Citi

Review: [redacted] Credit Services charged my familily $2,257.63 for interest from what that they considered an unpaid promotional balance.

I contacted Home Credit Services and spoke with [redacted] in Arizona. She was extremely helpful in informing me of my options to eliminate the interest charges during the 20 day grace period. She painfully totalled my payments that were eligible to be applied towards my first promotional balance of $3,641.85 and came up with a total from my 2014 payaments alone of $2,868.00. and stated that if could pay the amount of $773.85 they could eliminate $2019.44 in interest on this account. In her effort to further she assist me , because she could only see payments since January [redacted] of 2014 and I had made nearly $1,000.00 in payments in 2013, she transferred me to a [redacted]. The [redacted] refused to assist and gave me completely different numbers to alleviate the interest. His number to eliminate the interest charges was $1,982.77. His name was [redacted] and he worked in Arizona also. [redacted] was rude and bordered on being beligerent and hostile. I refused to accept his numbers because [redacted] spent significant time analyzing my account and walking thru my options with me and exhibited tremendous competance and customer care thru our entire conversation. [redacted] refused to answer any of my questions as to how he arrived at his numbers either.

At this point, I decided to go to my local [redacted] in [redacted] and speak to a live person for advice in dealing with Card Services. They expressed their own level of frustration and informed me I'm not the first that has had this problem with [redacted] Credit Services. They encouraged me to go home and call and hope to speak with someone like [redacted] from earlier in the morning. I called back this afternoon and after speaking with Naomi and Kyle and now have 2 more sets of differing numbers on what I have paid and what my obligation would be to satisfy the first promotional balance of $3,641.85.

The last 3 individials told me my situation is black and white and the amount I have to pay is set in stone... Yet all 3 had never numbers than [redacted] that started the process and spent the most time on my account.

[redacted] Acct #[redacted]Desired Settlement: I am seeking the resolution that [redacted] the first client representative was seeking but unable to attain due to her inability to see my 2013 payment history and the amount of those payments that were applied towards my promotional balance.

In summary I am looking to pay [redacted] Credit Services the difference of $3,641.85 minus the promotional payment credits of $2,868.00 and minus the 2013 promotional payment credit total that [redacted] was seeking when she transferred my call. I made

Business

Response:

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

[[redacted] Credit Services has not contacted me to resolve this. I am confused totally by their reply.]

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

Sincerely,

Business

Response:

We sent the customer a letter on 03/**/2015. It can take 7-10 business days for them to receive it.

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: My father currently has a [redacted] Department Store Credit Card issued by CitiBank. I am an authorized user on the account, in fact I've made all the purchases on the account. I also manage and pay the account. I made a purchase on 05/**/14 that qualified for a 12 month no interest promotion if the balance is paid in full, if not deferred interest charges would apply. I understand that and unfortunately I wasn't able to pay off the balance before the promotion expired and I was ready to accept that I would be paying the interest charges on the account. I understood the promotion when I was given the promotion.

My reason for the complaint is due to the way they represent interest charges on your monthly statement. As of my April statement, I had two promotions expiring in May and the bill stated I would be charged $447.87 and $22.01 for deferred interest charges on my account due to two different promotions expiring. However, when my May statement was delivered I was charged $493.71 and $26.32 instead. Now the reason is because they are charging interest based on the full purchase amount, which again I understand. But nowhere on my April bill did they ever express those were the charges. It's only a difference of $50.15, but it's not about the money but the principle.

I spoke to a representative and a [redacted] and neither cared to see things from my point of view. The employee blatantly said I was wrong and the statement I had was incorrect and the [redacted] kept rambling about how they charge interest based on the daily balance on the account. I know interest is charged on the daily balance and there is no way to predict how much interest will be charged on my account in the future because a lot of different variables go into the number. However, when it comes to promotional balance, I do not understand why they would use their daily balance method (which I read about in the fine print of their statement) because it is black and white when it comes to those interest charges. Either you pay the entire promotional balance by the expiration or you will get charged deferred interest on the entire purchase, and regardless of the time that has passed the promotion is for a set amount of time and the APR on each individual account is already predetermined. I do not understand why they would mislead consumers into what the actual deferred interest charges would be on their respective accounts. I believe this is an unethical practice used in order to mislead customers and line their pocket with extra revenue. I believe it to be fraudulent and a misrepresentation of the customer's debt actual debt.Desired Settlement: I would like to be credited the $50.15 because as of my April statement, that's what the company advised I would get charged. I would also like for them to change the way they present interest charges on the statements they issue all customers in order to not mislead any customers. They should not be using the daily balance method when it comes to any promotional balances because the daily balance method does not apply to the promotional accounts because it is pre-determined. The statement should be clear and precise in regards to what interest will be charged if the promotional balance is not paid by the expiration date.

Business

Response:

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

Review: I have received incurring late fee charges on a bill of 715.80 which was paid in full @ late Jan/early Feb.(@ 1 week after billing due date).

My bill of 715.80 was paid in full(check dated 1/**, appeared on checking @2/*). I made numerous appeals to company regarding the late fees I incurred from Feb. till now via mail. I finally got a written response 5/** stating the amt. of late fees. I called them on 5/** complaining about late fees & was told I would still have to pay some. I am a good customer, I paid my bill @ 1 week after the due date & I don't feel that these fees are fair. A similar incident happened about 1 year ago with this company.Desired Settlement: I feel I am a good customer, who pays my bill within a reasonable time & that I should not have to pay these late fees. I am currently unemployed, so these fees are especially difficult to pay at this time.

Business

Response:

Tell us why here...We have corresponded directly with [redacted]. If you would like to further discuss the resolution, may I suggest you her directly.

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: [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 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: 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: 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: This company has become a nightmare for my husband and I, not only did they NOT post a payment I made to close my account, they didn't contact me about it so A WHOLE MONTH goes by and they charge me over $200 more! Then they non stop call me on a weekend, leave no message, for non payment!!! I have bought a television, that has been repaired 4 times, and as of right now is still not working. I paid $1700 for it, I forgot the end of term unfortunately and they charged me $600!!! Ok, BAD LESSON FOR ME, but when I go into pay it and leave a month later, I find out they DENIED IT!! No warning!! $236 dollars LATE FEE later I find out!!! Did I mention this TV DOESNT WORK!!! Has been repaired 4 times, oh!! And if I have them bring me a new TV I LOSE THE over $300 I PAID FOR A WARRANTY!!! I guess I'll have to eat this, along with the LAPTOP FOR $750 I bought that doesn't work either...I asked them to check into it and call me on Monday, you know, a regular work day. Today is Tuesday and I still haven't heard. But they can call me nonstop all weekend!!

Product_Or_Service: Samsung 55"Desired Settlement: DesiredSettlementID: Contact by the Business

I want the newest charge off, I want to pay it off. I want a new TV WITH THE SAME WARRANTY and I want to be taken off ANY LIST they have me on.

Business

Response:

We responded to the customer via the U.S. Postal Service on July **, 2015. 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.

Review: they refuse to honor their advertising promotional offer of a $100.00 [redacted] statement for consumers who sign up for their credit card. they deny that I was ever offered this promotion. here is the link[redacted]Desired Settlement: credit for the airline ticket

Business

Response:

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

Review: I made a purchase using my Citi 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?

My elderly father has had a Sears credit card since before I was born. He likes to be on time or early in making this monthly payment since the interest rate is atrociously high. Because of this, he has made more than one payment in the same calendar month. Now, this should be considered responsible, but not according to Citibank who "issues and services" the Sears card; they just told me that the bill was past due to the tune of $108 (the balance was around $50 total), and that a payment had not been made since November 2015 until last week. Since I check all bills to make sure they are paid, I know there have been payments made and the account balance should be less than $20 (dad buys small drill bits and such for home projects). Perhaps Citibank should stop preying on their customers and focus more on their position on the stock exchange, which from what I just saw, was less than stellar. I do not recommend this company to anyone and I urge any current customers to seriously consider a change of credit providers.

Review: I received a credit card, it was never activated by me. I never received a bill or statement. I never received a replacement card when the credit card expired. I called number on back of card and was disconnected 5 times, I went to website and they said card was not recognized, I finally got a person and they said that they had taken my entire balance in fees and offered to refund only $3. They never provided a service for fees they took, I confirmed they had my full address on file, they never notified me of any fees it was outright theft. I asked to speak with a supervisor, I was put on hold for 20 minutes and then the phone cut out.Desired Settlement: I just want the $20 balance returned to me that they took in fees that they did not provide any service for.

Business

Response:

Please forward this to your Long Island City contact.

Business

Response:

September **, 2013

Revdex.com

ID # [redacted]

To Whom It May Concern;

Citi® Prepaid Services received a complaint from [redacted] prepaid account issued by Citi Prepaid Services. [redacted] indicated his prepaid card had expired and that he was assessed monthly account maintenance fees which had reduced his available balance to $0.00

We were able to speak with [redacted] on September **, 2013 regarding his complaint and the expiration of his prepaid card and explained the associated fee scheduled included with his prepaid card. All account maintenance fees have been waived as a onetime courtesy for customer satisfaction purposes reflecting an account balance of $20.00. Check # [redacted] was issued on September **, 2013 in the amount of $20.00 to [redacted] address of record.

If the Revdex.com should have any outstanding questions regarding prepaid account my contact information is listed below.

Sincerely,

Customer Service Manager, CS Operations

Citi® Prepaid Services

Citi Transactions Services

(P) ###-###-####

(F) ###-###-####

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.

Very happy with the representative who called me and took action that the initial customer service rep failed to do on my initial call. Thank you also to the Revdex.com

Sincerely,

Review: Was told an annual fee on credit card would be removed by customer service rep.

I called to ask to have the annual fee removed from my [redacted] credit card, the customer service rep advised me that I needed to re apply for a new card if I wanted one with no annual fee. I then asked to have my current credit card closed. The customer service rep closed my card and proceeded to tell me my annual fee would be removed. I proceeded to pay the remaining balance on my card minus the annual fee. When the next statement came out I discovered the annual fee was not removed. When I called customer service back to have the matter resolved after speaking with 2 members of managment neither was willing to resolve the situation. It still remains unresolved.Desired Settlement: I am asking for the buisness to honor what the customer service rep told me and remove my annual fee.

Business

Response:

Your recent concerns regarding [redacted]'s [redacted] Gold MasterCard credit account have been forwarded to us for review and response. Citibank, N.A. is the issuer of the [redacted] Bold MasterCard account.

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

We appreciate your patience and are committed to providing the best possible service.

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: Guilt without justification. Prevented from making payments for 90 days due to [redacted] WEBSITE NOT WORKING CORRECTLY.

Made a payment and the account was not debited. I contacted [redacted] and learned that the Account number did not enter correctly. For this reason [redacted] have placed a block on my account preventing me from paying my bill. This requires me to call the OUTSORCED personnel. [redacted] is damaging my reputation by indicating guilt without investigation, research, or even contacting the customer. Since [redacted] partners with [redacted], it is their job to inform the customers of any discrepancies to an account. I demand that [redacted] ands [redacted] apologize for this treatments and immediately remove the unjustified block to my Bank Accounts. If they are not able to resolve this to my satisfaction, I will file a [redacted] complaint and a [redacted] complaint. I will have programming. Only a Corporate Spokesperson is to contact me from BOTH companies.Desired Settlement: Remove the block, Contact me and apologize for this unjust treatment without investigation or guilt determination in Civil Court.

Business

Response:

Thank you for your communication regarding [redacted]'s [redacted] account. Due to privacy concerns we are unable to release customer information to the Revdex.com. We have responded directly to the customer as of October 2014.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID[redacted], and find that this resolution is typical of large corporations . Citibank sent me a letter indicating that they would allow me to continue to make my payments, however: They treated me as if I intended for this to happen in the language. This issue was due to a website snag that prevented me from putting my information in the blank. It took all the information without verifying its completeness. When I tried to explain, I got nothing but corporate garb.

Sincerely,

Review: [redacted] did not apply payments to promotional items, resulting in 22% interest on $386 after 6 months.

On May **, 2014 items were purchased in good faith from [redacted] using a [redacted] credit card at a cost of $386.12. These items were purchased under a 0% interest program, provided the items were paid off in a set period of time.

From May ** to November [redacted], [redacted] received $928.68 in payments for these and other purchases. However, these funds were not applied to the promotional purchases. This has resulted in an balloon interest rate on the full amount of $386.12, which is a much higher rate than would have been paid if the monies had been applied properly.

I was informed by the [redacted] credit employee that this should have been made clear that in order to have the money applied properly I would need to call the center for each payment and tell them to apply to the promotional purchases. This information was not provided by any employee at any time, including my most recent purchase at [redacted].

I was also told that if I had read the fine print of page 2 of the 10 page document it was stated there.

This seems to be unethical practice, and is causing a burden to my family. Please help .Desired Settlement: I wish the funds that were provided to [redacted] in the amount of $928.68 to be applied to the promotional purchases, which are the highest interest payments for the credit card.

