Citi

Review: We cancelled this account after paying it off completely in February, 2013. We were very specific that the account be closed and that no further charges to this account were authorized. We received the usual interview regarding our reasons for closing the account, etc. A couple of months later, we received a late notice for payment. The account had paid some very small internet charges that we had missed changing the billing information on. I called the card company and they said that they had no record of us closing the account. I told them that we had paid it to zero and had most definitely closed it. I told them I would pay the small internet charges, but not any other charges including late charges since after we had closed the account, we had destroyed the cards and had stopped monitoring the account online and had not received any bills. They refused to reverse the late fees and also refused to close the account at that time and have been calling us and billing us each month while adding additional late fees on what was essentially an incorrectly charged late fee in the beginning. They claim an outstanding balance over $200 which is just late fees on late fees for an account that we had closed in February.Desired Settlement: I want them to acknowledge that our account was closed in February 2013 and to drop any fees that they mistakenly believe we owe. I want them to provide me with a letter stating a zero balance on the account and stating that the account is closed completely. I also want them to cease and desist calling us or sending us bills. I have sent them a letter to this effect as well.

Business

Response:

What kind of Citibank account is this complaint regarding.

Consumer

Response:

I have reviewed the question made by the business in reference to complaint ID [redacted], and the answer is: [redacted].

Sincerely,

Review: I am being harrassed by collection agencies....I had a charge card that was cancelled at the advice of a Citi card representative because I was wanting to cancel an automatic payment for health insurance (I cancelled the insurance ).....a lady named [redacted] said I could not cancel the auto charge, it would be easier to cancel the card, she said their was no balance on the card because I had already paid the payment and there would not be another charge on the card for at least another week....so I said cancel and she did. She said they would send me another card with a new account number in the mail and they did but I did not activate it, I cut it up and threw it in the garbage. The next month I get a bill on this new card for the auto payment on the cancelled card....this has been going on for 6 months....I have talked to many Citi card representatives, their billing people, collection companies and I have done everything that they have told me to inculding calling the insurance company and making sure that they did not get another payment after it was cancelled and they have assured me that they did not. I finally wrote a letter to the company on the advice of the last collection person I talked to because she said that was the only way to handle this. I feel that someone at Citi card has made the mistake and they are trying to make me pay for it. I always pay my bills on time, but if I dont owe something, I dont think I should have to pay for someone's mistake.Desired Settlement: To stop the letters, bills and phone calls and to remove any damage to my credit score, if any!

Business

Response:

Dear [redacted]:

This letter is to confirm our recent telephone conversation regarding the inquiry we received on your behalf from the New York Revdex.com related to the above-referenced account.

As you indicated you cancelled this insurance, your account will be credited for the $229.95 charge from [redacted] billed on February **, 2013, along with any related late fees and interest charges. Additionally, I have requested that the consumer reporting agencies remove the above-referenced account from your credit profile.

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

Sincerely,

Review: 20 yrs being loyal customer & always paying on time after paying my account off they cancelled it with out notice & took my 26995 reward points earned

all I would like is to redeem my reward points that I earned for sears gift cards that's a horrible way for them to do me after 20 yrs of loyal service always paid on time ALWAYS i'm a single mom of 3 girls and have a hard time making it and was hoping to redeem points for a gift card to go towards a ice boxDesired Settlement: 26995 reward points to redeem for sears gift cards

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 give you permission to to review my information with citi so you can review the account

Sincerely,

Review: To whom it may concern:

Thank you for taking the time to help me resolve this matter. My complaint regards two unauthorized hard credit pulls that Citi performed on my Dividend account. The two unauthorized pulls happened under identical circumstances on 11/**/2013 and on 10/**/2014. I have tried a number of times through phone calls and letters to resolve the matter with Citi or to at least receive a credible explanation for Citi's actions and have gotten nowhere.

