Citi

Review: [redacted] Credit Card Services - through Citibank - has been charging my account for several months with a Debt Protection Program that I was never informed of and never had the opportunity to opt out of - over $69 for 2014 alone and I have purchased only TWO items, both on 18 months same as cash - [redacted] is no help and the phone number for the Debt Protection Service just bounces back to [redacted] -Desired Settlement: I want ALL the fees charged to my account AND the applicable interest refunded to us - and to CANCEL the debt protection plan which was NEVER authorize.I ALSO expect that on any future purchase for ANY consumer, that the terms of the Debt Protection plan be specifically spelled out and requiring a FULL SIGNATURE as well as date by not only the authorization, but that there be a method to OPT OUT on the bill payment website - and I also expect 24% annual interest back on my fees paid

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 bought a refrigerator from [redacted] in May, 2014, with 6 months same as cash. The final amount was due on November **, 2014. Due to an error with the dates the bank paid the balance, it was one day late and posted to my account on November **, 2014. They have now charged me $27.00 in late fees for one day. This is absurd. Tried to resolve it over the phone with customer service with no success.

Product_Or_Service: RefrigeratorDesired Settlement: DesiredSettlementID: Refund

Refund the $27.00 in late fees.

Business

Response:

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

Review: I’m filing this complaint for my mother who will be 92 in two weeks and has health issues that prevent her filing on her own behalf. In July 2013 she was hospitalized for the first of four times that year with heart failure. My sister, who has an [redacted] and lives with my mother, was hospitalized twice that year. While my mother has made slow but steady progress, matters that were handled with ease before her illness are more challenging now. Almost a year before her first hospitalization, my mother purchased cabinetry for her dining room at [redacted] costing $6,145.16. She was offered and accepted the option of paying for her purchase using a promotional 24 month deferred payment plan, the first of her life. She made payments in varying amounts until April 2014 when I happened to see her statement and noted the balance then outstanding with only a few months until the plan expiration date (July *). After pointing this out, she immediately made a payment of $1,918 planning to pay the remainder by the due date. But over the next few months she forgot about the deadline, reverted to smaller payments, and it wasn’t until September that she showed me her statement now showing a balance of $5,287.24 as well as Total Interest Charged in 2014 $3,529.71. My first thought was that her account had been compromised. I called [redacted] Customer Service where the agent first pointed out the plan’s expiration and then explained how the current balance was calculated. I asked the agent if the interest charge could be removed or at least reduced and explained that my mother and sister had been seriously ill and that lingering effects of my mother’s illness explained her failure to remember to pay her bill by July *. The agent said she had no authority to change the bill, as did the two people I also spoke to as my request was escalated to other levels in the department. In the course of these conversations I asked how much had been due at the plan expiration ($1582.29) and decided to pay that amount in full while on the phone and take my appeal to yet another level. The last agent then suggested that my mother add an automatic payment feature to her account to ensure future timely payments. I wondered out loud why that arrangement hadn’t been offered at the time of purchase. Asking for yet a higher authority, I was given the address for the Office of the [redacted] of Citibank in [redacted] and quickly sent a letter asking for special consideration of my mothers age and poor health which caused her failure to pay her bill as she had intended. I never received an answer to that letter. Four months have gone by since during which time I have had repeated contact with [redacted]. Finally in October I contacted the [redacted] Attorney General’s office, was encouraged to file a complaint and they agreed to intercede with Citi. In December the Consumer Protection Division of that office wrote to my mother informing her that Citi had received the complaint and might contact her about a possible settlement, which was encouraging news. Just before Christmas I received a letter with Citi’s Executive Response Unit's reply (sent to my mother‘s home) informing me that as I am not on my mother‘s [redacted] account I am not entitled to request an alteration of the balance and cannot be provided any account information. The letter went on for a full page explaining how my mother might contact Customer Service to “initiate the changes“ and provide authorization for account information to be discussed with me. Or as an alternative she could provide a Power of Attorney giving me this right and the specifics of the required documentation were listed. None of this was news as all my contacts with [redacted] required a trip to my mother’s home and her authorization for me to speak on her behalf. The letter with contact phone number was misplaced so I called a number I had been given during an earlier call to [redacted] hoping to find the contact referenced in the letter from Citi. It turned out to be the Disputes department and the woman who answered said she could help me respond to Citi’s letter. After getting my mom’s authorization to speak with me, then putting me on hold four times over the course of 45 minutes, she came on to tell me I would need to speak to one of the people who handles matters directed to the Office of the [redacted] of Citibank. Put on hold once again, she finally came back and said she had been told to tell me that Citi would not be making any change to the interest charges due. It’s taken four months to get this answer, during which time interest has accrued on this account beginning July *, and retroactive to the purchase date in 2012, at the rate of 25.99% leaving a current balance of $4,490.54, due to increase again on January [redacted]. I will be paying this amount to cancel this debt because my mom frets over being late with any bill and this one adds another layer of stress to her already stressful life. And because, after all, I was the one who is so naïve I really thought someone would view my mother’s oversight as understandable given the problems she’s faced in the last two years. I expected a little compassion for an elderly person with good intent, but compassion is rare today and the Golden Rule only vaguely remembered by too many. Since I sent my the letter to Citibank in September I discovered that my mother had failed to pay her property tax installments and her last health insurance premium . These are paid now, penalties excused. At 92 she deals with depression over the loss of all her siblings and old friends, rapid hearing loss, her own declining health as well as coping with new mental health issues affecting my sister. Everyone I’ve talked to about this situation thinks she deserved a break. I still hope someone at Citibank will think so too.Desired Settlement: A reduction in the interest charged to this account and refund to the account holder

