Consumer complaint received 2022-05-18
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
Im consumer thats making a Formal complaint against Citi Bank ( South Dakota XXXX XXXXhis has been going on since XXXX XXXX years in the making. I as consumer I like to share my story. I purchased a Credit Card with Citi Bank. I went thru all of it with Citi Bank. They were charging me Outrageous interest fees that made it impossible for me to pay my bill off. So I stopped paying to find a some resolution with court. So Citi Bank took me to court. It started after Citi bank South Dakota, took me to court bc I the consumer had massive amount of fees. I wanted them to take me court, Bc there was a judgment /already in place which XXXX. I do appreciate the judge for granting me my judgement. The Judge told me to pay XXXX w. Which commencing on XX/XX/XXXX. The judge told me I had to send weekly payments to Citi banks Attorneys Office, which I did. It was a total of XXXX court proceedings, and the third court proceeding never took place in XXXX, Citi Banks Attorney started double charging me each time. I sent payment to there Attorneys office. I was truly trying to pay this Credit Card off making double payments and even took out loans, bc I didnt no my rights were being violated at the time until the Attorney office was charging me crazy amount of money even tho judge granted my modification of {$25.00}. I would pay double payments of XXXX dollars to Attorneys office trying so hard to pay this bill off, but Citi Bank Attorney office had different intentions they would charge me extra XXXX dollars of interest and not reporting this to IRS /Gov so the Attorney office was embezzling money from me, there were so many different amounts money they told me I owed on the statements they sent me. It outrageous amount of money. It got to the point. I couldnt keep up with different amounts they said owed them. Then Citi bank after 14 years hired another Attorneys Office to make matters even worse for me before the pandemic hit us they fired attorney that was working on case bc I sent evidence to them wat last attorney did to me, so they went thru many lengths to get back at me even. Took me court .again after 14years why? They told me. I could join into a remote hearing conference call, but Attorney did ever thing possibly to make sure, I didnt get into that remote conference call. I never received a invite from XXXX to download the invite. I even have emails proving that I tried to get in hearing conference call. I got the run around bc they didnt want me to let the Court know what was going on, .So Attorney that was on the case gave me the around, so that never happened. so they lied to my employer said they couldnt reach agreement with me the Consumer. Went thru many length to garnished my check to the 25 % maximum of my pay. But they had no problem sending my employer a blank form of a bogus judgment even tho there was judgement that, I was trying to fight Which was XXXX weekly. That judgement on XXXX XXXX never was sent to my employer. now I cant pay my bills. I didnt owe this money bc ( Attorney said to me it doesnt matter wat ( judge ) says we can do wat ever we want to u, So they been embezzling so much money out of me. I consumer should not have to go thru all this just pay off a credit card bill. I have been experiencing XXXX XXXX XXXX and crying all the time at night and staring at walls & having XXXX  XXXX. And sever night mares. Not eating some days. I should be compensated for my pain & suffering and all of my back pay should be reimbursed and stopping that bogus wage garnishment and judgement that they lied online about me. I dont deserve this treatment. I keep asking myself why me. I work just like any one else. Im hard working. Im sorry Im crying right now. I cant finish my story. I just wanted other consumer to know wat Im going thru with Citi Bank South Dakota, XXXX. Doc no - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation