Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

SUBJECT : Request for Support Fair Practices of Best Buy Credit Services Dear Consumer Financial Protection Bureau, PURPOSE : I write to provide you background, information, and action on my account. 

PROBLEM : Best Buy Credit Services inability to administer to my account caused consumer to spend inordinate amount of time lost administering to communications needs and activities to remedy the account. Best Buy Credit Services continues to attempt to collect erroneous charges. Their inability to administer to my account has caused great angst and wasted time. 

BACKGROUND : I opened a Best Buy account on XXXX XX/XX/XXXX with a {$4000.00} credit line. I purchased a laptop with a special 2-year no interest promotion. I configure my fiscal resources to pay my debts in a manner consistent with my monthly budget planning. Best Buy Credit Services was consistently asked to change the billing date to the 1st of the month. I paid in a manner consistent with my request to change the billing due date to the beginning of the month. 

I spent more time correcting the account due to Best Buy Credit Services inability to administer to my account. I asked to have the billing cycle changed from the XXXX of the month to coincide with my pay, on or about the 1st of the month beginning in XX/XX/XXXX. This request was made on at least three occasions. I contacted a Customer Service Representative on XXXX, XXXX, and lastly on XXXX to correct the fees inappropriately and erroneously charged to my account. Best Buy Credit Services due date was XXXX of the month. The Late Fee was posted to the account on their due date. I was successful two of three calls of getting those charges removed ; while simultaneously requesting a due date change. 

Apparently, Best Buy Credit Services Late Fee increased in XX/XX/XXXX to {$40.00}. NO NOTICE WAS GIVEN OR RECEIVED BY CONSUMER! I can provide payment details and activity on my account. 

I last spoke to Best Buy Credit Services on XXXX to a rudely discourteous and unprofessional individual named XXXX. After her conduct and Best Buy Credit Services inability to administer to my account as requested, I decided to close the account. I closed the account XXXX. I informed her that {$400.00} would be the last payment in full to Best Buy Credit Services and asked to ensure my comments were posted to my account. I informed her the erroneously assessed fees will not be paid. I requested the billing cycle be changed. Apparently, this fell on deaf ears. The account activity demonstrates Best Buy Credit Services was paid before the 1st of the month on every occasion. I paid the full {$3100.00} for the laptop prior to XX/XX/XXXX. 

I properly and adequately defined the problem and Best Buy Credit Services choose to ignore my request. I sent them a letter on XXXX XX/XX/XXXX regarding these issues and requested for a letter stating the account was closed by consumer, and was paid on time, and paid in full ; with no late payments. I received a letter, dated XXXX XX/XX/XXXX, indicating the account was close, but did not indicate the account was paid in full or closed by consumer. 

By statute IAW the XXXX Credit and Reporting Act under Titles XXXX and XXXX XXXX as well as Title VI of the Consumer Credit Protection Act the account should have been administered as requested. I made final payment on XXXX XX/XX/XXXX thereby satisfying my obligation. As previously stated, after failing to administer to my account and requests, the consumer closed the account on XXXX XX/XX/XXXX. The remaining erroneous balance was caused by Best Buy Credit Services. As a result, I am not responsible for the erroneous accounting. 

As a direct result of their inability to administer to my request to change the billing date to coincide with my pay dates and budget ; the erroneous charges have been placed on my account. To date, Best Buy Credit Services has yet to remove the erroneous charges, continues to attempt to collect these erroneous charges, and continues to ignore my request. This is in direct violation of statute. 

Feel free to contact me, if needed. Thank you for your time, professionalism, and assistance. I anxiously await your immediate response. 

Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX United States XXXX ( Retired )