Citi

Review: I haven't been receiving statements from [redacted] . Therefore, I have a late payment from August on a [redacted] credit card that was issued by Citibank. I enrolled in their debt payment protection program to cover me in the case of financial hardship. The debt protection covered the late payment, but seem to have been applied to the wrong months causing the late payments. Also , I haven't received a statement since June from [redacted], and I do not know why. To quell this I have enrolled in E statements. I have been told several times by several escalation specialist (Paul, Sherri, ETC) that the late payment from August would be removed in 30 days and it hasn't been removed. I was advised that Sherri submitted the removal request to the incorrect department and this is why it wasn't removed. On November [redacted] I was advised by Paul that on December [redacted] the late payment would be removed and it was never removed. Today I spoke with Corey ([redacted]) and he advised that the there are no notes that specify that the late payment would be removed.Desired Settlement: Requesting the 30 day late payment from August to be removed from all credit bureaus.

Business

Response:

We responded to the customer on December **, 2015 via the U.S Postal Service. The customer should allow 7-10 business days to receive our written response. If the customer would like to share this information, they can provide a copy of our response to your office.

Consumer

Response:

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

Sincerely,

Review: I applied for a Citi Credit Card that advertised 20,000 points with $0 spending. I was sent the card but they are claiming that I have to spend $1,500 in 3 months to get the 20,000 points. This is bait and switch. When they replied to my email message, they said they are aware of the problem but do not have a time frame to resolve the issue. The only reason I applied was because I thought I was getting the 20,000 points with $0 spending required.Desired Settlement: I would like the 20,000 points with $0 spending to be credited to my account.

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 becauseCiti has not resolved this issue as of yet. They merely stated that they are aware of the discrepancy between the advertisement and the actual points awarded. I have not yet been awarded the points that I was promised. I do have a screenshot of the advertisement and it should be honored as stated.

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 this resolution is satisfactory to me and the matter has been resolved. I am only accepting this because I was told I would receive the points as advertised by April **, 2016. If this does not happen, I will file another complaint. Thank you.

Sincerely,

Review: Interest rate increase for promotional purchase that was never used.Late fees and penalties for payment made at the store location.which resulted in over credit amount limit because of the above.I have sent 2 letters to dispute the billing situation and have heard nothing back.Now they have turned me into a collection agency.Desired Settlement: DesiredSettlementID: Other (requires explanation) bill adjustments

Business

Response:

RE: XXXX-XXXX-XXXX-[redacted]

Dear [redacted]

We are in receipt of your inquiry from the Revdex.com of New York, regarding the above-referenced [redacted] MasterCard account, which is issued by Citibank, N.A. We appreciate your patience while we reviewed this matter.

We understand your concerns regarding the management of your account. Our records indicate that on the November 2012 billing statement, a minimum payment of 209.02 was due by December **, 2012. A payment for $160.00 posted to the account on December **, 2012. Since the payment was received not by the requested due date, a late fee of $35.00 was assessed to the account. On the December 2012 billing statement, a minimum payment of $267.75 was due by January **, 2013. Since no payments were received or the payments received were less than the requested minimum payment dues, late fees totaling $245.00 were assessed for the months of January through June 2013. We consider the balance to be valid.

In regards to your concern regarding the Annual Percentage Rate and promotional financing, the Annual Percentage Rate has been Prime + 21.99% for merchandise and Prime + 23.90% for cash since the account was opened in March 2010. The Prime Rate is currently 3.25%. We have no record that you have ever taken advantage of a promotion on the account. Additionally, we have no record of correspondence from you.

The account charged off on July **, 2013. Due to the level of delinquency, the account has been placed with an outside agency, [redacted]. Any questions, concerns, or payment arrangements for this account must be referred to them by calling ###-###-#### or by writing to [redacted]

Thank you for allowing Citibank to be of service.

Sincerely,

Presidential Communications

Review: I was sent an advertisement stating if I applied for their credit card, got accepted and charged $500 in the first 3 months I would get $75 in gift cards (through their points program). I did apply, and got accepted and spent over $500. I have been waiting and waiting for the points to post. They never did. I have contacted them about the matter and they have said "we do not show you were solicited to receive the offer" and" we are unable to review your dispute" . -I received the card in November, 2012 -spent over $500 by the 3 month time frame. The mailer states it can take 3 billing cycles to receive the points. I have the original mailer and my application ID number given to me by the representative who filed my application. I also have our communication in writing through my credit card website.Desired Settlement: I would like the points I was offered when accepting the terms of their credit card.

Business

Response:

Dear [redacted]:

This letter is in response to [redacted] recent inquiry related to the promotional offer associated with her Citi account.

I spoke with [redacted] on August **, 2013 to confirm that our records indicate her account was established on October **, 2012 with the promotion to earn 7,500 bonus ThankYou points after $500.00 in purchases within 3 months. I informed [redacted] that since she did not meet the purchase requirement within the allotted time frame, her account did not qualify for the bonus. I regretted she received incorrect information from our Secure Message Center related to the promotional offer and advised [redacted] that I applied 7,500 ThankYou points to her account as a gesture of goodwill.

Should you have any additional questions regarding this matter, please contact me at the above address.

Sincerely,

Presidential Communications

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: This account has been paid and they continue to report negatively on my credit report. I am requesting complete removal from all credit bureaues

Home Depot account number is [redacted] which is paid.Desired Settlement: I am requesting complete removal from all credit reporting agencies.

Business

Response:

We will be mailing our response letter to the customer directly.

Thank you,

Executive Response Unit

Review: Has been waiting since June the [redacted] for them to resolve this issue about someone other than myself using the prepaid debit card that they were supposed to be sending me. I've been continuously calling for them to only tell me they have no record of me calling since the [redacted] of June which I know is a lie. Every time I call to get this issue resolved I'm hung up on. They have yet to even mail me the correct forms that I have been asking for for well over two and half mos! I need my money back who has money to just be giving away to randoms??Desired Settlement: Refund my money back on my card

Business

Response:

August **, 2014

To whom it may concern:

Citi Prepaid Card Services has attempted to reach the customer at the number provided and have been unsuccessful in reaching the her to assist with this dispute. A dispute form can be mailed to this customer however the mailing address needs to be verified prior to the form being mailed.

Citi Prepaid Services will be happy to assist this customer if she would call our Customer Service Center, verify her address and request to have the request escalated to our offices. Our Customer Service Center is available 24 hours a day, 7 days a week.

Best regards,

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]

If I wanted a dispute form I wouldn't even be having this conversation with you all! And as far as anyone trying to contact me that is a [redacted] lie! There ain't [redacted] to dispute if I'm not the one who even received my card something needs to be done and be done NOW!

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

Sincerely,

Business

Response:

[redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint

submitted on September *, 2014 from [redacted] regarding potentially fraudulent transactions posting to a prepaid card issued by Citi Prepaid Services on behalf of Metro PCS. As a business that aims to provide a positive cardholder experience, we strive to resolve all cardholder issues in a thorough and satisfactory manner.

Upon speaking with the customer on September *, 2014 and providing information regarding the filing of fraudulent claims, the customer agreed to complete the required forms to initiate the fraud process. Citi Prepaid Services forwarded the appropriate forms to the customer’s email address at her request.

We regret that [redacted] encountered these concerns and hope that this has resolved the matter. If the Revdex.com should have any additional questions, please feel free to contact me at the number and information found below.

Sincerely,

Review: I am a credit card holder of the Home Depot Credit Card, which is underwritten and issued by Citibank. My original credit limit when I was approved and issued the card was $10K. I never missed a payment, nor did I ever exceed my credit limit. Several months later, while reviewing my credit scores and my credit reports, I noticed that my overall revolving credit had decreased, and that my credit score was negatively impact as a result of this decrease in my overall revolving credit. I checked my available credit at each and every one of my credit cards. The only one which had decreased was my Home Depot Credit Card. Without any kind of notice, let alone any kind of authorization from me, Citibank had halved my credit limit to $5K.

