Citibank - Citicard
Missing Statements, Then 0% Rate Revoked, 29.74% Interest Added

Citibank approved me for a credit card in June with a $1500 credit line. When I had not received my card in 2 weeks, as I was supposed to, I contacted Citibank, who confirmed that it had been sent and I should have already received it. Since I had not, they canceled that card and sent a replacement and, at my request, sent it to my place of employment via certified mail. I received my card in August. I was granted a $1500 credit limit with 0% interest for the first 6 months, provided my minimum monthly payment was made on time every month. If, at any time within those 6 months, a payment was not made by its due date, Citibank would then revoke the 6 month/0% interest approval and recalculate my account, adding 29.74% interest retroactive to the day of issuance.

I received my card in August. When I did not receive a billing statement and knew that I should have, I called Citibank to verify that they had my correct mailing address and informed them that I had not received any bill. I also requested the payment mailing address. On October 4 I wrote a letter restating the situation and included a check for $50, as I knew a payment was due. The following month I did not receive a statement either. On November 1 I wrote another letter and included another $50 payment check. Citibank ignored that I was not receiving my monthly statements. I repeatedly called for assistance, and they verbally verified my address repeatedly, which was always correct. They disregarded my sincere attempts to establish good credit by sending payments when I still had not received any bills. They revoked my 6 month/0% interest and applied all of the back interest, which increased my balance to over $500 over my credit limit, which caused more monthly over-the-limit charges. Then I started receiving regular monthly statements, which I was unable to pay. I contacted Citibank and attempted to come to some agreement for smaller monthly payments. They refused to work with me at all. I even consulted with a debt counselor who could not help me because my debt was not over $10,000, but advised me to call Citibank and request that they "re-season" my account. I was told that "re-seasoning" of an account is fairly common and most companies will work with the customer. Not Citibank. The Citibank customer service reps act as though they do not comprehend your situation regardless of how many times you restate it, and requesting to speak to a manager is no different.

I became disgusted with payments that I was absolutely unable to make and with the rude collection calls that repeatedly harassed me at work (even after both of my bosses explicitly demanded that they quit calling, because I was not allowed to take personal calls at work). In January I received a summons to appear in court, as I am being sued by a third-party collection company by the name of Unifund CCR Partners. What a way to start the new year. I have already filed my response and am hoping that legally I have some ground to stand on.

Company: Citibank - Citicard
Country: USA
State: Nevada
City: The Lakes
Phone: 8009505114

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