Comments on: Fighting a $15 Late Fee from Citibank http://www.cleverdude.com/content/fighting-a-15-late-fee-from-citibank/ Family, Marriage, Finances & Life Sat, 11 Feb 2012 13:09:32 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: andrei http://www.cleverdude.com/content/fighting-a-15-late-fee-from-citibank/comment-page-1/#comment-71488 andrei Thu, 22 Apr 2010 18:04:57 +0000 http://www.cleverdude.com/?p=2250#comment-71488 My online payment didn't go thru on my Citi bank Master Card account as sheduled and I got charged $39. Emailed them and they were unable to refund me the money. Never been late and always pay my balance off. Just closed the account. Still have Visa card with them and was planning to use it for family vacation. Will reconsider. Citi bank customer since 2002. My online payment didn’t go thru on my Citi bank Master Card account as sheduled and I got charged $39. Emailed them and they were unable to refund me the money. Never been late and always pay my balance off. Just closed the account. Still have Visa card with them and was planning to use it for family vacation. Will reconsider. Citi bank customer since 2002.

]]> By: SingleGuyMoney http://www.cleverdude.com/content/fighting-a-15-late-fee-from-citibank/comment-page-1/#comment-38715 SingleGuyMoney Wed, 29 Apr 2009 02:25:57 +0000 http://www.cleverdude.com/?p=2250#comment-38715 That's one good thing I can say about Citibank, in my experience, they are pretty good about waiving fees. I've been a customer for over 12 years. I've slipped up and missed a payment twice in the past and both times, they waived the fee once I called them. That’s one good thing I can say about Citibank, in my experience, they are pretty good about waiving fees. I’ve been a customer for over 12 years. I’ve slipped up and missed a payment twice in the past and both times, they waived the fee once I called them.

]]> By: Clever Dude http://www.cleverdude.com/content/fighting-a-15-late-fee-from-citibank/comment-page-1/#comment-38119 Clever Dude Thu, 23 Apr 2009 11:53:15 +0000 http://www.cleverdude.com/?p=2250#comment-38119 @MoneyMateKate, perhaps they have a lower fee structure for those with spotless histories? And there was no fight whatsoever about knocking off the charge. I'm not sure I even asked to have it removed. I just told them there was a big mixup that caused the charge and I didn't know I had a balance. She just said "I'll reverse the charge". @MoneyMateKate, perhaps they have a lower fee structure for those with spotless histories? And there was no fight whatsoever about knocking off the charge. I’m not sure I even asked to have it removed. I just told them there was a big mixup that caused the charge and I didn’t know I had a balance. She just said “I’ll reverse the charge”.

]]> By: MoneyMateKate http://www.cleverdude.com/content/fighting-a-15-late-fee-from-citibank/comment-page-1/#comment-38090 MoneyMateKate Thu, 23 Apr 2009 04:14:46 +0000 http://www.cleverdude.com/?p=2250#comment-38090 I'm surprised (a) the late fee is only $15 - I thought Citi and everyone else had it around $39 these days, and (b) Citi didn't stick to their guns on the charge, since service fees seem to be their game plan for repaying the bailout loan. Phew! I’m surprised (a) the late fee is only $15 – I thought Citi and everyone else had it around $39 these days, and (b) Citi didn’t stick to their guns on the charge, since service fees seem to be their game plan for repaying the bailout loan. Phew!

]]> By: Kristy @ Master Your Card http://www.cleverdude.com/content/fighting-a-15-late-fee-from-citibank/comment-page-1/#comment-37872 Kristy @ Master Your Card Mon, 20 Apr 2009 16:41:26 +0000 http://www.cleverdude.com/?p=2250#comment-37872 Fortunately, I have not experienced this situation with any of my credit cards; however, I did have a problem with my cable company similar to this. I moved from one apartment to another and just transferred the service over. Silly me, I thought it was a simple transfer. Turns out that the account number at one apartment is closed out and a new account at your new apartment is opened. Personally, I think this is all a bunch of crap just so they can charge you an installation fee, but whatever. At any rate, I didn't know this so my online account showed a balance of $0.00. After a month or so, I thought this was rather strange so I call the cable company up. They tell me that they were about to send a disconnect notice and I'd be responsible for the reconnect fee. I pay the balance over the phone and then have the representative help me set up the online access for my new account seeing as there was no indication anywhere that I had to do that. I told the lady that their representatives should be instructed to inform customers calling to switch service that this is a step they need to take, but she brushed me off. That's Time Warner for you! Anyway, glad you were able to get that $15 fee taken care of! Great post, serves as a wonderful reminder on personal responsibility to our own credit! Thanks for sharing. Fortunately, I have not experienced this situation with any of my credit cards; however, I did have a problem with my cable company similar to this. I moved from one apartment to another and just transferred the service over. Silly me, I thought it was a simple transfer. Turns out that the account number at one apartment is closed out and a new account at your new apartment is opened. Personally, I think this is all a bunch of crap just so they can charge you an installation fee, but whatever. At any rate, I didn’t know this so my online account showed a balance of $0.00. After a month or so, I thought this was rather strange so I call the cable company up. They tell me that they were about to send a disconnect notice and I’d be responsible for the reconnect fee. I pay the balance over the phone and then have the representative help me set up the online access for my new account seeing as there was no indication anywhere that I had to do that. I told the lady that their representatives should be instructed to inform customers calling to switch service that this is a step they need to take, but she brushed me off. That’s Time Warner for you!

Anyway, glad you were able to get that $15 fee taken care of! Great post, serves as a wonderful reminder on personal responsibility to our own credit! Thanks for sharing.

]]> By: SmartSecurityPeople.com http://www.cleverdude.com/content/fighting-a-15-late-fee-from-citibank/comment-page-1/#comment-37864 SmartSecurityPeople.com Mon, 20 Apr 2009 14:17:51 +0000 http://www.cleverdude.com/?p=2250#comment-37864 Our household had a similar experience. They replaced our CitiBank cards (Heartland data breach is to blame for this round of card replacements) and did so right before the due date. We did not receive the cards until after the due date so we could not make an "on-time" payment online because the account had already been deactivated to accept electronic payments and I could not register the new card until I received and activated it.. I called and they took an eCheck over the phone for free. The process was a pain and of course I had to update all my automatic billing accounts that are charged to that credit card. ugh... Our household had a similar experience. They replaced our CitiBank cards (Heartland data breach is to blame for this round of card replacements) and did so right before the due date. We did not receive the cards until after the due date so we could not make an “on-time” payment online because the account had already been deactivated to accept electronic payments and I could not register the new card until I received and activated it.. I called and they took an eCheck over the phone for free. The process was a pain and of course I had to update all my automatic billing accounts that are charged to that credit card. ugh…

]]> By: Karen http://www.cleverdude.com/content/fighting-a-15-late-fee-from-citibank/comment-page-1/#comment-37861 Karen Mon, 20 Apr 2009 12:27:45 +0000 http://www.cleverdude.com/?p=2250#comment-37861 I just took care of our replacement Citi cards, and what a pain it was! Two bills were paid from it, EZPass and the Baltimore Sun, and the Sun's website does not let you update online very easily. Plus, when I went to pay my most recent Citi bill online from my bank account, I noticed that I needed to change it billing information to the new CC account number there too! Who knows what would have happened if I forgot that. It was definitely not worth all the trouble, especially when I keep an eye on my credit report anyway. I just took care of our replacement Citi cards, and what a pain it was! Two bills were paid from it, EZPass and the Baltimore Sun, and the Sun’s website does not let you update online very easily. Plus, when I went to pay my most recent Citi bill online from my bank account, I noticed that I needed to change it billing information to the new CC account number there too! Who knows what would have happened if I forgot that.
It was definitely not worth all the trouble, especially when I keep an eye on my credit report anyway.

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