Citi

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: 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: 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: I called Citibank prior to my travel dates along with the countries I would be traveling. My card was frozen and I was unable to access funds in [redacted]. I had to log in to the internet to identify the issue internationally which I accrued charges. I returned to the US and my card had a reduced access in which I was unable to access funds. I had to make a call close to 35 minutes in length to Citibank in order to access my funds. I alerted Citibank of my travel and am incredibly displeased with the level of customer service I received. I will be closing my account this week with this branch.Desired Settlement: reimbursement for international phone fees

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 have had Citi Bank Credit card since 2012 as a Citi Bank Simplicity card. A few months back I had called Citi Bank and updated my billing address and banking payment information with a representative over the phone named Chris. I had did this just as I had done with all my other creditors over the phone. However to my understanding Citi Bank representative did not change the information and not complete his given task over the phone. My Bank had merged with another bank at that time that I have all documents showing the merging of the two banks togeather, which was the primary reason as to why I had called in to update the account. The routing number on the account remained the same as the two banks had merged however the account number "last four" had changed so as a perfect standing customer with Citi for the past 5 ytears I did my part by calling and updating. Not once in these past years have I ever been late on any of my accounts and my credit history proves that with Citi and all my other creditors. on 4/* Citi by mistake took out a payment for $20 from my old checking account that was already updated. Next thing I know the payment was sent back because the citi representative had never updated my account information and address. Regardless of this error I still called and manually paid a payment on 5/**/15. This morning I recieved an alert from [redacted] that Citi had reported a 30 days late account status on my credit report. I had done everything on my end to make sure that citi recieved the information they needed to make sure I was always "just as I have been on" top of my payments. I have had a flawless history with Citi bank and have never once been in any negative status. As an addition I did not recieve any letters. emails, phone calls, and or text messages showing that my account was in a negative standing even after I had changed all the address for billing by calling in. This morning I had talked and was told different things and even at the end spoke to a [redacted] named [redacted] who understood my situation and wanted to change the information being reported, however she needs to go through the credit bureau dept in order for them to do that and update with all 3 Bureaus, which includes [redacted]. In adddition I also talked agent [redacted] rep id[redacted] and [redacted] rep id # [redacted]nd at last Timothy agent id#[redacted] and they kept on constantly transferring from one agent to another not knowing and misleading me into thinking that the next person would be able to help. Clearly I have done what a good consumer to Citi would do regarding payment information and billing information update by calling them few months back before all this happened.Desired Settlement: Removal of the "30 Day" late on all my three (3) [redacted] credit reports as soon as possible. I have been a loyal customer with Citi and this surely is not my fault and should be handled immediately. Thank you for taking the time out to read my information provided.

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:

They have failed to remove the info. I have called several times to follow up and they transfer me from department to department. Finally I get a letter in the mail saying they will not renove the late payment. Then I recieve a call saying if I can get a letter from my bank stating "united central bank and [redacted] bank merged" which I did. They have failed to remove it so far I have mailed over this document from my bank to them.

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.

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: 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: 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: 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: I am a victim of identity theft. This account number: [redacted] does not belong to me. I have sent several requests to Shells Credit Card Services informing this company about the fraudulent account. I have absolutely no knowledge of this account. PLEASE DELETE THIS INFORMATION FROM MY CREDIT REPORT. I have also spoken with several representatives from Shells Credit Card Services regarding this fraudulent account. One representative tried to issue me another credit card and he wanted me to dispute the charges on this account. At this time, I stated to him, I under no circumstances wanted a credit card from Shell and that this account was never mine!! I will be filing a harassment complaint/charges against Shells Credit Card Services was the Federal Trade Commission [redacted] if this account is not deleted it its entirety from my credit report. The only solution I will accept from Shell Credit Card Services is a deletion from my credit report. I am attaching a police report with this complaint. Also, I have never lived at two of the addresses on my credit report and that I know the shell credit card was sent to one of the addresses on my credit report. I have lived at [redacted], since the age of 8 years old. I have never lived any place else.

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

TO DELETE THIS ACCOUNT FROM MY CREDIT REPORTS!!!!

Business

Response:

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

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

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

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 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: They blame me for the continued fraud on my account. Refuse to honor my claims after mailing documents and receiving them signed by E CORTES At "Citi bank NA [redacted] TRACKING # [redacted]

I am also re-faxing them today 10/**/2015 with the following claim numbers to the fax number that was given to me by a claims rep: ###-###-#### & the claims included that were denied previously were re-opened today and with my supporting documents. I AM NOW FAXING AGAIN TODAY AT MY EXPENSE AFTER SHIPPING OVERNIGHT AND PAYING $35 DOLLARS TO [redacted] FOR THE SHIPPING THE BANK CLAIMS THEY DIDNT GET THE DOCUMENTS AND PREVIOUSLY DIDN'T HAVE A FAX PHONE # EVEN THOUGH IT SHOWS THE EMPLOYEE WHO SIGNED FOR IT AND THEY DID INFACT HAVE A FAX NUMBER AT CLIENT RESEARCH THE ENTIRE TIME..

These are the new claims opened today for appeal 10/**/2015

R-100-2001-51001 $131.66 - $131.66 - $99.00 -$1,180.00 - $600.00

[redacted] $1,180.00

faxes were also sent today..Desired Settlement: Locate my sent documents that have 25 pages of supporting documents, RE-OPEN my investigations, & Give me the money that is mine so I can finally close my accounts and end all relations with CITI. FOR CLAIMS DENIED PREVIOUSLY: [redacted] I would like these claims re-opned. There was also a $600 withdraw twice from my account by a [redacted]" where they didn't see the credit was already revoked once in March was revoked again in September when I had a 200 dollar balance leaving me negative & over-drafted about -$400. About a week prior to these series of events I had made a deposit to pay off my checking plus and over drafted account at the time and more fraud occurred and now also this 600 "[redacted]" I am beyond disappointed. This error was admitted by several reps who claim I will get my money back and its been weeks and I haven't seen a dime for the 'CITI BANK ERROR' There has been a tremendous amount of back and fourth. Please call me at [redacted] last four of [redacted] Mothers maiden name : [redacted]

Business

Response:

We

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

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

Consumer

Response:

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

They have made no effort to call me also, they sent my information to the credit department instead of the checking department and I never was contacted at all. I called the woman who called me 2x left a voicemail nothing yet, hoping for the best but I am not anywhere near a resolution if no one has actually contacted me..

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

Sincerely,

Consumer

Response:

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

I was never contacted

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: [redacted] credit card using very deceptive tactics and charging interest accrued when item was paid off the previous year.

my [redacted] purchase was made in november of 2013 in the amount of $551(not sure what I purchased) on my [redacted] credit card. I selected the 18 month interest free option. today I opened my statement to find an interest charge in the amount of $319.92 and when I called to ask them why, they told me that I still owe $501 on that item...I then explained to them that I have been making monthly payments anywhere between $50-$100 for the past 10 yrs and why they didn't apply that to this purchase? I was told that "they don't do that", she said that the only way for them to remove that interest would be to pay that $501 right now...I told her that I was unable to do so at this time...my act # is [redacted] I spoke with [redacted] and asked her to close my act and I will not be making another payment to them until they fix this issue....Desired Settlement: I have closed the account and will not be making another payment to them until they remove the interest accrued in the amount of $319.92 I feel as if this specific credit card company from [redacted] is taking advantage of a lot of people..

Business

Response:

Tell us why here...We have corresponded directly with [redacted]. If you would like to further discuss the resolution, may I suggest you contact him directly.

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: 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: 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: 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: For years now I've been dealing with a charge off to a student loan I feel I was set up to fail. I was late just over 30 days. Once that happened I was sent to collection dept. That was fine and understand that practice. But once there is when all the trouble started. There is no way to contact this group. You call the main number and they can't help you with that account and transfer to collections, where you sit on hold for ever or you can leave them a message where they will call you back at some point. Because I worked at a place with no inside cell phone signal I wouldn't be able to get a call back. Only a couple times did they call me back. With over 100 messages over a 2 month period. I spent many hours on hold. And the collection department closes at 5pm. So, to try to make payment arraignments is nearly impossible. I tried getting supervisors involved with the main call in number, but they where unable to help as well and had to transfer me. And I actually got to know some of them by name and they understood themselves about their collections dept. This account ended up being charges off and what I feel was premature to do and also feel that's what they're trying to do for some unknown reason. To this date I feel I've been done wrong and have other student loans that I was a 30 days overdue on and was able to work with them and everything went current shortly after. To this day it still haunts me. I would like an investigation and have someone try to reach the credit department. It's been a few years gone by, but I tried again and still can'tDesired Settlement: I want this item removed from my credit report and possible monetary damages this has caused me. I feel that if they're involved in issuing student loans there must be guidelines that they have to work to resolve late student loans. And I would bet they have an extremely high charge off rate compared to others. I just don't get it.

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 did contact your client 2 times in the past. They said it's a matter of public information. I feel you should not have put on my credit report due to the fact that this $75 copay was never properly billed. When I researched this it was sent to my prior address and I didn't receive it. Since this is a copay that has been paid, please remove this item at once. Thank You.

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

Sincerely,

Business

Response:

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

Review: I was charged $821.43 on "deferred interest chgs" on a $450.14 balance remaining. Only method of notification was on company's website.

I had $450.14 balance remaining on line of credit (last four acct # [redacted]) with [redacted]. Without notice, I was charged $821.43 on ** April 15. I found out about this charge on ** May 15. I thought I had more time to pay this off, but I misinterpreted the terms of the offer. However, I was never notified that the time left on the 0% APR offer were about to expire, nor I received any type of notification. I live in [redacted] due to my spouse being Active Duty military, and we do not have access to our American cellphones and our mail arrives about a month later. I never received anything from [redacted] over the mail either. The only way to find out the time for our offer was about to expire was to actually go on their website, log in to my account and download the pdf statement. I spoke to [redacted] customer service rep, and I asked them to remove the outrageous "deferred interest" charge in order to immediately pay only the $450.14 remaining balance but they refused to accommodate me even though I explained we are a special circumstance due to my wife's military status and our remote location.Desired Settlement: I want [redacted] to reimburse the $821.43 of "deferred interest chgs".

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: Charge of 455 placed on Best Buy card without notice. Explaination was not sufficient and dismissive.

We had purchased a computer through best buy. We had a payment plan that was interest free. I tried my best to make payments equal to or over the required monthly charge. I did not realize I needed to specify that my payments were for this payment plan and I did not get any help when I did ask. I thought I had made payments correctly and was actually fairly close to paying off the entire card which would include other purchases. However just a day or two ago I saw a charge of 455. I emailed using the secured email and got a reply back that I failed to make the 18month payments. There was no warning that this amount was about to be charged to me. I still could pay off the full amount of my card minus the 455 however this does sit me back quite a bit. I do feel that I have been basically brushed aside. I know I do not spend a whole lot however thought that more effort would have been made to help. This is a disappointing act on Best Buys part or maybe because you switched to using Citi instead for the charge card. This does not help me want to shop at Best Buy and will be most likely leaving your company and doing business elsewhere.Desired Settlement: I need the 455 taken off.

Consumer

Response:

I actually finally got it resolved. they took the 445 charge off and I can finish paying the promotional purchase off. They still do not seem to provide a good service on specifying how a payment can be applied to the promotional purchase. I did ask them how in the future I could apply payments to a promotinal purchase so hopefully will hear back about that.

My expectations are pretty low though in dealing with their charge card. which best buy now goes through citi bank now for their cards.

So, not sure if this is 100% resolved but it has improved some.

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,