Citi

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: Want the $100+ credit in my [redacted] account back?

Citibank never sent me a bill. So it kept tacking on late fee and a $10 credit protection (undisclosed) fee. So I payed the full amount when I discovered it. Now the $100+ credit on the account is inaccessible, because I closed the account. They haven't reimbursed me, sent me a gift card of that value or anything.Desired Settlement: I want the credit balance back. I am very very annoyed that since [redacted] went with Citibank, they do this late fee without notice or bill. So I will not do business with a bank we bailed out that behaves fraudulently like this. I ended my [redacted] credit line because of this behavior.

Business

Response:

Thank you for your communication regarding the customer's 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: [redacted] Master Credit Card Issue. I was told that I would have interest free for 6 month and found out I had been lied to. When I called I was told they could not review the information and there was no way to fix the issue.Desired Settlement: DesiredSettlementID: Other (requires explanation)

[redacted] Master Credit Card Issue. I would like my 6 months interest free as told when calling to find out about promotion.

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?Thanks!

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: sounds like they are blowing me off as all major business do. Not satisfied and believe that this system is flawed and failed to help with my resolve.

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?Thanks!

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: (Reference ID # [redacted] and [redacted]) Three Years ago I started a home improvement project with [redacted] to replace my cabinets and installation of a wooden floor in my kitchen. The project was just finished December **, 2015. I called Citi numerous times to dispute the payments associated with my job with [redacted] due to the delay in the completion of the work order. Citi refused to accept my dispute and refused to investigate or research the issue to assist in resolving the matter because their policy said that it was too long a period from the original purchase date. Had Citi investigated the situation they would have realized that this was a legitimate dispute that was still open and finally resolved on December **, 2015. To resolve this issue I expect the following:

1. Remove the account from collection

2. Delete the delinquency history

3. Credit back all related finance charges and fees

4. Re-submit billing as if the account opened on December **, 2015

5. Provide a credit to the price for the aggravation and inconvenience (incomplete kitchen) associated with this entire process from 2013-December **, 2015.Desired Settlement: 1. Remove the account from collection

2. Delete the delinquency history

3. Credit back all related finance charges and fees

4. Re-submit billing as if the account opened on December **, 2015

5. Provide a credit for the aggravation and inconvenience (incomplete kitchen) associated with this entire process from 2013-December **, 2015.

Business

Response:

We corresponded directly with the customer via the [redacted] on 12/**/2015. Please allow 7-10 business days for the consumer to receive our response. If you would like to further discuss the resolution, we suggest you contact them directly.

Review: I have a [redacted] charge card and have been doing business transactions with it for several years. In June I made a purchase that exceeded my credit limit. Instead of notifying me that I was over my limit and allowing me the option of cancelling the purchase, someone at either [redacted] or Citibank opened a loan in my name and put the overage in the new account. I never applied for this account. I was never given terms and conditions of the new account, which I did not open.

I continued to make payments on what I thought was my [redacted] account. From June until now the majority of my $200 payment (about $1,000!) has been going toward interest. I do not know the interest rate of this new account, for which I did not apply and have no paperwork.

I have made several attempts to get the interest rate lowered. Today I stayed on the phone for nearly two hours and was passed to at least ten departments, including the fraud department, and once to [redacted]. I spoke eventually to Dallas in Customer Service at Citibank. She advised me that she could close the account to stop accruing new interest. I would then be able to apply all of my $200 payment to the balance every month. She advised me that she closed the account, at my request. I asked for it to be retroactive to the date of my first attempt to lower the interest, for which she passed me to a new department.

Brandi in Client Advocacy Unit advised me that the account was not closed and there was nothing I could do but keep paying. There is no way I can ever pay this debt under the current conditions!

I believe the opening of this account constitutes fraud, since I did not initiate it.

I am requesting the Revdex.com investigate the entity who opened this fraudulent account. This does not seem to be a legal practice. It is very shady to me. I am requesting that my [redacted] account be closed so no new interest is added. I would be happy to pay the account off once the interest stops adding to it as fast as I can pay.

Thank you.Desired Settlement: Close my [redacted] account. Close this account for which I did not apply. Stop interest from being added. Apply the payments made between June and present to the principal on my [redacted] account. Advise [redacted] and Citibank that opening an account without an application from the person named on the account is illegal.

Business

Response:

We responded to the customer on January **, 2016 via the U.S Postal Service. The customer should allow 7-10 business days to receive our written response. If the customer would like to share this information, they can provide a copy of our response to your office.

Review: I went to the citibank on March *,2014 and try to withdraw $740 but the ATM went black and did not give me my money.I called my card and it said I withdraw $740 but I didn't receive no money.I have filed a claim but I have still not received my money.Desired Settlement: DesiredSettlementID: Refund

I just want my $740 that I did not receive.

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 opened a Home Depot credit card and was never sent a statement or a card because Home Depot cashier had me use an address as listed on my drivers license even though I told her I was in the process of moving. I never received a card or a statement. Due to the move, I forgot I opened the account and it eventually went to collections at Global Collection Agency. When Global Collection Agency contacted me in February I gave [redacted], Citibank, and Global Collection Agency my full contact info in February and requested a statement of charges to my account and after multiple attempts have not received a statement of charges. I settled with Glob*al in order to rectify my credit even though I have been trying to get any information since February. I didn't know my account number until 4/**/14. I still don't know what the charges were on my account.

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

I want my credit repaired because as soon as I knew I began the arduous process of settling my account. I always pay my bills and have suffered losses due to credit problems due to an account I had forgotten about.

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: on april **, request was made to Citibank for payment of $191.00 by NYS Dept of Taxation and Finance.Upon my presenting check #[redacted]for $934.51 on April 16 at 5:30 pm to deposit and requesting available date for access I was told by Rep. #4923.25 that payment request by NYS Dept of Tax and Fin had to be honored from check being presented and that $753.51 would immediately be available for use. On Friday, April **, I spoke with [redacted]-ID# [redacted], to confirm satisfaction of check presented to my Citibank account for payment. [redacted] told me that payment was fulfilled. I am now learning from [redacted], Citibank Executive Response Unit Rep, that the payment request from NYS Dept of Tax and Fin was presented 6 am on April ** and returned to NYS Dept of Tax and Fin at 10:30 am on April **. [redacted] told me that the $191.00 was not held by bank for payment to NYS Dept of Tax and Fin but instead was credited back to my account. When I spoke to Citibank teller she told me about the request for payment made by NYS Dept of Tax and Fin on April ** but did not tell me that the request was returned to NYS Dept of Tax and Fin at 10:30 am on April **unfulfilled. She told me that she was withholding $191.00 from check presented for $934.51 and that $735.51 was immediately available. I am now, as I understand, responsible for $140.00 overdraft on my account as the request for payment was returned to Citibank on April **.Desired Settlement: I do not believe that proper accounting has been made on my account. I do not believe that I owe an overdraft amount on my account beyond the $34.00 overdraft fee. I want to have appropriate adjustment made to my account to reflect actual amount due with original statement being honored.

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,

From: [redacted]

Sent: Thursday, May [redacted], 2014 11:19 AM

To: Complaints

Subject: Re: You have a new message from the New York Revdex.com. Complaint # [redacted]

re: Revdex.com Complaint # [redacted]

I respectfully submit the additional information: block was placed on my account following direct deposit of check that satisfies the overdrawn funds. Pursuant to discussion with Citibank Client Services [redacted] on May **, I was told that block is placed on account with overdraft condition. We have agreed that condition was satisfied with funds deposited and that I now have access to available funds.

Review: I received a prepaid card CITI Prepaid . I was trying to follow ,several times, procedures to register the card: didn't worked out. I tried over the phone and I tried online..

Each time it tells me this card doesn't exist... what's more than weird as it has been loaded by a lawyers company.

I emailed customer service but it looks like these guys don't understand/speak English:

"

Der [redacted],

We not can veify the account ity you nanme na addredd on fil

We do aplogoze for the inconveniene

Your satisfaction is our top priority. Please do not hesitate to contact us with additional questions or concerns.

Citi® Prepaid Card Services Customer Service

###-###-####

Re

--- Original Message ---

FROM:[redacted]

SENT:4/**/2014 12:24:00 AM

TO:MyEcount Help

SUBJECT:RE: Your Citi Prepaid Services Inquiry [Case ID #: [redacted]]

Your answer doesn't make any sense. You got all the necessary info and as a customer service representative you should be able to answer my question. Of course you can always forward this email to REAL customer service -------------------------------------------- On Fri, 4/**/14, [redacted] wrote: Subject: RE: Your Citi Prepaid Services Inquiry [Case ID #: [redacted]] To: [redacted] Date: Friday, April **, 2014, 11:44 AM Dear [redacted] We have received your inquiry regarding your Citi® Prepaid Services Account. In order for us to fully assist you please contact our Customer Service Team by calling the number on the back of your card, or we can be reached at the number listed below. We do apologize for the inconvenience. Your satisfaction is our top Priority. Citi® Prepaid Card Customer Service Team ###-###-#### --- Original Message --- FROM:[redacted] SENT:4/**/2014 12:47:00 PM TO:Citi Prepaid Help SUBJECT:RE: Your Citi Prepaid Services Inquiry [Case ID #: [redacted]] THE ACCOUNT IS INACCESSIBLE.. COULD YOU TELL ME THE AMOUNT OF THEDesired Settlement: Just the amount loaded on the card

Consumer

Response:

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

Sincerely,

Review: Citi sent me a debit card with $10 on it. It sent me a term sheet that stated it would deduct admin fees at the end of 12 months. Instead of waiting for 12 months to passes Citi began deducting $3 admin fees within 3 months of the card being issued.

Please see accompany credit card term sheet. This is what Citi sent me. Obviously, these are what I have to assume are the terms. If changes to the terms are made, Citi is suppose to notify me. So when it says the money will be there on the last day of the last month, the 12th month, free and clear from any of the harsh admin fees that serve no purpose, that’s what it means. Again, Citi breached their own terms. If Citi changes it’s terms I don’t know how Citi expects consumers to know they've changed their ridiculous admin fee policy if they don’t notified them in writing. It just confuses people and it’s been a complete waste of my time. Had the money been there on the last day of the 12th month I would have used itDesired Settlement: I would like to resolve this by sending me a check for $10 at my address on file or reissuing me a new card with that amount with an actual 12 month limit to use without being subjected to your harsh admin fees.

Business

Response:

[redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on June **, 2014 from [redacted] regarding the Service Fees on an expired prepaid card issued by Citi Prepaid Services. As a company that is dedicated to providing world-class service, we strive to resolve all cardholder issues in a thorough and satisfactory manner.

The cardholder is requesting that a check in the amount of $10.00 or a new card without Service Fees for a 12 month period in that same amount. Citi Prepaid Services contacted [redacted] on July **, 2014. The Terms and Conditions of the prepaid card were reviewed with the customer.

After careful investigation and research, it was determined that Citi® Prepaid Services previously granted a one-time courtesy reissue for this account on October **, 2013.

[redacted] was reminded of the one-time courtesy when we spoke on July **, 2014.

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:

There is a reason the government recently fined Citibank 7 Billion dollars. That's billion in the largest fine against a US bank ever. It does matter if at $10 is at issue or $7 Billion dollars Citibank takes advantage of consumers when no is looking. Citibank is bad and evil for consumers. At issue here is $10 and Citibank has probably spent over $100 in man hours defending their stupidity. Do you expect me to believe that these same people with low business aptitude have the ability to resolve this simple breach of their own terms on the issued debit card.

Thanks for reissuing me a second card, please remember that you issued me that card for breaching your terms for charging account maintenance fees prematurely, you were not suppose start charging account fees until after the first 12 months. Mediator, I have sent this term sheet to you, it is in black and white, the last paragraph on the second page. Citibank issued me a second card yet again they swindled me a second time by charging account maintenance fees prematurely before the 12 months grace period. You didn't do me any favor you just showed me that Citibank is excellent at breaching it's own terms and conditions two times in a row. Again, in blank and white, since I am dealing with bone heads, the terms say "a monthly maintenance fee will be applied to all all accounts, provided that the fee for months 1-12 will not be collected until the 12 month anniversary date." So on when I went to spend the money on month 11 and it wasn't there that was Citibank fault. They did this to me not one time but two times on two cards, sorry you never provide any courtesy by prematurely siphoning off my funds into Citibank's quarterly earnings. It does matter how many times you issue the card, you have to abide by the terms you send me, 12 months no fee is 12 months no fee, not one day less.

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

Sincerely,

Business

Response:

To Whom It May Concern:

Citi® Prepaid Services received the response reject submitted on August *, 2014 from [redacted] regarding the Service Fees on an expired prepaid card issued by Citi Prepaid Services. As a company that is dedicated to providing world-class service, we strive to resolve all cardholder issues in a thorough and satisfactory manner.

The cardholder is requesting that he be issued a check in the amount of $10.00 or a new card without Service Fees for a 12 month period in that same amount. Citi Prepaid Services contacted [redacted] on July **, 2014. The Terms and Conditions of the prepaid card were reviewed with the customer.

After careful investigation and research, it was determined that [redacted] had been previously granted a one-time courtesy reissue for this account on October **, 2013. This information was also shared with the customer when we spoke on July **, 2014. As an additional courtesy, Citi Prepaid Services has issued a check in the amount of $10.00 to the customer to the address on file.

If the Revdex.com should have any additional questions, please feel free to contact me at the number and information found below.

Sincerely,

[redacted]

Consumer

Response:

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

Sincerely,

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: On ** September 2014, I made a purchase of $23.42 as was reflected on my October billing statement from Home Depot.On * October 2014, I returned the entire purchase of $23.42. Since this amount was debited back to my account as is shown on my November billing statement from Home Depot, I did not make a payment. This bill was not due until ** October 2014, and my purchase was returned before the due date. There was no other charge listed on my billing statement, so there was no payment that needed to be made.On ** September 2014, I made a second purchase of $33.76. From this purchase, a return was made to home depot in the amount of $6.05. When I received my November billing statement, it reflected the two returns in the amount of $23.42 and $6.05, and my second purchase of $33.76. In addition to these amounts, there was an additional charge of $23.42. On * November 2014, I made a payment of $27.71 - the amount that I owed. Included with my payment was a letter of explanation as to why I didn't pay the additional charge of $23.42. No response was ever received regarding this issue, so I thought everything was ok. On * December 2014, I received my December Home Depot Billing Statement, and in addition to the $23.42 charge, there was a $35 and a $2 charge - making my balance $60..42. I made different calls to the Customer Care Line at Home Depot, and the only thing they will do is to delete the $37 charges - if I will pay $23.42. Next, I sent an email to [redacted]. and I received a reply saying that I should call ###-###-####. With that email was a phone number to the resolution expediter - [redacted], ext [redacted] ([redacted]), so I called it. I had to leave a message. To date, I have never received a return call. I have sent letters and emails, and have not received a resolution. I do not believe I owe these charges. Additionally, I am now receiving numerous calls every day from Citi telling me that I now need to pay $90+. This is a form of harassment, as these calls have been going on all day long. I called today, and I angrily told the lady, who answered the phone, to stop the phone calls, or I will have to obtain legal assistance. Portions of some of the correspondence from me to Home Depot regarding this incident follow this letter.Home Depot Credit Services[redacted]To Whom It May Concern:I am in receipt of your letter dated December **, 2014, and I have tried different modes of communication, and everyone tends to send me around in circles.(1) On different occasions, I have called your number ###-###-####, and I have spoken to Barbara, Andrew, Jonathan, and a lady for whom I didn?t get her name. While I was on the phone with Jonathan, I was cut off, and when I called back, the last lady answered. They all insisted that if, and only if, I pay the $23.42, then they would deduct the $37.00 from my bill. I continue to ask why I should pay this amount as it is exactly what I returned to the [redacted] Isn?t that like double-dipping? I returned the item, but you still want me to pay you for items which I no longer have.(2) I sent an email to Customer Service at [redacted], and I received a response where I was told to call the above number. (3) After calling the above number and not getting a resolution to this issue, I obtained another phone number from that email, ###-###-####, ext [redacted] for [redacted], resolution expediter, and I called it. Since he didn?t answer, I left a message. To date, I have never heard from him.(4) When I made my payment regarding my November billing statement, my wife included a letter of explanation. To date, there has been no response to that letter.All this information is contained in my letter sent to your office dated December *, 2014. I again ask that my account be corrected to show the removal of the late fees and finance charges. If you have additional questions, please call my phone ###-###-####.Desired Settlement: DesiredSettlementID: Other (requires explanation)

That my charges be deleted.

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]

Consumer

Response:

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

Review: I keep getting these calls for Citi about some delinquent account. Since I have never had a Citi account and do not know what these people are talking about. If I owe them something the best thing they could do is mail me and stop calling me. If I have an account, it would make sense, but I have never had an account with the company and do not plan on getting one ever.Desired Settlement: DesiredSettlementID: Other (requires explanation)

Have these folks not calling my number for a non-existing account. The number they keep calling me from is ###-###-####

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: Dear Sir/Madam:

This complaint is with regard to my [redacted] credit card issued by Citibank, N.A. The last four digits of the account number are [redacted].

In summer 2014, by phone I paid the card balance in full (the late fees were waived). The account was supposed to be closed after that payment in full.

Instead, ever since I made that payment, I have been billed late fees upon late fees by Citibank. It appears that the agent who took my payment over the phone neglected to waive the late fees on the account as agreed and since then the late fees continue to be billed monthly. I have already called Citibank twice about this matter, each time a representative has apologized for the account being mishandled and assured me that the missteps would be corrected and therefore the

undue debt/late fees removed from the account. That has yet to happen. Today the account balance is $285.36 solely in late fees and interest on late fees.Desired Settlement: I am requesting that Citibank remove all fees from my [redacted] credit card, remove all negative reports they have made on my credit reports with the 3 credit bureaus, and close the account. Thank you.

Business

Response:

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

Review: the card advertises free checked bags on [redacted]if airline ticket is purchased with card + similar for traveling guests with cardholder.This was the only reason that I have this credit card.On Feb **, 2015 AA flight [redacted], I was charges for checked bags.

Product_Or_Service: airline ticket, checked bags

Order_Number: AA [redacted]

Account_Number: credit card contractDesired Settlement: DesiredSettlementID: Refund

$160 bag card credited back into credit card If they choose not to honor their commitment,I want to card cancelledI then want to enter proceed with binding arbitrationor alternatively pursue other legal remedies.

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 have determined that my complaint has NOT been resolved because:

I can confirm that they business did call me.I cannot confirm that the complaint was closed or resolved.They commented that the call was recorded for training purposes only.They stated that they could not accept my request for not having bag fees.I told them that I understood they chose that position but that I did not agree.My position is I flew on AA flights, I have evidence of AA flights, I booked on AA web siteand I perceive they have credit card positioned (which I used to book the flight) to allow bags checked without fees.I cannot confirm based on the $160 in charges that they have met my expectations.Not resolved, [redacted]

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

Sincerely,

Business

Response:

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

Consumer

Response:

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

I can confirm that they sent me a letter.I am satisfied with their actions.

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

Sincerely,

Review: I had a Citi Choice Visa for over 20 years. It paid 2% cash back in January on all purchases made during the previous year.

In March, I received a new Citi credit card in the mail, with the activation instructions. Without investigating, my partner activated it, and to my surprise they REPLACED my Choice card with a Diamond Preferred card with no cash back provision. I had earned $199 so far in 2015.

When I called in they said they no longer offered the Choice card, and could not reverse the activation of the Diamond Preferred card and reinstate my Choice card, which wasn't due to expire until 2016. As an IT professional, I know it would have been possible, if they were willing to do it..

One representative told me in a phone call that was recorded that my $199 rebate would be credited on my April invoice. When that didn't happen, I asked again and now they say I have FORFEITED my $199.Desired Settlement: Credit my account with the $199 I was promised.

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 received a response from the business in reference to complaint ID [redacted], and they have resolved the situation to my satisfaction. Thank you for your assistance. I don't believe this could have been resolved so well without your help.

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: 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: We tried to purchase the fridge a couple months ago in the [redacted]. store. We thought we were purchasing the fridge but instead had gotten signed up for a [redacted] credit card. We had all the money that day we went in and purchased the fridge. However the sales guy signed us up for the card so know we don't have the money. When we told him we did not want the card we just wanted to pay he said that we were not allowed to do it that way we had to have the card. We thought we would get a bill in a couple of weeks, but it did not come until the end of April. I have since sent payments but they are claiming we have not sent any. I don't make enough money to send them all the time and have them harrass me for me for more.Desired Settlement: I just want them to leave us alone. We do not want to pay them anymore money. We do not need to be refunded, but would prefer if they would not request any more from us. they are the ones that would not let us pay with cash and made us wait for the bill. We do not want to pay them for their mistakes.

Business

Response:

Re: [redacted] Card account ending in [redacted]

Dear [redacted]:

We are in receipt of your concerns submitted to the Revdex.com (Revdex.com) regarding the account referenced above. We appreciate this opportunity to address your concerns.

Our records indicate that your account was opened on February **, 2013, when you purchased $1,147.49 of merchandise. You received a $10.00 credit for opening the account.

Your original billing statement was sent to your physical address of [redacted] and was not returned by the United States Postal Service as undeliverable. The March 2013 billing statement required a $25.00 minimum payment by April **, 2013. On March **, 2013, you contacted our Customer Service Department and updated your billing address to the post office box listed above. In order to avoid interest charges, the full balance must be received by the designated due date. On April **, 2013, we received a payment of $50.00.

Because you did not pay the entire balance in full, an interest charge of $22.79 was added, as indicated on your April 2013 billing statement. A minimum payment of $34.79 was required by May **, 2013; however, we received a $25.00 payment on May **, 2013. This payment was late because it was not received by May [redacted] and it was less than the minimum required. In order to avoid late fees, we must receive the minimum payment as reflected on your billing statement by the designated due date.

We have not received any payments since May **, 2013. Our Collections Department began call attempts when your account became past due. All calls were within state and federal guidelines. Your request for no calls will be honored, but this does not mean that collection activity will cease. As long as your account is delinquent, it is possible that other collection activities will occur. The status of the account will be reported to the credit-reporting agencies accordingly.

Sincerely,

Regulatory Complaint Specialist Citibank, N.A.