Citi

Review: Citibank Vendor Grievance [redacted] RE: Citi Mastercard, Account number ending in: [redacted]

To Whom It May Concern:

This letter is a request to correct a mistake on your behalf. On October *, 2014 my overdue balance of $10,679.95 was “charged off” and sent to collection company Global Credit & Collection Corporation. I believe this to be a mistake on your behalf and I am requesting my account to be withdrawn from collections and returned to the Citibank collections department.

This reason I am stating this is a mistake is because on October *, 2014 I was informed by several representatives whom I spoke to that day that if I made a payment of $253.77 by midnight on October *, 2014, my account would not be sent to collections and I could request a hardship program after payment went through. So, I made this payment and when I called to arrange the hardship program, I was transferred to the collection agency. I was able to speak with a [redacted] who told me that the payment had to be made by 5 pm and that is why I was sent to collections. But, that is not what other representatives informed me or I would not have made the $253.77 payment (confirm#[redacted]), which I had to borrow from my father in order to make for the purpose of avoiding being sent to collections. Every time I contact Citibank now, representatives refuse to talk to me and automatically transfer me to the collection agency.

I have had payment plans with Citibank in the past and paid minimum payments of over $500.00. This caused me to not be able to pay other bills and now I am in a state of financial hardship worse that before.

I am requesting for my account to be withdrawn from collections because I feel it was sent in error. It is not fair that I was given inaccurate information from representatives, as stated by [redacted], who was the only one who I was able to speak to at this point. I asked for a supervisor to contact me and have not heard from anyone as of today. Meanwhile, I am being harassed by the collection agency and do believe Citibank is not planning on responding to my verbal complaint and so I am writing this letter asking to correct the mistake and help resolve this situation as soon as possible.

The collection agency you are using has already violated my rights. They have contacted my father who has nothing to do with my debt and I am unsure how they even got his number other than he made the $253.77 one time payment for me to help me avoid being sent to collections. The representative ([redacted]) also is threatening me stating I am refusing to pay, when that is NOT the case and I keep telling him that is not the case. He has also spoken abusively to me several times. I contacted him to notify him of me waiting for a supervisor’s response with Citibank. I am positive my rights have been violated according to the Fair Debt Collection Practices Act, Section 806, 807, and 808. I am planning on paying this debt, however, I believe it is only fair that I work out an arrangement with Citibank Recovery Dept. rather than Global Credit. Please contact me as soon as possible so I can resolve my debts and this unfair situation. I work two jobs, I am a teacher and a counselor and I pay what I am able. I am NOT as indicating my [redacted] refusing to pay. Thank you.Desired Settlement: Resolve my debt with Citibank Recovery Dept and not Global Credit & Collection Corp.

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: This company, Citibank, has not contacted me and when I contact them they automatically transfer me to another business. Please see notes below on a second letter I will mail out in the morning in response to their response. Thank you.

This letter is in response to a message I received from the RevDex.com (Revdex.com). Revdex.com has informed me that you will not speak with them

regarding my complaint because you do not have a release on file. I, [redacted]

[redacted], am hereby authorizing you, Citibank, to speak ONLY with and to ONLY

exchange information with the Revdex.com about my case. My signature below authorizes

this release of information.

_______________________

Also, your response to Revdex.com stated that you would speak with

me. However, I have not received a call from you. Whenever I attempt to contact

you, your system and representatives I speak to automatically transfer me to

the collection company, Global Credit & Collection Corp.. Global Credit

& Collection Corp representative [redacted] is verbally abusive and

apparently no one else will speak with me since he is assigned representative

for my case. I asked to speak with his supervisor and he refused my request. My

rights have been violated according to Fair Debt Credit Act section 806, 807,

and 808 by that company. According to my rights, I only wish to speak with them

through writing due to abusive threats by representative Thabosiziba and providing

me with incorrect information and contacting others who do not have anything to

do with my debt. Again, multiple rights have been violated by this company. As

stated previously, I should not have been sent to them in the first place. Please

review my initial letter and please contact me to arrange a hardship program so

that I may begin to repay my debt owed to you. Thank you.

[Your Answer Here]

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: I have received incurring late fee charges on a bill of 715.80 which was paid in full @ late Jan/early Feb.(@ 1 week after billing due date).

My bill of 715.80 was paid in full(check dated 1/**, appeared on checking @2/*). I made numerous appeals to company regarding the late fees I incurred from Feb. till now via mail. I finally got a written response 5/** stating the amt. of late fees. I called them on 5/** complaining about late fees & was told I would still have to pay some. I am a good customer, I paid my bill @ 1 week after the due date & I don't feel that these fees are fair. A similar incident happened about 1 year ago with this company.Desired Settlement: I feel I am a good customer, who pays my bill within a reasonable time & that I should not have to pay these late fees. I am currently unemployed, so these fees are especially difficult to pay at this time.

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 her directly.

Review: [redacted] Credit Services charged my familily $2,257.63 for interest from what that they considered an unpaid promotional balance.

I contacted Home Credit Services and spoke with [redacted] in Arizona. She was extremely helpful in informing me of my options to eliminate the interest charges during the 20 day grace period. She painfully totalled my payments that were eligible to be applied towards my first promotional balance of $3,641.85 and came up with a total from my 2014 payaments alone of $2,868.00. and stated that if could pay the amount of $773.85 they could eliminate $2019.44 in interest on this account. In her effort to further she assist me , because she could only see payments since January [redacted] of 2014 and I had made nearly $1,000.00 in payments in 2013, she transferred me to a [redacted]. The [redacted] refused to assist and gave me completely different numbers to alleviate the interest. His number to eliminate the interest charges was $1,982.77. His name was [redacted] and he worked in Arizona also. [redacted] was rude and bordered on being beligerent and hostile. I refused to accept his numbers because [redacted] spent significant time analyzing my account and walking thru my options with me and exhibited tremendous competance and customer care thru our entire conversation. [redacted] refused to answer any of my questions as to how he arrived at his numbers either.

At this point, I decided to go to my local [redacted] in [redacted] and speak to a live person for advice in dealing with Card Services. They expressed their own level of frustration and informed me I'm not the first that has had this problem with [redacted] Credit Services. They encouraged me to go home and call and hope to speak with someone like [redacted] from earlier in the morning. I called back this afternoon and after speaking with Naomi and Kyle and now have 2 more sets of differing numbers on what I have paid and what my obligation would be to satisfy the first promotional balance of $3,641.85.

The last 3 individials told me my situation is black and white and the amount I have to pay is set in stone... Yet all 3 had never numbers than [redacted] that started the process and spent the most time on my account.

[redacted] Acct #[redacted]Desired Settlement: I am seeking the resolution that [redacted] the first client representative was seeking but unable to attain due to her inability to see my 2013 payment history and the amount of those payments that were applied towards my promotional balance.

In summary I am looking to pay [redacted] Credit Services the difference of $3,641.85 minus the promotional payment credits of $2,868.00 and minus the 2013 promotional payment credit total that [redacted] was seeking when she transferred my call. I made

Business

Response:

We have corresponded directly with our customer. If you would like to further discuss the resolution, we 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:

[[redacted] Credit Services has not contacted me to resolve this. I am confused totally by their reply.]

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

Sincerely,

Business

Response:

We sent the customer a letter on 03/**/2015. It can take 7-10 business days for them to receive it.

Review: they refuse to honor their advertising promotional offer of a $100.00 [redacted] statement for consumers who sign up for their credit card. they deny that I was ever offered this promotion. here is the link[redacted]Desired Settlement: credit for the airline ticket

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: About three month ago, I applied the Citi AT&T Access More credit card because they have a promotion going on, the details on their website as follow:

When you sign-up for the Citi AT&T Access More card and spend $2,000 on purchases within the 1st 3 months of opening your account, you’ll earn a up to a $650 credit towards a new (no-contract) cell phone.

You’ll receive a special link where you can order your phone to receive the statement credit.

Note: You must set-up AT&T service and keep it for at least 15 days to get the credit.

So, I was approved for the credit card and I brought the cell phone and fulfill all the requirements for the $650 credit reward (this can be confirmed with their customers), so I wait for the reward.

However, the reward never came, after a month, I began to chat with their online chatting service and ask when this reward will be granted, they just told me to wait another month. So, I wait another month, the reward still didn't come, so I contact them again and again. Every time they either said wait couple of months or they don't know why the reward didn't come.

Finally, I contact their customer service reward team or something and they sent me a mail said, they don't have the receipt of the iphone I purchased, so they can not process the reward.

The problem is how should I suppose to know to provide my receipt to CITI to get reward? They never mention in their website, and their customer service also don't know anything. I purchased the iphone and how should I know I need to keep the receipt forever?

CITI's advertisement is misleading. If I never try to contact them again and again, maybe I will never know this trick they are playing to postpone the reward forever. Maybe some customers just forget about it after months of waiting.

This is false advertisement and trick me into apply this credit card and spent money, and CITI don't want to pay my reward balance back. I can not believe such a big banking company can lie to their customers like this. Since I am waiting for this $650 to pay my balance, however it never came, it is generating interest every month! This is an dishonesty way to take customers money.Desired Settlement: I request CITI to process my $650 statement balance immediately. No more excuse such as "wait for another 1 to 2 billing cycle". I also request them to pay back the interest generate from this statement balance. They also should compensate me for their false advertising and numerous time I spent on communicating with them.

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 find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: My credit limit on my american airlines credit card decreased without notice. I was told because I was late on my payment.

My credit limit was decreased by half on my credit card. This severely damanged my credit report and put my debt to income ratio higer.

*Debt to Credit Ratio: My debt to credit ratio, also known as your credit utilization, is the amount of debt you have compared to the amount of credit available to me. If I have a $750 balance on a credit card with a limit of $1000, then your ratio is 75%. Orginially the limit was $1500 which put me under the debt to income ratio.

*How Debt to Credit Ratio Affects Your Credit Score: This ratio paints a picture of you to anyone pulling your credit score. It tells them how much credit you are utilizing and thus how much room you have to spare. It also tells a lot about your financial situation because if you have a high ratio, then it may seem like you are having trouble paying for all the things you need. At the end of the day this ratio makes up 30% of your total credit score.

*How Credit Limit Decreases Affect Your Debt to Credit Ratio and thus Your Credit Score: Let's put this all together. You now know what a debt to credit ratio is and that it is 30% of your credit score. So what does having your credit limit reduced have to do with all of this? Well, let's say you have a credit card with a $2,000 balance and a $10,000 limit. Your debt to credit ratio for that card is only 20%. That's great! You want to keep the total ratio under 30% in order to keep a high total credit score. Then one day your lender decides to slash your credit limit to $4,000. All of a sudden your debt to credit ratio on this card has jumped from 20% to 50% and your credit score will reflect that. So even though you didn't default or pay late, your credit score is all of a sudden going to be much lower. All because your lender decided to reduce your credit limit.Desired Settlement: I would like my limit to be increased back to $1500. The limit decrease severely dropped my credit score and put my utilization rate higher. On the records it does not show I ever maxed out the card and had late payments or even defaulted.

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 have determined that my complaint has NOT been resolved because:

American Airlines (CitiBank) claims I made a late payment in October. This late payment was due to the fact I could not enroll in reacuring payments for the card due to the horrible user interferance of the website. I went out of my way to call customer service to set up a manual payment by phone. The late payment WAS not past due over 30 days therefore is not reflecting a late payment on my credit. I overpaid the minimum that was due after being late, and also got a courtesy waiver of the late charge. I explained to the phone rep about the inconvience of the website and she went ahead and showed me how to enroll in auto payments. Since than, I have made all payments ON TIME, and continue to do so. Attached I given the login screen shot showing I paid on time and that it was not paid over due. Thank you.

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

Business

Response:

We responded to the customer on 3/**/15. The customer should allow 7-10 days to receive our written response. If the customer would like to share this information, they can provide a copy of our response to your office.

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:

Citibank claims I was late on my payment in October on the letter. This was due to bank error. Technical problems were an issue when trying to set up a payment/automatic payment. I was late due to the auto payment not being set up on time by the bank. Since than, I have been on-time with all my payments and also have a automatic payment every month. Lowering my limit halfway for 2 day late payment does not justify this action by CitiBank.

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

Review: I received a letter from Citi stating "thank you for choosing to receive your payroll funds via a Citi payroll card" I do not bank w/ Citi, I called spoke w/ 4 reps was misrouted several times and nobody would help me. the fraud department was the WORST department I am terrified that my information has been compromised the rep I spoke with was HORRIBLE. I've already spoken w/ my payroll department there has been no change with my payroll but I still need to know what this letter is about, and nobody would provide me with any info. I asked to speak to a supervisor and was transferred to a voicemail box. the rep from the fraud department was a joke, she said she was not aware that citi even had a prepaid department. I just need some answers and I need some help. I want to make sure my information hasn't been hacked and that my payroll check won't be stolen out from under me.Desired Settlement: I really would like someone to contact me and explain what this letter is about thanks

Business

Response:

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

Review: In October 2014 I filed a dispute regarding fraudulent charges made to my account by a casino in the dominican republic. After sending numerous documents to customer service, I was informed that Citi Bank could not resolve my dispute: the reason, I did not have a receipt. I filed an appeal and again was told I needed a receipt. HOW WOULD I HAVE A RECEIPT IF THE CHARGES WERE NOT MADE BY ME. I asked to speak to the investigator who handled my dispute and was told no. After numerous faxes of documents and phone calls no one could answer basic questions about my appeal denial. This is an amount of money exceeding $8,000.00. I recently sent a letter to the [redacted] asking for his help in resolving this matter.Desired Settlement: A full refund of the disputed charges.

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: My father currently has a [redacted] Department Store Credit Card issued by CitiBank. I am an authorized user on the account, in fact I've made all the purchases on the account. I also manage and pay the account. I made a purchase on 05/**/14 that qualified for a 12 month no interest promotion if the balance is paid in full, if not deferred interest charges would apply. I understand that and unfortunately I wasn't able to pay off the balance before the promotion expired and I was ready to accept that I would be paying the interest charges on the account. I understood the promotion when I was given the promotion.

My reason for the complaint is due to the way they represent interest charges on your monthly statement. As of my April statement, I had two promotions expiring in May and the bill stated I would be charged $447.87 and $22.01 for deferred interest charges on my account due to two different promotions expiring. However, when my May statement was delivered I was charged $493.71 and $26.32 instead. Now the reason is because they are charging interest based on the full purchase amount, which again I understand. But nowhere on my April bill did they ever express those were the charges. It's only a difference of $50.15, but it's not about the money but the principle.

I spoke to a representative and a [redacted] and neither cared to see things from my point of view. The employee blatantly said I was wrong and the statement I had was incorrect and the [redacted] kept rambling about how they charge interest based on the daily balance on the account. I know interest is charged on the daily balance and there is no way to predict how much interest will be charged on my account in the future because a lot of different variables go into the number. However, when it comes to promotional balance, I do not understand why they would use their daily balance method (which I read about in the fine print of their statement) because it is black and white when it comes to those interest charges. Either you pay the entire promotional balance by the expiration or you will get charged deferred interest on the entire purchase, and regardless of the time that has passed the promotion is for a set amount of time and the APR on each individual account is already predetermined. I do not understand why they would mislead consumers into what the actual deferred interest charges would be on their respective accounts. I believe this is an unethical practice used in order to mislead customers and line their pocket with extra revenue. I believe it to be fraudulent and a misrepresentation of the customer's debt actual debt.Desired Settlement: I would like to be credited the $50.15 because as of my April statement, that's what the company advised I would get charged. I would also like for them to change the way they present interest charges on the statements they issue all customers in order to not mislead any customers. They should not be using the daily balance method when it comes to any promotional balances because the daily balance method does not apply to the promotional accounts because it is pre-determined. The statement should be clear and precise in regards to what interest will be charged if the promotional balance is not paid by the expiration date.

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. [redacted]Executive Response

Review: I received a notice of privacy practices in the mail from Citibank's student loan department, informing me that they will gladly sell all of my private information unless I opt out. The letter contained a number instructing me that their "menu will prompt you through your choice(s)". So I called, and the telephone system recognized my number and verified my identity. I was surprised to learn, however, that the menu did not guide me through the choices. I requested to speak to a customer service rep who promptly requested my SSN. I noted that the telephone system had already verified my identity, but she said that the data did not come through to her computer. So I gave her my account number. She said that they still needed the last 6 digits of the SSN and my DOB. I told her that they should not be using my SSN like that, I had already given them my account number, and that I was happy to provide other information. She insisted on the last 6 of my SSN. We went back and forth like this for a while. Eventually, I told her that I wanted to file a formal complaint. She put me on hold and came back after a couple minutes and told me that no supervisors are available. I indicated that I did not believe her, but that didn't change anything. I eventually surrendered and gave her my SSN and DOB. She promptly told me that I had already opted out and there was no reason for my call in the first place. So I again asked to speak to a manager, and, after a brief hold, she again told me that none was available.Desired Settlement: I want Citibank to promptly change at least 3 of their policies. First, they should not so carelessly rely on SSNs for identification purposes. There must be some other means of obtaining verification--particularly where the inquiry is not about sensitive information (as mine was not) and especially where the telephone system had previously verified my identity. Second, there must be supervisors available at all times (at least after a reasonably short wait). No customer should be told "sorry, you can't complain because no supervisors are available now." Third, Citibank should not be selling our private information to non-affiliates unless we opt in.

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]

Citibank's letter says little more than "this is our policy and, if you don't like it, that's too bad." With regard to the privacy issues and their misuse of our social security numbers, they write that they need to misuse the social security numbers so as to ensure the identity of the person they are communicating with. But they could resolve that problem by issuing their own identification or crs and allowing customers to use their Citibank cr rather than an SSN. Many other businesses are doing this today. Moreover, it is likely sufficient for their security purposes to request the account number, address, and some other identifier (e.g. mother's maden name), rather than relying so heavily on the SSN.With regard to my inability to speak to a senior supervisor to note my complaints, they say that I was entitled to receive a callback in 24-48 hours. That's terribly inadequate. I understand that it is impossible to ensure that a senior supervisor will be available at all times that the calling centers are open. But there should be an adequate number of senior supervisors on staff to adequately handle the demand, such that if no one is available at the time a customer needs to speak with someone, the customer will be able to wait on hold for a reasonable amount of time or receive a call back in no more than an hour or two. Citibank's decision to force people to wait 24-48 hours before speaking to someone is simply a means of discouraging complaints. It is a strategic decision on their part that represents poor business practices and must be corrected.

