Citi

Review: I was contacted by [redacted] of Citibank's Office of the [redacted] and [redacted] (she reports to [redacted]). I previously file a complaint in the begining of the month about my Credit Line being reduced due to a medical bill reported incorrectly to the Credit Bureau. I was not aware that my line was reduced until I reviewed my monthly billing statement and then started the Credit Bureau dispute process. Upon speaking with [redacted] today, she indicated that I only had 60 days per policy to contact them about the inaccurate information on my credit file. I was not aware of this since I have no recieved any communication from them about by Credit Line being reduced. The reducution caused by [redacted] to be reduced significantly and now I am 3 points shy of qualifying for a mortgage because of this issue. The medical bill has sense been removed from the file. I am asking for Citibank to do one of the following:

-Restore the credit line to the original limit without pulling additional inquiries

or

-Remove the tradeline from the Credit File

This is very upsetting that this happened and now is impacting me from obtaining a home after I have saved $25k to put down. I making over $160k a year and have additional income outside my salary. Please consider my preferred resolution in order to allow me to obtain a new home. Thank you!Desired Settlement: I was contacted by [redacted] of Citibank's Office of the [redacted] and [redacted] (she reports to [redacted]). I previously file a complaint in the begining of the month about my Credit Line being reduced due to a medical bill reported incorrectly to the Credit Bureau. I was not aware that my line was reduced until I reviewed my monthly billing statement and then started the Credit Bureau dispute process. Upon speaking with [redacted] today, she indicated that I only had 60 days per policy to contact them about the inaccurate information on my credit file. I was not aware of this since I have no recieved any communication from them about by Credit Line being reduced. The reducution caused by [redacted] to be reduced significantly and now I am 3 points shy of qualifying for a mortgage because of this issue. The medical bill has sense been removed from the file. I am asking for Citibank to do one of the following:

-Restore the credit line to the original limit without pulling additional inquiries

or

-Remove the tradeline from the Credit File

This is very upsetting that this happened and now is impacting me from obtaining a home after I have saved $25k to put down. I making over $160k a year and have additional income outside my salary. Please consider my preferred resolution in order to allow me to obtain a new home. Thank you!

Business

Response:

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

Review: Due to the bank's decision to close all branches in the area where I live and the fact the bank has decided to start charging me a fee to keep the same checking/savings account I have had with Citi for almost 10 years; I have decided to close out my checking and savings account and also 2 credit cards I had with this institution as I started to transition my financials to another bank with presence in the area and without monthly fees. I have notified the bank in writing and corresponded with representatives confirming he account was closed out however I was charged usd 25.00 once again generating a negative balance on my account.Desired Settlement: The charge has to be eliminated, bank needs to ensure this will not affect my credit history and I need to receive written confirmation for both the resolution and the closing of my savings and checking accounts.

Business

Response:

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

Review: I bought a TV with a CITI [redacted] credit. I paid more than minimum each month with no intrest. I was told at [redacted] that I would pay intrest left over, but they have charged me back intrest. I would have paid the TV off if I had known they where going to sneak about $1,000 in charges back on top.Desired Settlement: I would like to pay off the remaining original amount, which should only be about $245. I have not made a payment since they have been adding on top. My balance now shows $1,415. I want to pay my original balance and have my good credit restored.

Business

Response:

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

Review: Citibank best buy credit card member id [redacted] name is on the card

payments made on 7/*/2015 amount 150 6/*/2015 amount paid 100 4/**/2015 400 payment made today 8/*2015 223.38 with remaining balance left on the account of 25 dollars

my due date is the [redacted] of each month and each month I have requested my due date to change and each time I make a payment they change say they have sent the request to change the due date and they reverse the late fee.

and every month nothing has changed. the above is the payment schedule. I have spoken to Justin from [redacted] and asked again to change the date and why wasn't my due date changed and he informed me that it was not noted on the notes for the change to occur. I then requested to speak to a supervisor ted ([redacted] ) and have explained the situation I cannot be faulted for non notation of the account and he needs to reverse this charge. I have requested changes multiple times and nothing happens. This is not my error it is there's and I should not be held responsible for their error. today 8/*/2015 I paid the account in its entirety minus the 25dollar late fee which I am not paying. I cannot control what is notated on there side and my request can only be traced via my dates that I make my payments. Any fool can see that if I pay faithfully on the * to the [redacted] with the reversal in late fees can use inference to deduce that the probability of me changing my due date is greater if it was once or twice I can understand but on every single payment. I have asked for a due date change every time I call to make a payment and keep being told it takes one to 2 business cycles but to not have my account reflect any changes because there is no notes when I have asked on the phone every time I call to make a paymentDesired Settlement: reverse that late fee the account is now paid and full in its entirety

Business

Response:

We responded to the customer on August *, 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 have determined that my complaint has NOT been resolved because:

They have not responded to me neither via phone mail or text. This is the only notification I have received. I have not spoken to anyone on August [redacted] about this matter Who did they speak to and by which correspondence median did they use to communicate their response to me?

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

Sincerely,

Business

Response:

Our correspondence to [redacted] was sent via [redacted] Mail and mailed on August [redacted]. We ask he allow 7-10 business days to receive this correspondence.

Review: My wife [redacted] (main account holder of [redacted] Citi Credit Card) and I were acknowledge during today's date 01/**/2016 by Citibank collection department that we have a past due debt since October *, 2015 because of a late payment which was processed by them on 10/**/2015 two days after its due date. No previous notification neither by phone or mail that a late payment was received, not giving us the opportunity to take the necessary action to avoid marks on our credit reports because of this or at least allows to explain reasons. Payment history can reveal no late payment were received never before. The situation that initiated this it was because my wife originated a loan to consolidate debts at the end of 09/2015, the loan processing time plus the time took the mail to delivered the check caused all this mess. We contacted the customer service line and they do not want to get to a reasonable agreement. If we have to pay any late charge even if we believe non of this is our fault, its ok but they are causing us a hardship in our credit that I recently repaired and even worse my wife has never any mark on her credit and know is affecting our lending ability. Our lifestyle its very demanding and time consuming and we do not want to incur more efforts either in time and economically.Desired Settlement: The correction of our credit reports marks and the removal of charges out of our control.

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 via [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 am not asking for a contact letter. I am asking for someone who personally have the authority to resolve my dispute]

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

Sincerely,

Business

Response:

We are in the process of responding to the primary cardholder in regards to this complaint.

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 am a cardholder of Citi Platinum Select / AAdvantage Visa Signature Card ending in [redacted]. This card has an annual fee of $95, which is billed ONCE A YEAR on anniversary date. My anniversary date is in June. On July *, 2014, I received a statement for billing period 05/**/14-07/**/14. The statement shows membership fee for Jul ** - Aug ** in the amount of $7.91. Every year in the past, Citibank charged $95 for the whole year's membership fee, so it was quite unusual that they charged the pro-rated amount of $7.91 this time. Anyway, per credit card terms and conditions, I can avoid paying membership fee by notifying them that I am closing my account within 30 days of the mailing or delivery date of the statement on which the fee is billed. I paid all other charges on the statement except this $7.91 membership fee on July **, 2014. On July **, 2014, I called Citibank to cancel the credit card with the reason that I did not want to pay the annual fee. The representative offered me a $95.00 statement credit if I make $1000 in purchases within 3 months on the account. I asked if I should pay the fee that I was charged now first and then get it credit back, and the answer was yes. Therefore, I paid $7.91 on the due date, July **, 2014.

On August *, 2014, I received a new statement. This statement shows membership fee $95 for Aug **-Jul **. I wrote email to ask why the fee is $95 instead of the difference between $95 and $7.91 that I have already paid, and ask if I should pay this $95 and then spend $1000 in 3 months to get $95 and $7.91 statement credit. They said no, a statement credit is $95 only. Since I agreed on paying NO membership fee, I requested Citibank give me a credit $7.91. They refused to credit me $7.91.

I was supposed to pay membership fee $95 on my anniversary date. Citibank chose not to bill me for one whole year from Jul **-Jun **, but instead billing me $7.91 for 1 month first and then $95 for another 1 year. I think this is not right.Desired Settlement: 1. I would like Citibank to refund me in the amount of $7.91.

2. For the offer of a $95.00 statement credit if I make $1000 in purchases within 3 months, I will be happy to take and follow through if they will still offer it to me. Otherwise I would like to close the account, and Citibank removes the $95 fee and sends me the final bill.

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

Thank you very much!

Sincerely,

Review: I have had a [redacted] plus for years.This is about a [redacted] credit card account issued by Citicard.I was buying some things in [redacted] in November 2013 when the cashier asked me if I wanted a [redacted] card- I gave them the information- my name , phone numbers, email address and both my physical address as well as my mailing address - which are different. I do not receive USPS at my physical address but at my Postal Box . This has been this way since 2000.I was approved so I charged the purchases. Within a month I bought tires at [redacted]- I went to pay for them, I did not have the new account credit card and the clerk found them and used the account for the tires. I asked them why I did not receive the plastic card yet and they did not know why. It had not been a month yet on other first purchase so I did not think too much about not getting a monthly statement yet. The clerk had confirmed all my information correctly when she asked me for the credit card account to purchase the tires. She said she could not give me the account number for the account when I asked.Over the next few months I went to [redacted] to get the credit card account number etc so I could pay the account. I went into one blind alley after another - all the clerks saying they could give me the information I asked for - my credit card account number.I went to China.When I returned from China( after having paid all my other accounts while away), I looked at my credit score and it had plummeted 70 points, due to [redacted] account - it said 150 days delinquent account closed. I could not get my credit card account completely from the credit report as the last four numbers were omitted. This was approximately June ** 2014.I called a [redacted] number and began a long conversation with someone there. They immediately negated all finance charges, and late fees and penalities from my account. They also could not give me my account number. They ascertained that my billing had been mailed to my physical address and returned. This was why the account was closed. They asked if my address I gave was correct. Had I given the correct information- I replied I have received mail at only the mailing address for 154 years - yes I know my address.So we got around to the fact that they had screwed up on the mailing address. I made a payment - a minmum payment- not the minimum payment they wanted - what I wanted as I said they had this wrong for so long. I have made a monthly payment on the [redacted] of each month ever since this day that things corrected and going. It took almost a month to get the first paper billing received by me - I had to make one more phone call since then for that to happen.I wish to make clear the obvious here. No one from [redacted] or Citicard. had ever in the time since starting this account - 6 months ever called me - or emailed me. They had that information too - clearly.To bring this to the current- I have talked to many people - restating this story.On the [redacted] of August I made another on time payment- a monthly payment. Approximately 3 or 4 days later I received another phone call from them - as if I had not made that payment. I asked why- and they identified they had received that payment - they were calling for more due to the old balance. we went through all the information again. Somewhat under duress I agreed to make monthly payments now on the [redacted] of each month to retire this balance - they said ok.Almost immediately the continued phone calls began. They are now calling me up to 5 times per day. I considered this not only wrong in view of what has transpired and has been their error, but harassment.The other day I received a letter from my [redacted] Plus account stating they were reducing my credit line due to late payments. The late payments and the only late payment is the [redacted] card I have cited above. Again the error caused by Citi.I went to the [redacted] and filled out the dispute item form four times - for whatever reason it did not take the infoDesired Settlement: DesiredSettlementID: Other (requires explanation)

I am asking for help.First I would like the phone calls to stop. Next I would kindly ask for assistance in redeeming my credit score by you contacting Citi and having them reinstate my account and credit. Then have them change my credit profile.

Business

Response:

Good Day All,

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

Regards,

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 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: I called to try and negotiate a lower payment that I could afford. I was told nothing was available because my account is current.

