Citi

Review: [redacted] account third party, unauthorized charge.

Made my first [redacted] credit card charge. A substantial charge of $1143.85. When the bill arrived there was a mystery charge of $11.32. Called [redacted] customer services, they referred me to a third party, Balance Correct (###-###-####). I scolded Balance Correct and told them to remove the unauthorized charge and never charge me again. The clerk said that she could not remove the charge, I then asked for a management person. This management person said the removal of the charge was in "process" and I would receive a mailing in about 30 days with the results. I was never asked if I wanted services from Balance Correct. This seems to me to be a scam directed at consumers who do not pay attention to their credit card billings and just send in payment.Desired Settlement: Removal of the unauthorized charge. Cancelation of my [redacted] credit card account. Eliminate any and all solicitations from [redacted] and Balance Collect, forever. One cent payment for the trouble that they caused.

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 logged into my [redacted] account. It appears that they've removed the offending charge, noted the payment in full and closed my account. If that is the case, I'm satisfied.

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 always been in good standing with [redacted] credit services. I took paperless billing at [redacted]'s urging. In the mean time my cable/internet company sold out to [redacted]. My email address with [redacted] became deactivated. I could not send or receive from it.

I wen t on line to try to change my email account but c ould not ge tin because I couldn't remember my password.

I was not receiving my statements from [redacted]. After charging $113 in merchandise in 09/2014 it slipped my mind that I had even charged it.

On 01/**/2015 while checking my credit report on-line, I saw that I was being reported as being 90 days late with [redacted]. I called the company to find out what was up. I had not received any notices that I was late and was being charged interest and late fees to the point that I now owed $220.

I explained that I couldn't get into the account on line and had not received any notices that I was late. They would not consider my good standing until this incident and only took off next months late fee.

I felt that the citibank financing intentionally did not let me know I was late so that they could keep adding late fees and interest.

Is there not some regulation that requires a company notify a customer in writing if there is not response to late charges after 30 or 60 day?

I paid the bill and closed the account.Desired Settlement: I want a refunded of the late fees for November, December, January and February.

I also want the company to be required to notify a customer IN WRITING when they are late with payment after 30 days.

I truely believe if I had not caught this they would have let it keep on adding up with notifying me.

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:

Correspondence with me was initiated by me. My complaint lies with the company not sending a paper statement when the account became delinquent. One notice and I would have addresses it immediately. One late fee would have been all the extra I would have to pay. I should not have had to pay but one late fee and interest due to the company neglecting to send paper notices of overdue account. How many more customers have been talked into paperless and are now in the same shape? I will settle for the company changing policy on overdue accounts. If customer is overdue one month a paper notice should be sent to them.

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?

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that the business has no intension of making customers aware of delenquent accounts by hardcopy mail. I consider this to be bad business. My hope was that other customers coud benefit from my experience. A promise to notify customers by hard copy when they are delinquent would have been a suffcient compromise. I have cancelled other Citi Bank accounts and will no longer do business with this company in the future.

Disappointed,

Review: Interest Charged was charged on November 2014.

My complaint is that on November 2014 I was charged with 249.71 of interest. I called on Nov. **, 2014 and was told my the customer service that I am responsible for the deferred interest. I really do not understand the procedures and how they calculate the interest. I asked them if they can help me out lowering my interest rate. I have been asking help since beginning of 2014. Some of them were rude and just don't want to take time to listen.I have been paying minimum because I lost my job since 2009. Instead of being helpful I was passed on to 3 different ref. and was told that they can't do anything with the interest rate and the interest that was charged. I was very disappointed on their end that no one attempt to help me or even explaining why I was charged that much on interest rate. I am emotionally distress by this. Imagine paying 25.24 interest rate. The account used to be 2500 limit and then they decreased it to 2000.00 So now that put my acct having over the credit limit. So frustrating asking them for an explanation of this deferred interest charge.I am always on time paying this. I do not want to ruin my credit.Desired Settlement: Please I want them to explained and reimbursed that interest charge to my account and help me with the interest rate reduction.

Business

Response:

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

Consumer

Response:

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

Sincerely,

Review: In Nov.'** I bought a gift card for $50 and the [redacted] clerk offered a $10 discount if I signed for a [redacted] card.

I thought it was an upgrade on the [redacted] card I've held for about 40 years so I agreed.

My credit standing is excellent as I always pay bills promptly and I continued paying any [redacted]

bills I recxeived every month. I know I have no way to prove that I didn't receive bills from Citibank until I received

a letter from them dated Februrary **, 2015 telling me that I was delinquent. Since it didn't state for

what purchases, I called for an explanation without any satisfaction. I wrote to [redacted] in [redacted]

explaining what I considered [redacted]' and Citibank's errors. I received no reply but a new bill came in and I

wrote a second letter and called again trying to get all the late fees reduced. On the date of that letter,

April *, 2015, I sent $35 covering the first overdue fee they said I owed. That was unproductive as I continue to get bills labelled [redacted] Master Card at varying amounts: March $64, April $101 and May $103.

I went to the [redacted] store in [redacted] yesterday and was told they do not have an office there anymore and

that I should call the company!

.Desired Settlement: I want all overdue fees dropped and for the company to stop sending threatening notices.

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]

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,

Thank Revdex.com for your help. I received a phone call telling me that the amount CitiCard billed me has been excused, the bill is wiped clean, I owe nothing and the case is closed. If this is truly the case I am satisfied. Sincerely, [redacted]

Review: On March [redacted] I called [redacted] credit card services (citibank) to request that my promotion be extended so I could get the balance paid off without fees. After a brief delay the woman came back on the phone and said she could extend it a yrs. Original payoff was 6/**/15 being extended to 6/**/16. I thanked her and she said it was no problem and she was happy to help. Then I received a letter dated March [redacted] stating that they were unable to honor my request regarding the promotional offer. It was not stated to me that it was being negotiated. It was already honored.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I am requesting this company keep their word. As a business owner I understand the importance of keeping my word. If this is not resolved I will not be using [redacted] for large purchases like appliances again. Or for any other size purchase for that matter. Pay off extended to 6/**/16.

Business

Response:

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

Consumer

Response:

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

[Your Answer Here]

They never contacted me nor tried to resolve this. They have not stood behind what they said and have not made attempt to resolve

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?

Consumer

Response:

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

Sincerely,

Review: I have been a victim of a fraud and identity theft. Someone stole my Citibank Atm card and saw my pin (maybe over my shoulder I can only speculate) the amount stolen was $2831.00 without my authorization or consent. When I realized I called Citibank immediately and open a claim with the Fraud Department. Chase refunded the money next day and withdrew against the funds a few days after that saying that I authorized the transactions. I never authorized the transactions, gave the pin or join the account with the suspect or individual that did this federal crime. I went to s police and filed a police report and when the report was ready I sent a certified mail to Citibank with a return receipt and I never received any call from Citibank or any letter. In that letter I explained I was a victim of fraud and I asked the bank to open the claim, investigate and prosecute the individual that stole my funds. I want to solve this with the bank before I take further action. I'm already in communication with any organization that can help me, again I have been victimized by this theft. The funds were taking from my account generating high fees when I thought my money was secure woth Citibank that didn't act in my best interest protecting my money or sending any message about suspicious activity in my account. My account should be flagged immediately once the cash withdrawal commenced. I informed the bank immediately within the two business notification window.Desired Settlement: I want this money to be refunded, fees, interest and apology because the bank didn't protect my funds.

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.

Dear [redacted], I have the good new today that Citibank sent me a check for the stolen funds of $2,831. You don't know how grateful I am for your help and everything that you did for me to recover this money. I was a victim of a fraud and Revdex.com worked with me. I'll have a Blog online to tell people how wonderful this company is. I'm so happy and I have no words to express my gratitude to you. I'm still waiting for the other scam at Chase so I'll let you know when Chase refunds those funds too. Thank you so much! [redacted]

Sincerely,

Review: One Main sold me unemployment insurance for my loan in case I lost my job. I became unemployed July 2010 and submitted the required forms to One Main. [redacted] won't process the claim. One Main refused to assist me with what they sold me. I was advised to deal with [redacted] and not One Main. [redacted] referred me back to One Main. When I brought this to the attention of Branch Manager [redacted], he apologize and said he would look into it, but never got back to me. January 2013 I spoke again to [redacted] and he advised me that it was a [redacted] issue not a One Main issue. I was very firm with [redacted], reminded him it was OneMain that sold me the insurance and ask if they stood behind what they sold. After I mentioned the Revdex.com, he changed his mind and said he would call [redacted]. However he was not able to find my file and the paperwork I'd faxed One Main/[redacted] TWICE in the past. Nine pages of paperwork was faxed to ###-###-#### on January *, 2013 at 4:35pm at a cost of $28.02. [redacted] later called and said this was resolved. When I call One Main they have no record of this. I'm tired of dealing with this and want [redacted] to follow thru with what he said he would. I can't afford to keep faxing them proof that I lost my job July of 2010Desired Settlement: One Main Financial to honor the unemployment insurance they sold me to cover my loan.

Business

Response:

Re: Revdex.com Case ID# [redacted]

OneMain Financial Account No.: [redacted]

Dear [redacted]:

We are in receipt of your correspondence dated July *, 2013 regarding [redacted] account and we appreciate this opportunity to respond. We have reviewed the issues raised and offer the following response.

According to our records [redacted] and [redacted] obtained a personal loan with CitiFinancial's [redacted], Minnesota branch office on December *, 2009 with a principal balance of $7,691.90 and rate of interest of 21.75%. The loan was repayable in 60 monthly installments, consisting of an initial payment of $229.93 and 59 additional payments of $211.35 each. In connection with this loan, the [redacted] elected to purchase Involuntary Unemployment Insurance (IUI) with a single premium of $431.15. Please be advised, [redacted] account was transferred to CitiFinancial's [redacted] branch office in July of 2010 and on July *, 2011, [redacted] branch began operating as OneMain Financial. Subsequently, on April *, 2013, due to [redacted] closing, the [redacted] account was again transferred to OneMain Financial's [redacted] branch office.

In reference to [redacted] contention that he has filed an IUI claim, but denied benefits by OneMain Financial and [redacted], our records reflect that [redacted] received [redacted] initial disability claim request on January **, 2012. Please note, [redacted] has sent several notices (copies enclosed) to [redacted] advising of the reasons that no decision has been made on this benefit request and that the request was closed, as [redacted] has not complied with the documentation request. For your review, enclosed our copies each notice mailed to [redacted] requesting detailed documentation to ensure his request for disability benefits is reviewed and decision rendered.

We trust this response adequately addresses [redacted] concerns, however should you have any additional questions regarding this specific correspondence, please contact me directly at ###-###-####.

Sincerely,

Resolution Specialist

Executive Response Unit

Consumer

Response:

[redacted] and others I have spoken to are no longer with the the company. This concerns me because recently Citigroup was in the news for improperly disclosing personal information.

I was asked for documentation from my account at the [redacted] website. That was supposed to be the last piece of information needed to prove I was unemployed. [redacted] and the others said they could find it if they could access my [redacted] account. I allowed them to access it since I am no longer unemployed.

That documentation was submitted to the Insurance company, but now they are requesting more documentation that I was employed before I became unemployed. Why didn't they ask for that three years ago in 2010?

[redacted], the office manager I'm currently working with, found a copy of my pay stubs on file and submitted it to the insurance company. We are currently awaiting their reply.

Business

Response:

Re: Revdex.com Case ID# [redacted]

OneMain Financial Account No.: [redacted]

Dear [redacted]:

We are in receipt of your correspondence dated July *, 2013 regarding [redacted] account and we appreciate this opportunity to respond. We have reviewed the issues raised and offer the following response.

According to our records [redacted] and [redacted] obtained a personal loan with CitiFinancial's [redacted], Minnesota branch office on December *, 2009 with a principal balance of $7,691.90 and rate of interest of 21.75%. The loan was repayable in 60 monthly installments, consisting of an initial payment of $229.93 and 59 additional payments of $211.35 each. In connection with this loan, the [redacted] elected to purchase Involuntary Unemployment Insurance (IUI) with a single premium of $431.15. Please be advised, [redacted] account was transferred to CitiFinancial's [redacted] branch office in July of 2010 and on July *, 2011, [redacted] branch began operating as OneMain Financial. Subsequently, on April *, 2013, due to [redacted] closing, the [redacted] account was again transferred to OneMain Financial's [redacted] branch office.

In reference to [redacted] contention that he has filed an IUI claim, but denied benefits by OneMain Financial and [redacted], our records reflect that [redacted] received [redacted] initial disability claim request on January **, 2012. Please note, [redacted] has sent several notices (copies enclosed) to [redacted] advising of the reasons that no decision has been made on this benefit request and that the request was closed, as [redacted] has not complied with the documentation request. For your review, enclosed our copies each notice mailed to [redacted] requesting detailed documentation to ensure his request for disability benefits is reviewed and decision rendered.

We trust this response adequately addresses [redacted] concerns, however should you have any additional questions regarding this specific correspondence, please contact me directly at ###-###-####.

Sincerely,

Resolution Specialist

Executive Response Unit

Review: Citibank did the same thing again.. I applied for a loan to refi a mortgage loan for a house in [redacted], AZ. Current loan balance that I was trying to refinance is about $88,000. The value of the house is well over $140,000. Citi bank charged my credit card for an over-priced unnecessary appraisal of $650; only to deny my loan based on some income to debt ratio, which could have been calculated prior to the appraisal. There are so many free web-sites that run approximate no cost appraisals to give an approximate value of a property. This is a highway robbery to strip people of their money like that and render no service to them what-so-ever... why was the appraisal necessary if they were going to deny me based on different criteria... I just can't make any sense of this theft... this ought be illegal...Desired Settlement: If Citi can't provide the service of issuing the loan; then they should refund my money.

Business

Response:

To Whom It May Concern

This letter is in response to your inquiry received on June **, 2013, regarding case number [redacted] for our client listed below.

Mortgagor: [redacted]

Property Address: [redacted]

[redacted]

We have investigated this matter and addressed [redacted] concerns with him via letter dated and mailed July *, 2013. We have no record of receiving a signed authorization to release account information to you, the Revdex.com. Therefore, we are unable to provide any details to you about the loan. Please contact [redacted] directly if you require further information.

