Citi

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,

Review: I filed rebates for [redacted] phones purchased in Feb 2014. I filed the rebate for two rebate cards for $200 each in the required time frame. I never received the rebate. After calling [redacted] and getting the run around, I was finally provided the number to Citi Prepaid Cards. I called today and was told that the card expired in October of 2014 and cannot be refunded. I'm pretty sure the company never sent the cards out originally because they did not want to provide the rebate. I tried to contact the correct company, but was given the run around by [redacted] and Citi. I feel the error is not on my end and I should receive the two rebate cards totally $200 each. I followed all the steps I was supposed to and I am now being nickle and dimed unfairly. Poor customer service all around!Desired Settlement: I would like my two rebate cards for $200 each.

Business

Response:

Tell us why here...[redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on February **, 2015 from [redacted] regarding an expired 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 April *, 2014 with an expiration date of October **, 2014. In accordance with applicable law and regulations, the expiration date is embossed on the front of the cards; displayed on the cardholder materials (i.e., “valid thru 10/**”); disclosed in the terms and conditions that accompanied the card with an explanation that the funds would no longer be available after the expiration date.

[redacted] also indicates that two promotional prepaid cards were expected and she had only received one. [redacted] would only be able to provide information as to the status of this second rebate as Citi Prepaid Services does not have that information. We have been unable to reach [redacted] in calling the number on file for her; messages were left on February ** and **.

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 becauseI in fact did not receive any cards. Citi stated I received one reimbursement card and not the other, that is untrue. I am not sure how I am supposed to know that the cards expire after 6 months and that they are non-refundable after that point if I never received the cards with that information. I am also wondering how I am supposed to know the replacement process when again, that information accompanies the cards that I never received. I am still waiting for TWO rebate cards for $200 each that Citi never sent me. I completed all of the steps I was supposed to complete and Citi failed to complete their part. I did call back when called by Citi and continually received a voicemail. I feel that Citi is being unfair by not sending the cards and then expecting me to know their process when I have been presented no information. It is clear Citi is only out for profit which is why they are trying to withhold the rebate cards when I followed all appropriate steps to receive them. Unfair and paints Citi in a very poor light.

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]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on March *, 2015 from [redacted] regarding two promotional prepaid cards 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 only one promotional prepaid card had been directed by [redacted] to be sent to [redacted]. This card was issued on April *, 2014 with an expiration date of October **, 2014 in the amount of $200.00. [redacted] adamantly expressed that the one card was never received. As a one-time courtesy, the card was reissued to the address on file.

For the second card, Citi Prepaid Services could not locate any information in our system. [redacted] indicates that she will research the documentation and follow up with [redacted] for the status.

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,

Review: To Whom It May Concern:I have a Brooks Brother Credit card account number [redacted]. I have been unable to use this online for the past 2 weeks due to an "incorrect security code". I called [redacted] today and they stated that a new company assumed responsibility for the account on 6/** and this has caused the security code on the back to be invalid. I received a letter stating that a new company was assuming responsibility for the card, however, there was no mention that the card would not work correctly. it is now 6/** and [redacted] feels this is a "reasonable time frame" due to the large number of customers. They are going to send another card that I am supposed to sign for, which is also not a possibility as I work and live alone. This inconvenience is also my problem. If I had never called I have it would have been even longer to determine what the problem was. This company consistently fails to communicate or value its patrons on a consistent basis.Desired Settlement: DesiredSettlementID: Delivery

At a minimum I should not have to drive somewhere to pick up a card that the company decided to make invalid without any notification. If this does happen I will simply cancel the account. I also believe that their should be financial remuneration given as this is the only thing that companies care about.

Business

Response:

We responded to the customer on July **, 2015. The customer should allow 7-10 days to receive our written response. Should the customer have additional questions or concerns, they can direct those to the address listed in our response.

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]

There is nothing here for me to respond too as a letter is supposedly in the mail. After I filed my original complaint the card was again deactivated and failed to work. The manager could not tell me why this happened and stated that it fell out of protocol. She would "follow up" but I would receive no further information from them in this regard. The card was re-activated again but no one knows when it will be shut off. In essence, the company does not care about its patrons as they continually refuse to fix this. No one can explain why the card continually gets deactivated and the only response I get is "we worry about fraud every day". It doesn't even make sense as the card was deactivated for a 40 dollar charge in my home state!

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 letter simply says sorry for the inconvenience. It does nothing to address the problem, which is that the programming to "trip" fraudulent activity is too sensitive on my credit card. There is a fraud department within the company that could review and revise this programming but this is never offered. This is the third time in the past year that this has occurred and nothing is ever changed. The entire situation was handled in an unprofessional manner and that was not addressed either. As it stands everything is exactly the same as before I submitted this complaint.

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

Business

Response:

We have contacted the customer as of August *, 2015. Should the customer have additional questions or concerns, they can direct those to the address listed in our response.

Review: I have had a credit card through [redacted] for years, and I was shocked when I received a letter from a creditor for $365.86. From what I can remember last, my balance was $0, and a payment to pay off the balance of $71.08 was given to you on 10/*/2014. But the card was closed sometime and a new card was given to me between September-October 2014.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like a clarification of both of the accounts mentioned, and why a new card was issued to me and then an old account sent toi collection. If I owe anything, I would like to be told what was purchased, and a balance. This does not make sense. I don't owe anything, and should not have been sent to collections at all.

Business

Response:

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

Review: citibank credit card I used more than four years, and had to apply for a first credit card when applying for a credit card that pays 500, originally with the good, there is time to deal with things, there is a salesperson told me that your credit card use too much time, you should change a credit card, so I in April last year she helped me to cancel the original credit card, this changed now, had no problem, but this year, I was ready to buy the next one When a new car, car dealers has told me CITIbank 184.99 owe no further, I am very strange, so to the bank to ask what was going on, who knows just arrived in the bank ate a cold shoulder, the attitude of the salesperson to help me apply for credit cards 180-degree turn, We are not a credit card, said tube, put me in a small corner of the call to make my own, so I give myself credit card citibank call, then that is a department pushed to another department and then pushed to another department, a variety of push I have been hit more than 1 point from three points, the last phone calls, or they shut themselves off because they work, and things looked not resolved, I should think of a way, so I find the staff to come and help the bank to ask, Who know the employees of the bank proposed to put money in the future on the phone, when I feel right, because after all the money I do not know whether the consumer, why I should have, I still put the money back, and other statements over the years when I look, I'm really speechless, they say, when I canceled the card also produced 17.53 knife did not need to accompany written where consumption is going to pay anyway, and I did not receive any notice, Is this is your King regulations it? Then I'll clearly see the $ 35 monthly deduction until buckle my five months, and only then closed my account, halfway I have not received a letter, let alone of my credit. I deducted more than 100 credit points. The things I dealt with two months, and has been on the phone! ! I put the money in your bank, regardless of anything, to find the relevant departments have not found a thing dragged on for 2-3 months, I really have no way

Product_Or_Service: credit card

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

Things have developed to this point, I do not intend to do too much money should I pay for those who do not have paid me too, but I only requirement is to put my credit card company gave me, because this is not my wrong, I should pay the money already paid in full, as early as April last year has been paid, the bank is simply too irresponsible to do so, I recommend the bank to give me a talk! Returned my credit points

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: Initial purchase was enrolled in wrong purchase promotion, will not correct or rectify the issue. Charged nearly 1500 in interest due to their mistake

Initial purchase was made in August of 2011, and the cashier rang up the purchase under the wrong promotion. It took some time, but eventually the customer service reps agreed to correct their mistake. However, they switched it to the incorrect promotion. Instead of switching it to the 11.9% fixed interest promotion that [redacted] always offers in their stores, the rep clicked the wrong promotion and set it up on a 36 month no interest plan. The big issue with that is that I was not aware that it was enrolled in this particular promotion, and because of that when the promotion expired I was charged a lump sum of interest. Since that occurred I have spoken to Citi, and so has my husband and we were assured that the problem would be handled appropriately and that the issue would be fixed. A supervisor by the name of [redacted] advised us that the promotion would be corrected and that the lump interest would be removed from the account as well. This morning my husband called to follow up to assure this was completed and we were told that Citi can do nothing to help us and that we have to pay the $1500 in interest. They are not willing to correct their mistake and are insisting that we pay all of the unjust interest.Desired Settlement: I am asking for [redacted] Credit/Citi Financial to remove the lump sum interest applied to the account and give me an opportunity to pay off the card as initially promised.

Business

Response:

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

Review: I have all my payments maid and cashed and when I call, I get a busy signal, H/U on or the call never gets put through to # ###-###-####.

Payments are not posting in time of payment. Receiving privacy manager calls via cell. Cannot get through to CS dept for payment detail. the number I call will not go through and it is the number on my bill. Spent 2 hours on the phone 7-27 and got nothing but recordings. The address on my bill does not match the address on the website or the Revdex.com [redacted] address. ###-###-#### on my bill, seems to go no where.Desired Settlement: I would like to be contacted by [redacted] ###-###-####.

Business

Response:

Tell us why here... We will be corresponding directly with the customer as Citi has not received authorization from the customer to release information to your office.Regards, Kenya S. B[redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.They called and apologized for the inconvenience, however, all 4 company reps I talked with, somehow, had no recorded response to my frustrations. We have cancelled our account and will no longer be interested in them. They did refund the bogus late fee and a past interest rate charge.

Sincerely,

Review: Citi has defrauded me. Again. They allowed someone unauthorized to use my card to use it anyway, and even though I reported the fraud, they only took off a couple of the charges. I had to call them several times, and they still haven't resolved the charges. They even charged me a finance charge and a late fee on purchases that they know to be fraudulent. This is deliberate complicity in a federal crime. After I finish writing this complaint to the Revdex.com, I will contact the appropriate Federal and State regulatory agencies, as well as the appropriate prosecutors.Desired Settlement: I would like a refund of all the fraudulent charges, including Citi's own deliberately fraudulent finance charges, as well as restitution for all the time I've wasted dealing with this criminal company.

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:

[Your Answer Here]

I am still being assessed late fees and finance fees on fraudulent charges.

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

Sincerely,

Business

Response:

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

Review: I was offered a credit card from [redacted]. Said no interest for 6mo.On promotional products and 25 dollars of the purcess I was making.( come on) I got it and built the shop I wanted, From day one I paid more than the minimum thinking it would be no problem to pay of the couple of thousand I spent. I just found out (The bait and switch) that because I didn't call and tell them to put the extra I was paying each month on the promotional balance very little had been paid on the promotions. I wrote on every check to do just that,Was told " well a machine reads them so it wasn't done. I was never told to call, I assumed it would be automatic.(yes I know what assumed means). Now I find that the interest has been accruing at 23% and if the promotions are not paid by next month,May the accrued interest is added to the balance! They told me that the extra money was only put on the promotions in the last two months before the six month period is up! This will cost me a few hundred more because now the interest is added on and I will have to pay 23% on the interest added to the balance plus the promotional balance that was not paid!!! That adds up to over 40% interest on part of the balance! Well this is not explained very well in the fine print,I think it a scam!! There is no way I can pay this off at this late date, I know I should have kept better tract,but I trust people to do the right thing, This will cost a lot of seniors a lot of money and should not be allowed!Desired Settlement: DesiredSettlementID: Other (requires explanation)

[redacted] should not have a credit card available, This is plane and simple a Bait and switch and should not be allowed. I will pay for what I bought, but would like the interest adjusted to O% on the balance. Then I will cut up the card!

Business

Response:

We are responding directly to [redacted] and he will receive the response via U.S. mail in 7-10 days. If you have questions or would like a copy of the response we would ask that you contact [redacted] directly for that information.

Review: On July *, 2015 I went to Jewels Emporium in Jaipur, India to pick up an order of silver jewels models.

When I went to pick up the silver models, I was told that I needed to pay $550.24 before the models would be released to me. I paid this on my Citicard credit card on July *, 2015.

I was told to return the following day and everything would be ready for me. When I returned to the company I was told they would not release the models to me unless I placed a $50,000 order.

When I returned to Los Angeles, the company sent an email that stated they owed all the models.

I filed a dispute with Citicard as well as sent the company a demand letter and also had a [redacted] pick up scheduled. They refused to release any models.

The company sent Citicard a fraudulent, in store receipt, that I both never signed nor ever even saw until I opened the dispute.

The charge is fraud.Desired Settlement: I would like a refund since I never received anything for my charge.

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: Would not process my disputed by a merchant that sold me a opened/used/defective item

I called CitiBank and ask can I send them picture of the item's packaging was opened and retaped. They said "no that is only reserved for court proceedings"

They denied my dispute twice. After faxing them a requested letter and documents

-----------------------

The item first received was in an opened/used condition with 3rd party tape clearly visible (evidence can be provided upon request).

According to the email on the dispute record, [redacted] offered to fix the problem over [redacted], which never happened. The fix was from a [redacted] video I found, not affiliated with [redacted]. Using the video I found to temporary fix the item received, which required 3rd party methods and parts to barely fix (original issue with product still persisted).

Phone: ###-###-#### (We accept collect calls)

Fax: ###-###-####

[redacted]Desired Settlement: Refund of original amount and compensation for a week worth back and forth with dispute department would be nice.

Business

Response:

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

Consumer

Response:

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

[Your Answer Here]

To Citi:The merchant is a fraud, their website where the suppose "Terms and Conditions" were not there before and always changing. If you go there now it has this following message: "Site is Under Maintenance We will be back soon!"It seems like [redacted] and [redacted] have a better dispute process.

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

Sincerely,

Business

Response:

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

Review: Hi. I decided to login to my [redacted] Credit card account to see why my account min. due payment was $66 because it has never been that high before and I noticed they charged me $513.29 in interest and no credit card company has ever did that. So I then called customer service and the guy I talk to said it was because it was back interest on a purchase I made back in March 2013 of amount $1022 and I said there is no way I would have ever signed a finance paper stating that I would pay all back interest if the product was not paid in full within 18 months and no one told us that if it wasnt paid in full by then that I would be charged all back interest. And by law all finance companies are to disclose to each customer that on special financing terms such as this one that if the item being purchased if it wasnt paid in full that the customer would be charged all back interest. Which [redacted] did not do when we purchased the washer and dryer. I would have never agreed to these terms if they would have done their job and told us that. But no one told us.Citi bank is the crecit card company over my [redacted] account. Which is why I am sending this complaint to you for citi bank financial. I think someone lied to us to just get us to buy the washer and dryer. I wouldve not agreed to that deal. I wouldve paid the interest each month on that purchase to prevent this from hapenning.Now thanks to them doing this to me and my family. They overdrawn my account by $400 and that is not fair. I will NOT pay this because by law no one told us these special terms. And they were suppose to.My husband is very angry at what [redacted] credit service ( citi bank) did to us.

Product_Or_Service: Washer and dryerDesired Settlement: DesiredSettlementID: Refund

We want all interest in amount of $513.29 removed from my account and my available credit limit returned to my account before they charged that high interest.

Business

Response:

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

Consumer

Response:

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

[Your Answer Here]

They sent me a letter in the mail and to me and my husband that letter was a joke and rudely written.

they said they would refund the $499.99 interest charges and only if I paid off the $829 owed from the 18mo finance deal. That was real stupid. I am not doing that because the 18mo deal did not show up on none of my statements till my Sept 2014 statement and if it was listed, we did not see it. Plus I called a lawyer and got advice and the attorney said if at the time of purchase [redacted] stire clerk did not disclose the full terms of the 18mo no interest aggrement , and that at the end of the 18mo terms was over, and they slammed me all at once with all these charges, that is considered fraud. And I did alot of research and I am not the only person they did this too. I feel deep down citi bank knew what they did wrong and now they are blaming me for their stupidity. I went and talked to the [redacted] at the [redacted] store and he said " we have had customers claime that cici bank has done this before and that they were told to not disclose all terms at time of purchase so the customers would have to pay for all interest at end if the term of sale and that now they do not offer the 18mo term sales unless customer ask at time of perchase. They do not tell our customers about it unless they see it on the checkout pad. "

This came directly from the [redacted] at the store we went to where it was purchased. So yes, this is a scam citi bank is doing to thwir customers.

I feel by law anytype of deal that is run through any store that all customers are to be told all terms at once so the customers decide rather or not they want that deal. If we woukdve know that deal included all interest at once if balance not paid by end of term, we would NOT have done this. We woukdve just paid monthly interest with the purchase.

so no I do not agree to their joke of a letter they mailed us and I will only corrispond directly through better business about this.

thanks you

[redacted] and [redacted]

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

Sincerely,

Business

Response:

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

Review: 6/**/2015[redacted]Attention: [redacted] - #[redacted]###-###-####Dear [redacted] - #[redacted].,This letter is your formal notice to ceaseyour unauthorized hard inquiries into mycredit report and, a formal demand thatyou immediately contact the creditreporting agencies and credit bureaus,where your organization has madeinquiries into my credit history, to haveyour illegal inquiries removed. Beadvised that I will be checking myreports to ensure you have had thefollowing unauthorized inquiriesremoved:Made by: [redacted] - #[redacted]Made on: 6/**/2015Made with:[redacted]I have not signed any documentsauthorizing your organization to view mycredit history therefore, your inquiry intomy credit report violates the Fair CreditReporting Act, Section 168b(c):Transactions Not Initiated by Consumer.If you are in possession of anydocument that you believe authorizesyou or your organization to makeinquires into my credit report, Irespectfully request a copy of thisdocument be sent to my address listedabove so that I may verify its validity.Given the amount of identity theft, Imsure youll agree that verifying yourinformation is in your best interest.Finally, assuming you do not possesinquiry authorization or authorizationinto my home property address and loaninformation, I request that, afterremoving your unauthorized and illegalinquires from my credit profiles, you alsoremove all of my personal informationfrom your illegal records and send meconfirmation that you have compliedwith my requests.Sincerely,[redacted]Once again please have this Illegal business remove my personal information from there Illegal records I have forward there Illegal run of my credit to my attorney the JDL and ADL.Desired Settlement: DesiredSettlementID: Other (requires explanation)

Once again please have this Illegal business remove my personal information from there Illegal records I have forward there Illegal run of my credit to my attorney the JDL and ADL.

Business

Response:

This is a duplicate from a different Revdex.com Agency (No. [redacted]). We responded to the customer on July *, 2015. The customer should allow 7-10 days to receive our written response. Should the customer have additional questions or concerns, they can direct those to the address listed in our response.

Review: I opened a citi gold account online in June. Right now, my account is still not functioning. Here are the details. 1. I haven't received an ATM card until I called customer service three times in two months. They sent me a ATM card by Fedex with no passcode. I ended up visited a local branch and the branch staff told me that the ATM card I received is not even on my profile. So the branch ended up issued a temp card and helped me to file a request for a debit card. 2. Every time I contact customer service, they sent the reply in an email with attachment. The attachment is password protected but they never tell me what the passcode is. In other words, I never know they response to my request since I cannot open the attachment. 3. The account is still blocked today and I cannot make any deposit online or using ATM into the account. I have to go to the branch counter to make my first deposit. If I have to do this, what is the point of opening an account through online system? 4. When I opened my account, there was a promotion said that I have to do a direct deposit and to do a bill pay within 60 days to get 40,000 thankyou points promotion. Since I cannot deposit money through online even now, there is no way I can complete their requirements. So I did not get the promotion they promised. 5. I mailed my signature to the address indicate on the letter back in June. That mail got return with "this address does not exist". I have to submit it through branch again. 6. I tried to convert the citi gold online account to a local branch account since it caused me so many problems to get everything set up. I was told the only way to do it is to close my current account and open a new one. But all promotion does not apply to the new account. 7. I did not receive any monthly thankyou point as citi promised for citi gold account because my account is blocked and I cannot do anything with it.Desired Settlement: 1. Deposit 40,000 thankyou points into my thankyou reward account. It is not because I do not want to complete the required task, it is just because there is no way I can do it with my account blocked. 2. Deposit monthly thankyou points into my thankyou reward account. It should be 900+250 per month for 4 months, ending in Oct **, with total 4600 points. 3. Unblock my account and convert the online account to a local branch account. 4. Additional 10,000 thankyou points for all the inconvinence and inefficiency. With all four requests, the total thankyou points should be 54600 points.

Business

Response:

Dear [redacted]:

Thank you for your correspondence regarding the above consumer.

We have completed our investigation and have responded to [redacted] on October **, 2013. If you have any questions regarding this matter please contact the consumer directly.

I hope this information completes your file. If there are any questions, please let me know. I can be reached at ###-###-####.

Sincerely,

Client Liaison

Review: On 7/**/2014 I signed a contract for $6,858.00 with 24 month no interest to get my garage sided, facia and gutters installed.

It took almost 3 months to finally get the bill priced the way it was supposed to be priced because the home deport services and credit department kept messing it up. I checked my bill today and the total owed is correct but they broke the amount down into 3 different charges with 3 different due dates with no interest and I find that totally unacceptable. They billed me on how they were billed by the people doing the job and that has nothing to do with me. I have a copy of my contract which states the total amount and a 24 month no interest for the whole job. I would love to fax this to you to prove my point.Desired Settlement: I just want the billing to be correct with the total amount being 24 months no interest. Thank you

Business

Response:

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

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 am a Citibank Credit card holder and have been for the past 2 years. I became unemployed in 2014. I got behind on my Sears [redacted] Citi and fell behind. Account Number [redacted]. I spoke to CitiBank collections in December 2014 and January 2014. The representative offered me a few programs to get caught up since I found a job in December 2014. One of the choices were a small payment of $102 with no interest, but the account would be closed. Another choice she gave me was $505 payment, and the account will remain open. I believed her and chose the higher payment. Now that the payment program is finished. I found out that the account was closed in November 2014, before she even put me on that plan and felt she deceived me to put me on that plan. So now I have to continue to pay that card with interest but cannot use it. If the Citi Collections rep would have been up front with me and told me the account was closed I would have chose the first option. I feel that I was duped into making that decision that actually put me in a real bind to make that $505 payment for those 3 months. I was in a really bad hardship. I spoke to Trevor and Darby who says that there is nothing they can do about it and they were sorry she said that. I spoke to JP in the Collections department and told me the same thing. Now because of this, I have been paying over $100 in interest a month with a fee of $35.00. I then reached out to the CEO's office, by email with the above information and I had a female representative call me and and say that they have no record of any phone calls. I explained to her that I had my phone bill that had over 31 phone calls from Citi during that time. I faxed it over to them and never heard anything from them. I also realized that she did not send me anything in writing or email format. I continue to get 4 to 8 calls a day from Citi starting at 8am and 9am in the morning. All of which are recorded on my phone bill. Last week I spoke with the Escalation department and told them not to call me anymore that anything that I will do with Citi has to be in writing, sense they seemed to "renig" on the previous deal that I did not have in writing. The manager said ok and confirmed it and said I would have to call them and they will not call me anymore. Phone calls stopped from daily to 4 days of no calls. Day after Christmas, I get a call from same number. thought was a mistake and ignored it. On Dec [redacted] called at 9:09am while I was sleeping in. then received another call at 12:15pm and I answered. Spoke to a Juanita, and she said it is not in the record that you wanted phone calls to stop. I explained to her about the call I had and she just talked over me. Then she sent me to a manager Carissa in the Escalation department. She said there is no notes that says no more phone calls. Again Citi deceiving me again saying and also wanting me to confirm last no more calls only in writing lied right to my face. She was also from the Escalation department and was on the phone with her for about 40 minutes going over why everything from Citi needs to be in writing because they seem to not have any information of what they promise. and again break that promise.Desired Settlement: To discontinue all Phone Calls. To put everything in writing for proof of their promises. And to go back to their original agreement of $102 a month no interest and remove All Late fees and Interest from original promise date.

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:

At The time of the payment arrangements. I have phone Records of phone calls that Citi has made to me over 20 calls during that period of the payment arrangement. Citi claims that payment arrangement was done online that they could not find ANY records of any Phone calls Made. I saved all the Cell phone records of the phones calls some lasting up to 30 minutes. The letter from the Executive office stated there were no phone calls that discussed payment arrangements. My question to them was what else would the Citi Collections representative be talking to me about if it wasn't talking about how to get current on the account. Those 20 + calls in that 30 day time period, each time, was what can they do and I do to get caught up. The programs were discussed with me at least 10 times but hadn't decided yet, because I had just started new job. Once I decided I jumped on the Live Chat and then online to sign up. I can forward all of the Phone Records to Citi if they need proof that the phone calls did exist. Also the Response says that I asked for a Complete Cease and Desist. That is incorrect again. I asked that they stop calling me 4 times a day and do everything in WRITING since they seem to misplace phone records. They transfered me to the Escalation department and they said I will stop receiving phone call. 4 days go by ,and back to the 4 phone calls a day. Again talked to the Escalation Dept. they said that I did not tell them to stop calling (again more lies). This time they said they will stop all of it. I explained to her that everything needs to be in writing since Citi seems to misplace Phone Conversations and agreements to payment plans as well as asking no not call. I though the 4 days of Silence they did but then back again. I finally figured how to block the number because they still continued to call. Again those records are available for Citi to review which noone has said "Yes", they would like to see them! I do not think it is unreasonable, especially of what I have been through with Citi, to just request everything in writing. I'm sure they have nothing to hide.

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

Sincerely,

Business

Response:

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

Consumer

Response:

They did not send a response to my last statement. What you have was there original response. What they mailed to me was the response they gave you. I am waiting for the response from my last statement. They said they responded but they are using their original statement. They have failed to answer the second. They seem to not care about the phone logs or any other documentation that backs up my issue.

Review: On 5/**/2013 my husband ([redacted]) and I received a UPS delivered letter from our current mortgage company (Citi) inviting us to reduce our rate and payment. I called and talked to Mortgage Consultant [redacted] Moreno about refinancing our existing loan with Citi. We had refinanced just over 2 years ago and had changed nothing with our Citi mortgage or Home Equity Line of Credit with Huntington bank. We always made timely payments, have a great credit rating, and were changing nothing to our exisiting terms other than lowering the rate and term. With this understanding that nothing was changing (other than term and rate) from our refinance 2 years ago we agreed to the $360 application fee. Through the next three months we provided all required documents and responses in a timely manner.

On 8/**/13 [redacted] informed us our loan was at a standstill because Citi would not accept the current negative amortization agreement with our Home Equity Line of Credit with Huntington. This very same HELOC was in place before and during the refinace to Citi in March 2011. We were told we would have to close the HELOC and roll that balance into our Citi mortgage or the loan would not be approved. This is a big change from the original terms of the loan we paid $360 to apply for. It would cause us to have a larger payment due the first of the month and would harm our home improvement plans by closing the line of credit. Citi would not grandfather the current provisions we have in place with them today.

Without further discussion [redacted] informed us that our loan was declined on 8/**/13. I requested a refund of our application fee since they had changed the terms of the agreement to which we originally paid the application fee. I was told I would not receive a refund because it was "..not Citi error."Desired Settlement: Since Citi changed the terms under which we initially were applying (which was refinancing our current mortgage with our current HELOC in tact) we want a refund of the application fee. We had not changed anything with the mortgage Citi acquired in March of 2011. If the existing HELOC was no longer acceptable for the refinance they should have disclosed that before we applied or they should not have sent us the invitation letter to refinance in the first place. Since it was their mistake to invite us to refinance an ineligible refinance, they should return our $360 application fee to us.

Business

Response:

Dear [redacted],

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

Mortgagors: [redacted]

Property Address:

We have investigated this matter and addressed [redacted]and [redacted]'s concerns with them directly via a letter dated September **, 2013. We have no record of receiving a signed authorization to release account information; therefore, we are unable to provide any details to you about our investigation. Please contact [redacted] and [redacted]. [redacted] directly if you require further information.

Should you need additional assistance regarding this matter, please contact the Executive Response Unit by telephone

at ###-###-####, Monday through Friday, 8:00 a.m. to 5:00 p.m., CT. Thank you.

Sincerely,

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:

Good morning Dispute Resolution Service Mediator,

Attached please find the 9/**/2013 letter from CitiMortgage to us. Also attached please find the 9/**/2013 letter we will be mailing to Citi via USPS tomorrow. I would have been happy to fax or e-mail it to them had they provided this information.

Please let me know if this fufills your current request to keep complaint [redacted] open and active from our side.

Thank you for your help with this matter,

Dear [redacted] and [redacted],

This letter is in regard to your concerns received from the Revdex.com on September *, 2013. I am responding on behalf of Citibank and I appreciate the opportunity to address your concerns.

Please allow me to offer my sincere apologies for any inconven ience you may have experienced. Please be assured, the events that tran spired do not reflect our goal of excellent customer serv ice and we appreciate you bringing these matters to our attention. I hope we can restore your trust in our company, which strives to maintain customer satisfaction.

Please be aware that a solicitation is not an approval or promise to lend. It is strictly an offer for which you may be eligible for upon a full review of you appl ication and supporting documentation . We understand your dissatisfaction with the conditions required for loan approval. It is not our intention to cause you frustration, but we must follow the lending guidel ines enforced by our investors, as well as our own credit policy. At time of application, we are not aware of additional documents that may be needed until it is reviewed by an underwriter. Each loan is unique and will require different documentation. Once documents are reviewed by underwriting, additional l documentation may be required for verification.

For all marketing initiatives, we regularly perform an analysis to ensure we are presenting a value-added offer to our customers. Our retention efforts only solicit customers on their current loan in order to provide them with a low or no cost refinance, purcha se offers,

lower interest rate notifications and overall market updates. However, we purchase sed your loan number [redacted] from GMI Home Loans, LLC . Therefore, it was not originally underwr itten by a CitiMortgage underwriter and is why the negative amortization was not discovered until now.

