Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
This is the last letter I wrote to XXXX XXXX headquarters and citi bank and I have never received a response to my complaint. 
DATE : XX/XX/year> RE : XXXX XXXX and Citi Bank Credit Card SUB : Fraudlent charge I have tried resolving through Citibank a dozen times ( every bill is sent with a letter ) and at XXXX XXXX ( spent a lot of time on calls ) but I cant get anywhere. XXXX XXXX people say they are sorry but cant do anything. I am now going to try one last time to support my small claims court action in the state of Oregon and file to the Fair Credit Billing Act. I have included a screen shot of my phone where I am being harassed regarding a fraudulent bill. The XXXX numbers shown are over 3 recent days and there were more than XXXX calls. 
I paid the bill in full minus interest the first time I got a copy of it after requesting it multiple times. Please show that you sent me a bill or somehow emailed me a bill before I paid it. I am definitely being blackmailed to pay interest charges that are not valid and I will not pay them. I got the card through the XXXX XXXX XXXX, Oregon store last XXXX. I told them I had a PO Box . The attendant said she couldn't put a PO Box in the paperwork. I asked how they would be able to send me the bill. She said that they would email it. I did not get the bill for months until Citibank started calling and harassing me on the phone. I asked them to send a paper bill. They wanted to link to my bank account and I would not do that. I said to send a paper bill or email. I do not send money over the phone for good reason. It took months for them to finally send me a paper bill after harassing me on the phone almost daily and added an interest charge. The minute I got the paper bill I paid the bill, but I did not pay the interest charge and I will not pay the interest charge, not now not never. Thats a fraud charge to me. 
Now after being a loyal XXXX XXXX customer I feel I need to go elsewhere until this is taken care of. As a matter of fact i recently purchased tile and went XXXX miles out of my way. Sure would be nice to go back to shopping at XXXX XXXX. If XXXX XXXX wants my business I need you to solved this because I will not pay that charge. 
The credit card has been closed out but they remain calling me and racking up the interest charge. 
Please, it's your company that I associate this card with. And why you associate with that bank disturbs me do to all the calls I have received. I feel I have no remorse but to file a claim so let me know what you would like me to do. 

Sincerely, XXXX XXXX XXXX Oregon, small claims court is a streamlined process for resolving disputes involving smaller amounts of money ( up to {$10000.00} ) without the need for lawyers. These courts offer a more informal setting than regular civil cases. 

The Fair Credit Billing Act ( FCBA ) gives you the right to withhold payment on the disputed amount and related charges while the investigation is ongoing. 

cc : XXXX XXXX Headquarters

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 monetary relief