Credit card or prepaid card -- Fees or interest -- Complaint #4880053
Complaint Overview
Complaint ID: 4880053
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: 10552
Date Received: 2021-11-05T12:00:00-05:00
Date Sent to Company: 2021-11-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
We XXXX XXXX XXXX in XXXX and during Covid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the president, the late fees were not to be assessed during Covid and the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being affected from the late payments.
Frequently Asked Questions
What is Complaint #4880053 about?
Complaint #4880053 was filed against Citibank, N.A. regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2021-11-05T12:00:00-05:00.
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.