Citi

Review: I didn't receive an item I bought, I provided proof to the bank, but they didn't approve the dispute. I bought 5 ipads from a merchant on [redacted] on 12/**/2013, for the amount of $1845.00, the merchant shipped them via [redacted], however it never arrived to the destination, I contacted the seller a couple of times but they didn't want to refund me the money, [redacted] confirmed that they actually paid the merchant for the loss, I provided city bank all the proof with documentation form [redacted] confirming everything but they refused to dispute this charge, I contacted them again and they told me that because the charge is to old they can't dispute it, I told them that other credit cards will dispute it, after some time they gave a credit of $250.00, there is no reason they shouldn't credit me the full amountDesired Settlement: I want a full refund of the amount 1845.00

Business

Response:

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

Review: I had a citi credit card long story made short went through some personal problems and my wife had a still born, the insurance didn't want to pay for that and we were in deep problems with over 20k in bills. I worked out a deal with citi but still paid the FULL AMOUNT and they said they would take care of reporting to the credit agency paid on time for those months I fell behind. It's been several months now and my account that I had ending in [redacted] is still being reported as late all those months they said they would remove and it's reporting a deal made for less than owed which isn't true. I'm trying to contact the business before mailing a letter to the Revdex.com to see if they can help me out because at this point I don't even know who to contact about this issue. It's affecting my score bad. Can I just reopen this account to see if it helps?Desired Settlement: I would just like citi to keep their word since its been several months now and they have not fixed the issue. My credit report is still showing that I paid out a deal with the company for less than what I owed, which isn't true. And it's still reporting the months they said they'd would take off and put paid on time. Yet it's still showing late all those months.

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: First, I only selected the topic above because it is the only one that most closely associates with my dilemma. I opted out in March to stop receiving unsolicited mail, such as preapproved credit card agreements. They stopped for a while. However, in just these past few days (last Thursday or Friday and again today, Tuesday) I have received two preapproved applications from CitiBank. This is in violation what I signed up for when I opted out. Additionally, there was no number provided for me to contact them to ask them to stop sending the applications. I called the numbers that were provided on the papers sent, but I could not get a live operator. I also searched online to no avail. I am really upset with this company and they need to stop sending me these applications. It is a waste of my time to open them and shred them, and someone may possibly intercept them causing damage to my credit.Desired Settlement: I would like someone to contact me to apologize and assure me that these mailings will cease. Thank you.

Review: Citimortgage sent an offer to reduce the interest rate on an existing mortgage. All paperwork was completed and received by citi before the offer deadline was reached. Citi has been dragging out the decision to grant or deny the reduced rate by requesting one piece of additional verification or explanation at a time - as each request is answered a new request is submitted. Examples - w2, paystubs and credit report were sent as requested and on time. Citi then required proof of employment from my employer, another paystub, and because they have dragged this out so long they had to get another credit report - all this interspersed with other requests for info. Since the deadline has passed which locked in the lower rate I am now being charged almost $12 per day to keep the interest rate locked at the offered low rate.Desired Settlement: I would like a decision made one way or the other - yes or no, and I would like any penalties or fees incurred in this overdrawn process to be refunded.

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 client listed below.

Mortgagor: [redacted]

Property Address: [redacted]

[redacted]

We have investigated this matter and addressed [redacted] concerns with her 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

Review: I received an offer from Citi which said $250 CASH for applying for and new citi card and spending $1000 within the first 3 months. I opened the account and made the qualifying purchase. Since then I did not use the card for a while, but last month when I logged into my account I found that Citi took away that $250. I called the customer services and was told that Citi card has the conditions that dividend rewards got expired with 12 months of no activity. I asked why should $250 opening bonus counted towards dividend rewards, and the customer service representative said that Citi should have sent me the $250 check when I met the expense requirement but they forgot to do so, and I would hear from them in 3-5 days regarding when they were going to send out the check. I waited for 5 days, and no response at all. I called again and this time I was told something totally different. The CSR, the [redacted] and the [redacted] arrogantly insisted that the $250 was dividend rewards and was forfeited. I can not understand why the $250 opening CASH all of a sudden became dividend rewards. Furthermore I looked at their webpage but could not find the terms of dividend rewards and was directed by the CSR to the back of the statement. At the very least, Citi should make such extraterrestrial rule noticeable. After all such tiny letters at the back of the statement would not have attention of most people. In addition, Citi refuses to provide any way to solve this issue which makes their customer service, from bottom to top, so incompetent. In a word I do not understand why CITI, doing business in such a way, could stay in business for so long.Desired Settlement: I do not argue for the dividend reward I earned on previous purchase, but would want to the opening cash bonus back. I do not want to feel robbed by CITI.

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]They called me but still insisted that the opening bonus is dividend dollars, so I asked them to show me something in written that could explicitly support their assertion, such as my original application or the terms associated with my card. Since then I have not heard from them any more.

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.

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 received the Terms and Conditions sent from CITI. I read it from the first to the last word, twice, but can not find anywhere that mentions the opening bonus is regarded as dividend rewards. In fact, in the Terms and Condition, it explicitly lists cases in which dividend rewards are earned but does not include the promotional opening bonus as one. As such I believe I did not get any useful information from CITI to solve this issue. I also asked the lady from CITI to direct me to any written material that could support her assertion, but she did not. She also said she refused to reinstate $250 even if she could not find anything to justify their early seizure. In words, there is not any progress yet. And I feel the lady from CITI is not in the attitude to solve this issue.

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

Sincerely,

Review: when I opened my citi forward card, I was explained a benefit for cellular telephone protection upto $250 after $50 deductible. provided I pay my monthly bill with citi forward card. recently my iPhone got water damage and I called citi to file a claim. the representative I was talking to wasn't aware of this benefit but she did find it listed under my a/c. upon further research she told me that this benefit was discontinued in 2014. I had never received any such notification, so I spoke to supervisor. he kept repeating that I should have been sent notification of this change. though i'm very careful about going through communication from banks, he claimed the mail could have been lost for any reason. but the fact that the benefit was listed on my a/c makes me feel that citi did some goof up and never actually informed me. Due to the belief I had this coverage, I kept paying monthly invoice on this card and didn't buy separate coverage for the phone.

in fact when I searched for citi forward benefits, the citi website still showed this benefit. thankfully I took a printout on Feb [redacted] 2016, now citi has removed the page.

I had requested the supervisor a callback from his manager, but never heard back.Desired Settlement: since citi failed to inform me about the coverage discontinuation, should pay the promised benefit of $250. I do have receipt totally repair charge of $329+tax

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.Thanks to Revdex.com for facilitating the communication!

Sincerely,

Review: I have been a long time Citi customer. I pay on time and receive mail offers all of the time regarding 0% interest offers. However, the last two times I have inquired regarding reducing my interest rate I have been declined. Why send me offers I can't use (cant transfer Citi to Citi for balance transfer, Ive been told)? And, make me offers that you are not willing to honor for an existing customers? I pay timely and have always paid timely. Relief should be given, in light of the offers you continue to send me and I would like to pay this balance down.Desired Settlement: I would like either 0% interest for a period of time to return to no worse than my current interest rate.

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:

[I have not received any contact from Citibank.

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 discussed resolution, verbally, which involved reducing my interest rate for 1 year. 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: On December **, 2013 I consolidated some bills. I called and got the payoffs and submitted necessary documents to the bank. The transaction was completed within 3 hours. On March **, 2014 I receive a letter address from Citi Card. Another Citi Card account was paid off in the same transaction, but the information on the letter reflects my sears card information. I talk to three persons at the contact number and was informed that the payoff was processed on January **, 2014. I asked why did it take so long to process. The reply was thats when the bank sent it. I addressed that issue with the bank and their response was that transactions were final the day I signed it. Any Suggestions!Desired Settlement: DesiredSettlementID: Other (requires explanation)

The date of transaction to be final and no payment due.

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: Trying to set up the 'Credit Card Spend Alerts' for my Citibank 'Cash Back Credit Card'. That number does not show up for the 'Credit Card Spend Alerts'. Talked to Citibank customer service says 'Sorry that it is not working for you' and that Citicards has to set it up for it to work. Told me to call up Citicards and they help me. Called Citicards and they told me that there is nothing that they do and that it is an on-line problem and to call Citibank customer service.Desired Settlement: Want to stop getting the run around with different people pointing fingers at each other and somebody to take responsibility and tell me when it is fixed so I can set up 'Credit Card Spend Alerts' for my 'Cash Back 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 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 heard from Citibank yet.

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

Sincerely,

Business

Response:

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

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: Re: credit card ending in [redacted]. I called to cancel this credit card effective immediately at 8:11 PM on 5/**/14. Of course it always takes a couple minutes to get past the automated crap but then I was connected to "[redacted]". I then told "[redacted]" what I wanted and she asked me why. I told her why although I don't think it's any of their business. Anyway, she couldn't help me either so she transferred me to "[redacted]" with whom I had to go through the same steps again. By now I have lost 6 minutes and 29 seconds of my life which I shall never get back.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want my credit card cancelled immediately. It should not take 90 days and not even 90 seconds to delete my information from their computer system.

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 received a payroll card from my employer which is provided by Citigroup, I lost my card on July [redacted] in which I called the customer service department that they have set up to order your card I was supposed to receive my card in three to five business days which at its greatest would had been the [redacted], I called on the [redacted] informed the agent that I did not receive my card, they advised that give it another day, I gave it three extra days and called on the [redacted] to express the fact that I still haven't received my card and that I would like to now pay the $15 to have delivered express mail which would take 3 business days which would be Wednesday the [redacted] today, and I just got off the phone with a supervisor who informed me that it was shipped regular instead of expressed I requested express for a reason such as bills have to be paid and to avood late fee like for my rent which is a $250 late fee if rent is received after the [redacted], I have not mentioned all the times I've called after requesting that it be shipped express and the customer service agent and supervisor both stated that that they do not have a tracking number and that [redacted] did not provide one I was told originally when I requested the express shipping on the [redacted] by the customer service agent that there wasn't a tracking number and that it would not be available until the next day I knew that this was not possible and just didn't sit right, my point being the company lied to me repeatedly about my card neing mailed express and that they looked to follow there own rules instead of that of the customer in this case its going to cost me an extra $250 which I dont have a late car payment all because they choose to ignore my wishes and then lied to me both supervisors and the customer service reps, and when asked for corporate information I was told that they did not have this information available which I believed to be a lieDesired Settlement: I want to be reimbursed for my $250 late fee as to me from my land for filing for late fees in court

Business

Response:

August **, 2015 Revdex.comCase # [redacted] To Whom It May Concern: Citi® Prepaid Services received the complaintsubmitted on August **, 2015 from [redacted] regarding a prepaid card issued by Citi Prepaid Services on behalf of [redacted]. As a business that aims to provide a positivecardholder experience, we endeavor to resolve all cardholder issues in athorough and satisfactory manner. [redacted]

[redacted] states that she lost her prepaid card on July [redacted] andcontacted our customer service department and requested a new one. This card was issued and mailed via regularmail but was not received by [redacted] due to the address on file having theincorrect apartment number. [redacted]followed up with our customer service department on August [redacted]. Shecorrected her mailing address information and requested another card be issuedand delivered via express shipping at a cost of $15.00. The agent who fielded this call did notprocess this request correctly which resulted in the card being issued anddelivered via regular mail. This cardwas mailed via regular mail to the corrected address of record on August [redacted]. Inorder to confirm that [redacted] received her new card, we called the numberprovided on August **, August ** and August [redacted] and left a voicemail on eachattempt. It appears she has received this new card as we have not heard backfrom [redacted] and transactions have been occurring on the account from August**. Wehave reversed all express shipping fees surrounding this card reissuance andapologize for any inconvenience this may have caused. [redacted]

[redacted] may contact a dedicated service agent at ###-###-#### between the hoursof 9:00 AM and 4:00 PM EDT, Monday through Friday to discuss additionalquestions or concerns surrounding this inquiry. We regret that [redacted] encountered thissituation. If the Revdex.com should have any additional questions, please feel free tocontact me at the number and information found below. Sincerely, Leanne J. K[redacted]Customer Service Manager, CS OperationsCiti® Prepaid ServicesCiti Treasury and Trade Solutions(P) ###-###-####(F) ###-###-####[redacted]

Review: I have been contacting Citi Bank/ CitiCards for some time now. There are multiple credit inquiries showing on my Experian Credit report that are inaccurate. I have written Citi Bank several times asking them to delete the inaccurate inquires that I made - and they would respond with a generic letter stating the date of the inquiry and nothing else. They are just sending out a automated response to my written letters. I have never inquried for credit with CitiBank. The inquries showing on my Experian report from Citi are as follows - CITI CARDS/CITIBANK DEC **, 2014, SEARS/CITIBANK - NOV,**, 2014, [redacted]/CITIBANK NOV **, 2014, CITI CARDS/CITIBANK NOV ** 2014, CITI BANK NA [redacted] NOV, ** 2014, CITIBANK NA [redacted] SEPTEMEBER **, 2014, [redacted] CITIBANK JULY *, 2014, CITICARDS/CITIBANK JULY [redacted] 2014, CITI BANK NA [redacted], JULY [redacted] 2014, CITI CARDS/CITIBANK JUNE * 2014 CITICARDS/CITIBANK MARCH ** 2014, CITI CARDS/CITI BANK FEBURARY [redacted] 2014, CITICARDS/CITIBANK DECEMBER * 2013, [redacted]/CITIBANK DECEMBER *, 2013, CITBANK NA [redacted] NOV, 2013, SEARS CITIBANK, NOVEMBER ** 2013, CITICARDS/CITIBANK MARCH [redacted] 2013, CITIBANK, FEBURARY * 2013.

These are the above inquiry dates that are on my report that I never authorized, or made. The only Credit card I have with CitiBank is a shell gas card, which I left that inquiry out of the above list as it is accurate. I have written CitiBank several times about the inquires that I never made. They will not respond.Desired Settlement: I would like CitiBank to remove all the inquires that I have listed above as I never made them. They are inaccurate and never made by myself and should not be on my reports- for any of the 3 credit bureaus. I demand CitiBank remove all the inaccurate inquires from my reports at once. Thank you.

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 applied for a credit card at a ford dealership in january of 2014. I was told I would be notified if I get the card later as I was having service done to my car. I had to present a nother credit card at the time. The girl missdirect all my billing address information and phone number and I never received any contact about the card. 7 months later I get a card from citi bank stating I owe this money and its delinquent. It was consider an account takeover attempt by the fraud dept after continues harrassing phone calls from them, in which I asked them to stop calling and I was working with the fraud dept during an the investigation.inbetwwen time they said they would not report to the credit bureaus but continued to as part of the harrassement. Eventiually [redacted] in the Citi id theft dpt. worked with me to protct my identy and to come up with a temporary resolve of 20 dollars a month and they would send a statemnt every month.1st satatemt came today sept[redacted] saying im 2 months late.I have harrassed by them and it has made me lose credit and a reduction in my credit by my other creditors because of their late and delinquent reportings to the credit bureau.they also increase the payment from 20 to 25 dollars and are reporting me late payment.I have lost credit and and it has affect my other creditors view of me. one of my creditors reduced my credit limit because of there unfair reporting.

Product_Or_Service: ford credit card and automotive work

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

This has an ongoing harrassment of collection on their part. even after I asked them not to call speaking to several diffrnt managers over the last couple of months they continue to discredit my credit worthyness.because it had got to the point of it felt like extortion, I agree to start paying something on the condition they would start out fresh and stop reporting unfair credit reporting, they stated the girl accidentally transpossed my addres

Business

Response:

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

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 reviewed there response and I approve for the better buisnes bureau to mediate for me in this matter. I have been intimidated and harrassed in this matter. My credidit and the loss of credit has beed effected. Even after them aknowledging I did nothing wrong and not to call me about the collection of this matter they continued after I had spoken to management to stop the harrassing calling. I lost the credit card I applied for and one of my other credit cards reduced my credit. While they were investigating my case or the account take over by the salesperson they said they would stop reporting to the credit bureau, they continued. I agreed to make payments to stop the negative reporting and they said I was late before I could even send they could send the statement to me to make the payment and demanded 2 months payments after only one week of the phone call. i"m writing this on 9\**\14 at 4:38pm. this is my first notice time from the Revdex.com. my loss of credit and the reduction of my credit by another one of my creditors far exceeds the collection amount their seeking along with the harrassement.

