Citi

Review: I was contacted my a sears credit card agent on July **, 2014. I agreed to make a over the phone payment in the amount of $50.00. I was contacted by customer service on July **, 2014 and was told that there was mistake - that the agent I spoke with on July ** inadvertently submit a payment in the amount of $1,583.04. Customer services informed me that if the bank charges any overdraft fees Sears would assume responsibility for the fees. I checked with the bank and discovered that the bank returned the check and charged me a $35.00 overdraft fee. On July ** I contacted customer service informed them that an overdraft fee had been charged. Customer service informed me to faxed the bank statement reflecting this fee to ###-###-####. On July **, 2014 I faxed the requested documents. On July **, 2014 the request for payment in the amount on $1,583.04 was submitted again; and again my account was charge a second overdraft fee. I contacted customer service again and was given a totally new set of information to faxed and I was told that it is the error of the bank to charge me a second time and not sure if they would pay the second overdraft charge. I beg to differ. Sears should not of resubmitted a payment amount for a second time that was already determine to in error and not what I agreed upon on July **, 2014. I want both overdraft fees - a total amount of $70.00 to be refunded to me.Desired Settlement: DesiredSettlementID: Refund

Refund my overdraft fees totaling $70.00

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,

Review: [redacted] Credit Card provided misleading information and failed to notify me of new card that was never received, could not use website to pay bill.

Recently, I noticed that [redacted] has been attempting to call me on an old number to apparently collect on my account. After logging into my [redacted] Credit Card Account, I noticed that a statement reads this account has either been changed to a new number or has been closed. The current balance on the account states $0. This is the same message I received back in May of 2014 when I last checked my account. After seeing this message in May 2014, I thought that my account was paid in full (considering it stated current balance zero), so I took no further action.

After calling [redacted] Customer Service on 9/**/2014, I discovered that my account was over 100 days past due and I had a balance of over $100 remaining on it. The [redacted] who originally received my call advised that [redacted] had issued me a new credit card and number, which I did not receive in the mail. After advising the [redacted] that I did not receive any card, she became combative, so I requested a [redacted]. The [redacted] who took my call ([redacted], #[redacted]) stated that I should have received my new card in the mail and that the balance due status on my account should state the specific amount that was owed, not the current $0 which is shown in the screen shots below. [redacted] advised me to send in screenshots and a synopsis of my dispute to the aforementioned fax number.

After calling to check on my dispute today, [redacted] (ID [redacted]) advised me that I cannot file a dispute based on interest charges and argued that I should have called [redacted]. Once again, I advised her that my account showed a $0 balance and I was never notified of the change in card, or received a new card. She told me that is was my fault and then provided yet another phone number in the plethora of numbers this company provides in order for customers to never receive an answer or resolve a dispute. Alternatively, I suppose the [redacted] I spoke with last week provided false information if what [redacted] stated is actually the case.

To [redacted], please resolve this immediately. I understand that my account was sent to the credit bureaus, which obviously is infuriating considering I never received notice that my account was closed/changed. Moreover, after checking my online account several times, the information on the website was always a zero balance due since I issued my last payment. How exactly am I supposed to pay on a debt that I literally cannot even pay per your website?Desired Settlement: Eliminate all interest charges and restore any negative credit reporting to credit agencies. This is not about money, I will pay the balance that was owed originally, but not the interest and credit card pain imposed on me due to [redacted]'s incompetence.

Business

Response:

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

Review: [redacted] is advertising products with 0% APR when reality it is deferred interest.

Purchased laptop in January 2013, sales rep: [redacted], location: [redacted]. Costs: $1000+, account # [redacted], payment method: [redacted] credit card, purchased: MacBook Air.

