Citi

Review: I received a credit card, it was never activated by me. I never received a bill or statement. I never received a replacement card when the credit card expired. I called number on back of card and was disconnected 5 times, I went to website and they said card was not recognized, I finally got a person and they said that they had taken my entire balance in fees and offered to refund only $3. They never provided a service for fees they took, I confirmed they had my full address on file, they never notified me of any fees it was outright theft. I asked to speak with a supervisor, I was put on hold for 20 minutes and then the phone cut out.Desired Settlement: I just want the $20 balance returned to me that they took in fees that they did not provide any service for.

Business

Response:

Please forward this to your Long Island City contact.

Business

Response:

September **, 2013

Revdex.com

ID # [redacted]

To Whom It May Concern;

Citi® Prepaid Services received a complaint from [redacted] prepaid account issued by Citi Prepaid Services. [redacted] indicated his prepaid card had expired and that he was assessed monthly account maintenance fees which had reduced his available balance to $0.00

We were able to speak with [redacted] on September **, 2013 regarding his complaint and the expiration of his prepaid card and explained the associated fee scheduled included with his prepaid card. All account maintenance fees have been waived as a onetime courtesy for customer satisfaction purposes reflecting an account balance of $20.00. Check # [redacted] was issued on September **, 2013 in the amount of $20.00 to [redacted] address of record.

If the Revdex.com should have any outstanding questions regarding prepaid account my contact information is listed below.

Sincerely,

Customer Service Manager, CS Operations

Citi® Prepaid Services

Citi Transactions Services

(P) ###-###-####

(F) ###-###-####

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.

Very happy with the representative who called me and took action that the initial customer service rep failed to do on my initial call. Thank you also to the Revdex.com

Sincerely,

Review: Citibank operates Home Depot credit card as a private label. Due to their incompetence I continued to accrue late and other fees as they failed to provide credits they promised in timely fashion. They did not provide timely correspondence and billing and I had to contact them several times to correct. In the end, since they could not correct I was erroneously charged $29.38 due to their predatory practice. To clear the situation which never would have ended if I did not (can only credit one fee per pay cycle I was told so if you had more than 1 item, you would be in arrears and thus charged a new fee and credited once, etc.) I paid this $29.38 and have contacted FTC and Revdex.com for resolution.Desired Settlement: Refund $29.38 and cancel my credit card

Business

Response:

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

Consumer

Response:

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

[Your Answer Here]

I have received no correspondence or redress to my complaint of improper actions and handling of my account at Citi. I am still being unfairly charged the $29.43 and have not heard from this business. I asked them to contact me via email or phone on file so we may resolve. Thank you

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 have not received any written response nor phone call from the merchant, and it has been 13 days since they reportedly sent such written response. I would ask they resend via email to [redacted] or via phone call to my mobile [redacted]. PleaseThank you,

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 via email, as requested.

Review: Their predatory lending has caused me undue hardship and I cannot afford the payments and they have NO way of helping me or even wanting to help me.

I had filed a complaint with Revdex.com about them but instead of helping me or offering some sort of respite, they INCREASED my payment amount and made them DUE IMMEDIATELY, even though I am in school. [redacted], the man in charge, is a heartless, cruel monster and instead of even trying to help me, he increased my loan amount and made them due faster than they should have been (I have loan deferment documents saying that they're deferred until 2019).

This is completely unfair, I am on the verge of a nervous breakdown, my health is deteriorating and I am working 2 jobs trying to pay off this insane loan amount and all I'm asking for is help from Citibank because I'm panicking and I can't afford this. Please help me, stop being so cruel and please help me. It's not fair that the banks get bailouts but normal people like me have to live out of their cars trying to pay this absurd monthly amount.

Their previous letter said they appreciate my hardship- what does that even mean? Please just help me, I'm begging, I cannot afford this, I'm terribly sick and have [redacted] issues as a result of this overwhelming debt suffocating me and I'm hopeless, please. Any sort of help would be very needed.Desired Settlement: Anything, any help you can give me, please. Please please. I'm sitting here crying because I can't afford it and I don't know what to do, I'm living out of my car right now. Please, anything.

