Citi

Review: Made a purchase of closet organizing materials. Checked out with billing promotion of 6 months 0% interest, also presented Lowe's card for additional 5% discount, and was accepted by cashier. Bill is received in the mail with short payment time frame (less than 1 week) and bill did not reflect promotional billing terms. Previously bill due date had been changed - representative claims that it was by request however request for change had never been made. Full payment was required to avoid interest charges and despite short term bill receipt late payment charge was not reversed.

Product_Or_Service: Closet organizer suppliesDesired Settlement: DesiredSettlementID: No settlement requested - for

I have paid my bill and late fee, I would like specific clarification as to why promotions and credits are not consistent from location to location and why I did not qualify for the promotional billing time frame. A late fee reversal would be appreciated because I had to pay the full balance before previously expected. With the aggravation, although Home Depot has previously been my preference over Lowe's for home improvement materials, it pr

Business

Response:

We will respond directly to the customer within the next 7-10 business days. If you would like to further discuss the resolution, we suggest you contact them directly.

Review: I have been a customer with Citibank for 15 years; I have no late payments on my credit with them during that time. I am currently purchasing a home and going through the mortgage process. On June * I underpaid my monthly minimum to Citi, paying only $80 on the $94.82 that was due June **. On June ** I wrote a check for the entire balance owed to Citi using one of those balance transfer checks from another lender, [redacted]. On July * Citi received notification that the funds were denied by [redacted]. I was not aware of this until I received a phone call from Citi on July ** asking for payment of the past balance due, specifically the $14.82 that had now become 30 days past due on July **. I responded that I would go to my banking website and remit the payment immediately, whgich I did and the payment of $100 to cover the mishap was processed on July ** bringing my account out of 30 days past due. I then made another payment of $80 a few days later to make the account current. Citi chose to report my account 30 days past due to the credit reporting agencies which has lowered my credit rating below qualification for my new home loan. I asked for forgiveness from Citi noting my history with the company and my precarious situation in attempting to secure home ownership for my family (a consideration that 2 different account managers told me was important to Citi's values). This was denied on account that they have a moral obligation to report the facts to the credit bureaus, if that is the case then why did they encourage me to seek the review. I can understand their narrow point of view, but I do not think their actions reflect better business practices, and I would request that they either treat me like a human and not a processing note by showing some compassion and rescinding the 30 day late judgement or that they have their accreditation with the Revdex.com revoked on the grounds that this is not the way a better business operates.Desired Settlement: I would like for them to remove the blemish from my credit, so I can purchase a home for my family.

Business

Response:

Dear [redacted]:

We recently received an inquiry on your behalf from the Revdex.com regarding the manner in which the above-referenced account is appearing on your credit bureau reports.

Our records do not reflect we have reported any negative information to the credit reporting agencies regarding this account as of the date of this letter. Your $60.00 payment received on June *, 2013 did not satisfy your $94.38 minimum payment due by June **, 2013, which caused your account to reflect on our records as past due. A second incident of delinquency occurred when the $4,033,60 payment, received on July *, 2013, was returned unpaid by your financial institution, causing your minimum payment due by July **, 2013 to be past due as well.

I appreciate this opportunity to respond to your inquiry.

Sincerely,

Presidential Communications

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:

To Citibank:

Please review your phone records for the calls I have placed to Citi over the past month. They will indicate that I have been lied to regarding the state of my account and that I have been put through some undue headaches and heartaches as Citi has possibly prevented my purchasing of a home for my family. I have attached a letter received from Citi two weeks ago indicating that they did in fact report to the credit bureaus, and this triggered my credit score to drop below borrowing capacity for most banks; it also triggered a review by [redacted] which in turn cut my available credit which also lowered my credit score.

While I believe the situation is resolved to the point that it can be, and I seek no further recourse; I would appreciate an apology for the rude way in which I, a 15 year customer with good standing, have been treated and for the mental and fiscal hardships that I have incurred as a result.