In January 2013 I use my [redacted] credit card to make a purchase of a MacBook air laptop that was being advertised as 0% APR for 18 months. The sales representative made it out as though there would be no interest whatsoever during this time. I was never informed that the no interest was in actuality "deferred interest." The advertisements in the store and on the website are very deceitful and carefully crafted so as to trick consumers into believing there will be no interest for 18 months as opposed to accrued interest that will be deferred. In big letters and logos the ads said "0% Financing for 18 months with no notable or visible disclosures. Even if there is a disclosure they make sure to put it in the fine print so that people get tricked when their eyes are drawn to the 0% main eye catcher. Additionally the sales representative that I bought the laptop from never disclose any of this information and never bothered to elaborate on the deferred interest rather made it out to be as though there would be no interest at all during this period.Desired Settlement: I would like the $307 interest charge removed or supporting documentation showing the signed document where I agreed to the deferred interest terms

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 company has not responded back with any details. I authorize the Revdex.com, on behalf of myself, [redacted], to request information and I authorize Citi to share information with the Revdex.com on behalf of me as well.

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. Our letter was mailed to the customer on 9/**/14. Please note that it may take 7-10 business days to receive.

Thank you,

Review: I have had this card for 9 years and never missed a payment. In 2009 they raised my APR to 29.9% due to "economy issues". Ok. Fast forward 5 years and I call customer service to see if there is anything they can do to lower this. Someone answers from the call center and I explain my issue. He was very understanding and apologetic. He puts me on a brief hold and talks to a co-worker to see what can be done. He gets back on the phone and lets me know at this time there is nothing he can do. He say I can call back in 30 days to see if anything can be done or I can talk to his [redacted]. I tell him I want to talk to his [redacted]. I get on the phone with [redacted] and she basically tells me the exact same thing. I ask her how is it that you can raise my APR with no problem but to lower it you can't do anything. Sh explains that there is nothing at this time that she can do. Personally if this is how they treat customers of 9 years. I will be transferring my ballance over to one of my other credit cards with a lower APR. I could understand if I missed payments or was always over my limit but neither on of these has happened. If you have a choice for a credit card stay away from Citi.Desired Settlement: I want my APR lowered. I don't have any credit cards with this extreme of an APR.

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: "Thank you for calling customer service in [redacted]. My name is [redacted]. May I have your name please?"

I asked the representative, [redacted], to perform a charge-back. She didn't know what that meant. There was a charge that I wanted to dispute. She failed to transfer me to her billing dispute department. I called on Saturday, October **, 2014 around 3:26PM Eastern Standard Time from ###-###-####, a [redacted] number.

[redacted]: "Now, how can I help you today?"

[redacted]: "I need to do a charge-back."

[redacted]: "OK. Uh? Charge-back? Now which....as of...um...what do you mean...a 'charge-back'"?

(Disconnects)Desired Settlement: Make certain that all your reps know what charge-backs and billing disputes are, and to transfer customers over to the billing dispute department.

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: This is also a billing issue as well as a customer service issue. This company doesn't take care of their customers they take care of their mighty dollars and profits. I spoke to a [redacted] rep about how I was supposed to have a 12month promotional and they told me it was only for 6 months and they charged me 92 dollars of deferred interest. Then I spoke to one of their reps and they told me they would extend the promotion to 12 months and the interest would be credtited. A few weeks later I get a bill with the 92 back on the card and a note saying to call a rep. I called the rep and they said my request was denied, yet a few weeks prior the rep told me directly that they valued me as a customer and that they would extend the promotion to 12 month and give me a credit. That is not the way to do business nor take care of customers.

Product_Or_Service: [redacted] Tires

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I want them to credit me back the 92 dollars they told me they would credit.

Business

Response:

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

Thank you,

Executive Response

Consumer

Response:

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

The business simply wants to repsond with what they have always responded, that they can't do anything to help me. I already went that avenue and nothing happened. They say they will repsond in 7-10 days. I will see if anything changes.

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

Sincerely,

Consumer

Response:

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

I will wait for the business to respond to me by mail. Thank you.

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.

Executive Response Unit

Review: After my calling twice in Sept. **, and Sept. **, 2014,in good faith before to let them know, [redacted] continues to call and harass me.

