Citi

Review: Caller ID ###-###-####. keeps calling me for a [redacted] regarding a [redacted] credit card. I have advised them several times it was a wrong number. Ive requesed several times not to call and now when I call in they Hang up on me or place me on an extended hold. They are calling my Cell phone and it is not only costing me minutes but also time from work due to fact they call all hours of the day. I have gotten as much as 2 messages in the same day.Desired Settlement: These people need to be held accountable for their harrasment. I am a full time bill collector and people like this give my job a bad reputation.

Business

Response:

Dear [redacted]:

We are in receipt of your concerns submitted to the Revdex.com (Revdex.com). We appreciate this opportunity to address your concerns.

Upon receiving your complaint, we searched our accounts for the telephone number that you provided of ###-###-####. We located in our records the account in question that was the reason for the calls. Citibank has recently acquired the [redacted] portfolio. Although we could not locate any call attempts that were initiated by Citi Cards, we have taken precautions to ensure your phone is not dialed in the future for this account. We regret any inconvenience that this issue may have caused you.

In the unlikely event that you should receive a future call, please feel free to notify me directly at ###-###-####.

Sincerely,

Regulatory Complaint Specialist Citibank, N.A.

Review: The end of April 2013 I purchased a lawn mower on a new Sears chanrge. ALmost two months I had not received a statement nor had I received the charge card. I phone Sears billing and was told I had incurred a late fee. How was I to pay on this credit line having not received a statement or a card. I made a payment by phone and the late fee remained on my account. They said the charge card had not been activated and would cancel it and send a new one. I got a statement days later in early June 2013, another a month later. I submitted payment and called to complain about not receiving the second card. Again they said it had not been activated and would cancel it and send anbother. I did not receive the third card and did not get asnother statement until November **, 2013. I called and they said I had a total of three late payment fees. I complained, but they would not remove them. I paid off the credit in full and cancelled the Sears charge.

Product_Or_Service: Lawn Mower

Order_Number: N/A

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

I feel I should be given back the three $35.00 late payment fees I have paid and they should remove any negative entries on my credit history.

Consumer

Response:

I NOT 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:

Revdex.com's message to me states there is a business response to my complaint. I find no response here on your web site.

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

Sincerely,

Business

Response:

Dear [redacted]:

We recently received an inquiry from the Revdex.com of New York regarding the above-referenced Sears MasterCard account, which is issued by Citibank, N.A. We appreciate your patience while we reviewed your concerns.

Our records indicate you opened a Sears MasterCard ending in [redacted] in April 2013. Purchases totaling $228.96 along with an opening credit of $15.00 were billed on the May 2013 statement. A minimum payment of $25.00 was due by June **, 2013. The payment was not received, and a $25.00 late fee and $4.38 interest charge were assessed. The minimum payment due increased to $57.38 with a due date of July **, 2013. You placed a call to Sears Credit Services and made a payment of $60.00 on June **, 2013. The account was transferred to the account ending in [redacted] as you advised you had not received a billing statement or card. Your address on record was verified and a new card was sent on July *, 2013. A minimum payment was due on August **, 2013, in the amount of $25.00. Upon non­ receipt of the payment, a $25.00 late fee was assessed. A payment of $60.00 posted on August **, 2013. Additional late fees of $25.00 and $35.00 were assessed to the account in October and November **, 2013, when the minimum payment was not received by the due dates. A payment was received on November **, 2013, in the amount of

$161.85. The account reflects a zero balance. You spoke with a member of our Customer Service Department and requested the account be closed. Please let this letter confirm that the account was closed on that date.

Respectfully, we are unable to meet your request to update the payment history of the account or remove the late fees as we find the fees valid. We found no returned mail on the account history. We are obligated to report payment history based on factual account data, as required by the Fair Credit Reporting Act (FCRA). The payment history on an account can only be adjusted due to a bank error. Based on the circumstances, we feel the information that reflects on your credit report is valid and it was not a result of a bank error. You may wish to request the credit-reporting agencies place a consumer statement on your credit profile explaining any extenuating circumstances that may have caused the account to become delinquent.

