Citi

Review: I borrowed $3900 from One Main was told it was a traditional loan. It reported correctly on my credit report for one month. The next month it reported I now owe $6900. Citi was called they refused to correct issue stated that is what is now owed. I used my car title to get loan. I can not get another loan because I no longer have the title CIti has it.Desired Settlement: I want the original loan amount reported to credit agencies. The loan has been current and never late

Business

Response:

Dear [redacted]:

We are in receipt of your correspondence dated January **, 2014, regarding [redacted]'s OneMain Financial account and appreciate this opportunity to address his concerns.We have had an opportunity to research theissues raised and offer the following response.

Our records indicate that [redacted] and [redacted] obtained a personal loan with OneMain Financial's [redacted] office on November *, 2013, wherein they agreed to repay a Total ofPayments amount of $6,656.64. This amount consists of an Amount Financed of $3,977.49 and pre­ computed Interest of $2,679.15. This loan was repayable in 48 monthly payments of $138.68 each and was assigned account number [redacted].

The loan agreement that [redacted] and [redacted] signed was for a pre-computed loan, which means that all finance charges are calculated and added to the loan at the closing. Under the terms of the agreement for their loan,the borrower promises to pay the lender the full amount owed in substantlally equal,consecutive monthly payments. If the loan balance Is paidIn full before the scheduled maturity of the loan,the unearned finance charges are refunded or credited to reduce the payoff balance. [redacted] and [redacted]'s loan can be prepaid In full at any time without penalty and they may request a pay off figure from the loan office that services their account at any time. Such a pay off quote will take Into account a refund of the unearned financed charges and will be good through a specified date.

For your review, I have enclosed a copy of [redacted] and [redacted]'s Disclosure Statement, Note and Security Agreement and the Itemization of Amount Financed. Ihave also provided their payment history In the chart below. In the payment history, the first column Is the date of the payment and the second column lists the amount of each payment, the third and fourth columns provide a breakdown of how the payment was applied to late fees, if any, and the amount applied to total of payments and the fifth column lists the outstanding balance of total payments.

[redacted]

[redacted] [redacted]

[redacted]

[redacted]

As the Total of Payments from [redacted]and [redacted]'s November *,2013 loan was $6,656.64 and reflects both the Amount Financed and Finance Charges under the contract, that Total of Payments amount will be reported to the three major credit reporting agencies. Any payments applied to the loan will reduce the Total of Payments of theloan until the account is paid In full. Please be advised that [redacted] and [redacted]'s OneMaln Financial account Is reporting accurately.

We contlnually strive to provide a superior level of service to all our customers and we trust that this letter addresses [redacted]'s concerns. Should you or [redacted] have questions,please feel free to contact me at ###-###-####.

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]

Ive have multiple loans in my name and citi bank is the only one reporting what I will owe with interest. The other companies I deal with report what was borrowed. I will not give up fighting this until its corrected on my credit report. Next step will be with attorney generals office.

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

Sincerely,

Review: While activating my CitiBank [redacted] through the ###-###-#### activation number I was 'selected' for a promotional offer that directed me to another line once I got done activating the card. The person who I was put in touch with told me I was eligible for a $100 gift card in return for trying out a savings program and a one time charge of $4.95.

What ended up happening was that I was enrolled in THREE saver programs:

YourMobileSupport

Recreation Savings Club

Family Shopping Club

In addition to the $4.95 I was also charged 2x $2.95 for a total of $10.85 on my account. Not only did the operator lie about the charges he also lied about the gift card. It was not an offer for a single $100 gift card. It was for a potential of ten separate $10 gift cards if I sent in proof of $100 purchases once every month.

I called to have all of these charges reversed and to have a new card issued. I consider the $4.95 charge I was told about completely misleading / bait and switch while the other two charges were 100% fraud/unauthorized.Desired Settlement: I would like a formal apology and a review of their 3rd party offers in relation to credit card activations. What happened to me was bait and switch fraud plain and simple.

fraud:

/frôd/

wrongful or criminal deception intended to result in financial or personal gain.

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.Thank you for the call and taking the time with me to figure out what happened and then resolve it to the best of your ability.