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. [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:

The business's response says "We will respond directly to the customer within the next 7-10 business days. " As of January **, 2015 there has been no communication from anyone in the Executive Response Unit of the Office of the [redacted] of Citicorp Credit Services, Inc. (USA). The account referred to in this complaint was paid in full in December. In contrast to the difficulty of getting a meaningful reply from this unit, Citi had no trouble accepting a check for $4,490.54 in interest from the daughter of the account holder.

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

Sincerely,[redacted]

Business

Response:

Please be advised that we have mailed a copy of our December **, 2014 to the customer. They will receive our response within 7-10 days.Thank you,[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:

[redacted] from Citicorp Executive Response should have saved the stamp. If another letter was sent it is a copy of the last letter referred to in my original complaint, received in December 2014. This one page letter, sent to me at my mother's address, informed me that since I was not listed on my mother's account I was not entitled to request an alteration of the balance and could not be provided any account information. Instructions were provided in great detail for the appropriate means for me to take in order to be able to discuss the account. I have already stated in my Revdex.com complaint that during a subsequent call to an account representative my mother authorized me to discuss her account and after being put on hold a number of times I was told no change would be made to the balance due on her account. At this point I'm not sure if the Citicorp Executive Response Unit does anything more than deflect valid requests sent to their attention. It's obvious no Citicorp executive sees any letters much less examines the details of cardholder account issues. As far as I know no law prevents any individual from asking a company executive to review with compassion the circumstances which resulted in a customer amassing a huge debt, consisting solely of accrued interest, simply because of payments were missed because of ill health. I wasn't asking for details of my mother's account, I provided them, and I never asked for anything more than forgiveness of interest on the account. This debt has been paid and I'm now going to do all I can to bring a halt to this kind of corporate abuse which, after talking to dozens of people about my mother's situation, I've found is so commonplace. My next letter to the New York Times will bring this matter to the attention of the public and question the way deferred payment plans are designed for the creditor to fail and the banks to grow richer. [redacted] on behalf of my mother

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

Sincerely,

Review: Account was behind and sent to a collections handler without any attempt to let me know.

My account fell behind and I was in contact with the creditor. All communication ceased around 11/2014. A call came from United Recovery to a parent, looking for me. [redacted] sold my account without even trying to bring my account up to date. No calls (I do not answer robo calls), no mailings, no statements, nothing. I refused to give info to this collector. Calling Citi ([redacted] card bank)got me no where, the rep had nothing to say. She was clueless. A separate Revdex.com complaint will be filed against the collector. A heads up this account was about to close would have been nice, I would have been happy to set up a payment plan or even bring it up to date. But I need communication in order to do so.Desired Settlement: I would like this account to be handed back to citi and opened in order to be paid. I do not challenge the validity of the debt questioned. I am challenging the lack of communication and the ability to sell off the account without advising the account holder.

