Citi

Review: This company pulled my credit and has reported inquires to my EQUIFAX credit report on the following dates:

11/**/13 AND 01/**/15

I have sent correspondence to this company via [redacted] disputing these inquires and asking that that be deleted from my credit report OR that the company provide me written evidence showing that I authorized these alleged inquiries and detailing the permissible purpose. I again have no recollection of authorizing these inquires and want them removed from my credit report which will in no way harm the company. I however am being harmed as the inquires being reported erroneously and are causing my to suffer financial losses.

Again please understand this complaint is my last resort before pursuing possible legal action since the company has not responded to my written request sent by [redacted] disputing these inquires and asking that that be deleted from my credit reportDesired Settlement: REMOVAL/DELETION OF INQUIRY AND LETTER/DOCUMENT CONFIRMING REMOVAL/DELETION OF UNAUTHORIZED INQUIRY

Business

Response:

We have responded directly to [redacted] via mail on April **, 2015.If you would like to further discuss the resolution, may I suggest you contact him directly.

Review: We received a notice from [redacted] that we owed money an anccount after they have failed to generate any ballanced or payment due dates after we made a purchase. A month after we purchased items from [redacted], we made a payment in full, but months later they keep calling 10 times a day leaving automated voices mails and requesting that we pay $95 in nothing but late interest when the main problem is that [redacted] did not send a ballance at all and claims that they have sent it to an older email address that waa on file 7 years ago. I should not be responsible for this charge as I was not properly notified about any additional ballance due.Desired Settlement: DesiredSettlementID: Other (requires explanation)

this item should be removed off my credit and removed fromhome depot as money owed. This item was paid in full after it was purchased in the normal time allowed for the first payment. I will not be taken advantage of for something I knew nothing about.

Business

Response:

Tell us why here...We have corresponded directly with our customer verbally and via [redacted] mail. Please allow 5-7 days for [redacted] to receive and review the response from Citi.

Review: I had a loan with this company and I've had several others before and never had an issue. Last month, July **, 2013, asked for a payoff quote and got a cashiers check to pay them off. I told them I wanted to make sure that I didn't have a payment for the month I was paying them off, so to give me the exact amount that was owed. They gave me an amount and later that day another payment was trying to be deducted from my account. I had contacted my bank to make sure no auto-payments would be made to that company, because they had been completely paid off. I received all documentation and the title to my vehicle (they used for collateral). They had stated that everything was paid. HUGE lack of communication on their side. I paid off the loan specifically so that I would no longer have payments and now they're requesting another payment, with interest and a bounce fee.Desired Settlement: DesiredSettlementID: Other (requires explanation) I'm requesting that they don't charge us that payment, since they did not state any other payments would be deducted. Especially, when I specifically told them I was paying off the full amount, so that I would not have any payments for that particular month.

Business

Response:

Dear [redacted]:

We are in receipt of your correspondence dated August **, 2013, regarding [redacted] concerns and we appreciate this opportunity to respond.

I have been unable to locate any account in the name of [redacted] with the information provided. Please have [redacted] supply the 15 digit CitiFinancial account number, or the primary borrower's social security number or a copy of the monthly billing statement. Please be advised that CitiFinancial Services tracks accounts by the primary borrower's name and social security number or full account number. Once provided with the account information, we can assist [redacted] with her concerns. [redacted] may forward the necessary information to me at the address listed above or by facsimile to ###-###-####.

Should you have questions regarding this letter, please feel free to contact me directly at ###-###-####.

Sincerely,

Resolution Specialist

Executive Response Unit

Review: I was pre-approved for a Citi Simplicity Card and I had called in and spoke to a representative to apply. During my call, I had confirmed with the agent multiple times that I would not have a hard inquiry on my credit file, and I was assured that because I was pre-approved they would do a soft inquiry only. After I was approved for the card I noticed I had a hard inquiry on my credit file the very next day. I called into Citibank customer service to discuss this issue, and eventually was connected to a manager who apologized that "misinformation was given to me" and the hard inquiry would not be removed.Desired Settlement: I would like Citibank to review my initial call to them on 6/*/15, which should have been recorded for quality purposes and to remove this hard inquiry. If necessary to remove this inquiry, they can feel free to close my account with them as well.