Sincerely,

Review: The Manager

We have a problem. We purchased the item listed on the attached sales ticket in May of this year. At the same time an application for a credit card was made at the suggestion of the sales clerk. That was the last we heard of it!! We never receive a bill or the credit card. Now we are getting annoying calls from a collection agency. We have been good customers of Sears for many years "50: We don't deserve this sort of treatment. I am enclosing a copy o the bill along with check for the full amount of what's due (see complaint online). DADesired Settlement: Our credit rating is very good and we do not want it damaged. We expect a receipt for our payment and an apology for the way we have been treated.

Business

Response:

Dear [redacted]:

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

We regret to learn of the difficulties you experienced regarding the receipt of the credit card or billing statements for the aforementioned account. Our records indicate that they were returned undeliverable due to an incorrect address. The address was updated in August 2013.

Pursuant to our conversation, we received your payment of $86.92 on August **, 2013. In an effort to assist you, we issued late fee credits totaling $58.96, as well as interest charge credits totaling $4.00. The adjustments resulted in a credit balance of $62.96, which has been refunded to you in the form of a check under separate cover. We ask that you allow 7- 10 business days for the check to be received.

Please accept this letter as confirmation that a request was submitted to the three major credit-reporting agencies to remove any delinquencies reported to your credit report in relation to this matter. We ask that you allow 30 to 45 days for the credit bureaus to update their records.

We regret to learn of your decision to close your account. We ask that you allow this letter to serve as confirmation that your account

was closed as of September **, 2013. Credit products and services. One of the best ways to achieve this from our customers. We our customers who take the when are satisfied. Thank you for sharing your concerns with us.

If you have any additional questions or concerns, you may contact our office at the telephone number provide below. Our office hours are Monday through Thursday, 9:00 a.m. until 6:00 p.m., and Friday, 9:00 a.m. until 5:00 p.m., ET. Our telecommunication number for our hearing-impaired customers is [redacted].

Sincerely,

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. see attachment

Sincerely,

Review: I have a prepaid pay card with Citi Bank on July [redacted] they closed the account as there was strange activity they never sent me a letter or anything letting me know there was a problem with the account. This is a pay card my employer deposits some of my pay to this prepaid card. (Thank goodness its not my whole pay check.) When I tried to access my account online it said to call the card center. I did they were not very helpful nor were they very nice. I asked them to send me my $117 that was in my account to me because they had closed my account. They said the only way I could get that money was to open another account. Through my payroll and they would transfer the funds to the new account. It is now July [redacted] and I still don't have my $117.00. I have no idea if I have a new account they have never sent me a letter telling me anything. When you call there number they are so rude and don't help you,Desired Settlement: I just want them to send me a check for the remainder in the account it was a pay card and I need that money to pay bills I had to borrow $100 to pay a bill and it's not right the way they have treated me.

Business

Response:

[redacted] Revdex.comCase # [redacted] To Whom It May Concern: Citi® Prepaid Services received the complaintsubmitted on July **, 2015 from [redacted] regarding a prepaid card issued by Citi Prepaid Services on behalf of DisneyPayroll. As a business that aims toprovide a positive cardholder experience, we endeavor to resolve all cardholderissues in a thorough and satisfactory manner. After researching [redacted]’s complaint, it was determinedon July [redacted] that possible fraudulent activity occurred on theaccount which resulted in a temporary account block being placed hisaccount. After reviewing the account andreceiving correspondence from [redacted] stating that the activity was notfraudulent, it was determined that this temporary account hold could beremoved. This action was taken on August*, 2015 and [redacted]’s card is now fully functional. Inregard to the poor customer service complaint, we have reviewed the recordedphone conversation and cannot substantiate his claim that he received poorcustomer service. We left avoicemail for [redacted] on August [redacted] and informed him that his account is nowactive. [redacted] may contact a dedicated service agent at ###-###-####between the hours of 9:00 AM and 4:00 PM EDT, Monday through Friday to discussadditional questions or concerns. We regret[redacted]’s dissatisfaction with this situation. If the Revdex.comshould have any additional questions, please feel free to contact me at thenumber and information found below. Sincerely, [redacted]Customer Service Manager, CSOperationsCiti® Prepaid ServicesCiti Treasury and Trade Solutions(P) ###-###-####(F) ###-###-####[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 submitted two stop payment requests on the CitiBank website on 12/**/2014. On 12/**/2014, one of the [redacted] withdraws that I requested to stop was processed and the money was taken from my account. I made contact with CitiBank online and the person was unable to assist me and suggested I call. I called the Customer Service number and the woman I spoke with stated that she seen the Stop Payment requested and assured me that although it had only been two days, CitiBank would honor my Stop Payment request and the funds would be returned to my account the next morning. Today, I checked my account and not only had the fund not been returned, there was also an additional [redacted] withdraw from my account from the second place I had requested a stop payment for. I called CitiBank again and was told they only have record of one [redacted] stop payment being requested on 12/**/2014. I asked if there was a rule that only one stop payment could be issued online, per day? The supervisor said "No, there is no such rule." She also stated there is nothing she can do for me, she was not sure if it was system or human error, but it could not be fixed. She also stated that if I wanted to issue stop payments, I should have called. I asked why CitiBank offers online services if clients are expected to call? She had no answer for me. It was horrible service from several people who do not know their system and blame the customer for system error. I am not out $450.00 because CitiBank does not honor stop payments or process them timely.Desired Settlement: I would like the amount of the $235.64 and $209.12 to be refunded to me and for all future stop payments to be honored. Id also like the Customer Service representatives to keep a record of client contacts, as each time I called, the representative had no record or idea why I was calling and I needed to explain my issue four different times.

