Citi

Review: I closed my check , saving and checking plus account with Citibank in March 2014, in June, I was trying to apply for auto financing and found that Citibank had reported " unpaid" balance on my credit report every month , made my score dropped below 600 .

I called many many time, and each time on phone for hours, they refereed me to fax my dispute to [redacted] , I did it back in April , waited for 2 months, no response, I called and faxed again in July , still no response . Below is the latest chat I have with a Citi Rep online , which she confirmed that the accounts I had were all closed with $0 balance :

A Citi representative will help you in approximately 0 minutes 4 seconds.

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

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

recorded or monitored for quality purposes.

You are now chatting with [redacted].

[redacted]: Welcome to Citibank, my name is [redacted]. How may I assist you today?

[redacted]: hello there

[redacted]: Hello, [redacted].

[redacted]: Glad to have you on chat today.

[redacted]: I ve been calling for numrious time regards the same matter

[redacted]: I ve been trying to deal with this for month with citibanks

[redacted]: Okay.

[redacted]: May I know your concern please.

[redacted]: in March I had closed all my accounts except one of my credit card

[redacted]: Okay.

[redacted]: yet, I been getting collection reported to my credit report saying I owe money to an pre-existed account for $340

something

[redacted]: I logged on to my e-banking, both closed accounts still shown under my id but they are both with $0

[redacted]: and the line of credit account , witch I believe is the account that citi claimed I owe balance on , is shown $0

[redacted]: I called, I faxed my dispute form over to [redacted] TWO times

[redacted]: both I waited for 60 days, hear no response nor confirmation

[redacted]: yet every month , I still got an claim from citibank

[redacted]: this is really really stressful !!!!!!

[redacted]: I certainly understand your concern and know how frustrating it is.

[redacted]: Let me see what best I can do for you.

[redacted]: I even stopped by the branch which is right next to my house , and asked the banker who I closed the account with

[redacted]: she said nothing she can do at the branch but the account was shown closed , not negative, and I specifically went

into a branch to close the account and take care all the balance while I requested a new replacement for my credit card.

[redacted]: if nothing is resolve today , I will have to report to Revdex.com

[redacted]: it's been too much time, too much calls and too much waiting

[redacted]: I try to finance my car and it's damaging my credit !!!

[redacted]: Hello ????

[redacted]: Thank you for being online. I appreciate your time and patience.

[redacted]: [redacted], I have reviewed your account and see that the line of credit, checking account, savings account, and

checking plus have been cloced and the balance is $0.

[redacted]: You do not have any amount to pay.

[redacted]: I know , which is way I don't know what ese I can do to remove these bad reports on my report !!!

[redacted]: [redacted], you need to send a secure message to Citibank you get a immediate response.

[redacted]: you guys need to stop reporting and damaing my credit for balance that don't exsit !!!!!!!

[redacted]: I see, checking and savings account are closed. After closing the account, generally it takes 90 days to unlink automatically.

[redacted]: it's more than 90 days

[redacted]: also , I m not talking about closed account

[redacted]: I m talking about your company kept reporting to my credit report that I owe balance for these closed accounts !~!!!!!!!!!!!!

[redacted]: you are not addressing my questions and concerns

[redacted]: Are you referring to credit card accounts which are active?

[redacted]: no !!!!!!!!!!

[redacted]: you are not reading the chat !!!Desired Settlement: Immediately dispute and remove all wrongful negative collection on my credit report and re-send my credit report to all credit inquires for the past 12 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.

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 claimed that I was late to make payment on a closed account that is past due in Feb/March 2014, which I made a payment in their branch located at [redacted] and [redacted] The person also said I made a payment to cover the outstanding balance in July, yet I did not pay anythign in July, when I asked if they provide me detail regards the payment,s such as date, place and method of payment, they got nothing , instead, they asked me to " go home and find your payment receipt ". Finally, if I did paid the amount in July, why would they keep reporting negative late payments on my credit report all the way til this month, December 2014 ??? I reject the solution and request further investigations. Thank you [redacted]

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

Sincerely,

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: I paid 1,100 on mastercard from sears they wouldn't send me a statement or email for information my limit was 4000 after I paid the 1,100 my balance was the same. ive been so stressed out because of dealing with them I hade to get a loan to pay sears off. but I called them and reported the account had fraud charges to it. cause the amount I owed was more than the limit on the card after making 5 months of payments. then my sears card the blue one also has a balance that's more than the limit allowed. paying 2,000 limit now my balance is 2,250 after 5 months what the hell is going on & why cant they send me a statement. its a struggle just to pay my payment at the store like they don't ever want you to pay them off. they give you hell when trying to make a payment when all you want is the account # to pay them. the problem is they canceled my card when trying to return rings I paid 3,200 for. I want a refund on the rings as promised by the [redacted] before they canceled my card out. & tired of the run around games they play. im trying to get another loan to pay them off for the master card then I will never buy another thing from this RIP OFF company ever again. THE REFUND I WANT IS THE 1,100 I PAYED ON MY MASTER CARD THAT I HAD TO GET THE LOAN TO PAY THEM OFF & THEY DIDNT REFUND ME THE DIFFRENCE.IM MAD AS HELL.

Product_Or_Service: wedding rings/ mastercard

Account_Number: mastercardDesired Settlement: DesiredSettlementID: Refund

I WANT THE 1,100 THEY STOLE FROM ME & ALL THE PAYMENTS I HAVE EVER MADE IN THE LAST 5 MONTHS THATS 200 A MONTH ON the MasterCard STOLE FROM ME FOR 5 MONTHS that's 1,000 & THE 1,100 THEY STOLE they stole from me on THAT 1 PAYMENT. I WANT A FULL INVESTAGION CAUSE THIS ISNT RIGHT also the return of the rings as promised by the [redacted]. with the restocking fee as promised.

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]Executive Response Unit

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 a CITI credit card. About a month ago, I got a mail from CITI. This mail includes three checks. The advertisement say these checks are promotion checks and have 0% interest until sometime at January, 2015. It also says it can be used like a normal check. Thus, I payed my December rent ($610) and my daughter's meal ($60) at the end of November. When I checked back my credit balance several days later, I found I was charged $29.4 for the balance transfer fee. I never know a normal check will be charged a balance transfer fee for buying something. In their advertisement, they just tell you it is a promotion check with 0% interest and use like a normal check, but they do not tell you they will charge you about 5% amount your money as a balance transfer fee. Will A NORMAL CHECK be charged some money as a balance transfer fee?

I called their custom service on 12/*/2014, someone told me she will put on this thing on her calender to handle this. I am not very sure about it. So, I online chatted again with CITI on 12/**/2014. This time, the custom service told me the balance transfer fee will be credited back, in other words, it will be waived. But in fact, they eat their words when I called again on 12/**/2014. I will be charged $29.4 as balance transfer fee.Desired Settlement: I want the $29.4 balance transfer fee be waived.

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: In early 2013 I joined the US Army after a very much failed relationship with a pretty girl as many young men do. Prior to my departure for basic training I completely paid off the balance of my citi credit card. I informed Citi that I would not be taking the card with me, I left it securely at my grandparents house, and that I would not be in a position to use it until further notice. The representative agreed and informed me that the card would be put on hold. Unbeknownst to me at the time my ex had stolen the credit card information while I slept one night. She was able to clone the card and use it after I left. Citi did not hold true and allowed all the charges up to the credit limit. I was not aware of this until I returned almost 5 months later to find that I had statements waiting for me informing me of the balance. I fought with citi for a while trying to get them to even initiate a dispute which they simply refused to do. I filed a previous Revdex.com complaint at that time. They initiated a dispute at that point and soon sent me a letter informing me that they found the charges were indeed fraudulent. The letter also informed me that they would be removed from my credit report with all three agencies within 90 days. I continued getting collections calls for the account. I assumed they were companies that had not yet gotten the message from citi. I informed them all the account balance was the result of fraudulent transactions and all of them (never the same one twice) informed me that they would not contact me again. I believe my debt has been sold multiple times, though I have never been informed of that. The most recent agency called citi and I got a letter informing me that my citi account was once again under investigation. My ex is in jail for this, she was convicted of multiple counts of fraud beyond a reasonable doubt, citi has ruled once that it was fraud, and they need another investigation to determine, again if it was fraud, after telling me almost a year ago that it was fraud and would be removed from my credit reports. I recently pulled my credit report and found this charge off is still on all three credit reports. I disputed all three and got the results of one dispute where citi informed [redacted] that the account balance was ACCURATE. I simply don't understand how that could be, they already told me they would remove it and have lied more times than I can count. I'm really glad I have every letter and I recorded every phone conversation.Desired Settlement: I would like the account removed from my credit reports. I would like citi and any collectors on behalf of citi to stop contacting me. I would like a formal letter informing me that the account is closed and the debt forgiven. I would like a formal written apology from citi for the toll this has taken on me, if only the countless hp\ours I've spent trying to get them to do their job.

