Citi

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: 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: 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: 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 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 have a Citibank Payroll Card through my employer. I now have 3 "HOLDS" against my card in the exact same amount of $109.99 from [redacted], which are related to my attempt to purchase a black suit for a funeral. The [redacted] website said the order was never placed with them. They were unable to locate me by my phone number, name, address, or in any way. Upon calling Citibank, there was absolutely no attempt to assist or even to "sympathize" by the so called [redacted] or [redacted]. They offered no empathy or real help in this situation whatsoever. They went about their jobs by reading a mechanical, indifferent, long list of items that needed to be included in a letter from [redacted]. They refused, when asked, to contact the merchant directly to try and assist me with 1: why the orders failed & 2: to refund my holds to my card, as this all happened on the same day. They show no care for a consumer whatsoever, no ability to think outside of the box, no effort to go above, beyond or EVEN to the minimum in a unusual situation. I do not know why any corporate entity would use Citibank for their payroll services given the total lack of care shown their associates. Such unacceptable behavior has no place in the current economic environment in which we find ourselves. I really was not surprised when the first level representative claimed helplessness. However, after being transferred to "[redacted]" [redacted], not only was she short and indifferent but equally incapable of handling the problem. Then, "[redacted]" [redacted] just plain didn't give a CARE.Desired Settlement: I want the holds released by Citi Prepaid Services immediately and an apology for their sad, pathetic, lackluster call center associates.

Business

Response:

[redacted]

To Whom It May Concern: Citi® Prepaid Services received the complaint submitted on June **, 2015 from [redacted] regarding a prepaid card issued by Citi Prepaid Services on behalf of [redacted]. As a business that aims to provide a positive cardholder experience, we endeavor to resolve all cardholder issues in a thorough and satisfactory manner. [redacted] describes a temporary hold being placed on her funds in the amount of $329.97. She also references receiving poor customer service. After reviewing [redacted]’s account history, it was determined that the cardholder attempted 3 transactions on June **, 2015 with [redacted] in the amount of $109.99 per occurrence. These transactions were not completed by the merchant for an unknown reason. Since these transactions did not settle, they were placed in a temporary hold status until the transactions were either settled by the merchant or we could cancel the pending transactions after 8 calendar days. On July *, 2015, we again requested that the cardholder obtain a letter from the merchant in order to release these pending transactions. The temporary hold on these funds was released on July [redacted] after the 8 calendar days had expired and the cardholder has proceeded to conduct a subsequent transaction since that time. In regard to the claim of poor customer service received on June **, 2015, after reviewing this call, it was determined that the correct instructions were given by our customer service agent and no inappropriate behavior was displayed. [redacted] may contact a dedicated service agent at ###-###-#### between the hours of 9:00 AM and 4:00 PM EDT, Monday through Friday to discuss additional questions or concerns surrounding this inquiry. We regret that [redacted]’s dissatisfaction with this situation. If the Revdex.com should have any additional questions, please feel free to contact me at the number and information found below. Sincerely,

Consumer

Response:

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

Citi obviously CHOSE to only listen to one of the many calls that I made to them. They did nothing on their end to resolve this matter amicably. They allowed the 8 days to pass, which required 0 effort on their part. However, I have moved my direct deposit from this lackluster institution to one who truly cares about customer satisfaction so this case may be closed! No Thanks to Citibank.

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

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: The business keeps calling my phone number and asking for someone else (not me) to attempt to collect a debt from that person (not me). By law, if they do talk to the person, they are not allowed to call again for the remainder of the day. However, they have informed me that when they call a number which is not the correct number of the person they are trying to call, they do not utilize this ability, and continue calling the same number for up to 24 hours.Desired Settlement: Since, for legal reasons, they need the ability to track of the results of their calls in real time, and to be able to prevent all future calls when they talk to the right person, they should also use this ability to avoid calling the same number when they are informed that it is not the right number. There is no valid reason for the delay of up to 24 hours when they have called the wrong person, especially since calls during that time would be illegal if they had the right person.

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:

Although the company finally (although not promptly enough to satisfy me) stopped doing to me what it had been doing, they did nothing for me to make up for the inconveniece and they failed to respond in any way to my suggestion/request for a change in policy to prevent the problem for happening again in the future (they didn't even say why they weren't going to do it).

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

Sincerely,

Business

Response:

“We have closed this case. The issue has not changed. We feel that it has been addressed and no response will be made.”

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 business still has not done anything that I requested. Moreover, they still appear not to have even read the complaint, because their response apologized for failing to tell me something that they had told me, and that was the whole problem. I was complaining about a practice that I felt was wrong (and pointless) and asking that it be changed. They said nothing about why they do business that way; they only apologized, inaccurately, for not having told me. They had told me, and I never complained about not being told.

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

Sincerely,

Review: I contracted with [redacted] - Store #[redacted] - to remodel my kitchen in December, 2014. Financing was arranged through a new consumer credit card account, with no interest for 2 years. However, the full interest amount was added to the account after 6 months and the statement indicated I had exceeded my credit limit and the monthly payments had sky-rocketed. I spoke with 2 representatives who indicated the problem had been repaired but then heard from Citibank, who evidently handles the credit cards. They advised the interest has, indeed, been removed from the account but that I still must pay the hugely inflated monthly payments for the June and July statements. I believe this to be completely un-just as the error was not of my creation. The representative from the Citibank escalation department with whom I spoke today is [redacted].I have no confidence that my credit rating/score has not been damaged by this situation, nor do I believe I should be required to pay this additional monies at this time.

Product_Or_Service: Kitchen Remodel

Account_Number: Ending in [redacted]Desired Settlement: DesiredSettlementID: Billing Adjustment

1. I would like to see the required monthly payments for June and July returned to the amounts based on the principal, not including the interest erroneously added.2. I would like written assurance that this has not been reported to any of the credit bureaus.3. I would like a written apology from [redacted] for the inconvenience and resulting lack of confidence in their organization.

Business

Response:

Tell us why here... We have corresponded directly with our customer via U.S. Postal mail. Please allow 7 - 10 days for [redacted] to receive and review the response from Citi.

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: 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: 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: I went into my account online to check if their was a payment due. It was. I then check to see if their was a payment scheduled. The screen clearly stated no payments scheduled. I then scheduled a $500.00 payment to come out on the due date 6/*/2015. On 6/*/2015 the $500.00 payment and a $4457.40 payment posted to my account. I called Citi and spoke with a lady that told me that the funds were incorrectly taken from the account and she would fix it. She stated they were told to tell people 3 days however it was usually the next day for funds to be returned. As she stated the account returned to normal the very next day 06/**/2015. On today 6/**/2015 the $4457.40 payment was charged to my account again. I called and spoke with a [redacted] who told me that since the payment was returned they would try 3 times so he would try to stop the third attempt but he could not be sure if it would or not. He informed me that it may be 6/**/2015 before it all gets settled.Desired Settlement: I would like the non sufficient funds charged by my bank returned and some goodwill gesture for the time and inconvenience this has caused.

Business

Response:

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

Review: [redacted],I am writing to complain about the service I have received from your Credit Card Dept. I called [redacted] Credit Card Services to discuss a letter I received on 4/*/15 stating my account has been closed and if I had any questions to please call to discuss. When I call to discuss the letter, the response was ..... PULL YOUR CREDIT REPORT....... very rude! I asked to speak to a manager who said YOU HAVE TO PULL YOUR CREDIT REPORT. The letter states if you have questions and want to discuss to please call..... AND THIS IS WHAT YOU GET WHEN YOU CALL! I have been a valued [redacted] credit card customer for more than 10+ years. I letter states my account has been closed due to unsatisfactory credit. I have student loans that I am paying but I DO NOT HAVE unsatisfactory credit. Apparently since my card was due to expire you reviewed my account to increase the limit. First: I never asked to have my credit card amount increased. Second: yes, my card is over the limit and have been paying monthly to lower my balance but due to high interest it is not going down as fast. Closing my account means I loose ALL the credit history I had and totally jeopardizes my credit ..... this is not fair. My last purchase was back in July which caused the limit to go over. Why not just say no more purchases until the amount is under a certain amount rather than closing my account. I have not been a bad customer and now closing my account ..... what reason does that give me to pay the bill on time?????? You closed my account AND still continue charging me high interest. I have worked hard at paying my bills to keep my credit..... SO thank you [redacted] FOR NOTHING!!! I see how you treat your customers which could be the reason why there is hardly no customers in your store. I would like someone to call me to discuss options regarding my card. Someone that will listen and can offer a suggestion rather than pull your credit report. Unbelievable!! Your customers service needs training in talking to customers.

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

I would like either: Reopen my card and remove making any further purchases until the bill is down to $500 or paid off. The bill will be paid ontime until paid off. This will allow keeping my credit history.ORIf you will not re-open the account, remove the interest so the card can be paid off within 4 years.

Business

Response:

We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact 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 have not been contacted by anyone from [redacted] nor from anyone from Citibank regarding this account. This issue has not been resolved and I am looking for someone to call and discuss options regarding the [redacted] account that was so abruptly closed. Thanks [redacted]

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:

No offer to accept my suggestion of lowering the interest rate until the card is paid off was accepted. The letter that was sent from Citit stated the interest rate is 19% of which they will not be lowering even though they closed my account. With payments of $140 only $30+ is going towards the principal resulting in the card never being paid off for 18 years. This shows me Citi bank does not care about their customers because they refuse to offer or help to lower the interest so more can be applied towards the principal on this closed account. I will be sending [redacted] another Revdex.com report to let them know that the source that holds their customers credit cards is not looking out for them but only for themselves. Revdex.com I would like you to be a mediator in this. Please let me know.

