Citi

Review: I am being billed for a warranty that I cancelled in February 2015. My account is paid in full and I am still being billed monthly.

I purchased an Apple I phone in 2011 and took out a warranty with [redacted] at the time. 2-*-15 I called the The [redacted] ###-###-#### wanting to cancel the warranty which was 14.81 each month and I also set up payment on line for 2/**/15 in the amount of 14.81. In March a bill comes for 14.81 I call [redacted] Credit ###-###-#### wanting to know why I am being billed service rep said they would tranfer me to [redacted] I spoke with a [redacted] told I was not being charged warranty billing was stopped in February that I have a Zero Balance and gave me a ref#[redacted] should I receive any more bills call back. On 4/*/15 I have to call back wanting to know why I was still being billed this time 14.81 + .32 interest. This time I spent a total of 2 hrs on the phone being pasted around from one custmer Service rep finally I spoke with a person called [redacted] she said that it was from December 2014 due to I was not billed in December it did not make since to me because going over my stuff I paid starting with Nov *, $120.68 then in Dec [redacted] $14.81 Jan [redacted] 14.81 Feb [redacted] 14.81 I told her I am not seeing what you are saying. However, I went ahead and made a payment of 15.13 on 4/*/15 Now I recieved a bill for 30.62 called customer service they would not help and was rude to me so I called [redacted] in MN and spoke with [redacted] at ext [redacted] ###-###-#### case #[redacted] told him the problem he stated he would look into it. I have not heard from him. I called yesterday again after talking to customer service which I hung up on I called and left a message and ask for him to call me and still nothing. I want my bill cleared of this 30.62 and I do not want any late payments from [redacted] Credit reported on my credit. I should have a zero balance and [redacted] keep saying I owe one more payment. Please help me.Desired Settlement: I want my account clear of any late payments and I want my account at $0.00

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 have responded directly to [redacted] on May **, 2015. The customer should allow 7-10 business days to receive our written response. If the customer would like to share this information they can provide a copy of our response to the you.

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 a billing dispute with [redacted] which is being managed by Citi Bank credit cards and I am extremely disappointed how they have managed this dispute.

On ** April 2015, I bought a new phone and airtime from [redacted] for $866.54 and I took the phone back unopened in the box with the security seals on ** April 2015 and the sales lady said she could not take it back, which is against [redacted] policy.Desired Settlement: Citi Cards Disputes [redacted]

06/**/2015

Dear Citi Cards Dispute Manager,

ACCOUNT NUMBER AND [redacted] $866.4

On ** April 2015, I purchased a Galaxy Note 4 and a paid for one months of access for a total of $866.54 on my Citi Thank You Visa Card. The Sales Lady at the [redacted] store on [redacted], [redacted] informed me that I can return the up-opened phone within 30 days, if the phone box was un opened and the phone unused.

The coverage on the [redacted] network was very poor, on another phone I was using and on ** April 2015 took the phone back to the [redacted] store and the lady said I couldn't return the phone. And said that her store manager would be calling me back, I waited two weeks and no store manager from [redacted] attempted to contact me.

Therefore, I went to the store again on ** May 2015 and wanted to speak to the Manager and the lady said that the manager will call be back and no one has called me back as yet.

As you can see from the attached pictures the phone is unopened and in the original packaging and can I please send this phone to Citi Credit Cards, so you can examine the phone and resolve this dispute once and for all.

I am now on the [redacted] phone network and don't have any problems with drop outs and [redacted] cancelling services.

Please let me know the correct address I can post this phone to in Citi Bank Credit Card.

Many thanks for your time.

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 had a balance of $62.00 on my [redacted] account. [redacted] decidedto charge me $55.64 in interest for no apparent reason. This is an illegal rate of interest in Texas and in the US. Which I pointed out to [redacted]. They agreed, yet argued about their rights to charged me? However, employee # [redacted] and employee # [redacted] (they will not give names) agreed to send me a check for $55.64 if I paid off the total account balance of $117.64. Which I did in cash.I have never seen the check for $55.64.Desired Settlement: DesiredSettlementID: Refund

Cash or check in my hands now.

