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Citi Reviews (2277)

Review: October **, 2014 paid a check $35.00 and $20.00 cash it has not been received by Citibank. Store managers are unable to provide any information of payment. Cancelled check provided to citibank but they won't apply it. [redacted] has cashed the check and not credit my account. I lost my receipt and I had paid $20.00 not creditedDesired Settlement: Please locate the payment and apply to my account restore my credit to proper status and remove all late fees.

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 became unemployed over the past two years and needed financial help. I was placed on a hardship program with my [redacted] credit card which is owned by Citibank, N.A. in the past. I have been making my payments for the past few months and have successfully completed my hardship program. In August of 2014, the "detach and return lower portion" of my [redacted] bill stated all pertinent information such as due date, new balance, past due amount, and minimum payment due. No where does it say promotional balance or at the very least for minimum payment the remaining promotional balance that has become due. I made the "minimum payment due" for August 2014 which said was $25.00. Then in September the "detach and return lower portion" minimum payment due said $25.00 but the outstanding balance shot up to $699.49 when the previous month it was $487.12 (my account in closed and no purchases were made). I called and spoke to [redacted] at customer service and he informed me my promotional balance had expired and that I was now responsible for $237.37 in interest. I was shocked. I completely forgot all about the promotional balance especially since the card was closed due to me needing financial help. I questioned why this information wasn't were I could easily see it such as the "detach and return lower portion" page like Lowe's Home Improvement does. I felt like I was tricked. [redacted] couldn't do anything for me so he transferred me to a [redacted] or a [redacted] named [redacted] and [redacted] again said "all you had to do was look on page 2 and 4 and that would have told you about your promotion" all sarcastically. I'm well aware that some where on this lengthy billing statement is an expiration date for the purchases that was bought more than 18 months ago; however, I feel like if the bank was being honest and wasn't trying to trick me they would have placed this information right up front on the first page or at the very least include it as my minimum payment due. Given the facts that I informed [redacted] about and also the financial strain my family has been under all he would do was take half the interest away if I paid the entire promotional balance off today (which was $437.12). I don't feel that is fair given the unethical collection process and the bait and switch the billing statement presented to me. I am now left with $132.65 balance which is all interest. I don't feel I should pay any interest at all because if I would have known on the billing statement in August of 2014 that the promotional purchases was expiring I would have found a way to pay it off then. Please help me.Desired Settlement: Please adjust my closed [redacted] credit card (which is owned by Citibank, N.A. )in the amount of $132.65 which is all interest.

Business

Response:

Thank you for your communication regarding the customer'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.

Thank you,

Review: This is a Notice of Direct Dispute with you, under the provisions of FCRA 623(a)(8)(D), of the accuracy of information you have posted to my credit file. I am in dispute with all three credit bureaus [redacted] pertaining to a credit card with Citi Bank [redacted] for the date of last activity and payment history. After some further investigation on my part, I am also concerned that these accounts may not belong to me, and/or the reporting to [redacted] may be inaccurate. In compliance with FCRA 623(a) (8) (D), and enacting regulations published at 74 Fed Reg 31484 (July *, 2009), this Notice includes: Identification of the specific information being disputed: [redacted] reporting for Acct Number: [redacted]. Basis for the dispute: On [redacted] status is closed, but reports payment history with a 30+ days late July 2014 and November 2014 However on [redacted] and [redacted] there is conflicting information where it does not show a November 2014 late payment and has reported through January 2015. I am in full dispute of these 2 late marks on the report. Under the provisions of FCRA 623(a)(8)(E), you have the duty to review all of the information in this Notice of Dispute, to complete your investigation, and report back to me the results of your investigation, within 30-days of my Notice of Dispute. In addition, I humbly request that you provide me with complete transaction and payment history, a copy of any signed contracts or agreements, and total outstanding balance you believe I owe. I would like both negative reporting marks referenced in this dispute removed from all three credit reports OR have all information regarding this account to be removed from all 3 credit reporting bureaus.Desired Settlement: I would like the two 30 day late marks on Nov 2014 and July 2014 removed from this account on all three credit reporting bureaus. Both of these were not late as contingent on our mutual settlement of this account as accepted by Citibank.

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:

No correspondence has been received from the business.

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 received a packet from the business citing my settlement decision with the company for a lump sum payment. Prior to that I was on a monthly payment plan of $63.00, as part of the settlement arrangement made on the next consecutive month, I paid the settlement in lieu of the monthly payment and my credit report should not show as a late for that month. The 30 date late mark should be removed. I will take additional action if this is not resolved.

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: A hard hit on my credit report is an error.

Customer service did nothing to prevent me from cancelling my two cards out of anger.

CitiBank sent me a letter offering a credit line increase based on my credit history with them only, they asked that I go to a website [redacted] and I did. The increase came back as an odd number $2,200.00 then a box appeared asking if I wanted a further increase. I asked for an additional $300 to make it an even $2,500.00 I did not noticed the warning that at that point CitiBank 'may' or 'may not' effect a hard-hit on your credit report. Considering the low amount I was asking for ($300) I would think I would end up on the 'may not' end of things. When I found out from my credit monitoring service that CitiBank hard-hot my credit report (which can harm your [redacted] and [redacted] score) I became irate and called CitiBank Customer Service. The agents said there was nothing I they could do except give me an address to write to in an attempt to have the inquiry removed from account (which normally doesn't end in the customers favor). In response I cancelled both of my Citi Simplicity and Citi Dividend Cards. The agent made absolutely no attempt to save my business with CitiBank. I have one more card which is Citi Doublecash, if the inquiry made on 02/**/2015 is not removed from my credit report, specifically Experian, than I will cancel my Doublecash card and wash my hands of CitiBank altogether.Desired Settlement: I want the inquiry removed from my credit report specifically Experian. I have an excellent score with [redacted] at 800 and a [redacted] score teetering 900 and I feel the inquiry may have a negative impact on my scores.

I ask that you make it absolutely clear to your customers that you are about to perform a hard-hit on their credit reports.

I ask that you train your agents to defuse situations better and work harder on customer retention. I didn't ask CitiBank for an increase until CitiBank sent

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 wish to file a formal complaint against CITIBANK for the way they handled closing both of my [redacted] and [redacted] credit card accounts. I have had these accounts for almost a year, have handled these accounts responsibily, paid them on time, in full and have never been late. Citibank "claimed" someone tried hacking into both accounts online and jepordized the security of the accounts. An operator claimed they wanted to close the [redacted] account for "security reasons" and reopen them with new numbers, which I hesitatly agreed to. I had requested both accounts credit limits be raised as I was a loyal customer, which Citibank agreed to and had done to $1,000. The week following the credit limit increase, I had applied for and was given 3 new accounts with Citibank, one [redacted], one [redacted] and still another with [redacted], all branded credit cards Citibank sponsors. The morning of Monday, April [redacted], I received 2 disturbing phone calls from Citibank security. They claimed to have expressed "concern" over so many accounts being opened over such a short period of time. I explained to them that I had applied to these companies as a "buffer" measure to help me avoid being left out in the road as I had planned to travel this summer as I have a severally handicapped, disabled person in my family and cannot afford to be left out in the "cold" so to speak. They agreed and hung up the phone. On Tuesday, April [redacted], a clerk who represented the credit review department threatened to contact all of my creditors indicating they had closed my accounts and the aforementioned reason the account had been closed, in a tone indicating that they were trying to ruin my existing credit. The very next day, I received notification that I was now placed as a "risk" to Citibank as they claimed I had too many inquiries on my credit report to their liking and they subsequently closed all 5 credit accounts with their company. I did not realize that there was a "limit" to the amount of credit cards one may apply for over a period of time, otherwise I would have never applied for them. I object to the way they handled these accounts, assuming that I am now a "credit risk" to them simply because I have applied for more than 1 account in such a in their definition "short" period of time. As stated, I have been a loyal responsible customer of theirs for almost a year and had NO PROBLEM up until now. Please consider this a formal complaint against Citibank.Desired Settlement: I would like my accounts to be reopened.

Business

Response:

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

The response provided to me by Citibank is nothing more than a glorified form response from the company. As I stated in my previous complaint, I have been a loyal customer of Citibank for almost a year. They have treated me nothing short of being rude, smart mouthed, and over judgmental during the entire business relationship with them. I had enough trouble getting the card and "proving my financial situation" with them and they closed all of my accounts for no reason. I reject their "form letter" and their excuse for closing my accounts. Everyone will be notified of my experience with Citibank. I am very happy I owe them nothing, because the bank IS nothing other than exorbitant interest rates and rude, nasty operators. No sweat off my back!

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

Sincerely,

Review: On approximately * or * September 2014, I tried to make an online payment of $3,892 from my Bank of America (BOFA) account. As I was making the payment, the screen timed out and I had to log back. When I logged back in, I went back to the payments page and continued to make the payment. I made the payment for the same amount and when I received the thank you for your payment of $3,892 dollars page, I realized the amount came out of my Huntington account and not my BOFA. I immediately contacted CITI and they informed me they were going to cancel the paymet that was supposed to come out of the Huntington account and they would ensure the money would come out of BOFA.

On approximately * or * September 2014, I contacted CITI because the balance remaining on my CITI card was not accurate. I then checked my Huntington account and realized CITI tried to take the money from my account that I already told them was not going to be there. My Huntington account subsequently charged me $37.50 for a returned check fee. I explained this to the CITI representative and the CITI representative told me they they would mail me a check for $2, 900 for an overpayment because CITI said they received over a $7,000 payment, to which my balance was only at approximately $5,000. I explained to the CITI representative that I did not want a $2,900 check because they never received the $7,000. The representative was confused, but I explained the situation to her, she told me they would refund me the $37.50 that my bank charged me.

On ** September 2014, I contacted Huntington to see if they could waive the fee and they said I had to contact CITI. Huntington informed me that on ** September 2014, CITI tried to withdrawal the money again, after I contacted them and told them the payment was supposed to be stopped and after they told me they would stop it. I called CITI and they informed me there was no way for them to refund me the $70.00 because the original payment was made online and there was no way for them to provide me with a refund. I explained that this contradicted the information that was told to me the time I called. The CITI representative continued to say there was nothing she could do for me although it was their fault from the time the screen timed out until now.

CITI was not willing to work with me for their mistake. Huntington was nice enough to waive $40.00 out of the $75.00, but CITI should still pay the difference. I think this is a bad business practice and it shows how poorly CITI representatives are trained and how their personnel are not on the same page when it comes to customer service relations.Desired Settlement: CITI was not willing to work with me for their mistake. Huntington was nice enough to waive $40.00 out of the $75.00, but CITI should still pay the difference

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 am currently an active duty servicemember since 1992. However,Goodyear Credit has been charging me late fees & a annual percentage rate over 6%.

I am currently an active duty servicemember since 1992. However, Goodyear Tire Credit has been charging me late fees & a annual percentage rate over 6% for years.

Account to the Servicemember's Civil Relief Act the annual interest rate on my account should not be over %6 and late payment fees should NOT be assessed. However, I assess late fees and my annual interest rate is over %6. This is going back to when my account was first open (in 2003 or 2004).Desired Settlement: Please fix my account to reflect the correct annual percentage rate. And apply the necessary refund (over pay interest and late fees)to my account. Thank you

Business

Response:

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

Consumer

Response:

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

Sincerely,

Review: I paid off my Home Depot credit card. and they never sent me a bill After it was paid. there months later I get a call from their credit department for 75.95 for monitoring fees and late charge. my credit is messed upI pay my bills on time. can you help me

Product_Or_Service: credit serviceDesired Settlement: DesiredSettlementID: Replacement

I think they should go back and fix it. it was't my fault

Business

Response:

Thank you for your communication regarding [redacted]'s Home Depot 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.

Thank you,

Review: [redacted] is not sending my statements on a timely manner. They are always two weeks behind. Because of this, I am charged a late fee of $25 and Interest Charge monthly. My bill only runs $44.44/month. This is excessive and inexcusable.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want my late charges reversed as well as any interest they have charged me.

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: This was my 3rd purchase with [redacted] Company.I live 75 miles from the [redacted] I do business with.I Used my [redacted] credit card to purchase a Toshiba Excite 7C AT7-B8. With tax the total was $137.53, on 4-*-2014. Waited,waited,waited,for a bill to be delivered to my address: [redacted],**or [redacted]. Nothing,nothing,nothing,This started to really trouble me.I do not have a cell phone or carry long distance on my land-line.On Monday 9-**-14 in the mail was an envelope from [redacted].I was actually excited and relieved,believing this to be the long awaited bill from the company. It was instead,a 90 day past due account statement,explaining my account was closed? I called Customer Service immediately at ###-###-#### as shown on the paper I'd received. Spoke with [redacted] Id # [redacted]. He was in Boise Idaho area.He stated several billing statements were sent out.They were returned unopened!!!He said there was no P.O.box number for my address. I did not receive ANY billing from the company. It had been turned over to collection, not one but 3. Now I'm going to have a heart attack! I am 52 and my credit and good name are the most important thing to me. It is my integrity and my hard earned almost perfect credit score at stake.[redacted] told me the address was incomplete on their end.They had no P.O. Box #. How is that possible when I have received other bills from them??? This is not my mistake. Had the billing made it to my mail box I would of received it and paid as I always have. At that time [redacted] made the corrections in the computer entering my P.O Box number.Tues,9-**-14 drove 75 miles to [redacted]. Talked with Day [redacted]. He called [redacted] Id #[redacted] out of Tennessee.I paid through my checking account.Confirmation #[redacted].Had I received a statement we would not be here with this problem.Please restore the error on your companies behalf.Make this right by me. My credit and honor are all I have.Please,Please make this error in YOUR billing... right.

Product_Or_Service: Toshiba Excite 7C AT7-B

Order_Number: Val# [redacted]

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

I WOULD LIKE [redacted]/CITI BANK TO RESTORE MY CREDIT TO MY NAME INTACT WITH NO BLEMISHES AS IT WAS BEFORE THE ERROR IN THEIR BILLING. THIS WAS NOT MY ERROR.THE ERROR WAS ON THE OTHER END. I will have to involve my lawyer if this is not made right.If you take a look,my past transactions with your company have been honorable.Please remove my name from the collection agencies if it has been turned over to them.Please make your mistake right and cle

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 received a letter fron Citi concerning my complaint. This is the beginning of restitution due to my name. Now that your company has agreed to send a request to the credit reporting agencies, Experian, Equifan and TransUnion, to delete all derogatory information on my [redacted] account from my credit bureau file.I thank you for this! But... I will not accept a satisfactory rating.The situation began with your company,[redacted], having the wrong address in their computer systems. I did not type the incorrect information into your computer systems. That was NOT MY ERROR! Before this situation began my credit rating was at a 865. If I had received the billing on time in the correct mail box, Hc [redacted], Not Hc 32 (and no p.o. box) The bill would of been paid on time and cleared before due date. I would like my credit restored to the score I had before your companies error and it was NOT SATISFACTORY! MY CREDIT WAS EXCELLENT!!!! Yes, I provided the correct address to [redacted] ID # [redacted](out of Boise Idaho). It was at that time he made the corrections into the mainstream computer system. The error was not mine. If this situation is not dealt with to my satisfaction as I feel is due, my lawyer will be contacting you. I do believe your companies negligence or lack of proper training is costly to your company if situations like this go to court. You must understand my name is my honor and it is PRICELESS. Should this go to court there is no price for my good name. My name is priceless,it is my honor and therefore I will fight to the very end to have my name restored to it's excellent score.

I appreciate your time concerning this matter. Thank you.

Review: I was sent an advertisement stating if I applied for their credit card, got accepted and charged $500 in the first 3 months I would get $75 in gift cards (through their points program). I did apply, and got accepted and spent over $500. I have been waiting and waiting for the points to post. They never did. I have contacted them about the matter and they have said "we do not show you were solicited to receive the offer" and" we are unable to review your dispute" . -I received the card in November, 2012 -spent over $500 by the 3 month time frame. The mailer states it can take 3 billing cycles to receive the points. I have the original mailer and my application ID number given to me by the representative who filed my application. I also have our communication in writing through my credit card website.Desired Settlement: I would like the points I was offered when accepting the terms of their credit card.

Business

Response:

Dear [redacted]:

This letter is in response to [redacted] recent inquiry related to the promotional offer associated with her Citi account.

I spoke with [redacted] on August **, 2013 to confirm that our records indicate her account was established on October **, 2012 with the promotion to earn 7,500 bonus ThankYou points after $500.00 in purchases within 3 months. I informed [redacted] that since she did not meet the purchase requirement within the allotted time frame, her account did not qualify for the bonus. I regretted she received incorrect information from our Secure Message Center related to the promotional offer and advised [redacted] that I applied 7,500 ThankYou points to her account as a gesture of goodwill.

