Credit card -- Fees or interest -- Complaint #18383695
Complaint Overview
Complaint ID: 18383695
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: Florida
ZIP Code: 33165
Date Received: 2025-12-30T12:00:00-05:00
Date Sent to Company: 2025-12-30T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had issues with my checking/savings account, the bank wanting proof of citizenship but not notifying me they wanted that and freezing my account. Everything got rebounded. I always like to pay my card every time I am able to and do it frequently. The day before my planned travel outside the country I did a payment to my card of {$200.00} in advance as usual. I traveled out of the country on XX/XX/XXXX and came back on XX/XX/XXXX, at some point I received an email notification that they had issues with my bank and my check was rebounded. It wasnt until I got home that I was able to fix that issue with my checking/savings account. Due to the rebound check, the bank charged me {$30.00} fee for the XXXX attempts they made to cash that payment check I made the day before my travel. After sorting out the mess with my checking/savings account I spoke to my credit card bank several times to get that fee waived. The XXXX time they told me to wait for XX/XX/XXXX to waive that fee that it is when it would show up in the billing. I contacted them on that date and was told to wait another day. I contacted them the next day and the fee waive was declined. At the end of billing, another fee for taxes got added onto that statement which I havent seen that happen to my account in the past, and apparently its due to not paying. I have always made my payments on time and even paid more. I stopped making payments due to the issues with my checking/savings account and waiting until the previous payment I made waiting for that {$200.00} to show in either account and the {$30.00} waived. I dont understand the reasoning behind having to pay a fee to the bank because they were trying to charge to my account. Im already paying them to provide me with a service ; Im not paying them to charge me fees every time they need access to my account. I did not authorize to be charged a fee anytime they want access to my account the only authorization I have given is when I make payments to the card the amount stipulated I owed them for using them as a means of transaction.
Frequently Asked Questions
What is Complaint #18383695 about?
Complaint #18383695 was filed against Citibank, N.A. regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-12-30T12:00:00-05:00.
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.