Citibank

Due to unforeseen financial difficulty I was unable to pay my credit card debt with Citibank. Last September 13, 2010 I received a text message claiming to be from a publishing company (the name of the specific person who sent it was not indicated). The message stated that they will file a estafa case against me, that they will publish my name in leading newspapers, and that they will seize my properties. The text also stated that I should call Atty. Rhea (I forgot the last name) through that number.

I was wondering why anybody would file a estafa case against me when I never issued any cheque. So I dialed the number because I wanted to be cleared from whatever the sender was accusing me of. A man answered my call. He didn’t want to give his name. I asked him the name of the company he was representing. He said he was from an amnesty program. He was still evasive on the name of the company. When I persisted with the question, he said that he was from HSBC. But I told him that I didn’t have an account with HSBC.
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“Eh, bakit nakalagay ang pangngalan mo dito?” he asked me, irritated. From the tone of his voice he was ready to argue.
Thinking that he shouldn’t ask me that question since he was the one who contacted me, I asked him instead to verify his records. He said he would call again later. My guess was that he was handling multiple accounts from different banks.

Later that afternoon, I received a call from this same man. I will never forget his voice because he was rude during his earlier call. When I told him that he was the same guy that I had spoken to earlier, he denied it. He claimed that this was his first attempt to contact me. I knew this was untrue but I didn’t push the matter.

He said that our conversation was recorded. He was so aggressively rude and arrogant. He kept on asking me, “Ano ‘yung sinasabi mo na ako ‘yung tumawag kanina? Ano’ng pangngalan ng kausap mo? Inaakusahan mo ba ako?” He was deliberately trying to annoy me. He was twisting every word I said so I asked him to play our recorded conversion. He said that it was not allowed. It was pointless talking to him. I was calm throughout our conversation but he seemed to be egging me to get mad.

I was left shaken by the encounter. My whole body was shaking and I was on the verge of tears. This is a case of harassment and false representation. The incident is a clear violation of BSP Circular 454.

I acknowledge my debt with Citibank. I have every intention of settling my debt. I welcome “reminders” from them regarding late payments. I just wish that these collectors could exercise professionalism when dealing with creditors. I may owe the bank money but it doesn’t give them the right to humiliate and insult me.

There should be a definite line that debt collectors are not allowed to cross. Most people who are unable to pay their credit card debt have valid reasons. I pay my taxes diligently and honestly, and yet these collectors treat us like criminals. I have worked hard to gain the trust and respect of my friends and colleagues, and yet collectors are willing to damage my reputation just so they could collect a small commission.

This kind of harassment doesn’t speak well of Citibank’s status and reputation. An international bank like Citibank should employ professionalism and courtesy in dealing with creditors.

Nobody has the right to be humiliated and harassed by collectors who couldn’t even get their facts straight.

Ms. Harassed

I have been a user of Citibank cards for years. The majority of my student loans are also through Citibank. I recently obtained a Citibank American Airlines American Express.

I pay each of my monthly bills at the beginning of each month, as I am paid monthly. I had the card for only a few months, but I had decided to use it for slightly larger items, such as plane tickets, that I intended to pay off over a 2-3 month period. During the month of April, I made a payment. Then, at the beginning of May, once I received my paycheck, I made a payment, which was intended for the May bill, as the April bill was due by April 30. In the beginning of June, I received a phone call warning me that I had yet to make my May payment. I thought that was strange, but made a payment over the phone just in case. I went home and found out that the "closing date" for my April bill was actually May 5, the day I made my May payment, even though the April due date was April 30. I also saw that I had a $39 late fee. I thought to myself, "No big deal, I'll call and I'm sure they will see the error and credit me the late fee." Boy, was I mistaken. I spoke to several people, and they all seemed very sympathetic, they informed me that this would have to go to their supervisors, but they were confident that I would be refunded. I then received several letters and emails denying my request. The letters simply stated that I did not make a payment by June 1st. "No, " I called back and explained, "but I had made a payment less than 30 days earlier on May 5th." Not one of the responses I received even acknowledged the fact that I had indeed made a payment in the month of May.

I will never be using my Citibank American Express again and I only wish I could pay off my student loans in one swift motion so that Citibank would never receive any money from me ever again. And all of this for one $39 late fee.