Sincerely,

Review: I have had a [redacted] plus for years.This is about a [redacted] credit card account issued by Citicard.I was buying some things in [redacted] in November 2013 when the cashier asked me if I wanted a [redacted] card- I gave them the information- my name , phone numbers, email address and both my physical address as well as my mailing address - which are different. I do not receive USPS at my physical address but at my Postal Box . This has been this way since 2000.I was approved so I charged the purchases. Within a month I bought tires at [redacted]- I went to pay for them, I did not have the new account credit card and the clerk found them and used the account for the tires. I asked them why I did not receive the plastic card yet and they did not know why. It had not been a month yet on other first purchase so I did not think too much about not getting a monthly statement yet. The clerk had confirmed all my information correctly when she asked me for the credit card account to purchase the tires. She said she could not give me the account number for the account when I asked.Over the next few months I went to [redacted] to get the credit card account number etc so I could pay the account. I went into one blind alley after another - all the clerks saying they could give me the information I asked for - my credit card account number.I went to China.When I returned from China( after having paid all my other accounts while away), I looked at my credit score and it had plummeted 70 points, due to [redacted] account - it said 150 days delinquent account closed. I could not get my credit card account completely from the credit report as the last four numbers were omitted. This was approximately June ** 2014.I called a [redacted] number and began a long conversation with someone there. They immediately negated all finance charges, and late fees and penalities from my account. They also could not give me my account number. They ascertained that my billing had been mailed to my physical address and returned. This was why the account was closed. They asked if my address I gave was correct. Had I given the correct information- I replied I have received mail at only the mailing address for 154 years - yes I know my address.So we got around to the fact that they had screwed up on the mailing address. I made a payment - a minmum payment- not the minimum payment they wanted - what I wanted as I said they had this wrong for so long. I have made a monthly payment on the [redacted] of each month ever since this day that things corrected and going. It took almost a month to get the first paper billing received by me - I had to make one more phone call since then for that to happen.I wish to make clear the obvious here. No one from [redacted] or Citicard. had ever in the time since starting this account - 6 months ever called me - or emailed me. They had that information too - clearly.To bring this to the current- I have talked to many people - restating this story.On the [redacted] of August I made another on time payment- a monthly payment. Approximately 3 or 4 days later I received another phone call from them - as if I had not made that payment. I asked why- and they identified they had received that payment - they were calling for more due to the old balance. we went through all the information again. Somewhat under duress I agreed to make monthly payments now on the [redacted] of each month to retire this balance - they said ok.Almost immediately the continued phone calls began. They are now calling me up to 5 times per day. I considered this not only wrong in view of what has transpired and has been their error, but harassment.The other day I received a letter from my [redacted] Plus account stating they were reducing my credit line due to late payments. The late payments and the only late payment is the [redacted] card I have cited above. Again the error caused by Citi.I went to the [redacted] and filled out the dispute item form four times - for whatever reason it did not take the infoDesired Settlement: DesiredSettlementID: Other (requires explanation)

I am asking for help.First I would like the phone calls to stop. Next I would kindly ask for assistance in redeeming my credit score by you contacting Citi and having them reinstate my account and credit. Then have them change my credit profile.

Business

Response:

Good Day All,

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

Regards,

Consumer

Response:

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

Sincerely,

Review: After nearly paying a debt from over $5000 almost completely off, they added almost $2,000 dollars in interest charges. This was for major home appliances to replace broken ones. These were not fun or optional purchases. This is a predatory lending practice meant to crush hard working people. I have had an account with [redacted] for over twenty years. In recent years, their services have declined. We were about to pay off the account when it was over double what the balance was before! I have asked for it to be removed over and over again. They have refused.Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like the predatory interest charges removed from my account.

Business

Response:

Dear [redacted]:

We have received your recent inquiry from the Revdex.com of New York regarding the above referenced [redacted] Card account issued by Citibank, N.A. We appreciate your patience while we reviewed the matter.

We certainly understand your concern regarding the deferred interest that was billed to your account on the May 2013 statement. Our records indicate that you made a $5,590.00 purchase on April **, 2011, that was on a 24-month deferred interest with payments promotion. The expiration date was May *, 2013. You did not payoff the promotion by the expiration date and $1,858.87 in interest charges billed on the May 2013 statement. We have enclosed copies of the February-July 2013 statements for you to review, which clearly states that the promotional balance must be paid off by May *, 2013, to avoid the deferred interest charge. Based on this information we believe the balance is valid and owed. The last payment of $206.00 posted on March **, 2013.

The account has now become seriously past due. Please contact our Collection Department at ###-###-#### to discuss possible payment options. Their telecommunications number for our hearing-impaired customers is ###-###-####.

Thank you for allowing us the opportunity to respond to your concerns. If you should have additional questions, please do not hesitate to contact us at the telephone number listed below. Our office hours are Monday through Thursday from 9 a.m. until 6 p.m., and Friday from 9 a.m. until 5 p.m., ET. Our telecommunication number for our hearing-impaired customers is ###-###-####.

