Credit card or prepaid card -- Fees or interest -- Complaint #4608837
Complaint Overview
Complaint ID: 4608837
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: New Jersey
ZIP Code: 08527
Date Received: 2021-08-06T12:00:00-05:00
Date Sent to Company: 2021-08-06T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I took advantage of the zero apr on purchases on my city premier credit card. Ive always paid way above the minimum payment. Generally I would pay around {$1000.00} a month. I was charged a {$95.00} annual fee and was charged interest on that fee Even though I paid off XXXX se nd a minimum payment plus the annual fee. My next issue is that when my end of term for the 0 % APR offer arrived, I call Citibank and spoke to a representative and she gave me the exact amount that I need to pay to prevent being charged any interest. I paid that amount which was my current balance. Now I see that there is an interest charge on my account. I normally never take advantage of credit card offers as Im scared of them taking advantage of a consumer. Now I see that is indeed true. Its unethical and plain wrong to have these hidden terms and fees being charged to a consumer that did his due diligence to prevent fees.
Frequently Asked Questions
What is Complaint #4608837 about?
Complaint #4608837 was filed against Citibank, N.A. regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2021-08-06T12:00:00-05:00.
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 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.