Citi

Review: I recently called for a request to send in a one time payoff of my loan to elimate PMI. The response from Citimortgage is that my loan is not two years old and that the LTV must be 75% after appraisal. However, what I signed for at closing of the loan clearly states in the attached that I can eliminate PMI when my LTV reaches 80% and no two year requirement existed.Desired Settlement: I would like to have Citimortgage honor the agreement I signed at closing and allow me to send in a one time payoff in an amount to reach 80% LTV immediately.

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 [redacted] and [redacted] 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 [redacted] and [redacted]. [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.

Sincerely,

Executive Response Unit

Review: I have talked to customer service. On June **, 2014 I settled the statement and paid a total of $625.13 which operator [redacted] said paid all charges toward the $338.42 on revolving charge due 6/**/14 plus all revolving charges owing. Check [redacted]. I then got a statement for sums due 7/**/14 which reflected a charge for $434.91, but showed I actually owed $128.83 plus $2.93 in financing charges. I assumed this included the $434.91 on the statement so I paid an extra $132.00 check [redacted] on 6-**-14. I put in a change of address in late August. I paid $863.64 as payment in full on the promotional balance due 9-**-14 as I was moving to Nevada and wanted to be paid in full. This check [redacted] was cashed as payment in full for the promotional balance. when I received my October **, 2014 statement(I never received my statement for Sept **, 2014 but paid the promotional balance for Sept ** based on my August ** statement, Somehow the $434.91 was rebilled. I asked for my Sept and Oct statements in October when I had not gotten a statement since Sept [redacted]. I only was mailed my statement due Oct **. I had no promo payments due so I paid $25 on 10-**-14 check [redacted]. I now see I am being charged $6.74 for Oct statement and $6.76 for Nov statement and $2.93 for August in interest. I called and was told my payments of $625.13 and $132 were not applied as agreed but differently and only if I forfeit the 10% discount on the $434.91 of $41 would I get reversal of the $6.76_$6.74 and $2.93 ... I give up trying to talk reason. I paid as I was told to be in full.Desired Settlement: DesiredSettlementID: Other (requires explanation)

If I owe on the $434 on which I apparently paid $132, I owed $302.91? I also paid $25. This reduces what I owe to $277.91 which I will pay when I know this wipes out the revolving charges. I ask reversal of the $16.43 interest and credit of $132 on the $434.91. I will pay the $320.95 pro due 11/**/14 and if you agree I will pay an additional sum of $277.91 if this resolves entirely the 7-*-14 charge. I would have paid earlier the $277.91 if

Business

Response:

Thank you for your communication regarding [redacted]’s [redacted]t Credit account. Due to privacy concerns we are unable to release customer information to the Revdex.com. We have responded directly to [redacted] and resolve the complaint.

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: The company closed my account while. I was less than 60 days late. My account should not have been closed until the 60 day mark. I was late because I am currently living in a foreign country without the authorization to work. I had to wait until my financial aid came in to make a payment.Desired Settlement: I request that my account be reinstated.

Business

Response:

Dear [redacted]:

Your recent complaint filed on behalf of [redacted] has been forwarded to us for review and response. Citibank, N.A. is the issuer of the My Best Buy credit card.

We understand from our customer's correspondence that [redacted] has concerns with Capital One's decision to close his My Best Buy account on August *, 2013. Citibank, N.A. began servicing his My Best Buy account on September *, 2013; therefore, we are unable to address his concerns regarding Capital One's decision.

If he would like to apply for a My Best Buy account issued by Citibank, he can visit [redacted] or apply at his local Best Buy store.

Should office have any further questions regarding [redacted]' account, please feel free to contact us at the address listed above.

[redacted]

Executive Response Unit

Review: Charge my bank account with an "Unauthorized" payment.

04/**/15 I paid my monthly payment of $170.38

04/**/15 Citi took Unauthorized payment of $170.38 out of my bank account.

