Credit card -- Fees or interest -- Complaint #16737912
Complaint Overview
Complaint ID: 16737912
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: Montana
ZIP Code: 590XX
Date Received: 2025-10-21T12:00:00-05:00
Date Sent to Company: 2025-10-21T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have made payments to my citi card on ONTIME on a regular basis. Twice this year - once in XXXX and the second occurance in XXXX- I paid my credit card in full from the citi app and it was not posted. It is impossible for me to know whether or not a payment has really posted until the day after it should have been posted. Twice this year, I went to my bank account and noticed that the on time payment was not collected -- and then I paid the full balance as soon as I noticed. It is well known that Citibank has operational issues. It is not appropriate for customers to pay for these failures. I have called Citibank repeatedly to see relief. In most cases they promised a supervisor would call me at an appointed time -- then they never call. The last instance I started recieving communications from their corporate affairs department - at first with no information stating that they would get back to me -- then finally they sent me an email that after 20 minutes of trying, I was never able to open the communication. I do not know what it said and the systems for opening the message lead into a dead end. Below are the 2 charges in question XX/XX/year> LATE FEE - XXXX PAYMENT PAST DUE {$39.00} TOTAL FEES FOR THIS PERIOD {$39.00} Interest Charged XX/XX/year> INTEREST CHARGED TO STANDARD PURCH {$670.00} TOTAL INTEREST FOR THIS PERIOD {$670.00} Fees Charged XX/XX/year> LATE FEE - XXXX PAYMENT PAST DUE {$39.00} TOTAL FEES FOR THIS PERIOD {$39.00} Interest Charged XX/XX/year> INTEREST CHARGED TO STANDARD PURCH {$710.00} TOTAL INTEREST FOR THIS PERIOD {$710.00} I am seeking a refund of both all of the fees and the interest. Thank you for your help in this matter, dpb
Frequently Asked Questions
What is Complaint #16737912 about?
Complaint #16737912 was filed against Citibank, N.A. regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-10-21T12:00:00-05:00.
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.