• Report: #410801

Complaint Review: Citi Card

  • Submitted: Sun, January 11, 2009
  • Updated: Wed, September 16, 2009

  • Reported By:Saint Clair Missouri
Citi Card
General CorrespondenceCitiBusiness / AAdvantage Jacksonville, Florida U.S.A.
  • Phone: 800-347-4934
  • Web:
  • Category: Loans

Citi Card ,Citi Group Etc, "Credit Protector Ripoff" Athorized users adding but unable to remove services. INVALID CHARGES Jacksonville Florida CitiBusiness / AAdvantage Customer Service Jacksonville Florida

* : Credit Protector is a scam

*UPDATE Employee: The reasoning behind each step of your experience

*UPDATE Employee: The reasoning behind each step of your experience

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My "authorized user" was approached by Citi Card to add "credit protector". Despite this not being allowed. My "authorized user" added this worthless service, and informed me a couple of days later. I informed my "authorized user" that this could not stand, and to remove it yesterday. Credit protector would not allow my authorized user to remove the service because the "authorized user" wasn't the primary card holder. So I called when I noticed it on the bill, which was a couple of months later. They claimed they would take care of it.

A couple of weeks later I got a letter stating it was "valid" and they would not remove the fees. I disputed it again, this time I was going to cancel my account. They said they would take care of it, and again a couple of weeks later I got their smart letter stating they would not remove the fees. I CANCELED my account with them, today, and would never go back..

** I will NOT pay the monies they are requesting for credit protection fees and will deduct it from the over all balance when I reach the end of my paying off period.** PERIOD. We will see how strong their "Authorized to add, but not delete theory holds up in court."

Point..

Citi card was easy to do business with for a couple of years. Something has changed, and I would highly advise against dealing with them in future.

Joshua
Saint Clair, Missouri
U.S.A.

This report was posted on Ripoff Report on 01/11/2009 04:17 PM and is a permanent record located here: http://www.ripoffreport.com/r/Citi-Card/Jacksonville-Florida-32231-4180/Citi-Card-Citi-Group-Etc-Credit-Protector-Ripoff-Athorized-users-adding-but-unable-to-410801. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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0Author 3Consumer 0Employee/Owner
Updates & Rebuttals

#1

Credit Protector is a scam

AUTHOR: Gregory - (U.S.A.)

Credit protector charges a very high price for very little insurance.They have no problem taking your money but it is hard as hell to get them to pay. The reason why they try to shove it down your throat is because they make a ton of money fleecing people, the program is banned in MS and AL, likely because their consumer laws don't allow such scams.
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#2 UPDATE Employee

The reasoning behind each step of your experience

AUTHOR: Stuffedfishie - (U.S.A.)

Credit Protector offers are made by mail or phone call to the contact info on the account, so I'm guessing the authorized user in question was someone who lives with you: roommate, spouse or girlfriend, family member, etc. The call was meant for you, but since the person they spoke with was the auth user, the offer was made to them and you had previously given this person authority to make purchases. A service was offered, they agreed, so the sign up was valid.

Now when you called in to customer service to dispute the addition of credit protector, the customer service agent "took care of it" by sending a referral to a specialist who would listen to a recording of that call in which the auth user signed up for the service. If it turned out that there was insufficient authorization, such as if the person they offered to was not an authorized user or if the person was just trying to get rid of the telemarketer, the specialist would refund the charges. If sufficient authorization was present, the fees would be returned to the account and they send you the letter that the charges are valid. Now you can cancel future credit protector charges, but the ones already billed are valid. Really it sounds more like you should be angry at the authorized user rather than citicards. And regarding the line about court, yes if you tried to go to court, the concept of authorized users is quite precedented and the only issue could be proving if the authorized user really was added by yourself or not, in which Citi would provide the initial application or notes of the phone call in which you added the authorized user. Citi isn't going to worry about taking you to court about the matter, we'll just charge you late fees if you don't want to pay the credit protector charges and report delinquencies to your credit report and eventually charge off the debt as a loss. This would ruin your credit, not really worth protesting $20 or so.

BTW Credit Protector isn't exactly a scam, its an insurance plan in which you pay monthly premiums based on your balance in exchange for the card being paid in the event of unemployment, disability, death, etc.
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#3 UPDATE Employee

The reasoning behind each step of your experience

AUTHOR: Stuffedfishie - (U.S.A.)

Credit Protector offers are made by mail or phone call to the contact info on the account, so I'm guessing the authorized user in question was someone who lives with you: roommate, spouse or girlfriend, family member, etc. The call was meant for you, but since the person they spoke with was the auth user, the offer was made to them and you had previously given this person authority to make purchases. A service was offered, they agreed, so the sign up was valid.

Now when you called in to customer service to dispute the addition of credit protector, the customer service agent "took care of it" by sending a referral to a specialist who would listen to a recording of that call in which the auth user signed up for the service. If it turned out that there was insufficient authorization, such as if the person they offered to was not an authorized user or if the person was just trying to get rid of the telemarketer, the specialist would refund the charges. If sufficient authorization was present, the fees would be returned to the account and they send you the letter that the charges are valid. Now you can cancel future credit protector charges, but the ones already billed are valid. Really it sounds more like you should be angry at the authorized user rather than citicards. And regarding the line about court, yes if you tried to go to court, the concept of authorized users is quite precedented and the only issue could be proving if the authorized user really was added by yourself or not, in which Citi would provide the initial application or notes of the phone call in which you added the authorized user. Citi isn't going to worry about taking you to court about the matter, we'll just charge you late fees if you don't want to pay the credit protector charges and report delinquencies to your credit report and eventually charge off the debt as a loss. This would ruin your credit, not really worth protesting $20 or so.

BTW Credit Protector isn't exactly a scam, its an insurance plan in which you pay monthly premiums based on your balance in exchange for the card being paid in the event of unemployment, disability, death, etc.
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