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:

I received a call from the business's fraud department. They informed me that they would be recording the call. I, out of shear curtosey, under no legal obligation to do so, informed them that that was fine and that I too would be recording the call because I've been promised things by them before without any apparent good faith. I was then informed that they could not speak to me if I was going to be record the call they could not talk to me, I would receive something in the mail (no word to what that would be or what address they would send it to, nor did they ask which would have been nice since I just moved for the third time since becoming unable to access the account and therefore unable to update my address). They then hung up on me. I don't know what I'm meant to gather from this except that they are clearly attempting to "deal" until the complaint is closed then never make good on any offers or compensation they promise after the complaint is marked "resolved" as has been my experience in the past.

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

Sincerely,

Consumer

Response:

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

I have not received any communication from the business since September when they claimed that because the autopay that I had set up with this account previously through USAA autopayed the fraudulent charges (perpetrated in the state of Florida when I had already informed Citi that I would not be in the state of Florida for no less than 10 months prior to leaving) I and the government documentation I have proving that I was not only NOT in the state of Florida were lying. They claimed that the Federal government was lying on my behalf, that the time when I was shot at, nearly lost my life, and my mind never happened, and that the police investigation that I have provided documentation of to them are lying. They claim that the 3 other banks who this was enough evidence for are wrong, that reality is wrong, and that the whole universe is conspring to keep them from their $4000. Excuse me, my heart is breaking for these poor people and their inability to admit their mistake. It truly does. It brings a tear to my eye to think of what they will do when they are only able to pull the money that the whole of reality says they should never have paid in the first place out of my cold dead hands because that's the only way they will ever get it. I can only take solace in the fact that they are such pretentious horrible ss that they might actually kill me for it. I wouldn't put it past them at this point except that that would require them to take their fingers out of their ears and stop saying "LA, LA, LA, LA, can't hear you!" long enough to pull a trigger.

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

Sincerely,

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: Citi sent a negative information notice to [redacted] regarding my [redacted] Account

Citi bank took over services for my [redacted] account. They utilize fraudulent billing practices. When I contact the CPA and Revdex.com they removed the charge but submitted a negative alert to [redacted] Credit. In essence they are punishing me for reporting them to authorities. The account is $0. I was never delinquent.Desired Settlement: I would like the false information removed from my account

Business

Response:

We have sent a response directly to our customer on January **, 2015. If you would like to further discuss the resolution, may I suggest you contact him directly allowing time for him to receive our response.Thank you.

Review: [redacted] delivery people falsely stating they tried calling this afternoon stated at my house my father in law was here all day no delivery person

