Credit card or prepaid card -- Other features, terms, or problems -- Complaint #7223536
Complaint Overview
Complaint ID: 7223536
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: Washington
ZIP Code: 98112
Date Received: 2023-07-08T12:00:00-05:00
Date Sent to Company: 2023-07-08T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I closed my Citi credit card ending in XXXX in XXXX, 2023, paying off my complete balance, bringing it to {$0.00}. I requested at this time that my account be closed completely, and was assured that this was done. I did not use that card or account in any way after that point. In XXXX I received a payment from Citi in the amount of {$290.00}. I assumed this was the result of overpayment. I subsequently received notification that the payment for {$290.00} was an error, and was asked to repay this amount. The payment was the result of another card member making a payment that ended up being credited to my defunct, closed account. Here are my concerns : 1. If my account was truly closed, how was it possible that a payment could be credited to it? 2. Why was another card member capable of making a payment to my closed account? 3. Why is this mistakea mistake Citi admitsmy responsibility to resolve? 4. My accountwhich I paid in full and closedis now active again. I did not authorize this. 5. How does the reactivation of this account, the mistaken payment, and now notification that I must repay this amount, affect my credit rating? 6. If I refuse to make this paymentwhich is the result of Citis admitted errorwill I accrue fees or penalties? Thank you for your attention to this matter, and for any assistance you can provide. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #7223536 about?
Complaint #7223536 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 2023-07-08T12:00:00-05:00.
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.