Should you need additional assistance regarding this matter, please contact the Executive Response Unit by telephone at ###-###-####, extension [redacted], Monday through Friday, 8:00 a.m. to 5:00 p.m., CT. Thank you.

Sincerely,

Executive Response Unit

Business

Response:

Citibank considers this matter closed.

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:

Citibank insists that they should charge a fee of $265 whether they approve the loan or not. That is not fair and immoral to charge that much fee without providing any service, let alone the time wasted and the opportunity to have obtained another loan from a more honest lender!! I have obtained many loans and dealt with many lenders; they are the only lender that rob people like that!! It ought to be illegal to charge this much fee without providing any service. I will never do business with them again and will inform my friends and family about this scam so they don't waste their time and money like I did for nothing!!!

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

Sincerely,

Review: I have been a customer of citi since 2005 I have paid ontime for the past 7 year I hit a rough spot in my life could not pay for 4 months, I DID NOT get any notices from them as they have my wrong address on file and I did not get anything forwarded to me, the last time I spoke to them I did promise to pay as I had always paid the last 7 years as soon as I got out of the rut I was in. I am out now, I paid $300.00 on 9/**/13 and called 9/**/13 to make arragements to become current on 10/*/13 and they refused to talk to me saying I was in legal.......I had no idea or any warning they were going to do this or maybe I could have beg borrowed to prevent that. I had no information on being sued so I called the courts and got the information as the branch would not speak to me. THe attorney did talk to me and tried to contact them to see if they would take this and they said no. I just think it is TERRIBLE practice to treat a customer who has paid on time with your for SEVEN years and hit a rough patch for four MONTHS and now is will to catch back up in 14 days that would not be an acceptible agreement. AGAIN I did NOT recieve any notices as you have my wrong address. I am WILLING to pay my money back, I am back on track I am so angry right now that you would not work with me that I really am thinking about file bankruptcy and then you wont get any money since you are not willing to work with a customer. I think this is UNFAIR and UNETHICAL practices.Desired Settlement: I want my account taken out of legal and I will continue to pay on time as I have the past SEVEN years.

Business

Response:

Dear [redacted]:

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

Our records reflect that [redacted] obtained a personal loan with OneMain Financial's [redacted], Nebraska office on January *, 2013. The loan was a pre-computed interest loan, which means that the debt is expressed as a sum comprising of the principal and the finance charge computed in advance. In the “Disclosure Statement, Note and Security Agreement" that [redacted] executed at closing, she promised to pay a specified Total of Payments amount. The amount financed of her loan was $7,798.94 and the Finance Charge consisted of pre-computed interest of $5,128.10, which together added up to a Total of Payments of $12,927.04. The loan was repayable in 60 monthly installments consisting of an initial payment of $278.62, followed by 59 payments of $214.38 each and was assigned account number [redacted]. Due to continued delinquency, the loan was transferred to the OneMain Financial Centralized Service Center on October *, 2013 and was assigned account number [redacted].

The contract that [redacted] signed was for a pre-computed loan, which means that all finance charges are calculated and added to the loan at the closing. As evidenced by the Disclosure Statement, Note and Security Agreement, [redacted] is obligated to repay this loan. Under a precomputed loan, the Borrower promises to pay the Lender the Total of Payments shown above, at Lender's office, in substantially equal, consecutive monthly payments In the amounts shown above.

Regarding [redacted] concerns that OneMain Financial did not update her current address, our records indicate [redacted] contacted the [redacted] office on January **, 2012 and advised them to update her address to: [redacted].The address was updated and that address is the current address OneMain Financial has on file for [redacted].

Also, regarding [redacted] concerns that she was never informed that OneMain Financial was pursuing legal action against her, our records indicate two letters were sent to [redacted] advising that If she did not bring the account current legal action was possible. The first letter was sent on June **, 2013 and the second on July **, 2013. For your review I have enclosed a copy of both those letters.

Please be advised that, as of the date of this letter, the outstanding balance of the Total of Payments on [redacted] account is $11,962.50 and is past due for the scheduled June **, 2013 payment. Due to the delinquency on [redacted] account, the account has been referred to outside counsel for legal action. If [redacted] wishes to make payment arrangements on her account, she may contact [redacted] at ###-###-####.

We trust this response adequately addresses [redacted] concerns. If you or [redacted] have any questions regarding this correspondence, please contact me directly at ###-###-####.

Sincerely,

Resolution Specialist

Executive Response Unit

Review: I am writing because I own a house in Livonia, MI that I am trying to sale now. In the process of having the title work done, we found that Citibank [[redacted]/ [redacted]/ ###-###-####] wrongly placed a lien on my house in Livonia, MI that belongs to myself and my wife. What happened is when my father (who I am named after) took out a home equity loan for his home in Detroit, MI, Citibank attached a lien to the wrong property. Citibank can clearly see the mortgage he signed, the account in question, our credit reports, etc. and know that this lien belongs on my father's property in Detroit, MI, yet they are refusing to fix their error. I have been bounced around for almost a full week, lied to, employees refuse to give their first and last name yet they can attach a fraudulent lien to my property without giving me any information or notice....I am fed up.

I am at risk of losing a deal on the sale of my home because of a fraudulent lien put on my home by Citibank in 2001. I had no idea this lien had been placed on my property, nor do we show this loan on our credit reports because we had nothing to do with my father's loan whatsoever. The loan is clearly on my father's credit report and his credit report shows that he made the payments on it as scheduled from 2001 until the time he died in 2009, which is proof that he had every intention to pay the loan back. In other words, there is nothing to suggest that this was any act of fraud on his part, and especially not mine.

The current status of this loan according to my father's Transunion credit report is that the loan's pay status is "charged off" and that he is "deceased."

Citibank is refusing to resolve the problem and give me a Discharge of Lien, refusing to give me the names and/or contact information of the employees who have the power to correct this error, and costing me money on the sale of my home. I believe this is mortgage fraud and I will fight until they release the lien off my home for a loan I had nothing to do with. No one there seems to know or understand the process of how to fix an error after they've caused one so I keep getting excuses and the run-around.

Please call me or email me to help me resolve this problem ASAP. I need them to finish this job and send me a Discharge of Lien ASAP.Desired Settlement: a Discharge of Lien showing that my title is clear so I can sell the home.

Business

Response:

Please forward to your Citi Mortgage contact

Business

Response:

Dear [redacted],

This letter is in response to the October **, 2013, correspondence received from your office regarding your case number [redacted] for our clients listed below.

Mortgagors: [redacted]

Property Address:

We have investigated this matter and addressed **. and **s. [redacted]'s concerns with them directly via letter dated November **, 2013. We have no record of receiving a signed authorization to release account information; therefore, we are unable to provide any details to you about our investigation. Please contact **. and **s. [redacted] directly if you require further information.

Should you need additional assistance regarding this matter, please contact the Executive Response Unit by telephone at ###-###-####, Monday through Friday, 8:00 a.m. to 5:00 p.m., CT. Thank you.

Review: Currently have not been able to use my card over the last 12hrs due to a synchronization issue with their billing system. They have stopped me from financially able to provide myself with the necessities I need. I have talked to numerous representatives and some one from corporate who actually put me on hold and never came back on the line. I have wasted hours trying to get back my money which is rightfully mine. I was never notified of this issue by person and even have been charged for my card being declined. I have a balance of USD 195.93 I CANNOT use.Desired Settlement: I want them to release my funds so I can provide for myself the necessities I need to live. They have stopped me from using my card which is the only form of currency I own. I want them to apologize for this issue and to be compensated for my lost time.

Business

Response:

Citi® Prepaid Services received the complaint submitted on March **, 2014 from [redacted]regarding his Comcast Payroll prepaid card issued by Citi

Prepaid Services. As a company that is dedicated to providing world-class service, we strive to resolve all cardholder issues in a thorough and satisfactory

manner.

After careful investigation and research, it was determined that [redacted] had a pending transaction from a merchant for which they did not intend to settle. After receiving merchant transaction release documentation, Citi performed a temporary authorization release on March **, 2014. On March **, 2014, the merchant re-applied the pre-authorization and Citi was able to once again remove the pre-authorization. We spoke to [redacted] on March **, 2014 in regard to his complaint and were able to explain the events that led to him being unable to use his funds, and confirmed that he was able to access his balance.

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

Sincerely,

Review: I have the following filing on my credit report. I do not remember having an account like this with capital one.

CAP ONE

Address: [redacted] ###-###-####

Account Number: [redacted]....

Address Identification Number:

[redacted] Status: Closed.

Status Details:

This item was updated from our processing of your dispute in Jun 2014.

Date Opened:

03/2012

Reported Since:

04/2012

Date of Status:

09/2013

Last Reported:

09/2013

Type:

Credit card

Terms:

NA

Monthly Payment:

$0

Responsibility:

Individual

Credit Limit/Original Amount:

$300

High Balance:

$396

Recent Balance:

$0 as of 09/2013

Recent Payment:Desired Settlement: remove this from all 3 credit reports.

Business

Response:

Please be advised this is not a Capital One complaint. Please redirect this complaint regarding a [redacted] account to Citibank, whom acquired the [redacted] portfolio on September *, 2013. - Thank you.

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: Made a purchase at [redacted] w/** Credit Card. Was supposed to be 24 mo. no finance charge. Sales person gave 10%. We wanted 24 not 10%.

