Citi

Review: For the 4th time since June 2014, Citi has debited my checking account for the entire balance on my [redacted]plus account instead of the minimum payment that I selected. I pay both of my [redacted] accounts online and this only happens to my [redacted]plus account. I tried contacting customer service, talked with someone in North Carolina, I askedfor corporate, She then connected me to a person named [redacted] who claimed she was a [redacted],As I tried to explain what was going on, She hung up on me. I called back and then got a Kentucky call center who gave me Citi's corporater number. I called them they connected to some corporate office in Idaho that claims to the corporate area for [redacted] accounts. that number is ###-###-####. Ispoke with a lady by the name of [redacted], I also told her my phone was down to 8 percent of power, She then said she wouldcall me back after a hour if the phone went dead, Well I lost the power at 3:50pm, And It'snow 7:20pm, still no call back. During the 15minutes Idid speak with her, she tried saying when you pay online you get a confirmation e-mail of the payment. NEVER in 10 years of paying [redacted] or homedepot payments at citi's online website I got aconfirmation [ayment e-mail. Thre only e-mails I get is when the monthly statements are created. Noiw Again Citi's actions has caused me a $985.00 negative in my checking account that will cause my 2checks to bounce, House payment delay and servicefee's. And [redacted] saysI should requestmy bank PNC to absorb the fee's when this fraud is caused by Citi Bank. I want my money returned and all service charges refunded by citi, And Citi has a inhouse policy ofre=applying thepayment 3 more times even when they know it won't go thru causing more fees.Desired Settlement: Refundmy money including servicefee's less the minimum payment they knew I selected

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.

Consumer

Response:

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

I have 3 calls to [redacted]'s office and as of today no call back. This issues still left I cannot get in contact with them

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 only Addressed the issues after filing the complaint, too bad Citi didn't do it without the Revdex.com

Review: I contacted Sears MasterCard and Customer Service Rep [redacted] refused to help me.

I pay the bills for my wife [redacted] and one of those bills is her Sears MasterCard. The due date is the [redacted] of each month and last month I let it slip and when I remembered it was at 8am on August [redacted]. So when I got the bill there was a $25 late fee charge. I contacted Sears, as I have before, and [redacted] refused to help me with the account because my wife wasn't home. He stated that he can only speak with [redacted]. I stated that she already gave Sears permission before for me to handle her account. I was able to verify her name, SSN, date of birth, address and phone number but [redacted] didn't care. I also reminded [redacted] that in TN the spouses are allowed to discuss information with financial business with or without permission from the spouse so [redacted] is breaking the law by refusing to help. Furthermore, its not like I am trying to increase her spending limit or obtain information that I did not already have. I was calling to see if I could have a 1 time late fee credit. Afterwards because of the rude treatment I requested that [redacted] close the account and he refused again.Desired Settlement: I want to speak with an upper management [redacted] regarding [redacted]'s behavior. I want to have an apology letter send to me from [redacted] for his rude behavior. I also would like the late fee to be removed (Especially after [redacted]'s rude treatment). If these requests cannot be granted, then I want the account to be closed as we will never do business again with Sears as their customer service reps break state laws.

Business

Response:

Good Day All,

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

Regards,

Review: Billing/Contract Issues[redacted] Cards are actually citi bank's which may be confusing to begin with.On December ** 2014 I made a payment to cover the minimum payment due for December 2014 and January 2015. Citi bank is charging a Late fee for January 2015. They refuse to reverse the late fee because, according to citi's "customer service:, I paid too early. They are telling me that if I pay too early in the "payment due date" they will charge me a late fee. They never informed me of this deceiving tactic to rip-off customers. There's no information regarding early payment punishment on their website, the billing statement or any other documents. 1: Citi bank's first deceiving tactic to inflict late fees was to send the first billing stament to the wrong address. They finally corrected that after many long agonizing phone calls. Citi also refused to clearly describe the transaction and to reference my purchase order number on the statement.2: The billing statement DOES NOT describe the transaction. The billing statement" transaction description is "[redacted], Refence # [redacted]" In September 2014, I had a roof replaced at one of my properties using [redacted] services. My contract with [redacted] has a contract number and description of the materials that DON'T correlate with citi bank's statement. Only the Dollar amount matches. Legally in the US, all bills by any company have: (1) A Transaction Date(2) A clear description of the services and or product purchased (3) A reference to a contract number or purchase order number. EXCEPT FOR citi bank.Please help stop citi bank from deceiving customers.

Product_Or_Service: Replacement of roof, gutters, vent covers, metal d

Order_Number: [redacted]

Account_Number: Job # [redacted]Desired Settlement: DesiredSettlementID: Refund

Late fee reversal of $25.00It has nothing to due with the $25.00 fee amount. It's because of city bank's deceiving tactics that I'm contacting you.

Business

Response:

[redacted]Hello and Good Day,We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him/her directly. Thank you[redacted]

Review: I am a federal employee. I received an ad from a fax in my company about travel package. I called phone ###-###-#### on the advertisement to order the travel package. The merchant charged me $499 in my Citi credit card at 10/[redacted]2014 for 5 nights Royal Caribbean Cruise and 5 nights resort in one of Cancun, Jamaica, Punta Cana or Hawaii for 2 adult and 2 children. The merchant also lied to me and asked me sign the online payment document before I can get formal confirmation email. After my credit card was charged at $499, I never received formal confirmation email or letter to state what is included in the travel package for $499. I called merchant custom service ###-###-#### to make a cruise reservation, but the merchant refused to make cruise reservation for me. I called Citi on 10/*/2014 to asked Citi to freeze the payment to the merchant. Citi asked to wait for a couple of more days to receive the confirmation email, then I can file a bill dispute. Since I didn't receive formal confirmation email and make a cruise reservation from merchant, I filed a bill dispute to Citi card. I couldn't reach the merchant by ###-###-#### since Dec, 2014. I searched online and found many people had similar experience as me, which confirm this is a scam for this travel deal. I contacted Citi card several time to ask for $499 refund, but Citi insisted to close my billing dispute without refund based on the reason that I had a non-refundable contract with the merchant. The key point is that the merchant refused to provide the service I ordered, so that I should get protection on phone or online order. I also informed Citi at the first time that that could be a scam and stop to pay the merchant. I had do everything I should do to prevent this scam happen. I also contacted local police office on Jan **, 2015. The police officer suggested to get refund from Citi card.Desired Settlement: I asked Citi card to refund $499 to my card because the merchant refused to provide the service the merchant provided during my phone order.

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.

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]

The Citi called me and agreed to pay 50% ($245) for this transaction. I respectfully disagree.I used Citi credit card for purchasing on the phone. My payment is supposed to get protection from Citi. It means I am responsible for payment on any server or goods I ordered. The merchant promised to provide 5 nights cruise and 5 nights resort stay for 2 adults and 2 kids with $499. The merchant failed to provide me the formal confirmation email. The merchant asked me to sign the online contract so as to get the final confirmation email. Then, there was no any response from the merchant. I reported to Citi immediately for freezing the payment until I receive the confirmation email. Citi told me to give more days to merchant. Citi also told me I could dispute this transaction if I didn't receive the service I ordered. I did exactly the same as what Citi said. Four months passed, I couldn't reach the merchant either by email nor by phone. Citi still suggest me to try to contact merchant because this travel package will be valid within one year. I told Citi several times this was a scam. I also online searched to find many victims by the same merchant. Citi clearly understand the rick to wait a response from the merchant and take no action for the payment. I attach the last letter to Citi for the fact and proof that I can't reach the merchant and ask merchant to perform the promised service. One [redacted] from Citi dispute team also tried to contact customer service on Jan **, 2015, and no any response on travel reservation was obtained after waiting 20+ minutes. I reported to local police office for the fraud about this merchant. Considering the above facts and the supported documents I submitted to Citi before, Citi should fully refund $499 to me, rather than 50% refund.Thanks.

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:

[Your Answer Here]

The response from Citi is unacceptable since the merchant doesn't provide the service as the advisement. Thus, the asserted non-refundable contract is invalid. Since there is no valid non-refundable contract, I am not responsible for the service I don't and won't obtain.

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

Sincerely,

Business

Response:

We responded to the customer on 3/**/15. If the customer would like to share this information they can provide a copy of our response to the Revdex.com.

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: In checking my credit, I noticed that [redacted] had reported a negative credit mark for unknown reasons. I called, and no one could verify that I had an account or any adverse dealings with [redacted]. I was told to send a letter, which I did. I received a "form letter" stating that they would not update my credit report, because "the information was reported correctly." I called [redacted] again, and spoke with "[redacted]", who verified that a card was sent to me, but I never used it, and so my "account" was closed, but there was a mistake, and nothing should have been reported as negative to the credit bureaus. He told me to send another letter, which I did. I got the same "form letter" response stating that they cannot update my credit report.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like [redacted] to contact the 3 credit bureaus and to correct the negative report they made, so that this will be removed from my credit report. It was reported incorrectly, and is making my credit score low, and I am refinancing my house at this time.

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, [redacted]

Review: I have a [redacted] account that I make payments on, but can no longer use the [redacted] as they considered me over extended. Although [redacted] considered my account closed, I continued to access my account online to make my regular monthly payments. That is until February 2015. All of a sudden I was unable to login to make my payment. I contacted [redacted] technical support and was told [redacted] has taken away my Internet web access to make payments because I shouldn't have had it. They told me the only way I could make payments was in the store, by mail, or over the phone. To me, that is not acceptable. I made payments for years, and I don't feel it's right, when I owe them money, that they take away the easiest method of payment that I've had for a long time. They said I had some how "circumvented the system," and shouldn't of had access. I feel that since I have an account, and owe them money, I should be granted access like any other card holder, even though they took my card away.Desired Settlement: I want Internet Web access restored to my account so I can continue to make the payments in the same manner that I have been making faithfully for years!By the way, the Revdex.com system would not accept the zip code for [redacted], [redacted] which is [redacted] vice 4[redacted].

Business

Response:

Good Day All, We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him/her directly? Regards,[redacted]

Review: My problem is I have been receiving phone calls about a [redacted]/citibank account that I do not have. I called them at ###-###-#### and asked them to stop calling, which they did. However, they then ran my credit report. I do not have an account with either [redacted] or citibank. I have not applied for a [redacted] or a citibank credit card, have not applied for a loan, or done any business of any kind with [redacted]/citibank. I have not applied for a job with either company. I did not in any way authorize them to run my credit report. I called and asked them why they ran my credit report and they could not find an account(duh!) since I dont have one. I understand that it is a violation of the fair credit reporting act of 1974. Since this is an act also known as a federal law, they have committed a felony. I have a security clearance and while I am retiring, I can use my clearance to obtain employment. Continual checks into my credit can and will affect my clearance and can get it revoked. If the army ran my credit report as a background check I would have filled out another application for a security clearance and I did not.Desired Settlement: I want them to stop contacting me, and stop running my credit report without my permission. I also want them brought up on charges for violating federal law. If this affects my future employment options or future loan applications, I want to be compensated for moneys that I could have obtained working at a job for at least $40,000 a year times 20 years and any 401k investment made through future employment. I am planning on going to college for at least a Ba in Financial Advisor/business management. I was a certified financial advisor at [redacted] for 2 years.

Business

Response:

Good Day All, We will be corresponding directly with the customer as Citi has not received authorization from the customer to release information to your office. Regards,[redacted]

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: customer service reps very rude and calling me a liar.

customer service rep called me to tell me I was late on a bill and I told him that I never received a bill and have asked for them to be mailed to me and still no bill. So I asked how much is owed and he told me and I said that cant be right that seems wrong and [redacted] proceeded to tell me that of course it is wrong as always cause you cant pay your bill on time we are the ones wrong. I said excuse me you are talking to me like that and saying I am a liar and so forth. He said well you have had 2 bills mailed to you and there is no way you have not received them and I said I have not! He said well that is your problem and you owe with amount. So I told him I refuse to pay over the phone any bill and I will not pay him. He said of course you will not. So I told him I wanted his name and id number he provided me with it and I called to complain and got the same thing from another rep named [redacted]. She told me same thing and I said I want a complaint put in on him and she said ok I will never took his name or id from me and when I confronted her on it she was stumbling all over her words and didnt know what to say or do. So I told her that I would contact Revdex.com about this and she said who cares. So I plan to close my acct. with them and never shop there again.Desired Settlement: A call back from a higher up then just complaint dept and my late fees be removed.

