Consumer complaint received 2022-08-28
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had a card with Citi bank since XXXX, On XX/XX/XXXX, I accepted an offer from Citi to make a balance transfer with a monthly rate of 0.00 % until XX/XX/XXXX, the charge for the balance transfer corresponded to 5 % of the total amount of the transfer, On XX/XX/XXXX, I transferred an amount of {$2000.00} us and paid {$100.00} dollars fees for that transaction, On XX/XX/XXXX, it had a total balance of XXXX distributed as follows : XXXX XXXX 24.74 % ( V ) {$1700.00} ( D ) XXXX 4 0.00 % {$1900.00} ( D ) {$0.00} ( Balance Transfer Rate Expires XX/XX/XXXX ) On XX/XX/XXXX, I contacted the Citi Bank customer service line and asked if I were making a payment of {$2000.00}, that payment would be applied to standard purchases or to the balance transfer, the bank employee informed me that it would be paid to the capital with higher interest. 
For the corresponding period of the month of XXXX, between XX/XX/XXXX and XX/XX/XXXX, the minimum payment for the credit card was {$62.00}, however, I made the following payments : XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$100.00} XX/XX/XXXX ELECTRONIC PAYMENT-THANK YOU- {$2100.00} With surprise, I observed in the statement for the month of XX/XX/XXXX that my extraordinary payment was applied proportionally to both standard purchases and the balance transfer, as can be seen below XXXX  XXXX 25.49 % ( V ) {$890.00} ( D ) {$19.00} XXXX 4 0.00 % {$1100.00} ( D ) {$0.00} On XX/XX/XXXX, I contacted the client service of Citi Bank XXXX after explaining the situation to two of the employees, they left me waiting on the phone and hung up on me, it took about an hour and a half on the phone, but finally, I contacted the employee, it was XXXX XXXX, the employee gives me false information, first, he told me that the payment was paid to the next installments and then he said that it was applied to the installment that was going to expire in XXXX. Finally, he did not give me any solution. 
In consequence, I see my rights as a financial consumer violated because the payment should have been paid to standard purchases with higher rates, because I paid a charge of {$100.00} for the balance transfer with a rate of 0 % until the XXXX of XX/XX/XXXX, the date that has not expired. Likewise, the employees were inconsistent and gave me false information regarding the way in which the extraordinary payments would be applied. 
In consequence, I see my rights as a financial consumer violated because the payment should have been applied to standard purchases with higher rates, because I paid a charge of XXXX dollars for the balance transfer with a rate of 0 % until the XXXX of XX/XX/XXXX, the date that has not expired. Likewise, the employees were inconsistent and gave me false information regarding the way in which the extraordinary payments would be applied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation