Credit card or prepaid card -- Fees or interest -- Complaint #4758279
Complaint Overview
Complaint ID: 4758279
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 York
ZIP Code: 11223
Date Received: 2021-09-27T12:00:00-05:00
Date Sent to Company: 2021-09-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2021 I attempted to pay my bill online, by automatically linking to my XXXX XXXX checking account. The citi automated linking portal was not working, and I was unable to do it automatically. Instead I was forced to enter my XXXX XXXX bank info manually. Few days later, I received notification that Citi was unable to complete the payment. I again tried to submit it - again, automated linking did not work. Again, submitted it by manually entering the same bank info as the first time around. This time, the payment posted successfully. However, I was hit with {$29.00} returned check fee. I tried to resolve it with Citi, and my reasoning was, that hypothetically, it's possible to make a mistake when you have to manually enter you bank routing and account number, even if you do it as cut & paste, and that had their linking software worked, I would not have encountered this issue in the first place. It was all falling on the deaf ear, and the only response I got was 'we are unable to waive that fee '. This is not right. I entered the same info the second time and it went thru. They can tell me which info was received by them the first time, and why it was rejected. But bottom line- a customer should be able to automatically link their account, and if that was case, this would not have happened. Given they have an issue, I do not believe this is right that they are charging me that {$29.00} fee.
Frequently Asked Questions
What is Complaint #4758279 about?
Complaint #4758279 was filed against Citibank, N.A. regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2021-09-27T12:00:00-05:00.
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.