Consumer complaint received 2015-12-17
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (GA)

1. ) I own a timeshare in XXXX named : XXXX. They contract maintenance payments through XXXX. The XXXX site links to XXXX site and onscreen I see : Loading ... / Updating country / Authenticating your information / logging you in. Then the screen displays " Your order summary '' in bold and in my case the Maintenance Fees, an Item number ( in my case XXXX ) and finally the price / quantity. The page URL in my browser was : XXXX 

These items were on the left of the screen. 
On the right of the screen, this statement, " Check out faster the next time you choose XXXX. We 'll use the information you entered to create your XXXX account and pay. It 's quick, free to sign up, and completely optional. '' The next line is my email address, pre-populated. The next line is " You will use this to log in to XXXX ''. The next line is " Choose a XXXX password XXXX characters minimum '' followed by a input field and the next line is " Re-enter password '' followed by an input field. 
Still to the right, is a check-button and this statement, " I have read and agree to XXXX 's User Agreement, Privacy Policy, and Electronic Communications Delivery Policy. I am authorized to add the phone number entered earlier and understand XXXX may contact me with automated calls and texts as described in the above agreements. '' At the bottom right are these XXXX hot links : Agree and Create Account No, Thanks In keeping with the " Optional '' nature of this transaction ( I do NOT wish a XXXX account ), I clicked the hotlink " No, Thanks '' the screen refreshed and a lots of red messages appeared indicating I had not completed the form, leaving out required information. I reviewed, figured they wanted the check-box checked to indicate I agreed with their online policies and agreements BUT I again left the password fields blank BECAUSE I do not want a XXXX account. 
Again, I got the page refresh and again I got a screen full of red warnings that I had left required information out o the form. 

At that time, closed the browser window, logged out of my condo account, and opened a new browser session and window and logged into my XXXX XXXX XXXX XXXX account. There I found that XXXX had processed XXXX ( XXXX ) pending requests, both for {$620.00}. As I feared. I went online and advised XXXX that one of the duplicate payments was incorrect - but, until the payments go from " pending '' to processed, I can not do a formal complaing. 

2. ) In My Opinion, XXXX has designed the online processing form to be deceitful and I believe this is a conscience action on their part. While they state that signing up for a XXXX account is 'optional ', the form will always throw an error back to the user if they do not have a XXXX account. Careless users such as myself might do as I did, double-check the page, and click " No Thanks '' again to process the payment - NOT KNOWING THAT THE FIRST CLICK PROCESSED. THERE IS NO INDICATION ON THE PAGE OF PROCESSING, NO TRANSACTION NUMBER OR TEXT IS DISPLAYED. As I told XXXX, I think that XXXX is being deceitful and purposely trolling for double ( or more ) transactions. Yes, in the end, only XXXX transaction will be made, but such online transactions must surely generate a statistic that benefits the processing company? Perhaps skewing the funds transfers for business reporting or for payment processing charges. 

XXXX XXXX