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Citibank |
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Kelly of Germantown, MD June 25, 2009 On April 15, 2009 I noticed a charge on my bill for "payment aid", and went back through my statements and it started the month before on March 17th. I had no idea what this was so I contacted customer service and they told me that it was an account protection service that I enrolled in. I told them that this was rediculous I would have never agreed to this. I was told that I needed to write a letter to dispute it and that it would take 30-45 days to review. I received a letter about a month later stating that I was liable for the charges because I enrolled during a taped conversation. I called customer service again asking to hear the actual tape. If I did infact agree to something then they should be able to prove it to me. I was told it was impossible for me to hear the tape and there was nothing they could do, after speaking with 3 different people who all said the same thing I decided to write a letter again. I have recieved no response and Citi has failed to prove that I indeed authorized those charges, and now I'm stuck with the bill. edward of mt pleasant, SC June 3, 2009 I have been a customer of CitiBank (CitiGold) since 2000. I have used their online banking system for hundreds of wire transfers and recurring payments. On December 6th a final recurring payment of 3250 was sent afterwhich I went online and cancelled all future recurring payments. I cancelled and established many recurring payments in the past 8 years without ever having a problem. While reviewing my statement in January, it was apparent Citibank had sent out another 3250 payment on January 6. Ovbiously I contacted them immediately and let them know this was not authorized by me and in fact had been cancelled by me. After several days of investigating, they said the funds were not retrievable from the other parties bank. They required that I print out online forms which I provided showing no recurring payments were scheduled. They advised me they could not retrieve my money but assured me this could never happen again. I am retired on a fixed income and do not have the money to hire a lawyer to resolve this issue. On February 6, Citibank again sent out another 3250 and deducted the money from my account leaving me with 700 in my checking account. They could not explain how this happened and replaced the 3250 which I immediately withdrew to meet my other financial obligations. Later, they contacted me to tell me they could again not retrive my 3250 and said I need to repay them because my account was now minus 3250. Both withdrawls from my account were unauthorized by me. I am still out 3250 and from January and now they have closed my account and put me in collections. The total amount of 6500 was my money which their computers took out of my account without my authorization. Citibank as a financial institution is responsible for giving away my money. Their online system has no integrity and they can not validate these transactions in their computer history. Citibank owes me the 3250 which they transferred without my permission. I have a perfect credit history which is now in danger as a result of my being in collections. Tony of Hartsville, IN June 19, 2009 Citibank is reporting inaccurate information. I cannot get this corrected unless Citibank sends the correct information to Experian. They will not respond or correct. Experian credit report shows my charge off/delinquent date is 09/2008 which is incorrect. That day was the day that I paid back CITI. The correct charge off date is 04/2004 + 7yrs of record delinquent/charge off = 2011 removed. Experian record date is till 2015 until it is removed. 2008+7=2015 is incorrect. FCRA states you may not report OVER 7 years for a delinquency unless it is a bankruptcy or you can be sued for violations which you are doing by posting incorrect information. TransUnion has it correct. I cannot get Citibank to correct this error so my hands are tied. Kathleen of Penfield, NY June 4, 2009 They ccalled my neighbors, then called my 81 year old parents giving them delinquent account reference information. I called them told them I needed communications in writing and she hung up on me then called my parents again. I'm unable to resolve this problem with Citibank since they don't have a phone number where you can speak with anyone,and the letters I send them (certified even) are not answered. They made a mistake on my account- I have that proof and have been trying to get them to fix it; instead they sent me to collections. My 820 credit rating is now damaged. Virginia of Spottiswood Park, Singapore June 5, 2009 I applied for citibank credit cards at tiong bahru branch,they ask for my 1 year pay slip,IC number and ID in the company where I'm working.After 3 days,a citibank staff called me to inform that the application was approved and the cards can be collected.After 2 weeks,a citibank staff called me to inform about their product-ready credit paylite in which you can borrow an amount of 3,300 and you will choose to pay it either 12 or 24 months.I agreed to get the product and agreed to pay within 24 months,after 5 days it was transferred on my account in POSbank.It happened last year and fortunately I didn't use any of the credit cards yet. April last year i started paying the monthly dues,surprisingly after I paid the due amount in May,a citibank officer called me to inform me that my account was terminated as it was tampered by one of the citibank staff and was apologizing because they want me to pay the remaining balance in full immediately.I went to citibank personally to fix the problem and to may dismayed the person who talked to me was only contacted by the staff at the information counter thru their phone,and instructed me to pay the remaining balance within 6 months wihtout interest.They said I can't do anything but to follow the bank rules.So,I just have to follow.The next day,a citibank staff called me again telling me that the management agreed to allow me to settle the remaining balance in 1 year.Evey month I recieved bills,untill I realized but was too late that I exceed to the amount that I suppose to pay.I called citibank 24 hour banking several times,prompting me to call other numbers that in the end I didn't get any