Presidential Communications

Review: Recently I sold my house, and moved 10 hours away to start a new business. With the money I received from the sale of the house I paid off a lot of my personal debt including my CITI card for 3,500.00 on a 4,500.00 credit limit. Without my knowledge or informing me whatsoever, CITI decided to lower my credit limit to 2,000.00 thereby freezing my funding to start my new business as I had planned on using the card to get it going. I explained my situation to them and that my credit score would not be increased until the [redacted] of December being that the pay downs were so recent. CITI declined to raise my limit from 2,000.00 and when asked if I could receive a refund on part of the money that I had paid them I was declined as well. Had I known that CITI would put me in a virtual choke hold in my new career and location, I probably would have kept most or all of my 3,500.00 payment so that I could survive at least until December. After being lied to, call dropped, ignored, and unheard by CITI and it's employees as I was trying to navigate what was happening to me, they have lost a great customer who was planning on starting and running an entire business with them forever.Desired Settlement: I would now like a refund for the difference of what I spent since my 3,500.00 payment was made with CITI, so that I can survive. I will continue to pay the minimum balance monthly in a timely matter.

Business

Response:

Dear [redacted]:

We recently received an inquiry on your behalf from the New York Revdex.com regarding the above-referenced account.

I certainly regret any inconvenience you may have experienced due to our Credit area's decision to decrease your credit limit. However, as stated in your Card Agreement, we may reduce your credit limit at any time for any reason as permitted by law. Part of our periodic review of accounts involves evaluating our card members' 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 delinquent credit obligations. Based on this information, your credit limit was decreased from

$4,500.00 to $2,280.00 on November **, 2013.

We respectfully decline your request to return a portion of your payment. The $3,500.00 payment that was received on November *, 2013 did not create a credit balance on your account and returning it would cause your balance to exceed the credit limit.

I appreciate this opportunity to respond to your Inquiry.

Presidential Communications

Review: Best Buy will not reticfy a problem that is clearly there fault.

I have contacted Best Buy several times with no action.

I contacted them as they have charged us interest on an interest free promotion that we shouldn't have to pay. We have always paid all of them off on time and this current one had $60 left on it and they charged us over $700 in interest. I wouldn't be complaining if it was our error but it wasn't. I have been a best buy credit card holder since 2006 and we have never had any problems until now. In 2013 Best Buy changed their credit service provider 3 times from hsbc to capital one to citi. My wife went to pay our bill since it was due that day and we didn't even know it had changed from capital one to citi. We couldn't log into our account because we didn't have a new card to register the account. So my wife rang best buy and they said a card was in the mail and we should get it soon but they said they couldn't help her coz she was not on the account. They couldn't even accept a payment from her. I was at work like most so I couldn't call. Not sure how they expect people to pay their bills if they don't work!! So we missed the payment all because they couldn't provide the services needed to pay. We received the new card 6 weeks later. Needless to say I am furious. We have been loyal customers for a long time and now we are looking at other places to buy all our electrical appliances. Which is sad for them since we are currently remodeling our rental and we need all new appliances and then we are remodeling our own house. My wive's business will also be needing tv's and camera's etc soon which we will be buying elsewhere if they cannot rectify the issue.Desired Settlement: We would like the interest that they charged us in error to be removed from the account.

Business

Response:

Dear [redacted]:

We are in receipt of your complaint filed on behalf of [redacted], regarding his My Best Buy Credit account, issued by Citibank, N.A.

We regret any inconvenience or difficulty [redacted] may have experienced in regard to his My Best Buy Credit account. Citibank, N.A. acquired the Best Buy credit accounts on September *, 2013. Our records reflect [redacted] account was registered in our Account Online website on September **, 2013 at approximately 12:29 am ET and set for paperless statements. An online payment of $150.00 was made and a confirmation for the payment was sent to an email address of [redacted]. Subsequent payments for $100.00 on October **, 2013 and $176.00 on December **, 2013 were made via the account online website and confirmation sent to that same email address.

We are enclosing copies of the billing statements for September - December 2013. The first Citibank, N.A. billing statement dated September **, 2013 reflects the balance of the 36 month, deferred interest credit promotion as $64.75. The billing statement clearly reflects the promotional expiration date as November *, 2013.

Please note on the billing statements [redacted]'s payment due date is always the [redacted] of each month. Several payments reflect as posting on the [redacted] of the month. Thus, late fees are billed when the required Minimum Payment Due amount is not received by the payment due date, in accordance with the Card Agreement.

In addition, we have only one record of a phone conversation reflected on [redacted]'s account on December **, 2013 and a phone payment was taken for the account in the amount of $176.00 during this contact. All other contact on [redacted]'s account reflect as online contacts.

