Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX  this is regarding credit card ends in XXXX and linked to me XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX XXXX in XXXX i went to validate an account checking XXXX and the bank XXXX suggested I open a new credit card offer which I did. However I changed my mind and never activated it. 

i was charged the yearly fee and then late payment and a week ago I tried to cancel my credit card and reverse the yearly fee because of non-use. I was told that was not possible because the credit card charge is opened when i signed for it not when I activated it. 

I asked the XXXX to elevate this discussion to a supervisor which was done XXXX  over the course of an hour. When I got to the XXXX  supervisor, I was disconnected due to a faulty connection and requested a call back which never happened. 

I ask Citibank to check the call records which will support my having called and having attempted to resolve this matter but then getting cut off. 

Citibank does not have any complaint number for a human being on its web site and at this point I will pay the fee under protest of bad faith buisness practices compounded by lack of response and deceptive upselling of credit cards. I feel forced to pay this because I do not want to hurt my credit rating but I would hope that I am refunded the full amount. 

if that is done with an apology that would be appropriate in my opinion; if not I would respectfully ask the citibank reply to provide me with contact information where I can elevate this complaint within the company. 

thank you for handling this complaint. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Member Since XXXX Account number ending in : XXXX Billing Period : XXXX Billing Inquiries and Customer Service XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ), ( TTY : XXXX ) www.citicards.com XXXX STATEMENT Minimum payment due : {$120.00} New balance as of XX/XX/XXXX : {$120.00} Payment due date : XX/XX/XXXX Late Payment Warning : If we do not receive your Minimum Payment by the date listed above, you may have to pay a late fee of up to {$41.00} and your APRs may be increased up to the Penalty APR of 29.99 %. 
Minimum Payment Warning : If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example : If you make no additional charges using this card and each month you pay... 
You will pay off the balance shown on this statement in about... 
And you will end up paying an estimated total of... 
Only the minimum payment XXXX  month ( XXXX ) {$120.00} For information about credit counseling services, call XXXX ( TTY : XXXX ). New York residents may contact the New York XXXX Department XXXX XXXX XXXX at ( XXXX ) XXXX or www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods. 
Your account is past due {$82.00}. Please pay at least the minimum payment due, which includes a past due amount. 
Account Summary Previous balance {$120.00} Payments- {$0.00} Credits- {$0.00} Purchase

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 non-monetary relief