Citi

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: We bought a summer camp program from NYSC for our Andrew. We sent in our son Andrew on Monday August [redacted] and August [redacted]. And by Tuesday evening my son was suffering from stomach pain and we have to send him to our pediatrician. And during the process, we came to know lunch was not given until 2pm. The doctor didn't say whether my son can or cannot go to camp, he basically said very late lunch could lead to my son's stomach pain and we shouldn't let it happen. It also turns out late lunch not just happened on Tuesday , but Monday as well. At that point it became quite clear to us that to continue to put him in the camp provided would endanger my son's welfare.

We contacted Citi to dispute the charge and would like to get a refund. As of today, we received a letter from Citi that based on the merchant sent in information: 1) They claim the program are final sale 2) quality of service is not disputable.

We totally disagree with Citibank's statement. First of all, I didn't remember anything I signed has "final sale" on it, nor did any of their associates told us the program fee is NOT refundable. Second of all, we only had the service for one and half days and at least should get the rest back. Third of all, the merchant in this case failed to provide the services to take care of my child, it is NOT about quality, it is failed to provide serviceDesired Settlement: I would like to have a candid conversation with citi dispute department about this issue. The person I spoke to in the billing dispute department has NO interest to help me, instead he just ask me to prepare more paper work.

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], Currently they are working on it and the I will see a result in 50-60 days.

Sincerely,

Review: Was sold a product (balance transfer) that was to be completed through bank transfer, 1-2 Business days from 11/*/15. Called customer service on 11/*/15 to see what progress was on transfer. Customer service rep. stated that everything looked good with my bank transfer and that if I had not received it by the end of the day to call my bank. Bank contacted today 11/*/15 and had no record. Funding was to be used for buisness purchase for equipment. Delay of promised product has now cost me money in lost production with business. Customer service contacted twice on 11/*/15 and still no product received. Customer service stated that mistake was made by Citi. Still product not received and not settled. Feel like company failed me, after I put my trust in them - for service.Desired Settlement: completion of credit and having received service/product (balance transfer)

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:

Completion of the reimbursement has not been

completed. When full reimbursement can be viewed and agreed upon terms of (zero percent interest until 12/2016) for the

balance transfer- are in a statement, I will then note this as being resolved.Thank you,[redacted]

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

Sincerely,

Business

Response:

We

will be corresponding directly with our customer. If you would like to further

discuss the resolution, may I suggest you contact them directly?

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: Back in March, I received a letter from Citi with a special offer to refinance my current loan with them. When I called them, I talked with [redacted] and we talked about the loan process and I decided it sounded good, so we started the refinance process for my loan. After over two months of paperwork I got a “declined” notice about a refinance on my loan. When I called citi, I was told that it was declined because my property is a manufactored home on it. The person I talked to on the phone said they could not answer any other questions, that I had to talk to [redacted] about my concerns. I then contacted [redacted] in multiple emails and he stated that his company does not give loans for manufactured homes and there was nothing he could do. I then asked for my money back and he said he didn't think he could do that but he would try. I have since contacted him multiple times and have not gotten a response. Here is my complaint: Citi came to me to refinance my existin loan with them. This property has always been a manufactured home so this was a known fact to them when they sent me the offer. Also at no time did anyone ask me in the beginning of the process if this was a manufactured home so that I could have stopped the process in the beginning. So I believe this was just an easy way for them to collect a loan application fee and a very high priced appraisal (which I never got a copy of, so not sure they really even did it) knowing that they would not refinance the loan. They have charged my credit card two charges, one for $105.50 on 4/*and one for $465.50 on 4/*. In summary, I feel very strongly that I should be reimbursed for what they charged to my credit card since CitiMortgage contacted me to refinance an existing loan I had with them. The fact that the building is a manufactured home was a known fact to CitiMortgage at that time, so I feel CitiMortgage should have stopped the process then if they do not want to work with manufactured homes. I should not be penalized for this. This is an extremely poor practice to charge a loan processing fee and then an appraisal for a refinance when they already know it is a manufactured home and that they will deny the loan.Desired Settlement: I feel I should be refunded the amounts they charged to my credit card. They have charged my credit card two charges, one for $105.50 on 4/* and one for $465.50 on 4/*.

