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responsible and consistent

August 11, 2004

Citibank Customer Service
P.O. Box 6500
Sioux Falls, SD 57117

To Whom It May Concern:

I have been a Citibank credit card account holder since 1997. I have destroyed all statements from then until most of 1999. But in almost five years since December 20, 1999, I have record of exactly three late payments incurred between my two credit card accounts xxxx-xxxx-xxxx-xxxx and xxxx-xxxx-xxxx-xxxx; I have had an open balance only five times in the same period on the same accounts.

I bring this to your attention in order to demonstrate the fact that I am a responsible and consistent customer of Citibank.

On August 5th I contacted Citibank's customer service regarding a payment due in July that had not yet been received. The representative I spoke to removed the corresponding late fee and finance charge, and advised me to add the outstanding balance to my August payment. She also stated that Citibank could not have received my original check, was not in possession of it, and implied that I should place a stop payment on it. On August 6th I placed a stop payment on the original check for a bank fee of $27.00. Also on August 6th, my four-week-old check mysteriously appeared on my online statement as being applied to my account.

I find it highly suspect that a month-old check should show up one day after I brought its absence to Citibank's attention. It is for this strange turn of events that I am led to believe the original payment application error was an internal one on Citibank's behalf. I am furious that I have spent my own time and money due to an oversight by Citibank, and have been given a runaround due to poor customer service information. More detailed emails can be found in my customer account correspondence.

I firmly demand a credit of $27.00 to my account as retribution for the bank fee which I believe occurred as a direct result of Citibank's oversight. I believe this is neither unreasonable nor unfair. Given the circumstances of the situation, as well as my years of account in good standing, I trust that you will consider this request in order to continue this business relationship.



Posted on Wednesday, August 11, 2004 at 09:01PM by Registered Commentermdog | Comments3 Comments

Reader Comments (3)

M, it's the name. Mdog? No one's gonna take you seriously. CitiBank is screwing with you.

(I'm kidding.)

I called CitiBank a couple of weeks ago (I haven't made a payment on my credit card in over, oh, many months) to set up a payment plan, and I was told that, "No, as a matter of fact, you made three $600.00 payments in 2003. You're ok."
What? In 2003 I wasn't earning enough to even buy gasoline, let alone make three $600.00 payments!! I told the customer service representative, "Are you sure? Can you check again? I'm positive I didn't make any payments." Yep. She said I didn't owe them anything. Divine intervention? All I know is I didn't pay anyone!
Aug 12, 2004 at 12:48AM | Unregistered CommenterAngie (Nolanut)
damn, that girl can write gripe letters.

well done!
men take note.

although I am noting a definite plethora of bleepity bleep words. trying to make this an adult-only audience?

girl, you go. and will you write a letter to palm, inc, for me about their crappy 90-day warranties and palm pilots that consistently and reliably break after a few months of use? tungsten e, my big toe!

Aug 12, 2004 at 03:14AM | Unregistered Commenterrachel
angie - how about m-diggity-dog? that could work better. [btw, it's okay to use my first name on here.] ;)

rachel - nice. who cares if that girl can pray: she can write gripe letters!

a plethora? really? huh.
Aug 12, 2004 at 09:22AM | Registered Commentermdog

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