During XXXX XXXX my wife experienced several XXXX and I spent more tie in the hospital than home. Also, please keep in mind I pay my bills on time every month using my bill pay program through the XXXX XXXX XXXX. During this time apparently Best Buy transferred all financial dealings to Cti Financial/Citibank XXXX. When they did the account transfer I found out it only included my address, no email information or telephone number. Without being advised when I purchased the stove from Best Buiy the financing was for 18 months only and if the loan was not paid the financing was redone including all the interest not collected and increased my monthly payment from {$33.00} to {$45.00} monthly. 
I received a mailed notice from CTI that I amd late with my payments. I call in and told my account was fine and I never missed a payment so forget about The next month I receive another notice saying that I owe {$270.00} in late charges because I did n't make the complete payment. It is at this time I found out about the refinancing. My argument is that you NEVER notified me so please eliminate the late charges. It is then I am told things like I am stupid and delinquent on my payments. I asked for a supervisor and am told that they can not hear me and to all back never to get the same person etc. 
I was told that I am on email billing and that I signed to do such which I would never do because of confsion such as this. 
I then receive a letter from Citibank/USA dated XXXX XXXX, XXXX. They are willing to save up to XXXX and let me pay off the financing for {$1000.00}. Quite pleased with the offer as it me back to square XXXX and eliminate the XXXX in late charges and the refinancing scheme that they applied. I called and told the agent we wanted to pay the refinanced amount they offered, The agent said " just how will you pay this off? I told the that I felt it was none of their business but the money will be sent immediately. I was then told that the ofer is off as I can not tell them where I am going to get the money. Once again I asked to speak a supervisor and told that one will call back within 24 hours and it has never happened. 
