that date for auto pay. At that time they could set it up indiffently. I brought my account up again - my card was cancelled. I had been a customer for 20+ years. I set up a new auto payment and everything was going well until yesterday (7-**-15) when I saw on my credit report that I was 3 months past due and had been turned over to collection agency. I immediately called [redacted] and was told that I or my spouse cancelled the auto debit on April [redacted]. Neither one of us has spoken to [redacted] since the last conversation of their error. They state her is nothing they can do . I must bring my account up to date. We are both retired and it will put a huge burden on us. We plan to do it but with deep depression that [redacted] and CITI bank has done this twice to us bringing our credit score down 60+ points. I do not receive paper statements and do not go on line because I should not have to when I believe [redacted] is withdrawing the correct amount each month. They told me my bank must be at fault. I called my bank and they do not cancel auto payment when you set it up with the company. I was also there was nothing thy could do until I bring my account up to date.

Please check and make sure this does not happen to someone else.Desired Settlement: Correction or note on my credit report that auto pay was turned in error by 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?

Review: Reference # [redacted]

Applied for [redacted] credit card online.

Application was denied.

Received letter today, dated 10/**/2015.

Stated reason for denial: Too many credit inquiries.

Called ###-###-#### three times.

Spoke to supervisor, who introduced himself as Nathan. He would not give his last name.

Asked nathan how many inquiries I had on my Experian file. Nathan said he doesn't know. I told Nathan that I can't possibly have "too many" inquiries, because I have freeze on my credit file and the last time I removed it between 10/**/15 and 10/**/15 and applied for [redacted].

Nathan literally said "Even if there were ZERO credit inquiries in your credit file, if our machine declined your application due to too many inquiries, there is nothing any human can do about it".

I found his reasoning lacking. He just insisted that even if the basis for the denial of credit application was false or erroneous, it would still stand because "no human can override it" (he used the word "override").

When I told him that this will result in filing a formal complaint with Revdex.com, as well as Bureau of Consumer FInancial Protection at [redacted], his response was "I understand what you are saying but there is nothing I can do about it".

I have FICO score of 758 (as of 10/**/2015), which is considered VERY RELIABLE.

I have 3 major Credit Cards: [redacted] and B[redacted].

[redacted] is from [redacted], which requires excellent credit to qualify.

My credit limits on the 3 major cards I use have been increased by 100% in the past 1 year, due to promt payment of the balances. My current ratio of credit balance versus available credit is low.

I request the Citi to provide a meaningful explanation of the reason why it declined my application, or, lacking such explanation I request that it extend the credit under federal Equal Credit Opportunity Act and based on my credit worthiness.Desired Settlement: I request the Citi to provide a meaningful explanation of the reason why it declined my application, or, lacking such explanation I request that it extend the credit under federal Equal Credit Opportunity Act and based on my credit worthiness.

Consumer

Response:

I have been contacted by the management at Citi [redacted] Credit Card services in reference to complaint ID [redacted] and was offered a solution. As soon as I receive the written terms of offer from the Citi the matter may be considered to have been resolved.

Sincerely,

Review: I acquired a Citibank AA advantage card via the Citibank website a[redacted]n order to take advantage of the 25,000 bonus mile awarded after 750.00 in purchases during the first three months. After meeting the requirements and contacting Citibank about the missing bonus, I was told they would open an "investigation". Citibank never contacted me about the issue. The Issue should be cut and dried since the same offer is still advertised on their site. I feel I was fraudulently lured into acquiring this card with Citibank having no intention of awarding the points.

Product_Or_Service: Citibank Advantage Mastercard

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

I want my promised bonus points.

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 find that this resolution is satisfactory to me and the matter has been resolved. Citibank has stated that I will receive the promised miles in mid-February.

Sincerely,

Review: I believe I have been a victim of a predatory loan through Citibank. When we first took a home equity loan through Citi, we did not understand that we would be paying nothing but interest for the first 10 years. We paid and now are making the actual payments. I am floored that I would be so stupid as to do this. Next problem--in June 2015, I made my monthly payment. A week later I received a letter in the mail that said I was in default. I made my payment, and Citi had no idea where it was. After many, many phone calls, Citi finally found my payment and applied it to my account. In July 2015, the same thing happened. I made my payment on the [redacted], got a phone call on the [redacted] that my payment had not gone through, so I authorized another payment. On the [redacted], both payments went through and overdrew my account, which then the bank charged me fees. I have called for the last week, faxed copies of the cancelled checks, and they still have not figured out where my payments went, or given me back the fees from the bank. Two representatives said they would call me back, and I have not received any phone calls from them.Desired Settlement: I would really like a billing adjustment. Also, I feel as though I have been scammed by this company with the length of this loan. I could have paid this off in 10 years, had I realized that these were interest only payments. I don't think it is fair and I would like to be contacted about being a victim of a predatory loan. This company should be taken through legal channels for these types of loans. I'm sure I'm not the only one.

Consumer

Response:

At this time, my complaint, ID [redacted] regarding CitiMortgage, Inc. has been resolved.

(By clicking "OK", your complaint will be closed as Resolved.)

Sincerely,

Review: Citi has done several things: 1. closed the account and sent me a letter stating I requested it be closed, which was incorrect. They chose to close the account without notification and state they do not have to notify consumers. At the time of closure I had a remaining balance, which even though they closed the account they continue to assess finance charges and late fees and do not send monthly statements, I was able to access information online today to see that they are showing the account actively past due and reporting it as such. They should not be able to close the account and continue to report it as an active delinquent account, charge finance charges OR late fees. I set up automatic payments through my bank to continue to pay the balance I owe, but now that I've learned what they have done with my account, I feel they being dishonest with the handling of my account and doing further damage to my credit. I recently applied for a mortgage and was denied. I had given the mortgage company information that I was at one time delinquent on the account, Citi chose to close the account even though I brought it current and advised them of my temporary financial hardship. Also, that I was paying the balance as I could now. When they pulled my credit the account was showing as active, with a past due balance. I then logged into the account online, to see if information was available and there in fact they show the account like a normal open account. Their accounting and collection practices are simply dishonest and damaging to a consumer in numerous levels. I've also filed a second complaint through the [redacted] regarding this. They refuse to take any responsibility for their mistakes and say there is nothing they can do to help me. I asked that the account be reopened and they refused and told me to reapply for a card- what sense does that make? The account was brought current in March of 2014, Citic closed it in August 2014.

Account_Number: Account number endinDesired Settlement: DesiredSettlementID: Other (requires explanation)

I want their credit reporting practices investigated and their terms for closing a customer's account without having to notify them in writing prior investigated. Everything seems outside of the fair credit reporting act. I asked this of the [redacted] and also in their mistakes that Citi remove this completely from my credit report.

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]

Dishonest practices- they closed the account when it was current not delinquent and reported that way. Why?

Revdex.com and [redacted] need to investigate the practices of a company that does not notify consumers they closed their account, these are no efforts that help or protect consumers as [redacted] and Revdex.com claim to do. CITIs responses are one sided and do not address their mistakes- closing the account AFTER it was brought current, not notifying of closure which they hide behind a ridiculous statement that they don't have to BUT the send a letter stating I requested the account be closed and reported it that way when it was their actions. Any response they offer through their rude and condescending response will never resolve the issue. I want the practice of not informing customers that their account is being closed and then say it was the consumers request investigated as unfair acts under the FCRA guidelines.

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 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# 10228493, and have determined that my complaint has NOT been resolved because:

They are skating around the issue. At this point there is nothing CITI can or will do to assist me. Please post complaint against Citi for other Revdex.com users/consumers to be aware of. Maybe someone will see the need to investigate their methods of closing consumers accounts WITHOUT prior notice and then sending the consumer a letter stating the CONSUMER requested the account closed as dishonest practices.

Revdex.com, [redacted] are all usless organizations that don't recognize the larger issue/infractions against consumers. NO company should be legally able to close a consumers account without prior notice and then claim it was something the consumer requested. That is what CITI did, they won't account for their mistake and Revdex.com and [redacted] will not investigate.

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

Sincerely,

Review: Have this account since 1994 in that time I've been late once before this dec. ** 2014 late payment. Made payment of $50 by phone on 1/*/15 found out my credit limit was reduced by half . my problem is having an account for over 21 years accounts for nothing. I spoke with a [redacted] on 1/*/15 and she said the "computer does that and rudely said I could get an increase by giving information again. " I did rely to her that I was away at this time but would be looking into this with the Revdex.com. I also will be paying the balance and closing my account I will be taking my business somewhere else.