[redacted] continues to call me about my bill which I late for the FIRST time. I called beforehand 9/** and 9/**/14 to let them know. Yet they continue to call on a daily basis. I spoke with 2 people yesterday, [redacted], and [redacted]. There has been illness and unforeseen circumstances which I told them about. For 2 years I have never been late. Now for one late payment, even though I twice called before, and they have a record of my calls, they continue to harass me on a daily basis. They also speak unclearly, phone numbers and are not clear in WHO THEY ARE.Desired Settlement: To refund late fees if any and stop calling and harassing me on a continual basis.

Business

Response:

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

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 still keep receiving letters from Citibank which said they handle [redacted], yet when I called corporate [redacted], "[redacted]" said there would be an ongoing investigation. [redacted] took the name of [redacted] who I talked to at Citibank, who would not even let me finish a sentence. I called [redacted] and let them know that these tactics are driving away good customers with their strong arm tactics. I forewarned [redacted] in Sept. that I was going through a very devastating hardship, and I was touching base with them even before I was late. These unending phone calls, and letters must stop.

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

Sincerely,

%

Review: I've been having problems with this company ever since I had to go out of the country for my wife's medical issues that started at around November of 2013. I had to leave the country on January of 2014. We had set up an automatic payment to not miss any payments but we were noted as not paid? When we came back on April we shruged it off since we were dealing with a lot of things already. On June my wife ended up having more issues with her pregnancy and we had to leave again, it was like this for a while until she unfortunately lost our baby boy whom we named [redacted]. We had very very expensive medical bills and a funeral on top of that, there was no way we could have paid off in full the amount they were asking we had been placed on collections without either of us knowing. My wife and I tried contacting them explaining our situation and to have some kind of understanding caring heart for what we have just been through but they just said that we had to arrange with the people who took over our account which was a debt collecting agency. We contacted them arranged payments and we still couldn't compromise on something. Later our family helped us out and we were able to pay the full amount. We sent in a Money order. But now that I look at my credit report its reporting we still owe the same ammount? How if it was paid off in full? And all these late payments at on my credit report I tried explaining what was going on and they assured me If it was paid off it would be taken off my report. So what is going on?Desired Settlement: I would like my bill adjusted to what is already paid off. I've been through way too much to deal with negative credit right now and I'm asking for that to be fixed asap please. Adjust at least the months late of payments when I was not in town and take off all these negative things from my report. Put yourself in my shoes, and try to understand where I'm coming from and what I just went through.

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 [redacted] customer service on nov at [redacted] est time I was on hold for a long time &the rep hung up on me then I called back & got hung up on

I got hung up twice o nov *. I called and didn't feel like a valuable customer. [redacted] sends me ads in the mail saying I'm a valuable customer right now I don't feel like one. I just want to settle my correct balance with them and part waysDesired Settlement: I want to be credited the $650 interest charge and pay off my whole balance so I won't have to deal with this company again. I explained to them that I had been out of work for the past year and I was still paying them plus I also explained that I had swapped out a camera thru their insurance program and thats what confused me .

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

Review: Did not reverse excessive charge. I have been paying this company on a timely basis each month for a very long time, and generally paying much more than the minimum payment. My payments have been scheduled to be automatically paid by my bank on time. Therefore I should have an excellent credit reputation with this company. I did not receive the Citicard statement for the billing period 7/**/14-08/**/14 and did not know that the payment that month was $3.58 more than the previous payments. My bank paid the statement, as usual, on a timely basis but the payment was $3.58 short. Citibank charged a $25.00 fee described on the statement as "Aug Payment Past Due." The payment was not past due but merely short a few dollars. I contacted their representative [redacted] on 9/**/14 and was informed to mail the $3.58 in so that the $25.00 fee could be reversed. To date it has not been reversed.

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I want the $25 "late fee" reversed and an assurance that this event will not increase my interest rate, will not show as a late payment on my credit record or affect my credit reputation in any way. An apology would also be desirable as it seems to me a long-time reliable customer should not be subjected to a "late fee" or other changes to an account paid in a timely way, especially for a $3 discrepancy when I didn't receive a statement for that month and didn't kno

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.

Review: Did not divulge vital components of promotional purchases.

I bought an item on credit from [redacted] under a promotional offer. I was told that if I paid the balance off before the end of the promotional period, that I would not be charged any interest. I subsequently set up automatic payments to ensure the amount financed would be paid off well before the end of the promotional period. After the period ended, I found a $530 interest amount added to my account. When I inquired about it, I was told that payments made to the account had to be specified personally to go to a specific purchase. I was never told this when I made the purchase, and this is quite a significant thing to not divulge as it virtually guarantees that promotional balances will not be paid off on time.Desired Settlement: I would like the $530 refunded and any applicable interest removed.

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:

Business has offered absolutely no type of resolution or restitution regarding the matter.

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:

Authorization has been sent.

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

Sincerely,

Business

Response:

We responded to the customer on January **, 2015. If the customer would like to share this information they can provide a copy of our response to the Revdex.com.

Review: Citibank is sending another customer's checking, credit, and reward alerts to my email.

Since April 2014, I've been receiving alerts for another customer from Citibank. Ny Name is [redacted] and the other person's name that I've receiving alerts for is [redacted]. I've tried talking with customer service and fraud department since April 2014 and they still not able to resolve it. The excuse is that they cannot help me because they need to talk to [redacted] to verify his account.

The email alerts I received from Citibank for [redacted] includes:

last 4 digits of checking account

last 4 digits of ATM/Debit card account

last 4 digits of Credit Card account

full reward point and account number

reward purchase

his home address

low balance alerts

password reset

...

Again I've email Citibank fraud department with all the info and no response or follow up. I've send a handful of emails since April 2014.

I've also call the fraud department a handful of time and they tried to help but at the last time (today Feb **, 2015), they suggest I [redacted]'s phone and contact him directly.Desired Settlement: I hope they understand the severity of this issue. For a bank to send out personal information and alerts to someone that is not that account holder is wrong. I've wonder how many other people are affected. We hear about fraud and identity theft from hackers, this is a case where the bank is helping.

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 have not used my credit card in over 6-8 months and have been making payments anywhere from 45 on a bi-weekly to monthly basis in the form of paper checks which have been cashed of which I have proof of the cancelled checks being drawn from my bank account each time. The comnpany has not only FAILED TO apply these payments to my account but has stated these paymnents are RETURNED CHECKS AND ALSO APPLIED LATE FEES AND ACCRUED INTEREST ON INCORRECT INVAlID BALANCES FOR WHO KNOWS HOW LONG. MY BALANCES HAVE BEEN INCREASING WHILE I HAVE BEEN MAKING STEADY REGULAR PAYMENTS THEY HAVE BEEN REPORTING THIS TO CREDIT BUREAUS - APPLYING LATE FEES IN THE AMOUNBT OF 35/MONTH AND TAKING AMOUNTS OF 45-90 / MONTH FROM MY BANK IN THE FORM OF ACH DEBITS FROM CHECKS I MAIL AND NOT APPLYING IT TO MY ACCOUNT. I HAVE NO IDEA WHAT THEY ARE DOING WHO THEY ARE USING FOR THEIR ACCOUNTING BUT THEY ARE TOTALING SCREWING UP MY ACCOUNT AND NEED TO BE HELD LIABLE FOR THIS AS WELL AS MY CREDIT REPAIR. I WANT CREDIT REPAIR, RETRIBUTION AND IMMEDIATE ACCOUNTNIG MADE TO MY ACCOUNT .

Product_Or_Service: CREDITDesired Settlement: DesiredSettlementID: Refund

REFUND ALL FEES INTEREST REPAIR CREDIT REVERSE ALL INACCURACIES REVERSE ALL INCORRECT STATEMENT APPLY PAYMENTS RECALCULATE INCORRECT INTEREST. AUDIT ENTIRE YEAR STATEMENT WITH EXPLANATION FROM FORENSIC ACCOUNTANT .

