CitiCards
Payment Plan Ended Early by System, Then $1,500 in Fees

I made a payment arrangement in June for 12 months at a 0.0% interest rate. An automatic $106.00 was to be taken from my bank account every month. In January my purse got stolen, and I notified Citi Card just in case the thief attempted to use my card. Their system prematurely discontinued my payment arrangement without my consent or notification. In February they did not take the payment of $106.00 out. I called in to see why... The rep demanded that I pay $550 and told me it had been 12 months and the payment arrangement had been fulfilled. I explained to her it had not been 12 months, and she transferred me to a manager, who explained to me that their system made a mistake, it would be fixed, and the debit would continue until June. She set up payments for Feb, Mar, and so forth. The money came out of my account, but the problem was never fixed by Citi Card. In fact, as opposed to reporting normal paid as agreed to my report and status, they started billing late charges and interest charges that have now reached $1,500.

I spoke to a rep today who basically told me, "I know we agreed to 12 months and OUR system screwed up, and we know you have kept money in the bank to be debited as agreed, but there is nothing we can do and we are sorry." Then she asked me to pay the $1,500 in fees. This is unfair and seems illegal. How can a company make an agreement, and I the customer hold up my end of the bargain, and then they start adding on fees? Not to mention calling my phone 6-10 times a day harassing me about paying a bill and fees that were not even supposed to be charged to the account, because it was supposed to have been in an agreement that stated 0 interest would be charged and only $106.00 would be due every month.

They also told me that once the payment arrangement is complete they would reopen my card at a 14% rate. All those options have been taken away from me because Citi Card's "system" screwed up. I am overwhelmed and stressed by these phone calls every day and this entire situation. Companies SHOULD NOT be able to do this to customers. This has been so stressful. They are now trying to demand 1500 in fees in addition to the balance and will not reset the agreement. I don't know what to do.

Company: CitiCards
Country: USA
Address: PO Box 6077
Phone: 8664444986
Site: creditcards.citi.com

  <     >