Citi

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: 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: Purchased from [redacted] on their credit card. Did not receive a bill, or phone call, or U.S. Mail, or email. I forgot about the purchase until applying for a loan on a house. I was told of the bill from a loan officer. I called the credit card company and made a over the phone payment. Paid the amount in full. The next month I received my first bill through the mail. It showed the amount I paid, than showed a reversal on the payment. still no notification from them, no explanation. Called and paid it off again. They dropped all late charges, gave me a $60.00 credit, but would not remove bad credit on my credit score. Because of this my credit score is to low. I am out $7000.00 plus on appraisal surveys and other charges. [redacted] refuses to do anything, they say I was still 90 days late.Desired Settlement: Credit score cleaned up, charges made up I'm out.

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: $1.20 is missing from my pre paid refund card.Desired Settlement: Card number is [redacted] is code on back.Zip code is [redacted]Pin is [redacted]Calling Louise on Sunday 2-**-15 at 14.00 MST the phone call at this company was being wiretapped. She refused to explain to me what my balance was. $1.20 is missing. Being put on hold for 14 minutes she got the address for me to file a complaint. .

Business

Response:

Tell usMarch *, 2015

Revdex.com

Case # [redacted]

To Whom It May Concern:

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

Upon review, Citi Prepaid Services determined that the promotional prepaid card that [redacted] inquired about was issued on July *, 2014 with an expiration date of July **, 2016 in the amount of $25.00. [redacted]’s complaint indicates he was not advised why the balance of $1.20 was no longer available on the card. According to our records, [redacted] was not provided any information regarding this account as the identity verification of address verification was not passed. [redacted] also stated that the call was wiretapped; all calls are recorded and this messaging is provided to every caller into our call center.

We have been unable to reach [redacted], leaving several messages for him and receiving messages from him but unable to relay this information personally.

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] why here...

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:[redacted] called me 3 times and I finally responded to her message after she had told me that the $1.20 was a maintenance fee. This company has stolen money from my account which was originally compensated to me by [redacted] for my original expenses.

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

Sincerely,

Business

Response:

Tell us why here...March 30, 3015?

Revdex.com

Case # [redacted]

To Whom It May Concern:

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

Upon review, Citi Prepaid Services determined that the promotional prepaid card that [redacted] inquired about was issued on July *, 2014 with an expiration date of July **, 2016 in the amount of $25.00. [redacted]’s complaint indicates he was not advised why the balance of $1.20 was no longer available on the card. According to our records, [redacted] was not provided any information regarding this account as the identity verification of address verification was not passed. [redacted] also stated that the call was wiretapped; all calls are recorded and this messaging is provided to every caller into our call center.

We have been unable to reach [redacted], leaving several messages for him and receiving messages from him but unable to relay this information personally.

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,

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 every time I get a response from this company I never seem to see any updates. I think I have made it quite clear in each of my responses so far. This bank or organisation are a bunch of thieves and until they give me my money back that is where I stand on this matter.[Your Answer Here]

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

Sincerely,

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: 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 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 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: 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: This is my 13th request with [redacted] RE: Account # [redacted] $6321.00This is not my account nor am I responsible for it. It is under [redacted]. I have written serveral letter to [redacted] and [redacted], called them, faxed a letters to them, and even filed a dispute on my credit report. I want this item removed from my credit report immediatly and my name removed from account. [redacted]

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

A letter, phone call, and email stating this has been removed from my credit report and my name taken off this account immediatly.

Business

Response:

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

Review: Below is the detailed explanation sent to Citi which was ignored and ultimately rejected by their dispute department since they ruled against us and allowed the [redacted] seller to commit fraud against their customer.

RE: Case #[redacted]

To whom it may concern,

In regards to the above referenced case, on February [redacted] I ordered a brand new in the box IPad Air 2 from QuickShip Electronics through [redacted] ([redacted] item number: [redacted] iPad Air 2 9.7" with Retina Display 16GB Gold or Silver FREE 1 YEAR WARRANTY, FREE SHIPPING) for $379.99 and remitted payment immediately through [redacted]. The merchant shipped it promptly and I received the package on February [redacted]. I was immediately concerned because the box appeared too small and too light to house an IPad Air 2. The size of the box was 9x6x3 which is far too small to house a 9.7” IPad Air 2 with its box and accessories (as described in the auction). My concerns were realized when I opened the package and found the box for an IPad Mini. I pulled the IPad Mini box out and found that the box contained nothing and there was just insulation inside the boxes to provide weight. I knew at that point that someone committed fraud and I immediately contacted the merchant through [redacted] and below is the response received:

Feb **:

The seller sent you a message

Message:

Hello, If you can provide us with evidence from the postal service, such as your package weight, we would be more than happy to provide further assistance on this matter. Thank you

Feb **:

You sent a message

Message:

YOU SENT ME AN EMPTY BOX FOR THE INCORRECT PRODUCT SO YOU MAY WANT TO CHECK YOUR FACTS BEFORE MAKING ANY CLAIMS OR ACCUSATIONS. I BOUGHT AN IPAD AIR 2. THE BOX YOU SENT IS FOR AN IPAD MINI. THIS IS CLEARLY A CASE OF AN IMCOMPETENT PERSON ON YOUR END.

