Citibank, National Association Corporate

Complaint ID: 8476221

Product: Credit card

Sub-Product: General-purpose credit card or charge card

Issue: Problem when making payments

Subissue: Problem during payment process

Company: CITIBANK, N.A.

Complaint: Contacted credit card company in XXXX to payoff a balance transfer and was told I couldnt pay it off until it expired because payments are applied to highest interest rate balance first. Told to Call back after XX/XX/XXXX when it expired and it would be paid off then. Called XX/XX/XXXX to pay balance transfer 4 off and applied remaining payment to other balance transfer. Payment was {$900.00} which paid off balance transfer 4 with about {$100.00} left for other balance transfer offer. Didnt happen when I received statement I called XX/XX/XXXX and told it would have to be adjusted. Received letter saying they cant adjust it because now they have to apply it to the lowest rate balance first. False and misleading information. Deceptive practices just to get money from higher interest rate.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 8475784

Product: Credit card

Sub-Product: General-purpose credit card or charge card

Issue: Fees or interest

Subissue: Unexpected increase in interest rate

Company: CITIBANK, N.A.

Complaint: I have never had a credit late, payment late, or a collection, perfect payment history, my score is about XXXX for all XXXX scores. After paying down my card with a XXXX payment to Citibank, a few weeks later Citibank dropped my limit to over and over maxed out the amount of what I owed. Dramatically lowering my credit scores for NO reason. My Credit limit was XXXX.now it is XXXX ( Immediately I locked my Citibank Card ) After making the payment my balance was XXXX total. Citibank doubled my payment amount which was 67 % annual rate. Absolutely illegal and usury. I reached out to Citibank at least 6 times for a reason and they could not give me any reason. My credit is excellent. I also asked them why the payment was so high and that the interest rate was usury. After numerous attempt, including today being on hold over 1 and a half hours, was hung up on. My compliant in the payment and the rate, my card balance is now XXXX and my payment is XXXX per month ( Interest ONLY ) that is 67 % interest annually. This is Fraud and Usury.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 8475647

Product: Credit card

Sub-Product: Store credit card

Issue: Problem with a purchase shown on your statement

Subissue: Credit card company isn't resolving a dispute about a purchase on your statement

Company: CITIBANK, N.A.

Complaint: After my identity was stollen and and credit card was opened in my name a charge/purchase in the amount of {$620.00} was a made without my consent. This transaction was reported as a fraudulent transaction in 8 different times by me and was never credited my Macys credit card bank. I am making all necessary minimum payments at the moment to not effect my credit report.

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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