Citi

Review: Main complaints are about reward zone credit card fees, billing, no response to inquiries, and credit reporting (basically ruining my credit).

I am aware that I had fallen behind back in July of 2014. I attempted to catch up and signed up for automatic payments. After that, more than the minimum amount due was attempted to be withdrawn (up to the entire card balance). Obviously, I didn't have the money to cover the entire card balance so the payment was never processed. Well I log into my account about a month later only to find that my account is past due. I have sent requests to get more information and assistance, all has gone unanswered. The agents that I chatted with were extremely unprofessional and not helpful. Basically, I've been going round and round with these people at Citi. I never had this problem with [redacted], which brings me to my next point. This card has gone from [redacted], to [redacted], and now to Citi. That has made making payments difficult. I have never had a credit card that has gone through so many changes in such a short period of time. I can't even make a payment if I wanted to. Every time I log in online to make a payment, I get a "General Error". I don't know how I'm expected to make a payment or get current when I don't have the option to pay. I have had several fees added which are just adding to the balance due.

Account #: [redacted]Desired Settlement: I would like to setup a payment plan to get this paid up and certainly need the derogatory marks on my credit removed or fixed. I should not be penalized with 30/60/90/120 day late marks on my credit reports. It is reporting that I'm up to 120 days late at this time. I can't even make a payment online because of some "General Error".

Business

Response:

Thank you for your communication regarding [redacted]' [redacted] 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 have determined that my complaint has NOT been resolved because:

Their response to my complaint basically said that I had little time to pay my balance before my account is charged off. A long response and copies of my statements were mailed to me. My request to have credit reporting updated was not honored. That is unacceptable, especially because of the horrible customer service I have received. I have never, ever had a problem with a credit card / financial institution like I have had with this Citi credit card.

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:

My response stated that all future responses from the Revdex.com will be ignored. I'm going to be sending payments by mail to prevent further damage that they have already done to my credit. If I can't get this resolved through the Revdex.com, I will take it further and go to the FTC/CFPB.

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

Sincerely,

Business

Response:

In our previous correspondence to [redacted], we are no longer responding to concerns regarding this matter.

Thank you.

Review: My Grandmother [redacted] has been working with [redacted] citi cards to pay off a credit card debt. She has been making payments every month. She is on payment arrangement with them. She flew to [redacted] and tripped injuring Herself, due to Her being [redacted] and split Her [redacted] open, and broke Her [redacted]... She is sitting in a hospital in [redacted] with stitches in her [redacted] and a broken [redacted].... This citi card company through [redacted] is sending harassing letters to me, because we are on this card together... I HAVE TRIED TO SPEAK TO THESE PEOPLE ON BEHALF OF MY GRANDMOTHER, BUT THEY WONT LISTEN due to Her being the primary holder. PLEASE HELP US. [redacted] CANNOT PAY THEM, DUE TO HER BEING IN [redacted] IN CRITICAL CARE... Please help Her... They are threatening us, but not listening to the circumstances... ACCOUNT #[redacted] EXPERATION DATE **/** Thank you.[redacted]...Desired Settlement: DesiredSettlementID: No settlement requested - for

We would like them to honor Her original payment agreement and understand that it is no fault of Her own that She is behind. She is not well and ** years old.

Business

Response:

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

Consumer

Response:

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

[Your Answer Here]

They have not contacted us in reference to this hospitalization... All we have received is threatening letters. We are not sure why they would say that? They have not tried to listen to The original complaint filed... They are vague and have not tried to morally understand that accidents happen... In the meanwhile, they are receiving a direct deposit for the balance due, but due to the current circumstances that is all that [redacted] can pay. I [redacted] was diagnosed with [redacted], and have two small children I am a Single Mother to...Four and five years in age are they...We are giving them all we can at the moment. We will continue to give what we can until our health returns... Nobody expects for these situations to happen and we are doing our best.... Respectfully, [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: After making payments for 3 years; my account was still charged a $1700 finance charge.

