Consumer complaint received 2021-05-19
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was notified that I had past due charges on an account I had closed almost 2 years ago. The charge was for a subscription in XXXX, but I wasn't notified till XXXX as I have not recieved any billing from Citicard in the past 2 years. ( I don't have the card, I don't know the card number, except for the last 4 digits. ) I called Citicard to clear the charge. I paid the charge in XX/XX/XXXX after an extended series of calls to Citicard to verify what the subscription was for and to get assurance that my account was closed. 
I asked if there were going to be any other charges and was told there would not be any. 
In XXXX I recieved a notice by mail that I owed Citicard a finance charge of {$1.00}. I called once again to clear the charges as I had been informed in XXXX. This time after talking to 4 different employees I was told the finance charge was because I paid the first fee late, even though I had been told by the person who took my subscription payment there would be no further charges. 

I paid the {$1.00} and asked for proof that my account was closed and there would be no further charges. I was told this would be confirmed on my XXXX bill. I recieved the XXXX bill with a XXXX charge. They are calling it a minimum interest charge. 
This will be the 3rd month in a row that I have had a bill from Citicard after speaking extensively with representatives in various depts : Customer Service, Escalations Dept. Each time I'm told there will be no more fees and my account is closed. 
It is not closed, they keep charging me, and it has effected my credit rating, which I need to have for a new loan. 
I'm unable to get this account closed. They continue to charge me, using terms such as finance fee, interest fee or a late fee, even after I specifically ask that my account be closed and ask for assurance there will be no charges of any kind. Each time I call and speak with a Citicard representative I'm told there will be no more charges. Yet I recieve another charge. 
I do not have this card, there have been no other persons making charges on it. I paid the bill XX/XX/XXXX that was past due from XXXX, XXXX. They dropped the late fees due to the fact that I have a perfect payment record for the 15 yrs that I used the card and I beleived the overdue charge was a fradulent charge because I thought the account was closed from almost 2 years ago.. 
My credit rating has dropped, I continue to get bills for what they call finance, or interest or late charges even tho I've called numerous times and am told there will be no more charges. 
I need my top credit rating to be reinstated, and I refuse to pay any more for this incompetent and dishonest response from Citicard. 
I've asked to speak with supervisors, who review my account. They assure me it is closed and that there will be no more charges or fees. Yet here it is XX/XX/XXXX and I have a new charge of {$.00} for what they call a minimum interest charge for XX/XX/XXXX. 
I have copies of the current bill and the letters they send asking me to call them, which I do, but I am unable to stop this relentless cycle of charges on a card that they tell me is no longer active. 
As you can see from the enclosed account informatioon. The new charge is called a Mimimum Interest Charge, but there are no charges on the account. So this is a completely unexplained fee. This is the 2nd time this has happened. I paid {$1.00} in XXXX beleiveing the explanation that it was a finance fee for my late payment. But I was assured there would be no further payment needed, no more charges. Here it is XXXX, XXXX and they are still charging me fees.

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