[redacted] states in email and docs will call night before to schedule delivery of stove, they failed no call received. Today Sept * I called [redacted] call center at [redacted] confirmed delivery is [redacted] time frame so advised my husband[redacted], he told his dad [redacted] who took whole day off. Received call at [redacted] letting know to call store, tried calling long wait had to go back to work had husband call too long hold so had his dad [redacted] call, luckily [redacted] had time to wait and spoke to store who assured same time frame. No stove delivered [redacted] states they were here and tried calling no call received on my cell phone which is my only phone. They also stated they called my work phone and someone answered stating I don't work there. I only have one phone number and I listed my husband's cell phone number which they never called. I have my daughter's birthday to bake for this sat which now requires me to drive 40 minutes one way to bake a cake for. We have * kids work full time commuting involved, my father in law took the day off from work to help out and [redacted] was a no show. I waited almost a year to buy a stove have survived off a hot plate and toaster oven until we were ready to buy the stove I wished to have. It's very disappointing on the lack of customer service and follow through on a 1500 stove. My father in law doesn't have PTO time he was without pay for today, he took the time to help us out.Desired Settlement: Employees that falsely say they are someplace and are not should be placed on corrective action or replaced. And the $100 gift card they are offering is not justified for the time it takes to drive 40 minutes one way to bake a cake someplace else and bring it back home. Granted it was cutting it close two days before, I was guaranteed delivery today [redacted] Sept * and they broke that promise.

Business

Response:

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

Review: Because I was changed to paperless billing without my permissiion, my account became delinquent.

When I opened my account with [redacted], I requested regular paper billing. My paper billing started fine, but for some unknown reason I was changed to paperless. My next contact from [redacted] was a delinquent letter. I immediately responded to the letter and brought the account up to date. The entire amount that was in dispute was 50-60 dollars. I was shocked several weeks later to see that I had been reported to the credit bureaus. This situation has been very damaging to my credit history and future financial purchases. I do not feel I should be responsible for billing error that was not my fault. I want my excellent credit record restoredDesired Settlement: I want my excellent credit history restored. A lifetime of financial responsibility should not be affected by someone else's error.

Business

Response:

We responded to the customer on March **, 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 your office.

Review: I keep Getting a monthly statement for items or Services not received, or requested Thank You [redacted]Desired Settlement: DesiredSettlementID: No settlement requested - for

That [redacted] state what services or Items,they want payment .

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: I was offered 50,000 miles for credit card after $3,000 in purchases within 3 months. I charged $3,400 and when I called to check on points they said I wasn't able to receive because I had a Citi bank card before. This wasn't mentioned over the phone and they should have Informed me this before issuing credit card. They should have seen this on credit info. This was totally misleading!!!!! I would have never taken this card if I would have known this. I called the customer service phone number ###-###-#### and spoke with [redacted], on team 3009, and he said nothing he could do. I should receive the 50,000 points and indicated before purchase of card. Thanks [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

receive 50,000 miles as promised. Never mentioned that I wasn't able to recieve

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: Citi reduced my credit limit even though my credit score is still very good. I would like them to reinstate my previous credit limit.

Write something along these lines.

Twice now Citi has reduced my credit limit without good reason or reinstating it. Once in Dec of ** and once in Sept of '14. The 2011 one was due to "We have reduced your credit limit because your account with us shows 1 or more occurrences of late or returned payments in the last 6 months." I know I never had a returned payment and some/ not all of my mail was not being forwarded so there is a chance that maybe I was late. It states "We understand that a decrease in your credit limit impacts your access to credit and we want you to know that you may request a credit limit increase in the future. If you do so, we will evaluate your request based on the following

Six consecutive months of on-time payments

Account compliance with all terms of the Card Agreement

A review of you consumer credit report."

So by them lowering my credit limit it also causes my score to slip, if I want it restored, I will have to have them hit my credit with a hard inquiry which also causes my score to drop, hardly seems fair.

The 2014 one states, "This decision was processed by a credit scoring system that assigned a numerical value to various items on your credit report. The information did not score a sufficient number of points to maintain the previous credit limit. We have decreased your credit limit due to the following reason(s):

Derogatory public record or collection filed

Ration of revolving balances to credit limits too high

Recent derogatory public record or collection

Too many inquiries in the last 12 months."

When I called to tell them there was an error on my credit and I have NO "Derogatory or public record or collection filed" and NO, "Recent derogatory public record or collection." They said, "You can apply for a credit line increase." That is not what I want. I want my previous credit line reinstated as there are no negative items on my credit and my balances are actually lower than they have been in years. As far as my "too many inquires in the last 12 months" my husband and I were shopping for mortgages and a house. Every 60 days we had to reapply for a pre approval.

