AN OPEN LETTER TO CITIFINANCIAL RETAIL SERVICES:

Date of this letter: May 16th, 2008
Attn: CitiFinancial Retail Services
P.O Box 22066
Tempe, AZ 85285-2066

Dear CitiFraudFinancial Retail Services,

PLEASE BE ADVISED THAT MY CITIFINACIAL RETAIL CARD REGARDING THE PURCHASE OF MY BED HAS A ZERO BALANCE ON IT AND HAS SINCE BEEN CLOSED AS OF TODAY—MAY 16, 2008. ADDITIONALLY MY CITI CREDIT CARD WAS CLOSED 2 MONTHS AGO AND CITICARD OWES ME $1085.00 IMMEDIATELY. IF YOU DO NOT RETURN MY MONEY, I HAVE NO ISSUE IN SUING CITIFINANCIAL SERVICES DIVISION OF CITICORP TRUST BANK, FSB.

Yesterday I received a piece of mail that appeared to be junk mail due to the inconspicuous nature of the envelope. Thankfully, I opened it because I closed my Citibank credit card a couple months ago with your company and there is no reason that “Citi-anything” should be sending me any further communication except for the $1085.00 that CitiCard owes back to me. I opened the mail in hopes that CitiCard was finally returning my hard earned money. But this was not the case.

The letter I received yesterday was in response not to my Citibank card—which is now closed, but instead, it was in response to a 0% APR interest rate that was good for a year regarding a loan I took out for a bed I bought a few years back through CitiFinancial Retail Services. However, when the 0% interest rate was up for the year, I paid off the entire balance of the loan before your company could stick me with the default rate. As far as CitiFinancial is concerned I am what you people call a “deadbeat”—one who uses the 0% interest rate to my advantage with the sole purpose of paying off the total amount of the loan prior to the default interest rate affecting me.

Yesterday, when I opened the inconspicuous junk mail looking envelope, I found myself being advised that, I have 15 days to “Opt Out” from your company raising my Standard interest rate to 24.99% and my Default interest rate to 29.99%. Additionally, it advised that my minimum finance charge will be increased to $2.00. Upon review of my options to opt out I was given 2 choices—to call your Customer Service at (866)-610-1757, or to write into your company. When I called your “Customer Service” number, I came to find out that even though the letter says they have normal open business hours to speak with a human, the department is actually CLOSED 24 hours a day. Gee, I wonder why—NO, I don’t.

The reason I closed out my Citibank credit card in the first place was because your company closed my account on me because I apparently missed one of your inconspicuous junk mail looking envelopes which apparently advised that I must respond in 15 days to the unethical changes your unethical company has decided to participate in.

Thankfully, due to the fact that I am not an idiot, I am highly aware of the financial fraud scandals that Citicorp Trust Bank/CitiGroup, and all of your company’s subsidiaries have willingly participated in—including, but certainly not limited to-- the Enron scandal. I am sure the Citicorp “Trust” Bank would love to forget that they paid out $2 Billion dollars as a result of the scandal your company willing participated in, but I have not forgotten, and I will not allow it to be forgotten.

Please be advised that this letter will be posted on every public forum on the internet that I can possibly find. Additionally, I may just be one person, but I know thousands of other people through my extensive networks and I will be advising every single one of them about CitiBank and their fraudulent practices that your company sneakily and purposely forces upon the average American consumer.

And by the way, please note that I have written this letter in the same exact itsy bitsy type solely so you can get a taste of your own medicine and be forced to squint to read it.

Totally and Completely Un-Sincerely,


X Janelle Schaffer Date: May 16, 2008

I purchased a set of furniture fro the Furniture Outlet Store at Medford, MN on July 16, 2006. The Store provided me with a promotional plan by Citifinancial Retail Services which would allow me a period of 18 months to pay without interests until Jan. 16, 2008. I paid in full with a personal check in the amount of $2,264.19 dated Jan. 8 2008 and sent it out the same day along with a few other payments to other businesses. I used their provided payment coupon and sent to their Ohio P.O. Box Coulumbus. Citifinancial was the only one who claimed that my check did not reach them in time and sent me a bill dated Feb 5, 2008 for back-interests of $784.18 plus a periodic charge of $7.11. The bill reached me on Feb. 11, 2008. I called their inqury office in Tempe, AZ. I talked with diffferent people and finally got the person named Ria (who claimed to be the manager of Accounts, Custormer Services of Citifinancial Retail, but refused to give me his last name). I asked him to sent back my cancelled check. He said that the check was electronically cashed and was immediately destroyed afterward. He also suggested me to contact the postal office to find out when my was delivered to their Ohio P.O. Box. I finally obtained a copy from my own banker who made a few phone calls and was able to get me a photo image of my cancelled check within 24 hours. On the photo image of my cancelled check, we found, indeed the check was dated Jan. 8, 2008, and it was picked up by box lot and bundled with other checks and cahed it on Jan 23, 2008.

I believe they were holding my check until the deadline was past.
My wife and I are both in our seventies and are retired professionals. At our age we can hardly handle this kind of harassment and fraudulence. I would appciate very much if you can render hand to us in solving this problem. Thank you very much.