Citi

Review: My bank sent a check to Home Depot to pay my credit card and it was cashed on 6 January 2016. Today it has not been credited to my account. I have made several calls. When I made a call around ** January 2016 I was told it would take 7 days to find the payment , yet I received an e-mail stating it would take 6 weeks before it could be found. I gave them all the information I received from my bank, Check number, Date send, tracking number and the date it was cashed.Desired Settlement: I want them to credit my account or send me the check back, as I feel it shouldn't take me that long to find the money.

Business

Response:

We responded to the customer on February *, 2016 via the U.S Postal Service. The customer should allow 7-10 business days to receive our written response. If the customer would like to share this information, they can provide a copy of our response to your office.

Review: In the middle of Aug I had lost my son [redacted]. His sister is doing fine and will remain in hospital for months to come. Yes they where twins. After getting the news of my son I went to the café there in the hospital. I accidently left my wallet and cell phone. There was a lot on my mind. As a result my wallet and cell phone was tooken. I reported the fraud to Citibank and was told it will be investigated which takes 30-60 days to complete. I have already exhausted the 30 day time frame. No reply or information from Citibank. I contacted a lady by the name of [redacted] who assured me that she would assist me. She advised me that I need to fax in my social security card She provided a fax number to fax in the social security card. The nursing staff was nice enough to fax the social security card for me to the fax number [redacted] provided. After leaving [redacted] voice messages for two days asking her to confirm receipt of the fax she finally called me back on the third day. She informed me that she did get the fax of the social security, however the fraud department had sent me out a letter requesting verification of my social security number. Why didn't she tell me that at first ? I could have just sent both back at the same time. She stated the fraud department wanted me to sign and send the form back so they can confirm my identity. I made contact with [redacted] a week later to see if she could resend the social security form so that I could get it back to them as soon as possible so I could get both of my credit cards accounts reinstated which was closed as a result of the fraud. She stated she would re mail the social security number verification form back out to me. Two weeks has past. [redacted] is now refusing to answer and of my call. I have leave her over 7 voicemails in the last 14 days. She hasn't even even reached out to me to at least say "Hey [redacted] I was just calling you to see if you got a chance to return the form back yet". I haven't heard from her at all in the last 2 weeks. I have sent a secure message by login onto my account via [redacted]. requesting the letter be resent out. I have since moved and that my be a reason as to why I haven't received the letter. I received a message stating someone from there fraud department would contact me within 24 hours. That was 72 hours ago.Desired Settlement: I'd really appreciate it if someone would take a couple of minutes to contact me so I can have my accounts reinstated . I am being punished as a result of the fraud that took place on my cards.

Business

Response:

Dear [redacted]:

I spoke to [redacted] and reinforced that his Hilton HHonors® Gold Card ending in [redacted] and his Citi Simplicity Card ending in [redacted] are currently undergoing a verification review and we require specific Social Security documentation. To complete the review, we requested that he return the completed and signed SSA-89 form, along with a copy of his Social Security card. I confirmed with [redacted] that the documentation was received on October **, 2013 and was forwarded to the appropriate area for investigation. I requested that he allow up to 45 days for the investigation to be completed. At that time, I will contact him to further discuss the matter.

Should you have any additional questions regarding this matter, please contact me at the above address.

Sincerely,

Presidential Communications

Review: Citi AAdvatage card sent me a promotion in Aug-2014 saying “enroll, you will receive 2 [redacted] Club one-day passes when spending $1250 on eligible purchases at electronics & computer, clothing, toy and department stores by 12/**/14 ” There was no exclusive, or any specific terms provided in the offer. I enrolled and spent more than $1250 with my Citi AAdvatage card by 12/**/14, including a purchase of iphone at [redacted] ($912.68 on 12/**/14) and shopping at [redacted] (total of $350 on 12/**/14). I think these are eligible purchases (electronics and department store), however, Citi/AAdvantage claimed that they were not and refused to award me the 2 [redacted] Club One-day Passes.

My Citi AAdvatage card account ending in: [redacted] Invitation number: ###-###-####Desired Settlement: 2 [redacted] Club one-day passes are desired as the advertisement offers.

Business

Response:

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

Consumer

Response:

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

A voicemail message was left by a Citi agent, who asked me to call Citi back. No solution to this issue provided or any suggestions left in the message. I would ask for a recordable way which shows how Citi will fix this issue, email preferred if Citi would like to avoid showing their decision on Revdex.com but to contact with me directly instead. Thank you!

