Consumer complaint received 2017-04-25
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I 've been noticing that I had been having some unauthorized charge on my Best Buy ( Citibank/ XXXX /  XXXX   - whatever it is called now ) account called " Debt Protection/Debt Cancellation. '' I never really thought anything of it. Further into doing research, I noticed it had been on my account for  two ye ars ( the oldest statement that I can see online is from   XXXX   XXXX    ),  and I 'm assuming this probably has been happening unknowingly for much much longer. It 's been around $  XXXX  {$18.00} every month. I NEVER ever purchased this or authorized this, because I have no need for that service or any similar service. Every time I buy something anywhere and they ask for any kind of additional protection, I always say no.  Plus, I h ave n't charged anything to my card in years and years and years.     I saw online that  Citibank had n umerous complaints and there was a  Class Action lawsuit and that they were fined {$35.00} million and forced to reimburse {$700.00} million to customers. I NEVER got notified or refunded at all or   received any notification that this had occurred. This is actually the first time I 'm hearing about ( ever since I did research online this week ). I would like to find out when the charges started and be reimbursed for the entire amount up until currently, as well as having the whole " debt protection '' charge cancelled and removed from my account indefinitely. I 've even read about people having the charges on their card even after their card is paid off and the account is closed. I do n't want that to end up happening to me.     I contacted Best Buy and they sent me this message " We received your recent request regarding your account. We have received your request to change or cancel your debt protection enrollment. This process is handled by  XXXX , a third party vendor, please contact them directly at  XXXX  ( TDD/TTY : Use Relay Service ) Monday  thru  Friday  XXXX   XXXX  ET to  XXXX   XXXX  ET, Saturday   XXXX   XXXX   ET to   XXXX   XXXX   ET and Sunday  XXXX   XXXX  ET to   XXXX   XXXX   ET. Please let us know if we can be of further assistance. '' I 've never heard of  XXXX  or was ever informed of this Debt Cancellation service, and I do n't want to play phone tag.     The account should also be closed - as of    XXXX    ( I still have a balance on it  ).   The account is n't active, but yet they are still charging me for this " debt cancellation service. '' Once the balance is paid off, I do NOT want them to continue charging me for something that I do n't want. That   XXXX   is also the number on my statement each month.     ( I have attache d two screenshots - one is a sta tement from   XXXX   XXXX  , and it states that I purchased " debt protection, '' which is not true, because this is the first I had ever heard of it! ) I 'd like to get this resolved as quickly and less painful as possible. I would also like for that money from all of those years be reimbursed.

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