Citi

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: Customer Service Rep refused to transfer me to a [redacted] or [redacted]

I called Citibank on 3/** and spoke to [redacted] in an effort to get my current account balance and asked if my APR can be decreased as I'm trying to pay off my debt. She gave me the balance but said there was no way the APR could be decreased, it was CITI bank policy. I asked if I could speak to a [redacted], she said for what they're going to tell you the same thing. I asked again, she continued to refuse then put me on hold and when she came back said I'd have to call back in an hour if I wanted a [redacted]. I find it hard to believe there is no [redacted] or [redacted] that could assist.

ADDITIONAL DETAILS:

Case is being handled by another organization: [redacted]Desired Settlement: I'd like to speak to a [redacted] or [redacted] that can help me get a lower APR in order to pay off debt.

Business

Response:

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

Consumer

Response:

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

Sincerely,

Review: 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: 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: INTERNAL RECOVERY UNITSPECIFICALLY THE DIRECTORI received a bill from a collection agency for a ridiculous amount regarding a one year warranty for my treadmill.After spending more than one hour on the phone with Citibank clerks, they told me that every bill that Citibank sent to me was returned by the post office.I have lived at the same address for the past 15 yrs., and I always received my mail. I think that Citibank never sent out any bill, so they can accumulate fees & interest from consumers.I will be glad to pay the $68 of the original bill, but not the interest as I NEVER received any bill!!!!!PLEASE send me the returned envelopes to prove that a bill was actually sent out.Sincerely, [redacted] ALSO.....As of June **, 2015 is the first time I EVER received a bill regarding a warranty for my treadmill. [redacted] found me just fine even though they didn't have my apt. number, the name is the same, the address is the same; so this PROVES that [redacted] never sent me any previous bills, that [redacted] is claiming the post office returned.On the bill the account number for the credit card is different than the credit card that I have.DO NOT RUIN MY GOOD CREDIT FOR SOMEONE ELSE'S MISTAKE!!Desired Settlement: DesiredSettlementID: Other (requires explanation)

Don not ruin my good credit for someone else's mistake!

Business

Response:

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

Consumer

Response:

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

Sincerely,

Review: 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

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: 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: 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: 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: I applied for a mortgage with Citibank sometime in mid-October of 2013. I was pre approved for a mortgage and sent validating documents to Citibank. On Nov [redacted], 6 weeks after my original approval by my sales person [redacted], I was told underwriting is using the wrong income but they aren't going to change it. After a lot of phone calls I was able to establish what happened was Citibank felt my income had declined over the last 3 years and would only use my 2013 income and they only used commissions that were already paid year to date even though I was paid monthly commissions and I had 2 more months and checks to come. My complaint is that if this was Citibanks policy, then I should have never been put in the approval pipeline by my salesperson. At no time over the 6 weeks since my original approval did [redacted] tell me this was a loan that was in jeopardy of not being written. As a result I may lose the house I was purchasing and if I can get the house interest rates have gone up so I will lose a lot of money. I fully believe [redacted] was being dishonest and knew my loan wouldn't be approved but didn't care what problems it would cause for me. I was denied less than 2 weeks before my closing with no time left to get another loan in place to meet my contract dates.Desired Settlement: For Citibank to not allow there sales people to trick potential home buyers into thinking they have a loan and not giving them the loan just before closing. I would like my payment for my appraisal refunded as well.

Business

Response:

To Whom It May Concern:

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

Mortgagor: [redacted]

Property Address:

We have spoke to [redacted] directly on December *, 2013 to address his concerns. 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] and [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.

Sincerely,

[redacted] Executive Response Unit

Review: The credit department picks and chooses what your monthly payment goes to like; first purchase no interest should have been paid in August but they chose to apply my monthly payment to smaller later purchases causing me to pay a larger amount of interest on the larger purchase and screwing me over making me go over my limit and so on. This isn't right all payments should go to first bought first paid not post phoning. No interest purchases for a year then hammer you with fees this can't be legal or shouldn't be ! Product_Or_Service: Roof shinglesDesired Settlement: DesiredSettlementID: Refund Refund the the interest I was over charged for no good reason or proper finance handling

Business

Response:

Dear Sir or Madam:

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

We have completed our investigation into [redacted]'s account. Purchases that are equal to or greater than $299.00 automatically qualify as promotional purchases. The details of promotional purchases with your Home Depot Credit Card were clearly outlined in the Cardmember Agreement you received when you opened your account, via mailers and in-store signage, and on each billing statement for your account. As stated in the Cardmember Agreement, promotional purchases accrue interest charges during the promotional period. If the promotion is not paid in full by the expiration date, the accrued interest charges will be billed to your account.

