Citi cards closed, TYP confiscated, reasons not disclosed.
Jul 15, 2013, 11:36 pm
#1396
Join Date: May 2008
Location: BOS/SIN
Programs: SQ
Posts: 2,704
Like others, Citi closed all my credit card accounts in late May due to my Vanilla Reload purchases. I signed up for CreditSesame las year to monitor my credit score (I've been churning for years, I figured that maybe I should watch my credit score a little). I was curious to see what Citi's impact would be on my score. To my surprise, it was the single biggest impact EVER -- and it was positive! I went from 760 to 805 in a month. It's never moved that much in a month. I guess I now have lower credit lines and less debt (of course, I was always paying off those Citi balances monthly).
Weird. I guess suing Citi for "destroying my credit history" wouldn't be a winning argument.
Weird. I guess suing Citi for "destroying my credit history" wouldn't be a winning argument.
Jul 16, 2013, 11:34 am
#1397
Join Date: Apr 2005
Location: NYC
Posts: 1,756
Jul 16, 2013, 4:42 pm
#1398
Join Date: Nov 2007
Programs: Marriott Bonvoy Platinum, Hilton Honors Diamond, Delta Gold
Posts: 4,347
This is totally true. You will usually only get your real credit score by either paying for it or having the bank/lender give it to you after applying for credit or loan. I stopped subscribing to Credit Karma, Sesame, etc. after realizing that the scores they give are not the real thing.
Jul 16, 2013, 5:14 pm
#1399
Join Date: Sep 2008
Location: CTS
Programs: AA:1MM
Posts: 743
This is totally true. You will usually only get your real credit score by either paying for it or having the bank/lender give it to you after applying for credit or loan. I stopped subscribing to Credit Karma, Sesame, etc. after realizing that the scores they give are not the real thing.
For me, the free credit monitoring things are useful to let me know if something bizarre comes up. Just never get confused about the tool. As long as you don't forget what it is (i.e. ignore their claims about it being real, etc.), it remains useful.
Jul 16, 2013, 5:17 pm
#1400
Join Date: Oct 2006
Location: USA
Programs: DL PM, Hyatt Globalist
Posts: 2,367
You can get a free FICO score monthly based on your EQ report if you join Digital Federal Credit Union. Walmart card holders can also receive a free FICO score monthly (based on TU). There is a small CU in Pennsylvania with limited membership that offers a free FICO score based on EX monthly.
Jul 18, 2013, 10:19 am
#1401
Join Date: Dec 2008
Posts: 377
Small Claims Court
I'm assembling my documents and writing my argument to sue Citibank in small claims court. This will be my first time in small claims court, and, based on Citibank's actions and breach of good faith, I'm confident the asshats at Citibank will lose -- if they don't settle with me first.
Out of curiosity, who here is taking Citibank to small claims court?
Out of curiosity, who here is taking Citibank to small claims court?
Jul 18, 2013, 11:06 pm
#1402
Join Date: Sep 2008
Location: CTS
Programs: AA:1MM
Posts: 743
I'm assembling my documents and writing my argument to sue Citibank in small claims court. This will be my first time in small claims court, and, based on Citibank's actions and breach of good faith, I'm confident the asshats at Citibank will lose -- if they don't settle with me first.
Out of curiosity, who here is taking Citibank to small claims court?
Out of curiosity, who here is taking Citibank to small claims court?
Jul 19, 2013, 1:35 am
#1403
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811
Jul 22, 2013, 9:24 am
#1404
Join Date: Sep 2008
Location: CTS
Programs: AA:1MM
Posts: 743
I was just told to pound sand by citi vis-a-vis my AG's attempt to mediate. Have yet to hear back from the AG on it.
Noticeably absent from her letter is a claim that shows the points are forfeit from the contract. Instead, there's the simple assertion that they were forfeit as a result of the account closures.
July 17, 2013
[b]... skipping over personal information ...[b]
We recently received an inquiry on your behalf from the Indiana Attorney General's Office regarding the closure of the above-referenced accounts.
We understand that you are displeased with the closure of your accounts. However, our position remains unchanged. Under the terms and conditions of the agreement that governs the relationship between Citibank and its customers, Citibank maintains the right to "close your account at any time for any reason. We may do so without prior notice to you."
As a result of the account closures, your ThankYou points and Citi Professional Dollars were forfeited. This decision is final and will not be reversed.
We regret we are unable to assist you further.
Sincerely,
Ruth Unruh
Presidential Communications
[b]... skipping over personal information ...[b]
We recently received an inquiry on your behalf from the Indiana Attorney General's Office regarding the closure of the above-referenced accounts.
We understand that you are displeased with the closure of your accounts. However, our position remains unchanged. Under the terms and conditions of the agreement that governs the relationship between Citibank and its customers, Citibank maintains the right to "close your account at any time for any reason. We may do so without prior notice to you."
As a result of the account closures, your ThankYou points and Citi Professional Dollars were forfeited. This decision is final and will not be reversed.
We regret we are unable to assist you further.
Sincerely,
Ruth Unruh
Presidential Communications
Jul 22, 2013, 3:12 pm
#1405
FlyerTalk Evangelist
Join Date: Aug 2009
Location: ZOA, SFO, HKG
Programs: UA 1K 0.9MM, Marriott Gold, HHonors Gold, Hertz PC, SBux Gold, TSA Pre✓
Posts: 13,811
I was just told to pound sand by citi vis-a-vis my AG's attempt to mediate. Have yet to hear back from the AG on it.
Noticeably absent from her letter is a claim that shows the points are forfeit from the contract. Instead, there's the simple assertion that they were forfeit as a result of the account closures.
Noticeably absent from her letter is a claim that shows the points are forfeit from the contract. Instead, there's the simple assertion that they were forfeit as a result of the account closures.
If the AG method works, no court needs to be existed.
Jul 22, 2013, 4:52 pm
#1406
Join Date: Sep 2008
Location: CTS
Programs: AA:1MM
Posts: 743
Jul 25, 2013, 10:14 am
#1408
Join Date: Aug 2009
Location: RDU
Programs: A few
Posts: 5,499
why bother at a rate of 1x when you can do fidelity amex at a rate of 2x in cash? your best case with typ is 1.33% rebate on airfare only. think i'd rather have 2% in cash
Jul 25, 2013, 10:38 am
#1409
Join Date: Oct 2006
Location: USA
Programs: DL PM, Hyatt Globalist
Posts: 2,367
TYP is underwhelming in some ways and the FIA card is great for general spending, but with 5 TYP per $ and no caps for Amazon I find great value in my Citi Forward card. I usually redeem for mortgage checks instead of travel as there are better travel options for my purposes.
Jul 25, 2013, 10:47 am
#1410
Join Date: Aug 2009
Location: RDU
Programs: A few
Posts: 5,499
TYP is underwhelming in some ways and the FIA card is great for general spending, but with 5 TYP per $ and no caps for Amazon I find great value in my Citi Forward card. I usually redeem for mortgage checks instead of travel as there are better travel options for my purposes.