Citi

Review: Denied Debt Protection even though I am disable, was unaware of it.

I have had my [redacted] credit Card since roughly about 6 or 7 years. I was in a accident at work in May 2010 which left me partially disabled. I was unaware at the time that [redacted] Debt Protection was being applied to my bill each month. I still made monthly payments with the help of my daughter and her military husband. In December 2014 as my daughter was going through my bills she bought the debt protection to my attention. I then contacted the company and asked about receiving some help since I have been paying them for the all this time. I was informed that I did not tell them in time about my disability in their allotted time. I was unaware that this protection was even on my card.I was mailed a rejection letter on 12/**/14. On January [redacted] 2015 I was in a three car accident.That left me totally disabled unable to ever return to work. My doctor filled out forms the the [redacted] of January explaining this to said company. I received a letter in the mail today January ** 2015 still denying any form of help. If I am not going to get any help from them why are they still taking 16.28 out each month?Desired Settlement: Due to the fact that I was unaware of the charges and the two denials I either want them to help or I want a full refund of all charges from [redacted] Debt Protection.

Business

Response:

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

Consumer

Response:

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

[Your Answer Here] No one has contacted me since the letter that I stated in my complaint.

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 her directly.

Review: Best Buy is trying to collect more money from me.

On 10/**/13, I made a payment to my Best Buy account [redacted], for $200.00, I always make my payments on time, and the authorization number is [redacted], through my bank account with Bank of America...Now Best Buy is calling me to try to collect more money from me, and also posted $25.00 late fee to my account because they say I never made any payment, stating that my bank took that money back, I contacted my bank and that is not true, the money was paid and collected by Best Buy. I want them to apply my payment and remove those $25.00 late fees, and apply my payment according to the instructions I gave them by phone after I made my payment, which specifically was, APPLY THE MOST OF THE MONEY TO PAY MY OLD ACCOUNT, AND THE REST OF THE MONEY HAD TO BE APPLIED TO THYE NEWEST ACCOUNT. I want them to stop bothering me to try to collect money that I already paid.Desired Settlement: I need Best Buy resolve this problem, and credit my $200 to my account, according to instructions previously given by phone. [redacted]

Business

Response:

Dear [redacted]:

Your recent complaint filed on behalf of [redacted] has been forwarded to us for review and response . Citibank, N.A. is now the issuer of the My Best Buy credit card.

We certainly regret any inconvenience or difficulty [redacted] may have experienced regarding this matter. Our goal is to serve our customers by providing superior service and products. One of the best ways to achieve this goal is to receive feedback, both positive and negative, from our customers. We apologize that this level of service was not met.

Unfortunately, we dot have access to the instructions that [redacted] provided by phone on October **, 2013; therefore, we have allocated $25.00 to pay the past due payment and $175.00 was placed on the promotion that is scheduled to expire on February *, 2015. If this is incorrect [redacted] will need to contact customer to have the $175.00 allocated in a manner that she desires. [redacted] will no longer receive collection calls since the $25.00 payment is now satisfied.

In addition, our records indicate [redacted] currently has a Minimum Payment Due of $25.00, payable on or before November **, 2013.

Should your office have any further questions regarding [redacted]'s account, please feel free to contact us at the address listed above.

Sincerely

Review: Did not receive one bill that had a $20 charge on it. so citi has been harassing me for $20 for over 3 weeks.

I did not receive a bill from [redacted] for July. I wasn't concerned because the last few months I did not receive a bill either. Then the next bill I received had a balance of $20 plus a late fee of $25. As soon as the $20 bill became overdue I began receiving collection calls from Citi. I kept a record of the calls each day and they would call 14 times a day EVERY DAY Of THE WEEK! I have the calls on my answering machine so I know exactly when and how many times they called. It was certainly harrassment for a $20 account balance. They would tie up my phone on each call for 2-3 minutes depending on how their automated machine interpreted my answering machine. I was out of town for a week and when I returned there were 84! harassing phone calls from them. no one else can call me because they tie up the phone for so long and so many times each day! I called and talked to someone in customer service. I explained the situation and said I would be glad to pay the $20 balance on the bill that I did not receive. He said no so I hung up and wrote this complaint. It's not only terrible customer service on [redacted]'s part for $20 because I will never shop there again.Desired Settlement: I want my bill cleared of any charges. I will be glad to pay the $20 I owe on the bill I did not receive. I want each bill that has a late fee or some other charge on top of charge taken off each month and I want the bills sent to me so I will know that it has been done.

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:

I have received NO response from the business. If they were"mailing" me a letter on 11/* it should have been here long before now. Also they have put this on my credit report. as addendum to my complaint I want this cleared off and proof that is done. Now i'm not even going to pay the $20 bill because [redacted] is trying to stall hoping that I will get tired and forget this. I certainly will not. I will keep pursuing them until this is correted.

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:

Home Depot did send me two letters, both the same. There was nothing in the letters that even addressed the problem. They just sent m copies of my bills for some reason and said they consider it closed. I think they wouldn't go thru the Revdex.com because they were not interested in settling and they think both of us will give up and they will get out of it. It seems a ridiculous time consuming matter on their part for the original bill I did not receive for $20.

