Citi

Review: Online payment in full was made on August *, 2014 and posted on August *, 2014 but was not recorded as being posted until August **, 2014 and when statement was received it carried a $20 late fee. This is an unfair charge because I had no control over the recorded posting date.Desired Settlement: DesiredSettlementID: Other (requires explanation)

Remove $20 late fee. Called Home Depot and agent stated that it could take 7 or more days to post payment and record payment. If I pay in full when the payment is due, don't I have the right to have payment posted immediately?

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: This letter was sent to Sears Headquarters and their billing dep. on 7/**/2014 by me. Re: Account # [redacted]

To Whom It May Concern,

I am contacting you in regards to my having to recently close my Sears MasterCard account. I had closed this account on 7/**/2014 after explaining financial difficulties I have been recently experiencing due to unforeseen circumstances and I had been unable to pay the minimum amount due on my July 2014 bill as a result ($196). The representative I spoke to, [redacted], on 7/**/2014, through the hardship department was able to temporarily reduce my interest and lower my monthly minimum due for a 12 month period. She did advise me that if I chose to close the account and enroll in the program, my reward program will be canceled (which makes sense since the card will be closed and therefore I would not be earning rewards on purchases). On 7/**, I checked my account activity and it showed I had 19,275 points accumulated from when I opened the account 03/2011 through closing the account. When I refreshed the page, it showed I had zero. I spoke to several people within various departments ([redacted] at Sears customer service, [redacted] and then later [redacted] at Sears forbearance program, both [redacted]) and had explained that when I decided to close this account, I was never advised that my accumulated points would be forfeited. Cancelling a reward membership program is very different from forfeiting already accumulated points based on prior purchases made and never once was it explained to make on 7/** when I did close my account and enroll in a temporary hardship program that my already accumulated points will be forfeited. I actually called customer service several weeks prior to get information regarding such program (to be proactive in the event I would have financially difficulties), and again never advised of my points being forfeited. My points have never been used, and therefore I would have redeemed them as I had earned them prior to closing my account. [redacted] in customer service (Idaho) did advise me on 7/** reviewing the account that there had been a notation today regarding reinstating the points due to the fact it was a large number of points (19,275) accumulating while actively using my card which always had been in good standings until this July situation. I have also been given different information regarding how the credit reporting will work with closing the account. Since the decision to close it and request to be enrolled in a hardship program was MY choice, I would think it would be reported at closed at the consumer's request. However, [redacted] in the NC customer service office told me it is showing as closed at Sears request (on 7/**), which is not true.

I chose to close the account due to unforeseen financial issues resulting from recent medical circumstances and could not make a $196 minimum payment. My account always had been in good standings, making more than my minimum and always on time. Closing the account was a last resort since none of the departments (customer service, hardship) had been able to work with me even on a payment plan to bring the July payment current (i.e. installments for July, lower the interest rate)- there was no help available and my only option for even temporary relief was closing the account and enrolling in the hardship program (by my choice), as opposed to running the risk of not being able to make my minimum payment for July at all and get credit reported. I had called customer service the end of June regarding these concerns knowing that I was facing financial problems and was advised by customer service nothing was able to be done at the time until after that July [redacted] due date had passed. With requesting help, Sears was not even able to credit me back the $25 late fee!!! The information re: the rewards points was completely deceptive when I closed the account, and I am shocked as a proactive consumer they would not even reverse the $25.Desired Settlement: I have requested in the letter sent to Sears to reinstate the points I accumulated in order to redeem them since those points accrued while my card was active based on my purchases. I also requested for the $25 late fee to be reversed, as I proactively contacted Sears regarding financial difficulties, requesting help, which I was advised by Sears I would have to wait for the payment not to be made to then call back for help (therefore leading to the $25 late fee). Isnt that counter productive in

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,

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]

My complaint regarding Sears should not have been directed to Citi; it is regarding Sears own policy in reference to the rewards program. I am not quite sure why this was forwarded to Citi since Citi does not set forth the rewards program which is through Sears directly. I also do not know what information Citi needs my authorization to release to Revdex.com re: my complaint. My initial complaint was sent to Sears Corporate. Sears Corporate deferred it to Citi, but I do not feel this is an issue with Citi directly. Please advise which office needs to be involved with this situation.

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

Sincerely,

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,

Consumer

Response:

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

Sincerely,

Review: I applied for a Citi AAdvantage Business credit card. My application was rejected. The reason given for the rejection was that my accounts with Citi have a history of late payments. I called them up and told them that I would understand any other issues that they may have with approving a credit card for me, however, to say that I have a history of late payments is false. I had to contact customer service that verified that this was all indeed true, that they did not find a history of late payments on my accounts with Citibank.Thereafter, instead of approving the application, they ran the application again, and it was rejected again. This time I got a letter stating "We don't disclose our specific credit approval requirements because doing so would compromise the credit evaluation process." I would love to know what that means...

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

I would just appreciate if they stopped playing around with me and approved my application already.

Business

Response:

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

Consumer

Response:

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

Sincerely,

Review: We are being harassed with calls and letters on a bill we do not owe. Treatment from this company has been rude and unhelpful.

Apparently CitiBank bought [redacted] credit, a company we've had credit with for over 20 years. This account was closed and paid in full in February on a new 0-int card from our bank. The bank handled the transaction for the payoff and transfer of funds, giving us a zero balance when the account closed.

The following month, we received a bill for $18. Assuming it in error, I just tossed it out. The following month, they added on $35 late fee, and have continued to do this every month.

I've tried repeated to deal with this with a number of representatives of CitiBank, in letters and emails, directly with [redacted] customer service, and all with no luck. We feel harassed by this company. Literally every day I get 6-8 calls on my cell phone, and an equal number on my land line--I no longer take these calls because the agents have been aggressive and demeaning with me, and I find this upsetting.

Our [redacted] account was always in good standing, we closed it with a zero balance, and I am not going to give CitiBank any money. I had no contract with them, and this billing all began AFTER the account was closed.

We fear they have made a negative report on our credit, and that they are a hostile intrusion into our home life.

Contact number for our bank ([redacted]) is ###-###-####. Refer to [redacted] account, last four #s [redacted]Desired Settlement: We want this account reduced back to "zero" with no payment due, and any corrections necessary made to credit reporting agency. An apology would be nice, also, but not necessary.

Business

Response:

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

Consumer

Response:

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

Sincerely,

Review: About three month ago, I applied the Citi AT&T Access More credit card because they have a promotion going on, the details on their website as follow:

When you sign-up for the Citi AT&T Access More card and spend $2,000 on purchases within the 1st 3 months of opening your account, you’ll earn a up to a $650 credit towards a new (no-contract) cell phone.

You’ll receive a special link where you can order your phone to receive the statement credit.

Note: You must set-up AT&T service and keep it for at least 15 days to get the credit.

So, I was approved for the credit card and I brought the cell phone and fulfill all the requirements for the $650 credit reward (this can be confirmed with their customers), so I wait for the reward.

However, the reward never came, after a month, I began to chat with their online chatting service and ask when this reward will be granted, they just told me to wait another month. So, I wait another month, the reward still didn't come, so I contact them again and again. Every time they either said wait couple of months or they don't know why the reward didn't come.

Finally, I contact their customer service reward team or something and they sent me a mail said, they don't have the receipt of the iphone I purchased, so they can not process the reward.

The problem is how should I suppose to know to provide my receipt to CITI to get reward? They never mention in their website, and their customer service also don't know anything. I purchased the iphone and how should I know I need to keep the receipt forever?

CITI's advertisement is misleading. If I never try to contact them again and again, maybe I will never know this trick they are playing to postpone the reward forever. Maybe some customers just forget about it after months of waiting.

This is false advertisement and trick me into apply this credit card and spent money, and CITI don't want to pay my reward balance back. I can not believe such a big banking company can lie to their customers like this. Since I am waiting for this $650 to pay my balance, however it never came, it is generating interest every month! This is an dishonesty way to take customers money.Desired Settlement: I request CITI to process my $650 statement balance immediately. No more excuse such as "wait for another 1 to 2 billing cycle". I also request them to pay back the interest generate from this statement balance. They also should compensate me for their false advertising and numerous time I spent on communicating with them.

Business

Response:

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

Consumer

Response:

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

Sincerely,

Review: Citibank persistently ignores my opt out requests and continues bombarding me with pre-approvals and other solicitations.

Citibank persistently ignores my opt out requests and continues bombarding me with pre-approvals and other solicitations. I have numerously requested opt outs from the company's postal mailing lists, yearly verify that I'm on DMA's opt out list, as well as those of credit bureaus. There is no excuse to continue sending me postal mail junk.Desired Settlement: The company should immediately cease sending me unsolicited postal mails, remove my name from marketing databases, stop sharing my information, and issue an apology.

