Comments on: Citibank Credit Protector – Ugh!

By: Paul (Founder, WorkAtHomeTruth)

Paul (Founder, WorkAtHomeTruth) — Tue, 10 Nov 2009 05:40:38 +0000

Kind of weird that Cmaculis didn't even read the actual complaints about Citi Credit Protector which had to do with the difficulty of canceling the product…then comlained that nobody can read.

I even posted an entire literacy video referencing this fact.

Hmmm. What beautiful irony.

By: cmaculis

cmaculis — Tue, 10 Nov 2009 02:45:51 +0000

I love to actually see and read and hear what people have to complain about. Half the time these people have no idea what they are talking about…credit protector is basically like an insurance if you have a balance on you credit card and you suffer a job loss or disability it suspend your payment for up to 2 years and you don't have to make payments and you won't go into default….if you were to move get married, divorce, have a baby or even enroll for college it pays 2 min monthly payment on your account…citi is not the only bank that has this program…i have it on my american express and also navy cards…it is truly ashame that people call the reps idiots…it is ashame when people say they didn't enroll in these programs when at the time of enrollment the terms and agreements are read and the enrollment question is ask…and the card members have to say yes or no…hint..hint..if a client is enrolled and he said no…its instant termination for the rep…so when i hear people say they can't remember enrolling…lies…lies…lies…but as i am aware card members lie…they lie when they say they didn't receive their statement so they didn't pay the bill and call in and expect to have a magic wand waived and it all forgive….my fav excuse…i was on vacation and couldn't pay the bill…i am sure you made sure your car, electircity and mortgage were paid, so why not pay the card…espically you knew you were going away and i am sure you used the card…i love when card member call and say 'i demand' you to waive the fee 'i pay my account on time'…an when i view payment history…late payment in the past…people need to read the terms and agreement when they get the card instead of going out and spending money that are not theirs….it is the bank money…and the bank is loaning you the money without any collateral….clients have the nerve to say they pay more than the min every month and want special credit for that…guess what idiots…your basically paying more than the min…so you're paying back the principal so money you borrowed….

By: cmaculis

cmaculis — Tue, 10 Nov 2009 02:33:44 +0000

@Jody:

for someone who benefited from the program once before i am surprise you have such an attitude concerning the 'benefit' that the product can provide…just to let you know, credit protector is offered on all credit cards, i have it on my citi card, american express and navy federal…it annoys me to listen or read to opportunitic individuals like you…when you were able to use the service you were not complaining or even acknowleging the product…i am sorry that you are having trouble to cancel it…but its people like you…who can find it so easy to call those customer service reps idiots that make me ask…maybe you should look in the mirror and see who the ignorant idiot really is…those reps have to stay within the rules and guidelines of the bank…and those reps are on the phone taking over 100 calls and have to always sound pleasant and welcoming, only to receive calls from clients who are rude, clients who personally blame them…clients who actually go as far as tell them they are the devil and they wish there kids to be stricken with cancer…clients like you have to remember to treat like you want to be treated…and to remeber these people are only working there and have to follow the rules of the bank…if you don't like it or what is being done to you…guess what…you have the power…close your account…you have the choice…don't be rude…to hard working individuals who have to listen and be blame from people like you

By: cmaculis

cmaculis — Tue, 10 Nov 2009 02:20:17 +0000

@yoyo2ma:

firstly look at the date that you were billed, then look at the date (if you remember) you called to cancel…if you don't pay the 12.95 that is up to you…but then it will cost you alot more in the long run, becasue you would accrue fees and finance charges…and guess what…it will end up costing you more than 12,95 and then…you would then call to customer service with an attitude and hateful…when it is you who didn't pay your bill…and then you would expect customer service to waive the maigic wand and remove the fees…guess what that customer service have a job and rules and policy to follow…instead of siting and not paying the 12.95…get up…call before the bill is due and see if it can be removed…and explained that you cancelled it…and ask why were you still billed…hint…you get more done with kindness than rudeness and ignorance

By: cmaculis

cmaculis — Tue, 10 Nov 2009 02:14:55 +0000

@Anonymous:

you are an idiot who possible have no idea of the product and or what it can provide for you….i guess having car insurance is a rip off, until your car is lost, stolen or damaged…i have seen an witness card member who were able to claimed 10,000 because of illness, or death…

By: cmaculis

cmaculis — Tue, 10 Nov 2009 02:09:55 +0000

@Irritated Citi CUstomer:
it amazes me each and every day that the customers blames the reps and refer to them as idiots. if customers take time and listen, take time to read the information that is send to them they would be alot more educated, and knowlegable. firstly, if you are enrolled in credit protector then you have to actually say yes to be enrolled, the calls are recorded becasue the terms and agreement is read over the phone to any one who enroll, and the card member have to say yes. if anyone is enrolled with credit protector and the card member didn't say yes, that rep is instantly terminated. it is easy for you as an ignorant consumer to say nasty words to the reps, i have hear from a card member to go suck a dick, i was told that my kids such die from cancer, i have been told that i am the devil….what the card member don't realize and thing about is….the reps are only doing their jobs, what they are trained to do an say…and they are human…if the card member has an issue that can't be resolved my waving a magic wand…you have a choice close your account…or write to the CEO…do not be a coward and take it out on the innocent individuals who makes min wage

By: yoyo2ma

yoyo2ma — Thu, 08 Oct 2009 15:58:55 +0000

Just got billed well over a month after I cancelled. Its a freaken bitch getting it cancelled for REAL and being able to get a rebate for the charge that you should not have to pay. I aint paying the 12.95 charge I got over a month after I cancelled this scam.

By: Anonymous

Anonymous — Thu, 17 Sep 2009 01:06:06 +0000

Credit protector is a sham and a ripoff. Rather than put money down some black hole in hopes that you will get hurt or lose your job save a few dollars a month for the unforeseen. Those saved dollars do add up and when something does happen you can just withdraw it from the bank not have to jump hoops to get some benefit that you likely paid for many times over anyway.

By: v1984

v1984 — Thu, 23 Jul 2009 05:04:28 +0000

anonymous, that's all very noble and wonderful, But I cant afford to quit my job. Also..hefty commission? What hefty commission? Is there something at your center we don't get?

Maybe if they stopped giving the customer service jobs to people in India, I wouldn't have this problem.

By: v1984

v1984 — Thu, 23 Jul 2009 05:01:03 +0000

I hate to say this, but it more than likely won't change anything….

People make me feel like I murdered someone for doing my job. Im not very aggressive but seem to do well at my job though. MAYBE some people can take a clue?