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Claimant's opinion: Charged excessive balance transfer feesCalled a "doozy" by a supervisor during transfer callAuthorized user's card sent to wrong addresses
Claimant's opinion: Given inaccurate balances on accountsItems that had posted were listed as not posted by representatives that did not know what they were doing
Claimant's opinion: Charged balance transfer fees more than the 3% or $5.00 according to policyRefunded after I brought it to the attention of the managers who tried to "excuse" the incidents each time.
Claimant's opinion: I feel singled out due to the fact that I kept up with my accounts and found so many errors.
There are a lot of moving parts here - you need to add much more specific detail (NOT account numbers!) Citibank is not without fault - it just paid $100 million in fines for LIBOR manipulation. Then it was assessed $35 million in fines for "deceptive marketing, unfair billing practices and deceptive collection practices." It also had to reimburse its customers some $700 million.
That, however, does NOT mean you're automatically entitled to anything you claim. Financial complaints must be extremely specific if any wrongdoing is to be alleged and proved.
1) If you were overcharged for balance transfer fees, which would indeed be bad, you should detail the amount, the date, the advertised fee, the fee actually charged, and the date of the reimbursement. Quite a number of agencies are interested in any such overcharges.
2) Lost checks: that might happen once but not usually more often. It's much better to pay online so that you have confirmation, or set up free bill pay through your bank so that they mail it in plenty of time. A company will usually forgive an occasional late payment because things do happen. Were any checks lost AFTER you started getting proof of mailing? They would not be aware that you had that.
3) Authorized user card: This is a common problem - bank reps will vaguely say the card will be sent right out and then it takes days to be generated and mailed. You should request that tapes be pulled of the CS conversation. If CS did promise that you'd get the card in 24 hours or whatever, you might have a case. If they didn't make a specific promise, then you don't.
4) Forgiveness of loan balance: This, I suspect, is where you lost the interest of the CFPB. Of course you'd be willing to close your account if they forgave the balance - anyone who carries a balance on their card would! Citibank is not obliged to take you or keep you as a customer. In fact, having spent a lot of time and money dealing with regulatory complaints (yes, dealing with complaints costs money) they were probably delighted to lose you.
I suspect that you have been misled by people who give really bad advice about the "1%" etc. and negotiating credit card debt forgiveness. There is a huge amount of misinformation out there,
I'm sorry if this seems harsh, but you seem like a nice person who is struggling with credit. I would not be doing you any favors to encourage you to file legal action where you don't have a good case. I would strongly suggest adding concrete information where possible and letting the rest go. You might want to ask Citibank to reopen your accounts, but without threats.
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