Citi changes my due date - anyone else notice this?

[creditwherecreditisdue]

---

@Anonymous wrote:

---

@creditwherecreditisdue wrote:

---

@Anonymous wrote:

I check the payment due date on the Citi website early every billing cycle as I prepare a spreadsheet, which I refer to all month as I schedule my bill pays.  About every other month or so, the date they were showing at the beginning of the billing cycle has changed by the time I go online again to make the payment. On July 13, it said my due date was Aug 6, today I go to make the payment and it says Aug 4!! This is not the first month this has happened. I'm just glad I leave myself a few days of wiggle room.

---

No CC I have ever had changed the due date within a billing period like this. If OP can record screen shots exemplifying this he should make a huge deal about it. If documentable I would consider this serious scamming.

---

+1

Many CCCs have statement dates and/or due dates that vary by 2-3 days month-to-month, but once the statement closes, and the new upcoming due date is posted on the website, it should never change. That is indefensible.

I have never seen it happen on any of my accounts, although it sounds like the kind of thing the old evil try-everything-in-the-book-to-trap-customers Providian might have done ...

---

It sure does. And they paid through the nose for their transgressions. (About $600 million I think.)

[creditwherecreditisdue]

---

@smallfry wrote:
My Citi DP has different cut dates each month and the grace period is all over the place. This month will be 23 days last month was 26. I would be careful with the paperless billing. As of last month no PDF download is available. I went back to paper statements.

---

I still have PDF downloads for my DP statements. (Including the most recent statement.)

[llecs]

---

nrgmagic wrote:

Has anyone else experienced this?  Is there anything a customer can do?

---

Actually I had this happen 2-3 times over the past couple of years, that I know of. DW also has a Platinum Select and I also enter everything into a spreadsheet tracking of all things, due dates. Yes, they fluctuate depending on the billing cycle, but I've noticed a couple of times where they have posted one due date and within a week or two completely change the due date by a couple days at the least. I check every CC at least once a week and caught Citi doing that.

[smallfry]

As of my July 3rd statement the only options were Quicken download or some delimiter nonsense. The older statements I can still view as PDF but not the newest one.

[creditwherecreditisdue]

---

@llecs wrote:

---

@Anonymous wrote:

Has anyone else experienced this?  Is there anything a customer can do?

---

Actually I had this happen 2-3 times over the past couple of years, that I know of. DW also has a Platinum Select and I also enter everything into a spreadsheet tracking of all things, due dates. Yes, they fluctuate depending on the billing cycle, but I've noticed a couple of times where they have posted one due date and within a week or two completely change the due date by a couple days at the least. I check every CC at least once a week and caught Citi doing that.

---

One of the violations Providian committed and was severely sanctioned for was the systematic past posting of payments. I don't see much difference between that practice and arbitrarily moving the due date back once the statement has been issued. If I could document such a change I would give them one shot at explaining it and then I would file a complaint with the OCC. What a reprehensible practice.

[creditwherecreditisdue]

---

@smallfry wrote:
As of my July 3rd statement the only options were Quicken download or some delimiter nonsense. The older statements I can still view as PDF but not the newest one.

---

My 15JUL statement is available as a PDF. Weird!

[Anonymous]

As far as Citi's explaination, they claim it's because each billing cycle is a different length of time, some months - 29 days, some months - 32 days, etc. Ok, fine, but I'm sure they do not make that decision each month, as is happens. The calendar is pretty much set, last time I checked. If they wanted to, they could schedule due dates to the end of time and there would be no reason to change them.

From now on, I will make it my job to document each and every month the due date at the beginning of the billing cycle and again when I make my payment. They're already caught, now I just have to prove it.

FYI, I heard of this practice in the mainstream media as the credit crisis exploded last fall. Problem is, I seem to recall it was legal. Anyone know the law on this?

[creditwherecreditisdue]

---

@Anonymous wrote:

As far as Citi's explaination, they claim it's because each billing cycle is a different length of time, some months - 29 days, some months - 32 days, etc. Ok, fine, but I'm sure they do not make that decision each month, as is happens. The calendar is pretty much set, last time I checked. If they wanted to, they could schedule due dates to the end of time and there would be no reason to change them.

From now on, I will make it my job to document each and every month the due date at the beginning of the billing cycle and again when I make my payment. They're already caught, now I just have to prove it.

FYI, I heard of this practice in the mainstream media as the credit crisis exploded last fall. Problem is, I seem to recall it was legal. Anyone know the law on this?

---

It is a deceptive (trans: fraudulent) business practice. How could it be legal? It is just as "legal" as Providian laying 1000's of checks aside and processing them a week later. They considered that to be "legal" and it ended up costing them hundreds of millions of dollars. Too bad Joe Average never saw more that crumbs.

[Anonymous]

what's the big deal as long looking at your statements , bue dates don't change mid cycle, it's only the people that iignore their statments that have problems with it

[creditwherecreditisdue]

---

@Anonymous wrote:
what's the big deal as long looking at your statements , bue dates don't change mid cycle, it's only the people that iignore their statments that have problems with it

---

How many people have specifically stated in this thread that their due date was changed after the statement was cut? Three, Four?? That's good enough to make a believer outta me!