Credit card or prepaid card -- Fees or interest -- Complaint #4375026
Complaint Overview
Complaint ID: 4375026
Company: Citibank, N.A.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: North Carolina
ZIP Code: 276XX
Date Received: 2021-05-13T12:00:00-05:00
Date Sent to Company: 2021-05-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
Citi Bank posted my payments 16 to 25 days after they were mailed for the months XXXX, XXXX, and XXXX of 2021 ; previously, they were posted 6-9 days. They charged me late penalties and interest, waiving the first assessment for the XXXX invoice after I complained. I subsequently complained in writing, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021, about additional late fees and penalties, including late fees and penalties on contested amounts, noting the previous posting history and noting that other creditors to whom I mailed payments at the same time posted those payments in 5 to 7 days. Citi then waived the remaining fees and interest but reported the delinquency to credit reporting services, which resulted in a XXXX point and two rating category drop in my credit score from an " exceptional '' XXXX to a " good '' XXXX, now adversely impacting my ability to get a housing loan. I asked for proof of late payment in light of my evidence of timely payment. Today, in a phone call which was recorded, the Citi Executive Response Team from the Office of Citi President and CEO XXXX XXXX told me I'd have to get a subpoena for that information. I went to the Citi website to get a copy of the card holder agreement but was informed I had to request a copy online that would be mailed to me in 7-10 days. I requested it online but never received it. I then again asked for a copy of the agreement in writing, to which the Executive Response Team stated they would mail it to me in 7-10 days. I have yet to receive it.
Frequently Asked Questions
What is Complaint #4375026 about?
Complaint #4375026 was filed against Citibank, N.A. regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2021-05-13T12:00:00-05:00.
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 or prepaid 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.