Citibank Credit Card Complaint

Citibank Credit card department,

Late fee California

I received an email notification from Citibank ( credit card ) that my - payment in the amount of $500.00 was returned due to the payment account being closed. I made my - payment on - - ( due date was - ) via the Citibank website. The website listed - payment accounts ; however only - was available to choose because the other account was listed as " cancelled. '' In fact, during the process of making the payment, the cancelled account was not listed in the drop down menu for choosing a payment account. The other payment account was listed as active and this account was the only - listed in the drop down menu. Meaning the website only allows users to choose the active payment account. The cancelled payment account was an old - Bank account used in the past. The active payment account was my current - account, which I have been using to pay my monthly Citibank payment for the last few months. This can be seen in my payment history. When I made my - payment via the Citibank website, I made it with my current - payment account. Again, it was the only


Citibank got notification of the payment return on -. They charged a late fee on -. However, they took 5 days to notify me of the returned payment, which in essence forced the late payment. As soon as I received the email, I called customer service to attempt to remedy the situation and correct the payment. The agent told me that it was quite possibly a computer glitch which caused Citibank to draw from the incorrect account. However, I now see that I am being charged a late payment fee and I am being told that Citibank will report a late payment to the credit agencies. I did not make a mistake by clicking on the old - account because it was not even an option for me to do so ; therefore, I do not believe I should be charged a late fee and I do not believe this matter should negatively effect my credit report. There is an obvious problem with Citibank 's website payment process that allows old/closed accounts to be utilized for payment.