Business

Response:

We have corresponded directly with our customer. If you would like to discuss the resolution, you may contact the customer 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 mailed 4 checks for 4 separate Citi Card accounts. All 4 checks were in the same envelope. Each check was stapled to the corresponding statement so that there would be no confusion as to where the checks have to be applied. We endorsed them properly and did everything we possibly could to make sure that there would be no issue.We also sent the envelope priority mail. Per [redacted], Citicards got the envelope at 7:18 am on 12/**. Citi cards posted 1 of the checks but failed to post the other 3 checks. They mis-placed them. We started a payment investigation on 12/**. Citi assured us they would find the checks and post them to our account. Some reps said 3-5 days, other reps say 5-7 days. Other told me not to worry because there are no late fees on my acct. This is not acceptable. The last rep [redacted], that I spoke with 12/** said I would get an email on 12/** or 12/** and the checks will be applied 12/**. I am not surprised , but We never go an email and the payments still have not been posted.Desired Settlement: We want the payoff checks that we mailed to be applied with the effect date that Citi received them 12/**/14. We want these checks applied to our account ASAP

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 find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

[redacted] And [redacted]

Review: I have [redacted]. Due to this condition, I misplace bills and pay late. My husband paid the [redacted] card totally on 11-**-14 in the amount of $1624.88. Without making more purchases, an amount again showed in a bill of $47.55. I called 1-**-15 to close the account and ask [redacted] to zero out the amount owed. That was when I learned the amount owed is now $60.50 so without a purchase, the acct went from zero to $60.50. I first spoke with a [redacted] in Customer Service who said it was a membership fee, other fees associated with the card and interest, and could be adjusted, but that he would need to speak to a [redacted]. I waited. He came back and I couldn't understand what he was saying, but it sounded as if it was reduced to $35.00 on [redacted] side, but I would need to speak to another department. I then asked for a [redacted], and was given to one. I did not get her name. She stated that they could not zero out the interest and I would need to be transferred to another department to reduce two other charges. She closed the account and transferred me to a [redacted]. He only mentioned one charge of $12.50 that he would remove, and could not give me a close out quote and could not transfer me back, so I would have to call [redacted] again. I did. I got a [redacted] who sent me to a [redacted]. She stated that she could not give me a pay off quote for 72 hours. I stated by then, more interest would be added, correct. I was told that was correct. At this point, I told her I would wait for the 72 hours, but I am filing a complaint with the Revdex.com. I asked her name for my records, and she hung up. I still have no idea what is being taken off, what they are going to force me to pay, though I don't feel I owe anything and they will continue to add interest.

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

Account closed with zero balance.

Business

Response:

Tell us why here...Good day, We will be corresponding directly with the customer as Citi has not received authorization from the customer to release information to your office.Regards, [redacted]

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 becauseCitibank has not mailed any information on their stance in this matter. Citibank called our home, but I do not comprehend anything and they would not discuss anything with my husband, so he can't explain to me. They stated they would mail information with an explanation, but no letter has arrived. The call from Citibank came on 1-**-15 and today's date is 1-**-15. How can Citibank claim that I do not authorize them to discuss with the Revdex.com when it was ME who reported them to the Revdex.com? As stated earlier, nothing but a closed account with a zero balance due is acceptable.

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

Sincerely,

Consumer

Response:

Paperwork was received by Citibank yesterday that does resolve any issues. I am the complaintant's daughter and I happened to grab the paperwork from her as she was about to tear it up as useless information. As stated, complaintant has [redacted] and does not understand any of this. The matter should be considered resolved and any further complaints are due to the nature of the disease in question. I apologize for any confusion.Thank you,[redacted]

Review: I PAID THE ACCOUNT IN FULL. I JUST RECEIVED A BILL FOR $ 27.00 I CALLED THEM ASKED WHY IS THERE A $ 27.00 BILL THEY CLAIMED THE PAYMENT WAS 1 DAY LATE

FEB ** 2015 AT AROUND [redacted] I CALLED [redacted]S CREDIT SERVICES AND I SPOKE TO A GUY NAME [redacted] AND [redacted] FROM THE SUPERVISOR TEAM HE CLAIMED. IN REGARD TO A $ 27.00 BILL ON MY ACCOUNT. I ASKED THEM WHY WAS THERE BILL ON MY ACCOUNT BECAUSE I PAID THE ACCOUNT OFF. THEY SAID THEY RECEIVED THE PAYMENT 1 DAY LATE THEREFORE THE ACCOUNT ACCRUE A LATE FEE. THE ACCOUNT # [redacted] . THEY CLAIMED SINCE THEY HAD REMOVED A LATE FEE FOR THE ACCOUNT LAST YEAR THAT IT WAS IMPOSSIBLE TO DO IT AGAIN.Desired Settlement: I ASKED THEM TO CLOSE THE ACCOUNT AND [redacted] SAID THAT THE ACCOUNT WOULD BE ACCRUING A FEE EVERY MONTH TILL THE ACCOUNT IS PAID. I WANT THE FEES TO BE REMOVED AND THE ACCOUNT REMAIN CLOSE INDEFINITELY.

Business

Response:

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

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,