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

Sincerely,

Presidential Communications

Review: I am a credit card holder of the Home Depot Credit Card, which is underwritten and issued by Citibank. My original credit limit when I was approved and issued the card was $10K. I never missed a payment, nor did I ever exceed my credit limit. Several months later, while reviewing my credit scores and my credit reports, I noticed that my overall revolving credit had decreased, and that my credit score was negatively impact as a result of this decrease in my overall revolving credit. I checked my available credit at each and every one of my credit cards. The only one which had decreased was my Home Depot Credit Card. Without any kind of notice, let alone any kind of authorization from me, Citibank had halved my credit limit to $5K.

I emailed the card's customer service representatives and engaged in a polite email exchange which ended on Aug [redacted], 2014. I had asked them if re-instating my original credit limit would require a hard credit pull against my credit report. They said yes. I then complained to them that I was trapped into a situation which negatively impacted my credit reports. They halved my available credit without notice and without my authorization. This hurt my credit scores. And there is no way for me to remedy the situation because re-instating my original credit would require a new hard credit pull, which also negatively impacts your credit scores. Their customer service representatives replied by saying that they couldn't do anything about the situation.Desired Settlement: I am requesting that Citibank repair the damage they've done to my credit history due to their unauthorized, and unannounced, decrease to the credit limit of my Home Depot Credit Card. Specifically, I am requesting that they re-instate the original credit amount for which I was approved and issued the card, without running a hard credit pull.

Business

Response:

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

Consumer

Response:

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

The business has not corresponded with me beyond replying to my customer service inquiries, a conversation which ended in its entirety before I even filed this Revdex.com complaint. The response from the business implies that they have sent me a request to authorize some sort of communication on their behalf to the Revdex.com. No such request was ever made from the business. Therefore, I hereby authorize Citi to reply to this complaint through the service provided by Revdex.com.

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

Sincerely,

Business

Response:

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

Review: Has been waiting since June the [redacted] for them to resolve this issue about someone other than myself using the prepaid debit card that they were supposed to be sending me. I've been continuously calling for them to only tell me they have no record of me calling since the [redacted] of June which I know is a lie. Every time I call to get this issue resolved I'm hung up on. They have yet to even mail me the correct forms that I have been asking for for well over two and half mos! I need my money back who has money to just be giving away to randoms??Desired Settlement: Refund my money back on my card

Business

Response:

August **, 2014

To whom it may concern:

Citi Prepaid Card Services has attempted to reach the customer at the number provided and have been unsuccessful in reaching the her to assist with this dispute. A dispute form can be mailed to this customer however the mailing address needs to be verified prior to the form being mailed.

Citi Prepaid Services will be happy to assist this customer if she would call our Customer Service Center, verify her address and request to have the request escalated to our offices. Our Customer Service Center is available 24 hours a day, 7 days a week.

Best regards,

Consumer

Response:

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

[Your Answer Here]

If I wanted a dispute form I wouldn't even be having this conversation with you all! And as far as anyone trying to contact me that is a [redacted] lie! There ain't [redacted] to dispute if I'm not the one who even received my card something needs to be done and be done NOW!

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

Sincerely,

Business

Response:

[redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint

submitted on September *, 2014 from [redacted] regarding potentially fraudulent transactions posting to a prepaid card issued by Citi Prepaid Services on behalf of Metro PCS. 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 speaking with the customer on September *, 2014 and providing information regarding the filing of fraudulent claims, the customer agreed to complete the required forms to initiate the fraud process. Citi Prepaid Services forwarded the appropriate forms to the customer’s email address at her request.

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: An unauthorized "hard credit inquiry" was placed on my credit report in June of 2014. My account is with [redacted] (aka [redacted]) and ends in [redacted]. [redacted] requested Citibank remove this item as of or around January **, 2015. This "hard inquiry" is damaging my credit, and should be removed immediately.Desired Settlement: Remove the inquiry from my credit report immediately.

Business

Response:

We previously responded to the customer regarding this matter on January **, 2015. The customer needs to allow time to receive the resolution letter.

Review: I have paid my credit card and [redacted] is not willing to report to [redacted] upon request. This is a standard business practice. ** wont participate.

I have called [redacted] two times as well as have participated in chat. During the phone call I had given verbal permission for a specific agent (which I had given the name of) and the phone agents had taken the name. This person has contacted twice with no success. I had also reached out to support via chat and asked to have an executive escalation so I can speak to someone who handles Revdex.com complaints before sending a ticket in through the Revdex.com site. I was told that they would not be sending the escalation request. In addition to this I had given written permission for the agent at [redacted] to speak on my behalf. All of these things were for the sake of getting my credit score evaluated. This is impacting my ability to buy a home as it is a failure for [redacted] to provide [redacted] an updated credit report upon request.

In short, [redacted] is participating with credit reporting but is not making it available for updates to be requested. This is not a standard business practice and is making my life more difficult.Desired Settlement: I would like [redacted] to allow the agent from [redacted] to contact and get an updated credit report.

I am not looking for anything else.

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. A. C[redacted]Executive Response

Consumer

Response:

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

I have not received any communication. Once again, there is a failure to communicate.

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

Sincerely,

Business

Response:

As we stated previously, we are no longer responding to this customer, we consider the issue resolved.

Consumer

Response:

I do not have the paper responses from Citi Bank. The responses said that they submitted to the credit agencies once a month. They did not respond when [redacted] inquired about the status of my loan. This is a standard business practice. This caused a delay in me getting my home refinanced. The delay was almost a full point in interest difference. This over a 30 year span (term of the loan) will be nearly $20,000. I dont really care about that because I am going to sell the house over the next few months, but otherwise the neglect of Citi Bank would have caused a serious financial burden. In addition to that, I missed out on purchasing a house I was very interested in. Long story short, they have not addressed the issue of them not responding directly to the credit agency's direct request for my credit information. This is a standard business practice and I have been wronged in their neglect. I just want someone to acknowledge that they have made a mistake and their actions have caused damage in an individual's life. I have received nothing that addressed the issues that I have brought up here. The only response I have received was "We report monthly." and "we consider this issue resolved". Nothing whatsoever that addresses the damage done.

Review: Interest rate increase for promotional purchase that was never used.Late fees and penalties for payment made at the store location.which resulted in over credit amount limit because of the above.I have sent 2 letters to dispute the billing situation and have heard nothing back.Now they have turned me into a collection agency.Desired Settlement: DesiredSettlementID: Other (requires explanation) bill adjustments

Business

Response:

RE: XXXX-XXXX-XXXX-[redacted]

Dear [redacted]

We are in receipt of your inquiry from the Revdex.com of New York, regarding the above-referenced [redacted] MasterCard account, which is issued by Citibank, N.A. We appreciate your patience while we reviewed this matter.

We understand your concerns regarding the management of your account. Our records indicate that on the November 2012 billing statement, a minimum payment of 209.02 was due by December **, 2012. A payment for $160.00 posted to the account on December **, 2012. Since the payment was received not by the requested due date, a late fee of $35.00 was assessed to the account. On the December 2012 billing statement, a minimum payment of $267.75 was due by January **, 2013. Since no payments were received or the payments received were less than the requested minimum payment dues, late fees totaling $245.00 were assessed for the months of January through June 2013. We consider the balance to be valid.

In regards to your concern regarding the Annual Percentage Rate and promotional financing, the Annual Percentage Rate has been Prime + 21.99% for merchandise and Prime + 23.90% for cash since the account was opened in March 2010. The Prime Rate is currently 3.25%. We have no record that you have ever taken advantage of a promotion on the account. Additionally, we have no record of correspondence from you.

The account charged off on July **, 2013. Due to the level of delinquency, the account has been placed with an outside agency, [redacted]. Any questions, concerns, or payment arrangements for this account must be referred to them by calling ###-###-#### or by writing to [redacted]

Thank you for allowing Citibank to be of service.

Sincerely,

Presidential Communications

Review: After calling [redacted] & discussing their incontinence products for my son with special needs I was offered a $10 prepaid service card. The card came and my son ended up sick in the hospital for an extended time. After returning home I called Citi Bank to explain what had happened. I spoke to a [redacted] at the time. She told me & spelled her name for me. After waiting for 4 weeks I called Citi Bank back using the telephone number on the back of the card. I spoke to [redacted] this time. He told me he checked into the status of this & they did not have anyone working there named [redacted]. He said it would take 24 to 48 hours to see if they can reissue the $10 prepaid card. I waited & called back a third time only to be told they could not reissue the card. I don't know who I was talking to if indeed the person I spoke to was not [redacted]- the name she gave me & spelled for me! Then I was misled to wait 24 to 48 hours to see if they could reissue the card? More nonsense!! This is a small amount but its not the $10 as much as the run around I received! I was lied to & the folks I spoke to were not very courteous!!!I did not call up expecting anything. I called to discuss the products & I was offered the prepaid card. Maybe someone else will NOT go through this kind of treatment with Citi.Desired Settlement: Honor the promise originally made & reissue the prepaid card.

Business

Response:

[redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on March **, 2015 from [redacted] regarding a prepaid card issued by Citi Prepaid Services on behalf of [redacted]. As a business that aims to provide a positive cardholder experience, we endeavor to resolve all cardholder issues in a thorough and satisfactory manner.

After researching [redacted]’s complaint, it was confirmed that this prepaid card was issued in June 2014 with an expiration date of December **, 2014. In accordance with applicable law and regulations, this expiration date was embossed on the front of the card; displayed on the cardholder materials (i.e., “valid thru 12/**”); disclosed in the terms and conditions that accompanied the card with an explanation that the funds would no longer be available after the expiration date

We spoke with the customer on March **, 2015 when he related that he had been with his son in a hospital for several months and did not think about this card. As a one-time courtesy, the account balance was reissued, and a new card sent to the address on file in the amount of $10.00.

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

Sincerely,

Review: I called the [redacted] credit company in June of 2011 and had my husband removed from my account, I was the primary card holder, the bill came to my address, with my name. Yesterday, October **, 2014, My ex-husband was able to call and have my account closed because [redacted] never took him off of my account. I called today to try and have this corrected and they have no record of me calling to take my husband off. [redacted] has poor customer service and also has messed with my credit without my authorization. I do not understand how they can close an account without my authorization. This does not seem legal.Desired Settlement: DesiredSettlementID: Replacement

The account needs to be reopened without affecting my credit. They want me to come in and reapply for an account, I already had an account. It will affect my credit to have to go and open another one.

Business

Response:

Thank you for your communication regarding [redacted]’s [redacted] Credit 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.

Review: Credit card company is failing to provide account number to me

I closed my[redacted] master card several years ago. Recently, I have decided to pay it off finally by using a balance transfer that is offering me interest free rather than being robbed of all the interest [redacted] has been charging me. I was initially signed for for paperless statements. I called in several times requesting my account number and was told due to security purposes it would not be provided to me. On SEVERAL occasions I was transferred to one person to another with NO HELP and nobody seems to tell the other person w hy the call was transferred. I was told several times my statement would be mailed to me but I have yet to receive it.Desired Settlement: I want one month interest credited to me for all the inconvenience and frustration this has caused me as a consumer. I have overpaid for all this trouble the company has put me through.

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 bought $925.99 worth of merchandise with a 18 month 0% promotional balance. I made my payments on time every month to make sure that the balance would be paid before the promotion expired. I then made several other purchases that did not have a promotion. I paid 75$ a month with the amount over the minimum to go to my promotional balance. So I thought.Come to find out they was crediting my payment to my revolving balance. And they are charging me $ 410.00 in interested on a balance I thought I was paying off per the advertised agreement. When I called customer service on 6/*/2014 they said that I had to call and request that my payments go to the promotional balance. That was not advertised. The back of the credit card statement reads "In billing cycles in which payments are allocated to deferred interest balances first, the deferred interest balance will be reduced before any other balance on the account." This was clearly not my case.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like an extension of the 0% on my current balance so I can pay it off with 0% as was advertized to me when I bought the product and therefore wave the deferred interest.

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,

the store in [redacted]. resolved the issue

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Description: BANKING SERVICES, BANKS, FINANCIAL PLANNING CONSULTANTS, INVESTMENT SECURITIES, MORTGAGES, FINANCIAL SERVICES

Address: 8787 Baypine Rd, Jacksonville, Ohio, United States, 32256

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