After paying off my [redacted] card in full, I then purchased a TV as my first purchase on the account. I have made other purchases on my account but that one was the first one I made after the account was started at a zero balance. I have been making payments online for 3 years, and according to [redacted] I did not pay my TV in full during that time because I made other purchases after that date and my payments were applied to those purchases. I was making these payments thinking my payment would go directly to the oldest charges. This is very deceiving to those who are purchasing items, and so I have been added a $1700.00 finance charge even though I have made these payments which accumulate to more than that amount to what the TV was originally purchased. I would give you those exact numbers but when I try to log in to my account it has locked me out and I am on online statements, so I cannot reach my account details. Which I find very unprofessional that I cannot login to my own account which I have done so every month when making my payments. So right now my account shows late due to I will not make a payment on the account until this is resolved. I do not feel like those purchasing these items are informed properly. I have been a customer of [redacted] for a very long time and this is not how I would like my relationship to end with them as a consumer.Desired Settlement: I am not asking for a refund on my purchases, only for the finance charge that was added regarding the TV to be removed off of my account. That amount is $1700.00.

Business

Response:

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

Review: No reply ever received to dispute sent by FAX

In June, 2014, I was aggrieved with an interest charge of approximately $37 that was assessed when I paid off the last of my balance on a closed consumer charge account. I sent a letter through the US Mail to a post office box in Des Moines, IA, that is published on the [redacted] website. It was returned by the postal service undeliverable. In a new envelope, and double checking the address, I tried again. This, too, was returned undeliverable. Finally, I sent the letter by FAX, also enclosing images of my two returned envelopes to make it clear, US Mail was not received by them.

Over the course of the next month I called a number of times. It is known the dispute was received, evaluated, and ultimately denied... but I know this only because I kept phoning and phoning, asking for status.

I view this as highly unethical and possibly in violation of lending laws that I should need to go to such lengths to make contact, and receive no formal response. Not to mention miserly and greedy over the $37, which I did not feel I owed.Desired Settlement: I would like to be informed, in writing, why the dispute was denied, and I would like acknowledgement that my secondary complaint of a faulty US Mail address has been noted and corrected on their website.

Business

Response:

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

Review: In the process of trying to pay my bill I have people who cannot speak English and cannot answer questions and even hang up on me.

On 8/**/14 my wife called ###-###-#### to get information to pay our bill. She was told I had to be available to give my permission since the account was in my name. We tried to call again on 8/**/14 and it was not the companies "business hours". Today, 8/**/14 I called the number to give my wife permission to have account information. After 9 minuets I asked to speak to a [redacted]. I was hung up on after being sent back to the "customer service rep" because the [redacted] could not hear me. I could hear him and the rep heard me, so how convenient that he couldn't hear me. The rep hung up on me and we called the number again and was connected to a [redacted] who wasn't able to help up but forwarded us to another department. That department couldn't find us in the system. (Are you kidding me?)

I cannot pay my bill online because they have shut off my account. I have never been able to log on since the credit accounts were switched last year. I have received one bill in the mail, which my wife sent a payment. Now I can't make a payment by phone and they won't allow me to say my wife can be given information? I am a soldier and it is very rare when I am able to make a phone call to pay a bill. I have had no issue with any other company in giving verbal permission. She even has a POA which allows her to take care of things for me.

All I want to do is pay my bill and I can't even do that. So I continue to rack up late fees and psst due fees that could have been prevented if I was able to 1) log on a pay my bill 2) had gotten more than one bill in the mail in the last year or 3) been able to give permission and paid my bill today.Desired Settlement: I would like a refund on any late charges or past due amounts billed to this account after 06/**/2014 and to be able to give permission for my wife to obtain information on this account so we can pay the balance we owe.

Business

Response:

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

Thank you

Review: Have not received prepaid card (an educational Internet subsidy) from Connections Academy that was supposed to be issued via Prepaid Citibank. Was told by several Citibank CS personnel that my card was issued on 6/**, and was mailed that day. I would have card in 7-10 business dys. I didnt receive card. Called to find out where it was, told by a gentleman by the name of [redacted] in corp svcs. That my card was not mailed until 6/**. Asked him whom should I believe, didn't understand why such discrepancy in dates. He said the CSP's are trained to tell people that the card is mailed out the day issued. Well I find that to be totally deceitful.

I would think after all the stuff Citicorp has been through thy would have stopped the lying.

I don't like how I was lied to by 3 different people. I want my card and I want Citicorp to stop lying to people.Desired Settlement: I want my prepaid Citicorp card and Citicorp to stop deceiving people.

Business

Response:

[redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on June **, 2014 from [redacted] regarding the delivery of a card issued by Citi Prepaid Services. As a company that is dedicated to providing world-class service, we strive to resolve all cardholder issues in a thorough and satisfactory manner.

The cardholder was misinformed by one of our agents regarding the original shipping date; the agent had mistakenly provided the card requested date instead of the card ship

date. The agent has undergone additional coaching to improve future servicing. Citi Prepaid Services spoke with [redacted] on June **, 2014 advising of the correct ship date of June **, 2014 via regular mail. [redacted] agreed to wait for the card to arrive, and advised that she would call back if the card had not arrived within the given time frame of seven to ten business days.

To date, [redacted] has not contacted Citi Prepaid Services, and our records indicate that she is using the card that was shipped on June **, 2014, confirming the card delivery within the delivery time frame.

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

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]

It was indicated to me that an internal investigation was being made into the matter. As to why the card was not sent out until 6/**. I want to know why, I did not receive the card until the end of the month. Yes, I did receive the card, but my other issues as to why it took so long has not been addressed. And it was more than one person who gave me an incorrect delivery date.

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

Sincerely,

Business

Response:

To Whom it May Concern:

Please contact Citi Prepaid Services at ###-###-#### to discuss the resolution as we have tried to contact you with the number provided.

Review: Hi, my complaint has to do with Home Depot credit card. Home Depot offers a service where you can have the store handle the transferring of funds to pay the balance on the card, this is faster that just paying the balance online, because once payment is made inside the store towards the card balance, more credit becomes immediately available on the card allowing to to take advantage of special discounts available in the store if you use the card. On March **, 2014 I had asked the Home Depot on [redacted] to transfer $1000 from my debit card to the Home Depot Credit card and I have a record of $1000 being taking out of my checking account by the Home Depot Store. That amount appeared on my Home Depot Credit card account but then it was taken back out of my Home Depot credit card account by the store on March **, 2014 for reasons unclear to me with a note that the store is returning the money back to my checking account. However, the money was not returned to my checking account and my balance of $1000 on Home Depot credit card remains unpaid. I have been trying to get Customer Service at the Home Depot to correct the problem for over a month now and getting a complete runaround, which did not result in correction of this error. I was told I have to call the Home Depot Credit Card, which I did and got a confirmation that money was taken back by the store and balance remains unpaid. I was then told to get a letter from my bank confirming the money never came back to my checking account, which I obtained and provided to them. I have been told to then wait for them to resolve it and they will notify me when the issue is resolved. I have waited over 3 weeks at this point and there has been no answer and no money returned to either my checking account or deposited back toward the balance on my Home Depot credit card. Each time I contact Home Depot they have me talk to a different person and at this juncture no one has demonstrated any accountability and responsibility to help me with this issue.Desired Settlement: DesiredSettlementID: Other (requires explanation)

The store needs either to transfer $1000 back to my checking account or put it back into my Home Depot Credit card account so my balance is paid out

Business

Response:

[redacted]

We are writing in response to concerns brought to our attention by your office on behalf of [redacted].

Please accept this letter as confirmation that Citi Cards Canada has addressed [redacted]’s concerns. Written correspondence has been issued to the complainant to confirm the actions taken to resolve this matter. We now consider this matter closed.

If you require any further information, please do not hesitate to contact me directly.

Sincerely,

[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: Citi bank revered a payment made on my account but didn't refund the payment to the bank account.

My citi bank credit card number is [redacted]. A payment of $1,588.31 was made on Jan [redacted]. On Feb [redacted] that payment was reversed. To date, that payment has still not been returned to the bank. Citi bank took the $ out of the bank account but didn't apply it to the credit card. Need I say more?!?

The $ needs to either be back in the bank account or applied to the credit card. Citi Bank cant keep my $. There is a word for that in English - "steeling".Desired Settlement: Either apply the payment to the credit card or return the money. keeping the money isn't an option...