Business

Response:

We have corresponded directly with our customer. If you would like to discuss the resolution, you may contact the customer 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:

Citi had responded via mail (first mail response) with inaccurate information. They are stating dates from 2013, nothing recent. They did not accurately address the fact of zero notification was made via any source except robophone messages. I will not work with [redacted], as they are requesting. [redacted] deserves a complaint of their own.

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 discuss the resolution, you may contact the customer directly.

Review: I have been a valued customer and cardholder with Citibank since 2013 but since the beginning of my membership, I have been subjected to rude and unprofessional encounters with the customer service. I have a Citi platinum select/AAdvantage card for which I had tried multiple times to get enrolled for auto payment to avoid late fees. Unfortunately, citicard's primitive system of not providing customers any online mentioned to enroll for auto pay had deterred me from enrolling in auto pays. I did mail the form to the Citibank with a voided check which they never received. As a result, even during my difficult [redacted] and strict bed rest time, I keep getting mails of bills which I could not see in time because I could not reach out my mailbox. I had my delivery in November with a prolonged hospital stay and there fore, the mails got further accumulated that I finally could sort out in December. On [redacted] dec I called the customer service and no one was available to take my call. This happened several times throughout the next few days. Finally, an agent called [redacted] answered and he challenged me that I do not have my name right, which was not true! After apologizing for this mistake, he told me that I should get late fee waiver and not to worry but then I got transferred to [redacted] (agent ID [redacted]) who said just the opposite!!! She said I was late for my 1/*/14 payment because it was after 5 pm EST!!! Nowhere in the bill it is mentioned that we need to call to make payment before 5 pm!!! About the late fee adjustment., she refused to do so because my account was not uptodate. However, this statement was not true when I had spoken to other agents. One agent was [redacted] who said that his [redacted] will be able to adjust since I had a valid medical reason and since I had been a valuable customer with Citibank. But then his [redacted] (Agent ID [redacted]) was extremely rude , she was verbally abusive and stated that "Our company needs to do business and we cannot do those waivers for you" which was unacceptable. She was obnoxious and stated that she knows it all because she is with the bank for 20+years! She keeps calling me [redacted] and when I told her about my illness, she confronted me about how come I was paying my mortgage or other bills!!! This is truly unprofessional!

She would not understand my points, she would not acknowledge the fact that the citicard's auto enrollment system was primitive and I could not even reach out my mailed form to them to start me on the autopay system, which should have taken care of this issue months back.

Of note, I want this complaint to be addressed to [redacted] who had sent me a written apology letter form the executive response unit in July. I am very disappointed to see that your customer service had gone worse since our last conversation in July 2014.Desired Settlement: 1. A sincere apology on behalf of agent [redacted] (AGENT ID [redacted]) who was obnoxious and stated that she knows it all because she is with the bank for 20+years! She keeps calling me [redacted] and when I told her about my illness, she confronted me about how come I was paying my mortgage or other bills!!! This is truly unprofessional!

2. I am willing to pay my full balance on this card which is $3000+, and be done with this card. But I need to get my late fees waived. Moreover, I will not be responsible for any late fee for my 1/*/14 payment as agent [redacted] threatened me for, since it WAS NOT MENTIONED IN THE BILL THAT I NEED TO CALL BEFORE 5 PM EST ON 1.*.14 TO MAKE THIS PAYMENT

3. Although [redacted] form executive response unit was very pleasant and assured me that once I send the autopay enrollment form, things should smoothen out, it never happened in such way. As a valued customer, I need to have proper help and assistance to adjust my bills and address this matter ASAP.

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 executive response unit rep called me and went over my complaint with me. However, I was not satisfied with the citicards customer policy because she failed to answer the resolution about the company's failure to enroll me in autopay in due time which resulted in an increased interest rate to 29% immediately and I was actually compelled to pay my FULL balance with that INCREASED interest, which should have been a responsibility of the citicards, because of their poor autopay process.

