Citi

Review: I have been a Citi customer since 1998. In July 2014, a mysterious payment appeared on my bill - $10.80 for "interest charged to standard purch." I think it was related to a late fee that was removed administratively. I was told this charge would be removed. But it wasn't. The next month, I was charged a $25 late fee for the $10.80 charge. I was told there was nothing Citi could do about it. Each month, Citi charged interest and another $25 late fee. I spent hours and hours on the phone with people out of principle. I have copious notes. Some people told me they removed the charges, others said they couldn't. Long story short, one Citi rep removed the charges, which had ballooned to $123 by October. The whole time Citi reported "serious deficiencies" and 90 day and 120 day late payments. This has RUINED my perfect credit. Citi refuses to correct the credit reports. The whole thing started because of Citi's error. Citi told me there would be no charges in July - and despite my repeated calls, Citi did not correct the problem.Desired Settlement: All I want is for Citi to correct my credit report to show a Citi error and not my delinquency. This is urgent.

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: although Citibank claimed that it would be in direct contact with me, as usual, Citibank did not call or write. This is similar to what has happened to me repeatedly. I was told over and over again that a manager would call to fix the problem with the charges - within 48 hours - but managers never called. This is just more and the same. Citibank should tell Revdex.com how they intend to address the problem that they have caused. Ruining a customer's credit over a $10 mistaken charge is just horrible, and making me wait another day more to correct it, preventing me from qualifying for a loan, is inexcusable. What will Citi do to correct this problem?

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

Sincerely,

Business

Response:

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

Consumer

Response:

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

Sincerely,

Review: ON OCT **,2015 THE BALANCE WAS PAID IN FULL. IT WAS PAID ONLINE. THIS WAS 3 DAYS BEFORE PAYMENT WAS DUE. I AM NOW BEING TOLD AND BILLED FOR INTEREST THAT WAS APPLIED 5 DAYS AFTER PAYMENT IN FULL WAS PAID. I DO NOT FEEL THAT I SHOULD HAVE TO PAY ANYMORE SINCE THE BALANCE DUE IS WHAT I PAID. THEY HAVE ADDED RESIDUAL INTEREST PLUS THEY KEEP ADDING INTEREST AND LATE FEES. I DO NOT UNDERSTAND HOW I CAN OWE ANYMORE SINCE THE ACCOUNT ENDING IN [redacted] WAS CLOSED A COUPLE OF YEARS AGO.Desired Settlement: I DO NOT THINK I SHOULD OWE ANYMORE ON THIS ACCOUNT. I WOULD LIKE THE TOTAL, WHICH IS ALL INTEREST AND LATE FEES, TO BE TAKEN OFF AND HAVE A $0 BALANCE.

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: To Whom It May Concern:

On 12/**/2015 I was approved for a Citibank ThankYou Preferred Credit Card. When signing up for the Credit Card, I was offered a promotional 20,000 Citi ThankYou Points after spending $0 in 3 months. I have a screenshot of this advertised offer at the time of application.

After receiving my card in the mail, my offer letter now says I must spend $1500 in 3 months to be eligible for these points and the offer that I received will not be honored.

This is extremely aggravating as I would not have applied for this card had that offer been presented to me. Citibank needs to honor their original offer that was advertised to me. I have incurred a hard pull on my credit report due to application of this credit card and therefore future applications with other banks may be at a disadvantage. I would like CitiBank to honor their original offer of 20,000 ThankYou points after $0 spend.

Thank you for your help.Desired Settlement: I would like CitiBank to honor their original offer of 20,000 ThankYou points after $0 spend.

Business

Response:

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

Consumer

Response:

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

Sincerely,

Review: In 2012, I found out that Citi had changed my credit card due date without my knowledge nor given me any notification. Originally the credit card due date was the last week of the month, but Citi changed the due date on their own. I asked Citi to change the due date back to the original due date several times as that is the time I get my [redacted]. However, Citi refuses to make any changes and does not cooperate.Desired Settlement: I want the due date for may Citi credit card to be on the [redacted] of each month. This will facilitate my financial obligations and have enough money to cover the payment. I have asked Citi for this several times.

Business

Response:

July 9, 2013

Re: Citi® Driver's Edge Platinum Select Card account ending in [redacted]

Dear [redacted]:

We have received the inquiries that were submitted to the Consumer Financial Protection Bureau (CFPB) and the Revdex.com (Revdex.com) regarding the account listed above. We appreciate the opportunity to respond.

Our records confirm that on March **, 2012, you agreed to a Paydown Program that required monthly payments of $481.00 and reduced your interest rate to 9.9%. This program is designed to reduce your balance to zero within 43 months. The payments were scheduled for withdraw on the [redacted] of each month, which has been the billing date due since January 2011. The terms of the program were mailed to you at that time.

As our Manager Assistance Unit representatives previously advised, the withdrawal date for your payments could be moved to a later date; however a make-up payment would be required to remain on the program. Our records reflect that two payments were received within the last billing cycle and your withdrawal date was changed to the [redacted] day of the month.

We appreciate [redacted] speaking with our Manager Assistance representative on July *, 2013, confirming that the issue was resolved. If you should have any further questions, please call our Manager Assistance Unit at ###-###-####.

Sincerely,

Regulatory Complaint Specialist Citibank, N.A.

Review: I, [redacted], paid off my loan with One Main Financial through Discover Bank because I got a much lower interest rate through Discover Bank. I obtained a pay-off from One Main, but don't recall if I called and spoke to someone at an office or retrieved the pay-off through my on-line account. Discover Bank then paid off One Main Financial but the full amount was not paid, as a balance of $138.24, according to One Main Financial was still owed. I paid One Main the full amount of $138.24 of which they applied $137.91 towards my balance, and $0.33 towards interest which left an outstanding balance of $0.33. On 01/**/2014 an auto-payment draft by One Main Financial was initiated in the amount of $310.16 from my personal checking account, which was the full monthly payment amount. On 01/**/2014 I called the One Main branch in [redacted], [redacted] (branch #[redacted]) requesting a refund for $309.83 which is the difference between what One Main drafted from my account and the outstanding balance. I was told by an employee at the branch that he could not give me a refund right now, it would probably take about a month to get my money refunded to me. I was told to call customer service for further inquiry, which I did. A Customer Service representative told me that there was nothing they could do, only the branch could handle this issue. I was then transferred back to the branch and put in contact with the manager. I was told by the branch manager that this issue was my fault because I did not receive a proper pay-off amount to give Discover Bank and that my refund would take at least a month to process. I asked to speak with a supervisor and was told that there is nobody else for me to speak to. I was told that the refunds are completed by a "back department" that nobody has access to, or is able to contact. I have no other form of recourse other than filing this complainant with the Revdex.com since I was denied speaking to anybody higher up within the One Main Financial corporation.

Product_Or_Service: Loan/moneyDesired Settlement: DesiredSettlementID: Refund

I want the overpayment refunded to me within one business week as there is no possible reason One Main Financial has to wait at least one month to refund my money.

Business

Response:

Review: Identity Monitor by Citi (bank) arbitrarily dropped me because they say my credit card was no good when in fact it was perfectly okay. I now have no identity protection. They said they sent me three letters---I only received the last one the day after my service was terminated. They said they were refused payment by Discover card. Discover had no record of any denials to anyone during that month. They now have a policy that anyone who is dropped cannot be reinstated. All requests must go to the "Back Room" to be evaluated. It was their incompetence that created this problem. Now I'm supposed to wait while they decide whether or not to reinstate me. Since I was given absolutely no warning that this was about to happen I feel their business practices are extremely cavalier in the way that they have been administered.Desired Settlement: To be reinstated immediately and the billing dept should get a makeover that requires several methods of notification so that cards can be updated on their website or over the phone.

Business

Response:

It is believed that this is a Discover account. If this is not the case please advise what the Citibank account you are refering to in your complaiint.

Review: I purchased a set of Kumho Tires from [redacted] and received a 50 dollar rebate card. I tried to use the card and was told it wasn't activated. I called today May [redacted] 2014 and was told they can't reissue my card due to the date being expired. I never used the card due to it not being activated and now they're trying to keep my money. Rebate cards are the new form of rebate checks. If they would have issued a check this would not have happened. I feel the company did this because they know it's hard to use the whole card due to having to split tender and I feel they use this as a way to produce revenue they other wise would of never had.Desired Settlement: My desired settlement is a re issuance of my rebate card or my 50 dollars in check form. It was my money to being with, so why do they get to keep it? It's unfair in my eyes.

Business

Response:

[redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on May *, 2014 from [redacted] regarding the balance of an

expired prepaid card issued by Citi Prepaid Services. As a company that is dedicated to providing world-class service, we strive to

resolve all cardholder issues in a thorough and satisfactory manner.

The cardholder is requesting their card be reissued with a balance of $50.00. Citi Prepaid Services has recently made three

attempts to contact the cardholder leaving messages without a reply.

After careful investigation and research, it was determined that this card was originally issued in May 2012 and had an expiration date of November 2012. The expiration date was embossed on the front of the card. At the customer’s request on December **, 2013, as a one-time courtesy, we reissued the card in its original amount $50.00. The expiration date of this replacement card, which was embossed on the front of the card, was April **, 2014. As the customer has been granted the one-time courtesy we will not be reissuing a second card.

If the Revdex.com should have any additional questions, please feel free to contact me at the number and information found below.

Sincerely,

Review: for 6 weeks I have been unable to set up a pin on my citi prepaid card and I have contacted them consistently each time they tell me to call back two days later and it will be fixed and it never is I am unable to use my card for atm and it is extremely difficult for me to get to a bank and do a cash advanceDesired Settlement: I would like to be able to use my card for atm and debit purchases and not have to carry large amounts of cash on me as I do take public transportation I would like this resovled asap

Business

Response:

June **, 2014

Revdex.com

Case # [redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on June *, 2014 from [redacted] regarding the ability to reset a PIN on a card issued by Citi Prepaid Services. As acompany that is dedicated to providing world-class service, we strive to resolve all cardholder issues in a thorough and satisfactory manner.

The cardholder is unable to set up a PIN due to inability to match information provided by and required by his employer for cash access. The first call received from the customer was on May **, 2014 with subsequent calls on May ** and June *. Each call Citi Prepaid Services returned the call at the number he directed, without reaching

the customer. We are unable to leave messages at this telephone device. In addition, Citi Prepaid Services has made three additional attempts to contact the cardholder in response to this correspondence, without reaching him or being able to leave a message.

Citi Prepaid Services will be happy to assist [redacted] once he returns the call to our escalation line at ###-###-####.

If the Revdex.com should have any additional questions, please feel free to contact me at the number and information below.

Sincerely,

Review: Below is a copy of the letter I sent to the company and am now sending to you:July **, 2014To whom it may concern,I and my family are regular card holders of the [redacted] credit card; I make regular purchases to this card, always make timely payments and have been in good standing with [redacted] and their credit companies for many years now.With saying that, I called in on July [redacted] sometime in the afternoon to make my normal monthly payment to find out my balance went from around $1600/$1700 to over $3500. I immediately thought they had confused my fathers account with my own because I knew we had the same name and he had a higher credit limit then me. So I waited to be transferred to customer service. After confirming the account was mine I began to get angry and upset because I wanted to know how this could be. At this time I was informed it was the interest based on the first purchase I ever made on the card back when I first opened my account 3 years and 1 month ago. I asked, how could this be?, due to the fact that not only did I cancel the service plan on the TV which credited back about $400 to the original balance of the original purchase around $1800, but I have paid over that balance in payments over that time frame. Then the customers service representative informed me that I didnt choose for my payments to go to the original purchase that I made that was under the no interest payments for 36 months. I said this is not what I was informed by the sales representative or the person who signed me up for the credit card at the store when I made the purchase or signed up for the card. At the time I was told that all my payments I make would go to the balance until that balance was paid off and just to make sure I reach that amount before the 36 months has ended. Nothing about choosing where my payments where applied if I used the card further for purchases, that I had to choose to pay to the original balance or new purchases, which your representative was telling me, now. This made me further upset and I asked to be connect to someone that could make the adjustments to my account to clear me of these charges due to the fact I have paid beyond my complete balance over the time I had the card. I was connected then to account person who just went over the same information as the last agent. She also instructed me that there is a section where I would make the choice and I told her the only thing I see is a promotion balance on the bold printed part of the bill and the whole balance. There was no section telling me that I needed to specify where I wanted my payments to be directed. At this point, she then said well it is located on the back of the first page of the bill. When I turned it over not only was that information written in a light print it was also a faded print as well as written in legalese to make it less understanding to the average person. I said first off this is not what I was told by the company that had me sign up for the card and also this was never explained to me that I had to choose nor was it visibly set up or put in a way that would allow me to know and or understand what I had to do if anything. In the bills it is obviously written and displayed in a way to not only cause less understanding but a less likeliness to be read due to the style of print used which is completely different then what the bill itself, which shows you what is owed and what has to be paid, is printed in. I feel not only was I misinformed at the time of purchase, but the company in charge of collecting my debt regularly is making an attempt to deceive me, the customer, with the way their documentation has been constructed. Because of this I am reaching out to the entities that receive this letter for help. I and my family live like most Americans, check to check. We cannot afford this kind of problem that has now presented itself to what I feel was not just and or fair to me the consumer. This letter wilDesired Settlement: DesiredSettlementID: Other (requires explanation)