I am sampath. g I got an email from citib. [protected]@gmail.com that I have won award winners of the uk lottery promo. contact the citi london bank. for your £2, 500, 000.00. please verify the details given and reply me soon my email is g. [protected]@gmail.com. they were asked me to contact the given person mr. kevin kessinger.
Chief operation officer.
For: citi bank

Awaiting ur reply

Thanking u
Sampath. g

My Citi Bank credit card payment was due August 2nd but I misplaced it so sent the payment on the 5th. I have received 3 robo-calls reminders that I am late - one this morning that woke me up.

When I called customer service, the representative said it was my fault for being late and he could not guarantee the calls would stop before the payment was received. I informed him that it was not good business to harass your customers and I canceled the card. I hope you will too. Maybe their management will get the message.

Note: After I canceled the card, told Citibank I didn't want to receive any more calls, and wrote the above message, I still received two more calls. I called them back and told them I was charging them $50 per call - but they just thought it was funny.

I had 3 unauthorized ATM transactions. I notified Citibank and they said they would investigate. A month later, I learn that the investigation is closed based on the fact that the banking practice was the same as mine and my atm card was needed to do these transactions. Basically they called me a liar. Then they took $109 from my account, stating that I had settled my debt with the merchanct and since they originally gave me credit for the disputed about, they were taking it back. I never settled with the merchant and dont know where they got this information. I told them to check my account and they would see there is not credit for this amount. Because of this, my bills came in and were returned. I was charged NSF fees and now not only do I face having my power cut off, I am way overdrawn. They are clearly in the wrong by doing this. How can they conduct an investigation and assume things when this is so important?

I'm holder of Premier Miles Platinum credit card # [protected]-XXXX-6XX4.

I have filed the mileage transfer request for the 27, 000 earned mileage to my Asiana Airlines (Royal Orchids : Star Alliance Fleet) Club Membership # 608907XXX last Mar. 7, 2010.

I have been advised several times from the Citi Gold Wealth Management’s customer service representatives that the mileage transfer will take 2~3 weeks as SOP. But then here I am still following up and complaining after the 1st request which had been filed last Mar 5, 2010 and followed up again last Apr. 16, 2010 and recently Apr. 23, 2010 through Ms. Erica(who politely assisted).

I'm frequent user of this particular credit card to accumulate the miles to transfer to the airline membership particular to the ASIANA AIRLINES.

During the conversation with Ms. Maui Go last April 30, 2010, That was the only time that I was informed through her that the mileage transfer request can not be processed since Citibank Phil. is only transacting with 5 Airmile programs only.

Then why did they receive the request and filed for mileage redemption? Infact it was redeemed!

And prior to filing for redemption I was informed last March 7, 2010 through a customer service representative of Citi Gold wealth Management that it is possible and confirmed several times that the it is possible to transfer the earned miles to my Asiana Airlines membership!

In fact it is clearly stated on the website that “The PremierMiles you earn for every Peso you spend can be converted to miles, rewarding you free flights, upgrades and companion tickets with over 70 airline partners” so isn’t this information or marketing true?

Kindly refer to the following web address and the attached files.
1. http://www.citibank.com.ph/global_docs/microsite/premiermiles/privileges.htm
2. http://www.citibank.com.ph/global_docs/microsite/premiermiles/airlines.htm

Now, Citibank made money out of my credit usage which is evidently showing through the earned miles of more than 30, 000 miles under my account. And that mileage shows how much I have spent by patronizing the premier mile credit card among others.

I do believe that I have spent almost 1 Million Pesos by the deceptive marketing and product sales strategy with unpractical promises which is a fraud.

Citibank have wasted my effort and time on following up towards mileage transfer and more over making me to believe that we should patronize your card and even endorsing the referrals to our friends and relatives.

Another SURPRISING evidence of proving the Citibank’s evil act is deleting your complaint!

Modifying/Fabricating/Changing a precious customer's complaint status to "RESOLVED"!

This has been truly and evidently verified by Ms. Reya Reyes(a supervisor of customer service rep. of Citi Gold Wealth Management.) last June 16, 2010 that she mentioned that “the complaint has been marked as RESOLVED" and asking if this is not! (Wait for the recorded conversation to be uploaded on the YOUTUBE.COM

Until this very day they kept saying "pls wait.. the investigation group will be in touch with you"..which I've been hearing since last Apr, 2010.

How can you make deposits and leave your money with them?!?

And transact with this deceptive corporation!?!

How can you trust them to handle your money?!?

