Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My Best Buy Credit Card w/Citi-Bank as the Merger is the problem company 's name, & Dates : Tue. XXXX XXXX. XXXX I received Confirmation Email Card would arrive in 5-10 Biz Days. The Amount I currently owe them is : {$1100.00} and I paid them on the tab, {$30.00} off a {$900.00} something rack up in expenses only because they said I could in the expected " minimum '' payment section of the Payback Bill.

-I went into Best Buy in XXXX only to go in & see about a couple of things & get a feel for what I might could buy from in there & I got way more than I bargained for & Ulterior & Wrong motives from young people as well. I got approved for a {$1000.00} card & all I wanted was to walk in? & walk right back out, it was very simple but they made it so complicated with maliciousness. I got approved young lady did not expect this to happen. I used it, that's what it was there for, Bought 2 long time needed things. Go to pay the bill/tab down, & low & behold their focus is not on the money making business of their jobs but my personal life & other personal things, not the credit card biz & all it entails. I tried to pay off the bill in installments, trying the " Minimum '' they got mad, caught an attitude, well then ask for {$50.00} instead of {$30.00}, but it was clear they just got into my life to put me through, XXXX XXXX XXXX XXXX XXXX XXXX  & play games & then go on to " Ruin My Good Credit '' Now it's bad/poor. because of bad young people. " High Schoolers ''. Bullies even. So I tried and I tried and I tried to pay back their money & I would call them & their behavior would always be meaner & more hurtful as the intention, not that I was really hurt, but the games just kept getting more worser and worser & until they completely made it " IMPOSSIBLE '' for me to pay them back their {$1000.00}. If they'd have asked me I would've told them, I was paying the min. {$30.00} this 1 time & then I would spike it up to, {$97.00} here, & {$85.00} there & {$100.00} here & spike it up & down till I squash that full {$1000.00} really fast & make them really happy & thus better my credit & get what I needed, but they were literally " KIDS '' not adults & games was all they wanted to do & play, & do harm & damage to my credit & create problems out of no where because they were just negative people for no reason at all. Just because, Negative, not a single reason. I had to immediately " SHUT THE CARD DOWN '' I had no choice. Their intentions were clear from the Rip. I couldn't deal w/That. Too many other things going on, & I'm too old. So my charge I'm pointing out about these two companies to the Authorities, the CFPB is this : They was all about playing games from the start & they just had intentions to mess me up emotionally which did not work & just create trouble for no reason..

" MY PURPOSE FOR COMPLAINING TO YOU ALL @ CFPB IS I NEED TO " ENSURE THAT I PAY THEM STARTING IN XX/XX/XXXX?? 

{$50.00} EA. MONTH UNTIL I PAY IT ALL IN FULL '' that's all I can afford on XXXX  which is XXXX. Please Pardon possible typos. Thankyou.

p.s. I also wan na add, they were very disrespectul to me revealing their true intentions by calling me my middle name which is XXXX that's reserved for Family that knows me only, they acted as if they know me personally in which they don't & their whole M.O. the whole time was to just get high up there by just disrespecting me & making themselves feel all up in the sky by it. by doing that. & that's just one of many " Bad Behaviors Towards Me '' for simplicities sake. thankyou.

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