On the above dates, I used the Account Management link on Citi's homepage to request a Credit Line Increase. The screen that came up both times used this exact language: "It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision.". On the same screen I entered the required information i.e. my wages and rent payment. At no point did Citi notify me that a hard credit inquiry would be made. In fact, I went so far as to ask customer care representatives using the chat system if there would be a hard credit pull and they said I would be notified and would have to authorize one. I therefore expected that Citi would notify me if they were going to require a hard pull to review my request but received no such notification.

Please note that I have used this link at least twice before to request a Credit Limit Increase and both times (once denied, once approved) there was no hard credit inquiry made. There was therefore no consistency with Citi's credit bureau actions so I took what was said on screen - that a credit bureau would not be requested - as the truth.

On checking my reports, Citi performed hard inquiries on Experian on 11/**/2013 and on Equifax on 10/**/2014.

1. I would like to know why those hard pulls were performed despite the fact that Citi very deliberately led me to believe that they would not be performed by saying on the CLI request page: "It is easy to qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision.".

2. I would like for both these credit pulls to be removed unless Citi can prove that I authorized them (which I did not because I had no idea they were going to be made) and unless Citi can prove that they notified me that they would be made because the only reason I went ahead to request the CLI was because Citi led me to believe a hard credit inquiry would not be made.

I tried both times to have Citi explain why they said a hard credit report would not be requested and why one was requested anyway and both times I have received generic responses saying it is something Citi does to review CLI requests. I mailed Citi a detailed complaint, much like this one (I would be glad to reproduce it if need be), where I even attached a picture of a the CLI screen (a screen shot) highlighting where exactly Citi said a credit bureau report would not be requested, and still I have received the same generic response, so I have now been forced to seek help outside myself.

I have truly enjoyed my relationship with Citi and outside these unauthorized pulls, have absolutely no complaint with all the other great services I have received on both my cards with them. I would hate to mar or lose my relationship with Citi because of what was clearly a miscommunication (and dare I say error) on Citi's part.

Sincerely.Desired Settlement: 1. I would like to know why those hard pulls were performed despite the fact that Citi very deliberately led me to believe that they would not be performed by saying on the CLI request page: "It is easy to qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision.".

2. I would like for both these credit pulls to be removed unless Citi can prove that I authorized them (which I did not because I had no idea they were going to be made) and unless Citi can prove that they notified me that they would be made because the only reason I went ahead to request the CLI was because Citi led me to believe a hard credit inquiry would not be made.

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.

Sincerely,

Review: Since September 2014 I have been disputing a payment that's has been payed but Citicard is stating they never received it. I have sent a copy of the check that was deposited in citicards bank by mail (with the envelope they provided me and by fax. I have good credit and I have done everything they have asked of me but they still won't credits account. The payment is for 104.32.

Product_Or_Service: Credit card

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

I want to be credited for the payment that was made. I supplied all documents that they requested.

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 have made multiple calls to The [redacted]s consumer credit card. My payments, which I have consistently paid for almost a year though my bank to The [redacted] credit card suddenly stopped being accepted by The [redacted] for July, August, September and Oct. I called to try and get it fixed and someone put in a trouble ticket. I also sent in a signed release that they could talk directly to my bank about any issues around the matter. I got a letter back asking for numbers that I am not sure what they are. This is why I sent in a signed release. So I am not stuck in the middle. I have no idea how the behind the scense process works and I shouldn't have to. I have a mark on my credit rating now becuase of this.

Product_Or_Service: Snow BlowerDesired Settlement: DesiredSettlementID: Other (requires explanation)

Locate what the problem wasRemove the extra charges off of my accountRemove the negtive report on my credit report

Business

Response:

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

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID[redacted], and find the first portion of the resolution is resolved. Yet, we are actively working and resolution of the second matter regarding the negative credit report.

Sincerely,

Review: I had a ring mounted with Zales at a cost of $1200.00. The sales associated told me to sign in three spots for a financing arrangement. She did not ask me if I wanted to purchase an insurance plan on this financial arrangement. However I was not interested in purchasing a plan. When I checked out my statement I realized City Bank was charging me fee's associated with a policy, I asked them to cancel it because I did not request this. City Bank canceled the policy that I did not order but they refuse to refund me all the money back. I asked them to show proof that I ordered this and when they sent me a copy of the agreement back that I signed it clearly showed two boxes to check one to check if I wanted the plan and one to check if I didnt want the plan. NO box was checked off but they still refuse to refund me my money which is $165.05 which includes interest being compounded.Desired Settlement: I have called many times about this and they refuse to refund and credit this amount owing on my account.

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:

[The amount offered $78.50 is NOT correct. The correct amount for a refund should now be $155.09 which includes accumulated interest up to current, November 2014. This is calculated as follows the amount I was being charged was $7.59 a month for a period of 14 months before it was known by me that I was being charged for something I did not request this equals $7.59 X14 months = 106.26 in addition I have been paying interest on this balance that was never taken off at a rate of 28.99 % which is $30.80 prorated per month equals $2.57 X 19 months (this includes interest for November 2014) = $48.83 + $106.26 = $155.09. Thankyou for your help in this matter which until now had left me very frustrated dealing with them trying to get this matter resolved.

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

Sincerely,

Business

Response:

Thank you for your communication regarding 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 within the next 7-10 business days.[redacted]Executive Response

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 August**, 2014, I used a Taxi service from [redacted] in [redacted]. Before the travel, I contacted the taxi company and they gave me a quote. The taxi fee was supposed to be $425.00. The taxi driver did not ask me to sign anything when we arrived the destination. However, on the same day, I was charged $570.00. I immediately contacted the taxi company and they said they were going to give me a refund but they never did. Then I filed a dispute in Citi Cards web site about this problem and Citi Cards investigated the issue. Apparently [redacted] sent a signed sales receipt to Citi Cards and Citi Cards closed the dispute. I reviewed the signed receipt and noticed that the sign is not mine. The receipt said “[redacted] was present at POS to AUTHORIZE, SWIPE, and SIGN for the total $570 charge.” But my initial is not even **. I immediately contacted Citi Cards but they refused to re-open the dispute. I want to request Citi Cards to give me a refund of $145.00.Desired Settlement: I want to request Citi Cards to give me a refund of $145.00.

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]. The business and I agree that this case is going to be opened until all of necessary actions are completed. I will inform Revdex.com when all actions are completed.

Sincerely,

Review: Despite several phone calls and visits to the [redacted] store where the customer service called [redacted] Credit Services to try and correct my incorrect billing - both amounts and dates due - the problem remains unsolved. I have been trying to resolve this since June of this year. Both myself and the employee at the [redacted] stored have called Credit Services and explained what the bill should be yet it arrives every month with different amounts and dates and incorrect changes. There should only be three amounts on my bill - one for materials and two for the 50/50 labor amount. With regard to the incorrect dates, all amounts should be due within an 18 month period (as stated on my contract) as per the promotion period advertised to which I responded and why I hired [redacted] to complete a bathroom renovation. I have copies of all my receipts, the bills and the original contract confirming an 18 month special financing but am not able to scan them.

Product_Or_Service: Bathroom Renovation

Order_Number: [redacted]

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

I would like [redacted] Credit Services to get the amounts correct as well as the start dates and recalculate the interest accordingly so I know the exact amount outstanding; at this time I do not and it is extremely frustrating. If the person handling this file would like the exact amounts according to my paperwork, please contact me. If this problem is not resolved I will file a formal complaint with the Ministry of Government and Consumer Ser

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 3/**/15 before 5 p.m. I tried to make a payment through the automated service . The recording said the system is down and to call back. I tried three more times with no luck. I then called back the next day and they said I was late even though I called three times the day before, thus I was hit with a $30.00 late fee for their service not working properly. My due date for this account was the 3/** before 5 p.m.

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

Just want late fee back.

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: [redacted] Credit Service charging interest on interest. I made a purchase on an offer for an 18 month at no interest. But while I was making set amount payments so that the account will paid in full by the term period, They were not applying the payments to the offer but rather to the newer purchases on the account When suddenly they added all the accumulated interest to my account. I called them and I was told that I needed to inform them where the money was to be applied. Since I did not they applied to the newer purchases. They totally disregarded the Frank Dodd Law and now they are charging 30.00 of interest each month on my account. I called 3 times since they began the charges but they said it was my fault for not informing them where I wanted the payments to be applied.

