topic Re: Urgent! HELP!! in Credit Cards

Urgent! HELP!!

Anonymous — Wed, 31 Mar 2010 13:37:12 GMT

Uhhhhhhhh I am so mad and frustrating now !!

I just call my Citi Driver's Edge customer service and spoke with whoever name is John, and he completed transaction of closing on my cc even I told him to not to!! And I spoke with his supervisor in different state, her name is Char, and she tried to remove stop that process but she could not. So I ask her to send the letter to an appropriate department for review. I told her make sure to listen to the recorded tape, I clearly told him to not to complete the transaction until I speak with his supervisor!! She said it takes few days to review and there is nothing guarantee that they are going to let me keep the acct with them.

I want to cry now .... This is my highest Cl of 8.6K ouch!! ><

Addition:

I just sent message via secure online message center. Don't know what is going to happen. I just cross my fingers ...

Re: Urgent! HELP!!

tobey — Wed, 31 Mar 2010 06:12:16 GMT

Heh, looks like he called your bluff. Not sure there's much more you can do at this point.

Re: Urgent! HELP!!

Anonymous — Wed, 31 Mar 2010 09:12:44 GMT

Am I missing something? What lead up to an account closure? Did you request the closure as leverage for something?

If you read these forums, you will see that in almost all instances, telling the CCC to close your account if they won't give you what you ask for (CLI, APR reduced, etc) will result in nothing good.

True, there are some cases that get transferred to a customer retention person or somthing...but this isn't always the case and in the past couple years is not rule, but the exception.

If your account is closed, it is doubtful you can reopen it. Most CCC's require you to reapply once an account is closed. But, you can write a letter of reconsideration or appeal to them and try...you have nothing to lose at this point.

Good luck

Re: Urgent! HELP!!

DI — Wed, 31 Mar 2010 11:00:16 GMT

Unfortunately, now isn't to time for anyone to call customer service for anything if one's financial house isn't in order. Insurers are looking for reasons to close accounts. It seem the customer service rep may have gotten upset with you and decided to close your account in retaliation. I hope you're able to get it reopen.. Citi may require you to reapply for a new one.

Re: Urgent! HELP!!

llecs — Wed, 31 Mar 2010 11:40:34 GMT

OP, I see what you did now:

http://ficoforums.myfico.com/t5/Credit-Cards/Bad-Service-Citi-begin-to-charge-AF-on-my-Citi-Credit-Card/m-p/657211#M210331

Ditto to DI. Never try to bluff any CSR unless the consequences are OK with you. The CSR called it and then closed your account. On the flip side, you save on the annual fee.

If you attempt to reopen it, and some CCCs can do it with some heavy nudging, then call them again and escalate up the chain until you find someone to say "yes". Also visit your local Citi branches to see if a manager can help. I had BofA close an account of mine and a lot of weight was thrown behind a couple of different local managers. I don't know how Citi works, though.

ETA...if there's a balance, PIF ASAP.

Re: Urgent! HELP!!

Anonymous — Wed, 31 Mar 2010 13:38:37 GMT

@llecs wrote:
OP, I see what you did now:

http://ficoforums.myfico.com/t5/Credit-Cards/Bad-Service-Citi-begin-to-charge-AF-on-my-Citi-Credit-Card/m-p/657211#M210331

Ditto to DI. Never try to bluff any CSR unless the consequences are OK with you. The CSR called it and then closed your account. On the flip side, you save on the annual fee.

If you attempt to reopen it, and some CCCs can do it with some heavy nudging, then call them again and escalate up the chain until you find someone to say "yes". Also visit your local Citi branches to see if a manager can help. I had BofA close an account of mine and a lot of weight was thrown behind a couple of different local managers. I don't know how Citi works, though.

ETA...if there's a balance, PIF ASAP.

That csr whoever name is John, he does not speak English as primary language. Most likely he is from somewhere in the world, because of his intonation.

I just call them back and confirmed that my acct is has been closed, and has balance on it. I asked him to transfer me to his supervisor. Then he transferred me to one of account specialist. Her name is Kelly. I explained to her that I called in about more than 6 hrs a go and what was happened, and I could not go to sleep. She ask me am I willing to accept new term of AF, of cause I said "Yes" * I am on holding at this moment.

She came back and told me that she has been reopened my acct for me!! Thank you Ms. Kelly!!

What she did is removed new terms & changes from my acct, and everything back to the same status as before someone closed my acct. She was very understandable of my situation about csr was foreigner and had issue due to the language level. Also, she told me to keep my eyes on the mail, because I may receive a letter from them about new terms & changes in the future.

I do not want to go through this kind of mess again, NEVER!

This was my first most awful experience I ever had. Learn from the mistake!!

Re: Urgent! HELP!!

Anonymous — Wed, 31 Mar 2010 12:55:15 GMT

Ladies and Gentlemen,

Thanks for your help !! I feel much better now.

Re: Urgent! HELP!!

tray — Wed, 31 Mar 2010 23:48:33 GMT

You were very luck I am glad to read this about you, congrats although never be too hasty when you are in a heat of rage, make sure you cool down first and then you will have a better idea of how things will effect you in the long terms of things.

Re: Urgent! HELP!!

pattycake — Thu, 01 Apr 2010 04:05:59 GMT

@tray wrote:
You were very luck I am glad to read this about you, congrats although never be too hasty when you are in a heat of rage, make sure you cool down first and then you will have a better idea of how things will effect you in the long terms of things.

Good words of advice, tray!

Re: Urgent! HELP!!

Anonymous — Tue, 06 Apr 2010 00:00:59 GMT

Up date info on my Citi Driver's Edge MC.

I just received a letter from Citi dated march 31, 2010.

These charges are imposed in connection with your account. Please refer to the enclosed agreement for more information.

Membership Fee : $0 every 12 months

Balance Transfer Fee : 3% Minimum $5.

This account is subject to arbitration.

Please keep this letter for your records. It is part of your agreement with us.

I hope I will not receive any more letter from Citi regarding AF charge.

Re: Urgent! HELP!!

Anonymous — Tue, 06 Apr 2010 00:01:20 GMT

It is hard to trap a bunny rabbit.

Re: Urgent! HELP!!

Anonymous — Tue, 06 Apr 2010 00:06:13 GMT

@Anonymous wrote:
It is hard to trap a bunny rabbit.

Yeah, it was very very very lucky for me !!!!!

I could escape from it, what amazing happen occurred to me !!!!!

Crossing my fingers for no more bad news ...