Citi

Review: I look at my bill for my credit card and notice a charge of 18.12 for debt protection which I did not sign up for . I call ###-###-#### for more information. they say it was bill every month for debt protection from 2008 to the present. I did not sign up for this protection and we like to know who sign me up and I will like to get my money back.Desired Settlement: Get all my money back from the fee.

Business

Response:

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

Review: Citibank offered a promotion with 3 conditions. I set it up at their bank branch, completed the conditions and waited for a suggested time period by the representative for the promised credit(airline mileage) that was just before a service charge would begin to apply.I went to the branch and asked for explanation. They would not return a call; a person who was supposed to meet me would not appear, and more than a week later, I received a letter indicating that I did not meet one of the conditions (but they'd extend the offer). I was not convinced, but the additional requirement did not seem to amount a lot, so I did complete the requirement of spending $327.05 told by the customer service. He suggested to call different Citibank number to make sure of what qualifies a valid purchase.A few days later, I called to make sure of the condition. At that point (I already used the card a few times) I was assured to spend about $180. She said she'd issue another letter.The second letter stated that I did not meet the second condition which has never been an issue. I called the listed number and complained. They admitted that it was not an issue. By then, I finished spending the $180.However, on the following day, they sent another letter stating that I do not meet the spending amount. I called back the listed number again, and they now tell me that I need to spend $388.33.They further said that I'll get the promotion 90 days after I finish the amount, which will incur 3-4 service charges to hold the account, something the bank representative told me that I could do without.Desired Settlement: I want the promotion they promised 30,000 American Airlines mileages.I'd like a refund for all the monthly account service charges ($30/mo) that incurred due to their prolonged deceptive operations.

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]. The business contacted me directly and provided me a satisfactory resolution. Accordingly, I can consider that the matter has been resolved. Thank you for your work.

Sincerely,

Review: A fraudulent charge of 1225 was place on my Citi Bank card by a company called [redacted]. They were supposed to provide safe storage of antique furniture which they did not. I contacted Citibank when I saw the fraudulent charge on my card. They issued me a temporary credit. I provided them all the documentation they requested. Then 1 month later I got another credit card statement from them then that charged me again for the $1225 plus a $20 fee and a $24.39 interest charge. I am in the middle of refinancing my mortgage and I want to make sure this mistake by Citibank does not negatively impact my credit and cause me to not be able to refinance my mortgage. I read the credit agreement that governs my card and Citibank is supposed to investigate my claim and contact the merchant. They have done neither.Desired Settlement: I want the credit put back on my account, finance charges and fees reversed and my stellar credit rating in tact.

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]All they said was that I have not authorized Citi Bank to release information to your office. I specifically authorized them to talk to you because they are charging me for a service I never received . Please call them and help me.

Sincerely,

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

Sincerely,

Business

Response:

We previously responded to the customer on October * and October **, 2014. The decision made is final.

Review: We had some remodeling done on our home in Spring 2014. After going to [redacted] to look at materials and purchase a new dryer we were approached about getting a [redacted] credit card with 18 months no interest financing. After hesitation we decided to get the card since we were planning a remodel. We decided against a bank loan with interest since we were being offered 18mos no interest. In July of 2014 I noticed I was accruing interest on our ** card so I called customer serv. After speaking to a gentlemen he credited some of the purchases and said that only purchases made within the first 3 months of opening the card were covered on the 18mo no interest. Being that most of our purchases were complete with close to a $5000 balance I compromised and was ok with that as long as the $5000 was no interest for 18mos, and he agreed that it was. Since that conversation I continue to get statements with accruing interest. I called customer serv. again and they said that the information that the previous gentlemen gave me was incorrect, that promotions can change daily based on when I made the purchase (NOT the story I got when I signed up for the card or on my first call with customer service-have never been told that information). After explaining my previous conversation (IN DETAIL) several times I was told that there was absolutely nothing they could do! I asked to have phone records pulled and was told they could but its unlikely they still had them from July...convenient. I am extremely upset with [redacted] and unless they fix this I will never shop there again and have already spoken to two family members that have business accounts with them that I help regularly and they will no longer use them either unless they make it right. I often help these contractors with decorating and final touches of a renovation completion (for sale) and will go elsewhere for the business.

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

I would like any/all interest charged to my card to be credited back and for my balance (currently $4940.52-this includes the interest already charged) and to be interest free for 18months like I was offered to begin with (twice).

