Consumer complaint received 2018-11-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Around XX/XX/XXXX, there was a heatwave in the greater XXXX XXXX California area, which cause a short in my refrigerator resulting in spoilage of all of my food. As a result, I had to open up a new Sears Credit card to purchase a new refrigerator, replace the spoiled food, and since traveling on bus, a luggage cart to carry the newly purchased food home in. I was able to use my newly opened Sears account at Sears and XXXX. So on XX/XX/XXXX I first went to XXXX to purchase my food and luggage to carry it in. They too suffered from a power outage due to the heatwave and it was reflected in the short fuses in the form of patience that of many of the sales associated. My purchase amounting to {$260.00}, was rung up by the XXXX   manager named XXXX. It was written all over her face that the heat had gotten to her also. 

While walking up to the Sears in XXXX to next purchase my new refrigerator, a Sears Credit Card Fraud Specialist calls me and ask me if there was any suspicion activity on my card. I replied : " No. '' A few days later, I am order via email from Sears that I have been issued a new card and to destroy my old one. I called and asked why. After pulling it out of so many ducking and dodging Specialist, like I was pulling teeth, I was finally informed by the Sear Specialist XXXX, that on my very first purchase, the manager ringing up that purchase, called the purchase I had made in to the Fraud Department as a credit card fraud and that the card should be shut down immediately. In other words she accused me of credit card fraud with my own card! Only because I was an XXXX woman I reported the discrimination, requested an investigation be done. One was opened. 
Only for with the final words : " It is a he-said-she-said thing '' to illegally close down what then transformed into a RICO, racketeering coverup. All due to the shallow investigation of the XXXX Claims Rep. XXXX XXXX. Because, though purporting to the a neutral Claims Representative who cared about the oppress, his conducting his veneer of an investigation really proved him to be, the powerful millionaire XXXX XXXX XXXX  little fixer. 
Which RICO crimes that he committed against me only further set me up for an avalanche of RICO criminal acts at the hands of countless Sears and XXXX employees, managers, in an environment turned hostile by XXXX 's stalking, and inciting others including security guards to join her. To be climaxed wit some of her fellow XXXX managers illegally calling Security on me right after I had paid on my Sears Credit card. Only for after stalking me for a little while, that security guard to call the police on me. Then weaponize the two very kind police officers who were just responding to a call of danger, that XXXX   security guard called into the police station a No Trespassing order on me. Then put the two kind officers up to giving me the orders that since a " No Trespassing order had been called in on me by that security guard, I am to leave the property, never come back on it and if I am ever caught on the property, the police will arrest me.

Being a Legal Mediator, with the attempt to make peace first, I first contacted the property manager, then the property owner to inform them the legal danger that the Sears Holding employees and that Security Guard had placed them in. The gracious property manager immediately got in touch with the supervisor of the security guard. That supervisor called me, arranged to meet with me at XXXX, apologized and as a token of remorse, gave me a {$100.00} gift certificate. What is {$100.00} compared to RICO property forfeiture? But it was my intent to make peace. It was the thought that counted. I accepted it. We parted in peace. Peace was also made with the property owner as I notified him in a letter. Yet, the wanton reckless bad attitude was still maintained by Sears XXXX when I contacted the claims reps CEO and suddenly another shallow investigation was opened and closed. With the final email to me placing the to blame for the security guard 's actions, on the very property owner who initiated the peaceful meeting between me and that security guard 's supervisor. Who told me that the security guard quit, because he knew he was going to be fired for calling the police on me.

It was due to that reckless attitude and conduct, that I had decided to give Mr. XXXX the ultimatum to meet my request of my settlement out of court, ( because I felt sorry about all of the Sears closures and potential bankruptcy ) or I will pursue with a Civil RICO Lawsuit against him. Until then, even though I really enjoyed paying it, I had resolved to refuse to pay another penny on my Sears credit card account. Which I only decided, because of how powerful Mr. XXXX is and how I have learned the hard way of the infestation of crooked claims reps who are nothing more than pocket fixers for the highest bidder and the one " with the most toys and money. '' And I do not intend on being sucker by another one of them ever. by trusting they care about me, as the tip the scales of justice in favor of " fat pockets ''

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