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

I would like for my account limit to be returned to the limit it was .

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: November, 2013 ordered 3 kitchen appliances from [redacted]Before the delivery date, I cancelled my order.Irregardless, [redacted] charged my new ([redacted] generated) Citibank Card (aka [redacted] Cardmember Services ###-###-####) with the full amount. For over a year and a half I have been trying to rectify this problem which greatly affects my credit.August, 2014 my unpaid acct was forwarded to [redacted]ollections.I forward a copy of my letter to [redacted] regarding the erroneous issue and coincidentally, [redacted] stopped contacting me.I have recently been forward to another collections agency by Citibank[redacted] ###-###-####. [redacted] informs me that this is in pre-legal status but [redacted] informed me yesterday (4/**/15) that he will put a hold on it for now. I strongly feel harassed by every company involved which refuses to acknowledge that these goods were canceled; charged inadvertently and now great lengths are being taken to try to collect from me where I OWE NOTHING. I deeply appreciate your help on this.

Product_Or_Service: Kitchen appliancesDesired Settlement: DesiredSettlementID: Other (requires explanation)

I would like this erroneous charge completely credited/erased.I would like a letter of apology from all companies involved. I have supporting information but need your mailing address, please.

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. Regards, [redacted]

Review: On 10/*/14 [redacted] Citi credit services processed a direct check # [redacted] of $82.25 to withdraw funds from my checking account without my authorization. The check cleared my bank on 10/*/14 and caused a $34.00 overdraft fee. The check says “Authorized by the depositor” but it was not made in regards to my [redacted] Citi credit card account nor has my name. I have not purchase anything in over a year, and my credit account balance is 0.00. The name on check had my father’s name, who unfortunately was a victim of identity theft some years ago. I contacted my father and he also said he did not authorized the payment. Due to the fraudulent nature, I contacted Customer Service first on 10/**/14, which a representative was not able to assist me regarding the payment because the account number on the direct check was not my [redacted] Citi credit card account number. I called a second time that evening and finally a [redacted] told me that both my father and I had to be on the same call and it had to be the next day during business hours so my bank could be contacted if needed. It was found out that the account number on the check was my father’s [redacted] Citi account number. My bank account number was associated with his since I made an electronic payment online for him a long time ago. Since I told him that neither I nor my father authorize the payment that [redacted] told me he was leaving a note on both my and my father’s [redacted] Citi credit card account number. On 10/**/14 I called this time with my father on the phone to another [redacted]. We live in different states so it was hard to arrange. Per our conference call, my father explained that the payment done on 10/*/14 was done without his authorization when he called [redacted] Citi to update his new address and have his bills sent by mail to the new address. He remembered talking to a representative who asked if the bank account listed with the last four numbers was his, he said no. This second [redacted], of which I have her name, accused my father of lying, repeating that her system showed he authorized the payment. My father asked for her to pull up the conversation that “may have been recorded” but she refused. She would not even considered that a Citi representative could have made a mistake. I explained that the previous [redacted] which put a comment stated the problem could be resolved over the phone. She again refuse to help. I and my father then asked to close our credit card accounts since we had never experience such poor customer service. She lied and said we could only close them by writing letters. I called again that evening and found out it could be closed over the phone. Unfortunately, my third attempt with a [redacted] that evening of 10/*/14 to resolve the matter and be credited for an unauthorized payment plus overdraft fees was unfruitful. I was told I could resolve it on my own the hard way by faxing a dispute letter or the easy way and I quote “by having my father pay me what was owed” implying again that we are liars and cheaters. I have been a customer of theirs for years and have never made a late payment, and had a 0.00 balance at the time, but I chose to close my Citi account because of this very frustrating experience and nightmarish customer service. It is unsettling how this company can make blank checks and steal from bank accounts without authorization and still say that the customer is a liar. They have refused to acknowledge or take any responsibility for their mistake.Desired Settlement: I wish to be refunded for the unauthorized check and overdraft fee.

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.

I am not even 30 days late on a payment and I have been relentlessly contacted by them 10 TIMES IN THE LAST 48 HOURS!!! This is harrassment! Law states they are not allowed to contact you more than once every 10 days! This company is great for offering credit, but hell if you are even 6 days late! (That's when I got my first call from them!)

Review: In 2008, my brother, [redacted], was dating Citibank employee [redacted]. He had told her to add me to his Checking Plus Account [redacted] as a Power of Attorney. Instead, she added me as a joint account. This was all done without my knowledge or presence. When I started receiving statements in my name, I went to the bank and told them that I never authorized this. They explained that they would discuss it with [redacted]. When I returned a week later, they told me that she had left the branch and that my name was no longer associated with any account! I was under the impression that my name was removed and that the issue was resolved. Seven years later on April *, 2015, I receive a letter from a collection agency stating that they are trying to collect a debt from this account. I NEVER used this account nor did I accrue any sort of debt. I immediately went to Citibank and spoke with the manager, [redacted], regarding this issue. He was rude and exhibited inappropriate unprofessional behavior. I held out my hand for him to shake, but he just walked away and sat down. I said, "Nice to meet you"; he never responded. When I was explaining the situation to him, he kept looking at his computer and ignored me. When I went in the second time, he didn't even greet me, shook his head, and threw documents at me attempting to claim that I was always on that account, which is not true. He told me he was going to contact his legal department and put an investigation through, but he never did. The 3rd time I went to the bank, he slammed his door in my face. Instead of resolving the issue like a manager, he lied and wasted my time for over a month and a half. I was told that they would make internal phone calls and they never did. I have written letters and called many departments myself. No one has contacted me in return. It is fraudulent that Citibank would authorize and allow this to occur without me being present to sign. Citibank is responsible for the actions of their employees, past and present.Desired Settlement: I would like my name to be removed from all three credit bureaus, the collection agency, as well as the Citibank account immediately. I would greatly appreciate it if this matter can be corrected once and for all as soon as possible.

Consumer

Response:

At this time, I have not been contacted by CITIBANK Financial Centers-Executive Response Unit regarding complaint ID [redacted].Sincerely,[redacted]

Review: Unethical interest charges not told to customer up front when making the purchase and using the promotion

I made a purchase on 3/**/13 of 1668.60. THe promotion was 18 months interest free. I made all timely payments and on my last statement my balance was $159.44 and the intrest promo ended 9/**/14. I made a payment of $100 because I had other bills that month. I assumed that the remaining balance would be the only thing charged interest for October, $59.44. I opened my bill today I was charged $454.51 in interest! It stated that promo was over and $508 was subject to interst (wich is only $128), normally you are only charged interest on remaining balance, so there had to be some error. I called customer service and he stated that I am charged interest on the initial purchase if it wasnt paid off in 18 months and that Im charged interest on top of the interest if that wasnt paid in full. I told him that was never told to me and never explained in the billing and that I wouldve paid the full $159.44 last month if I knew I would be hit with a $500 interet charge. I told him it was unethical and not right. He said he could take half the interest charges off. I told him that I would pay the $59.44 and be charged no interest, that was the righ thing to do. If he could take half of it off, he could take the whole thing off. They were purposely taking advantage of people by sly wording and not telling customers up front.Desired Settlement: THe $454.51 I was charged in interest needs to be taken off.

Business

Response:

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

Review: Somehow changed email address to a very very old one and also signed me up for paperless without my permission. I never got a bill!!!!!!

