Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX  What happened ( summary ) : XXXX XXXX  Citibank failed to properly reallocate reversed payments back to their original 0 % promotional balance transfer categories on XXXX credit card accounts. As a result, balances that should be interest-free under active promotional terms were treated as regular balances and have been charged interest improperly. Despite repeated attempts to resolve this through XXXX customer service and written disputes, the errors remain uncorrected and interest continues to accrue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have multiple Citi credit cards with active 0 % promotional balance transfer APR agreements. In XXXX separate situations, payments were reversed, but Citi did not reapply those amounts back to the promotional balance transfer buckets. Instead, Citi moved those balances into interest-bearing categories, causing ongoing and escalating interest charges. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A {$900.00} payment was made accidentally and reversed by Citi at my request. When the {$900.00} was returned to my account, Citi failed to reallocate it back to the original 0 % promotional balance transfer. Since the reversal, Citi has been charging interest on this amount every billing cycle. This interest should never have been charged. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX An old autopay from a dormant bank account was mistakenly used to pay approximately {$4000.00}. That payment was reversed. However, Citi did not reallocate the reversed amount back to the original 0 % promotional balance transfer. As of the most recent statement, the XXXX XXXX entire affected balance is now being charged interest XXXX XXXX  even though it originated from a 0 % promotional balance transfer and remains within the promotional period. 

In both cases, the balances originated from promotional balance transfers and should have remained under 0 % APR. Citis failure to properly reallocate reversed payments has resulted in incorrect interest charges and ongoing financial harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Contacted Citi multiple times via online chat and phone * Submitted formal written mail today to Billing Errors Department * Mailed a certified billing dispute letter under the Fair Credit Billing Act Citis online chat representatives have stated they can not resolve the issue, and the incorrect interest charges continue to appear on new statements. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reallocate all misapplied balances back to their original 0 % promotional balance transfer categories XXXX. Reverse and credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that resulted from these billing errors, including interest charged on the most recent statements, since XXXX. 
XXXX. Provide written confirmation that my promotional APR terms remain intact and unchanged

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 monetary relief