Citi

Review: A Student Loan was Charged-Off in 02/**/11 and then reportedly Charged-Off again in 11/2015. I disputed the terms and the company updated my credit file with incorrect information and refuse to review the account or return my calls.Desired Settlement: The Credit Bureaus need to accurately reflect a loan that was initially defaulted on 03/**/2007 and update the information with no reported duplicate charge off date.

Business

Response:

We

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

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

Consumer

Response:

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

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

Sincerely,

Consumer

Response:

Citibank has not contacted me via phone regarding this debt at all. I have contacted the office directly via email, phone, and through the Website Portal. I have received a letter in the mail stating the credit report was showing incorrect information and that information has been updated; however, the dates they are updating my credit report with are erroneous. This debt was originated in December, 2006. As of December *, 2015 the latest update to my credit file was that the accounts was closed on December [redacted], 2015. There has never been any payments on this account and it was closed on March **, 2007 due to charge-off. The information in my credit file is not corrected. The account closed date should be listed as the date the account closed due to charge-off which was March **, 2007. The problem has NOT been corrected and Citibank won't contact me. I want them to contact me the email address on file or at the minimum they need to contact my phone number on file and leave a voicemail so I know they are calling.

Business

Response:

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

Review: I called to make a payment on 2/**/15 (time of call 8:32 am called lasted 7 mins 32 sec). I requested a lower interest rate and was told by [redacted] that a lower interest rate was not available at this time and to call back in a few months. I am requesting a lower interest rate for credit card. You have my permission to verify my statement and to listen to the recorded call.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like a lower interest rate for credit card.

Business

Response:

Tell us why here...Good day, 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]My case has not been resolved and the call was recorded. You have my permission to listen to recording. [redacted] Brantley called from ###-###-#### and I was advised to return his call at ###-###-####. I was advised that my rate is 21.99% + prime rate of 3.25%. Per [redacted] I could pay off balance as quickly as possible, that would help me save money. I asked if I could speak to someone else and he said I had reached the Office of the President and that was the highest. I was not offered a lower interest rate because there was not a rate lower at this time. You have my permission for access to any information to resolve this matter. This call took place on 2/**/15.Thank you,[redacted]

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

Sincerely,

Review: I have contacted Citibank customer service no less than 15 times, 6 times in writing, 1 in fax, 9 in phone calls to request old itemized statements in 2009 and 2010. But Citibank had not provided these itemized statements since my initial requests on December *, 2014, 22 days ago.

On the website of Citibank, a customer like me can request old statements as far back as 02/**/2007. Unfortunately, Citibank tried to deter me in getting those statements because they either ignored my requests or sent me some paper without statements, without itemized transactions during the transaction periods such as dates, vendors and amounts .

I am seeking the help of Revdex.com to get these itemized statement from July 2009 to March 2010.Desired Settlement: Citibank to deliver my itemized statement from July 2009 to March 2010 of my MasterCard ending [redacted].

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.

Consumer

Response:

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

Citibank sent me another set of statements without actual/itemized statement during the payment period. So again it was useless.

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 still didn't get my monthly statements with detailed transactions such as vendor, date and amount from Jan 2009 - Dec 2010. I kept repeat to them what I need and their representatives tried to play dump that she didn't understand what "itemized transaction" means. It shows that Citibank has a data system flaw that a customer can not trace his/her transactions back to 7 years ago as Citibank stated online. So that Citibank should be honest about their incompetent in providing such data/transactions details. A sum is not detailed transactions during a transaction period, right?

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

Sincerely,

Business

Response:

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

Review: On 1/**/2013 Citibank ran a hard inquiry on my Experian and Equifax credit report which was not authorized by me and I have never have or have applied for any Citibank Credit cards nor its partners cards that deals with Citibank. I had made an attempt to send a certified letter to citibank at the address: [redacted] in june of 2014 stating to remove the negative information from my credit profile. In return on July **, 2014 I received a letter from Citibanks Credit Management Dept, that they needed my full social security number and a copy of my credit report showing that they ran a hard inquiry. I responded and sent them the remaining documents. Prior to sending the documents requested I also called the Citibanks Customer Service number and talked to a supervisor on duty to confirm exactly what I needed to send in. Attached with the requested information I also sent a letter explaining the situation and the outcome I needed. Since then I have heard no reply from Citibanks Dept. of Credit Management. I called them multiple times during the past month and all customer service associates told me there isn't a direct number to get hold of them. You can only write them a letter. Again going and back and fourth I attempted to call again 3 weeks ago and talk to a supervisor and she told me to fax a detailed message and your personal information to ###-###-####. Its been 2 in a half weeks and again I still haven't received any response from this company. This is unlawful practice against a consumers credit file. I needed this to be taken care of in a serious matter and to be avoided without further delays.Desired Settlement: I should not have to deal further with Citibanks unlawful practice of attempting to delete a hard credit inquiry from my credit report. Remove the hard inquiry from my Credit file from Experian and Equifax Credit Bureaus right away.

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: Company illegally applying for a credit card in our name

On April *, 2015, when I picked up our mail I noticed a letter from [redacted] Credit Card services in [redacted] addressed to my wife, [redacted] (the spelling on the address was [redacted]).

When I opened the letter it stated that my wife, [redacted] applied for a Credit Card with [redacted].

We are in the process of paying off credit cards to increase our credit scores so I confronted my wife on why she applied for a credit card as these applications bring down our credit scores. She stated she never applied for a Credit Card with [redacted].

I asked her why, then, would they apply for a credit card in her name? She stated all she did was sign up on the website for "e-mail notifications for products or services" and that she never gave them personal information such as birthdate or social security number.

There is no way they should be running a credit report and try to open a Credit Card in my wife's name without her permission. This means they, and other businesses, can open credit cards in the names of others, have the new credit cards mailed to themselves, and scam the persons.

Also if you look at how they spelled her name on the letter as: [redacted] that is how the [redacted] listed her name on her Green Card but her legally listed name with the [redacted] is [redacted].

That proves that she didn't request a Credit Card from [redacted] as they back-doored her with [redacted] Credit Information Services to try to sneak in a Credit Card in her name.

This is deceptive and illegal business practices and it has to stop!Desired Settlement: I demand that all information pertaining to my wife be deleted from all the computer systems associated with [redacted]. I do not want any personal information to be anywhere on their computers, networks, servers, file drawers, or hard drives.

If you want a copy of the letter we received from [redacted] please give me the e-mail address where to send it as I scanned the letter front and back to prove my case.

Business

Response:

We have sent a response to the customer on May **, 215. 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:

I never received any response from CitiBank in response to this complaint I made on Revdex.com. Nothing from CitiBank in writing, or by phone call, or by e-mail. Additionally I have no way to review their response if their response was posted on teh Revdex.com website as the only thing I received from Revdex.com was a notification that they received some sort of response from CitiBank concerning this complaint I made. If there is a response from CitiBank then I would like to have it sent to me, via e-mail, at [redacted] so that I can review the response to my complaint and make an informed decision to accept or decline their response. Also it would be nice if, when Revdex.com contacts me to inform me that there is a response to my complaint on Revdex.com, that they provide a link to the response so that I can actually see it. I am waiting for response from CitiBank, or a link from Revdex.com to the response by CitiBank, so that I can see what they said before I make a final decision. As of now I cannot accept their response when I have no clue what they said.

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

Sincerely,

Business

Response:

We responded to this customer in writing on June *, 2015. If the customer would like to share this information they can provide a copy of our response to the Revdex.com.

Consumer

Response:

I will reluctantly accept the reply the business sent. However if this incident happens again I will file another Revdex.com complaint and I will contact my Attorney.

