Consumer complaint received 2023-07-16
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have held Commercial Revolving Charge card with Home Depot since XXXX. Citibank is the servicer for the Home Depot cards in additional to many other retailers. 
My credit is excellent in the XXXX range and even so there have been times over the years I have been late with a payment to various entities. If that ever occurred, I always apologized and paid a late fee. Im careful in financial management and most always pay the full amount of a charged balance on each statement. Normally, I would never take the time to write a complaint letter requesting for government investigation, but in this case : I believe CitiBank Card Services engages in intentional billing errors with the purpose of generating additional revenue by unjustly collecting late fees, finance charges and high interest charges. I believe their collection staff is trained to unnecessarily intimidate and harass customers to confiscate unjust charges. 
If Citibank has done what happened to me as noted below, how many other people have they taken advantage of? 
XXXX XXXX was due XX/XX/XXXX in the amount of {$990.00}. Payment was issued and mailed on XX/XX/XXXX. The following XXXX XXXX reflected the payment of {$990.00} was processed on XX/XX/XXXX and Home Depot added a late fee of {$29.00}. XX/XX/XXXX was a SUNDAY and the USPS does not deliver mail to businesses on weekends, thus Citibank had to have received the payment on or by the due date of Friday, XX/XX/XXXX. I called Home Depot and spoke with a kind representative who agreed and said the {$29.00} fee which I did not pay, would be waived. 
Then in XXXX I received a collection call from Home Depot, I immediately returned the call and reached the most unprofessional, rude representative Ive ever dealt with XXXX from Texas who then sent me to XXXX ID # XXXX. I politely explained the circumstances then she unleashed and claimed I never called the first time and basically stated, I was a liar, late payer and irresponsible cardholder. She demanded I now pay {$73.00} which she said was the new balance. I had not received any statement reflecting a {$73.00} balance and requested a faxed copy. The conversation became heated, I became very angry and I told her to cancel the XXXX XXXX XXXX XXXX XXXX 
Days later on XX/XX/XXXX at XXXXXXXX XXXX  CitiBank faxed me a copy of the XXXX and XXXX Statements. The XXXX XXXX had the previous {$29.00} XXXX a {$1.00} finance charge and another {$29.00} late fee, for a total balance due of {$59.00}. The XXXX XXXX reflected the accumulated {$59.00} balance for unjust charges plus an additional {$40.00} late fee which was credited back and a legitimate {$14.00} charge for goods. I paid the entire balance of {$73.00} including the compounded late fees and finance charge on XX/XX/XXXX. DONE and the account is closed by the Consumer which adversely effects my good credit.

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 non-monetary relief