I am expecting all the interest that they unfairly as well as not informed properly by the sales associates at the company be refunded. I should not be held to the interest payments because I was not informed of the different choices I had to make in paying off the first purchase and they didn't give me any real information when signing up for the card in the first place. They took information and had me sign electronically.

Business

Response:

Thank you for your communication regarding [redacted]’s Best Buy account. Due to privacy concerns we are unable to release customer information to the Revdex.com. We responded directly to [redacted]'s concerns.

Review: Beginning of the month of September I called to arrange to stop two checks that were sent by this organization. I was given a time frame of 5 business days for the checks to be stopped and one to three days for the funds to be deposited to the account I provided. After numerous amount of calls to say well over 10 calls to try to find out why this issue has not been resolved. I am given time frames to call back to. After the time frames of 24 to 48 hours pass. I call back to only be told to give it another 24 to 48 hours. I have talked to four supervisors, none which have even tried to help me with my issue. As of today my issue has not yet been resolved or received my financial aid funds that I need to pursue and achieve my educational goals.Desired Settlement: I would like for my issue to be resolved as soon as possible with the least amount of time frame accrued. I also would like for some change in the process and manner they handle their customer support and policies. After the floor supervisor I end with no other option on anybody to speak above them to resolve my issue. I am left with only having to wait and call back. To only find out nothing has been done or call back again.

Business

Response:

[redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on October *, 2014 from [redacted] regarding two stop payment requests on checks drawn on a prepaid card issued by Citi Prepaid Services on behalf of [redacted]. As a business that aims to provide a positive cardholder experience, we strive to resolve all cardholder issues in a thorough and satisfactory manner.

Upon speaking with the cardholder on October *, 2014 and confirming [redacted]’s preferred resolution and banking details, Citi Prepaid Services completed a stop payment on the previously issued checks and processed an ACH transfer to his account as requested.

We regret that [redacted] encountered these concerns and have apologized for the delay in our response. We hope that this has resolved the matter. If the Revdex.com should have any additional questions, please feel free to contact me at the number and information found below.

Sincerely,

Review: [redacted] gave me a second charge account WITHOUT MY KNOWLEDGE .