Scary…

Jin(2010-07-06 / 18:12) from Angeles City

Hello sirs,

One mr broachard ndri claimed to be general manager from cofipa investment bank and his associate sonia courage powell are for transfer of us$10, 500, 000 with following contact details

Cofipa investment bank cote d’ivoire
Address: 04 bp 411 abidjan 04, abidjan, cote d’ivoire

Contact: mr. brochard ndri
Position: general manager
Direct tel: +[protected]
Tel - fax: +[protected]
E-mail: [protected]@aim.com
P-email: [protected]@live.com

Vigorously after me. now they have sent me following message which I am verbatim quoting being self explanatory. from its body you will yourself notice it highly fraudulent and suspicious asking my account details. I am reporting this matter to investigate from all angles and also advise me as I am also one of your customers here in karachi.

Since it involves your group name, I will appreciate an early action and response in the matter. as to your branch and the official named therein really exists at the location and could be relied upon for safe and further dealing. further take necessary action against them according to law.

I am sure you will oblige me with response.

Yours faithfully,

Syed israr ali
Attorney at law and
Business & legal consultant.
Karachi

Quote

From: [protected]@live.com
To: [protected]@hotmail.com
Subject: re: contact citibank london-uk
Date: sat, 3 jul 2010 14:25:23 +0000

Attention: mr. syed israr ali, date: 03/07/2010

This is to confirm the receipt of your e-mail messages and hereby to inform you that your cheque has been despatched to our international consulate in london attached to our embassy. his name is mr. james taylor as we told you earlier; he will submit your cheque to the citibank london. this is the officer telephone you will call is +[protected].

Immediately you dial this number above, it will respond in french and introduce all the departments. for example it will advice you to press one (1) on your telephone set in-case you wants to speak to any person in financial or administration department on that order. now, you have to press two (2) on your telephone set to talk directly with the bank director of the citibank or somebody from his department office.

Your name has already been submitted to his office including your cheque and all related information towards your fund final release/transfer. they will ask you to reconfirm your name and the amount involved. remember you will be requested to open account with the citibank london where your cheque will be credited for onward transfer to your account in pakistan.

Their contact details are as follows:

Ms. mary blair, telex credit department
Citibank group 334 strand london
Wc2r 1 hb, london-united kingdom
Tel: +[protected]
Fax: +[protected]
E-mail: [protected]@citibnkgroupuk.com

Go ahead and contact them as soon as possible you can for your funds payment, it is very important that you strictly follow their instruction when you contact them and keep me update.

Very sorry for the inconveniences this may or might have caused you. always note that we work to protect the best interest of our clients. quality service is our greatest concern.

Thanks for banking with us.

Best regards,

Mr. brochard ndri
Telephone: +[protected]
General manager (cofipa bank)
International remittance department

Unquote

I finally finished my last relationship with Citibank . I closed the safety deposit box. I have been very dissatisfied with Citibank every since they acquired Cal Fed who acquired Tech Fed which I opened my accounts and safety deposit box with. In general, if there is no major issue, I stay with the vendors because I am lazy and don’t want to go through the troubles to start a new relationship.

Every since Citi acquired Cal Fed, it’s one disappointment after the other. I closed most of my accounts with Citi after several disappointments with the services. I only got a joint account there because of my mom. We opened the account when the bank was owned by Cal Fed. I gave Citi another try after I closed all the accounts but did not last long. Generally, I feel Citi doesn’t care about the individual customers at all. Their clerks’ manner toward me was cold – I mean really cold.

My last cold treatment happened today when I went to the branch office to close the safety deposit box. I told them I lost one key and could only return one. They said there would be $25 charge. I told them when I opened the box with Tech Fed in 1998 I have paid $10 key deposit. I was told I would lose the deposit If I could not return the keys. Obviously, it took some argument and finally the new owner, Citi, because they claimed they did not get the deposit but finally they honored the old contract I had with Tech Fed. The clerk who helped me was rude. I was waiting to finish the business with Citi. She asked me to sign a paper. After singing the paper, I did not know that was it so I waited. She finally said that “That’s, you DON’T have to stand there”. So, I left. She could nicely tell me that it’s been taken care and whether I need anything else. No, she did not. Her attitude made me feel that I was so cheap and could not pay for $25 fee.

I had very different experience with Chase some time ago. Chase has been sending me $100 bonus card. So, I went to the branch office to check it out. Immediately when I walked in the office, a person came to me and greet me warmly. I asked her about the $100 deal she showed me the person who could help me. To make the long story short, at the end of the visit, I opened many accounts with Chase, which I probably don’t need. But, I feel I have been treated like a VIP despite I am not rich at all.

I know all services may eventually cost me but I would prefer to pay for a service when I am treated well instead badly.

In the future, I won’t do business with Citi Bank and Bank of America. But, I am happy with Wells Fargo and Chase so far.

Citicard customer service seems incapable of addressing a legitimate (and potentially serious) problem with the Citicard (described below), or of communicating logically with me. Here is a copy of our correspondence:

Me: I received my new Citicard in the mail, and had no chance to activate it before my travels began outside the United States. I am currently in another country.

On the front of the new card, there is a message which reads: "Outside the US or Canada call collect [protected]". When I tried to call that number collect I was told by three different operators (Country X, Verizon, ATT) that collect calls were blocked to that number. I then tried calling the general service number for the card (shown on the card and on this web site --" Outside the U.S. Call Collect [protected] "), but was told by the same three operators that collect calls were also blocked to that number.

So now I am surprised, confused, and have also wasted 30 minutes of my time trying to call and also writing you now. Can you please clarify what is going on here and how I can finally activate the card? I would like to use it during my trip.

Citicard:When calling our collect phone numbers please be sure to put a 1 in front of the area code. The phone number you would use is [protected].

Me: Thank you for your advice, but very certainly I have used "1" for the country code. In fact, all calls have been checked by operators working with [country X local], Verizon, and ATT. In every case I am told the same thing by the operators -- that the numbers are "blocked" from receiving collect calls. Can you let me know what to do next?

Citicard: Since you are calling from [country X] please try [country X local access code]-[protected]. We have tested the phone number and it does appear to be working. Adding the [country X local access code]is the country code for the United States from [country X].

Me: The dialing code you gave me (starting with XXX) is indeed a valid number which CAN be dialed from [country X], but it is the direct number, meaning I will have to pay for the international call myself. However, the instructions on both the sticker and on the card explain I can call those numbers collect from overseas. Is there another number I can call for which collect calls are not blocked?

Citicard: You must dial for an operator and have then dial the collect call for you.

Me: Unfortunately, we're not communicating correctly here. In your last email, you told me I must dial for an operator and then they will dial complete the collect call for me. But that is exactly what I tried to do, through three different carriers (Verizon, ATT, and country X). In all three cases the operator informed me that making a collect call is impossible because those specific numbers are blocked from doing so. Clearly something is wrong with the system and I would like to ask you for your help in solving the problem. This is NOT a question of how I am dialing the call; it is a matter of the way you have configured the numbers at your end so that collect calls are impossible to make.

June 10, 2010

Citibank Philippines
Manila, Philippines

Gentlemen and Ladies:

I am writing to express my utter disappointment over your unprofessional and disgusting treatment of a former client.

I was once your loyal member having been a holder of Citibank Master Card since November 1999 until last year when I canceled my card sometime in October in view of my relocation abroad for a new job opportunity.
Before canceling my card, I followed the step-by-step instructions of your Customer Service Representative (CSR): 1. Redeem my rewards point, 2. Pay my outstanding balance and 3. Call again to cancel my card. Two or three days before I paid my balance and canceled my card, I called your hotline to redeem my rewards points. I was assisted by a male CSR whose name has now escaped me. I can still remember what items I chose in exchange for my 50, 000+ rewards points: a digital video cam and some gift certificates. Since I knew that I would be gone by the time the items is scheduled for delivery, I even gave specific instructions on where, how and to whom the items should be delivered to.

Last January, when I had the chance to go back to the Philippines for a short visit, I checked with my friend if he received the items and he said he has not. I called your hotline again to inquire on the status of the items. To my shock and surprise, I was informed by a female CSR that the items were in fact not delivered because I purportedly agreed to waive my rights to redeem my points when I cancelled my card. What the hell? I was dumbfounded. Who, in his right mind would choose to waive his right to redeem the points just because he is closing his account? I have accumulated those points over so many years, refusing to redeem the points until the very end when I have enough to exchange for a better item.

There is no sense or logic to this explanation, none at all! I promptly explained to the CSR what transpired in October 2009. She promised to attend to my complaint and call me back as soon as she has new information. She further told me that they will review the recorded conversations I had with the male CSR and that it might take some time.

And indeed it is taking some time, a lot of time. Because until now, five months later, I still have not received any update from anybody from Citibank. I am still abroad and I am still using my old Philippine Mobile number (09178******) and nobody called or even texted me about the status of my complaint.

