Help with Citicard

[swallman]

About a year ago I signed up for a payment arrangement with Citicard (fixed payments each month, 9.9% interest, payoff in 48 months, due on the 8th). They initially setup 12 months of automatic payments. I didn't realize this and missed the December payment. When I found out in early January, I made 2 payments to get current.

 

Last week on the 8th I realized my payment was due. I called customer service to make a payment over the phone and she said since I was past their "cutoff" time of 5 PM EST (it was about 5:30), the only way to make sure a payment posted on time to keep my payment arrangement in place was to use my debit card (which I did). The payment on my statement shows a date of 2/8.

 

Today however, I received a letter from Citicard indicating that my payment arrangement had been terminated. I called to ask why and they said it was because my payment was posted AFTER 5 PM (even though it shows posted on the 8th). I think it's a bunch of BS that the payment shows posted on the 8th but they didn't consider it on-time.

 

Anyone know who else I can contact at Citicard or any suggestions ? I went as high as the person on the phone said I could go to get it reinstated.

[swallman]

BUMP...any ideas out there ??

 

Thanks.

[road2freedom]

Did you try asking for a supervisor?

 

I used to work for a Citi company and the hierarchy is pretty old school. Rep -> Team Leader -> Manager -> Senior Manager -> VP. Almost nothing makes it to the VPs desk if it can be resolved. And if you get that far, they are almost always willing to make an exception just to get you off the phone.

Edited February 14, 2012 by road2freedom

[swallman]

I got transferred to someone in "Escalation", but he wouldn't allow me to talk to anyone above him.

[road2freedom]

Ask for a name and email or address of his supervisor. It's against their policy to refuse that information. Really once you get the name, you can dig up the email address. Keep track of all conversations, especially if anyone refuses to escalate or provide information.