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: 44 FYI

This company sent me a check and told me to put it in my bank. I took it to my bank and they informed me that the check was fake. This Citi Financial company wanted me to send $990 to a woman in the UK. The money they were seeking was for taxes. I just do not want anyone else to go through this or actually send this company money.Desired Settlement: Unspecified

Business

Response:

Dear [redacted]:

We are in receipt of your letter dated November **, 2013 regarding [redacted] concerns and we appreciate this opportunity to address her Issue. We have had an opportunity to research the issues raised and offer the following response.

It appears that [redacted] was the victim of an "advance fee scam" carried out in the name of "CitiFlnancial" without our knowledge, participation or consent. The perpetrators of advance fee scams typically place advertisements online or in newspapers, using the names of legitimate businesses, advertising loans with low Interest rates and the ability to help consumers with their prior bad histories. The potential victim is instructed to pay certain fees up front. Once payment is made, the victim receives no loan documents or loan proceeds.

The perpetrators of these scams use the names of legitimate lenders to lure victims into loan transactions in which the borrowers pay advance fees and receive little, if any, of the loan proceeds promised to them. Their operations differ completely from those of CitlFinancial Servicing, Inc. Please note that CitiFinancial is scrupulous in complying with state and federal consumer protection laws. In addition, please be advised that CitiFinancial is not providing new loans in the name of CitiFinancial, as CitiFinancial began operating as OneMain Financial as of July *, 2011.

CitiFinanclal takes seriously accusations of fraud perpetrated in its name. The trust of our customers is obviously important to us. In these situations, the Citigroup Investigation Department works closely with law enforcement agencies, including FBI, the U.S. Postal Inspector, the Secret Service, and local authorities. We would strongly suggest that [redacted] report this scam to enforcement authorities for investigation and prosecution.

Should you or [redacted] have any additional questions or comments regarding this correspondence, please contact me directly at ###-###-####.

Review: I opened a [redacted] credit card account in 2012, it was immediately closed for no apparent reason. Since then I've been charged two late fees whenever their processing department fails to process my payments on time, I can't setup Bill payments with my bank because citi refuses to provide me with the account number and since they decided to cancel my account on their own I no longer have the card with the account number.Desired Settlement: Refund all late fees and provide me with the account number.

Business

Response:

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

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 have paid all my bills to my Citi [redacted] on time in my 20+ years of account ownership. That account is my oldest revolving account and so is a foundational block of my 800+ credit score. Without warning, I received a letter yesterday stating that Citi was closing my account due to "inactivity". I tried calling them to stop the process since they had provided me no warning (had they, I would have quickly used the card to make a payment and/or set-up a recurring charge). To simply reopen the account, they started down the path of an official credit check. In addition to this being insulting ans needlessly time-consuming for me (who has done nothing wrong), it would also mean a hard hit to my credit), which can itself negatively impact credit scores in certain situations. I said that was unacceptable and they said they were sorry they could not resolve my concern.Desired Settlement: Reopen my same [redacted] that never should have been closed without warning when I had done nothing wrong. If they are concerned about my credit worthiness despite 20+ years of perfect history Citi, I will happily provide them proof of an 800+ score I had done via one of the 3 main agencies this past April 2015.