Product_Or_Service: Carpet/instalation

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

What is expectedThat they honor their 18 month offer and adjust my account back to apply all payments correctly to the 18 month offer and remove the added accumulated interest fees from my account. I am under a financial hardship but have never fail to send a payment to the account, and I will continue to pay for all other purchases and the account balance for those purchases as set under their credit terms.

Business

Response:

We have responded direclty to the customer and he will receive our response in 7-10 business days. If you would like a copy of the response we suggest you contact him 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: Made a purchase utilizing [redacted] Credit 24 month interest free promo. Was charged over $1800 in interest, payments were not applied as requested.

In November 2012, I purchased some carpeting using my [redacted] Credit Card that was offering a 24 Month No Interest promotion. I have also been a small business owner and operator in [redacted], [redacted] for over 32 years. We have used this card for our business and personal for over eight years. I sent in regular monthly payments ranging from $250.00 to $400.00 that enclosed a notation to apply the payments to the 24 Month No Interest promotional balance. In addition to my monthly payments to go against the promotional balance, the bookkeeper for my business sent in monthly payments to go toward the regular balance as well. I had to consistently call in to the credit services center to correct incorrect payment applications. When the promotion ended, I was charged $1818.38 in retroactive interest from the purchase date. I mailed a letter to [redacted] as I was told to do to resolve billing issues. I attached copies of the notes I enclosed with my check detailing payment application, monthly statements showing where I sent in a payment and my bookkeeper sent in payments but they denied my request to refund the interest charge. I was told by the [redacted] of operations that you have to call in every time you make a payment toward a promotional balance and tell them where to apply it or else they apply it to where they think it should go. I called the credit center over a three day period acting like a customer that needed to mail in a payment toward a promotional balance and asked how I should make promotional purchase payments and was told that I can make a note when I mail in my check. This is what I had done. The [redacted] in the disputes department told me that he had no authority to help me and that the payment center just enters the checks. He stated they don't look over notes on how to apply payments. I am upset and frustrated that [redacted] brushed me off in such a manner and lied to me to cover up their payment center not taking due care to apply customer payments as they are asked to. [redacted]'s consumer credit card is through CitiBank so I went through the booklet online concerning the stipulations of the [redacted] Credit Card. It doesn't say anywhere that you have to call to direct payment application. It only states that excess payments or payments above the minimum payment due are applied to the deferred interest promotions up until they expire. That means that when our business sent in payments and I sent in payments there were at least six to seven months where they received three payments in one month. I went back through our monthly statements and notated in the letter that I sent to [redacted] where they had just applied all payments to the regular balance. I had to call in on at least six different occasions when I noticed balance discrepancies in 2014. I almost knew this was going to happen and was grateful I kept such detailed records however that isn't doing much good when the supervisors and managers I speak to lie about company policy on payment applications. I also found a lawsuit filed against [redacted] in 2004 where they were sued over credit card promotions being deceptive. The lawsuit further states that consumers payments were mishandled and misapplied to deprive consumers of the true No Interest promotions. I'm very upset to see that this has happened in the past and is still occurring. I have tried to remedy this through [redacted], CitiBank and the proper channels, however, I am not being taken seriously. I want the retroactive interest charge of $1818.38 removed from my account balance immediately.Desired Settlement: I want the retroactive interest charge of $1818.38 removed or refunded to my account balance.

Business

Response:

We responded to the customer on April **, 2015. The customer should allow 7-10 days to receive our written response. If the customer would like to share this information they can provide a copy of our response to the Revdex.com.

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. [redacted] refunded all the retroactive interest and all late fees to my account. Thank you!

Sincerely,

Review: I signed a contract in the [redacted] store in [redacted] for 11.99%. Realizing after some time I was paying 28.99%.

