Citi to Opus change of card holder

sal2305

With the transfer of Citi cards to Opus they have swopped the main and secondary card holders on my account. On complaining to Citi by phone they refused to deal with it and no supervisor was available and did not phone back as promised. Needless to say, written complaints are in but no action taken by either Citi or Opus, this must break regulations and I would be interested to know how many peole this has happened to as the only interesting thing the Citi card person said was this was a wider problem.

rossocorsa

same here AND they increased the interest rate between my original letter (correctly in MY name) and the card issue letter in my wifes name. when I spoke to Citi they said it was their fault but they couldn't do anything talk to OPUS. I did today guy on the other end said the higher interest rate was right as it was due to the way Citi calculated their rates NO I said it was compound in both letters the only difference is one is in my name (first letter) and the second is in my wife's name and included the new cards. He says he's never heard about the transposition of account holders despite Citi telling me it was a common glitch (at least they did admit fault!). i ask to speak to a mnager no one available charming this IS a serious error and they will not speak to me! anyway decided i'd close account so said I'll pay off balance with my debit card, he says systems playing up (ha! ha! old excuse for new staff who don't know what they are doing) so I wait maybe 2 mins he then asks for card details which I give him then I point out he doesn't have the long number from my card he says he does and quotes my credit card number! GENIUS!!!! I give up at this point as I am worried that my balance of about £10 may get debited as £1000 and put the phone down. I'll call again next week maybe I'll be able to speak to a supervisor if they are not too busy?

sal2305

Thanks rossocorsa I have not got anywhere yet and now the Citi card doesnt work and Opus don't answer most of the time and won't talk to me anyway! No idea how to pay the outstanding balance - what a dreadful company!

GossipBoy

For what it is worth i thought i would add my tuppence on this issue. I presently have two citi cards- one a normal citi platinum card and one the former Ultima citi black card, both of which have now been transferred to Opus. like many others here, i received a transfer letter, then nothing- why because they issued the cards and transferred the credit to the secondary card holder.

On the Ultima card i did not realise this had actually been transferred at first as Citi has assured me they had stopped the transfer on this card. However two months later when i was about to go travelling, the card did not work, nor did the contact number on the back. Now Opus just send me bills- regular monthly bills, although they have never sent me any cards on this account.

I shall not be activating any Opus accounts and am today closing them off with formal letters of complaint to both Citi and Opus.

Also of interest is that the mail address is the same as several other visa cards in Sheffield- a processing centre for Bank of Scotland.

oakley04

Since the transfer from citi card to opus things have gone down hill. I have never endured such abismal customer service anywhere. In January I recevied a bill from Opus with an amount outstanding plus interest from December. To the best of my knowledge I had paid everything up to date. I phoned Opus up, only to speak to a young girl named Laura, who said "oh yeh I can see what you mean" oh I hate these. You don't owe anything. So I asked where the amount had come from, but she again replied that i didin't owe any money and not to worry about it! I wasn't happy with that, naturally and asked to speak to a manager. She said there wasn't one and that it must be an error on the system, and if I thought I owed some money, to pay what I thought the amount was, and then hopefully their system would correct itself!!!!!!!! I again demanded to speak to her manager and so she placed me on hold for 15 minutes, while I dialled out on another line and spoke to Jody, and she seemed to know what she was talking about. She found the problem straight away, and has Opus hadn't sent me a bill out in December, that was where the problem lay. She told me the amount that needed paying, and then told me to phone back and then she would waiver the interest for me. That is exactly what I did, and I then phoned Opus back and spoke to Richard, who told me (yes youve guessed it) that they were not able to waiver the charges. I then asked him the total amount owing. He then advised me that with Opus card you have to pay up to 2 MONTHS in advance to avoid any interest charges!!!!!!! I have never heard of this with any other credit card. My last phone call was made today to clarify and pay the closing balance, and even then the girl on the phone told me the wrong amount, and said there was nothing to pay!!!! Needless to say I paid it all off and closed my account. It seems to me that the left hand is clueless as to what the right hand is doing, and all the staff seemed trained to delibrately mislead you and give you incorrect information. Avoid Opus card at all costs, as there are much better credit card companies out there with good customer care who don't want payments 2 months up front.

Bertrand67

We have had similar experience with Opus. We never had a problem with this account when it was a Citi card. The standing instruction was for the card to be payed off every month by direct debit from a Citi current account. Since Opus took over, they seem incapable of following this instruction. When we call the call centre, their staff don't seem to listen. This month we've gone over our (low) limit because the balance wasn't cleared last month. Now they have charged us over-limit fee and interest. When we spoke to the call centre today they refused to admit that any balance had been forwarded (even though we had the online statement infront of us and could see it had been). Besides we haven't spent the full limit since the last statement date. Not anywhere near it.

The guy we spoke to today repeatedly interrupted us with "Please let me explain why....". I'm sorry we're just not interested in why. There is a standing instruction to pay down the balance every month. Not only did this guy fob us off for nearly 30 minutes on the phone, he also refused to refund the £12 over-limit fee. When my girlfriend said to him ok, well if that's the case we just want to pay the balance off right now and close the account, things got even more bizarre. We gave him the debit card details and our address, he then said there was a problem wiht the address we gave him and the payment couldn't be accepted. The address we gave him is the same address as they send us credit card statements. It's on their system. I got the distinct impression that he was just being awkward to prevent us paying off the card. In the end we were just going around and around in circles with this guy. We asked to speak to someone else instead and then the guy told us he didn't appreciate being spoken to like that. We hung up at that point. We'll try again tomorrow.....

We've had other admin problems too but this is the worst. In our experience, Opus is trully awful and we will be closing the account. I would freely recommend to anyone else to avoid this credit card provider.

Rupert_Bear

I had the Citi card and was advised that it was being transferred to OPUS. I wrote a letter when Opus took over and advised I do not do business with sub prime lenders and to cancel the card. They duly noted my letter and confirmed card cancelled. This was in November 2010. Moving on I received a letter from them a few weeks ago advising as a responsible lender they were reducing my card limit by £2k.

I rang their customer service and they advisor said even if they were reducing limits for closed accounts they were still sending out letters. The advisor also confirmed the account was definately closed.

What a shambles!!!!!

Rupert_Bear

Rupert_Bear wrote: »

I had the Citi card and was advised that it was being transferred to OPUS. I wrote a letter when Opus took over and advised I do not do business with sub prime lenders and to cancel the card. They duly noted my letter and confirmed card cancelled. This was in November 2010. Moving on I received a letter from them a few weeks ago advising as a responsible lender they were reducing my card limit by £2k.

I rang their customer service and they advisor said even if they were reducing limits for closed accounts they were still sending out letters. The advisor also confirmed the account was definately closed.

What a shambles!!!!!

VictimOfImpersonation

Without reading anything more I believe someone should report Citi/Opus and Equifax and any other organisation peddling false personal data to the Information Commissioner and the FSA and arrange for these clowns' knuckles to be severely rapped.

See here: https://forums.moneysavingexpert.com/discussion/comment/41704436#Comment_41704436

It is a monumental disgrace.

vonni_2

I used to have an easyjet card through CITI but they stopped doing them and transfered it to a citi card. As I didn't use the card I got a letter to say they had cancelled the card due to inactivity. This was 2009.
I received a call from someone about a 'personal account' with opus and he asked for details. I didn't give any as I had never heard of opus he then told me I should check my statements carefully. I told him that I hadn't got any statements and he put the phone down. I googled opus and then called them. it seems that even though I had a closed account it was still taken over by opus.
My next problem is that the aa have for some reason requested money from the card as I had made a one of payment to them for my daughter in 2009. Nothing was taken in 2010 and now this payment plus charges is was taken in January 2011. I have received no statements or correspondence from opus till today. Who is to blame? the aa for asking for the money as they also get it by direct debit from my daughter or opus for allowing the payment to go out of a closed account. Not sure who I should have a go at the most to get it all sorted.
Also rang the opus customer services 3 times tonight and got the same woman each time, I think she was the only one there as it was so quiet.
Any advice would be appreciated

[Deleted User]

Possibly neither. If a CPA was signed, then the AA had the authority to take it (although obviously not if it has alerady been paid).

And not Opus as they cannot refuse a CPA as it's an authorised payment.