Credit card or prepaid card -- Other features, terms, or problems -- Complaint #5681183
Complaint Overview
Complaint ID: 5681183
Company: Citibank, N.A.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: Pennsylvania
ZIP Code: 170XX
Date Received: 2022-06-17T12:00:00-05:00
Date Sent to Company: 2022-06-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My account has an {$8000.00} balance, in XXXX unbeknownst to me I exceeded my credit limit. I have to Citibank cards and one has texts alerts on it but the AA card did not. Citibank allowed another {$1600.00} to charged to my account even though I exceeded my credit limit. I thought credit limits stopped you from charging more purchases. Isnt that why its called a credit limit? You are limited to that amount of $ $ to spend. According to Citibank that is just their threshold of when you are then required to pay 100 % of the overcharges as your minimum due. The XX/XX/XXXX statement reflected XXXX + 1 % of total amount... .yet on XX/XX/XXXX my balance was {$2000.00} until I made a payment of {$9900.00}, which reduced my balance to {$60.00}. Over the next 3 weeks I charged {$1800.00}. My monthly autopay is set up to pay the minimum due, yet my bank account was charged {$1800.00}, which my bank denied due to NSF and now I have a NSF fee from the bank and in 30mins of talking on the phone and another hour on webchat with Citibank they will not reverse the payment and tell me its my fault because I went over my limit in XXXX and THEY kept allowing me to charge another {$2000.00} - that's 25 % of my total credit line. This is UNFAIR, DECEPTIVE, and ABUSIVE practices.
Frequently Asked Questions
What is Complaint #5681183 about?
Complaint #5681183 was filed against Citibank, N.A. regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2022-06-17T12:00:00-05:00.
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.