I called on 11/**/14 at 2:03pm mtn time, to phone number ###-###-#### and was transferred to this office to talk to a customer service agent. I explained that my wifes contract job will be running out December **,2015 and that 80% of our income would be gone and that she is looking for a job but our income still will be low and hard to make the payment. The customer service agent looked at my account and said that since it is up to date they could not do anything to lower the payment. I brought up the fact that we had previously been on a lower payment plan and that it seemed to have ended and wanted to see if we could re-enroll. The lady told me that the plan was no longer available. I asked to talk to a supervisor, she said that she would transfer me. I spoke to the [redacted] and was told that unless the account goes into default their is nothing that can be done. Last year I was told to skip a payment and then call back for a payment plan. It was a major headache and had collection calls demanding money. It ended up taking multiple phone calls to sort out that mess and damaged my credit in the mean time. I am trying to prevent the default deal and arrange something now before we lose our big chunk of income. It shouldn't take going into default to make this happen.Desired Settlement: I would like a payment plan that allows our payment to go back to the 252.00 that it was at on the original plan and has a lower overall interest portion of the payment. We don't use the card and just want a payment that we can manage and pay when we lose the income. We have not missed a single payment since the company told us to skip a payment.

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 unsatisfactory to me and the matter has been resolved. The company offered me a payment plan that will significantly impact my home financial situation. They neither offered alternative arrangements nor lessened the payment. I accepted the payment plan with the intention of paying off my balance and discontinuing business with citibank. I hope their file will be noted for refusal to work within a customers financial means and general uncaring attitude despite 10 years of business together. Thank you for your assistance in this matter.

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: 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: 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,

Review: Citibank engaged in aggressive advertising to enroll Citi Gold customer with various promotional claim.

I was convinced to convert my existing account while promised getting the promotion credit.

I have confirmed with both physical teller and the online representative with the terms before I signed up.

4 months after I committed over 100,000 in deposit. Citibank now claimed I do not meet the criteria for the credit, for which I appealed twice with the customer service.

My main grievances are two folds:

1. the advertising language was intentionally vague. The requirement dictates 1) opening a NEW citi gold checking account OR 2) deposit to an EXISTING saving account. I met the requirement for 2), but Citibank uses 1) against me since I am a long time customer and my account is not new. (I converted from regular checking to gold checking in September 2015 as part of this complaint)

2. While I was fully aware that this promotional language is extremely vague, I took upon myself to confirm with multiple bankers before I signed up the service to ensure that I get what was advertised. After multiple phone calls and follow up, Citibank now officially negated what I had been communicated to over the past 4 months. I believe it's misleading and fraudulent. It is extremely aggressive bait and switch tactics.Desired Settlement: I wish to see my promised $600 sign-up credit. At minimum, I should be compensated for the 5 months' worth lost interest from the deposit I committed to Citibank, which was generating $100 a month in interest from another saving institution I bank with.

This is extremely disappointing episode after banking with Citi for over 10 years. I refuse to communicate with the "rewards dispute department" anymore. I got two exactly the same robotic letter after my appeals.

Consumer

Response:

At this time, my complaint, ID [redacted] regarding Citibank S.D. has been resolved.

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

It seems that the bank deposited promotional bonus to my account (on feb [redacted]) after I reached out to you. Your presence has certainly resulted in a solution that I cannot achieve by myself.It would seem my problem is resolved althought I didnt recieve official communication from the bank. Thank you.Sincerely,[redacted]

Review: [redacted] the suppose to be manager is rude and very unprofessional. When you call to get information on your account she will tell lies and hang up. [redacted] and ALL of the associates are very unprofessional, ever since our information got sold to their company from [redacted] funding in [redacted] Texas which they have been participating in fraudulent activites. We did not know that they had control over our contract for our car. [redacted] won't tell us anything, she took our payment and claimed she would return it back to us because of my so called attitude. She said she DONT want our payment and supposedly sent out a repo. We called to see if the payment has been returned so they can come get this car and won't nobody tell us anything one minute the account is locked then she not there or they simply won't answer the phone. We asked for the corporate office number or for her boss to resolve this issue but they are a fraud business and they are no bank. They give you the run around and don't have no sense of how to run a business or talk to their customers properly. We will take legal action against [redacted]Desired Settlement: We want a refund of our money like [redacted] said and she can come get this car that [redacted] sold to us and sold our information without us knowing and taking our money and not sending it in to the finance company.they both are a fraud and participate in fraudulent business. They filed a fraud insurance claim on our car which we didn't know anything about. We paid thousands of dollars on this car and we want our money back. It's simple, don't ever do business with them they tell you that yo

Business

Response:

Re: [redacted],

Complaint ID#:[redacted]

Dear [redacted]

We are in receipt of your correspondence dated July **, 2013 in reference to [redacted] and we appreciate this opportunity to address your concerns. We have had an opportunity to research the issues raised and offer the following response.

I have been unable to locate any account in the name of [redacted] with the information provided. Please supply the 15 digit OneMain Financial account number, [redacted] social security number or a copy of his monthly billing statement. If [redacted] is not the primary borrower, we would ask for the primary borrower's social security number as OneMain Financial Services tracks accounts by the primary borrower's social security number or full account number. This will allow me to locate the proper servicing location for [redacted] account so that we may provide all information requested. You may forward the necessary information to me at the address listed above or by facsimile to ###-###-####.

Should you have questions regarding this letter, please feel free to contact me directly at

###-###-####.

Sincerely,

Resolution Specialist

Executive Response Unit

Review: After nearly paying a debt from over $5000 almost completely off, they added almost $2,000 dollars in interest charges. This was for major home appliances to replace broken ones. These were not fun or optional purchases. This is a predatory lending practice meant to crush hard working people. I have had an account with [redacted] for over twenty years. In recent years, their services have declined. We were about to pay off the account when it was over double what the balance was before! I have asked for it to be removed over and over again. They have refused.Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like the predatory interest charges removed from my account.

Business

Response:

Dear [redacted]:

We have received your recent inquiry from the Revdex.com of New York regarding the above referenced [redacted] Card account issued by Citibank, N.A. We appreciate your patience while we reviewed the matter.

We certainly understand your concern regarding the deferred interest that was billed to your account on the May 2013 statement. Our records indicate that you made a $5,590.00 purchase on April **, 2011, that was on a 24-month deferred interest with payments promotion. The expiration date was May *, 2013. You did not payoff the promotion by the expiration date and $1,858.87 in interest charges billed on the May 2013 statement. We have enclosed copies of the February-July 2013 statements for you to review, which clearly states that the promotional balance must be paid off by May *, 2013, to avoid the deferred interest charge. Based on this information we believe the balance is valid and owed. The last payment of $206.00 posted on March **, 2013.

The account has now become seriously past due. Please contact our Collection Department at ###-###-#### to discuss possible payment options. Their telecommunications number for our hearing-impaired customers is ###-###-####.

Thank you for allowing us the opportunity to respond to your concerns. If you should have additional questions, please do not hesitate to contact us at the telephone number listed below. Our office hours are Monday through Thursday from 9 a.m. until 6 p.m., and Friday from 9 a.m. until 5 p.m., ET. Our telecommunication number for our hearing-impaired customers is ###-###-####.

