Credit card -- Problem when making payments -- Complaint #7489469
Complaint Overview
Complaint ID: 7489469
Company: Citibank, N.A.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: Ohio
ZIP Code: 436XX
Date Received: 2023-09-01T12:00:00-05:00
Date Sent to Company: 2023-09-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
Regarding a XXXX credit card and it is through CitiBank. I use my XXXX cc monthly especially for gas. Recently I used a interested free check to pay for a plumbing bill I had recently. When I make a payment which is the exact amount of my monthly current charges plus additional to go towards my outstanding balance they in turn decide how they want to credit my bill. I have called 3 times to complain with no success. They tell me this is how they do it. This month when I received my statement this is totally wrong. Last month my current cc charge was {$230.00} and outstanding balance {$2300.00} and I paid them {$600.00}. They credited my regular cc charges {$400.00} which will give me a credit towards this months charges of {$200.00} so I only owe {$38.00}, BUT then they only credited {$190.00} to my outstanding balance. What is actually happening they are giving my monthly credit card charges more of my payment for future charges and not crediting to my outstanding transfer balance which I want paid off before the due date. They have already charged me {$120.00} for the use of this interest free funds, but it is not right that they can decide how my monthly payment is credited to my balances. I would like to know if this is legal. If I was not a detailed consumer and didn't realize this was happening it will be harder to pay off my outstanding transfer balance before interest would kick in. This is not fair or right. Please let me know your thoughts.
Frequently Asked Questions
What is Complaint #7489469 about?
Complaint #7489469 was filed against Citibank, N.A. regarding Credit card specifically about Problem when making payments. It was received by the CFPB on 2023-09-01T12:00:00-05:00.
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) 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.