citicards Complaint - Absurd and fraudulent
SIOUX FALLS, SOUTH DAKOTA -- I was so happy when this new citicard came with an intro promotion of 5% cash back on gas, drugstore merchandise and groceries. I was also excited when they advertised 0% financing for six months on balance transfers with no transfer fee. Well, since my balance transfer of $1500.00 last September, I’ve paid a total of $86.00 in finance charges. I’ve called many times to ask why? They replied that it is in the small print of the agreement stating that any purchase I made goes against the balance transfer and is subject to 10.99% financing. Need less to say this has been a nightmare. I called again when my monthly purchase was less then $100.00 and ask a why my finance charge want nearly $10.00? I didn’t quite understand their lingo, so I’ve ask them if their would be a finance charge if I’ve paid the whole amount with a balance of 900.00. Of course they transfer me to a customer representative to let me know how they had this new promotion with an interest rate of 1.99% for the next nine months. Again came another finance charge of over $7.00. So I’ve called and ask why. They replied that the representative that gave me this promotion did not applied it to some of the balance transfer, only to future transactions. This time I’ve replied this is BS. They then called the office manager and made the correction. They told me they could not correct the previous month. They weren’t allowed. Last month, the whole amount was paid in full. I was finally relieved of this nightmare with Citicard, so I though. Now I’ve just check my latest statement on line, and they’ve charge me $2.86 in finance charge again. My new balance is only $34.00. I’m writing this complaint to let anyone know that if they own a citicard master with the same intro promotion, not to ever transfer money from another account. You will certainly be taken for a ride. I wish I could contact the attorney general about this. In my view this is fraud.