Citibank Credit Card Services
Rate Doubled to 28 Percent After Online Payment Failed

I have had this account for four years and have never been late with a payment. I pay this account online. The problem started this past November. My payment was due November 12. I paid it online on November 5. I clicked "authorize" and it said the payment went through. I paid my Capital One account at the same time. On November 13, I checked my bank account online and found that my Capital One payment was posted but not the Citibank one. I immediately called Citibank and issued an electronic check in the amount of $313.00. In turn, they raised my interest rate from 14% to 28%.

My payments are now over $400.00. What I find funny about this whole situation is that in the four years I have been paying online, I never got an email confirmation of a payment. Since December, I have gotten two email confirmations on my payments. If this had been their policy all along, I would not be writing this and contemplating bankruptcy.

I am a widow making only $19,000.00 a year. If they think I am such a bad credit risk, why does my credit report state from Citibank "never late, paying satisfactory"? This is a matter of record. I have sent emails and written letters, but I have been totally ignored. It looks like they could telephone me or even send me a form letter. This proves to me that Citibank doesn't care about me or anyone else. All they want is money. This is nothing but pure, unadulterated greed.

Company: Citibank Credit Card Services
Country: USA
Phone: 8009505114
Site: www.citicards.com

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