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Forced to Buy Insurance When Already Insured
Posted by on
SPRINGFIELD, OHIO -- Every year since CitiMortgage bought our mortgage on a second home, we have problems with their insurance department when they request proof of hazard and flood insurance. Each year we have Certificates of Insurance mailed and faxed to them. They claim they never receive the information and always purchase a policy, usually flood, for us. This year I personally mailed the Certificate to them and after checking with them they acknowledged receipt. Shortly afterward, we received a letter stating that they felt we were underinsured for flood, and suggested we contact the homeowners association and suggest we raise the amount of flood insurance carried on the building inwhich our condominium is located. We received this notification in previous years, and each year was advised by the agent who handles the policy that we carry the maximum allowed by the federal plan. This year, without prior warning, CitiMortgage purchased a supplemental flood policy covering our unit for $11,350, with a premium of $341.00. Trying to reason with them and get information was impossible as all they could do was read from a prepared script telling me they were sorry I was inconvenienced and upset. I was transferred from the insurance department to customer service and back. At that point I requested assistance from the insurance agent who informed me this was a common practice with CitiMortgage to force insurance and it was not legal or necessary. He did get them to cancel the policy, but now they are requesting a premium for the one month they feel we were underinsured even though no changes were made to the master policy. Watch out for them. This is common practice with them. They do make a commission on the sale as per our insurance agent. Check your escrow accounts for unauthorized purchases like this. We need a class action suit against them to stop this practice.
     
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Alain on 2010-07-07:
Is there anything in writing (in the mortgage agreement for example) that would allow them to do this?
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Citibank Shell Mastercard Closed Without Warning
Posted by on
Today, when I went to fill my tank, I was surprised that my Citi Shell card was declined at the pump. I showed the card to the attendant, who submitted it again, and again it was declined. I used another (Citi) card to pay for the gas.

I was surprised because I have always paid the balance in full, on time. Because of the Shell card rebate program, I have bought Shell gas 90%+ of the time for several years. Furthermore, because I use this card exclusively for Shell gasoline, the balances are not large – rarely over $200. I thought it was an administrative mistake.

When I went to the Citi web site, I could not log in. Finally, I called Customer Service.

The CSR informed me that, "My card no longer met their credit quality standards," and that they had closed the account. This, despite the fact that I have always paid Citi in full, and on time.

Citi apparently has received information from Equifax, and I don't know what it could be. (I do have an out-of-state speeding ticket that I have yet to settle, but all my financial relationships are in good shape.)

So I'm out. A perfect (if small) customer – at least on this account.

I am a small businessman. I use credit cards for cash management and operating cash flow. I am very concerned about the impact of Citi's action on the rest of my credit history, and how it can hurt my business.

I have large corporate clients, and I would not be shocked if they "pulled bureaus" as part of their procurement process. (Insurance companies do it when they review policies.)

Moreover, this action lessens my overall credit availability, and therefore lowers my FICO score. With the same dollar amount of credit usage, I now have a higher "balance to credit limit ratio", an important FICO driver. So my credit score will go down.

I do all my business with Citibank, including other accounts with much larger balances. In the past 5 years, I have paid Citi $271,000. I am very concerned that I will wake up one morning, and Citi will have closed my other accounts.

What do I learn?

Do not do all your business with just one bank. With one bank, you are completely at their mercy. And you cannot trust them. They can make decisions that can cripple your business without even telling you.

Ironically, the loyalty incentives banks give you make you more vulnerable to their policy changes. It costs more and it's more hassles to diversify, but you have to protect yourself.

Being a perfect customer is not enough. So tomorrow, I'll go shopping for other sources of credit. Going forward, no bank will get more than 40% of my business.
     
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Anonymous on 2009-10-20:
Credit is a privilege that can be extended and revoked at any time for any reason. Sad but true.
JR in Orlando on 2009-10-20:
Its sad that the people who have defaulted on their credit cards and other loans have caused honest, responsible people to pay the price for their irresponsibility.
GenuineNerd on 2009-10-20:
Link to MSNBC article about Citibank closing thousands of credit card accounts without warning:

http://www.msnbc.msn.com/id/33388210/ns/business-consumer_news/

Now that MSNBC (and possibly other media outlets) has gotten wind of Citibank's practices of closing perfectly good credit card accounts (just because of an "Equifax" report), maybe Citi Cards will take notice, judging from the sheer number of complaints.
fuzzyE on 2009-11-02:
Look here:
http://credit.about.com/b/2009/10/20/citibank-closes-shell-and-other-gas-mastercards.htm

I read somewhere that they closed all "gasoline branded" credit cards
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Account closed suddenly without notice
Posted by on
SIOUX FALLS, SOUTH DAKOTA -- I have a Shell Mastercard from Citi. Yesterday I attempted to use it at a Big Boy restaurant to pay for my meal, and the card was declined. I was puzzled, since I still had over $1100 left on that card's credit limit, and that I was never late with a payment, never went over my limit, and often paid more than the minimum payment on that card. I first assumed it was a computer problem with the restaurant's cash register, so I attempted to use the card again today, this time at a Big Lots. Again the card was declined. I then called Shell Mastercard, and was told that my account was closed due to something that was on my Equifax credit report. I then pulled up all 3 of my credit reports (Equifax, Experian, and Trans Union), and found nothing negative on any of my credit reports. Ironically, Equifax was the only one of the three that still listed the Citi Shell account as open. Experian and Trans Union listed the Shell account as "closed at card issuer's request". Because I have always been good at managing my credit card and other accounts on time, I took this account closure as a shock. My other concerns are that Citi will charge overlimit fees and/or ask me to pay the $6000+ I owe in one lump sum. I do have a Visa with another bank that I can transfer the balance to if need be, but I would prefer to work something out with Citi Cards, possibly by paying a fixed amount per month until the balance is paid in full.

Apparently I'm not the only one in this predicament. I went to the FatWallet.com forum and noticed that several other Citi Shell Mastercard customers had their cards declined and accounts closed as well. I also wonder if Citibank NA and Shell Oil are discontinuing the Shell Mastercard program, considering the sheer number of closed accounts, which I heard were in the thousands. Most of the other Fat Wallet posters mentioned the reason for their accounts being closed is due to something from their Equifax reports as well. Citi Cards is giving their Shell Mastercard customers a lame excuse for closing thousands of credit card accounts, the majority of them in good standing. If a class action lawsuit is being considered over Citibank NA's actions over their Shell Mastercard customers, I would definitely be one of the plaintiffs.
     
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Anonymous on 2009-10-17:
Just as credit is a privilege, it can be revoked at any time. Sad but true.
GenuineNerd on 2009-10-20:
Link to MSNBC article about Citibank closing thousands of Mastercard accounts tied to oil companies:

http://www.msnbc.msn.com/id/33388210/ns/business-consumer_news/
Nohandle on 2009-10-20:
I read that same article today on MSNBC. I don't think anyone understands what's going on. Any CC company can probably close an account at their choosing but I would certainly hate to find myself in another area depending on a CC to then discover the account had been closed with no advance warning. Thanks for the heads up. I don't have that particular card but I expect a number of other members do.
prkr on 2009-10-21:
I know it sucks that the account was closed but don't worry about having to pay the balance in full.You will still be able to pay it down monthy and as long as your finance charges do not place the account over the limit then there would be no additional fees.
GenuineNerd on 2009-10-23:
I received my letter from Citibank today, the 23rd. The letter was dated the 15th. The reason for my account being closed is, according to the letter, "Ratio of revolving balances to credit limits too high". The Citibank letter also said, "Our review was processed by a credit scoring system that assigned a numerical value to various items on your account(s) with us and your credit report."

I wonder if others received similarly-worded letters with similar reasons for their accounts being closed.

