Fraud, plain and simple.
I am unemployed and have not been successful in finding a job due to my advanced age of 61. Last year I contacted Citicards customer service, and they provided me with a payment plan of $275.00 per month, wherein they took the money electronically out of my checking account on their designated date. I had no control over when they took the money.
This month they sent me a statement showing that I owe them $428.34 with a $25.00 late fee on 4/9, even though they took my $275.00 payment on 4/6, and they increased my interest to 18.990%. Since they were responsible for taking my money from my checking account, wouldn't it be their error and not mine?
I think they are lying about the payment date to get around the Fair Credit Reporting Act.
Arguing with them proved fruitless. It was one of the worst customer service experiences I have ever had.
If anyone has any ideas on how to fight them, please let me know. It will be greatly appreciated.
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