Consumer complaint received 2025-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Best Buy financial services are managed by Citi bank, which has a history of selling bad mortgages in the past. 
My wife and I purchased a XXXX XXXXr with XXXX  months 0 % promotional program from XX/XX/XXXX to XX/XX/XXXX. 
The total amount {$1200.00} was split into XXXX equal payments ( {$53.00} a month ) and I have set up $ XXXX to end payments sooner. 
Relying on computerized system to end payments automatically, I found that my card was kept charging with the same $ XXXX and on top of it, I received a statement on XXXX, XXXX with a large interest charged {$630.00}. 
I called Citi bank and they said they could not find the reason why this interest was added, because it was in XXXX through XXXX, but I owe them amount shown above. 
By the way, customer service need to be trained more about how to conduct conversations related to disputes and complaints. I calmly tried to explain and was ready to understand if I made a mistake and pay the bill. 
Also, Citi bank kept calling during weekend and evening hours XXXX - XXXX times a day to pay the bill. 

Today on XX/XX/XXXX I went to the nearest store in XXXX XXXX, XXXX  to ask store manager to answer my questions. The store manager did not came out, but I spoke to someone called a lead. She was very polite and tried to help. She helped me to understand that 5 % reward is followed by charging interest. I did not know about it and I was not told about it at the time of buying other products. 
I remember using Best Buy account to make few purchases in XXXX, XXXX on the same card with misrepresented 5 % reward, which was charging, y account with the interest silently without any information provided with autopay. 
There is no consumer who would go to the store to take advantage of 5 % rewards to pay hundreds and hundreds of dollars later in interest, because it was silently accrued over time with trusted autopayments. 

What a strategy someone came up with at Best Buy division of Citi Bank with a history of bad mortgages?! It happened again. Someone needs to leave this legendary bank. 

After learning of hidden interest accrued since making other purchases with 5 % rewards, I paid my bill at the store in the amount of {$600.00} today on XX/XX/XXXX, but I am sure due to these bad practices I deserve to get a full refund and Citibank servicing Best Buy need a class action lawsuit to refund other consumers. 

It reminded me the {$7.00} XXXX settlement with mortgage fraud. I am sure there are other consumers who suffered from these type of bad and unethical practices. 

I know that Citibank also servicing XXXX XXXX and XXXX, but these retailers have much more ethical approaches to the clients at the time of offering promotions by carefully explaining how it all works and answering questions or issuing refunds. 

I believe that Citibank division servicing Best Buy should take responsibility and correct these practices to return its lost reputation. 

Thank you for your time. 
Respectfully, XXXX

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