Thanks [redacted]

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

Sincerely,

Business

Response:

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

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: I made a purchase using my Citi card last October *, 2014 at Adore Organic Cosmetics in Beverly Hills, CA. It was a large order - $1,260.00 - and they said they would ship it to me.

I waited for a couple weeks; it did not come. Me and my friend [redacted] made multiple calls to the store (answering machine only) with no return phone call; then we called and spoke to the salesperson Danielle who sold me the merchandise. She said she would have the manager call me - no call.

After numerous calls, the merchandise finally showed up at my house exactly one month after I made the in-store purchase. The package did not contain some of the correct merchandise, so again we attempted to contact Adore, with no success.

Steve finally contacted Adore in Miami, and they were easier to talk to. Those people sent us what they thought was the merchandise we ordered, but it was not. After another couple weeks, and almost 60 days from the purchase date, we got frustrated and returned by [redacted] all the merchandise to the Miami store (since we were in contact with them).

We then filed a complaint with Citi, and they put a hold on the charge.

After a couple months of correspondence, they reversed the conditional credit I had - thus forcing me to pay the $1,260.00 - although I had returned 100% of the merchandise.

Thus - after months of aggravation with Adore, and without any of the merchandise, I am out the $1,260.00.

Citi closed the file on their end; apparently agreeing that Adore's 14 day return policy superseded the fact that we attempted in good faith to work with Adore to get us the correct merchandise. AND despite the fact that it took Adore 30 days to make the delivery to me - which meant I was already past the 14 day return date.

In summary -

* I purchased the merchandise in-store at the Beverly Hills location

* It took 30 days for Adore to deliver the promises that I would.

* Adore fell back on a 14 day return policy despite the fact that it took 30 days to deliver to me.

* After attempting, in good faith, to merchandise to me. * The merchandise they delivered was not what I ordered. * I was unable to talk to management at the Beverly Hills store, despite their resolve the issue with the Miami location, I was unable to do so and returned 100% of what was sent to me. I have the [redacted] confirmation.

Thus - I paid $1,260.00 for merchandise and Adore has the merchandise.

Citibank did not protect me on this purchase.Desired Settlement: I would like a credit by Citibank for the $1,260.00 charge that they did not protect me on; and a repair of my credit for any damage that was caused as a result.

Thank you.

Business

Response:

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

Consumer

Response:

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

[Your Answer Here]Citi indicated that they would be contacting me directly; but as of now I have had no contact with them. I do not want the 6 day time limit to expire before they contact me; so I am indicating to Revdex.com that we are not satisfied with Citicard's response.I am hopeful that they will honor their obligation to protect their customers from retailers who are treating their customers inappropriately by not refunding the purchase price of items that have been returned.Thank you.

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

Sincerely,

Consumer

Response:

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

[Your Answer Here]We have not heard back from Citicards. Once again, we need to reject Citicards since they have not made an attempt to resolve this issue.We have proven to them that we returned all goods that were purchased to the only Adore outlet that would take our call or respond to us. Citi has said that our return somehow didn't count because we didn't return the items to the proper location - although their customer service department never attempted to contact us or return our call.At this point, Citi is unwilling to stand by their customer protection guarantee because they erroneously rejected our claim; and they are unable to receive compensation from Adore.Citi and Adore, at this point, are both unethical companies who attempt to wear down their customers until they give up.Very sad.

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

Sincerely,

Business

Response:

We

will be corresponding directly with our customer. If you would like to

further discuss the resolution, may I suggest you contact them directly?

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: 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: I had a [redacted] account with them I made my monthly payments on time but they stated I wasnt and sent me to collections.

I want a refund for the money that I have paid to the collections group you sent me to as well as the collections off of my credit if it is not fixed I will be contacting a lawyer. I do not have my account number at this time. you should be able to pull the account up with my name and or phone # ###-###-#### or ###-###-####. I will be more than happy to speak with someone in higher management to resolve this issue because it has been an on going issue and your company is ruining my credit.Desired Settlement: I want refunded the money I have paid to the collections agenacey as well as for your company to remove the account off my credit and pay for the damages you have made to my credit. I am unable to purchase a house at this time because of the negative collections and comments from your company on my credit. I ALWAYS PAY MY BILLS ON TIME I HAVE NEVER BEEN LATE ON ANYTHING IN MY TIME OF HAVING CREDIT CARDS. IF SOMETHING IS NOT DONE I WILL GO TO COURT THIS IS RIDICULOUS I HAVE TO FILE A COMPLAINT TO

Business

Response:

Tell us why here...We will respond to Revdex.com with the following: We have corresponded directly with [redacted]. If you would like to further discuss the resolution, may I suggest you contact [redacted] 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.