Sincerely,

Presidential Communications

###-###-####

Review: [redacted] the suppose to be manager is rude and very unprofessional. When you call to get information on your account she will tell lies and hang up. [redacted] and ALL of the associates are very unprofessional, ever since our information got sold to their company from [redacted] funding in [redacted] Texas which they have been participating in fraudulent activites. We did not know that they had control over our contract for our car. [redacted] won't tell us anything, she took our payment and claimed she would return it back to us because of my so called attitude. She said she DONT want our payment and supposedly sent out a repo. We called to see if the payment has been returned so they can come get this car and won't nobody tell us anything one minute the account is locked then she not there or they simply won't answer the phone. We asked for the corporate office number or for her boss to resolve this issue but they are a fraud business and they are no bank. They give you the run around and don't have no sense of how to run a business or talk to their customers properly. We will take legal action against [redacted]Desired Settlement: We want a refund of our money like [redacted] said and she can come get this car that [redacted] sold to us and sold our information without us knowing and taking our money and not sending it in to the finance company.they both are a fraud and participate in fraudulent business. They filed a fraud insurance claim on our car which we didn't know anything about. We paid thousands of dollars on this car and we want our money back. It's simple, don't ever do business with them they tell you that yo

Business

Response:

Re: [redacted],

Complaint ID#:[redacted]

Dear [redacted]

We are in receipt of your correspondence dated July **, 2013 in reference to [redacted] and we appreciate this opportunity to address your concerns. We have had an opportunity to research the issues raised and offer the following response.

I have been unable to locate any account in the name of [redacted] with the information provided. Please supply the 15 digit OneMain Financial account number, [redacted] social security number or a copy of his monthly billing statement. If [redacted] is not the primary borrower, we would ask for the primary borrower's social security number as OneMain Financial Services tracks accounts by the primary borrower's social security number or full account number. This will allow me to locate the proper servicing location for [redacted] account so that we may provide all information requested. You may forward the necessary information to me at the address listed above or by facsimile to ###-###-####.

Should you have questions regarding this letter, please feel free to contact me directly at

###-###-####.

Sincerely,

Resolution Specialist

Executive Response Unit

Review: I was signed up for online statements without ever selecting it. When I realized I wasn't receiving my statements through the mail, I called to find out that there were two late fees assessed to my account and that my payments were considered to be late. The girl proceeded to say (which conversation was being recorded) that I had signed up for on-line statements, which I did not sign up for, and also they didn't have my right e-mail address to send me the on-line statements. While on this call, they removed one late fee and I paid the remaining balance over the phone, I was informed that they would not be reporting the one late charge to the credit bureau, this I was assured multiple times. I thought the issue was resolved, until I applied for a mortgage and they informed me that I had a low credit score due to a late fee, I called the number on my credit card (###-###-####) to try to resolve this one more time. A supervisor had listened to the recorded message from my first phone call to confirm that I was told the late fee would not be reported, and they sent in a request to remove the mark on my credit score which was denied. I then called again, and they told me that there's nothing they can do.Desired Settlement: I feel I was denied my due process with this matter. There is a recording that a supervisor had listened to that the girl had confirmed that no late fee would be reported. I would like the mark removed from my credit score as I am trying to purchase a home and it has had a detrimental effect on my credit score.

Thank you.

Business

Response:

We are responding to our customer via [redacted] on October *, 2015. The customer should receive our response in 7-10 business days.If the customer would like to share this information they can provide a copy of our response to the Revdex.com.

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]First of all, I was told by a representative of Citi that my credit record would not be affected..there is a recording of the lady telling me that. Maybe someone should listen to that recording! Next, my e-mail address which was being used was incorrect, because I wasn't receiving hard copies of statements, I didn't know the e-mail address being used was incorrect. It's hard to correct something like that if I'm not receiving the e-mails, or the hard copies of the bills for that matter.I am very disappointed that Citi isn't willing to work with me on this. I feel this is something that was beyond my control under the circumstances.

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:Thank you for nothing, Your business sucks balls. Citi bank and [redacted] will never get any business from me. it is clear that your company will not stand by what they say. There is a special place for people like you and your company, I fell sorry for you.

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

Sincerely,

Business

Response:

As stated in our letter we will no longer respond to inquiries regarding this matter.

Review: [redacted] mailed me my credit card and will not let me activate my card or account access to pay my bill. They state fraud on on a brand new account.

[redacted] mailed me my credit card and will not let me activate my card or account access to pay my bill. They state fraud on on a brand new account. They mailed me a brand new card and will not allow me online access to pay my bill. They want me to write a letter and this might cause my payment to be late. They seem to want to put me through hurdles to miss a payment and then charge me interest.Desired Settlement: Allow me online account access without sending in a letter which might get lost and cause my account to be late.

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 called Citibank about an issue with my statement on Oct. **, 2014. They informed me that because I paid the entirety of my bill for the previous month one day late I was charged the $35 late fee and subsequent interest. Another month had gone by without my noticing because I didn't get the statement and another late fee and interest. So I owed $70+ due to a one day late payment. So when I called, the clearly not American answering informed me that they could take away one of the late fees but I would need to pay the remainder. After minutes of asking her why, and her responding with the same script over and over, she asked if I wanted to pay at that moment. I did not; she said that once I paid, they would take care of the remainder. Today, January **, 2015, I call back after receiving phone calls. Supposedly, the rest of the balance was not taken care of as desribed and now I owe $140+. Again, they "graciously" said they could remove one of the late fees. I asked the (again) clearly not American lady if they could bring up the recording of the previous phone call. Of course, though they say the calls are monitered and recorded, there was no recording of the other phone call. The exact same script was prompted to me with no tone at all. I asked for the superviser. An "Escalation Team Member" then got on the phone. Now, escalation, in my mind, means that we have taken it to another level, but apparently to Citibank this just means a condescending woman telling you the exact same thing in a nicer and yet more rude tone. She told me that I needed to call back to confirm my payment in order to have received the late fee removal. I told her that I was never told this. She explained that it was "Standard Procedure" and that it should have been said to me. I asked her if things ever deviated from the "Standard Procedure", she replied with "they shouldn't". I pressed the issue and finally was able to get her to say that things do not always follow the standard procedure. Moral of the story is that I was told to pay a certain amount, once I paid, I then "did not follow orders" and now am required to pay even more because of two oversights on this ludacris company that exploits its patrons and has absolutely no customer service skills whatsoever. [redacted] was a far superior company that treated its customers as people instead of cows with wallets as utters.Desired Settlement: I would like to have my balance reduced to $0 due to the fact that I have already appeased this non-American credit card company with an unwarranted payment and should not have to do it again

Business

Response:

We are responding directly to [redacted] by mail. He will receive our response within 7-10 business days. If you would like a copy of our response to [redacted], you will need to contact him directly.

Review: I am a cardholder of Citi Platinum Select / AAdvantage Visa Signature Card ending in [redacted]. This card has an annual fee of $95, which is billed ONCE A YEAR on anniversary date. My anniversary date is in June. On July *, 2014, I received a statement for billing period 05/**/14-07/**/14. The statement shows membership fee for Jul ** - Aug ** in the amount of $7.91. Every year in the past, Citibank charged $95 for the whole year's membership fee, so it was quite unusual that they charged the pro-rated amount of $7.91 this time. Anyway, per credit card terms and conditions, I can avoid paying membership fee by notifying them that I am closing my account within 30 days of the mailing or delivery date of the statement on which the fee is billed. I paid all other charges on the statement except this $7.91 membership fee on July **, 2014. On July **, 2014, I called Citibank to cancel the credit card with the reason that I did not want to pay the annual fee. The representative offered me a $95.00 statement credit if I make $1000 in purchases within 3 months on the account. I asked if I should pay the fee that I was charged now first and then get it credit back, and the answer was yes. Therefore, I paid $7.91 on the due date, July **, 2014.

On August *, 2014, I received a new statement. This statement shows membership fee $95 for Aug **-Jul **. I wrote email to ask why the fee is $95 instead of the difference between $95 and $7.91 that I have already paid, and ask if I should pay this $95 and then spend $1000 in 3 months to get $95 and $7.91 statement credit. They said no, a statement credit is $95 only. Since I agreed on paying NO membership fee, I requested Citibank give me a credit $7.91. They refused to credit me $7.91.

I was supposed to pay membership fee $95 on my anniversary date. Citibank chose not to bill me for one whole year from Jul **-Jun **, but instead billing me $7.91 for 1 month first and then $95 for another 1 year. I think this is not right.Desired Settlement: 1. I would like Citibank to refund me in the amount of $7.91.