On 7/**/2014, we made a large purchase for siding at the [redacted] store in [redacted]. We had received a [redacted] special financing card in the mail for 24 months no finance charge. The card was presented to the sales person and she was told that is what we wanted. We did not realize it until we got our bill that the sales person had given us 10% off instead of the 24 months financing. We were very upset so I contacted both [redacted] store and the online customer service to get it straight. I was so upset that I got a finance charge on this purchase that I told them to close my card. I realized that I should contact the store to try to get them to fix the problem so I contacted the online customer service again and asked them not to close my card because I was trying to work it out with the store. I didn't hear anything back so I contacted them again and asked if they had gotten my last email not to close the account. They replied they had but it was too late and could not reopen the card, that I would have to reapply for another card and maybe then they could transfer the balance. I didn't want to reapply and asked that this one be reopened but they refused. I didn't want my credit score affected by applying for a card. I explained this to them. I've worked hard to build my credit score and didn't want to mess it up. This has been a nightmare and the worse experience I've ever gone thru. I have been a loyal customer to [redacted] for over 16 years and with Citibank for over 20. All we wanted was for them to correct the mistake by adding back on the 10% discount and giving us the 24 months financing we had asked for. Because Citibank wouldn't budge on their decision, [redacted] could not help us either. I finally called their 800 number and talked with a very nice lady who really tried to help, but her [redacted] said their was nothing they could do. The [redacted] did remove the finance charge. I told them, even though it would be financially difficult for us, that we would somehow scrape together the money and pay the balance that should have been on 24 months no interest financing so that we wouldn't get anymore financing charges. I was informed that this would be the only way we could avoid anymore finance charges. So we paid that balance off to avoid 21.99% finance charges. Imagine my shock and dismay when I went to make another payment only to discover I was charged a finance charge again. I emailed the customer service again and asked that the finance charge be removed. They will not remove it. Yes, I got upset when this all first started and I made a mistake by closing my card. I have another Citibank card so I called them to close that account as well. I explained to them what had happened with the [redacted] Citibank card. The lady I spoke to was very nice and told me that there was they could have reopened my card. This whole situation has caused me a lot of grief and frustration. [redacted] in Salisbury did try to help but got no where with Citibank. After 16-20 or more years of loyalty it should mean something. This has absolutely been the worse experience I have ever gone thru. I apologized to them for getting "bent out of shape" over this situation. I just don't know what else to do. I just hope no other customers have to go thru what I've gone thru trying to get this fixed. This is my last resort. Yes, it was our fault for not reviewing the sales receipt to make sure we were getting what we asked for plus the fact that the special financing card we presented at the time of sale said what we would get. We didn't ask for both we just wanted the 24 mo no interest financing and was willing to have the 10% added back to get what we thought we were getting all along. Why didn't someone at Citibank care enough to help rectify this? We all get frustrated and upset at timesDesired Settlement: We would have liked the special 24 mo fiancing as the card they sent us stated, but it's too late now since the amount that was supposed to be 24 mo special finacing is now paid in full. However, since we disputed the whole sale/financing from the day we found out it wasn't done the way it was supposed to be done, we would like the last finance charge we received on it to be removed. It would have been nice to have had the card reopened which would have made it easier to fix, but after this nigh

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.

Sincerely,

Review: Recieving collection calls for bill that was paid. The original bill was 57.73 which was paid and cleared my bank on 11/*/14. On 11/* they assigned a late fee of $37.00 which I also paid (thinking they might be right). That check cleared my bank on 11/**/14. I called them and they do not acknowledge the payment and will not search for it, demanding that I provide proof that I paid them. I'm owed a refund of the $37.00 for the unnecessary late fee.

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I unknowingly paid a late fee of $37 which I did not owe. They need to acknowledge the payments made and refund the $37.00.Thanks

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 opened my business, [redacted] in June 2012, and in January 2013 the business was issued a thank you business cred card from Citi wtih a $12k credit line. My mother ([redacted]) is listed as the primary cardholder, but I am the one who actually uses the card and pays the bills.

Around April 2014, charges that I set as "recurring" with the appropriate vendor were applied to the card, causing it to go over the limit by about $700. Some of these same recurring charges were approved again in May 2014, June 2014, July 2014, resulting in what is now a total balance that is about $1,600 over the $12k limit. I tried to resolve these issues with Citi when they first began around April 2014, but I was told that there were limits to the level of support I could be given because I am not the primary on the account and I was also unable to access detailed account information online. Even when I explained to a representative named [redacted] that my Mother (the primary) was unable to help due to her recovering from a stroke in late April 2014, the company offered no assistance to me. When my Mother was recovered enough from her stroke to speak to a representative herself around June/July, he told her that the issue with my not being able to access the account was resolved, but it was not.

My first concern is that Citi approved charges that were over the limit, in multiple subsequent months, versus declining them. In each of these approvals, I was charged a $39 over the limit fee, which could have been avoided if Citi declined the amounts or provided the assistance I needed. It is essentially a catch-22: they couldn't (or wouldn't) help me to "stop the bleeding" earlier on because I wasn't a primary on the account, but continued to approved charges over the limit so they could collect the $39 over the limit fee plus the now absurdly high interest rate of 30%

Once I was able to figure out what was happening on my own, I did stop the recurring charges to the account, but the damage was already done; Citi could have prevented this issue from happening by not approving charges over the limit or helping me to resolve the matter when I tried to address it early on.

Because of Citi Bank's action, my minimum payment on the account is now roughly $1,400 which I cannot afford to pay, but I have been paying something each month. Last Friday, September **, a representative called my work number asking for my Mother (who cannot be reached at my work number). When they identified themselves as a Citi Bank representative, I asked if I could help them since I am the once who has been charging and paying on the account, but the representative - holding true to Cit's pattern - said he could not talk to me, only to my Mother as the primary. When I initially offered him my Mother's number, he declined and said that he was unable to take the number, but when I explained that it was these same types of communication disconnects over the past several months that have caused the account to get into the state that it is, he took my Mother's number and, presumably, called her. I do not have any further information beyond this point.Desired Settlement: I would like:

1) For my Mother to not be held accountable for this debt; the card was taken out for me for my business, and I am the only one who has made charges/payments

2) For Citi Bank to reverse/credit all of the over the limit fees; if they had declined the charge or provided me with assistance earlier on, all of this would have been avoided

3) For Citi Bank to lower the interest rate; I should not be penalized for Citi Bank's approval of charges over the credit line that would have been avoided had they provided the assistance that my Mother and I requested

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:

[Your Answer Here]

A representative from Citibank's executive office called me about a week ago, and in short, did not resolve or fully address any of the issues in my complaint. Specifically, 1) she advised that allowing amounts over the credit limit is part of the card's terms and conditions. yet completely disregarded the note in my complaint and during my discussion that whenever I called, I was essentially told that no information about the account (i.e., including "terms and conditions") would be disclosed to me. Additionally, if no other reason that to demonstrate good business ethics, Citibank should not have allowed repeated charges month after month over the limit; this should have been a trigger that something was awry with the account. They clearly allowed this to continue to justify inflating the interest rate and charging other excess fees, but in the same breath denied me information about the account when I (and my Mother) attempted to resolve the issue multiple times over several months; 2) she advised that they could not change the card to my name, though I never asked for that. The issue that I raised in my complaint is that my Mother not be penalized for these issues since I am the only one who charges and pays on the account; I'm sure there are ways this can be done without the card being put in my name; 3) she said that they cannot reduce the now absurdly high interest rate, which I do not believe to be true; based on my experience with outher cards - business and personal - interest rates can be adjusted. But, as mentioned earlier, it seems apparent to me the Citibank's practices are such that they allow charges over the limit, deny users account information, and use these unethical practices to justify increasing the interest rates and charging excess fees.As I mentioned in the original complaint, both my Mother and I made several attempts to resolve issues with this account, and my Mother was at one point told that account privileges were changes such that I have full access to the account. Yet this was never actually done, and clearly, Citibank does not feel it has any responsibility in this. Further, I find it utterly appalling that Citibank, according to my Mother, has resorted to harassing phone calls. My Mother said she was getting repeated phone calls from Citibank since I filed my complaint; to end this harassment, she gave them roughly a $300 payment last week just to get them off of her back. In my view, the way Citibank chose to handle these matters prior to my filing my complaint is clearly unethical, but for them to result to harassing an elderly and recent and recovering stroke victim (i.e., as noted in my original complaint and discussions with other representaitves) is utterly disgraceful.

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:

This matter is still outstanding. The credits/adjustments that have been requested and/or that Citibank has promised are not yet reflected on any statements. We are also awaiting a formal response from Citibank to ALL of the requests for resolution that have been made.

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: Citibank did not honor a $25 credit which it advertised on7/**/2014.

Citi had a promotion on 7/**/2014 for which if I purchase $25 of goods from [redacted] through citi wallet that I will receive a $25 credit. I made the purchase (reference number: [redacted]) but never received the $25 credit as advertised. I have contacted Citibank multiple times and the representatives I talked to promised to credit my account. However nothing was credited.

Please see below for an online live chat record I had with an Citibank representative.

"Welcome

A Citi representative will help you in approximately 0 minutes 34 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 Citi Live Chat. We appreciate the opportunity to service you. How may I help you?

**: Hi [redacted], I am trying to recover a missing credit statement for my Citi mastercard

[redacted]: **, I certainly understand your concern. May I ask, if you are trying to find any particular month's statement?