We understand your dissatisfaction with the conditions required for loan approval. It is not our intention to cause you frustration, but we must follow the lending guidelines enforced by our investors, as well as our own credit policy . Your second mortgage held by Huntington Bank is a negative amortization loan. A negative amortization loan is a mortgage repayment plan in which the borrower makes payments that amount to less than the interest due. Unpaid interest is then added to the outstanding loan balance, causing the outstanding loan balance to increase instead of decrease. Negative amortization is ineligible for subordinate financing. You were offered a cash out refinance in order to consolidate the second mortgage and pay it in full, but you declined this offer.

You loan application for a refinance was declined on August **, 2013, due to ineligible subordinate financing.

The $360.00 fee is considered a non-refundable fee collected via the credit card of choice upon a written or verbal consent to proceed received from you. On June **, 2013, we received verbal consent, along with the signed loan documents with your consent to proceed with the application. According to the Real Estate Settlement and Procedures Act (RESPA) guidel ines, as of January *, 2010, all mortgage lenders must allow the mortgagor to review the loan disclosures and obtain verbal or written consent prior to charging any loan fees. Once consent is obtained, the appl ication fee is collected and deemed earned by the lender at that time. We respectfully decline your request for a refund.

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

Your feedback will be provided to the appropriate parties for process improvement purposes. To otherwise contact us, you may visit our website at [redacted] or access our Automated Account Information Line, which is available 24 hours a day at [redacted]. We appreciate yourbusiness and look forward to continuing to serve you in the future. When you contact us, please refer to your loan application number

Sincerely,

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

Sincerely,

Review: I applied for a credit card and received it April 2013. About a month ago, my husband stated my credit card was showing up on his credit report. I don't remember adding him to the account. I asked CitiBank for a copy of my original application. The first time I asked, which was April *, 2015, I got no response. I called in again on April **, and the person I spoke with said my request was never processed. I received an E-Communication which said the application was done on-line; therefore, they can't produce it. I don't remember if I applied on-line or on paper. I need to see my original application to see if my husband was on the application I filled out or if CitiBank added him without my permission. I find it hard to believe that applications with a banking institution would not be available, even if it was done on-line.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like to have a copy of my original application from CitiBank sent to me so I can see if I indeed added my husband to my account or if he was added without my permission.

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.

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. Thank you for your assistance with this matter.

Sincerely,

Review: Last month I called Citi Bank customer service that I would like to link two citi credits card (SSO). He told me if I open citi checking account I would be able to use SSO. So I opened CITI Checking account and tried to link my checking account to my existing user name. When I was not successful, I called citi bank I was talking to rep and she couldn't help me so I requested to speak to her suvp then she goes like 'Sir I can't hear you', then again 'sir are you still there' finally she goes like 'bye'. So I called again this time new rep told me If I activate my debit card then I can use the SSO. so I activated the card and tried to link again but again it didn't work. So I called citi bank Technical support. This time rep goes like I need to open new user id for checking account and then link all credit card. I explained to her my problem that I'm asking for single sign on not two user ids. She goes like this is the SSO process, so I asked her what will happen to my existing user id. She mention it will be still there ' you can forget it or remember it its up to you'. So I tell her if I forget and someone HACK my account, she goes like No one can HACK citi bank. So I asked are you confirming no one can HACK citi bank, she then goes like I never said that. So I tell her the reason I opened checking account is to use SSO not have multiple user IDs, she goes like if you don't like what I'm saying feel free to close the account. So I asked her to transfer to her suvp then she doesn't respond anymore.Desired Settlement: I would like Citi Bank to start SSO.

I don't want to maintain two ID's

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: CITIcards is charging me $84.95 of interest after I made a purchase of $30.61. I inquired to them why my interest payment for a $30.61 purchase. What is the benefit for the customer of using this credit card if youre going to charge them interest based on the entire remaining balance along with the charge itself? I think that is deceiving to the customer to allow interest charges against on the customers remaining balance, instead of the charge itself. And no this, did not clarify anything. Actually this makes me think CITI is not looking out for me, the customers if they keep robbing me on interest charges rather than actual purchases. Frankily Im very discouraged by this. I dont make a lot of money, and I use the card as a fall back in case I'm low on finances. I don't see what the benefit is in using this card. It seems these were designed to rob the [redacted] out of customers like myself

On 11/**, I had a balance of $500.10 on my CITI MasterCard

I made a purchase of $30.61 on 11/** CITI then charges me $84.95 of interest for that purchaseDesired Settlement: I want a refund for the $84.65 interest charge, along with the $24.30 payment safeguard they charged me, WITHOUT my authorization

Business

Response:

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