Business

Response:

Dear [redacted]:

We recently received an inquiry on your behalf from the Revdex.com regarding the mailings you are receiving from Citi.

As you requested, we removed your name and address from our solicitation lists. Please allow 30 days for your request to take effect. We have no record of your prior request for removal from our marketing lists; however, our records reflect no solicitations have been sent to you since November 2012. If you have recently received a solicitation from Citi, please provide a copy using the enclosed self-addressed envelope so we may investigate this matter further.

I appreciate this opportunity to respond to your inquiry.

Sincerely,

Presidential Communications

Consumer

Response:

I didn't think the clarification is needed since it is fairly explicit that I asked for 2 things and 2 things only: apology and opt out.

Review: I happened to be a victim of financial fraud. I have lost $7,000.I am positive that eventually it happened because of the two banks, J.P. Morgan Chase and CITIBANK, negligence.J.P. Morgan Chase wired the money to my account on June **.CITIBANK cleared it, deposited it to my account, and made it available to me.On July * CITIBANK informed me that they withdraw $7,000 from my account and returned to J.P. Morgan Chase, because J.P. Morgan Chase stated that these money were transferred in error, and the senders account with J.P. Morgan Chase has been compromised.Here is the entire story.I am 65 years old. I was unemployed, looking for a job, and posted my resume all over the Internet.Alba Services & Finanz AG offered me a "job".They transferred money to my bank account as promised,and I thought I was safe.I thought: "they cannot take money from my bank account".They DID take the money from my bank account after I carried out everything they requested me to do:purchased some the most expensive electronics and shipped it to the address they provided.Three weeks later J.P. Morgan Chase said that the money were transferred "in error" and Citibank returned $7,000 from my Citibank account to J.P. Morgan Chase.Two National banks made "mistakes", and had me to pay for it.If J.P. Morgan Chase did not wire the money from the "compromised" account, or Citibank did not deposit it into my account and made it available,then NOTHING would happen. I think it is only fair that these banks accept the responsibilities for their MISTAKES. I am ready to prove copies of my bank accounts statements, receipts for purchase and shipping, and the entire email communication with Alba Services & Finanz AG ([redacted]).Desired Settlement: DesiredSettlementID: Refund

Refund $7,000 to my account

Business

Response:

Dear [redacted]:

Thank you for your October *, 2013, 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

Consumer

Response:

Dear [redacted],

Please see the attached copies of two letters from Citibank

and a letter from OCC.

You might think that I am stupid and annoying, because I was

told the same thing three times and still did not get it.

Yes, I am still positive that Citibank should accept

responsibility for wrong deposit to my account. If it did not do it, nothing

would happen.

Review: Since October Citibank Credit card has been reporting to the credit bureau that I am disputing the account information, which I am not. I've talked to numerous supervisors and they have removed the comments. But for some reason after a few days past Citi places the comment back on my credit report. This is causing a serious hardship for me since I am refinancing my home to pay my debt with citi bank. Because of Citi banks errors I have prolonged my refinance for over a month not. I can not pay my credits any more and have found the option to refinance to pay Citi but because there is a dispute on my credit my refinance can not close.Desired Settlement: To please remove the Comment: Consumer disputes this account information (ending in #[redacted]) and give me an extension to pay my cards and not report that my payments are late since citi bank would have been paid in full of the debt, but since there error is causing my refinance to be extended.

Consumer

Response:

Please have Citi bank to request the credit bureau to remove the comment : Consumer disputes this account information, since I am NOT dispute the account.

Business

Response:

Dear [redacted]:

We recently received an inquiry on your behalf from the Revdex.com of Metropolitan New York regarding the dispute comment reflected on your credit profile related to the above­ referenced account.

Our records reflect that we requested the credit reporting agencies remove the dispute comment on October **, 2013. Upon receipt of your inquiry, I verified that the dispute comment is no longer appearing on your credit profile with any of the three major consumer reporting agencies.

In regard to your request for a payment extension, per the terms of your Card Agreement, you must pay at least the minimum payment due by the payment due date each billing period. In addition, the Agreement explains that late payments, missed payments or other defaults on your account may be reflected in your credit report. Because your credit profile reflects the manner in which your account was maintained, the account information and payment history are correct. However, you may place a consumer statement on your credit profile to explain any extenuating circumstances that may have prevented you from making payments.

I appreciate this opportunity to respond to your inquiry.

Sincerely,

Review: I was referred to citi internal recovery unit. I have been trying to pay off this bill in full for the last month, I first called in August 2014 to pay in full my debt and was told my account was under review until September [redacted] 2014. So I waited until Sept [redacted] and called again to pay in full my debt. I then was told my account was under review again and will not be able to pay it off until the review process was over on the [redacted] of september. I do not understand a collection company that is postponing a pay off by putting it under review numerous times, when myselft the customer wants to take care of it. Every time I try and resolve the situation my account seems to be under review. They are a collection agency not wanting to collect is what it seems like. I have called quite a few times trying to resolve the issue and its put off every time. I ask for other support, managers etc. nothing is being done. I was also looking on the internet and the company seems to be very stern about collecting, but for me thats not the case. I do not want to settle the debt, I want to pay it off in full. Why can I not do that?

The longer this takes the longer it stays on my credit report. I am trying to repair my credit and pay off my debtDesired Settlement: I would like to pay off my debt immediatly.

Business

Response:

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

Thank you,

Review: The balance on my [redacted] creid card was 844.88. Today I received a bill for $2218.59 and was informed I was using a promotional credit card.

I had b 1369.75 diligently, but slowly paying off my [redacted] credit card because I only owed $855.88 and seldom use my card. I received a bill today for $2218.98. Apparently the credit card I was using was a promotional credit card that I was supposed to pay off in three years. They basically rolled over 1,369.75 worth of interest. I was unaware that I had to pay it off in three years or I would have paid it off much soonerDesired Settlement: I will pay them $844.88 NOW! I have already closed my account. I am a teacher and trying to pay down my debt. This is the first time this has ever happened to me. If I had known it was this kind of credit card I would have paid it off years ago.

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.

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 because:

I have reviewed the response from Citi/[redacted]. I have paid them $819.00 which is half of the interest I owed on a balance of $855 dollars. I have already spoken to a [redacted] at [redacted] with no resolution. If I had known it was a 36 month type card I would have paid it off and never made future purchases. They tell me that they informed me of this on the 3rd/last page of my bill. However, if you think it is a credit card all you look at is the payment slip. I feel as if I was tricked into paying triple what I owe, it seems almost illegal. So no this is not resolved!

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

Sincerely,

Business

Response:

Thank you for your communication regarding [redacted]' account. Due to privacy concerns we are unable to release customer information to the Revdex.com. We have mailed [redacted]' letter as of September **, 2014, which he should receive in the next 7-10 days.

Thank you,

Review: Citibank Vendor Grievance [redacted] RE: Citi Mastercard, Account number ending in: [redacted]

To Whom It May Concern:

This letter is a request to correct a mistake on your behalf. On October *, 2014 my overdue balance of $10,679.95 was “charged off” and sent to collection company Global Credit & Collection Corporation. I believe this to be a mistake on your behalf and I am requesting my account to be withdrawn from collections and returned to the Citibank collections department.

This reason I am stating this is a mistake is because on October *, 2014 I was informed by several representatives whom I spoke to that day that if I made a payment of $253.77 by midnight on October *, 2014, my account would not be sent to collections and I could request a hardship program after payment went through. So, I made this payment and when I called to arrange the hardship program, I was transferred to the collection agency. I was able to speak with a [redacted] who told me that the payment had to be made by 5 pm and that is why I was sent to collections. But, that is not what other representatives informed me or I would not have made the $253.77 payment (confirm#[redacted]), which I had to borrow from my father in order to make for the purpose of avoiding being sent to collections. Every time I contact Citibank now, representatives refuse to talk to me and automatically transfer me to the collection agency.

I have had payment plans with Citibank in the past and paid minimum payments of over $500.00. This caused me to not be able to pay other bills and now I am in a state of financial hardship worse that before.

I am requesting for my account to be withdrawn from collections because I feel it was sent in error. It is not fair that I was given inaccurate information from representatives, as stated by [redacted], who was the only one who I was able to speak to at this point. I asked for a supervisor to contact me and have not heard from anyone as of today. Meanwhile, I am being harassed by the collection agency and do believe Citibank is not planning on responding to my verbal complaint and so I am writing this letter asking to correct the mistake and help resolve this situation as soon as possible.

