Credit card -- Problem when making payments -- Complaint #15196841
Complaint Overview
Complaint ID: 15196841
Company: Citibank, N.A.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: North Carolina
ZIP Code: 28104
Date Received: 2025-08-10T12:00:00-05:00
Date Sent to Company: 2025-08-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I am initiating monthly payments from my XXXX XXXX XXXXXXXX checking account to my Citi AAdvantage credit card. Due to an issue with Citi and the Federal ReserveXXXX XXXX XXXX XXXX is forced to issue a paper check instead of sending the remittance via ACH/electronic credit. Even though I am sending my payments 2-3 days in advance of the payment due date, Citi continues to post my remittance after the due date and charging me interest. Citi has informed me that they can not continue to waive the interest charges as I've already requested them to be reversed over the past several months. This is not my issue -- I am initiing the payments in advance of the due date and Citi is not able to process them on time. I want Citi to reimburse me for the {$140.00} charged to me on XX/XX/XXXX. The last person I spoke to at Citi is XXXX, XXXX, on XX/XX/XXXX. Detail : XXXX XXXX XXXXXXXX Check XXXX for {$2900.00} was mailed to Citi Cards for receipt by XX/XX/XXXX. Citi posted the payment on XX/XX/XXXX, one day past the XX/XX/XXXX due date.
Frequently Asked Questions
What is Complaint #15196841 about?
Complaint #15196841 was filed against Citibank, N.A. regarding Credit card specifically about Problem when making payments. It was received by the CFPB on 2025-08-10T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with explanation". 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.