Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I bought a TV from Best Buy with Best Buy CITI credit card as part of a promotional offer and interest free for 24 months for {$1200.00}, at their store in XXXX XXXX, CA. 

I also bought their XXXX XXXX XXXX for {$190.00}, plus a microwave ( {$59.00} ) and a toaster for {$14.00} before tax. In XXXX, I did another purchase from XXXX store with my Best Buy Citi card for {$280.00}. 

According to my checking account statements, I paid a total of {$1400.00} till end of XX/XX/XXXX, and another {$210.00} between XX/XX/XXXX and now. But my current balance is still XXXX. I was wrongfully charged with the interest from the first month that I made this transaction. 

Here are several reasons that I believe Best Buy Citi Card trap, scam, mislead and set a stage for its customers/consumers to miss their 24 month deadline and not to be able to pay their full balance before they charge any interest. 

1. They do NOT post all the customers ' payments information clearly, transparently and honestly on citi credit card website for customers to have easy access and look at them. ( They ONLY post it on the customers statements, and such statements could always be altered, edited, updated, changed or replaced by them whenever they wish ). I do not see my payment history that I made on their website from the very first payment that I made till now. ( Except last XXXX payments ). 

2. They try to create troubles for the customers when you want to log in to your account to check your balance. This happened several times with me and I was locked out of my account several times until I was keep forgetting to check my balance. I changed my email, my passwords, contacted their customer service several times during last 2 years or so. They have all the records of customer contacts and they can change or altercate that anytime 3. I was never made aware of the fact that if I make any purchase other than the promotional items, my payments will first go towards those items to cover that before they are applied towards the total balance of the promotional item ( s ).

4. They sent me 3 different Best Buy Citi Credit card since I opened my account with them and they were citing the reason is safety and security of my account. Which are totally misleading and suspicious. Why I should receive XXXX cards only when I try to have access my account to check my balance ( that is a huge trap and misleading ). 

5. Finally, they DID NOT send me enough notifications or DID NOT communicate via SMS Text, Email, Mail or Phone call to warn me or notify me that my promotional balance is due before its expiration date of XX/XX/XXXX. The only way they communicate with the customers like me is their digital statement which I can see on my account. 

In the light of these reasons and probably several others, I would like a honest and transparent review of my transaction with Best Buy Citi Credit Card and please advise what are my options and how to find justice for my case. 
Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation