Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I got an invitation code from Citi Double Cash Card XXXX XXXX, applied got approved right way for a {$1200.00} credit limit with a 0 % APR for 15 months. I always made payment of {$200.00} a month. On XXXX XXXX, XXXX I log in to my Citi account notice a payment posted of {$800.00}. I did n't do this payment I decide to call Citi Card I tell them about the mistake they have made the representative tells me that I did made the payment. I asked her to please return the money back to the bank account her reply " We can not return the money back to the account ''. On XXXX XXXX, XXXX another payment is posted in my account for the amount of {$2000.00}. I call Citi cards again and spoke to a representative she tells me the payment was posted in my account. Once again, I tell her this is a mistake they are doing I let her know I have a credit limit of {$1200.00} tell her why would I make a payment over my credit limit. I asked her to refund the money she replies sorry we can not do that. She tells me I have a negative balance I tell her I am not going to use the card because I am not making the payments in my account. Her reply do n't if you do n't use your card over 30 days we are going to refund the amount left to you. On XXXX XXXX, XXXX I get the refund to my house of the amount {$1500.00}. I waited an additional 30 days to see what would I do regarding this matter I called back Citi and they tell me to deposit the check to my account and I did. On XXXX I see another payment posted for the amount of {$2000.00}. I get mad because Citi Bank is not doing anything to help me regarding this case I tell them I am not making this large payments to my account I asked to be transfer to a supervisor and she hang up. They send another refund check for the amount of {$1000.00}. I spoke to an employee from Citi card and asked her why would you accept payments then refund the money back this is a waste of time for a bank well known she does not know what is going on with my account she know something is not right, but she can not do nothing to help me. On XXXX XXXX, XXXX I see another payment of {$800.00} posted in my account I say enough I called back Citi bank and they did n't know what was going why they were posting payment in my account with no reason. The last payment posted in my account was on XXXX XXXX, XXXX for the amount of {$2000.00}. This is when I told the representative why would they allow to accept payment over my credit limit her reply our system allows the payments. I tell her no because the payment made were by checks and Citi Bank is allowing this because they want to ruin my credit score. XXXX XXXX, XXXX I log in my account see I owe {$7600.00}. I called Citi bank they do n't know what is going on I spoke to a male representative he tells me the payments were posted in error by Citi bank they reserve the payments to the correct account. I get mad and tell them I been telling Citi Credit Card this from the start and I tell him why have n't they called me regarding this matter his reply I do n't know why. I called back and spoke to another representative she tells me this bank is not good. To fight back because they did it on purpose for me to get late charges and penalties added to my account. Until this date I have not received an email, mail, nor did phone calls telling me what happen to my account. I am stress with this situation because this bank is doing this on purpose to affect my credit score. They never listen to what I told them from the start and allow this payment to be posted in my account knowing I never made those payments. I blame this back account for allowing fraud, allowing others have access to my account, and accepting payments over my credit limit. They should be responsible for their actions for not taking responsibility for what they have done to my account. Citibank took over 10 months to find the error they made to my account.

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