I have a consumer Credit Card called Home Depot Card through Citi Bank. On XXXX this year, I made some purchases on-line for home improvement which was 24 months no interest per Citi bank advertisement. However, due to wrong estimates by Home Depot associates and lack of their stock, I had to return all material which yet to be delivered to me. I was told by Citi and Home Depot that the credit would take few days to appear on my credit card. 
There were some partial refund and an amount of {$480.00} was never refund as of today. I had so many communications but Citi is non-responsive. Sometime, even they response, the response has totally out of context and just to harass me. Failing to get a response from Citi, I wrote to Citi President XXXX XXXX and some other senior leaders. As attached, you can see there were no responses. 
Recently, they change my payment due to from XXXX of each month to XXXX of XXXX so that I can miss a payment and they can say, " oh, you have failed to make the monthly minimum payment on time and hence you are not eligible to get the promotional offer, you will be charged 15 % to 24 % interest rate until the amount I paid in full. I am attaching all correspondences ' here with this complaint. 
I have asked them to close my account but they have failed to do so as of today The fact is, Citi bank is in the habit of malpractice and as I can understand, few millions penalty by your office is not enough as they make billions of dollars by fraudulent means victimizing the consumers like me. Today, I have sent them another deadline asking them to close my account for the second time 
