Citibank Credit Card Complaint

Citibank Credit card department,

Payoff process Michigan

1. - -, - I charged $37.00 of store merchandise on my Macy 's credit card. 2. - -, - statement showed a late charge of $25.00 3. - -, - I called Macy 's requesting a refund of the late charge. The late fee was reduced $13.00 leaving a late charge of $14.00. I was n't happy about that, since my credit history is that of a good customer. I asked to speak with a supervisor. Customer service refused. a. While on the - -, - call I paid $51.00 ( $37.00 merchandise plus $14.00 late charge, on the phone.


4. - -, -, I received another statement from Macy 's dated - -, - that showed a new late charge and interest charge totaling $37.00. 5. I settled the total balance of my account on - -, - yet Macy 's continued to compound late charges and interest charges in the months that followed until the total balance was $260.00. 6. During the months that followed, I called Macy 's attempting to close the account and resolve the matter. The representative for Macy 's refused to negotiate - demanding the total balance of late charges and interest charges be paid. I explained the merchandise charge plus the late charge and interest was paid in full on - -, - and the charges outstanding were nothing more than late charges and interest charges on late charges and interest charges. 7. I subsequently received a letter, dated -, and another, dated - ; with both letters being from - different/ distinct addresses : - - -, - , OH - with the other address on the letter being : Payment Processing, - - -, - , OH -. The letters asked me to pay the accumulated late + interest charges. I paid on - -. 8. On a statement, ending on - -, -, they stated that the balance due was $260.00, and due on - -, -. In -, - I received a letter dated - -, -, from : -, OH -, stating I owed $260.00. 9. In -, -, I received a letter, dated - -, -, from -, T- -, for $260.00. This amount is about 7 times the amount of the merchandise I paid for. 10. On - -, -, I called the Macy 's phone number, trying again to settle this issue, and was transferred to the " Interior Recovery Unit Department '', where I talked with -. - required the last - digits of my SSN. - said it was in the charged off status, and - - - had it, but that she ca n't see when the charges were so she 'll mail me the statements from - to -, -, but that it will take 2-4 weeks to receive them. When she hung up, she said, " Thanks for calling Citibank ''. Somewhere along the way, the address got changed to - in -, AZ. There are so many addresses and phone numbers to call, and when I do call to make things right, no one can or will help me get the whole story, and have refused to close the account in order to stop the accumulation of fees. I think the people answering the question lines are trained bullies, not intending to actually help the customer. 11. It sounds like Macy 's is using Citibank for their credit card service and support. 12. I received my Homeowner Insurance bill in - - and in the bill it showed that my credit score was - in the prior year. My current score shows as -. It appears my credit was destroyed for a purchase, late charge, and interest charge of $51.00 that was paid in full on - -, -.