Credit card -- Fees or interest -- Complaint #19912509
Citibank Store Card Fee Dispute Closed with Explanation
Complaint Overview
Complaint ID: 19912509
Company: Citibank, N.A.
Product: Credit card
Sub-Product: Store credit card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Florida
ZIP Code: 34233
Date Received: 2026-02-28T12:00:00-05:00
Date Sent to Company: 2026-03-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
The complaint involves potential issues with fees or interest charged on a store credit card, which could indicate a pattern of problematic fee structures or misrepresentations by the issuer.
Consumer Sentiment: neutral
Topics: Credit card fees, Store credit cards, Interest rates, Citibank
AI Analysis
CFPB complaint 19912509 was filed against CITIBANK, N.A. regarding Credit card (Store credit card), specifically about "Fees or interest". A consumer filed a complaint regarding fees or interest on a store credit card with CITIBANK, N.A. in Florida, which was closed with an explanation. The complaint was received on February 28, 2026 from Florida. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should carefully review all terms and conditions related to store credit card fees and interest rates, and keep detailed records of all transactions and communications with the issuer.
Legal Context & Consumer Protection Laws
This complaint may fall under consumer protection laws related to unfair or deceptive acts or practices, particularly concerning fee disclosures and interest calculations.
Regulatory Insight
Regulators may examine the clarity and fairness of fee disclosures and interest rate calculations for store credit cards to ensure compliance with consumer protection regulations.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originates from Florida, and state-specific consumer protection laws may also apply to the dispute.
Industry Comparison
Store credit cards often have higher interest rates and fees compared to general-purpose credit cards, making them a common source of consumer complaints.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19912509 about?
CFPB complaint 19912509 involves Credit card (Store credit card). The consumer reported an issue with "Fees or interest", specifically "Problem with fees". This complaint was filed against CITIBANK, N.A. on February 28, 2026.
Which company is complaint 19912509 filed against?
Complaint 19912509 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 19912509?
CITIBANK, N.A. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19912509 filed?
Complaint 19912509 was received by the CFPB on February 28, 2026. It was sent to CITIBANK, N.A. on March 2, 2026.
What state was complaint 19912509 filed from?
Complaint 19912509 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 19912509?
Dispute information is not available for complaint 19912509.
What product category is complaint 19912509 about?
Complaint 19912509 is categorized under "Credit card", specifically "Store credit card". This is one of the product categories tracked by the CFPB.
How was complaint 19912509 submitted?
Complaint 19912509 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 19912509?
This complaint may fall under consumer protection laws related to unfair or deceptive acts or practices, particularly concerning fee disclosures and interest calculations. This relates to a Credit card complaint against CITIBANK, N.A. involving "Fees or interest".
How likely is complaint 19912509 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19912509?
This complaint is rated as medium risk. The complaint involves potential issues with fees or interest charged on a store credit card, which could indicate a pattern of problematic fee structures or misrepresentations by the issuer.
What regulatory actions apply to complaint 19912509?
Regulators may examine the clarity and fairness of fee disclosures and interest rate calculations for store credit cards to ensure compliance with consumer protection regulations. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 19912509?
Consumers should carefully review all terms and conditions related to store credit card fees and interest rates, and keep detailed records of all transactions and communications with the issuer.
Are there state-specific protections for complaint 19912509?
The complaint originates from Florida, and state-specific consumer protection laws may also apply to the dispute. This complaint was filed from Florida.
How does complaint 19912509 compare to industry norms?
Store credit cards often have higher interest rates and fees compared to general-purpose credit cards, making them a common source of consumer complaints.
What specific fees or interest charges were disputed by the consumer?
The provided data does not specify the exact fees or interest charges that were disputed, only that the complaint was categorized under 'Fees or interest' and 'Problem with fees'.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.