Citibank Credit Card Complaint

Citibank Credit card department,

Late fee District of Columbia

I opened a Macy 's - credit card roughly - years ago, for which I had a physical credit card issued. In the last - months Macy 's created a separate " store credit '' account under my name separate from my - account ( no physical card, no notification of creation ). This " store credit '' account only tracks purchases made online at Macys.com or through store purchases, both made using the - card. All other purchases made using the - outside of Macy 's are charged to the - card. In -/-/2016 I fought a late fee on the " store credit '' account and signed up for autopay, and was reimbursed the late fee and paid the remaining balance in full. Subsequently I was charged interest on the $0.00 balance, supposedly because it was a delinquent payment ( even though the late fee was waived and a customer service rep submitted the payment ), though I was not notified that the $0.00 balance would carry a fee. I received notification in -/-/2016 that my account was yet again past due, this time with a $31.00 late fee attached, along with an additional $4.00 in interest on


a few days late on - payment in setting up autopay. Macy 's has - - ) set up a secondary credit account without my knowledge or notification for store purchases only, ( - ) charged me interest and late fees on interest for carrying a $0.00 balance, and ( - ) charged a late fee of $31.00 without sending a statement.