Consumer complaint received 2024-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
. I am writing to formally address several concerns regarding my Best Buy Citi Card account for the second time, which have not been adequately resolved despite previous attempts to seek clarification. 

1. **Account Closure Without Proper Explanation : ** I received notification that my Best Buy Citi Card account has been closed. This action was taken without any prior warning or explanation provided. I have been a responsible cardholder and have diligently maintained my account in good standing. The abrupt closure of my account has caused significant inconvenience and confusion. 

2. **Unexplained Fees : ** I have recently noticed several charges on my account statement labeled as Interest charges for XXXX purchases. I have not used this card in months but have been charged over XXXX worth of interest charges in the last 5 months. These fees have been applied without any accompanying explanation or breakdown as to their nature or justification. I request a detailed clarification regarding these charges. 

3. **Handling of Dispute Regarding XXXX XXXX XXXX  Transaction : ** I filed a dispute previously concerning a charge from XXXX XXXX XXXX. This charge was supposed to be covered under an insurance claim and should not have been billed to my account. Despite providing supporting documentation, Best Buy Citi Card investigated and denied my dispute, withholding the provisional credit associated with the transaction. This action was unjustified and adversely affected my access to funds. 

4. **Allegations of Retaliation and Discrimination : ** I am concerned that the closure of my account and the mishandling of my dispute may be retaliatory in nature, stemming from a prior complaint I filed with the Consumer Financial Protection Bureau ( CFPB ). I assert that such actions violate my rights under consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and Truth in Lending Act ( TILA ). 

In light of the above concerns, I hereby request the following actions : - A detailed written explanation regarding the closure of my Best Buy Citi Card account. 
- A comprehensive breakdown and justification for the fees charged to my account. 
- Immediate resolution of the dispute regarding the XXXXXXXX XXXX XXXX  transaction, including the release of any withheld provisional credit. 

I trust that Best Buy Citi Card will handle this matter promptly and in accordance with applicable laws and regulations. Please provide a written response addressing the points raised within 30 days of receipt of this letter. 

Should this matter not be resolved satisfactorily, I reserve the right to pursue further action through the appropriate channels, including but not limited to legal remedies and additional complaints to regulatory authorities. 

XXXX 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 non-monetary relief