Ive spoken with [redacted] hes repeatedly said hes taking care of it. After a couple months nothing has happened, my bill is still showing a 28.99% interest rate. This has been accruing for 6 months and I have not received any help from either party, credit center or [redacted].Desired Settlement: I would appreciate that my balanced would be refunded the extra money that Ive paid towards my principle. please help

Business

Response:

We have corresponded directly with our customer. They should receive our response within approximately 7-10 days. If the Revdex.com would like to further discuss the resolution, we suggest you contact him directly?

Business

Response:

We responded to the customer on 05/**/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 find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: Overpayment of $1500.00 on 4/**/15, promises to refund monies within 17 days. One month plus & still have not received $1500.00 from [redacted].

Overpayment of $1500.00 promised to be returned to me within 17 days, has been over one month and no refund yet. Multiple phone calls, live chats, secure emails to no avail.Desired Settlement: Refund of $1500.00 to me for overpayment on my behalf. Not seeking interest due me.

Business

Response:

We are responding directly to [redacted] and she will receive the response via U.S. mail in 7-10 days. If you have questions or would like a copy of the response we would ask that you contact [redacted] directly for that information.

Review: My husband applied for a store credit card on 2/**/15. We still have not received card and no one seems to know how to help us.

We were approved for their card on 2/**/15. To buy rings for our wedding on 4/*/15. We never received a card, twice they said they would re send one to us. We even went to the store and were told we cannot use our account number to purchase our wedding rings. After our wedding, and still no card, we decided to cancel the account that we can't even use. Their fraud department called to say we might ruin our credit score by canceling the account. So she talked us back into keeping the account. After another three weeks of not receiving the card we called to complain again. This time they offered to give us a temp cvv code to order our rings, when I went to place my order, they were out of our size. We called again to explain this and were told we would have to pay to get it re sized. After all this grief and still not receiving the credit card, and not having rings for our wedding day, we would still be forced to pay for a resizing? I've been told to email them at [redacted]. They were to reply within 2-3 business days. I've emailed twice, and it's been at least two weeks. I'm not giving them any business even if we do receive a card now. But is there anyway you can cancel our account without it ruining our credit score? This is not our fault, we can handle our open accounts. This is this corporation that didn't even give us a chance to handle an account. And at this point I am so disgusted with their customer service, I never want to give them a dime of my money. My emails go unanswered, my husbands phone calls go unresolved. I am hoping someone at the Revdex.com will be able to give me any kind of insight whatsoever. Thank you so much for taking your time to read this.Desired Settlement: I would like our account to be canceled without facing any repercussions on our end. If this is even possible. I'm out of options.

Business

Response:

We corresponded directly with our customer on July **, 2015. If you would like to further discuss the resolution, may we suggest you contact him 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: My CitiBusiness credit card had a transaction of $107.14 charged to it on 05/**/2015 from Microsoft. I did not authorize this charge, nor did I knowingly or willingly purchase the goods in question for the charge made to my account on 05/**/2015. My employment at the business for which the card was used ended on 05/**/2015.

The last transactions that I authorized and purchased were paid in full in February 2015, with no further transactions being made or authorized by myself from that point on.

I was unaware of this charge made on 05/**/2015 until I received a physical letter in the mail from CitiBank on 10/**/2015. I immediately contacted CitiBank on 10/**/2015 as soon as I was aware of the charge and the ongoing situation with my account.

After my first conversation with CitiBank on 10/**/2015, it was suggested by CitiBank that I contact Microsoft about the charge. I contacted Microsoft immediately and their response was that the charge could not be refunded unless the request came within 30 days of the purchase.

I did not personally make or approve the charge made to my account on 05[redacted]/2015, nor was I aware of it until 10/[redacted]2015, and I have not and will never receive any product or service from Microsoft for this charge.

CitiBank responded to my billing dispute by stating that my dispute was not made within 60 days so they declined my dispute. They did not offer any acknowledgement of how I was supposed to submit a dispute within 60 days for a transaction that I did not make or authorize, or was even aware of until 10/**/2015.