Feb **:

The seller sent you a message

Message:

Hello, We're sorry for any issues you may be experiencing. However, we did not send you an empty box. We even have the serial number of the iPad that we sent you: [redacted]. Thank you, [redacted] | Quickship Electronics

Feb **:

You requested a return

Reason for return:

It's counterfeit or fake

Comments:

You sent me an iPad Mini box with nothing in it when I purchased and paid for an iPad Air 2. IS THIS SOME KIND OF JOKE????? I want either a full refund or my iPad Air immediately or I will dispute this with my credit card company and report this fraud immediately!!!

As you can see the merchant never acknowledged their mistake or suggested I send it back. Further, the serial number they sent matches that of the IPad Mini box and is further evidence that they did not send me what I ordered. Here is the information that comes up on the [redacted]’s website when you input the serial number provided ([redacted]).

Your Service and Support Coverage

iPad mini 2 Wi-Fi

Serial Number: [redacted]

Check another serial number

Valid Purchase Date

A validated purchase date lets [redacted] quickly find your product and provide the help you need.

Telephone Technical Support: Expired

You are eligible to purchase telephone technical support from an [redacted] Advisor.

Repairs and Service Coverage: Active

Your product is covered for eligible hardware repairs and service under [redacted]'s Limited Warranty.

Estimated Expiration Date: December **, 2015

Learn about [redacted]'s coverage information for your product.

I was not comfortable dealing with the merchant and felt it necessary to dispute the transaction because [redacted] from Quick Ship never acknowledged any wrong doing or the possibility of a mistake on their end. After doing further research I found that QuickShip has a great deal of negative feedback on [redacted] for selling items that do not match the description. Further, the merchant never asked me to send back their package but instead asked me to go to the Post Office to get a package weight which made no sense to me.

If you have any questions please contact [redacted] at ###-###-####.Desired Settlement: I would like a full refund sent for the $379.99.

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:

[redacted] from the [redacted] of Citibank contacted me via telephone and was extremely cold and uncaring. She immediately went into defending Citibanks position on the matter and refused to hear my complaint saying that she read the complaint and understood it. She followed up with a letter as well. Ultimately Citibank has allowed fraud to be committed against their customer and their so-called fraud protection protects the criminal committing fraud.

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

Sincerely,

Consumer

Response:

There has been no resolution offered by Citi.

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 had my MasterCard with Citi since 2003. For many years that was the only card I used until I realized a couple years ago there were other credit card companies that offered better rewards programs. Recently I decided to check the balance of my cash reward dividend and to request a check for the balance since I rarely use this card and didn't want to forget about the remaining balance. I had a balance of $40 remaining so I called Citi Customer Service to request redemption of my reward dividend. The Citi representative told me that I would not be able to redeem the balance since I had not reached the $50 minimum redemption requirement. So I said I would close the account and asked for the balance to be redeemed. Citi told me that if I closed the account I would forfeit the reward balance. Citi also told me that the only way to redeem my reward was for me to continue to use my Citi credit card and reach the minimum $50 reward balance in order to redeem the amount. Is this policy even legal? It seems to me Citi entraps consumers into using the credit card in order for them to redeem the cash value they have accumulated by forcing them to reach a certain limit, in this case $50. I find this practice unfair, unethical, and down right unjust as it is forcing me to use the credit card, which I have no desire to use, in order to obtain the reward balance I have earned. I earned the reward and the balance should be redeemable if an account is closed. This practice is an entrapment of the consumer to use their credit card, because you will ALWAYS have some balance left in your cash reward, unless you are some mathematician who can calculate your spending in order to reach exactly $50 in rewards if you want to close your account without leaving behind any earned cash dividend. This should be against the Law and Citi should pay the consumer for all the reward dividend dollars it STOLE from its customers who closed their accounts and was unable to redeem the full value of their reward. Which is exactly what happened to me. I closed my accounts and I had to forfeit the cash dividend balance that was still remaining in my account. I'm angry and I will be closing out the rest of my Citi Credit Cards and will NEVER use them for any financial servicesDesired Settlement: I would like to receive the balance of my cash reward dividend that was denied to me due to their unfair redemption policy which entraps consumers into continual use of their credit card in order to receive the accumulated reward balance.

Business

Response:

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

Consumer

Response:

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

This business has not yet reached out to me to address this matter. In addition, I have contacted them directly as well, and still waiting for a response from them to resolve this matter. As a result I do not feel this issue has been completely and satisfactorily come to a full resolution.

Thank you.

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

Sincerely,

Consumer

Response:

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

The business sent a written response which did not resolve this matter to my satisfaction. As such they consider this matter closed. As a result, I feel there is no other alternative but to sever my ties with this business going forward.

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

Sincerely,

Review: I've had a credit card with Home Depot which is Aldo under Citii bank. I've rarely use this card, but have made a few purchases over the past couple of years. A few months ago I made a $40 & $10 purchase. As with anything I figured I'd be billed and pay the bill. A few days ago I started receiving class from Citi bank, not knowing at the time they were affiliated with Home Depot. Thinking is was an solicitation, I didn't answer, but after couple of calls I decided to answer.

It was a computerized call about the balance. I decided to call a spoke with a representative. I advised the rep that I never received a bill, the told me that it was sent, I said I never agreed to accept email billing. I was being charged $60 in late fees and just wanted it removed and was willing to pay the past due amount. She said a government regulation wouldn't allow her to do it, which sounded strange. By the tone of her voice, I could tell she didn't want to help me. I believe this is a scam and away to collect money from myself and consumers in general. I hope you will look int this matter. I am available if you need further assistance.Desired Settlement: All later fees removed and a changed in policy.

Business

Response:

We will be corresponding directly with the customer has Citi has not received authorization from the customer to release information to your office.

Thank you

?

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: $25.00 late charge added to next month payment after it has been waived

In September, 2014 I made arrangements to make a late payment for the said month due to some financial issues. I requested and was granted waiveing of the late fee of $25.oo due to all previous payments being made early. I did pay the agreed payment of $79 for September and also paid the $81 I was told to pay for October on October [redacted]. This payment was not due until October [redacted]. I Then found out that the $25. was waived but I still had to pay it or I would be charged a late fee for each month that it was not pay. They said the waived fee would be calculated at the end of the balance. After requesting and getting a call back on October [redacted] from the administrated level, I was told the same thing and that this is their policy when waiving a late fee. I could not get her to understand that I don't understand how this is helping me when I am trying to pay the account and don't have the extra $25.I now have to try and borrow this money and pay it before the [redacted] of October or I will have another late fee. This account has always been up to date and I was told that the late fee would be waived. I beleive this practice by them is unfair, hurts the consumer and allows a good account holder to continuously be charged extra money if they can't pay the payment and the waived late fee. According to my calculations, this would add up to $300 per year.Desired Settlement: Remove late charge(s) when agreed to and not add them in your subsequent patments along with additional late charges

Business

Response:

"THANK YOU FOR YOUR COMMUNICATION REGARDING [redacted]'S ACCOUNT. DUE TO PRIVACY CONCERNS WE ARE

UNABLE TO RELEASE CUSTOMER INFORMATION TO THE Revdex.com. WE WILL

RESPOND DIRECTLY TO [redacted]'S 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 find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: This business calls my ** year old daughter's cell phone every day at lunchtime. She is in school and cannot answer the call. They don't leave a message so we don't know who they are looking for. I have called the business and asked them to remove her number. They said they cannot find her number in their system as a main number for any of their clients. So they don't know why that number is being called. It is probably a secondary number for one of their clients and they cannot search secondary numbers. So the calls will continue until we can give them a name of the person they are trying to reach. My daughter did try and answer the call this past [redacted]. Once the caller realized they had a wrong number, they hung up. She has received calls again this week. So whoever took that call, did not note that it was a wrong number in the system. We need this to stop. This business tells us there is nothing they can do about it. We are considering this harassment. These calls have been continuous for about 3 months.Desired Settlement: We need this business to stop calling our daughter's phone. We have asked repeatedly and they say there is nothing they can do. We are hoping our complaint with the Revdex.com will make this company take this seriously and investigate further. We don't have an association with them and consider this harassment.