Business

Response:

To Whom It May Concern,

This letter is in response to your inquiry received on July *, 2013, regarding case number [redacted] for our clients listed below.

Mortgagors: [redacted]

[redacted]

Property Address:

We have investigated this matter and addressed [redacted] concerns with them via a letter dated and mailed July **, 2013. We have no record of receiving a signed authorization from [redacted] to release account information to you, the Revdex.com. Therefore, we are unable to provide any details to you about their loan. Please contact [redacted] directly if you require further infonnation.

Should you need additional assistance regarding this matter, please contact the Executive Response Unit by telephone at ###-###-####*, extension [redacted], Monday through Friday, 8:00 a.m. to 5:00 p.m., CT. Thank you.

Sincerely,

Executive Response Unit

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: There has been an on-going problem regarding receipt of funds from my employer and this financial institution. For roughly the past 3 pay periods this company has failed to release funds in a timely fashion. I have used this institution for years and have never encountered this situation before. I have been given the run-around, and in fact, out-right lied to regarding my funds. There is no problem on the part of my employer or the payroll service they use to transmit my check. However, Citibank for whatever reason has been delaying the release of my check. The last straw is to be told today(**January2014), that the "program" between Execupay and Citibank was closed. This information was told to me by a Citibank [redacted] after I had been advised by the same person hours ago that there was a posting problem that was Execupay's fault. I called Execupay and that is not the case. The [redacted] could not provide a date of a "program" closure, or tell me what "program" she was referring to. Moreover my credit/debit card was just reissued to me from Citibank a few months ago and has an expiration date of August 2016. I was told they could not do anything else for me and to contact my employer! I am due my payroll check today from a prominent cardiologist's office and I am the ONLY employee whose bank (Citibank), did not release my funds.Desired Settlement: Explanation of why this is occurring

Business

Response:

We have investigated this item and we have not been able to make customer contact. We will be responding back to this shortly with an explanation of the issue.

Review: I have been a Citibank Mastercard customer for some time. For the last couple of months, I have chosen to pay with the online payment system through their website. On July **, 2014, I desired to pay my balance in full - instead it posted 1 day after the due date that month. This happened again exactly that way on August **, 2014.

Apparently, their website chose a default date for the payment to be posted and that default it chose was 1 day late so I incurred late fees and interest.

I would like the late fees and interest reversed for these 2 months.

Their default choice for payment date should not be 1 day after it is due so they push you to incur fees and interest.Desired Settlement: Reversal of fees and interest for July and August 2014.

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 signed up for 2 separate promotions to earn bonus 'thankyou points' (a reward system Citi uses when customers make purchases, ect). One promotion was with a checking and savings account the other was with a credit card. After meeting all the criteria for bonus points on the checking account promotion I called and customer service told me that I had met all items needed and that I would receive my points by the end of the next month (3rd month after the promotion criteria were met as per terms). The points were not posted - so I called Citi again...what followed over the following 8 months was a continuous cycle of calling, fighting through the terrible auotomated phone service, getting numerous unhelpful or downright unintelligent people who cannot grasp certain concepts, repeated attempts to have me think I was in the wrong and blatant lies. On every call I was finally told - usually after at least an hour of arguments and phone transfers - that yes I was correct (some excuse given for the terrible treatment, etc) and that I would receive the bonus by the end of that month. This happened about 12 times - for over 20 hours wasted before they finally gave me the points.