Sincerely,

Review: Billed after account was closed, credit reporting error

Dear Sir or Madam:

I am writing to dispute an item in my credit report. The following account status should be updated. My credit report indicates that I have made late payments or that the account is in default. I have never missed payments or made late payments on this account. They account was closed on March **, 2014. Annual fees were applied in April of 2014 after the account was closed. Subsequently I have paid $ 197.90 in annual and late fees. I am requesting that any derogatory posting be removed from my credit report immediately and fees be return to me.

Company Name: [redacted]

Account Number: [redacted]

Account Status shown on credit report: Closed per customer's request

Sincerely,

[redacted] RogersDesired Settlement: Please investigate this error immediately, and update my credit report accordingly. Please send me a copy of your investigation results and an updated copy of my credit report.

Business

Response:

Thank you for your communication regarding [redacted]s [redacted] Gold 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.

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: [redacted]topped sending me billing statements after paying a payment on-line. By the time I realized that they were not sending me billing statements my bill was 30 days late. I called and made a payment as soon as I realized I had not received a billing statement. They reported that I was 30 days late on all three credit reporting agencies. I have disputed this with the credit reporting agencies [redacted], and [redacted] with the reasons stated above. [redacted] has refused to remove this information from my credit reports. Buy the way their postal code reported on my credit report is [redacted] which was not found on your website when I entered it. I was also not able to find an email address for [redacted]. It makes it hard to file a complaint when they do not give you their information.

Product_Or_Service: TV on Credit Card

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Correction to a credit report

Remove the 30 day late payment reports from my [redacted], and [redacted] Credit reports for the month of July.

Business

Response:

We are responding directly to our customer regarding the resolution. If you would like to discuss the resolution, you may contact our customer directly.

Consumer

Response:

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

[I have not received an answer to this complaint as of yet.]

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

Sincerely,

Business

Response:

We have responded directly to our customer by mail regarding the resolution. Our customer needs to allow 7-10 days to receive letter.

Review: I received a bill for my mortgage in May. It was not the correct amount (it was $84.00 higher). I noticed a code saying "delinquency expenses are third party expenses such as property inspection fees, property preservation costs, appraisal costs, and attorney fees incurred by CMI as a result of default". I did not have any of these items so I called. The person told me that we had declared bankruptcy. She also told me that we have not had a late payment since we have had the mortgage. I told her we did not declare bankruptcy. She told me they would correct the problem and gave me a case number ([redacted]) and she said it would be corrected by 6/**/2013. On 6/**/2013 we received our mortgage statement with the same $84.00 charge for declaring bankruptcy. My husband called this time and the person on the other end said "thank you for not being late on your payments". He also said that the matter was not cleared up.Desired Settlement: We want the matter cleared up as they told us it would be. We have not declared bankruptcy and make our payments on time every month.

Business

Response:

Dear [redacted],

This letter is in response to the June **, 2013, correspondence received from your office regarding your case number [redacted] for our clients listed below.

Mortgagors: [redacted]

[redacted]

Property Address: [redacted]

[redacted]

We have investigated this matter and addressed [redacted] concerns with them directly via letter dated June **, 2013. We have no record of receiving a signed authorization to release account information; therefore, we are unable to provide any details to you about our investigation. Please contact [redacted] directly if you require further information.

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

Sincerely,

Executive Response Specialist

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 had filed a complaint (complaint #[redacted]) in June 2013 stating that Citi Mortgage had put a fee on our mortgage ($84.00) for what they said was declaring bankruptcy. I have not, nor has my husband declared bankruptcy. We tried several times to get this issue cleared up. I filed a complaint with you and the matter was solved (I thought). We received 2 correct bills and then yesterday I received my bill with the $84.00 additional fee. We wish this matter to be resolved and to stop getting $84.00 additional charges on our bill. I had received 2 letters after my first complaint that said this was done on our account "in error" and that they were sorry for any mistakes they had made to our account. I always pay my bills on time (if not early). The last statement I received said they received the payment on 9/* (and my payment was not due until 9/**).

Sincerely,

Business

Response:

To Whom It May Concern:

This letter is in response to the September **, 2013, correspondence received from your office regarding your case number [redacted] for

our clients listed below.

