Consumer complaint received 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
b"Let me start by saying this is a continuation of a previous complaint from XX/XX/XXXX Complaint number XXXX XXXX against Citi. So I will Restate my previous statement from there below.\nn XX/XX/XXXX I Got a refinance loan thru XXXX XXXX to pay off a Citi loan, XXXX For XXXX, along with another thru XXXX XXXX. The XXXX XXXX and others were paid in full right away. But the Citi loan wasn't, Citi only applied the XXXX as a payment, which it wasn't. So I know that they got a mailed check on XX/XX/XXXX for the amount of XXXX because that was the only way any payment was made for that account. So I called XXXX to make sure they sent the whole amount, which they say they did. So next I called Citi to find out what happened. And why they only applied XXXX to my loan from a check of XXXX I got run around for an hour on the phone transferred all over departments, still no clear answer other than it tales 10-14 days to show up being credited. So called XXXX and they said they would resubmit the XXXX to Citi again. Now almost a month after Citi has credited my the XXXX they still haven't credited any of the total amount of XXXX that they received on the XX/XX/XXXX. This is a big problem because now Citi is showing this account as being overdue, which it shouldn't/wouldn't be if they had properly taken the payment f XXXX that They received on XX/XX/XXXX, which they acknowledged by posting a mailed check of XXXX. So I feel that either someone at Citi is not doing their job or is trying to steal my money/payoff. Any help would be appreciated. I have a copy of my TILA from XXXX saying what amount was sent to Citi, and with the other loan at XXXX XXXX being paid, why would I not trust XXXX to have done the same with the Citi account? Thanks.\n\nAs of today, XX/XX/XXXX, This has gone on too long. Now, I sent in a payment of XXXX , which was cleared on XX/XX/XXXX, according to the info on Citi's account site. It says Mailed check, which it wasn't it was sent from my XXXX XXXX checking account it was not. Then on XX/XX/XXXX it shows a credit balance refund of XXXX. (Referance XXXX) And I have no clue what this is for and why it shows as a withdrawl. And then on XX/XX/XXXX it shows a payment reversal of XXXX (ReferanceXXXX XXXX). Which hasn't been explained why Citi refused the payment. I justdon't understand why Citi has refused to accept the payment in full of this account. I have been trying to pay this off since the begining ofXX/XX/XXXX, going thru another payment service three times it was not accepted. So then, I get the money put into my personal account, and send payment thru the online site, and it was still not accepted. And it also is wrong showing that it was a mailed check, it was not, it was a payment from my XXXX XXXX personal account, ending in XXXX. Which is where almost all of payments were sent from before without any problems. And from which I have now sent in a payment of XXXX today XX/XX/XXXX. I want to know why, why, why, it makes o sense. This Citi account has taken payments from my XXXX XXXX account before now why is it a problem? I know that the money to pay the XXXX was available in my account. This needs to be resolved ASAP, CITI has drug this out for 3 months for whatever reason and now charged me an additional fee of XXXX which I should've not incured if this was taken care of in the first case back in XXXX of this year. Sincerly, XXXX XXXX XXXX"

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