Consumer complaint received 2015-04-22 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XXXX XXXX, while reviewing my billing statement with My Best Buy Credit Card I found a disturbing notification of an additional charge of 'Debt Prot XXXX ' in a percentage of my billing statement added each month. I have had a best buy credit card from at least XXXX on when it was with XXXX XXXX prior to XXXX and then when it was bought by XXXX back in XXXX. 

I never signed up, consented or requested this option. In trying to get information on where and when I would have signed up for the Debt Protection I was never given an option into debt protection and that is when I started to do some research. I started by calling XXXX on XXXX/XXXX/XXXX the Debt Protection company at XXXX where I was told that I have been charged for the life of the card upwards of {$1400.00}. I was told they would put a request to have them look into this issue. They did and XXXX week later I received confirmation that {$47.00} was going to be returned to me on my billing statement. I followed up on XXXX/XXXX/XXXX then at that time with not only Debt Protection again at XXXX, but also XXXX XXXX and Best Buy XXXX. I tried to contact a manager in all areas. Debt Protection told me they could not give me any formal documentation that I had opted into this protection that I would need to contact Best Buy. Best Buy told me that they could not provide me any documentation that I opted into this debt protection without contacting their operations department. When asking for a number to call the Best Buy operations department I was told they did not have a phone number and that we would need to provide a formal letter requesting for a copy of the document that we have never been provided. After speaking with XXXX they said that the {$47.00} that was refunded was the only amount they could refund because that is the amount that that had been charged when the card was with XXXX. 

After careful review of my statements via Best Buys website I can only go back to XXXX charges due XXXX/XXXX/XXXX these have all been with XXXX. Total from XXXX XXXX through XXXX XXXX with XXXX {$400.00} has been charged in Debt Protection since they took over the account in XXXX. Best Buy told me they could not get me any statements before it was moved and brought on by XXXX, which means I have no proof as a consumer what the other charges were from the Debt Protection company. 

I have spent multiple hours and time, consulted a lawyer, and was told to contact every protection agency that I can to make sure you are aware of this issue. Each company pushes the issue to another company to get the answer. Not one of them will give a straight answer or a refund, and I can not imagine how many other people are being scammed out of money because they never opted into or consented to these options. I am not the only consumer this is happening to, but I can not get any information on if I opted into this option or my money refunded. 

If you need more information from me or documentation please contact me directly, but I would like to get some answers from these companies and possibly be refunded before I take legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief