Citi

Review: I acquired a Citibank AA advantage card via the Citibank website a[redacted]n order to take advantage of the 25,000 bonus mile awarded after 750.00 in purchases during the first three months. After meeting the requirements and contacting Citibank about the missing bonus, I was told they would open an "investigation". Citibank never contacted me about the issue. The Issue should be cut and dried since the same offer is still advertised on their site. I feel I was fraudulently lured into acquiring this card with Citibank having no intention of awarding the points.

Product_Or_Service: Citibank Advantage Mastercard

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

I want my promised bonus points.

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 find that this resolution is satisfactory to me and the matter has been resolved. Citibank has stated that I will receive the promised miles in mid-February.

Sincerely,

Review: Bought washer & dryer on same as cash basis in late August. Mid October realized I hadn't gotten a bill yet & called. Was promised they would send a document so I could get the invoice & pay as well as they would cancel late fees. Documents never came. Mid November I called again. Was told by that rep letter had been sent to my street address. The [redacted] won't deliver to my street address. This person would send it again. I received it & faxed the document with my letter 12/**/14. At this time I also demanded they let me pay for the washer & dryer however it was possible without telling me any information. I paid by giving them my checking account number & information and they removed all finance charges & allowed me to pay the original receipt amount. NO response to the 12/** letter. Checked my credit report on 1/**/15 & saw they were reporting me 60 days late but, the account was showing paid. Called again that day to get resolution & was told the 12/**/14 letter I sent hadn't been good enough, but no one bothered to let me know. Sent another letter 1/**/15. They've finally closed my account but are still reporting me 60 days late. These people are ridiculous & worthless. I'm honestly contemplating a class action law suit as I would image lots of people with PO boxes have these same issues and its unacceptable.Desired Settlement: Clear my credit report & pay me for all the time I've wasted on this.

Business

Response:

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

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved. They have promised that with 30-45 days at the most the incorrect info reported on my credit listing will be corrected. I trust them to make that happen and will refile in the case that it does not. I appreciate the assistance in getting this issue resolved.

Sincerely,

Review: In brief, there are two cards at play here 1) [redacted] credit card and 2) [redacted] credit card. Both are run by citi bank. I started with a payment over the phone of $55.61 to pay down my [redacted] card, which they butchered up by making the payment on my [redacted] card. When I asked them to switch it back they didnt do it in the time they said it to occur. I told the rep handling the [redacted] card that I was going to just pay off the balance no matter where it was at both locations directly at the store. So I went to [redacted] and paid the remaining balance off. I went back to [redacted] and paid the $55.61 that was due there. Later citibank decided to move $55.61 that was already paid on the [redacted] card to nowhere creating a debit of $55.61 on the [redacted] credit card. I have two types of receipts I can submit that show 1) the total amount purchased originally on each card, and 2) payments I made each time to pay off the full balance, except fr a receipt which I never got from when I made the payment with my debit card for $55.61. I can provide a copy of the banks statement that reflect that this transaction was made on 2/**/15, which will cover every cent owed and paid.Desired Settlement: A refund isn't applicable because I didn't pay the $55.61 again. "A credit" is applicable because they created a negative balance on my card. "A coupon" or some extra credit of some kind would be nice sine I have invested many hours of my time to sort this out, calling customer service with both cards, getting no where, getting hung up on, being lied to, being told they would do nothing, and losing sleep over all this.

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: I believe I have been a victim of a predatory loan through Citibank. When we first took a home equity loan through Citi, we did not understand that we would be paying nothing but interest for the first 10 years. We paid and now are making the actual payments. I am floored that I would be so stupid as to do this. Next problem--in June 2015, I made my monthly payment. A week later I received a letter in the mail that said I was in default. I made my payment, and Citi had no idea where it was. After many, many phone calls, Citi finally found my payment and applied it to my account. In July 2015, the same thing happened. I made my payment on the [redacted], got a phone call on the [redacted] that my payment had not gone through, so I authorized another payment. On the [redacted], both payments went through and overdrew my account, which then the bank charged me fees. I have called for the last week, faxed copies of the cancelled checks, and they still have not figured out where my payments went, or given me back the fees from the bank. Two representatives said they would call me back, and I have not received any phone calls from them.Desired Settlement: I would really like a billing adjustment. Also, I feel as though I have been scammed by this company with the length of this loan. I could have paid this off in 10 years, had I realized that these were interest only payments. I don't think it is fair and I would like to be contacted about being a victim of a predatory loan. This company should be taken through legal channels for these types of loans. I'm sure I'm not the only one.

Consumer

Response:

At this time, my complaint, ID [redacted] regarding CitiMortgage, Inc. has been resolved.

(By clicking "OK", your complaint will be closed as Resolved.)

Sincerely,

Review: Reference # [redacted]

Applied for [redacted] credit card online.

Application was denied.

Received letter today, dated 10/**/2015.

Stated reason for denial: Too many credit inquiries.

Called ###-###-#### three times.

Spoke to supervisor, who introduced himself as Nathan. He would not give his last name.

Asked nathan how many inquiries I had on my Experian file. Nathan said he doesn't know. I told Nathan that I can't possibly have "too many" inquiries, because I have freeze on my credit file and the last time I removed it between 10/**/15 and 10/**/15 and applied for [redacted].

Nathan literally said "Even if there were ZERO credit inquiries in your credit file, if our machine declined your application due to too many inquiries, there is nothing any human can do about it".

I found his reasoning lacking. He just insisted that even if the basis for the denial of credit application was false or erroneous, it would still stand because "no human can override it" (he used the word "override").

When I told him that this will result in filing a formal complaint with Revdex.com, as well as Bureau of Consumer FInancial Protection at [redacted], his response was "I understand what you are saying but there is nothing I can do about it".

I have FICO score of 758 (as of 10/**/2015), which is considered VERY RELIABLE.

I have 3 major Credit Cards: [redacted] and B[redacted].

[redacted] is from [redacted], which requires excellent credit to qualify.

My credit limits on the 3 major cards I use have been increased by 100% in the past 1 year, due to promt payment of the balances. My current ratio of credit balance versus available credit is low.

I request the Citi to provide a meaningful explanation of the reason why it declined my application, or, lacking such explanation I request that it extend the credit under federal Equal Credit Opportunity Act and based on my credit worthiness.Desired Settlement: I request the Citi to provide a meaningful explanation of the reason why it declined my application, or, lacking such explanation I request that it extend the credit under federal Equal Credit Opportunity Act and based on my credit worthiness.

Consumer

Response:

I have been contacted by the management at Citi [redacted] Credit Card services in reference to complaint ID [redacted] and was offered a solution. As soon as I receive the written terms of offer from the Citi the matter may be considered to have been resolved.

Sincerely,

Review: Loan number[redacted] - application for refinance on current mortgage, with citi bank. Began the process on 3/**/13, for refinance. Went back and forth with needed documents. Citi was hard to reach, and didn't always return my call. I was told sometime at the end of June, I would need to file an extention. After asking for one, It was granted until July [redacted]. On June **, I faxed the final needed papers, without a response. I finally came into contact with [redacted], the loan officer I had been dealing with, four days before it was to close , and she assured me all was with underwriter, and we would wait to hear from them. Later , on that same day I recieved a call from someone that identified himself as [redacted] boss, stating we would need another extention,at our cost. I told him, I had no idea whom he was, and I would talk to [redacted]. He again called my home the next day,stating we needed an extention because of a missing W-2 form, which was not true, all was handed in. I was never again able to get ahold of [redacted], her voicemail box was full and not excepting messages, and her assistant, [redacted], never returned by call. We paid for a home appraisal... I wish to have refunded, for they did not follow through as stated.Desired Settlement: they need not do this to honest, good customers, as we continue to have a high interest rate through Citi BAnk, and all we wanted to do was lower the rate, and this is how we are treated.

Business

Response:

To Whom It May Concern

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

Mortgagors: [redacted]

[redacted]

Property Address: [redacted]

[redacted]

We have investigated this matter and addressed [redacted] concerns via letter dated July **, 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 ###-###-####, extension [redacted], Monday through Friday, 8:00 a.m. to 5:00 p.m., CT. Thank you.

Sincerely,

Executive Response Unit

Business

Response:

Dear [redacted]

This letter is in response to your correspondence to the Revdex.com (Revdex.com), received in our office on July **, 2013. Thank you for allowing our office this opportunity to address your concerns.

Thank you for your feedback about your experience while in process to refinance your mortgage loan account with us. After careful review of your correspondence and our records, your application was withdrawn on July **, 2013, per your request to [redacted], Operations Manager.

