CITIBANK USA Citi Credit Card Services Error in trasciption took almost a year to fix, with hit to my credit rating... Internet, Internet
Last January I decided to transfer my balance from a LOWES credit card to a Citibank Credit card account to save a few bucks. Specifically I wrote a check for $2000 at the end of January 2010. I mailed that check to LOWES. For some reason (later learned it was done by mistake) the transaction went through for $20. Citibank billed me for $20 and since I did not make any transaction for $20 I disputed that charge. LOWES, on the other hand, charged me late fees and interest on their account. I made a few calls and managed to get that reversed but they maintained they never saw a $2000 check. I then paid LOWES in full
At least a dozen calls to Citi later, they finally figured out what may have happened (this is now in July). Each call was about 25 minutes long and everytime I called it seemed I had to start over. They still went ahead and billed me $2000 (the correct amount), except they never transferred the correct amount to Lowes. I called Lowes, they did not have $2000 check. I started disputing this with Citibank (3 disputes on the account during that time) but no-one would listen to me. So for at least 5 months late fees and interest piled up on this account till December when I talked to someone who understood wah was happening. She communicated with LOWES I think (and they,
Citi, finally transferred $2000, the correct amount that was supposed to have been transferred in January during the second week of December, 2010).
Lowes then sent me a refund (because I had already settled my account with them in March). And then I paid Citi their bill. Here is the problem:
1. Citibank refused to remove all the late fees on this account they removed most, but not all of them
2. My credit score has taken a big hit.
Called Citi to try to work this out but I am not getting anywhere. I am not making this up, but I have made at least a few dozen calls to Citibank over the last year and this issue has occupied a lot of my time and caused me major grief when I purchased my car in December, not to mention that I could not qualify for the best rates (that I deserved!). I think Citi owes me, at a minimum, the courtesy to repair my credit (it was their fault that this happened).
Needless to say, no longer a Citi credit card holder!
2 Updates & Rebuttals
Southern Chemical and Equipment LLC
Sarasota,Florida,
USA
Hey "smartprov", GO AWAY!! You are an IDIOT!
#3Consumer Comment
Thu, October 20, 2011
Hey stupid, read and understand a post before spouting your idiotic jibberish.
You are telling the OP to "Please Pay Your Balance Due", but the OP does NOT have any balance as it was PAID OFF!! Do you not know how to read???
Then you talk about CitiBank Not being responsible for balance transfers. THE OP never mentioned a problem with a balance transfer at all. The OP cleearly mentioned the "writing of a check". It could have been a check from a personal bank account, right??
In any case, you are an idiot and need to go elsewhere.
It appears that you are not even a genuine American, and most likely not even in the United States.
Where is "Crown Point".
Exactly what branch of Citibank do you work?
If you were actually a customer service rep, you would post the phone# with an extension, and also the branch location.
You are a FRAUD and an IDIOT.
Go away now.
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#1 Consumer CommentPlease Pay Your Balance DueAUTHOR: smartprov - Crown Point (USA)SUBMITTED: Wednesday, October 19, 2011POSTED: Wednesday, October 19, 2011
Citibank (South Dakota) N.A. realizes that sometimes unfortunate circumstances happen to good people. We at Citicorp pride ourselves on excellent client services. It's unfortunate that this situation has not been resolved. However, Citi is not responsible for balance transfers. Ultimately it is the consumer's responsibility to keep concise records of banking transactions.
When you first agreed to the terms and conditions and the card, your signature was a notation that any and all third party transactions release Citi of any liability. Citicorp can send that information to you if you desire. Please call Citicorp Credit Services at (800) 274-6660. We are willing to help! And as always, thank you for banking with Citibank. We appreciate your business. Our account collectors are ready to take your call. Please have your bank information available in front of you. Thanks again. Sincerely, Citibank.
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smartprov
Crown Point,Indiana,
USA
Please Pay Your Balance Due
#3Consumer Comment
Thu, October 20, 2011
Citibank (South Dakota) N.A. realizes that sometimes unfortunate circumstances happen to good people. We at Citicorp pride ourselves on excellent client services. It's unfortunate that this situation has not been resolved. However, Citi is not responsible for balance transfers. Ultimately it is the consumer's responsibility to keep concise records of banking transactions.
When you first agreed to the terms and conditions and the card, your signature was a notation that any and all third party transactions release Citi of any liability. Citicorp can send that information to you if you desire. Please call Citicorp Credit Services at (800) 274-6660. We are willing to help! And as always, thank you for banking with Citibank. We appreciate your business. Our account collectors are ready to take your call. Please have your bank information available in front of you. Thanks again. Sincerely, Citibank.