At least I can still make monthly payments, hopefully at my present interest rate of 18.9%, until the account is paid in full. If Citibank raises my interest rate, I do plan to transfer the balance to a lower-interest Visa I have, but I prefer to pay Citi off at this point, to keep whatever available credit I have open, thus keeping my FICO score within acceptable range.
Giraffe on 2009-10-29:
The same thing happened to me! I pay in full each month and never late or over my limit! The excuse they gave me is just that an excuse or lie. When I talked to a supervisor she said my credit acore does not meet their new parameters. I asked what the parameters are & she doesn't know and I can't be informed. How can I fit into the parameters when They won't tell me. The real deal is I don't make Citi money. Why do they have to make excuses. The same happened to my Mom. Yea if there is a case, I want to be involved. The sad thing is I always recommended this shell card to everyone. What a joke! Maybe now that my credit score has been wounded by them I will fit the mystery credit score parameters!
Desert_Mutt on 2009-12-01:
Walmart's card did the same thing to me. Had used it monthly and then would pay it off after I got paid. Received a letter in the mail one day that said my credit was reduced to $100.00.

They are actually doing us a favor in a way. If they don't extend us credit at their stores, we only pay for what we need.

I have cut my consumption quite a bit. I used to spend a lot of money on dumb things because of the easy credit.
voiceoff on 2010-02-03:
They do not like huge balances as they think sooner or later you will go to CCC and stop payments.
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Citibank wants me and my family to starve!
Posted by on
I opened a new account over the phone with Citibank, I just recently moved to Los Angeles from NYC and my original bank was with an institution based in New York, so I decided to close that account and re-open another account I made with Citibank. Everything went well, I received my debit card in the mail and decided to deposit my 1st paycheck in the ATM. Note that my employer has a business checking account with B of A and are only able at the moment to fund my checks through this account until they are able to establish a payroll system.

I went to withdraw the available balance which was $200 and the ATM says they were unable to perform that action. This was Monday. Tuesday I went into my local branch which was the Little Tokyo location on 1st street. I explained to them my situation and they told me there was nothing I can do I have to call the call center and finish the verification process through the mail. I found that UN-ACCEPTABLE! I am standing here in person with a valid driver's license, a SS card, birth certificate, and mail FROM Citibank and you can not verify me?

I called the New Accounts Support call center and I was told that I should be able to withdraw from my account if I brought my SS card and debit card to the branch. The branch explains to me that it is up to a manager to perform that transaction and low and behold, they don't have a manager at the location. I will have to visit another branch. I called the Chinatown branch, and they explained to me that they ALSO WOULD NOT be able to perform that transaction because I need to verify myself through the main office.

So now my account is blocked. The call center tells me to close my account OVER THE PHONE and they will mail me a check for the amount in my account. What they are not understanding is I have absolutely NO FUNDS at all to survive. I told them I have no money to feed my family until I can withdraw from my account. I signed up for this account with NY ID and my Los Angeles Address. If this was going to be a problem they should have stated so over the phone when I first setup the account instead of holding my money hostage! If I was trying to commit Identity Fraud why am I crying the branch from the humiliation of explaining to the personal banker that I don't having any money to feed my family and I need to withdraw right now! I live 2 blocks from the branch in a well known luxury apartment complex. This is absolutely ridiculous that I have to fight over the phone and in person to withdraw $200! And to top it off one the call center reps hung up on me! I've tried to keep my composure in reference to this situation but it's hard to do that when you don't have food in your stomach!

I ABSOLUTELY DO NOT RECOMMEND CITIBANK TO ANYONE WHAT SO EVER! THEIR CUSTOMER SERVICE IS ABYSMAL! YOU DO NOT TREAT PEOPLE THIS WAY!
     
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Anonymous on 2009-10-16:
It sounds like any bank would do the same thing if you opened an account by phone with a New York ID, and a Los Angeles address.
BEJ on 2009-10-16:
I find it hard to believe that you made no provisions for yourself for cash before moving. Why would you leave yourself without funds? Do you have a credit card that you ca buy groceries with?
Ponie on 2009-10-16:
I've always found the best way to open a new account is go to the bank in person. Since you live just two blocks away, why use the telephone? I'm in agreement with BEJ. You move across country and don't keep enough cash to see you through the first couple of weeks/months? Poor planning.
FUCitibank on 2009-10-17:
You guys do have a point, but your opinion is a little off.

As everyone knows moving is costly. I do admit I'm guilty of overextending my finances for this move. But, that's not the subject at hand. The real purpose of this complaint is the lack of training and employee resources at Citibank.

Citibank advertises that opening an account online or over the phone is easier than "waiting in line" at the branch. I have so many things going on with my new job and my family I had no time to take care of this errand in person. I work all the way in Orange County and because I car pool in everyday I don't get home until after Citibank closes. I explained to the cust rep my situation of moving when I started my account and was not warned of the consequences. I'm sorry that all the previous commenters have decided to berate my situation, and find me "guilty" in their opinions. But I will not let that deter me from what is right.

Citibank should have told me that my NY ID and LA address was going to be a problem, instead of taking my money and asking questions later. Also, my first visit to branch, they did not help at all. They did not explain what was wrong. They said I needed to call the call center which I did, and the call center told me all I had to due to withdraw was bring my SS card and debit card to the teller and I will eligible to withdraw. Why was the branch tell me there is nothing that they can do, and the call center stating that they can release my money. If the branch were to have explain to me the correct procedures then this complaint would have never been posted. The only time I received the correct info on how to proceed was when I went to another branch and spoke with a manager there. The first branch couldn't and didn't want to rectify the situation because they are not trained in the proper procedures for handling new accounts that were processed by phone/online.

So am I at fault for the lack of training of Citibank's employees? Before you throw in your "3 cents" be open minded and ask, don't base your judgments on a summary of my event. I actually don't think anyone can feel the real pain of my situation unless they've walked in my shoes.
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Not for the Average Person -- Even After Their Bailout!
Posted by on
When I went to the ATM on the day my direct deposit cleared into my account, I found that my debit card was useless and my account was blocked. I called the 800-number and was instructed to go to a branch to have it cleared up. When I did, I was directed to one of the associates, who told me the block was due to an overdraft, and that it was up to the bank manager at the bank where I opened the account. She called the bank, and allegedly spoke to the manager, who said he would call me back by lunchtime. The representative then proceeded to laugh at me and said, "You'll be very lucky if you get any of your money back...we don't have to clear up this block, it is only a courtesy if we do."

I went immediately to the branch where I opened the account, and the manager told me he never spoke to anyone about me. He reviewed my account and closed it, and said that within 24 hours the block would be off and I could get my money back. I asked him why 24 hrs, he said it was bank policy. I asked to see where it was written, and he handed me some customer guidelines. He said he would call me the next day to let me know what time my check would be available.

This was last Thursday, and it is now Tuesday, and I haven't heard a spit from him. I have left so many messages for him I could probably be accused of stalking. I have spoken to so many different reps at the 800-number, who: (a) say things completely different from each other, (b) refuse to give me the direct line to the branch, and (c) refuse to take any complaints online, saying I have to complain at the branch.

How do I complain about the branch manager TO the branch manager?

On top of that, one nice representative told me that he should have explained that it would be an additional 24-48 hrs before my money is issued. Translation: I may very well not see my money until next pay period, two weeks after the check was directly deposited. Why? All I am told is "it is bank policy." Is any of it in the little customer guidelines pamphlet he gave me? The answer is a big, fat, NO.

This company is so inept. The reps on the 800-service are sometimes so difficult to understand, they are rude, and tell you twenty different things. I have never had anyone speak to me the way that representative in the branch did that day. I've filed a complaint with BBB, and I'm going to the banking commission. And I'm still waiting for my money to be returned. It is such a disgrace that this company got bailed out and this is how they treat their customers -- I had been a Citibank customer for 15 years. What a disappointment!
     
