Credit card -- Fees or interest -- Complaint #12679501
Complaint Overview
Complaint ID: 12679501
Company: Citibank, N.A.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: New Jersey
ZIP Code: 079XX
Date Received: 2025-03-23T12:00:00-05:00
Date Sent to Company: 2025-03-23T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Complaint Against Citi Card Unjust Interest Charge and Partial Refund I am filing a complaint against Citi Card regarding an unfair interest charge of {$220.00}, which was posted to my account on XX/XX/year>, despite my balance being fully covered before the due date. Summary of Events : My payment due date was XX/XX/year>. On XX/XX/year>, I received XXXX refunds from a merchant : {$6000.00} {$6400.00} These refunds brought my balance to {$0.00} before the due date. When I attempted to make an additional payment, Citis system did not allow me to proceed, displaying a message stating that my balance was already satisfied. Despite this, on XX/XX/year>, Citi charged me {$220.00} in interest fees. I called Citi multiple times and was only offered a {$100.00} credit, even though the full charge was unjust. Why This is Unfair : The refunds cleared before my due date, effectively satisfying my payment obligation. Citis system prevented me from making an additional payment, confirming that no further payment was required. Despite this, Citi still applied interest and refused to fully refund the unfair charge. A partial refund does not resolve the issueI should not have been charged at all.
Frequently Asked Questions
What is Complaint #12679501 about?
Complaint #12679501 was filed against Citibank, N.A. regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-03-23T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Citibank, N.A.?
Yes, visit the Citibank, N.A. company profile at readthecomplaint.com/company/citibank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.