Credit card or prepaid card -- Fees or interest -- Complaint #6656777
Complaint Overview
Complaint ID: 6656777
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: Maine
ZIP Code: 039XX
Date Received: 2023-03-06T12:00:00-05:00
Date Sent to Company: 2023-03-06T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have a Citibank credit card and had a balance of {$21.00} for XX/XX/XXXX. I had {$1.00} in cash rewards at that time. My payment is for the XXXX of each month and I make/schedule payments days in advance. I redeemed the {$1.00} cash rewards online and Citibank 's system said that I had a balance of {$20.00} remaining, so I scheduled a payment for this balance. According to online transaction, the {$1.00} cash rewards was posted on XX/XX/XXXX and {$20.00} was posted on XXXX. On XX/XX/XXXX I used my Citibank credit card and was DECLINED for the purchase. I called Citi and found out that {$1.00} was the remaining balance. Furthermore, Citibank posted a late payment fee of {$21.00}. I paid in FULL on XXXX by using the {$1.00} cash rewards and {$20.00} from my other bank account all BY XXXX, YET, Citi claims thatI didn't pay {$1.00}, DEACTIVATED my credit card, and charged a late fee of {$21.00}. In my opinion, Citibank is practicing ILLEGAL and FRAUDULENT business practices through their financial systems : stating that I could use my cash rewards to my statement balance, stating that I had a " lower '' balance due after I cashed in my rewards XXXX CHARGING A LATE FEE when I did pay my balance in FULL, and DEACTIVATING my credit card for the {$1.00} that Citibank had stated was applied to my statement balance.
Frequently Asked Questions
What is Complaint #6656777 about?
Complaint #6656777 was filed against Citibank, N.A. regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2023-03-06T12:00:00-05:00.
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.