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: Company failed to provide an area on the website for customers to receive an alert of the approaching deferment period end.

I received my Feb. statement and was surprised at the amount due ($279.00), it was five times my normal payment. Initially I was told that I was on an eighteen month deferment plan. I called Citi Health Card customer service numerous times, they did not offer any explaination. I also ask if I could change my payment plan to the budget plan. The customer service rep, said no. I do not recall being offered this plan initially. The current bill shows that I am over the limit ($2,120.82), and it shows interest ($3,172.82), which almost exceeds my borrowed amount ($4,998.00). I am a senior citizen and cannot afford to pay almost $300.00 a month. The customer service rep did offer a third party to help me temporally. I informed Citi Health that I did not want to speak to a third party, my account is with them. The Citi Health Card website offers customers an alert for their monthly payments, but it does not offer an alert for approaching end of deferment period. This lending method is unfair to low income individuals, seniors, etc.

ADDITIONAL DETAILS:

Case is being handled by another organization: Consumer Financial Protection BureauDesired Settlement: I would like the company to provide an alert option on their website for deferment payments. This could allow the customers a chance to pay the loan amount, in full, before it is doubled. I am now faced with unreasonable payments, and a company that neglects to offers other options for seniors, low income individuals, etc.

Business

Response:

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

Review: Citi has been partnering with a fraudulent service called payment safeguard. They charge the cardholders a certain percentage based on your card balance regardless of whether the cardholder pays back the balance or not, and unfortunately I was one f the cardholders who was set up for that fraudulent service. I'd like the entire fraudulent charge to be refunded back to me since the service had begun, $436.Desired Settlement: Refund of the entire charge of $342.15.

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:

[Your Answer Here]

I have communicated with Citibank through several phone calls and they did not offer a satisfactory solution.

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:

Just issue the refund. No contact necessary.

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 changed address in May 2014 and notified CITI of change of address. I stopped getting statements and changed to paperless statements, which I did not get., same email for 30 years.

I paid the account in full $3404.58 in Feb ** 2015 and that was shown on website

I receive an email today I am overdue $26.04. India customer service was useless.Desired Settlement: Zero Balance on account

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]

Citi Bank did not call the number they were given, instead they called one of the cardholders and left a message. We have left two messages to the person "[redacted]" from Citi bank who has not responded.In the time since our first complaint to Revdex.com we have a new email from Citi Bank now claiming another "late fee". It is clear Citi Bank has the ability to contact us when they wish and seem to not wish to resolve this issue.Please help us to resolve.

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:

Our caretaker did accept a certified letter on June * from Citi Bank. This will be reviewed when forwarded.Why does this merchant refuse to send electronic submittals? Is this another attempt to just charge unjustified fees on a zero balance?Again this account was paid in full,

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: As an Active Duty Service Member stationned overseas, I contacted the CitiBank customer service in order to benefit from the SCRA. I faxed to the bank a copy of my LES to prove that I am on Active Duty and a copy of my most recent re-enlistment contract to show that there was a break in service marked by my discharge status prior to re-enlistment. This is the same criteria all other financial institutions and creitors have used to apply the SCRA to myself and other service members.

Despite all teh clarifications I provided through emails, Citibank will not let me benefit of the SCRA enacted by federal law.Desired Settlement: I would Citibank to apply teh SCRA to me on the same basis all other financial institutions like [redacted], [redacted] and my other creditors have done it.

Thanks

Business

Response:

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

Consumer

Response:

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

Citibank is not willing to work with me on the issue while other financial institutions have used the re-enlistment contract to give the benefits.

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

Sincerely,

Business

Response:

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

Consumer

Response:

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

CitiBank contacted me by phone but offered nothing acceptable.

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

Sincerely,

Review: purchased lawn tractor from [redacted] on 2/**/14. I was told there was a "promotion" available which gave us the chance ofhaving no interest if total was paid within specified period. nothing wasstated that if we did not pay off the $2826.23 the interest that wouldhave been charged $811.79 would be added to the total. Both [redacted] and Citibank were aware that I was just that day been approved by Citibankfor $3000. If I had known about this, I would have gone elsewhere otherthan [redacted] and Citibank.

