I had a contractual agreement with Citi-Bank on a Balance transfer from XXXX Credit card to Citi-Bank. The reason for the transfer for a lower interest rate. Citi-Bank entered into an agreement to have the interest rate remain the same for the term of the note. Citibank increased the interest without notice. Whereas payment to Citi-Bank was through direct debit my bank account. After several calls to Citi-Bank customer service, they admitted their mistake and corrected it. I received a statements reflecting this error and showing a corrected actions. Then I received a statement from Citi-Card once again with an increased interest rate to 29.5 % and a penalty for not paying a full payment. I have been advised by my attorney that this action was a freud, a former Judge also stated that Citi-Bank had committed a fraud. 
