Consumer complaint received 2020-08-30
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is a formal complaint against citicard. 
They are charging me fraudulently interest charges and fees. See below a full accounting : Statement XXXXdue date for payment is XXXX. I called to make a payment which I have been doing for years over the phone. I was getting a recording due to Covid 19 they do not have representatives answering the phone. I wrote a note saying this payment is going to be late since you had no representatives answering your phones. Something I have been doing for years. I will not be paying any extra fees or interest because this is not my fault you furloughed people. Everyone is working from home this is a poor excuse  to not have representatives answering the phone, except to make a quick buck. Mailed in was check # XXXX {$2000.00}, # XXXX {$3400.00}. Two checks one XXXX  and one personnel which is how it has been done for years. 
Statement XXXX -I called on XXXX because I never received my bill in the mail. I was told I opted out of paper. That was not true I never pay online anything. I called in checks # XXXX {$2700.00} and # XXXX {$1300.00}. I told them I am not paying interest or fees. They are playing games. I am never late in 41 years. The first representative from the XXXX said I cant use 2 checks. I got a supervisor she took both checks confirmation # XXXX. Also, on this statement was {$29.00} fee and {$88.00} fee for interest because of being late the month before which was not my fault, I told the lady they had no reps answering the phones. I still paid it and was told I would get a credit not to worry Representatives name was XXXX. I told her I dont see any payments posted for {$2000.00} and {$3400.00} from prior month. So that means they are scamming for more fees and more interest. Told the rep. she said she would call back, never did. I tried calling the recording was on due to the Covid they dont have reps go inline and they disconnect. How ridiculous. 
Statement XXXX I see payment posted of {$2000.00} and {$3400.00} that was from XXXX statement now I dont see payments from XXXX statement of {$2700.00} and $ XXXXI called in a payment # XXXX {$1400.00} and # XXXX {$3000.00} on XXXX confirmation XXXX XXXX. I see interest charged {$76.00} Statement XXXX no payments showing interest charged {$130.00} and fees XXXX on statement missing # XXXX {$2700.00}, # XXXX {$1300.00} ( XXXX payment ) # XXXX XXXX, # XXXX {$3000.00} ( XXXX payment ) So now we have more I still paid # XXXX {$2400.00} # XXXX {$5100.00} confirmation XXXX XXXX I paid the interest and fees and figured they would catch up and credit. 
Statement XXXX -still no payments posted. I was charged XXXX in interest. I called in the payment # XXXX {$1800.00} confirmation XXXX. I actually overpaid {$620.00} because there should have been credits of returned items that is taking months to appear. I told the rep. I need my credits of all the interest charged incorrectly. This is stealing he said they will fix it they know Covid has made them have limited staff. I told the rep. I am putting in a formal complaint to the Banking and Insurance commission. 
Statement XXXX I see all the payments posted magic : {$1300.00}, {$2700.00}, {$1400.00}, {$3000.00}, {$1300.00}, {$2400.00}, {$5100.00}, {$1800.00} Still have an interest charge of {$190.00} this beyond ridiculous. 
Also, when I return something it takes months to post. They also allowed Indeed to keep charging my card even though I called when the first charge appeared and said I didnt agree to a charge. Then Indeed said it was a mistake and credited it. They should have never allowed the charge with out he authorization. For 41 years I have always paid my bills on time. This is theft, they are probably doing this to a lot of people. 
The CEO needs handcuffs because I even called that office and was ignored. The other thing that happened during this craziness was on the statements I see transfer from and account on every purchase. So, when I called, I asked what does this mean I dont have another account. I was told they sent me another credit card, which I never received. I asked them if you saw I was using an old card why didnt they flag this and call meanwhile a card was floating around with my name on it. 
The only credit given was onXXXX for {$29.00} and XXXX {$95.00} interest but that amount doesnt coincide with charged amounts. 
I also got a paper saying funds were returned. I called my bank they never got any funds to stop???? see attached Some people I spoke to and did nothing : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX in the executive office, left message for XXXX XXXX CEO Some gave their employee number some would not I will eventually close out this card but I want my money back for all interest paid and fees. I appreciate your help. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( old citi acct number ) Account # XXXX XXXX new acct number )

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 monetary relief