Citi

[redacted] 
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Re: Consumer Financial Protection Bureau (CFPB), Case # [redacted]
Revdex.com of New York (Revdex.com) - Case # [redacted]
D[redacted]
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[redacted] My original call where a payment of $300 was processed it was told to me by the citi rep that my account was open and in good standing after the $300 payment was received. Adnditionally to that the arrangement was made that I would be paying $100.00 per month until the account balace was $0.00. Weather it was an official payment arrangement according to citi's standards is beyond my knowledge. I ask that the taped conversation be made available because there is a conflict of information. I'm going off of recollection and you have supposed recordings that would pretty much settle the whole dispute. Why would I in good faith pay $300.00 dollars on a closed account? If my account was closed in April then why am I still receiving normal monthly statements and its now November? Collection companies rarely try to collect the whole debt, why would I pay citi $300 for absolutely nothing when I could have probably settled the entire debt for close to $300 through the collection agency? I feel as though I was misled and told bad information during the original phone call simply so citi could collect the $300 and still report me to the credit bureau's as some form off of the book punishment for not being able to make a payment from April until August. I may not be an expert on the UCC but that doesn't seem very ethical to misinform clients or customers. I also was never contacted by citi by phone nor by mail (other than my normal statements), I believe my email is also saved on file and I have not one email from citi regarding any collection attempts or payment arrangements. Again thank you for your response and time but you are being misleading with your information. Like I mentioned in a past response, this is me being nice in escalating my issues within your company and keeping it between us. I can and I will exercise any legal rights. I know this may be feeble me being one consumer and you being a large banking institution with lawyers on hand but that still doesn't mean you are right in the matter because you have a legal department at hand. I still have rights as a consumer and I am protected from misinformation tactics I feel are being used in this instance. I hope we can make an arrangement between myself and citi. I have cash to pay the balance in full but I want my account either reopened or a new one opened in its place. I got sick and defaulted for a while and I made an attempt to correct the account and the relationship and make steady payments as I did in the past with this account. You chose to manipulate the situation and cut off a consumer from a line of credit that will help my business but it wont kill my business losing it either. I just prefer to rectify the situation I just don't appreciate being mislead with bad information. And again I do apologize for my missed payments and the breach of contract and I know you hear excuses all day good ones and bad ones. But I was on my death bed literally and I have medical records and bills to prove that. If this needs to go to court so be it but I'd rather spend my money with citi to rectify my account status, but if I need to spend it with a lawyer so be it.Thank you for your time and attempt to clarify your position in the matter.

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

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

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

Revdex.com:
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,
[redacted]

Revdex.com: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:
 
Until closure is reached case is not resolved
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.Sincerely,[redacted]  *

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

The company refused to refund my EARNED cashback and reward points. Even in the letter they sent to me said it was "earned". 
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

Revdex.com:
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 back from the business since this latest response.  In addition, given that I took time to write all of my complaints in writing, it is very disappointing that Citi did not take the time to address my concerns in writing.  This is wholly inadequate.

[Your Answer Here]
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

Revdex.com:
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 do not know what the specific response to resolve the issue. 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

Hello,I have a attached a scan of the letter that I received from Citibank. The part about a message advising of a credit report is entirely untrue. I was never advised that a credit report would be required, and I never consented to an inquiry.Thanks,[redacted]

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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined...

that my complaint has NOT been resolved because:

[Your Answer Here]
The business did make a one time contact advising me that my case was being worked on and I was told that I would receive a follow up call within the next couple of days of which I have yet to receive 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

This message was originally read on (07/**/17). Citi has received this complaint and we will respond to the customer within 14 days.

First, I thank you so much Revdex.com for helping me result this matter. [redacted] from Citi group did call me and after she contacted [redacted] Waranty,...

[redacted] Waranty did admit receiving my find of $1344. I am really disappointed with Citigroup because if without the help of Revdex.com, they were not willing to help me result the dispute.  I am canceling all my citicards.

“We have closed this case.  The issue has not changed.  We feel that it has been addressed and no response will be made.”

Revdex.com:
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 just sent me the same response.  That the documents that I provided were not enough for them.  I sent them what they inicial asked for that was a confirmación Ach from the bank with the payment date and confirmaron number.  I went to the bank once again and the bank is conducting an investigation directly with them.  Thank you.
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

Revdex.com:
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]
 
 Since they refuse to comply, I will escalate this matter.  
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

Revdex.com:
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,
[redacted]

Revdex.com:At this time, my complaint, ID [redacted] regarding CitiMortgage, Inc. has been resolved.
(By clicking "OK", your complaint will be closed as Resolved.)
Sincerely,
[redacted]

Revdex.com:
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]
 
 There is nothing here for me to respond too as a letter is supposedly in the mail.  After I filed my original complaint the card was again deactivated and failed to work.  The manager could not tell me why this happened and stated that it fell out of protocol.  She would "follow up" but I would receive no further information from them in this regard.  The card was re-activated again but no one knows when it will be shut off.  In essence, the company does not care about its patrons as they continually refuse to fix this.  No one can explain why the card continually gets deactivated and the only response I get is "we worry about fraud every day".  It doesn't even make sense as the card was deactivated for a 40 dollar charge in my home state!
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]