There is something seriously wrong with my account. When I signed up for the [redacted] Credit Card earlier this year, I used the email address [redacted] and a similar login related to that email for their website. I didn't use the card in the beginning and finally used it at the end of September, early part of October. I called in October to change my mailing address and was advised that my login was [redacted]. I also verified my email address and authorized users. At no time did I ever sign up for paperless statements. Why would I even bother changing my address before I had the new address if I wasn't going to be getting paperless statements? I believe that the breach that they had recently caused some issues similar to replacing email addresses with old ones associated with individuals (same name). Come to find out the email address they had been sending everything to was one that I stopped using about 2 years ago. I was completely bewildered. I logged into my old email to look for something unrelated and came across all of the notifications from [redacted]. So, not only were they sending my notifications to the wrong email... they had me listed PAPERLESS. I never received ANY STATEMENT, NONE! I attempted to login to the account that I had online (again), just like I had done in October and it wouldn't let me in. IF SOMEONE IS LISTED PAPERLESS (WHETHER BY CHOICE OR ERROR), YOU ARE AUTOMATICALLY LOCKED OUT IF YOU MISS A PAYMENT AND HAVE TO CALL THEM! That is a serious glitch in the credit card laws. If someone is listed as paperless, they SHOULD have access to statements at all times, whether or not they are late. The representative that I spoke with on the phone told me that she couldn't reset my password to let me into the account until I made a payment. Really? Yea, I don't think so. Citibank is going to get into some serious trouble for this and I'm notifying the feds.Desired Settlement: There is a late fee on the account. You will credit the late fee. I want my account immediately closed. Pretty sad that this happened over a $60.00 bill. Too bad no one ever thought to send me a paper bill after I requested one in October, in case the one that was sent didn't make it to my new address. I would love to know who the heck signed me up for paperless billing. I would also like to know where Citibank gets off saying they are going to hold statements hostage until a payment is ma

Business

Response:

Citibank received this complaint via the Atlanta Revdex.com, ID # [redacted]. A response was sent directly to the customer on December **, 2014.

Review: On Saturday, May [redacted] I went in to [redacted] to purchase a refrigerator. I had 3 separate [redacted] cards that I wanted to use and have the payment spread across all of them. I was told by the sales associate that in order to get the store's promotion of 12 months no interest financing I would only be able to use one card. The sales associate offered to call up their credit card hotline and see if they could do a credit extension on one of my cards. I talked with a lady on the phone and explained the situation to her and she confirmed that I would need a credit extension and submitted the request. I was denied and was about to leave the store, when another employee stopped me and said I could spread the payment across all three cards and still get the 12 months no interest. I called [redacted] Credit Card services again today, 06/**, to see if they would help me remove my credit inquiry from Saturday from the bureaus but was told they could do nothing and that I would need to reach out to each bureau myself.This is extremely frustrating and horrible customer service on [redacted]' part. Due to the lack of knowledge on their specials they were running, both from the store associate and the lady on the phone from the credit department, I had to take a hit on my credit for no reason. It is unfair to me as a customer to take the hit for this. Had the employees been properly informed, this would not have happened. Besides, even if I reach out to each bureau individually, I am going to have to get some sort of letter from [redacted] approving the inquiry removal, so I don't see why they are not helping me out with this.

Product_Or_Service: Kenmore Refrigerator

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

DesiredSettlementID: Other (requires explanation)

I would like to have the credit inquiries removed from all 3 bureaus.

Business

Response:

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

Review: Our mortgage company has failed to adhere to the terms of our mortgage agreement. Our loan agreement provides for the payment of taxes to be our responsibility and we do not agree to have an escrow account for our mortgage. We have held the mortgage for several years. Due to the fact we pay property taxes with company bonuses, we pay them once per year and the payments are always late. Every year we receive a request from Citi to provide proof that the prior year taxes which we have always provided. Last year, Citi paid the current due taxes, without any notice or consent from us. They acknowleged their mistake after several contacts. They ended up putting us on a repayment plan to pay these taxes that is $300/month and includes $42/month interest which is far more than the state would've charged us. Our payment rose from $909.56 to $ 1,209.56. This year they did the same thing, paying $3094.19 that was due on 3/*/2013 on 5/**/2013 without any notice that they were going to do so. In addition they will begin charging us $1,973.30 on 7/*/2013 to include our payment, repayment for taxes paid last year without consent and this year without consent AND the addition of payment to escrow account without consent.Desired Settlement: Bottom line, this company needs to adhere to our agreement and stop paying current taxes and not collect money for escrow. They need to subtract $336 interest charge from the taxes they paid outside of our agreement to date. They need to provide a more reasonable payment plan for the taxes they paid outside our agreement WITHOUT adding any interest charge because they should NOT have paid the taxes per our agreement. $1064 added to our regular monthly payment of $909.56 is NOT acceptable. They are to STOP autodeduction on our bank account because they are changing the terms on our loan WITHOUT agreement.

Business

Response:

Dear [redacted]

This letter is in response to the July *, 2013, correspondence received from your office regarding your case number [redacted] for our clients listed below.