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:

They didn't offer any help. They just told me that I'm stuck and I wont be able to do anything about it.

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

Sincerely,

Review: We mailed 4 checks for 4 separate Citi Card accounts. All 4 checks were in the same envelope. Each check was stapled to the corresponding statement so that there would be no confusion as to where the checks have to be applied. We endorsed them properly and did everything we possibly could to make sure that there would be no issue.We also sent the envelope priority mail. Per [redacted], Citicards got the envelope at 7:18 am on 12/**. Citi cards posted 1 of the checks but failed to post the other 3 checks. They mis-placed them. We started a payment investigation on 12/**. Citi assured us they would find the checks and post them to our account. Some reps said 3-5 days, other reps say 5-7 days. Other told me not to worry because there are no late fees on my acct. This is not acceptable. The last rep [redacted], that I spoke with 12/** said I would get an email on 12/** or 12/** and the checks will be applied 12/**. I am not surprised , but We never go an email and the payments still have not been posted.Desired Settlement: We want the payoff checks that we mailed to be applied with the effect date that Citi received them 12/**/14. We want these checks applied to our account ASAP

Business

Response:

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

Consumer

Response:

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

Sincerely,

[redacted] And [redacted]

My elderly father has had a Sears credit card since before I was born. He likes to be on time or early in making this monthly payment since the interest rate is atrociously high. Because of this, he has made more than one payment in the same calendar month. Now, this should be considered responsible, but not according to Citibank who "issues and services" the Sears card; they just told me that the bill was past due to the tune of $108 (the balance was around $50 total), and that a payment had not been made since November 2015 until last week. Since I check all bills to make sure they are paid, I know there have been payments made and the account balance should be less than $20 (dad buys small drill bits and such for home projects). Perhaps Citibank should stop preying on their customers and focus more on their position on the stock exchange, which from what I just saw, was less than stellar. I do not recommend this company to anyone and I urge any current customers to seriously consider a change of credit providers.

Review: I contacted customer service due to an incorrect fee. The 1st rep didn't do her research. The 2nd rep resolved the issue but the practice is still bad

I had an interest fee charged to my account during a finance promotion. I contacted customer service via the website chat feature on 7/**/15 to explain the issue and that the charge had already been deemed incorrect once and reversed in the previous statement period. The rep, Stacy, did not do any real research to resolve the issue even though I told her the charge was deemed incorrect in the past. She continued to tell me that the charge was correct and refused to dig any further. I then called and spoke to another rep who was able to see that the fee was incorrectly charged. She explained that the fee was charged because they didn't include my entire purchase under the promo because the items shipped separately. She said that the system will not catch this so I aways have to check myself and call customer service to have this corrected.

I have a huge issue with the first rep who handled this. She should've know this and been willing to do further research. It is her job to review these things when someone calls. She acted like she expected me to just take her word without much explanation. This was a very negative customer service experience. I have worked in lending in the past for many years and would have never treated a customer like that.

In addition, I do not think it is fair for [redacted] Credit Services to expect the consumer to catch the fee error that happens when products in the same order ship separately. Especially, when there are reps that won't even explain that problem to the consumer.Desired Settlement: The fee was reversed. I am writing mainly to inform about the 1st customer service rep and the system issue that will allow an incorrect fee.

Business

Response:

We responded to the customer on July **, 2015. The customer should allow 7-10 days to receive our written response. Should the customer have additional questions or concerns, they can direct those to the address listed in our response.

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,

Citi disgusts me with how poorly they treat their clients. I've been with them since 2010 and have always paid on time and during tax season have always gave them $2000 or more but they are not happy with that. I offered to pay one large sum if they'd considered a settlement and they refused. They refused to settle with their client that hasn't been late on a payment, not only that but they refuse to bring down my interest rate 22%. I'd say the least they could do is low my interest rate to anything lower than 10% if they are unwilling to accept a settlement. I've been nothing but a loyal customer

Review: I called Citi to cancel my credit card on September **, 2014 to avoid paying the $95 annual fee. The customer representative I spoke with wants me to keep the card open and she told me if I spend $1000 in the following three months (September, October, and November), I will get a $50 statement credit back to my card. I agreed to keep this account open and spent $1007.90 on 09-**-14, $1007.90 on 10-**-14, and another $1000 on 11-**-14, exactly as what I was told to spend $1000 or more in each month during the following three months. However, I didn’t find the promised $50 statement credit in my recent statement. So I sent Citi a message regarding this matter. But they responded me as below.

