Consumer complaint received 2022-06-09
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am dealing with and issue with a Best Buy card which is Citi Bank. 
How can a store utilize credit card bank they can't see the reason charges are on my credit card what or why I am being randomly charged different amounts. 
XX/XX/2022 I got letter from Citi Bank via XXXX XXXX Mail. 
In XXXX when I discovered there was charges on my Best Buy Card I contacted Citi Bank very hard to understand customer service who seem to more interested in sending you to wrong person or even hang up, I always make sure they have call back number in case I am hung up only to be passed around to wrong people, wrong department only to be move to some other department. 
On XX/XX/2022 I contacted Citi Bank which demanded full payment. I full filled there demand also I ask for my demand to be meet. Close this account so I paid it in full. XX/XX/2022 account closed. In XXXX it appears Citi Bank may have enrolled me in some credit protection plan there was no balance on my card prior to XXXX did not want or need or know I was enrolled in. This is another department you have to contact a totally different number to have this removed I was not aware that I needed to have this removed or did I know I had to contact a different department with Citi Bank I discover this on XX/XX/2022 just today after speak to I believe it was Citi Bank. You would think I am not the first person to ask for account to be closed and Citi Bank should be responsible to remove any charge that could occur from Citi Bank at time of closing account. 

The following charges have been charge on this account : XX/XX/2022 XXXX cents XX/XX/2022 {$2.00} cents XX/XX/2022 XXXX cents XX/XX/2022 XXXX cents Total {$3.00} cent XX/XX/2022 Best Buy gave a {$1.00} credit back to me no reason or what this charge was for. seen a person who I understoof to b However total charges {$4.00} cents Account paid in full XXXX XXXX Account closed XX/XX/2022 charges are still be placed on account each month. I was charged for an annual fee off {$190.00} there was tax which made balance of {$210.00} paid in full requested account to be closed it was and more charges each month. 
Note the charges from XXXX and XXXX were placed on card before full payment and as my request for account to be closed. 

XXXX XXXX is a bit deceptive due to a time frame that XXXX vary from product to product a laptop just XXXX XXXX old XXXX XXXX is unable to get part for repair they simply say it is to old. However you purchase protection through Best Buy but they cant full fill there part by getting parts. My original XXXX laptop the fans were going bad this laptop was just a few years old. 

In XXXX after payoff I went to XXXX store seen a customer service rep at XXXX XXXX counter who assisted me in contacted Citi Bank in which I was told of credit protection and this must be where Citi Bank got detail about contacting me in future. If I close an account with a credit card I should not have to fight them to stop placing charges on card if card is paid in full and nothing is being charged how and why would Citi Bank be creating new charges each month the amount varies so much each month as you can see from above. 

Citi Bank and Best Buy the practice between these XXXX company is way different than any other card I delt with, meaning even if I close account at Citi Bank, Best buy can charge subscription ( total tech to card ) on Citi Bank card even if account is closed. This is wrong and very bad practice closed account charged from Best Buy can occur if the auto renewal button is activated. I was not aware of this until this evening. Imagine a closed credit card account and a store want to charge on closed account sound incorrect. This is a fact auto renewal is a button describe by Best Buy if it is on Best Buy can charge on Citi Bank card and the person who closed the account cant do anything but fight this pathetic Credit card company and, Best Buy can't even see these charge to know why or how they are being applied to card. 

I did get assistance from customer service at XXXX, Washington The first person I spoke to was an associate XXXX XXXX who contacted Citi Bank and spoke with agent and Tonight XX/XX/XXXX I went to store I ask for manager at the sliding door this manager managed to simply print off a slip of paper to see credit limit and owed amount. this shows XXXX credit and {$4.00} owed. This is a hidden fee when there is any amount on credit this is nothing I opted for wanted, or was told I need to have removed. I don't wish to ever have any future dealing with these XXXX company or there credit card. I do feel these XXXX company have loop hole to create charge to threaten card holder and demand payment I owe neither XXXX of these company anything if you close account it should be part of closing account to have credit card protection removed at that time of closing. If Citi Bank Failed punished that person not payee ( Myself ). 
As talented as XXXX XXXX is I am sure they could easily design a place for expiration for service and not need an auto renewal button no one want to admit who has control over it I believe XXXX of the call tonight I discovered it is Best Buy if this auto is not on Best Buy will end you total tech support. Here is my problem Citi Bank demands payment collect money draws interest I ask for removal of service and they do this to many XXXX of people are XXXX and they collect the interest from these fund, I am sure best Buy get something for kick back also be it interest reduction or more money for new loans. After paying full year subscription to XXXX XXXX  for laptop tune up. Now I continue to get monthly charges and fees on a closed account. Again I am consumer on account fully paid off should have control over this account not Citi Bank or Best Buy these company scamming people out of funds daily, weekly, monthly, yearly. All which draw interest placed in bank in this case my money and now more fee on a closed account I should be able to control what card I carry not Citi Bank and Not Best Buy me the consumer. I have so much time invested in this pathetic problem Citi Bank card and Best Buy has created this XXXX entities should be audited on card and services both companies deceptive wording I sure it probably fit the modern day wording needed to get through court. I DONT WANT CITI BANK CARD AND I JUST WANT TO COMPLETE MY ANNUAL SUBSCRIBTION WITH BEST BUY XXXX AND XXXX XXXX  paid in full. Citi Bank or Best Buy which ever company is charging me on this card should be financially responsible and any damage to credit history, further threat of collection or sending me to collection. I should be just due compensated for all wrongful charges, time I spend trying to fix there problem, and time I have to use to complete any further issue with payment, wrongful debt be applied to my card.

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 monetary relief