Complaint / Review
Citi Cards, Citi Mortgage, Citi Retail
Interest Rate Jumped From 2.99% to 29% After Payment Issue

CITI Cards is the biggest fraud that I have run into in years. If you have a credit card from this group, or have been intentionally targeted, pay them off and get off of their list as a credit-worthy business. These actions were taken against an account that I was unaware of even having.

(A) The postal service returns their invoices to their return address, and CITI card services declares "they are not liable to receive return mailed."

(B) A banking institute notifies me that CITI Cards is responsible for reporting my account late (over thirty days), and my credit score has been reduced from 750 to 690.

(C) My immediate response was to contact CITI Cards Customer Service, and I am told "not to pay the bill and/or balance until I have received a proper mailing." I sat and waited almost ten (10) business days for the action to take place.

(D) CITI Cards starts harassing calls every Friday at dinner time, Eastern Standard Time.

(E) I explained the situation, but CITI Cards is not liable. "Who told you not to pay?" "We are not liable for any statements made by our customer service representative."

(F) Once the invoice arrived, I called Customer Service at CITI Cards and told them that I wanted to pay this account off, and they notified me that if I paid it off within a week, the interest rate, which jumped from 2.99% to 29%, would stop. The check was mailed within three days from zip code 27929 and went directly first class mail to their Card Center. Seven days later, I called Customer Service at the CITI Card center, and they said they had not received the check. I called U.S.P.S., the contracting agent for this district, and they told me that CITI Cards received the payment within three days since they work 24/7.

Tracking this account, they received the payment in full but did not account for the check until the check had cleared their account, and at this time they did not have to give my bank a letter that this account was not a penalty nor did it have a late charge attached to it. They also charged that account $20 plus for interest incurred. Wow!