I have incurred Overdrafts now of $144.00

And I have now lost Deposit(s) totally $ 115.00 my bank used to cover the overdrafts incurred upon my account from the $170.38 unauthorized payment. Citi has issued me a check for $ 108.00. But not ofr the additional $36.00 due to overdraft from them taking so long in Payment Investigations Dept., nor have I been reimbursed for the $115.00 in my lost deposit(s) that covered overdrafts due to their unauthorized payment of $ 170.38.Desired Settlement: I would like $151.00 refunded to me. I could request the additional $170.38 but this has drug out now so long. That they can have the unauthorized payment now, because we are now into a new month now.

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]

Unfortunately it will NOT allow me to open any response?? I only offers click to accept or reject. So I have rejected due to the fact I cannot view CITI Bank's Response. Please advise. [redacted]P.S. to date I still have not received the final $151.00 owed me for lost deposit(s) and final Overdraft fee caused by CITI Bank on my Bank Account. Thank you yet again.

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

Sincerely,

Business

Response:

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

Consumer

Response:

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

Sincerely,

Review: My issue is in regards to my Citibank card through [redacted]. I received a [redacted] statement in the mail for $93 that was delinquent on April **, 2015, the statement did not break down what these charges were so I called the customer service phone number on my statement, spoke to a lady [redacted], group * from [redacted] that verified my information and after verification tells me she can't access my account, gives me a phone number for their probate department to call Mon-Fri 8am-5pm ###-###-####. I was very confused so I found a phone number for Corporate Office - ###-###-####. Talked to a very nice lady named [redacted] out of [redacted] who notified me on 4/**/2015 that my account has been closed because I was DECEASED! I was very confused she give me another phone number ###-###-#### to call Mon-Fri (which is for [redacted]-wrong number!), she referred to them as probate department. On Monday 4/**/2015, I called both numbers for probate but only the first number worked given to me by [redacted]. I notified [redacted] from the probate department that I am indeed alive but I asked her NOT to turn my account active because at that moment we were in the process of closing for our refinance on our house and our title lady had told us to make sure there are no inquiries into our credit that could prevent our loan from getting funded. I told [redacted] that I would be calling back before May [redacted]. I called them again today April [redacted] to activate my account, spoke to [redacted] and she activated my account. I then contacted the [redacted] customer service phone number, realized its through Citibank and proceeded to explain my situation. I found out that I was charged 3 late fees (25+25+35) as well as finance charges ($8 total) although I paid my account in full $73.59 two months ago and had not made any purchases since then. I did not receive any statements until April **, 2015 that was due May [redacted] 2015. I had no idea that my account was even delinquent because I had paid off the whole balance from what I remembered. Today 4/**/2015, I spoke to [redacted] from collections in [redacted] who transferred me to [redacted], a [redacted] from their [redacted] (deep voice who talks down to his customers-while making himself sound very important). I explain the merry-go-round chaos that I have been dealing with since they've marked my account closed and me DECEASED, he showed no remorse for the troubles that they put me through. Notified me that, "It's bank policy that only one late fee and one finance charge (the most current) can be refunded." Wow, this is a very, "convenient" policy for Citi even when they mess up and mark me as DECEASED and make me jump the hoops calling this department then that department and so on. So what I ended up finding out about the DECEASED status from my mother in law BEFORE (4/**/2015) talking to Citi or probate was that she received notifications that her late husband's (Deceased) name and my name were on the same account together and she was getting correspondence that the account was delinquent, I on the other hand whose account it was DID NOT receive any correspondence about the account being delinquent. She notified Citi (the people calling her) on 4/**/2015 (this date is from [redacted]) that her late husband is deceased but I am not and his name should not have been on my account at all. She gave them my current phone number and figured they would call me. She lives an hour away from me, forgot to tell me about their conversations because she assumed they would contact me on my cell phone so I didn't find out anything until I talked to [redacted] in [redacted]. I NEVER received ONE phone call from Citibank about me being DECEASED! So fast-forwarding to my conversation today with [redacted], he was only willing to credit $37, according to "bank policy". My impression of [redacted] and Citi's "bank policy" is that they do not care about future business prospects with their customers (in the form of spending thousands of dollars while renovating our new house) they care more about the $56, late fees and finance charges, that I was not aware of and then not caring AT ALL about the crazy confusion that they started by marking me as DECEASED, one quick check of my credit report could, which [redacted] from probate did on 4/**/2015, have told them that I was NOT DECEASED! So I paid the $56 dollars after the $37 credit and then closed my account effective 04/**/2015. Citibank, I am NOT DECEASED and its not okay to mark people as DECEASED! By the way the last time I have asked for any fees to be credited on this account was back in Oct 2013, today is April [redacted] 2015, almost two years later and the amount of money that I have spent on this account is WAY more than any of the credits you have ever given me, but again you don't care because you are Citi NOT [redacted]! I will NEVER open up another account with Citi and before I open up any accounts with any businesses, I will be sure to ask if its through Citi and I will spread the word that Citi has terrible, "bank policies" that do not have customers in mind and when a company does not care about their customers also DO NOT care about their future business transactions!Desired Settlement: Refund $56

Business

Response:

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

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 did not receive any correspondence from this business.

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

Consumer

Response:

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

Sincerely,

Review: My daughter and I want to visit my sick mother in law in December. I bought 2-one way tickets, Chicago-San Juan, with U S Airways through [redacted] on 09/**/14 for December [redacted]. A couple of hours later, I cancelled those tickets and booked 2 new tickets through RCI Travel with the same airline in the same flight.

On 09/**/14 I was notified by RCI Travel that my tickets were cancelled. I called RCI Travel, U S Airways and Citibank and gave them the information provided above that apparently caused a confusion. The situation was resolved and my 2 tickets were confirmed.

Then again on 10/**/14 my travel agency contacts me saying that the tickets were cancelled for the second time. I've been in contact with Citibank since them and they don't resolve the situation. These are the dates that I have contacted Citibank: 09/**/14, 09/**/14, 09/**/14, 10/**/14, 11/**/14, 11/**/14, 11/**/14, 11/**/14, 11/**/14.

Citibank cancelled both flights and gave me credit for both.I have told them several times that I want to keep the second set of tickets bought.

I have the September and October statements from Citibank Credit Cards that show that information. I also have an email from U S Airways with 2 different confirmation codes.

I have spoken to Citibank Customer Service, Dispute, and Presidential Departments. I even contacted the Claim Administration Center.

Now I don't have seats on that flight, the tickets prices went up, and I don't have the money to pay for new tickets to travel.Desired Settlement: I want Citibank to pay for my 2 non stop, one way tickets, Chicago-San Juan on December [redacted], 2014.

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 issued an on line bill pay to Citibank on November [redacted] for $2091.10. I have called their office 8 times to receive my refund for an account that is closed and has no lien pending. I have been told on multiple occasions I would have my refund via wire within 2 business days. I would be happy if they just send a check to me.Desired Settlement: I would like my money back that they have no lien for.

Business

Response:

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

Review: I have spoken to them about this issue and I have not reached a resolution to date. They promised to send me a paper statement, and they have not don

I made a payment for 6400 dollars and assumed my bill was paid almost in full. They claim that they sent me emails of bills , which I did not receive. I got a phone call from their collection agency stating that my bill was overdue, yet I never received a bill from them. I called them and made a payment; at that time they said they would send me a paper statement which I have not received. They reported me to the credit bureau and my credit score was lowered 30 points as a result for delinquent payments that I never received a bill for.Desired Settlement: I also seek a refund for late charges that I paid because I did not receive a paper statement or an email statement.

Business

Response:

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

Consumer

Response:

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

[Your Answer Here]The business stated that they would send me a paper statement so that I Could APPLY FOR A REFUND; THEY HAVE NOT SENT A PAPER STATEMENT; NOR WILL THEY ADMIT THAT THEY DID NOT SEND A PAPERLESS STATEMENT.

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

Sincerely,

Business

Response:

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

Review: I have been being harassed for over a year by citibank and other affiliated debt collection agencies. There was a point in time I pulled my credit report and found a few accounts there were unfamiliar to me. I disputed and the accounts that didn't fall off I began to make payments in order to get them off my credit, not knowing that I should not have done this. I have a balance of 2426.00 with this company and I have not received validation of debt even after numerous requests. Over a year ago my father was diagnosed with [redacted], I lost my employment and I have been trying eagerly to get matters with this debt resolved by I was constantly greeted with rude customer service and when I would ask for a manager I would get disconnected. I then proceed to contact the company on different occasion to no success. This account has been on my credit for a long time. Now after my fathers passing, I am stuck with the debt of his funeral and I can't seem to get approved for anything to help with the costs because citibank left a bad mark on my credit report. Please help.Desired Settlement: I would like this debt removed from my credit report and I would like to no longer receive calls or letters.

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:

They can respond to this complaint.

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 was not contacted by this company and they are not replying to my complaint. I give them permission to respond to this complaint.

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: My husband and I purchased a pool cover reel from what turned out to be a dubious vendor and were unable to return it. Thus we filed a complaint with CITI's billing disputes department in Sioux Falls, SD. This has been a running fight since the end of May. In July we received a communication from billing disputes that [redacted] had claimed we never contacted them they wanted their money -- this despite the fact that they had issued us an RMA for the return. We still have it as they would not send return labels to us and the $100.00 dollars it would cost us to return it would have been good money after bad. The email in July asked us for further information and proof that we had contacted [redacted]. We provided that in a letter dated July ** and mailed a day or so later to the P.O. Box provided. Then a few days ago we received a further email informing us that your billing disputes department had found in favor of [redacted] and awarded them their ill-gotten money. We immediately called billing disputes and was told that they never got a letter from us and the deadline for response had expired. They did, however, extend some hope so we faxed the letter and phone log to them proving that [redacted] had lied. Then yesterday we received the information that nothing would be done for us.Desired Settlement: The desired settlement to this situation is that the Credit Card company honors our claim and does the right thing by us, their loyal,long-time customers.

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: According to the Oklahoma Tax Commission this company holds the lien on my 2005 Toyota Camry VIN

[redacted]. Not responding.

I am needing the lien release for my car in order to sell it. We have never received the lien and the company will not respond.Desired Settlement: A copy of my lien release they hold.

Business

Response:

The original lien release was mailed on or around 02/**/2009.We have enclosed a new lien release that can be presented to the motor vehicle department for removing the lien .

Review: I had a remaining balance of $484 and was charged deferred interest over $1,700 because I didn't pay off the remaining balance before the deferred deadline expired. Had I know my deferred interest expiration date were approaching I obviously would've paid off the remaining balance of $484. I am setup to make auto payments and was not notified of the approaching deferred interest expiration date other than a sentence on my monthly statements. The way I found out was when my automatic minimum payment was no longer sufficient since my minimum payment amount increased after the deferred interest was charged to my account.Desired Settlement: I want them to reverse the deferred interest charge over $1,700 and just let me payoff my original outstanding balance of $484.

Business

Response:

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

Consumer

Response:

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

the business never responded to my suggested resolution nor proposed any other possible resolutions.

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

Sincerely,

Business

Response:

As stated in our previous response to the customer we will no longer respond to inquiries regarding this matter.

Consumer

Response:

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

The business has not made any attempt to resolve this matter.

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

Sincerely,

Review: I received a letter telling me to apply for the Citi Double Cash card. It said I was per-qualified for the card and to call, mail or apply online. I called prior to applying and asked the customer service rep, if this would be considered an upgrade from the current card I have, which is the Citi preferred card. The representative said "yes, it would be considered an upgrade from the card I had, they would switch over my acct to double cash card. I did not do the transaction with the rep. I called again a couple of days later but there was a long wait time, I hung up and decided to apply online. I applied online and was given a decision in a couple of days. I contacted Citibank, to make sure that my Citi preferred card would be closed and transferred over to the double cash card. The rep told me this was not done, and they couldn't do anything about it. I advised her to check her system to see where I specifically asked for this. She stated "nothing was in the system". I was advised I can close the account for my citi preferred, but by doing that I would be affecting my credit score which I do not want. So now I have two credit cards with Citi, which I did not want, and I was bait and switched into getting this card.Desired Settlement: I would like for Citi to transfer my information or my current account over to the new card "double cash'. I would like to only have one credit card account instead of two, without it affecting my credit score.