Mortgagor: [redacted]

[redacted]

Property Address: [redacted]

[redacted]

We have investigated this matter and addressed [redacted] concerns with them directly via a letter dated July **, 2013. We have no record of receiving a signed authorization to release account information; therefore, we are unable to provide any details to you about our investigation. Please contact [redacted] directly if you require further information.

Should you need additional assistance regarding this matter, please contact the Executive Response Unit by telephone at ###-###-####, extension [redacted], Monday through Friday, 8:00 a.m. to 5:00 p.m., CT. Thank you.

Sincerely,

Executive Response Unit

Business

Response:

Dear [redacted],

This letter is in response to the November *, 2013, and November **, 2013, correspondence received from your office regarding your case number [redacted] for our clients listed below .

Mortgagors* [redacted]

Property Address:

As previously stated in our correspondence dated October **, 2013, since we have addressed [redacted] and [redacted] concerns in full as related to the tax disbursements made on their behalf, we consider this matter resolved at this time. Unless we receive evidence of items that we have not previously researched and addressed, we will no longer be responding to this matter.

Should you need additional assistance regarding this matter, please contact the Executive Response Unit by telephone at ###-###-####, Monday through Friday, 8:00 a.m. to 5:00 p.m., CT. Thank you.

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:

The business did not honor the contracted agreement. Their response only reflects the fact they proveided a response not a resolution. They have decided to establish an escrow account that was not agreed upon without express consent in writing as well as pay taxes in addition to what was requested in writing. Their goal was to charge interest and penalties on money we never agreed to borrow and collect interst on an escrow account we never agreed to. In fact, they just raised our payment again effective December, 2013 to $1526.98. So far without our permission and always with less than a month's warning our payment has been changed from $909.47 to $1209.56 to $1973.30 to 1467.57 to $1526.98. These changes to terms and payment amount without agreement are illegal and it should go on their record as such. I would like to know who I can file further complaint with regarding this matter.

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

Sincerely,

Review: At the time my November 2014 payment was due, my husband (for whatever crazy reason), cashed his paycheck instead of depositing it into our bank account. By doing this, although we did have the money for the payment, I was not able to make the payment on the due date because the money was in cash, not in the bank account. I called the customer service number and explained the situation. I asked if I could schedule the payment for the next business day to allow me time to deposit the money, and avoid having a late payment. I was told no such option was available, that I should wait and make the payment the following week, then call after the payment had posted to have the late fee removed. I did what was recommended to me, and the company did remove the late fee. The company DID NOT, however, tell me that they were going to raise my minimum monthly payment from $25 to $44. This may seem like a small amount that would not be a big deal to pay. For some it may be. For us, it just might push us over the edge into bankruptcy. My husband lost his job last November - just two weeks before our third child was born. Since that took place, we have been selling every possession that we own to try to make ends meet. We've sold our vehicles, our TV's, our clothes (other than BASIC necessities), our furniture (other than BASIC necessities), our kid's toys and games. Anything that could be sold. And although my husband is working a job now, it only brings in about one third of what we were living on before. Right now, our budget is down to the penny. After the bills are paid, there is NOTHING left. So when I called to make my monthly payment, and was told I had to pay $44 instead of $25, it just is not possible. Furthermore, I was not notified that the payment had been increased. My most recent statement did show a higher amount due, but since it did not reflect the late payment that had been received or the late fee that had been removed, and since there was nothing on the statement stating that the minimum monthly payment had been increased, there was no way for me to expect a higher amount to be due this month when I called to make my payment. My family has made drastic sacrifices this year in effort to pay back what we owe instead of just filing bankruptcy and walking away from everything. Instead of buying diapers for my baby, I use kitchen towels and safety pins as diapers. We no longer have TV, cell phones, and many other things that most people would consider "necessity". There have been many times that my children were hungry, and all I had to give them was a spoon of peanut butter (out of a box of food I received from the food bank). And now, because this ruthless company is run by someone with no morals or compassion for families that have fallen into truly difficult circumstances, after all of our sacrifices and efforts, we are going to be forced to file bankruptcy because this company insists on raising our minimum monthly payment by $19 a month.Desired Settlement: At minimum, the company needs to reduce my monthly payment back to the original $25. This company should also offer a hardship program like every other creditor I have, which would eliminate or reduce the interest paid, eliminate or reduce the late fees that are charged, and allow the customer to set the monthly payment to an amount that they are able to make during their hardship.