I understand banks need to mitigate their exposure but they are also doing things to pad their bottom line. By cutting someones credit line they show a higher percentage of usage which drops their score. Then if you want it reinstated they hit you with an inquiry which drops your score. Meanwhile the drops in score can and usually equal a higher rate thus padding their bottom line. Long and short of it, my credit hasn't gone down. At the time that they pulled it there was an error but that item was removed and now my credit is as strong as most all tier 1 customers.Desired Settlement: Reinstate my credit line

Business

Response:

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

Consumer

Response:

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

I have made several phone calls to [redacted] at Citi Bank. She was the one that was assigned to this case at Citi. She has not returned any of my calls. Here is my call log:3/** at 7:42 pm3/** at 8:31 am4/* at 3:45 pm4/* at 6:13 pmI would like my credit line re-instated. I do not want my credit to be pulled again, as that will affect my credit score and I am trying to buy a house. Please let me know what you can do to take care of this matter.

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: [redacted] claims that had or have a balance with them,witch it is not true, to this date I have not receive a state meant, phone call, e-mail, or any notification from them ( [redacted]). I told them Im a victim of fraud. And the only response they give me is " we can not help you " and give me the run around with different # ( phone number )

Product_Or_Service: Credit card

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

I want a full refund of the amount I had to pay to uncore midland ( ###-###-####) (collector )and any negative credit by [redacted] to be fix ( to any and all agency).

Business

Response:

Good Day All, Please be advised that we are working with the customer and the Consumer Financial Protection Bureau (CFPB) in an effort to reach a resolution. Regards,[redacted]Executive Response Unit

Review: When I applied to the credit card one of the benefits of the offer were to receive a Admirals Club One day pass. The small letters to the offer states that the passes will arrived within 4-6 weeks after the qualifying spend. I have earned my qualifying purchases. Therefore, I called the credit card company on April and they stated that it is not 4-6 weeks but 6 to 8 weeks, again not what is on the offer letter, they mentioned that they were going to send an dispute and all I got was a letter stating that it will take 6 to 8 weeks. I called today since it has been more than 10 weeks and still was not able to get a response of why they cannot comply with the terms and conditions of the offer.Desired Settlement: I would like to know what happen with my passes and I would like to get the passes they were offered. I considered this false advertising and nobody can give you an answer when you call. I have complied with all the conditions and I'm expecting the company to do the same.

Business

Response:

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

Review: my [redacted] credit card had fraudulent charges made in them in the amount of $5000-$10,000 dollars in December 2014. I called and the charges were reversed, my card was cancelled and another one was issued. I look at my June 2015 statement and noticed that $2100 (4) of the fraudulent charges were placed back on my card. my daughter called on Saturday 5-**-15 to find out why they were reversed and could not get any reason. she was told to call the investigation unit by a [redacted] that stated obviously they felt that these charges were not fraud. my daughter asked if he was calling her mother a thief and he stated ([redacted]) I don't know your mother. my daughter called the investigation dept on Monday 5-**-15 and was told the charges were reversed on 4-**-15 and the person did not write any notes regarding this decision and she could not help her. she left her information for a [redacted] to call. this issue is ridiculous [redacted] breached my information and they are making me feel like a criminal because they allowed someone to access my information. in this whole matter my daughter was told that there wasn't a corporate office that could handle this matter.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like to have the charges removed from my account and the situation closed.

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:

The items are still on my statement and I have not gotten a time frame for the resolution. I feel if I state this matter is rectified because they reached out to me, they will not follow through with the problem. They have not given me any different information than before I reported this to Revdex.com.

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: My dad passed away suddenly in November 2006. After probate, I sent over administration papers, etc in 2008. They added my name as C/O to the account at that time. Yet EVERY time I call they are unable to find the papers until they've placed me on hold for 15-20 minutes (although they accept my payment monthly). Now the loan has matured and apparently there's a deliquent amount due from prior to my father's passing which has made the loan accelerate. I've been making payments to this loan for 9 years and would like to resolve this issue quickly. When trying to discuss with a specialist and after on hold for 45 minutes, they can't find it at all and I had to resubmit (which I did the very next day).

I am disguisted with Citi and their lack of ability to provide decent customer service and/or manage account documentation. They have me relive the stress of my father's death every time I call. In addition, with an urgent matter pressing it seems they are intentionally delaying the resolution as if for their mischievious benefit to obtain rights to the property. Seems deceptive. I've spent nine years ensuring my father's work in owning a home isn't in vain and will NOT let them take this from him or my family.

The customer service is horrible, they lack emotion and are sometimes flat out rude. I just want to be done with the company and will NEVER do personal business with them again.Desired Settlement: I would like to be contacted by Citi to resolve the matter of acceleration and confirm the amount due immediately.

Business

Response:

Hello, I am sending this email request for an extension to 07/**/15. If you have any questions or concerns about the status update we have provided verbally, please contact the assigned [redacted] at ###-###-####. Borrowers name: [redacted] File number: [redacted] Thanks, [redacted]

Review: I opened a Citi Thank You Preferred credit card account on 12/**/14 with conditions of “Earn 30,000 bonus ThankYou Points after you spend $2,000 in purchases within 4 months of account opening”. Before I opened the account, I read the “Terms and Conditions of Offer” carefully. I also called the Citi customer services to make sure I was qualified for the bonus points since I had opened Citi bank credit card before. The customer services staff checked my file and told me that I would qualify because the Citi ThankYou credit card I had before was different than the one I was going to apply. Then I opened the account and fulfilled the requirements by spending more than $2,000 within 4 months of account opening, but have never got 30,000 bonus points. I called customer services many times to explain my situation and request 30,000 points. Every time when I called, I was promised that the issue would be resolved, but never had a result. Finally I was transferred to an [redacted], who said he would not be able to put 30,000 points back to my account, but instead, he would credit $300 to my account. However, the promise has never come true.Desired Settlement: Please issue 30,000 bonus points or equivalent compensation.

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:

1. Citi Bank Customer Service ensured me that I would get the 30,000 Thank You Bonus Points when I called before I applied for the credit card.2. An [redacted] from the Citi Customer Service promised a $300 would be credited to my account as a compensation.These two phone conversations should be recorded or noted and the Citi should fulfill what they said.

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:

[On 6/*/15, I received a letter again from [redacted]. It was identical with her previous response. It appears that [redacted] has no sincerity to resolve the issue based on the following facts:1. As I said, before applying online, I had called (12/**/14) customer service who looked into my account history and determined I would be eligible for the 30,000 ThankYou points after spending $2,000 within first four months. [redacted] said she was unable to locate the phone call. I believe that was due to the customer service staff’s failure to make a note of this conversation.2. After I met all requirements and did not get 30,000 points, I called customer service at ###-###-#### for many times and was given different explanations. Finally, I was referred to an [redacted] who reviewed my account and agreed to credit $300 to my account. It was around the end of February, 2015 and the [redacted] was a gentleman. [redacted] said she could not find the records of the [redacted]s offer. That’s the problems of the customer services’ record keeping. If I had not been promised of the $300 credit by the [redacted], I would not file a complaint against the Citi with the Revdex.com.3. When I received a response letter, I was given a discontinued phone number which made me have no way to reach [redacted].4. After I got the correct phone number, I made 3-4 times phone calls every day from 6/*/15 to 6/**/15 and had never reached a real person.Therefore, I request my case be reviewed by [redacted]’s supervisor or a higher level of management for a reasonable compensation.]

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 him/her directly.

Review: Citicards has sent me multiple credit card offers over the past year. All of these offers involved earning [redacted] miles if you spend a certain dollar amount on a credit card. I signed up for a credit card offer in March and Citicards promised 40,000 bonus miles if $3,000 was spent in three months. I spent $5,000 in three months and they declined my miles because I had a previous account with Citicards. They were deceptively soliciting my business with no intent to ever deposit these miles. The employee I spoke to at Citicards was in agreement that their practices were deceptive and that they should do a more thorough job with their marketing campaigns of avoiding existing or previous customers.Desired Settlement: I do not want anymore marketing material from Citicards and ultimately would like these miles that I earned awarded to me.

