Consumer complaint received 2019-06-14
Company: CITIBANK, N.A.
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
Initially there was a XXXX XXXX service purchased 3 years ago, however, since the account user no longer uses it and is no longer in contact with me, I had attempted to cancel the account and payment which is billed under my name since XXXX XXXX. However, when I contacted XXXX XXXX, the company always refuse to discuss with me simply because the account wasn't under my own name, however, XXXX XXXX insist on billing me for the service using my credit card number which I did not agree to be auto- renewed on an annual basis. 

If I were to agree, I should have checked the auto renew box, since I never checked that box, and XXXX XXXX did email and call me on XXXX to renew the service, there is sufficient prove that it is not on auto renew. Therefore, when I was charged again on XXXX surprisingly generating even late charges on my Sears card, I wasn't happy about it. however, the merchant again refuse to discuss with me but insist on charging me. I had contacted the merchant and my credit card company through the past one month without any result. My credit card company insist that since I agree with the first year charge, " that is not a fraud '', although I never agree to be on auto renewal list. And the account holder ( which is not under my name ) had deliberately stated he also didn't care for the account closure to myself. Until this date, I still was harassed by irrelevant person about some " debt collection '' for XXXX dollars. Those people are not from either XXXX XXXX or Sears card, I am not certain how they get the information. Therefore, I need CFPB to request XXXX XXXX to stop billing me and to stop the harassment as well. I didn't know a service can cause me daily harassment. I also didn't know that a service provider can refuse to stop service. Since XXXX XXXX is not the only service I have in the US for the past 15 years. My bank insist on calling me " do not understand the situation " and route me in circles for 2 months. I am unwilling to pay the late fee due to their delay of action and unwillingness to recognize their own fault. Let alone the fact the discrimination of customer service due to either gender, XXXX or national origin. 


Here is the amount that XXXX XXXX charges on an annual basis : {$45.00} dollars since the amount wasn't paid for due to the fact that I actually didn't know I am still on the hook after calling XXXX XXXX to cancel and dispute with my bank without success, it usually generates late fee to be about {$80.00} to {$100.00} dollars each year therefore, the total amount is somewhere around {$180.00} dollars for both XXXX and XXXX The action I had taken : I had contacted XXXX  XXXX Sears and Citibank on XX/XX/XXXX I had since contacted Sears and Citibank the week to follow for 3 weeks due to XXXX XXXX 's refusal to discuss further and to account closure. 


Today I have gotten a Letter from Sears literally asking me to " withdraw the claim " which I had never requested ( see attachment ). I am not certain what does this action mean? Does that mean my consumer voice don't matter or Sears/ Citi couldn't understand me in English due to my last name doesn't sound white enough? Or else

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