2. For the offer of a $95.00 statement credit if I make $1000 in purchases within 3 months, I will be happy to take and follow through if they will still offer it to me. Otherwise I would like to close the account, and Citibank removes the $95 fee and sends me the final bill.

Business

Response:

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

Consumer

Response:

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

Thank you very much!

Sincerely,

Review: I call to ask about making, a payment.I talk to this guy on how ,& can I make a payment over the phone.he told me I could ,,,& we stop charging {15:00} dollar to make a payment. I ask him do I still have time to make a payment before the later told. He told me you have until the 14-of the month.he said you can use your debit card,,,so I ask if I could use my check book ,so I can have receipt......I started looking on me lab top ,to see if the money was taken out ,,,I look & look.I call back ,A few day late ,,I talk to a lady,,,I told her that wasn't my fault...she told me she would {wave} the late charge..I got my bill <7 it still on my bill.Desired Settlement: don't tell me one thing & do another

Business

Response:

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

Review: Citibank engaged in aggressive advertising to enroll Citi Gold customer with various promotional claim.

I was convinced to convert my existing account while promised getting the promotion credit.

I have confirmed with both physical teller and the online representative with the terms before I signed up.

4 months after I committed over 100,000 in deposit. Citibank now claimed I do not meet the criteria for the credit, for which I appealed twice with the customer service.

My main grievances are two folds:

1. the advertising language was intentionally vague. The requirement dictates 1) opening a NEW citi gold checking account OR 2) deposit to an EXISTING saving account. I met the requirement for 2), but Citibank uses 1) against me since I am a long time customer and my account is not new. (I converted from regular checking to gold checking in September 2015 as part of this complaint)

2. While I was fully aware that this promotional language is extremely vague, I took upon myself to confirm with multiple bankers before I signed up the service to ensure that I get what was advertised. After multiple phone calls and follow up, Citibank now officially negated what I had been communicated to over the past 4 months. I believe it's misleading and fraudulent. It is extremely aggressive bait and switch tactics.Desired Settlement: I wish to see my promised $600 sign-up credit. At minimum, I should be compensated for the 5 months' worth lost interest from the deposit I committed to Citibank, which was generating $100 a month in interest from another saving institution I bank with.

This is extremely disappointing episode after banking with Citi for over 10 years. I refuse to communicate with the "rewards dispute department" anymore. I got two exactly the same robotic letter after my appeals.

Consumer

Response:

At this time, my complaint, ID [redacted] regarding Citibank S.D. has been resolved.

(By clicking "OK", your complaint will be closed as Resolved.)

It seems that the bank deposited promotional bonus to my account (on feb [redacted]) after I reached out to you. Your presence has certainly resulted in a solution that I cannot achieve by myself.It would seem my problem is resolved althought I didnt recieve official communication from the bank. Thank you.Sincerely,[redacted]

Review: I have a pre-paid debit card from Citi that the company Nature's Sunshine uses to deposit money onto when I spend certain amounts on their website. $10.34 was deposited onto my card and I texted to find the balance one day prior to a purchase in a store, because businesses need the exact amount in order to use this card, and told the cashier the amount to key in. My card was declined. I knew the amount was correct so I just used my bank debit card and went about my day. The next time I tried using the card I texted to get the balance again... the amount was lower but I didn't think anything of it at the time. I told the store to punch in the amount, they did, and it was declined again. The next time I tried to use the card I texted to get the balance and it was down yet again. So this time I called Citi and they told me that both of those prior declined transactions were charged a 75 cent fee. I called them April [redacted] when I found that information out and in order to get my money back they said they had to escalate it to a higher department..... for $1.50???? Citi Bank can't even give me my $1.50? That's a lot of money to me and they had no right in charging me declined fees when I told the stores exactly what to charge to the card. All I want is my $1.50 back and to be able to use MY EARNED money. They told me to call back in 24-48 hours that day I called and I called back a week later and no progress was made on my request. I called back again in another week, no progress. I just now called and they said there has still been no progress even though it's been nearly a month. The man (who I could barely understand, yet again) told me he had to escalate it again and told me to call back in 24-48 hours. This is getting ridiculous. I'm so glad that Nature's Sunshine is now going to be direct depositing this money for me any time I make a purchase instead of dealing with Citi cards like this in the future.Desired Settlement: To be honest I don't even want the money back on the card because with my luck it will be declined again and I'll have to deal with Citi again. I just want $10.34 refunded to me as that's MY money I earned from Nature's Sunshine for making a purchase that month.