Similarly, the promo with the credit card - had to spend 1500 in 3 months with the card. Done and completed - however, several purchases made were not posted to Citi's card until 1 day after the expiration date for the 3 months. This was caused by the merchants and not controlled by me. I had proof - online receipts from the merchants proving when I bought things (dates). Citi would not listen, kept claiming various things like 'it doesnt matter when you made the purchase" just when its posted...to this day (after about 6 months they still will not simply give the points to me - worth about $100 to them. Meanwhile, at least 30 hours of work has gone into this by their substandard employees...whats cheaper?Desired Settlement: Put 600,000 thankyou points into my account. Or pay me for all the trouble - $5000+

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: 11 years ago, I opened a [redacted] CC. For the past 11 years, these monsters have been charging me monthly something called "Debt Protection."Even if I was to sign up 11 years ago for a big purchase item, this program should not have continued after my balance was paid in full.I have been charged $610.85 since 11/*/2003.I am so upset about this, you have no idea. [redacted] has switched to different banks multiple times since I've been a member and I had NO CLUE I was involved in such a scam. Even if as a consumer I did agree at the POS for this "service," you would think that once the balanced is paid off, there would be no future charges. Well, they ARE very sneaky, they don't charge you when you have a 0 balance, only when you owe something. I am beyond upset and I want a refund. I have A+ credit, never been late for a bill and have read online about other angry consumers complaints.They are lucky if I continue to use their credit card. I've been a loyal customer for over 10 years and I feel like they've pulled the wool over my eyes.Who signs a customer up with a contract that doesn't expire???I have so many more things to say, but right now, I want my money back. Please help.

Product_Or_Service: Debt Protection

Account_Number: ends in [redacted]Desired Settlement: DesiredSettlementID: Refund

$610.85

Business

Response:

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

Review: Each Representative refers me to speak with an affiliate. Double billing, cannot dispute, deny federal right to access information or investigation.

In 2009, I opened a BB rewards zone card. Unbeknownst to me, [redacted] would sell me off to their, merging and acquiring bank / credit services from [redacted] to [redacted] to [redacted]. During this time, I was in college and moved for educational purposes. I set my email preferences to specifically deal with my address changes. [redacted] worked great until the final merge with [redacted].

First, I could not figure out why I had to re-register my account.

Normally, [redacted] credit card would allow me to login from the website.

Once Citi acquired it, Customers had to set up an account online. In this situation, I would receive my email statement, and I would attempt to log in online but the site wouldn't let me. I would go back to the website and the error report continued. Conveniently, two days before the "acceptance cutoff", I conveniently received a call from a Representative who encouraged me and helped me log in online. Did I realize the rep was from [redacted]? No. The reps identify as "[redacted] Card Services". So I accept the terms and conditions by creating a profile - even though I thought I was only reseting my password.

Second, I neither consented to having three different crediting banks appear on my credit report. I look like I open and close accounts - when in reality, I hold the same card since 2009. Is that irresponsible? I don't think it is, so then why does my report (with three different accounts being open and closed) appear that way?

Third, I have no clue why my credit limit dropped. My limit went from

$500 to $1500 back to $500. Again, this is reported to the bureaus.

Fourth, I asked for the notice that tells me that the merger occurred and that my credit line was decreased. Although I have a right to these specifics in writing, I cannot even find an email notification and the representatives told me that they cannot give me that information. OK...

I can't have information that tells me the terms that I am obligated to, but I can't know what those are? Hmm. Anyways, [redacted] is not the credit issuer.

Fifth, I asked to dispute a recent charge and was told that I needed to close an account or pay for it before Citi would investigate or dispute charges on my [redacted] credit card. Again, I think this is wrong because federal law allows me to dispute or request an investigation and the creditor would refrain from the negative reporting until after investigation. I didn't even get this.

Sixth, [redacted], [redacted], [redacted], [redacted], [redacted], [redacted], [redacted], [redacted], [redacted], and [redacted] from Fraud, Collections, Escalations, Customer Service, and "Connectivity" said that I only had two options if I wanted to request an investigation: either (1) pay for it or (2) close the account. My issues here are that by (1) paying for it would subject me to the terms and conditions (which I still was not given, despite multiple requests) that "acknowledge the charge" and (2) closing the account would FURTHER create negative reports! In good faith I paid for it, and now no one will honor their promise to refund the payment I made in good faith.

I was told to "wait" to see the refund on the next billing cycle - Well... this would again subject me to a term that I am unaware of, stating that I am obligated dispute within 30 days. (aka one billing cycle).

So if I haven't "consented," "gotten frustrated," "run out of time," or felt humiliated and bullied, Citi would escape having to honor their role because the statute of limitations would have run.

According to Rep. [redacted], a Geek Squad plan was double charged to my credit card. I would pay the amount, and then be charged for this and no matter how much I tried to cancel, I was to no avail. Had I not been persistent, I would have allowed them to make me believe that I was the problem.Desired Settlement: I want Terms and Conditions - My Cardholder's Agreement. I want a change in the policies. I want them to remove the negative report that was NOT my fault. I want them to apologize for the discriminatory and bullying behavior. The coercion to pay or else have your credit reported as delinquent. No help.

I want the refund for all my fees and NOT have to contact more than a few people. I have made 74 calls/contacts. I was transferred and told different stories. I want to speak with someone a

Business

Response:

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

Review: The only payment option for [redacted] is to add your bank account. I have to Account with [redacted] one me and other with my mother. On Oct ** I made online payment of $25 on my personal and $33 on my mothers account.On november * I sit down to pay my other bills and noticed that [redacted] took out $3,162 on Oct ** and also I see my $25 taken out on oct **. I am complaining this due to the fact that now I have to wait 7-10day for that to investigate and put it back. Look at [redacted] to see if this is the trend, they are telling me that may it did it by mistake. No I make sure 3 time before I submit. Now I will be behind on my other payments.Desired Settlement: DesiredSettlementID: Other (requires explanation)

[redacted] stated that they will refund it after looking into it but, that do not help me pay my bills on time. I would like explanation from [redacted] and to have Revdex.com look to see if this is the pattarn of [redacted].

Business

Response:

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

Review: I have had a [redacted] (issued by CitiBank) card for about 13 years. It was originally opened as a joint account between me and my now ex-wife. I called after our divorce to have my ex-wife removed and was told she would be. I recently received cards for me and my ex-wife. I called questioning that and they said they were sorry and would remove her. At that time I had them add my new wife on the account.

A while later I received new cards for me, my wife, and my ex-wife. This happened to be right before my ex-wife passed away. So I eventually called them and asked why she was still on the account and that she had actually passed away since then. They said it was a joint account so they normally wouldn’t be able to remove her but considering she passed away they could remove her as deceased. A few days later, my wife went to pay the bill through Quicken and was getting login errors. We eventually found out that the person that made the change removed me as being deceased, wiping out all of my information as the primary card holder and removing me from the account altogether and making my ex-wife (who is deceased) the primary card holder, with my new wife as an authorized buyer.

I called them on Friday and they could actually see the notes in the account where I had called and informed them that my ex-wife passed away and requested that she be removed from the account, so it was assumed by me and the person I was speaking with that it wouldn’t be too difficult to fix. They transferred me to the Probate Dept and I spoke with a girl named [redacted], who was very apologetic but needed to check with her [redacted] or a [redacted] because she had no idea how to fix it. She stated she or a [redacted] would call me back that day within about 30 minutes. I never heard back from them and when I called back I found that they were closed for the day.

So I called the following Monday and was told I would have to have the executor of my ex-wife's estate contact them to resolve this. And when asking to talk to a [redacted] I was told one wasn’t available and that it would be 3-5 business days for one to get back to me. This is the most ridiculous thing I've ever seen. I guess I would think knowing they made a huge mistake here, that they would go at least a little out of their way to fix it, rather than just to see how much more they can inconvenience me.

So now I have an account that has a balance, that I can’t even close (given how frustrated I am with CitiBank), and have to hope some glitch in their system doesn’t eventually link back to me and affect my credit rating. And all the [redacted] rewards points and status for earning rewards points I lose. And will this get reported to a credit agency that I’m deceased and affect other cards of mine? Why is it security is such a huge issue with credit cards but yet an employee there can cause this kind of havoc with a single wrong entry? Frustrated and thinking I need to contact an attorney!!! Too many bad things can come out of this mistake, especially if not fixed.Desired Settlement: To resolve these issue and compensate for all the hours I've spent trying to correct their mistake. And to assure me this won't have any negative impact on my credit cards, loans, ratings, etc. and. if it does, they will fix it since they made the mistake.