Sincerely,

Presidential Communications

###-###-####

Review: I have been a customer with Citibank for 15 years; I have no late payments on my credit with them during that time. I am currently purchasing a home and going through the mortgage process. On June * I underpaid my monthly minimum to Citi, paying only $80 on the $94.82 that was due June **. On June ** I wrote a check for the entire balance owed to Citi using one of those balance transfer checks from another lender, [redacted]. On July * Citi received notification that the funds were denied by [redacted]. I was not aware of this until I received a phone call from Citi on July ** asking for payment of the past balance due, specifically the $14.82 that had now become 30 days past due on July **. I responded that I would go to my banking website and remit the payment immediately, whgich I did and the payment of $100 to cover the mishap was processed on July ** bringing my account out of 30 days past due. I then made another payment of $80 a few days later to make the account current. Citi chose to report my account 30 days past due to the credit reporting agencies which has lowered my credit rating below qualification for my new home loan. I asked for forgiveness from Citi noting my history with the company and my precarious situation in attempting to secure home ownership for my family (a consideration that 2 different account managers told me was important to Citi's values). This was denied on account that they have a moral obligation to report the facts to the credit bureaus, if that is the case then why did they encourage me to seek the review. I can understand their narrow point of view, but I do not think their actions reflect better business practices, and I would request that they either treat me like a human and not a processing note by showing some compassion and rescinding the 30 day late judgement or that they have their accreditation with the Revdex.com revoked on the grounds that this is not the way a better business operates.Desired Settlement: I would like for them to remove the blemish from my credit, so I can purchase a home for my family.

Business

Response:

Dear [redacted]:

We recently received an inquiry on your behalf from the Revdex.com regarding the manner in which the above-referenced account is appearing on your credit bureau reports.

Our records do not reflect we have reported any negative information to the credit reporting agencies regarding this account as of the date of this letter. Your $60.00 payment received on June *, 2013 did not satisfy your $94.38 minimum payment due by June **, 2013, which caused your account to reflect on our records as past due. A second incident of delinquency occurred when the $4,033,60 payment, received on July *, 2013, was returned unpaid by your financial institution, causing your minimum payment due by July **, 2013 to be past due as well.

I appreciate this opportunity to respond to your inquiry.

Sincerely,

Presidential Communications

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:

To Citibank:

Please review your phone records for the calls I have placed to Citi over the past month. They will indicate that I have been lied to regarding the state of my account and that I have been put through some undue headaches and heartaches as Citi has possibly prevented my purchasing of a home for my family. I have attached a letter received from Citi two weeks ago indicating that they did in fact report to the credit bureaus, and this triggered my credit score to drop below borrowing capacity for most banks; it also triggered a review by [redacted] which in turn cut my available credit which also lowered my credit score.

While I believe the situation is resolved to the point that it can be, and I seek no further recourse; I would appreciate an apology for the rude way in which I, a 15 year customer with good standing, have been treated and for the mental and fiscal hardships that I have incurred as a result.

Sincerely,

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 called this company to get the pay-off amount for a loan I had with them. The agent gave the amount and I immediately sent a check. About three weeks later I received a bill for $2.01. I asked them why I was being billed when I closed the account within the billing cycle and, should not have been charged interest for another billing cycle. The agent said I was being placed on hold. I was immediately ejected from the telephone system and had to call back again. I called a second time and explained my issue to a new agent. I was told I must have been given an incorrect number and now I was receiving the correct information from her. Except now the amount was $2.01. I asked to speak to a supervisor. I was placed on hold and once again ejected from the system. I called once again. I once again was told I owed $2.02. I asked to have the small balance written off. After a small argument from the agent I told her I was going to report this to the Revdex.com. It does not sound like a lot of money, but if One Main Financial does this to every customer the dollar amounts would be unreal. I believe this is an unscrupulous company.

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

1. I think the business should be further investigated to find out if what they are doing is legal.2. I want a letter from them stating that my account is paid in full.

Business

Response:

Dear [redacted]:

We are in receipt of your letter, dated December *, 2013, regarding [redacted] and [redacted]'s OneMain Financial account and we appreciate this opportunity to address their concerns. We have had an opportunity to research the issues raised and ofter the following response.

First and foremost, we appreciate [redacted] bringing this matter to our attention. Whlle we continually strive to provide a superior level of service to all our customers, we truly regret this Incident and apologize for any inconvenience that It may have caused him.

