In XXXX of XXXX I availed myself of a XXXX % balance transfer offer from Citibank which would come due on XXXX/XXXX/XXXX. In XXXX of XXXX I received my statement which was due on XXXX/XXXX/XXXX and I paid my entire balance due ( which included a the balance of the transfer offer ). I made additional purchases on my credit account on XXXX XXXX ( which would be my XXXX billing date. Although I paid my entire balance in full as of the due date, Citibank applied my payment in full of my XXXX statement to the purchases made AFTER the statement generation thus leaving me a balance on the transfer offer subject to interest. They claim the " government '' requires them to do this, however, as the consumer IT IS MY MONEY. It was my intention to pay my entire billed balance as of my XXXX statement in FULL which included the balance transfer offer and NOT my UNBILLED charges for the XXXX period. If an account is paid in full during a statement period the charges INCLUDED in that statement should be satisfied and the XXXX charges for the next statement period are the ones that should remain on the account. As the consumer I should be in control of the funds applied to my account NOT the bank. If a payment greater than the minimum is made the CONSUMER should have the right to direct those funds to the balance NOT the bank/government. The bank or the government SHOULD NOT be making these decisions for me. I should maintain the right to pay off the debt that I CHOOSE. 
