Consumer complaint received 2024-12-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased an automobile audio system from Best Buy on XX/XX/XXXX. I charged the {$430.00} purchase to a Best Buy credit card provided by CITI Bank. XXXX  account is a XXXX XXXX, which allowed me XXXX  months to pay the total balance without incurring any interest as long as I paid a minimum amount each month. I made all of the payments in a timely manner, and of an amount more than the minimum required. I made the first payment of {$25.00} on XX/XX/XXXX. Another payment on XXXX, XXXX, XXXX of {$50.00}. A payment on XX/XX/XXXX of {$40.00}, then the XXXX payment on XX/XX/XXXX od {$40.00}. The XXXX payment was not due until XX/XX/XXXX so, the bank refused to credit the account for the XXXX payment, and treated it as an extra XXXX payment. I filed a dispute with the bank for not properly crediting my XXXX payment. I made the XXXX payment of {$30.00} on XX/XX/XXXX. A LATE FEE of {$29.00} was reversed. 
XX/XX/XXXX LATE FEE REVERSAL $ XXXX XX/XX/XXXX ONLINE PAYMENT XXXX IL $ XXXX TYPE payment REFERENCE NUMBER XXXX The XXXX payment on XX/XX/XXXX, which was the due date, of {$30.00}. The bank charged a LATE FEE of {$40.00}, although the payment was timely. I requested an explanation, and was told that they would have to check with the Best Buy store. Later, it was requested that I telephone to them, which I refused to do. 

XX/XX/XXXX ( {$30.00} ) ONLINE PAYMENT XXXX IL payment # # # # # # # # {$40.00} LATE FEE late fee XX/XX/XXXX {$0.00} INTEREST CHARGE ON PURCHASES interest charged XX/XX/XXXX {$0.00} INTEREST CHARGE ON CASH ADVANCES interest charged The XXXX payment of {$30.00} on XXXX, XXXX. XX/XX/XXXX a payment of {$30.00} was made to the account. Again, a {$40.00} LATE FEE was charged, although the payment was not late. And, {$0.00} interest was charged, although I was paying the account consistent with the requirements of the promotional. 
XX/XX/XXXX ( {$30.00} ) ONLINE PAYMENT XXXX IL payment # # # # # # # # {$40.00} LATE FEE late fee XX/XX/XXXX {$0.00} INTEREST CHARGE ON PURCHASES interest charged XX/XX/XXXX {$0.00} INTEREST CHARGE ON CASH ADVANCES interest charged XX/XX/XXXX, a payment of {$30.00} was made. The {$40.00} LATE FEE was charged again, although the payment was on time. And, {$1.00} charged as interest with no explanation. 
XX/XX/XXXX ( {$30.00} ) ONLINE PAYMENT XXXX IL payment XX/XX/XXXX {$40.00} LATE FEE late fee XX/XX/XXXX {$1.00} INTEREST CHARGE ON PURCHASES interest charged XX/XX/XXXX {$0.00} INTEREST CHARGE ON CASH ADVANCES interest charged On XX/XX/XXXX, a payment of {$30.00} was made. LATE FEE of {$40.00} was charged, and {$1.00} in interest, although the payment was on time, and more than the minimum payment paid. 
XX/XX/XXXX ( {$30.00} ) ONLINE PAYMENT XXXX IL payment {$40.00} LATE FEE late fee XX/XX/XXXX {$1.00} INTEREST CHARGE ON PURCHASES interest charged XX/XX/XXXX {$0.00} INTEREST CHARGE ON CASH ADVANCES interest charged On XX/XX/XXXX, a payment of {$30.00} was made. The {$40.00} LATE FEE was initially charged, then deducted but, an interest charge of {$1.00} was added, although I had made more than the minimum payment. 
XX/XX/XXXX ( {$30.00} ) ONLINE PAYMENT XXXX IL payment {$40.00} LATE FEE late fee XX/XX/XXXX ( {$40.00} ) LATE FEE late fee # # # # # # # # {$1.00} INTEREST CHARGE ON PURCHASES interest charged # # # # # # # # {$0.00} INTEREST CHARGE ON CASH ADVANCES interest charged On XX/XX/XXXX, I paid the balance on the account of {$67.00}.

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