Originally Posted by
outpaddling
Aloha Craz:
Maybe you work for a card company or maybe you are playing devil's advocate. Just because the T&C's are in print does not make them right or, in my case, make them legal. You are correct that I do not have the T&C's from when I joined Citi over 20 years ago and after millions charged to the card. I'm entitled to my opinion of how top customers should be treated, and Citi crossed the line when closing my account without notice and when owed no money. I was told specifically that they had no way to reverse the duplicate autopay, or put the $24,000 back into my Citibank checking account, and a check was not offered (which would not have worked anyway as you note). As consumers, let's not be slaves to automated systems or boilerplate CTA explanations. If I am not satisfied with a service for valid reasons, I'll demand better and so should all of us.
well for starters no way would I EVER consider what I received even last year be for a Bank act or CC that I opened as still as is yet 20 years ago, the T&Cs change a few times a year. Benefits change ALL the time and when they do,they do send you either in a letter or email notifying you, do I read them NOPE! but if I run a foul of something that has changed since I 1st signed up its My FAULT
I wouldnt expect any CC to beable to have done what you asked for once the payment went out and was received at best a check being cut is all they can do and will do, and that wouldnt have helped you either. Ihave had Chase say No to things that Citi will do and vice versa = everyone needs to find a Bank that will work for them and no 1 bank will work for Everything
Now I dont spend like you do and I Agree Id think Citi might have put a temp hault to the acct till they could have worked things thru, but for all the anger and sort of rightly so on your side of things I cant Believe you didnt say something like "if its not done and done Now then Im done with Citi and Closing everything up!" I say that cause I cant count the times Ive said something like that. All you need is 1 person who doesnt take to that to simply go ahead and close it up, figuring thats 1 way to get even for the way you or I spoke.
Offerring a check should have been done on Citis part but usually its something the customer needs to ask for. Sort of like those CCs with Rebates to them theres a whole trail you need to go down to get it sent out or applied , once (with a non-Citi CC) I spoke to the agent and no doubt she understood that I wanted to get the rebate applied to my acct or sent to me but since I didnt actually mutter those words Nothing was done!
When I called back a few weeks later to see where it was I was told I never asked for anything and they were Correct I didnt I assumed the agent understod me after speaking with them for 20 mins
Now I do agree that Citi should have some failsafe system in place for what they consider good cutomers , which really isnt a person who pays their CC on time every month no matter the amount or who has large deposits that dont yield a ton of FEES. Nor does DYKWIA work as well as it did before the Banks went down for the Count
It could be had you called the branch mgr you deal with or a Banker that they probably could have done something but once the wrench is thrown into the spokes its hard even for them. And my mgr has even told me that his hands are being tied more and more each day
I understand your Frustration since Ive been there and thru it myself, but in the end I did run aground of what I considered their Stupid T&Cs but it was due to my NOT knowing them rather then the Bank gunning after me. Sorry but I cant help but only think you spoke to them no different then I have at times and that they simply did what you said you were going to do BUT not ever having any intent to actually follow with doing.