Credit Card Update....

15 years ago

Things keep getting better and better. After I posted about

being charged

late fees and interest for 'delinquent'

account, I paid the bill. Called the next day to challenge

the additonal fees. Was told they would be cancelled.

Well instead of that the idiots paid the 'overdue balance',

which meant they had overpaid themselves $1400! When I

discovered that, I once again called and was told it would

be returned in 2-3 days. Never happened.

In the meantime (while I was dellinquent) my credit

score was modified, a department store changed it's terms,

a vendor who supplies my medication was denied payment, etc.

Five days have passed since I was assured refund in 2-3 days. Now I am really livid. Once again when I contacted

them (supervisor) I was told that I need to supply them

with bank account # and routing # before they could refund my STOLEN MONEY. This I refused to do. They have me jumping through hoops to get back MY MONEY. First of all

they already have that information. Secondly they need

to contact the person that took the funds out, without

authorization, who already has access to my bank information.

BTW, I have written acknowledgement that the email reminder

notice never went through to my inbox.

SO MUCH FOR C I T I B A N K .

Sort by:Oldest

Comments (8)

gemini40
15 years ago
I feel bad for the trouble you are having with this company..They are on my top 10 list of companies I refuse to do bussiness with. Hope you get your refund fast.

June
bee0hio
15 years ago
Oh my goodness!! They owe you.... BIG TIME. The ripple effect is swift & really bad, once things start to go wrong. I hope you can get things rectified without tearing every hair out of your head.
Related Discussions
Credit Scores and Open Credit Cards
Q
Comments (3)
DH & I also have several cards with no balance on them. We will be applying for a mortgage soon, so I asked my banker this question. He told me to cancel the majority of the cards, but to keep either a couple with fairly low limits or one card with a pretty decent limit. He said that banks like to see someone have $30,000-$40,000 worth open credit on cards (depending on your income). He says that lets them know that you have a source of available money that you can access quickly. He said they don't like to see huge amounts of open credit because that shows the potential for a problem. We pulled our own credit reports & they said that the amount of unused credit we have may actually be hurting our score. We have only a tiny fraction owed but a lot of open credit. Another thing my banker & the credit report mentioned was the ratio of how much you owe to the amount of open credit. Example: If you owe $5,000 & have two cards with a total credit limit of $20,000, cancelling one card that has a $10,000 limit can actually hurt you. Instead of having a balance that equals one quarter of your available credit, you will now owe an amt. equal to half of your available credit. If you want to cancel, make sure you write a letter to the credit card company & keep it & proof that you mailed it on file. Make sure to request that they note in your file that the card was cancelled at your request. Having a lender cancel your card can hurt your credit score. If you won't be applying for a loan any time soon, you can just leave them & they will drop off of your credit report after a few years.
...See More
a warning about using credit union-issued credit cards
Q
Comments (5)
I am a merchant who accepts credit cards. On this end it's pretty cut and dry. I get a notice of a chargeback and I must produce my copy of the credit card receipt with their signature on it. It must be either imprinted or through a terminal. With online sales I must produce the hard copy of the order. I have 5 business days to either send or fax my copy proving the charge, or the money is automatically deducted from my bank. Plus a $25 fee. I get chargebacks because I'm an artist who does art and craft fairs throughout the northeast and there are times people in say, New Jersey see a charge from a company they never heard of in Vermont. "I've never been to Vermont!" So they challenge. I produce the receipt and a note they made a purchase at such and such craft fair, and it's done. Go to your credit Union in person and talk to someone who can actually help you. Have someone with some authority help you. You're finding out phone tag doesn't work. Go up the chain of command at the CU to get things done. You have 24 months from the date of the alleged charge to challenge it. The merchant has 5 business days to answer.
...See More
Credit Card Breech
Q
Comments (9)
Someone recently stole my Visa number too! Only they were really stupid - they bought this butt ugly hat from Cabela's and since I have ordered from Cabela's before, they had my info on file and sent it to MY house. This hat arrives and DH is asking me if I ordered anything from Cabela's and I'm insisting no (I am kind of dippy nowadays but come on - I would remember ordering from a place I only ordered from ONCE before!) and just as I say that maybe someone stole the number the phone rings and it's the fraud department from Visa. The interesting thing is that they were not calling because they suspected the card was stolen - they were calling because it was used at a website known for making unauthorized charges (you buy something for $9.99 and they charge $79.99 or you buy something one time and they put you on their subscription and automatically bill monthly - they sell diet supplements). There was only the hat and the diet supplements and a $1 to ebay so far so it looks like we caught it before the "big one" was attempted. It's an unfortunate byproduct of living in a digital age I guess. Anything that makes it easy for the owner to purchase something also unfortunately makes it easy for other people to abuse that information.
...See More
Creditreport.com charges on my credit card
Q
Comments (17)
Credit card numbers can be accessed by crooks so many ways nowadays--not just by someone picking your purse or going through trash; a lot of computer-savvy people steal entire customer database info (like what happened a few years ago with TJMaxx/HomeGoods/Marshalls). Glad the woman could help you. Did she say whether she'd flag that old account for further activity? Unfortunately, the credit card companies never tell you how your account was compromised--by whom, to what extent. A few years ago, I got a letter from my credit card company saying my account had been compromised by a website and that I needed to fill out a form and that my account would be closed and a new one opened (it was legit, not a scam to get personal info). But no one would tell me which website it was so I could stop doing business with it! That account changeover really messed up some of my automatic debit payments, I'll tell you, even tho the credit card company said everything would be transferred smoothly...
...See More
Mystical Manns
15 years ago
I'm so sorry this is happening to you, I'd be livid, too! But your experience sure does re-inforce our decision not to allow certain bills the ability to automatically deduct payment from our checking account. Only bills with a "lockedin" payment amount are able to do that.
paleblue
Original Author
15 years ago
OOPS, just got message from them. The matter is under investigation and I should hear from them in 10-15 days.
Meanwhile...
maire_cate
15 years ago
My son works for a bank (not Citibank) and I happened to mention this to him. He asked if you could go into a branch and talk with the branch manager and request that this be expedited. While the branch person can't correct the credit card issue they should at least get this moved up.

I've never dealt with Citibank but they keep send me credit card applications. I've probably received 8 or 10 in the past 12 months. Even though I've told them to remove me, and opted out through the credit bureaus they keep on coming.
redcurls
15 years ago
I would think that in order for a person to manually override the system and refund that money and not wait for it to go thru channels, you will need to supply the needed routing number, etc. Yes, THEY already have that information, but the person you're talking to needs the info in order to help you correct the problem. I had a similar problem a year ago and I understand your nightmare. NOT fun!
mariend
15 years ago
This is why I will not have anything taken out of my bank account automatically. I do on line banking, and I can tell it when to make the payment, even a month is advance.
I don't want paper statements for anything except my bank. I know they will forget to nofify me or I will be gone and miss the payment.
sheilajoyce_gw
15 years ago
AT&T has overcharged me, and they want automatic payment. Never!

Credit Card Update....

Comments (8)

gemini40

bee0hio

Related Discussions

Mystical Manns

paleblue
Original Author

maire_cate

redcurls

mariend

sheilajoyce_gw

COMPANY

BUSINESS SERVICES

GET HELP

CONNECT WITH US

Credit Card Update....

Comments (8)

gemini40

bee0hio

Related Discussions

Mystical Manns

paleblueOriginal Author

maire_cate

redcurls

mariend

sheilajoyce_gw

COMPANY

BUSINESS SERVICES

GET HELP

CONNECT WITH US

paleblue
Original Author