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: I contacted [redacted] 3 months ago to work out a payoff on my account [redacted] when I was 300 dollars away from paying off my balance owed. My wife had lost a job and our financial situation had changed. We were faced with impending finance charges which amounted in six hundred dollars for one purchase and another 600 hundred dollars for another purchase. But we only owed 300 hundred dollars total for both purchases. We were told that we would have to come up with 300 dollars for both purchases inorder to pay the account off. We were unable to do it due to lack of work. We now owe over 1100 dollars since we were unable to do both. I was laid off from my work 2 weeks ago and cannot continue to pay the excessive, exorbinate interest and finance charges due on this account. I bellieve that [redacted] has unfair and insensitive business practices and should have worked with us on this matter since this will adversely affect my credit. I also was always on time with our payment and never late.Respectfully,[redacted]Desired Settlement: I would like [redacted] to allow us to pay off the original amount owed for the purchases in the amount of 300 dollars and not 1200 dollars.

Business

Response:

Due to security concerns we are no longer sharing our responses to the customer with the Revdex.com. We are responding directly to [redacted]. He will receive our response in 7-10 days.

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]We received a letter from Citi. They offered to lower our bill by 319..01, which was around what they original amount owed on the account. Unfortunately, that will still leave a balance of over a thousand dollars. These charges are all interest and deferred fiance charges. this is not accepatable. I want to pay what I owed on this account which was 300.00 dollars.

Respectfully,

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]

Their response is hardly acceptable.

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

Sincerely,

Business

Response:

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

Review: I have had a citi-card for several years and recently my rate was increased from 7.99 % to 29.99% because of a late payment. There was no clear indication that this was a part of our agreement and while there may be a link on the onilne payment page making this kind of rate increase is completely unethical and predatory. I can understand a slight rate increase because of late payment but to increase it so drastically is completely beyond reason.Desired Settlement: To change my interest rate to 12.9% this is higher than my original rate of 7.9% so I will be paying a higher rate since I was late but it is much more reasonable than the ridiculous rate of 29.99%.

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: Unauthorized transactions on my checking account occurred on 04/**/15 in the amount of $507.12. Reported it to bank on 04/**/2015 and cancelled my debit card. Received notification on 04/**/15 that bank would not reimburse me for stolen funds. Case # [redacted].

Specifically, the transactions on 04/**/15 were NOT authorized. This is the first time this situation has ever occurred and I have been a long-standing customer for 15 years. I was no where in the vicinity of the location where these transactions occurred. No video surveillance of identified ATM machine was ever conducted. I was in possession of my ATM card and at a Birthday party in [redacted] when transactions occurred. Online statements identified location of ATM as [redacted].Desired Settlement: Funds lost need to be replenished to my account.

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: They do no honor their Debt Protection service.

I am a long time [redacted] customer, and have always appreciated their service and products. I also have been signed up for their Debt Protection plan, although I never for a minute suspected that I would need to use it.

Then 11-**-2013 the company I worked for was sold and the business moved out-of-state, leaving me without a job. I have continuously looked for work since then with little luck. I have found temporary jobs here and there, but nothing permanent. Then about three months ago everything came crashing down. I was out of money.

I called the folks at the Debt Protection number thinking I could get some help and protect my credit rating, which had always been perfect. I was asked various, legitimate questions until I mentioned that I was also, which looking for full-time work, doing some web design business on the side and was getting enough money to slightly slow the bleeding, but certainly not enough to coming close to paying my bills.

I could almost hear the glee in his voice when I said that, and he said, oh, you're self-employed, you don't quality for the program.

So I figured I'm now screwed, no ability to pay, late fees and interest piling up, and thrown to the wolves by the insurance company. What a surprise.

Then yesterday I get a call from CitiBank asking for a payment. I explained what had been going on and I would not be making a payment, that I couldn't make a payment. The man then said to cancel the Debt Protection service and call him back, that they could work with me.

So I called the Debt Protection people today and cancelled the service, then I called the CitiBank ([redacted]) card services to tell them I what I had done, and asked what we could now work out.

The lady I talked to said nothing, that I would have to wait ten days and then try calling them. I told her that the man I had talked to said as soon as I cancelled the plan to give them a call, not to wait ten days.

So now I get to paid another ten days worth of late fees and interest and look forward, I suspect, to yet another runaround.

I'm ready to give up.Desired Settlement: I just need help.

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]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:

[Your Answer Here]

The business, [redacted], has not addressed anything with me. I haven't heard a word. [redacted]

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:

After cancelling the Debt Protection Plan according to their instruction, they said they could then help me. They finally called me today. The first person I talking to said if I could make a minimal payment, maybe as low as $20.00 a month, they could work with me until I got back on my feel. She then passed me on to a man who said something quite different. As near as I could understand it, I could pay around $114.00 a month, which is higher than my minimum was when I was in good standing. However, if I had a source of income - employment - they could drop the fee to around $36.00 a month. It's being unemployed that's causing the problem. So the less ability I have to pay, the more it costs me, by far. I have no idea what's going to happen next, but there is no way that I can currently pay the amount they insist on. Meanwhile, he said they would continue to pile on late charges and interest.

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

Sincerely,

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]Executive Response

Review: Failed to send billing statements in any form

No billing statements were sent in the last year. No email, no postal mail, etc.

Resulting in expiration of promotional deferred charges.

Called and no resolution available only to "enroll" to begin to get billing statements.Desired Settlement: Reason payment plan on "new" balance.

Business

Response:

Thank you for your communication regarding [redacted]s My [redacted] account. We will respond directly to the customer within the next 7-10 business days. If you would like to discuss the resolution, you contact [redacted] 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:

Until closure is reached case is not resolved

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

Review: I have been trying to get Citi to remove a fraudulent paypal charge of $150 that was charged to my credit card on 4/**/14. After that charge, a similar one from [redacted] of $74.89 was charged. I had to change card numbers twice so far. A fraudulent Net Flix charge of $7.99 hit my second card number and they send me a new card a third time. I feel like Citi has done a poor job of protecting me.

It was re billed to my card because they say I did not respond to a letter they mailed in June. I never got the letter. So when it was re billed, I called and they resent the letter. This time I got it and filled it out, confirming that I was not connected to the charge. This was in early July. Almost two months of calling to get them to take the charge off!

On top of that, I have been calling almost every week for months to get this $150 paypal charge removed. The transaction information even sounds fake and phony, [redacted]. It says the charge was for "management and consulting services". Every time I call customer service says it will be a few days. It will for sure come off. Last I called was Tuesday last week. It was only going to be a few more days they said. It is a week later and still nothing. I am sick of calling. I have called over twenty times and talked with many people in the security department.

I am sick and tired of getting the run around. I am [redacted] and this has been too stressful. I want this charge removed immediately. Thanks.Desired Settlement: Immediate removal of fraudulent paypal charge of $150.

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 recently went to the three credit bureaus to have past due charges removed. The credit reached out to [redacted] Credit Card and they coould not remove the past dues.I supplied proof of unemployment as to the reason why I was past due which [redacted] rejected. My complaint is esssentially why I am being penalized by [redacted] for past due when I was past due through no fault of my own. I reached out to [redacted] and they could not even provide me a future safeguard against past due on my Credit Card with them because they said "that program is not being offered at this time." As a customer in good standing with [redacted] that is most unacceptable. I conveyed to [redacted] how these past due are impacting my credit and I was dismissed by Customer Service Representatives and Customer Service Representative Supervisors.Desired Settlement: I would like [redacted] to either have those past due dates removed from credit report or have a statement placed on my Credit Report by [redacted] stating that "[redacted] has been a customer in good standing and his past due dates that were incurred by Mr. John were due to no fault of his own but due to his untimely unemployment at the time and Mr.John since those past due dates has been making his payments on time."

Business

Response:

We have responded directly to our customer. If you would like to discuss the resolution, you would need to 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: A debit card issued in my name expired on 1/**. I called Citi prepaid on 3/*/15 and 3/**/15. Verified complete balance of $340 is on the card. This card is from my employer and I paid taxes on this amount in2014.The letter and pamphlet with which the card came states under expiration clause that it subject to fee of $3.00 per month and a reissuance fee of around $7. Thereis no mention of entire account balance being lost.I spoke to 5 people in 2 different calls and the response is that new card will not be issued And the money is gone. I explained that it is not stated that I will lose all my money. I requested they charge me applicable fees and give me the rest of my money. They rudely refused. This is wrong. Citi prepaid has $340 which is rightfully mine. They're a big company and it is a very tiny amount for them but a significant amount for me. I believe I am protected by some rule or law that they cannot just refuse to give it to me.Desired Settlement: Issue a new card after deducting stated fees for 2 months.

Business

Response:

Tell us why here...[redacted]?

Revdex.com

Case # [redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on March **, 2015 from [redacted] regarding a promotional prepaid card (not a payroll card) issued by Citi Prepaid Services on behalf of [redacted]. As a business that aims to provide a positive cardholder experience, we endeavor to resolve all cardholder issues in a thorough and satisfactory manner.

[redacted] states that her employer gave her this card and she paid taxes on it (the funds), that she was treated rudely and that there is a law that states Citi must reissue the balance.

After researching [redacted]’s complaint, it was confirmed that this prepaid card was issued in January 2014 with an expiration date of January **, 2015. In accordance with applicable law and regulations, this expiration date was embossed on the front of the card; displayed on the cardholder materials (i.e., “valid thru 01/**”); disclosed in the terms and conditions that accompanied the card with an explanation that the funds would no longer be available after the expiration date. In addition, we found no evidence of rude treatment when she contacted our call center.

We spoke with the customer on March **, 2015 when she related that her employer had misinformed her about the type of card issued; omitting that this is a rebate card. As a one-time courtesy, the account balance was reissued, less the card delivery fee of $6.95 for a total of $333.05.

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

Sincerely,

Review: 12/**/13 I purchased 2662.52 on 6 months no interest with the 0 interest expiring on 7/*/14. On 1/*/14 I purchased $439.53 on the 6 months no interest with the no interest period ending 7/*/14. On 7/*/14 I was charged $386.70 interest for the remaining balance. They continued to charge me on a monthly basis for the balance which had not been paid off.On 8/*/14 I purchase $1577.25 on the promotional no interest which expired 2/*/15 and $301.64 on the no interest which expired 2/*/15. On 8/*/14 I returned $23.83 of the $1577.25 purchase. On 8/*/14 I returned all of the $1577.25 purchase because the items were damaged on arrival. However[redacted] only credited me with $1,241.00 because they failed to refund the $312.42 extended warranty. I disputed this charge and on 10/*/1 I was given a "tentative credit" for the $312.42. Thus, of the $1878.89 purchased in August, I returned $1,577.25 within the first billing cycle. However, on 2/*/15 [redacted] charged me $235.04 accrued interest on the entire balance, although $1577.25 had been returned within the first billing period. They should have only charged me interest on the $301.64. I have sent multiple e-mails to customer service. On 3/*/14 they credited my account for $1241.00 then turned around and charged the $1241.00 which did nothing to address the problem.

Product_Or_Service: Kitchen AppliancesDesired Settlement: DesiredSettlementID: Refund

I want a refund of the $235.04 overcharge on interest which was incorrectly charged.

Business

Response:

We have responded directly to the customer on April *, 2014. If the customer would like to further discuss the resolution, may we suggest you contact 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.When the complaint got to the right person it was resolved very quickly. Thank you for your assistance.

Sincerely,

Review: This store offered me a special promotion offer, if I purchased something and, was approved for credit with there store. As long as my purchase was paid off in one year, there would be no finance charges. The in store finance department gave me a total amount that I would need to pay to complete pay off in one year that I agreed to. I had one late payment and made it up the following month. They told me they allowed one late payment and that would not change the agreement. After that I had this set up for automatic deduct from my checking account to avoid problems. The monthly amount they told me was short and now I HAVE TO PAY INTEREST ON THE LOAN. I called the company and told them THIS ISN'T FAIR BECAUSE THEY ARE THE ONE WHO GAVE ME THE MONTHLY PAYMENT TO COMPLETE IN ONE YEAR. NO ONE WANTS TO PAY INTEREST OR FINANCE CHARGES WHEN IT COULD AND SHOULD HAVE BEEN AVOIDED. The [redacted] told me that if I paid off the outstanding loan today she would waive the interest charge. I told her if I could do that I wouldn't have a balance now. She said this was all she could do. This company is a joke. THINK BEFORE USING THERE OFFERS. SHE WOULD NOT EVEN ADMIT THIS IS THERE MISTAKE ON THE MONTHLY AGREEMENT MADE. I SHOULD NOT HAVE TO PAY FOR THERE MISTAKE BY PAYING ANY ADDITIONAL CHARGES.

