Citi

Review: I've been a customer for two years and have almost payed late 4 times, but citibank called all 4 times reminding me and I payed immediately. So I got accustomed to a call from them if I was late therefore I wasn't worried about being late due to the call. I was late in July 2014 and they failed to call me and remind me this time. They then put a late payment on my credit report causing my credit to go below a 620. At this time I was trying to refinance my home and being under 620 was denied. I want this late charge off my credit immediately or will sue for funds lost due to there practices of business.Desired Settlement: My credit report be cleaned of this incident immediately.

Business

Response:

We have not received confirmation that the customer has given permission for us to discuss the account with the Revdex.com; therefore we have responded direclty to the customer.

Review: I requested changes to my payment due dates to two of my credit card accounts. I was told that this would not result in changes to my account. However, I was charged $325.81 in interest. I was later told that this was because a billing cycle had been skipped. However, I paid the August bill on time. The September date was simply moved to a later date due to my unemployment status. An additional $315.04 was also added into my balance as they said I'd gone over my credit limit. I never received any notification of this. My minimum payment went up to $756.85. I called them to see if the amount could be adjusted as I've been a Citi customer for over 20 years. They refused to adjust it or to credit the interest. I would like the interest credited and the minimum payment amount adjusted. The second account was charged additional interest of $183.06.

I have been a loyal customer and have made nearly all of my payments on time. I don't think that Citicards should be able to mess up my credit history due to unethical practice.Desired Settlement: I would like undisclosed for moving my payment date of $315.04 and $183.06 credited. I would also like my minimum amount due of $756.85 adjusted. Again, I was not notified that changes in my payment due dates would result in this outrageous interest or I would not have moved the due dates. Additionally, I was not notified that I had exceeded my credit limit. I would like to continue to pay my debts due on time but given these circumstances and my situation, I will be unable to make the payment if Citicards refuses to work with me.

Thank you for your consideration in reviewing this complaint. I look forward to its resolution.

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:

Interest was only credited for one account rather than both accounts.

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

Sincerely,

Business

Response:

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

Review: I was approved for a Sears Card by Citi in 2010. Since then I'd been making timely payments, however, the card expired in November 2012. I was expecting an automatic renewal since I'd never missed a payment. I called Sears Card to find out when I could expect to receive my new card. I was then told by a customer service representative that my card would not be renewed and the status of the account was closed and couldn't be reopened. The representative couldn't provide me with a reason why. She said I was the eighth person to call that day with the same issue. I continued to make payments on card that I couldn't use, and I was later put on a payment plan of $92/mo. with no interest. It is absolutely ridiculous to keep making payments on card that I can't even use.Desired Settlement: I'm requesting that the debit be forgiven leaving the account with a balance of zero.

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,

Executive Response Unit

Review: From my bill in April (2014), I have been trying to speak with somebody related to unauthorized usage of my [redacted] credit card number because of purchase which I DID NOT MAKE. Each time I called [redacted] 800 number I am put on hold for 10-minutes up to 30-minutes. Thus I would hangup after 5-minutes. I refuse to pay for a purchase that I did not make but in the mean time [redacted] keep adding late charges. Well, this past Saturday, I received two different emails. One from my bank ([redacted]) and wow, one from [redacted]. both stating that my accounts with both had been breached as part of the [redacted] security breach. Because of that [redacted] has cancelled my debit card and is sending me new one. WOW, strange that [redacted] email to state that my account was breach when I had been trying to say this for months. Strange that [redacted] raised my credit limit a month before they were hacked into. I had always paid-off my bill buy after this unauthorized usage of my credit card number and being charge for something I did NOT purchased, I refuse to pay for it.Desired Settlement: DesiredSettlementID: Refund

I request that [redacted] correct my account and my credit report since this is the very issue as to why I refuse to pay (unauthorized usage) and they continue to place (what they call) value customers on hold for a very long time.

Business

Response:

Thank you for your communication regarding [redacted]’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.

