Credit card or prepaid card -- Fees or interest -- Complaint #5285104
Complaint Overview
Complaint ID: 5285104
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: Charged too much interest
State: New Hampshire
ZIP Code: 03053
Date Received: 2022-03-03T12:00:00-05:00
Date Sent to Company: 2022-03-22T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
In XX/XX/2022 my statement from Shop Your Way Mastercard charged me interest for late payment of the amount charged in XXXX, XXXX. The payment was due on XX/XX/2022 and their records showed that the payments were made on XX/XX/2022. I called the Customer Service line and when they reviewed the transactions they agreed that the charge was incorrect and told me they would eliminate the interest charge, so, I made a payment less the interest charge. I just received the XX/XX/2022 statement from Shop Your Way Mastercard, and they did it again. This time the payment was due on the XXXX of the month and the payments were received on the XXXX of the month. When I called them, they refused tor waive the interest stating that I had not paid the prior balance in full. It didnt ' make any difference how many times I explained that the balance paid was the amount less the interest I was illegally charged, they insisted that the balance for the prior month had to be paid. So, basically, they are charging me interest on interest which is illegal. You assistance in investigating Shop Your Way Mastercard appears to be necessary
Frequently Asked Questions
What is Complaint #5285104 about?
Complaint #5285104 was filed against Citibank, N.A. regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2022-03-03T12:00:00-05:00.
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.