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

Sincerely,

Review: Last week my daughter called my credit card company (Citi Thank You Preferred Card) because for several months now I have not received my bill. My daughter was told that there were 2 late charges placed on the card and full payment was required immediately. She was also told that they would waive the late fees when full payment was received. My daughter used her checking account to make the immediate payment and was told to call back after the payment cleared to request the late fees waived. After the payment cleared she called only to be told that they would not waive the fee and that there was still a balance of $7. After been told that the account was paid in full in the previous call and assured that the late fee would be waived I was very disappointed to find out that they had charged interest on my card when I had made what I was told would be total payment of the outstanding balance. This is bad faith business practice on the part of Citi, because the are fully aware that the bills are not been received and are falsely leading their customer by assuring that balance is paid only pile up new charges without properly notifying customer of these charges.Very disappointed and I feel that they are taking advantage of elders.Desired Settlement: DesiredSettlementID: Refund

Full refund of late fees and an apology from Citi for the bad customer service.

Business

Response:

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

Review: I opened a Citibank credit card account in 2011. My credit card account has always been in good standing. I received an email on 02/**/2015 stating that my credit card account had been closed to my surprise for inactivity. I have never read in any of their fine print that you had to use your card within certain timeframes to keep your account open with them. I immediately contacted Citibank consumer service department on 2/*/15 and was made aware that my account had actually been closed the day before I received notice of the closing on 2/**/15. I was extremely displeased with Citibank's action in closing my account without prior notification or my authorization. I expressed my displeasure to the Citibank's consumer service rep who also agreed with me. I expressed that I wanted to appeal the closure of my account and that they needed to reopen my account without me having to reapply. The representative took down my request, asked me some information that she stated was needed to appeal their decision. I clearly expressed to the customer service rep that I did not want my credit report ran nor did I think they should require my credit report to be run because I never authorized them to close my account in the first place. I explained that additional inquiries on my credit report would negatively effect my credit score in which I have worked so diligently to repair. I explained that by closing my account they was also causing an adverse effect to my credit score as this had in turn decreased the average years of my accounts and my overall net worth. The customer service rep had a long extensive conversation with me over the phone in which she agreed with me, also acknowledging my frustration. My account was then reopened the next day 02/**/15 honoring my original open date, but to my surprise, they ran my credit report after I clearly expressed that I did not want my report ran. If I was requesting to open a new account or a credit line increase as I had in July, I would understand my credit being ran. However I requested to appeal their decision to close my account not run my credit score to reopen an account that was in good standing prior to them closing it!!! I now have two credit inquiries on my credit report from Citibank that are 6 months apart and that will remain on my credit report for 25 months. I contacted Citibank back to ask for the inquiry to be removed from my credit report on Monday 02/**/15. I was contacted back on 02/**/15 and told that they would not remove the inquiry because I gave permission. I clearly remember telling the customer service rep that I did not want my credit report ran. I reiterated that throughout the telephone call. I do not feel like I was treated fairly as one of their responsible consumers and I feel like my wishes to not have my credit ran was disregarded.Desired Settlement: I would like for Citibank to remove their inquiry off of my credit report. I do not wish to be retaliated against because of my complaint against Citibank.

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: On 5/**/15, someone used my husbands card number and pin to empty out our bank account at the Citibank on Jericho Turnpike in Commack. My husband tried to use his debit card and it was declined. We checked our bank account saw that it had been wiped out, we immediately contacted Citibank and then called the cops and filed a police report. We then contacted Citibank and gave them the information from the police report and the case number. Citibank issued us 2 new debit cards and gave us a provisional credit for a small portion of the money. They advised us the investigation would take 10 business days before we receive a full refund. Within 2 days they closed the investigation and stated they would not be giving us a refund because my husband had his card in his possession and it looked like our normal banking activity. We have never wiped our accounts out clean and the fact that my husband had his card on him should have been even more of a red flag. We asked them to reconsider their position because we called the police and a detective was investigating the case. Why would we call the cops and have them investigate it, if we made the charges? We also asked Citibank to please view the cameras at the [redacted] branch where the money was taken out and they would see it was not us. They advised us that they DO NOT view the cameras at their branches because of a privacy policy. So they have cameras at their locations, but they do not look them over.

They opened an appeal (a second investigation), again they told us 10 business days, only this time I spoke with the Client relations [redacted] was his name and he guaranteed me that we would receive our money back because the cops were working on it. He gave me a recorded verbal guarantee that we would be reimbursed. Within 2 days our claim was closed again for the same exact reasons the first one was. So again, they denied us our money back and did not consider that Suffolk County Police Department was working on it at all. They left us without any money for over a week. the small portion they did credit us went right to our car insurance. While we received no help at all from Citibank customer relations, supervisors or [redacted]s our detective had found that there was another Citibank customer who had his money stolen on the same night at the same exact time and at the same exact branch as us. We called Citibank and gave them this new information, that per our detective there is obviously and issue. Again, they denied us any help whats soever, they even at one point tried to insinuate that maybe my husband did take the money out without me knowing. They took our detectives information, but then informed us that they do not speak with the detective directly. Our detective then called us and notified us that they found the skimmer device that captured my husbands card number. there was a skimmer device on the 7/** in [redacted] on harned rd and we checked our bank and saw that he used that machine. They got his card information from the skimmer device and used it to take out all our money. Citibank informed me that I have to prove there was a skimmer, that they will not contact my detective.