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]

Here is my response to them:

Here is my issue again:

1. I paid my bill for Feb but expect for $2 then my April bill came in with a late charge for $2 of $27. WOW, where did they come with a late charge of $27 for just $2. Citi Bank came off with some off the wall BS but DID NOT just plainly answer the question. Their customer personnel has send so much ** to people to try and show as to how intelligent she but in reality she just sound stupid because of that. She needs to learn to just answer the question only and not try to send **.

2. Citi Bank also provided proof that I did not use my [redacted] card since March because I would not pay for something so low which I can use my debit card for. When I buy garden supply I travel to Lowes just because they are closer to my home then [redacted]. Lowes prices are also cheaper on garden supplies. Thus I know that I did not use my [redacted] card.

The distance from my house

1. To Lowes = 5.59 miles

2. To [redacted] = 7.75 miles

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 [redacted]’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.

Review: I was charged 5 months ago for a vehicle rental that was not authorized to use my credit card. They were authorized the 100 dollar hold on the rental, but insurance was to pay the bill. Upon getting notification that I was charged for the rental on my credit card, I contacted Citi who is the holder of my [redacted] credit card to dispute these charges. Since that initial call in either may or june of 2014, I have called repeated times to check on the status of the dispute claim. Every time that I have called, I have been told that the previous dispute was never filed proper, and that I would have to re file a dispute. This has happened four times now, and every time I have been told that it could take another 6 weeks to complete the process. This is unacceptable. I have been given the same story every time that I have called, and nothing has been done, there have apparently been no notes on my file about my calls. I have faxed over complete information twice because apparently the first time, they could not find the information. This has been 5 months now, and in the process, my credit has been in limbo, and I have been paying interest on charges that do not belong there.Desired Settlement: I would like the original amount of the disputed charge taken off of my account, as well as the charges and fees that have added up from interest and random fees over a five month period.

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:

They have made no correspondence in the six months up to this point, and have done little if anything to resolve the issue. What makes me think that will change now? I will keep this case open until a remedy has presented itself.

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

Sincerely,

Business

Response:

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

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:

Once again, the same exact response. This is getting nowhere, I have kept all correspondence and I will be taking legal action.

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

Sincerely,

Review: Dear Revdex.com,

I applied for a Citibank credit card. It was approved, but later canceled because they could not verify a phone number in my name. I use [redacted] for a phone. After verifying a family member's phone number, they claimed everything was ok, then I call back and it wasn't ok. Unfortunately, the account was closed due to fraud because they could not verify my phone number. I am fully aware of the nature of ID theft and I understand their reluctance to offer a line of credit. I do not want to do business with them either.

But they reported me and my account as fraudulent to other agencies. The result was that my [redacted] account has now been suspended/closed for fraudulent activity.Desired Settlement: I wish to have my name cleared and removed from any fraud databases to which they have reported.

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 originally opened the [redacted] account in June 2007 during a special promotion over Fathers Day weekend. The offer was 1 year, no-interest on purchases if the amount was paid off within one year of the purchase. I paid the balance of the account IN FULL in April 2008. Although the credit history does not presently show all entries dating back to the beginning of the debt in July 2007, it did show that I made on-time payments except for 1 month for the entire length of the debt. And I made no other purchases with that account after the initial purchase.Despite that, [redacted] claimed additional charges, not honoring the terms of their original offer, AFTER I was given the final payment amount and paid that balance, which I disputed. That is reflected in the account history shown on my credit report with the supposedly late payments beginning in May 2008. However, as I mentioned earlier in this letter, [redacted] charged off the amount in question less than 6 months later, which rendered my balance with them to $0 owed.A company called [redacted] then bought it from [redacted] about that same time.It is my understanding that [redacted] is a company that buys old debt from other credit companies and attempts to collect on it, even if the debt has been settled with or written off by the original creditor. This appears to be the case in this instance. I am presently involved with a separate dispute regarding [redacted].Having this on my credit report for this entire time has caused substantial damage to my credit scores at all three credit reporting agencies.

Product_Or_Service: electronicsDesired Settlement: DesiredSettlementID: Other (requires explanation)

I want this company to stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If they stop collection of this debt, and forward or return it to another company, I want them to please indicate to them that it is disputed. I want it reported to all credit bureaus that the debt is disputed. Ultimately, I want this debt removed from all credit reporting agencies immediately.