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]

I have attemted to resolve the issues with citi bank. they took what we negotiated and changed it and there still is some negative reporting on my credit report. I authorize the better buisness bureau to act on my behalf on all levels as well as have total access to all information needed to resolve this dispute. Citi bank has treated and continue to treat me unfairly. I will continue to make the payments for fear of Citi bank reporting negative things to my credit. I lost out on credit that I applied for and never received. I never got a credit card and only recently am I receiving a bill but still no credit card in which apparently I earned. But because of negligients on fords behalf my information compromised and sent to an inapproiate address. Then they helped me enroll into a credit protection planned for free in which they just stopped that. Whos to say the address in which they sent all the bills and information to doesnt missue that information at some later date. They did not give me the credit card, harrassed me with collection calls and were rude on many levels when I tried to resolve the issues. They were totally in fault in me not geettting the credit card and securing and protecting my information. Sign [redacted]

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 Ford Service Card account. Due to privacy concerns we are unable to release customer information to the Revdex.com. We have responded directly to the customer.

Review: I have automatic payments set up to come out of my personal banking account to the citicard acct monthly..I have been paying on this for years!..I noticed the paper bill only has the last 4 digits of my acct number on it.. I called (because I only have 17$ left to pay and did not want the automatic payment to take the 83$ that it does, so I called customer service and the gentleman has NO RECORD of me in his system by name,social,phone # etc..so where the [redacted] has my money been going all these years??????? I asked to speak to a manager and was told quote:"he is not going to be able to help you anymore than I can"..I argued with this man for 10 mins, he then said he would"transfer" me and forgot to put me on hold..then says to me.."call the Revdex.com to get your full acct number and call me back, my manager is in a meeting....im so confused and pissed! help!Desired Settlement: I want someone from the company to fix this and tell me what happened,where my money has been going, and who has my info then??? we are talking thousands of dollars. I will pursue this in other matters if I have to..thanks!!

Business

Response:

We will be corresponding directly with our customer. If you would like to further discuss the resolution, may I suggest you contacthim/her directly.

Review: I have contacted Citibank to reach a settlement on my credit card, account number ending in [redacted] and under my information, [redacted], DOB 1-**-81, [redacted]. For my pre-charge-off, past due account I was transferred to United Collection Bureau, UCB.

Previously, UCB has failed to remove a phone number that is not mine, despite three requests from that person for the number to be removed. [redacted] at UCB stated there is no record of those three requests. She does state now that all numbers outside ###-###-#### are removed.

[redacted], [redacted] supervisor says that Citibank must approve any account settlement beyond $5300 to be settled within 83 days.

But, I cannot speak to Citibank because I am immediately sent back to UCB. In [redacted]'s own words, "You are in a catch 22."

I would like to honor my debt obligation to the best of my ability. I am currently not working and have multiple medical issues occurring, which brought me to this situation. But again, I am hoping to make good on my obligations to be the best of my ability and cannot due to UCB's contact with Citibank.Desired Settlement: I want to settle my Citibank credit card for a sum and timeline that I can afford since UCB is not allowed to settle below $5300 and I cannot reach anyone at Citibank. (The "Catch 22" mentioned by UCB above.)

The money for settlement of this debt should stay with Citibank, rather than the extreme fraction of this amount that Citibank would receive in the charge-off sale of this debt to a collector.

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: In September, 2014 I received my CITICARD statement that informed me that my next AutoPay payment would be $1,150.51. Instead of that on 11/**/2014 CITICARD draw from my bank account $4,420.63 without informing me. I was overcharged by $3,852.00.

I had called CITI customer service numerous times and explained that eight years back in 2007 there was a dispute case on my account and that dispute was resolved with merchant by CITI at that time. Since then I didn't have any disputes and my account was settled.

In November, 2014 CITI had credited my account and returned partial $3,270.12 to my bank account. In December 2014 CITI again charged back my credit card account for the same amount.

I had forwarded to CITI four letters and explained in my correspondence that the charge was wrong and requested to remove it from my account.

I did receive from CITI a letter stating that they had opened investigation in my dispute and billing error.

Since then passed over six months. I had been receiving calls from CITI almost every day about unpaid balance on my account. Every time I had explained that my account was under investigation as I was informed by CITI letter from December, 2014.

Then on 6/**/15 I had received CITI email informing that my account is “about to charge-off”.

I had called that day and spoke with Sharon from security department. I was told to forward information pertinent to my case to Security Division. I had emailed all requested information and attached my correspondence to CITI including last letter dated 5/**/15 with request to respond within 30 days as per Fair Credit Billing Act. I didn't receive any response to my email.