Business

Response:

[redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on May *, 2014 from [redacted] regarding declined transaction fees on a prepaid rewards 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.

After careful investigation and research, it was determined that Citi Prepaid Services did assess point of sale decline fees on March **, 2014, March **, 2014 and March

**, 2014 in accordance with the terms and conditions associated with this account. After speaking with [redacted] on May **, 2014 advising of the decline reason, Citi Prepaid Services reversed the three fees as a one-time customer courtesy.

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

Sincerely,

Review: In the 4th quarter of 2014, my credit score was impacted adversely due to a medical bill that was reporting adversely in error to the Credit Bureau. This bill was paid in full; however, the medical provider posted the payment to the wrong account which resulted in the error. During this same time, I made a significant large payment to Citibank. Within days of making the large payment, Citibank reduced my Credit Line from what was over $27k to my revolving balance amount. When I called about the reduction I was told it was due to my FICO. Between the medical bill and the CL reduction, my FICO decreased over 100 points. I researched the issue with the Credit Reporting Agencies and found the medical bill error. This was corrected on all three Credit Reporting Agencies by January 2015. My FICO then increased over 70 points. In April, I had contacted Citibank about restoring the line back to the original limit since the reduction had effected my score as well. I was told that they could not give me a reason why and I would have to wait until I received a letter. I requested to escalate the issue and was told that no one could take my call. This is unacceptable and it is a bank Regulation to provide a reason for adverse action. I am currently making over $160k a year with $12k in income through a rental property.I have been actively paying down my accounts in the past year. I think that this treatment is unfair and breaking the Regulations set forth. I wish to have my credit line restored to the original limit with no intention to use, only to improve my credit score. I am in the process of buying a home and this issue is preventing me from obtain the best avaliable option. I have paid my account on time since opening the account over 10 years ago and I have alway paid the fees associated. Please consider restoring the Credit Line and address the Regulation violation. Thank you!Desired Settlement: Original Credit Line Restored and apology

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]

They have not contacted me at all.

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.

Review: Citi Cards continues to send out late bills. When there is a holiday I either do not receive the bill or get the bill one day late. My bill is due on the [redacted] of each month. The month before they send it out on the cut off date say September [redacted], I received the bill on September [redacted], bill due on October [redacted]. Came this time, on time. No holiday involved. Last time cut off was August [redacted], they claim they sent the bill that day. September [redacted] called complained about bill. I did not receive the bill till September [redacted], the day after it was due. They are also charging my brother late fees with the bill coming a day late. This time they didn't bother to even send the bill. They are trying to hit people with late fees. If I didn't call and pay the bill and find out what the bill was I would have incurred a 35.00 late fee. They claim its' my post offices' fault. blame me. like last time. How come then the bill came in 4 days this month with no holiday? How come I paid the bill and they cashed within 5 days? I say its' either their post office or its' a holiday, because every time there is a holiday I get the same problem. When I send the bill payment it is never late. I think they are not sending the bills out when there is a holiday to purposely charge late fees to customers. They blame the post office. No, I'm sorry, we'll fix that. Then what, if I didn't call then hit me with late fees? I don't want this to happen ever again. It is not the post office. Mine or theirs, I really think they are trying to get money out of people who they can't get other fees from. Please settle this. Not fair. it's stealing. [redacted]Desired Settlement: DesiredSettlementID: Not applicable

I want them to fix this problem. I want them to be accountable for it. Next holiday I want my bill on time. One day or two not a few weeks later, not, no bill at all. I want them to do their job and send the bill out.

Business

Response:

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

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because There was no real response, only that they will reply to me directly. Which they have not done.

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

Sincerely,

Business

Response:

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

Review: Upon signing up for a CitiBank 'Thank you preferred' credit card, the current promotion promised that you will receive 20,000 bonus ThankYou Points after $1,500 in purchases are made with your card within 3 months of account opening. I spent more than $1,500 on qualifing purchases on my card within the alloted time period, but never recieved the Thankyou points that you can redeem on merchandise, flights, etc. I contacted Citi bank's customer service department two times, upon both times I was told that I needed to provide a piece of paper spelling out the promotion, even though the same exact promotion is still being offered. The customer service reps claim I am not entitled to that promotion, even though that is the single reason why I choose this credit card in the first place;,nor did I ever recieve a phone call back after asking them to investigate my claim.Desired Settlement: I would like to recieve the 20,000 ThankYou points I was told I would recieve upon completing the promotion. Extra compensation for my time and headache is also justified.