Buying a home; my lender told me there was a 90-day late on my spotless credit report (FICO went from [redacted] to below [redacted]); I called [redacted] and they said that didn't owe anything,but I had a credit instead (?) I looked at my monthly statements and noticed there were TWO different account numbers on each of them! [redacted] rep "[redacted]" told me that the closed account which had "*" credit limit was the statement that I made my payment to through my [redacted] bill pay. I NEVER HAD MORE THAN ONE ACCOUNT WITH [redacted]. When I asked for more information, rep said it was opened in Sept 2011 but never used until April 2014 when I made a payment (?) But I never owed any balance, so instead the payment I made was used as a "credit" to the account and my real account went unpaid. I am ** years old and I told [redacted] he needed to do something about this because my mortgage lender is not happy about this. [redacted] said he would send a letter so that I could give it to my lender and get my credit score fixed. I never received a letter and when I spoke to another rep at [redacted], she said that it was my fault and I should have been more careful (?) I NEVER OPENED UP MORE THAN ONE [redacted] CREDIT ACCOUNT AND IF [redacted] DID, THEN IT'S NOT MY RESPONSIBILITY. Why would they have a closed account available for me to make payments to?? It doesn't make any sense. I have only one account with a $[redacted] credit limit. I receive a monthly bill and I pay it...PERIOD. #[redacted] is the viable account; and #[redacted] was the account that I never used and was closed, but they left it opened so that I could pay the bill for #[redacted]. If this wasn't so serious, it would be funny. The bottom line is that I did NOT open up more than one [redacted] account and I may be closing down doing any business with them for the rest of my life. I'll go [redacted] instead. And being that I'm about to buy a new home, I won't be spending any money on home improvements in [redacted]. The [redacted] rep I spoke to on October [redacted] was very rude and unreasonable. My next course of action is to get an attorney involved. I want answers immediately.Desired Settlement: I want them to make good on this situation as [redacted] promised they would. This was not my doing. I want to be able to get this expunged from my credit report! I paid my bill through a credit card account that was CLOSED. They should not have enabled the account to receive any payments if the balance was zero and the credit line was zero and it obviously was shut down. Ridiculous!

Business

Response:

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

Review: Called to Lower Limit on CC and they ran my credit for an increase without my knowledge.

Called [redacted] Credit Service to lower my credit limit and they ran my credit for an increase without my approval. Tried to dispute it and they told me to call back in 15 days.Desired Settlement: For them to fix the hard inquiry on my credit card that was NOT authorized for them to do.

Business

Response:

Thank you for your communication regarding [redacted] Credit account. Due to privacy concerns we are unable to release customer information to the Revdex.com. We have responded directly to [redacted] in regard to his complaint.

Review: Citibank operates Home Depot credit card as a private label. Due to their incompetence I continued to accrue late and other fees as they failed to provide credits they promised in timely fashion. They did not provide timely correspondence and billing and I had to contact them several times to correct. In the end, since they could not correct I was erroneously charged $29.38 due to their predatory practice. To clear the situation which never would have ended if I did not (can only credit one fee per pay cycle I was told so if you had more than 1 item, you would be in arrears and thus charged a new fee and credited once, etc.) I paid this $29.38 and have contacted FTC and Revdex.com for resolution.Desired Settlement: Refund $29.38 and cancel my credit card

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:

[Your Answer Here]

I have received no correspondence or redress to my complaint of improper actions and handling of my account at Citi. I am still being unfairly charged the $29.43 and have not heard from this business. I asked them to contact me via email or phone on file so we may resolve. 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:

I have not received any written response nor phone call from the merchant, and it has been 13 days since they reportedly sent such written response. I would ask they resend via email to [redacted] or via phone call to my mobile [redacted]. PleaseThank you,

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 via email, as requested.

Review: I have two [redacted] through Citi. I have been out of work since May and haven't even been able to make rent and utilities. I have been actively looking for work, and was employed for a month from September to October until I was fired for discussing pay with another employee. The National Labor board is in negotiations with the company to resolve the issue as it is not legal to fire an employee under those circumstances. I have also been waiting for almost a year for the Veterans Affairs to process my claim for disability. I have just recently received a payment from the VA and can now catch up my bills. Both of these accounts would not have lapsed if I had income to even make monthly expenses. As bad as a financial situation I am in, I was also victim to two grand theft charges, which neither individuals have paid me for the over $30,000 in losses I have sustained. I feel that Citi could be more understanding in this issue and help me with these two accounts out of respect for the business with them in the past.Desired Settlement: Credit back late fees and annual fees to make it feasible to bring them to a zero balance.

Business

Response:

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

Consumer

Response:

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

I was not contacted by the business. There has been no attempt to resolve this issue with me as of yet.

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

Sincerely,

Business

Response:

A response has been mailed to [redacted]. We ask that he allow 7-10 business days to receive our correspondence, as January ** was a federal holiday.

Review: Contacted customer service to make a payment on a past due bill due to unemployment. Was informed during the payment process that the company had closed my card. Told them that I needed to make sure the account was open before the payment could be completed. Transferred around, discovered account was closed, permanently. Told rep I needed to call back and schedule payment later when I could better afford it, but the payment had been processed without my consent in the interim and could not be refunded.Desired Settlement: Refund the $25 payment scheduled, and set up a settlement amount for the account in the future.

Business

Response:

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

Initial complaint was that the bank made a mistake in processing a payment that I requested be held until certain information was verified, only to discover the payment was process while I was verifying the information. When informed of this, bank rep repeatedly explained information I already knew, then requested time to research a recording of the phone call of the interaction in question. When no such recording could be located, the bank assumed no liability and only offered an alternative credit that does not suit me or my needs. Explained this to the rep, but the rep had no alternatives to offer. Accepted the concession because it was the only presented course of action, but clearly stated that this is not a satisfactory resolution to my complaint -- it seems ridiculous that the responsibility of proof that I had a bad experience lies in the hands of the people who created the situation in the first place.

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

Sincerely,

Business

Response:

Tell us why here...We have corresponded directly with our customer on 3/*/15. Please allow 7-10 business days for the customer to receive the letter. If you would like to further discuss the resolution, may I suggest you contact him 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]

As per their limitations, I believe my complaint cannot be resolved as they refuse to reach a solution I am satisfied with.

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

Sincerely,

Review: Their predatory lending has caused me undue hardship and I cannot afford the payments and they have NO way of helping me or even wanting to help me.

I had filed a complaint with Revdex.com about them but instead of helping me or offering some sort of respite, they INCREASED my payment amount and made them DUE IMMEDIATELY, even though I am in school. [redacted], the man in charge, is a heartless, cruel monster and instead of even trying to help me, he increased my loan amount and made them due faster than they should have been (I have loan deferment documents saying that they're deferred until 2019).

This is completely unfair, I am on the verge of a nervous breakdown, my health is deteriorating and I am working 2 jobs trying to pay off this insane loan amount and all I'm asking for is help from Citibank because I'm panicking and I can't afford this. Please help me, stop being so cruel and please help me. It's not fair that the banks get bailouts but normal people like me have to live out of their cars trying to pay this absurd monthly amount.

Their previous letter said they appreciate my hardship- what does that even mean? Please just help me, I'm begging, I cannot afford this, I'm terribly sick and have [redacted] issues as a result of this overwhelming debt suffocating me and I'm hopeless, please. Any sort of help would be very needed.Desired Settlement: Anything, any help you can give me, please. Please please. I'm sitting here crying because I can't afford it and I don't know what to do, I'm living out of my car right now. Please, anything.

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:

They didn't offer any help. They just told me that I'm stuck and I wont be able to do anything about it.

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

Sincerely,

Review: Collection in the credit history from 2008/09 which I had disputed and I Consumer closed in 4/** the account due to fraud. Someone purchased patio (I think) furniture using my account number. We filed numerous disputes and mailed numerous letters of disputes to [redacted] but the collection was filed and still remains on my credit history. Back in 2010 they even assured me it was handled and resolved. My closed account number is at [redacted] is [redacted] Billing address is [redacted].

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

DesiredSettlementID: Other (requires explanation)

Please help get this issue finally removed from all my credit history by all credit reporting agencies asap. Thank You in advance for your help in the matter. I even asked numerous times to produce my signature on the purchase and I would be happy to pay but they never received or could because I never purchased. I also wrote letters to [redacted] Credit Services, [redacted]

Business

Response:

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

Review: Ref: CITI [redacted].

It is pure agony with it.

[redacted]# [redacted]###-###-####

I have more than $13,000 credit in the account. CITI froze my account due to Fault Alert I placed 15 years and contains my home phone number [redacted] that was dis connected 10+ years ago and reassigned to some one else now.

1) CITI expects me to answer at ###-###-####.

I wam seeking Credit Bureau help to remove the Fraud aslert. I offered to come with My passort & driver licence. That is issue #1.

Other issue is I made Balance transfer from my other accounts to CITI [redacted]. It is held for 30 days for review. It is pure customer annoyance.Desired Settlement: I want my credit in the [redacted] refunded to me now to the address listed while obtaining credit card. CITI has my official and correct address. I need pay medical bills NOEW. Can not wait another week. It is my money Iwant it to bereturned NOW NOT in the future that CITI wants to because of crooked and unfair business practices.

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: Citicards went into my acct and claimed I did a ACH over the phone with my bank..as you see in this message, that was not the case. They still have not notified me by email or any other way of the withdrawal and have not posted to my acct the three hundred dollars, however the money has been removed from my acct. I have chatted and emailed with them with NO results. I have also consulted with an attorney to confirm this is, in fact, illegal.

Email Transcript

Send

A Citi Cards [redacted] will be with you in approximately 0 minutes 4 seconds.

For your protection, we'll never ask you for passwords, PINs, User IDs, security words or any part of your social

security number during a chat. Other information may be required to help us verify your identity. This chat may be

recorded or monitored for quality purposes.

You are now chatting with [redacted].

[redacted]: Welcome to Citi Live Chat. We appreciate the opportunity to service you. How may I help you?

[redacted]: Hi, I am concerned that my acct has been compromised. I came to make a payment today and see that a phone

authorization was given for a three hundred dollar payment. I did not do that and I am the only person on this acct. Also, why was I charged

interest twice this month? TY

[redacted]: I apologize for the inconvenience, I will have a quick look into your account and check this for you, [redacted].

[redacted]: In addition, I was charged a thirty five dollar late fee on the day the payment was posted??

[redacted]: I completely understand your concern, [redacted], I am checking this for you.

[redacted]: Please allow me a minute while I review your account details.

[redacted]: Thank you for your patience, [redacted].

[redacted]: Does Citi manage HSN Cards?

[redacted]: Can you expand HSN?

[redacted]: Home Shopping Network

[redacted]: I thought maybe that was who took the payment but it isn't

[redacted]: Thank you for confirming, [redacted], Citi does not manage home shopping network, however you can visit

[redacted] and double check this.

[redacted]: Just to confirm, may I ask have you received any call or email

from our collections or fraud department?

[redacted]: okay...do you see what happened with this call in payment. I have never called in a payment. I always pay after I

get a check first of the month...online

[redacted]: No

[redacted]: No call

[redacted]: No email

[redacted]: Thank you for the confirmation, may I confirm the reason for missing the payment?

[redacted]: I can't meet the time frame, since I don't get paid in time and the fees are killing me each month

[redacted]: I apologize for the inconvenience, you can change the payment due date online of your preference and the new

payment due date will become applicable on the account within twelve

billing cycles from your requested date.

[redacted]: When I have tried to pay extra..it never applies to the next month's payment..it just comes off the balance...two

steps forward...thirtyy seven back

[redacted]: Really??

[redacted]: That would be great! How do I do that?

[redacted]: I will be happy to, walk you through the online steps to change it.

[redacted]: Please click on the "Account Management" tab.

[redacted]: Okay, thanks

[redacted]: In

[redacted]: You are welcome.

2/*/2015 Chat Window

[redacted]: Then click on "Change Payment Due Date"

[redacted]: Oh, I see it! There is no way to catch a break for any late fees, is there? I am a single mom and doing the best I

can!

[redacted]: Its under the heading "Account Management Services" on the right side.

[redacted]: Done

[redacted]: Great!! I am happy to know that.

[redacted]: Our auto pay service will help you in avoiding the late fee on the account.

[redacted]: Yes, but the balance changes each month and the fees change, so how do I know my payment amount to set to

avoid???

[redacted]: And it shows that the $300 came out of my bank acct but does not show pending on my Citi acct

[redacted]: You have the option to chose the minimum due amount.

[redacted]: K

[redacted]: Is there any way to reduce my interest rate?

[redacted]: It's brutal

[redacted]: I still can't figure out how authorization was given for the three hundred dollar payment?

[redacted]: It also doesn't show the three hundred dollars as having been received

[redacted]: [redacted], I see that the payment were made over the phone.

[redacted]: Not by me.

[redacted]: On what date?

[redacted]: On 02/**/2015.

[redacted]: That is impossible.

[redacted]: I direct children't theatre and I went straight from my library programs to rehearsal till 11pm. I would like this

investigated, please. I would like to start a dispute, because if someone access my checking acct without my authority, that

isn't right.

