Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VT)

XX/XX/XXXX Dear Sirs : This complaint is in regards to a credit card account I have with credit card issuer CitiBank ( account ending in XXXX ). In XXXX of XXXX, I took advantage of a 0 % Balance Transfer promotion. The offer came with a XXXX time 3 % transfer fee, but the balance transferred was to be at 0 % through XXXX, XXXX ( I was not to be charged further interest until XX/XX/XXXX ). But earlier this month I noticed that on XX/XX/XXXX, I was assessed an interest charge of {$220.00}. 

I immediately called Citis customer service department. I was informed ( incorrectly ) that I was charged that interest fee because the promo I signed up for ended on XX/XX/XXXX. I disputed this, and requested that the charge immediately be reversed. After putting me on hold for an extended period of time, he came back and apologized that he could not get the reversal of the interest charge approved today, but if I paid the remaining balance in full we could submit the credit reversal as a courtesy. I agreed and scheduled to pay off the entire balance to zero the following day. 

However, not only was I not credited the {$220.00}, on XX/XX/XXXX I was assessed another interest fee, of {$470.00}!! Becoming pretty irate by this point, last week I again called Citi and this time spoke with a supervisor ( unfortunately I could not understand what he said his name was ). After listening to a recording of the call I placed the week prior, he came back on the line and was EXTREMELY RUDE and condescending. He rudely insisted that there was no guarantee offered that the charges would be reversed, and therefore CitiBank was NOT going to follow through on this, even after I had done my part of the agreement by paying the remaining balance to XXXX. Simply put, he was a complete XXXX XXXX XXXX XXXX, and I hung up on him. 

I opened this account with Citi nearly 5 years ago ( in early XXXX, XXXX ), and during that time I have had XXXX late payments and XXXX interest, always paying off my balance in full each month. In fact, during this period of time, Citi increased my credit limit from {$13000.00} to {$18000.00} ( on XX/XX/XXXX ), then to {$19000.00}, and in XX/XX/XXXX up to {$24000.00}. 

So clearly, I didn't deserve that kind of treatment from their Bank. It seems pretty obvious to me now why CitiBank is easily the most litigated credit card issuer, due in large part to similar credit card overcharges. Citi has repeatedly violated the Credit Card Accountability Responsibility and XXXX XXXX of XXXX, resulting in dozens of lawsuits, judgements, and settlements. Add my name to the list of their disgruntled customers. I am filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX, and the XXXX XXXX office of the Attorney General. 

I respectfully request that Citi reverse both of these interest charges ( totaling {$690.00} ) based on their earlier than promised expiration of this promotion, and my kept agreement to pay off the balance in full earlier this month. Failing such, I will immediately close this account and consider taking further action. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX. 

cc : XXXX XXXX Attorney General, XXXX XXXX XXXX XXXX XXXX, US Senator, XXXX  XXXXXXXX XXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau, CFPB Ombudsman