• Report: #960359

Complaint Review: Citi and Credit Protector Collusion

  • Submitted: Fri, October 26, 2012
  • Updated: Mon, June 30, 2014

  • Reported By: Johan — Bronx New York United States of America
Citi and Credit Protector Collusion
1500 Boltonfield Street Columbus, Ohio United States of America

Citi and Credit Protector Collusion citi, citicards, citibank, and unfair business practices against consumers Columbus, Ohio

*Consumer Comment: Citi Bank Refund & Restitution

*Consumer Suggestion: Solution

*Author of original report: Follow -Up

*Consumer Comment: **Same situation**

*Author of original report: No sympathy expected

*Consumer Comment: Incredible!

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Evidently I am being charged for a service I did not authorize or request by Credit Protector for my Citi creditcard account. After calling Citi to dispute the charges, I was transferred to Credit Protector, which happens to be a vendor of Citi. They advised that they have been billing my account since 2007 and I have paid over $1400 since then. I was informed that the charges will be stopped. I had to request that they refund the entire amount billed to me.   Since I have always paid the card online I never noticed the charges. In 2009 citi tried to raise the interest rate on my account from single digits to more than double the amount. I opted to close the account with the existing balace. Although my account has been closed since 2009 they continued to allow Credit Protector to bill this account. I cannot imagine them allowing another company to charge a closed account. Citi has only agreed to NOTE that I categorize these transactions as fraud but will not investigate. Since Credit Protector is a vendor of theirs they will leave it up to them to rectify.

I've filed a complaint with the consumer finance protection bureau and Citi's claim was that I verbally authorized the transaction. No response yet on why and how a closed account was charged.

I deserve a full refund, the collusion between citi and their vendor is unfair to consumers. At the very least they should refund the amount paid after the account was closed.

By the way, the billing address Credit Protector had on file for me was over 5 years old.

This report was posted on Ripoff Report on 10/26/2012 06:05 AM and is a permanent record located here: http://www.ripoffreport.com/r/Citi-and-Credit-Protector-Collusion/Columbus-Ohio-Columbus/Citi-and-Credit-Protector-Collusion-citi-citicards-citibank-and-unfair-business-practic-960359. 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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REBUTTALS & REPLIES:
2Author 4Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Citi Bank Refund & Restitution

AUTHOR: ENOUGH IS ENOUGH 777 - ()

I would like to begin and add that I whole heartedly agree with the Author of this report that all individuals who have been victimized by this ordeal should be fully refunded and granted reimbursement and restitution for the entire applicable time from when the service allegedly began; up until the time when the billing had actually ceased. This would entail a means of determining how many payments had been made in total from the date the service began up until the date when it had supposedly discontinued. Additionally, it would seem appropriate and justifiable for the company/s to be held accountable for paying punitive damages, accrued interest, and/or any other reasonably applicable forms of restitution.

I went with a family member, (that I provide care for), who received one of these checks as well and went to the bank with them. Before going we read the letter with the attached check In Depth and found no apparent scam, malicious intent, hidden agenda, stipulations, agreements, and so on and so on... Of Course, we still had some concerns and inquiries so we just gave them a call using a blocked phone number prior to entering the bank. Upon speaking with a representative, we were assured that the checks were valid and that they were in the process of making restitution. This placed my relative more at ease and was the determining factor for her to proceed with cashing the check. They were able to cash it without a hitch. That is the Absolute TRUTH!!! 

What I would suggest is scanning the letter and the attached check making certain that all the Bar Codes and Content of the letter are clearly visible. Then make multiple copies and store them in different locations in order to cover your back side. Additionally, if they were up to some kind of scam, the copies could easily be used as an instrument to implicate themselves. 

Further, I told my relative; "the worst thing that the bank could say to you is just NO; we can't cash this". "Nothing Ventured, Nothing Gained". Be Grateful and Thank GOD for such a wonderful unexpected Blessing. How wonderful it would be if we received more surprises like this; more often!!!  

I Pray that this Blessing came to Those at just the Perfect time and at a moment in their life when they Really Needed a Miracle or a Major Stroke of Good Fortune; when they were feeling Hopeless, dim, in despair and could not even imagine a way for something like this to manifest  itself by showing up at their door and Meeting a Need which timely arrived as a current impending and major financial situation was crying out to be Met and Resolved with this resource!!! Thank you for your insight and Bless You All!!!

 

 

 

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#2 Consumer Suggestion

Solution

AUTHOR: yourrights - (United States of America)

Know your ripoff rights.  The government now has a powerful agency to stop bad banking practices.  You can file a complaint at http://www.consumerfinance.gov/complaint/
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#3 Author of original report

Follow -Up

AUTHOR: ableone - (United States of America)

I wanted to offer an update for anyone that might be interested in this plight of mine to secure a refund for services not requested.  Since the discovery that Citibank has allowed their vendor to charge a closed account for their "Credit protector" service over several years to the tune of $1423, i made it a point to contact all of my other credit card providers to make it clear I was not interested in any such service. To my surprise my GE credit card had such a service aligned to it. I requested that it be cancelled, cited that I didn't request such a service and they issued a complete refund of over $900 without hassle in a single phone call. 

It has been 3 months since initially contacting Citibank/Credit Protector to address this and they have promised to issue the actual recording of my acceptance of this so called service of theirs. To-date, no communication from Citi, outside of my own attempts to get them to address this.
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#4 Consumer Comment

**Same situation**

AUTHOR: leenda98 - (USA)

I just wanted to say that I am in the same situation so I can see how this could be overlooked especially if you don't use the card often. They owe me about 400.00 and have been charging me since last year October. They state they will investigate on how it was authorized, they first stated it was authorized by the main person on the account and that he called in. Guess what, "the owner of the account is hearing impaired". Amazing!!! So I can completely understand where you are coming from. Yes, we are not expecting sympathy........JUST OUR MONEY BACK. Thank you!!!
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#5 Author of original report

No sympathy expected

AUTHOR: ableone - (United States of America)

Hey Jimbo from Orlando

No one is asking for sympathy. Since the account has been closed my expectation was that ONLY the principal balance and interest should be due.   I subscribe to a credit monitoring service and I have a lock on all my credit profiles with all three credit bureaus; transunion, equifax and experian. So I stay abreast of all activity with my credit. This was obviously a surprise and it took only a little bit of research on the internet to realize I as not alone with this issue.  

Yes, statements are available online. However the account activity on the sign on page shows payments: $xx.xx. (the amount I paid previously) purchases: $0.00 (Shouldn't a service I "pay" for be listed here?) cash advances $0.00. I saw no reason to second guess the details there.

No, I dont want sympathy. I want justice.
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#6 Consumer Comment

Incredible!

AUTHOR: Jim - (USA)

By your own admission, you've been billed for and paying for this service for FIVE YEARS and you didn't know?  Lets see, now expect sympathy because YOU don't read YOUR OWN statements.  Paying on line still gives you the opportunity to SEE THE STATEMENT.  However, YOU CHOSE to not even read what you were paying for!  All their fault, right?

THANKS FOR THE LAUGHS!
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