The collection agency you are using has already violated my rights. They have contacted my father who has nothing to do with my debt and I am unsure how they even got his number other than he made the $253.77 one time payment for me to help me avoid being sent to collections. The representative ([redacted]) also is threatening me stating I am refusing to pay, when that is NOT the case and I keep telling him that is not the case. He has also spoken abusively to me several times. I contacted him to notify him of me waiting for a supervisor’s response with Citibank. I am positive my rights have been violated according to the Fair Debt Collection Practices Act, Section 806, 807, and 808. I am planning on paying this debt, however, I believe it is only fair that I work out an arrangement with Citibank Recovery Dept. rather than Global Credit. Please contact me as soon as possible so I can resolve my debts and this unfair situation. I work two jobs, I am a teacher and a counselor and I pay what I am able. I am NOT as indicating my [redacted] refusing to pay. Thank you.Desired Settlement: Resolve my debt with Citibank Recovery Dept and not Global Credit & Collection Corp.

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: This company, Citibank, has not contacted me and when I contact them they automatically transfer me to another business. Please see notes below on a second letter I will mail out in the morning in response to their response. Thank you.

This letter is in response to a message I received from the RevDex.com (Revdex.com). Revdex.com has informed me that you will not speak with them

regarding my complaint because you do not have a release on file. I, [redacted]

[redacted], am hereby authorizing you, Citibank, to speak ONLY with and to ONLY

exchange information with the Revdex.com about my case. My signature below authorizes

this release of information.

_______________________

Also, your response to Revdex.com stated that you would speak with

me. However, I have not received a call from you. Whenever I attempt to contact

you, your system and representatives I speak to automatically transfer me to

the collection company, Global Credit & Collection Corp.. Global Credit

& Collection Corp representative [redacted] is verbally abusive and

apparently no one else will speak with me since he is assigned representative

for my case. I asked to speak with his supervisor and he refused my request. My

rights have been violated according to Fair Debt Credit Act section 806, 807,

and 808 by that company. According to my rights, I only wish to speak with them

through writing due to abusive threats by representative Thabosiziba and providing

me with incorrect information and contacting others who do not have anything to

do with my debt. Again, multiple rights have been violated by this company. As

stated previously, I should not have been sent to them in the first place. Please

review my initial letter and please contact me to arrange a hardship program so

that I may begin to repay my debt owed to you. Thank you.

[Your Answer Here]

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: On 9/*, I paid Citi $163.00 meaning to pay the full balance of 163.88 however, I had 88 cents which was not paid.

On 9/**, Citi received a payment from me of 134.39 which paid my the 88 cents plus the september balance of 133.31

As a result, 88 cents was past due for 30 days

When I attempted to refinance my mortgage, My mortgage refinance broker informed me Citibank reported a 30 days past due to my credit reports. The amount which had not been paid in 30 days was 88 cents however I paid 163.00! The broker informed me Citi could reverse the 30 days past due and I should ask them for a letter in writing to confirm in addition to reversing the report.

I messaged Citi in their message center, was informed I would receive a letter and did which simply stated citi's reporting was correct.

On 10/**, I chatted with a city representative and informed the person of the circumstance and they informed me citi had the ability to reverse the past due report and I should speak with a [redacted]. On the same day, I contacted Customer Service, spoke to a [redacted], [redacted], informed her the 88 cents was the amount not paid in 30 days and that I had paid the 163.00. [redacted] informed me she would take action to reverse the past due amount and I would receive a confirmation letter in the Citi online e communication center in 48 hours.

On 10/**, I called Citi again as I did not receive a letter in the e communications center. I spoke with a different [redacted] in a Florida office. This person informed me she would not reverse the 30 days past due as it was not Citi's error, Citi had sent a request to reverse the report and it did not work. she could send another request and it would not work

As a result, my credit score is lowered by 100 points, This brings my interest rate basically to my original mortgage I rate and is extremely costly for me. I would think Citi could recognize I paid 163.00 of my 163.88 balance, The next minimum payment of $133.39 I made was not paid 30 days past the due date. I would hope the fraction of 88 cents missed is not going to keep me from refinancing my mortgage at a reasonable interest rate.

I contacted Equifax, Experian and Transunion all 3 credit bureau's filed a dispute, provided them with the information contained here. All 3 bureaus informed me it is within Citi's power to reverse this past due amount and is basically up to their policy whether to do so. They informed me they would take action however it would take 30 days and I should contact Citi directly to see if they would reverse the 30 days past due reporting themselves.

