Reply
Established Contributor
swpopham
Posts: 554
Registered: ‎06-02-2012
0

Citi bank esclations!

[ Edited ]

Called to close my account, told the lady that the limit was too low to be usable. Shed said you need to call this number before we close it. 800-444-2568. So last night I called and it is the retention department. Spoke to a nice lady who asked what limit I was looking for and I said 20k match my nfcu or csp limit. She said okay Ill call you back in 30 min or less. Well today at noon I still havent heard from her so I called back. I was told it was declined. The lady was rude. I went to her supervisor and he transfered me over to the presidental office. I told the lady from the presidental office that it was sad that even the reps wouldnt tell you why you were declined. she said Mr. Popham your CRA-equifax is frozen and I cant soft or hard pull you. I said why did i have to sit on hold for 40 min to get tihs simple explaination? she assured me it would be addressed and waited for me to unfreeze equifax and said she would call me personally in 24-72 hours also.

 

I figured what the heck its been 6 statements since the card was open and I have given them about 12k in business

 

edit by webhopper

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Community Leader
Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
0

Re: Citi bank esclations!


swpopham wrote:

Called to close my account, told the indian lady that the limit was too low to be usable. Shed said you need to call this number before we close it. 800-444-2568. So last night I called and it is the retention department. Spoke to a nice lady who asked what limit I was looking for and I said 20k match my nfcu or csp limit. She said okay Ill call you back in 30 min or less. Well today at noon I still havent heard from her so I called back. I was told it was declined. The lady was rude. I went to her supervisor and he transfered me over to the presidental office. I told the lady from the presidental office that it was sad that even their american reps wouldnt tell you why you were declined. she said Mr. Popham your CRA-equifax is frozen and I cant soft or hard pull you. I said why did i have to sit on hold for 40 min to get tihs simple explaination? she assured me it would be addressed and waited for me to unfreeze equifax and said she would call me personally in 24-72 hours also.

 

I figured what the heck its been 6 statements since the card was open and I have given them about 12k in business


Sorry for the bad experience but hopefully they will make it right. Good luck

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Citi bank esclations!

[ Edited ]

swpopham wrote:

Called to close my account, told the lady that the limit was too low to be usable. Shed said you need to call this number before we close it. 800-444-2568. So last night I called and it is the retention department. Spoke to a nice lady who asked what limit I was looking for and I said 20k match my nfcu or csp limit. She said okay Ill call you back in 30 min or less. Well today at noon I still havent heard from her so I called back. I was told it was declined. The lady was rude. I went to her supervisor and he transfered me over to the presidental office. I told the lady from the presidental office that it was sad that even the reps wouldnt tell you why you were declined. she said Mr. Popham your CRA-equifax is frozen and I cant soft or hard pull you. I said why did i have to sit on hold for 40 min to get tihs simple explaination? she assured me it would be addressed and waited for me to unfreeze equifax and said she would call me personally in 24-72 hours also.

 

I figured what the heck its been 6 statements since the card was open and I have given them about 12k in business

 

edit by webhopper


If your asking for a CLI why would you leave your files frozen?? :smileyindifferent:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
Scuba
Posts: 455
Registered: ‎06-08-2008
0

Re: Citi bank escalations!

In all fairness, I keep all 3 reports frozen too for that very reason . . . let me explain.

 

You can have a frozen file and they can still see the data and grant a CLI if their policy allows it.  I know this because I ask for a CLI from BOA every quarter and when they turn me down (due to past tardiness not frozen file) they send me my EX FICO and my report is frozen.  BOA is my PSECU for EX! 

 

The wise part about keeping the report frozen when you talk to a Citi rep is they will say they will not pull a hard and then fib to you and try to pull a hard inquiry but a locked file stops them.

 

Wise swpopham, very wise.....

Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Citi bank escalations!


Scuba wrote:

In all fairness, I keep all 3 reports frozen too for that very reason . . . let me explain.

 

You can have a frozen file and they can still see the data and grant a CLI if their policy allows it.  I know this because I ask for a CLI from BOA every quarter and when they turn me down (due to past tardiness not frozen file) they send me my EX FICO and my report is frozen.  BOA is my PSECU for EX! 

 

The wise part about keeping the report frozen when you talk to a Citi rep is they will say they will not pull a hard and then fib to you and try to pull a hard inquiry but a locked file stops them.

 

Wise swpopham, very wise.....


I understand the reasoning but you cant be pissed when they cant pull your file because of it. Not gonna get into the freeze debate again but IMO it just doesn't make much sense to get all riled up about something if you know your files are frozen and are asking for new credit.

 

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
dddewdrop
Posts: 1,060
Registered: ‎02-06-2013
0

Re: Citi bank escalations!

CIti is somewhat notorious for bad customer service. I tend to agree with LS. If you want your account closed  then close it. If you want a CLI unfreeze your reports before requestiing for your best chance at being approved.. I don't find anything wrong with you escalating the situation when they were rude to you however.

0/10001100/13001346/16001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632...Link to my Rebuild Log
Valued Contributor
indiolatino61
Posts: 1,483
Registered: ‎11-10-2012
0

Re: Citi bank esclations!


swpopham wrote:

Called to close my account, told the lady that the limit was too low to be usable. Shed said you need to call this number before we close it. 800-444-2568. So last night I called and it is the retention department. Spoke to a nice lady who asked what limit I was looking for and I said 20k match my nfcu or csp limit. She said okay Ill call you back in 30 min or less. Well today at noon I still havent heard from her so I called back. I was told it was declined. The lady was rude. I went to her supervisor and he transfered me over to the presidental office. I told the lady from the presidental office that it was sad that even the reps wouldnt tell you why you were declined. she said Mr. Popham your CRA-equifax is frozen and I cant soft or hard pull you. I said why did i have to sit on hold for 40 min to get tihs simple explaination? she assured me it would be addressed and waited for me to unfreeze equifax and said she would call me personally in 24-72 hours also.

 

I figured what the heck its been 6 statements since the card was open and I have given them about 12k in business

 

edit by webhopper


Well, I hope everything comes out right for you. Good luck!

 photo Logo-CreditCardCollection-DataInclusive_zpsf395b751.jpg
Super Contributor
enharu
Posts: 7,132
Registered: ‎02-27-2013
0

Re: Citi bank escalations!


LS2982 wrote:

Scuba wrote:

In all fairness, I keep all 3 reports frozen too for that very reason . . . let me explain.

 

You can have a frozen file and they can still see the data and grant a CLI if their policy allows it.  I know this because I ask for a CLI from BOA every quarter and when they turn me down (due to past tardiness not frozen file) they send me my EX FICO and my report is frozen.  BOA is my PSECU for EX! 

 

The wise part about keeping the report frozen when you talk to a Citi rep is they will say they will not pull a hard and then fib to you and try to pull a hard inquiry but a locked file stops them.

 

Wise swpopham, very wise.....


I understand the reasoning but you cant be pissed when they cant pull your file because of it. Not gonna get into the freeze debate again but IMO it just doesn't make much sense to get all riled up about something if you know your files are frozen and are asking for new credit.

 

 


+1 to what LS said.

 

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}