Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
As of my most recent statement dated XX/XX/XXXX ( see attached ), I have the following balances on my Citi XXXX XXXX ending in XXXX : - A Promotional Purchases balance of {$1100.00} at 0.00 % APR until XX/XX/XXXX - A Promotional Purchases balance of {$1.00} at 0.00 % APR until XX/XX/XXXX - A Balance Transfer balance of {$1900.00} at 1.99 % XXXX until XX/XX/XXXX ( after my most recent payment of {$140.00} was unexpectedly applied to it in its entirety. ) I have recently made the following payments on my credit card : {$140.00} on XX/XX/XXXX {$270.00} on XX/XX/XXXX Upon reviewing my statement dated XX/XX/XXXX, I have noticed that my entire payment of {$140.00} made on XX/XX/XXXX was applied to my balance transfer with promotional APR expiring XX/XX/XXXX, and none of it was applied to my promotional purcases with promotional APR expiring XX/XX/XXXX. 

I have then called my credit card, found out that my {$270.00} payment on XX/XX/XXXX was also applied in its entirety to my Balance Transfer balance with promotional APR expiring XX/XX/XXXX and none of it was applied to my promotional purcases with promotional APR expiring XX/XX/XXXX, and requested that both my payments on XX/XX/XXXX and on XX/XX/XXXX were re-allocated to my promotional purcases with promotional APR expiring XX/XX/XXXX. 

The credit card issuer had flat-out declined to reallocate payments as per my request, advising me that both these XXXX payments and my future payments will keep on being applied to my Balance Transfer balance expiring XX/XX/XXXX until that balance is paid off, and only then will they be applied to my promotional purchases balance with promotional APR expiring XX/XX/XXXX. 

This will result in my inability to take full advantage of the length of Balance Transfer promotional APR period expiring XX/XX/XXXX without also incurring a usury 32.74 % APR after XX/XX/XXXX on my promotional purchase balances with promotional 0.00 % APR expiring XX/XX/XXXX, effectively requiring me to pay off all promotional APR balances ( both promotional purchase and balance transfer ) by XX/XX/XXXX to avoid being charged 32.74 % usury APR on my purchase balances after XX/XX/XXXX and losing almost a year of my balance transfer promotional APR period from XX/XX/XXXX through XX/XX/XXXX. 

Given the above, I have requested the credit card issuer to accept a payment in full of the outstanding balance transfer balance and waive the {$60.00} balance transfer fee so that I could take advantage of a different balance transfer offer with a 0.00 % APR that would not result in this payment application issue, or to waive the {$60.00} balance transfer fee and allow me to pay off the balance transfer by XX/XX/XXXX since I'm not getting a full advantage of the product that I paid {$60.00} for. The credit card issuer has declined to provide either option. 

I feel this is a deceptive, dishonest and unfair practice on the side of the credit card issuer, and is effectively a bait-and-switch situation, with me having purchased a balance transfer with an advertised promotional APR expiration date of XX/XX/XXXX of {$60.00} yet not being able to take full advantage of this full promotional APR period due to the credit card issuer 's unwillingness to honor my request to allocate my payments above the minimum due to the balances with promotions expiring soonest first and the issuer 's unwillingness to further resolve this situation given their advertised balance transfer promotional APR period won't materialize for me- primarily due to their rigidity and their failure to honor my payment allocation requests, as permitted by the CARD Act of 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