Mortgagors: [redacted]

We have investigated this matter and addressed [redacted] and [redacted]. [redacted]'s concerns with them directly via a letter dated October **, 2013. We have no record of receiving a signed authorization to release account information; therefore, we are unable to provide any details to you

about our investigation. Please contact [redacted] and [redacted]. [redacted] directly if you require further information .

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

Sincerely,

Review: I received an offer for refinancing and decided to call Citibank directly. I was told that I did not qualify for what was offered, but was then offered something else. I did allow the agent to review my credit report and he mentioned he would be doing a few other things (at no time was I told that these things would be charged to me.) I was also told that I would need to give my credit card information for a charge (which I thought would be initiated if everything went through with the refinance at the end).

Today, I tried to contact the agent but he was not there. Another agent informed me that $100.00 was already charged to me as an application fee & that I would also be charged for the pulling of my credit report, amongst some other charges. I was totally mortified.

I have been an excellent paying customer for more than 10 years. My credit report is excellent and I do not appreciate being taken advantage in this manner. Practices like this are totally unethical & quite frankly, I am quite disgusted to know that after more than 10 years of paying my bills on time, CitiMortgage would stoop to such a low level --- just to make an extra buck. I am now totally ashamed to know that I do business with individuals who support such practices to make money.

What is even more humiliating is that I had offers from other companies who waived up front fees, but, gullible as I am, I decided to keep my allegiance with CitiMortgage. I won't make that mistake againDesired Settlement: I would appreciate an apology a total refund, and I can only hope that CitiMortgage does not utilize this method as a new way to do business and make quick cash. It's just not ethical.

Consumer

Response:

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

Sincerely,

Review: I am an active duty military member and customer of Citibank. In preparation for a deployment to Saudi Arabia I contacted Citi in the summer of 2012 prior to my deployment to inform them that I was going to be heading to the middle east. During the conversation I asked about any fees associated with the use of the card overseas, specifically foreign transaction fees. I was told that they normally charge a foreign transaction fee but would waive them because I was deploying overseas. I proceeded to leave and use the card, I was in the middle east traveling and moving quite often, I rarely had time to check my online statements. I did when I came home for the holidays and saw that there were several fees. I was outraged and contacted Citibank, as a matter of fact I was so angry that the rep threaten to disconnect if I didn't calm down. Long story short is several phone calls were made to correct the issue, and different people gave me different answers. I returned at the end of 2013 and the problem was still not solved. I have been back for 9 months, and the entire time I have been dealing with this problem going from one department to another, transferred to the military department without any luck. Today, after several weeks of dealing with a rep. [redacted], that was actually quite nice and knowledgeable he informed me that his superiors wouldn't approve the refund. I am beyond disappointed about this entire situation, aside from lying, its been 9 months of dealing with this headache, each person asked me for a different proof that I was overseas, I provided them with everything and at the end no resolution. You would think that I am dealing with Taliban credit cards, not Citibank. On top of everything, citi is the government travel card holder so they should know how to deal with military members. I plan to reach out to all media outlets, especially the Army and department of defense channels. I an upset that not only was I lied to, but a year of attempting to resolve has yielded nothing but more anger and resentment. The total amount, not that I have the detailed billing records are roughly 1500 for foreign transaction fees, and 200. I hope I can raise enough awareness of this deceptive tactics to defraud deployed service members to cost them 1000 fold what I was robbed.Desired Settlement: My desired outcome is for an apology, for the company to stop deceiving and stealing from active duty members deployed and refund of entire amount.

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 attempted to resolve this matter with the business for over one year now, after all the unsuccesfull attempts I decided to go this route. Obviously since I contacted Revdex.com, and initiated the claim I have agreed to share the information. I have all the statements with the foreign transaction charges. I will go to a notary today and notarized a sworn statement that certifies that the citibank rep told me that there were no charges. Despite their bad business practices, and praying on service members deployed overseas it comes down to I asked a respresentative and was told that there will be no foreign transaction charges.

