Credit card -- Struggling to pay your bill -- Complaint #9457175
Complaint Overview
Complaint ID: 9457175
Company: Citibank, N.A.
Product: Credit card
Sub-Product: Store credit card
Issue: Struggling to pay your bill
Sub-Issue: Problem lowering your monthly payments
State: Georgia
ZIP Code: 30736
Date Received: 2024-07-08T12:00:00-05:00
Date Sent to Company: 2024-07-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I bought my computer in XXXX. I opened a Best Buy store credit card in order to finance my purchase. I made regular payments on this credit card from XXXX - early XXXX. In XXXX of XXXX, I missed ONE payment - JUST ONE PAYMENT - due to my money being allocated to medical services. ( These medical services were far more necessary than my credit card payment. ) As a result, Citi Bank gave me a late fee. I paid the late fee and got my card up to date. However, Citi Bank has continued to charge me a late fee for EVERY PAYMENT since XX/XX/XXXX. I closed my account and agreed to their special payment plan - a situation that should have no more incurring fees, a lower interest rate, a NEW DUE DATE, and a lower monthly payment. I have a contract stating this. Citi Bank has not upheld their end of the agreement. They are continuing to publish my account as past due, they are continuing to hound me for payments DESPITE MY PAYMENT PLAN BEING ON AUTOPAY, and they continue to trash my credit through the credit bureaus by not informing them of my payment plan and maintaining that my card is past due. I have not missed a payment since the one in XX/XX/XXXX. I have full documentation of my payments as proof. I would like my account removed from their possession. They do not do ethical business and they do not respond to the letters that I have sent. I have tried contacting them through the secure message feature on their website more than once. As of now, they have actually removed that feature from my account, which also feels unethical. I am suffering on their account due to my trashed credit score being infinitely lower than it should be. Every other card and debt I have is being paid off in a timely manner and I do not live above my means. If this is not rectified one way or another, I will be seeking legal counsel. Thanks for your help.
Frequently Asked Questions
What is Complaint #9457175 about?
Complaint #9457175 was filed against Citibank, N.A. regarding Credit card specifically about Struggling to pay your bill. It was received by the CFPB on 2024-07-08T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with non-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) 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.