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. A letter was previously mailed to the customer directly on December **, 2014 addressing her concerns.[redacted]Executive Response Unit

Consumer

Response:

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

I have never received a letter from this company in regards to anything on this complaint. I will not accept this response from them at all. As nothing has been changed or done from them to help resolve this issue.

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:I have not received any letters from citi bank so I can't show you any letters.

[Your Answer Here]

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

Sincerely,

Business

Response:

Please be advised that our previous response was mailed to the customer on January **, 2015. Our response letter can take 7-10 days to receive. We have confirmed that our response was mailed to the appropriate address. Please note that, due to privacy concerns, the customer must wait to receive our response via the U.S. mail. Thank you,[redacted]Executive Response

Review: APRIL 2014 FROM [redacted] I PURCHASED A GE PORTABLE DISHWASHER AND PAID 100.00 EXTRA FOR A 2 YEAR WARRANTY WHICH I HAVE NEVER BEEN ABLE TO USE BECAUSE THE STORE CANNOT FIND PROOF OF PURCHASE EVEN THOUGH I HAVE AND USED MY [redacted] CREDIT CARD FOR. I HAVE BEEN TRYING TO EITHER GET THAT MONEY BACK I PAID FOR SERVICE ON WHICH HAVE NEVER BEEN ABLE TO GET OR HAVE A SERVICE CALL DONE ON BECAUSE NOW NEEDS TO BE SERVICED BUT WITHOUT PROOF THEY WILL NOT DO IT UNLESS I PAY FOR IT WHICH I ALREADY DID VIA THE WARRANTY.Desired Settlement: I AM LOOKING TO EITHER GET THE MONEY BACK I PAID FOR IN FULL FOR THE 100.00 WITHOUT REDUCTIONS BECAUSE THEY ALWAYS SAY THEY CANNOT FIND PROOF AND ARE HOLDING UP THE PROCESS OR I WANT THE WARRANTY EXTENDED AND HAVE SERVICE DONE ON MACHINE WHICH NOW NEEDS. THEY SHOULD NOT BE ALLOWED TO HAVE BOTH WAYS.

Business

Response:

We are responding to the customer directly, via [redacted] Mail. He should receive our response within the next 7-10 business days. If the customer

would like to share this information they can provide a copy of our response to

the Revdex.com.

Review: Deceptive business practices by [redacted].

I purchased a TV under a promotional program in 2011 from [redacted]. I was told to make the minimum payment due each month on my account. I have done this. My balance was a around $400 until reccently when the promotional period expired and they charged me an additional $846.55 in interest fees. No on ever told me that this would happen. I was told to make the minimum payment every month, and that is what I have done. I believe that this is deceptive by not being up front with the customer by saying that just paying the minimum payment will not satisfy the promotional period dates. This may be a practice by the company to scam older Americans.Desired Settlement: Just let me pay the lump sum of the balance I owe minus the $846.55 in interest charges. This is a fair resolution.

Business

Response:

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

Review: Raised my APR in 09 and never lowered it. Said it was for the failing economy.

I have had this card for 9 years and never missed a payment. In 2009 they raised my APR to 29.9% due to "economy issues". Ok. Fast forward 5 years and I call customer service to see if there is anything they can do to lower this. Someone answers from the call center and I explain my issue. He was very understanding and apologetic. He puts me on a brief hold and talks to a co-worker to see what can be done. He gets back on the phone and lets me know at this time there is nothing he can do. He say I can call back in 30 days to see if anything can be done or I can talk to his [redacted]. I tell him I want to talk to his [redacted]. I get on the phone with [redacted] and she basically tells me the exact same thing. I ask her how is it that you can raise my APR with no problem but to lower it you can't do anything. Sh explains that there is nothing at this time that she can do. Personally if this is how they treat customers of 9 years. I will be transferring my ballance over to one of my other credit cards with a lower APR. I could understand if I missed payments or was always over my limit but neither on of these has happened. If you have a choice for a credit card stay away from Citi.Desired Settlement: I want my APR lowered seeing that they have had 5 years of hitting me with a 29.9 percent APR and interest fees.

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: 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.

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 made a purchase using my Citi credit card in January 2015 for a company to revise my resume. In late January, I determined that the work is unsatisfactory and I demanded a refund from the merchant. The merchant refused to refund, and I requested for a chargeback to my credit card issuer, Citi. I submitted all materials at the time to Citi. Citi investigated and determined that the charges should be upheld. However, in the dispute, the merchant has provided the exact same documents that I submitted against them, and Citi did not honor the protection benefit for its customers to protect my interests. I'm very disappointed with Citi's performance while I submitted full documentation with my request. I will ask for a full refund against Citi, for its negligence to protect my interests as a cardholder pursuant to cardholder agreements.Desired Settlement: $199 refund

Business

Response:

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

Review: I made a purchase to Tractor Supply on 8/**/14 of $100.13 of which I purchased on my Tractor Supply Credit Card. My bill was due 10/**/14 that I did not pay because I had not received a paper bill. This went on for several months with several late fees and interest accumulating. I started receiving voice mails from citi and was unsure what they were about. My mother had passed away and I was dealing with her finances and contacting companies about her death. I thought this is why citi was contacting me because I had no bills unpaid. When I contacted citi I found out that they were calling about the Tractor Supply charge. I had made a payment in late December of $100. City informed me that I was on the electronic billing and they were sending to my email and I know that I did not request this. As I contacted them more recently I was told that citi put me under the electronic billing because my account was inactive for over a year and they noticed I made payments electronically. I get several emails from Tractor Supply of weekly specials and promotions they have. I don't open them as I do not go into the store often. I had no idea they were only sending me statements through my email. I currently owe $142.42 in all fees and interest (except the $.13) all because I did not receive a paper statement. I have made all payments to Citi on this card and several other for several years and if I was late I made those payments. Citi needs to take accountability for not sending a bill or notifying me by mail that I did not make this payment until after I contacted them.Desired Settlement: I would like Citi to wipe all late fees and interest accumulated to this charge. My credit has already been affected my this. I think the least that they can do is take care of all other charges. If they can reverse so that my credit is not affected I would greatly appreciate it. Thank you for your time and assistance with this matter.

Business

Response:

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

Review: Citi bank is failing to delete or validate an account they are reporting in my name to the credit bereau. I have contacted Citi bank on multiple occassions asking for them to either delete this account, or send me prove that this account belong to me. About 7 years ago, I changed my name from [redacted] to [redacted] due to identity theft. citi is reporting an account that was opened few years ago with my old name. I have explained to citi that this account is not mine, and have also asked citi bank to provide explaination of how they verified the identity of the applicant of this account. I also have an alert on my credit report informing creditor of my pass identity theft. Creditors are to call me prior to opening account in my name, which I believe citi bank didn't do.Desired Settlement: delete this account immediately.

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.

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 prefer to keep Revdex.com mediating between I and CITI bank. CITI have refuse to look into this matter after multiple attempts. Up till today, this incorrect information is appearing in my credit report. Citi can delete this incorrect information and no further action will be require, or else they can look into it to validate it as require by law.

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 prefer [redacted] mediate this issue as cities have fail to properly address my concern.

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

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: When [redacted] filed bankruptcy they deactivated their credit card web site and you would get a e-statement from Citibank sending you to that same web site to view your bill but when you go to that web site you can not logon to check the status or see when your payment was due then they charge you a late fee because you did not make a payment or you did not pay enough.

Then when you call them they badger you to make a payment not solve the why you can't logon to the web site.Desired Settlement: Of all fees since the [redacted] web site was deactivated and they were sending the wrong link in there emails was sent to their customers.

Business

Response:

We have responded directly to our customer via U.S. Postal Mail regarding the resolution. Our customer should receive our resolution letter within 7-10 business days. If you would like to discuss the resolution, you may contact our customer directly.