Consumer

Response:

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

The company contacted me directly after submitting the complaint, and resolved the issue. Thank you for your help.

Sincerely,

Review: I have called in countless times due to my account. This time Citi has recharged the promotional interest to my account when it should not be. I called in a rep told me it would be taken off in 2-3 billing cycles and to make a payment of $30. When I did that I got charged a late fee and when I called in another rep told me no that money needed to be charged and the rep was wrong. I have had to call into Citi about 7-8 times. This has become extremely ridiculous that CITI cannot properly keep track of someone's account.Desired Settlement: Whether the promotional interest should be on there or not CITI needs to remove it due to the fact I have on recording a representative saying that interest was charged by accident and it will be removed. This has now become a verbal contract since the employee is a representative of CITI's and I was smart enough to record the conversation as I consented to it being recorded and CITI is now legally obligated to remove the interest from my account which it should be anyways. Also any late fee's I have incurred need waived as well and any negative reports sent to the credit reporting agency need removed as CITI cannot tell the truth.

Business

Response:

We will be responding in writing via the U.S. Postal Service to the customer as of February **, 2016. The customer should allow 7-10 business days to receive our written response. Should the customer have additional questions or concerns, they can direct those to the address listed in our response.

Review: This is in regard to Citi Reference No.: [redacted]. This complaint stems from issues with regards to obtaining credit card and bank statements older than one year.

I needed my bank records to submit to my accountant by October **, 2014. I went to multiple branches and made numerous phone calls to try and obtain older banking records in an expedited manner, however, Citi informed me that I would have to wait at least 24-48 hours for the banking information to be sent to me. However, I did not receive the records either via mail or email within that time frame.

Additionally, I stressed to all of the Citi representatives with whom I spoke with that I needed these records in order to submit same to my accountant for tax purposes. I spoke to several members at Citi, including a [redacted] named [redacted], who told me that he would have the records sent to my email by the close of business on the day we spoke, this did not happen. Other members at Citi also informed me that they would supply me with the records, however failed to do so. Finally, about 4 days after I first began my inquiry and after about the fifth phone call, another member at Citi emailed me my records expeditiously.

The whole experience was disastrous. It should not take Citi 24, 48 or 72 hours to send their client old banking records. Same should be available online all the time. I am also a banking client at [redacted] bank and [redacted] bank provided me my old records within 5 minutes of my request. Currently, Citi's policy and ability to properly help their customers is below par. If a competitor bank can supply their customer with old records within 5 minutes of a request, then Citi should be able to do the same. Moreover, they do have the ability to provide old records quickly because, after my fifth call to Citi, their representative emailed me my records in a very timely manner. This tells me that Citi's policy of preventing their customers from instant access to all of their banking records is outdated and works against their customers by making it harder to bank with Citi.

Finally, as a result of this delay, I was unable to provide my accountant with the necessary records, and he will most probably have to re-file my taxes again. This will both be a waste of my time and financial resources.Desired Settlement: I would like Citi managerial representative to contact me with regard to these issues.

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 am being extorted by [redacted] for hundreds of dollars and no one will talk to me about it!

A couple of years ago I went into a [redacted] store to buy a bluetooth speaker for personal use. When checking out the cashier told me that he'd give me $40 or so off if I signed up for a [redacted] credit card. I obliged after some cajoling and gave him my information. The event more or less disappeared from my memory. I never received a phone call, email, or letter from [redacted]. Maybe a year had passed (I'm not certain of the dates) and I received a call from a collections agent saying I owed them hundreds of dollars. I ignored it initially, not remembering that fateful day from a year before. I tried to call [redacted], go to a store and talk to a [redacted], but no one will talk to me about it. They all say to call someone else. I am now receiving threatening phone calls at all hours of the day and night. I have told them that I will pay them the original sales price without the $40 discount but no more, but no one will even tell me what that price was (I'm pretty sure it was under $80). They just demand that I pay them in the range of $300 - $600 depending on the day. The worst part is that I'm now trying to buy a house and I'm now finding out that [redacted] has repeatedly reported me to credit agencies, massively reducing my credit score.

I am in charge of IT for two businesses. I have put a ban on shopping at [redacted] at both businesses and personally don't go to your store. I am trying to sever ties with you. Your extortion scheme has got to end! Just leave me the * alone and stop trying to destroy my life!Desired Settlement: I would like to know the original price of the purchase. I would like to pay for the original purchase. You don't even have to give me the $40 off that you promised me. I would like for your people to stop calling me and telling me that I owe them hundreds of dollars without providing me proof or tell me the original sales price or date of transaction or anything. I would like my credit to be returned to good standing so I can buy a house. I would like someone to be willing to communicate with m

Business

Response:

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

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 called and gone to [redacted] stores for months and everyone refuses to talk to me about it. I'm pretty sure they are lying. I will let you know if they actually contact me.

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

Sincerely,

Business

Response:

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

Consumer

Response:

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

[Your Answer Here]

I'm really grateful to the Revdex.com. Citi bank is now partially responding to my communications! I received a letter explaining how they purchased my $89.97 debt that I was unaware of and tacked on $224.57 before selling it to a collections agency, all that without making any effort to contact me. Citi Bank's rampant deception and fraud is a well documented. They were found guilty of collapsing the global economy, stealing thousands of people's homes, and defrauding the American public and only had to pay $7 billion. If you ask me they should all be serving life sentences in prison, not buying my [redacted] debt and inflating it 250% and using my money to [redacted] so they can [redacted] even more hard working Americans. I thank CitiBank for giving me the information about my account. It is good to know that there was only one purchase on my account, but that unfortunately means that CitiBank is the only one trying to screw me over here. This is the first evidence that I have received that the collections agent is not a scam artist. I probably owe him an apology. I was very skeptical of his requests. This is also the first bill I have ever received regarding my [redacted] purchase. Have you guys heard of phones? Or email? None of your correspondences have given me any way of contacting you aside from filing Revdex.com complains, hiring a lawyer, or going through the Attorney General. No. My complaint is not resolved. Having finally received a bill, I would like to dispute the validity 250% interest without ever sending me an invoice. The guy said I'd save $40.I would like to pay for my original [redacted] purchase of $89.97 but nothing more. I would like Citi Bank to explain to their collections agent what they have done and apologize to them, buy back their debt sale and send me a bill for $89.97 that I will gladly pay. [redacted]

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

Sincerely,

Review: As per fax that I sent to [redacted]: no response yet.June **, 2015We received a written notice via standard mail which stated that we had not paid on our [redacted] card and we owed over $240. My husband spent over 2 hours on the phone attempting to determine how this had happened; we have been members since 1989 and we pay all of our bills on time. Although at no time was email confirmation obtained (Citibank cannot determine WHAT email account they supposedly sent these bills to; the last email correspondence we have from them/you is dated 5/**/13) my husband opted to pay the entirety of the bill due to the fact that in the time it took him to respond to the letter, the amount owed had jumped again, due to finance charges! He was unable to give this issue the amount of attention it required due to the fact that his brother was in hospice; we agreed that we would revisit the issue again once we had time. He issued payment via checking account as follows: June [redacted] 2015 $279.34Heres the facts; there were apparently charges dated as follows:Dec. 2014 $39.02Jan. 2015 $34.99Feb. 2015$22.95TOTAL $96.96There is absolutely no indication that we ever received an email; I have checked all possible email addresses and cannot locate a single email from your company past 5/*/13. I have called REPEATEDLY and been told No one is able to locate the actual email address. (as per Chloe, Mr. B[redacted], Rohan, and several other people to whom I spoke). It is beyond unfair and unethical for us to be billed for finance charges in the amount of $182.38, when your own company cannot confirm the email address of the billing. It is especially hurtful when this happens to people who have always paid on times, SINCE 1989. At no time did we change our email address with your company; it is VERY concerning that no one can locate the actual email address that was billed, if one even was.I am requesting a refund for the finance charges in the amount of $182.38.Desired Settlement: Refund of untraceable finance charge of $182.38Correction of my credit rating, and that of my husband [redacted]

Business

Response:

We responded to the customer on July **, 2015. The customer should allow 7-10 days to receive our written response. Should the customer have additional questions or concerns, they can direct those to the address listed in our response.