Business

Response:

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

Review: 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?

Review: To whom it may concern,

Citibank closed my credit card for reasons that don't comply with general fair business practice, The Consumer Financial Protection Bureau's description of Federal Trade Commission, Fair Credit Reporting Act and Citibank "refused credit even though I qualify for it". I RESPONSIBLY maintained my credit card with Citibank as a diamond preferred member credit card holder for a little over 1 month. One day, I called customer service and I was met by a woman who, like normal took my info. But as the conversation progressed I realized the person is someone I knew personally through a person I was engaged to. The conversation escalated quickly when she realized who I was. As time progressed I realized who she was eventually I'm saying if she knew who I was the whole time why would she continue the conversation.

In no way was I threatening and in no way was I abusive. If a customer service representative WHO ALSO KNOWS ME ON A PERSONAL LEVEL is going to berate me because she has a PERSONAL PROBLEM with me I'm not going to just allow her to diverge from the topic of my bank account and attempt to NOT speak to a [redacted], which I requested from her and she refused to do. Eventually, I hung up and she stated "she was going to go to corporate and go out of her way to cancel my card". Again, I have been responsible with my card and in no way was I threatening and or abusive in my conversation, on the contrary, the representative was abusive and threatening in nature AND CITIBANK WAS APOLOGETIC FOR THE REP'S BEHAVIOR.

What makes this situation even more ridiculous is that the day this happened, I called the executive office about the customer service rep's behavior and was issued a "VALUED CUSTOMER CREDIT" for FIFTY DOLLARS for having to go through this issue. Here is how the credit appears on the statement:

"01-**-2015 Congrats! Valued Customer Credit ($ 50.00)

Transaction Type:Posted Date :Reference Number:Merchant Country:Purchases 01-**-2015[redacted]"

Later that day, I come to find out that customer service "banned me" from calling the service center anymore because of that reps complaint about me. I get one letter that states:

"We are contacting you regarding your Citi® Diamond Preferred® [redacted]® account.

When we spoke to you on January **, 2015 you were abusive and/or threatening during the conversation.

Based on this, we've decided that we'll no longer accept your phone calls in the future. If you have any questions about your account please send your inquiry to us at:

Citibank

Thank you for your cooperation.

Sincerely,

Your Customer Service Team"

After calling the "executive office in South Dakota" which obviously is an escalted customer service center, the rep states that the ban is not permanent in terms of calling CS. So the next day I call Citi back to check my balance and come to find out now my account is closed. They asked me if I received the letter sent out I said no.

Here is the REVISED version of the letter from above (for closure of account)

"We are contacting you regarding your Citi® Diamond Preferred® [redacted]® account.

When we spoke to you on January **, 2015 you were abusive and/or threatening during the conversation.

Based on this, we've decided that we'll no longer accept your phone calls in the future. If you have any questions about your account please send your inquiry to us at:

Citibank [redacted]

Thank you for your cooperation.

Sincerely,

Your Customer Service Team"

This is ridiculous and on top of it an "escalated" customer service rep stated that "we can close your account for anything we want. You can cross the street the wrong way and we have the power to close your card. I dont know about you, but this dosn't seem like something that will go well with the federal agencies that govern fair business practices for credit card companies in terms of what occurred.Desired Settlement: Open my account back up and give me my credit card privileges back.

