Complaint Review: Citibank Credit Card Services

I have had this account for four years, never late with payments. I pay this account online. The problem started this past November. My payment was due November 12, 2004. I paid it online on November 5. I clicked "authorize" and it said the payment went through. I paid my Capitol One account the same time. On November 13 I checked my bank account online and found that my Capitol One payment was posted but not Citibank. I immediately called Citibank and issued an electronic check in the amount of 313.00. In turn they raised my interest rate from 14% to 28%.

My payments are now over $400.00. What I consider funny about this whole situation is that in the past four years that I have been paying online I never got an email confirmation of the payment. Since December I have gotten two email confirmations on my payments. If this had been their policy all along I would not be writing this and contemplating bankrupcy.

I am a widow making only 19,000.00 a year. If they thought that I am such a bad credit risk, why does my credit report state from Citibank "never late, paying satisfactory". This is a matter of record. I have sent emails and written letters but I have been totally ignored. It looks like they could telephone me or even send me a form letter. This proves to me that Citibank dosent care about me or anyone else. All they want is money. This is nothing but pure unadultered greed.

Lynda
Deer Park, Texas
U.S.A.