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 opened a Citi Preferred Thank you card after I received an offer in the mail promising 0% APR for the first 15 months as well as 20,000 bonus thank you points if $1,500 was spent within the first 3 months. I received the APR promise advertised, but not the bonus points. Everyone I have talked to at Citi says this offer is not on my account. The whole reason I opened the account was because of this offer. I spoke with 2 [redacted]s who gave me different responses. The first [redacted] said he would need proof of the offer from what I received in the mail months ago, which I no longer have. Then the next [redacted] told me they could start an investigation that could take up to 30 days. I threatened to close my account for false advertisement, and both [redacted]s said they would gladly close my account for me. Also, the second [redacted] got an attitude with me, and said, "what did expect calling back? That we would just honor what you are saying?" I am upset with the poor customer service that I have received while trying to figure out how this mistake occurred.Desired Settlement: I would like the offer as promised of 20,000 bonus points after spending $1,500 within the first 3 months.

Business

Response:

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

Review: I called to try and negotiate a lower payment that I could afford. I was told nothing was available because my account is current.

I called on 11/**/14 at 2:03pm mtn time, to phone number ###-###-#### and was transferred to this office to talk to a customer service agent. I explained that my wifes contract job will be running out December **,2015 and that 80% of our income would be gone and that she is looking for a job but our income still will be low and hard to make the payment. The customer service agent looked at my account and said that since it is up to date they could not do anything to lower the payment. I brought up the fact that we had previously been on a lower payment plan and that it seemed to have ended and wanted to see if we could re-enroll. The lady told me that the plan was no longer available. I asked to talk to a supervisor, she said that she would transfer me. I spoke to the [redacted] and was told that unless the account goes into default their is nothing that can be done. Last year I was told to skip a payment and then call back for a payment plan. It was a major headache and had collection calls demanding money. It ended up taking multiple phone calls to sort out that mess and damaged my credit in the mean time. I am trying to prevent the default deal and arrange something now before we lose our big chunk of income. It shouldn't take going into default to make this happen.Desired Settlement: I would like a payment plan that allows our payment to go back to the 252.00 that it was at on the original plan and has a lower overall interest portion of the payment. We don't use the card and just want a payment that we can manage and pay when we lose the income. We have not missed a single payment since the company told us to skip a payment.

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 unsatisfactory to me and the matter has been resolved. The company offered me a payment plan that will significantly impact my home financial situation. They neither offered alternative arrangements nor lessened the payment. I accepted the payment plan with the intention of paying off my balance and discontinuing business with citibank. I hope their file will be noted for refusal to work within a customers financial means and general uncaring attitude despite 10 years of business together. Thank you for your assistance in this matter.

Sincerely,

Review: I have filed an affidavit twice for a fraudulent check that someone cashed. Someone stole my check book and successfully cashed a check. I was told both times to fax it to Citibank's fraud department. The first time I did it on my own. The second time I went to a Citibank Branch at this address:

I am currently mailing the affidavit again. I was told on the phone today that Citibank's fraud dept fax system has been down since last July. I am amazed that they did not tell me this sooner and feel like they are ignoring my claim. I also feel like they are not living up to their promises of fraud protection.Desired Settlement: I want Citibank to investigate my claim for a check for $1000 that was made payable to a Christian K[redacted]. It is likely a fictitious name, but I have never met this person and want Citibank to recover the $1000 that rightfully belongs to me. I want them to assign me a case manager and keep in contact with me as they conduct the investigation.

Review: I called this company to get the pay-off amount for a loan I had with them. The agent gave the amount and I immediately sent a check. About three weeks later I received a bill for $2.01. I asked them why I was being billed when I closed the account within the billing cycle and, should not have been charged interest for another billing cycle. The agent said I was being placed on hold. I was immediately ejected from the telephone system and had to call back again. I called a second time and explained my issue to a new agent. I was told I must have been given an incorrect number and now I was receiving the correct information from her. Except now the amount was $2.01. I asked to speak to a supervisor. I was placed on hold and once again ejected from the system. I called once again. I once again was told I owed $2.02. I asked to have the small balance written off. After a small argument from the agent I told her I was going to report this to the Revdex.com. It does not sound like a lot of money, but if One Main Financial does this to every customer the dollar amounts would be unreal. I believe this is an unscrupulous company.

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

1. I think the business should be further investigated to find out if what they are doing is legal.2. I want a letter from them stating that my account is paid in full.

