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Barry of Granada Hills, CA February 20, 2009

Barry of Granada Hills CA (02/20/09)
On December 26, 2008 was waiting for wife at the Northridge Mall when was attracted to Kristofs Jewelers because of their sign reading 50%-70% off. Walked in to look for a gift for wife and chose a necklace that was told would cost 1000.00. Although thought this was very expensive also thought it would have even more value because of the sale. [I am] 76 years old and use a walker. [I] also explained that did not have reading glasses with [me] so needed to trust what was being told by the manager when he signed the receipt. When wife opened the gift an hour later, it was discovered that [I] was charged 50,000.00 for this necklace. Mrs. immediately returned to Kristofs with a friend, and explained the mistake and expected to return the necklace. The manager said they have a no return policy but the owner would be in the following morning if she wanted to speak with him.

Mrs. then called Citibank and asked that the charge not be put through because it was obvious the jeweler took extreme advantage of Mr. This was all done within three hours of the purchase. At that time she was told they would do all they could to stop the charge and to call again to check on that. The following day [I] called M. Abounayan the owner of Kristofs to explain what happened and was met with the same information that the charge stands and they will not take the necklace back. Although Mr. Abounayan is the owner who set this policy he still would not do anything to help but received the 50,000,00 from Citibank.

Again Mrs. called Citibank for help and each of the next six calls offered a different answer from a stop on the charge to an investigation being done and a dispute being filed. On the last call she was told that none of that information was true and nothing could be done. [I have] been using this Citibank card since 2002 and in all of that time has made no large purchases except for airline tickets. Although this charge is 10,000.00 over his card limit no one asked to speak with [me] to even verify that [I] was making the purchase or would consent to the extreme charge that meant going way over the limit.

It seems that Citibank would have better treatment for their customers and safe guards in place to protect people from this kind of fraud. [I am] retired and on disability. There is no way can pay this charge that includes a minimum payment many times more than earns in a month. Although [I have] asked for help since shortly after this charge was made it appears on bill and this unscrupulous business has been paid 50,000.00 that could have been stopped before the charge was even posted. It is very clear that this jeweler saw prey when [I] entered their business and found an easy way to make 50,000 at the end of the year.

Since this has happened Mr. has been hospitalized twice for depression and anxiety which has never happened before. Mr. was trying to doing something nice for his wife since he is not able to drive or go out on his own but this has become an extreme stress physically and mentally to say nothing of financially for this man who is already dealing with health problems. Although he has been told by Citibank the charge is in dispute he continues to receive phone calls from a collection agency about the past due amount of 11,826.92. This has caused extreme stress.

Lynn of Manassas, VA February 20, 2009

Lynn of Manassas VA (02/20/09)
Citibank! Raised my interest rate to a default rate in DEC-my 11.9 was going to 29.9. A cardholder since 1989 and always in good standing-so why? Passing losses off to the consumer-why the bailout? I say No More bailouts-who is it helping? Not the consumers!

Sean of Milford, CT February 20, 2009

Sean of Milford CT (02/20/09)
I have written to the Connecticut Attorney General, the White House, and I will continue until my issued is resolved. I have an auto loan with Citifinancial Auto. The original loan was for 18000. I obtained the loan in 2006. I was under the impression the interest rate was 12 percent - which is very high to begin with. I have recently discovered that the interest rate is actually 17 percent.

I have had this loan for nearly 3 years. My balance is now just under 17,000. Which means that in 3 yrs I have paid barely 1000 towards the principal. When I contacted Citifinancial Auto, they told me that they would not lower it, and they could not, and would not do anything to fix it. The part that gets me is that I am one of those middle-class, struggling americans the president is always talking about. I pay my bills, my taxes, and try to live a good,decent life.

So I don't understand why, when the country is struggling like it is, that companys like Citigroup, who have received billions of dollars in TARP money - MY tax dollars, they have the gall to tell me that they won't help me. I have helped them, even without my consent. They continue to get government assistance, and the rest of the country gets the shaft. It makes absolutely no sense for me to pay 17percent interest when interest rates are at an all time low. I want a reasonable payment, one I can afford, that makes sense. I shouldn't have to pay 17 percent interest, it doesn't make sense in these economic times. EVERYone is struggling. It's NOT fair. I want to pay what is fair.

I am behind on payments, and they keep threatening to repo my car. It's my ONLY vehicle.

Lester of Knightdale, NC February 16, 2009

Lester of Knightdale NC (02/16/09)
I have a Diamond Preferred Mastercard account with Citibank and I've been making my payments online. My online statements are sent out the 1st week of the month and my payments are due on the 15th. I've been paying my payments on time, but now my credit card account has an excess amount of money added to it. I now have late fee charges, over the limit charges, three finance fee charges, and a payment for December and January.

I talked to three representatives on 2/11/09 and each one of them told me three different stories as to why my account was delinquent. The 1st representative told me that my early payment in December was credited to my November payment. The 2nd representative told me that my December payment was late because it was due on the 5th. The 3rd representative told me that my due date was at the end of the month and my December payment was for November. I explained to them that my online statements were showing the 15th for the due date and I was paying my bill early. I tried to resolve the issue with the representatives, but all they could say is I'm sorry.

I was wrongly accused of making a late payment and now I'm being charged double for my credit card. My credit score rating was in good standing before I purchased a Citicard.

Scott of Broadview Heights, OH February 14, 2009

Scott of Broadview Heights OH (02/14/09)
I was turned down for an unsolicited AT&T Universal Card application received via e-mail due to being an AT&T customer, (Citibank VISA which reduces U-Verse phone bill by 10%), for the reason You have filed for bankruptcy and your previous account(s) with us was included in that filing. The Ch 7 in question was discharged and terminated more than ten years ago (nearly 12). Is this a fair response by Citibank? Oddly and ironically, I have other current, open Citibank affinitiy revolving trades in good standing; so it doesn't make any sense.

I was denied the opportunity to reduce my AT&T U-Verse phone bill by 10%. I have reviewed my credit reports as recently updated by the three national repositories and have reverified that all bureaus are reporting the 1997 discharge/termination correctly. Which raises the question of where Citibank is getting the information after all these years.

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