Complaint / Review
Citibank, Citi Cards
ACH payment posted late and $39 late fee not waived

I pay bills electronically from my bank using ACH transfers. Recently I scheduled a payment on 1/9 to go out the next day, 1/10, to Citibank. So the credit card company had the payment in hand that day, yet the payment wasn't posted to my account until 1/13 (Tuesday). The payment was declared late since it was due on 1/12. After 2 emails with customer service, they would NOT waive the $39 late fee plus interest for the month (I normally pay in full).

It seems to be an unfair business practice if the declared due date is really 3-5 days earlier than the stated due date. It is geared toward stiffing the consumer with a charge because they sit on posting the payment to the account.

I did check the online version of the cardmember agreement, and it only refers to the due date, noting nothing about paying earlier.