Business

Response:

This is a duplicate request from our customer. We previously sent a resolution letter to our customer on April *, 2015. Our customer needs to allow time to receive resolution letter. 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 find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: In Sept of 2014 I was attempting to pay off my balance in full. Making payments in 8/** & 9/** that would accomplish this. Unfortunately I had not considered that would still incur a interest charge. The following month 10/** I checked my account and had a interest charge of $31.71, seen the charge paid it in full again. I made the payment 2 days late, and was charged a late fee. And have been getting charged late fees since 10/**. I've been a member since 2005 never missed a payment never late on a payment. I did not receive any communication from CITI in all this time, informing me of this situation. I just happen to check my account on 2/**/15, seeing that my balance had incurred $168 in late fees. I called CITI explaining the matter, with no luck. Again I paid balance in full on 2/**/2015. On 2/**/2015 I checked my CITI account to see a credit of $163.00. Thinking that I would receive a refund. On 2/**/2015 I checked my account to see on 2/**/2015 a REV SMALL BALANCE FEE ADJUSTMENT of ($163). Again I called to get an explanation and was informed that the credit was reversed. That only $37 would be refunded to me.Desired Settlement: I request that the full amount in accumulated late fees be refunded to my checking account $168.

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 because:

[Your Answer Here]I have not received any correspondence regarding this matter. I did see a credit of $37 to my account, which leaves about $130 in late fees that have not been refunded.

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

Sincerely,

Consumer

Response:

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

[Your Answer Here]

Of the $168 I paid in late fee's I was refunded $37. They contest that I was informed of situation, I was not. Its ridicules to insinuate that I just did nothing knowing that these late fees where accumulating. When 4 months earlier I made payments to pay off account in full. Lesson learned,

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

Sincerely,

Business

Response:

We recently replied to the customer’s inquiry and because no new information was contained in his most recent inquiry via the Revdex.com, we consider the matter resolved.

Review: Citibank has called or made contact with me on unauthorized numbers. Numbers of which I never rendered in order for them to contact me. I would like to seek corrective action!! I spoke with a customer service representative named [redacted] who said that the numbers are in fact on my account however, I never authorized Citibank to use these numbers. I am not sure what kind of practices they used to acquire the additional numbers and I feel that my privacy has been jeopardized.Desired Settlement: DesiredSettlementID: Other (requires explanation)

For Citibank to stop using unauthorized numbers to contact me regarding my account. They have all of the necessary information I have given to them to contact me. I would like for them to cease and decist.

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 I will wait on Citibank to respond with a resolution regarding their FCC violation. Sincerely, [redacted]

Review: Hello

[redacted] was formerly servicing my [redacted] credit card. I mailed a check in before the due date and I the company has reported it to be a late payment. I have never missed a payment with them. Not only are they reporting an incorrect late payment but they are reporting it on different months for different bureaus. They are claiming to [redacted] that I was 30 days late in August in 2013. They are claiming to [redacted] and [redacted] that I was 30 days late in June of 2013. I am trying to purchase my first home for my family and this error and their refusal to correct it is getting in the way of my families well being. I have disputed with the [redacted] and they have refused to correct their mistake.Complaint concerns: a Credit CardDesired Settlement: I would like for them to update my report and remove the 30 days late marks for all three bureaus.

Business

Response:

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

The response given by the company is the same response I have gotten everytime. They give a vague response and take no responsibility for damaging my credit. The customer service is absolutely terrible. I cant accept that answer from the company. I need more of a response than that. I have been given no phone number or any way of getting I touch with them.

[Your Answer Here]

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

Sincerely,

Business

Response:

We received complaint number [redacted] on 03/**/15 and mailed our customer a resolution letter on 3/**/15. Our customer needs to allow 7-10 days to receive resolution letter.

Review: I'd like to have my home address removed from their marketing material list:

I have directly requested that the company remove my contact info, but they have ignored my request.Desired Settlement: For Citi to stop sending junk mail to:

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 because:

[redacted] and I have spoken. She is saying that they do not have my contact info in any of their mailing lists, and that this may be a third party like [redacted] that is mailing us. I have called her back to tell her that this is incorrect. we are receiving marketing info directly from Citi, and it continues to come on a monthly basis despite having requested directly do them to be removed and now requesting again with the help of Revdex.com.Again, I would like to have Citi stop mailing me and my wife. we are not interested in their products, and would like to be removed from their mailing list.

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

Sincerely,

Business

Response:

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

Consumer

Response:

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

Sincerely,

Review: My family has been experiencing a financial hardship which I informed Citi about after payments were hard to make. I had sent numerous letters to various Citi addresses, called customer service (who only told me they could help me set up a payment to the account not help with any resolution to my problem, and even attempted to contact Citi via their chat function to help resolve this, but NO ONE could offer any assistance at all and refused to contact any supervisors. Recently, I was informed that the account was close to charging off but I was contacted by 2 of your employees (I will disclose names and extensions once I finally receive correspondence from Citi) to contact them to discuss options that were available that could work for both parties. I contacted these two individuals MULTIPLE times and left voice messages as instructed by them when they left me messages. I just found out the other day that the account has since charged off which is absolutely unprofessional since I followed all of your directions to try and keep this from happening. I have copies of the letters sent and will be happy to provide proof of my willingness to work with Citi, but no one ever even approached me to work with me.Desired Settlement: I have a few things I want to happen:

Do not report any negative information to credit bureaus until this is resolved.

Contact me via email (as I work weird crazy hours (24 hour shifts followed by 12s)) and I will provide the letters I sent to show my offers on what I could afford to pay

I want to keep this from going into collections as this is all on Citi because I followed their instructions and made numerous attempts to get it resolved.

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?

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: after contacting the Revdex.com [redacted] Citi bank credit was able to provide me with the long overdue statements that I requested back in July 2014. I received the statements mid-November 2014. I was able to review the charges and determined on an amount owed. I received a bill from [redacted] citibank card today, 12/**/2014, detailing a balance remaining, an amount due and the payment due date of 1/**/15. I called today to make a payment but [redacted] (lady who responded) refused to take a payment because my account was sent to collections. I asked how could it be sent to collections if I received a bill today dated with charges on 12/** and due in january. I asked her how come I didnt receive a notification that my account was sent to collections and she could not provide me that info. I was then given a number ###-###-#### to discuss those details. I spoke to [redacted] who also refused to accet payment and told me to wrte a letter instead and fax over to dispute any charges. No information was provided on why I was sent a bill with no notification on my account being closed. That is was "handled by the system" and he couldnt provide me with any additional information. Citibank's practices are illegal because they refuse to notify the consumers and accumulate bogus late fees charges. before notifying the Revdex.com in regards to this, the last time I received a bill from them was in April 2014. In July I was told I would receive the statements but nothing.Desired Settlement: I will pay [redacted] CItibank what I owe which is $187 with two late fees (November and December) included. After I make this payment I dont want any notifications or calls from [redacted]/Citibank ever! I will pay what I owe, I refuse to pay bogus charges (late fees) accumulated since July due to their neglect with provididng me with statements

Business

Response:

Good Day All, We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him/her directly? Regards,[redacted]Executive Response Unit

Consumer

Response:

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

Citi has failed to contact me. Only the collector has contacted me several times to get payment for the full amount. Citi doesn't let me pay online because my account has been disconnected since April 2014. My account was sent to collection in December although I was sent a statement with a due date of January. They denied my payment twice because my account was sent to collections.

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

Sincerely,

Business

Response:

Good Day All, We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him/her directly? Regards,[redacted]Executive Response Unit

Review: I have been wrongfully charged interest and fees for the past 11 months on a store card from the Home Depot. The [redacted] took full responsibility of wrong doing by an uninformed employee and has been "trying" to correct the mistake for the past 5 months. I am not happy with his urgency to fix this issue and have given him ample opportunity and leeway to get this resolved, but he has not come up with a solution. He recently has become hard to get in contact with and refuses to return numerous phone calls from my husband and I, which makes us feel less and less that this issue is getting resolved and getting the proper attention.

Product_Or_Service: Decking Material

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

Credit all the fees and charges, IMMEDIATELY.

Business

Response:

We previously received a response from the Revdex.com of Atlanta #[redacted]. We responded to [redacted] by mail on August **, 2014. [redacted] needs to allow time to receive the resolution letter previously sent.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that the matter has been resolved 8 months later and after I showed an extreme amount of patience in trying to resolve the matter. I hope the Revdex.com has started or continued a file on the Home Depot/Citigroup to keep track of the poor customer service, poor resolution time, and predatory/poor credit practices.

