Citibank Citicard Raised interest rate after car purchase and overcharged ADB after large payment Manhattan New York

I refused to pay an alleged ADB overcharge after I paid $6500 on my account, leaving less than a $900 balance. They charged me $82 in interest for 10 days into my billing period and only $10 for my payment. Who ever has $10 payments??? I tried to get an adjustment to the interest. Instead, in ONE MONTH, they wanted to put me on a "program" or "treatment" plan (I've always paid regularly), and turned me into collections, even though I did pay $50 when my actual payment would have been around $25, for the $65.00 they say I need to pay to bring my account current. They gave me their "rules" on ADBs in the chat, which would take a CPA to understand (and I tutored accounting in college!) They also dropped my credit limit from $9000 (!) to $970 (!). They want to "review" my income to see if my credit limit can be increased. lol I don't think so. I have other cards I can use, one at 0% interest. Also, I purchased a car on my Citicard, $5000, at 5.99%. Less than two months later, they raised my interest rate to 22.99%. They refused me a car loan or a flex loan. I filed a complaint with the Federal Reserve Consumer Protection department. Other than receiving CB's "rules" for ADBs and closing the matter until I gave them my response, they've done nothing to help me, even though I'm a senior citizen on a fixed income.

Citibank now calls me at least 2-3 times a day for that $65, starting at 8:15 a.m. through evening hours. I plan to continue paying them $50 a month until I am able to do a balance transfer or get the $82 in interest reduced as I requested in the first place. I did this in March, 2021. This is only April, 2021 and they’ve done all this damage to my credit score and credit limit. They denied affecting my credit score, but I found evidence of that on my credit score alert this week.

USER BEWARE!!!!