Consumer complaint received 2015-06-25
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Our card number which Citibank drafted our XXXX payment changed we registered the new card number and Citibank drafted the payment prior to XXXX XXXX leaving our account current. I live in XXXX but went to XXXX to be with my grands. I return to find a delinquent balance of {$440.00} and an increased in interest rate from 0 % interest to 29 %. Citibank informed me they did not draft my {$220.00} payments for the months in XXXX and XXXX and did not know why. There was more than sufficient funds in the account. 
Citibank apologized and said if we made the {$440.00} payment they would reinstate my account reduce the interest rate and start back to take the automatic drafts out of our account again I immediately paid the {$440.00} requested to reinstate the account. I received a statement showing {$400.00} went to interest and late fees and {$40.00} was reduced from my balance. A Citibank employee explained we never reduce interest rates and we were probably told that to get us to pay the {$440.00} due because Citibank gives employees bonuses on money collected, but they never reinstate accounts. 
I filed several complaints and provided Citibank with their own records/statements showing my bank draft of {$220.00} for XXXX was made on time with a {$0.00} payment due on XXXX XXXX and their failure to make bank drafts in XXXX and XXXX caused us to be {$440.00} past due. 
I told Citibank that day I was not going to allow them to steal our money and we would not be make another payment until our interest rate was reinstated and we were given credit for that {$440.00} payment as usually applied without interest. 
Despite numerous complaints, letters and phone calls Citibank failed/refused to reinstate our account, why Citibank does not reinstate accounts. Well we do n't allow people to steal our money. 
After several months of failed efforts to get Citibank to check their own account statements of the last XXXX payments to the account which I willing provided and review their records of stopping bank drafts which demonstrated their failure to draft payment caused the XXXX late payment and late fees Citibank charged the account off and placed a negative report on my husband 's credit. 
Said charge-off without just cause was a devastating blow to my husband 's XXXX years of good credit with Citibank and to his pride in paying this bill on time for over XXXX years. 
This account was current as of XXXX XXXX and in good standing, all activity following that payment was due to acts and/or failure to act of Citibank employees who despite their error failed refused to reinstate our account that year. 
Citibank abused their powers, stopped taking payments, increased our interest rate, wrote off the loan, sent XXXX to demonstrate their loss as our income, ruined our credit and stole our XXXX year record of paying on time, why to increase their profits by lending that same money at a higher rate to someone else. 
Citibank also stop taking payments from my Home Depo account # XXXX XXXX XXXX XXXX without just cause which forced me to accept a settlement. Said acts appear to be a bad pattern/business practice of Citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation