Credit card or prepaid card -- Problem when making payments -- Complaint #5890392
Complaint Overview
Complaint ID: 5890392
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: Texas
ZIP Code: 78681
Date Received: 2022-08-17T12:00:00-05:00
Date Sent to Company: 2022-08-31T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have a Macy 's American Express card. I made a payment on XX/XX/XXXX for {$50.00} due by XX/XX/XXXX. My minimum payment was {$29.00}. I then made another payment of the remaining balance of {$190.00} that cleared AMEX on XX/XX/XXXX. The statement closing date for that cycle was XX/XX/XXXX. However, I received my bill for XX/XX/XXXX and the payment for {$190.00} was not on the bill. It was collected by AMEX though on XX/XX/XXXX. There appears to be a few days between the actual closing date of XX/XX/XXXX and the date payments are made. I received a late fee on my XX/XX/XXXX statement and FINALLY my payment of {$190.00} shows up in that statement with a closing date of XX/XX/XXXX. So my payment cleared on XX/XX/XXXX was not applied to either XXXX or XXXX, but then shows up in a statement on XX/XX/XXXX AFTER a late fee was applied. I called customer service to find out why a payment made in early XXXX was not applied until a XXXX bill and why I got a late fee then. The customer service agent reversed my late fee and said she would file a complaint with how billing is done. I would like to formally file a complaint with billing. It is deceitful and confusing to customers to not apply a payment for the next billing cycle, but apply a late fee. Had I not caught the problem and try to reach out for answers on how this happened, I would have had a negative billing late fee on my account and no answers on the delayed payment.
Frequently Asked Questions
What is Complaint #5890392 about?
Complaint #5890392 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 2022-08-17T12:00:00-05:00.
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.