As a customer accommodation, we have credited [redacted]'s account $793.18 for the deferred and regular interest billed on promotion that expired November *, 2013 that was paid down to $8.95. This credit will be reflected on the January **, 2014 billing statement. This credit, along with his most recent $1,000.00 payment dated January [redacted], 2014 has left the remaining balance for his account at $%2,832.73, as of this writing. This balance is comprised of several different 18 month deferred interest credit promotions.

In the future, should [redacted] want to direct any overage he has paid, greater than the required Minimum Payment Due amount, toward a specific promotional balance he will need to contact our Customer Service Department at [redacted] for assistance. Our TDD number for our hearing impaired customers is [redacted].

We appreciate the opportunity to respond to [redacted]'s concerns and your inquiry.

Sincerely,

Review: see scanned documentDesired Settlement: see scanned document

Review: I received a virtual gift card from a contest win. I set up an account online with a password and username. I forgot both the username and password so I decided to call customer service. I was on the phone and with a Live online chat for over and hour- in the process I talked to 6 different people in different departments and NONE of them could help me. I got bounced around and still have no resolve. I have now lost my gift card and I am beyond angry at this point.Desired Settlement: I would like my gift card- it was for $25. I would like my account cancelled and better training for your employees.

Business

Response:

[redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on May **, 2014 from [redacted] regarding a prepaid 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 indicates she set up a user name and password on-line but had forgotten that information. She also indicates she had an online chat and phone conversation with one of our agents; Citi Prepaid Services does not offer online chat customer service and we have no record of any conversation.

Citi Prepaid Services has recently made three attempts to contact the cardholder at the number provided in the complaint, which is the same number we have on record, to understand her request and assist with online access, leaving messages without a reply each time.

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

[Citi has tried to contact me twice and I called back on Friday the [redacted] and left a message. MY call was not returned. I would like this resolved so I can get my gift card. ]

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

Sincerely,

Review: I bought a computer August [redacted] from [redacted] I put it on a credit card account. The account came due on the [redacted] of September. We drove to the store that day and all of their systems were down and they could not get a payment through when we were going to pay the whole thing off. They told just o come back tomorrow and said they'd waive the late fee. We went back the next day and paid the bill in full. We received a letter telling us we owe $25 in late fees. When we called, they told us they see the credit but it hasn't went through yet and if we don't pay the $25, we will get another late fee.Desired Settlement: I would like for them to waive the late fee and any more late fees that will be incurred.

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,

Business

Response:

Thank you for you communication regarding [redacted]'s [redacted] Platinum MasterCard 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: Years ago, I used to have a Citi credit card.

When [redacted] tried to regulate credit cards companies, Citi wanted to take my rate from 9.24% to 20%+ for no reason. They threaten me and said that if I did not accept the increase, the account would be closed.

I said "Fine - Close it!!!" - YEARS AGO.

A month later, when still making payments for the remaining balance -WITH THE ACCOUNT CLOSED- I discovered they removed ALL my Reward Points! At that time, they were good for 4 nights at a nice hotel...

I fought, but it was no use.

NOW, YEARS LATER, THE STRAW THAT BROKE THE CAMEL'S BACK:

I paid off the remaining balance in June ($101.50), and AFTER 3 MONTHS they say I owe $52.33 !!!!?????

I accessed the account online to discover "MINIMUM INTEREST CHARGEs" of $0.50 (???????? for what??????), and LATE PAYMENTS I guess because I did not pay those "MINIMUM INTEREST CHARGEs"...?

PLEASE - If I have to pay 52.33 I'll be more than happy to give that to ANY CHARITY - not to them.

Sorry, but I'm terribly upset!

Thanks,

[redacted].Desired Settlement: I should pay ZERO. (I tell them to be happy I did not file a complain when they removed ALL MY THANK YOU POINTS WORTH $400!!!!!!!!)

Business

Response:

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

Review: I went to our local [redacted] store on 06/**/14 and purchased 2 tools for my husband. Cashier said that if I used my [redacted] master card I could save 5%, so I did. The bill came in the mail and I paid the bill on line through my credit union. Apparently I paid on my husband's card number. The next bill came in August with the amount owed plus $25 interest added on. In the meantime, they did not refund my money that was paid on my husband's account. His August statement showed $30.19 credit and my continued to add up with interest payments. I called and explained the situation to [redacted] Credit Cards and they told me that they would take care of it and clear my account with a $0.00 balance. Then my Sept statement came with the additional interest added on with a collection statement. My husband's Sept statement was still showing $0.00 balance with the $30.19 payment. I called the collection agency on Saturday Sept [redacted] and explained the situation and they told me that they could only take the 2 $35 interest fees off and I still owed $25. I told them that it was not right since I really paid my bill and that I was filing a complaint with your agency and they discouraged me in certain words and told me that I still needed to pay the $25 and it I didn't, interest would still continued to add up. I am very upset with this whole situation. I know that it was my mistake in the first place to pay on the wrong acct, but all I want is my balance and my husband's balance cleared. I guess I will have to make the $25 payment until I hear from your agency and so that I don't continue to have interest added.

Product_Or_Service: Screw out bolt kitsDesired Settlement: DesiredSettlementID: Other (requires explanation)

The amount for the $25 that I feel as though I do not owe them and for [redacted] to not send me anymore information for any type of credit cards. I am done with their store.

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: On Friday September [redacted] 2014 my postal uniform allowance was to be available through citi bank. I was told that I had to wait 24 hours from this date for the balance to be available. I was then told that I still had a remaining balance of $19.51 from the previous balance. I was told by the representive that I had to use the balance by midnight that day or else the balance would be lost. they failed to inform me that it was actually too late to use the balance. I placed a small order through them to use the rest of the previous years allowance and the representive failed to inform me that they would not honor the remaining balance. When I went to use my new allowance of $390 when it was available they informed me that there was already a transaction being deducted from my new balance for the $19.81 from the day before. When I tried to get a [redacted] to try and clarify and possibly correct the situation they had told me that it was my fault and refused to try and help. They told me that they were not at fault and that they wouldn't do anything to correct the situation.Desired Settlement: I would like for them to properly handle the situation and for them to take responsibility for their mistakes and not brush their customers off

Business

Response:

[redacted]

To whom it may concern;

We have diligently searched our records and have been unable to locate a Citi Prepaid Card for this customer. We have called the provided contact number three different occassions, leaving a message each time. Until we receive a call back from [redacted] we are unable to assist.

We feel that this is not a Citi Prepaid Card product.

Please advise if additonal actions are needed on our part.

Regards,

Review: Yesterday I received a promotional offer to apply via a preferred link to Citi Thankyou card. The offer said I was preferred and it asked me to go to a specific link which was [redacted] Also gave me an invitation number of [redacted] something 4, I can't read it now because I tore it up. I did not solicit them, they solicited me with an invitation number and said I was preferred. I applied via the link they provided in the documentation.

I applied and they declined me thus leaving me with a hard credit hit on my account for no reason. I am furious. This was completely misleading, almost a fishing attempt. I keep track of my credit. Basically what they did is solicit me, make me believe I was a preferred customer to get me to apply, then I applied and they denied me and left me with an un necessary credit hit on my credit report.Desired Settlement: Remove their hard credit hit from my credit report

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.

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:

They said they would not remove the hard credit hit because I applied on my own. I only applied because they lead me to believe I was pre approved by their mis-leading wording on the letter for this card. I wouldn't have otherwise applied not knowing and put a hard credit hit on my credit report. This is un acceptable and i'm sure many people have been scammed into believing the same thing.

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 the customer as Citi has not received authorization from the customer to release information to your office.

Review: I filed Bankruptcy Chapter 7, Case# [redacted], on September [redacted],2014.

I included this account ([redacted]) in my Bankruptcy.

[redacted] ,Citi, Was notified by the United States Bankruptcy Court, Eastern Texas Division, on September [redacted],2014.

They were also notified, that they my update any and all of my accounts that they report, to all credit bureas with the correct information of such filing.

[redacted] ,Citi, sold this account to a collection company named [redacted].

[redacted] was also served with my bankruptcy information. [redacted] is reporting the correct status of my bankruptcy information.

I contacted Citi, reguarding that they are reporting a paid charge off in the amount of $1269.00 to all three credit bureaus,

which violates my rights under the FCRA guidlines, as to how a creditor is ordered by the court reporting on an account that is in Bankruptcy status.

The Citi respresentative I spoke with , stated that they no longer own the account, and refuse to update my credit reports with current information.

The collection company is not reporting on my credit reports. [redacted] ,Citi is the original creditor.Desired Settlement: [redacted] ,Citi must abide by the laws of the United Bancruptcy court pertaining to accurate reporting of information that is Included in Bankruptcy. I demand, that they either update the tradeline to the correct status, or delete it entirely off all three of my credit reports. If they continue to report this information, I will file file a lawsuit against them for a intentional violation of inaccurate credit reporting,and contempt of Court, plus all my attorney costs, and damages.

I expect prompt attention to this matter, and it's outcome.

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.

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: Dear Sir/ Madam,I have a CITI DIVIDEND Credit Card (Credit Card thereafter) and I enrolled my Credit Card for the cashback program already.I kept shopping with this Credit Card and earned accrued cashback dollars for a total amount of $47.82 in 2014 before I suddenly found all that money disappeared without any necessary information in November, 2014.Then I called Citi Dividend Credit Card service at phone # ###-###-####.I was totally surprised by the talk with the representative in terms of my missing $47.82. I was told that my $47.82 was forfeited by Citi Dividend Credit Card Company WITHOUT any due notice even after that money was taken away anonymously. The rationale for them is that they will forfeit any unused cashback balance less than $50 if one had no purchase activity for 12 months. Even the balance is so close to $50, and I am sure a timely notice will remind me to earn extra cashback to exceed the limit before my money was lost.I told the representative that how rare it was for a common customer to know that kind of hidden clause, and he showed me his sympathy by telling me that even he himself thought it shouldn't happen. So, he left a note in my credit card account to help me get my cashback money refunded. Unfortunatley, I received a letter on Nov. [redacted], 2014, and was told that my money could not be refunded as I did not have purchase activity for 12 months with that card.Unfortunately, they just took it without any due notification and even left no hint if you were unlucky to know that you once had the accrued money.Here I just want my lost money $47.82 back as it should not be taken away before a timely notice sent to me to remind that upcoming situation. And that really made me feel that someone just wanted to take away your money so they dislike to let you know it even after they succeeded.Thanks!

Product_Or_Service: Citi Dividend Credit Card Cashback

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I want a full refund for the amount of $47.82 as it was just taken away without any due notification to set up a reasonable reminder to common customer.

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.

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]

