Citi

Review: I had received a rebate card through [redacted] for the amount of $100. This rebate was issued in the form of a Citi Prepaid VISA card number. The card has an expiration date of 05/14. I still have a $30 credit on the card and was trying to confirm when the system says invalid card. On 1/*/15 at 9:50am, I contacted customer service and was on the phone for 21 minutes. I was told that the policy stated they cannot reissue a card once the card expires and that I can no longer use the remaining balance. At this point I requested for a copy of the policy and spoke to a supervisor as well as a corporate support person ([redacted]) and no one was able to assist. They simply stated the policy is only sent out along with the card and one cannot be physically or electronically provided.Desired Settlement: I would like to see a copy of this such policy stating I loose out on the $30 because the card expired or the $30 credit issued back to 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:

[Your Answer Here]

I was told they can only submit a request with the legal department for the documentation I asked for but cannot promise when or if I will even get it. This is the same answer I got from the previous two customer service reps. I do not consider having reached out to customer as an acceptable resolution.

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

Sincerely,

Business

Response:

Tell us why here...2/**/15 Customer was emailed the requested documents today.

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 called Citi in December to request the closing of my card because two times between August and December, Citi decreased my credit card limit without notifying me that they will be doing this. I was only notified after the fact. I understand that Citi is free to extend to me how much credit they see fit and is not obligated to extend credit to me, but a reduction in my available credit shouldn't be a surprise. When I called to request that the card be closed, the agent that I spoke with closed it immediately and never told me anything other than that my card was now closed. Since then, I have continued to sign on to the Citi easy deals site to try and bid for auctions, but when I tried today, I was not able to log in. When I called Citi,, I was told that my points have been taken away and the Citi easy deals account was closed because I closed the credit card. I have accumulated in excess of 4500 points and I intentionally saved up all my points so that I could try and bid for something of value. Had the agent that closed my card told me that all my points would be taken away, I would not have closed my account until I used my points. The agent who told me today that my points were taken away, told me that when I made the decision to close my credit card, I made the decision to have my points taken away. I disagree, because I was never given the option. I was told today that nothing can be done by the agent and that the agent's manager is "busy." I guess the agent was busy too, because she hang up on me. I understand that now that the card is closed, there is nothing to put the points back on, but why was I not told that I was losing all my over 4500 points?Desired Settlement: I would like Citi to give me the cash value of my points, whatever amount that might be. I was never given the choice to lose them or keep them. Also, I believe that before an agent closes a credit card, they should be telling customers what is going to happen. It shouldn't be a surprise!

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: [redacted]

Business Information

UW Credit Union [redacted] Complaint Summary

Complaint Type: Consumer to Business Complaint

Today went to use UW-Credit Union to use my Citi Grifols donor card participant [redacted] to get $5.00 out ATM. When the ATM machine started looping the same information to re-enter my pin number. I went to check the balance on my card and receipt kept coming out the machine. Then went check the balance a computer in UW-student Union and the website block also. Then I went in the Credit union to try to transfer the money on my donor card in my checking account and that was blocked also. Then I went to 7 eleven on [redacted] and try to used Citi ATM and the same happen. So, a came home to check the balance on the phone and that was not blocked. Why is a this type social transaction in capitalism being blocked?Desired Settlement: Have Citi card stop blocking my cash withdrawn choice.

Business

Response:

[redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on March **, 2014 from [redacted] regarding his [redacted] prepaid account 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.

[redacted] indicated in his complaint that his prepaid card was declined and that he thought Citi blocked his cash withdrawals. We have reviewed [redacted]’ transaction history and have determined that his transactions were declined due to invalid pin entry. When Citi Prepaid Services followed up with [redacted] on March **, 2014 he had indicated that his complaint had already been resolved and he was able to reset his pin.

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

Sincerely,

Review: Never received billing statement after repeatedly requesting it. Company added wrong address multiple times. Account was sent to collection.

Husband and I got BB credit cards on same day. Husband got his first statement within 30 days. I never received mine even after calling in to request it. It took over 3 months to get my statement. I needed my statement so I could make payments. Once I got my statement I made my payments as expected. I recently pulled my credit report and noticed 30/60/90 late day hits. I should not be responsible for this account being late if I cannot received my statement. I cannot make a payment without an account number.Desired Settlement: Settlement would be I pay account in full and account is deleted from credit agencies and I no longer shop or do business with company.

Or... Company removes credit hits from credit agencies and I pay account in full and continue to keep account open and use as normal.

Business

Response:

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

Review: To Whom It May Concern:I placed an order for watches from a supplier in China. There was nothing custom about these watches. They are standard stock watches sold everywhere. I was told they would arrive within 30 days. After 60 days and no communication from seller I filed a claim. Seller has ceased all communication and as of today, 12/**/14, I still have no merchandise and the seller cannot and will not provide tracking information for any product. I have nothing. Seller even offered to refund the money and cancel the order (see enclosed email).I am requesting the full amount be reversed. I expect more security and fraud protection from a Company such as Citibank. If I cant have the trust of security needed in todays identity theft and computer hacking environment, I will cease using the card and never use Citibank products again.In addition, a complaint with the FTC and the Revdex.com will be filed.

Product_Or_Service: Watches

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I am requesting the full amount be reversed on my credit card in the amount of $896.40

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 received two $25 prepaid [redacted] cards from this company as a reward from a survey site. I've contacted their customer service 6 times to resolve an issue with my log in information. Each time, I was given a different way to obtain a new password. Each time, it's failed. I've spent over 45 minutes on the phone with them in the last 10 days & still haven't gotten a solution to the problem. Their customer service is more than friendly, but basically useless. I have a partially used card with a balance of $1.53. I have yet to find a business that will accept the $1.53 credit as a partial payment. I also have a $25 card that I'm unable to access. Both cards expire at the end of November 2015.Desired Settlement: I would love to get the $1.53 from the first card plus the additional $25 from the unusable card in the form of a check. It would be great to get something for the time I've wasted with the company, but not necessary.

Business

Response:

[redacted]

[redacted]To Whom It May Concern:Citi® Prepaid Services received the complaint

submitted on November **, 2015 from [redacted] regarding a prepaid

card issued by Citi Prepaid Services on behalf of US Aggregator. As a business that aims to provide a positive

cardholder experience, we endeavor to resolve all cardholder issues in a

thorough and satisfactory manner.[redacted] describes an issue with spending a card with a small balance left on one

of her accounts and also logging into the website to access her account. We

spoke to [redacted] on November **, 2015 and offered to mail checks for both

of her accounts in the amount of $1.53 and $25.00, respectively. [redacted] agreed to this, so two checks

were issued to the address of record on November [redacted]. In

regard to the website issue, a temporary password was generated for [redacted] and instructions were given on how to log into the account and change

this temporary password. [redacted] may contact a dedicated

service agent at ###-###-#### between the hours of 9:00 AM and 4:00 PM EDT,

Monday through Friday to discuss additional questions or concerns.We

regret [redacted]’s dissatisfaction with this situation. If the Revdex.com

should have any additional questions, please feel free to contact me at the

number and information found below.Sincerely,Leanne J. K[redacted]Customer Service Manager, CS

OperationsCiti® Prepaid ServicesCiti Treasury and Trade Solutions[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,

Review: I've been a loyal customer of Citicards for over 10 years. I've always paid on time each and every month. Last month, I had unexpected car repairs and called them to see if I could pay half on the due date and the remainder the following week. The full payment would still be made within the month. I was placed on hold for over 30 minutes. I called 3 times that day with the same result. So, I emailed them. They replied back and said they couldn't answer me through email but I should call. Apparently, they didn't read the part where I said I had been calling for hours. So, my payment was due on [redacted]. This person told me to call them back on [redacted]! So, by now it'd be late anyway, so out of haste, I paid half then and then paid the rest the following week. Then, the replied back and said they were open on [redacted] afterall! They also said I needed to pay 2\3 of the amount so I wouldn't incur a late fee. I don't know why they didn't tell me this before! So, once I paid up, I asked for the late fee to be removed. They refused. I asked for [redacted]'s email. They refused. I asked for [redacted]'s email. They refused. The person refusing is named '[redacted]'. Also, somebody named '[redacted]'. I refuse to do business with a company that is so secretive and unwilling to help. I'm asking for my late fee to be reversed so I can pay off this credit card and move on. I did not know Citicards had such terrible customer service. I've spend thousands of dollars on interest rates over the years and they refuse to help me this one time.Desired Settlement: DesiredSettlementID: Refund

$25

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.

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. [redacted] contacted me and was very helpful. She resolved my issue. Many thanks to her.Sincerely, [redacted]

Review: Greetings,

Citi Bank apparently has a small print in my contract that I didn't read that allows them to cut my credit limit from $10,000 to $4,800 over one late payment. I had the card for two years and used it for business. I charged up $10,000 on it, almost limit, and paid half of in two payments. I had $4,795 dollars left on the account and made a late payment by three days. They left me with $5 of available credit to punish me. That is very thoughtless as in most case $5 is not enough to even cover an emergency flat tire cost. But what bothers me the most is that leaving me with only $5 of available credit damages my credit history as it makes this card almost %100 full.

It is hard as is to monitor and maintain ones credit score, but when a company you trust and have $10,000 dollar business with miss treats you this way over one late payment it is mind boggling!!! I explained my situation to customer service and even offered to pay $2000 more on the card immediately to restore my balance but to no luck. I dread Citi bank. I hope someone can force them to change their ugly policies.Desired Settlement: I would like to have my balance returned to me.

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 company ran a hard credit inquiry on my name without my knowledge or consent.Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like for this company to remove the hard credit inquiry that it made on my name from my credit report.

Business

Response:

Dear [redacted]:

We recently received an inquiry on your behalf from the New York Revdex.com regarding a Citi Inquiry appearing on your credit report. Unfortunately, my attempts to reach you by telephone were unsuccessful.

Our records reflect that we received an application in your name for a Citi® ThankYouSM card on June *, 2013. Therefore, we respectfully decline your request that we remove the inquiry from your credit profile since it was the direct result of a request for credit when your application was received.

I appreciate the opportunity to respond to your inquiry.

Sincerely,

Presidential Communications

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 purchased a treadmill for this store in October of 2013. It took until late November for them to deliver the treadmill as their delivery dept kept scheduling the delivery at the incorrect time. I received the treadmill the last Tuesday of November, 2013.I was contacted couple of days later by the collection dept of Sears Citibank stating they needed a payment on my past due account.I never received a bill for the tread mill. NO BILL.I received the merchandise only a few days before the call.I tried to talk to them about this and did not have my credit card number and no one would discuss in subsequent conversations. I just received my new replacement card and in reviewing my statement for NOV I have been charged $25.00 late fee.I was assured the payment I made for one half of the bill would not contain a late pay. I was assured there would be no late pay reflected on my credit report or my billing with Citibank.I have paid my bill in full plus the $25.00 late fee as I am so disgusted with Sears. It is not my fault they could not work out their deliver on time four times.

Product_Or_Service: TreadMill

Order_Number: [redacted]

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

1. I request a refund of the $25.00 late fee I was assured would not be placed on my account. 2. I request a letter from Sears/Citi stating my November past due account status was incorrect and should have never been designed as late by them. 3. I want confirmation in writing of derogatory reporting by Sears/Citi immediately being corrected to reflect an error by them and reflecting my account is in good standing with no late payments report

Business

Response:

Dear [redacted]:

We received an inquiry from the Revdex.com of New York on your behalf regarding the above­ referenced Sears MasterCard account, which is issued by Citibank, N.A. Please let this letter confirm our phone conversation of December **, 2013.

Pursuant to our conversation, we advised you that the current balance on the account is zero. We advised you that your purchase in the amount of $657.56 was posted to the account on October **, 2013. There was a minimum payment due of $25.00 by November **, 2013. Upon non-receipt of the payment by the due date, a $25.00 late fee was assessed to the account. Your payment in the amount of $300.50 posted to the account on December *, 2012. The late fee was credited that day by the Collection Department. Your remaining balance was paid on December **, 2013, in the amount of $357.06. As we stated in our conversation, the account was not delinquent enough to be reported to the credit bureau.

