Citibank Reviews

Citimiles agreed there was an error but would only refund me partial of my additional fees. No manager would ever talk to me and it took a month of calls to get anything from them. I had been a Citibank card holder for over 20 years. Citibank said they could not help me either since the Citimiles department was actually a different company. I cancelled my card with them since this happened, since they do not stand behind their members. Or take responsibility for their business associate's mistakes! Ruined my vacation, had to spend double the original price so I had no spending money. The trip was all worry of sitting with my boys. A nightmare sums it up.

More recently, a customer rep was extremely unprofessional and uninformative about explaining the 'grace period' for an existing loan that I had taken out. I asked to speak to the manager, and then I was put on 'hold'. I never got to speak to a manager. I am amazed at how CITI can survive with such poor customer support and I will be happy the day that I finally end my relationship with CITI. Poor business management, and low quality customer service.

Yes, we are customer we always make mistakes, none of you guys mistakes and our money just wired out without any permission. Who else want to bank with Citibank anymore if the manager going to answer you that: all your mistakes Sir... So dangerous! They could wire your money out to anyone in the world without your permission! And came out with no solution for you! Who could help me out here? I am willing to sue that person who serve the customer like ** and lie about their mistakes! The awful manager's name is **.

Lost my interest and credibility. Spent a lot of time how to talk to Tax department why 60,020 USD just went out to the country and why I have got that much cash deposit into my account again. I have no idea how to explain that situation to them, the person who Received in overseas also have the same problem - money went to her bank account and out her bank account. She has that income tax issue too. When I asked the solution to Citibank all they told me is: not our problem, not our mistake. I believe they may remove the record, mistakes they made from the system. What I can do then? I am an individual customer only!!!! Damage for us is nothing!

The company says it is not their fault it takes eight days to arrive in the continental US. The pony express would appear to have been quicker. I have had good luck with all my other cards. I think Citi Bank may not be getting it into the US Postal Services System until after the 24, which is why I am getting the statement so late. I intend to send my payment return receipt requested to see if it does in fact take eight days for a letter to go from New York to South Dakota. Then I think I'll take that info and my previous statements to the attorney general's office in NY and see if Citi Bank is indeed not getting these statements in the mail in a timely manner. One more way that Citi Bank makes money of the consumer. Booo Citibank.

As of Saturday Sep 27, 2008, the charges still have not been reversed. On Sep 27, 2008 spoke with a bank manager, she explained the service rep. had requested for a interest reversal but not a fee reversal and that she would take care of the transaction. Still waiting on result. $39.00 late fee, 28.99% increase in interest late, $53.95 balance transfer fee. Possible credit rating damage.

I called Bank of America they stated that it was on hold by a Citibank rep. named Jan. I called Jan and Jan had me transferred to a guy named Tony who wanted to verify my identity and so I did. Tony wanted me to fax them my Driver's License as well as the people who are living with me in my house and so I did. He also asked me if I knew some people by the names of such and such, some I knew some I didn't. After all this he tells me that it is going to be further investigated and I told him no problem. Then a couple of days later I called to check up on my account and they tell me its being closed and the reason is that they cannot verify who I am.

In the mean time Bank of America closes my bank account and they do not even have a reason why it is closed. The deposited check of $20,000 actually went through on 7/15/08. Since I was going through all this complications I called the rep. up at Bank of America and stated that I want the check to go back to Citibank because I do not need their services. I also called up Jan and told her that they can contact Bank of America and take their money back. All this was done on 8/1/08. ON 8/15/08 I called up Bank of America and asked if they had returned the check for $20,000 the rep. stated that they are in the process of doing all the necessary paperwork in order to return the money. The check was finally sent out on 9/18/08 to Citibank.

After all this Citibank decides to not only close my account but also my sister's, brother's and his wife's accounts as well and they stated that they couldn't verify all of us. My sister had been a card member since 1995. They closed her account and told her that everybody's account's were fake and that the information we sent to them was not real and it was forged. On top of that they told me that my account was not opened under my name or my social security number, the inquiry they pulled was under my credit report. This was a frustration experience and I am still fighting this non sense.

My accounts are closed so are my brothers, sister and their spouses. Citibank has given no kind of reason for the accounts being closed except that it is a fraud account.

I sent the camera back to the company, and Citicards has proof of the return. Because the company is very hard to get in touch with, and will not return calls, they have told me to handle it myself directly with them. So much for consumer protection from the credit cards!

Later on we couldnt find the salesperson that sold us the product (told us he changed jobs how great!) now we have a new Citi Gold Advisor havent heard one good advice from her yet I have the feeling she just wants me to keep investing in whatever so she can reap some comission from it. I totally dont trust her and I totally lost any respect for this bank.

Loss of 10.000 USD circa

It was inconvenient for me to talk. Work out of home and care for ill relative. She said she would not call back, I had to speak with her now. I called back and could not get pbtain correct answer if checks were going to me mailed or not.
Denied withdrawl to me home equity line

several phone calls to citibank to get answers. a checking account that was not authorized by me was opened. when i asked for that checking account to be closed they shut down my preexisting debit card. atm card canceled without authorization.

I to had face cashflow isssue for my personal expenses for food , clothing etc n Aug, while i was on business trip abroad i, as i could not access my account. I had to take advance cash from a business client whom i met for the first time as i knew no one else in that city.

No investigator ever called, they did however send a new card. Problem is that when I got my new card my points had been cleared from approx. 60,000.00 to ZERO points. So, for over a year I battled for my consumer points, repeatedly I was told it was under investigation. Finally they said we do not show any record of you having those points. I said I have all my statements showing the money I spent,paid and the points that go with that money. They said sorry Sir, we can't help you. 60,000 points is almost half of a trip to Hawaii. Especially with the 124,000.00 I've accumulated since the new card was issued.

And now that I have 124,000 I get a letter in the mail saying they are going to send me a better card, a Citibank card that is not a Home Depot Rewards. The kicker is that if I didn't cancel this new card by 9/9/08 it would come automatically and my Home Depot card would no longer be any good. Wonder where my points would magically disappear to this time. Yep, mental-anguish and theft.

I mailed the amount due for the July statement on time, but it was received according to them 1 day late. Not only are they penalizing the original balance but tacked on the new August Balance to arrive at this outrageous charge.
July statement $263.56

They routinely change their due date in miniscule print

Jacob (Account Care) told me that I signed up for Account Care on 11-29-04. I don't recall ever signing up. I wouldn't even know how to get in touch with Account Care to sign up. I asked the CitiBank people and Sears Credit Card people how this could have happened and they told me they have no clue because Account Care is not part of their company. They have nothing to do with Account Care and don't know anything about the company. They also told me that the only thing I could do is to take it up with Account Care.