Our records indicate that [redacted] and [redacted] originated a personal loan with CitiFinancial's Peabody, [redacted] branch office with a principal amount of $8,527.43 and an interest rate of 21.99%. This loan was repayable in 60 monthly installments consisting of an Initial payment of $251.09 followed by 59 payments of $235.47 each and assigned account number [redacted]. Please be advised that as of July *, 2011, their loan is now owned and serviced by OneMain Financial.

Upon the closing of the Peabody branch office,[redacted] and [redacted]'s loan was transferred to OneMain Financial's Centralized Servicing Center on June **, 2012 and assigned a new account number, [redacted].

I have confirmed that a payment of $215.18 was processed on November **, 2013. This amount represented the remaining principal balance per the November due dated statement. However, it was not the amount required to pay the account in full as Interest, In the amount of $2.01 had accrued on the remaining balance from October **, 2013, the date of the prior payment. Our records further indicate that at no time did [redacted] or [redacted]. [redacted] contact OneMain Financial Centralized Servicing Center to request a payoff quote. Therefore, [redacted]'s November **, 2013 payment was applied as a regular payment, resulting in the accrued Interest of $2.01 being collected, leaving a remaining principal balance of $2.01.

[redacted] contacted OneMain Financial's CARE Department on December *, 2013 and at that time, the accrued interest was explained.As a one time courtesy, OneMain Financial credited the remaining balance of $2.01and [redacted]'s account is now paid In full with a $0.00 balance.

Again, on behalf of OneMain Financial,we would like to extend our sincere apologies to [redacted] and [redacted]. Should you, [redacted] or [redacted] have any additional questions or comments regarding this correspondence, please contact me directly at ###-###-####.

Sincerely,

Review: I have a pre-paid debit card from Citi that the company Nature's Sunshine uses to deposit money onto when I spend certain amounts on their website. $10.34 was deposited onto my card and I texted to find the balance one day prior to a purchase in a store, because businesses need the exact amount in order to use this card, and told the cashier the amount to key in. My card was declined. I knew the amount was correct so I just used my bank debit card and went about my day. The next time I tried using the card I texted to get the balance again... the amount was lower but I didn't think anything of it at the time. I told the store to punch in the amount, they did, and it was declined again. The next time I tried to use the card I texted to get the balance and it was down yet again. So this time I called Citi and they told me that both of those prior declined transactions were charged a 75 cent fee. I called them April [redacted] when I found that information out and in order to get my money back they said they had to escalate it to a higher department..... for $1.50???? Citi Bank can't even give me my $1.50? That's a lot of money to me and they had no right in charging me declined fees when I told the stores exactly what to charge to the card. All I want is my $1.50 back and to be able to use MY EARNED money. They told me to call back in 24-48 hours that day I called and I called back a week later and no progress was made on my request. I called back again in another week, no progress. I just now called and they said there has still been no progress even though it's been nearly a month. The man (who I could barely understand, yet again) told me he had to escalate it again and told me to call back in 24-48 hours. This is getting ridiculous. I'm so glad that Nature's Sunshine is now going to be direct depositing this money for me any time I make a purchase instead of dealing with Citi cards like this in the future.Desired Settlement: To be honest I don't even want the money back on the card because with my luck it will be declined again and I'll have to deal with Citi again. I just want $10.34 refunded to me as that's MY money I earned from Nature's Sunshine for making a purchase that month.

Business

Response:

[redacted]

To Whom It May Concern:

Citi® Prepaid Services received the complaint submitted on May *, 2014 from [redacted] regarding declined transaction fees on a prepaid rewards card issued by Citi Prepaid Services. As a company that is dedicated to providing world-class service, we strive to resolve all cardholder issues in a thorough and satisfactory manner.

After careful investigation and research, it was determined that Citi Prepaid Services did assess point of sale decline fees on March **, 2014, March **, 2014 and March

**, 2014 in accordance with the terms and conditions associated with this account. After speaking with [redacted] on May **, 2014 advising of the decline reason, Citi Prepaid Services reversed the three fees as a one-time customer courtesy.

If the Revdex.com should have any additional questions, please feel free to contact me at the number and information found below.

Sincerely,