Business

Response:

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

Consumer

Response:

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

[Your Answer Here] Of course we have corresponded directly, I wouldn't contact the Revdex.com before I have. However, that has resulted in nothing, hence the Revdex.com claim. I have attempted to resolve this matter the conventional route through customer service for over a month, to no avail. I have been promised that the issue will be investigated and resolved by many reps. I have been promised follow up return calls yet they don't come. At this point it seams that whoever I talk to at Citi agrees with me but does nothing about it. My hope is that Citi bank will have a bit more shame from the Revdex.com and settle this matter.In conclusion - Citi bank has my money and refuses to return it. There is never any excuse for theft. It is no different then walking into your neighbors house, covered in a ski mask, and stealing $1500. The only difference here is that the theft is being committed with a tie behind a mahogany desk.

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]

The letter they sent didn't resolve the issue. They still refuse to either credit the account or refund the money. Am I making an unreasonable request? If you don't want to honor the payment then return it. You cant not honor it and not return it. Do you not agree?!?

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

Sincerely,

Business

Response:

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

Review: I opened an account back in 2014 and was charged 300 for interest that I was not aware of.

I opened an account back in 2014 for flooring. I was told I had 6 months to pay it. Fine. So I purchased windows and was not aware that every time I make a purchase over 200 I had to pay if off in 6 months. I closed the account because I was charged 300 for interest. I am upset about the miscommunication of [redacted] policy about purchases. This is not fair to the customer especially if I was not aware that I would be charge interest after each 300 or more purchase and have 6 months to pay it off. Not fair. This is a rip off.Desired Settlement: I just want to get a credit for the interest I was charged back in 2/**. I have closed the account and intend to pay it off today. I will never use their services again.

Business

Response:

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

Review: I HAVE DISCOVERED 9 UNAUTHORIZED CHARGES TO MY ACCOUNT FROM FEBRUARY 2014 TO OCTOBER 2014 BY [redacted] $19.95 AND [redacted] $14.95 FOR A TOTAL OF $314.10Desired Settlement: DesiredSettlementID: Refund

REFUND ME THE $314.10

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: [redacted] department are sending letters to the wrong address for my NEW [redacted] CREDIT CARD. My complain is someone is typing in the wrong address or information. My NEW [redacted] CREDIT CARD would have been loss in the mail. That needs to be corrected.Desired Settlement: DesiredSettlementID: No settlement requested - for

Save as above information.

Business

Response:

Case Number [redacted]We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him directly. Sincerely, [redacted]

Review: Per my request, citibank had provided me with a new debtcard. This debtcard never left my possession yet someone a deduction of $120 was withdrawn from my account using my debt number and pin. When I called the citi fraud department to advise of this incident; the rep explained that they can not assist on account of their systems updating and I would need to call back next day to dispute. I have proof I was not at the location of the withdrawal at the time yet they can not guarantee the immediate refund.Desired Settlement: Citibank investigate how my debt card can be compromised. Change my checking account number immediately to protect me from any future fraud. Return my missing money without disruption of service to me

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted]. I followed up to CitiBank fraud department on Sunday at 8am. I was advised that my account would be credited and the investigation hijack to my checking account will take 45 days to resolve. A new ATM card is expected to arrive to my home address within 3 business days. I currently do not have access to my accounts and was told that if I require any transactions to be completed, I will need to visit a bank teller for support.

Review: Today October **,2014 I still do not have my [redacted] credit card.

My name is [redacted]. I opened a card that was supposed to be in mine and my husband name back in june 2014. The women that helped me said only one person can be on the card. Ok fine! I was issued a paper temporary card to make purchases. The temporary card was only good for 2 weeks I believe. I NEVER received my card! Till this day. At this point I am so extremely frustrated with [redacted] its not even funny. I would love to pay online and use online service but I must have my card and card number to sign up. I have been forced to make over the phone payments each month for the past 3 months. And each and every time I have called I have asked for them to send me my card. Each and every person I have spoken with said they have submitted for the card to be mailed out to me. Why is this so hard? I would think that after having my card HACKED!!!! TWICE!! you would want to make things right for your customer. After I was charged for a gift card and another thousand dollar expense I never made the person I spoke with on the phone said they will also be sending me a $50 gift card for the inconvenience???? What a way to butter me up and let me down again! I am assuming this person told me this so I wouldn't complain anymore to them.Desired Settlement: At this point in time I REALLY NEED MY CARD! I have been purchasing products at the [redacted] here in town where I have a card as well. I am a [redacted] as well as a [redacted] and need to have more option than [redacted] to make my purchases. I would also like for someone at the local store to speak with me face to face to ensure my issues are being met and not ignored for another 4 months! along with some sort of compensation for me being lied to repeatedly, given the run around, inconvenien

Business

Response:

Thank you for your communication regarding [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: Sears never send bill after purchased after a few months they sent bill and with a charge fee, the information on the bill are not even correct( Name,

Illegal charged fee imposed on billing , name account and address not corrected. The bill never sent after purchased until number of months later to collected charge fee.Desired Settlement: Explanation about incorrect account#, name and address and charge fee

Business

Response:

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

Review: I have had MAJOR problems with Citi and have spent HOURS on the phone with too many reps to count, regarding fraud on my card, bugs with the website that prevented activating new cards, seeing the activity on my new card, fraudulent charges not being credited back as discussed (multiple times), history on old card removed even thought I was asked if it was ok to remove and I said no and the rep (Elizabeth) said she would not touch it. The list goes on and on and on. I'm disgusted!

After spending hours trying to have my account resolved correctly I finally asked to speak with a manager but was transferred to yet another supervisor, Bill, (refer to account notes - he said there will be a history of everyone I've spoken with), who told me that I could escalate no further than him. Bill must be a pretty important VIP at Citi if he's as high as I go.

My financial activity is incorrect, I've been put on extended hold times by most of the representatives I've spoken with (i.e., 10-12 minutes on my first call today, which was ultimately disconnected when the rep tried to transfer me to the US and noone ever called me back), and I cannot get the assistance I need even after spending SO MUCH TIME on the phone with Citi, spanning several days and many, many, many reps and supervisors.Desired Settlement: I expect a call from a Citibank manager and expect my account to be corrected immediately and the bugs to be resolved that have led to so much of the frustrations this week. In addition I want every call monitored and action taken against the reps who did not handle things properly and who terribly exceeded the acceptable hold times policy at Citi (which is 2 minutes, and 7-12 minutes was my repeated experience).

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:

This investigation is still in process with regard to the multitude of system and customer service issues, but the errors with the transactions were finally rectified.

Review: I am in the process of attempting to get an increase on my credit limit. In order to do so I was told a Hard Pull needed to be performed. I made a call on the 3rd of February and told the rep no, that I didn’t want a hard pull done, but that I wanted to talk to a credit analyst. She informed me they can’t transfer me over until after a Credit Report is pulled so they have a reference to talk about. I finally made the decision to have it pulled and now I can’t talk to a specialist about the report as the rep had said before. I only agreed to have the report pulled because of this and now have a Hard Pull on my credit report under a false pretense.Desired Settlement: I want to discuss this process with someone and or have the hard pull removed from my report due to the false information provided to me.

Business

Response:

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

Review: I'm receiving a large surprising interest charge I was never told about and I very upset about it.

The account number to the account I'm referring is [redacted]. I got my best buy bill out the mail today and it showed I owed $1443.82 but when I called she said I owed only $1100. I've been paying over the minimum that I'm suppose to pay and I receive this bill today 4/**/2015 and they added $622.34 of interest charge to make my total $1966.16 and I'm very upset because I've been paying on this and I'm basically back at the beginning. It's very unfair. The lady said I could pay $1100 today and that would cut that $622.34 in half but who has that type of money when u have other bills I couldn'tdo that, it's just not right she said if I couldn't do that then I would have to pay that whole $1966.16. I really need someone to call me ASAP about this situation because it's so unfair.Desired Settlement: I just want them to drop $622.34 interest charge. And let me pay out that $1100 the lady said I have left.

Business

Response:

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

Review: I have been with Citibank for 2 years and today I received a notice saying they were lowing my credit limit on my card because of a report they got from Equifax. They told me that I need to spend money on the credit report to try to fix the problem. My issue with this is that they negatively affected my credit because of their actions and did not give me prior notice to their actions. Because of this it will affect not only my credit but also my job.Desired Settlement: Reverse their actions of negatively affecting my credit.