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:

CITIBANK did not address my resolution whatsoever. They are attempting to use stall tactics, in hopes that I wont respond and CONTINUE to embarrass them. So whoever is reading this can comfortably know that I am going to continue coming at you and continue to make complaints against your unethical business practices until you fulfoill my desired resolution of RE OPENING MY ACCOUNT. By the way, I truely hope for your sake that you start addressing with your employees about not bringing THEIR PERSONAL LIFE AND PERSONAL GRIEVENCES WITH CUSTOMERS ON THE PHONE.Again, if you continue with this behavior in regards to generic messaging on Revdex.com and ignoring my request, I will continue to make your company lose face.Good DayP.S. It's in your best interest to reopen my account ASAP

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: 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: 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: Citi Bank [Citi Cards] is harassing me with robo-calls three or more times a day over what they say is one overdue payment I contend thad I have been makng payments regularly except for a period last fall when I was hospitalized. They refuse to send me anything in writing other than a monthly bill. I am on a fixed income, handicapped, and I think the constant phone calls with no human being on the other end constitute harassment, and should be terminated immediately. The phone number of the offending calls is: ###-###-####. Thank you.Desired Settlement: They should mail me a letter explaining what their view of my account is and what settlement they will permit. I suspect they will refuse to put anything in writing because the typical response of credit card vendors is to harass their customers with multiple phone calls. I consider this to be UNLAWFUL!

Business

Response:

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

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved Citi Bank will most likely try another robo call or if I reply to a call from a live human being, they will refuse to put the entire matter in writing and send it to me in US mail. this is the alarming practice of bank creditors today. God forbid they actually acknowledge their practices in writing. A written response is the only acceptable response!

[Your Answer Here]

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

Sincerely,

Business

Response:

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

Review: I called for details about the merchants that are approved for the $500 signup bonus with citibank. I spoke to 4 people, none could give an answer

On 5/**/15 my application was accepted for a new Citibank Premier card which offered a $500.00 bonus in gift cards for the first $3,000.00 in purchases. The next day, I realized that purchases from [redacted], the merchant which I frequent, are not eligible for the $500.00 signup bonus. I called several numbers to try to get the Citibank card canceled. None of these people could help me; they kept transferring me to other people. After about 1 hour of holding, I gave up and hung up the phone.Desired Settlement: Cancel my card

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: We get phone calls 2-4 times a day. No message, no explanation for the call. The one time I actually got to talk to someone, they wouldn't say why. Told not to call back. Still calling back. If you refuse to leave a message then don't bother calling.Desired Settlement: No further contact by the business

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: WHEN PURCHASING A CARPET . I WAS TOLD ON THE 18

MONTH SALES ADVERTISING PROMOTION, THE PAYMENT

CAME OFF FIRST.I PAYED IT OFF IN THAT TIME FRAME.

ACC. NO. [redacted]

PURCHASE DATE-6-**-2013

AT THE TIME OF THIS PROMOTIONAL PURCHASE OF A CARPET. I INQUIRED ABOUT THE PAYMENT RULES. I WAS TOLD THAT I HAD 18 MONTHS WITH NO INTEREST IF I PAYED IT OFF IN THAT TIME FRAME.I WAS TOLD IT CAME OFF THE TOP FIRST.I PAYED IT OFF IN THAT TIME FRAME. THEN I RECEIVED A INTEREST BILL OF $449.92.

1-**-2015. I CALLED IN REGUARDS TO THIS INTEREST

CHARGE. I WAS TOLD, I HAD PREVIOUS BALANCE.THAT,S WHY I WAS CHARGED INTEREST. I FEEL THIS WAS VERY DECEPTIVE,AND VERY BAD ADVERTISEMENT PRACTICES. I DISPUTE THIS CHARGE.Desired Settlement: I FILL I SHOULD NOT BE CHARGED THIS INTEREST. I HELD UP MY PART OF THAT PROMOTIONAL AGREEMENT.

I HAD SPECIFICALLY ASKED ABOUT THE TERMS AND PROMOTIONAL RULES.THE SALES PERSON TOLD ME THAT IT WOULD COME OFF FIRST.I DON'T KNOW IF THE SALES PERSON WAS BEING DECEITFUL, OR DID NOT KNOW THE

TERMS OF THE PROMOTION.

Business

Response:

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

[Your Answer Here] I HAVE NOT RECEIVED ANY CORRESPONDENCE FROM CITI BANK. ISSUE HAS NOT BEEN RESOLVED.

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

Sincerely,

Business

Response:

A response was sent on 6/**/2015 via the [redacted]. Please allow 7-10 business days to receive our correspondence.