Consumer complaint received 2018-03-13
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was checking my statement with my Best Buy Citibank Credit Card to see how much longer I had left during my 0 % interest promotional period to pay off my XXXX  computer, and to my surprise I found out that I had been charged {$14.00} per month for something titled " Credit Life Insurance Fee '' a.k.a. " Debt Protection '' which I had never asked for and never requested or authorized to be charged on my account. My computer is $ XXXX/month so it hasn't been really paid off much because of these fraudulent charges being taken out since I had my computer which was purchased on XX/XX/XXXX for {$1800.00} with tax ( computer only ), with the first debt protection charged prorata for {$8.00} on the first statement ( XX/XX/XXXX ). The second statement ( XX/XX/XXXX ) charged me {$16.00} for debt protection. The third statement ( XX/XX/XXXX ) charged me {$15.00} for debt protection. The fourth statement ( XX/XX/XXXX ) charged me {$15.00} for debt protection. The fifth statement ( XX/XX/XXXX ) charged me {$15.00} for debt protection. The sixth statement ( XX/XX/XXXX ) charged me {$15.00} for debt protection. The seventh statement ( XX/XX/XXXX ) charged me {$15.00} for debt protection. The eighth statement ( XX/XX/XXXX ) charged me {$15.00} for debt protection. The ninth statement ( XX/XX/XXXX ) charged me {$15.00} for debt protection. The tenth statement ( XX/XX/XXXX) charged me {$15.00} for debt protection. The eleventh statement (XX/XX/XXXX) charged me {$15.00} for debt protection. The twelfth statement ( XX/XX/XXXX) charged me {$15.00} for debt protection. The thirteenth statement ( XX/XX/XXXX ) charged me {$14.00} for debt protection. The fourteenth statement charged me {$14.00} for debt protection. The fifteenth and FINAL statement with these changed charged me {$0.00} in debt protection because I called and cancelled the debt protection when I noticed these fraudulent charges concurrently on XX/XX/XXXX. Also, I noticed that on my second statement of ( XX/XX/XXXX ) I was refunded {$14.00} in debt protection but CHARGED {$16.00} in debt protection, which appears to be when I called in and cancelled the debt protection and notified them of fraud when I first got my computer. I remember seeing charges for debt protection on my first statement and called to cancel and have it refunded, and they refunded me {$14.00} ( even though I was only charged {$8.00} in debt protection for the first month. Either way, it is clear that I cancelled these charges once before, on my second statement, yet they continued to charge me for debt protection even after cancelling. This is extremely fraudulent and is a clear deceptive practice even after wishing to cancel these services where there is identification in my PDF statements that they refunded me and still continued to charge me. I thought these were cancelled so I didn't think to look at my account until I wanted to know what my balance was on my computer because I was about to pay it off with my tax return. Why should I have to call and cancel debt protection twice? I shouldn't. I placed a dispute to request a refund and got a denial letter on XX/XX/XXXX, and just today placed another final dispute for the refund.

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