Consumer complaint received 2023-09-14
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

CREDIT CARD FRAUD DECEPTION, CONSPIRACY & UNLAWFUL CONDUCT : 3. Previously concealed complainants credit card account statements and documents provided now by City bank/Best Buy between XXXX XXXX reveal extensive fraud and a well calculated conspiracy network of deception, larceny, embezzlement, misappropriation, false reports, etc. 

4. This record has revealed deliberate fraudulent entries to the complainants credit card account. False interest charges and penalties were imposed and answers were ridiculously evaded, while several laws of land and 5th and 13th amendments to the US Constitution and the protected statuses of complainant were violated. 

5. The complainant is a victim of credit card account fraud and financial malfeasance. A false liability of {$2900.00} was created against the purchases of {$1600.00}. Thereafter, a larceny of an estimated amount of {$1300.00} in the complainants credit card account caused irreparable damage and loss of over {$20000.00} 0 to the complainant. City bank/Best Buy have not denied unlawful interest charges as the complainants credit card account was deceptively maintained. Despite admitting the false interest, Citi bank/Best Buy have now refused on XXXX XX/XX/XXXX to refund the unlawfully charged amounts, hence this complaint. 

6. Account statements ( and scores of emails and online messages ) were removed from the website and the complainant was denied access to ( correct ) information. Citi bank/Best Buy repeatedly willfully failed to provide the total unlawfully charged interest and penalties imposed and instead provided ridiculous & irrelevant replies, detailed later. Best Buy has been requested to preserve all the records, including the phone calls. 

7. Failure to provide information indicated there is much to hide, therefore, a professional estimation had to be carried out. A conservative estimate based on 20 % default compared to 57 % nationwide default, indicated that on a nationwide scale it is estimated that over {>= $1,000,000} were similarly unlawfully charged from ordinary innocent Americans and concealed the earnings and concealed. The actual amounts are higher. 

8. Credit card account statements and other communication provided by Citi bank/Best Buy between XXXX XXXX further revealed : deception, discrimination, violation of constitution, 5th & 13th amendments, fraud, larceny, extortion, misappropriation, willful falsification of accounts, breach of fiduciary duty, breach of contract, gross negligence, abuse of power, procedure and system, weaponizing customer default, policy violation, defamation and libel, harassment & retaliation, connivance, conspiracy & racketeering, illegal threats, undue stress, emotional distress, malafide, inter alia, against this complaint. 

9. Apparently, a well-choreographed deception regime is followed by Best Buy/Citi bank in maintenance of credit card accounts to force customers to make unlawful payments and ensure involuntary servitude to corporate interests, violating the 13th amendment to the US constitution. 

WE THE PEOPLE ARE THE VICTIMS : 10. It has become apparent that we the people are being defrauded, discriminated against, extorted from, and subjected to financial malfeasance on false pretexts, and being caused aggravated mental anguish and emotional distress in a bid to push the ordinary innocent Americans to involuntary servitude for meagre gains of Citi bank/Best Buy. It is also apparent that Citi bank/Best Buy are accomplices and operate as a predatory cabal that has colluded and connived, detrimental to the interests of millions of Americans. 

11. We the people, the ordinary innocent Americans who dont go through the perils of trials ( US Supreme Court observation ) are the victims at around XXXX stores nationwide and deprived of over {$450.00} XXXX, annually. 

12. CFPB is therefore requested to forthwith stop fraud in the credit card accounts and serial violations of law and constitution. Hundreds of thousands of ordinary Americans must be saved from credit card account fraud, misconduct, undue intentional stress, distress, and financial malfeasance, inter alia. 

THE NATURE OF DISPUTE & MALICIOUS PRACTICES : 13. Best Buy and Citi bank provided credit cards for purchases at Best Buy stores. However, in maintaining the credit card account of the complainant revealed that Best Buy/Citi bank : ( 1 ). Unlawfully charged interest ; ( 2 ). Failed in their duty to collate and report the customers account ; ( 3 ). Orchestrated a false default with deception ; ( 4 ). Willfully delayed recording of the customers payment transactions for months by deception ; ( 5 ). Arbitrarily changed the contractual terms of payment and mischievously implemented the arbitrarily changed terms months ahead of time ; ( 6 ). Violated the newly minted contractual terms ; ( 7 ). Retaliated and secretively sent a false and baseless report to the credit bureaus and ruined the credit profile of the complainant ; ( 8 ). Defamed and humiliated the complainant on false pretexts of complainants credit performance to justify reduction in credit limit ; ( 9 ). Failed to provide the total interest charged from the customer and failed to state how this information is accounted for in the accounts. ( 10 ). Apparently, false information was also submitted to the US SEC and ( 11 ). Damaging false information was circulated to third parties which caused irreparable damage to the complainant.

14. Citi bank/Best Buy were repeatedly alerted to the ongoing unlawful charges but they evaded responsible action as expected from Best Buy & Citi bank . Instead they deceived the complainant and the system.

15. Presently available details of the above actions of Citi bank/Best Buy have been submitted in this complaint. However, the complainant reserves the right to amend and add to the submissions made in the complaint.

UNLAWFUL INTEREST ADMITTED by THE CITY BANK : 16. The Citi bank/Best Buy have not denied the unlawful charging of interest, falsely weaved into the credit card accounts. Citi bank/Best Buy realized and admitted their negligence and have repeatedly thrice forced the complainant to convolute and tamper the credit profile with a note, instead of addressing the issues but flatly refused to refund the unlawful interest in XX/XX/XXXX. 

17. It has become apparent and the recorded facts demonstrate that the complainant and customers are a target of a well-choreographed script to discriminate, deception, defame, delay, default, digress, dishonor, disgrace, disregard, with distortion of accounts which signifies fraud with customers. 

REQUEST TO CONSUMER PROTECTION BUREAU : 18. Consumer Protection Bureau is requested to take a swift action to save the complainant and millions of Americans from unlawful credit card account practices, who can not go through the perils of trials ( as observed by the US Supreme Court ). Details are submitted in the following paragraphs. 

KEY DETAILS & BRIEF FACTS 19. The complainant had purchased a few household items ( Washer/Dryer and two TVs ) from Best Buy in XXXX XXXX, for {$1600.00} with the credit card issued by Best Buy. Purchases were made under the sales terms NO INT W/PYMTS FOR 18 MO, repeatedly inscribed on every monthly ( over 80 times ) in the account statements. ( Appendix-1 ). The amounts of purchases were unlawfully raised to {$2900.00}. Despite the NO INTEREST term, Citi bank/Best Buy charged interest from the first month and imposed penalties and violated the laws/ agreements. 

CAUSES OF ACTION SUBMITTED : 20. 17 CAUSES of ACTION for fraud, misconduct, malfeasance, fraudulent practices, inter alia, by Best Buy/Citi bank , are submitted in the attached complaint supported by 7 Appendices for necessary action by the Consumer Financial Protection Bureau with relevant details, in the following pages. 

21. The CFPBs action is extremely crucial and necessary in the interest of justice and to stop the epidemic of corporate misuse of US laws and systems. Such willful systemic failures must be stopped forever in the interest of justice to millions of Americans consumers. CFPB action and restitution of money will restore customer confidence in the system.