Business

Response:

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

Review: I WAS 1099 C ON TWO CREDIT CARDS AND THIS COMPANY STILL REPORTED OUT MY BALANCESS TO THE CREDIT BUREAUS AND STORED MY MEDICAL INFORMATION FOR OVER 1 YEAR WITH OUT MY KNOLAGE,Desired Settlement: I WOULD LIKE SOME ONE FROM THE OFFICE OF THE PRESIDENT AT CITI BANK TO PLEASE DELETE TWO CREDIT ACOUNTS FROM MY CREDIT FILES.

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. Please allow 7-10 business days for the consumer to receive our response.

Review: On February [redacted], 2015 to present, I have been receiving calls that I am 2 months behind on payments. I checked with BOA and they stated that Citi Bank received my January & February payment and that they have been cashed. BOA gave me check number and confirmation number. I Faxed all proof of my payments to Citi bank on February [redacted], [redacted], [redacted] & the [redacted].they ask me to fax first to ###-###-#### and then to ###-###-####., Citi Bank has left several voice messages that I am late and twice when I picked up phone the customer service department were so rude putting me down that I should not get a credit card if I don't know how to pay them. How darn them. I own a Business and I pay my taxes, Insurance and I have 5 Credit Cards that I pay 10 days before due date and I always give more than what I owe each month, so for them to put me down is horrible. Before they accuse me of being a low life, they should correct their records. This is the 3rd time this has happen. I have two accounts with them and they seem to get the payment the other one, but this credit card I have to go out of my way to show them proof. If I try calling them to explain they are so rude and dis respectful with me, I have to hang up on them, They are constantly calling me at work and I have told them not to call me anymore they can send me late notices, but they never do.

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

I would like Citi bank Simplicity to correct their records and to stop calling me to speak to me rude. This needs to stop. I also want them to mail me a paper statement each month which I have requested 3 times, and they still will not do this

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: Late payment due to address change error promised to be reversed but wasn't reversed.

I opened a [redacted] consumer credit card (serviced by Citibank) in August 2000. I never had a single late payment and spent many thousands of dollars in purchases. In September 2010, my husband was preparing to return home from deployment in Iraq and I had to move across the country for his military assignment. Although I submitted a change of address, I didn't receive a billing statement that month and I had limited internet access as I was traveling across the country in an RV. I made a payment (late) and called customer service immediately upon discovering the mistake. The customer service representative was kind and offered to remove the late fee and reassured me that the late payment would not effect my credit. The late payment was reported to the credit bureaus and, because I am a dependent spouse and my husband (the service member) was only a co-signer on the account, I was told that any rights under the SSCRA would not apply and that my excellent credit history did not matter. As a result, I have repeatedly been denied credit over the last 4 years. The only blemish on my credit report is a single late payment in the 11 years I had my [redacted] credit card. Despite repeated attempts to call customer service, the late payment was never reversed as promised. I have been trying for 4 years to get this resolved.Desired Settlement: Reversal of late payment (Sept. 2010) from consumer credit card account and removal of late payment from credit history.

Business

Response:

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

Consumer

Response:

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

[Your Answer Here]

I have not received a response from the business.

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

Sincerely,

Consumer

Response:

I have sent a copy of his deployment orders.[redacted]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 business is still not willing to honor their original commitment. Nothing has changed. In order for the Revdex.com to appropriately process your response, you MUST answer the question above.Sincerely,

Business

Response:

We responded to the customer on 3/**/15. The customer should allow 7-10 days to receive our written response. If the customer would like to share this information, they can provide a copy of our response to your office....

