Consumer complaint received 2015-12-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (WI)

I want to bring to your attention that Citibank with my Best Buy credit card is performing ruthless and unscrupulous business practices which I do not feel is legal. XX/XX/XXXX I was XXXX by my new landlord, causing me to move into a shelter until I found a new residence. I called Best Buy right away to let them know of my situation. Having to move again caused a major financial situation because I had to come up with moving expenses all over again. I was told they would complete a late fee reversal and I would need to double up on the following month 's payment. When I received XX/XX/XXXX 's statement, I was charged a late fee and when I phoned, I was told they removed the amount from my principal. I have never heard of something so ridiculous. My statement showed a late fee. This showed me how they value their clients business, they do n't. Up until XX/XX/XXXX, I had never been late on a payment before my extenuating circumstance occurred. In XX/XX/XXXX, I phoned in my payment and the CSR asked if it would be coming out of my XXXX XXXX XXXX XXXX account. I said no, that I had went online trying to update my financial institutions information and it would n't allow me. Nor would it allow me to update my address. I gave him all of my new information and was given a payment confirmation number. In XX/XX/XXXX when I received my statement, there was another late fee added. The CSR I spoke with in XX/XX/XXXX, processed my payment from my closed XXXX XXXX XXXX XXXX in XXXX XXXX, NM. I tried calling and was told there was n't a payment made. I gave the confirmation number and was told the payment was processed to go thru the wrong account. A mistake was made on their part and they charged me for it. I tried calling and speaking with a supervisor, but did not get any satisfaction so I submitted a letter along with my following months payment. Now I receive my XX/XX/XXXX statement, and notice they charged me close to a {$300.00} interest fee. I had purchased a pc system for a new job and was given no interest for x amount of month 's promo. The promo has ended I believe, but you do n't charge the client for a whole years ' worth of interest in one month, am I correct? I believe so, because none of my other creditors have charged me unnecessary extravagant fees that they just make up as they go. This is n't my first credit card. I am not ignorant, and pay my bills on time. I have held credit cards for the past 30 years and have never been treated so terribly with a company telling me they are going to do one thing and turn around and do another. They are taking advantage of their clients AND getting away with it. I know what they are doing can not be legal in the financial industry. I just received my XX/XX/XXXX statement and am not going to try to contact them over this dispute because I have had nothing but problems with this account for the last 7 months. Their website is disastrous, the CSR 's are incompetent and between the creditor, Best Buy and the bank servicing the card, Citibank, they are both conducting illegal consumer fraud! So I am submitting this complaint. I had planned on taking my taxes and paying this card off in full and cancelling the card because of all of the problems I 've had continuously. But I refuse to pay for fees made up in the air. I am seeking justice in the matter of all of the late fees I was improperly charged and now, a preposterous {$300.00} interest fee. They have tacked on well over {$500.00} in excess bogus fees. Not to mention what they have done to my credit report. Consumers have rights too! Especially those that pay on time.