Citibank N A Complaint - Harassment - Credit Card
WEST VIRGINIA -- January 12, 2005
I moved from Sierra Madre, CA in May 2004 and filed a change of address with the Postal Service. My Internet provider at the time was CompuServe. I notified CompuServe by letter, phone and email that I was closing my account and they had no further authorization to bill my credit card. In early December 2004 I received a call from Citi Bank collections stating that I owed Citi Bank $192.71 in late fees and for monthly charges on my internet account with CompuServe since June 0f 2004. This was the first notification I had that CompuServe had continued to bill me since I had closed the account in May of 2004. The credit card had been cut up, as the only thing I used it for was to pay the online service. I informed Citi Bank that the charges were fraudulent. They stated they would send me an affidavit to be filled out and that it would be handled by their fraud department and billing disputes.
Since then I have received daily calls from their collection department demanding payment which is now at $222.31. I have informed their collection personnel that the matter has been turned over to their fraud department and to stop calling me. They continue to harass me on a daily basis with four calls alone today. One of their employees Kara stated she didn't care if it was turned over to their fraud department that they would continue to call me daily until the bill was paid.
When I received the first call from them in early December I called CompuServe and informed them that they had no authority to charge my credit card as I had closed my account in May 2004. They advised that they would take care of it, which they have not done or I still wouldn't be having the problem with CitiBank. In mid December 2004 I completed their affidavit of fraud to all of the charges by CompuServe and prepared a letter of explanation that accompanied the affidavit that I mailed to them.
I have emailed them at universalcard.com on January 9, 2004 again explaining the situation and advising them to discontinue their harassment. They sent me a message back to call this number and I again end up with Mark in collections.
I am a senior citizen, disabled and any type of stress significantly aggravates my medical condition and Citi Bank and their employees are insuring that I get my daily dose of it.
I called the fraud department today to try to talk to a supervisor to complain about the harassment. I was told by Tracy after being on hold for some time that they were all on the line and someone would have to call me later. The charges are in dispute and I have complained that they were fraudulently charged against my account yet Citi Bank employees are continuing to use strong-arm tactics to get me to pay monies I don’t owe. The $222.31 is chump change however I have no intentions of paying for fraud committed against my account and Citi Bank and their employees have crossed over the line in their attempts at collection.
In addition to ad insult to injury they raised my interest rate on all of my other accounts to the max becsuse of late payments on a account I no longer use. When asked for this to be corrected the customer service rep said they couldn't until the other matter was resolved. I'm very lucky that I don't carry any balance on my credit cards because they would certainly be making one heck of a profit. This is how they treat a loyal customer that has been with them for forty years or more and pays there bills on time.