- Report: #176250
Complaint Review: Citi Cards - Dallas Texas
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Author Confirmed
Why?
Citi Cards
P.O. Box 660370 Dallas, 75266 Texas, U.S.A.
Phone:
800-4478144
Web:
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Citi Cards ripoff an young teenage by pushing through an unauthroized charge that was $1200 over the limit Dallas Texas
Me and a friend got a hotel room. I put down my credit card for the $50 deposit and the other person put their name under the room and signed all other documents including a paper stating that if any other damages were done to the room then they would be reliable for them.
My credit card had a $650 limit and I was already at $600. Damages were done to the room by the person who put their name under the room and signed all the papers. There are police reports stating it. The damages came to $1250.
The police told me that he couldn't charge me with them, but he was threatening to do so. I called my credit card company and told them that I wanted to close that account becuase I feared that an unauthorized charge would try to take place. They closed that card account, but when the hotel manager tryed to push through the charge they let him.
This was $1200 over my limit! They credit card company told me that they let him push through the charges only because he had my credit card number. I was 18 at the timea and now I am 23. I have been paying on that charge ever since bacause I didn't know any different. 5 years i have paid on this debt that I don't owe and know I feel that I have paid what is due, but there is still an efficient amount of money sill due.
What can be done know. I'm still owe them $2000.
Kerri
Arlington, Texas
U.S.A.
My credit card had a $650 limit and I was already at $600. Damages were done to the room by the person who put their name under the room and signed all the papers. There are police reports stating it. The damages came to $1250.
The police told me that he couldn't charge me with them, but he was threatening to do so. I called my credit card company and told them that I wanted to close that account becuase I feared that an unauthorized charge would try to take place. They closed that card account, but when the hotel manager tryed to push through the charge they let him.
This was $1200 over my limit! They credit card company told me that they let him push through the charges only because he had my credit card number. I was 18 at the timea and now I am 23. I have been paying on that charge ever since bacause I didn't know any different. 5 years i have paid on this debt that I don't owe and know I feel that I have paid what is due, but there is still an efficient amount of money sill due.
What can be done know. I'm still owe them $2000.
Kerri
Arlington, Texas
U.S.A.
4 Updates & Rebuttals
Impetusangelic
Kingsport,Tennessee,
U.S.A.
To Kerri
#2UPDATE Employee
Fri, August 03, 2007
I am an employee of CitiBank. There's a very limited amount of time ( I believe it's 90 days) In which a credit card company can legally dispute something as fraud, which is how they would have to dispute this as it was charged wrongly. It sounds as though your dispute came in possibly after that legal amount of time. I tend to agree with the first person who posted to you. I would check your legal statute of limitations and if you're still able to I would get all your documents in order and take that "friend" of yours to small claims for the entire balance plus any interest/fees that have been assessed or paid since the incident. Honestly, I have a feeling you may be past your statute of limitations, which unfortunately would mean you're stuck with the bill. I made my own mistakes with a credit card when I was 18. Live and learn. By the time I paid off mine (with Capital one) I paid nearly double the balance on the card, plus had a charge off. It's unfortunate, but that's how it goes. I really would first try your statute of limitations for small claims though, if that doesnt work just keep paying on it as much as you can until it's gone. Then consider it a hard and costly lesson learned.
Kerri
Arlington,Texas,
U.S.A.
finance charge and overlimit fees
#3Author of original report
Thu, February 16, 2006
They only charged me $1250. I had already charged $600. I HAD ONLY $50 LEFT ON MY CARD. READ MORE CAREFULLY. It is called finance charge and overlimit fees. I guess someone like you has never been in a situation like this, most people arn't that's why I am trying to take care of this. I am in school and I work 2 jobs, so I pay off what I can when I can. You are a smart a*s and I really don't care what you think. I used the term "friend" loosley, just was referring to someone. Yes a police report was filed and he was arrested. YES I did mail in a PROPER dispute letter, which they turned down. Thanks for your input anyways. You don't know me so why are you going to say that I have academic problems? I am a college student, not some low life a*s hole like you.
Steve
Bradenton,Florida,
U.S.A.
Please explain something here...........
#4Consumer Comment
Thu, February 16, 2006
If your credit limit was $650 and the damages were 1250, less the $50 deposit, that is $1850. So HOW, after paying on it for FIVE YEARS do you still owe $2000? I really think you should have disputed the charge in writing, for 2 reasons. First, you closed the account before the charge was made, and second, the charge was over your credit limit. It should have never been allowed, and a PROPERLY written dispute, sent by cerified mail, would have gotten it done, as it was a fraudulent charge. I do feel there is much more to the story. Did the police cite anyone? Did the hotel file charges against your "friend". If not, why not? This whole story just doesn't add up. It appears that you failed both math and english in school as well as the ability to pick your "friends". Consider it an investment in knowledge.
Robert
Wallingford,Connecticut,
U.S.A.
Sue your "friend".
#5Consumer Comment
Wed, February 15, 2006
Unless the statute of limitations has run out (you will have to check) sue your "friend" in small claims court. Get a copy of the police report. Get copies of the hotel documents. Gather up your credit card statements. Obviously they were not much of a friend if they left you holding the bag for the damages they caused. Good luck.
