Citibank Credit Card Complaint

Citibank Credit card department,

Billing statement California

I have a department store card with Macy 's, who is misapplying payments to their gain. The account has a regular revolving portion, but they also offer 12-month no interest promotions for large purchases. I have been told repeatedly that payments and credits get applied to the revolving account first. -/-/-, the balance due by -/-/2016 was paid IN FULL for all purchases that had not otherwise been returned by that date. We also paid and additional $100.00, which we were planning to allocate to the interest-free balance once payments posted. However, when we got our statement ( closing date -/-/2016 ), I was shocked that we had more than $800.00 in the revolving balance, due on -/-/-. We did not make anywhere near that amount in new purchases. After reviewing the statement I found that they had arbitrarily and mistakenly applied most returns and payments ( $510.00 ) to the no-interest balance. This left a huge balance in the revolving account making it eligible for interest charges, to Macy 's benefit.


sense of the statement either, so I asked for a supervisor. I was then transferred to - - ( supervisor ) who could n't understand what was happening either. I had to explain multiple times what the issue was before she understood what was happening. How does a supervisor not know how to read a statement? Even when she got what the problem was, she still did n't know how to fix it. She was supposed to call me on Friday -/-/- but she did not call back with any answers. On -/-/2016, I left a messages for both - at -, as well as for - at -. Sick of the getting the run around form Macy 's, I also filed a complaint with the - on -/-/2016, to which Macy 's did not respond. On -/-/2016 with the help of the -, I finally got ahold of a woman by the name of - - at - and was told the account would be audited and I would hear back from her within two weeks. She also assured me that any interest charges would be reversed since this is a problem they have dragged on, not me. She never got back to me so I tried reaching her today, -/-/-, to no avail. I left a voicemails for her but I work during the day so when I ask to get off early to deal with this problem, I ca n't just sit around waiting for a call. I called the front desk at - and asked if I could speak to - -, but was told she does n't take incoming calls. This is interesting since she took my call before when the - intervened and she personally gave me her number for me to reach her, but now she suddenly does n't take incoming calls. I asked if someone else could help and was transferred to - -, who was not familiar with anything on the matter and could not help in any way. Apparently the person who transferred me just wanted to pass the buck. - also promised to call back, but my confidence is low based broken past promises. The problem is simple, yet Macy 's had to conduct an audit and still ca n't figure out that - was posted to the wrong account on -/-/2016. Just looking at the " Activity and Details '' on page - of the statement ending -/-/2016 makes this painfully obvious to anyone with eyes, yet multiple professional representatives ca n't figures this out? According to the - site, and confirmed by - -, Macy 's gets these types of complaints all the time. As I feared, there was an interest charge on the account on -/-/- for $20.00. The first of many if this problem drags on. Maybe these are n't mistakes, but a deliberate scam to make more money by Macy 's who ca n't seem to keep their stores open.