Earlier this year I was hit with fees, blah, blah, over my card limit. I setup payment arrangements of $17 a month until this December--I got a call from Citi thanking me and saying that they'd reopen my account in December with a lower interest rate and my interest rate until then would be 7%. I sat down this week and paid off the entire balance. Citibank ended the payment arrangements (which was fine), but went back and charged me a large finance fee (which was covered under the payment arrangements still and shouldn't have been charged) and a late fee for last month... they also increased my apr to 29.99%. Is there anything I can do? I paid off the card, ended the arrangement, but they're going back to when I was still in it and charging me stuff.
Send them a strongly worded letter asking them why they don't live up to their agreement with you. I hope that you received that original agreement in writing, or recorded the phone call with them.
Honestly, credit card companies are satan's spawns when you owe them money. Pay a balance and they go all retarded on you. I called Citi to question the late fee (it was automatically taken out of my account each month!). She had no explanation for it and reversed the charges. Then I asked why I had to pay finance charges with a $0 balance. She actually said that she didn't know and to call back next week.
Citi is probably the most unforgiving/uncaring outfits around. On the evening of September 10, 2001 I mailed off a bill that I figured would get there within 5 days. Due to the events that followed on Sept. 11 that bill didn't go anywhere until planes started to fly again. They actually imposed a late fee. When I called them about it, all these yahoos said that I should have paid my bill online and refused to reverse the late charge. Ultimately though I had the last laugh when I filed bankruptcy in 2004 burning them to the tune of over $5000.
Interesting--Citi had no problem refunding not only late fees, but interest as well during that period. Did you already have a lot of late pays? I actually find Citi to be one of the easier companies to work with, and one of the most forgiving as well.
same case for me too,,, I find Citibank the more easiest to deal with,, I have Chase, AMEX, Bank of America and Citi,,, Citi was better than the rest,,, so far, of course
