Consumer complaint received 2016-04-13
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Complaint : Unknown un requested and un explained Monthly Charge ( {$80.00} ), Interest Rate of $ 25 %. 
I had had a Citibank Credit card. I started using about 2009. I used the card primarily for travel and some construction. I was XXXX five years ago ( see Exhibit # XXXX. I have n't used it in about 2-3 years. I made Monthly by mail then change to there on line APP exhibit # XXXX. There is no transaction data on the billing after APP. Since I had n't used the card frequently I dismissed the transaction listing as a lack of use. I accepted their security service when I started the on-line APP Exhibit # XXXX. The monthly charge is {$12.00}. The security app is not shown in on-line APP. However, I get a quarterly statement about security of my account. 

Two months ago I made a payment online as usual. The following week I got a call from Citibank stating that I had missed a payment. I had always paid the account on time, never missed a payment. I checked checking account immediately and no money had been with drawn from my account. I re-submitted payment immediately. I turned out that the on-line app did not execute on their end. All I received was some type fo from which I did not fill out. It was called " Payment Safeguard. '' I did n't see any mention of a product. I later get a statement stating that I was enrolled ( Exhibit # XXXX. ) I asked about the interest rate often, It has always been 25 %. I tolerate this obscene rate because I intend to pay off all my debt now that my health has been stable. 

I realized my core debt had n't decreased even though I had been paying above the minimum. I called Citibank customer service. I request a copy of monthly statements for the previous year. Citibank customer service stated they could only sent me the Last three months, and that I would get them in about three weeks. Three transaction sheets show up with the security charge of {$12.00}, but also a charge of {$80.00}. I called Citibank immediately asking the reason for the {$80.00} charge. I did not get a answer that I could understand. The end point was that I had stated the Safe Guard service by signing a coupon offering the service. I my anger by this time I asked that they send me a copy. They did in about a week ( Exhibit # XXXX. ) The lower image is a copy of the coupon Citibank says I signed, never happened. I suspected a forgery, that 's what I found. 

Having been in XXXX several year at XXXX, I was well aware of clear plastic Millar forgery. The upper image in Exhibit # XXXX is a carbon copy from my check book before I started using the on line APP. 

However, seeing the date of the supposed start of safe Guard I could only say " WOW. '' I was in my forth year of being XXXX from a fall, so they owed me. They did, and to send my medical records for the time period ( Exhibit # XXXX, ) I did. Never hear or been able to call any part of Citibank since. 

It appears that in my case and in The wife 's case with CFPB most of the rules where broken. Citibank put both of what they claim as our debt in the credit reports as bad debt. We both had credit with stores and gas cards closed having never been late or delinquent. Now we are being foreclosed on our home. We lost XXXX % of our retirement. We had cash flow problems but we manage with agreement with the better humans and will be OK even though we are in our twilight years of XXXX and XXXX. My wife 's CFPB case number : XXXX. Oh Citibank, your welcome for this XXXX XXXX XXXX XXXX, 4 years and 10 years of XXXX and XXXX XXXX XXXX. 

In addition retirement lost we have lost our home. It is up for a short sale now. A lost of about {$200000.00}. The hassle of a move at our age probably means death to one or both of use. I believe Citibank 's should be looked at in terms of Racketeering, It looks and acts like organized crime and has appeared as a real evil, or as the XXXX

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