I emailed the card's customer service representatives and engaged in a polite email exchange which ended on Aug [redacted], 2014. I had asked them if re-instating my original credit limit would require a hard credit pull against my credit report. They said yes. I then complained to them that I was trapped into a situation which negatively impacted my credit reports. They halved my available credit without notice and without my authorization. This hurt my credit scores. And there is no way for me to remedy the situation because re-instating my original credit would require a new hard credit pull, which also negatively impacts your credit scores. Their customer service representatives replied by saying that they couldn't do anything about the situation.Desired Settlement: I am requesting that Citibank repair the damage they've done to my credit history due to their unauthorized, and unannounced, decrease to the credit limit of my Home Depot Credit Card. Specifically, I am requesting that they re-instate the original credit amount for which I was approved and issued the card, without running a hard credit pull.

Business

Response:

We will be corresponding directly with the customer per 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:

The business has not corresponded with me beyond replying to my customer service inquiries, a conversation which ended in its entirety before I even filed this Revdex.com complaint. The response from the business implies that they have sent me a request to authorize some sort of communication on their behalf to the Revdex.com. No such request was ever made from the business. Therefore, I hereby authorize Citi to reply to this complaint through the service provided by Revdex.com.

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.

Review: I paid off my Home Depot credit card. and they never sent me a bill After it was paid. there months later I get a call from their credit department for 75.95 for monitoring fees and late charge. my credit is messed upI pay my bills on time. can you help me

Product_Or_Service: credit serviceDesired Settlement: DesiredSettlementID: Replacement

I think they should go back and fix it. it was't my fault

Business

Response:

Thank you for your communication regarding [redacted]'s Home Depot 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.

Thank you,

Review: On approximately * or * September 2014, I tried to make an online payment of $3,892 from my Bank of America (BOFA) account. As I was making the payment, the screen timed out and I had to log back. When I logged back in, I went back to the payments page and continued to make the payment. I made the payment for the same amount and when I received the thank you for your payment of $3,892 dollars page, I realized the amount came out of my Huntington account and not my BOFA. I immediately contacted CITI and they informed me they were going to cancel the paymet that was supposed to come out of the Huntington account and they would ensure the money would come out of BOFA.

On approximately * or * September 2014, I contacted CITI because the balance remaining on my CITI card was not accurate. I then checked my Huntington account and realized CITI tried to take the money from my account that I already told them was not going to be there. My Huntington account subsequently charged me $37.50 for a returned check fee. I explained this to the CITI representative and the CITI representative told me they they would mail me a check for $2, 900 for an overpayment because CITI said they received over a $7,000 payment, to which my balance was only at approximately $5,000. I explained to the CITI representative that I did not want a $2,900 check because they never received the $7,000. The representative was confused, but I explained the situation to her, she told me they would refund me the $37.50 that my bank charged me.

On ** September 2014, I contacted Huntington to see if they could waive the fee and they said I had to contact CITI. Huntington informed me that on ** September 2014, CITI tried to withdrawal the money again, after I contacted them and told them the payment was supposed to be stopped and after they told me they would stop it. I called CITI and they informed me there was no way for them to refund me the $70.00 because the original payment was made online and there was no way for them to provide me with a refund. I explained that this contradicted the information that was told to me the time I called. The CITI representative continued to say there was nothing she could do for me although it was their fault from the time the screen timed out until now.

CITI was not willing to work with me for their mistake. Huntington was nice enough to waive $40.00 out of the $75.00, but CITI should still pay the difference. I think this is a bad business practice and it shows how poorly CITI representatives are trained and how their personnel are not on the same page when it comes to customer service relations.Desired Settlement: CITI was not willing to work with me for their mistake. Huntington was nice enough to waive $40.00 out of the $75.00, but CITI should still pay the difference

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 became unemployed over the past two years and needed financial help. I was placed on a hardship program with my [redacted] credit card which is owned by Citibank, N.A. in the past. I have been making my payments for the past few months and have successfully completed my hardship program. In August of 2014, the "detach and return lower portion" of my [redacted] bill stated all pertinent information such as due date, new balance, past due amount, and minimum payment due. No where does it say promotional balance or at the very least for minimum payment the remaining promotional balance that has become due. I made the "minimum payment due" for August 2014 which said was $25.00. Then in September the "detach and return lower portion" minimum payment due said $25.00 but the outstanding balance shot up to $699.49 when the previous month it was $487.12 (my account in closed and no purchases were made). I called and spoke to [redacted] at customer service and he informed me my promotional balance had expired and that I was now responsible for $237.37 in interest. I was shocked. I completely forgot all about the promotional balance especially since the card was closed due to me needing financial help. I questioned why this information wasn't were I could easily see it such as the "detach and return lower portion" page like Lowe's Home Improvement does. I felt like I was tricked. [redacted] couldn't do anything for me so he transferred me to a [redacted] or a [redacted] named [redacted] and [redacted] again said "all you had to do was look on page 2 and 4 and that would have told you about your promotion" all sarcastically. I'm well aware that some where on this lengthy billing statement is an expiration date for the purchases that was bought more than 18 months ago; however, I feel like if the bank was being honest and wasn't trying to trick me they would have placed this information right up front on the first page or at the very least include it as my minimum payment due. Given the facts that I informed [redacted] about and also the financial strain my family has been under all he would do was take half the interest away if I paid the entire promotional balance off today (which was $437.12). I don't feel that is fair given the unethical collection process and the bait and switch the billing statement presented to me. I am now left with $132.65 balance which is all interest. I don't feel I should pay any interest at all because if I would have known on the billing statement in August of 2014 that the promotional purchases was expiring I would have found a way to pay it off then. Please help me.Desired Settlement: Please adjust my closed [redacted] credit card (which is owned by Citibank, N.A. )in the amount of $132.65 which is all interest.

Business

Response:

Thank you for your communication regarding the customer'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.

Thank you,

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: 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.

Review: When we opened out account with [redacted] in 2012, both I and my husband signed the paperwork to purchase a tractor. Apparently the page with my signature and personal information was discarded by their employee or maybe it was kept by that employee. [redacted] credit cards are funded by Citibank. When our card expired in April of 2014 we notified Citibank that we needed a new card and Citibank refused to send us new one because they claim it violates National Security laws for us to have a postal mail box. What???? That’s the most ludicrous excuse ever manufactured in light of the fact that they accepted our postal mail box address when we applied and even mailed statements to our postal mail box address in the beginning. Also when I send my payments they are addressed to a P.O. Box, which would be illegal and a breach of National Security as well following their line of reasoning. Subsequently, Citibank closed our old account because of this alleged National Security breach, opened a new account in our names using our information, they claim that they transferred the balance from the old account to the new account and now refuse to give us the account number, the amount owed or any information about the new account. I have tried to get this information since August *, 2014 and Citibank refuses to speak to me because I am a woman and will only speak to my husband. They consider me nothing more than chattel of my husband and refuse to recognize that I signed paperwork when we opened the account. They claim that I am not an account holder. This is degrading and discriminatory and makes me wonder exactly what they are hiding. I have been making the payments on this account since day one and the payments have been made from my paycheck. That being said, I sent a check to [redacted] Credit Cards in the amount of $100.00 on September **, 2014 (due to their threats of charging late charges and adding to our unknown balance) and put the old account number on it since they refused to give me the new account number they claim they opened in our name (for which they have not provided proof of this new account). My check, #[redacted], cleared my bank on September **, 2014 and was credited to my old account according to the endorsement on the back of the check, which is closed according to Citibank. Where did my money go? Why won’t Citibank tell me what my new account number is, whether my $100.00 was credited to my account or one of their personal accounts, what my balance is and why they treat me as only property of my husband and that I am to be kept in the dark about these issues? This is affecting my health and causing me to have [redacted] pains for which I will be seeking medical assistance. I have never experienced or been treated before for [redacted] pains. This is what Citibank is doing to an elderly person.Desired Settlement: I demand that a full audit of Citibank is done to prove where my $100.00 went and what my balance is. I demand that I am issued a public apology for the degrading manner in which I have been treated. I further demand that we are given the information needed to make payments on our account, such as the balance and account number and that any medical expenses I incur and subsequent legal expenses due to the stress I have been subjected by Citibank are covered by Citibank and that responsibility for these expenses are to be stated in writing.

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

Review: In the summer of 2011 2 of my friends and I went into the [redacted] store in [redacted] to look at TV's. One of the sales people came over to help us and after a very good description of one of the sets my friend [redacted] and I both decided to buy a new TV. At the register the sales person asked if we wanted to open a [redacted] card. I was not really interested in opening another credit card, but the sales person convinced me to do so by offering interest free financing. I question him on how payments would be applied to card over the 36 month interest free period and also if it was a balloon payment. I found out it was a balloon payment at a criminally high interest rate, but I also calculated the payments out to be about $70.00 dollars a month paying the purchase off in 20 months. I then asked the sales person how the payments where applied to the purchase and he read off his computer that payments would be applied to the oldest purchase first. Last week I went to pay my bill and there was a financing charge of $1,200.00 on my account. I called the [redacted] card call center and they told me this was a finance charge from my first purchase back in 2011. I told them I had been making payments on this account for 3 years totaling over $2500.00 and they told me that the payments where not applied to my first purchase that they where applied to new purchases as I made them. I told the person on the phone that this was not how the payments where to be applied according to the agreement I was given when I open the card and they basically told me well, that's not how they do it so too bad. I told them I would never have opened the card if I had known they where not going to honor the agreement made at the time of purchase. They then offered to remove the $1,200.00 if I would give them a payment over the phone for over $500.00 right then. I told them I had no way to make a payment this large and should not have to because I had already paid off the purchase 16 months ago.

Product_Or_Service: LED TVDesired Settlement: DesiredSettlementID: Other (requires explanation)

All I want is for them to remove this ridiculous interest charge and do what they said they where going to do when I bought the TV which was apply the payments I have made to the oldest purchase first. I want them to put my account into good standing and straighten out any problems this may have caused with the credit reporting agency's. What they have done is highway robbery, I want them to fix this problem and make sure they never do this to

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.

Review: I called the [redacted] credit company in June of 2011 and had my husband removed from my account, I was the primary card holder, the bill came to my address, with my name. Yesterday, October **, 2014, My ex-husband was able to call and have my account closed because [redacted] never took him off of my account. I called today to try and have this corrected and they have no record of me calling to take my husband off. [redacted] has poor customer service and also has messed with my credit without my authorization. I do not understand how they can close an account without my authorization. This does not seem legal.Desired Settlement: DesiredSettlementID: Replacement

The account needs to be reopened without affecting my credit. They want me to come in and reapply for an account, I already had an account. It will affect my credit to have to go and open another one.

Business

Response:

Thank you for your communication regarding [redacted]’s [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.

Review: October **, 2014 paid a check $35.00 and $20.00 cash it has not been received by Citibank. Store managers are unable to provide any information of payment. Cancelled check provided to citibank but they won't apply it. [redacted] has cashed the check and not credit my account. I lost my receipt and I had paid $20.00 not creditedDesired Settlement: Please locate the payment and apply to my account restore my credit to proper status and remove all late fees.

Business

Response:

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

Review: 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: 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: 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.