Citibank told me I was, by law entitled to receive the documents they used for their investigation, so I requested them, 2 days later they told me nothing was being mailed to me. it is now 6/**/15 and nothing has been given back to us, they even took back the initial credit they gave us, which has now made our account go negative. This has been horrible, frustrating and so upsetting to us. To know that everything we had was taken from us and Citibank will do nothing about it. Except accuse us of being the criminals, we know for a fact they have other customers that they are doing this too, because we have spoken to them. They obviously just do not want to pay out. They keep giving us the run around, false information and lies. Our detective is trying to obtain the footage from Citibank, we have also contacted the news and other organizations because we want people to know how citibank treats its customers and what we have been put through to get our own money back.

It is now 6/**/15 and we have gotten no help from anyone at Citibank, not the Customer Relations, Not the Fraud Department, not the [redacted], nothing. Everyone keeps giving us stories and lies and the run around.

he had used that machine. ThDesired Settlement: I want a full refund of what was taken from us, I intent to assist in the prosecution of the theives that did this to us and I want people to be aware that Citibank protects itself and criminals not the customer!

Consumer

Response:

Citibank refunded me my money, then proceeded to take out more money, because my account was negative, but my account was negative due to the fraudulent charges made! So we had to go through hoops to get that back! At the end of the day, we got our money back, but what we had to go through to get OUR money was insane. I will never bank with Citibank ever again.

Review: I have been a long time loyal customer of Citi credit card services. Before I applied for a new Citi Double Cash credit card, I learning there is a bonus offer out there giving customers $200 credit back once they spend $1000 or more in the first 90 days of the account open. So I called in to ask about it. I was told by one of Citi's representatives that they cannot add that offer to me because at the time I had not had a Double Cash account yet. BUT I was also told once I apply for this card and get approved, I can call in again and they can add that offer to my account.

With this promise, I decided to submit my application and I got approved. Ever since then I tried three times to contact Citi by internal message and phone call, to ask them to fulfill the promise they made to their customer. Unfortunately every and each time I got declined by different excuses. Especially the last time the supervisor ([redacted] if I remember correctly) just stayed on the other end of the phone, ice cole, lying and hanging up. Without solid evidence I don't intend to complain about discrimination but apparently the person treats customers without respect at all, needless to mention Citi, the business he represented at the moment, is eating its own word to screw its customers. This is not only a failure to delivery the vocal promise (if they didn't have a record of my first phone call), but also a fraud to solicit business and cheating. I'm very disappointed.Desired Settlement: My desired outcome is for Citi credit card to delivery what they have promised customers. i.e. the bonus offer as described: $200 credit back after $1000 spending in first 90 days.

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 placed an order on line through [redacted] for a freezer and the total amount was $427.99.

I placed an order online through [redacted] and the amount of the purchase was $427.99 for a freezer. To my surprise, I was checking my credit report and noticed that there was one of my accounts showing up as delinquent. When I continue to search, I noticed that [redacted] had reported that I was late twice (30 days and 60 days). When I called [redacted] at the number indicated on my credit report. They told me that they had sent me e-mail(s). I informed them that I never ever received e-mail(s) from them less a bill in the mail. Not only did they reported it late but charged me two late fees (one in the amount of $35.00 and the other $25.00 plus finance charges). Why should I be penalized when I never received e-mails or a bill in the mail. I want the delinquency removed from my credit report and the late fees as well. I want [redacted] to send me proof that they sent me e-mail(s). This incorrect report on my credit is ruining my credit report. I want an answer and proof from [redacted].Desired Settlement: I want my [redacted] to credit my account in the amount of $62.22 plus TO REMOVE THE DELINQUENCY FROM MY CREDIT REPORT.

Business

Response:

We responded directly to the customer on 04/**/2015. If you would like to further discuss the resolution, we suggest you contact them directly.

Review: Citi denied loan due to: "Title to the property has changed since the last mortgage loan was closed."

Documents provided showed this to be false.

After repeated offers from Citi to secure a loan giving me a 1% decrease in interest rate plus a guaranteed "no loan charges or closing costs." Since my credit score is near 800, and meeting all other requirements, I applied. On 7/**, I received a letter denying my request (see above). The notarized documents provided were:

- Copy of Solano County Grant Deed stating that the property was in my Trust on 2/**/09 and has been since I first purchased this property in 2002, as indicated on the Deed.

- Copy of Reunion Mortgage Settlement Statement for my loan dated 2/**/09.

The above show that my home did not change title AFTER loan approval. Title was in my Trust the day my loan was funded.

I was informed by Citi Mortgage that I qualified for a different loan. When I called about it, I was told this would be a loan that had approximately $4,000 in closing costs and an unspecified interest rate.

My application number is [redacted]. The loan was offered through a Welcome Package on 7/**/13.Desired Settlement: I am seeking the original offer of interest at 3.625% and no loan charges or closing costs.

Business

Response:

Dear [redacted],

This letter is in response to the August **, 2013, correspondence received from your office regarding your case number [redacted] for our

client listed below.

