I have been with XXXX citibank for over 15yrs in XX/XX/XXXX i was scammed of $ XXXXI contacted the company in XX/XX/XXXX and asked if i would be able to have the interest changed to interest free as part of being a loyal customer i thought they would comply, if i was a new customer they would give me a balance transfer for 12mths with 0 interest. they told me that i could apply for hardship and have the balance 0 % for 2mths i said i did n't want that. they said they would send me the paperwork in the mail. I inquired about the interest rate and was told that it was 12.99 % I made {$200.00} payment in XX/XX/XXXX as per the statement due and {$600.00} payment in XX/XX/XXXX which was above the minimum payment. in XX/XX/XXXX my minimum payment on my statement was {$760.00} I rang them to inquire as to why the hike in repayments and also for the interest charged prior retail of {$370.00} and a {$200.00} interest I was informed that I had not made the necessary payments in XX/XX/XXXX. I looked at my statement and the minimum payment was {$200.00}. they then told me it was because I had not paid out the loan within the 55 days the interest would then go to the higher amount of 21.74 % and the interest would be back dated I stated that I had not been told this information when I had originally inquired about the interest rates in XX/XX/XXXX which was 12.99 %. I was then told that they would waver the {$570.00} and this would be on my next statement. I inquired about closing my account and what the payout fee would be. the amount i was given was {$18000.00} minus {$570.00} being {$17000.00}. the lady told me that she would waver my annual fee if i stayed with them as i was such a loyal customer I chose to do that I then made this payment of {$17000.00} on XX/XX/XXXX thinking this was the end of it, until I received my XX/XX/XXXX Statement whereby I still owed {$470.00}. I rang too inquire why this was so as the payout figure was given to me they told me that i was given the incorrect information as on XX/XX/XXXX the reversal had taken place and the lady had given me another {$570.00} of the total amount. I stated that i had rung on XX/XX/XXXX which was 3 weeks after the reversal and they did n't have the correct figure. the lady said yes that is correct. she had made the mistake and given me the wrong information. I stated that that was her fault not mine and she said that I was still liable to pay the {$480.00} as the payout figure. I said that i want to close my account and do not wish to have any more dealing with the company as i have had nothing but heartache from them. 
