Really angry with Citi - what can I do (goodwill request/removing a baddie because of disaster)

[Cowboys4Life]

---

@oceanbay wrote:

@Anonymous Thanks for your insight.

Just for repetition, who are you to say that's what my situation was? Who are you to say I would't have Paid? Again - the coverage of the FEMA event started one week after I recieved my last statement in the mail. So it wasn't waiting until the last day and by the grace of god it snowed...it was a 10 day period.

And not that it should matter, but this is a 10 year old account, with zero lates, with a $20,000 credit limit. My balance TOTAL was $20. Its not like Im some perpetual payment misser or wracked up some insane debt.

That said - do you have any guidance or advice on what other potential avenues of attempting to connect with Citi I might have? That's really the reason for the thread.

---

If the Executive Office and the CEO of the company have declined to intervene you are out of luck.  No one lower is going to over ride their decision.

[oceanbay]

@Anonymous My automatic payment used for the account (checking) was noted as having fraud by my credit union and my account was locked/closed at the end of Jan, which is why I missed the first one. Obviously, with a new account number, the automatic payments never worked again and I just forgot to change all of my different payment accounts.

This is the last time Im responding to you - I get you feel high and mighty, but before this my credit score was over 800 with zero issues whatsoever. That's why this one thing has me so angry. In fact, my credit score is still over 700, but it should be where it was. I dont need to explain my life or situation to you. I was hoping that people who have experience getting **bleep** like this removed, especially when there is a valid reason of any kind, would be able to chime in and help me understand what actions I can take.

@Cowboys4Life - it was the CS office in TN, not the CEO's office. Is that different?

[Brian_Earl_Spilner]

---

@Cowboys4Life wrote:

---

@oceanbay wrote:

@Anonymous Thanks for your insight.

Just for repetition, who are you to say that's what my situation was? Who are you to say I would't have Paid? Again - the coverage of the FEMA event started one week after I recieved my last statement in the mail. So it wasn't waiting until the last day and by the grace of god it snowed...it was a 10 day period.

And not that it should matter, but this is a 10 year old account, with zero lates, with a $20,000 credit limit. My balance TOTAL was $20. Its not like Im some perpetual payment misser or wracked up some insane debt.

That said - do you have any guidance or advice on what other potential avenues of attempting to connect with Citi I might have? That's really the reason for the thread.

---

If the Executive Office and the CEO of the company have declined to intervene you are out of luck.  No one lower is going to over ride their decision.

---

Basically, this. The only thing you can do is try to appeal with them.

[oceanbay]

@Brian_Earl_Spilner Do you know if the TN "office of the president" CS center is the same as the CEO's office?

Also - I started a dispute with Experian online, uploading documents from the POTUS and the governor stating the declaration of an emergency. Hopefully doesnt hurt my credit further.

[Anonymous]

You need to look back at their disaster amnesty notices and read the fine print. As mentioned upthread, many lenders who put these in place require that an account be in good standing at the time the disaster occurs in order to be able to use them. If an account is in any way not in good standing, which yours was late and therefore wouldn't be considered in good standing, then despite the wrong information from CSRs, Citi would be under no requirement to reverse any of this. The banks look out for themselves first, and such a policy keeps them from eating more fees/debt than they have to.

[oceanbay]

@Anonymous - but they literally removed the late fee - before I even contacted them. 

[FinStar]

A reminder to ensure that all comments need to abide by the Friendly, Supportive and Respectful forum guidelines.  There are no exceptions so let's tone things down a bit.  I would like to keep this thread open/active, but if the discussion starts to head south, the thread will be closed.

Thank you.

-FS

[Brian_Earl_Spilner]

---

@oceanbay wrote:

@Brian_Earl_Spilner Do you know if the TN "office of the president" CS center is the same as the CEO's office?

Also - I started a dispute with Experian online, uploading documents from the POTUS and the governor stating the declaration of an emergency. Hopefully doesnt hurt my credit further.

---

I do not. It's been so long since I've had to contact them.

[FinStar]

---

@oceanbay wrote:

@Brian_Earl_Spilner Do you know if the TN "office of the president" CS center is the same as the CEO's office?

Also - I started a dispute with Experian online, uploading documents from the POTUS and the governor stating the declaration of an emergency. Hopefully doesnt hurt my credit further.

---

The Executive Office for Citi Retail has a few 'hubs' for which a variety of inquiries are handled, so whether it's in TN, SD or elsewhere, it's documented in the same d/b and handled accordingly by case.

[oceanbay]

Got it - @FinStar or others, is there anyway to appeal? Can I just keep disputing this over and over with the credit bereaus? 

My other thought it to take my demand letter, press releases from the governor and the President of the US, and the response letter from the office of the president lady (if she ever does email me - so far, she hasnt) and ask if Citi is truly unwilling to address this given:

- I have 3 accounts with Citi with a combined $65,000 credit limit.

- A 12 year history with the company, with no other lates.

- Was personally impacted by a disaster for more than a week

- The amount owed was a $20 charge, for a $20,000 CC.

- I made a payment in full 3 days after the disaster ended (2 days late).