help and answer. I even went to citibak personally and the staff whe attended to me took my contact number and promised to call me within 3 days to see wheather they can reimburse the exceeded amount that I paid but till it became 3 weeks nobody called me.I think it's too unfair because in the first place it was not my fault if my application was wrongly approved because I provided them the requirements needed,and I'm paying the monthly due amount to be paid on time.But when you enquire of something they can't settle your queries and just leave you hanging with questions. Shenani of Olympia, WA May 19, 2009 My husband and I were offered by Sandy of HY Furniture a promotional plan of 30 months NO INTEREST/NO PAYMENT: No finance charges will accrue on the purchase during the promotional period, and no minimum payments will be due on the purchase during the promotional period. We purchased a living room set, a king size mattress, 5 yrs warranty and 300.00 for the 30 month upgrade promotional plan. Financing is through Citifinancial Retail Services. Date of transaction was November 11, 2008. Then we received the statement, with 24 months/revolving fee plan/interest/late fees and finance charges. Then we were bombarded daily by Citi customer service asking for my monthly payment, about 5-10 calls per day. We informed both Citi & Hy furniture about the wrong billing, but they were just pointing fingers, claimed that someone made a mistake on the promotional code. Then later the manager of Hy, Tony, admitted that it was a mistake on their part, there really was no promotional plan like that of what they offered us. Yet it showed on the transaction slip the different plan options, which they changed & filled out later on, without my consent for their benefit. Citi nor Hy will not honor the contract or agreement. We told them, that we'll return the furnitures if they are not going to acknowledge what we agreed on. Tony said, he will take care of the 300 upgrade, ask Citi to charge him with my late fees and that we should pay him in full, but he will not take back the items nor honor our agreement. We disputed the account with Citi, but their resolution was in favor of Hy, they changed my plan into 30 Months Interest Free option. Requiring us to pay the minimum monthly on or before the due date or we will suffer with late fees & finance charges & possibilities of being sent to collections. Then our complaints were dismissed. We are now receiving late charges & finance fees, bomabarded everyday with phone calls from Citi Financial & we were told that if we do not pay according to their terms, thwy will send my account to collections. Vivian of Bronx, NY May 23, 2009 Even though we were never late on any payment and have a credit score of 736, CitiBank charges my family 24% on our credit card and maxed out the card by lowering our credit limit by 50%. Citi refused to do anything. Sandra of Joliet, IL May 21, 2009 I called to find out how to claim and use my reward which have accumulated over a long period of time. I had to ask Stephanie to speak louder. She would not let me get my questions stated without interrupting me. I told her she needed to listen to me. She was hostile, combative, and spoke to me as if I were an idiot because I asked her some questions about retrieving points on the internet. She raised her voice, I reminded her I called to get information and that her combative attitude was not constructive. I let her know I was interested in getting her employee ID number. she told me she was the only Stephanie in that department. I called on May 19, 2009 at about 10 am Chicago time. Stephanie is by far, one of the rudiest company employees that I have ever dealt with in my adult live. I was unable to get an adequate explanation about how to retrieve my reward points. I am a senior citizen and should have a customer help agent speak to me with courtesy. Alan of Brookline, MA May 21, 2009 My 6-month CD at Citibank matured on April 2009 and was automatically renewed. Since the renewal rate was very low (1.01%), I called Citibank within the grace period to redeem my CD. The representative I was talking to told me that I should change to 8-month CD because the rate would be 2.5%. I agreed. However, I found out one month late that my CD term was changed from 6-month to 8-month, the interest rate was still the same 1.01%. I talked to Citibank customer service and asked to change the rate because they informed me the rate was 2.5%. My request was rejected. My conclusion is that Citibank is doing everything it can to ripoff customers. Michael of Spring, TX May 16, 2009 Sears Credit Cards (Citibank SD) inserted a small flyer in the February 2009 statements giving customers the option to maintain their credit account at 19% over prime or have their accounts closed and maintain their present interest rate. As this notice was not attached to the statement and was a small flyer designed to not draw notice I did not see it and my rate was changed from 7.24% to 23.24%. I contacted the credit supervisor on May 15 and was told I was required to make the decision by March 31, 2009 and I was stuck with the new rate. I am closing the account but am stuck with the new rate until paid off in full. After doing a little research on the internet it seems many consumers have been effected by this tactic and are now being ripped off by a large credit company that has been "bailed out" by the US government using our tax dollars to turn around and place these ridiculous interest rates on their customers at a time when all in this country are experiencing financial pain. The research shows Sears has been involved in these kind of tactics before and settled a class action suit without admitting guilt but paying a large settlement. I am lucky I have credit available to me and will be able to transfer this amount to another much lower interest rate. Many people do not have this option and are now going to either default on their accounts or continue paying towards an ever growing balance caused by these astronomical interest rates. I would be pleased to be named in a suit against this company and will assist in any way possible to stop these tactics. Tripling of Interest Rates by "notifying" via a small incignificant flyer not attached,but inserted in a statement. Advertisement
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