Citibank Credit Card Complaint

Citibank Credit card department,

Credit card protection / Debt protection California

Recently I had a very bad experience with My Best Buy Credit Card ( affiliated with Citi bank ). Not only I have been charged more than what I 'm supposed to pay, also they have messed up with my credit score while this case was still under review. I feel that I have been cheated and I need justification please. My experience with Best Buy Credit Card summarized as below ; ( 1 ) On - - I Purchased a - for approx. $1700.00 in Best Buy Showroom at -, -, -, CA. ( 2 ) At the time of purchase, Best Buy offered me an 18 months Promotional Offer. This offer allows me to pay $ - month for 18 months ( I 'm supposed to pay approx. $1700.00 ( Camera Price ) by -/-/- ) without any interest. Also I was not informed that this card is from Citibank, nothing was communicated to me.


( 4 ) On -/-/- ( after 2 months ), I got a call from Citi bank customer care saying that I did not make any payments for the last 2 months. I was shocked to hear this as I did sign for auto payment. I explained this to the caller and she apologized and told me that the auto payment option has not been enabled at their end. Also at that time I was out of the country, on vacation. The caller then asked me to call Citibank once I 'm back to -. ( 5 ) On -/-/-, I called customer service from the nearest Best Buy Showroom and they apologized once again for not enabling the " Auto Payment '' option. During that call they ask for my permission to enable the auto payment option. The caller did mention that since I have not made my last payments, the first deduction will be for $200.00 and $100.00 every month moving forward. The caller did also mention I will not be charged any interest for the missed payments. ( 6 ) Meanwhile Citibank has reported to the Credit Bureau and it affected my credit score ( from - to - ) in - - -/-/-. I called Citibank customer service and explained to them it was not my mistake that the auto payment option has not been enabled and I was out of the country. They told me that they will inform to Credit Bureau that it was a false report. This is my first impact on my credit score and it is all because of Best Buy and Citibank carelessness. I then worked very hard to build my credit scores. ( 7 ) The " Auto Payment '' option that I signed up with Citibank was supposed to stop in -/-/- but I noticed that the deduction form my account was still ongoing and they took extra $400.00 ( from -/-/- to -/-/- ). FYI, till date I did not received my Best buy Credit Card, until I receive it I can not login or access my account. ( 8 ) I called Citibank Customer service on -/-/- and I was told that I still owe $ 300+. ( 9 ) I explained everything to the customer service ( from Day 1 story ) but they did not have any access to my account. They could only access the last 6 months statement. Also, till today I have not received the actual credit card, it was not mailed out to me. They suggested me to request for the complete statement ( from -/-/- to current date ). I did request for the complete statement and I was promised that I will get it in 7 to 10 days but as usual they did not send anything to me. ( 10 ) I called them again and again for 3 months ( till -/-/- )! For the statement. I must have made almost 10 calls to request for the statement and finally after 3 months I received the full statements. I provided my Account Number in " Credit card Number '' section. I ran out of space here! Please see the supporting document for complete story.