Sincerely,

Review: citibank without any noticed closed one of my credit cards which was in good standing due to inactivity. I have another credit card with them which I have been using because it offers points. I called and told them this will adversely affect my FICO score which is currently 846 and they said they realize that but it is not their policy to inform their customers of this action. I called the credit bureau and there is nothing they can do except tell me yes it will affect my score. This was so unfair of Citibank to do this and just when I was purchasing a new car.

Is there any thing that can be done about this?Desired Settlement: I want citibank to reinstate my credit card so my FICO score is not affected.

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 was offered to have the first year membership fee waived and now they will not honor the offer.Desired Settlement: I want the membership fee waived as offered.

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: 2 years ago in november 2012 I purchased a roof from ** the big enticement was 24 months no interest charge as their price was a bit hitherto my surprise I received a bill advising me I would be charged 25.99% a year for a total of 21000 dollars in interest on a bill for 33000 dollars.I attempted to contact [redacted] and they basically said thats what you signed up for.My initial contract had no indication of this charged while the bills I received indicated deferred interest of which I understood as deferred but showing what a great deal I received.I literally spent 1hour with a representative from the [redacted] explaining I was never notified when I agreed to this.He agreed to make an adjustment of 13000 plus dollars but demanded on a [redacted] I must pay it today or the offer expires.I subsequently paid the balance attempting to avoid these ridiculous interest charges which should be illegalThey advised me on my november 2014 bill in very small print I was advised of the amount due how could I dispute this am I supposed to make them remove a roof from my home after 2 years so I paid the interest hoping to resolve this and stop the interest clock.

Product_Or_Service: Home Roof

Order_Number: same

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I want full interest refunded on the purchase I paid excluding the one month I was responsible for after the contract maturity

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: We were charged a deferred interest charge that we should not have been charged.

In July 2014 we purchased tires and rims and used the [redacted] credit card. To our surprise come February 2015, we were slapped with deferred interest charge of $346.12. We were not aware that this purchase was a deferred interest purchase. It was not noted on the receipt nor was it noted in any of the emails that were sent to me regarding the payment due. I think that if there was a deferred interest promotion, the employees should indicate that at the time of purchase and it should be in the emails that are sent regarding the account. I had no idea that statements were in PDF format on the account website, I was told that the emails were the statements. I believe that I should be credited this amount as we were misinformed. Account number ending [redacted]Desired Settlement: A refund on our account in the amount of $346.12

Business

Response:

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

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 received no response from them via email like indicated in their response. Issue still has not been resolved or even addressed. No credit has been made to my account.

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

Sincerely,

[redacted] And [redacted]

Business

Response:

A resolution letter was sent via [redacted]l on 5/**/2015. Please allow 7-10 business days to receive our correspondence.

Review: I just recently received a bunch of statements sent by UCB.For some strange reason [redacted] card statements were being sent to an address I no longer reside at since 2012. When the [redacted] account application was filled out in Sept. 2014 the address submitted is as stated above. I am also attaching a copy of my credit report from [redacted] from June 2014.I am in total shock to be sent statements to an address I no longer reside since 2012.Furthermore, [redacted] in Feb. 2015 sent my first statement to the address as stated above to make my first payment in March 2015. I am disputing the late fees and interest charges of $173.98 that were sent to the collections agency by the name of (UCD) United Collections Bureau at ###-###-#### and spoke to a [redacted]. As proof has been submitted, I never received any statements prior to Feb. 2015 at the above address. I hope you can understand why it is very surprising to discover I was sent to collections when my payment was due in six months from September of 2014. Thank you for your attention and consideration to my request in removing the late fees and interest charges.

Product_Or_Service: dryer

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

My request in to remove the late fees and interest charges or any other fees.

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: A 12 dollar clerk return error leaves customer unable to qualify and close on a mortgage.

[redacted] unjustly enriched itself by failing to execute proper return of merchandise procedures and then hid behind an army of customer service representatives and processes leaving the customer to ultimately pay a 12 dollar charge that was never owed. The 12 dollar error caused unrepairable damage to the customer's credit causing him to be unable to qualify for a loan. Details below:

Customer first opened an account in 2009 and has been a loyal [redacted] customer. On or about ** December 2014, a purchase was made in [redacted] for over one thousand dollars. The items purchased were returned the same day but the clerk did not remove one of the items causing a 12 dollar balance to remain, 5 of which went to [redacted] charity. Customer learned of the balance 4 months later when 30 day late notice showed up on his credit report when applying for a mortgage. Upon seeing this, customer went online to check the balance which showed a zero balance because he was checking on an old account that was never closed. When calling to verify the information, the customers learned that the online account was for a past credit card that had been closed. Despite his dispute that the balance was inaccurate, the customer paid the balance to avoid further eradication of his credit score. The customer attempted to remove the item by purchasing credit reports for [redacted], [redacted], and [redacted] and disputing items, causing him another 40 dollars. The customer was unable to qualify for his mortgage because the error made by the young clerk caused his credit score to drop from over 740 to under the 680 that was required. Furthermore, the mortgage company could not close on a mortgage with an open dispute. The only recourse was to call and speak to customer service again. The customer service agent said their was nothing that they could do and accused the customer of not returning the item. The customer was referred to several different personal who again said their was nothing they could do and instead gave an address to "mail" and item in. The appearance to the customer is that the company lacks the proper training and willingness at the store level, customer service level, and executive level to put the customer first. I am deeply disappointed.Desired Settlement: I am requesting that company report accurate information to the credit bureau and remove the 30 day late charge. They can keep the 12 dollars.

Business

Response:

We have responded directly to our customer regarding the resolution. If you would like to dicuss 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:

The company has not made an reasonable effort to determine the facts of the case as indicated in the complaint. No one has contacted the store directly to determine or even attempt to investigate the 3 breakdowns that led to the billing error and lack of payment:1.) At the store level: Customer service rep did not execute the proper return procedures and left a $12 dollar balance that was not due.2.) Online and Phone Customer Service: No attempt has been made to remove an online account that is closed from their system. A closed account from [redacted] appeared and continues to appear online adding confusion to the accounts actually due (All reasonable efforts were made to pay the bill online and via the phone prior to it showing up as a 30 day late. [redacted] customer service determined that there was a zero balance on the account but they were looking at the old closed account, therfore no payment was able to be paid. It was the customer who had to investigate that the account online was not reflective of a new open account. 3.) Dispute Resolution level: Despite the Good Faith Payment from the customer, both Citi and [redacted] continue to "place blame" on the customer for an amount that was never due in the first place. This is the absolute antithesis of customer service particularly for a loyal customer since 2009. Without even attempting to investigate the facts of the case, both companies continue to unjustly enriched themselves, albeit a small amount and take the easy route of just looking at a bill due that was never paid, instead of looking at why and the breakdowns within their processes. I am deeply dissatisfied with the effort and response.

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

Sincerely,

Business

Response:

We responded directly to our customer regarding the complaint ID [redacted] on May **, 2015 by mail. Our customer needs to allow time to receive our response. If you would like to discuss the resolution, you may contact our customer directly.

Review: [redacted] LIED about a dispute being a bank error, not only once, but three times.

In July 2014, [redacted] reported to the credit bureaus that I was more than 30 days late for a monthly payment. I immediately called ** and filed a dispute with [redacted] through my credit monitoring services. After trying to refinance my current home, this issue came back up and was a major hindrance in trying to get the loan closed. I called and questioned this charge, providing ** with, what I believe was a great reason for the late fee (THIS ONLY HAPPENED ONCE IN THE 3 YEARS I WAS WITH THEM). I told them that they tried to deduct the funds from my account before the due date for the automatic withdrawal. They viewed the dispute and said the reasoning was not good enough for them to remove the late notification from my credit report. I decided to let it go, until my lenders let me know that my refinance would be held up, resulting in an extra $166/mos and a higher interest rate, due to my lower credit score. The credit score was originally higher, before the dispute was removed. For a $50/mos bill, this was ridiculous to me. I called ** back repeatedly, and even tried to call the CEO/COO of the company to discuss this matter. When I called on ** July, one associate was able to view my file and tell me that THIS WAS AN ERROR ON **'s part and that he would send the issue to the credit dispute area of **/Citibank. I told him that I had reported this issue months before and needed it to be done sooner than the 1-3 business days he was telling me it would be handled. I called back and spoke to someone higher up, named Daniella. She informed me that she would look into it and get a letter to my lenders before the end of the night. Around 5 pm (EST), Daniella called and left a message on my voicemail. She said to call her back, as she could not discuss the manner over the voicemail. Upon calling her back, I was told there was no way to speak directly to Daniella and several other associates ending up helping me. One of these associates was Jay, who I would like to have fired. He was incredibly rude and refused to let me speak to someone else pertaining to this issue. I explained the situation and asked for him to review the recording with the previous associate who had told me that this was **'s error and a letter would be sent out to take this late fee off of my credit report. Jay told me that the associate was not speaking for ** and that they were not responsible for the late fee and it wouldn't be removed from my account. I am thoroughly devastated and offended that ** could not admit to wrongdoing in this situation. I have been a loyal customer with this organization for 3+ years, always paid my bills on time, and then they are penalizing me for something I did not do. In addition, it is costing me over $62,000 (based on higher interest rate/lower credit score, paying bills, etc) to refinance my mortgage loan. I would like ** to remove this late fee or pay the money ($62,000) that I will end up paying over the course of this loan, due to their negligence and dishonesty. Since the loan is currently in process and will be closing next week, ** is running out of time (why I tried to get them to correct the matter on 16 July and fax a letter to my lender),so they would need to reimburse me for this error.Desired Settlement: As stated above, I am requesting to be reimbursed $62,000 (monthly payment ($166/mos extra), penalty for higher interest rate (4.125 to 4.875) and payment to my credit card for $2k to increase my credit score post **'s error).