CitiBank has closed my account and sent the balance due to a collection agency, Pro Consulting Services, Inc.Desired Settlement: Credit all charges related to unauthorized transaction.

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 have been trying to get copies of statements ranging from Nov. 2005 to March 2006. I keep getting the run around but I haven't received these statements yet. I requested these for the first time over 2 years ago. I would appreciate some guidance in how to resolve this issue.Thank youDesired Settlement: DesiredSettlementID: Other (requires explanation) I would like to receive copies of the statements requested.

Business

Response:

Please forward to your [redacted] contact.

Business

Response:

RE: XXXX XXXX XXXX [redacted]

Dear [redacted]:

We have received an inquiry from the Revdex.com of New York regarding the above-referenced [redacted] MasterCard account, which is issued by Citibank, N.A. We wanted to take the time to personally respond to your letter as the service provided to our customers is of critical importance to us.

This letter is sent in regards to your additional concerns with your request for billings statements for the November 2005 through the March 2006 billing cycle. Unfortunately, the requested billing statements are no longer available. However, we were previously able to provide you with itemizations for the timeframe in question. The itemizations were enclosed in a correspondence dated December **, 2012, from this office. Please find the itemizations enclosed for your convenience. We regret any inconvenience you may have experienced.

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: Citifinancial is reported charges on my credit report. I have tried to call Citifinancial to dispute the charges. My credit report shows a charge of $9,788 from Citifinancial. I have tried to call Citifinancial to get more information about this charge. Citifinancial has a recorded message every single time I call saying that "You have called outside our normal business hours, call again later". I always get this message even in the middle of the day on a weekday when they are supposed to be open. I am trying to resolve this issue on my credit report. Citifinancial has not sent me any documentation verifying the charges and I cannot get a hold of someone at citifinancial to dispute the charges.Desired Settlement: I want this charge removed from my credit report. Citifinancial has failed to sunstantiate the charges and will not contact me to discuss the issues.

Business

Response:

Dear Dispute Resolution Services:

We are in receipt of your correspondence dated September *, 2013, regarding [redacted] CitiFinancial account and we appreciate this opportunity to address her concern. We have had an opportunity to research the issues raised and offer the following response.

Our records indicate that [redacted] obtained a personal loan with CitiFinancial's [redacted], Pennsylvania office on May ** ,2008,with a principal balance of $6,997.56 and was assigned account number [redacted]. Subsequently, [redacted] account was charged off and transferred to CitiFinancial's Centralized Recovery Center and assigned account number [redacted]. For your review, I have enclosed a copy of [redacted] Disclosure Statement, Note and Security Agreement.

Please note that a charge off is an accounting transaction used by a company to write off an apparently uncollectable debt. The charge off of a debt is reported to credit reporting agencies. However, charge off does not mean that the obligation/debt is paid off or forgiven . The borrower is still obligated for the repayment of the outstanding debt. Should [redacted] have any questions or want to make payment arrangements on her account, she may call our Centralized Recovery Center at ###-###-####. Please be advised that if there are no available lines, the recording will state that they are closed. However, we ask that [redacted] keep trying as the center might be experiencing a high call volume.

Should you or [redacted] have any additional questions or comments concerning this specific correspondence, please feel free to contact me at ###-###-####.

Resolution Specialist

Executive Response Unit

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:

That loan was completely predatory. I would compare it to a [redacted] or some other type of shady deal. That interest rate is 23.70% which is ridiculous. Why should I have to keep calling the recovery department to get them to make payment arrangements. No one ever answers the phones in the recovery department and I will not sit around all day dialing the recovery dept's phone. Citifinancial also added outragous fees on my account. If the debt was written off with the IRS, and you're still expecting me to pay this ridiculous balance; isn't it equivalent to getting paid twice. You got your tax credit for the bad debt. As far as I can tell, you already got credit for the balance. I don't know owe Citifinancial any money. They already got credit for the debt.

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

Sincerely,

Business

Response:

Please see newest respone.

Please be advised that CitiFinancial’s position has not changed. Please accept this as our final response on these issues. We consider this matter closed unless you have any new issues you would like CitiFinancial to address. In the absence of any new details, we will not respond to additional correspondence that largely repeats that same information as your prior correspondences.

