Consumer complaint received 2017-10-16
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I bought furniture items from XXXX furniture store in XXXX XXXX totaling an amount of {$5100.00}. The furniture store representative told me that there was a two-year promotion where I could set up monthly installments to pay off the whole amount. I did that. However, XXXX did not apply any of the monthly installments to that promotional amount which shows on my statement as {$3500.00}. Also, they fined me any additional {$2000.00} in XXXX XXXX for not paying the furniture amount in full. All this time, I was under the impression that the monthly amount was going towards the furniture. I have paid a total of {$8000.00} from XXXX XXXX - XXXX XXXX to XXXX XXXX. Their last statement says I owe them {$5100.00} after paying this amount. 

Please note the following : 1. Attached are my bank statements from XXXX XXXX which details the monthly payments that were made to XXXX every month. Please note that while going through my bank account, I found that although a monthly automatic payment was set, the monthly amount every month kept changing from my account. The automatic payment does not show here as one constant number which it should. I am not sure why the money paid to XXXX kept changing every month. I do not recall changing that amount every month. 
2. Receipt of the purchase of the Sofa and Mattress totaling {$5100.00} on XXXX/XXXX/XXXX 3. My bank statement from XXXX/XXXX/XXXX says it as an automatic payment but again that amount differs every month. I would not change the automatic monthly payment every month by a few dollars and cents. 
4. The automatic payment seems to have started in XXXX after buying the furniture when I had set the automatic payments at the time of purchase of the furniture in XXXX. 
5.During the time period from XXXX - XXXX XXXX did not call me even once to ask for payment or to let me know that the promo on the furniture was ending and that they were going to fine me {$2000.00} for not paying it in full. All this while I was under the impression that the furniture was being paid for through the monthly installments. 
6.If you look at the XXXX statements that I have attached ( they do not have prior to XXXX XXXX on the online account ), none of my monthly payments were going towards the furniture amount of {$3400.00} which they have put as a 24-month promo. 
7. The XXXX XXXX XXXX statement shows that the payment of {$98.00} was applied to the furniture amount after the fine of {$2000.00} was applied to it. I have no idea why. 
8. I called XXXX in XXXX XXXX after I realized that something was going wrong and the supervisor told me that if I paid them {$3000.00}, then they would bring my account balance to zero as they had done something wrong. They lied and my statement balance in XXXX XXXX was {$4400.00} 9.I have paid XXXX a total of {$7700.00} from XXXX XXXX - XXXX XXXX. 
10. XXXX latest statement shows that I owe them {$5000.00}. 

The interest on that balance keeps increasing every month although this charge is in dispute. Kindly help in this matter. Do let me know in case any other information is needed.

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 monetary relief