Call them and ask them to cancell the service and request (REQUEST) an investigation to see if I could get a refund. That was the only advise they could give me because "Account Care" is NOT owned by either CitiBank or Sears. Flat out lie. Greg and Jacob (from Account Care) at separate times slipped and informed me that Account Care is in fact owned by Citibank. And the credit card through Sears is managed by Citibank. Jacob told me that Sears owns Account Care after Andrew from Citi Bank informed me that Sears and Citi Bank have nothing to do with Account Care and does not own Account Care.

When I asked Andrew (CitiBank) why he lied to me after Jacob (Account Care) slipped (told me Account Care is in fact owned by Citibank) when they were both on the phone with me on a conf call, Greg (CitiBank) hung up! Then Jacob switched me to Greg H. (Account Care with no extention). The previous Account Care person prior to Jacob (wouldn't give me his name). I requested that they give me the name of the supervisor that would be doing the investigation. He said he COULDN'T. They would notify me in anywhere from 2 weeks to 4 months. Most likely 4 months.

QUESTION: Does account care take into account that I spent the last 2 days working on resolving this problem (which is nowhere to being resolved), my time involved, plus the pressure placed on me like my blood pressure and stress of knowing that my debt is just racking up as I battle this mess I never applied for until it's resolved or I use another credit card to buy my way out. This is criminal theft by deception.

Greg's Resolutions was: If Account Care's investigation finds out that I didn't sign up for this then they would refund my money entirely as well as fees and interest.

KICKER 1: Citibank/Sears own's Account Care even though both Citibank and Sears told me they don't. KICKER 2: Citibank/Sears also informed me even if Account Care issues me the refund as well as the fees and interest, neither Citibank nor Sears will place that money towards the 8.99% interest baring account until the 4.00% promotional rate is completely paid off. During that time of which 8.99% interest will be incurred and immediately rolled over and placed on top of the old balance therefore ever increasing the amount owed under the 8.99% rate.own Account Care.

Now Jacob switched me to Greg H. (no extention). The previous Account Care person (they don't have the name). I requested that they give me the name of the supervisor that would be doing the investigation. QUESTION: Does account care take into account that I spent the last 2 days working, my time involved, plus the pressure placed on me like my blood pressure. Greg's Resolutions was: If Account Care's investigation finds out that I didn't sign up for this then they would refund my money entirely as well as fees and interest.

KICKER 1: Citibank/Sears own's Account Care even though both Citibank and Sears told me they don't. KICKER 2: Citibank/Sears also informed me even if Account Care issues me the refund as well as the fees and interest, neither Citibank nor Sears will place that money towards the 8.99% interest baring account until the 4.00% promotional rate is completely paid off. During that time of which 8.99% interest will be incurred and immediately rolled over and placed on top of the old balance therefore ever increasing the amount owed under the 8.99% rate.

Here I want to bring to your notice that in spite of paying my regular Installments. [Citibank] staff is calling me every month and asking to pay my monthly installments. This I can accept as there duties they are reminding to pay my monthly installments. But in my regular payments there is one payment which Bank has not updated in your system and showing one installment outstanding against to my regular installments. I visited to Citibank Manama centre in the month of February 2008 and had discussion with Mr. H., Manager by carrying all my bills. He called one lady to assist me and to clarify and to update all the information. I explained very briefly the scenario by showing all my monthly bills. She agreed that in system for the month of March 2007 it was not updated and she assured that she will update and clear. Before I left from Citibank I requested Manager Mr. H. to look into the matter and do needful. He too assured that they will solve this issue and he himself said that he will call me back on my mobile, but there was no response from the Manager till date.

But in the month of March 2008 again I got a call from Citibank and asking to pay me my one month outstanding Installment. I stated that lady very clearly about the things happened unfortunately the Lady I met in the bank only called me she recognized and apologized for giving call. I feel very ridiculous stating this that in such big organization this mistake is repeating still now, every month I'm receiving the call from Citibank and asking to pay my outstanding one month due. This shows that how better you are giving service to the customers. Hence I request to the higher authorities to clarify and to make sure that this erroneous mistakes cannot be repeated in future to any customers and I request to give reply for my letter in order to make me assure that I can be happy in my future as a Customer to continue with Citibank services. I would appreciate if some body can reply for my mail.

On May 9, 2008 we sent the required written notice of our desire to opt out of the rate increase. Our next three bills have had the higher interest rate (and resultant higher monthly payments - $16.00 more). Repeated calls to Citibank has resulted in their apologizing and saying that the rate will be lowered and the extra interest credited to our account--but nothing has changed.

My wife has been very distressed over this--money is very tight right now anyway and the extra (no matter how seemingly small) has an affect upon our finances. I have had to dedicate hours to this problem--that should have never happened and at worst should have taken Citibank 30 seconds to correct in their system. I can't help but wonder how many thousands of people this has happened to--how many just gave up and are paying the higher rate and how much money is Citibank making from this oversight. (That is how the last Citibank representative named Romeo characterized the situation).

Since by the 15th it had not gone out, I contacted supervisor Chance who also made the same promise; telling me that the morning of Monday the 18th would be the new timeframe. On that morning I called and spoke to supervisor Kerry (ID# sek50) at 8:25, and she told me it would go out that day but would give me no definite timeframe. I spoke to her again at 11:07, and she indicated I should have the fax within the hour (she alleged to have spoken with the department which sends these letters out). Since I did not have it by 1:00, I got to supervisor Vince (sek77), who told me there was nothing he could do.

I called back and got supervisor Winnie (se009) who hung up on me. I then called and got Philip (sek72) who explained that they cannot contact the Letter Writing Unit (which is supposed to send the fax) and that there's nothing more any of them can do. An hour later at 4:04pm, I called again and got Mr. Swinson (no first name given; ID# se348) who contacted the Letter Writing Unit (meaning either he was lying or everyone who came before him except Kerry was lying) and told me he needed to get more information from them and would call me back before he left work, which was 4:00central (5:00EST). At 5:40 EST, I had not received word from him, so I called up and got Vince again who said that he couldn't help me (again).

I am at my wits' end. NONE of the supervisors will permit me to talk to a manager or anyone higher than their position. They consistently contradict each other regarding whether they (or anyone) can contact the Letter Writing Unit? or not, and refuse to escalate my complaint to their superiors. If I had known how bad their customer service is, I would have requested a different lender from my college. It has taken them 8 days so far to send the fax, and if I EVER receive it, it will have been the longest fax in the history of mankind.