The $525 .50 fee that was collected from you to start the refinance process is considered a non-refundable fee collected via the credit card of choice upon a written or verbal consent to proceed received from you. On March **, 2013, you provided your consent to proceed with the application via e mail. According to

the Real Estate Settlement and Procedures Act (RESPA) guidelines, as of January *, 2010, all mortgage lenders must allow the mortgagor to review the loan disclosures and obtain verbal or written consent prior to charging any loan fees Once consent is obtained, the application fee is collected and deemed earned by the lender at that time. We respectfully decline your request for a refund.

Please allow me to offer my sincere apologies for any inconveniences that you may have experienced. Please be assured, the events that transpired do not reflect our goal of excellent customer service and we appreciate you bringing these matters to our attention. I hope we can restore your trust in our company, which strives to maintain customer satisfaction.

The Revdex.com has been made aware of this correspondence.

To contact us, you may visit our website at [redacted] or access our Automated Account Information Line, which is available 24 hours a day at ###-###-####*. When you contact us, please refer to your mortgage account number [redacted]. We value your business and look forward to serving you in the future.

Sincerely,

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:

I received this very response letter in the mail, late last week, it does little to my case but upset me even more. Like I said, it was a long shot that I would get back that money, but I requested anyway. My issue is the time it took, and in the end, the loan officer or her assistant never returned my calls. Like I said before, [redacted], was the only person I ever spoke to in regards to this loan, other then in the begining, [redacted], that took initial information. The last time I spoke with [redacted], she told me everything was with the underwriter, and we would be hearing from them soon,..then later on same day, I get a call form someone with a heavy accent, ( he was hard to understand ) tellilng me we would need an extension for somewhere around $400, I then told this person , I had no idea whom he was ,and I would need to speak with [redacted], ( that was when I was no longer able to get ahold of her ). The next day this same person called my home and told my husband, we needed an extension, for XX amount of dollars, because we still needed to turn in a missing W-2 form, which was false, all financial papers were turned in. I then called the bank directly, left a message and thats when a person , [redacted], called me back a few days later, to "explain ", the process. I told her I was not payin another cent, and withdrew the loan. Now , this seemed to me a very shady way of doing business, and collecting more money, from loyal customers, whom currently have a high interest rate with Citi Bank. Our thought was, we are already their costomer, this shouldn't be a problem. Apparently, I was wrong. Just wanted to put it out there... consumer beware. I considered ourselves, hard working, law abiding citizens,.. but with the treatment received from this bank, we felt discriminated, against our income level, and ethnicity. As I said in my hand written letter, as soon as I have the energy, I will repeat this process, with another financial institution , as I am ashamed of what I have gone through with Citi Bank and how they treat a loyal constomer.

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

Sincerely,

Review: My identity was stolen summer of 2012 approx JULY and several credit cards were taken out in my name.. I hadn't found out about this until I began receiving collection notices from citibank around Sept at which time I went to the [redacted] Police Dept and filed a complaint. I made several calls to Citibank CS and informed them of the Identity theft at which time they sent me paperwork to fill out. I filled out their paperwork and also sent them a copy of a [redacted] Police Dept Police Report. They continued to send me demands for payment and I continued to call them and inform them that someone had stolen my Identity. I had even faxed them a copy of the Police Report yet again. They refuse to stop harassing me and they have ruined my credit score because they refuse to accept that my identity was stolen for some reason.Desired Settlement: I demand they repair my credit rating, that they apologize for all the harassing phone calls and mail demanding money, and remove any and all of my personal information from their system regarding an account with which I had never even asked for.

Business

Response:

Dear [redacted]:

We recently received an inquiry on your behalf from the New York Revdex.com regarding the Citi account ending in [redacted] that was established in your name.

Upon receipt of your inquiry, we determined that the account was established without your knowledge or consent and the appropriate adjustments have been made. In addition, we contacted the credit reporting agencies and requested that the Citibank entry be deleted from your credit profile.

I regret any inconvenience caused by this situation, but trust this response satisfactorily resolves your concerns related to this account.

Sincerely,

Executive Communications

Review: Customer, [redacted], did not receive August billing statement from Home Depot. September billing statement showed a $25.00 late fee added to the balance and the minimum payment raised to $54 per month. Two Home Depot representatives said the statement was mailed. As of today's date, September **, 2013, the August statement has not arrived.Desired Settlement: DesiredSettlementID: No settlement requested - for

Home Depot needs to be made aware that this customer has filed a grievance. I feel the age of this customer was a factor used by Home Depot.

Business

Response:

Dear [redacted],

Your recent complaint filed on behalf of [redacted] has been forwarded to us for review and response. Citibank, N.A. is the issuer of the Home Depot credit card.

We have completed our investigation of [redacted]'s account. [redacted] states that he did not receive his statement from August **, 2013; however, our records indicate that [redacted] processed an address change August **, 2013 after the statement was mailed. During the call on August **, 2013, the account records indicate he was advised of the Minimum Payment Due of $25.00 by September *, 2013. The payments of $50.00 and $66.14 were received on September **, 2013. [redacted] called our Customer Service Department on September **, 2013 regarding the late fee billed to his account. As a customer accommodation the late fee of $25.00 was credited to his account. As of October **, 2013 the account reflects a zero balance.

In response in [redacted]'s concerns regarding discrimination due to not receiving his statement, we would like to assure him that Citibank does comply with the federal Equal Credit opportunity Act and does not discriminate against credit applicants or customers on the basis of race, color, religion, national origin, sex, marital status, age, receipt of income from public assistance, or exercise of rights under the Consumer Credit Protection Act. In our investigation, his account was treated consistent with customers in similar situation.

Should your office have any further questions regarding [redacted]'s concerns, please feel free to contact us at the address listed 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]

There was no attachment sent with the 2nd response from Home Depot.

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

Sincerely,

Business

Response:

Dear [redacted],

We are in receipt of the recent complaint filed on behalf of [redacted]. Citibank, N .A. is the issuer of the Home Depot credit card.

We certainly regret that [redacted] feels all of his concerns were not addressed in our response dated October ** 2013. [redacted]'s billing statement dated August *, 2013 was returned to our office August **, 2013; we have enclosed a copy of this billing statement for his records. As stated in our previous response, the address was updated to his PO Box on August **, 2013 and the late fee billed to his account was credited as of September **, 2013. Please accept this letter as confirmation, [redacted]'s account reflects a zero balance as of October **, 2013.

We regret any inconvenience [redacted] may have experienced, but trust this response

satisfactorily resolves his concerns regarding your account.

Sincerely,

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: I got a prepaid citi card from citi from a rebate I fill out for a product I bought and I was given a prepaid card for $45. Long and behold I of course forgot about it and it has pass the expiration date. So I call customer service and I just found out that they can not issue me a new card because it had expire and they get to keep the funds. I was never told of this when I got the card nor was there any information that explains this when I got the card. Instead all I got was how to activate the card when I got the card. So I feel like it is wrong and unethical. When I call they have all my information like mailing address. So if it was going to expire, they could have mail me a renew card like how they do with credit card. I don't see why they don't send any information about the expiration policy but if I had owe any money, the company would have been sending me letters like crazy.Desired Settlement: I would like the credit back on the prepaid card and be better inform on this kind of policy and not have to find out by calling myself.

Business

Response:

September **, 2014

Revdex.com

Case # [redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on September *, 2014 from [redacted] regarding an expired prepaid card issued by Citi Prepaid Services on behalf of Alcon. As a business that aims to provide a positive cardholder experience, we strive to resolve all cardholder issues in a thorough and satisfactory manner.

Upon review, Citi Prepaid Services determined that the promotional prepaid card that [redacted] inquired about was issued on October *, 2012 with an expiration date of October **, 2013. Citi Prepaid Services spoke with the cardholder on September *, 2014 and again on September **, 2014, and explained that the expiration date of the card and the funds had already passed. [redacted] was also reminded that the expiration date of the promotional prepaid card was displayed on the card itself and was disclosed in the terms and conditions that accompanied the card. However, as a one-time courtesy, Citi Prepaid Services has reissued the expired funds in the form of a check at the cardholder’s request and mailed that to the address on file.

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

Sincerely,

Review: I recently received a copy of my from the three major credit bureau (Experian, Transunion and Equifax) credit report. The credit report showed on 09/**/14 a credit inquiry by [redacted] that I do not recall authorizing. A credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized itDesired Settlement: DesiredSettlementID: Other (requires explanation)

Please have this inquiry removed from my credit file ASAP because it is making it very difficult for me to acquire credit and it reduce my credit score by multiple points. I did not authorized or grant permission for the inquiry with your company

Business

Response:

Thank you for your communication regarding [redacted]' My [redacted] application. 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.

Executive Response

Review: Citi has done several things: 1. closed the account and sent me a letter stating I requested it be closed, which was incorrect. They chose to close the account without notification and state they do not have to notify consumers. At the time of closure I had a remaining balance, which even though they closed the account they continue to assess finance charges and late fees and do not send monthly statements, I was able to access information online today to see that they are showing the account actively past due and reporting it as such. They should not be able to close the account and continue to report it as an active delinquent account, charge finance charges OR late fees. I set up automatic payments through my bank to continue to pay the balance I owe, but now that I've learned what they have done with my account, I feel they being dishonest with the handling of my account and doing further damage to my credit. I recently applied for a mortgage and was denied. I had given the mortgage company information that I was at one time delinquent on the account, Citi chose to close the account even though I brought it current and advised them of my temporary financial hardship. Also, that I was paying the balance as I could now. When they pulled my credit the account was showing as active, with a past due balance. I then logged into the account online, to see if information was available and there in fact they show the account like a normal open account. Their accounting and collection practices are simply dishonest and damaging to a consumer in numerous levels. I've also filed a second complaint through the [redacted] regarding this. They refuse to take any responsibility for their mistakes and say there is nothing they can do to help me. I asked that the account be reopened and they refused and told me to reapply for a card- what sense does that make? The account was brought current in March of 2014, Citic closed it in August 2014.

Account_Number: Account number endinDesired Settlement: DesiredSettlementID: Other (requires explanation)

I want their credit reporting practices investigated and their terms for closing a customer's account without having to notify them in writing prior investigated. Everything seems outside of the fair credit reporting act. I asked this of the [redacted] and also in their mistakes that Citi remove this completely from my credit report.

Business

Response:

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

Consumer

Response:

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

[Your Answer Here]

Dishonest practices- they closed the account when it was current not delinquent and reported that way. Why?

Revdex.com and [redacted] need to investigate the practices of a company that does not notify consumers they closed their account, these are no efforts that help or protect consumers as [redacted] and Revdex.com claim to do. CITIs responses are one sided and do not address their mistakes- closing the account AFTER it was brought current, not notifying of closure which they hide behind a ridiculous statement that they don't have to BUT the send a letter stating I requested the account be closed and reported it that way when it was their actions. Any response they offer through their rude and condescending response will never resolve the issue. I want the practice of not informing customers that their account is being closed and then say it was the consumers request investigated as unfair acts under the FCRA guidelines.

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# 10228493, and have determined that my complaint has NOT been resolved because:

They are skating around the issue. At this point there is nothing CITI can or will do to assist me. Please post complaint against Citi for other Revdex.com users/consumers to be aware of. Maybe someone will see the need to investigate their methods of closing consumers accounts WITHOUT prior notice and then sending the consumer a letter stating the CONSUMER requested the account closed as dishonest practices.

Revdex.com, [redacted] are all usless organizations that don't recognize the larger issue/infractions against consumers. NO company should be legally able to close a consumers account without prior notice and then claim it was something the consumer requested. That is what CITI did, they won't account for their mistake and Revdex.com and [redacted] will not investigate.

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

Sincerely,

Review: CI applyed for a credit card thru [redacted] and was supose to send me a card.I called and went into the sear notifying them havent receove card and they gave me fax number to fax over adress and bill.Ok I did that then I got a xall from Citibank 2Mth aftr of bill notified them never received card so dont.if amt u got soneone charged because never receive card.After speaking with 5 of there reps and a superviser stated will get info twith 5 reps and Superviser they advised me they will get issue resolved and sent to me gave them same as adress and what I received a week later is a demand letter for payment.Now as a consumer if im requesting info am I not supose to receive what im askin for so I will not get hassessed over something so simple.As a result has affect my credit..and I demand nfo request..Desired Settlement: DesiredSettlementID: Other (requires explanation)

I desire my card as I apply for adjustment to my account for I havent used card for never receiving it .

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: Acct ending in [redacted]. [redacted] changed accounts from [redacted] to CitiBank. It was at about this time my account got all messed up. On 7-*-13 Instead of paying $241.60 toward #[redacted] as I requested you put part of payment on plan #[redacted] which was incorrect. Next bill when I saw the problem on 8-**-13 I talked with [redacted] at Capital One. [redacted] told me they would fix it and $241.60 would be applied to #[redacted] and it will be zeroed out and (paid OFF) as it should have been. Also Regular purchase of $124.26 was paid off. But not applied correctly. From this point it has just gone on and on. The wrong amounts being applied to the wrong thing. So accounts that should have been paid off got late fees and I lost bonuses for paying them off ahead of time. You have really fouled it all up.Desired Settlement: I want [redacted] to go back to point of mistake and fix every thing from 7-*-13 to present time of 10-**-14. That includes any interest, late fees, promotions that I had paid off. Whatever needs to be done that should have been done at time of payment but was not done right. Payment receipts and bills for the time it began for several more months are being scanned and attached. Others can be provided when you begin working on this.

Business

Response:

Thank you for your communication regarding [redacted]'s My [redacted] credit 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: they cancelled my credit card. iwas neverlate with one paymentDesired Settlement: iwould like the credit card re instated

Business

Response:

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

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]

this resolves NOTHING! I want to hear from the [redacted] of [redacted] as to why they cancelled m credit ccount right before christmas!

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

Sincerely,

Review: On 9/**/2011 I brought a Gas Furnance from [redacted] for $5,578.00 this amount has been paid and Iam still being billed for over $5000.00 to this day.I have paid them a total of $7,990.30 as of this day I have not made any more purchases from them why am I being charged this amount?I have called several times in the past asking to speak to some one about this matter I was told it might be interest,thats not good enough for me Iam on a fixed income with health issues and I cannot pay this bill again I feel taken advantage.There were some promotions that I was not aware of also that I would never had agreed to if I was given that choice no one asked me it was on my bill when I found out how can they do that I trusted them to do right by me a valued customer for years,now I feel truly taken advantage of and wronged.

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

That they would see my bill is paid in full.

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 received a phone call from someone name [redacted] stating that I will receive a letter from Citi Bank this was on 1/*/2015 I never received such letter and on 1/*/2015 the same person called asking me did I get the letter I told her No and have not heard any more from them.

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 am not in agreement with Citi Bank [redacted] I feel they can do better than what their saying since no one took the time to inform me of their Promotions I would never agree to pay any thing without first knowing my options I was not given that and its No misunderstanding your company did not give me that option before hand.

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 [redacted] as of February *, 2015. If you would like to further discuss the resolution, may I suggest you contact him/her directly?

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.

Review: Failure to apply rewards cash balance in reasonable time

When I applied for the citi double card I was informed that cash rewards would be instantly applied. Today is as informed they take 30-60 days. The whole reason I opened the card was for the cash rewards. I want the cash reward applied instantly like all my other credit cards.Desired Settlement: Apply cash reward instantly

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: The [redacted] automated service gave me incorrect info..did not send a statement telling me I was delinquent (though they received my change of address) then I had 5 employees 2 of them managers giving me contradicting information about my account. As a result of their error I am being reported to the Credit Agencies as having a 30 day late...In accordance with the [redacted] they did not notify me that I was delinquent or that there would be negative reporting to my credit.NO ONE THERE CARES ABOUT THE CONSUMER'S RIGHTS!!!!Desired Settlement: DesiredSettlementID: Other (requires explanation)

Retraction of 30 day late payment with the credit agencies

Business

Response:

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

Consumer

Response:

Thank you. please be advised that I have not received communication from this creditor.

Business

Response:

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

Review: November, 2013 ordered 3 kitchen appliances from [redacted]Before the delivery date, I cancelled my order.Irregardless, [redacted] charged my new ([redacted] generated) Citibank Card (aka [redacted] Cardmember Services ###-###-####) with the full amount. For over a year and a half I have been trying to rectify this problem which greatly affects my credit.August, 2014 my unpaid acct was forwarded to [redacted]ollections.I forward a copy of my letter to [redacted] regarding the erroneous issue and coincidentally, [redacted] stopped contacting me.I have recently been forward to another collections agency by Citibank[redacted] ###-###-####. [redacted] informs me that this is in pre-legal status but [redacted] informed me yesterday (4/**/15) that he will put a hold on it for now. I strongly feel harassed by every company involved which refuses to acknowledge that these goods were canceled; charged inadvertently and now great lengths are being taken to try to collect from me where I OWE NOTHING. I deeply appreciate your help on this.

Product_Or_Service: Kitchen appliancesDesired Settlement: DesiredSettlementID: Other (requires explanation)

I would like this erroneous charge completely credited/erased.I would like a letter of apology from all companies involved. I have supporting information but need your mailing address, please.

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. Regards, [redacted]