“Dear [redacted],

Your account was enrolled on 9/**/14 to receive a $50 statement credit after making $1000 in purchases each month for 3 consecutive months.

Our records show the spending threshold was not met for each month therefore the statement credit was not awarded.

We trust that we have responded thoroughly to your concerns with your account. If not, please contact our Customer Service Center at ###-###-#### for additional assistance.

Regards, [redacted]”

I told them I did spend $1000 each month for 3 consecutive months from September to November. But they told me I have to make purchases during the different billing statement cycle, which I was never told before. I don’t think I misunderstood the promotion because it clearly states that “making $1000 in purchases each month for 3 consecutive months”. It doesn’t state as each billing cycle at all. Everyone will assume it means three calendar months, e.g. September, October, and November, during which I made the qualified purchases.Desired Settlement: Citi should honor their promotion for keeping me have this account open. I did spend more than $1000 each month from September to November, therefore my purchases qualify the terms of the promotion. I want CITI to credit $50 back to my card to fulfill their promise.

Consumer

Response:

Finally I called the number on the back of my card and the representative was able to help me on my case, and find that the resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: Since December 2009 Citi Identity has been charging me $12.95 for services I never requested through [redacted]. I found out about this issue when cancelling my services with [redacted] for monthly charges. I then spoke spoke to customer service from Citi Identity monitor about this situation. The first represntative I spoke to was being told what to say by another individual in the back round in a rude manner. For example when I explained I did not sign up for this service, The gentleman in the back round said "yeah he did, tell him he did", and "he had to of signed up for it". After requesting to speak to the supervisor, [redacted] ([redacted]) came on the line. The only thing he could do is give me a fax number and a PO box to send my disbute, and only three months of payment back. No number would be given to me, so I could speak to a representative about this. I find it hard to believe that a company would have the ability to charge me money for this amount of time, but yet make it so hard to resolve the issue. I feel this is an unacceptable practice and would like to have the ability to dispute charges over the phone, not be given a fax number.Desired Settlement: I would like to have my money returned to me in full.

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:

I have not recieved any notification or attempts from Citi corporation to resolve this issue. It still remains unresolved.

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 still have not heard from Citi identity about this situation. I think it is sad that they would tell you to reach out to me, but yet they have not contacted me. They had all of the information needed from my [redacted] card and time to take money from me, but they dont have the time to contact me. Great advise from Citi! It shows me again what type of business Citi identity is.

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.

Review: I was prompted via email to use Citi's Price Rewind service. The prompt was to simply allow Citi access to search for lower prices on items already purchased, which I did allow. I later received an email telling me Citi had found a lower price for a purchased item, and that I should submit a claim form using the information they found. I did so in October.

Now, in December, my account has not been credited. I contacted customer service about this issue and was told that my claim has been denied because the information I provided about the lower priced item did not match the information about the item I purchased. When I protested that I had not provided the information about the lower priced item - Citi itself searched for and provided the information - I was told that was untrue, as their process does not work that way. The representative I spoke with refused to listen to or believe that I had not submitted the information about the lower priced item, and refused to work with me.

In my opinion, this is false advertising and a classic bait and switch. Citi itself matched the lower priced item with the item I purchased; I was not involved in that in any way. And now, even though they told me I was entitled to a refund, they are refusing my claim. I believe it's clear that they have denied my claim simply to avoid paying the $300 to which I am entitled by their own claim.Desired Settlement: I want my account credited the $300 Citi told me I was entitled to.

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:

I have spoken only once with a representative who gave me the same runaround I received before. Immediately following that conversation, I sent an email with evidence supporting my claim, which the representative knew to expect. I have received no further contact from Citi since then, and this matter is not resolved.