To say that I am thoroughly disappointed by your service, or the lack of it, is an understatement. I will make sure that my friends and acquaintances and their friends and acquaintances will know about this unfortunate experience of mine. I will also post this letter on my blog and my friends’ blogs as well as my friends’ friends’ blogs so that our readers who might just be thinking of getting your services would at least think twice. I don’t really care whether they get your card or not, what is important to me is that they know that this is how you REWARD your clients or ex-client for that matter.

For a company that says it never sleeps, maybe it is high time that you consider sleeping again so that your employees can do their job when they’re awake. As far I am concerned, someone in your company is not just napping but snoring on his job.

Sincerely,

Disgruntled Ex-Client

I have been with Citibank for 5 years now through my company and as my old card recently expired I received a new credit card which I was asked to activate in the usual way by phoning them.

When I phoned, I was asked by a computer to enter the numbers on the card and was told to my surprise that the number was invalid! I tried several times more and was told, by the computer, the same thing. I hoped that by doing this, like a normal call center, I would eventually be put through to a human being who could resolve the issue, but instead I just got cut off. I tried several different routes but never managed to get passed the computer. Eventually, by going through a sales route, I managed to get through to a call center in India, who took my card number and address and also told me that my account was not valid. This is particularly interesting as a couple of days ago I received my statement from Citibank, so I must have existed then and I am sure I will exist when the payment is due!

Despite having a statement from Citibank in front of me they continued to deny that I was a customer and therefore would not help me in anyway. I am lucky because this is my company credit card and therefore I can use my company to help validate my claims and take the time to sort out the problem. With no call centers in locations which you can have a reasonable conversation with, apparently no account against which my calls can be logged and I assume no account which I can make a payment to to clear my account. If I had been an individual, I can only assume, the next thing I would have heard would be a threatening letter from the Bailiffs demanding money in addition to the money that I owe, with no one to validate that I have tried to resolve this.

This is not the first time I have had problems with Citibank and many of my colleagues feel the same. My advice to anyone looking for a bank is keep looking! If they can loose my identity so quickly, what else can they just loose overnight, my life savings (which I might add, are not and never would be with Citibank)!?

CITIbank Credit Card No. [protected]
Full Name: Veluswamy Ramdoss
Address: No. 13/17, Parameshwari Colony, Kodambakkam, Chennai — 600 024.
(Near Best Hospital)

I have Using your CITI bank Credit Card since 2007. (CITI Bank Credit Card No. [protected], in the Name Of R.Veluswamy). But i Couldn't make the payment for the last 2years i have explained my suituation to their executives and manager's, they planed and offering me to settlement of for Rs. 8000/- on 10/05/2010.(here i have attached the settelement Letter copy, pls find the soft copy), i made the payment on 11/05/2010. (here i have attached the bill payment copy, pls find the soft copy). and now i have received the a statement like received cash payment of Rs. 8000/- on 12/05/2010. and still showing payment over due pending...

Find Below my complaint to Citibank and the issue basically my father had an NRE account with my mom as a Nominee when he passed away we went to Citibank Connaught Place branch to transfer the money 1. to be welcomed by the most pathetic Manager who didnt really care and couldnt do her job 2. she informed us that there was no nominee on the account to later on find out from another branch that my mother was the nominee... Makes you think CITIBANK = FRAUD ... nonetheless to say that my complaint letter didnt get much attention...

I am writing to you regarding my dad'... NRE account
My dad passed away on 11th January 2010 and had my mother as a nominee on the account in case of death. I was amazed to know how your staff in your Connaught Lane branch (Connaught lane, Connaught Place, Delhi Indi) treated my family.

The branch manager or the person who takes care of those issues (whosoever it was), was RUDE, not polite and misinformed them about the nomination stating that no one was nominee on that account. Couldn’t even do her job properly and check things the right way.

The second thing which amazed me is your customer services I called them 5 - 6 times for information regarding the procedure to follow and each time was advised a new procedure it show how well your customer service representatives are trained regarding your products!

It is your responsibility to know your policy and procedures. It took us an incredible amount of time to solve the matter and a lot of stress and I am sure you can understand that this is the last thing one need in those circumstances.

From this incident this is the impression Citibank left me:

- Very poor customer service
- Staff fails to know their own products
- Staff with questionable ethics and integrity

I look forward for a coherent explanation on how this could happen and I am hoping that you would take some action with the person concerned in your Connaught Lane Branch.

Beware of the high overdraft fees. I was hit 3 times with $29.50 each overdraft fees, and they don't let you know about it either. I spoke with a manager named Brian there to see if I could get a couple of the fees waived as I think I should be charged one fee, and not 3 since I wasn't aware of it, and they didn't notify me, but he was so rude. Go to a bank that would treat you better. Try Northstar, there rate is 4.01% vs. the sorry 2% at City Bank.

I opened a Christmas club acct with National City in 2008. I didn't deposit any money in it. In 2009 Dec. the bank called and said that I owned them $1, 172.52. in overdrafts charges. I was supposed to deposit money in not be charged over draft fees. Now I have a collection agencies calling at work and at home for the money. I told the collection agencies to stop calling me at work and I'm not paying them anything. I just hope this is not going to stay on my credit report. The bank should be ashamed. I know I have trouble with my banking acct. but not to be charges this much for a Christmas Club. Only my overdrafts was so high that I whole paychecks was gone, I couldn't get any help from the bank. They said that it was my problem I overdrew the acct. The bank charges 8.00 a day for overdrafts and 34.00 for overdrafts checks or items.

Back in 2006, I changed my address on my Citibank credit card account on the day the payment was due. "The system" would not allow me to make a payment for 2 days, forcing me to be late. Even a call to their call center did not help, because "the system" would not accept a payment for two days following an address change. As a result of them forcing me to be late they increased my interest rate.

In late 2008, we, like many in AZ fell a month behind on our mortgage and sought a loan modification. Although we paid Citibank on time, they jacked up our interest rate. The practice is now illegal.

I stopped paying them. They are now trying to haul me into court after refusing to remove those inflated interest charges.

Citibank is a pack of unethical thieves. Corporate bullies. I will never do business with them again, and I would warn anyone else that they may be Citibank's next victim!

This is in reference to one of my compliant logged with Citibank on 9th Nov, 2009. A ILLEGAL ONLINE Transfer (through NetBanking) of RS 55000/- happened on 03/11/09 from my CITIBANK Salary A/c to ICICI Bank. This transaction happened without my knowledge & permission as I didn’t shared my login details, TPIN, IPIN with anybody.

After noticing this problem I visited CITBANK (India) and submitted a written compliant. CITIBANK Team acknowledged & confirmed me that they will look into this matter. But sorry to say, I haven't received any favorable reply on my concern from Customer Care as well as from the person/team who is investigation this issue. Complaint Numbers: [protected], [protected].

Its more than 20 days now, and today they told me that its not Citibank fault & they cannot help in it. Hence, I would like to highlight this issue with the Citibank Higher Management & request them to act on my problem and help me in getting my money back.

Dear Sir,

This is to inform you that I am a customer of HDFC for A/c no-[protected] Account Holder Name Vijay Sharma, There is deduction of INR 3250.34 /- as AQD charges from HDFC BANK without any intimation, Which is very wrong as per customer service.

Requuest you to please make the credit for the same amount in my A/c with the explaination of this activity without any intimation.

Same is acknoweledge by BANK Also.

otherwise we have to do some leagal action towards the same.

Waiting for your kind revert.

Regards,
Vijay Sharma
Jaipur
A/c no- [protected] HDFC Jaipur(Vaishali Nagar ) Branch
Mobile No - [protected]

There has to be something we can do. We are in a loan mod right now, and they change the way we pay, or something else changes. This bank is too big for it`s own good. They gave us an option in November to do a loan mod. We sent 3 payments in, then they sent 2 back saying there was no loan mod, They called again, this time more money was needed, and the packet did come. We have made 2 payments, now the last one is "lost". bs!.I have the cancelled certified check, and they cashed it. They are playing with all of us, no intentions of helping us. Misrepertation of the affordable housing act. We are the mouse, and they are the cat batting us around. We need to do something. Keep trying, I am. I am going to write to the newspapers, and the congressmen. Will let you know how it goes. Please keep me informed of any ideas, and a class action lawsuit sounds great!

For Years we have been paying off our store credit card, through Citi for years. always paying on time when suddenly, we were hit with "Late fees". The bills were always mailed on time but Citi claims they were delayed by the Post Office and finance charges of over 3 times the payment were added.

Customer Service are useless and was not interested in any reasoning or proof of payment, And would only remove a small portion of the charges and then only if the entire charge was paid up front.

Citi is obviously playing fast and loose with the Truth in Lending ACt and deliberately staffing their phone lines with incapable or obtuse personnel.

I for one have lost all respect for Citi.