Product_Or_Service: Craftsman Lawn Tractor

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

I feel the $811.79 interest charge should be dropped,as Citibank was awarethat my approved credit limit of $3000 would escalate to over $4000 ifthe total charge was not paid in full.

Business

Response:

Good Day All,

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

Regards,

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: [redacted] has a late payment on my credit report. When I called regarding it the customer service employee could not help me get information on it. They told me they didn't see any late payments. However I have late payments on my credit reports.These late payment were caused because the [redacted] changed the credit card company that was holding my account. With this change I couldn't get in to the system to pay my bill because I didn't have my account number because I wasn't getting my bills because I went paper less. You would image that if the account was switched to a different provider I would be giving paper statement until I opted out I also don't understand how the customer service associates couldn't help me with my concerns and just said she didn't see any late payments on my account

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

I would like my late payments to be removed

Business

Response:

Thank you for your communication regarding [redacted]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.

Review: A charge was posted to a credit card that I had discontinued. This charge, "[redacted] "annual renewal [redacted]" was added to a discontinued credit card unauthorized. Citi Card has continued to add interest charges even though I have called the company several. My complaint is that this charge was added to a canceled credit card without any authorization.

Product_Or_Service: none purchased

Account_Number: last 4 numbers of myDesired Settlement: DesiredSettlementID: Refund

I request that the unauthorized charge be deleted and the accumulated financial charges be rescinded/deleted. I had used this credit card for several years and had requested another from a different company when I discontinued this card.I did file a dispute July 2014 after trying to get the people to understand my complaint. The dispute stated "[redacted] would not refund the charge". My complaint was that the charge should not have been allowed in the first place, as t

Business

Response:

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

Review: I was charged $5,206.75 back on November 2014 by a collection agency. This was after I was coerced into paying because I was in the process of buying a house, and the process was stifled by this erroneous debt being reported on my credit history. They knew this, so over the phone they told me to just pay it, then after I proved I didn't owe the debt, they would refund it back to my card. The problem is, they are the ones who have to prove I owe the debt, in writing, which they never did. They followed unethical collection processes, and didn't follow the law.

After I sent in documents showing I didn't owe the alleged debt, I called them and they agreed to refund me. I asked when, and they said they didn't know but just to "wait it out". I asked them to provide me written confirmation that I was owed a refund, but they refused. When I said to just refund it back to the card, they laughed at me and said they would get to it when they could. Since the deadline was almost there to dispute the charge, that's why I disputed it.

I called Citi in January to dispute the charge, and they placed a temporary hold on it. It was requested that I send in documents to prove my case, which I did on many occurrences. There was a deadline listed for the business to respond, and by checking the status online I saw that the deadline came and went without the business responding. Then to my surprise, the credit was reversed in March, saying it was determined to be a valid charge. The bill showed I owed the full amount.

I called on 4/** to inquire, and was told that Citi never even disputed the charge with the merchant! They said they didn't have enough information, even though I responded to every request and provided all information that was requested. They said they needed proof that a refund was owed, even though I told them I couldn't get anything in writing from them. I had, however, sent them court documents showing the record was expunged, meaning the state agreed that I didn't owe the money in the first place. I sent these documents again, and they said it would be resolved before my payment due date on 5/**. That date came and went, and the charge was still on my bill, so I just checked and I was charged interest and a late fee for not paying the bill.

I've emailed and called since, and haven't gotten a response. This has dragged on long enough, I just want resolution so I don't keep getting taken advantage of by the merchant, and don't keep getting more fees and interest added to this balance I don't even owe!Desired Settlement: I would like my information taken into consideration and the charge disputed with the merchant, since I didn't owe the alleged debt in the first place and they promised to send me a refund but never did.

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:

I see the credit for the charge, but not for the late fee and interest as promised. My account says a payment is due on 6/**, so I need this to be resolved by then so it doesn't affect my credit when I don't pay.

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 am unemployed now for one month, looking for a job, haven't found one yet. I have very little money to spare. I had a balance of $32.00, I made half, $16.00 dollars, because of no job and little money. My balance should be $16.00, but no, [redacted] added charges of $30.00, I don't have the money, [redacted] don't care whether I am without job and money, they just add charges to get more money.

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

Take away the $30 dollars they added and put my balance back to where it belongs, $16 dollars, afterwards I am closing my account for what they do to their customers. They have no compassion for their customers.

Business

Response:

We responded to the customer on 06/**/2015. The customer should allow 7-10 days to receive our written response. Should the customer have additional questions or concerns, they can direct those to the address listed in our response.

Review: CITI Bank is who I have my loan with for several years, and they have offered a refinance option to me for a second time. The first time a while back it cost me $105 to get the process started, then after delay past 110 days, they told I had been approved then after saying I was approved that it went back to the under writer and they needed money to keep my interest rate. I talked to another loan officer just recently who said because of HARP and their revised policies that there would be no replay of the last time. He said they learned their lesson since then and it would not be like that again. So this time it cost me $463 dollars for appraisal and process. After sending me papers to sign, asking for W2's , insurance declaration, and tax returns for last 2 years, I gave all , signed all papers and was told it went to under writer. Then I come home from a trip and find that they asked for all of it again, plus other things that I have no idea about, and they want it all in 5 days. ............ I am very aggrevated and feel I have once again been taken advantage of by CITI bank and mortgage company.

Product_Or_Service: RefinanceDesired Settlement: DesiredSettlementID: Refund

I want my $463 dollars back and I am going to another source for refinance.

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 had to Citibank [redacted] cards opened back in 2003, one was a regular [redacted] card and one was a [redacted]. The [redacted] card they have as closed in October 2004 that was listed as a write off/charge off which was paid! The card limit was 1000.00 and with interest the total paid on that card was 1600. The other card was a [redacted] that was closed in May 2005 and had a 1500. balance. That one was paid off in July of 2005 for I believe 2300 or somewhere close to that amount. For the period of time that has passed they should be off my [redacted] credit report and they are not, and the information on those reports are wrong. I have disputed the claims through the credit bureau years ago and it still has not been removed from my credit report and the accounts were closed 10 and 11 years ago! I was told to contact them and have the inquires removed and prove now that I ever paid the cards, when the other credit bureaus had the correct information before they fell off due to the time that they are suppose to remain on your credit report. I have contacted them several times and have asked for the information to be removed and all the say is I can't help you or constantly hang up on me for the last few years. I would like this resolved once and for all. I do not have either account that these accounts were paid on as that was 10 plus years ago and now I have moved and since married and the one bank I believe does not even exist anymore.

Product_Or_Service: Citibank Credit Cards from [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like both inquires removed off my credit report. They are way past the max fall off date and since they refuse to correct the information even with proof sent in several times several years ago, they still refuse to update and correct the information or have the information removed. I just want BOTH credit cards off my credit report once and for all.

Business

Response:

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

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: Citi Bank has stated that they will contact me directly which they have not done. I have reached out to them on many prior occasions and weeks prior to this complaint and still have not talked to anyone about the issue. I would like CITI BANK to release what information they have on the said accounts so that this issue can be resolved. ALL represenatives I have talked to told me to write in or fax in written issues. I have on several occasions many years ago provided documentation directly to citi bank proving that these accounts were PAID IN FULL, and yet they have not changed the status on my credit report. Since the date they have closed the account on my credit report, they should of had both accounts removed from my credit reports! CITI BANK, PLEASE RELEASE THE INFORMATION TO THE Revdex.com ON THESE TO ACCOUNTS SO THEY CAN RESOLVE THE ISSUE SINCE FOR OVER 10 YEARS YOU HAVE NOT BEEN ABLE TO PROPERLY HANDLE AND SETTLE THE ACCCOUNT, OR REPORT PROPER INFORMATION TO THE CREDIT BUREAUS.Thank you.