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 have not heard directly from Citi in the past two months, at least. The only communication was via phone conversations in which I received the same scripted run-around from at least two different representatives. Those calls in no way resolved my complaint against them.

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.

Review: I received an e-mail from Citi soliciting a promotional offer that if I used my existing card ending in [redacted] for $300 in purchases for 3 months that I would be eligible for a statement credit up to $45 ($15/month for each month that the $300 threshold was met). I activated the offer and proceeded to use my card to make the purchases. On February [redacted] several weeks after the offer was expected to be credited I contacted CITI via chat session and spoke to Jesse who initially stated "I am not seeing that rewards promotion on your ThankYou account. I provided further information and she stated "those promotions are for new members and their card accounts". Finally after further investigation she indicated "I do see that the offer was solicited but you were never enrolled into the promotion". I requested supervisor assistance as the representative provided invalid information twice. She provided me a phone number to call and I spoke to Patsy (ID: [redacted]). I spent 34 minutes on the phone and after several long holds she was finally able to locate the offer, but refused to provide the credit stating that I was not enrolled. I then inquired if I was enrolled in the present quarterly promotion for 5% back on specific categories through 3/** and she stated that I was not. At this time in informed her that I was looking at a printed confirmation that I was enrolled and read the detailed information back to her. I have enrolled in several promotional offers with CITI and have never received the promised cash back or statement credits despite valid documentation of the enrollment.Desired Settlement: I would like the $45 statement credit as well as the reversal of all interest charged December 2015- present ($33.65) as I would not have elected to use the card if I had not been doing so for the purpose of the promotional advertisements from CITI.

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: They sent me a prepaid debit card which I never requested. I cut it in half and threw it away. I already contacted and told them I did not request the card. I received a form letter today from them them stating usage charges that will apply effective 8.*.2015Desired Settlement: DesiredSettlementID: No further contact by the busi

I want my name removed and my so-called card temoved from their database

Business

Response:

July **, 2015 Revdex.comCase # [redacted] To Whom It May Concern: Citi® Prepaid Services received the complaint submitted on July **, 2015 from [redacted] regarding two prepaid cards issued by Citi Prepaid Services on behalf of [redacted] and [redacted], respectively. As a business that aims to provide a positive cardholder experience, we endeavor to resolve all cardholder issues in a thorough and satisfactory manner. [redacted] states that she did not request these cards and would like to have the accounts closed. After reviewing the accounts it was determined that [redacted] and [redacted] requested that these accounts be established on her behalf for her payroll deposits. As of July **, 2015 both accounts had a $0.00 balance and neither have had any account activity since the time they were created. We spoke with [redacted] on July [redacted] and advised her that the accounts have been closed and that no “usage charges” will be applied to these accounts, as referenced in the complaint. [redacted] may contact a dedicated service agent at ###-###-#### between the hours of 9:00 AM and 4:00 PM EDT, Monday through Friday to discuss additional questions or concerns surrounding this inquiry. If the Revdex.com should have any additional questions, please feel free to contact me at the number and information found below. Sincerely, Leanne J. K[redacted]Customer Service Manager, CS OperationsCiti® Prepaid ServicesCiti Treasury and Trade Solutions(P) ###-###-####(F) ###-###-####[redacted]

Review: I bought a laptop through the [redacted] store for my wife several months ago. I've been trying for months to make a pmt but have rec'd no help

I have gone to the [redacted] store and called customer service but I get the runaround because they can't verify my identity? I am tyring to give them money! now, I checked my credit report and found out that they closed the card and are saying that the payment is 90 days late. I have yet to see a bill be sent to the correct address - I called to get that changed a long time ago. I dont' know when payments are do, where to send the payment and what the monthly amount is either. if I need to return the laptop and close the cc I will be more than happy to do so. this experience has been awful.Desired Settlement: I want all account information fixed so my credit isn't affected. I want to pay my bill and no late fees to be applied for an error that is not mine.

Business

Response:

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

Review: I have been going back and forth with this company since March to fix my account which I was told would take 2 billing cycles.it has not been done. I never received a bill or card when my purchase for a ring was made. The next thing I knew I was getting calls for late fees. The card and statement had been sent back to there company twice however no one had called me to find out why this occurred. They finally cancelled the old card gave me a new one and fixed my address post my persistence not theirs. Since this has occurred this has not been rectified to fix this error instead every month I'm continuously getting whacked with late fees and none stop harassing phone calls. I have spoken with a Operations Manager [redacted] to fix this whole ordeal however in the mean time month after month my credit report is affected. This needs to be fixed immediately and there just sitting on it. I was told two billing cycles. Well its been more than that.Desired Settlement: I would like my account fixed and clear my credit report of bad credit this ordeal has caused me,. I also think that there should been and extention on my interest free for a year considering its taken them long enough and more aggravation and wasted phone calls and nothing has been resolved

Business

Response:

Dear Dispute Resolution Service:

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

We have completed our investigation into [redacted] account. We have sent a request to the credit reporting agencies, [redacted], to delete all derogatory information on [redacted] account from her credit bureau file. It will report with a satisfactory rating. Please allow 4-6 weeks for the individual credit bureaus to update their files.

We understand from the complaint that she is requesting an extension on her 6 month deferred interest payment required promotional plan. Unfortunately, we are unable to honor her request. However, as a customer accommodation, we have issued a credit to [redacted] account for $144.00. This credit will reflect on her next billing statement.

We appreciate the opportunity to address our customers concerns.

Sincerely,

Executive Response Unit

Business

Response:

Dear Dispute Resolution Service:

Your recent complaint filed on behalf of [redacted] has been forwarded to us for review and response.

Citibank, N.A. is the issuer of the Zales credit card.

We have completed our investigation into [redacted]’s account. Our records reflect [redacted]’s purchase of$2167.48 made on February **, 2013 was placed on a 6 month deferred interest promotion requiring minimum monthly payments. This promotional balance was not paid in full by the expiration date of September **, 2013; therefore, the account was charged the deferred interest charges of $400.59 on September **, 2013.

We understand from the complaint that [redacted] is requesting an extension on her 6 month deferred interest payment required promotional plan. As previously responded, we are unable to honor her request. However, as a customer accommodation, we have issued a credit to [redacted]’s account for $144.00 on September **, 2013. This credit will reflect on her next billing statement. We have enclosed copies of billing statements from February **, 2013 through September **, 2013 for [redacted]’s records.

We appreciate the opportunity to address our customers concerns.

Sincerely,

Consumer

Response:

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

[Your Answer Here]

I'm not satisfied with this response at all. I find it quite concerning when I asked specifically in March 2013 to have this corrected and nothing was done until I asked for help from Revdex.com six months later. Which I also find it quite coincidental that it was postponed until my deferred payments ended. Then I'm credited with $144.00 and then whacked with the deferred interest of $400.00. I didn't pay my account off because this company kept reassuring me my account would be corrected and then never followed through with there guarantee. Let them send you all the notes they typed and records of all the phone calls I made week after week month after month. I'm a single mom working three jobs and they not only caused me more stress they took away my free time I could of been spending with my family. I have copies of my statements as well and every time they credited me they turned around and charged me another fee. Then they also went as far as calling me at my job trying to collect on late payment, obviously they don't follow through in there word when they also guaranteed me I wouldn't be receiving calls because of this whole waiting period to fix my account. I believe that this company owes it to me for my aggravation and wasted time to defer my payments another six months. If this doesn't occur then I guess it will have to be settled in court, I'm not going to pay for a corporate companies itism and incompetence. My credit has been soiled due to this matter, and for an occasion that was meant to be a celebration for me has turned out to be nothing but a nightmare. Customer is always right and apparently that also doesn't apply in this matter.

Respectfully

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

Sincerely,

Review: I paid this in full. I contacted them many times about it. They say they will fix it, then do not. I want this charge off my card.

We made a purchase on 10/**/12 in the amount of $958.49, this purchase is on a 36 month deferred interest. When we got our tax refund this year, I used some of it to pay off that purchase, before it became due, with accrued interest of over $700 in interest. I did this to avoid the insane amount of interest. I have contacted them via phone and live chat about this issue. They always take a ton of explaining, then they finally understand, and allocate the money to this deferred promotional balance. They always assure me it has been taken care of. Well Since March I check constantly, and I see they haven't done a thing and are still accruing interest for a balance I paid in full. Lately when I contact them about this, they try to divert my attention to other things, and when I do not fall for it, they start back pedaling and claiming they cannot help. Why would I want to do promotions with them in the future if I got to battle them constantly to pay off the same as cash purchases? Please fix this. I want that $816.15 promotional balance taken off my card, I paid it in full, this isn't right that they are going to try and clobber us with interest in the amount the tv was to begin with.Desired Settlement: I want [redacted] to do the right thing and allocate the $816.15, that I paid them a couple months ago for that 36 month deferred interest. I don't know how much clearer I can be than this, and I know they can see all my transaction history. I know once they look at our account they will see the balance I am complaining about.

Business

Response:

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

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:

Their response doesn't solve anything. Until they fix the issue I filed a complaint about, I will not consider it resolved.

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

Sincerely,

Business

Response:

We responded to the customer on May **, 2015. The customer should allow 7-10 days to receive our written response. Should the customer have additional questions or concerns, they can direct those to the address listed in our response.[redacted]Executive Response

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. And I seen the issue was cleared up, on my credit card account.

Sincerely,

Review: this bank never removed hard inquries off my credit report like it was supposed too last year.

I have a credit card with [redacted], and I checked into the dates, when citi bank purchased [redacted] credit cards from a previous bank they without my knowing or consent ran my credit. and also without my consent they raised my credit limit from I believe it was like $1300 or $1400 to $1700. im going over my credit report because my old cell phone carrier had all my personal information social security numbers drivers lcense all that obtained by hackers and I received letters from the the 3 credit bereaus. they have 3 hard inquires on both my experian and equia faxthat I wan tremoved. its hurting my credit, and I dont think its fair when I never even gave them permission to run my credit 2 times that they pulled it anyway.Desired Settlement: I want the hard inquiries removed off all my credit reports.

Business

Response:

We have responded directly to our customer regarding the resolution via U.S. Postal Mail. Our customer would need to allow 7-10 business days to receive the resolution letter. If you would like to discuss the resolution, you may contact our customer directly.

Consumer

Response:

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

They are not co operating and admitted they automatically increase credit limits and I can request to have it turned off but I have to basically deal with 3 hard inquiries I did not ask for for 2 years. I'm furious I'm about to close my [redacted] card. It can be as simple as this remove every single hard inquiry off my credit report and I'll agree to close the credit card I have with them and I'll take my business else where and they can lose out on me and I spend a lot at [redacted]. I'm not satisfied and I will not close this claim things have gone south since citi took the [redacted] credit cards from capital 1. I also proved I never requested a credit limit increase back in 2014 and my credit limit was lowered as well all hard inquires were to be removed my credit limit went from I believe $1200 up to $2500 I complained about it because I did not agree to that and they lowered it.

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

Sincerely,

Business

Response:

We have responded directly to our customer regarding the resolution via U.S. Postal Mail. Our customer would need to allow 7-10 business days to receive the resolution letter. If you would like to discuss the resolution, you may contact our customer directly.

Consumer

Response:

I don't like shady things and buisness like this. I'm about to close my [redacted] and cash rewards credit card with them over this. I want these inquiries removed all of them. Closest thing to talking to the bank was an issue trying to purchase a laptop at [redacted] they had to over ride something so the purchase would go through.

