Credit card or prepaid card -- Fees or interest -- Complaint #7043360
Complaint Overview
Complaint ID: 7043360
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: California
ZIP Code: 90404
Date Received: 2023-05-29T12:00:00-05:00
Date Sent to Company: 2023-05-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX : This issue still has not been resolved to any reasonable end. Citi has continued to issue responses placating my previous complaints, offering no further proof that I proactively enrolled in the Payment Safeguard program, instead insisting that the statements issued over the lifetime of the account were authorization enough. Of course this is absurd, as if to say continued abuse of the relationship is permissible so long as it goes undetected. Consequently, I maintain my current position that Citi 's responses thus far have been nothing more than boilerplate and the issue remains unresolved. XXXX ( Background ) : Citi 's response to my complaint lodged through the CFPB is their latest attempt to further placate me. They've provided no additional evidence that would prove I willingly enrolled in the Payment Safeguard program, only suggesting that my activation of the card was consent enough. What's more, they included a veiled threat to alert ratings agencies of any delinquent payment activity due to the dispute, despite the fact that my account is in good standing. This was a boilerplate response that aims to dissuade me from any further action. XXXX ( Background ) : I've been a Citibank credit card account holder since XXXX, and it recently came to my attention that I'd been enrolled in their " Payment Safeguard '' program unbeknownst to me. This is a program that, to the best of my knowledge, I've never agreed to participate in, but have nonetheless been subject to, exposing me to years of monthly fees totaling in the thousands. Over the past months I've contacted Citibank on numerous occasions requesting proof that I willingly enrolled in the " Payment Safeguard '' program. In each instance no such proof could be relayed by phone, only a promise to share such details by mail. I've since received two identical letters ( one of which I'm including in this complaint ) suggesting that I enrolled in the program XXXX XXXX XXXX with no evidence to support my authorization ( something that was promised when speaking to Citibank representatives by phone ). What's more, when speaking with Citibank representatives I was assured this was a program I would have had to proactively enroll in, suggesting that such proof of consent exists. Still, no details have been offered. As far as I can tell Citibank fraudulently enrolled me in their " Payment Safeguard '' program, collecting monthly fees I never authorized and has placated me in all attempts to refund said monies.
Frequently Asked Questions
What is Complaint #7043360 about?
Complaint #7043360 was filed against Citibank, N.A. regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2023-05-29T12:00:00-05:00.
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.