I would greatly appreciate your help to reverse the 30 days past due reporting.Desired Settlement: Reverse the 30 days past due reported to all credit report vendors: Equifax, Experian and Trans union, provide me a letter in writing indicating the reverse has taken place and send me a copy in the e communications center so I can provide to my mortgage refinance broker as soon as possible

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:

Citi chooses not to reverse the 30 days past due report to the 3 credit bureaus. The only $ amount I owed 30 days past its due date was 88 cents. Citi does not take this into account in their response. You have my permission to view any documents from Citi.[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.

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:

Citi has been unwilling to reverse the report to credit bureaus of having a payment 30 days past due. The amount past due over 30 days was 88 cents.

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

Sincerely,

Review: Never received billing for account, refused to remove 2 months of charges for nonpayment due to never being billed.

On November *, 2014, (wife) received 2 calls from someone claiming to be from [redacted] looking for her husband (husband). They would not say what it was regarding and it came off rather scammy, considering the recent data breach at [redacted].

On November *, 2014, we went to [redacted] to buy a new ceiling fan, (husband)'s [redacted] card was denied, so (wife) used her [redacted] card without issue.

On November **, 2014, (wife) logged into (husband)'s account online to see what could possibly going on that it had been declined and was surprised to see the account was 2 months past due as the account is set up for email statements and no statements have been received. (wife) then logged into the email and checked, no emails from [redacted] regarding [redacted]'s account have been received since October 2013, which showed a zero balance from paying off a purchase. (wife) also checked the Spam folder which goes back a couple months and nothing from [redacted] was there either.

(wife) had [redacted] call then number on the back of his card, explained the situation and then had (wife) talk to the representative as she is the one who handles all of the bills and it is her email address that the statements are supposed to be sent to.

Upon explaining the situation (wife) was told the most that could be done is taking off one $35.00 late payment fee, which would leave 2 - $2.00 interest charges (minimum amount) and 1 - $25.00 for a total of $29.00 of extra fees because we were not billed by [redacted]. Given that the original purchase was $40.59 and we never were invoiced for this, any fee is extreme.

I paid the $40.59 over the phone. There is still a $29.00 balance on the account due to the extreme fee we were charged due to [redacted]s technical issue.

I told them that if this was not fixed we would both be closing our accounts as well as the account for (wife)'s business and we will not be shopping with [redacted] anymore. The 'supervisor' did not care. [redacted] would rather charge a $29.00 fee for their mistake to a costumer and lose that costumers business to the tune of several grand per year. Customers that, might I add, have never paid their [redacted] accounts late before this issue.

(husband) took the phone back and stated he wanted this account closed and the remaining balance removed. As of now his account is still open and it still shows $29.00 as being owed.

(wife) then took the phone back to pay off and close her personal account, which she was told she could not do as she had made a purchase the evening before that had not hit her account yet. (wife) said that was fine, leave it open and she would close it after the purchase became available to be paid on her account. This morning (wife) got an email about her personal account, went to the page and it says the account has been closed.

So the account that was supposed to be closed immediately is still open, while the account that was supposed to be left open at that time is now closed.

We have never experienced such awful customer service from a company. We are very disappointed that the company we have used for our personal and business needs has treated us with such terrible disregard.Desired Settlement: I expect the remaining balance to be removed from (husband's account.

Business

Response:

Thank you for your communication from [redacted] regarding [redacted]'s My Best Buy 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: Contacted citi [redacted] credit services for assistance on lower interest rate and payment. Was told no account assistance available.

I have never been late on my account and have been a long time account holder. I contacted [redacted] credit service regarding assistance on a lower interest rate and lower payment for a short term was told there is no assistance. I am active duty military and informed them I was in transition from military to civilian and seeking full time employment.They told me that maybe I could get assistance but would have to close the account, that is not the proper way to handle a long time customer and military person. Closing my account would actually affect my credit and I am trying to protect it. I spoke with a regular customer service representative and recieved no help , I asked for a supervisor and recieved no help either. I will not close my account just to be put on a repayment plan when there is no need to and my account has been current and remain current while serving in the military. Credit card companies simply do not understand what the military sacrafices everday and what support we get from companies like [redacted] credit services.Desired Settlement: I would like to get a lower rate and minimum payment while in transition from military to civilian while searching for full time work. I will not sacrafice my credit by CLOSING MY ACCOUNT just to get assistance. They should evaluate everyone on a case to case basis . especially the military personnel.