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

Sincerely,

Business

Response:

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

Consumer

Response:

Citi Bank has wrote to me and told me that they informed the Credit Bureaus to remove both inquires from all my credit reports. They told me who to contact if I have any other issues, even though the accounts are from CITIBANK directly. I will be satisfied once their inquiries have been completely removed from all my reports and I have a new print out confirming this. Thank you again for everything and getting a response so quickly from CITIBANK. I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I have a CITI bank credit card. I get billed electronically. I had not received a bill for April or May's statements. I had to look up online to discover when my bill was due both months and was late by 2 days in April and by 1 day in May. I rely on electronic billing as I am very busy having moved into a new home recently. On each occasion I was charged a $39 fee, which both times more than doubled my amount that would normally be due. I complained to CITI about not receiving the bill for April and again I did not receive in May as earlier stated. Yesterday, I did receive June's bill which showed the late fee for May. I believe these late fees are an abuse of power by CITI Cards, and due to their own failure to provide me with billing, or any follow up notification, or response to my email complaints. [redacted]Desired Settlement: Refund the $39 late charge to my credit card and remove the $39 late charge to my current bill. Begin paper billing in addition to electronic billing. Follow up on customer billing complaints by email.

Business

Response:

Dear [redacted]:

We recently received an inquiry on your behalf from the Revdex.com of New York regarding the above-referenced account.

You indicated you did not receive your April and May 2013 statement notifications by email which caused your account to become past due and be assessed late fees. Our records reflect you enrolled in our paperless statement feature on February **, 2012 and email notifications were sent to you each month until your enrollment in paperless statements was cancelled at your request on June **, 2013.

Because your payment due on May **, 2013 was not received until May **, 2013 and the payment due on June **, 2013 was not received until June **, 2013, $39.00 late fees were assessed to your May and June 2013 statements. Our Customer Service area applied credits for the two late fees, along with a total of $14.67 in related interest charges, to your account on June **, 2013. These credits will appear on your July 2013 statement.

I hope this response has satisfactorily addressed your concerns.

Sincerely,

Presidential Communications

Review: On October **, 2014 I received three e-mails from Citibank regarding linking my [redacted] account to my Thank You Member account. The first e-mail was sent at 11:32am stating that I requested to link my [redacted] account to my Thank You account. The second e-mail was sent at 11:39am stating that I requested to delink my accounts. The third e-mail was sent at 11:44am stating that I requested to link the accounts again. (Copies of the e-mail are attached). I did not make these requests.On October **, 2014, I received an e-mail from Citibank stating that I redeemed 25,153 Thank You points for an [redacted] order. (email attached). I contacted Citi telling them that I did not make this request or the requests to link my [redacted] account to my Thank You account. Citi advised me to contact [redacted] and [redacted]. from the Charge Investigations Department at [redacted] sent me an email confirming the fraudulent activity. (email attached). I also gave [redacted] the order number and they said that the order number is invalid. I contacted Citi and they created a case #. I received a letter from Citi dated October **, 2014 stating that [redacted] did not provide information to them during the investigation and to contact [redacted]. I also contacted Citi regarding the three fraudulent transactions on my Citi credit card account. The fraudulent activity occurred on 10/*, 10/**, 10/**. (Copy of account is attached). I requested the bank to refund me the amounts since it was due to fraud. It appears the bank refunded me two out of the three transactions.Desired Settlement: DesiredSettlementID: Refund

I'm requesting Citi bank to refund me 25,153 Thank You points. In addition, I'm requesting Citi to refund me a total of $18.94 for the three fraudulent transactions made to my Citi credit card account. I'm also requesting a gift card for my time and inconvenience. It appears Citi bank is pushing this issue onto [redacted] when in fact it is Citi who should be taking care of this issue. I've been on the phone with [redacted] and Citi for hours regarding this issue.

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: On 08/**/15, I attempted to make a purchase at [redacted] and my credit card was declined. I contacted Citi and was informed that "Charges have been identified that may be unauthorized. Please contact our Customer Service Department at ###-###-#### (TTY: ###-###-####) immediately to verify these transactions."

The first person stated she cleared everything up for me. I attempted to make a purchase again at [redacted] and again, my credit card was declined.

I contacted Citi again and was informed that I would need a relative with the same last name as mine to verify my identity over the phone. Otherwise, my account would remain blocked! So now I have to get someone else involved? How would Citi verify that this "relative" is in fact a relative???? By asking for personal information? That in itself, sounds more like a scam!

I gave the second person my social security number, the transactions I made, the payments I made, etc, and that wasn't good enough to unblock my account. So what if any relatives with my same last name were deceased? Would that mean my account is forever blocked?Desired Settlement: Immediate unblocking of my credit card and an apology for the ridiculous request they made that they speak to a relative of mine with the same last name to verify I am who I say I am.