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madconsumer on 2009-06-30:
"...the block was due to an overdraft, ..."


a block over 1 over draft? something is not being told here.
goduke on 2009-06-30:
Got a nice letter (invitation) from Citibank in the mail yesterday. Anyone want to take a crack at how long it took to get it to the shredder?

Sorry you're having such a problem getting your own money out. You may want to contact the Federal Reserve:

http://www.federalreserveconsumerhelp.gov/complaintinfo.cfm?info=1

They might be able to get you some traction on a resolution.
Anonymous on 2009-06-30:
I do hope you have expired the direct deposit option through the payroll department and have let them know that it will not go through due to your account being closed. if not, this could mess things up even worse for you and you may incur an additional delay in getting your next paycheck.
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Customer Service Nightmare, Plus Harassment
Posted by on
MICHIGAN -- I bought my vehicle approx 3 years ago and Citi financial auto is my lender. At first things started out fine, your typical auto loan.....that was until the six month mark when I changed insurances which also so happens to be the time that I needed to turn in a new insurance binder to Citi. I sent this company copies of my insurance binder SEVERAL times and yet they still did not get the copy, OK we are talking faxes here, not snail mail. I would verify the number and everything but always they would loose it. Even more maddening was dealing with different people every day, some who are not at all nice. The straw that broke the camels back came when I received a notice that my vehicle was going to be repossessed if I didn't pony up the money for my car payment. I hit the roof and immediately called Citi. There response was that because I had no insurance on the vehicle they had put on their own insurance, tacked on thousands of dollars in premiums which only covered the minimums and was significantly more than the full coverage I already had on the car.

As it turns out the payment every month had gone to pay my insurance premium and what ever that was left was applied then to my regular payment. I had late fees as well as a late payments reported to credit reporting agencies. Add to that the constant phone calls every day, all day. I started counting them on my caller ID and many times in excess of 10 per day. I would even tell them that I was in the process of resolving the issue and just like some brain dead twit the operator would come back and say "OK, but until it is we will still have no choice to continue the calls". Is there anything else I can do to help you today?" Yeah how about get me someone on the phone with a brain who I can talk to and get this resolved!!!

It took MONTHS to resolve just this issue, which is one of MANY. It finally was taken care of when I was sitting in the office of my insurance company with one of the agents and had Citi on conference phone. I told the operator to give me the number of the fax machine within their eye site and to not get off the phone with us until she had the binder in her hand and could read exactly what it said. I also requested her name too. I thought that all was said and done and finally I was set, WRONG. Because I was switching my insurance at the time the old binder expired I had to go back to my old insurance carrier and have them pull up a copy of my the binder proving that I did indeed have insurance for 1 day because when I switched the insurance it was in the afternoon and so they entered it the next day.

After that ordeal I have dealt with "customer service reps" (I don't think they know what the customer service part means) calling me and being downright rude saying that I was late on my auto loan that I just paid, on time! After he called me a lier and belittled me I finally asked him what kind of a vehicle I had. He said a Jeep Grand Cherokee......
With the minute amount of restraint that I still had I explained to him that I have a Chevy Blazer. He then became quiet and looked through his records. He had the records of a different person. At least he apologized, but the damage was already done.

I would classify Citi financial auto as being nothing better than legalized loan sharking. The customer service is horrible and the companies loan practices are borderline unethical if not totally illegal. Do not go through this company and if your loan is sold to them, immediately try and refinance.
     
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madconsumer on 2008-06-10:
I have purchased 4 new vehicles. I have never had to forawrd the insurance proof to the lender.
cherpep on 2008-06-10:
I also live in Michigan, and always have to provide proof of insurance to the loan provider.
tnchuck100 on 2008-06-10:
This usually only happens when you change insurance companies. When a vehicle is originally financed the insurance information is provided at that time. If it is renewed with the same company each year no problem arises. The glitch comes up when the old insurance company notifies the lender of the lapse in coverage.