Mortgagor: [redacted]

We have investigated this matter and addressed [redacted]'s concerns with her directly via a letter dated September **, 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 ###-###-####, Monday through Friday, 8:00 a.m.to 5:00 p.m., CT. Thank you.

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]

Thank you for your interest, but the matter of denying me the loan for which I qualified was not resolved to my satisfaction.

As I mentioned in my previous e-mail to the Revdex.com, I fulfilled 14 requirements. The 15th requirement stated that "even if I qualified for 14 of the requirements, Citi could still refuse the loan." This 15th requirement lets them off the hook entirely. I think this is a scam, and I would be astounded if anyone at all got this loan they originally offered. I'm absolutely certain that the offer for the loan was a lure to get me to apply for one of Citi's other loans which required closing costs. The loan they originally offered me was a "no closing costs" loan.

Business

Response:

Dear [redacted],

This letter is in regards to your correspondence received in our office on August **, 2013, as well as the correspondence from the Revdex.com (Revdex.com) that we received in our office on August **, 2013. I am responding on behalf of Citibank and I appreciate the opportunity to address your concerns.

According to our records, you applied to refinance your primary residence on July **, 2013, under the Home Affordable Refinance Super Streamline Program (HAR SS). As the HAR-SS program is a no fee, no appraisal, streamline closing, there are eligibility requirements that must be met in order to qualify for the program. One requirement is that vesting of the subject property cannot have changed from when your existing loan was originated. According to our records, when you closed your existing loan with Reunion Mortgage on February *, 2009, title was vested as: “[redacted], a married woman, as her sole and separate property”. Attached is a copy of the deed of trust that reflects the property vesting.

According to the title commitment that we received for the processing of your HAR SS application the subject property is presently vested as: “[redacted], as Trustee of the [redacted] Living Trust”. Attached is a copy of the title commitment that shows the current vesting of the subject property. It is this change in vesting that disqualified you for the HAR SS program; therefore, the denial of your application on July **, 2013 is valid.

In addition, with reference to the 15th condition that you referenced in your correspondence, “After further review, we may determine that you no longer meet the eligibility requirement for this offer”, is intended to inform you that upon underwriter review of the requested documentation (the previous 14 conditions), it may be determined that you no longer qualify for the loan program for which you applied. Included in your HAR SS solicitation is list of the program requirements and stipulations. An inability to meet any of these requirements may lead to a denial of your loan request.

The Revdex.com has been made aware of this correspondence.

We are sorry that we were unable to provide you approval of your loan request under the HAR SS loan program and for any inconvenience that you may have experienced. Although you are not eligible for the HAR SS program, you may be eligible for other options offered under the traditional Home Affordable Refinance Program. If you are interested in the other options available to you, please call ###-###-#### to speak with a Mortgage Consultant. I hope we can restore your trust in our company, which strives to maintain customer satisfaction.

Sincerely,

Review: Company fraudulent charged me interest without warning

Weekly I check my ** account. I noticed a couple of weeks ago that my balance took a substantial jump. I haven't charged anything at ** in almost 2 years so... I called ** and was told by a rep that interest from a promotional deals was added to my account. I asked him if ** had told me that I was coming and he told me that at the very bottom of my statement I told me. I told him that I didn't get paper statements anymore. He told me I chose to go paperless. I said I didn't make that choice and asked him when I did. He couldn't tell me a date. He then said I could of gotten a copy of my statement on-line. I told him that it doesn't open and I had called ** before to complain but nothing had been done. I asked for a supervisor but he told me nothing could be done. I told him that the ** was going to hide from my statement from me what was the sense of having a ** account. He put on me hold and about a minute later came back and told me that the account was closed. This was in the morning. That afternoon, I received an email from ** welcoming to paperless billing. WHAT? What fraud!Desired Settlement: Refund my promotional interest. I had no way to be warned it was coming. And then I when complained, I was "signed up for paperless" (after I complained and was told I was signed up previously). Seems very dishonest

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.

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:

1) I never signed up for paperless billing - FRAUD2) When I complained that I had never signed up - the NEXT DAY, I received an email welcoming me to paperless billing and that I was NOW signed up - FRAUD3) I cannot look at my on line statement - I've complained several times and no one can help me - FRAUD4) I never asked for my credit card to be cancelled - FRAUDThe credit card has worked it so I can't even know that my promotional interest is over - by hiding my balance and by lying about it - I will be reported this .by the NY Attorney General?

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

Sincerely,

Brian Griffith

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 opened a "The Children's Place" credit card in February/March of 2013. In May, I was contacted by a Citibank representative informing me that my account was overdue. At that point I had not received any bills from Citibank for this card. I told the representative that, and she assured me she would get a bill and copies of the old bills sent out to me right away. I received those on May **, 2013, and immediately sent a check for $107.XX which was the amount that I had charged on that card. I also sent a letter along with the check explaining the entire situation. I did not pay any late fees, because if the bills had gotten to me in the first place, I would have paid what I owed, and would not have accrued any late fees. My check cleared, and in mid-June, I got a letter from Citibank asking that I call them, which I did, immediately. After re-explaining my situation, the person I spoke with looked into it, and said that there was a note on my account saying that I still had an outstanding balance. She said a new bill was in the mail, and I should expect it any day. I never received a bill, so I assumed that my payment made things okay. Yesterday I received a letter from Citibank saying that I had 21 days to contact them before my account was turned over to a collection agency. I called this afternoon, and after having my call disconnected 3 times, and being on hold for 30 minutes, the representative I was talking to said no manager was answering calls, and I should call back another time.Desired Settlement: I would like the late fees taken off of my account, because I did pay, in full, the amount I had charged on my credit card, as soon as I received a copy of the bill. To date, that was the only bill (and it was copies, not the original) I have ever received from Citibank for my "The Children's Place" credit card. I would also like this situation removed from my credit report, as I'm sure it's had an adverse on my credit score, which, up until this point, has been excellent. Thank you for any assistance you can provide.

Business

Response:

Dear [redacted]:

We are in receipt of your recent complaint, filed on behalf of [redacted], regarding her Children’s Place Plan account issued by Citibank, N.A.

We regret any inconvenience or difficulty [redacted] may have experienced due to not receiving her billing statements for her account. We have researched her complaint and our records reflect that [redacted] opted for paperless billing on November **, 2012 at the time the credit application was submitted and approved. The account reflects an email address entered at that time for [redacted] as [redacted]. The email reminders are simply a courtesy feature that is offered and Citibank is in no way responsible if [redacted] did not receive these notifications. She is still responsible for checking the account online each month to view her billing statement.

In addition, we are enclosing copies of all billing statements reflecting her purchases in February 2013. When the required Minimum Payment Due amount was not received for the account by the due date, late fees and interest charges were applied to the account in accordance with the Card Agreement for the account. Our Collections Department records reflect numerous unsuccessful attempts to contact [redacted] at the phone number she listed for the account beginning in late April 2013.

When [redacted] payment of $107.90 was received on May **, 2013, the account reflected a remaining balance of $103.99. This balance continued to go unpaid, additional late fees and interest were billed and the account was closed by the bank on September *, 2013 when the account was 60+ days past due. We are crediting $235.00 in late fees and $24.85 in interest to bring the account to a zero balance.

We have reviewed [redacted] request to update the pay history with the credit reporting agencies. As a customer accommodation, in light of the present circumstances, we agree to send an update to the credit reporting agencies. [redacted], [redacted], and [redacted], requesting the deletion of this account from her credit report.

Please allow 4-6 weeks for the individual agencies to update their files.

We appreciate the opportunity to respond to your inquiry.

Sincerely,

Executive Response Unit

Review: [redacted] inquries and [redacted] modeling/scoring system.

Hello. I tried to get a [redacted] credit card back on 12/**/13 which I was denied. Upon doing this I fixed my credit substantially and I tried to apply again with Best Buy. I am trying to establish my credit and not ruin it. That being said. While applying for [redacted] I am slowly becoming aware through another service that [redacted] and another entity use similar scoring models via [redacted]. I was not aware of any of this. I would really like for [redacted] to delete these inquiries from my credit report. Dated 08/**/14, 12/**/13. If I was aware of how stringent they are with applying for credit with there store I would have never done so a second time. [redacted] seems to have a hold of multiple companies. Apparently there is a separate scoring model because I checked my score with them and it's 100 points higher than what is quoted in there score they told me. So what is going on? Can you please delete these inquiries? I understand they were authorized, but I was not aware that they were under a different scoring method. If you do not choose to delete these inquiries I will have no other choice, but to contact the CFPB and state many FCRA violations. As I do know credit law and know about data mining and aggregation tactics used by companies. I thought with the huge jump in my credit score that [redacted] would work with me, but apparently not so.Desired Settlement: Deletion of the inquiries on my credit reports dated 08/**/14, 12/**/13. I will not respond to any e-mails directly to me. I will only wait for Revdex.com response. An executive response will not be accepted to my personal e-mail. That will be considered a violation of privacy. Thank You.

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]

Hello, the New York Metropolitan Revdex.com has full authorization by me to speak and mediate about this account. Thank You. [redacted]

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

Sincerely,

Business

Response:

Thank you for your communication regarding [redacted]'s concerns. Due to privacy concerns, we are unable to release customer information to the Revdex.com. However, a duplicate copy of our original response dated 9/*/14 was sent directly to [redacted] on 9/**/14, at the request of [redacted].

Consumer

Response:

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

Sincerely,

I have received there letter, but I do not agree with it. However that they will not discuss this over the Revdex.com I have to close this case. Thank You for your time.

Review: they charged me a late fee not happy.Desired Settlement: I just wqant the late fee taken off

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 recently pulled my credit report due to refinancing my home loan with [redacted], and there is an item card or account ending [redacted] it is reporting as closed (with balance owing $452.00??) from [redacted] that should not be reported like that since they closed that credit card & re-open a new card cause I report the card missing (this is what they told me on a call I made trying to have them fix it on their own last 3/**/15..but they are refusing to do it..) I called [redacted] and employee [redacted] told me that yes I AM correct AND they were going to send me a letter confirming "..I dont owe money on that particular account since that has been closed and everything is transferred to the new card.." (THIS IS IMPACTING AND AFFECTED VERY NEGATIVITY MY CREDIT REPORT & CREDIT SCORE CREDIT) Due to that NEGATIVE item/report I will have to pay an extra point to refinance my house (aprox $2500 more)..This is the written information I've got from my lender (logix): "the liabilities listed as [redacted] account .[redacted] are listed on credit report as a "closed" account, however, there is still an outstanding balance...( after a long waiting on the phone and them giving the run around for a week, the only thing the sent me was an email from [redacted]..which says as of 03/**/2015 your account balance is 0.00 for your account ending [redacted], but they are not resolving my case the way it should be done- I have copy if Revdex.com needs it)

Product_Or_Service: ITEM ON CREDIT REPORT AS [redacted]

Order_Number: ITEM ON CREDIT REPOR

Account_Number: ITEM ON CREDIT REPORDesired Settlement: DesiredSettlementID: Other (requires explanation)

[redacted] should take responsibility of his bad practices reporting accounts wrongly and pay to my home mortgage credit Union (logix) the $2500 extra that I am paying due to their wrong report..that is causing me stress and financial hardship that changed all my plans and also depressing me cause I have to pay extra points due to my credit dropped drastically.

Business

Response:

We responded to this customer regarding this matter on 03/**/2015. They have not had a chance to receive our response at this time.

Review: I AM REQUESTING [redacted] AND CITIBANK REPORT TO ALL THREE CREDIT BUREAUS MY ** CREDIT HISTORY REMAINS IN EXCELLENT STANDING.

CUSTOMER REQUEST: UPDATE CREDIT HISTORY

I AM REQUESTING THAT CITIBANK/[redacted] REINSTATE MY EXCELLENT CREDIT RATING (790+) AS I HAD PAID IN FULL MY ENTIRE [redacted] CONSUMER CREDIT CARD JANUARY BALANCE DUE OF $1,557.18 , ONLY TO FIND OUT THAT I WAS BEING CHARGED LATE FEES AFTER I HAD PAID OFF THE "BALANCE DUE" WHICH I WAS UNAWARE OF SINCE I MOVED TO A NEW ADDRESS IN JANUARY AND DID NOT RECEIVE ADDITIONAL STATEMENTS REFLECTING I HAD INCURRED LATE FEES AFTER JANUARY **, 2015 WHICH I WAS UNAWARE OF UNTIL MARCH **, 2015.

ON THE EVENING OF JANUARY **, 2015, WHEN I SPOKE WITH THE ** AGENT "[redacted]" IN PERSON AT THE [redacted] STORE # [redacted], I WAS TOLD BY "[redacted]" THAT MY BALANCE WAS "PAID IN FULL" AND SHE PROVIDED A RECEIPT SHOWING THE SAME. I HAVE ENCLOSED THE RECEIPT AND JANUARY STATEMENT REFLECTING BOTH THE OUTSTANDING BALANCE DUE OF $ 1,557.18 AND THE PAID IN FULL CHECK #[redacted] OF THE SAME $1,557.18 WITH CANCELLED CHECK AND ** REGISTER RECEIPT DATED THE SAME.

ON MARCH **, 2015 I CALLED AND SPOKE WITH ** CREDIT TO UPDATE MY MAIL ADDRESS AND WAS TOLD THAT I HAD A PAST DUE BALANCE 0F $111.57. I WAS SURPRISED TO HEAR THIS AS I WAS TOLD MY BALANCE WAS "PAID IN FULL" BY THE ** AGENT "[redacted]" THAT COLLECTED MY CHECK AND PAID IN FULL BALANCE $1,557.18 ON JAN **, 2015 AT THE [redacted] STORE # [redacted].

WHEN I CONTACTED CITIBANK CREDIT I SPOKE WITH CS "[redacted]" ON March **, 2015.

I LEARNED THAT THE TOTAL OUTSTANDING AMOUNT I PAID ($1,557.18) IN FULL WAS CONSIDERED "LATE", ALLTHOUGH I HAD PAID IN FULL THE JANUARY STATEMENT REPORTED BALANCE ON JANUARY **, AND THE LATE CHARGE WAS INCURRED ON THE FEB 2015 STATEMENT, WHICH I NEVER RECEIVED IN THE MAIL.

I WAS THEN TOLD BY "[redacted]" THAT I HAD AN ADDITIONAL TWO LATES THAT COULD NOT BE CREDITED OR CORRCTED TO REINSTATE MY "EXCELLENT 793" CREDIT RATING DUE TO FEDERAL LAW. I TOLD [redacted] THAT I HAD "PAID IN FULL" ON JANUARY **, 2015 AND WAS NOT AWARE THAT I WAS CHARGED A LATE FEE IN JANUARY, THEN ANOTHER IN FEB THEN A THIRD IN MARCH. ESSSENTIALLY THE LATE FEES WERE BEING CHARGED ON TOP OF THE LATE FEES, NOT THE BALANCE DUE OR PREVIOUS BALANCE OR INTEREST WHICH I HAD OF COURSE PAID IN FULL ON JANUARY **, 2015.

I HAVE BEEN A LOYAL ** CREDIT CARD CONSUMER AND ** COMMERCIAL CARD HOLDER FOR 10+ YEARS. I AM CURENTLY BUILDING A NEW HOME AND HAVE PURCHASED WELL OVER $100,000 IN MERCHANDISE, MATERIALS, COUNTERTOPS, PAINTS AND CABINETS FROM [redacted] & [redacted] STORES, PURCHASED WITH MY ** CARD AND OTHER CREDIT CARDS. I HAVE ALWAYS (30+ YEARS) PAID MY CREDIT BILLS ON TIME, IN FULL EACH MONTH AND MY PRIOR CREDIT HSTORY REFLECTS THAT.

THE RESULT OF A TECHNICAL OVERSIGHT AND NOT ADVISING OF MY NEW MAIL ADDRESS SHOULD BE TAKEN INTO CONSIDERATION AND BALANCED AGAINIST MY EXCELLENT CREDIT HISTORY. I CHANGED MAIL ADDRESS AS I AM BUILDING OUR HOME AND LIVING IN A TEMPORARY RESIDENCE AND DID NOT IMMEDIATELY NOTIFY ** AS I WAS UNDER THE IMPRESSION, AND TOLD BY "[redacted]" AT ** # [redacted] THAT I WAS "PAID I FULL" AND " ZERO BALANCE" ON JANUARY **, 2015. I IMMEDIALY ADVISED ** AND CITIBANK OF MY ADDRESS CHANGE ONCE DISCOVERED I HAD AN OUTSTANDING LATE FEES ON TOP OF LATE FEES.

NO ONE AT ** ATTEMPTED TO CONTACT ME VIA PHONE OR EMAIL, I'M REGISTERED FOR ** PRO LOYALTY WITH BOTH MY CELL # AND EMAIL ADDRESS. NO ONE FROM ** CREDIT GAVE ME A COURTESY CALL TO REMIND ME OF MY BALANCE EVEN THOUGH I AM REGISTERED ON THE ** SITE AS A PRO WITH BOTH MY PHONE# AND EMAIL. I FREQUENT THE [redacted] STORE ALMOST DAILY TO SHOP AND KNOW MOST OF THE STAFF THERE BY NAME ([redacted], [redacted], [redacted], AND [redacted]) NO ONE ADVISED ME I HAD AN OUTSTANDING BALANCE. I ALSO DID NOT RECEIVE A COURTESY CALL FROM CITIBANK ADVISING ME.Desired Settlement: MY EXCELLENT CREDIT APPEARS TO HAVE BEEN RUNIED DUE TO THIS TECHNICAL OVERSIGHT (CHANGE OF ADDRESS) AND PILING ON MULTIPLE LATE CHARGES WITHOUT MY KNOWLEDGE FOR A MININIMAL BALANCE DUE (<$100) ALL RELATED TO LATE FEES.

I AM REQUESTING [redacted] AND CITIBANK REPORT TO ALL THREE CREDIT BUREAUS THAT THIS OVERSIGHT HAS BEEN RESOLVED AND REPORT MY HISTORY REMAINS IN EXCELLENT STANDING AND THE REASON OF THE LATE WAS DUE TO SIMPLY NOT UPDATING MY MAIL ADDRESS WHEN I WAS TOLD I HAD "PAID IN FULL BY

Business

Response:

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

Review: I signed up for the AAdvantage Citi World Elite Mastercard, and I was promised a 50,000 mile sign up bonus. I only received 30,000 miles. I called several times to rectify the problem, but I was consistently given the runaround by customer service even after showing them proof of the 50,000 mile offer.Desired Settlement: I would like to receive the 20,000 mile balance to my AAdvantage account [redacted].

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]

I have yet to be contacted by a Citi representative.

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 get [redacted] on the [redacted] of the month, have a part time job, and don't work in the summer. We have a loan with One Main Financial and are up to date with our payment. My husband and I are [redacted], take care of three [redacted] adults, as well as ourselves, have a mortgage on a house, have rent to pay on an apartment, other bills and medical bills. For some reason [redacted], or [redacted], keeps harassing us. Mind you that I pay $306.67 faithfully every month. I CAN NOT PAY ANY MORE, if I do, but I pay every month, so I should not have any more to pay. We also applied for [redacted] insurance included in the loan should we for some reason could not pay the loan off. We had another loan, which we did the same thing, pay for insurance, and when my husband couldn't work any more, the loan company paid it off for us. Thank you, [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation) No More Harassing us! Have the insurance work the way it should, pay the loan off for us!

Business

Response:

Dear [redacted]:

We are in receipt of your correspondence dated July **, 2013, regarding the above referenced account and we appreciate this opportunity to address your concerns. We have reviewed the issues raised and offer the following response.

Our records indicate, [redacted] originated a personal loan on November *, 2010 in our [redacted], Maryland branch office, with an amount financed of $10,662.44 and an interest rate of 23.98%. The loan was repayable in 60 monthly installments consisting of an initial payment of

$356.41, followed by 59 installments of $306.67 each. Please be advised that as of July *, 2011, the [redacted], Maryland branch office began operating as OneMain Financial. For your review, I have enclosed a copy of the Disclosure Statement, Note and Security Agreement that [redacted] signed at closing.