After all this, I want to have it public, so other customers see the business practice of citibank. I have began closing my accounts with citibank, and will continue to pursue this matter until I find satisfied with the resolution.

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]

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: august [redacted] ipaid citi 310.00.the card was 322.00 over and there was a late fee. I understand this.I should havehad 163.00 available credit. citi only released 23.00.I had 3 different conversations with citi associates.one conversation was 15 minutes! this is the 3rd time thiscompany has done this. the 1st time they tried this was last christmas 2013. I should havehad 200.00 available credit and citi released only 65.00. no other credit card company does this.why are they getting away with it?Desired Settlement: I wouldl like to be credited what I am due.

Business

Response:

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

Review: [redacted] Account Number: [redacted]. I am a victim of identity theft. [redacted] has been rude and very unprofessional in dealing with this crime against me! I have informed [redacted] about this fraudulent account, however, they have failure to properly handle this crime committed against me within their company. [redacted] is still trying to get me to pay for this fraudulent account. I have been harassed repeatedly by Exxonmbil in every way possible. I will be filing a civil lawsuit against [redacted] if this account isn't deleted from my credit report in it's entirety. I also will be filing a complaint with the Federal Trade Commissioner's office against [redacted]. Also, a copy of this Revdex.com complaint will be forwarded to the Federal Trade Commissioner's office to view as an attempt to have this fraudulent account remove from my credit report.

Product_Or_Service: Fraudulent Credit Card

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

REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORTS AND NO OTHER ACTIONS WILL BE TAKEN

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 find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I have explained multiple times that there was fraud on my account that was discovered in July, and my bank account number had to be changed. Several bills did not get paid, and I have been trying to catch up. The case is being prosecuted, and I told them to call my bank and verify. I have been off work on [redacted] for almost a month due to medical malpractice as well. I have been called every day for the past two months, multiple times daily. I made an extra payment and will make a regular payment on the [redacted]. I have told them this. They argue with me and it is unprofessional! They have also doubled my regular monthly payment. I am going to tear up the card and never use it again. This company has no concern for its customers.Desired Settlement: Stop calling me!!! I will get caught up, and this was not my fault!!

Consumer

Response:

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

Sincerely,

Review: I am unhappy with how [redacted] discloses information regarding their 18 month interest-free policy when making purchases using their credit card. I went to pay off my credit card today and was shocked by the sudden increase in the amount due when I had not purchased anything. What would have been a pay off amount of $245 became $544. Instead of charging the interest rate of 24.24% to my remaining balance, the 24.24% interest rate was charged to my original balance of $1,060 for a total charge of $302.49 in interest. I had just missed the 18 month pay off date. My two complaints are as follows: first, I am surprised that a company can charge interest on a previous balance (i.e. the $1,060 and not the current, existing balance of $245). Furthermore, during this 18 month timeframe, I made two purchases of about $450. I believe [redacted] "pick and chose" what to put my payments towards in order to ensure the'd be able to charge me the maximum interest rate. Second, is the fact that you are asked to sign up for eBilling and when you do, you are sent an email that only gives your balance and your amount due with a login to the main screen where you go to pay. If you don't dig deeper onto the main page to find the actual .pdf of your bill, you never see these nitty gritty details about how the interest rate works - so they do a good job of hiding it.

Product_Or_Service: computerDesired Settlement: DesiredSettlementID: Other (requires explanation)

I would like a partial refund. I feel I was grossly overcharged on the interest and should only have been charged the 24.24% interest rate on the remaining balance at the time the 18 month interest-free program ended. Second, I would like [redacted] to consider re-working their statement emails to have a link to the statement directly, as I feel 1) the 18 month policy is not explained well by employees and stores and 2) 18 months is counted diff

Business

Response:

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

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 have yet to actually respond to my complaint. They said they will not do so for 7-10 business days. Therefore, I cannot close this complaint until I see their response.