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

REVIEW YOUR FINANCE DEPARTMENT PERSONAL GIVING INCORRECT MONTHLY PAYMENT AMOUNTS TO CUSTOMERS.HONOR WHAT SHOULD BE MADE RIGHT FOR THE ON TIME PAYING CUSTOMERS.SUPERVISORS SHOULD REVIEW EACH CUSTOMER ACCOUNT ACCORDING TO THERE INDIVIDUAL ISSUES YOUR COMPANY MADE AND, MAKE IT WHOLE, INSTEAD OF LUMPING EVERYONE IN THE SAME BLANK.CORRECT MY ACCOUNT NOW WITH NO ADDITIONAL FEES INCURRED.STOP TRYING TO MAKE THIS MY FAULT.ADMIT WHEN YOU ARE WRONG.

Business

Response:

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

Review: Citibank transfered $1,904.00 on my credit card into a US Bank account to [redacted] account and want me to pay for there mistake. the money was suppose to be depositted into my US Bank but I never recieved it. I filed 3 fruedulent charges with Citibank but the keep telling me they cant do anything about it. This has been going on since April Citibank keeps (harrassing me) calling me about 5 times a day for a payment on the money I never recieved. US Bank informed me they are unable to retrieve the funds. I paid $60 to Citibak toward my bill in April and May before I found out they to my money out of my account and gave it to [redacted]. NOT SURE WHY THEY CANT GO AFTER THEM TO GET THE MONEY BACK ?Desired Settlement: Give me my unautherized money back that they took out of my accout and gave it to [redacted].

Business

Response:

Good Day All,

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

Regards,

Consumer

Response:

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

Citi bank has NOT tried to contact me ...they just keep calling me and asking for a payment for money I never recieved. They unautherized took $1904.00 out of my account and gave it to [redacted] and want me to pay for it. I have never heard of this Cororation and getting sick and tired of Citi Bank harrassing me about money they took out of my account and gave it to another person. They need to go after [redacted] for their money and return my money to my account ASAP. I WANT MY MONEY BACK AND NEED CITI BANK TO STOP HARRASSING ME !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

[Your Answer Here]

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:

The credit company continues to do nothing even though they unautherized a transfer of $1900.00 from my credit card and into an account I never heard of and want me to pay for their illegal actions.

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

Sincerely,

Business

Response:

Good Day All,

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

Regards,

Review: On 12/**/2014, I signed up for a [redacted] card at the [redacted] Mall in [redacted]. This was the worst decision of my life. I was told that if I Signed up for the card, I would get a $10 off coupon that I could use immediately. It may show up on my card, but would be removed before the first billing cycle. It was not. I called when I received the first statement and was told not to worry; it would definitely be removed by next statement. Today, when I checked the mail, I received a bill, plus interest, plus a nasty phone call saying I was past due. The first girl I spoke to said she didn't care if I contacted the Revdex.com and told me I made the purpose, the second girl transferred me to [redacted], whose ID number was [redacted]. He finally told me that it was a glitch in the system, and many people were having this problem and were in collections because their coupon didn't register properly. This glitch seems to be quite convenient for them. He said I may have to call a third time even though he waived the charges because interest may accrue in the middle of the month. Interest on a coupon. The stress and being late for work has created and undue toll on me. I am beyond frustrated and will never shop at a [redacted] store again, even though I was going to buy a mattress from there. Scamming everyone by blaming a glitch and putting people in collections because you never intended to award or honor the coupon promised in ludicrous. Someone needs to speak out for all the others out there that are being ripped off by [redacted]. I am beyond disappointed and demand a resolution to this incomprehensible matter.

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

I would like a notice showing my account zeroed out, compensation for the time and effort this "Free" incentive has caused me, and a formal apology for the frustration and toll this has taken towards me, my family and my credit.

Business

Response:

Case Number: [redacted]Hello:We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him/her directly?Thank you,[redacted] | ID [redacted] Executive Response Unit

Review: I increased the amount of the regularly scheduled auto-pay for my Citi Expedia credit card to $100. Instead of updating the existing auto-pay, a new one was established for my old bank account. On November [redacted], Citi proceeded to draft 2 payments from 2 separate bank accounts. The new $100 auto-pay drafted on my old bank account caused an overdraft. Due to this issue, my bank charged me a returned check fee of $36 and Citi charged me a return check fee of $25. I contacted Citibank when I returned from a cruise on November [redacted]. I explained the situation and via Secure mail was assured the $25 would be credited back to my account. When I stated I also wanted the fee that was charged by my bank, I was told to fax the paperwork for review. I faxed the paperwork 2 times, then on December [redacted] received a response Citi could not handle the request via Secure Mail. I call customer service and spoke to a representative that stated that the $25 would be credited when it posted to the account at the end of my billing cycle and she was also going to follow-up regarding the $36. It is now December [redacted], my billing cycle closed on December [redacted] and I have received zero credit for the $25 and no contact from Citi regarding the $36. This type of customer service is absurb. My credit is being ruined over a system error that they are not willing to take responsibility for. It is a small amount of money, it is the principle of the matter. I would like to be credited for the charges due to this error and I would like an apology.Desired Settlement: I would like the $25 return check fee credited back to my account and a refund for the $36 overdraft fee that was charged to my account. In addition, I would like an apology and the customer service agents educated on how to handle these type of issues. I have every message that was sent via the Secure Message, I also have the bank statements that show that 2 different payments ($100 and $63) were drafted out of 2 different bank accounts on the same exact day . the $100 payment resulted in an overdraft of $36 the 1st time it was submitted, but subsequently cleared on the 2nd attempt. I can fax all paperwork to show the exact sequence of events.

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]. The business has refunded all the fees associated with this issue, therefore the matter has been resolved. Thank you for your help with recouping the monies.

Sincerely,

Review: On January [redacted], I made an online payment specifying the payment should come out of my [redacted] Savings Bank account. However, the system defaulted to my husband's [redacted] account instead. Since his account does not have sufficient funds, we were charged $35 twice by [redacted] since the payment tried to go through twice. I contacted Citibank online via chat and the representative told me that once it has gone through the bank twice, the payment would be returned to Citibank and I can submit a new payment then. When I checked the [redacted] account last night, the [redacted], the payment was finally returned to Citi and the [redacted] account finally showed a positive balance. I used the balance to pay various bills. However, overnight, the payment for Citibank went through [redacted] again and the account is showing a negative balance yet again. The bills I paid last night are getting processed today or tomorrow and I'm getting hit with more overdraft fees. I've contacted Citibank again and they told me there is nothing they can do to help even though I am only getting charged all these overdraft fees due to their faulty online payment system.Desired Settlement: Since Citibank took the payment from the wrong bank account to begin with and caused all my overdraft fees, not to mention possibly affect my credit score, they should be responsible for paying them.

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: Paid off my truck and received my title but lost it now I'm trying to get a copy of it but you you still have a lien on my truck 2001 ford ranger.

Listed on previous question.Desired Settlement: My title

Business

Response:

Weare in receipt of your correspondence forwarded to CitiFinancial Auto by the BetterBusiness Bureau regarding the above referenced vehicle. We appreciate theopportunity to address your request. Please be advised that our recordsindicate that upon payoff of the account, CitiFinancial Auto released the originallien and mailed all release documents to the address of record on or about 04/**/2006. Enclosed please find a lienrelease form that may be presented to the motor vehicle department for removingCitiFinancial Auto’s lien on the referenced vehicle.

Review: Last year I received a letter stating that my [redacted] Card would be transferred to a [redacted]. At that time I called [redacted] and said that I didn't want a [redacted]. I was told that it didn't have to be transferred. I just recently found out that it had been transferred anyway, although I never received a [redacted]. I called and asked that it be transferred back and was told that they couldn't do that. I mentioned that I had called when I got the letter and they told me that I hadn't called. I asked to speak to a manager, but was told there wasn't one there. I find that hard to believe that there was no manager there to speak to me on a weekday morning. I asked that a manager call me back and asked what number they had on file for me. I was told that they couldn't tell me. So I gave them my cell phone number to call and even made the girl read it back to me. I then asked if that was the number they had on file for me and she said it was. I never received a response. I have had [redacted] credit card since 1995. It's sad that I'm a long time customer and am being treated so poorly.Desired Settlement: I want the [redacted] transferred back to the [redacted] Card. I don't want to open a new account. I want my credit history intact and under the same card number I have had for all these years.

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]

Review: In September of 2014, I received a phone call from [redacted] credit that I was overdue on my payment. I was surprised, as I had made the minimum payment online prior to labor day weekend, and expressed this to the customer service rep. I asked what I needed to do to bring my account current, and he said he could put me on a payment plan where I paid $109 for 3 months. This would put me current and in good standing with my account. I was concerned about this as I was doing what I could to keep my credit up, and didn't want them to close the account or to keep reporting that I was late.

The payments were taken out on the date they were agreed upon, and the plan was fulfilled. I thought all was well.

In December, I called to see what I needed to do about my next payment since the plan was complete, and expressed that I wanted to keep the payment plan going. I also requested a new card as my card had expired in November of 2014 and had yet to receive another. The customer service rep lead me to believe that I was all set, and was continuing my payment plan. He then informed me that [redacted] had decided to not renew my account, therefore it was closed. I wanted clarification, and without my knowledge, was transferred to an outside credit company to which I was disconnected as it was after their business hours.

I was upset and confused, as I was told before agreeing to the payment plan, that if I fulfilled this payment plan (to which I did), that my account would be in good standing again. This was not true and a complete deception.

On top of this, in February 2015, I find out that my payments did not continue as I thought they were in January as I thought they were from my conversation with the representative. I immediately made the payment to bring my account to good standing.

On Feb. [redacted] 2015, I followed up with a phone call to [redacted] customer service about this error on their behalf. I then dealt with a very apologetic, very nice representative, who refunded the Jan. late fee due to their error, and said that I would be receiving a letter in the mail within 7-10 days indicating this reversal, and that it was due to a customer service error. I was very concerned about my credit, and was told that this mistake made by [redacted] Credit would also be reported as their mistake to the credit bureaus, as well as my account being in good standing, which would be reporting on March *, 2015. I asked them to confirm this multiple times to which they did.

On March **, 2015, I still had not yet received the promised letter stating their mistake. I ran my credit report, and not only does it not show the corrections for their errors, it shows that my account is past due which it is not.

I called customer service (3/**/15), who then told me that they can not write such a letter indicating their mistake at all (lie). But they can verbally "guarantee" that my account is in good standing, just can't write a letter or report this good standing to the credit bureaus (another lie, I am waiting on this doc now per the last rep I talked to). It turns out the promised letter was never mailed, and a letter stating nothing of what they promised, was sitting in my online account all along.

I was then transferred to the "top account manager" who said he could only send one of these letters if he had "proof" of the rep's mistake. As he saw nothing in the notes, he couldn't do it. It is not MY fault that a [redacted] Rep did not notate this down or fulfill what they are supposed to.

I was later told by this rep that he could never send out a letter stating [redacted] made a mistake, even if he had proof the rep had said so, another lie.

Lastly, going over my statements, I see that during this agreed upon payment plan, I continued to receive late fees even though I was making the agreed upon payments.

This whole fiasco has severely hurt my credit. It seems as though [redacted] Credit will simply tell the customer whatever they want to hear, whether it iDesired Settlement: I want [redacted] Credit to retract the statements from my credit report from January that I was late as it was due to their customer service error.

I want my March credit reports to also reflect that I am in good standing and not overdue as it currently states, as it is undisputed on my account, statements and their "verbal guarantee" I am in good standing. I want a letter from [redacted] confirming this as well. (this letter was promised in my account on 3/**/15, and am still checking for it)

I

Business

Response:

[redacted]Hello and Good day,We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him directly. [redacted]Boise 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:

They did nothing to reconcile this matter. This company has mislead and lied to me multiple times, and will not own up to it. It is affecting my credit and all I want is for them to retract the negative reporting from my January report, as their customer service representative mislead me to believe that they were helping me, which was untrue. They did call me, only to notify that they won't do anything and had zero intentions to do anything to come to a solution. I am continuously appalled by this company and regret ever working with them.

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:

They keep referring to dates back in September. My complaint revolves around Dec-February activities. They are doing nothing to reconcile this. They sent a letter to me referencing a payment plan set up between them and myself back in September. I am not arguing that a payment plan was set up. I fulfilled the payment plan as agreed to. I am complaining because I asked to continue the payment plan but instead this didn't happen, and it was reported to the credit bureaus that I missed payments in January. THIS is what I want fixed. Their customer service apologized to me and told me it would be fixed numerous times, and it never was.

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

Sincerely,

Business

Response:

[redacted]Hello and good day,We have corresponded directly with our customer. If you would like to further discuss the resolution, may I suggest you contact him directly. [redacted]Boise Executive Response Unit