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

Sincerely,

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 have determined that my complaint has NOT been resolved because:

Again, I have received no response in the mail and have no confidence that Citi intends to resolve this appropriately.

Sincerely,

Review: Since October Citibank Credit card has been reporting to the credit bureau that I am disputing the account information, which I am not. I've talked to numerous supervisors and they have removed the comments. But for some reason after a few days past Citi places the comment back on my credit report. This is causing a serious hardship for me since I am refinancing my home to pay my debt with citi bank. Because of Citi banks errors I have prolonged my refinance for over a month not. I can not pay my credits any more and have found the option to refinance to pay Citi but because there is a dispute on my credit my refinance can not close.Desired Settlement: To please remove the Comment: Consumer disputes this account information (ending in #[redacted]) and give me an extension to pay my cards and not report that my payments are late since citi bank would have been paid in full of the debt, but since there error is causing my refinance to be extended.

Consumer

Response:

Please have Citi bank to request the credit bureau to remove the comment : Consumer disputes this account information, since I am NOT dispute the account.

Business

Response:

Dear [redacted]:

We recently received an inquiry on your behalf from the Revdex.com of Metropolitan New York regarding the dispute comment reflected on your credit profile related to the above­ referenced account.

Our records reflect that we requested the credit reporting agencies remove the dispute comment on October **, 2013. Upon receipt of your inquiry, I verified that the dispute comment is no longer appearing on your credit profile with any of the three major consumer reporting agencies.

In regard to your request for a payment extension, per the terms of your Card Agreement, you must pay at least the minimum payment due by the payment due date each billing period. In addition, the Agreement explains that late payments, missed payments or other defaults on your account may be reflected in your credit report. Because your credit profile reflects the manner in which your account was maintained, the account information and payment history are correct. However, you may place a consumer statement on your credit profile to explain any extenuating circumstances that may have prevented you from making payments.

I appreciate this opportunity to respond to your inquiry.

Sincerely,

Review: This company has become a nightmare for my husband and I, not only did they NOT post a payment I made to close my account, they didn't contact me about it so A WHOLE MONTH goes by and they charge me over $200 more! Then they non stop call me on a weekend, leave no message, for non payment!!! I have bought a television, that has been repaired 4 times, and as of right now is still not working. I paid $1700 for it, I forgot the end of term unfortunately and they charged me $600!!! Ok, BAD LESSON FOR ME, but when I go into pay it and leave a month later, I find out they DENIED IT!! No warning!! $236 dollars LATE FEE later I find out!!! Did I mention this TV DOESNT WORK!!! Has been repaired 4 times, oh!! And if I have them bring me a new TV I LOSE THE over $300 I PAID FOR A WARRANTY!!! I guess I'll have to eat this, along with the LAPTOP FOR $750 I bought that doesn't work either...I asked them to check into it and call me on Monday, you know, a regular work day. Today is Tuesday and I still haven't heard. But they can call me nonstop all weekend!!

Product_Or_Service: Samsung 55"Desired Settlement: DesiredSettlementID: Contact by the Business

I want the newest charge off, I want to pay it off. I want a new TV WITH THE SAME WARRANTY and I want to be taken off ANY LIST they have me on.

Business

Response:

We responded to the customer via the U.S. Postal Service on July **, 2015. The customer should allow 7-10 days to receive our written response. If the customer would like to share this information, they can provide a copy of our response to your office.

Review: [redacted] did not apply payments to promotional items, resulting in 22% interest on $386 after 6 months.

On May **, 2014 items were purchased in good faith from [redacted] using a [redacted] credit card at a cost of $386.12. These items were purchased under a 0% interest program, provided the items were paid off in a set period of time.

From May ** to November [redacted], [redacted] received $928.68 in payments for these and other purchases. However, these funds were not applied to the promotional purchases. This has resulted in an balloon interest rate on the full amount of $386.12, which is a much higher rate than would have been paid if the monies had been applied properly.

I was informed by the [redacted] credit employee that this should have been made clear that in order to have the money applied properly I would need to call the center for each payment and tell them to apply to the promotional purchases. This information was not provided by any employee at any time, including my most recent purchase at [redacted].

I was also told that if I had read the fine print of page 2 of the 10 page document it was stated there.

This seems to be unethical practice, and is causing a burden to my family. Please help .Desired Settlement: I wish the funds that were provided to [redacted] in the amount of $928.68 to be applied to the promotional purchases, which are the highest interest payments for the credit card.