Business

Response:

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

Consumer

Response:

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

I received a call from someone in the presidents office, telling me that there is nothing they can do about the situation. She did not offer me anything to rectify the situation. Therefore my complaint was not resolved.

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:

[Your Answer Here]

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

Sincerely,

Business

Response:

We recently replied to the customer’s inquiry and because no new information was contained in his most recent inquiry to the Revdex.com, we consider the matter resolved.

Review: Made a payment on February *, 2015 of 100.00 dollars and made n�ºmerous attempts and sent proof of payment and they still don"t correct the issue.

On February *, 2015 I made a payment of 100.00 dollars to my [redacted] account. After 3 weeks I noticed that the payment still wasnt posted so I contacted them and they told me that I had to send a letter with copy of my bank statement showing the payment. I Immediately sent the letter and went to the bank to confirm the payment was made and they even gave me a print out with the confirmation number of the payment. Today I receive a communication telling me that the documents I sent which were the ones that they instructor me to send were not enough to conduct an investigation and they needed additional information. I went to the bank and filed a claim so they have to deal with the bank directly. I have been compilant and patient but they really dont have any interest in solving this situation. Today is going to be a month and my payment hasnt been posted to my account.Desired Settlement: I would like them to post the payment to my account.

Business

Response:

Thank you for your communication regarding the customer's My [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. [redacted]Executive Response

Consumer

Response:

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

Business

Response:

Thank you for your communication regarding the customer's My [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. [redacted]Executive Response

Review: Purchased washer and dryer from [redacted]. Put charge on credit card and told have 1 year to pay before incurring interest. Always pay more than minimum and was surprised to see that for the last 4 to 6 months nothing was applied to promo items. Called Citibank and was told that was their policy and if I wanted anything over minimum applied to promo, I would have had to call them. If that is case, HD should have to inform customer of this because if they have revolving charges, nothing will be applied to promo. This is a scam for cc company to reap more interest and misleading on [redacted] account. Called cc company and asked for [redacted] and got Suzie #[redacted] who was rude and arrogant. Will never set foot in a [redacted] again if this is how they let their cc company treat their customers.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want my promo items to be extended by the number of months nothing was applied to them or I credit on my cc card to offset interest that I will incur as I will not be able to pay off the promo items on time.

Business

Response:

Your recent complaint filed on behalf of [redacted] regarding [redacted]’s [redacted] credit account has been forwarded to us for review and response. Citibank, N.A. is the issuer of the [redacted] credit account.

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

We appreciate the opportunity to respond to [redacted]’s inquiry.

Review: I signed up for a Citi Hilton Reserve credit card two years ago. At the time of enrollment, the bank offered a benefit whereby if I spend $10,000 or more in a year, starting from my account opening date, I would receive a free night certificate upon my account anniversary.

I met that requirement upon my anniversary date of 7/**/15. I did not receive the free night certificate, and contacted Citi. Initially, they told me that the "clock" starts on the date of when the annual fee hits the account, which obviously was contrary to what I had been told. When I informed them of this, another representative contacted me and corrected the previous agent's misinformation. This exchange happened on Citi's secure message system. This representative confirmed that I had qualified for the free night certificate, and that it would be received shortly.

I followed up with Hilton, who contacted Citi, who told them that I had not earned the certificate. I have a screenshot of Citi stating that the free night certificate was indeed earned. I just tried calling Citi about this again (this was my fourth attempt to get my earned benefit), and they said they have no access to the secure message confirming that I qualified for the benefit.Desired Settlement: Please issue the free night certificate immediately, as it is almost three months since my account anniversary. Otherwise, Citi is guilty of deceptive advertising.

Business

Response:

We

will be corresponding directly with our customer. If you would like to

further discuss the resolution, may I suggest you contact them directly?

Review: In November 2014, I noticed that two chandeliers I had purchased on [redacted] using my Citi credit card were now being offered for $657.27 less (in total for both).

I first contacted Citi, after I reviewed the rules and guidelines governing the Citi Price Rewind Program, and spoke with a customer service agent. I clearly explained to the agent that I would be requesting that [redacted] refund the difference in price given that the two chandeliers were purchased less than 3 months ago. I told the agent that based on my review of the rules and regulations of the Citi Price Rewind Program, however, it seemed that I could also request a separate and independent refund from Citi given that the chandeliers were purchased using my Citi credit card. The agent confirmed that this was in fact correct. Each card holder is given an annual limit of $1,200 for price rewinds and can opt to get the refund through Citi, as long as proof that the product was being offered at a lower price was documented. I explained to the agent that I would only go through the process of getting all the paperwork together if I would not be denied my independent request for a refund by Citi simply on the basis that a similar request would be made through [redacted]. Again, I was reassured that this would not occur.

I also contacted [redacted] and asked them to honor the lower advertised price given that my purchase was made less than 3 months ago. I was told that [redacted] would review and process my request.

Based on the agent’s assurance and my review of the rules and regulations governing the Citi Price Rewind Program, I sent in the required documentation shortly after.

On December **, 2014, to my surprise, I received a letter from Citi Insurance Services, asking for supplemental proof. Again I contact a customer service agent, explained the situation, and was reassured once again, that all I would need to do is send a notarized letter explaining the refund [redacted] had provided me independently, clarifying that the return was not of the goods in question.

Based on these instructions, on my birthday, December **, 2014, I visited a Citi bank branch to get a notarized copy of a letter I drafted that explained that the refund of $657.27 was a refund that [redacted] made to my account based on my (separate and independent) request that they honor their lower advertised price. Needless to say, I was greatly inconvenienced by Citi’s additional request for information that I had already provided several times to Citi customer service agents. Even so, based on the customer service agents’ assurances, I once again provided the documentation as promptly as possible (in fact on my birthday so as to avoid the holidays).

On January **, 2015, I was very disappointed to receive a letter from Citi denying my claim based on the fact that [redacted] had already (and independently) issued a refund for the difference in price in response to my (independent) request to them.

This is completely unacceptable. I was expressly told throughout the process that this would not be a basis to deny my claim. Yet, that is precisely what Citi's letter states.

I expressly relied on the statements made by your customer service agents, as well as the advertised rules and regulations of the Citi Price Rewind Program, to proceed in submitting the required paperwork on multiple occasions. As you may imagine, this is very frustrating and disheartening. If I had been told by an agent at any point in this process that I would not be eligible for a refund based on my (separate and independent) refund from [redacted], I would not have wasted my time and energy on this issue. No agent said that because Citi's Price Rewind Program is advertised as an independent benefit offered to card holders that operates separately from retailer refunds.

Based on Citi Price Rewind's advertisement, I don’t understand how Citi Price Rewind can be deemed an exclusive Citi “benefit” offered to cardholders if, at the end of the day, it relies on retailers for the refund. Had I paid with any other credit card that doesn’t provide this purported “benefit,” I would have been in the same situation as I am today, with [redacted] having issued the refund based on my separate request. I am actually in a worse situation given that I wasted my time in submitting required documentation on several occasions and engaging in numerous calls with Citi customer service agents all for nothing. This is completely unacceptable.

My wife and I have been loyal Citi bank clients since we moved to the United States from Canada. We are Citi gold card members, with access to private banking. Given the way that I have been treated and misinformed, I am now seriously looking to transfer all my money to another bank more willing to honor its word. My time is very valuable. Because of the ambiguity surrounding the Citi Price Rewind Program and the information I was given by Citi's personnel, it appears that I have wasted significant time trying to use a program you profusely advertise, only to get nowhere.Desired Settlement: I expect that Citi honor its word by issuing the refund that I am entitled to through its Citi Price Rewind Program. That refund is for $657.27. In addition, I expect an apology (as well as some demonstrable token) for all the time I have spent trying to use a program as instructed only to get nowhere.

