Consumer complaint received 2021-09-24
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Re : Dispute of charges and exorbitant fees from a Closed Account XX/XX/XXXX In XXXX, I had gotten some outrageous late fees and interest charges which I suspected were unscrupulous. I sent a letter to Citibank and the MN Attorney General regarding this and asked that these charges be reversed. The Attorney Generals office was supportive and concerned, but Citibank never responded. I simply stopped using the card. I have excellent credit and always pay on time. There are other companies that had much more reasonable fees and interest. 

Then in XXXX, I got an unexpected autocharge from XXXX. I paid the bill & closed the Citibank account. I changed the autopay from XXXX to my new business credit card with XXXX. I thought the maltreatment from Citibank was finally over. 

But in XXXX, I got a surprise bill iof {$110.00} from Citibank in XXXX, a surprise because I had closed the account with Citibank. XXXX had accidently charged one autopay to Citibank and one to XXXX. I called Citibank to refute the charge through them since I closed the account. They reversed the charge from XXXX and we called XXXX to make sure they were only charging XXXX ( the other credit card ) and to eliminate any information about Citibank. The account was closed and I received a letter from Citibank that the account was closed. I thought the hassle was finally over. 

Two months later, XX/XX/XXXX, I received a bill from Citibank with past due charges and interest more expensive than the original bill ( {$340.00} ) that I should have never received from a closed account. I contacted XXXX and they said that Citibank sent them money but that XXXX would reverse the charge since they were charging the correct credit card, XXXX. They attempted to reverse the charges, but Citibank said the account was closed and would not accept the money back. XXXX offered to send me the money back since it would be double charged. We called Citibank and told them we would forward the money from XXXX and that I want that account closed and to reverse the charges and fees since the account should have been closed, but they insisted that I pay exorbitant fees from an account that should have been closed in XXXX. A credit from XXXX still awaits Citibanks instructions on how to send the money to them. 

I always pay my bills in full and on time. But since I had every reason to expect that this account was closed and that no one should be billing to it anyway, and since I have been disputing this bill for half a year, it is ridiculous to be charging me late fees and interest on something that should never have been on this account. Citibank has been using unscrupulous practices and charging exorbitant fees, especially for someone who always pays on time and has excellent credit. I want Citibank to take the money back from XXXX and close the account permanently as I had requested in XXXX. I also demand that Citibank refund me the {$100.00} in interest that they charged me erroneously in XXXX.

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