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 text of their response states that they will be contacting me, but they have not contacted me yet and there is no guarantee we will connect prior to my 6-day deadline to respond. Moreover, their response is a little confusing: They end with a question that doesn't make sense. My concern is they mis-wrote their response as I did contact them about my complaint prior to issuing this Revdex.com complaint and tried to resolve it that way, but they were not able to do so (see my original complaint description, including results I wish to see). All that is necessary is for them to undo the closure of my account and return it to its prior status without further inconvenience to me, a customer in good standing for 20+ years with 800+ credit. Again, unfortunately, I need to reject this response because they have yet to contact me and there is no guarantee we will connect prior to my 6 day deadline to respond.

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:

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 received no further communication beyond which I noted in the earlier response rejection. In that earlier correspondence, the only resolution offered was the same position that led to this complaint in the first place: Despite having done nothing wrong in 20+ years as a customer and receiving no warning about pending closure, I would have to submit to a full credit check to re-open my account. This is not good customer service and so I must reject this response as inadequate.

Sincerely,

Review: I applied for a [redacted] charge, never received card in mail and getting calls regarding an overdue account, no card or bills, assured that it was t I have recently moved to PA from MA and decided to open a [redacted] charge for purchases for my apartment and yard. I applied for a charge at the [redacted], PA branch and was able to charge some items on the temporary receipt that I was given until I received my card in about 10 days in the mail I still haven't received that card or any bills for that account. I have had constant calls requesting that I pay an overdue amount of $59.00 which I don't know what the charge was and am getting charged a late fee of $25.00. I applied for another card which went through, no problems with charging and I haven't received a bill for that yet, which is not overdue for my receipt yet. I have no idea what my first account number is and if someone has stolen it and used it. I have explained in depth about this to several [redacted] accounts collectors who have called and the bill was to be sent out "even as we speak" no bill, no card, no account #, just more calls. One I told it was going to the Revdex.com and I have still been receiving calls. This time I am reporting it to you. A very large corporation that doesn't know what one hand is doing and what the other one is not doing. DISCUSTED! Will not shop at their stores any more and will not recommend them to anyone. Try [redacted]!!Desired Settlement: I request that any charges that I or anyone else has made to my first missing account that I applied for in [redacted], PA store. No account number, no statements, no corrections made and harassing calls regarding my overdue account balance, past due minimum which was due according to them on or about September *, 2013. I had begun getting their collection calls before this date including a $25.00 late fee. Some of these calls are early morning and waking me up and sometimes are repeated later th

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 understand from the inquiry that [redacted] did not receive her card and statements for her [redacted] credit account she opened in July 2013. Our records indicate [redacted] contracted our Customer Service Department on Sept *, 2013 to report she had not received the card or a statement for her [redacted] account. At that time, it was discovered her apartment number was not listed in the address on file. We closed the original account as lost set up a new account number and transferred the balance to her new account. All late fees billed to the account as a result of this issue were credited and these credits are reflected on her October *, 2013 billing statement. Please find enclosed copies her statements for her review. The Minimum Payment Due on the account is $25.00 payable on or before "November *, 2011. We certainly regret any inconvenience [redacted] may have experienced as a result of this matter.

Additionally, we have adjusted the payment history of her account to remove any derogatory marks. In addition, we have submitted an update to the credit reporting agencies, [redacted], requesting that her [redacted] account be reported paid as agreed. Please allow these agencies 4-6 weeks to update their files.

We regret any inconvenience she may have experienced, but trust this response satisfactorily resolves her concerns regarding her account.

Sincerely,

Executive Response Unit

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:

On Friday, October **, 2013 7:00 PM, [redacted] <[redacted]> wrote:

I am writing to inform you of the continued telephone harassment I am receiving from Citi Bank for my [redacted] charge. I applied for a [redacted] charge in the [redacted], PA branch, never received a card, or any paper billing statements from Home Depot. Citi is calling me three or four times a day trying to collect a past due balance of $102.00 on a charge that I have no idea what the items were that were charged as my card may have been stolen. I had made a few purchases on this account but have never received any statement showing these purchases. After another frustrating call with [redacted] credit department I was given the last four digits of the account number that things were charged to and I have no such records of this account number whatsoever. I asked [redacted] to contact Citi to stop the harassing calls but it didn't seem that they could do that and were sorry for the calls

