I purchased Action item/timeshare Specialist on XXXX for {$510.00} ( see link ) : XXXXAdd Payment Accepted : *Cashiers Check*Money order *Wire Transfer *Credit Card *XXXXWas unable to purchase directly through XXXX/Timeshare specialist invoiced me directly through XXXX. I paid for item through my XXXX Account ( XXXXXXXXXXXX ). 
My CITI Bank card ( ending XXXX ) tried to charge me a fee for a cash advance ( {$25.00} ). I phoned Citi Bank & was going to cancel me card/pay off the card since this charge was a normal credit card transaction ( not a cash advance ). Citi Bank willingly waived the charge. A month or so goes by & Citi Bank tried to charge {$3.00} interest where as my card is a 0 % APR for 18 months ( ends XXXX 2015 ). Once again, I phone them & they said they will waive the fee only this month ( said, the charge was a cash advance ). I paid off my card in full the next day. Previously, I phoned XXXX & they stated there is nothing on XXXX item number : XXXX which states XXXX/credit card payments must be a cash advance. Citi Bank supervisors just state XXXX requested this to be a cash advance ( they refuse to give it in writing to me ). Contacted XXXX a few times over this & they state seller paid all the credit card fees ( this transaction was not a cash advance ). XXXX fraud dept emailed me this ( note XXXX stated they never process credit card as a cash advance, although only XXXX time the represenative said she saw it only XXXX when account had no $ in it ) : Dear XXXX XXXX, Thank you for contacting XXXX Customer Support today. As requested, here are the details of the transaction, in question : Transaction ID:XXXXMerchant Name : XXXX XXXX, XXXX. 
Date : XX/XX/2015Amount : {$510.00} USDDescription : Credit Card Payment Sent ( Service ) To clarify, this was not a cash advance payment. 
Sincerely, XXXX XXXX XXXX XXXX XXXX. All rights reservedContacted Citi Bank about this fraud & that I was going to report it. The supervisor said go right ahead, it does n't matter if the charge through XXXX states anything about a cash advance, they will process it as a cash advance ( gave examples such as casinos, energy bills ... ) & that if I do the same charge again that it will be charged as a Cash Advance ... 
I paid off my card in full {$1300.00} where as the {$3.00} interest they will waive. I do not plan on using Citi Bank for any of my future banking needs ever. I found this incident should be reported to a government agency for especially the next person due to its nature of a very possibly fraud activity of Citi Bank credit card practices. Any questions or need further information please contact me ; thanks & take care. 
Yours truly, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX, NV XXXX XXXX XXXXXXXXXXXX 
