Credit card -- Other features, terms, or problems -- Complaint #7563247
Complaint Overview
Complaint ID: 7563247
Company: Citibank, N.A.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Problem with balance transfer
State: Illinois
ZIP Code: 60611
Date Received: 2023-09-17T12:00:00-05:00
Date Sent to Company: 2023-09-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
Citi Bank has a policy if you have multiple balance transfers they have a hierarchy for the way a payment is made. First the minimum payment is made, then and overpayment is applied to the highest interest account. In my case I contacted their chat representative who told me to after the minimum payment pay {$4000.00} to pay off my balance # XXXX. This just came due with the high interest. I complied and he took payment. My balance transfer was never paid but the money went to another account or was taken I never authorized the representative to put the money somewhere else. I am not aware it where the money went. On XX/XX/2023 the highest interest rate was my balance # XXXX which was never paid. I contacted Citi at least XXXX times and each time I was told a refund will arrive in XXXX days with their standard line about how multiple accounts are paid. They have lied to me on multiple occassions. They claim that you can download the chat notes. Not true, but I took screen shots of my chat notes. They have lied multiple times which I can show, They give false statements like refund will be made on a specific date. Never happens. Talk to another person they say it is being reviewed by a non-existing department. They refuse to give you a phone number to that department. Talking to multiple supervisors they repeat chat and phone the same story under review or you will receive the refund in XXXX days. I asked for the banks legal number again I was refused. This bank is very poorly run and in my case I think I was defrauded by the Citi chat representative.. At first I thought it was just a mistake, but digging further it was obvious this bank operates on different standards that normal approved banks. All I ask for is a refund of the overpayment that I made, but as I said before all you get is lies, from their departments.. On XXXX occasions they representative disconnected the chat. I was respectful and nice so there was no reason for the disconnect. I can prove by the screen shots that I have. Please help me in the situation. Thank You
Frequently Asked Questions
What is Complaint #7563247 about?
Complaint #7563247 was filed against Citibank, N.A. regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2023-09-17T12:00:00-05:00.
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.