topic Re: Citi- Who is running that place? Sheesh! in Credit Card Approvals

Citi- Who is running that place? Sheesh! UPDATE

Pikaboo-icu — Fri, 08 Jun 2018 18:17:36 GMT

I am beyond frustrated with Citi..

Have had the Costco card 2 years, request a cli, declined.

Here's the kicker- they're using a report that's very old- had one collection from 2011, that was removed (it was NOT mine).

They cite; Derog for denial.. I call, ask them to please do a HP because their info is old & inaccurate;

They say they CAN'T pull my CR?? HUH?

They now explain I must get all 3 CB's to FAX them info that this neg is not on my report! HUH?

I ask for supervisor that repeats this silliness.

I have to get CB's to PROVE a NEGATIVE? IE: Watermelon is blue inside until you cut it..

Is this really my job?

This is just beyond ridiculous - they could do a hp in seconds, with my blessing but they won't..

I called the EO, spoke to a very nice lady who will have a manual review done and I gave my blessing to do the hp..

**Shaking my head at this** No other company, NONE has refused to do a hp and check my credit...

Perhaps I don't like this card much after-all..

Re: Citi- Who is running that place? Sheesh!

SOGGIE — Thu, 07 Jun 2018 18:57:48 GMT

Am I ever so glad I don't do biz with these guys. I feel for you.

Re: Citi- Who is running that place? Sheesh!

Anonymous — Thu, 07 Jun 2018 19:08:29 GMT

That's some Alice in Wonderland stuff there, and you probably blew their minds asking for a HP. This is what happens when humans no longer have influence over decisions in favor of algos.

You are fortunate that you even know of the existence of the EO, most non MF folks would have probably given up. Good luck on the CLI!

Re: Citi- Who is running that place? Sheesh!

Pikaboo-icu — Thu, 07 Jun 2018 19:12:15 GMT

@Anonymous wrote:
That's some Alice in Wonderland stuff there, and you probably blew their minds asking for a HP. This is what happens when humans no longer have influence over decisions in favor of algos.

You are fortunate that you even know of the existence of the EO, most non MF folks would have probably given up. Good luck on the CLI!

I know right..

I was literally shocked..

True that.. I only know about the EO and recons from reading this forum!!

Thank heaven for My Fico!!

And Thank you, I have my fingers crossed..

Re: Citi- Who is running that place? Sheesh!

AverageJoesCredit — Thu, 07 Jun 2018 19:13:07 GMT

Dang, sorry, I'm not a big fan of Citi either. I can't get a sp cli on my DC for the life of me, heck even a hp is unobtainable. I know that's not much a reason to dislike them but I have a feeling another redaction I tried recently also has met with them seeing my name and tossing it in the reject list. Again sorry to hear about the bad experience.

Re: Citi- Who is running that place? Sheesh!

Pikaboo-icu — Thu, 07 Jun 2018 19:17:58 GMT

@AverageJoesCredit wrote:
Dang, sorry, I'm not a big fan of Citi either. I can't get a sp cli on my DC for the life of me, heck even a hp is unobtainable. I know that's not much a reason to dislike them but I have a feeling another redaction I tried recently also has met with them seeing my name and tossing it in the reject list. Again sorry to hear about the bad experience.

Thanks AJC..

I really like the extras from the Costco Visa for shopping there but I might just start using my NFCU or US Bank Cash card at Costco now.

That entire exchange was surreal.

Citi keeps sending me preapprovals for the Double Cash card, had considered it.. Wouldn't touch it with somebody else's report now.

Re: Citi- Who is running that place? Sheesh!

Brian_Earl_Spilner — Thu, 07 Jun 2018 21:13:54 GMT

I cut ties with them years ago when the EO said they didn't care about my long history with them. I didn't have any baddies, but they wouldnt give me a CLI because my score wasn't where they wanted it to be. I asked if they were willing to risk losing a long time client and brand ambassador (I work for a company they co-brand with). They said yes. "So, your clients are just data, the numbers are the only thing that matters?" She answered yes so I closed my account and won't endorse them or our co-branded product.

Re: Citi- Who is running that place? Sheesh!

Pikaboo-icu — Thu, 07 Jun 2018 21:26:39 GMT

@Brian_Earl_Spilner wrote:
I cut ties with them years ago when the EO said they didn't care about my long history with them. I didn't have any baddies, but they wouldnt give me a CLI because my score wasn't where they wanted it to be. I asked if they were willing to risk losing a long time client and brand ambassador (I work for a company they co-brand with). They said yes. "So, your clients are just data, the numbers are the only thing that matters?" She answered yes so I closed my account and won't endorse them or our co-branded product.

Wow.. I don't even know what to say.. That's really crappy..

Sorry that happened to you.

Re: Citi- Who is running that place? Sheesh!

Anonymous — Thu, 07 Jun 2018 21:38:14 GMT

My days with Citi are long past, but they are on my shortlist of lenders I won’t do business with again. Back when I had them, everything was a hassle, CS was terrible and they were by far the “coldest” lender I dealt with.

Re: Citi- Who is running that place? Sheesh!

sarge12 — Thu, 07 Jun 2018 22:01:13 GMT

I just don't even know what to say about what the OP has posted...and I read earlier about where they requested 4506-T to get card approval. I've not had any issues with them yet, but my antannae is up now...are they trying to be the new Synchrony or Comenity or even going head to head with Credit One maybe? As far as customer service goes, I think AMEX and Discover still lead the pack, although I have not been disappointed with Capital One. Barclaycard and TD bank have both been unimpressive to me. The Chase Amazon Prime Visa Signature card is my absolute favorite card though...buy a lot through Amazon.

Re: Citi- Who is running that place? Sheesh!

Anonymous — Thu, 07 Jun 2018 22:06:31 GMT

I made sure my credit report was spotless before applying for my Citi card because I heard Citi can have some Crap 1 tendencies like bucketing your card in the same credit score you had when you first opened the card. Reading this makes me glad I did. Not cool...

Chase and American Express, on the other hand, are my favorites in customer service right now with Discover in close third. Discover would be triple tied for first, however while they are very nice, they don't budge on a lot of things...and a polite and friendly no is still a no. Chase and AMEX have been killing it with my customer service since I joined them. I rarely hear no from them or hang up feelings PO'd

Re: Citi- Who is running that place? Sheesh!

Brian_Earl_Spilner — Thu, 07 Jun 2018 23:49:57 GMT

Meh. I still have a bad taste about Amex as well. They had to overnight me a replacement gold card and it kept going to someone other than me. The CSR accused me of fraud when someone tried to use it at a gas station. On the final attempt, my neighbor brought it over to me when it was delivered to them instead.

Re: Citi- Who is running that place? Sheesh!

Brian_Earl_Spilner — Fri, 08 Jun 2018 00:03:06 GMT

@Pikaboo-icu wrote:
@Brian_Earl_Spilner wrote:
I cut ties with them years ago when the EO said they didn't care about my long history with them. I didn't have any baddies, but they wouldnt give me a CLI because my score wasn't where they wanted it to be. I asked if they were willing to risk losing a long time client and brand ambassador (I work for a company they co-brand with). They said yes. "So, your clients are just data, the numbers are the only thing that matters?" She answered yes so I closed my account and won't endorse them or our co-branded product.

Wow.. I don't even know what to say.. That's really crappy..
Sorry that happened to you.

I shouldn't have closed it as it was one of my older cards, but I felt offended and now it was about principle.lol. it is what it is. I'll get another Citi card one day, but I'm not in a rush to.

Re: Citi- Who is running that place? Sheesh!

Anonymous — Fri, 08 Jun 2018 01:33:44 GMT

@SOGGIE wrote:
Am I ever so glad I don't do biz with these guys. I feel for you.

Ditto. Between things like this and their political agenda I'm feeling pretty good about ditching the only card I had with them.

Re: Citi- Who is running that place? Sheesh!

Pikaboo-icu — Fri, 08 Jun 2018 20:21:30 GMT

UPDATE:

As I posted I contacted the EO with my issues, they were so nice.

I woke this morning to an alert of a HP on EX which I had given my blessing to do, good news is: they increased my credit limit to exactly what I requested!

Twas a $5000. increase (I was still at my SL of $2000. so it's my first cli with citi, I'm happy.)

Few of my DP's: scores are in my siggy

3 inq each CB

No baddies & zero lates.

UTI < 3% over all cards

My AAOA is not so good at 1.5 years as I opened a PenFed Promise Visa very recently.

Moral is Recons & EO calls ARE definitely worth doing..

Thanks again to My Fico & all you great peeps for teaching me this valuable lesson!!!

CHEERS all...

Re: Citi- Who is running that place? Sheesh!

JoeLuvsHisCredit — Sat, 09 Jun 2018 05:57:52 GMT

@Pikaboo-icu wrote:
UPDATE:

As I posted I contacted the EO with my issues, they were so nice.
I woke this morning to an alert of a HP on EX which I had given my blessing to do, good news is: they increased my credit limit to exactly what I requested!
Twas a $5000. increase (I was still at my SL of $2000. so it's my first cli with citi, I'm happy.)

Few of my DP's: scores are in my siggy
3 inq each CB
No baddies & zero lates.
UTI < 3% over all cards
My AAOA is not so good at 1.5 years as I opened a PenFed Promise Visa very recently.

Moral is Recons & EO calls ARE definitely worth doing..
Thanks again to My Fico & all you great peeps for teaching me this valuable lesson!!!

CHEERS all...

CONGRATS

Re: Citi- Who is running that place? Sheesh!

Anonymous — Sat, 09 Jun 2018 14:13:02 GMT

Congratulations on not giving up!

Re: Citi- Who is running that place? Sheesh!

AverageJoesCredit — Sat, 09 Jun 2018 14:40:23 GMT

Congrats on the increase