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 Citibank Still Expects Me To Pay Even Though I Dont Receive A Statement
Posted Thu March 2, 2006, by James Z. written to Citibank N A
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I signed up with a 0% interest until 12/2006 credit card with Citicard in 10/2006.
On 2/28/2006, I received phone calls from Citicard collections about late payment. I told the rep that I had not received any statement for the month. She told me that I had elected to have electronic statement only. I told her that I had never signed anything to only receive electronic statement, and I would not have done so if given the choice. The rep canceled my electronic statement option, and put in request to send me a new statement. But she told me that she could not refund me finance charge and late fee until I make the payment.
I made the payment with Chase on the same day. On 3/1/2006, I checked with Chase, and the payment was cleared. I called back, but was told that the payment was not cleared yet for Citicard, and I would need to call back again.
I called back again on 3/2/2006. This time the rep told me that the payment cleared, but she would need to send the request for refund. She said it would take 2 more days, and I would need to call back again.
In all, I have spent over 10 hours on the phone with various Citibank representatives, and wasted even more time try to get this resolved. When asked why my account was switched to electronic statement only, no one could answer me from Citicard. They could not find any records of it either.
Basically Citicard tried to save some money and switched me to electronic statement without my consent, then refuse to resolve the issue.
Citibank need to refund $206.05 late feed and finance charge, and make sure I am back on the 0% promotion rate.
They also need to compensate for my loss of time to resolve this issue.
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by lb1103 Posted Sat March 4, 2006 @ 11:01 AM
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Regardless of whether you've received a bill, you should know when
your bills are due. tough.
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by Cor H Posted Fri March 3, 2006 @ 7:02 AM
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My bank had a pop-up when I went online one day regarding electronic
notifications. Upon reading further, I discovered that it would
switch me from paper statements to electronic ones. I didn't click on
it.
Something similar may have happened here. People are so quick to
click, click, click online that they don't bother to fully read what
they're agreeing to and then deny it later.
In any event, it appears that it's being taken care of so I don't
understand the point of the letter unless the writer is tired of
complaining to people on the phone and wants to continue by writing.
They are not going to compensate you for your time. You know you have
a bill coming. If you don't receive it at the usual time, it's a good
idea to contact them and find out why before it's too late.
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by ccrawford5 Posted Fri March 3, 2006 @ 1:36 AM
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Most creditors and other institutions only send paper statements as a
courtesy. Just because you did not receive a statement does not mean
you do not have to pay the bill. You, and you alone are responsible
for managing and keeping track of your finances. You failed to do so.
That's why this happened. You should have kept track of how much you
charged and paid the balance. If you wern't sure of it and an
inordinate amount of time passed, you should have called.
They are being VERY generous about refunding you anything.
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by Venice Posted Fri March 3, 2006 @ 12:35 AM
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It really makes me laugh when someone asks for compensation for loss
of time. If I could be compensated or get back all the time in my
life I've lost due to the mistakes of others, I'd either be a wealthy
woman or live forever.
I'm not convinced you didn't somehow inadvertently request electronic
statement only. I could see that happening. However, if I understand
your letter correctly, Citibank has agreed to refund the late fee and
finance charge, but you haven't yet received it. You were told on
March 2nd that it would take two more days. So why are you writing
this letter?
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I agree
by mary jo Fri March 3, 2006 @ 9:10 AM
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