In an effort to assist you, we issued a miscellaneous $25.00 credit to your account for the delay in the delivery of your purchase on November **, 2013. We have requested the credit balance amount of $25.00 to be sent to you under separate cover. Please allow 7 to 10 days for your receipt.

We sincerely regret to hear of the difficulty you experienced when dealing with the Delivery Department and subsequent representatives. Our goal is to serve our customers by providing superior service and products. One of the best ways to achieve this goal is to receive feedback from our customers. Our representatives are expected to be polite, professional, and courteous in all their contacts with our customers, as the quality of the service we provide our customers is of great importance to us.

We appreciate the opportunity to assist you with your concerns.

Sincerely

Review: I have been a member of Sears for many years. I have had several problems with their billing. Payment going to the another account...etc. I made a payment on Nov **, 2013 of $45.00. It was not even due yet. I call myself paying in good faith. Well, it seems as though the payment was supposed to be $46.00. Nevertheless, when I called it was $45.00. So now I am being charged a 23 or 26.00 dollar late fee. Well, it has been adjusted, but they still want me to pay the late fee. THIS IS FOR 1.00 DOLLAR! If it was not complete why did they not tell me. They had plenty of time. They told me I made a payment and thank you. Nevertheless, no here did it say there was still a BALANCE OF $1.00. I guess they might of felt it was too petty to put in writing...So now they want me to pay an amount of $72.00 on a monthly payment of $45 or $46.00. However, they reversed the late fee. Nevertheless, I still have to pay it...over $1.00. To me that is very petty, sad and discussing.I do not wish to pay $72.00 of which I have already paid this months (Dec) payment of $46.00minus the $26.00 late fee that was adjusted but I still am suppose to pay it.Desired Settlement: DesiredSettlementID: Other (requires explanation)

On the bill it states there is no past due amount, but yet I have a $26.00 late fee. How do I get a late fee if there is no past due amount??? If you would like to see the statement I can send to you email, fax, text...what ever you like

Business

Response:

Dear [redacted]:

This letter is in response to a recent correspondence received from the Revdex.com of New York on your behalf regarding the above-referenced Sears MasterCard account, which is issued by Citibank, N.A. We appreciate your patience as we reviewed your concerns.

In regards to your payments going to another account, our records indicate that the payments for $46.00 in February 2013 and $44.00 in April 2013 were misapplied to your account ending in [redacted]. Both payments were transferred to your account ending in [redacted]. While we regret the inconvenience it may have caused, the intended account did not receive any late fees from the misapplied payments.

In regards to the minimum payment, our records indicate that on the October 2013 billing statement, the minimum payment of $46.35 was due by November **, 2013. A payment of $45.00 was applied to the account on November *, 2013. The payment was less than the minimum due and a $25.00 late fee was billed to the account. We understand your concerns and as we discussed previously, if the full minimum payment is not received by the due date, a late fee will be applied.

In an effort to assist you, a late fee credit of $25.00 was applied to the account on December *, 2013. However, a minimum due of $72.31 was due by December **, 2013. We are unable to adjust the minimum payment due. We received your payment of $49.00 on December *, 2013, which left a remaining minimum due of $23.31. We received a payment of $23.31 on December **, 2013. Your December 2013 billing statement will be sent on December **, 2013.

Sincerely,

Review: they charged me deferred interest charges after I paid the bill in full a month early on 01/**/2013 I purchased tires from a local [redacted] using a [redacted] credit card. I made all of my payments on time and when I sent my last payment by check of $120.53, a month early, they showed on my statement that they only deducted $95.53 and that I still owed $25.00 on the " new promotion balance. I did use the card again in that time but they made it look like I still owed $25.00 on the original purchase which was 6 months free interest. I called and a rep on the other end said not to worry about it, it would be taken care of and to just make a payment on my next billing. when I got the bill they said I had missed paying off my 6 months free interest and charged me the whole deferred interest plus a late fee. when I called again they told me they did see the mistake but I would have to pay now with a check or debit card right now in order to pay in full. I said I would send a check but that they could only do it right now in order to forget the deferred interest. I did not and sent a check for $305.20([redacted])the next day.Desired Settlement: refund of deferred interest and no bad credit report

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 [redacted] credit card.

We have completed our investigation into [redacted] account. Our records indicate that the interest charge in question, in the amount of $63.33, was credited back to the account on August **, 2013. As such, the account reflects a credit balance in the amount, which [redacted] may use for goods or services at any [redacted] Retail location. Should [redacted] want these funds returned to him, he may contact a Customer Service Representative at ###-###-#### to request a credit balance refund check. Our telecommunications number for our hearing impaired customers is ###-###-####.

Thank you for your patience. If you have any further questions, please contact us at the address listed above.

Sincerely,

Executive Response Unit

Review: I have sent [redacted] numerous letters to ask them to remove unauthorized inquiries made on my credit reports. On 5/**/2014, 05/**/2014, 5/**/2014, 5/**/215 and on 05/**/2015 [redacted] Bank has made unauthorized inquiries on my credit report. I have sent them letters asking to remove the unauthorized inquiries and they have failed to reply to the letters and to provide the verification requested as to what permissible purpose they had to pull my credit report in the at the five different times. I have contacted them regarding this issue and have asked them to remove the unauthorized inquiries and they have not replied to my request. I have given them the required legal permitted time for them to reply to my letters according to the Fair Credit Reporting Act and it now has been more than 30 days and to now they have not replied or removed the unauthorized entries on my credit report.Desired Settlement: I need [redacted] Bank to obey the credit act rules and remove the unauthorized entries which were made on my credit report. Since they failed to reply to my requests for action within the legally required time frame, their only option now is to remove the illegal unauthorized inquiries on my credit report because of they illegally pulled my credit file without the proper authorization. Thank you.

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 have determined that my complaint has NOT been resolved because:The business did not address the issue and merely sent general information that can be found online.

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

Sincerely,

Business

Response:

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

Review: I received a prepaid visa from citi, in the amount of 150.00, I understand (now that it is too late) that the visa card only had a 6 month experiation date on it. I have used $60.99 in the month of Nov 2014 of the $150.00 card and went to use the card again that has a remaining balance of $89.01 and I am not able to use it. Citi refuses to issue a new card and they refuse to advise or give reason as to why I am not able have access to the remaining $89.01 on the card. I have called 2 times asking for assistance and they say " I can not issue you another card"

I want to know how to get this remaining money that is rightfully mine?

The visa card number XXXX [redacted]Desired Settlement: All I want is to have access to the remaining $89.01 that is righfully mine. I will except a prepaid visa card or a check or even a credit to my [redacted] wireless account which is the company that I received the orginal rebate from.

Business

Response:

[redacted]

[redacted] To Whom It May Concern: Citi® Prepaid Services received the complaint submitted on December**, 2014 from [redacted] regarding an expired promotional prepaid card issued by Citi Prepaid Services on behalf of [redacted] Wireless. As a business that aims to provide a positive cardholder experience, we strive to resolve all cardholder issues in a thorough and satisfactory manner. Upon review, Citi Prepaid Services determined that the promotional prepaid card that [redacted] inquired about was issued on May **, 2014 with an expiration date of November **, 2014. Citi Prepaid Services spoke with the cardholder on December **, 2014 and again on December **, 2014, and explained that the expiration date of the card and the funds had already passed. [redacted] was also reminded that the expiration date of the promotional prepaid card was displayed on the card itself and was disclosed in the terms and conditions that accompanied the card. We regret that [redacted] encountered this situaton and hope that this has resolved the matter. If the Revdex.com should have any additional questions, please feel free to contact me at the number and information found below. Sincerely, [redacted]Citi® Prepaid ServicesCiti Treasury and Trade Solutions(P) ###-###-####(F) ###-###-####[redacted]

Review: My account was compromised back around Dec 2014 and had to be closed. Another account was set up for my [redacted] account. My Jan-May payments were credited to my new account even though my old account number was on my banks check. The June payment went through my bank account on * June 15, but [redacted] Had on my July statement that my account was overdue and a $25 late fee was applied. I called the 800 number on ** June 15 and spoke to [redacted] who said he had transferred the money from the closed account to the new account. Everyday I have continued to receive calls about my delinquent account. I called again on * July 15 and spoke to [redacted], who transferred me to [redacted], who transferred me to [redacted] in the Recovery Department. [redacted] said both accounts were delinquent and going to be turned over to the collections department. He said I had to wait 7 business days for the money to be applied to the new account. It was already over 7 days and he said there was nothing that could be done until the payment was transferred. My husband ([redacted]) called the recovery number ###-###-#### on * July 15 and was told the reason for the delay was it was transferred as a refund and not as a payment and a refund takes longer to process. He advised my husband to call back on Friday to see if the account had been updated. Meanwhile we are still receiving 2 calls a day about not receiving payment.

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Billing Adjustment

I want my account credited for the June payment of $50 and a refund of the $25 late charge. They also informed my husband that the interest rate had gone up due to the late payment , so I would appreciate my account being returned to the lower interest rate.

Business

Response:

We have contacted [redacted] directly regarding this situation. Should she have any additional questions or concerns, we have provided her with direct contact information.

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: Today I received a telephone call and spoke with a representative about my account with this bank. They stated that I am contacted via email for my statements. As I didn't allow them to do this, my account is now 75 days past due. When I asked who was responsible for this, no one at Citibank would own up to anything. They stated that it was still my responsibility to know when payments are due, regardless of the lack of bills being mailed to my address. Because of this situation, I find myself owing more money in late fees than I believe is necessary. This company is requiring that I pay late fees because of their mistake. I don't believe this ought to be the case. Citibank dropped the ball and ceased mailing me statements at some point, without my notification. It took three telephone calls to get someone there to fix the situation, with respect to the statements. However, the company still maintains that I am responsible for these late fees. I shouldn't be held responsible for their mistake. Citibank needs to own up and take responsibility for their mistake. I believe they're just covering their collective [redacted] and expect me to roll over and take the penalty. That shouldn't be the case. I expect them to reduce or eliminate the fees accrued because of their mistake. They needn't apologize for "any inconvenience" either. It's their mistake and they ought to take the hit for these late fees. I expect this company to further educate their customer service reps so that information is the same every time I call. They can't even figure out the correct monthly payment for the account I have in their office. Suffice it to say, something needs to be done about this. I expect satisfaction as a consumer.Desired Settlement: DesiredSettlementID: Refund

I request Citibank take the hit on the late fees because of the mistake on their part. No one received my permission to switch me from paper statement to electronic statements. I also expect them to own up to their mistake and make sure it doesn't happen to me again. if It does happen again, I will file a complaint with the Revdex.com and the Consumer Protection Agency. Unless Citibank would like this to happen, I expect them to resolve this matter quickly rather than l

Business

Response:

Dear [redacted]:

We are writing in response to your correspondence that was received from the Revdex.com on11/**/2013.

On January **. 2013. we mailed you a letter in response to an inquiry that you made with the Consumer Financial Protection Bureau. A copy of this letter has been attached for your record. This letter advised you of your next payment due for loan 24. But also advised you that loans 25 was past due and **, ** and ** were presently being serviced by another entity.

Our records indicate that you have been receiving paper statements since August 2013. As you stated in your letter, it is your responsibility to maintain the monthly payment on your student loans. We do feel at this time; that we have made the appropriate steps to ensure that you are aware that you are payments are due and we will not be removing any of the late fee that have been billed to your loan.

Please be aware that your account is past due. Collection activity will continue until this account is brought current by either a payment or an approved deferment. Forbearance, or both. Late fees may be assessed if your account is not paid within 15 days of your due date,

If you have any questions or need additional information. please contact me at [redacted] Monday through Friday from 7:00 a.m. to 2:00 p.m .. Central Time.

Sincerely.

Review: My complaint involves a customer issue as well. I went inside the store yesterday to purchase some clothes for my father who's in a nursing home. I have a Sears platinum credit card, which I thought, was a sears store card. I was informed that this card can be used anywhere. The cashier asked me did I want a reward card, not knowing she was referring to a sears store card. I was never given an application, she asked me for my information through the machine in the store. I have a plenti card with Macy's so I'm thinking what she sign me up for, works the same way. when she asked me for my social security card I responded the last 4 digits and she said no, your whole SS#. I replied why, she said for the reward card, so you can get points for you purchases. I thinking that this was needed to verify that my information on my card was correct. all the time she was signing me up for a Sears store card. Why do I need a Sears store card when I have a platinum card with them. I realize what she had done when she asked me to sign a paper, which was the application. I asked her you ran my credit, I didn't need no store card, I don't hardly use this card, because I really don't shop in Sears. I was refinancing my brand new car next week and now I can't get the low interest rate that was quoted because she ran my credit and gave me a credit card I never asked for, without my consent. I called Sears last night and tried to get them to cancel the card, without it being on my credit report as a inquiry. I so upset and frustrated with the false advertising I experience from this cashier [redacted]------, she looked dumb after I was telling her why she sign me up when I didn't need a store card.Desired Settlement: I want this resolved without it going through my credit report. I don't want or need no Sears store, card when I have a platinum Sears card with Citi. I'm very much on top of my business and would never allow myself to be taken advantage of, and in this case, I feel like I was coast into something that I wasn't given the correct information about.

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 citibank aadvantage executive credit card which I applied a year ago and haven't used it on a regular basis since this year. On March ** of this year I found that the card was charged the annual membership fee of $450 in Februray. So I called in to ask for closing the card and get the annual membership fee refund back. The representative told me that there was certain time window to get the membership refund and I already passed the time window. I told her that it was unacceptable because it was only less than 2 months passed however I had to pay the fee of the whole year. The representative told me that it was the policy and everyone would tell me the same thing. I ended this call and called in a moment later to talk with another representative. This time I was told that I would get the full membership fee back if I close the card. So I agree to close it and I was told the refund would be posted to my account within 7 business days. Yesterday I checked my account and the membership fee balance was still there. I called in today to ask when the refund would be posted however I was told because the time window for refund passed so I were not able to get the refund. I have no any other means but to appeal the unfair treatment to get my refund back.Desired Settlement: get $450 annual membership fee refund baclk

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: On 02/**/15 I paid the balance of my Citibank credit card in full, bringing my balance to $0.00. On 03/**/15 interest charges were applied to my account totaling $18.20. I was unaware of these interest charges because I am failing to understand how interest charges can be applied to a $0.00 balance. Because I was unaware of the interest charge, my account went past due in April 2015. On 04/**/15 interest and late charges were applied to my account totaling $18.70, bringing my previous $0.00 balance to $36.90. As I was still unaware of these charges, my account remained past due in May 2015. On 05/**/15 additional interest and late charges were applied to my account totaling $37.40, bringing my balance to $74.30. As I was STILL unaware of these charges, my account remains past due in June 2015. On 06/**/15 additional interest and late charges were applied to my account totaling $37.77 bringing my balance to $112.07. I never received a bill from Citibank, nor did I receive a single phone call until 06/**/15. On 06/**/15, I set up a payment online for the total balance of $112.07 to be posted on 06/**/15, as the due date is 07/**/15. I received a confirmation number for this scheduled payment. Since 06/**/15 I have been receiving automated phone calls nearly daily from Citibank regarding my account. When I log onto my account online, I am unable to change the payment date because the pending payment for 06/**/15 does not appear in my pending payments. Instead there is a message stating that the website is experiencing temporary difficulties and to check back later. I have called Citbank multiple times to inquire about the pending payment, and they assure me that the payment is in fact pending and is scheduled to be posted on 06/**/15. However, they continue to harass me about the account being past due. I cannot change the payment date because the website is broken and I am unwilling to change it over the phone because I do not believe they will do it correctly and that I will be charged double the amount. I am failing to understand how interest charges got applied to a $0.00 balance in the first place. I paid the account off before the March due date and the balance was $0.00 BEFORE the March 2015 interest fee was applied. When I call I get a scripted response and an apology and no resolution to the harassing calls I am receiving despite the fact that the payment will post to my account BEFORE the 07/**/15 due date. I have closed the account.Desired Settlement: I want the interest charge explained. How does an interest charge of $18.20 get applied to a $0.00 balance? How does a company allow $112.07 in interest and late fees to be applied to an account without making a single phone call to the customer or sending a bill in the mail? When this payment of $112.07 is posted on 06/**/15, I expect that no further interest charges or late fees will be applied to this account. I want this money ($112.07) refunded because they should not have charged any interest charges to my account in the first place, as the balance was $0.00 as of 02/**/15. I also want any damage done to my credit score to be repaired.

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: Customer Service for Citi Premier Credit Card said that the 50,000 bonus thankyou points could be used as a $500 statement credit. They lied.

When I applied for this Citi Premier credit card, I spoke with a fellow from the Philippines which indicated that not only would I receive a credit for my 2.3% service fee for using this credit card to pay for part of my property tax bill but; he also indicated that I could use the 50,000 bonus points as a $500 statement credit. He lied. Upon receiving my credit card, I called to activate the card and ask the gal who answered the call the same thing and she agreed. I wasn't going to activate the card or use it to pay taxes if those promises were not going to be met. I went ahead and charged close to $5K that same day. When I received the bill, I immediately called and asked to convert my bonus points to the $500 statement credit. At that time, I was INFORMED THAT I WOULD ONLY GET $250 STATEMENT CREDIT. WELL THIS WAS PRETTY UPSETTING TO ME BECAUSE I APPARENTLY WAS LIED TO. I EVEN ASKED TO SPEAK WITH MANAGEMENT AND GET THE CALLS PULLED BECAUSE I KNOW WHAT I ASKED AND WHAT THEY SAID. HOWEVER, AFTER BEING TRANSFERRED A FEW TIMES; I WAS INFORMED BY A [redacted] NAMED [redacted] WHO SAID THAT THERE WAS NO SUCH THING INDICATED ON THE CALL(S). I BELIEVE THEY ARE EITHER LIEING, OR THE CALLS HAVE BEEN ALTERED TO SUIT CITIBANK BY EITHER THE REPRESENTATIVES OR MANAGEMENT. I WOULD NOT HAVE ASKED THEM TO PULL THE CALLS IF I WAS LIEING????!!!Desired Settlement: I STRONGLY BELIEVE THAT CITI SHOULD KEEP THEIR PROMISE THAT THEY MADE TO LURE ME INTO USING THEIR CREDIT CARD. AT THIS TIME, I HAVE USED THE POINTS TO PURCHASE GIFT CARDS AS [redacted]) INDICATED THAT SHE DIDN'T HAVE ANY PLANS ON ADDING ANY MORE POINTS TO MY ACCOUNT NOR DID SHE CARE IF I CLOSED THE CARD.

I BELIEVE WITH ALL THE ANXIETY AND FRUSTRATION THAT ALL THESE INDIVIDUALS CAUSED ME SHOULD, AT THE VERY LEAST; CREDIT MY ACCOUNT $250.00 SINCE THAT IS PART OF THE LOSS I WAS PROMISED. [redacted]

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 somewhat satisfactory to me and the matter was going to be resolved by speaking directly with the agents and, specifically, the rude [redacted]. I do still feel that Citi should have also sent me a check or gift cards in the amount of $250.00 to gain my future business especially with the hassles I went through that caused much unwarranted anxiety and stress. I was told from [redacted], the lady that contacted me, that she'd have no problems with a $250.00 credit but my account was closed. I had informed her that I closed it after not hearing back from anyone after filing this complaint. I still feel that they can show their apologetic behavior by the $250 check or gift cards. Only GOD knows if they waited until I closed my credit card to finally make contact with me and find an excuse to not give me the $250.00. Citi can afford it.

Sincerely,