Consumer complaint received 2017-04-21
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Regarding home equity loan #  XXXX , I am forced to file a second complaint as only part of the issue has been resolved. Specifically, I was charged excess interest, inappropriately, and despite my repeated attempts to get acknowledgment and reimbursement of the sam e, Citibank has  been silent in any and all written communications on the subject matter. Per the attached docume nt ( mo nthly statement for the period between  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  ... the last statement ), I was charged {$44.00} for interest at 2.49 % for the 17 day period between  XXXX  and  XXXX . The loan was fully repaid, however, on  XXXX  ( per  XXXX  's automated system of which I just received confirmation again today, after speaking with another Supervisor -  XXXX  - who told me she had to start the dispute process all over again  )  ; hence I am due about {$25.00} back. I had disputed this along wi th Citibank 's charge of a county re cording fee for {$350 .00} (  of which I was never advised, notwithstanding their statements to the contrary wherein they claim they advised the third-party financial broker who was helping to complete the wire transfer in satisfaction of the full pay-off amount that Citibank had mandated, without any details as to what that was composed of ), which they have now refunded, but the excess interest charge was wholly ignored ( ag ain ) in their resp onse, as was the requested explanation of their course of action ( now and on a go-forward basis to prevent a recurrence of these types of errors, which unfortunately have been the norm rather than the exception in my dealings w ith Citibank on t his loan, going back to the loan 's inception and in between then and now  ). T he statement ( their statement ) and the math are both crystal clear - this wrong seems wholly indisputable and I am at a loss as to what else I have to do to get back the monies that I was charged in error ( and seemingly illegally ). I should be due interest for the four months that have now passed in trying to get this resolution ( and so it would seem that the {$25.00} suggested reimbursement amount would more appropriately be something like {$380.00} based on the referenced interest rate, with accruals continuing until the indisputable claim is fully satisfie d! ). As  such, I would be grateful if you would file a second complaint in the hopes of  getting Citibank t o formally acknowledge their error and provide me with adequate restitution of monies owed to me. Additionally, if there is another regulatory body that should be made aware of this ( seemingly egregious conduct and shirking of responsibility ), I would appreciate you passing it on to the m (  or, alternatively, providing me with the requisite contact information so that I  may do  so ). Thank you in advance for your assistance.

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