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

Sincerely,

Business

Response:

Due to privacy concerns, we have responded to the customer directly via mail. [redacted] will receive her response within 7-10 days.Thank you,[redacted]Executive Response

Review: The Citibank blocked my access to the website while they deliver a new card to me and I could not make a payment to my credit card.

They charged me the interest fee for the entire amount even though they caused the inconvenience to block the access.

I had contacted the citibank four times to waive the fee that I wasn't unable to make the payment because I did not have the citibank card and could not access the website and they said they proceeded with my request but did not process and declined.Desired Settlement: Refund the interest fee for the amount I made a payment two days later because you did not deliver the new card as soon as possible; I had almost waited one week and you blocked the web access while I do not have the card so I had no way to make the payment.

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:

No attachment nor response from the buisiness below.

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: After receiving numerous offers by mail from Citibank I decided to apply for a Citibank Simplicity credit card. Being a beginner in the credit world I was specifically looking for a credit card that would help build my credit history and establish good credit as I would like to become a homeowner soon. I asked the representative if this was a card that would grow with me as far as extending credit overtime. She assured me that it was an excellent choice and that I could request a credit limit increase in as little as six months with a good chance of approval. With that being said I was certain Citi Simplicity was the right choice.I applied for a Citi Simplicity card a few days later, January 2013, and started with a limit of $3000. I requested an increase July 2013 and was declined. I requested an increase again in December 2013, May 2014, and again in September 2014 and was declined every time with the same automated message. I spoke with numerous representatives only to hear that I was unable to receive an increase and that I should call back with six months.I have four credit cards aside from Citibank that I have received multiple increases on, at my request and/or automatically. I am highly disappointed with Citibank. I would have chosen another card had I know I would not receive a single increase in nearly two years. I do not have any open collections and all of my accounts are in good standing with 100% on-time payments. I do not see a reason to be treated as though I am unworthy of a credit extension.I would like to WARN consumers who are trying to build their credit that Citibank may not be the best card of choice if you are looking for a card that will grow with you. There are better options, do your research, as I should have, and save yourself the disappointment!!

Product_Or_Service: Citibank SimplicityDesired Settlement: DesiredSettlementID: Other (requires explanation)

I would like a valid reason for my inability to receive a CLI. I do not believe Citibank Representatives should be allowed to mislead potential consumers. I would like to prevent potential consumers from falling into this stagnant credit card trap.

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 find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I made a purchase with my citibank [redacted] in feb 2015. I disputed the charge because the merchant didnt send me the correct item. I contacted citibank and told them the situation. They gave me credit. Then the merchant responded that I have the item when I clearly stated in my statement that the item was never unloaded of the truck and was refused. I send them a copy of the signed receipt stating that the item was refused and send back. They took the credit back and charged me again because the merchant claims that I have the item. After resending them a return tracking # from the freight company showing the item being sent back I still was not credited. Up until now after months, they are unable to contact the merchant they say I to pay for somrthing I dont have and never recieved. I call numerous time to check on the dispute and every representative told me if the merchant dont respond within the time given I will automatically get my credit. Now I am out $4500 and need to use my sons college fund to pay for it so I wont be charged interest on top of $4500 for something I dont have and never recieved. Citibank should investigate all documents carefully before reissuing a credit to merchant. They suppose to protect there credit card holdersDesired Settlement: I want a full credit to my credit card!!!

Business

Response:

We

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

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

Consumer

Response:

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

I have tried to work with citibank since march 2015 and have not tried to resolve it at all. Basically they told me I have to look at other means of retreiving my money. They dragged it all this time and told me if the merchant does not respond within the time allowed I will automatically get a refund. Now they're saying I cant get my credit and I owe $4500 for something I didnt get. I am reaching out to you to help me in the case. I have all the documents should you need it to proceed. Thank you

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

Sincerely,

Business

Response:

We

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

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

Review: Mistake in when it needed to be paid off. Was obviously going to pay off now.

I went in to pay off my [redacted] credit card. Was around $44-$47 dollars. When I went in to pay it off the total was close to $700. The mistake was mine, I accept that, I misjudged when it needed to be paid off. If I had know it was last month I would have paid it off then. Based on the amount that was left to be paid, it show that I clearly intended to pay it off. All I want is a little understanding and compassion, I made a mistake, I don't think being charged $650 for it is fair when it was obvious I was going to pay it off. I e-mail customer service and got the typical, we don't care about you,'there is nothing' we can do reply. There is always something that can be done, their reply was a brush off and showed very little interest in helping the customer. I shopped at [redacted] a lot and would have continued too but the fact that they care so little for their customers shows why their business isn't doing as well. Show care and compassion and you'll get repeat customer, show disinterest and lack of caring and you lose customers and they go to social media to complain and you lose even more. We can buy everything [redacted] offers online through different retailers, I shopped at [redacted] cause I like to see, in person, what I am buying. But that is not something that I have to do and don't plan on it in the future. In the past I hoped that [redacted] would turn things around and be as popular as ever, now I see why they aren't. All I would need to change my mind was to see that you actually care and that you realize that I am human and sometimes humans make stupid mistakes and a little understanding and compassion can go a long way with your customer base. All you need is go to their [redacted] page or any countless other locations to see that that really isn't the case.Desired Settlement: I just want the interest charges removed and to be allowed to pay off my account, that I obviously planned on doing. I'd even be willing to pay a little more considering it was my miscalculation but being charged that much when I was obviously going to pay it off is too much. Understanding, human compassion.

Business

Response:

Your recent concerns regarding [redacted]'s My [redacted] credit account have been forwarded to us for review and response. Citibank, N.A. is the issuer of the My [redacted] account.

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

We appreciate your patience and are committed to providing the best possible service.

Review: I made online purchase of Clarins product through Citi Bonus Cash Center, which promised 8% rebate. But Citi only provides me 1% everything rebate.

On June *, 2014, I made an online purchase of Clarins through Citi Bonus Cash Center. The purchase amount was $95.92, and the order number was [redacted]

The Citi online system shows 8% rebate. Therefore, I should get $95.92*8% = $7.67 rebate. But Citi actually only rewards me 1% rebate, that is the rebate rate for everything.

I called Citi cards customer service for more than 5 times. In the first time, I was told the missed 7% rebate would be shown after next statement. Then the second time, I was told the issue was submitted. Then after some days, I received a paper mail asking about order number and my information; I filled the form and sent it back. Since then, I made a phone call every week asking about the progress, but I was always told that I would get my extra 7% reward within 2 weeks. Now that 4 * 2 weeks has passed, Citi still uses such cheating words. Therefore, I file the complaint here to expose their cheating behavior.

This is NOT the first time that Citi cheats. I and my friends were cheated about the cash back like this for several times. Citi always intentionally ignores the extra rebate; if the customer did not call them, they will not honor the rewards. Even when we called them, they will use forgetting or system processing or computer error as excuses. From my and my friend's experience, there is NO, even one time, that Citi gives the extra cash back correctly and automatically. Obviously, Citi intentionally does this to save money; if customers do not find, Citi saves.Desired Settlement: I look for the following:

1. Official explanation of more than 6 weeks telling me that I would be rewarded within 2 weeks.

2. Give me my extra cash back: $95.92 * (8% - 1%) = $6.71. Also, I want extra compensation for my time cost, as I called Citi many times about this issue, and they wasted me lots of time.

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:

The citi people contacted me by phone and gave me the refund that they did not perform according to their policy. Now I am OK with the solution.

Sincerely,

Review: I was unaware of the interest free period ending, as I switch to email notifications only. I feel there should be some additional notification.

I was charged $824.00 of interest in the month of july on a 2yr interest free period that ended. I have looked at the summary, but not sure how the payments are allotted. I thought I had until October. I have tried contacting Best Buy to see if I could work this out, but was told nothing could be done. So I'm trying the Revdex.com.

thanks for any help,Desired Settlement: remove the interest charge, I will pay the entire bill and close my account.

Business

Response:

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

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]

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