Regulatory compliance requires us to accurately report promotional purchases as part of the balance of an account. We do have the ability to direct payments in excess of the Minimum Payment Due toward a promotional balance . Once a payment is applied to the account, Cardholders are welcome to call Home Depot Credit Services to direct their payment to the desired promotional balance . This applies only when an active/non-expired deferred interest promotion exists on the account. The Customer must call in each month to request a re-allocation of the most recent payment remitted on the account.

Payments in excess of the Minimum Payment Due are applied in accordance with law. This means that if the Cardholder does not call to have their payment redirected, we will generally apply payments in excess of the Minimum Payment Due to higher APR balances first. However, excess payments received before a deferred interest promotion expires are applied to the deferred interest promotional balance first in the last two billing cycles of the promotional period. If the expiration date of a deferred interest promotion is before the Payment Due Date in the billing cycle in which the defend interest promotion expires, excess payments received before the deferred interest promotion expires are applied to the deferred interest promotional balance first in the last three billing cycles of the promotional period.

Under the Terms of the Cardmember Agreement, payments equal to or less than the Minimum Payment Due, and credits issued to the account, are applied at our discretion. We are authorized to apply credits and payments that do not satisfy the Minimum Payment Due in a way that is most favorable or convenient for us. This may include applying such payments and credits to lower APR balances first. As a customer accommodation, we have issued a credit in the amount of $189.84 for the accrued interest that billed to [redacted]'s account when his promotion expired. This credit will appear on his next billing statement. Please note that, while this credit applies to the overall balance of the account, it does not change the current Minimum Payment Due. '

Our records reflect that [redacted] has a current Minimum Payment Due of $49.00, payable on or before December **, 2013. We also feel obligated to reiterate that, in accordance with the account Terms, the remaining unpaid principal balance from the expired promotion is now considered revolving debt. A revolving balance is subject to standard interest charges until paid-in-full. We certainly regret to hear of any misunderstanding [redacted] may have had regarding the Terms of his promotion, application of his payments , and the regulatory

requirements regarding payment allocation.

Thank you for your patience. If you have any further questions, please contact us at the address listed above.

Sincerely,

Consumer

Response:

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

I personally can't believe fed gov allowed cc co to operate this way that again like insane interest rates screws customers. By cc co choosing what your payment goes to and not just going in order of purchase customers are being railroaded in to paying crazy rates. On this case they refunded some money but still be leave got taken. I thought the fed gov was monitoring cc co.

Sincerely,

Review: Instead of giving me the promotional rate I was double charged for the same purchase.

01/** RVLVE TO SPEC PROMO [redacted] $ 1,006.43

PROMOTIONAL PURCHASE: To avoid interest charges, please pay the above in full by 08/**/2014. Monthly payments required.

01/** RVLVE TO SPEC PROMO [redacted] $ 1,114.56

PROMOTIONAL PURCHASE: To avoid interest charges, please pay the above in full by 08/**/2014.

The above information is copied from my credit card statement.

On March **,2014 I noticed I was charged interest for a promotional purchase. I was told adjustments would be made to correct the interest charges. Not until July did I notice I was charged twice for the same purchase. Refer to the same reference numbers above. In August I'm being charged double the interest for the same purchase. When I spoke to the representative in July, he told me it would be fixed. It wasn't and now my bill and credit is screwed.Desired Settlement: I want my account fix. The balance wasn't paid in full by August *, 2014 because my account was never fixed and I didn't know what else to do.

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 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: 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 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: 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: really bad guy and bad service which was the first time I met in citi bank. strongly request citi bank found this guy and train her

9/** about 9:30am, I can't login to my citi online banking for some reason.

I use the phone [redacted] to call citi bank ###-###-####, the associate in credit card department was very nice, she couldn't pull out one of my credit card account so she transferred to her [redacted]. The manger was nice as well.

She help me close my citi [redacted] account. when I ask her why I can't login to the online banking. she transferred to the technical department, this guy's told me her name was [redacted], I asked her to spell to me, but she didn't. this guy [redacted] didn't allow me speak, and she kept broken my word when I spoke. I felt very upset and asked her to transfer to her manger. but she didn't and hang up the phone around 9:56am

The guy thought she didn't spell her name to me and she might told me the wrong name, [redacted] wasn't her name, and I couldn't find her to complain.

really bad guy and bad service which was the first time I met in citi bank. strongly request citi bank found this guy and train her, she need to say apologize to me and improve her service.Desired Settlement: strongly request citi bank found this guy and train her, she need to say apologize to me and improve her service. additional remarks: 11/** after speaking with a couple associate and one of the [redacted] in citi bank as I called [redacted] The [redacted] promised me to use override shipping to mail the new debit card to my new address which he had updated for me, which is [redacted]. However, so far until 12/** I do not receive the debit card. What's happening in citibank banking service? Citi credit card service is much professional and better than citi banking. I request to renew my citiforward credit card, the [redacted] promised me she would ship the card to me by two days shipping.

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: NATURE OF DISPUTE

I was charged and forced to pay $71 to bring my account to a zero balance after it had already been brought to a $0 balance on October [redacted].

In 2014, I obtained a Citi Health Card with a $4,000 limit. I used this card in June of 2014 and paid off this balance via a check in the mail on August [redacted]. In October, I received a statement saying that I still owed for a late charge and various interest that was as a result of the late charge. I called Citi on October [redacted] and explained that I had sent my check on August [redacted]. We had come to an agreement that I shouldn't have been assessed the late fee and that the error was on their end for the payment not being processed until after the August due date. I was told on October [redacted] that the fees would be waived and I only owed $62 which brought the balance to $0. I paid the $62 over the phone, was told my balance was $0 and then I received a letter informing me that my account had been successfully closed. On December [redacted], I received another statement in the mail informing me of further fees charged and interest charged on the fees indicating a balance on my account. I called to review the charges and was told that nothing had been documented except for the payment I made during the phone conversation of October [redacted]. I was told I must pay the $71, even though I had already brought the account to a $0 because of Citi's failure to properly document the last transaction and conversation. I feel I am not at fault for this $71 and that I have paid Citi more than what I was responsible for. I seek a refund of this $71 to correct the matter and encourage Citi Health Card to improve their documentation practices of their customer service phone transactions.Desired Settlement: $71 and an apology for the mistake and frustration caused.)

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 have a refund of $253 that was processed through Citi Prepaid. I called the Citi Prepaid on 1/**/15 and was told it takes 7-10 business days and I should receive the card by Mon 1/**/15. When the card was not received I called back and spoke to a supervisor and was told the tenth business was 1/**/15 and I should receive it by then. When the card failed to arrive by Thursday 1/**/15 I called back and spoke with manager [redacted] employee # [redacted]. [redacted] proceeded to tell me he can have another card expedited but I would have to pay a fee of $25. I don't feel as though I should pay the fee considering the fact I was given two different dates of arrival and the delay is no fault of mine.Desired Settlement: I am asking for another card to be expedited to me with the $25 fee waived

Business

Response:

[redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on January **, 2015 from [redacted] regarding delivery of a promotional prepaid card issued by Citi Prepaid Services on behalf of DirecTV. As a business that aims to provide a positive cardholder experience, we strive to resolve all cardholder issues in a thorough and satisfactory manner.

Our research confirms [redacted]’ complaint indicating she has not received the promotional prepaid card in a timely manner. We spoke with [redacted] on January **, 2015 and agreed to reissue a new card to her via express mail free of charge as the original card has not arrived as promised. The card has been requested and is scheduled to arrive to her home address on February *, 2015.

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

Sincerely,

[redacted] here...