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: Re: [redacted] Website PurchaseOrder Number [redacted]Dear Revdex.com,On November **, 2014, I ordered through the [redacted] website a 1 gallon container of Mohawk Hardwood and laminate floor cleaner. The price was $17.97 plus tax and shipping for a total of $26.08. The prouct that was sent to me was a 1 gallon container of Congoleum DuraCeramic DS100 Duraset Adhesive for floors. There was no invoice or packing slip included within the box. I have contacted [redacted] on six separate occassions(11/**/14, 12/*/14, 12/**/14, 12/**/14, 1/*/15 and 1/*/15)to have this issued resolved. After having told them that I was unable to return the package to the [redacted] store, I was told that [redacted] would pick the package up or leave the return shipping label. The last call that I made to [redacted] was on 1/*/15, I was told that a prepaid return shipping label would be sent to my email address, whereas I could take the package to [redacted] for shipment. To date this has not happen. There is a $52.08 charge that is on my [redacted] charge account. This amount includes a $26.00 late fee. I have an exemplary record in paying this account on time, and do not owe anything on this account. I contacted [redacted]'s credit department and was told that [redacted] had to issue a refund before they could remove the charge from my account, and that my account will continue to accrue late fees until the refund is issued. At this point my account is listed as delinquent which is of no fault of mine. I'm being penalized for an error which [redacted] made. I'm requesting Revdex.com's assistance in getting this issue resolved so that the $52.08 is removed from my account and my account is put back into good status. Thank you.

Product_Or_Service: Mohawk Hardwood Laminate Floor Cleaner-NOT

Order_Number: [redacted]

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

Please have [redacted] send me through my email address ([redacted])a prepaid return shipping label so that I can send the merchandise which I did not order back to them, whereas, a refund or credit in the amoount of $52.08 can be issued to my [redacted] credit account and no additional late fees will be added to my account.Thank you.

Business

Response:

We have addressed all issues listed in this correspondence through the Revdex.com of Atlanta. 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, [redacted]

Review: On 3/** Sear took $504.91 out my personal account illegally to lower my credit limitI called [redacted] after noticing they took a draft out my personal account in the amount of $504.91. I spoke to the supervisor and she stated that the phone rep set my account up for auto draft. I told her that I have never setup any my account on that and I pay all my bills through my online credit union bill pay. She put in a request to refund my $504.91, which they did on 3/**/15, however my question was why did I have such a high bill when I just paid $448.43 on 2/**/15. She said they lowered my account limit. I did not understand how they lowered limit with out informing me and by them lowering it it will show that I am over the limit. She saif she put a request in to correct this asap, However I get my statement and it shows I am still over the limit and $484.93 is due. I believe [redacted] is guilty of fraudulent business practices, because I called them and they said they cant restore my limit yet they said they would never lower available limits where it will show ones account is over. they took that money out my account illegally to show I was under my limit but then turned around and lowered it. They refunded my personal account but did restore my limit.Desired Settlement: DesiredSettlementID: Other (requires explanation)

restore my credit limit to show that I am not over my balance.

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.The business reached out and called me to inform me that they restored my credit limit, I verified by calling my account and they did in fact restored my limit.

Sincerely,

Review: I have contacted them several times telling them to remove my name and address off their lists and they keep sending me letters, offers, etc. I do NOT want anymore mail from them and/or their affiliate companies. I have never done business with them nor do I want to. Also, I am on all of the opt out lists so they should not have my information in the first place. I am wondering how they got my information if I am on the opt out lists!? I want them to stop sending me mail (NO offers, prescreen credit offers, letters, mailings, etc). I do NOT want any mail from their company and/or their affiliate companies. I want them to remove my name and address off all of their lists immediately and stop contacting me. They shouldn't have my information in the first place since I am on the opt out lists!Desired Settlement: I want them to stop sending me mail (NO special offers, NO prescreen credit offers, NO letters, No mailings at all, etc). I do NOT want any mail from their company and/or their affiliate companies. I want them to remove my name and address immediately off all of their lists and stop contacting me and stop sending me mail. They shouldn't have my information in the first place since I am on the opt out lists!

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:

We have reviewed the response made by the business in reference to complaint ID [redacted]. In their response it says "our customer" and we just want to clarify that we are not customers of Citibank.This resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I would like to take this opportunity to voice my frustration regarding [redacted] Credit Services and Citibank, N.A., their automated payment system, as well as the customer service I have experienced the past 12 months. I have received NUMEROUS payment reversals when utilizing your automated payment system. Last summer (2014) I FINALLY reached an employee who was able to explain to me why my payments are sometimes reversed and a $25.00 late fee assessed. I was informed that due to my account being with a credit union, I should enter my entire routing and account number when making a payment in order for the system to accept my payment. This representative ensured customer service was provided as she waived the late fee and accepted my payment by phone. She also verbally assured me my correct payment information was now in the system and there should not be any more problems with paying by phone from my current checking account.Since, I have experienced at LEAST two more reverse payment notifications with tacked on late fees, only to find these have already been tacked on with my next months billing cycleOn May *, 2015 I contacted [redacted]o once again pay my bill via the automated payment system. This system does NOT ask to enter complete routing and/or account numbers. It asks if a payment would like to be made using the account used last time. The customer simply answers yes or no. Once this payment was made, I called the above number once again to speak with a customer representative to ensure this payment went through and accepted to which she verbally confirmed the payment was accepted.On June *, 2015 I opened my statement to contact the customer service number to make my final payment, only to find that ONCE AGAIN my payment from May was reversed and YET ANOTHER $25.00 LATE FEE was assessed. I contacted the 1-888 number provided and immediately asked to speak with a supervisor. I spoke with a [redacted], who provided little to no customer service. I attempted to explain to her numerous times the system does not ask for a complete routing/account number only to have her tell me WHERE YOUVE ENTERED NUMEROUS ACCOUNT NUMBERS YOUR INFORMATION WAS THROWN OUT. When I entered numerous account numbers? Is this accusative? [redacted] refused to waive the $25.00 late fee stating this has been done for me twice before and she is not allowed to waive any more late fees. She did not offer to let me speak to any other representatives during this conversation, only ATTEMPTED to validate my frustration.I am APPAULED at the lack of customer service this credit service demonstrates. If I were a non-working individual who was always late on payments or avoided paying altogether, I could understand the lack of customer service offered, however since I was calling this company on my LUNCH BREAK, Im quite certain I deserve at least the satisfaction of waiving the $25.00 late fee and paying my remaining amount on the account. My perception of this experience is that my numerous attempts within the past year to ensure my payment information is correct and accepted is that the company really does not care as long as they get to tack on these late fees every now and then only to pad the pocket of these corporations. Furthermore, I asked this individual for a WRITTEN statement the payment on 6/*/15 was accepted only for her to tell me that she cannot email any type of requested conformation. Really? This is a supervisor? WHERES THE CUSTOMER SERVICE?

Product_Or_Service: Canon Camera Bundle from [redacted]Desired Settlement: DesiredSettlementID: Billing Adjustment

The above testament went on with Citibank for over 1 year. I feel this corporation should be held liable and refund all late fees applies, as well as a letter of apology and ensure credit score was not affected. These actions are unacceptable to the working class of this country. I feel this company should be held accountable for their lack of customer service and charging paying customers late fees when every attempt possible was made to ensure paymen

Business

Response:

We will respond directly to the customer within the next 7-10 business days. If you would like to further discuss the resolution, we suggest you contact them directly.

Consumer

Response:

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

The company simply sent a generic apology letter stating my account had been closed. Very cold response with no customer service the company did not address the multiple late fees charged, if I would be credited the paid late fees, or offer any information in regards to how they may effect my credit score.. UNACCEPTABLE!!!!

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

Sincerely,

Business

Response:

We will respond directly to the customer within the next 7-10 business days. If you would like to further discuss the resolution, we suggest you contact them directly.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved. The business sent me a letter confirming my credit score was not effected and confirms they will refund my $25.00 late fee that was tacked onto my last payment that was reversed without my knowledge. I have not received my reimbursement as of yet and will await for it to arrive through the mail. This is a very small complaint compared to others, however as a working citizen who strives to pay my bills regularly, I felt humiliated and angry how this company accommodates the blue collared workers in this country. Although the reimbursement is small, I can't help but wonder how many others have had similar experiences and did not question such actions from this company. I appreciate the Revdex.com following up with this and pray corporate America will stop ripping off the blue collar workers of this country.

Sincerely,

Review: To Whom It May Concern:

On 1/*/2016 I was approved for a Citibank ThankYou Preferred Credit Card. When signing up for the Credit Card, I was offered a promotional 20,000 Citi ThankYou Points after spending $0 in 3 months. I have a screenshot of this advertised offer at the time of application.

However, in the mail I received an official letter which now says I must spend $1500 in 3 months to be eligible for these points and the offer that I received will not be honored.

This is extremely aggravating as I would not have applied for this card had that offer been presented to me. Citibank needs to honor their original offer that was advertised to me. I have incurred a hard pull on my credit report due to application of this credit card and therefore future applications with other banks may be at a disadvantage. I would like CitiBank to honor their original offer of 20,000 ThankYou points after $0 spend.

Thank you for your help.Desired Settlement: I would like CitiBank to honor their original offer of 20,000 ThankYou points after $0 spend.

Business

Response:

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

Consumer

Response:

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

Sincerely,