The citicards also charged a $95 annual fee which was a surprise as this annual fee was never mentioned to me when I had a detailed discussion with the rep in July of 2014 or even earlier. To avoid further confusion, I want to discard this card immediately to prevent this shocking annual fees. I wish I had received a courtesy credit of annual fee back and a better and transparent customer service communication in this regard.

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]1.I have originally applied for this citi AAAdvantage card because the promotion was to award 50,000 bonus miles after purchasing $3,000 by using the card. I have done so and have called multiple times to ensure that my bonus miles are awarded properly and the citicard agent always assured me that they posted my account activity and forwarded to AA. However, when I logged in , my AA miles is showing 0!!!2. I have gone through immense agonized moments, pais double the amount I owed originally, paid annual card fee of nearly $100 and spent hours speaking with the executive customer relations rep [redacted] , who even advised me to use the card within April, 2015 to make sure that the miles dont expire!!! I have alreayd used the card last week to keep it active to record so my precious miles don't get lost! And now, as a rude shock, I am seeing that the miles awarded is 0???3. I want IMMEDIATE ANSWER FROM THE CITICARD TO EXPLAIN THIS FRAUDULENT BEHAVIOR!!! I called and left a voice msg at [redacted]'s number but did not get a reply back. I would appreciate if a senior corporate can immediately intervene in this matter.

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: I paid off my [redacted] account in September 2014. I began receiving phone calls from Citibank. Not having a Citibank card I didn't respond back to the messages. My wife tired of the calls called the number back to find that the number went to [redacted]. I then checked our [redacted] account online and found charges that were made to our account. I called [redacted] and inquired about the charges. They told me that the charges were for a [redacted] membership renewel through [redacted]. I informed them that I didn't authorize or activate any [redacted] account through [redacted] and informed them that I purchased an antivirus coverage from [redacted] through [redacted]'s website and purchased it on my personal debit card which I have a receipt for. They told me that I would have to contact [redacted] for them to cancel my [redacted] membership. On February [redacted] I called and explained to [redacted] that this was an unauthorized purchase made by [redacted] on my [redacted] account and would like to have it removed. They told me that they would refund me for the purchase and that it should be credited back to my account in 5 to 7 days. Two days later on February [redacted] I received an email from [redacted] stating that they have canceled my Membership as requested. I called [redacted] on February [redacted] and asked about the credit to my [redacted] account they had since run my bill up to over $100 with late fees. They told me that they couldn't contact [redacted] to find out that I would have to contact them myself and find out when it would be credited. I called [redacted] that same day and they told me that I would be credited by Friday, February [redacted] at midnight because that would be 7 business days since the credit was submitted. I checked my [redacted] account again on Monday. February [redacted] and saw that the charges were still on my account. At 1pm today I called [redacted] and told me that it would not be credited for 1 to 2 billing cycles and that the amount would not be credited for the complete amount as stated when I first called, that it would be pro-rated instead even though it was never activated. I asked to speak to a supervisor and was told that there were no supervisors. I asked to speak to another member of [redacted] an was told that they would not let me. I could call back and wait for the next available member. As I waited on the phone and began to contact the Revdex.com. The team member disconnected my call.

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

This purchase was not authorized, nor was the service activated, so no charges should be made to my account. I should be credited for the complete amount and all late fees waved as this is just a scam that [redacted] uses through [redacted] to get money from unsuspecting customers.

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. [redacted]Executive Response

Review: In early 2014, I was going through a divorce. I had a Citi Credit Card that was to be paid off in full as part of the divorce and all cards were to be cancelled and all authorized users removed. To my knowledge, this had been done when speaking with Citi. I moved in 3/2014 and updated my address with all my lenders and creditors. I did not receive any correspondences from Citi and months after I moved, I was notified I had a past due amount. I called and tried to resolve as this was paid off to my knowledge. Citi advised it was not paid off and that the account was still active. I requested it be cancelled and all authorized users removed as previously requested. I made a payment to bring the account current and paid in full. In late 12/2014, I was advised that Citi is showing on my credit report as past due. I have not received any correspondences or telephone calls from Citi about this matter.Desired Settlement: I would like account brought to $0 as this had been paid off previously.

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:

I spoke with [redacted] from Citibank regarding my complaint to the Revdex.com.[redacted] and I discussed that I had paid my card off in full in early 2014. I explained to [redacted] I went through a divorce in 2014 and part of my decree agreement was to have all credit cards between my ex-spouse and me paid in full. A payment was made to Citibank to pay off the balance of my credit card prior to me moving out in 3/2014. At the time the card was paid in full, I requested all cards be canceled and all authorized users be removed. This was paid using a joint account, which has since been closed. My divorce was finalized in 5/2014. As the divorce was granted, all credit card accounts had been paid in full. I explained this to [redacted] and she said she has researched the account prior to our conversation and she does not show a payment was ever made nor was the account closed or authorized users removed. The call was lost; I called [redacted] back and left a message for a return call to finish our conversation. No call was received; however, a letter was sent from Citi dated 1/**/15 indicating I am liable for all charges on the account. They have since sent this account to collections.As I explained to [redacted], my divorce was granted in 5/2014; therefore, all credit card accounts were paid in full in order for this to be signed off by the courts. I do not feel I owe anything on this card as it was paid off in early 2014. Furthermore, Citi failed to close the account and remove any authorized users from the account. Thank-you,[redacted]

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: I have advised this credit card company to cancel my card and they will not do it because they want to charge me their annual membership fee. I paid the card off on December **, 2014. I have verification of the payment. I have received numerous harassing phone calls claiming I owe the annual membership fee that was charged to my account on January *, 2015, after I spoke to someone at the company requesting they cancel the card. I spoke to a nasty customer service person today who first tried to tell me that I still had "charges" on my card until I demanded a breakdown of the charges. Then she admitted that it was the annual fee. Now, I have more charges on my account totaling $89. I have requested the car to be cancelled prior to January *. I cannot get this company to cancel my card (so they can continue to charge additional fees) or to delete the charges I have not authorized. I want this card cancelled and they will not do it.Desired Settlement: DesiredSettlementID: Other (requires explanation)

DesiredSettlementID: Refund

I want my card cancelled as I had requested at least 3 time previously. I want the harassing phone calls to stop and I want the unauthorized "annual fee" taken off of my account and the account closed. I paid it off and now they are continuing to charge me for a card I have paid of, do not want and will not use. I want my card cancelled the $89 in unauthorized fee taken off of my card.

Business

Response:

We responded to the customer on 3/**/15. The customer should allow 7-10 days to receive our written response. If the customer would like to share this information, they can provide a copy of our response to your office.

Review: I have been doing business with Citi For a few years and while I appreciate the opportunity to be a loyal customer to CitiBank I have once issue.I have the following inquiries on my credit report from CitiBank.[redacted]& [redacted] on 2/**/15--Which I am not disputing and have full knowledge about those.Thank you.But I have two other inquiries via [redacted] on 5/**/14 & 10/**/14.I have a [redacted] Card with CitiBank.On said dates I requested a credit limit increase.Which I do acknowledge doing.I am sure that I will be told oh it states it in this and that that we would do a hard credit pull but the thing is when I requested this I asked the rep what would be done and BOTH times was not informed that a hard credit inquiry would be done.I feel I should have been told.Had I checked my credit report after the first CL increase request I would have seen the hard pull but I had not done so until after the second pull and that Is when I contacted Citi and received several very generic responses via mail.I hope you can understand the damage multiple inquires can do to my credit report and why this matter is so important to me.I truly appreciate the chance to be a Citi Bank customer and hope that we can continue to do business once these inquiries are removed.Thank you.&& Also I do authorize account information to be released to Revdex.com for the purposes of resolving this matter.Desired Settlement: Please Remove both of the inquiries stated above.Thank you

Business

Response:

We responded to [redacted] on 3/**/15. The customer should allow 7-10 days to receive our written response. If the customer would like to share this information, they can provide a copy of our response 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]

I cannot put that I accept the response until I have physically read the letter sent to me.

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

Sincerely,

Business

Response:

As stated on 3/**/15, we responded to [redacted] on 3/**/15. The customer should allow 7-10 days to receive our written response. If the customer would like to share this information, they can provide a copy of our response to your office.

Review: I have disputed charge on my Citi Card for the wrongful charge from the [redacted] located in Bosnia and Herzegovina. I replaced and paid for the flat tire on the rented car while on the trip in Croatia. After I returned to United States , Enterprise charged my Citi Card for $270.69. Citi Card was not helpful in resolving this disputed charge and they referred me to the local merchant. Since Citi Card has not resolved this issue in my interest since July 2014 and their Customer Service is not handling my claim in my favor I am reporting it with Revdex.com.

Product_Or_Service: Car Rental

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I would like credit for disputed charge on my card, since I believe that Credit Card Company should protect their customers for the wrongful charges reported and disputed immediately.

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 rented a car in the April/ May 2014 time period for about a month. When that bill was processed it was DOUBLE BILLED to me. So instead of about $1000, I was charged TWICE around $1000. [redacted]/ Citibank REFUSES to take my word, or the word of the car rental people I got on the phone and keeps re-instating the invalid charge.

I have tried to dispute the charges, I have spoken to customer service reps, and such, but all they do is recite their stock script/ send form letters.

They DEMAND that I prove that I DIDN'T make the charges. I in return DEMAND that they prove I DID!

I think that they credited my payments towards other, valid, purchases towards the wrongful double billing and now they are dunning me for the wrong amount.Desired Settlement: 1) Remove wrongful charges.

2) SIGNED certified letter acknowledging their error to me, the applicable merchants, & ALL credit reporting agencies.

3) [redacted]/ Citibank paying me for damage to my credit rating, and for the HUNDREDS of hours mine they have wasted. Literally HUNDREDS of hours.

Business

Response:

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

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]

Again, a lie.They have sent me a series of form letters and have not made any attempt to fix the issue.

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]

this is, AGAIN, a lie and DEMAND by Citibank that I do ALL THE WORK. How about they actually try to contact me at my email address.I am TIRED of them lying and then demanding that I do their job.I do NOT accept their claim that they can make decisions unilaterally.

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 wife and I contracted with [redacted] to redo our kitchen in September 2014. The work was done in October. In November, we were contacted by [redacted], informing us that we owed an additional $227 above what we had contracted to pay. We initially disputed the charge, but eventually decided to send them a check for that amount, as well as a letter clearly stating our position, which we sent by certified mail in December. The certified letter was never signed for by any employee at [redacted], and specifically not by the addressee, [redacted], who was the primary employee with whom we dealt regarding the additional charge. Shortly after the certified letter was returned to us, unsigned and unopened, I began receiving letters and phone calls from a third party debt collector, [redacted]., [redacted]. We attempted to pay [redacted], they refused to accept our letter or our money, and then they sent us to collections. This is a completely unacceptable and disingenuous business practice, and it needs to be stopped.

Product_Or_Service: Kitchen Remodel

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

We ultimately agreed to pay [redacted], and they had no right to send us to collections. They had ample opportunity to claim the check we sent them and they did not do so. At this point we simply want the collections company to cease contacting us because we do not owe them anything.

Business

Response:

We responded to the customer on March **, 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.[redacted]

Review: I have a credit card with citi

and I tried to paid it on time online. Citi always maintains their website and when I tried to pay the bill and the website forbid me to pay it.

now there is 60 dollars and 25 dollars fee charged on Mar[redacted] and I paid in full.

As a citi gold customer, I would like to get a courtsy refund for both. the brunch rep said he can refund them.

but in the end, he kicks me to the citi gold team.

my credit number with citi [redacted]Desired Settlement: refund both interest and late fee. total is 85 dollars on march [redacted].

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: [redacted] bought Citibank three weeks ago. I had a vendor refund $15,910 on my citibank card and it should have automatically gone on my BB&T account. Three weeks later I'm still missing my $15,910. This is causing me a lot of hardship. I'm having trouble supporting my family. My taxes are due and neither the people at [redacted] or Citibank have helped me get my money back. Three weeks later I'm freaked out and feel like I've been robbed. No one from either bank will help and I'm getting vague and ambiguous answers from both banks. Both say that the other has my money.Desired Settlement: I would like my $15,910 deposited into my new account immediately. At least put a temporary credit until y'all figure it out. This is not my fault and the irresponsibility of both banks is causing my family severe hardship.

Business

Response:

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

Review: Citibank placed a delinquency in my credit report without sending any paper or electronic billing notification. Moreover, I haven't been contacted via telephone regarding delinquent account either.Desired Settlement: Delinquent account should be removed from credit reports.

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 two accounts with Citi Card, [redacted] and Citi. In December 2014 my Citi payment was $28.04, but they called me saying that they did not get my payment. I told them that I had sent in my payment for December. In January 2015 the payment spiked to $79. I sent in a payment of $29.00, $.96 more than my minimum amount due, to make sure I covered my minimum payment, and I also sent them a copy of my money order receipt for December to prove to them I sent in the payment for December. I had never been late on a payment. When I received my February bill it was up to $115.06! Citi Cards did the same thing on my [redacted] account. So now they are trying to make it seem like I am not keeping up with my accounts with them, but I am. They sent my [redacted] account to [redacted], even though I was still paying them and I sent in all of my payments. When my payment got down $99 at [redacted], I was paying $100, and then they upped my payment to $260 so that I couldn’t pay it. I continued to pay the $100. They told me they couldn’t take a partial payment and sent my account to [redacted]. Now [redacted] continuously calls me and I have told them to stop calling my cell phone. Now my May bill for Citi is here and is $222.46 due to late fees they have charged to my account. I have never received a returned money order for December so they had to have gotten the payment.Desired Settlement: I would like them to adjust my billing. I was not late on my December payment and I did send it in. My payments should be $28.04.

Business

Response:

Thank you for your communication regarding the customer's [redacted] and Citi accounts. 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:

I have provided proof that I have paid them, but I haven't gotten a response and my payments have increased. I want this issue to be handled through the Revdex.com. I have accepted the waiver on the Revdex.com's website to give my permission to have my account information shared with the Revdex.com for review and to help find a resolution.

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

Sincerely,

Business

Response:

We responded to the customer on April **, 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 contact information listed in our response.Thank you,[redacted]Executive Response

Review: I have a [redacted] Credit (CITI) account that charges for AccountCare Plus Benefits were put on with me not giving an ok for.

CITI has been charging my account every mo. with charges that I did not ok. I called them on 2-**-15 and talked to [redacted] and he said he would take care of it. I called 3-**-15 and still nothing I also called on 4-*-15 talked to [redacted] and nothing. I DID NOT NOT ok any account care Benefits and they said only the care holder which is me only could put it on. The amount is 1,044.47 with out the intrest.Please help with this matter. thank-you [redacted]Desired Settlement: I've asked them to take it off my bill.

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: [redacted] is being harassed by phone and mail regarding a charge on their [redacted] that was never made nor received by [redacted].

[redacted], my 79 yr old mother, took a phone call from a company, [redacted], in december 2014. The unnamed male sales rep "sweet talked to her and attempted numerous times to get her to order a pig stem cell skin product. She refused numerous times to purchase their product. In january a charge was posted to her [redacted] thru Citi bank for approx 87 dollars. This charge was dropped according to [redacted]. The card was cancelled and account closed per [redacted] and [redacted]s request.

Another $85 (approx) charge was applied to a new [redacted] the following month.. [redacted] automatically opened another account and placed a "new charge on the card. This new charge was verified by the billing department on a conference call with [redacted] and [redacted], myself and Attorney Dave C[redacted]

I have written numerous letters and made calls to [redacted] telling them that the product was not ordered nor was it received. My mother and father are elderly and are unable to resolve the issues so as POA I have tried to resolve the problem. In writing, I have submitted my information as POA and [redacted] has verbally given my information as their POA to handle their affairs.

Attorny David Crissman in Butler, PA was contacted and through a

conference call resolved the charges with the billing department of [redacted] (or so he was told). He was told to write a letter detailing information they requested and the charge would be dropped. He dis so and my parents continue to receive harassing calls and threats of late fees and collection agencies by [redacted].

