During a call to customer service for my MasterCard, I was asked if I would like to have a $10,000 loan free of interest for one year. I questioned the rep several times and was told there would be absolutely no interest until after one year, but to be sure to cash the check as soon as it came. I pay all my bills off completely every month, so I never have interest charges.
I had requested e-billing, which never worked, so I was receiving calls saying I hadn't paid my balance. They agreed to waive the finance and late fees since it was their fault. I paid the bills immediately and requested to go back to paper bills. It was then I discovered they were charging me interest on my monthly charges, even though I had paid in full, because I had an outstanding loan balance.
I called and spoke with a supervisor and was told that if I didn't use the card, there would be no interest charge. After much hassle, and unable to get anywhere, I paid the interest just to end the hassle. Today I got a phone call from Citibank saying I was overdue on my monthly interest payment.
It never ends! I didn't need the money, I just invested it. They wouldn't allow me to discuss it with anyone of higher authority at the company above customer service, and they wouldn't give me a name or a phone number. Not only are they deceptive, but they stonewall. I would very much like to see them punished for both deceptive practices and harassment and for the personal anguish they have caused me.
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