[redacted]: Also, why doesn't it show as a payment received?

[redacted]: Why would I pay three hundred dollars when I don't owe that much and I am struggling to keep up?

[redacted]: Still there?

[redacted]: My sincere apologies for the inconvenience, your account has gone over the credit limit so our collections

department has made the payment on your behalf.

[redacted]: Well, that is illegal

[redacted]: My acct went over because of your fees

[redacted]: As we have not received the payments on time, the late fee were automatically posted on the account by the

system.

[redacted]: excuse me?

[redacted]: That is not what I am disputing. Please give me a supervisor and thank you for your help

[redacted]: This conversation has been saved for my records.

[redacted]: Thank you, you can take a print out of the chat session, our supervisor will be available over the phone at our toll

free number.

[redacted]: I have just copied and pasted for my bank and they will be handling the dispute thru the Credit Union.

[redacted]: [redacted], our collections department will have the access to make the payment whenever the account will be past

due or delinquent status.

2/*/2015 Chat Window

3/*

[redacted]: NO, they do not.

[redacted]: I see that we have not received the payments of minimum due from the November month on time.

[redacted]: They have not been authorized to enter my acct and as of this day...I will no longer be a paying client. Screw me

once shame on me. They have received payments each month and added enormous fees each month.

[redacted]: There is no reason for us to discuss this further. Entering my acct, as you stated and taking a random amount that

doesn't even bring the account to the correct balance is illegal.

[redacted]: The payment that was of three hundred dollars is still pending for some verification.

[redacted]: It is not yet posted on the account completely.

[redacted]: Yeah, I imagine it is, since it is stealing.Desired Settlement: They will admit to this crime.

Be held responsible.

Return my money and compensation for the fees I have been charged, since I thought this amt was still in my acct.

I am not giving up the right to pursue a lawsuit against this company. No one should be subjected to this kind of larceny when they allow a company access to their personal acct.

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 received an email requesting that I call Citibank. I responded immediately saying that I wished for all correspondence to be in writing regarding this complaint and I have not heard from them in a week. Today is March **, 2015. They have not returned the $300 to my checking account that they falsely claimed was an over the phone ACH processed by me. The chat that I included in my original complaint shows their representative admitting that I was a few days late and their collection department went into my account and took the random amount of $300, which was not the amount I owed. They DID NOT send me an email stating that they had taken this amount or snail mail stating this. I found out when my account went into arrears. Please proceed with this complaint.

Consumer

Response:

Citibank has written in response to this complaint stating that I set the ACH for $300 on February [redacted], which is physically IMPOSSIBLE. I direct Children's Theatre. I had shows from 7am to 10pm on that date. They illegally went into my account, as you can see by the response in the CHAT with their representative. She stated that their "collection department" went into my account and authorized $300. I continue to state that, "I DID NOT AUTHORIZE THIS TRANSACTION" and it cost me $50 in fees. I will NOT pay one cent more on my account until this is resolved.

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 received an offer in the mail for no interest for 18mos on +-$1200.I charged the $1200+- worth of building materials in June 2014 based on that advertisement. monthly statement has charged interest every month since then. I called corporate offices, they said 5% discount was given at time of sale and you can either have 5% or no interest. I explained that I did not ask for 5% and was not told that at the time, and I would rather have the no interest, even if they had to add back the 5%. They said call local store. I did, the manager was nice, said they could honor the no interest and the 5% off, but still the statement shows interest charges.I have written corporate 2 times asking for a written response. someone called once but I had already spoken to corporate office and local store and did not want to speak about it anymore.still have not received written response. I do not intend to pay the interest charges under any circumstances. I need to know the balance without any interest. It would take me awhile to look up the original purchase and subtract my payments to insure that no interest would be charged. I will keep the account open if they will honor the original no interest offer. thanks for any help[redacted] account #[redacted]

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

tell me the balance now without interest and I can pay it off.my statement says $384.50 balance. I suspect the true amount owed is around $100, but again it would take time for me to get the final amount owed. If they cannot provide an answer, I will pay what I calculate the balance to be, close the account and that will be thefinal resolution.

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 will respond directly to the customer within the next 7-10 business days. [redacted]Executive Response