Review: I used the [redacted] Automated phone payment service and received a confirmation number of my credit card payment on 11-**-14. I received a letter on 1-**-15 dated 12-**-14 from [redacted] stating late payment . 12-**-14 I also made Januarys payment . This letter came after am additional payment was received and processed. They immediately reported a negative rating to all credit agencies . They apologized for flaws in their systems . Their management team blamed the US postal system for late delivery of a letter dated almost 30 days of said payment . Management also said a confirmation number provided by their automated system of payment did not mean anything. as a patron I made a payment on time and was not notified of an error . Because of my attempt to make a payment with the clear understanding it was accepted because it stated so as it provided a confirmation number for payment received I feel that I should have been notified before they contacted credit agencies. They say they will not correct their errorDesired Settlement: DesiredSettlementID: Other (requires explanation)

I would like [redacted] to correct the error they made on my credit history . I have excellent history with payments and feel this is wrong and unjust .

Business

Response:

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

Consumer

Response:

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

I have not heard from [redacted] yet . Therefore I do not consider this matter resolved to my satisfaction

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

Sincerely,

Business

Response:

We responded to the customer on February **, 2015. It may take 7-10 days for the customer to receive the written response. [redacted] has not had sufficent time to receive our response. Should the customer like to share this information they can provide a copy of our response to the Revdex.com.?

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 hear from [redacted] in his matter . Therefore it is not considered resolved . A late fee for a payment that I made with record that I made a late payment on my credit rating is not something that I feel is fair when I made the payment o time , however due to an error in their system I was not notified there was an issue . All I have is a confirmation number that I made the payment .

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

Sincerely,

Review: Financial Company specifically employee [redacted] continues to call my home looking for a customer of theirs with the same name. My number is a published number, which is where they stated they obtained the number from. I explained that I am not the person they are looking for, we just have the same name, and for them to please stop calling my home. They stated they will continue to call until the loan is made current. They still continue to call my residenceDesired Settlement: I am not out money, just time and aggravation.

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. I have received no further phone calls from this company.

Sincerely,

Review: Citibank queried my credit report without my consent. On 12/**/2015, I requested a credit line increase on the Citibank website for my credit card, and the disclaimer on the submission form read " a credit bureau report will not be requested and you will receive an instant decision."

A few hours later, my credit report show that CBNA had requested my report.Desired Settlement: They need to correct this error with the three credit rating agencies.

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:

At no point in this process did I consent to a credit inquiry. If a credit inquiry was required, I should have been alerted. The request form on the Citi website was highly misleading, and the business has not adequately addressed this.

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?

Consumer

Response:

Hello,I have a attached a scan of the letter that I received from Citibank. The part about a message advising of a credit report is entirely untrue. I was never advised that a credit report would be required, and I never consented to an inquiry.Thanks,[redacted]

Review: [redacted] advertises that they match [redacted] 5% off if using the ** credit card but what [redacted] doesn't advertise is the use of the 5% off automatically disqualifies the customer from any special financing offers. When I called credit card services I was told that they match [redacted] offer exactly, which is 5% off or 6 months no interest. However, ** disqualified me from 12 months no interest when I used the 5% off. How is that a direct offer match??? They also claimed that the fine print on the receipt states this. First of all who reads the fine print on the receipt? Second, this information should be made available before the purchase not after. There is no information anywhere in the store or is it provided by any cashier when they offer the 5% [redacted] match, that it disqualifies from special financing.This is blatant false advertisement!!!Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want my 12 month special financing offer applied to my ** credit card and I want ** to put up big signs in their stores, like [redacted] does, that the use of the 5% off disqualifies from the special financing.

Business

Response:

We responded to the customer in writing on June *, 2015. After receiving our response, if the customer would like to share this information, they can provide a copy of our response to the Revdex.com.

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:

First of all I did not request the offer, it was offered to me by the cashier. Second, even if I did request the offer the disclaimer was not provided to me in any form, whether written or verbal. As you stated, this offer is not advertised anywhere which means that the disclaimer does not exist and your response will not hold up in court.

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 [redacted] in writing. He will receive our written response in 7- 10 business days. If you would like to further discuss the resolution, may I suggest you contact him directly.

Consumer

Response:

I don't have the letters, I threw them all out since they were useless, they said the same thing. The 6/** communication was over the phone. I have already wasted more time with this complaint then its worth. You guys obviously cant resolve anything. I will resolve this myself by never doing business with citibank ever again.