[redacted] and [redacted] receive at least two calls a day from [redacted] and a letter nearly every day. I have paid the attorney much more than the $85 to correct this issue but it seems that there is a new hoop to jump through every day.

Last month on 5-**-15 I sent a certified letter with information regarding date of product cancellation, the cancellation number and policy for cancellation from the [redacted]mpany. Yesterday my father received a letter that said the information was not received in a timely enough manner (it was less than two weeks from their request) and the matter would be turned to a collection agency.

I have worked closely with the Agency on Aging having had two businesses in the home health care arena. I believe that what is happening is a form of emotional and monetary elderly abuse. I also believe that feel that it is a scam and this sales approach preys on the elderly who are not able to comprehend the sales techniques used. My parents are anxious about the money and the effect this will have on their credit. Every month the bill is unpaid results in a $35 late fee.

The $85 dollar charge could be readily paid but the issue at hand is that the product was not ordered nor was it ever received. The Phone calls were "recorded for quality purposes." I have requested that they go back and listen to the messages to verify that my mother never ordered the product. That has not been done by [redacted] nor by [redacted].Desired Settlement: I would like city card from [redacted] to drop all charges which amount to $147.52 as of 6-**-15 and to never contact [redacted] or [redacted] again

I would like the company, [redacted], investigated for fraudulent actions and elderly abuse. They took advantage of my elderly mother who was hassled by phone and then charged for something she refused and never received.

Business

Response:

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

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]

There was no resolution offered to [redacted] regarding his complaint. Just a statement that he has been a valued customer for many years. The $85 original charge is now $185 with late fees. The bill was paid because my parents are so anxious about the continuing increase in charges. This is financial and emotional abuse in my opinion. Thanks for investigating this matter Sincerely;[redacted]

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

Sincerely,

Business

Response:

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

Review: I was closing out my account and a I was talking to customer service representative and I was telling him I wanted to close my account I had made a 5'612.71 payment he that there were something's coming though that I had to pay I ok what were they and he told my so I made that payment of 147.00 and some change and he said my account was closed and nothing else can come though a month later they said they send me a bill saying something came though a and I didn't make the payment and they start charging me late feeDesired Settlement: DesiredSettlementID: Other (requires explanation)

that my account be closed and me owe nothing or just what they said came though

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 4/**/2015 I made a purchase in the amount of $49.97 useing my [redacted] credit card a discount of 15.00 was issued. I paid the $34.97 on 5/**/15 on line before the statement was even issued. [redacted] set up a 2nd acct with citibank without permission and posted the bill to the new account. Much to my surprise I received a citibank master card with a late fee of $27.00. There was a return on my [redacted] account which gave me a credit of $40.00 so the payment plus the credit came to $74.97. I called customer service (Anthony) explained the situation and was promised it would be taken care of. Late charge erased moneys apllied correctly and refund of balance. The next statement nothing was done. I caalled again and spoke with customer service reps both at citibank and [redacted] Daniel and Alex. Sincere apologys we will take care of the problem immediately. Well Daniel sent me a refund of $74.97 ( I explained to him pay off the $34.97 and reund $40.00) he agreed yet the refund was $74.97.that was July. I sent a duplicate payment of $34.97 so that we would complete finsh and end this transaction . On 8/**/15 I receive a statement for $64.00 minus the payment of $34.97 LATE FEES. The supervisorJack employee #[redacted] advises me he will credit one late fee but I am at fault because I paid in July. I am a senior on a fixed income I take my bills and credit very seriously. I feel [redacted] is taking advantage of its seniors and is totally unprofessional in there dealing with me. I would like this matter rectified immediately and checked out that they are not practicing this transaction on other seniors. I want to know the credit bureau is aware of these erroneous transaction and clear my name if it has been reported. an apology letter from [redacted] for their off handed and careless practices.Desired Settlement: I repeat the Credit Bureau notified that it was entirely [redacted] fault.A letter of apology for the careless and offensive manner in which I have been treatedThat the Revdex.com take a look at how [redacted] credit Department is operating. is it a policy to harass and overr bill its seniors.

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?