Business

Response:

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

Consumer

Response:

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

The response does not address any of my concerns. I am very disappointed with the way my complaint has been handled. I have not received any substantive response about the issues I have raised in my letter. I am re-attaching my complaint for your review given the lack of substantive action taken by Citi.

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 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,

Business

Response:

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

Review: My monthly payments have not been applied to promotional balances and I'm now incurring a grossly overcharged amount of interest.

I called [redacted]'s support line today and spoke with [redacted] and [redacted] regarding a $424.38 interest charge. [redacted] explained that the interest charge was for a promotional balance that had expired. I asked if/how I would be able to have this charge reversed and [redacted] explained that if I were to make a $200+ payment with her over the phone, that she would submit a request for a reversal/credit to my account. I made the payment with [redacted] and she came back saying only 50% of the charge was refunded. I asked who I could speak with regarding the entire charge and a manager, [redacted], joined us on the line. [redacted] explained that the 50% was decided by the computer and that was the only amount that was going to be refunded. [redacted] explained that all of my previous monthly payments were applied to my revolving balance first and then to the promotional balance. [redacted] stated [redacted] process payments this way due to a "law that recently changed" but couldn't explain it further. This charge more than doubled my entire bill. What kind of company sets up their customers for failure like this? I have made my payments consistently on-time for years now only to not be notified that my payments weren't being applied to a promotional balance. It's clear that [redacted] doesn't truly appreciate customers who continuously make on-time payments nor does [redacted] feel the need to notify customers how payments are processed. I'd be very interested in how [redacted] allows their customer service representatives and managers to use "a law recently changed" as a reason to justify their practice of splitting payments between balances. On their website and my bill, there is only 1 balance. There is no differentiation between a promotional balance and a revolving balance - so how are [redacted]'s customers able to differentiate how their payments are applied? Are we supposed to know the laws that govern how [redacted] runs their business? If their customer service representatives and managers can't explain it to me, how am I to know? If I had known that my on-time monthly payments were going to be split between separate balances and that I'd be receiving an interest fee that would more than double my total account balance, I would've ensured my payments were processed that way. However, I was never notified this was their practice. I hope there aren't a lot of other customers finding themselves in this same situation.Desired Settlement: I would like the option to have a full refund of the charge. This interest charge more than doubled my entire bill and I was only given a reason of "a law recently changed" and that a computer chose to refund only 50% of the charge. I would like to see [redacted] fully disclose their practice of splitting payments amongst balances. When I signed up for my credit with [redacted], there was no notice that my payments wouldn't be fully applied to my promotional balance. I would like to see [redacted] a

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 made two payments, each of $300, one on 6/** which was intended to pay for the month of June and one on 7/*, which was intended to count for the payment in July. I then received a call that my account was past due. Keep in mind my minimum payment for each month is less than $60. I paid $600.00 in that two month time frame. So I called in to correct my account and was told that my account was past due and that I needed to pay $109 at that moment in order to bring my account current. I was told that both of my payments had been applied to June, and that my July payment had not been received and that I was being charged late fees as well. I asked for them to correct the mistake by applying my $300 payment made on July [redacted] to July. They could not do this. Even after speaking with a supervisor. She told me the cut off for July was July [redacted]. Looking back, my payment did post on July [redacted]. I also noticed that previous payments had been applied to the following month when made before the [redacted] of the month. I have since cancelled my card but I would like my account corrected.Desired Settlement: I would like my $300 payment made on 7/*/14 to be applied to the month of July and I would like my late fees for July removed.

Business

Response:

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

Review: This credit card is letting unauthorized charges to be added to my account. I disputed the charge, but they said the vendor (McAfee) was allowed to charge $89.95 to my account. The vendor supplied some ** print out with a $31.95 statement. They allowed the $89.95 to be charged. I wrote to customer service that I wanted all charges to be stopped, and I would be closing the account. I got an email with a " we can't close the account," but you can work out any disputes with any vendors that charge. I told the CS rep in a very strong [redacted] that it was Citicorp **.Desired Settlement: I want my credit card account with a credit for the billing, and all charges to stop. I am closing this account as soon as my refund is posted.

Business

Response:

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