Consumer complaint received 2020-02-06
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:
In XX/XX/XXXX I called the bank to cancel said card because they had issued my Daughter a card on my account months before this I did not request this my daughter did she told me about it I did not care because same bank refused to issue my wife a card prior at my request after they gave her the card I told my daughter she had to pay the bill not me as I do not use the card she charged it up to XXXX when I called bank they not only did not close account but sent new cards I got 3 days after I requested closer of said account I called again asked them what the XXXX they were doing why was this account not closed there were trying to cover there XXXX for issuing my daughter a card and thought I would activate them I did not so after they close the account on XXXX XXXX they never sent me a bill so my daughter never paid it as we never got a bill in XX/XX/XXXX I get letter saying your past due XXXX I called bank when I brought up issue of no bill supervisor claims I got e-mailed bills I have never in my life had any account of mine sent to my E-Mail then I ask to remove all charges due to their error and 3 times 2 in XX/XX/XXXX and in XX/XX/XXXX ask the bank to put this bill in my Daughters name and send her the bill they refused so this bill also showed on my Daughter credit report after I paid it up to date on XX/XX/XXXX of XXXX which no my daughter owes me and my wife this bank removed this info off my daughters credit report like she never was on this account that was yesterday XX/XX/XXXX when my daughter said it was on there day before then even though I called and it save paid up to date no payment due in this billing period for XX/XX/XXXX I get paper bill claiming I owe XXXX on XX/XX/XXXX now how the XXXX does a bill go from XXXX to XXXX in like 2 weeks owed all dollar amounts over XXXX was directly related to charges they tape on from closer date in XX/XX/XXXX from not sending a paper bill I actually ask for all documents from closer date to date XX/XX/XXXX they have not provided such to me I got ask XXXX XXXX question by the bank like you did now you owed money or you closed account you still owe money you didn't know, I know this I paid it up to date for charges I did not owe them and they took my card payment so they collect money from me that makes this a fraud charge by doing so does not matter if they are a bank the money owed was due to their mistake they refused to fix after issuing my daughter a card on my account then not sending me a bill after closer of said account and I can pay this off anytime I want but my daughter owes 100 % the bill I do not pay off daughters debts she's can pay it every month, my main issue is you denied my request to give my wife a card who makes over XXXX a year and XXXX credit score yet you issued my daughter one with limited income and a very low credit score how the XXXX does the bank explain that one and at no time did my daughter do anything I knew about what she did after she did it like I said she is responsible for this debt not me and bank removed it off her credit report and it shows 90 days late on mine that needs fixed I'm never late on anything that I pay every month that's how we got .09 % interest on 2 vehicle we just bought on XX/XX/XXXX and I care a 5 digit bank account me and my wife and this bank want 's to play games with me over mistakes the bank made in connection with this account you took my money I did not owe the bank so the bank happily commit fraud have a very nice day now : )

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