Citi

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 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: I have been paying on time since I had my sears mastercard. At the time of their review of unrelated bills they decided to take 600.00+ from my available bal.I was still paying my creditcard on time. A few months later I had unexpected bills to arise so my credit card was behind. At the time I had benefits I had been paying on for some time. When I called them I didn't qualify for help. So sears told me to cancel the benefits so they could make arrangements.I was asked what I could pay them at this time and I said between 5 and 10.00 a month. Unfortunately, sears was not willing to accept what I could afford. They told me the lowest they could go was 22+. I let them know I didnt have that amount and that amount was almost the same thing I paid before. The customer service rep tried to get it at the amount I could pay but it was denied.I then told her that I will be reporting sears to the better business bereau and to put that in her system.

Product_Or_Service: credit card

Order_Number: none

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

I need to pay what I can afford. I cannot pay what they are asking.

Business

Response:

Dear [redacted]:

We have received the inquiry that was submitted to the Revdex.com (Revdex.com) regarding the account listed above. This account is owned and serviced by Citibank,

N.A. We appreciate the opportunity to respond.

Upon receipt of this inquiry, our Manager Assistance Unit made unsuccessful attempts to reach you to discuss the repayment options that are currently available for your account.

We are required to adhere to regulatory guidelines governing payment arrangement programs that we can make available to our customers. These guidelines establish eligibility criteria based on factors such as length of time, interest rate, and amount of each monthly payment in order that our customers can demonstrate they are making progress in retiring their debt.

Currently, no programs are available that would fit the payment that you mentioned you can afford. You may wish to return the call to our Manager Assistance Unit at ###-###-####. Otherwise, you may wish to contact a local, non-profit Consumer Credit- Counseling Service for assistance. Card Services offers a directory for your convenience if you call ###-###-####.

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]

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

Sincerely,

Response: I am deeming the response as unacceptable because I am unable to pay them the amount they are arranging due to my income and what I can afford. I do feel as a customer I shouldn't be told what I have to pay as a result of the circumstances I am presently in. By law I can give what I can afford and that is acceptable.

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: 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: I spoke with 2 different reps and they agreed to waive the last 4 months of Interst Charges on my account if I did not close the account. I still havent closed the account but I am in process of now paying it off in full. I would like them to waive the last 4 months of Interest Charges agreed or I will close the account. I have been a long standing customer and have always paid my bills and Interst Charges with no complaint. I was advised since I was a good customer, the fees would be waived but have not been.Desired Settlement: Credit my account the last 4 months of fees as I was told.

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:

I understand the APR and that the interest charges billed are accurate. However, I was advised by one of their representatives that I would receive a credit to my account if I continued to keep this card as my "card of choice" were the words used by the representatives. I expect a credit to the account since that is what I was told by this company. (A company that I have been loyal to and a customer for many years).

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: There was a fraudulent charge on credit card for the amount of 106.01.Desired Settlement: Refund of the amount charged.

Business

Response:

We have been unable to locate an account using the information that was provided by [redacted]. We request he provide us with the complete 16 digit account number so we may investigate his concerns.

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: 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: 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: 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.

Review: got charged $800 dollars worth of interest for 500 dollars remaining on the payment and didn't even know the deadline it was due.

Bought a engagement ring in 2013 and it had a 12 no interest on it, few months later I bought a band and that's 6 months no interest. On the [redacted] website pay a bill log in it does not say which one is which and since I bought the engagement ring and band at two different [redacted] locations I got two different false statements. The mall of america location told me that I didn't have to pay it off until the other ring was due since they were both on the same credit card so that's 12+6 months =18 months, it turns out I missed my first rings deadline payment of 12months which I had remaining balance of $500 or $1500 for the both and I thought it wasn't due to pay off until Dec [redacted] 2015. It turns out that was for the second purchase and not the first and I was hit with a $800 interest rate which is ridiculous, I called and offered to pay the $500 remaining balance and get the $800 dollar interest off my balance they said no. So now what im stuck with $2354.76 balance instead of the $1500 I had remaining from one month to another, and I thought the interest would be for that particular month if anything but they charged me for the entire year. Never again will I let any store tell me no interest for 6 or 12 months when they hit you with a interest for the entire period for not paying the total balance off in that time frame, especially when they told me wrong in the first place.Desired Settlement: I want the interest rate gone off my balance, im still paying off the rings and I have not missed one payment or had a late payment but because this whole "12month no interest" is worded wrong (scam) and retailers don't tell you how it works, a customer gets hit with huge interest. I thought no interest means no interest, but you get charged interest for the entire time period for not paying the balance off.

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 within the next 7-10 business days. Thank you,[redacted]Executive Response

Consumer

Response:

They have sent me a letter stating that they will refund me half of the interest $369.38, if I pay the promotional balance of $635.47 by December **, 2014. However I just paid $1011.24 on December *, 2014 which is more than what they wanted and have still not received the credit to my balance that they stated above...so I will wait and see what happens. The case is not fully resolved if they don't give me the money back that they said they would.

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,

Business

Response:

As stated in our preivous correspondence to the customer, we are no longer responding to concerns regarding this matter.[redacted]Executive Response

Review: Double credit card charge

Dec ** purchase at store [redacted] in [redacted]. Used self checkout to pay for item using [redacted] credit card. When asked for 4 digit code during checkout I pressed cancel button since I didn't have a code and went to line with sales clerk. Amount paid was $15.87 (auth code [redacted]). On my credit card statement I saw both charges went through. On Dec ** I called [redacted] customer service and spoke with [redacted]. She contacted store on my behalf. Through her that asked to see my credit card statement. I refuse to show my monthly statement when they have internal records to that would provide the same information.Desired Settlement: Eliminate the double charge.

Business

Response:

In response to this issue, the purchase appears to have been made on his personal [redacted] card. Unfortunately, we do not handle that card and it would be necessary for him to contact that credit card company to dispute the purchase.Thank you.

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 becauseThe complaint was directed to [redacted], not the credit card company. It was [redacted] that double charged and it was [redacted] that redirected the complaint away from itself.

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

Sincerely,

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: 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: 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: 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: 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: 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: 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