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 was encouraged to apply for [redacted] Credit while paying for merchandise in a [redacted] to get $10 off if approved. Since I have good credit I decided to go ahead. I was surprised it was denied and there was a number for me to call. I spoke to a rep who looked at my credit report and said she couldn't figure out why it was being denied for delinquencies when the credit report didn't show any, but she said there wasn't anything she should do that I should call [redacted]. So, they don't show any delinquencies and told me the problem is with [redacted] automated system. So now, I don't have the [redacted] credit and I have a ding on my credit record for applying and both companies just tell me they don't know why.

Product_Or_Service: Credit ApplicationDesired Settlement: DesiredSettlementID: Other (requires explanation)

I want someone to manually take a look at this application and if they are not going to approve me to remove all record that this credit was applied for because I shouldn't be dinged a point on my credit score for a credit request deniedthat no one call explain why it was denied because there are no delinquent accounts.

Business

Response:

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

Consumer

Response:

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

[Your Answer Here]

No I totally reject their response as invalid. They did absolutely NO RESEARCH on my complaint. I have documentation which can PROVE my claim which I might just have to file litigation on them if they do not clear this up. I want a CITI representative to call me, not send me a meaningless letter.

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:

Now the business has contacted me and basically LIED about a telephone call which occurred the day after I applied for the account. I am demanding that they pull the recording of this call and they will see who is lying and who is telling the truth. I received a call several days ago from a woman who claimed she was the same person who pulled my credit report on my first call to them after I was not approved for the card. She said she didn't see anything on the report that was delinquent and that I should contact [redacted]. So now she contacts me saying she is the same person who reviewed my report the first time I contacted them by phone and saying the report shows delinquency. An out and out lie from what she told me the first time. I don't what you people are up to, but I insist that the recordings be reviewed. I will file legal action against CITI and then they will be supoaend so you might as well listen to them now. If this isn't rectified I will be at [redacted] and [redacted] making sure I tell people in line to NOT apply for your card.

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

Sincerely,

Business

Response:

Good Day All,

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

Regards,

Review: Citibank does not honor their promotion to have you sign up for a card.

I signed up for the Citi ThankYou�® Preferred Card because it said on their website at my time of online application that the card had 18 months 0% and a 20,000 bonus point credit if you spent $1,500 in the first 90 days on your new card from date of activation. I spent $6,000 and my 20,000 points never appeared. Their online chat rep pulled up my account late November and told me they would be credited to my account on 12/**. On 12/** the 20,000 were still not credited. I contacted their customer support and they said they would not be crediting the 20,000 points. I said this is the entire reason I signed up for this card, I don't NEED an additional credit card, I wanted the 20,000 points and that reason alone is why I opened it. Their rep said they refuse to credit the points.

I have requested my account be closed immediately if these points are not credited to my account. I do not do business with banks that are blatantly deceitful to their customers. I have an 820 credit score with well over 100k worth of available credit on other credit cards. If this is how Citibank treats their new customers by scamming them into signing up with fraudulent promotions listed on their site and refusing to honor them, then I wont do business with Citibank going forward. This type of treatment is absolutely unacceptable.Desired Settlement: I demand the 20,000 Thank You points be credited to my account immediately as it was described in their breakdown on their website for spending $1,500 within the first 90 days of the account being opened. I will not accept anything less. I have no problem escalating this as high as need be regarding Citibank's fraudulent banking practices.

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 have determined that my complaint has NOT been resolved because:

Unfortunately nothing has been resolved. Citibank contacted me approximately 3 weeks ago after I opened this complaint only to state they didn't care what promo offers they had advertised on their site and that theywould not honor them no matter what and did not care what proof I had. The representative that called me was extremely rude. She even stated that the rep that had originally told me when my Thank You points would be credited wasn’t actually referring to my account when they said they would be credited on 12/**- only that IF I were to receive points that’s when they would be credited. That is a very typical scamming response, and giving me a very specific date for when they would be credited, but then never actually receiving them is blatant fraud by Citibank. I will not back down from this complaint. Citibank is a liar and a bully and thinks they can push around their customers, I will not allow that.

Sincerely,

Business

Response:

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