Review: Upon review of my monthly charges of my credit card through Citigroup or Citibank, I noticed an unauthorized charge for "Debt Protection" for $25 (estimated each month). This was a monthly charge that I had never authorized. I reached out to the contact information provided on the website, and I was directed to a third party company called "[redacted]" (which will also have a complaint filed against shortly after this). [redacted] advised me they did not have anything on file stating I had authorized this charge, and that they would take up to 30 days to give me a solution to the charges which had been accruing monthly for 7 years (started in June of 2008). The representative quickly stated they would cancel the service, and would review the situation and send me the resolution in the mail. Obviously, not satisfied with this response, I called back Citibank/Citigroup and was told by the first representative that I could not dispute this charge at all. After speaking to a [redacted], I was advised I could dispute up to 6 months, which I quickly did and stated I would be forwarding this information to the Revdex.com to review as this charge was never authorized in the first place 7 years ago. There is roughly $2400 that I would like to recoup back to my credit card statement, as I have never authorized or knew this was being charged to my card in the first place. Currently, I am advised that Citigroup is disputing $162.48, for the prior 6 months, and will not be doing anything with the other 6.5 years because they 'do not have these records on file'. Frankly, my credit institution seems to be stringing me along in this circumstance, and I feel as though I am being scammed. Please advise.Desired Settlement: DesiredSettlementID: Refund

$2400 in refunded charges.

Business

Response:

We have corresponded directly with our customer. They should receive our response within approximately 7-10 days. 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:

Citi did send a document to my residence offering a further investigation with no estimated conclusion date, along with a interim credit of $77.44 for 3 months of accrued charges (3 monthly payments and corresponding interest associated with those months). It was also stated that Citi had taken over the ownership of the line of credit on September [redacted], 2013 (roughly 19 months ago to date). As Citi states at the bottom of the document, they regret any inconvenience caused and appreciate my patience, therefore, I would greatly appreciate a full refund of, at the very least, the 19 months of charges for "Debt Protection" due back to an unsubscribed product along with the interest this has incurred. I have also placed a formalized complaint the secondary company involved in this complaint history ([redacted], which provides the "Debt Protection") and have yet to hear anything in regards to a response yet. Until the completion of the investigation (as stated in the document provided by Citi), there has been no actual resolution to this complaint.

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. They should receive our response within approximately 7-10 days. If you would like to further discuss the resolution, may I suggest you contact himdirectly?

Review: Inappropriate Customer Service. Compromising Customer security and promoting potential identity theft concerns.

On Monday March [redacted] between 10:30am and 10:50 am PST, I contacted my [redacted] credit card to inquire about a charge and a renewed credit card. I spoke to a representative who could do nothing but apologize about not being able to help me. That CSR could not access my account for some unexplainable reason. Suddenly, I was transferred to another CSR in North Carolina. That representative immediately asked for my "personal password." I was confused by this because they are not allowed to ask for my personal password. They're supposed to identify me by asking for the answer to certain secret questions, which I previously set up. When I inquired about why they were asking for my "personal password" I was told that was the way it is. I was feeling suspicious of who I was speaking with after the transfer and believed it to not be [redacted] Credit Card services at all. Too many hackers and identity thief's are out there today and after this experience I decided something was wrong.

I then ask to speak to a [redacted], more precisely, someone higher up. The [redacted] whose name was [redacted] (or [redacted]) got on the phone and was immediately defensive and borderline rude. She kept interrupting me and would not allow me to clarify the situation and basically was unhelpful. I never raised my voice or said anything inappropriate. I even asked about the language to be certain I understood what they were trying to ask of me. I thought maybe it was a matter of semantics and language. This [redacted] would not acknowledge that to be the case, which made me feel hesitant to release any information to these "representatives."

In any case, [redacted] refused to neither help me and clarify my concerns nor solve any issues. She was quick to let me know that everyone followed a script and they have to ask the question as it is written. I understand this to an extent, because I worked in Customer Service as a [redacted] for 13 years. We had scripts, but were also taught to listen to the customers. After all, they may a reason for their questions. Not everyone calling in is out to scream, yell and lodge complaints. That was not the purpose of my call. All I wanted was clarification about the personal password request and conduct my business accordingly. I did not get to conduct my business. I did not get answers to the questions I had. All I was told by this [redacted] was that that's the way it was; reading the script verbatim and asking for customer's personal passwords. In my opinion, this was utterly ludicrous. This is exactly how identity theft begins. I realized [redacted] was not going to assist in any formidable way, which is a shame. I simply said thank you and have a nice day before hanging up. I was not about to get involved in a hacking situation or breach of security issue, especially not knowing for certain who I was actually speaking with.

I wanted to report this because I do not believe I was represented well by [redacted]'s Credit Cards services. And I do not want to see other people have their personal account information compromised toward the possibility of identity theft.

These representatives forgot that they are a consumer as well and they didn't provide good customer service. They did not care and put my personal account in jeopardy. In the end, I did not believe I was talking to the credit card company and if I was talking to the credit card company then they should probably go back and review that call center location in North Carolina and the practices they have written into their script, which promotes jeopardizing customer accounts.

What concerns me is that [redacted] did not protect me or was concerned with my personal security at all and it brings to question things such as a lack of professionalism, identity theft and good customer service skills. I also seriously question their business ethics and will consider changing myDesired Settlement: Appropriate identification processes for both CSR's and Customer. Change in policy to promote stronger security without threatening the Customer. Altering CSR scripts accordingly to avoid asking for sensitive security information that may lead to identity theft. Serious apology for poor service.

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: On my American Airlines credit card were additional charges outside of the one I had made to fly to Beijing. A few months after arriving in Beijing, I had noticed these additional charges and disputed them first with American Airlines, who after a month refused to do anything. Then I disputed with CitiBank. I was told the time would 30 to 60 days until a dispute decision was made.

I never received an update. After contacting CitiBank, I was told that the dispute had been resolved and I would see a credit of 429.10 on my statement.

The statement was posted, but no credit was received. I contacted them again, I was told on the next statement date. Which would be 4/**/2015. Now it is 4/**/2015, and I have checked the statement, and there is still no credit. I contacted CitiBank again, and was told to wait until the next statement.

Every month, I am being charged interest on the total amount I owe plus the 429.10. This is illegal what they are doing. They need to go back and refund all of the interest paid, and the 429.10 to the balance of my account.

A complaint is also being filed with the Attorney General and the Federal Trade Commission.

I have copies of all of the chat transcripts and documents sent and received.

Chat Transcripts, Unauthorized Charge Affidavit and Letters, Statements.Desired Settlement: I need to speak with someone from Executive Relations to handle this situations. Hours of time and stress have gone into correcting this. Completely unacceptable.

I can be reached at ###-###-####.

I would like the credit of $429.10 immediately applied to my balance, and any interest paid on the account back dated to the date the 429.10 was charge to my account.

Business

Response:

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

Review: Citicards Citi Diamond Preferred offers a service called Price Rewind. Citi Price Rewind looks for better prices on what you've already bought, and refunds the difference back to you. I purchased some appliances (dishwasher, refrigerator, and stove) from [redacted] for :

Dishwasher purchased price: $699

Refrigerator purchase price:$1099

Stove purchase price: $698

I also used a 10% off coupon that was applicable to any item in [redacted]. I signed up for Price Rewind tracking and Price Rewind found the items for:

Dishwasher: $629

Refrigerator: $988

Stove: $597

Citi Cards refused to refund me the full difference in price because I used a "coupon" during my transaction. They claim that the price rewind is based on the total purchase price of all items, not the individual items. Although this is not advertised anywhere in there terms and conditions. They also use the term "item" throughout the terms and conditions, never once calling out total purchase.

I could have used the coupon on the lower price items, but I'm passed the 30 day price adjustment period thanks to Citi. I now lost the opportunity to get my money back.Desired Settlement: I want to be refunded the full difference as Price Rewind advertises. You owe me $282.

Business

Response:

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

Consumer

Response:

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

[Your Answer Here]

They sent me a canned letter that did not address my concerns or questions.

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

Sincerely,

Business

Response:

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

Consumer

Response:

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

They sent me a letter saying that they will not communicate with me anymore. They refuse to acknowledge my issue.

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

Sincerely,