As requested, I have confirmed [redacted] phone numbers have been removed from our system and that the account has been marked for no future contact [redacted] will receive no further collection communications regarding the delinquent account. Please be advised, however, that [redacted] will continue to receive monthly billing statements and any information concerning the payment history on the account will continue to be reported to the credit reporting agencies.

In addition, please be informed that [redacted] did not purchase [redacted] insurance coverage on this account; however she did purchase a joint life insurance for 60 months only. As of the date of this response, [redacted] account is currently past due for scheduled June **, 2013 payment. Should [redacted] wish to discuss any payment arrangements, we encourage her to contact [redacted], Branch Manager of the OneMain Financial [redacted], Maryland branch office that currently services her account, directly at ###-###-####.

Should you have any additional questions or comments regarding this letter, please contact me directly at ###-###-####.

Sincerely,

Resolution Specialist

Executive Response Unit

Review: Account holder since 2007 was never late until 2010.Join a debt management program in October 2010 to pay off account.When I join the program only I was only 2 months behind Citibank roll late payments over each month for 22 months stating that I had to catch up all late payments before account goes current.Which was OK.Made all payments from Jan.2011- Sept.2012 all on time no miss or late and have continue to make all payments on time to this day March 2015. I call several times to talk to customer service I know that information is accurate and no adjustment can be made to the reporting, but I know that Citibank can make adjustment by re-aging the account by removing the late from the periods of Jan.2011-Oct.2012 from all credit reports.I have always pay the account before the late happen and have maintain paying since.I understand that Citibank is not obligated to do this but I have been a good customer when to account was open and have continue while it was closed when some customer don"t even try to pay.I never was more than a few days past the 30 days late and paid what ever was the minimum amount was due at the time if was $127.00 due I paid $130.00 if $150.00 was due I paid $150.00 now since being in DMP amount was $116.00 I have paid that amount for the last 5 yearsDesired Settlement: DesiredSettlementID: Other (requires explanation)

To have late remove from all three credit reporting agencies.On the FDIC website it states Re-aging open end accounts.To be considered for re-aging an accountBorrower must demonstrated a willingness to payaccount at least nine months oldmake consecutive paymentsaccounts can be re-aged once in a 12 month periodconsumer enter workout program,including internal and third-party debt counseling servicesover limit account my be re-aged at its outstand

Business

Response:

We have previously advised the Cardholder that we will no longer respond to the same issues.

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 do not accept this answer to the complaint. Thought that I could work something out with the company since I have been a long time customer with Citibank.It"s really hard for customer.Funny thing I have 2 accounts with Citibank. The account I"m trying to get late payments removed with $5000.00 limit the other account with $8500.00 limit and its never late

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

Sincerely,

Review: CITI is giving me GRIEF, PAIN & Misery by placing hold/review on my account that has credit of $13K+.

CITI is using STALL tactics to hold money.

During my 40+ years of experience CITI mastercard is the worse (the WORESEST) card that I ever experienced.

It is such an EVIL company.Desired Settlement: I want o be free from GRIEF, PAIN & MISERY CITI Master card account In this account I have $13K+ in credit balance. CITI put the account on hold saying that they are trying to reach me at ###-###-#### that was listed in my credit bureau records. ###-###-#### was disconnected prior to 2006 and noe reassigned to some one. I found that in [redacted] credit report and got it deleted.

CITI employees indicate that they could reach me only at ###-###-#### to discuss refund. I find it as most UN American way.

How can I be reached at a number that is assigned to some one else. I removed that number from [redacted] record. CITI employee now sdays it does not matter whether it is deleted.. According to our records we need to contact you at ###-###-####. My $$$ are on hold. I need my credit $$$ send to my home address listed in their records NOW NOW. They charge astronomical interest balanced owed.

Here are my specific questions

1) I want the credit refund - a check maile to my home address NOW

2) HOW much interest I would get for holding a large amount for so long? with all stall tactics.

Can I expect 20+% interest?

I appreciate your help to resolve [redacted] ###-###-####

Consumer

Response:

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

Sincerely,

[redacted] Finally the issue got resolved after GRIEF, PAIN, MISERY and TORTURE for more than 30 days. It is resolved NOW. Thanks Have a Great Day. [redacted]

Review: Requested to refinance home from 30 year loan to a 15 year loan and sent $480. We were told it would take 30 days to process loan and we received confirmation from [redacted] with Citibank 1/**/2013. Its now July **, 2013 and we received a email on Friday [redacted] from [redacted] saying that it normally takes 30 days but however it may take 60 days, It has been 6 months now. I have called twice and my spouse [redacted] has called twice and we keep getting a different representative every time. We have talked to [redacted], [redacted] and [redacted](customer service person), I talked to [redacted] on 6/**/2013 and she said that[redacted] had called me that day and claims she spoke to me when she had not. My wife let [redacted] know that on a recorded conversation. I feel that they have scammed us and have no intentions of honoring the Loan request. Thank You,Desired Settlement: To honor the Mortgage set rate that was requested 3.125% for 15 year loan or refund our $480.00.

Business

Response:

To Whom It May Concern

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

Mortgagor: [redacted]

[redacted]

Property Address: [redacted]

[redacted]

We have investigated this matter and addressed [redacted] concerns via letter dated August *, 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