Credit card or prepaid card -- Other features, terms, or problems -- Complaint #5900861
Complaint Overview
Complaint ID: 5900861
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: Problem with balance transfer
State: Florida
ZIP Code: 321XX
Date Received: 2022-08-20T12:00:00-05:00
Date Sent to Company: 2022-08-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/XXXX my 0 % balance transfer promotion ends. According to Credit Card Act XXXX Section 164 B.2 Two months prior to promotion expiring, excess payment over minimum is applied to balance on which interest is deferred. XX/XX/XXXX I made an autopay of XXXX ( minimum ) XX/XX/XXXX I made an additional payment of XXXX intended to be applied to the promo balance 0 % that expires XX/XX/XXXX. It was not applied to that balance. XX/XX/XXXX I contact Citi customer service and ask for that payment to be allocated to expiring promotion in accordance with this section of regulation. I was told we understand but our system has no way of adjusting that. Im wondering how many people are being left with an unexpected interest charge due to this noncompliance.
Frequently Asked Questions
What is Complaint #5900861 about?
Complaint #5900861 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 2022-08-20T12:00:00-05:00.
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.