Let’s review the response received from the business whose name is Citi “We will be corresponding directly with the customer as Citi has not received authorizationfrom the customer to release information to your office." I received this response on Nov.**, 2014. First, I have questions about their such a short response to Revdex.com in terms of handling Citi customer’s concerns. After elevatingthis complaint to Revdex.com, I think I already authorized Revdex.com by acquiescence as the mediator in light of this dispute which failed to get satisfying resolutionfrom Citi Dividend Card customer service at [redacted]. Yet nonetheless, anytime, Citi Dividend Card could ask for my authorization directly as they stated they would BE CORRESPONDING DIRECTLY, so that they could defend their unacceptable action against Revdex.com’s mediation. Unfortunately, I am still bewildered by the fact that they already CORRESPONDED with me DIRECTLY. I received a call fromCity Dividend Card Customer Service at # ###-###-#### in [redacted] on NOV **, 2014. I was NEVER asked anything in regard to the authorization to releaserequisite information to Revdex.com, the mediator, to get the complaint solved properly and timely under duly mediation. Now everyone can see the obvious self-contradiction in their response to Revdex.com. Why Citi responded to Revdex.com on Nov.**, 2014 by insisting that Citi WOULD BE CORRESPONDING DIRECTLY with the customer as they already DID it NINE DAYS earlier? Why didn’t they require thecustomer authorization at that time? Did they intend to evade Revdex.com’S mediation with the so-called lack of authorization from the customer? The possible speculation might be that they intentionally and knowingly brought up the Customer Authorization issue to Revdex.com tofend off mediation publicly without the knowledge of the customer at that time. Meanwhile, they willfully or negligently ignored to notify customer regardingthe formality of authorization during the correspondence with customer and then disabled the mediation or drag it out with the ungrounded and misleading statement to Revdex.com. Secondly, let’s move on to the actual correspondence with Citi Dividend Credit Card Customer Service in [redacted].On Nov. **, 2014, I received a phone call whose number was ###-###-#### from S.D., and a lady of Citi Dividend Card talked to me. She just mechanically repeated what stated on the decision letter they sent to me earlier on Nov. [redacted], nothing mentioned in terms of the authorization to release the requisiteinformation to Revdex.com to better solve this dispute. Then, for the first time I knew that the so-called expiration date for my $47.82 online shopping cashbackbalance was Sept. **, 2014 which meant I almost immediately called them about the untraceable loss of account balance. You know, never could I have any clue in light of WHEN the unilateral expiration date would be before I could take any action to prevent the loss. I am not new to a variety of cashback programs at all, but that was the first and only time I knew that an expiration date was set up without any duly notice BEFORE and AFTER that account balance was taking away which is completely untraceable. One would never know the withholding if he had no luck to know about the existence of that balance.I clearly told that lady, provided the duly notice was there already, I would just need to make few purchase to save my cashback balance before the so-called expiration date as my balance was $47.82, pretty close to their limit of $50 to cash in my balance. What totally shockedme was the response from that lady. She told me indifferently that $47 or $50 meantthe same to her. That just showed arrogance and ignorance about customer concerns. I kept asking her just one simple question whether she would feel it okayif someone took $47 out of her salary as she showed me her indifference and poor understanding about the quality of customer service. She kept silent. Now we can deduct her rationale easily: It’s worthless if it is the $47 is customer’s money, whereas, once being possessedby them, then, it DOES matter and NO REFUND even though it’s their negligence and fault.Also, I am really skeptical about that representative’s capacity for customer service as she could not even know theso-call $50 limit to honor the balance of cashback by stating that $47 or $50meant same to her. The poor knowledge about customer service really indicated whyshe could only mechanically repeated what was written on the letter sent to me earlier. Maybe that explained why Citi responded to Revdex.com that they “will be corresponding directly with the customer” as that unprofessionalof customer service led to error/negligence on the update of correspondence with customer. Whatever, it is not hard to imagine the big mess of customerservice just based upon the complaint handling this time. Then she added by admitting that it’s importantto make future improvement on notifying customers like me about the expirationdate of cashback balance. Then I asked in vain about the refund for my losswhich was the outcome of their negligent inaction. So I told her I would keep thiscase open. After that, no one contacted me any more before I knew they claimWOULD DIRECTLY All in all, it is not hard to understand whyeven that short a response to Revdex.com was full of ungrounded statement andmisleading information. No wonder they took away customer’s money with NO necessaryinformation BEFORE and AFTER that action. I think Now Revdex.com and all the readersof this complaint could have own preliminary judgment already on the quality ofCity Dividend Card Customer Service. My decision is thatI still want a full refund for my loss of $47.82 regardless of themisleading message they sent to Revdex.com. The response from Citi Dividend CardCustomer Service did not truly describe their role in negligently failing toget the authorization from customer to release the requisite information forthe mediation by Revdex.com. They could not impute the customer about their own negligence. Therefore, the complaint could NOT be solved by so-called direct correspondence withcustomer WITHOUT appropriate mediation from Revdex.com or other authorities.

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

Sincerely,

Business

Response:

We responded to the customer on 11/**/14, 12/*/14 and 12/**/14. 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 have determined that my complaint has NOT been resolved because:

[Your Answer Here]

Not surprised at all for such a shortresponse to NY Revdex.com and customer like before. “they can provide a copy of our response tothe Revdex.com” ---- Is it [redacted] or anyone else from Dividend Cardmade that response to NY Revdex.com? It apparently contradicts with the so-called “POLICY”I was told by [redacted] on 12/**/14 that they would “not correspond with Revdex.com”. Sheeven refused to correspond with Revdex.com after I told her that I could send her awritten authorization which she requested on 11/**/14 (See her prior response please). If so, was [redacted] misguiding customer negligentlyor intentionally on 12/**/14? But nonetheless, why did they assign such anincompetent staff to call customer again and again without basic knowledgetowards due policy? Is [redacted] the only person handling related issue?Now, I am NOT surprised AT ALL at losing my cashbackmoney $47.82 after reading so many self-contradictory and unaccountableresponses. Thanks to them for letting me have insight into the actual customerservice quality. My next decision will be termination of the Dividend Card. I do not know why [redacted] called me again on12/**/14. As everyone can see, I already rejected new response from [redacted] asshe failed to show competence and credibility. She just challenged her own statements toRevdex.com and customer for times. May I guessthat [redacted] even did not read my last response carefully before she called meagain on 12/**/14? Actually, I am used to that already. Let’s move on to my claim: 1. I still want a FULL REFUND for my $47.82 Dividend Card cashback. [redacted] told me for times that their work needed improvement in the future, so, why not take actionto show customer THE IMPROVEMENT immediately if she will not deny it in the next response. 2. I will reject response from [redacted] after she failed to convine me her competence andcredibility. A new representative/supervisor of Dividend Card in New York to oversee theprocessing of the complaint will be great helpful as it’s unlikely that [redacted]is the only available person to handle this complaint for Dividend Card. 3. Can Dividend Card find staff for Customer Service in New York to further duly response? I am still confused why [redacted] in [redacted] accountable for this complaint as that is not within thejurisdiction of New York Revdex.com. Initially, I resorted to Revdex.com whose Jurisdiction consists of Business in [redacted]. But now it’s so confusing that I am still receiving responses from [redacted],not NEW YORK CITY. AGAIN, I am NOT surprised AT ALL at losing my cashbackmoney $47.82 after reading so many self-contradictory and unaccountableresponses. Thanks to them for letting me have insight into the actual customerservice quality. Termination of this card and its related service will be mynext and best decision after this complaint.

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

Sincerely,

Review: Citibank has been harassing me constantly because I cannot meet their minimum payment. They call after hours including weekends.

I simply want them to stop calling me.Desired Settlement: n/a

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: I have a account with Brand Source through Urner's Appliance.I have had multipl purchases with no interest. The first was 36 month interest free in which I am still paying. The second and third purchase has been for 6 months interest free. For both the second and third purchase Brand Source has not been applying additonal payments to the 6 month promotion since it expires first. I have called every month since 2013 to have this corrected. Last two months I have made total payments of 276.00 over the minimum to be applied to the promotion expiring in Dec 2014 and none of the payments have been allocated to the correct promotion. They continue to allocate the money to the 36 month plan. This is fraudulent and they are not giving me any opporutnity to pay off my purchase before th 6 months expires. They told me numerous times they can not allocate the money to each promotion separately. I asked them why and they tell me this is how their system works. I refuse to pay any interest once the promotion is over because I have made all payments in a timely manner to pay the promotion off. Their business practices are simply not allowing it. The expiring promotion should be paid first before the other. This is an illegal and fraudulent practice!

Product_Or_Service: matress

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

I want my payments allocated correctly every month. I have spent hours on the phone since 2013 to have this resolved. Today I was on hold for 30 minutes while they spoke to an account specialist as they do every time.

Business

Response:

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

Review: I have attempted in good faith and diligence to resolve what [redacted] and Citi Bank report as a credit card and balance of $500, as my financial responsibility. I have called all numbers supplied to me by Citi Bank, [redacted] and assigned collection agencies and am repeatedly informed that I need to pay this, what I feel is a fraudulent debt. Furthermore, Ive informed said parties that I have a [redacted] credit card ending in [redacted] with $7000 limit that I have at times charge several hundreds to thousands on, also paying card off several times over the past 10+ years . Therefor there would be no reason to, nor have I, obtained an additional [redacted] credit card account. I have asked numerous time over past several months for this fraudulent account and $500 balance to be turned over to appropriate fraud investigation yet have not receive any notification or proof of an investigation or findings that actually link this account and debt to me. I am asking for your assistance in this matter as I will continue to escalate this until an appropriate outcome is achieved.Desired Settlement: DesiredSettlementID: Other (requires explanation)

Remove fraudulent account from my credit report also removing it from my financial obligation.

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 [redacted] within the next 7-10 business days.

Review: I opened a Home Depot consumer credit card (serviced by Citibank) in August 2000. I never had a single late payment and spent many thousands of dollars in purchases. In September 2010, my husband was preparing to return home from deployment in Iraq and I had to move across the country for his military assignment. Although I submitted a change of address, I didn't receive a billing statement that month and I had limited internet access as I was traveling across the country in an RV. I made a payment (late) and called customer service immediately upon discovering the mistake. The customer service representative was kind and offered to remove the late fee and reassured me that the late payment would not effect my credit. The late payment was reported to the credit bureaus and, because I am a dependent spouse and my husband (the service member) was only a co-signer on the account, I was told that any rights under the SSCRA would not apply and that my excellent credit history did not matter. As a result, I have repeatedly been denied credit over the last 4 years. The only blemish on my credit report is a single late payment in the 11 years I had my Home Depot credit card. Despite repeated attempts to call customer service, the late payment was never reversed as promised. I have been trying for 4 years to get this resolved.Desired Settlement: Removal of the late payment (Sept. 2010) on my Home Depot consumer credit card.

Business

Response:

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

Consumer

Response:

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

The business has not contacted me.

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

Sincerely,

Business

Response:

We responded to the customer on 2/**/15 and 2/**/15. The customer should allow 7-10 days to receive our written response. If the customer would like to share this information they can provide a copy of our response to the Revdex.com.

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 is still not willing to honor the commitment that the original customer service representative made in Sept. 2010.

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

Sincerely,

Review: UNAUTHORIZED CHARGE OF $1,495 TO MY ACCOUNT BY UNLICENSED/FRAUDULENT COMPANY

Company put charge of $1,495 from [redacted] (an unlicensed company) onto my account (#[redacted]) without my authorization. Communication from the FL Attorney General's Office ([redacted]) advised that [redacted] is a fraudulent company and that "your credit card company should be contacted to have this charge removed." [redacted] has been contacted TWICE by myself via "snail mail" describing my problem and has failed to resolve this illegal transaction.Desired Settlement: Total and complete removal of the unauthorized charge from my account, along with any and all accrued interest and related penalties from this unauthorized charge.

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.

Consumer

Response:

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

I am rejecting the business's response because I sent them multiple letters, and their trying to say that I didn't contact them till 8/2013. I originally called them 9 months later when I received the call from the Attorney Generals Office of [redacted], located in Florida. Her office is the one who told me to contact my credit card company telling them that they need to reimburse me of the money that was fraudulently taken. I called the business to tell them that, and they told me they would look into it. After some time went by, I didn't hear from them so I called them back, and at that point they told me I had to send a letter in writing, for which I did. Then they said I had to go thru the fraud dept. which I did, and then it went back and forth from the fraud dept., to the billing dept. Then they sent me a letter telling me that they couldn't help me, because I may have given the fraudulent company permission. Which I did not give the fraudulent company permission. I told the business that I've sent multiple letters and keep getting the runaround. Then they told me it went back to billing and the specialist would look into it. I'm still waiting for them to reimburse me.

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:

I am not supposed to be responsible for fraudulent charges. I keep telling them that [redacted] never helped us. Once we found out how much they wanted to charge, we told them to forget it. But somehow they got my credit card account number and charged my account without my authorization. I also told them that the attorney's office of [redacted] located in Florida, they told us to contact our credit card company to be reimbursed of the fraudulent charge. They also told us that [redacted] was an unlicensed company and would be prosecuted to the full extent of the law. I want to be reimbursed the $1,495.00 plus compensation of the grief and agony I've been put through.

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: Innapropiate charges on my credit card and bad customer services.

I went on vacation to [redacted] with my wife to visit her son and we went to [redacted] located by[redacted] mall. My wife was buying 2 3pcs bed set and when we went to pay the cashier ([redacted]) told us if we apply for the [redacted] master card he will give us $15 discount on the merchandise. we told he we already have a [redacted] card but he continue insisting in opening a [redacted] master card, we also told him we live in [redacted] but he told us to opened with my step son address: which was [redacted]. He said to both of us to open the card and I asked him if we can use both discounts he said yes and he putted the 2 conforters set in my wife account and give us the 2 $15 discounts and we put it and on my wife card and made a payment for the same amount in cash. Few months later I received a statement with a charge for $15 don't know why. My step son call the card services department but they couldn't help us because she said have to be handle by the resolution department. I decided to make the payment even when was not right since the cashier made the mistake and few weeks latter when I was in [redacted] I went to [redacted] and they told me I have late charges and my card was close and also that they will report on my credit. I been with [redacted] for long time and I always pay ontime. I want this to be resolve and credit any charges back to my account and fix any issue they put on my credit report because of this mistake made by [redacted]. I had never use my card so I do not know with I owe the $15 and the fees.Desired Settlement: please to refund the fix, fix my credit report if you reported and refund the $15 dollars

Business

Response:

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

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] [redacted] and Citi they haven't resolved my issue yet.

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: Invitation received in the mail for 0% for 18 months and on-line application did not allow invitation # to be entered. When they were called I was told to wait till the card arrived then I would need to call again and fax over original offer.Desired Settlement: The website should be changed so this issue is not an on going issue to others.

Personally I like a letter apologizing for wasting my time with the offer then the bait and switch practice when applying on line.

They should have been able to fix this when I called today to tell them the website did not offer the same thing.

Business

Response:

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

Consumer

Response:

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

The website is still not changed.

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.