I have made an offer on a house and must get this paperwork in to the lender to approve the mortgage - this is the ONE PIECE that is holding back the process. If I do not close in a timely fashion, I will lose this house and potentially the deposit which I have already paid, not to mention the fees for the inspection and mortgage application.

Yes, they can be used just like checks but they have fees and APR's attached to them. Usually the fee is 3% with a $5 min. The light colored checks are the BT checks. Now the terms are with the checks. So for someone to say they did not know there would be a fee, did not read the check correctly. Now, the white checks attached to your stmnt. those are cash convenience checks. They come off of your cash line instead of your credit. There is the 3% fee with a $5 min and NO max and the interest calculates DAILY at usually 19.99% or higher. Reason being, it is cash therefore it is a risk. Citibank has no guarantee your gonna pay it back. You get cash, you spend you may declare bankruptcy or just not pay.

I deal with about 100-150 card members every day M-F for 8 hours a day. If customers would read things and ask questions, half the calls I get would be eliminated. I am thankful for the calls or I would not have a job. However, if you are mad at Citibank most likely it is because you did not adhere to the card agreement that you accepted when you were approved for and activated the credit card. FYI: READ, READ, READ! Also, Finance charges are billed a month behind, so for those of you who paid your last bill then got a new statement and are mad because you got finance charges. those are what accrued from the PREVIOUS months balance that you DID NOT PAY OFF IN FULL BY THE DUE DATE! Turn your stmnt over and READ,READ,READ!

Citicard charged me for late fees and raised my interest rates to 29%. I called to argue about the charges and another rep said that they will lower my rates again but keep the late fees. That was so unfair but I said "ok" just to get the rates back on track. Apparently, Citicard changed my account for email only billing without my knowledge. I asked Citibank to send me the paper bill because I never received the email notice. My wife told me two months later that Citibank is charging us 29% for interest. Then I saw charges for payment aid, and the rewards program. I called 20 times but the bank and these other associates kept dropping my call.

Finally I was able to talk to a rep but I got disconnected again several times whenever I tell them about my complaint. Finally I was able to finish my call with a rep after 5 hours on the phone. The rep said that there was no document on my account regarding the previous call. Then Citibank would not lower the rates. It is their fault in the first place. I am always on time for my payment.

I decided to cancel my account with Citibank. I called citibank to check my balance as of 8/7/08. I wrote a letter saying that I am cancelling this account when full payment is received. I send an electronic payment for the full amount according to the automated service. I will never deal with Citibank or any of its affiliates ever! Lesson learned.

I wasted so much time and money from paying late, interest fees and other auxillary fees that should not have happened in the first place. The bank has the responsibility to notify the borrower when the amount owed is due. If there is a problem with the medium in which it was sent, then the bank has to figure out what happened. How can the borrower anticipate payment information when that information is not even available to the rep on the transaction day, even a week after the transaction. This is a scam by Citibank to get more money from us. If there is a class action suit brought against Citibank, I would gladly testify against them. If I do not have the financial resources to pay off my card, I would be in trouble for sure.

2- I used to receive a monthly statement for my credit card usage but I didn't receive such statement for several months without any logical reason as I regularly pay my monthly amounts and I see a similar monthly statements delivered to my neighbor every month and every time I try to complain by phone, they never succeed in connecting me to one of their representatives . I recommend that all Citibank customer service procedures should be reviewed and Quality Assured seriously as they keep degrading in providing their services .

I fail to know the value which I should deposit every month at Citibank for servicing my Credit Card .

It will damage my credit, I will still owe on a car that I already can't afford, possible court actions can be taken against me, I may be forced to file bankruptcy.

There started the nightmare. I was just so fortunate that the gas of my car sufficed and I was able to get home. I started calling the bank and ended up requesting to have a card replacement. If you are wondering why I did not just go to CItibank and request for a card replacement from there to expedite the process, I can't. This is because I work on a night shift from Mon-Fri. We all know that banks are close on weekends. I can't sacrifice Monday morning since I have other responsibilities I have to fulfill and I am a single parent.

So, since card replacement through delivery is available, I took the option. I was promised that the card will be delivered within 5-7 business days. It went on and on and today is the Nth business day and the card hasn't been delivered yet. I called CItibank's customer service almost everyday last week and everyday had been a disappointment for me. I was given false hopes and I had no choice but to bite into the bacon. People from home also had to sacrifice their time. I had to ask someone to stay and wait for the courier. These people have something to do on their own and elsewhere to go but they can't.

In my opinion, Citibank Philippines is a bigtime ROBBER. I feel that I am being held up. It is MY MONEY that I can't withdraw. Today, I won't give in to hoping anymore. That's why I am starting to make my move even to as little as airing my situation, burden, disappointment and very bad experience through the internet. So, People in and from the Philippines who are planning to open an ATM/Savings account in CITIBANK Philippines, Please think twice. There are a whole lot of other Banks that you could choose from. I have been happy with the other Banks where I also have savings account.

Sleepless nights. Morally demotivated. Family commotions. Added financial difficulties, Anxiety and etc.

I have applied to this bank before and they never used chexsystems, they used equifax. So every time I applied for a bank account, they would give me a crappy reason for them not to give me an account. If they would have checked, then they shouldnt have sent the debit cards. I will not apply to Citibank or any of their lousy credit cards.

I told him I was in a hurry and the representative immediately said just sign here and we will take care of the rest and asked my mailing address. I signed and gave him the address. Please note here there is no address proof/date of birth proof nor any such formalities collected to open a new credit acrd account.

I want to close the card now and have been trying to contact the Citibank customer care. I am put on the IVR and asked to enter the TPIN, date of birth verfication, last two transactions made and so on..I pressed 9 to reach for a Citiphone officer as it is called in Citibank language. I requested the gentle man who came on the phone to close the card..he again asked me to verify my TPIN, DOB, transaction details...I could only furnish the transaction details of the card as I had made the payment to the card from my debit card, but couldn't get the gentleman to transfer me to a credit card closure department.

I have paid late payment charges for a transaction which has been converted to EMI and I am unable to close it..I am asked to write to a mailing address requesting for DOB to be changed to the correct with proofs.

Admittedly, the first time I tried to add this information I had forgotten my security word and so I called customer service and went through their song and dance to get a new security word. They kept trying to give me hints which were completely useless because apparently none of the answers I gave was correct. Once that word was changed, which was no easy task since they were fighting me the whole way, I should have been able to add my checking account information to pay my bill, correct? Wrong.

First, I was locked our for security reasons not from my account, of course, but just from adding the checking account information. Supposedly the lockout was only to last 24 hours. However, when I tried again to add my checking account information a few days later, I was again locked out. That, of course, was because the first time I changed the security word their customer service representative apparently neglected to actually change the word on the account.

So, again, today I had to call once again and go through the whole process of changing the security word, which I did. They then transferred me to another customer service rep who was theorectically supposed to help me add the checking account information. The representative told me they couldnt help me that I had to add the checking account information online. Of course, I couldnt do that because I WAS AGAIN BLOCKED FROM ADDING THE CHECKING ACCOUNT INFORMATION TO MY ACCOUNT. Again, they said I had to wait yet another 24 hours.

This is the most ridiculous process Ive encountered in a long time. Online account access is supposed to make my life easier, yet for the last week I have had nothing but aggravation. Suffice it to say that I am doing my best to open a credit card with another company so that I can transfer my balances from BOTH OF MY CITICARDS to another bank. Let someone else make the money off the interest.

An incredible amount of time wasted. Time is money, particularly for me since I get paid by the hour. We won't even discuss the frustration and aggravation that was caused by this debacle.

Fees and finance charges of over $443.69 so far.

I searched for a telephone number and found 866 on online from another consumer, who was trying to deal with CIT Bank/DFS. Attempts to contact a person failed, whereas a message saying the department was in a staff meeting and to call back in a hour. Numerous calls later, and same message. Was trying to verify early on that no unauthorized person was trying to open a credit account through CIT Bank/DFS.

Potential negative impact to my credit file with respect to unnecessary inquiry and possible identify theft if someone was opening a new credit account in my name through CIT Bank/DFS. Reading online blogs, it appears that CIT Bank/DFS track record to correcting obvious identify theft incidents needs a lot of improvement. I rather not be subject to the consequences that may result from such a situation.

Here is a copy of the letter sent to Citibank. "With reference to your reminder of 29/04/08 probably from the Collection Department, I would once again remind you of my fax to your office dated 3 March 2008, in which I had intimated you in advance with regards to temporary delay in payments. A copy of that letter is being re-faxed. As you are aware, I am a Zamindar and Aquaculturist / Fish Farmer. Due to acute shortage of water for the last 6 months, all fields relating to agriculture have suffered financially. This is a temporary setback and I have contacted several brokers for sale of my lands which are presently un-utilized.

"I received a call from your department yesterday. The less said about the person who phoned the better. But he did suggest that I beg, borrow or steal, but must pay the loan at all costs. If I have to beg from my friends, colleagues or anyone for that matter, I must PAY AT ALL COSTS. And he would not listen to reason and nagged me persistently for several hours. Then another caller with a good attitude called and we discussed the matter in a cordial manner. Are you playing Bad Cops Good Cops? I am wise to your devious plans and will not succumb to your unethical tactics. The more you pester, the more the desire not to pay and take you to Court. By the way, all telephone calls are RECORDED.

"Let me give you a stern warning. Stop intimidating, harassing, humiliating, embarrassing and degrading people. Least of all, it will not work with me. Being Zamindars, we are used to uncivilized behavior and know how to deal with uncivilized people under these circumstances. If your staff calls again regarding installments and discusses the issue in a civilized manner, I would be happy to oblige. If on the contrary, I receive a call from a nagging uncivilized Neanderthal, I will not stoop to his / her level and instead will hand over the phone to my uneducated uncivilized Farm In-charge / Kamdar who is very adept and does not have any respect for goons such as the ones you have employed.

"I see that there are several complaints against your bank on the worldwide web. We plan to start a blog soon for all consumer complaints against banks and institutions in Pakistan that are OVERCHARGING, FLEECING and fraudulently including punitive charges such as the case with my Credit cards. I still await your written reply. It is strange that an International Bank such as your lacks the guts and backbone to send a reply in writing for redressal of several written complaints. What are you so afraid of and what skeletons have you been hiding in your vaults?

"Please keep the collection staff on a leash or better still muzzle them. Otherwise, I will have no alternative but to seek legal recourse and write to every newspaper in Pakistan. In this case I will stop all payments to your Bank until the matter has been settled by the Court. This is my final warning."

Mental anguish, constant phones during meetings, work and while driving and the caller would call again and again if you told them that you were driving. Telling my young son about the default by the bank staff who took it to heart. High blood pressure due to threats and visits to our house / office

Two of the most loathsome acts by your Collection staff were:

1. When I mentioned about the unfortunate person who had recently committed suicide due to MCBs staff harassment, your staff replied He was a weakling?. What callous and inhuman attitude!

2. You staff called my house number and upon learning that I was out, asked who they were speaking to. My son explained. Your staff told my 18 year old son that your father has not paid Citibank installments and that he should deposit the same immediately. My son became very disturbed and when I arrived from my farms, told me that he was ready to quit studying and that I should use his fees to pay the loan.

Please refrain from the above actions or I would have no alternative but to seek legal recourse. This is my final warning.

/08 probably from the Collection Department, I would once again remind you of my fax to your office dated 3 March 2008, in which I had intimated you in advance with regards to temporary delay in payments. A copy of that letter is being re-faxed.

As you are aware, I am a Zamindar and Aquaculturist / Fish Farmer. Due to acute shortage of water for the last 6 months, all fields relating to agriculture have suffered financially. This is a temporary setback and I have contacted several brokers for sale of my lands which are presently un-utilized. Please check my website www.kalrilake.com, which provides details of a very valuable piece of land for sale. Previously the law and order situation and the general conditions of the country discouraged any potential investors / buyers. Business conditions have now improved and we are receiving queries for sale of two of my properties.

Please bear with me and I will settle all your outstanding dues in the next few months. As I have mentioned in my previous letter, I have every intention of paying off the entire loan. In the meantime, would you please reprimand your specially trained and coached Collection Department staff to stop behaving like loan sharks as their uncouth attitude will most certainly backfire. This is not Chicago, neither is it the 1920s and they certainly arent Al Capones hoodlums.

Let me give you a stern warning. Stop harassing, humiliating, embarrassing and degrading people. Least of all, it will not work with me. Being Zamindars, we are used to uncivilized behavior and know how to deal with uncivilized people under these circumstances.

Two of the most loathsome acts by your Collection staff were:

1. When I mentioned about the unfortunate person who had recently committed suicide due to MCBs staff harassment, your staff replied He was a weakling?. What callous and inhuman attitude!

