Credit card or prepaid card -- Problem when making payments -- Complaint #4753506
Complaint Overview
Complaint ID: 4753506
Company: Citibank, N.A.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: California
ZIP Code: 95125
Date Received: 2021-09-25T12:00:00-05:00
Date Sent to Company: 2021-09-25T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2021 I tried to make a payment for the remaining balance on my Citibank credit card and it never went through. I used the same checking account for the payment that my auto pay was set up for and had never had a problem with that checking account for auto payments. The payment was for approximately $ XXXX and my bank account balance at that time was about $ XXXX, so the funds were available. After I realized that the payment hadn't posted I tried a second time on XX/XX/2021. When the second payment didn't go through I went into the Citibank website and deleted then reentered the payment account information thinking there was a glitch in the system. Then I tried a third time on XX/XX/2021 with the same results. I called Citibank and they said my bank wasn't letting the payment go through. I called my bank and they said nothing had gone through or been denied for any reason from Citibank and my bank statements reflect that information. After all this, I took time off of work to go to a Citibank branch and wrote a check for the balance and the check did post and I thought my account was paid off. Then I got another bill for {$160.00} for interest on the account for the time during which I was trying to make the online payments that didn't go through for some unknown reasons. My complaint it that I don't think I should have to pay this interest charge if it was an online payment problem in the Citibank system.
Frequently Asked Questions
What is Complaint #4753506 about?
Complaint #4753506 was filed against Citibank, N.A. regarding Credit card or prepaid card specifically about Problem when making payments. It was received by the CFPB on 2021-09-25T12:00:00-05:00.
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.