Business

Response:

Tell us why here...We have corresponded directly with our customer via [redacted] mail. Please allow 5-7 business days for Ms. Powell to receive and review the response from Citi. 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:

[I am not sure what the response to the following response to the complaint is. Furthermore, I have since moved from the [redacted] address and my mail is on hold, so I am not sure where a letter was sent addressing the complaint.

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

Sincerely,

Business

Response:

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

Review: I took a minute to review my statement today and noticed that I was charged a late fee and a huge interest charge. I looked further and saw that I am being charged 24.99% interest on this card. I looked at previous statements and saw that this has been happening for months! My fault for trusting such a "reputable" business. I have AMAZING credit and could have easily transferred this to a card that had zero interest. I am in the works of doing that now. They claim I have been late since November of 2014. I am incredibly organized and pay EVERYTHING on time. In fact I have an 800+ credit score! I was just approved for an $85,000 business line of credit with another agency. This is absolutely ludicrous. This is the same bank that claimed that they didn't have $16,500 of my money when they sold / transferred my account to [redacted] and I was able to prove it by taking screen shots before the account closed officially. Had I known that I would have incurred $1070.01 in fees in less than 6 months, I would have transferred the amount immediately. I ALWAYS pay my bills on time and their system is obviously flawed - hence the $16,500 "lost" just a few months ago. I am livid and feel completely scammed. I will be letting my clients and colleagues on social media and in person know of how shady the business practices are at Citi. The best advertisement is word of mouth and I have a BIG mouth. It didn't help that Kim in Florida 17 spoke to me with an attitude and like she was reading from a manual.Desired Settlement: I would like the entire $1070.01 sent to me in a check because by the time this is resolved the account will have a zero balance.

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: On 02/**/14, I texted my Citibank VISA debit card balance and had a balance of $42.62 after receiving a deposit amount of $42.00 after rendring services at CSL Plasma in Akron, OH. I purchased an item at Big Lots for $12.81, and then food at Giant Eagle for $18.10. After those purchases I texted again for the balance, which showed a misleading balance of $13.51. Both previous charges were already deducted. So, I decided to purchase $13.00 in gas at GetGo. I wasn't aware that the true balance was only $11.46 after these deductions. So, why was Citibank showing me a false balance of $13.51? After purchasing the gas, instead of having a remaining balance of $0.26, my text showed a deficit of -$2.04 (true balance of -$1.54 plus a $.50 NSF charge). When I called their customer service #, after spending an hour trying to correct their error, I was told by the [redacted] that although they couldn't explain to me why the text showed $13.51 before the 3rd purchase, they refused to strike the deficit balance and take responsibility for misleading me with a fraudulent balance.Desired Settlement: To clear my account due to misleading me with their error, which appears to me to be fraudulent in nature.

Business

Response:

March **, 2014

Revdex.com

Case # [redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on March **, 2014 from [redacted] regarding his CSL Plasma prepaid account 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.

[redacted] in his complaint indicated that he received an inaccurate text balance when he checked his balance via SMS text services. Citi prepaid services first attempted to contact [redacted] on February **, 2014 after he contacted our Customer Service Department regarding his complaint. When a [redacted] called [redacted] on February **, 2014 he indicated he did not want to speak about the account and terminated the phone conversation.