2. You staff called my house number and upon learning that I was out, asked who they were speaking to. My son explained. Your staff told my 18 year old son that your father has not paid Citibank installments and that he should deposit the same immediately. My son became very disturbed and when I arrived from my farms, told me that he was ready to quit studying and that I should use his fees to pay the loan.

Please refrain from the above actions or I would have no alternative but to seek legal recourse. This is my final warning.

When I finally got this mess cleared up I was left with a higher balance than when I had been fine on my own. Citibank had those commercials on tv about a certain person having another's voice and personality and how they bought all kinds of things the person shown in the commercial never would. Well, that was me and I trusted ths company I had been a customer of since 1969 and never made a habit of making large purchases. But, when the other Sharon charged items to the tune of 400, 500 and lots more no one bothered to question it.

Citibank left me be put into a very nerve wracking condition and not in very good position. Do I have a way of making Citibank Pay for there neglect and mistreatment of me? I was a nice person until this happened then everyone acted like I was a real cheat. Not at all like I had never missed a payment and my record was impeccable, which it was and they know it. Any help for me anyone?

The card will not work. I cant transfer funds into my other account because they have some terrible transfer 14 day process of waiting. Also, it takes a few days to even get a number to be able to transfer. So, I call customer service and they state there is NO REASON why my card isnt working. They have to just send me a new one. Apparantly when the card is locked for whatever reason, they cant unlock it. Why? Bank of America does as long as you verify the charges they think are illegal. So, they then refuse to send me a card to my location even though they did the first time. I say fine...Ill just go to my branch and deal with i directly. So another day passes with absolutely no money- meaning...I cant take clients out, cant travel, cant buy food...and I e-mail/call my branch.

They get a new card sent out and cant verify either why its occurred. So, the next day my parents receive a card. I e-mail the branch to tell them. They said i ordered one for home on customer service. Not to worry though- they do have mine coming to my area abroad and will arrive in 2 days. Okay... I never ordered a card from customer service. Now im worried I have 2 cards again causing an issue. I explain this and they said no, it should be fine. So Im stuck, the card is still not here a few days after deadline...and I cant access anything. On top of that, Im suppoesd to transfer some cash so I can pay bills needed from my other account. So Im behind, that account is overdrawn and I have no access. It also looks terrible to beg my boss for cash if I need to take clients out over here on a new venture.

I really dont believe they cannot unlock my card or approve things. I really cant stand it that in an International company, they cant see that their current systems always backfire if you start to use a card in another country- NO MATTER if it was entered in as acceptable on your original application. JUST REALLY TIRED OF THIS...and its not like anyone can help really. They just tell me the card is coming. Id like to see their President have his card shut off while traveling and see how he likes it. Im pretty sure he's' got people who can help access his cash.

Im losing money, getting charged fees, cant eat anything unless i borrow money due to lack of being able to access tons of money in my citibank account.

Lost interest

My time is valuable. How can I afford to check citibank's math every month to make sure ther are giving me the deal they promised? You can bet that if I underpaid them, they'd have collection agencies on [me], but if they underpay me I have no recourse except to stop doing business with them. Big business should not be allowed to get away with constantly screwing the little guy.

I called the customer service number and got someone in India, who I could barely understand. It was clear, however, that he had absolutely no authority to waive the late charge or accept a payment after 5:00 p.m. without charging the late charge. I explained that I had just gotten the bill within the last two days. He said he would enter into the computer a note that the bill arrived late.

When I got my statement this month (this one arrived about ten days before the due date) I had been charged a $39.00 late charge along with $20.34 finance charge. The finance charge was put on because they say I violated the agreement by paying late the month before, so I was no longer eligible for the 0% interest offer.

I have now remitted the entire balance and instructed them to close my account. This company is corrupt. Their 0% offer has cost me so far $123.15, and I suspect Ill be getting another bill for yet another unwarranted finance charge.

Just yesterday I received another 0% interest balance transfer offer through July 1, 2009it would only cost me another 3% to get the 0% interest back. No thanks.

This problem has existed for (many) months and is not an isolated incident. What recourse do I have, as well as all the others who are denied access, against Citistreet. When you are about ready to shoot your computer and stop to call them by phone at number given above, you get absolutely no help. I would LOVE TO FIND A WAY TO 'BLOG' THE WHOLE WORLD to never, ever, use CITISTREET or any CITIBANK/STATE STREET company for ANY financial purpose, especially investing. I doubt that you can help but it would sure be a pleasant surprise if someone could do something so us little guys stop getting abused by large corporations who could care less about the people whose money thy use.

Now why then why is this debt that they clearly know is not mine, still showing on my credit report? I called again, only to talk to a supervisor who could only give me a fax number to fax my request to have it removed from my credit report. I was also told that if they had any questions they would notify me. He also told me that it could take 30 to 60 days to get it removed. I have yet to hear from them. I am extremely angry, and frustrated. What really burns me is my name is not on this card. We do not have a joint account. They really need to get their act together and take care of this. If anyone out there has any ideas it would be greatly appreciated.

I can't continue with my bankruptcy with this showing on my credit report. It has to be removed for me to continue.

Also means that I won't get all the points I should get for my round trip flight to Upstate NY from Dallas, which would be a lot of points. I asked them to cancel my account; they cannot cancel it until 48 hours after I get it, and then I will have to call again to cancel it. I told them they are falsely advertising on Expedia's website then. I told them I was going to report them for fraudulant advertising, and all they could say was that they would be happy to transfer me again......I think I have had enough of this company!!!!!!

I have tried many times, many people and gone in circles, even recorded some of the calls. The worthless certificate will expire 6/30/2008. This was not a free credit card. It has an annual fee for which you are supposed to receive these benefits, and is obviously false promise or bait and switch. I recently ended up just paying for tickets on a different airline at a costly penalty twice. Any assistance you could provide would be greatly appreciated. Please let me know how to help resolve or find a contact for Citibank that would be accountable for this offering. Thank you for your assistance!

Paid full price round trip on United to California just for myself (could not afford companion). Promised my son a trip (after he'd undergone 9 surgeries), finally just booked one anyway on different airline and paid - a package but value of air ticket just for him would probably be $700 to $950.

So I called again to get an explanation, and to see if they would credit me for the purchases I made and they declined to credit my account the additional money. I asked to speak to an account specialist and at first he explained to me the $100 cap. Then I said, well than why did you credit me over the $100 cap, but not the full 5% of the purchases?? and he did not have an answer or an explanation. Then he put me on hold. After 5 min he came back and said that the reason why they went over the 100 cap was because I had recently lost the card and was re-issued a new card. This is clearly irrelevant because I lost the card over a month after the promotion had ended, and had already received statements for the promotional months with the incorrect promotional credit This was a lie, and they were saying this to come up with some reason for why the exceed the 100 cap.

I was a customer with this company since 1999, and it was actually my first credit card, but after this experience I was forced to close this account due to their refusal to credit me the additional $211.42 that the promotional purchases should have yielded. Just to be clear, I received $200 in promotional credit, and I should have received $411.42. I felt as though the promotion was a scam aimed to get me to use the card more so that they would make more money on interest. If there was a $100 cap then they should have disclaimed it at the time they signed me up for the promotion, and I was even more disgusted by their inability to offer an explanation for why they went over their supposed $100 cap, but would not credit me the full amount. Thank you for your time.

What is Citibank doing to their customers and their reputation, harrassing their customers and their siblings who is always willing to take a message every time they make a phone call. Don't Citibank have a proper system in collecting debts anymore. Why are your debt collecters very rude and don't they get some training anymore on ettiquette how to talk to public anymore. I AM VERY VERY FRUSTRATED! THANK YOU!

ISSUES: 1. Teller did not explain there would be a delay but this appears to be common practice since the deposit date was anticipated to be 48 hours later than the actual deposit time. 2. Where is the money held in the meantime? 3. It is now beyond 48 hours since deposit and the money is still not reflected in my account. 4. If consumer cannot post date checks, why are banks allowed to post date deposits into their consumer accounts? 5. It will supposedly be deposited into my e-savings account which does not offer overdraft protection for my checking. There is enough funds in savings to cover $1100 but there was not in checking. If the deposit is not reflected in my account until it clears, don't I, the consumer, have the choice of which account I put my money into?

Loss of lunch break and 1 hour after work. UNNECESSARY STRESS AND ANXIETY Is there a commplaint agency to refer to? This is the second bank I have used which likes to deposit money into money market or savings accounts when the deposit slip is clearly marked checking.

I then attempted to send an e-mail regarding my concerns, but because my account was closed the online form would not allow me to and I couldn't even get an e-mail address! Therefore, I had to write via mail. The response I got was over a month later and was a 2-sentence form letter saying I'm SOL. 2 sentences! I am a manager in a service industry and I understand the importance of Customer Service. Citibank did such a poor job that I will tell everyone I know (and don't know) about how horrible they are.

$200+ cash in rewards

Mrs D told me of a new product that was liquid, and paid a higher percentage. I was TOLD that I could pull it out anytime and the penalty would be minisqual, if any. They put me in a Citibank MLD linked To DJX enhanceed income strategy FDIC DTD 1/30/2007, amount invested was $30,000. Again I asked if this account was liquid without penalties. The latter part of 2007, I wanted to withdraw the $30,000. to make some improvements to my home, and was told I would be penalized by withdrawning my investment. It was a 5 year investment, not short term.

I was misled, by their statements and cannot finish my home improvements as planned. I havent been able to buy my vacation home, as I have planned, or goo on vacations. Very stressed and angry. This irresponsibility suggests that Mrs. D, received a commisiion on the investor and their investments, and it was a conflict of interest for her to advise me in such a way to put me in this investment.

Called Citi-3 times:told ea. time from someone 15,000 miles away(India or PI) it must be the USPS fault. Called US, Cal Sen/Reps. about prob. Told he/she would look into it. Thanks 4 reading this! Good luck all dealing with these.

TREMENDOUS EXASPERATION!

I tried and tried to negotiate on my own with them, they wouldn't have it. Then they acted like they would accept my payment plan from the dmp company, if only I made a little bit higher payment. So I did, twice. Sears Citibank charged off my account, refuses to lower my interst and continues to receive monthly payments of $240. My balance just keeps growing every month. They (Pioneer Collections) threaten to take me to court over and over. I don't know what to do. This is causing so much stress, my quality of life has sufferred greatly. If I could I would borrow the money and give it to them, so they could leave me alone!

Consequences: monthly pymt: $240 for 8 months and my balance has grown over $3000 during that time.

Now if I choose to opt out of this strong arm tactic of Citibank's, they indicate in the letter that my account will simply be cancelled. In other words, if you don't allow us to take more of you money, we are going to cancel your account and demand our full balance.. (fortunately, it is managle at 2,800.00). I am sure this is not happening to everyone as the service rep. states. Just wondering if this is even legal or if this is happening to anyone else. My stong feelings here are that this is only happening to certain folks. I plan to dig a bit more and if I find this is permissable and legal tactic. If it is only happening to a paticular type of customer, I am going to check out bringing a class action.

These interest rates are, in a word, immoral. I have been a stellar customer and I was deeply offended by the mailing. I cancelled my card today. I am considering closing my citi bank account of nearly 10 years. Where is our congressional advocacy? They are all in the pockets of the banks and wall street.

I spoke at the Chennai office to the floor supervisor Ms. Cimmron and Mr. Sridhar. They could not help me. After being promised to hear back, they did not call and finally they too passed the buck to get info. from US office. It is now about 12+ hrs. I requested (a) transcript of my call and (b) speak to a Sr. Supervisor. There is NO MANAGER to respond and call back. It is horrible operations and they do not care of clients. I have never felt cust. service so careless and uninformed. They have no clue on where to pin point the issue.

It was critical for me to send the funds for domestic issue. This is causing me ~17% fees on a daily basis. It is also hurting my reputation where I gave a timeline estimate and there is no way to track and trace it.

8

I contact Citibank, the answer they gave me is that email is sent to my email account directly and it will not be viewing by other people. I plan to watch my account for few days then I am going to close this account or have them sent replace cards.

I will build a house in 2010 and am afraid I will be denied a loan because of this report. Mostly I am angry that consumers are not allowed ANY leeway with credit, despite illness, catastrophe, etc.

with my interest rates so high, its very hard to keep up with the bills. i have told them on numerous occasions that i am having trouble and was told to pay my bills and there will be no trouble. it is very annoying and frustrating to be woken up on saturday and sunday at 8 am with a telephone call from them. life is stressful enough lately, with gas prices going crazy, they are not even willing to work with me to find a solution.

Has Citi stepped up to the plate to help? NO. They are taking advantage of the situation and ruining my credit in the process. They have slapped me with well over $700 in fees and have NOT responded to the countless calls, email, and letters I have written.

Horrible credit score on the eve of my applying for a home loan.

Last month the bill was due on 3/3/08,and I received the statement on 2/23/08. That gave me 10 days in which to pay my bill. Often I am charged a $30 late fee, because they don't always process statements on the day they arrive, but wait several days for some reason.

I believe the credit card companies do this deliberately to earn late fee charges for doing absolutely nothing.

This sent my monthly bill for Citibank from $211 to $495. With recent hospital bills, this just has caused that much more harm to my budget. I cannot afford that. It is not like I chose a variable rate card. It is fixed at 3.9.

Finally I realized that this company was obviously playing a game and that they want me to be late. I ended up using every cent of money that I had in my bank account to pay the payment for the month of February. I paid it on 2/22. They have deducted the amount from my account, but yet it is still showing that my payment is due and that it is delinquent. Citibank is an abusive company.... This needs to be stopped.

I spent all my money I had for the month because they told me that my first payment was not going to be due until 4/20. In order to pay it, I had to use my food and gas money. I was fearful that it would end up on my credit because they weren't getting the forbearance form to me so I just paid it. Now I am still fearful that they will not post the payment even though it has been deducted from my checking account because their system still states that the payment is pending.

This loan shows up on my parents credit report and, at age 27, I believe I have demonstrated I can make payments myself. It is embarrassing. I prefer to set up any payments for autopay to keep my credit rating high, but I think they hope I am late so they can charge me even more. I'm disgusted with this situation.

This is detrimental to my financial well being. My payments are $1212.94 a month for 30 years. I am only allowed to go into forbearance for 12 months over the life of the loan. So, because they gave me a false due date on the phone, I now will lose 2 months of forbearance time; and in this time, interest will still accrue making my loan more expensive over the life of it, and now only giving me 10 months of forbearance time for the next 30 years of my loan. What if I need this time in the future? Thirty years is quite a long time. And it is not fair that I am now going to accrue interest for two more months on this loan. The interest rate is 9.75% on a loan that is $141,177.80. This will be a few hundred dollars if not over $1000.

I need to due my taxes, but I can't.

I am very frustrated and don't know what to do. I do not want to pay for something I did not get.

When I returned from my trip (chargeless) I called customer care, and they said they wouldn't reinstate it due to a bank error. They did not call and inform me of this change of information. I had to find out when I called. I just received a notice saying they closed my account. I do not appreciate this treatment when I have been faithfully paying my bills all along.

I was charged $39 for a returned check. I was also charged by my bank. I was unable to use my credit card and received wrong information about a promise to reactivate my card, which never happened.

I was charged $39 for a returned check. I was also charged by my bank. I was unable to use my credit card and received wrong information about a promise to reactivate my card, which never happened.

The real kicker is that I was paying electronically, never missing a payment, and Citifinancial auto made the decision for me that the last payment need to be mailed. It appears to me they do not know how to process checks, and they even more certainly do not know the best practices for researching payment issues. All I have to do is read the dates and numbers off the check, and they can find my check and resolve it. They do know how to use condescending tones and and how to insult people with their responses. When I informed them that I have paid almost $10,000 in interest and deserved some help, I was told to keep quiet so I can hear what I need to do. Does it not occur to Ms. Perry that she needs to help me? When asked that, she hangs up on me. This has happened three different times. I cannot get through a logical conversation because their collectors are harassing and not helpful.

I am currently being reported negatively to the credit bureau--in error. I lost a home improvement loan for gutters as a result. After the third harassment in a row, on the last call I had to take nitro-glycerine for my heart.

Due to this, I am about to go 60 days late on my student loans and probably destroy my credit for a while. It's a sad state of affairs.

At this time there are no economic or physical damages that resulted, just a feeling of being ripped off.

Because of them not clearing the card, we cannot get a home equity line of credit. The mortgage company is saying they are waiting for this to clear and I owe contractors that will be working here soon.

I lost my job in Nov of last year and we are desperately trying to hold on to our home. Citibank is horrible to deal with the interest rates are obscene and I can't express what the stress of all this is doing to us physically and emotionally.

It's only $118, but it is aggrivating that they never communicate or respond. They never explain why they're ignoring you.

I reopened the account days later, but the damage had been done: hundreds of dollars in fees, and countless difficulties that pop up whenever you try to pay by check with an account closure on record. In response to my attempts to reach a workable payment arrangement, Citibank raised my APR to 31.49%! This drove the total on my bill over my credit limit. I sought credit counseling, and the counselor reviewed my situation and recommended bankruptcy. I'm trying to avoid that however, so I have repeatedly requested a payment plan I can work with; but Citibank employees repeatedly say, we're not offering anything right now, and that it's company policy. It's infuriating. I try to be nice to the poor souls working for this corrupt system. Today I closed the credit card account.

Compounded financial difficulties: Charged around $1400 in a year of compound interest and fees; bank account closed due to unauthorized auto-pay withdrawal leading to multiple bounced checks; hundreds of dollars of NSF bank fees and check fees on the other end. I was at the point where I had only $10 for several weeks, and I had to decide between gas and groceries. I ate all the canned beans I had in the pantry. Not so great for a person not feeling well already. Exhaustion as I attempt to get work and resolve the financial crisis and deal with illness, loss, and hardship, and those cruel people at Citibank.

Apparently they are not satisfied with just the transaction fees they charge your retailers. I can only imagine how this affects the revolving cardholders. Quite the scam they have created. Citibank will notice my use of the card approaching zero, and as soon as my rewards are used up, goodbye to Citi.... amazing what that rhymes with. I feel compelled to notify the NY attorney general's office of their business practices.

It was a fraudulent account opened without my permission and after 7 plus years of paying the account they are trying to ask me again to pay something I did not open in the first place. I have submitting proof of being out of the country and that I did not open the account with the origional company, Texaco, and submitted the same to Citi bank and this company is still demanding payments and the debt has been passed through 3 companys causing my credit report to acquire 3 separate but false sets information.

I want them to stop calling me because they are the ones that are not mailing out the statements on time! If my credit gets affected I will have records, and they will hear from me.

I missed a payment due and Citibusiness called my work. They told me that the missed payment had run me over limit, and a $341 minimum was now $1100, and that they had changed my interest rate from 12% to 30%. The lady from Citibusiness was very nice and stated that once I took care of the $1100, once it posted at Citibusiness, to call customer service and tell them I wanted the interest rate reset back to 12%.

I will be trying that, or try to come up with another line of credit to roll the $14,000 over to so that I can cancel this card. 30% sounds pretty extreme to me, and I had to get pretty vocal before the rep 'came up with another option'. The rep also said herself that I had a perfect payment history other than this one incident.

I am suffering harrassment, discrimation, psycological damages and my business has been hurt due to what seems a vendetta against me.