When changing companies you should send the old and new insurance information via certified mail/return receipt requested. This creates a paper trail that will allow you to reject any attempt on the lenders part to stick you with their overpriced insurance.
Anonymous on 2008-06-10:
Great comment chuck.

Let me climb onto my soap baox...Never borrow money for a depreciating asset. -- NEVER...EVER.
old fart on 2008-06-10:
Lois.. In theory you are right, however, how many people do you know that can pay cash on the barrel head for a new car?
Financing a car is a necessary evil in this day and age...
Anonymous on 2008-06-10:
I disagree old_fart... One can find cars that run for less than 1000 bucks. Sure they may not have A/C or a radio and the back side window is plywood but it gets you from point 'A' to point 'B' interest free. People are so spoiled today. Biggest financial mistake working people make is spending way too much on their vehicles. If you can't pay cash for that car then you can't afford it. Simple.
old fart on 2008-06-10:
That's also true but how many beaters will you go through in 5 years running on bald tires, with the muffler wired up with coat hangers and drizzling antifreeze, oil and transmission fluid. Don't even consider the repair costs which would probably pay for a newer vehicle..
Anonymous on 2008-06-10:
With all due respect old_fart one would not rack up more in repair costs for an older car then they would in depreciation, full coverage insurance and finance charges on a new car. Even if you had to replace the entire drive train and bobble headed chihuahua in the rear you'd still be thousand of dollars ahead in the long run.
old fart on 2008-06-10:
You'd have to replace the TWEETY air freshener in our car.... big bucks there boy....
DigitalCommando on 2008-06-10:
I think both points are valid. LMD's view is well grounded in reality, but as OF points out, you need the cash up front to do it. For some, financing is the only option because they have credit, but no cash on hand. A study a couple of years back determined this: If you buy a dependable car (not the one you would actually prefer) and pay cash for it. Then take the monthly payments you would have made on a new car and place them in an investment scenario, you would be able to retire at the age of 55 (10 years earlier) and you would have a lump sum of cash as well. The person who financed a new car, had nothing but a depreciated clunker and needs to work an additional 10 years just to maintain the flow and there would be no nest egg at the end. Bottom line: financing cars is the worst trap and financial drain that you could ever place yourself in.
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Horrible Credit Department
Posted by on
Rating: 1/51
SIOUX FALLS, SOUTH DAKOTA -- I applied for the Citibank Advantage MasterCard which has a $450.00 annual fee and they provide you 100K advantage miles as long as you spend $10,000 on the card within 90 days. They also provide you a $200.00 statement credit.

I applied for the card and have a credit alert on my credit report which states that any creditor must call my cell # before issuing credit. I called Citibank to inquire on the status of my application on 5 different cards and they claimed I was denied due to them not verifying my phone #. I faxed them a copy of my cell phone statement indicating it was me, my driver's license #, a brokerage statement showing a $1M dollar account balance, and a pay stub. This was still not acceptable to Citibank credit card processing and I truly felt the people including supervisors were incompetent and some were rude.

I told them where they could shove there credit card and will retain my Platinum American Express Card.
     
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Discrimination Against Women
Posted by on
My husband, the primary card holder, passed away, so I notified Citibank in writing of the fact and requested card be changed to my name. They never answered letter. Next I received letter from a Collection Agency of Estates telling me Citibank denied me the card! There was no balance, always paid card IN FULL every month, good customers. Used card for gas and all car repairs and with old cars, these were considerable amounts. Wrote Citibank how upset I was and never received a letter or a reason! Told them I didn't need their card & would take my business elsewhere. And I have. They have lost a lot of money through me. Poor business management and do not even have business manners. Would never do business with Citibank ever again. I'm using another card & they are benefitting from Citibank's rudeness.
     
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BEJ on 2011-09-01:
From your posting, it sounds like the original card was obtained under his credit score/report. If he was the primary on your all of cards, you may not have had credit in your own name.

Perhaps not having a history of credit in your own name under your social security number made them decide not to extend you credit from their company. It is a shame they chose this route.

Glad you went elsewhere!
NicoleM on 2011-09-01:
I agree with BEJ. Doesn't really sound like they discriminated against you because you were a woman, but they should've provided an explanation.
At Your Service on 2011-09-01:
I agree with the first two posts.

My condolences.
Fufu487 on 2011-09-02:
This has NOTHING to do with you being a woman. Do you have a credit score? This is probably the case if you do not. Did they tell you why they could not extend the card to you? Research these things before you start accusing sexism. It makes you look ignorant.
trmn8r on 2011-09-02:
I don't see where there is discrimination here.

You are to be commended for paying your card in full every month - all CC holders should do that.

Obviously, Citi is not sufficiently impressed by your husband's payment history. The problem could be your credit report/history, or something else (not your sex).

Credit cards are intimately tied to the primary card holder's credit. The fact he has passed, to me, almost means you were applying for a new card with them. His record/credit no longer has an influence.
Mark on 2012-11-23:
My wife has been employed as a nurse with the same hospital employer for 27 years and is never accepted by credit card companies. I've had a checkered employment history and I've never been declined a credit card. No doubt in my mind of discrimination.
Alice on 2013-08-27:
As stated he was " primary". She as a signer would share all obligation and should equally share in the score reflected. Double standards - if hubbie dies - wife has to pay - but if wife wants to keep the card - she's SOL!
George on 2013-08-27:
My wife and I declair equal 50/50 of our business income, 1 have 9 credit cards - she as 3. My score is always at least 5 points hirer even with my few late payments and her 100% clear record.
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Ten day payoff
Posted by on
COPPELL, TEXAS -- For the past 3 weeks I have been trying to contact CitiFinancial auto in Coppell, Texas. That is where my car payments are sent. The address on my account is P. O. Box 9575, Coppell, Tx 75019-9575. I wrote to them and the letter was returned. I got so upset that I shredded it. I called 411 and requested their phone number and the only number I got was 1-800-486-1750. I called numerous times and there is no answer. I guess I will have to stop my payments and perhaps someone will notify me. I haven't received a statement from them in quite some time.
     
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saj80 on 2011-04-14:
If you stop making payments they will repossess your vehicle, so that is not a good option. Contact their federal regulator and file a complaint; regulations were recently changed regarding these types of issues, and creditors now have timelines for providing payoff amounts.
Anonymous on 2011-04-14:
A Google of CitiFinancial brings up this information, they should be able to direct you to the Coppell, TX location:

Call Us

Call 1-800-995-2274 to speak with a representative 24 hours a day, 7 days a week.
Venice09 on 2011-04-14:
Good info, jc.

Stopping payments is not a good idea. As saj said, they will repossess your vehicle. Try other ways to contact them. There are two good suggestions right here.
localgod on 2011-04-19:
It's probably because Citi Financial Auto is now Santander.
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Exchange Rate
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Be careful in using Mastercard for paying your foreign currency transaction, because you don't have idea how much they will charge you in your country rate. I have charge about Rp 8,995 per SGD 1. I have never known that SGD will be so high. In my experience the exchange rate always Rp 7,000 something. I did 2 transaction in same time, for 1 transaction was using right rate (about Rp 7,138) but the other with Rp 8,995. How come the rate fluctuated about Rp 2,000 in a few minutes. I called Citibank but I didn't satisfy with they answer. They said I can't complain about the exchange rate, I have to just received whatever they charge. So with the experience, I think I will never use Mastercard again for all my foreign exchange transaction.

Its kind of I buy something without knowing how much they will charge me.
     
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Alain on 2011-04-10:
Currency exchange rate sites such as x-rates.com, xe.com/ucc, finance.yahoo/currency or exchangerate.com might be helpful to you. As to what you'll be charged for the transaction, you'll have to check with Citibank. Since their response hasn't been satisfactory, you may want to get a Visa or MasterCard from a different company.
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