On 6/**/15 I had received CITI second email informing that my account is “about to charge-off”. I had called the same day and spoke with manager Chris from Billing Dispute Department. Chris said that my dispute is still under investigation and that he would call me back in a week.

On 7/*/15 I had received CITI third email informing that my account is “about to charge-off”. I had called that same day and spoke with manager Matt (#[redacted]) from Billing Dispute Department. After consulting with somebody while I was waiting on the phone, Matt told me that due to the dispute being long time ago, CIITI can’t help me since they don’t have any records left. I told Matt that the 2007 dispute was resolved and that I was informed by CITI at that time and that CITI never charged my account for almost eight years until November 2014. Matt said that I can go to other agencies for help to resolve my dispute with CITI. I asked Matt to provide a formal CITI response and he said that he would prepare and sent to my home address. It appears that CITI did not have somebody working on my case and every time they were providing different responses that were conflicting.

It had been over six months when CITI informed that they had opened investigation. It looks like CITI decided to ignore the dispute and won’t provide a response with explanation for overcharging my account.

I am filing my complaint and asking to help to resolve this billing overcharge that CITI imposed on my account for dispute that had been already resolved eight years ago.Desired Settlement: I would appreciate CITI correcting a billing error and and provide a refund for overcharged amount $3,852.00 on my CITICARD account.

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:

[Your Answer Here]I didn't receive any response from CITI. In my last phone conversation on 7/*/2015 with CITI customer service they promised to send a formal letter response. I didn't receive any response.On 7/**/2015 I received a call from collection agency CLIENT SERVICES INC and a formal letter on 7/**/2015 on debt collection issue from CITI. I had forwarded to collection agency all information requested.CITI didn't call directly or responded in any way to resolve the issue. They had provided incorrect response.

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: I had a 36 month plan to pay with no interest. There is no place on my statement that indicates wheh the plan expires. They charged me $1,600 more t

They charged me $1,600 of interest on a total purchase of $2,400. Thats almost as much as I originally spent. After thirty 36 months, they could have given me notice. But it is not mentioned any place on the statement.Desired Settlement: Charge me insterest on what I owed not what I've already paid. Also, why can't they give the consumer notice. After 36 months I couldn't remember.

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]

Review: I am tired of all the fees your bank charges! I was lied to when your representative opened the account. I was never told of a $12 monthly service fee. I was told I would have a joint account with my girlfriend and instead he opened a separate account causing me more fees due to not having the minimum balance. I finally decided to get rid of this account and now you have hit me with more fees sending the account into the negative before even having a chance to get to the branch to close it. I have no intention of paying any more fees to your bank.I want a refund of ALL my bank fees since opening the account. The amount is $292. I am owed this money due to the lies and deceit from the bank representative. In addition, the poor customer service I consistently received when trying to resolve these fees from a customer service representative.The account in question ends in [redacted], thank you.Desired Settlement: I want a credit to the account or a check in the amount of $292 issued to me. In addition, I want the account ending in 1930 closed.

Review: Acc# [redacted], company demand payment($5,132.25) on account that were sold during sell of property on about 2006 and paid in full during time of sell, company fail to correct administration/ paperwork error of unknown account infor, wrong land description of property, incorrect billing address used of another property that was not mine, charges and payment with to wrong account/ filing, over paid company since 2006, improper lending practices, company violated Fair Credit Billing Act and FDPA, company fail to justifie or itemize validation of debt per FDCPA 1692g, company over charged/billing in the amount $12k+, continue unauthorized debit account with known facts account was sold in 2006 since to current dateDesired Settlement: demand close account, refund all overcharges and correct error reported on file

Business

Response:

Dear Ms. [redacted]:

We are in receipt of your correspondence dated November **, 2013, regarding [redacted] Neil [redacted]' OneMain Financial account

and appreciate this opportunity to address his concerns. We have had an opportunity to research the issues raised and offer the following response.

Our records indicate that [redacted] originated a home equity loan with CitiFinancial's Florence, Kentucky office on October **, 2004 with

a principal balance of $13,280.20 and interest rate of 14.14%. The loan was repayable in 120 monthly installments consisting of an initial

payment of $212.60 and 119 payments of $207.39 each and was assigned account number [redacted]. Due to the closure of the Florence

office the loan was transferred to the other Florence, Kentucky office on July *, 2009 and was assigned account number [redacted]. Please be

advised that as of July *, 2011 the Florence office began operating as OneMain Financial. For your review I have enclosed a copy of the Disclosure Statement, Note and Security Agreement, Mortgage, Settlement statement, Itemization of Amount Financed, and Notice of Right to Cancel.

Regarding [redacted]' concerns that the loan should have been paid off due to the sale of the home in 2006, our records

do not indicate that OneMain Financial or CitiFinancial ever received any payment from the proceeds of the sale. A review

of [redacted]' loan indicates that in April of 2005 the CitiFinancial Florence office received a phone call from Tri-State

Title Company, who indicated that the legal description on the mortgage was correct but that book and page number were in reference

to another property. The OneMain Financial Florence office is currently processing a release of lien on the incorrect mortgage. While there

may no longer be a lien on the mortgage, [redacted] is still obligated to repay the loan as per the terms of the loan contract that he signed.

In reference to [redacted]' concerns that he over paid on the loan, that OneMain

Financial over charged on the loan, and that unauthorized debits were made from his bank account,

we respectfully deny those claims. As stated above no proceeds were received from the sale of the home to payoff [redacted]'

OneMain Financial's loan. Also, [redacted] continued to make payments on the loan after the home was sold without

any objections and all payments received from [redacted] have been processed with his approval. For your review, I have enclosed

the account payment history. The second column lists the amount of each payment, the third and fourth columns

provide a breakdown of how the payment was applied to interest and principal, the fifth column

lists the remaining principal, and the sixth column lists the days between payments.

Please be advised that [redacted]' loan is a simple interest daily accrual account.

The interest on this type of loan accrues on a daily basis. When paid on-time, a portion of the monthly loan payment goes first

towards paying the interest that has accrued on the principal since the previous payment with the remainder, if any, of the payment

being applied to the principal. The amounts applied to principal and interest can fluctuate from month-to-month based on the number of days that have elapsed

between payments. In order to meet the terms of his loan agreement, [redacted] is required to make a payment every thirty (30) days to satisfy

Jan [redacted] Page 2

the interest due and subsequently receive a principal reduction. When he does not make a payment when due, interest continues to accumulate on a daily basis.

While we continually strive to provide a superior level of service to all our customers and we regret we

were unable to meet [redacted]' expectations. Should [redacted] have any further questions

regarding his loan, we encourage him to contact [redacted], manager of the Florence office at [redacted]. Should you have questions regarding

this letter, please feel free to contact me directly at [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: Its no tmy fault that the company failure to send funds during sell of property and also I had no ideal nor knowledge that company was debit account unauthorzied until such issue arised, I will not pay company another dime due to predatory lending practices,failure to "Produce the Note", Validation of Debt per FDCPA 1692g (ITEMIZED Billing), Violate "Fair Credit Billing Act" w/ over charges/ incorrect billing procedures and shall not be held accountable for such errors by companies. Demand close account and never contract me again per FDCPA 1692c Communication with Collector"

[Your Answer Here]

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

Sincerely,

Review: This is pretaining to my billing in which had the amount of $42.00 taken out of my checking account since 2013 to try to pay this bill and to not to have any pass due fees... There was an agreement in which I agreed to. I had given them my account number for this transaction. I was called by a member of their staff or customer service office, we talked about the bill. This first thing that she says after asking to speak to [redacted] is that you are pass due on your payment.. I stated that I wasn't and there was an agreement to take this out of my account... Then at one point I talked to someone that was to have straighten this matter out... But all I have been getting is harassing phone calls... Ive been called 3 to 4 times a day about the same issue and I have asked them to go back over the agreement but only one person did that.... I stated that if they could not get this matter corrected then I would start sending the payments in instead of taking it out of my account... That is what I have been doing.. I just stopped answering the calls no would actually listen to what I was saying to them nor would they look it up. These phone calls are like clock work... [redacted], [redacted], [redacted]..... Still adding interest charges for what.They stated that I owe them over $150 dollars pass due and it started with $98.00

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

To settle this account and stop the harassing phone calls... I do have a document to state that the payments were auto taken out of my checking account

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.