On XX/XX/XXXX, I filed a refund request with Best Buy credit card services for the debt protection fees that have been charged in my account on a monthly basis since my purchase on XX/XX/XXXX. At the time of this purchase, my credit card account was reactivated, after being inactive for over a year or so from a previous purchase. With this purchase on XXXX/XXXX/XXXX, I agreed to pay {$3600.00} for goods and services as stated on my receipt of purchase. I agreed to 24 months financing with zero interest. I did not agree to the debt protection services or to any additional services, insurance or coverage. After the purchase I received a new card in the mail with a statement balance of {$3600.00}. I set up a new online account and began making automatic payments from my bank account each month between $ XXXX- {$250.00} each month. After 17 months of payments, I felt that I should be close to paying off the balance. Only after opening a previous statement did I realize that I was being charged the debt protection fee. This charge is not visible on the account summary and is buried on the statement. This charge was being placed on my account after my monthly statement was issued on the XXXX of every month, 6 days after the bill was due. This is an intentionally deceptive and illegal practice. I have been charged this fee, in varying rates, every month since XX/XX/XXXX, totaling {$340.00} in fees to date. 

I am absolutely outraged that a company thinks that it is acceptable business practice to charge fees on an account a week after the statement has been issued especially when a customer has not agreed to the services. In fact, Citibank is well aware that this is illegal. I guess that the XXXX in relief payments made to their customers and the XXXX penalty payment made to the Consumer Financial Protection Bureau was not enough for their company to stop this unlawful business practice. 

I did not enroll, elect, opt in, authorize or agree in any way to pay for this coverage on this purchase. I requested to be refunded immediately in full the total amount of fees charged to my account. I was told that my request would be reviewed within 30 days but I did not receive any documentation that a request was submitted, only a verbal statement from the debt protection services department. It 's fair to say that I do n't trust that they have their customers ' best interest in mind, nor do they plan to refund my account without a fight and legal persuasion. 

The agreed principle balance is {$3600.00}. To date ( XX/XX/XXXX ), {$3100.00} has been paid towards the principle balance due, with a remaining principle balance of {$500.00}. I have requested that the outstanding {$340.00} in unauthorized fees is to be refunded to my account no later than XX/XX/XXXX, the due date of my next statement. 
