Consumer complaint received 2018-12-27
Company: CITIBANK, N.A.
State: CA
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:
Re : ThankYou Pref. MC : XXXX | Alleged Bal. : {$3400.00} ( XX/XX/XXXX Stmt ) *NOTE : Although I have previously submitted two complaints about this account/creditor, todays complaint is about a separate and specific issue NOT previously raisedi.e., the fraudulent charging of nearly {$600.00} ( and counting ) in fees despite the accounts being closed and disputed for over four months now, since XX/XX/XXXX ). Thus, this complaint is NOT a duplicate and should neither be dismissed nor dismissively answered with a pro-forma duplicate response. 

1. As of XX/XX/XXXX, Citibank stands in expressly confessed intentional breach of our contract. 

2. Thus, effective XX/XX/XXXX, I closed the above-referenced account. 

3. Thus, I deny and dispute the alleged balance in its entirety. 

4. Thus, the alleged balance is wrongit should be {$0.00}. 

5. Thus, I deny and dispute the {$330.00} in past-due fees and {$260.00} in over-limit fees ( included in the above-referenced alleged balance ) that have been charged to the account since XX/XX/XXXX. 

6. Thus, the fees since XX/XX/XXXX should be {$0.00}. 

7. Thus, the fact that Citibank keeps billing on an account that is expressly known to be closed and disputed now for 123 days ( and counting ) shows clearly and convincingly that Citibank is willfully, arbitrarily, fraudulently, and thus illegally inflating the balance, likely to make the account more lucrative for placement with a collection agency/law firm. Citibank does this with indifference to the legal injury it causes me ( e.g., vis -- vis my credit file, credit score, and the cascading effects thereof ). 

8. I have attached, and I incorporate by reference, my ( a ) XX/XX/XXXX Rebuttal & Dispute, sent to XXXX XXXX and copied to Customer Service ; ( b ) XXXX Rebuttal & Reiterated Dispute, sent to Citi Client First ; ( c ) XX/XX/XXXX Second Rebuttal & Reiterated Dispute, sent to V.P. XXXX XXXX ; ( d ) XX/XX/XXXX Third Rebuttal & Reiterated Dispute, sent to XXXX XXXX in the presidents office ; ( e ) XX/XX/XXXX Billing Dispute, sent to Customer Service ; ( f ) XX/XX/XXXX Fourth Rebuttal & Reiterated Dispute, sent to V.P. XXXX XXXX ; ( g ) XX/XX/XXXX Billing Dispute, sent to Customer Service ; ( h ) XX/XX/XXXX Reiterated Billing Dispute & Rebuttal to Your XX/XX/XXXX Reply, sent to Customer Service ; and ( i ) XX/XX/XXXX Billing Dispute, sent to Customer Service. 

9. Given these grounds, which I will invoke in any future proceeding, you will : ( a ) remit this matter immediately ; ( b ) mark/close your files accordingly ; and ( c ) refrain from placing, or rescind as necessary, any related adverse information about me with the national consumer reporting agencies ( do not remove any disputed by the consumer notation ). Your failure to comply, as well as any unauthorized contact, will subject you to state and federal civil/criminal complaint, investigation, and prosecution, as well as to civil penalty and legal action resulting in damages, attorneys fees, costs, and sanctions. This is an attempt to mitigate. I reserve all my rights.

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