I made a payment arrangement in June of 2010 for 12 months at 0.0% interest rate. An automatic $106.00 was to be taken from my bank account every month. In January of 2011 my purse got stolen I notified citi card just in case the thief attempted to used my card. Their system prematurely discontinued my payment arrangement w/o consenting or notifying me of this change. Feb of 2011 they didn't take the payment of $106.00 out. I called in to see why... the rep demanded that I pay $550 and told me it had been 12 months and the payment arrangement had been fulfilled. I explained to her it had not been 12 months, she transferred me to a manager who explain to me that their system made a mistake it would be fixed and that the debit would continue until June of 2011. She set up payments for Feb, Mar, and so forth. The money came out of my account but the problem was never fixed by Citi Card. In fact as oppose to reporting normal paid as agreed to my report and status they started billing late charges, and interest charges that have now reached $1,500.
I spoke to a rep today who basically told me. I know we agreed to 12 months and OUR system screwed up, and that we know you have kept money in the bank to be debited as agreed but there is nothing we can do and we are sorry. Then asked me to pay the $1,500 in fees. This is unfair and seems illegal. How can a company make an agreement and I the customer hold up my end of the bargain and then they start adding on fees not to mention calling my phone 6-10 times a day harassing me about paying a bill and fees that were not even suppose to be charged to the account because it was suppose to have been in an agreement that stated 0 interest would be charged and only $106.00 would be due every month. They also told me once and if the payment arrangement is complete they would reopen my card at a 14% rate. All those options have been taken away from me because Citi Card's "system" screwed up. I am overwhelmed and stressed by these phone calls everyday and this entire situation. Companies SHOULD NOT be able to do this to customers. This has been so stressful. They are now trying to demand 1500 in fees in addition to the balance and will not reset the agreement. I don't know what to do