Business

Response:

Good Day All,

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

Regards,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I was searching for a credit card that I could do a balance transfer and one that would offer zero percent interest for a year or so. During this search, I found the Citi Double Cash Card and applied for this. The offer was 0% interest and 0% on balance transfers for 15 months. After the introductory period, interest could range from 12.99-22.99%. This was a perfect option for me, because my card would be paid off at that point, and I do not pay interest on credit cards. I was approved and started utilizing the card. Yesterday, I noticed that I was charged a great deal for interest. Assuming there was some sort of mistake, I called the customer service. After explaining my situation, they told me that the 0% offer was only on balance transfers. I was infuriated, especially when the exact same introductory offer is still posted on their website and I have only had the card for a couple of months. My significant other got the exact same offer in the mail at the same time I did. They were unwilling to fix this error. I have had terrible service with Citi, and have multiple friends that have had the same problem. The credit card will be paid off by February and closed regardless, however if they are unwilling to honor what was advertised and promised, we will ensure that all other individuals who have had this problem also come forward.Desired Settlement: The desired outcome would be a refund of interest charges and for them to honor the deal that I signed up for, however after speaking with the customer service they make it very clear that they do not honor their advertisements. As I explained to the CSR, I would not sign up for a card that offered a HIGHER interest rate than the card I had.

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 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: 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: On or about January **, 2015 I received confirmation from Citi that they had received my deposit required to open a secured [redacted] through the institution. The mailing detailed that I had in-fact deposited $300.00 and that the Certificate of Deposit was subsequently opened with a CD Reference Number. On or about January **, 2015 I received a mailing from Citi informing me that my account had been approved and welcomed me to my new Citi [redacted] account with a credit limit of $300.00 (the amount of my deposit).

Shortly thereafter, I received a statement from Citi for $29.00 which was the Membership Fee required to activate the card. The payment due date was March *, 2015 and a payment was made on February **, 2015.

On or about March 2015 I was promptly informed that my Citi [redacted] account had been closed. When I called to inquire why the account was closed, I was informed that Citi retained the right to close the account if they deemed the account owner unable to make payments. I was told that my debt to credit ratio was skewed and that was the reason the account was closed. I expressed to the customer service representative that I had not missed any payments and the same reason was reiterated. I informed the customer service representative that I had secured the account with my own money via a $300.00 deposit into a CD and the representative told me that Citibank would refund the CD amount less any current OS balance on the account. On April *, 2015 I paid off the balance of $136.63 because Citi had not yet applied my CD deposit to the balance and I did not want to incur a late charge.

After numerous phone-calls to find out when I would receive by CD deposit I faxed a copy of the Certificate of Deposit confirmation to Citibank on April **, 2015 because they alleged that they had no proof of receiving my Certificate of Deposit. On April **, 2015 and April 30 , 2015 I received mailings to contact Citi regarding my "Citi [redacted] account which is secured by a Certificate of Deposit". I called and received two different responses, one representative informed me that I would receive my refund within 7-10 days of our conversation. It was after that conversation that I received the April **, 2015 mailing which prompted my second call at which point I was informed I would not be receiving a refund check and that for further information I should return to the branch where I initially opened the card.

That was the last time I had any communication with Citi regarding my Certificate of Deposit. To date, I have not received any money from Citibank and my [redacted] has reflected a zero balance for several months. I think it is unfortunate that I have experienced such treatment from Citibank as they are the institution with which I have both my savings and checking account. The only reason I opened the secured card account was to assist with building my credit. I used my own funds to secure that credit and Citi without warning promptly closed that account within two months of it opening. I am completely fine with not having that card but I do not understand why Citi refuses to refund my $300.00 deposit when I have provided them with proof of the CD confirmation letter I received from them.Desired Settlement: I would like my $300 deposited in order to open my Certificate of Deposit to be refunded since I duly paid off the balance after Citi closed my account.

Business

Response:

We

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

further discuss the resolution, may I suggest you contact 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 business did not adequately address my issue. Their response is open-ended. They give no time as to when I will be contacted nor as to who will be contacting me. They also do not explain their position on the matter. Their response makes it seem as though they have not looked into the matter, and rather opted to send a boiler-plate response. They can easily proceed and do nothing after sending that message to the Revdex.com which will leave me once again at a deficit.

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

Sincerely,

Business

Response:

We

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

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

Review: 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.

Review: [redacted] taking more than they should with the Interest Charges, they are taking out two Purchases one before 09/**/2011 was told they don't know why

I have called Best by many times asking why I'm being charges two differt purchases one regular and one regular on or befoe 09/**/2011 one being $35.15 and one for $22.68, none of my other account are set up this way for two differt purchases, I was told that the account was sold to three differt banks I talk to Citibank who now has the account at this time, they said they were going to cantact the other banks but never did to find out why this is happening they don't know why it coming out this way, the other banks name they gave me was [redacted], and [redacted] Bank I was told I will have to call the other banks to find out about this charge, I was told that they omly had the accout scens 2013,and do not know why the account and Interest Charges Calculation are that way,this has been going on for yearsDesired Settlement: Pay back all of the Interest Charges on this account back to when the account was open, and lower the Interest Rate to oo.oo% cantact all other banks, with this accout return all Interest that was paid to them pay $25,000 each

Marvin Pams

Business

Response:

We responded to the customer directly on March **, 2014. If the customer would like to share this information they can provide a copy of our response to the Revdex.com.

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, [redacted]

Review: This company called me upwards of 10 times a day, from multiple numbers in multiple locations for almost 6 months even after I asked them to stop. It took me getting angry and telling them to report them for them to stop. Even then, they only stopped fur a couple of days and then the calls stared again.

These calls would start at around 7am and would come until almost 10 at night, if not later. After doing some research online, I found they do this often to many different people. They also do not call from the United States, mammy of the calls are centers based in India, until you get angry and then they transfer you to an American call center.Desired Settlement: Truly, I would love for them to a) stop calling me and harassing me and b) for them to adjust what I still do owe them to apologize for the harassment. They have taken me away from time at work to talk to them, costing me money, they have run up my cell phone bill with the consistent calls and the time I have spent researching laws about harassment with debt collectors. They have also taken time away from my family, time away from my life and time away from things I love.

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: 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: 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: 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 was charged late fee and past due which I wasn't aware and I didn't not get email/letter. I tried to call citibank to resolve the issue in the phone ###-###-#### or ###-###-#### but the associate either hung up the phone or didn't transfer me to the supervisor. some associates' name are Christen who talked to me about 8:24am in 9/**, Kahlil R[redacted], Shahzaba and Rebbecca who talked to me about 7:20pm to 7:40pm in 9/**. But none of them resolved the issueDesired Settlement: waive the late fee and remove the past due record from credit bureau

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 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: 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: 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: 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: We received a [redacted] PROMOTIONAL VALUE OF $200 worth of prepaid debit card # [redacted] thru CITIBANK. I used up the amount but there was a purchase made at [redacted] on 12/**/2014 of $29.42 (including tax) and was returned 1/*/2015 and should have been credited back to the debit visa card. I called the Citi prepaid card customer service at ###-###-#### to check the balance but still zero. I talked to an agent and he said it may take about 30 days for a credit back. I asked why it takes that long and informed them that the cards expiration would be Jan 2015. I was just told to call back when the credit is posted. So the card expires and the amount was posted. I cannot use the card, the stores declined it because it is already expired. I called the Customer Service and was told that they cannot do anything about it and gave me ###-###-#### to call. I called that number and was queued like an hour before I was able to talk to somebody who after the very long wait, just simply said that they couldnt re issue the card nor extend the expiration. I asked what will happen with the credited amount, she told me that she has no idea. I called and talked with [redacted] and [redacted] and everyone points to CITIBANK PREPAID SERVICES. I was tossed around and have spent so much time and effort but until now, the problem has not been resolved and the amount of $29.42 in the debit card is still with CITIBANK. They just say that I file a complaint against them but no chance that they give back the amount of $29.42 based on their terms and conditions.Desired Settlement: From $29.42 to $1000 after all the time and effort exhausted and all the disappointment and frustrations encountered.

Business

Response:

[redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on February *, 2015 from [redacted] regarding an expired promotional prepaid card issued by Citi Prepaid Services on behalf of [redacted]. As a business that aims to provide a positive cardholder experience, we endeavor to resolve all cardholder issues in a thorough and satisfactory manner.

Upon review, Citi Prepaid Services determined that the promotional prepaid card that [redacted] inquired about was issued on October **, 2014 with an expiration date of January **, 2015. Citi Prepaid Services spoke with the [redacted] on February *, 2015 when she identified that a merchant credit had posted in the month of January, the same as the month of expiration. Our records indicate that [redacted] had called our call center to inquire the status of the merchant refund, which had not been received, prior to the expiration date. As [redacted] was not aware that the refund had posted just days prior to expiration, the account was reissued and a check for $29.42 was mailed to the address on file.

We regret that [redacted] encountered this situation. If the Revdex.com should have any additional questions, please feel free to contact me at the number and information found below.

Sincerely,

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.