Thank you

Dear Dispute Resolution Services:

We are in receipt of your additional correspondence dated September **, 2013, regarding [redacted] CitiFinancial account and we appreciate this opportunity to address her concern. We have had an opportunity to research the issues raised and offer the following response.

As stated in my response dated September *, 2013, our records indicate that [redacted] obtained a personal loan with CitiFinancial's [redacted], Pennsylvania office on May **, 2008, with a principal balance of $6,997.56 and was assigned account number [redacted]. Subsequently, [redacted] account was charged off and transferred to CitiFinancial's Centralized Recovery Center and assigned account number [redacted]. For your review, I have enclosed a copy of [redacted] Disclosure Statement, Note and Security Agreement.

Please note that a charge off is an accounting transaction used by a company to write off an apparently uncollectable debt. The charge off of a debt is reported to credit reporting agencies. However, charge off does not mean that the obligation/debt is paid off or forgiven. The borrower is still obligated for the repayment of the outstanding debt. Should [redacted] have any questions or want to make payment arrangements on her account, she may call our Centralized Recovery Center at ###-###-####. Please be advised that if there are no available lines, the recording will state that they are closed. However, we ask that [redacted] keep trying as the center might be experiencing a high call volume.

In reference to [redacted] claim that this loan was predatory, CitiFinancial respectfully denies this claim. CitiFinancial's policy ensures that our branch employees explain the loan terms and conditions to each respective applicant. To ensure the applicant understands these conditions, the borrower is required to initial each page of the loan documents, acknowledging the terms were understood. If,at anytime during the loan application and/or closing process, [redacted] did not agree with the disclosed terms of the loan, she had the option to withdraw the loan application and not sign the loan documents.

Please be advised that CitiFinancial's position has not changed. Please accept this as our final response on these issues. We consider this matter closed unless you have any new issues you would like CitiFinancial to address. In the absence of any new details, we will not respond to additional correspondence that largely repeals that same information as your prior correspondences.

Should you or [redacted] have any additional questions or comments concerning this specific correspondence, please feel free to contact me at ###-###-####.

Sincerely,

Resolution Specialist

Executive Response Unit

Review: I have a Best Buy Card that is managed by Citicard. There was fraud on my account that was mishandled and a new account had to be set up. There were credits that were supposed to be transferred to the new card that were not done. As a result my account went into collections. I was forced to make a payment to preserve my credit rating. I was/am constantly being given mis-information about the more than $700 credit that I am entitled to (due to being double billed). One Agent told me it would take 24 hrs, another said 2 billing cycles (60 days). I have attempted to speak with supervisors who give me no guarantees as to when it will be resolved. The blame is placed on a host of departments (fraud, collections, customer service). Calling them is like walking through a maze. You can never speak with someone who actually has the ability to resolve the issue. But in the meantime they still want me to continue to make a payment. I ask for a Manager and I am told that there is no one else to speak with.Desired Settlement: Adjust my bill. Issue credits or some sort of compensation. Reverse negative credit bureau reporting.

Business

Response:

Dear [redacted]:

Your recent complaint filed on behalf of [redacted] has been forwarded to us for review and response. Citibank, N.A. is the issuer of the My Best Buy credit card.

Our records indicate [redacted] contacted our Customer Service Department on September [redacted] 2013 disputing transactions in the amount $654.92 that was billed to her account. Her account was referred to our Security Operations Department for review. In this situation, we closed the account ending in [redacted] where the disputed transaction occurred and set up a replacement account for her ending in [redacted]. On October **, 2013, she contacted our office to confirm the disputed transaction were valid. When our Security Operations department closed their investigation, there was an error made transferring the balances between these two accounts. As such, the account ending in [redacted] now reflects a zero balance and the account ending in [redacted] reflects a balance of $450.71.

We regret any inconvenience [redacted] have experienced, but trust this response satisfactorily resolves his concerns regarding the account.