This is stressfull as they refuse to end this situation and as far as I know, charges will accumulate for the rest of my life. I will not pay to resolve this dispute as I owe nothing nor will I pay an attorney to resolve this dispute. But I will take part in any class action suit against Citi Bank.

I decided to cancel the transfer and wire the funds through Western Union. When I called today the Citibank representative told me I would lose the fees associated with the transfer or that I could wait a few more days. I asked to speak to a supervisor and was placed on the phone with Gilbert, ID 8600976, who told me that I would lose the fees and would only get back the amount they buy back with the foreign currency (Mexican pesos), that it would take 2 to 3 weeks, and that I would not know how much I get back until it is credited. After thoroughly explaining my situation he said there was nothing else except for me to wait a few more days with no guarantee. Due to the urgency of the situation for the ill person awaiting the funds, I had to cancel and lose money. My investment in Citibank's transaction service was not fulfilled, causing stress plus lost money that I feel they should fully refund.

This seems an unethical way to charge additional interest (which is computed on a daily basis). I am currently stationed in Baghdad, Iraq. The Michigan address above is my permanent address, however, for the time until June 2008, my mailing address is in Baghdad.

This is mental harassment plus will cost me if they don't clear it up.

I used my debit card from Citi which I have never used since and lost the rewards I would have otherwise earned with other banks. Many hours were spent over phone being on hold, and there was no help provided by customer service. I was told by Citi that because I had not kept the flier I had received 4 months back, I was lying and there was no such offer.

I guess the money can sit there and collect interest. The only real loser when I eventually free it up is Citibank.

I used cell minutes and my time to make the call; it's possible that there could have been a balance due on that account for something I did not authorize.

I now have this credit card on my credit report that I never applied for and had to cancel immediately. This is infuriating. It also upsets me that this card was sent to a former address in a different state. Citibank has negatively affected my credit rating and put me at risk for identity theft.

I have now had to cancel a new card with Citibank. It is the ONLY card I have had that length of time. All this happened because I did not open a junk email form Citibank.

They told me that I was responsible for the fee.

Fortunately, no one else accessed this card...or that I inadvertantly trashed the whole envelope before I opened it, or this credit card could have been used unlawfully.

Three of my creditors have forgiven us for the problem that Citibank caused us because of our long standing with them. I asked the branch manager for a letter to one of my creditors, (my electric company) whom I have had for over (34) years. Who now have demanded a $215.00 security deposit because of the check they received from me and Citibank has put the stop payment on it. As a result of this my husband went today to pay the $215.00 and it was refused because we are now flagged as a risk and the electric company will no longer accept checks from us. We now have to go back tomorrow with cash or cashiers check. I have talked to (3) different branch managers and (3) different Citibanks, I have called the 1 800 number customer service at least (4) to (5) different times and no one will listen to me. My good credit with my electric company is ruined all because of my wonderful banking service at Citibank. The thing that hurts me so much is that we have been banking with Citibank for over 34 years for as long as we've been married. We have experienced (4) name changes: Citizens Savings, California Federal, 1st Nationwide and now Citibank.

Why is CitiBank allowed to get away with such incompetent behavior towards their cutomers ? I have a fixed income and have health problems. I depend on every cent I make just to survive !

Well I made a payment a few days after the due date. I thought it would be no big deal because the card has the late fee protection feature. I was surprised and shocked to find that my interest rate went from 0% to 32% because of my late payment!

They waived the $39 late fee automatically and charged me a $134 finance charge. I guess that was the simplicity part.

This is a major disruption to my business and I suspect, a violation of my rights.

I flunked the quiz, and was told to send a letter to the squad to request unfreezing, and that a fax would not do. I got a Citi executive at their Bj office to tell them she saw my passport, and that I was the acount holder. But this was irrelevant. Later my assistant arranged a conference call with my Citi account executive in San Antonio, the squad and me but this had no impact.

For the remaining two weeks I borrowed from clients. I went to my local Citi branch in DC on my return and they got the accounts unfrozen, with many abject appologies. They told me I should have told them before leaving that I was travelling and might want to withdraw funds, and that I should have enlisted their aid, and not Citi Bj or San Antonio for help.

I think the problem is size. These institutions have grown so large that they feel it necessary to develop rigid systems and give the low scale employees who administer them no discretion. Citi DC was sad to hear that I was closing all my accounts and planned to try another bank. Bank of America assures me I will have a personal banker to deal with my accounts professionally.

We shall see, but I could not stay a minute longer with Citi. Maybe if enough customers vote with their feet it will ultimately have an impact, but I have my doubts. We need restrictions on size, not because of concerns over price fixing or market entry, but because a small number of hugh enterprises become invulnerable to customer dissatisfaction, while they are also invulnerable to regulatory sanctions and any other feeble attempt to make them behave.

First I was told that they couldn't issue another pin over the phone, then I finally got to the department that handles pin replacement and was told no problem. Needless to say that has been 3 pins ago,and over a week of call to customer service,and still no access to my funds. Each time i call i get told to call back tomorrow.

My daughter has cancer and needed her meds 3 days ago, and she sits in pain because citi bank isn't competent enough to do what they were hired to do. I think they are sitting on my money to accrue interest before they finally make my funds available to me.

We have been trying to work out payment arrangements, and have been constantly harassed by them. When they want to ring my phone off the hook, they don't have a problem.

This is written in the lease, but I did not read this part or had forgotten about it. They, of course, sent no memo or anything asking if I intended to renew, hoping I would forget to cancel the renewal. The buyout price includes one year's worth of lease payments at $125.38 per month pluse sales tax. I no longer have the machine; it was trashed months ago. Why do I have to pay sales tax, personal property tax and payments on something I do not have? Can I be automatically renewed like that? Wouldn't I have to sign something? The buyout price of $1209 (this does not include the renewal) is outrageous. The value of the printer couldn't be more than $400. This is a scam. I want to fight it.

These parasites are feeding off small businesses that require difficult to find financing. This is emotionally damaging as I struggle every day just to pay my bills and payroll. Now I have to stand up for my rights and those of others who are victems of these predators. It takes all my energy to keep the doors open on this small business. Deferring energy to fight this is going to cost me in time and money. I do not intend to pay them any more money, so they will begin calling and harrassing me on the phone.

Every small business owner needs to read, read and re-read every equipment lease before they sign it. Then they need to sleep on it for a month or so. We have all been taken to the cleaners by terms such as Richard describes. Unfortunately, leases are usually very tightly written and we fear Richard will spend a lot of time and money fighting the charges, with only a slight chance of prevailing in court.