Citi Prepaid Services called [redacted] again on March **, 2014 regarding his Revdex.com complaint. We explained to [redacted] his available balance is dependent on when a merchant presents transactions to his prepaid account and Citi transaction fees are not assessed until the merchant transaction is settled. When a text balance inquiry is completed, the balance provided is based on the current transactions posted to his account at that time. [redacted] terminated the phone conversation when we were in the process of explaining to [redacted] how he can monitor his balance either online or via our automated phone system to ensure all transactions and fees have been accurately assessed to his account.

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

Sincerely,

[redacted], [redacted]

Consumer

Response:

Dear Revdex.com representative,

Citi Prepaid Services response is the exactly the same canned response that I received over the phone when I called them back in mid-February. and was on the telephone for over. an hour trying to resolve the issue. Sad to say that there was no phone call to me from Cities Prepaid Services on February [redacted] where they spoke to me and I refused to speak any further on the matter. Yes, they called on March [redacted] in response to my complaint to you. I was hoping for at least a run down of the transactions that took place that day, February. [redacted]. But, it was the same canned response that was received here as well. This indicates clearly that they don't want to do that, because it will reveal their error, if not their fraudulent tacttic. They definitely need to discuss with me and/or respond here how I received a balance of $13.51 on my text request, when it should've. been only $11.71. A difference of $1.80. Interesting enough, the last transaction before I made this text request was for $18.10, about 10 % of that purchase is the differrence in the true and errant balances. There definitely is no mathmetical logic to why I received a balance of $13.51, when the only previous transactions were for $18.10 and $12.81. There is no wayward that a balance of $13.51 could have occurred even if one of these transactions. were delayed by the merchant. I can only conclude that Citi Prepaid Services has some kind of glitch. in their system, or this is a fraudulent. tactic on their part. I hope it isn't. the latter. However, if it is the former, then why can't Citi Prepaid Services discuss this the figures with me or respond here? Since they use canned responses,

Business

Response:

April **, 2014

Revdex.com

Case # [redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on April *, 2014 from [redacted] regarding the balance of his

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.

After careful investigation and research, it was determined that Citi Prepaid Services has no record of the balance discrepancy [redacted] references in his complaint.

On March **, 2014, Citi Prepaid Services spoke with the cardholder attempting to review the transactions on his prepaid card; however, the cardholder disconnected

the call. As explained in the Terms & Conditions that was sent with the prepaid card, [redacted] can access his transaction history at any time by calling the toll free number on the back of his card or accessing the One Platform website.

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

Sincerely,

[redacted], [redacted]

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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:

This last service manager from Citi Prepaid Services is again (just like all the other times they have responded to me over the phone, or here in writing) avoiding my request for a rundown of the transaction figures for the day in question: Fenruary [redacted], 2014. She denies having any discrepancy in the record. Well, then show it. Clearly, she hasn't, and undoubtedly won't. So, I'll show the discrepancy in question in the attached, recorded on my AT&T Android text service, and forwarded to my personal e-mail address. In addition, as a psychologist, I am quite aware that when others resort to ad hominem arguments, as she has apparently done, by stating that I just abruptly hung up in my last conversation on the telephone with one of their representatives, as if I'm some kind of difficult and tempermental ex-customer, it is an indication of at least a weakness in their position, if not a cover up for what is clearly known to be false. The reason why I have labeled myself as an ex-customer is because I now am a customer of another bank offering prepaid card services. I will no longer use the Citi prepaid card account, and neither will the business from which I received my Citi prepaid card continue to do business with Citi Prepaid Card Services. I don't know why and don't believe it's any of my business why that is so. But, I suspect that my issue with Citi Prepaid Services is just the tip of the iceberg of problematic business practices by Citi Prepaid Services.

In addition, I received a courtesy call a couple days ago from [redacted] a Business Analyst in the Customer Complaint Department of Citi Prepaid Services. He contradicted [redacted] statements in this last response by admitting to me that there is indeed a discrepancy from February [redacted] that is completely in line with my complaint, and apologized on behalf of Citi Prepaid Services. Then, he told me that he'd send me a rundown of the transactions from my prepaid card on February [redacted], as well as granting my second primary request for the striking of all charges, including the NSF fee, which he did the next day.

So, for the record, even though I answered that this last response was rejected by me as resolving the issue, [redacted] clearly did do so with his courtesy call to me just recently. Thank you [redacted] for restoring my hope in the probability of a business resolving complaints from customers, if there is any propensity towards goodwill on its part.

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

Sincerely,