**: Citi had a promotion on 7/** for which if I purchase $25 of goods from [redacted] through citi wallet that I will receive a $25 credit

**: I made the purchase on 7/** but never received such a credit. Can you help me with that? thank you.

[redacted]: **, I certainly understand your concern. Yes, you will receive credit for the purchases made via Citi wallet, however credit will only updated on the account after 2 billing cycles.

**: it has already been after 2 billing cycles now

[redacted]: Let me check the exact statement date, as the purchases are made on 07/**/2014 it will be posted in your August statement, and so credit will be released after 2 statements from that date.

[redacted]: Please allow me a moment to check the exact date.

**: Thank you [redacted]

[redacted]: You are most welcome!

[redacted]: I see now that your first statement after the transaction generated on 08/**/2014.

[redacted]: Due to this reason, statement credit will be available on the account once your new statement generates that is on 10/**/2014.

**: So you are able to confirm that a credit $25 will be issued on 10/**/2014?

[redacted]: Yes, I'm aware of this offer, and you certainly can expect that amount will be available once your new statement generates that is on 10/**/2014.

**: Thank you [redacted]. I appreciate your help.

[redacted]: You are most welcome!

[redacted]: Do you have any additional questions that I can assist you with?

**: That's all. Have a good weekend, [redacted]."Desired Settlement: I require Citibank to honor the $25 credit as advertised.

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: Citibank has been calling my phone between one and three times daily for the past several weeks without leaving a message when the phone went to voice-mail. When I spoke to a representative I was denied my request to speak to a manager about the harassment and to dispute my charges, instead I was told that the calls would continue until a full payment was made.Desired Settlement: I would like a written apology from Citibank in regards to the phone harassment and a refund of my late charges during the period of harassment.

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 a Transaction that I needed looked into for 200$ I spoke with the company they could not give me a credit because I am moving. told me it would take up to 180 days. dont understand why I could not get a credit until this is worked out. very upsetDesired Settlement: give me the 200$ credit until this is settled

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: 2015.01.** Greetings:

Whenever I use a [redacted] ([redacted]), you guys refuse to process the payment, "payment authorization failed."

Even after I pre pay the charge amount by cash in the [redacted] store, and/or phone call you ahead of time to notify you of the upcoming charges you ALWAYS refuse to process the charge, this harassment is ongoing.

Latest cases a us$1052.52 (order # [redacted]) and $54.99 (#[redacted]) both placed on saturday.

I completed two security check list verifications, and the order is being sent to the mastercard billing address and the payment information is correct.

Your assistance is appreciated, [redacted]Desired Settlement: citibank/[redacted] QUIT the harassment and discrimination in processed orders. I complete the requested identification proceedures but never the less you refuse to authorize the payment preventing the sales order being shiped.

Business

Response:

Tell us why here...Good day, 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: Hey! I was at the counter to pay for my purchases when, the clerk offered me to apply for this MasterCard. They enticed me to get it by offering a percentage off my balance of the stuff I was buying. I decided to try and get it, thinking, that I had never been able to get a card for quite awhile. They said that I was approved for the card, so I bought my things with it. I was told by the clerk that The max on it was $5,000.00, I was pleased. Then about a couple of months went by and the balanceWas around $4,000.00, they cut it back to the amount we owed. We paid more than the minimum but,The balance seemed to stay the same amt.,We have also talked to them about lowering their interest rates,but it keeps going up instead? I pay over the amount they request,we even payed this thing off before! Sometimes when I make a payment, they write the wrong debit card number down so they can charge a late charge.For example,We had a medical emergency with My Dad in Oklahoma,I made the payment on Dec[redacted] 2014 in the amount of 160.00, the min. Payment was 125.42, they told me that I didn't make the payment,I have the statement,it shows I payed it,but they added it to the Jan. statement,I payed the Jan.payment and I find out that they took the payment and then have a reversal,Now it's pushed over the limit again by a couple hundred dollars! I'm on disability and I take care of our bills the best that I can,my wife and I are raising a couple Grandsons, I am going to have to go back to Oklahoma to try to spend the last days of My Dad's life! We have had nothing but problems dealing with this credit organization,We have a pretty good credit score and a solid income. We have been thinking about how many hassles We have had,and We are requesting that they bring it to a 0 balance and We'll cut the card up and throw it in the garbage can! If they call it paid on Our credit report and not a charge off, We won't tell all Our Friends what a nightmare experience We have had w/Sears and Citi Bank? Thanks, RM

Product_Or_Service: Sears credit card-Mastercard

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

Look in the previous text box above, it's all explained there. We would like this company to reimburse us for the late charges or wipe out the entire debt for all the problems this credit card has caused us!.It is apparent that they are trying to ruin our credit score as well as put our bank into insufficient funds to make us pay numerous late & overdraft our acct at our bank & that could ruin our credit score too!Thank you for your time and consideration.Sincerely,

Business

Response:

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