Citicards Complaint - Citi Cards cheating Customers
THE LAKES, NEVADA -- Citi Targetting Customers paying in full on time. If there is any Class Action Suit on Citi for this behaviour please contact me I would gladly be part of this to stop a Monster organisation like Citi from messing with Hard working tax-paying folks.
I have a Citi Card for the last 12 years, I have had a clean history always paid in full. I missed a payment last month ( Due date: Sept 28th). Within 6 days of being late they froze my account. I called them ( Oct 6th ) and told the customer service representative that I had made the payment, she said that moment they received the payment the card will be activated and will not affect my credit history of any kind but they will charge me the finance charge and interest ( which I contested but they did not budge, I guess thats how they make money these days). My payment was posted on Oct 9th and card activated. On Nov 1st ( after 20 days of my payment in full) out of the blue they reduce my credit limit to 200$ from 1000\'s. I had called the customer service on October 6th and October 23rd ( to dipute the charge which was turned down which is fine) and in all the calls made I have asked the respresentative
whether my card is being affected and the answer has been no, it is reinstated without any issues. Since the last 2 days I have been calling them to have it reinstated so it does not affect my credit history but all the representatives that I have spoken to have been rude, I could care less attitude and have refused to reinstate my credit limit back. I cannot understand the logic of reducing the limit and messing a credit history of a person for one late payment that was paid in full the moment it was bought to my attention. I am looking for any sort of help I can get in disputing this and making sure Citi Cards does not do this to other hard working tax paying people. The representative that I spoke
to said that my limit was dropped because my account was delinquent. I checked my history thro a credit agency, far from being delinquent its in excellent shape and have not received any notice from Citi about my delinquency. I heard the financial industry has been regulated but this kind of messing with peoples life need to be stopped. Please stay away from Citi Cards. Of all the credit cards that I have had Citi cards has been the worst. The policies are the worst and the customer service 1 notch lower than their policy( The representatives don't know about the customer accounts, don't care and when question outright lie to justify the policy).
They have dropped the credit Limit from 1000s to 200$ for one offense. This will affect my credit hostory which I have worked hard to build. They have also charged me 100$ in finance charges and interest which looks inconsequential comparaed to what they will be doing to my credit hostory