Citibank Credit Card Complaint

Citibank Credit card department,

Other fee North Carolina

Thought I had changed " auto-pay full amount '' to " pay minimum '' prior to payment date, because I knew there would be insufficient funds in my checking account. Apparently I did not do it correctly, and the auto-pay for the full amount was processed. I was checking all my accounts on -/-/- and saw that my balance was, in fact, considerably less than it should have been, and on investigating saw they had processed the full payment. I called immediately and they checked my account and said the auto-pay had NOT been changed, and the account was paid in full. I explained that was not possible because there were insufficient funds, and sure enough I saw my checking account had just penalized me for the transaction. The customer service experience was difficult, but I finally had someone who ( 1 ) made sure the auto pay was changed to minimum, and after speaking with someone else said they would take back the payment less the minimum due for -/-/-, and all would be well. I checked on - and the account still showed it had been paid in full, AND there was a fee for the returned payment due to insufficient funds. I called AGAIN, and was now told it was up to me to work it out with my bank, which made no sense. I called my bank and stopped all future auto payments with this card issuer. I wrote a message to them on my account, and got a ridiculous answer telling me that according to their policy they will try to take the full payment 3 times ( which will result in more fees for them ). They seem completely unable or unwilling to understand the problem and I am very angry I will be charged more returned payment fees and am powerless to do anything to fix it.