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: Late Fee Dispute

I was looking through my junk email folder and noticed and email from [redacted] of a $85.97 balance of a card I have not used in over 6 months plus. I called the rep and they stated there is an annual fee of $59 plus the remaining charge is the $25 late fee.

I explained to her that I have not received any mail to my home as I have not used the card for such a long time and being that I viewed this in my junk email this is not my fault.

I proceeded to tell her I will pay the annual fee with the understanding that the late fee gets removed.

After payment was taken she than proceeded to tell me that she couldn't remove the late fee AFTER the fact the annual fee payment was made.

1) I have not used the card that was a zero balance for over 6 months plus.

2) They failed to communicate with me via regular postage mail of my annual fee.

3) I have never been late with this company.Desired Settlement: I want the $25 late fee to be reversed as it was clear that [redacted] did not due their diligence and notify me appropriately.

Business

Response:

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

Review: For the past 2 months I have made my payments over the phone because I could not get their website to work. Both payments were rejected although I didn't know that till late and it ruined my budget. I pay all my bills, then not worry about them live my life and wait till the next month... So I did payments on the phone because I can get verbal confirmation that very INSTANT that my payment was accepted and overt and done with bam go on the rest of my life.. so I get online days later and I have all these emails...

Saying payment rejected and DEMANDING MONEY NOW... DELINQUENT ACCOUNT DELINQUENT this and that... after lying to me telling me my payments was accepted being confirmed by their staff HUMAN to HUMAN over the phone.. when they clearly denied payment of $300 on November [redacted]... Then THEY CHARGE ME $22 AGAIN for a "returned check" what this means I have no clue because I don't have or use checks I made a payment over the phone..Over the phone for the 2nd month in a row.....Deny my payments then charge me a $22 fee then get on my [redacted] for not paying my bill... So I spend my ENTIRE lunch break calling these guys trying to figure out why they aren't accepting my payments...then charging me fees and blowing my up e-mail box and all they could say after wasting my 1 single break I get all [redacted] day was that it was either a problem on their end or my banks.... NO [redacted] Sherlock Holmes... notice I am not a culprit for trying to pay my bills! I am not going to pay multiple fees for actually trying to pay my bill wasting my time on the phone... You know how long it takes.. multiple transfers a little automated stuff where you have no options with ROBO COP.. its not fun. So I call them again tonight [redacted] and I get some lady with a STRANGE ACCENT I can't even understand.. and shes says to me straight up... That her records show I tried to make the payment ONLINE!!!!!!! This wasn't possible as my passwords didn't even work and records for the past few months show that I call asking for help with my online account all together bypassing it and just making payments over the phone... PERSON to PERSON so you get REAL confirmation..

So in short, I am making payments with REAL PEOPLE REAL employees of Citi and not just little minimum $23 dollar stuff but $300 payments that are accepted and confirmed then not accepted when I am off the phone so they collect $22 fees and harass me calling me a delinquent for NOT PAYING MY BILLS!!Desired Settlement: I am NOT going to pay $22 fees in this Citi scam... I also want my account updated and itemized already so I can see a list of charges as my card was stolen and the balance looks higher than it was the last I actually had the card. They swiftly sent the new card and I activated it but its USELESS and doesn't work.. and I can't use it because I apparently am a evil DELINQUENT and don't pay my bills!!! Then they lady on the phone with the weird accent demanded that I make a minimum payment to get it to work... but with the last two payments being rejected and me charged $22, I'm not interested... she couldn't even confirm that I would get charged a fee again if I paid her the minimum!!

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: I keep having issues with [redacted]s C.S. I have tried in Good Faith To fix the situation by continue to have no customer service provided.

Im just trying to activate my debt protection but I havent been able to since jan, If im correct it shouldnt be this difficult to be able to activate Debt Protection yet here I am still trying to figure out what I have to do. if im correct its also agianst the law for it to be this difficult to activate the account.

[redacted] I dont even know what do anymore, ive given up on this comapany & now maybe even citi, I defenitly Know what the problem is now. It's me. I keep coming back to this company thinking you guys are gonna be able to assist me, yet I get no customer service at all.

I bought a laptop with you guys & it stopped working before the year promotion period even ended, after I tried in good faith to fix the sitation with [redacted] they were trying to charge me 200$ to install a driver cd that I had & beloned to me that I brought into the store & further wanted me to wait 2 weeks for it. I tried writing a letter to you guys like it says on the back of each statment about not being satisifed with a product or service & almost got the cops called on me by your managment, Yes I have a right to be upset, Debt Protection wanted me to pay 200$ upfront then cover the cost "if it appllied" so wasnt for sure they were gonna cover it, further [redacted] knew or should have know that all I needed to do was put the cd in & it did all the work by itself. This is not customer service, at least I pray to God its not.

So ive recently lost my job in dec I was in [redacted] trying to find work but wasnt able to, debt protection would not cover me since I could not provied them with a letter from [redacted] work force. I was in [redacted] with no money to come back & I was trying to look for work I wasnt gonna come back to [redacted] on a whim that debt protection might help me. So now Im back in [redacted] & finally got the paper to fax in, I even went into the [redacted] store to fix the issues. well not I have to wait for them to send me out a letter, cause they cant email it or fax it, & then some one has to review it for about 2 weeks & thennnnnnnnn ill get a response to see if I was approve to the debt protection program? thats customer service? I wouldnt wish that on the world to anyone having hardships in there life having to worry about some lesiure credit card ;/

I have been having the same issues with the Debt Protection Program. I have been also trying since Jan. To get my payment protection to assist me since I have had loss of job,

I just want to get The Customer Service & product i'm paying for. On the back of every statement they send out says " If you are dissatisfied with the good or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.

I have tried several times to fix the issues I have been having with [redacted] going into there store to fix the situation. It is now the 3rd occasion that I have been harassed by management about calling police force, since I am upset that I can not get any customer service & have the [redacted] literally trying to steal 200$ in front of my face.

I have worked in Customer Service Since I was ** & have never ever had to call the cops on anyone no matter how upset they were, As a manager he should be able to handle the situation yet all he wanted to do or told me was to calm down or that he was gonna call the cops. I am obviously not being listened to & that is not customer service, I have only been asked for solutions on the issue's that have arisen but have never received any any solution from [redacted]. After I give them my solution they say they can not help me with that & proceed to give me the run around to the phone & in the store, by citi [redacted] & debt protection. this is not customerDesired Settlement: I can pay my own credit card but the debt protection service should cover it, It is said that it is illegal to be this hard to get debt protection, all I want is some customer service & them to be able to uphold there shady products. as it says on the back of each statement they send me out each month "if I am dissatisfied with the goods 7 services thay you have purchaesed with your card & have tried in good faith to coorec the porbelm with the merchant you may have the right not to pay the rema

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: I made a purchase in of flooring in June/July of 2013. Apparently it was done on a 6 month promotion. The purchase that was made was actually credited back to my account shortly after by home depot because the product was defective. Come to find out, Home Depot applied the credit to what they call the "wrong" part of the SAME card. Not my fault! They had all of the paperwork, receipts and all since this was such an issue. Now they are charging me over $120 in interest because it wasn't applied to the promotion. AGAIN, NOT MY FAULT! They applied the credit!!

Product_Or_Service: Laminate FlooringDesired Settlement: DesiredSettlementID: Refund

I would like a refund on the interest charged.

Business

Response:

We have corresponded directly with our customer. If you would like to discuss the resolution, you may contact the customer 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 am not sure who they have contacted, but it wasn't me. The only contact that I have had was with customer service

rep , who was of no assistance in resolving this matter. If I have overlooked something,please let me know.

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

Sincerely,

Business

Response:

We previously replied to [redacted] by mail on January **, 2015. [redacted] would need to allow 7-10 days to receive the resolution letter regarding her concerns.

Review: My complaint is the fact that [redacted] debited the wrong amount from my debit card. $25 was agreed upon but $96 was debited from my bank account.

Dear Revdex.com:

My name is [redacted] and I've been a [redacted] Cardholder for 10 years. I've never gone over my credit limit. However, I've always kept my account current when I've made purchases. The reason for my letter is because I have been treated unfairly when it came to being compensated for the WRONG transaction that [redacted] made on my account. [redacted] admitted to wrong doing in the first place. They have it noted in their system that I said $25 NOT $96. My account # is [redacted].

On January **, 2015 [redacted] called me regarding my balance and I specifically told them that I would pay $25 and it was agreed upon. As a matter of fact, when I called the following day confirming the agreement, [redacted] made a note of it. When I checked my account on Saturday, I found that my account had been debited $96 dollars. I was very angry because I was going to [redacted] to purchase medicine and buy food. I checked my account and found that I had nearly nothing. Citibank had debited the WRONG amount. Not to mention it was a holiday weekend and I had to make other plans because of the inconvenience. Also, I have other creditors to pay and I had to put them on hold and stop payment because of this wrong transaction. Moreover, I had to borrow money to make it through the week.

I called [redacted] on Tuesday January [redacted] and I was told that I would be refunded my money within 3-5 business days. I asked about being compensated for the inconvenience this caused me because I had to borrow money and put other important things on hold. The response I got was a simple "No". Where is it written in their policies that I can't be compensated for the stress and bind this put me in? After all, it was THEIR FAULT that they did this.

Sincerely,



[redacted]Desired Settlement: I'm seeking $300 for the inconvenience they caused me. After all, [redacted] admitted to wrong doing in the first place. They have it noted in their system that I said $25 NOT $96. As a result, my bank account is overdrawn.

Business

Response:

We are sending a written response to the customer on February *.2015, that should be received within the next 7-10 days. If the customer would like to share this information they can provide a copy of our response to the Revdex.com.

Review: Accidentally charged moneygram transaction on citi credit card instead of debit card. Contacted citi customer service and they told me that the cash advance fee can be waived and mislead me regarding interest accumulation. I was informed that the interest will be charged from the day cash advance fee posts and not from the day transaction posts to the account. Even though I had my doubts I believed customer service and now paying a price for not going with my gut. They are now telling me that they cant waive the fee and on top of this I have been charged interest. To stop getting charged interest I paid the amount in full but the bank should own the mistakes of its customer service. I have also informed the supervisor but doesn't seem like she will do anything to fix the mistake.

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: I have student loans with Citibank, N.A. For the years of 2011 and 2012, Citibank failed to send me Federal Tax Form 1098-E. As a result of the untimely delivery of these forms more than a year later, I am expected to take my time and resources to amend my tax forms. This costs me money in the form of the taxes I paid and it costs me money in the time I must devote to handle this matter. As a practicing attorney, my personal time is valuable and far exceeds the $300 reimbursement that Citibank has offered -with proof of receipts for services rendered by others and neglecting to consider my personal time and efforts. What Citibank has done was irresponsible and it's current attempt to remedy the situation is annoying and only raises a flag of concern that could have been avoided.Desired Settlement: I want them to be responsible for obtaining the records necessary to ensure that I do not need to modify my tax returns for the years 2001 and 2012. They have tax experts on hand but in a very limited role. I want Citibank to dig up my tax transcripts, which I am unable to get from the government online and review my interest paid and take care of this. I should not have to devote my personal time to looking into this matter.

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 worked with a salesman named [redacted] at this [redacted] Outlet store. I first went to this store January [redacted], 2015.I was told that if I opened a [redacted] Credit Card with my purchase I would get 0% interest for 24 months. I was offered various warranty policies at various prices.I went back to this store February [redacted], 2015 to work with [redacted] again and I asked [redacted] to write up my order for a stove, two washers, and a dryer.While entering the details into the [redacted] Outlet system [redacted] informed me the the warranties he had just described had apparently changed that day and were now either not available or were altered.I then told [redacted] that I would make my purchase, and that I want to take advantage of the 0% interest rate for 24 months when opening a new [redacted] Credit card with this purchase. He then told me that the 0% for 24 month ended the first of the year (January [redacted]) which is impossible because I didn't even arrive in Arizona until January [redacted], 2015.Prices,warranties, and policies change without notice. I say "without notice" because many of the parameters of the sale changed without the salesman knowing about the changes until he tried to ring up the sale.Over and over again he said,"they don't offer that warranty today." "I rang up a sale yesterday and that warranty was good yesterday." The bigger issue is that I decided to go ahead with the purchase and [redacted] credit card screening. We spent a long time on the phone with the [redacted] credit department. Just as we were almost through the call, the [redacted] credit person disconnected the call so we had to start over. We went through the process again.I was then told that I was turned down for the card probably because I have 2 addresses.I want you to know that my credit score is nearly 800. I own 5 buildings and on my desk I have combined credit card offers for $100,000 at 0%. I haven't paid a bill late in 30 years. You will never find anyone more credit worthy than me or as patient with the "policy for a day" policy at [redacted].I left without making a purchase.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want the deal that was offered to me! I want a further review of my credit worthiness without any more inquires into my credit score. The score goes down with each inquiry. I want 24 months of 0% interest as offered to me because my credit is spotless.I want an apology from the store manager, [redacted], and I want free delivery of my order with free setup.My anger is appropriate given the shabby, confusing,inconsistent, sales approach I endured.

Business

Response:

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

Consumer

Response:

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

[Your Answer Here]

Sir.We spoke on the phone last week while I was in Chicago. I am now in Glendale, AZ, where I have access to my laptop records.I did send an email February [redacted], however, I sent it from my old laptop.In that email, I checked the “unresolved” spot because…..I did receive a phone call February[redacted] , from ###-###-####. I spoke with a woman named [redacted], or something like that while I was hiking in the mountains outside of Phoenix.I told her that this was the first response I had received and that is was now over two weeks since I registered my complaint. She offered my the 0% financing that I had been turned down for in the [redacted] Outlet store. I told her I don’t have paper, pen, or anything to reference the issue while I was in the mountains. She told me to call her in a few days to let her know if I wanted the 0% financing.She also told me that the reason I had been turned down in the store was because I have two addresses. I do have a home in [redacted], Illinois that I have lived in for 28 years and a home in Glendale, AZ which I own free and clear and have lived in over three years. I haven’t been late with any payment in 30 years. I have a very good credit score which they checked, alt least, twice because they kept dropping the credit check call in the store.I got back to Glendale late the next day from my trip and called her. I left a message asking her to call me because I wanted to know the parameters of the 0% offer along with other questions I had such as: Is the 0% for 24 months or 12 months? I had been offered both. I had also been offered specific products of the 5 appliances I intended to purchase. Will they honor the prices I was quoted then, and also, will thy honor the warranties that I was offered? I ask this because even the salesman was unaware of changes to the warranties, prices, and credit card offers he had offered me.When he started to ring up my sale there were changes to prices, warranties, and then the 0% financing.I think it is reasonable for me to ask the parameters of the deal and I think it is reasonable that someone should have communicated with me the specific parameters of the offer. No one called me back.I sent another email saying I was unsatisfied with their response which consisted of a phonetical while I was hiking without any discussion of the specifics of the offer or a time limit mentioned.Dealing with [redacted] has been a miserable experience, especially since my mother was an assistant in the finance department in the [redacted]. She was with [redacted] for 22 years.Nobody with good credit wants to be turned down for a $1500 credit card on the basis that I own two homes and nobody likes to be ignored when making a complaint.Sorry for he length of this email.Thank you. [redacted] ###-###-####[redacted]

Sir.We spoke on the phone last week while I was in Chicago. I am now in Glendale, AZ, where I have access to my laptop records.I did send an email February [redacted], however, I sent it from my old laptop.In that email, I checked the “unresolved” spot because…..I did receive a phone call February[redacted] , from ###-###-####. I spoke with a woman named [redacted], or something like that while I was hiking in the mountains outside of Phoenix.I told her that this was the first response I had received and that is was now over two weeks since I registered my complaint. She offered my the 0% financing that I had been turned down for in the [redacted] Outlet store. I told her I don’t have paper, pen, or anything to reference the issue while I was in the mountains. She told me to call her in a few days to let her know if I wanted the 0% financing.She also told me that the reason I had been turned down in the store was because I have two addresses. I do have a home in [redacted], Illinois that I have lived in for 28 years and a home in Glendale, AZ which I own free and clear and have lived in over three years. I haven’t been late with any payment in 30 years. I have a very good credit score which they checked, alt least, twice because they kept dropping the credit check call in the store.I got back to Glendale late the next day from my trip and called her. I left a message asking her to call me because I wanted to know the parameters of the 0% offer along with other questions I had such as: Is the 0% for 24 months or 12 months? I had been offered both. I had also been offered specific products of the 5 appliances I intended to purchase. Will they honor the prices I was quoted then, and also, will thy honor the warranties that I was offered? I ask this because even the salesman was unaware of changes to the warranties, prices, and credit card offers he had offered me.When he started to ring up my sale there were changes to prices, warranties, and then the 0% financing.I think it is reasonable for me to ask the parameters of the deal and I think it is reasonable that someone should have communicated with me the specific parameters of the offer. No one called me back.I sent another email saying I was unsatisfied with their response which consisted of a phonetical while I was hiking without any discussion of the specifics of the offer or a time limit mentioned.Dealing with [redacted] has been a miserable experience, especially since my mother was an assistant in the finance department in the [redacted]. She was with [redacted] for 22 years.Nobody with good credit wants to be turned down for a $1500 credit card on the basis that I own two homes and nobody likes to be ignored when making a complaint.Sorry for he length of this email.Thank you. [redacted] ###-###-####[redacted]

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

Sincerely,

Business

Response:

Tell us why here...We will be corresponding directly with the customer as Citi has not received authorization from the customer to release information to your office.Regards, [redacted]

Review: I had a dispute with a charge I received from [redacted] Store. I did not receive the services I was paying for. The company cancelled my order. However, the charge of $99 still remains on [redacted] credit card. I sent my dispute to the address listed on my billing statement. I was repeatedly asked to submit answers to the same question at least four times by e-mail. Even though I repeated the same information several times ( and mailed in the requested documentation too ) I was sent an e-mail Saturday, December [redacted] stating "because you did not send in the requested information we have no alternative but to charge your credit card". WHAT? Incompetency? Left does not know what right is doing? Communication breakdown? WHY? I will not pay for something I did not receive!Desired Settlement: I want a complete investigation done on the persons responsible for this inconsistency to be questioned. I want to know WHY this really happened and the situation rectified. [redacted] card credited for $99! As my original dispute had requested.

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.

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:swer Here]

I haven't heard from anyone from Citibank!

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 heard from the bank. If I did not receive any product from [redacted] I should not have to be billed or pay for any product or service not received.

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: Got no contact from creditor regarding account. They kept adding interest and late fees.

In January made small purchase of $55. They usually send me a ebill, call or text but I didn't get anything until yesterday when I got an email. Charges up to $177 on a purchase so small. They purposely didn't even send me a letter to keep adding money to their pocket. Totally not right. I always pay my accounts on time and have a high credit rating. I want those charges out.Desired Settlement: I want to pay for my purchase but do not agree to pay for their fees and charges they're trying to steal money from me for services they didn't provide like at least a late payment letter.

Business

Response:

We have responded directly to our customer. If you would like to discuss the resolution, you may contact our customer 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 still want me to pay a full amount. One of their professionals hung up on me when I questioned the number they were calling apparently. I have my phone records as proof they never called me. They need to call me or rather send me a written letter about this complaint. Nothing has been resolved directly with me.

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

Sincerely,

Business

Response:

We mailed our resolution letter directly to [redacted] on April *, 2015. [redacted] needs to allow 7-10 days to receive the letter.

