Consumer complaint received 2016-05-01
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is so much malfeasance with Citibank nationally and internationally that I am mad my tax dollars helped them to survive. Citibank fails to communicate with consumers when it is obvious they have made a mistake. Instead they coverup and make all seem as if its the consumers fault. 

In cases XXXX,XXXX and XXXX Citibank continues to create havoc with lies, lies lies! I recently reported a P.Vigneault on XXXX XXXX, XXXX who I feel will counter with another XXXX letter about my accounts. In XXXX XXXX I opened the case ending in XXXX. Case in point in the recent letter I received and do n't know why, he/she sent me a thick packet of the closed credit card account doc 's. I did not request this and there was no explanation as to why it was sent. 

Since the bureau in early XXXX XXXX accepted and sided with Citibanks explanation on why/when a payment is made there is no reason why a consumer needs to be informed when a payment is made, what the current balance is. Why and who ask XXXX to send me the huge packet beats me. I assumed the bureau accepted the very weak explanation why consumers do n't need to know what their ending balance is. So guess its ok for Citibank to have a consumer just pay, pay, pay. 

So, XXXX collapsed this case with the case ending in XXXX where a client liaison XXXX XXXX XXXX admitted in the XXXX XXXX, XXXX response that Citibank made a mistake purposely sending my payments ( account # written in the check memo section ) to the credit card account, and calling me a liar or as they put it when the case was opened, " XXXX XXXX claimed ... ''. In the fourth paragraph he stated " please allow 7-10 business days for the payments to be removed and reapplied to the checking plus account '' then he sent my account to collection agencies. XXXX XXXX seemed to feel the pressure of his lies, and referred the case to XXXX who is a regulatory complaint specialist to make all look as if I defaulted. 

In his/her XXXX XXXX, XXXX response XXXX stated in paragraph XXXX " in XXXX XXXX the error was corrected and the payments were transferred .... and posted as of the date they were received. There was never a letter letting me know this. Instead in the last paragraph he/she stated " It will be necessary for you to contact XXXX XXXX XXXX to discuss settlement options that might be available ''. 

These people must be on an opioid! Let 's face it Citibank, you cashed the checks in a timely fashion but, lied that they were never received then, covered up the checks were " erroneously applied to the credit card account ' ending in XXXX. Then Citibank stalled and procrastinated forl six months jerking me around, where I had to involve my Congressmen.For spike of involving my Congressmen Citibank sent the account with the new reduced amount of {$450.00} to a collection agency. Anyone who is a " logical '' thinker would see this is a coverup. So Citibank man-up and admit the truth, you lied.

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