Consumer complaint received 2015-04-24
Company: CITIBANK, N.A.
State: RI
Product: Credit card
Issue: Other

Complaint:
Dear Sir or Madam, From the attachment Citicard Statements that I received a XXXX weeks ago, it is shown clearly that right after my moving Citicard put the {$630.00} moving charge to my card, which is the corrected XXXX. But Citicard removed it next month and put the fake amount {$1100.00} for the moving charge. Citicard did it on purpose to promote the fraud and made things confusing and unclear. They knew extremely well the {$630.00} was the correct XXXX, but they charged me {$1100.00} for a year, for almost XXXX year. 

Citibank did fake investigation. They used the fabricated contract as the only evidence, Then they said the {$1100.00} is correct, which was obviously helping the fraud. Since then Citicard has been charging me the late payment fee and interest based on the fake and fabricated contract. They were robbing my money. 

In XXXX 2015, a year later after moving, Citicard admitted they used fake contract and credit me back {$420.00} ( XXXX ), but that is still more than the original charge {$630.00} as XXXX - XXXX = {$720.00}. 
Even much worse, Citicard charged me the late fees and interests monthly for almost a XXXX for the mistake they made to me. When they credited me the {$420.00}, they removed only XXXX months late fee and interests, but kept all the other month late fees and interests charged to me. Citicard made the fraud on purpose by replace the correct {$630.00} with the {$1100.00} that was the fraud fake XXXX. They knew I would deny the fake XXXX, so they can charge me the late fees and interests monthly. 

Now I have paid all the expenses I made, the remained {$190.00} in my account are all from the late fees and interests. I request your office to tell Citicard,XXXX. Remove the {$190.00} late fees and interests charged to me illegally. 
XXXX. Refund me the remained difference between the fake charge {$1100.00} and the true cost {$630.00}, which is {$90.00} ( XXXX ). 
XXXX. Citicard has to correct the damages to my credit score with the XXXX credit bureaus. 
XXXX. Request Citicard to send me an apologize letter. 

In the Citicard letter dated on XXXX XXXX, 2015 that you forwarded me, Citicard said " ... we may report your account as past due to the consumer reporting agencies listed below ... '. It sounds like they have not reported that. They are cheating. They have been reporting my past due to all XXXX agencies for a year ; and all those was caused by their fraud using the fabricated contract as the only evidence. As the results, my home owner insurance premium increase 300 % and my auto insurance premium increase 200 %. And it was all because the Citicard 's fake actions and fraud business. These are the mistake and damages Citicard made to me on purpose. 

All the facts show Citicard is doing business in fake, illegal, corrupted, fraud and even criminal ways ; they were helping and protecting the fraud done by the moving company, cheating and lying, made the amount incorrect on purpose, charging me late fee and interest illegally. Citicard is robbing my money. Citicard must be investigated and punished. This is legal issue, but not a commercial issue. Citicard is deserved to be investigated thoroughly and they should receive the proper punishment. It should remove away Citicard business license, to stop their business of charging customer illegally, to prevent them to continue to rob money from other customers. 

Thank you for your time and attention. 
I am waiting for your feedback. 

Sincerely XXXX XXXX XXXX XXXX

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