Credit card -- Problem when making payments -- Complaint #14697893
Citibank Customer Misses Payment Due to Unreceived Bill
Complaint Overview
Complaint ID: 14697893
Company: Citibank, N.A.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: You never received your bill or did not know a payment was due
State: Ohio
ZIP Code: 44120
Date Received: 2025-06-30T12:00:00-05:00
Date Sent to Company: 2025-07-16T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The risk is low as the issue was resolved with non-monetary relief, indicating a minor inconvenience rather than a significant financial loss or ongoing dispute.
Consumer Sentiment: neutral
Topics: credit card, payment issues, billing errors
AI Analysis
CFPB complaint 14697893 was filed against CITIBANK, N.A. regarding Credit card (General-purpose credit card or charge card), specifically about "Problem when making payments". A Citibank credit card customer in Ohio did not receive their bill, leading to a missed payment, which was ultimately resolved with non-monetary relief. The complaint was received on June 30, 2025 from Ohio. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should proactively monitor their credit card accounts online or via mobile apps to ensure they are aware of due dates, even if bills are not received.
Legal Context & Consumer Protection Laws
Under the Fair Credit Billing Act, creditors are required to mail billing statements at least 14 days before the payment due date, and failure to do so can be a defense against certain charges.
Regulatory Insight
This case highlights the importance of timely and accurate billing statement delivery by credit card issuers to avoid customer disputes and potential regulatory scrutiny.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Ohio, as in other states, consumers are protected by federal laws regarding billing and payment notifications for credit cards.
Industry Comparison
This is a common issue across the credit card industry where billing errors or non-delivery can lead to customer dissatisfaction and complaints.
Related Issues
Frequently Asked Questions
What is CFPB complaint 14697893 about?
CFPB complaint 14697893 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Problem when making payments", specifically "You never received your bill or did not know a payment was due". This complaint was filed against CITIBANK, N.A. on June 30, 2025.
Which company is complaint 14697893 filed against?
Complaint 14697893 was filed against CITIBANK, N.A.. You can view all complaints against this company on their profile page at /company/citibank-n-a.
What was the company's response to complaint 14697893?
CITIBANK, N.A. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 14697893 filed?
Complaint 14697893 was received by the CFPB on June 30, 2025. It was sent to CITIBANK, N.A. on July 16, 2025.
What state was complaint 14697893 filed from?
Complaint 14697893 was filed from Ohio. You can view all complaints from this state at /state/OH.
Was the consumer satisfied with the resolution of complaint 14697893?
Dispute information is not available for complaint 14697893.
What product category is complaint 14697893 about?
Complaint 14697893 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 14697893 submitted?
Complaint 14697893 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 14697893?
Under the Fair Credit Billing Act, creditors are required to mail billing statements at least 14 days before the payment due date, and failure to do so can be a defense against certain charges. This relates to a Credit card complaint against CITIBANK, N.A. involving "Problem when making payments".
How likely is complaint 14697893 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 14697893?
This complaint is rated as low risk. The risk is low as the issue was resolved with non-monetary relief, indicating a minor inconvenience rather than a significant financial loss or ongoing dispute.
What regulatory actions apply to complaint 14697893?
This case highlights the importance of timely and accurate billing statement delivery by credit card issuers to avoid customer disputes and potential regulatory scrutiny. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 14697893?
Consumers should proactively monitor their credit card accounts online or via mobile apps to ensure they are aware of due dates, even if bills are not received.
Are there state-specific protections for complaint 14697893?
In Ohio, as in other states, consumers are protected by federal laws regarding billing and payment notifications for credit cards. This complaint was filed from Ohio.
How does complaint 14697893 compare to industry norms?
This is a common issue across the credit card industry where billing errors or non-delivery can lead to customer dissatisfaction and complaints.
What constitutes 'non-monetary relief' in this context?
Non-monetary relief typically means the issue was resolved without the consumer receiving a direct financial refund or compensation, such as waiving late fees or correcting an account error.
What steps can a consumer take if they suspect they are not receiving their bills?
Consumers should immediately contact their credit card issuer to confirm their mailing address and request duplicate statements, while also setting up online account access for real-time updates.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.