Citi

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...

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: I had issued what is called a "balance transfer" through the citibank.com website on July [redacted]. The "balance transfer was intended to pay a creditor of a different credit card, and had a time sensitive factor as the bill was due then. I went through the whole process entering all the information properly and receiving a confirmation from the website as well. A week had passed and no history of the transaction was on their website. I tried filing a complaint through the customer service line, explaining how I had lost money due to their non-action on my transaction. I additionally requested for them to check my history to see if they saw me make the request. They went ahead with the history check and confirmed that I had indeed gone through the process. They agreed that there might have been fault on their end but could not offer any additional help.Desired Settlement: $300 Credit card credit

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: Hello,

I am punctual with payments, that being said the day my "zales card" statement for this month became available I payed it. ( with more then ten times the minimum payment).

somehow there was a glitch on there end, the payment posted to last month's bill. I went threw there customer service department to correct the problem. they verified it somehow posted to last month's cycle.

there response was:

sorry that your payment posted to last month, but we do require you pay your minimum payment again. That is why I am contacting you. I budgeted my bills accordingly, I believe this is a way for them to sneak people into late fees, deferred interest charges, and penalty interest charges.Desired Settlement: I would like zales card to adjust the minimum payment on my account to reflect the payment I made when there system said to. ( which was ten times the minimum)

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: 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: $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: 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 purchased a washer and dryer from sears dept store and was told that if I sign up for the sears card I would get 12 months no interest. I recently noticed that I have been paying interest since day one at a rate of 25%. I have good credit and would not have signed up for a high interest rate card unless it had 0 interest. After calling sears and going to the store and spending about 5 hours of my time to get this resolved I was told my only course of action is to write a letter to sears corporate and wait for a response that can take up to 45 days. This seems unreasonable I find it hard to believe that someone can't just fix the problem over the phone or on the computer.Desired Settlement: I want the money I paid in interest over the past 10-12 months back.

Consumer

Response:

Sears contacted me Directly and has sent a check in the amount that I am owed. As long as I recieve this check then the issue has been resolved to my Satisfaction

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: 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: Citibank relying on false entries to my credit report sent me a letter dated July **, 2013 that due to the false entries on my credit report it was lowering my credit limit to $1070 further damaging my credit. I have a pending [redacted] dispute currently ongoing to remove the false entries to my credit report however instead of waiting for [redacted] to take care of the false entries Citbank relies on in lowering my credit limit it went ahead and damaged my credit further.Desired Settlement: Submission to all three credit reporting agencies that there lowering of my credit rating was done retying on erroneous information so my credit is not further damaged based on false information.

Business

Response:

Dear [redacted]:

Attached is a copy of our response to [redacted] regarding his recent inquiry related to his Citi account.

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

Sincerely,

Presidential Communications

Dear [redacted]:

We recently received an inquiry on your behalf from the New York Revdex.com regarding the above-referenced account.

I certainly regret any inconvenience you may have experienced due to our Credit area's decision to decrease your credit limit. However, part of our periodic review of accounts involves evaluating our cardmembers' credit bureau reports to verify how the credit relationships are being managed.

When we obtained a copy of your credit bureau report on July **, 2013, it reflected delinquent accounts with other creditors. Based on this information, your credit limit was decreased to $1,070.00. Our decision was based, in whole or in part, on information obtained in a report from [redacted] Credit Information Services. If you feel there is inaccurate information appearing on your report, please contact them at [redacted] or call ###-###-#### or visit their website at [redacted]. If you wish to have your credit limit reviewed for reinstatement once your credit bureau report is corrected, please contact us within 60 days of the date of the credit limit decrease.

I appreciate the opportunity to respond to your inquiry.

Sincerely,

Presidential Communications

Business

Response:

To Whom It May Concern:

Attached is a copy of our response to [redacted] regarding his recent inquiry related to his Citi account.

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

Sincerely,

Presidential Communications

Dear [redacted]:

We recently received an inquiry on your behalf from the New York Revdex.com regarding the credit limit on the above-referenced account.

I certainly regret any misunderstanding related to my prior letters regarding your request to reinstate your credit limit. Upon receipt of your correspondence confirming your income and residence information, we reviewed your account and because the derogatory entry was removed from your credit bureau report, we reinstated the credit limit to $3,020.00 on September **, 2013 as you requested. My letter dated September **, 2013 confirmed your request was approved.

I appreciate the opportunity to respond to your inquiry.

Sincerely,

Presidential Communications

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: 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: I just opened up my card with Citi back in September this year. I am a single mother going through a divorce with a child with problems. I found a place for my son and I to live. I had just given my lawyer a lump of money, so I did not have the money for first months rent and deposit until my next paycheck. I decided to use one of the checks for my credit card to make a living condition happen for us. I also used the card for a large purchase. Before the check got deposited the large purchase hit my card first and automatically Citi shut my card off without contacting me. I found out by trying to log into their website to pay the bill. It took me four times calling on Nov * to get someone to "help" me. Then I found out the card was still not turned back on due to the check tried to be cashed and again Citi denied it. So my first months rent and deposit got rejected due to Citi's inability to restore my account. I now look like an unreliable tenant to my landlord. I called Citi again to request an email stating that this was not of my fault, but Citi's to give to my landlord. The first man to help said he could do that, but it would be a 24-48 hour wait. I called back later on the Nov * around 2030 central time to request something to be expedited faster than that since I was meeting with my landlord to pay him cash on Nov * at 1630. The gentleman I spoke to then said that he could not help me. The only way he could get me a letter would be fax due to Citi could not send out emails. I then requested to speak with his manager and he told me that he did not have anyone over him to direct me to and that no one would help me.Desired Settlement: I want an email stating that it was of the mistake of Citi that my funds were denied on part of them putting a fraud alert on my account and not knowing how to remove it properly. I do not want a generic email either. I want it to be direct and to the point on what has happen. I want to be able to show my landlord that I am not an unreliable tenant.

Business

Response:

Dear [redacted]:

We recently received an inquiry on your behalf from the New York Revdex.com regarding the above-referenced account.

I certainly regret the incorrect information that was provided to you in my November **, 2013 letter regarding the decline of your $1,500.00 balance transfer check. I have confirmed that the check was declined because your account was closed at the time it was presented for payment. The account was closed by our Fraud Early Warning (FEW) area because we were unable to verify your account I nformation. The account was reinstated on November *, 2013 after our FEW area spoke with you and confirmed the validity of the account. It was subsequently closed at your request on November *,2013.

Thank you for taking the time to bring your concerns to our attention. I appreciate the opportunity to respond to your inquiry.

Presidential Communications

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: I have 3 charges that I got credits on my charge card due to items not received. I contacted [redacted] when the 3 packages were not received and I was told to go directly through my bank. I did do just that. The credits were given back. I guess then citi-prepaid got further information from [redacted] showing the orders placed. I do not dispute placing the orders. The problem is I NEVER RECEIVED ANY OF THE ORDERS. Now the charges that were once credited have been rebilled and I am being told by my card holder to contact [redacted] directly to make the credits happen this time.

You will see that I have placed orders since but now I have everything shipped to my place of employment and with signature required so I am assured the packages are now received.

Citi keeps telling me they mailed additional paperwork out that I NEVER RECEIVED. They also keep telling me to have the merchant credit. I have opened a Revdex.com against the merchant and they said the card holder has to make the credit.

I have paperwork I can send that shows all my communications.Desired Settlement: I just want the credits put back on my card and everyone keeps pointing to someone else to do it or says they can't.

$70.65 order [redacted]

$78.42 order [redacted]

$111.06 order [redacted]

Total 260.13

Business

Response:

[redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on March **, 2015 from [redacted] regarding a 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.

[redacted]’s complaint describes three charges made to [redacted] where the items were not received. Her complaint also indicates she has contacted the merchant and the merchant directed her to Citi Prepaid Services for resolution.

Upon review, our records indicate on 01/**/2015 we processed the dispute and issued a provisional credit to your account for $149.07. On 02/**/2015 the merchant provided documentation to support the charge, which was sent to [redacted] with a new dispute letter. The letter stated the charge would be rebilled if an updated dispute letter was not received within ten (10) days. On 03/**/2015 the charge was rebilled because a response was not received. Citi Prepaid Services no longer has any recourse to assist with this dispute. If [redacted] still disputes the charge she will need to contact the merchant to resolve the dispute. Per her request we have sent a letter with a copy of the letter that was prepared 02/**/2015, and mailed 02/**/2015.

We have been unable to reach [redacted] to further review her questions or concerns, attempting to call the number on file and leaving messages.

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 resolved because:

I have received one email with the paperwork that was NEVER sent to me and NOTHING telling me what to do. I have talked one time to [redacted] with NO other conversations.I responded to the email with no response back from either the sender or [redacted].The credits still have not been put back on my card.

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

Sincerely,

Business

Response:

Tell us why here...[redacted]

[redacted] To Whom It May Concern: Citi® Prepaid Services received the additional concerns submitted on April **, 2015 from [redacted] regarding a 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. Citi Prepaid Services spoke with [redacted] on April **, 2015. The cardholder acknowledges that she authorized the charge, but that she did not get the goods or services that she ordered and paid for. [redacted] has affirmed that it did deliver the goods/services that cardholder ordered. Citi Prepaid Services no longer has any recourse to assist with this dispute as the merchant has responded. If [redacted] still disputes the charge she will need to contact the merchant to resolve the dispute. 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]

[redacted](P) ###-###-####(F) ###-###-####

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:

very unsatisfied with everything that has happened. I will continue to write letter and go to media.

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

Sincerely,

Review: I have just discovered that I have been automatically renewed and billed annually for 20 years through my credit card (Citi Card) for a roadside assistance service with AutoVantage I apparently signed up for on June **, 1994. According to AutoVantage I was signed up through a promotion offered by Citi Card. I have no memory of signing up for this promotion for roadside assistance service. I have been a AAA member since around that time when I bought my first car, so had/have no need to sign up for a duplicate roadside assistance service.

I discovered this on Thursday, October **, 2013, when I happened to open an envelope from AutoVantage informing me of my automatic renewal at the $119.99 annual membership fee. I now vaguely remember receiving other envelopes from AutoVantage, which I always threw away in the trash, thinking it was junk mail. Again, as I am a AAA member, I was completely unaware that AutoVantage was anything but junk mail.

Upon learning of my account with AutoVantage, I immediately called and closed it. This is how I learned that I had been signed up on 6/**/1994 through some kind of a promotional offer by Citi Card. AutoVantage has closed my account and said they would credit this last annual fee of $119.99 but not the more than $2000 I have paid in annual renewal fees over 20 years.

On Sat Nov *, 2013, I called Citi Card's Customer Service to ask them how this happened. They claim they will not be able to find out about my original enrollment in AutoVantage because it was so long ago and they may not be able to access these records. They have given me a street address for Customer Service with no phone number so that I can write to them by mail. I plan on writing them to find out more information about the promotion I signed up for. However this sounds like a big run-around to me and gives me no confidence that they will even look at my letter. The claim that a company as big and sophisticated as Citi Card is unable to access its own archives is ridiculous. They also agreed to credit me for this years annual fee of $119.99 from AutoVantage, but not the other 20 years worth of annual charges as I am only allowed 60 days to dispute a charge, even if I never noticed the charge before.

I asked Citi Card how, despite the fact that Citi Card issues me with a new credit card and new credit card number every few years (this seems to be standard policy), AutoVantage has been able to continue to bill me without interruption when other businesses, such as my local rowing club, are not able to bill to the new credit card without calling me in person to ask for my new number. The point is, that this changing credit card number should interrupt automatic billing in perpetuity.

The customer service representative told me that the difference is that local businesses such as my rowing club probably did not sign up for a service with Citi Card to allow them to automatically continue billing me even when the credit card number changes every couple of years. For those paying corporations, such as AutoVantage, Citi Card gives them my new credit card number whenever it changes.

I dispute this service that Citi Card provides paying businesses to share my changing credit card number with them without my active authorization so that these businesses can continue to automatically enroll me in services in perpetuity, whether I want them or not. This is a service that Citi Card claims is for my convenience. However, in reality Citi Bank is making a proffit, sharing my changing credit card information with businesses who pay for this service so that they can continue to bill me forever for a service without my active consent. The money situation is that Citi Bank has made a proffit by offering this service to AutoVantage for a fee, while I have been charged more than $2000 over the course of 20 years ($119.99 per year for 20 years) for a promotion I don't remember signing up for, never used and don't want.

After learning this, I asked Citi Card to never again automatically share my changing credit card information with any automatic billing customers. I have now learned that apparently there is a setting on my account that allows Citi Card to share my account information with automatic billing customers who buy this service from Citi Card..... and that this is a setting I can opt out of now that I know about it. So this is what I have now done.

This is my second dispute with Citi Bank. Apparently the default account setting allows Citi Bank to share my changing account information with businesses. I think the default setting should be the opposite.

Ideally I would have noticed this sooner, however, we live in an age with an over abundance of junk mail, e-mails and scams which are very hard to keep track of. Citi Card was the first credit card I ever signed up for when I was about 20 years old. It is practically the only one I ever use. In general I have been very happy with Citi Card's service. I appreciate that they re-issue credit cards on a regular basis to cut down on fraud and have called me when strange charges appear on my card... which is usually when I am travelling and forgot to tell them. Given how busy and full of information the world is, I usually trust Citi Card is watching for fraud. This situation blind sided me and seems to be the unneccary result of Citi Card's faulty auto renewal policy. The Citi Card policy of re-issuing credit cards every couple of years should have prevented the continual auto-renewal of AutoVantage's service without my active consent. The most I would have paid for an unwanted service that was being automatically renewed without my knowledge or active consent would have been 2-3 years worth of fees. AutoVantage's annual renewal should have been interrupted by the periodic re-issuing of new credit cards. At that time, AutoVantage should have had to ask me, not Citi Bank, for my new credit card number. Instead, because Citi Card continued to share my new credit card information, I have now paid 20 years worth of fees adding up to over $2000 for a service I have no memory signing up for, never used and don't want.Desired Settlement: I would like the following:

1. I would like to be refunded for every year that the AutoVantage policy was automatically renewed without my active participation in this renewal.

2. I would like Citi Cards to donate to a charity of my choice the sum total of 20 years worth of fees they received from AutoVantage for the service of sharing my changing credit card information with them without my knowledge.

3. I would like Citi Cards to change the Default setting on customer accounts to require customers to play an active role in renewing their authorization for automatic billing when the credit card number changes on the account and to stop selling changing credit card information to businesses without active customer participation.

Please let me know of your progress

Business

Response:

Dear [redacted]:

We recently received an inquiry on your behalf from the New York Revdex.com regarding the annual AutoVantage charges billed to your account.

AutoVantage is a service that offers members substantial discounts on the purchasing and maintenance of vehicles, Our records reflect you enrolled in the AutoVantage program in June 1994 via a telemarketing call. A recording of this call is no longer available due to the length of time that has elapsed since your enrollment. Your enrollment in AutoVantage has been cancelled and a $119.99 credit was applied to your account for the AutoVantage charge billed on October **, 2013. We respectfully decline your request for additional credits.

I understand you have concerns that your account was billed for renewal charges, even though you did not provide your current account number to the merchant. Because AutoVantage is an affiliate of Citi, we are able to provide them with your account information.

The Automatic Billing Updater (ABU) is a secure method through MasterCard for merchants to bill an account on a recurring basis. Citi provides updated account Information to participating merchants and vendors through the ABU. This reduces issues related to account number and expiration date changes and allows uninterrupted service. Citi does not receive funds from the merchant that is enrolled in this MasterCard service. Your account has been opted out of the ABU process.

I appreciate the opportunity to respond to your inquiry.

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: I was informed by a representative named [redacted] that she waived a fee for $54.50 that was for the billing period of 07/**/14 thru 08/**/14. Well my account was never waived; when she specified my account will be credited for the amount of $54.50 within one to two billing cycles. And she lied blatantly to me. And her [redacted] was completely disrespectful to me and insisted she could care about my credit or issues. Because of such disrespect when my account is paid in full. I leave Citibank all together and inform everyone not sign up for card services with the corporation. The last four of my credit card account is [redacted].Desired Settlement: DesiredSettlementID: Refund

All I want is the 54.50 to be credited to my account as originally stated , I cannot believe the disrespect I received its unbelievable..Warm Regards,[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.

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: September *, 2014[redacted], [redacted], Credit Marketing(The Home Depot Credit Services[redacted]Dear [redacted],Yesterday my wife received a "Pre-Selected" application in the mail. As her husband, I already have a credit card whichshe is authoriied to use. However, I want my account [redacted] closed immediately.I was always pleased with your service in the past, but I find it ludicrous that your cumulative 2 year interest rate ended up being SO% of my balance. I understand that the balance was due before it could be assessed to the account. it was my fault that I thought it was due before the September payment so $1900 was added to my balance of -$4000 on the August statement.Desired Settlement: DesiredSettlementID: Other (requires explanation)

The entire balance has been paid in full and as I stated above I want the account closed immediately. To compound theissue is the ..recent breach of your accounts. Please do not send either of us any more mailings.Respectfully irritated,[redacted]CC Revdex.com /Attorney General

Business

Response:

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