Citi

Review: My wife [redacted] (main account holder of [redacted] Citi Credit Card) and I were acknowledge during today's date 01/**/2016 by Citibank collection department that we have a past due debt since October *, 2015 because of a late payment which was processed by them on 10/**/2015 two days after its due date. No previous notification neither by phone or mail that a late payment was received, not giving us the opportunity to take the necessary action to avoid marks on our credit reports because of this or at least allows to explain reasons. Payment history can reveal no late payment were received never before. The situation that initiated this it was because my wife originated a loan to consolidate debts at the end of 09/2015, the loan processing time plus the time took the mail to delivered the check caused all this mess. We contacted the customer service line and they do not want to get to a reasonable agreement. If we have to pay any late charge even if we believe non of this is our fault, its ok but they are causing us a hardship in our credit that I recently repaired and even worse my wife has never any mark on her credit and know is affecting our lending ability. Our lifestyle its very demanding and time consuming and we do not want to incur more efforts either in time and economically.Desired Settlement: The correction of our credit reports marks and the removal of charges out of our control.

Business

Response:

Thank you for your communication regarding the customer's account. Due to privacy concerns we are unable to release customer information to the Revdex.com. We will respond directly to the customer via [redacted] 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 have determined that my complaint has NOT been resolved because:

[I am not asking for a contact letter. I am asking for someone who personally have the authority to resolve my dispute]

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

Sincerely,

Business

Response:

We are in the process of responding to the primary cardholder in regards to this complaint.

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: 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: [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: 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: 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 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,

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: 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: 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: I was contacted by [redacted] of Citibank's Office of the [redacted] and [redacted] (she reports to [redacted]). I previously file a complaint in the begining of the month about my Credit Line being reduced due to a medical bill reported incorrectly to the Credit Bureau. I was not aware that my line was reduced until I reviewed my monthly billing statement and then started the Credit Bureau dispute process. Upon speaking with [redacted] today, she indicated that I only had 60 days per policy to contact them about the inaccurate information on my credit file. I was not aware of this since I have no recieved any communication from them about by Credit Line being reduced. The reducution caused by [redacted] to be reduced significantly and now I am 3 points shy of qualifying for a mortgage because of this issue. The medical bill has sense been removed from the file. I am asking for Citibank to do one of the following:

-Restore the credit line to the original limit without pulling additional inquiries

or

-Remove the tradeline from the Credit File

This is very upsetting that this happened and now is impacting me from obtaining a home after I have saved $25k to put down. I making over $160k a year and have additional income outside my salary. Please consider my preferred resolution in order to allow me to obtain a new home. Thank you!Desired Settlement: I was contacted by [redacted] of Citibank's Office of the [redacted] and [redacted] (she reports to [redacted]). I previously file a complaint in the begining of the month about my Credit Line being reduced due to a medical bill reported incorrectly to the Credit Bureau. I was not aware that my line was reduced until I reviewed my monthly billing statement and then started the Credit Bureau dispute process. Upon speaking with [redacted] today, she indicated that I only had 60 days per policy to contact them about the inaccurate information on my credit file. I was not aware of this since I have no recieved any communication from them about by Credit Line being reduced. The reducution caused by [redacted] to be reduced significantly and now I am 3 points shy of qualifying for a mortgage because of this issue. The medical bill has sense been removed from the file. I am asking for Citibank to do one of the following:

-Restore the credit line to the original limit without pulling additional inquiries

or

-Remove the tradeline from the Credit File

This is very upsetting that this happened and now is impacting me from obtaining a home after I have saved $25k to put down. I making over $160k a year and have additional income outside my salary. Please consider my preferred resolution in order to allow me to obtain a new home. Thank you!

Business

Response:

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

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: Citibank best buy credit card member id [redacted] name is on the card

payments made on 7/*/2015 amount 150 6/*/2015 amount paid 100 4/**/2015 400 payment made today 8/*2015 223.38 with remaining balance left on the account of 25 dollars

my due date is the [redacted] of each month and each month I have requested my due date to change and each time I make a payment they change say they have sent the request to change the due date and they reverse the late fee.

and every month nothing has changed. the above is the payment schedule. I have spoken to Justin from [redacted] and asked again to change the date and why wasn't my due date changed and he informed me that it was not noted on the notes for the change to occur. I then requested to speak to a supervisor ted ([redacted] ) and have explained the situation I cannot be faulted for non notation of the account and he needs to reverse this charge. I have requested changes multiple times and nothing happens. This is not my error it is there's and I should not be held responsible for their error. today 8/*/2015 I paid the account in its entirety minus the 25dollar late fee which I am not paying. I cannot control what is notated on there side and my request can only be traced via my dates that I make my payments. Any fool can see that if I pay faithfully on the * to the [redacted] with the reversal in late fees can use inference to deduce that the probability of me changing my due date is greater if it was once or twice I can understand but on every single payment. I have asked for a due date change every time I call to make a payment and keep being told it takes one to 2 business cycles but to not have my account reflect any changes because there is no notes when I have asked on the phone every time I call to make a paymentDesired Settlement: reverse that late fee the account is now paid and full in its entirety

Business

Response:

We responded to the customer on August *, 2015. The customer should allow 7-10 days to receive our written response. Should the customer have additional questions or concerns, they can direct those to the address listed in our response.

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 have not responded to me neither via phone mail or text. This is the only notification I have received. I have not spoken to anyone on August [redacted] about this matter Who did they speak to and by which correspondence median did they use to communicate their response to me?

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

Sincerely,

Business

Response:

Our correspondence to [redacted] was sent via [redacted] Mail and mailed on August [redacted]. We ask he allow 7-10 business days to receive this correspondence.

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: 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: 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: I bought a TV with a CITI [redacted] credit. I paid more than minimum each month with no intrest. I was told at [redacted] that I would pay intrest left over, but they have charged me back intrest. I would have paid the TV off if I had known they where going to sneak about $1,000 in charges back on top.Desired Settlement: I would like to pay off the remaining original amount, which should only be about $245. I have not made a payment since they have been adding on top. My balance now shows $1,415. I want to pay my original balance and have my good credit restored.

Business

Response:

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

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: Due to the bank's decision to close all branches in the area where I live and the fact the bank has decided to start charging me a fee to keep the same checking/savings account I have had with Citi for almost 10 years; I have decided to close out my checking and savings account and also 2 credit cards I had with this institution as I started to transition my financials to another bank with presence in the area and without monthly fees. I have notified the bank in writing and corresponded with representatives confirming he account was closed out however I was charged usd 25.00 once again generating a negative balance on my account.Desired Settlement: The charge has to be eliminated, bank needs to ensure this will not affect my credit history and I need to receive written confirmation for both the resolution and the closing of my savings and checking accounts.

Business

Response:

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

Review: 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.