Complaint Rating:

Company information:
Citi Cards
Sioux Falls, South Dakota
United States

In August, for the first time in my relationship with Citi Cards, I was one day late with my monthly payment. Not only did they charge me a $39 late fee, they TRIPLED my finance charge rate and doubled my minimum montly payment. I tried to reason with them to no avail and so I stopped making payments. They sent me a letter inviting me to contact them to discuss this and work out a solution that was satisfactory to all. I did so. I spoke to their agent, “Merlin“, number “MP66622“. She said the APR would be rolled back, the monthly payment reduced, and I would not be penalized for missing the September 10 due date since the account was in dispute. She lied. I received two letters a few days later. One said the APR would not be reduced, the other said the monthly payments would not be reduced. But if I was a good girl for 12 months they might consider lowering the APR. That amounts to $6000 in extra finance charges for 12 months. For being one day late one time. They are all a bunch of lying cheating bottom feeders.

There will be no further payments from me at all, and no further communication. I have filed complaints with the Controller of the Currency and the state Attorney General's office. Then I will get an attorney. There is absolutely no possibility that I will pay them another cent.

They can take the money I owe out of their bailout money.