Citibank 's Credit Card division is charging me a late fee. I sincerely apologized for any inconveniences caused on my end. My card was not valid since the end of XXXX so I did not know there was any balance being carried on my card. I was sent an email by the Citicards, saying a small balance was due, and immediately went to pay the full balance owed on the account when I saw this but was charged fees on top of this balance. I made the payment through my checking account with Citibank. I do not seem to be the type of consumer that the Citibank Credit Card division would credit charges of {$25.00} to automatically. I made such a request through the bank 's online messages. I have been a good cardholder for the company since 2010 and would appreciate continuing the relationship in good faith. I would be open to taking any action which Citibank would be agreeable to to be credited the late fee including closing some of my accounts. 