Business

Response:

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

Review: I received a notice of privacy practices in the mail from Citibank's student loan department, informing me that they will gladly sell all of my private information unless I opt out. The letter contained a number instructing me that their "menu will prompt you through your choice(s)". So I called, and the telephone system recognized my number and verified my identity. I was surprised to learn, however, that the menu did not guide me through the choices. I requested to speak to a customer service rep who promptly requested my SSN. I noted that the telephone system had already verified my identity, but she said that the data did not come through to her computer. So I gave her my account number. She said that they still needed the last 6 digits of the SSN and my DOB. I told her that they should not be using my SSN like that, I had already given them my account number, and that I was happy to provide other information. She insisted on the last 6 of my SSN. We went back and forth like this for a while. Eventually, I told her that I wanted to file a formal complaint. She put me on hold and came back after a couple minutes and told me that no supervisors are available. I indicated that I did not believe her, but that didn't change anything. I eventually surrendered and gave her my SSN and DOB. She promptly told me that I had already opted out and there was no reason for my call in the first place. So I again asked to speak to a manager, and, after a brief hold, she again told me that none was available.Desired Settlement: I want Citibank to promptly change at least 3 of their policies. First, they should not so carelessly rely on SSNs for identification purposes. There must be some other means of obtaining verification--particularly where the inquiry is not about sensitive information (as mine was not) and especially where the telephone system had previously verified my identity. Second, there must be supervisors available at all times (at least after a reasonably short wait). No customer should be told "sorry, you can't complain because no supervisors are available now." Third, Citibank should not be selling our private information to non-affiliates unless we opt in.

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]

Citibank's letter says little more than "this is our policy and, if you don't like it, that's too bad." With regard to the privacy issues and their misuse of our social security numbers, they write that they need to misuse the social security numbers so as to ensure the identity of the person they are communicating with. But they could resolve that problem by issuing their own identification or crs and allowing customers to use their Citibank cr rather than an SSN. Many other businesses are doing this today. Moreover, it is likely sufficient for their security purposes to request the account number, address, and some other identifier (e.g. mother's maden name), rather than relying so heavily on the SSN.With regard to my inability to speak to a senior supervisor to note my complaints, they say that I was entitled to receive a callback in 24-48 hours. That's terribly inadequate. I understand that it is impossible to ensure that a senior supervisor will be available at all times that the calling centers are open. But there should be an adequate number of senior supervisors on staff to adequately handle the demand, such that if no one is available at the time a customer needs to speak with someone, the customer will be able to wait on hold for a reasonable amount of time or receive a call back in no more than an hour or two. Citibank's decision to force people to wait 24-48 hours before speaking to someone is simply a means of discouraging complaints. It is a strategic decision on their part that represents poor business practices and must be corrected.

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

Sincerely,

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:

Again, I have received no response in the mail and have no confidence that Citi intends to resolve this appropriately.

Sincerely,

Review: I received a letter from Citi stating "thank you for choosing to receive your payroll funds via a Citi payroll card" I do not bank w/ Citi, I called spoke w/ 4 reps was misrouted several times and nobody would help me. the fraud department was the WORST department I am terrified that my information has been compromised the rep I spoke with was HORRIBLE. I've already spoken w/ my payroll department there has been no change with my payroll but I still need to know what this letter is about, and nobody would provide me with any info. I asked to speak to a supervisor and was transferred to a voicemail box. the rep from the fraud department was a joke, she said she was not aware that citi even had a prepaid department. I just need some answers and I need some help. I want to make sure my information hasn't been hacked and that my payroll check won't be stolen out from under me.Desired Settlement: I really would like someone to contact me and explain what this letter is about thanks

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: Calling up to get a payment while I am at work and then its silence on their end, no one speaks

CC# [redacted]. Calling to get payment that has already been made. They make several calls all day long every day. Then when they call and you answer, no one speaks on the phone, its just silent. So you try to call back, you punch in your information the automated voice ask for then someone gets on line asking for the same information you just punched into the phone. I am going to put a compaint in to the [redacted] as well.Desired Settlement: Stop calling all day long, especially when people are at work