Review: Payment frequency and magical "cycle date", late payments if you pay before the cycle date because two payments show in one month

This is one of many credit card practices that seem ridiculous and probably contribute to america's problem with credit. For a few months I made 2 online payments to [redacted], thinking that would always keep me ahead and if I accidentally was late on a payment it wouldn't really matter because I was actually ahead of what was required. supposedly there is a magical "window" where you can make payments and if you make two within a 10 day period, it will not apply to the next month, instead it applies two to that month and it shows the next month you are delinquent. This is the dumbest thing I've ever heard of - penalizing people for being early??? They tell me it is the federal credit card rules, that you have to make a payment during each "cycle" - so if I accidentally pay a day early, it says I'm missing a payment. Talk about stupid - who is making these rules? I understand you don't want people missing payments but I was punished for paying early! This is just one more excuse they can use to knock you out of your special promotional rates. Someone should really take a look at this "rule" because it makes absolutely no sense.Desired Settlement: First of all I'd like to know if this "law" is really the law or if it is [redacted]'s little rule to screw over its customers. Second they should really take a look at the practical side of what they are doing. It's not customer friendly and I won't be shopping there anymore.

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 her directly?

Review: Balance transfer was completed through another financial institution to pay off balances on the citibank cards one of which erroneously was not paid.

On June ** 2014 two balance transfers were completed through [redacted] for Citibank's Credit card #[redacted] (Card A)and [redacted] (Card B). Card A for the balance of $5,050.16 and Card B for the balance of $2,710.00 were paid according to [redacted] and the statement we received. We were also charged for the transfer interest for both balances. Several months later after initiating and completing the transfers, we started to receive calls from Citibank stating that we were late in payments and were incurring late and interest fees. After several attempts of calling both institutions back and forth trying to resolve the issue, no resolution was granted because Citibank nor [redacted] recognized their mistake and took ownership of the problem. Our credit has been seriously impacted because of this issue. An investigation on Citibanks credit card (B) will show that the balance on the card is due to the late fees and interest that have been charged on the card after this incident. Not only has my credit been negatively impacted by a bank's mistake but also my daughter [redacted] who is an authorized user on the card, was also affected by this. Her credit plummeted 40 points days before she was ready of closing on her first home, this in turn caused her PMI to go up and having to pay $75 more a month for the duration of the interest payment of her home.Desired Settlement: We are requesting that the balance left on the card be settled and for the negative hits on our credit to be completely cleared. This is our last attempt for resolving this matter before we seek legal assistance. Thank you.

Business

Response:

[redacted]Complaint #[redacted]We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him/her directly.Thank you,[redacted] Executive Response Unit?

Review: I got a call from [redacted] in 2014 asking me to renew my snowblower warranty which I did but when the [redacted] person asked to charge to my card on file I thought he meant my [redacted] Visa card but instead they charged it to my Citibank [redacted] Card which I never activated nor took out of the envelope. This bill went unpaid as I did not receive a bill in the mail or a statement. One day I get a call that this bill is overdue from Citi Cards and was 2 months behind so I paid it over the phone that day and they were understanding to the circumstances and saw that except for this warranty charge I never used the card and credited me one month of late fees(out of the 2) . Because I never used/activated this card while I was on the phone with them after completely paying it off I closed the card/account. For the last few months I keep getting calls from Citi cards that I owe them $4-$14 due to additional charges. The customer service rep was able to get credit back / waive around $10 since I paid the card completely off and closed it that day but for some reason Citi Cards has not neen able to get rid of $4 that keeps popping up on this closed and paid off account. Today I got a call from [redacted] which I know is a collection agency as they are a client of my [redacted] business. The embarrassment with my client that Citi Cards has caused me is unforgivable.Desired Settlement: Citi Cards needs to ensure this $4 that no customer service rep or their manager seem to be able to get rid off disappears forever. Secondly, I want an apology from Citi Cards due to the waste of time on numerous occasions I have to explain the story and review my account with a service rep and the embarrassment Citi Cards caused me with my client due to Citi Cards system issues. Third, I want Citi Cards to assure me that my credit score and credit record was not impacted by their issues. Lastly, I want my address and phone numbers added to Citi Cards Do Not Call or Contact lists for any future credit cards, services, banking products/ services, etc.

Business

Response:

consumer complaint #[redacted]We are responding directly to our customer through the [redacted] case submitted. If you would like to furhter discuss the resolution, may I suggest you contact him/her directly?