They show that I owe a minimum of $102.00 which is what Citi is looking for which [redacted] claims is not past due, even though Citi claims it is. This was supposed to be cleared up about six weeks ago and it still hasn't. I was informed in past conversations that all the mailing information was correct, including my apartment number but now I was told today that my apartment number was missing from their records and that is why I haven't received my card and billing. If the apartment number was missing and undeliverable by the USPS it would have been returned to [redacted] billing for correction. I was assured on two previous occasions that "even as we speak" the paperwork had been corrected and I would be receiving all my billing, etc. paperwork in the mail shortly. I have notified [redacted] credit department that you have been notified and are following up on my requests for my account billing be corrected. I wish that [redacted] at least issue me a substantial store credit for all the mental anguish this has caused me due to their errors.

Sincerely,

Also, after investigating the [redacted] Charge Card by Citi, I have found on the [redacted] site many, many, many complaints as to the [redacted] charges and billing for these charges. Countless calls, fees added for about anything, etc. Wish I read this before opening an account. With [redacted] being such a large corporation, I felt that their charge cards and billing would be up to par, rather than way below par. At least now I know that I am not the only mess up with them and hope that some of the others have reported this to you also.

Sincerely,

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

Sincerely,

Business

Response:

We have reviewed her recent concerns and we certainly regret any inconvenience she has experienced. In the response we sent to her we indicated her Minimum Payment Due is $25.00 payable on or before November *, 2013. This is accurate. This udpate was processed on October **, 2013 and it takes 24-48 hours for the update to process. Our records indidate no collection attempts have occurred since October **, 2013.

Thank you,

Executive Response Unit

Review: Started the loan process over 45 days ago, should have closed already and STILL getting questions for additional documents or statements. For example, today they requested a letter from my landlord that I have made all my payments for a year. Why not ask that 5 weeks ago, before ordering an appraisal, demanding home insurance and wasting my team making me believe everything was in order . They also will not accept verbal answers to their questions, must be signed letters. They are now questioning deposits into my checking accounts, Christmas gifts from my parents that I have to send them a signed letter explaining what it was for. Last week they wanted a letter explaining where the money for the down payment is coming from, sent a detailed explanation. A week later they are asking for another letter where the transfers into my account came from. The SAME place I told you a week ago. They have BOTH of my statements.

Other ridiculous items requested:

- Marriage license of the person SELLING me the house

- Signed letter that I am not related to the seller.

- Letter explaining why my drivers license is my old address

The latest request will cost a us another week cause my 'land-lady' is away for a week. Yet they blame me for going away for Christmas for the delays.

My sellers contract was only good for 45 days and the seller is already irate.Desired Settlement: Refund all the fees and appraisal costs or honor their 'on-time money guarantee'

Business

Response:

Business response attached. DH

Review: In August of 2015, my [redacted] ending in [redacted] was changed over to a My [redacted] Card ending in [redacted]. As my current card was to expire 09/2015 I called Customer Service to find out when my new card would be coming. I was told on multiple occasions and multiple calls to customer service through August to October that my new card ending in [redacted] was in the mail and should arrive to me soon and that my current card ending in [redacted] was closed and unable to be used.

The account at the point and time had a past due balance which I informed customer service on each time that I contacted them would be cleared once I received my new card. On October [redacted] 2015 I received a letter stating that my account would not be renewed past my expiration date on my card. However, I never have received the new card ending in [redacted] yet I have continued to accrue fees on this account since September when the card that I own the one ending in [redacted] expired. I have never received nor activated a card ending in [redacted] and never received or activated another card ending in [redacted]. My online account shows that I have both cards; however, the card I have ending in [redacted] is expired and NOT a [redacted] Card and the other card was never sent to me or received and activated. I do not understand why I am still being charged consistently for a card I do not have nor a card that is even active.Desired Settlement: The desired outcome would be for the interest and finance charges to be reversed to the time to where the only card that I have expired and for the account to be closed from the expiration date of 9/2015.

Business

Response:

We will be corresponding directly with the customer via the U.S. Postal Service. Please allow 7-10 business days for the consumer to receive our response.

Review: In Nov 2015 I confirmed with a Citi Rep that a $400 pymt was rec'd. On that phone call the Rep stated that the pymt was rec'd. Come to find out on 12/**/15 a collection agency called me regarding my acct & said Citi sent the acct back to them. I contacted Citi on 12/**/15 & they stated they didn't receive the $400 pymt. I asked them to review the ACTUAL phone recording on 11/4/15 because their Rep mis-lead me in thinking everything was okay with the acct. I've spoken to 2 Citi Reps between 12/** & 12/** & they aren't able to LISTEN to the ACTUAL RECORDING. They just are able to review the notes on the acct which will NOT help in resolving this issue. I'm also filing a complaint against my CU because after the transmission of the $400 they sent me a letter stating the acct # was incorrect & apparently took the money back so that's why Citi doesn't see it.Desired Settlement: I am requesting for Citi to listen to the ACTUAL phone call on 11/*/15 where their Rep mis-lead me & to take the account back from the collection agency & continue with the settlement that was agreed upon in September 2015. I'm requesting a letter from Citi that they will continue the agreement once all pymts are rec'd & up-to-date; which I'm more than ready to transmit everything owed. This wasn't my fault at all. It was poor customer service on Citi's end & negligence on my Credit Union. I also want an explanation as to why Citi didn't contact me prior to sending the acct to a collection agency after I made a settlement with them.

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 had applied for a credit card with citi and was approved for 0% apr for 15 months in September 2013. I was charged interest in June 2014. When I called to resolve the issue citi told me I applied in March 2013. I ask for them to pull my records on their computer to check. They claimed the records didn't go back that far. So they were suppose to mail a copy of my application to me. This call was made in July and I still haven't received my application in the mail and today is the [redacted] of September.Desired Settlement: I want my account closed and all debt forgiven with no reports or forgiveness on my credit reports.

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 have had my [redacted] account for years and whenever I made a purchase that is/was on a promotional and other purchases were made that weren't I would call to see how the payments are applied. I was always told that payments are applied to the promotional with the earliest expiration date. In October of 2013 I made a purchase with a promotional expiration date of 5/**. I noticed that the balance on my purchase wasn't going down so on Friday, March [redacted], I called [redacted] to find out why my balance on the purchase in question wasn't going down and was told that my payments were being applied to other purchases that were not on promotional. When I explained to the lady that in the past when I called I was always told that payments are applied to the promotional that expires first and that I have been making these payments with the impression that I was paying off my purchase before the promotional ends and now will have to pay the balance plus the deferred interest due to the payments not being applied where I thought they were. She explained something about my other purchases and the interest on them. I then told her I understand about the other purchases but none of those were on promotional and weren't subject to accumulating deferred interest if not paid off by a certain time.

Product_Or_Service: 32 inch Vizio TelevisionDesired Settlement: DesiredSettlementID: Other (requires explanation)

I would like those payments that I made credited to my promotional that is due to expire in May of 2015 in order to prevent the deferred interest on that purchase from kicking in.

Business

Response:

We responded to the customer on April *, 2015 and he should receive our response via mail within 7-10 days. If the customer would like to share this information they can provide a copy of our response to the Revdex.com. ?

Review: Citicorp Insurance Services, Inc., a subsidiary of Citibank has a refund policy if they find a cheaper price on the item purchased. I purchased a mens suit from [redacted] in [redacted]. I submitted all requested info wthin the 30 day period. They responded on the $281.94 suit I paid for and sent me a letter that I would receive $183.94 credit on my next CITI statement. I received a second letter seven weeks letter stating I did not choose the correct picture of the suit purchased and because 30 days has elapsed no credit will be given. The original receipt indicated the details of the suit description. The CITI [redacted], [redacted],stated the computer compared the picture with my sales receipt abd denied the claim. I said the sales receipt clearly indicated what I bought and the $183.94 should be granted to me.Desired Settlement: I clearly followed all the directions required for this refund by CITI. They did not follow up with [redacted] or the sales slip to come up with a fair conclusion. I want the $183.94 credit on my CITI credit card.

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 went to pay my credit card bill last month on time. I tried and tried all day, but their website kept freezing, and I wasn't sure if the payment had went through. I then called citi card the next morning and they told me it didnt go through, but not to worry because I have til the [redacted] to pay it, and the woman also said I will not be charged a late fee because I have til the [redacted]. Then the next month I went to pay my bill on the [redacted] and the woman told me I was charged a late fee for that month and the month before. I told her the previous woman I spoke with told me I had til the [redacted], the she told me that that information was incorrect and the [redacted] was when payments are processed. This is extremely unfair, ive been charged two late fees because of their freezing system and telemarketers giving out false information!!! I WANT ALL OF MY MONEY REFUNDED AND MY CREDIT FIXED, THIS IS NOT MY FAULT AT ALL!!!Desired Settlement: All my overcharged money refunded and my credit fixed!

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 in a timely and professional manner.

Sincerely,

Review: I experienced suspicious deterrents in attempting to close my [redacted] MasterCard account issued via CITI.Each time I called the customer service number (###-###-####)and chose the command "Close my account.", I would be subsequently disconnected. I was finally able to reach a customer service agent to close the account by changing my command to "Talk to a customer service agent". I don't think it was a coincidence that I was disconnected each time I tried to "close my account". This seems like a planned practice to discourage customers from closing accounts - especially those that don't have the time and patience to figure out how to get around this suspicious glitch. Product_Or_Service: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like the Revdex.com to contact [redacted]/CITI and ask them to correct this glitch so other customers can easily close accounts if they so choose. I am not looking for any reparations other than this.

Business

Response:

Dear [redacted]

We recently received an inquiry on your behalf from the Revdex.com of New York regarding the above-referenced [redacted] MasterCard account, which is issued by Citibank, N.A. We want to take the time to personally respond to your complaint as the service provided to our customers is of critical importance to us.

We sincerely regret to hear of the difficulty you experienced when attempting to close the above­ referenced account. 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 records reflect the account was closed on August *, 2013. If you are still in possession of any cards with the above-referenced account number, you may destroy them.

If you have any additional questions or concerns, you may contact our office at the telephone number provided below. Our office hours are Monday through Thursday, 9:00 a.m. through 6:00 p.m., and Friday, 9:00 a.m. through 5:00 p.m., ET. Our telecommunication number for our hearing-impaired customers is ###-###-####.

Sincerely,

Presidential Communications

Review: Did not receive billing statements. Therefore, was not updated by Citibank that I had payment due. Called them, and they removed most of the charges. However, the amount is larger than what was due, and they said they probably would not remove negative credit on my bureau. My amount charged (on my [redacted] card) was $25. At the end of their adjustment, I paid $31.03. The fault is theirs, as they did not send, by mail., email., or phone, any information that I needed to make a payment to them. My credit is perfect, except for my [redacted]/Citibank card. It is not reasonable to punish my credit for their mistake.Desired Settlement: I want my credit report repaired. Remove the negative credit.

Business

Response:

We are sending a notice to the Revdex.com via their website advising: We responded to the customer on April *, 2015. 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 find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: On March *, 2014 Sears sent me an email advertising 25,000 Sears Choice Reward Point if I purchase $1,200 in either airline tickets, hotel reservation, or rental car. I far exceed that amount with purhcases totaling $2,800.00 for those type items. The promotion ran from the time I activiated it through June **, 2014. I contacted Sears severl times checking on my points and each time I was told I should be receiving the points 4 to 6 weeks after June **, 2014 the promotion end date. Two weeks ago I was told by Sears that I should be receiving the 25,000 points by September *, 2014 and if I didn't receive the points to contact them. So I contacted Sears on Saturday September *, 2014 because I had not received the points and was informed that someone had annotated on my Sears account that I did not qualify for the points but failed to put the reason why. When I activated the promotion I wasn't given a code number all I got was a note that flashed acrossed the screen that read "This promotion is now activated".

Product_Or_Service: over $1,200 in airfare, rentalDesired Settlement: DesiredSettlementID: Other (requires explanation)

I want my 25,000 Sears Choice Reward Points or and explanation why I did not qualify.

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] inaccurately recorded my address and in turn never sent me a bill. They proceeded to charge me interest fees and report false information on my credit report. They never called to discuss returned mail. I requested they remove these charges and change my credit report. They indicated that because it was not a bank error they could not change my credit report and refused any further support. I feel I deserve better compensation for the aggravation and frustration this has caused me, as well as the damaging effect a false claim can have on a credit report.

Product_Or_Service: [redacted] credit card

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I feel I am owed some form of compensation since they report that they cannot change my credit report or history of reporting despite their report being false and in their error. I would also like a personal apology from a representative.

Business

Response:

We are corresponding directly to the customer and the customer should allow 7-10 days to receive our correspondence. If the customer would like to share this information they can provide a copy of our response to the Revdex.com