Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My wife and I have ( for many years ) a XX/XX/XXXX, issued by CitiBank, Payment Address : XX/XX/XXXX XXXX XXXX XXXX XXXX, KY XXXX We are highly suspicious that since XXXX, XXXX, XXXX XXXX XXXX CitiBank ) has been holding, or failing to process our payments until after the account due date in order to improperly assess interest and late fees to our account. 

We receive monthly statements from XXXX XXXX ( CitiBank ), and we routinely pay on time by having our personal bank ( XXXX, XXXX XXXX, TX ) send bank checks to our creditors six days before the due date ( XXXX suggests allowing four days for mail delivery. ) We have no problems paying other creditors by this method. 

In early XXXX, XXXX, we received a statement from XXXX XXXX ( CitiBank ) indicating a balance of {$760.00} due on XX/XX/XXXX. We authorized XXXX to mail a check for the full amount on XX/XX/XXXX. CitiBank didn't process our check until XX/XX/XXXX, which was six days after the XXXX due date. 

As a result of the delayed processing of our XXXX payment, CitiBank carried over the XXXX balance to our XXXX statement, showing an account balance of {$950.00} ( which included interest of {$22.00}, and a late fee of {$29.00} ), with payment due on XX/XX/XXXX. We authorized XXXX to pay the full balance, and it was mailed on XX/XX/XXXX. Because CitiBank processed and cashed our prior payment of {$760.00} on XX/XX/XXXX, we actually overpaid in XXXX. 

On XX/XX/XXXX, we received the attached email from XXXX XXXX ( Citi Bank ), indicating that our XXXX payment was Past Due. This is impossible to believe since our bank ( XXXX ) confirmed that it mailed the payment on XX/XX/XXXX. We spent considerable time on the phone with a CitiBank Customer Service Representative ( XXXX XXXX on XX/XX/XXXX, who advised that our XXXX payment of {$760.00} was posted on XX/XX/XXXX, but he had no record of our XXXX payment ( {$950.00} ). He credited our account {$40.00} to cover the late fees ( inadequately ), and suggested that we call back on Monday ( XX/XX/XXXX ) to see if our XXXX payment had been received. We suggested that we would call on Tuesday, since there would be no mail delivery on Monday ( the XXXX Holiday ). 

On Tuesday, XX/XX/XXXX, we called CitiBank, and the representative said they had still not received our XXXX payment ( mailed on XX/XX/XXXX ). 

On Thursday ( XX/XX/XXXX ) we received an email from XXXX XXXX, thanking us for our XXXX payment, which they had posted on XX/XX/XXXX ( which had been mailed on XX/XX/XXXX ). 

Since we pay all of our accounts by this method without problems, we are led to strongly suspect that CitiBank is intentionally not processing payments when received, resulting in improper interest and late fees being charged. We expect all interest and fees to be reversed, and we request a PROMPT REFUND of our overpayment with interest at the same rate that CitiBank charges.

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