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: I am currently two months behind on my credit card bill. Upon contacting Citibank explaining my financial situation and the fact that I have intent on paying my bill next month including all past due amount. They agreed that this would be acceptable and upon doing so I asked that they stop calling my cell phone and home phone number. Since that initial contact on Thursday January the [redacted] I have received Harassing phone calls every two hours to either my cell phone or house phone number. I have warned them on numerous occasions that I have made payment arrangements to which have been noted on my account which each sales associate has agreed that there were records of such payment arrangements on my account, and if I keep receiving phone calls I will file a complaint with the Revdex.com. They have also have not used proper collection techniques. Upon every phone call they have either not stated the Fair Debt Collection Pratices Act nor have informed me that the phone call my be recorded for quality assurance purposes. These harassing phone calls have violated my rights under the Fair Debt Collection Pratices Act section 806.05 which states " causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy,abuse, or harass any person at the called number". This is proven by the fact that they have admitted on numerous occasions that my payment arrangements to pay on the next billing cycle have been annotated in my file.Desired Settlement: A written apology from corporate about their harassing phone calls and a written promise to change their policy to stop auto dialing when payment arrangements have been made.

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: In October 2014 I filed a dispute regarding fraudulent charges made to my account by a casino in the dominican republic. After sending numerous documents to customer service, I was informed that Citi Bank could not resolve my dispute: the reason, I did not have a receipt. I filed an appeal and again was told I needed a receipt. HOW WOULD I HAVE A RECEIPT IF THE CHARGES WERE NOT MADE BY ME. I asked to speak to the investigator who handled my dispute and was told no. After numerous faxes of documents and phone calls no one could answer basic questions about my appeal denial. This is an amount of money exceeding $8,000.00. I recently sent a letter to the [redacted] asking for his help in resolving this matter.Desired Settlement: A full refund of the disputed charges.

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: My credit limit on my american airlines credit card decreased without notice. I was told because I was late on my payment.

My credit limit was decreased by half on my credit card. This severely damanged my credit report and put my debt to income ratio higer.

*Debt to Credit Ratio: My debt to credit ratio, also known as your credit utilization, is the amount of debt you have compared to the amount of credit available to me. If I have a $750 balance on a credit card with a limit of $1000, then your ratio is 75%. Orginially the limit was $1500 which put me under the debt to income ratio.

*How Debt to Credit Ratio Affects Your Credit Score: This ratio paints a picture of you to anyone pulling your credit score. It tells them how much credit you are utilizing and thus how much room you have to spare. It also tells a lot about your financial situation because if you have a high ratio, then it may seem like you are having trouble paying for all the things you need. At the end of the day this ratio makes up 30% of your total credit score.

*How Credit Limit Decreases Affect Your Debt to Credit Ratio and thus Your Credit Score: Let's put this all together. You now know what a debt to credit ratio is and that it is 30% of your credit score. So what does having your credit limit reduced have to do with all of this? Well, let's say you have a credit card with a $2,000 balance and a $10,000 limit. Your debt to credit ratio for that card is only 20%. That's great! You want to keep the total ratio under 30% in order to keep a high total credit score. Then one day your lender decides to slash your credit limit to $4,000. All of a sudden your debt to credit ratio on this card has jumped from 20% to 50% and your credit score will reflect that. So even though you didn't default or pay late, your credit score is all of a sudden going to be much lower. All because your lender decided to reduce your credit limit.Desired Settlement: I would like my limit to be increased back to $1500. The limit decrease severely dropped my credit score and put my utilization rate higher. On the records it does not show I ever maxed out the card and had late payments or even defaulted.

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:

American Airlines (CitiBank) claims I made a late payment in October. This late payment was due to the fact I could not enroll in reacuring payments for the card due to the horrible user interferance of the website. I went out of my way to call customer service to set up a manual payment by phone. The late payment WAS not past due over 30 days therefore is not reflecting a late payment on my credit. I overpaid the minimum that was due after being late, and also got a courtesy waiver of the late charge. I explained to the phone rep about the inconvience of the website and she went ahead and showed me how to enroll in auto payments. Since than, I have made all payments ON TIME, and continue to do so. Attached I given the login screen shot showing I paid on time and that it was not paid over due. Thank you.

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

Business

Response:

We responded to the customer on 3/**/15. The customer should allow 7-10 days to receive our written response. If the customer would like to share this information, they can provide a copy of our response to your office.

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:

Citibank claims I was late on my payment in October on the letter. This was due to bank error. Technical problems were an issue when trying to set up a payment/automatic payment. I was late due to the auto payment not being set up on time by the bank. Since than, I have been on-time with all my payments and also have a automatic payment every month. Lowering my limit halfway for 2 day late payment does not justify this action by CitiBank.

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