Business

Response:

Dear [redacted]:

We recently received an inquiry on your behalf from the New York Revdex.com regarding the recent decrease in your credit limit.

Part of our periodic review of accounts involves evaluating our cardmembers' credit bureau reports to verify how the credit relationships are being managed. When we obtained a copy of your Equifax credit bureau report, it reflected late payments with other creditors. Based on this information, your credit limit was decreased from $8,500.00 to $5,990.00 on October **, 2013. In order to evaluate your request to reinstate your previous credit limit, please provide the following information:

1. Annual salary, wages and other annual income

2. Monthly mortgage/rent payment amount

3. Permission to review your credit report

If you are 21 or older, you may include salary and wages from others that you can reasonably access to pay your bills. Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation. A self­ addressed envelope is provided for your convenience in returning this information. If we do not receive this Information within 30 days from the date of this letter, we will consider your request withdrawn.

As of the date of this letter, the decreased credit limit has not yet been reported to the consumer reporting agencies. We cannot tell you how this information may impact your credit score, as it is dependent on actions by other creditors or variables Citi does not control. Each of the three credit bureaus maintains their own credit scores on an individual based on information each credit bureau chooses to keep on file about an individual.

I look forward to receiving your response.

Sincerely,

Presidential Communications

Review: Payments were taken from my account incorrectly and [redacted] refuses to accept my dispute.

I was an authorized signer on a consumer credit account under the financial liability of my sister, [redacted] Due to her financial situation, I was set up as an authorized signer so that I would have access to account information and to make payments/inquiries on her behalf. I set the account up with automatic payments to ensure payments were made timely for her. I attempted to log into the account in Dec or Jan and found that the online account listed as the account was closed. I attempted to call HD at that time and was advised that the account was still open but that they were experiencing web site issues. I called again in February and was advised at that time that the account was actually in a closed status since November and that I was no longer an authorized party. I didn't realize until last week that payments were still being taken out of my bank account even though the account had been closed. I called HD customer service and was given the fax # and advised to send in my bank statement and a refund of $190 would be issued to me. I was also transferred to the Billing department and they removed my banking information so that no further payments could be taken from my bank. I called back yesterday to find out a status of my request and the customer service I received was deplorable. I was advised they could not take a payment dispute from me due to my not being authorized on the account any longer. They said any documentation that I sent in would not be reviewed and thus there was nothing they could do for me. However, I have NO financial responsibility to the account and she did NOT have authorization to use my banking information. My banking information should not transferred over to any new account that was opened under her since I am no longer and authorized party. I demand a refund of the funds HD unlawfully took without my permission on the second account. I was transferred to a "customer care advocate" when asked for a [redacted] and he was condescending and rude. Again, he said there was nothing they could do because I was not the account holder. However, if I'm not the account holder and I am showing you proof that funds were taken from MY account, why is there nothing that can be done to reverse them? I asked to speak to his [redacted] and was advised all that he could give me was a "People Manager" who do nothing for me but he transferred me to her anyway. She gave me the reason that there were 2 systematic accounts - the billing account and the card account that is tied to the billing account and that they only closed out the card account and not the billing account. Since it was reported lost or stolen, I feel all accounts should have been closed out since anyone could utilize the information fraudently. I was advised to dispute it through my bank, however, I am only able to dispute back 60 days, therefore, I am filing this complaint demanding a full refund of the funds that were taken from my bank account, without my consent since November 2014 when the original credit card account was closed.Desired Settlement: I am seeking full refund of ACH payments taken without my consent totaling $190.00 from November 2014 - March 2015.

Business

Response:

We responded to the [redacted] on April **, 2015.She should allow 7-10 days to receive our written response. If she would like to share this information they can provide a copy of our response to the Revdex.com.

Review: This company has called me every day either 3 or 4 times each day asking me for a credit card number to check on a credit card with [redacted]. I have refused to give them any credit card info on the phone. On your website you list Citi Bank as a possible scam [redacted] is working with Citi bank butFeels the request for card numbers is probably fraudulent.Desired Settlement: No settlement requested - for This company would no longer harass me on the phone.)

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?