Review: Dear [redacted] of SD My name is [redacted] and I am a credit card customer with Citi Credit Cards. I hope you can help and investigate the legitimacy of the operations of Citi as a company. I recognize I did not pay on time, I agree I should have been better with paying my credit card bills but I get no help from Citi. City within 60 days of me being late with my payment reported me to the credit card agencys for being 30 days late. Citi cards never wrote me via mail. All they have done is harassed me via several phone calls every day for the last 50 days or so, emailed me which went to my spam email box. I made a payment tonight to get the phone calls stopped and the harassment being stopped. Since Citi Credit Card corporate office is based in your state of South Dakota I need your help to contact them and help me the consumer. All I want is the wrongful reporting being taken off my credit report. I understand I made a mistake and I did speak with [redacted] at the presidents office in Citi but she refused to help. I am a very busy person and I did forget the payment. I did ignore the 800 or 866 calls because of the several calls being done every day. Citi Cards NEVER ONCE contacted me via regular mail. They said they DID not have to do so because they called me a few times a day and sent emails. Please help and if you cant help, please forward my request to Senators and Congressmen in Washington DC to look at the Federal Credit Act.

Sincerely yours, [redacted] ###-###-####Desired Settlement: I would like Citi Cards to take the delay of payment off the credit report.

Business

Response:

Dear [redacted]:

This letter is to confirm our conversation on December *, 2013 regarding the manner in which the above-referenced account is reflected on your credit profile. We subsequently received inquiries on your behalf from the Revdex.com, the Consumer Financial Protection Bureau and the South Dakota Attorney General's Office.

The account information and payment history are reporting correctly and will not be changed or deleted. However, you may place a consumer statement on your credit profile to explain any extenuating circumstances that may have prevented you from making payments. Our records reflect the minimum payments due by September **, October ** and November **, 2013 were not received until December *, 2013 at which time you remitted a $97.00 payment by phone.

As to your concern that you were not notified by mail that the account was past due, multiple attempts were made by our Collections area to contact you by telephone, as well as by email, regarding the past due status of your account. All calls were made within the state and federal guidelines. In addition, our records reflect you enrolled in our paperless statements option on February **, 2013. Therefore, statement notification and past due notification emails were sent to the email address on file of [redacted] advising you that your statement was available for viewing at Account Online. Your statements reflect the minimum payment due, the due date and any past due amount.

I appreciate this opportunity to respond to your inquiry.

Sincerely,

Business

Response:

Dear [redacted]:

We recently received an additional inquiry on your behalf from the Revdex.com regarding the above-referenced account.

Although we understand that you are displeased with the outcome of your inquiry, our position remains unchanged. In our previous letter dated December **, 2013, we explained that our Collections area made multiple attempts via telephone and email regarding the past due status of your account. In addition, statement notification and past due notification emails were sent to the email address on file. These were not returned as undeliverable. A copy of this letter is enclosed for your review.

In response to your concern regarding discrimination due to race and national origin, we would like to assure you that Citibank does comply with the federal Equal Credit Opportunity Act and does not discriminate against credit applicants or customers on the basis of race, color, religion, national origin, sex, marital status, age, receipt of income from public assistance, or exercise of rights under the Consumer Protection Act. If you have additional information that you believe supports your claim of discrimination, please forward it to me at the address listed above.

I appreciate this opportunity to respond to your inquiry.

Sincerely,

Consumer

Response:

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

Citi Cards did not offer any help and did not tried to reach me via regular mail. Per their terms and conditions they say they will reach out to me. I did not recieve the emails they said they had sent.

I only got harassment calls from their auto system that was connected to a rude customer service person that could barley speak english. I am sorry but their harassment tactic and discrimination towards me is not right nor is it legal.

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

I like to see Citi Cards take off the late payment off my credit report because it is not right and illegal. I also like to see Attorney Generals office to investigate Citi Cards for harassment and discrimination of race, and my ethnicity. I am having my attorney looking into this and if Revdex.com can not help then I need to take other steps. But please make sure other government entities be aware of the illegal tactics Citi is using to harass their customers.