Business

Response:

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

Review: Citi refused to investigate a legitimate billing dispute I have with a moving company which mishandled and destroyed the furniture in the process. Citi claims the the services were rendered and I can NOT file a dispute and refuses to investigate the issue with the business. Citi assigned the reference number [redacted] when I initially opened the claim and closed it soon after. I am unable to reopen the claim and the billing dispute department refuses to help in any way.Desired Settlement: I would like reversal of the charges or fair settlement with the moving company.

Business

Response:

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

Consumer

Response:

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

I received a phone call from a Citi representative only to explain why nothing further can be done with my dispute. The agent offered nothing to resolve the complaint. I still disagree with the explanation presented and I was made aware that no further attempt will be made to reach my satisfaction.

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

Sincerely,

Review: My Citi Advantage Gold credit card was closed because of technical errors made by my bank. I was making an additional payment on top of an automatic payment. My bank, a municipal credit union, was more than a week late in updating account activities on their website, which caused a delay in payment as well as erroneous account information. Citi asked me to get a letter from the bank stating their mistake, but my bank would not print letters outside the pre-generated ones in the system. I am no longer with this bank.

I would understand if Citi closed my account because I had failed to make a payment that cycle, but I was sending additional monies on top of an automatic payment, which went through. In good faith, when I learned Citi closed my account, I paid a large lump sum and then in less than two month's time, paid the account balance in full. I don't understand why they would close my line of credit over technical circumstances that were out of my control. Plus, closing my account when I was proactively trying to pay off a greater portion of my debt, seems to punish the very action that banks should be nurturing.

I kindly request that you reopen my account.Desired Settlement: I would like my Citi Advantage Gold credit card reopened.

Business

Response:

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

Review: As of my February [redacted], 2016, billing statement I have incurred a $26.00 late fee and also interest charge of $20.60 on my statement for my Citibank thankyou Preferred credit card. I have my account on automatic payments since I received this credit card, and my personal checking account has been debited every month in the amount of $25.00 on the due date.

I also was signed up with a 0% promotion when I obtained the card in July/August of 2015 with no interest until June/July of 2016.

The customer service agent advised that I have incurred interest charges since June 2015 on my account, and I was not notified of this, as I did not receive any e-mails on my account, nor written correspondence in reference to this matter.

I am being billed fraudulently for interest and also billed a late fee.

I spoke with Citibank credit card today and was informed that I never was given this promotion, which, is inaccurate and that my payments changed from autopay to recurrent, which, I DID NOT DO AND DID NOT AUTHORIZE TO MY ACCOUNT.

I also did not receive any e-mail notifications to my e-mail address about any changes regarding the above issue nor changes to my account. Nor did I receive written correspondence via mail, nor was I contacted via telephone regarding any such changes to my account.

I have paid my balance in full for the amount of $3467.38.

I was informed by customer service once the account was up to date in payments, I would receive a credit of my late fee and interest charges accrued.Desired Settlement: Credit of late fee and also refund/credit of all interest charges accrued to account since June/July of 2015.

Business

Response:

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

Review: The charges they currently have are incorrect and they ctoninue to ignore my dispute requests

I have now sent my disputes to numerous government agencies and [redacted] will be fined for the violations they ctoninue to make on my account they have demanded payment and added numerous fees to my account without correcting any issues and incorrect chargesDesired Settlement: They need to clear the balance on the card they show including any and all fees they have added as these are incorrect and they are well over the 90 days allowed to correct these issues

They also need to remove the negative reports from my credit reports and files

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]

The issues are still not resolved I'm still getting numerous phone calls and collection letters and negative reports on my credit I have not received a response and still don't see anything

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

Sincerely,

Business

Response:

We have corresponded directly with our customer via certified delivery. If you would like to further discuss the resolution, may I suggest you contact him/her directly?Thank you,[redacted] 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:

[Your Answer Here]

I have not received any mail from the, at all. I have continued to file complaints and they refuse to assist and continue to lie they responded.

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

Sincerely,