Business

Response:

Dear [redacted]:

We are in receipt of your letter, dated December *, 2013, regarding [redacted] and [redacted]'s OneMain Financial account and we appreciate this opportunity to address their concerns. We have had an opportunity to research the issues raised and ofter the following response.

First and foremost, we appreciate [redacted] bringing this matter to our attention. Whlle we continually strive to provide a superior level of service to all our customers, we truly regret this Incident and apologize for any inconvenience that It may have caused him.

Our records indicate that [redacted] and [redacted] originated a personal loan with CitiFinancial's Peabody, [redacted] branch office with a principal amount of $8,527.43 and an interest rate of 21.99%. This loan was repayable in 60 monthly installments consisting of an Initial payment of $251.09 followed by 59 payments of $235.47 each and assigned account number [redacted]. Please be advised that as of July *, 2011, their loan is now owned and serviced by OneMain Financial.

Upon the closing of the Peabody branch office,[redacted] and [redacted]'s loan was transferred to OneMain Financial's Centralized Servicing Center on June **, 2012 and assigned a new account number, [redacted].

I have confirmed that a payment of $215.18 was processed on November **, 2013. This amount represented the remaining principal balance per the November due dated statement. However, it was not the amount required to pay the account in full as Interest, In the amount of $2.01 had accrued on the remaining balance from October **, 2013, the date of the prior payment. Our records further indicate that at no time did [redacted] or [redacted]. [redacted] contact OneMain Financial Centralized Servicing Center to request a payoff quote. Therefore, [redacted]'s November **, 2013 payment was applied as a regular payment, resulting in the accrued Interest of $2.01 being collected, leaving a remaining principal balance of $2.01.

[redacted] contacted OneMain Financial's CARE Department on December *, 2013 and at that time, the accrued interest was explained.As a one time courtesy, OneMain Financial credited the remaining balance of $2.01and [redacted]'s account is now paid In full with a $0.00 balance.

Again, on behalf of OneMain Financial,we would like to extend our sincere apologies to [redacted] and [redacted]. Should you, [redacted] or [redacted] have any additional questions or comments regarding this correspondence, please contact me directly at ###-###-####.

Sincerely,

Review: My name is [redacted] and I have been a [redacted] card holder for over 6 years now and have purchased thousands of dollars at [redacted]. Just recently (Labor Day 2014) I went to the [redacted] store in Florida to purchase a new TV. After a while of viewing several televisions with two employees, I was stuck between 2. One was more expensive than the other which actually exceeded my credit limit of $1200. I expressed my concerns about the price and my credit limit, the employees obviously inclined for the most expensive and advised me to attempt to swipe my [redacted] card and if the transaction went through it meant [redacted] had increased my credit limit automatically. The purchase went through but it was only just a few days ago that I received an alert on my credit report, [redacted] has reported me over the limit and it has impacted me negatively. I was in process of refinancing my car when my credit score dropped several points because of this. I called customer service and explained what happened and was only offered an apology and a "there's nothing we can do besides pulling a hard credit pull for a possible credit increase which would obviously affect my credit even more". I was lied to and mislead about the supposed automatic credit increase (I am not a credit expert nor do I know [redacted] credit card policies, I believed the employees). The employees were deceptive by guiding me to go through with the purchase at all costs even though it impacted me in a negative manner and withholding that information from me. I need this matter handled as soon as possible without affecting me more than it already has. I had always thought highly of [redacted] and even recommended it to many friends and family members but unfortunately after this experience with the employees and customer service I can honestly say I will never nor recommend [redacted] to others or make any future purchases.Desired Settlement: Have my credit limit increased to the amount of the purchase without pulling my credit and remove all negative credit bureau reporting that was reported by [redacted] since September

Business

Response:

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

Consumer

Response:

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

[Your Answer Here]

The business did make a one time contact advising me that my case was being worked on and I was told that I would receive a follow up call within the next couple of days of which I have yet to receive

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

Sincerely,

Business

Response:

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

[Your Answer Here]

I received a letter from Citi financial indicating that my petition to increase my credit limit to the amount of the purchase without having my credit pulled was denied, now with that being said I was misled by the employees to believe that it was automatically increased and the truth is the account is being reported over the limit in a negative manner every month towards my credit reporting. as a customer I feel that [redacted] is not honoring my business not only by the employees who sold neither merchandise but also by the executive response unit that responded to my petition. I reject the business response

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

Sincerely,