Best Buy DOES need to address all the negative issues with Citibank!

Hi, I've read all the negative posts about Citibank.
I have been a loyal customer of Best Buy for quite some time and have purchased products from washing machines to electric guitars.
I have my own story:
I've had nothing but issues with them since Best Buy went to them.  The last 5 bills I've received have been all messed up.  Each time it's been for at least 2 hours.  I never had problems until the switch to Citibank. 
I have several deferred interest purchases.  I've taken each of those, divided them by the number of months the contract is for, thus determining how much to pay each month to pay them off by the expiration date.  Citibank has screwed them up every month. Distributing them differently than I had requested.  One time in "fixing" their mistake, they "mistakenly" added an additional charge of $130 to my account!  In reversing that they screwed up other distributions. That's why I've been on the phone with them so long each time.  Some of them they still haven't fixed. 
One six month account isn't due to expire until 9/16/2014, but the way they are applying the distributions it will be paid off 6/15/2014.  A full 3 months before it is due.  It obviously saves them having that receivable for 3 months.
Most of the customer Service reps have tried to be helpful but some of the time it is them that do the screw-ups.  When I ask to speak to a Supervisor they are usually not helpful or rude.  I was talking to one and he wasn't answering my questions, I challenged him and found out he wasn't even listening!  Sometimes they say "it was a change that didn't get into the computer right". I've spent my entire career in the computer industry (Retail chains, Discount Chains, Accounts Receivables, and Bank Systems)  You NEVER release a change until it has been completely tested.  Apparently they have someone totally incompetent that department.
They apparently started a new policy 2 months ago that applied your minimum payment to the your revolving balance (non-promotional) first, if you only had Promotional balances it was applied to the one that would expire first.  Again, it's a way for the bank to relieve Receivables earlier than they should. To their benefit.
I don't understand why so many of the Moderators and other responders have to be so rude and condescending to the people in this forum.  All we hear is this Mantra that Best Buy has nothing to do with the credit card. Yet, the Logo on the statement says "MY BEST BUY CREDIT CARD".  When you pay by mail the payment stub "Make checks payable to "BEST BUY CREDIT SERVICES".  When you call they answer "BEST BUY CREDIT SERVICES".  And you wonder why people think Best Buy owns the credit cards?
You are correct that Citibank owns the credit cards and processes them.  But some Executive at Best Buy initiated having Citibank do this.  You talk about it's just a marketing thing to have Best Buy's name on everything.  Well I'll tell you. with all the complaints I've read here and horror stories that I have personally heard from customers, it is a very NEGATIVE marketing thing.
Most of the customer Service reps have tried to be helpful but some of the time it is them that do the screw-ups.  When I ask to speak to a Supervisor they are usually not helpful or rude.  I was talking to one and he wasn't answering my questions, I challenged him and found out he wasn't even listening!  Sometimes they say "it was a change that didn't get into the computer right". I've spent my entire career in the computer industry (Retail chains, Discount Chains, Accounts Receivables, and Bank Systems.)  You NEVER release a change until it has been completely tested.  Apparently they have someone totally incompetent in that department.
They apparently started a new policy 2 months ago that applied your minimum payment to your revolving balance (non-promotional) first, if you only had Promotional balances it was applied to the one that would expire first.  Again, it's a way for the bank to relieve Receivables earlier than they should. To their benefit.
I also noticed that one of the Moderators posted a response to several complaints about no more 18 month deferred purchases that it was Citibank that discontinued them.  It seems to be a very popular "marketing thing" for Best Buy also.  Why keep a bank that dictates "marketing things" to your company?
Have any of these many complaints been brought to the attention of Best Buy Management?  Do they even know about them?  If they have, then I would think they would be concerned enough to re-think their decision on a Bank Card Processor.
Many have said they will quit buying from Best Buy.  I will not.  I like the stores, their merchandise and staff.  But I have serious concern that if this problem is not addressed thier may nit be a Best Buy to shop at in the future.
For that reason I am sending a letter to the CEO and CFO regarding this.
I would suggest each person that has complained dothe same.  Since the Moderators blocked out the executive's names on one of the posts, you can go to Best Buy.com main page at thew bottom under "Corporate Info/About Best Buy/About Best Buy (yellow Tab)/Executive Team  and you will find their names.  The Corporate address is one one of the posts in here.  The one the they deleted the names from.  Maybe all of our voices will be heard.
P.S. - Check back to see if I'm blocked or this post is closed or deleted.  If so, another thing to comment to the Executives about...
Best Regards Everybody!

Hello GJT,
Welcome to the forum, and thank you for being a loyal Best Buy customer! I'm very sorry to read of all the troubles you've been having with your My Best Buy credit card account. 
If you made a purchase using one of our interest free financing offers, to avoid paying the interest, you would need to ensure you were making the minimum monthly payments and paid the full balance by the end of the financing term. For future reference, the promotion expiration will not be the same as the payment due date. The expiration is determined from the date of the purchase. This date would have been clearly marked on each of your billing statements.
If you did make other purchases during the financing period, the payments would have been applied to the account according to the credit card laws as the others have mentioned. It is my understanding that any payments made to the account would first be applied to all minimum payments due for purchases on the account. Next, it would be applied to purchases that have interest charges due. Lastly, if funds remain from the payment, they will be applied to purchases with the financing promotions, in the order they are set to expire.
As you may be aware, Citibank, N.A. is the issuer of your My Best Buy credit card account. Due to this, we have no influence, or access to their accounts or policies.  It is however, my goal to assist our valued customers as best as I can; therefore, I will be reaching out to Citibank on your behalf to look into your concerns. and they should be reaching out to you directly within the next 3-5 business days to discuss this further. If you do not hear from them within this timeframe please let me know.
Thank you for posting your feedback here on the forum, and please do not hesitate to let me know if you have any further questions or concerns. 
Sincerely, 
Maria|Social Media Specialist | Best Buy® Corporate
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