Business

Response:

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

Consumer

Response:

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

Sincerely,

Review: I received an offer in the mail for no interest for 18mos on +-$1200.I charged the $1200+- worth of building materials in June 2014 based on that advertisement. monthly statement has charged interest every month since then. I called corporate offices, they said 5% discount was given at time of sale and you can either have 5% or no interest. I explained that I did not ask for 5% and was not told that at the time, and I would rather have the no interest, even if they had to add back the 5%. They said call local store. I did, the manager was nice, said they could honor the no interest and the 5% off, but still the statement shows interest charges.I have written corporate 2 times asking for a written response. someone called once but I had already spoken to corporate office and local store and did not want to speak about it anymore.still have not received written response. I do not intend to pay the interest charges under any circumstances. I need to know the balance without any interest. It would take me awhile to look up the original purchase and subtract my payments to insure that no interest would be charged. I will keep the account open if they will honor the original no interest offer. thanks for any help[redacted] account #[redacted]

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

tell me the balance now without interest and I can pay it off.my statement says $384.50 balance. I suspect the true amount owed is around $100, but again it would take time for me to get the final amount owed. If they cannot provide an answer, I will pay what I calculate the balance to be, close the account and that will be thefinal resolution.

Business

Response:

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

Review: Citicards went into my acct and claimed I did a ACH over the phone with my bank..as you see in this message, that was not the case. They still have not notified me by email or any other way of the withdrawal and have not posted to my acct the three hundred dollars, however the money has been removed from my acct. I have chatted and emailed with them with NO results. I have also consulted with an attorney to confirm this is, in fact, illegal.

Email Transcript

Send

A Citi Cards [redacted] will be with you in approximately 0 minutes 4 seconds.

For your protection, we'll never ask you for passwords, PINs, User IDs, security words or any part of your social

security number during a chat. Other information may be required to help us verify your identity. This chat may be

recorded or monitored for quality purposes.

You are now chatting with [redacted].

[redacted]: Welcome to Citi Live Chat. We appreciate the opportunity to service you. How may I help you?

[redacted]: Hi, I am concerned that my acct has been compromised. I came to make a payment today and see that a phone

authorization was given for a three hundred dollar payment. I did not do that and I am the only person on this acct. Also, why was I charged

interest twice this month? TY

[redacted]: I apologize for the inconvenience, I will have a quick look into your account and check this for you, [redacted].

[redacted]: In addition, I was charged a thirty five dollar late fee on the day the payment was posted??

[redacted]: I completely understand your concern, [redacted], I am checking this for you.

[redacted]: Please allow me a minute while I review your account details.

[redacted]: Thank you for your patience, [redacted].

[redacted]: Does Citi manage HSN Cards?

[redacted]: Can you expand HSN?

[redacted]: Home Shopping Network

[redacted]: I thought maybe that was who took the payment but it isn't

[redacted]: Thank you for confirming, [redacted], Citi does not manage home shopping network, however you can visit

[redacted] and double check this.

[redacted]: Just to confirm, may I ask have you received any call or email

from our collections or fraud department?

[redacted]: okay...do you see what happened with this call in payment. I have never called in a payment. I always pay after I

get a check first of the month...online

[redacted]: No

[redacted]: No call

[redacted]: No email

[redacted]: Thank you for the confirmation, may I confirm the reason for missing the payment?

[redacted]: I can't meet the time frame, since I don't get paid in time and the fees are killing me each month

[redacted]: I apologize for the inconvenience, you can change the payment due date online of your preference and the new

payment due date will become applicable on the account within twelve

billing cycles from your requested date.

[redacted]: When I have tried to pay extra..it never applies to the next month's payment..it just comes off the balance...two

steps forward...thirtyy seven back

[redacted]: Really??

[redacted]: That would be great! How do I do that?

[redacted]: I will be happy to, walk you through the online steps to change it.

[redacted]: Please click on the "Account Management" tab.

[redacted]: Okay, thanks

[redacted]: In

[redacted]: You are welcome.

2/*/2015 Chat Window

[redacted]: Then click on "Change Payment Due Date"

[redacted]: Oh, I see it! There is no way to catch a break for any late fees, is there? I am a single mom and doing the best I

can!

[redacted]: Its under the heading "Account Management Services" on the right side.

[redacted]: Done

[redacted]: Great!! I am happy to know that.

[redacted]: Our auto pay service will help you in avoiding the late fee on the account.

[redacted]: Yes, but the balance changes each month and the fees change, so how do I know my payment amount to set to

avoid???

[redacted]: And it shows that the $300 came out of my bank acct but does not show pending on my Citi acct

[redacted]: You have the option to chose the minimum due amount.

[redacted]: K

[redacted]: Is there any way to reduce my interest rate?

[redacted]: It's brutal

[redacted]: I still can't figure out how authorization was given for the three hundred dollar payment?

[redacted]: It also doesn't show the three hundred dollars as having been received

[redacted]: [redacted], I see that the payment were made over the phone.

[redacted]: Not by me.

[redacted]: On what date?

[redacted]: On 02/**/2015.

[redacted]: That is impossible.

[redacted]: I direct children't theatre and I went straight from my library programs to rehearsal till 11pm. I would like this

investigated, please. I would like to start a dispute, because if someone access my checking acct without my authority, that

isn't right.

[redacted]: Also, why doesn't it show as a payment received?

[redacted]: Why would I pay three hundred dollars when I don't owe that much and I am struggling to keep up?

[redacted]: Still there?

[redacted]: My sincere apologies for the inconvenience, your account has gone over the credit limit so our collections

department has made the payment on your behalf.

[redacted]: Well, that is illegal

[redacted]: My acct went over because of your fees

[redacted]: As we have not received the payments on time, the late fee were automatically posted on the account by the

system.

[redacted]: excuse me?

[redacted]: That is not what I am disputing. Please give me a supervisor and thank you for your help

[redacted]: This conversation has been saved for my records.

[redacted]: Thank you, you can take a print out of the chat session, our supervisor will be available over the phone at our toll

free number.

[redacted]: I have just copied and pasted for my bank and they will be handling the dispute thru the Credit Union.

[redacted]: [redacted], our collections department will have the access to make the payment whenever the account will be past

due or delinquent status.

2/*/2015 Chat Window

3/*

[redacted]: NO, they do not.

[redacted]: I see that we have not received the payments of minimum due from the November month on time.

[redacted]: They have not been authorized to enter my acct and as of this day...I will no longer be a paying client. Screw me

once shame on me. They have received payments each month and added enormous fees each month.

[redacted]: There is no reason for us to discuss this further. Entering my acct, as you stated and taking a random amount that

doesn't even bring the account to the correct balance is illegal.

[redacted]: The payment that was of three hundred dollars is still pending for some verification.

[redacted]: It is not yet posted on the account completely.

[redacted]: Yeah, I imagine it is, since it is stealing.Desired Settlement: They will admit to this crime.

Be held responsible.

Return my money and compensation for the fees I have been charged, since I thought this amt was still in my acct.

I am not giving up the right to pursue a lawsuit against this company. No one should be subjected to this kind of larceny when they allow a company access to their personal acct.

Business

Response:

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

Consumer

Response:

I received an email requesting that I call Citibank. I responded immediately saying that I wished for all correspondence to be in writing regarding this complaint and I have not heard from them in a week. Today is March **, 2015. They have not returned the $300 to my checking account that they falsely claimed was an over the phone ACH processed by me. The chat that I included in my original complaint shows their representative admitting that I was a few days late and their collection department went into my account and took the random amount of $300, which was not the amount I owed. They DID NOT send me an email stating that they had taken this amount or snail mail stating this. I found out when my account went into arrears. Please proceed with this complaint.

Consumer

Response:

Citibank has written in response to this complaint stating that I set the ACH for $300 on February [redacted], which is physically IMPOSSIBLE. I direct Children's Theatre. I had shows from 7am to 10pm on that date. They illegally went into my account, as you can see by the response in the CHAT with their representative. She stated that their "collection department" went into my account and authorized $300. I continue to state that, "I DID NOT AUTHORIZE THIS TRANSACTION" and it cost me $50 in fees. I will NOT pay one cent more on my account until this is resolved.

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: Guilt without justification. Prevented from making payments for 90 days due to [redacted] WEBSITE NOT WORKING CORRECTLY.

Made a payment and the account was not debited. I contacted [redacted] and learned that the Account number did not enter correctly. For this reason [redacted] have placed a block on my account preventing me from paying my bill. This requires me to call the OUTSORCED personnel. [redacted] is damaging my reputation by indicating guilt without investigation, research, or even contacting the customer. Since [redacted] partners with [redacted], it is their job to inform the customers of any discrepancies to an account. I demand that [redacted] ands [redacted] apologize for this treatments and immediately remove the unjustified block to my Bank Accounts. If they are not able to resolve this to my satisfaction, I will file a [redacted] complaint and a [redacted] complaint. I will have programming. Only a Corporate Spokesperson is to contact me from BOTH companies.Desired Settlement: Remove the block, Contact me and apologize for this unjust treatment without investigation or guilt determination in Civil Court.

Business

Response:

Thank you for your communication regarding [redacted]'s [redacted] account. Due to privacy concerns we are unable to release customer information to the Revdex.com. We have responded directly to the customer as of October 2014.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID[redacted], and find that this resolution is typical of large corporations . Citibank sent me a letter indicating that they would allow me to continue to make my payments, however: They treated me as if I intended for this to happen in the language. This issue was due to a website snag that prevented me from putting my information in the blank. It took all the information without verifying its completeness. When I tried to explain, I got nothing but corporate garb.

Sincerely,

Review: Contacted customer service to make a payment on a past due bill due to unemployment. Was informed during the payment process that the company had closed my card. Told them that I needed to make sure the account was open before the payment could be completed. Transferred around, discovered account was closed, permanently. Told rep I needed to call back and schedule payment later when I could better afford it, but the payment had been processed without my consent in the interim and could not be refunded.Desired Settlement: Refund the $25 payment scheduled, and set up a settlement amount for the account in the future.

Business

Response:

Tell us why here...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:

[Your Answer Here]

Initial complaint was that the bank made a mistake in processing a payment that I requested be held until certain information was verified, only to discover the payment was process while I was verifying the information. When informed of this, bank rep repeatedly explained information I already knew, then requested time to research a recording of the phone call of the interaction in question. When no such recording could be located, the bank assumed no liability and only offered an alternative credit that does not suit me or my needs. Explained this to the rep, but the rep had no alternatives to offer. Accepted the concession because it was the only presented course of action, but clearly stated that this is not a satisfactory resolution to my complaint -- it seems ridiculous that the responsibility of proof that I had a bad experience lies in the hands of the people who created the situation in the first place.

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

Sincerely,

Business

Response:

Tell us why here...We have corresponded directly with our customer on 3/*/15. Please allow 7-10 business days for the customer to receive the letter. 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:

[Your Answer Here]

As per their limitations, I believe my complaint cannot be resolved as they refuse to reach a solution I am satisfied with.

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

Sincerely,

Review: I have been a Citi customer since 1998. In July 2014, a mysterious payment appeared on my bill - $10.80 for "interest charged to standard purch." I think it was related to a late fee that was removed administratively. I was told this charge would be removed. But it wasn't. The next month, I was charged a $25 late fee for the $10.80 charge. I was told there was nothing Citi could do about it. Each month, Citi charged interest and another $25 late fee. I spent hours and hours on the phone with people out of principle. I have copious notes. Some people told me they removed the charges, others said they couldn't. Long story short, one Citi rep removed the charges, which had ballooned to $123 by October. The whole time Citi reported "serious deficiencies" and 90 day and 120 day late payments. This has RUINED my perfect credit. Citi refuses to correct the credit reports. The whole thing started because of Citi's error. Citi told me there would be no charges in July - and despite my repeated calls, Citi did not correct the problem.Desired Settlement: All I want is for Citi to correct my credit report to show a Citi error and not my delinquency. This is urgent.

Business

Response:

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

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because: although Citibank claimed that it would be in direct contact with me, as usual, Citibank did not call or write. This is similar to what has happened to me repeatedly. I was told over and over again that a manager would call to fix the problem with the charges - within 48 hours - but managers never called. This is just more and the same. Citibank should tell Revdex.com how they intend to address the problem that they have caused. Ruining a customer's credit over a $10 mistaken charge is just horrible, and making me wait another day more to correct it, preventing me from qualifying for a loan, is inexcusable. What will Citi do to correct this problem?

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

Sincerely,

Business

Response:

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

Consumer

Response:

I have 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: Ref: CITI [redacted].

It is pure agony with it.

[redacted]# [redacted]###-###-####

I have more than $13,000 credit in the account. CITI froze my account due to Fault Alert I placed 15 years and contains my home phone number [redacted] that was dis connected 10+ years ago and reassigned to some one else now.

1) CITI expects me to answer at ###-###-####.

I wam seeking Credit Bureau help to remove the Fraud aslert. I offered to come with My passort & driver licence. That is issue #1.

Other issue is I made Balance transfer from my other accounts to CITI [redacted]. It is held for 30 days for review. It is pure customer annoyance.Desired Settlement: I want my credit in the [redacted] refunded to me now to the address listed while obtaining credit card. CITI has my official and correct address. I need pay medical bills NOEW. Can not wait another week. It is my money Iwant it to bereturned NOW NOT in the future that CITI wants to because of crooked and unfair business practices.

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: Collection in the credit history from 2008/09 which I had disputed and I Consumer closed in 4/** the account due to fraud. Someone purchased patio (I think) furniture using my account number. We filed numerous disputes and mailed numerous letters of disputes to [redacted] but the collection was filed and still remains on my credit history. Back in 2010 they even assured me it was handled and resolved. My closed account number is at [redacted] is [redacted] Billing address is [redacted].

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

DesiredSettlementID: Other (requires explanation)

Please help get this issue finally removed from all my credit history by all credit reporting agencies asap. Thank You in advance for your help in the matter. I even asked numerous times to produce my signature on the purchase and I would be happy to pay but they never received or could because I never purchased. I also wrote letters to [redacted] Credit Services, [redacted]

Business

Response:

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