CITIBANK, N.A.


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"Products" offered by CITIBANK, N.A. with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Pawn loan
Consumer Loan - Personal line of credit
Consumer Loan - Title loan
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Payroll card
Credit card or prepaid card - Store credit card
Credit card or prepaid card - Student prepaid card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt collection - Rental debt
Debt collection - Telecommunications debt
Debt or credit management - Credit repair services
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Mortgage - Reverse mortgage
Mortgage - Second mortgage
Mortgage - VA mortgage
Other financial service - Check cashing
Other financial service - Credit repair
Other financial service - Debt settlement
Other financial service - Foreign currency exchange
Other financial service - Money order
Other financial service - Refund anticipation check
Other financial service - Traveler’s/Cashier’s checks
Payday loan -
Payday loan, title loan, or personal loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Other advances of future income
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Prepaid card - General purpose card
Prepaid card - General-purpose prepaid card
Prepaid card - Gift card
Prepaid card - Gift or merchant card
Prepaid card - Government benefit card
Prepaid card - Government benefit payment card
Prepaid card - ID prepaid card
Prepaid card - Mobile wallet
Prepaid card - Other special purpose card
Prepaid card - Payroll card
Prepaid card - Transit card
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Loan

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Complaint ID: 8012635

Date Received: 2023-12-16

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: Around XX/XX/23, I opened a Citi Accelerated Savings account and completed an ACH transfer from my XXXX checking account in the account of {$14000.00}. The funds were posted as a Withdraw from my XXXX account. Last week, I had an opportunity to obtain a higher return on investment on my money and attempted to transfer the funds back to my XXXX account, the Citi portal indicated that the transfer is blocked for a MFA review and to call XXXX. They mentioned the transaction is being reviewed and take 24 hours. I called XXXX on XX/XX/23 to check on the status as I still can't transfer the funds and they instructed me to call back on Monday XX/XX/23. As of XXXX XX/XX/23, not only are the funds not being able to be transferred but Citi has made my accounts inactive. THEY HAVE {$14000.00} on my hard-earned money and won't release it!!!! Please Help!!!!!

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: FL

Zip: 32819

Submitted Via: Web

Date Sent: 2023-12-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8012295

Date Received: 2023-12-17

Issue: Other features, terms, or problems

Subissue: Other problem

Consumer Complaint: Lowering credit limit to balance of card, also withdrawing any cash advance limit. This giving Citi bank a chance of doubling the interest rate and possible over the limit fees once interest charges post to account monthly. Inability to pay off debt in a timely manner, and not accrue additional charges is abuse to the consumer!!!!! Restrictions and guidelines should be enforced to limit the abuse for consumers that use credit cards.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: GA

Zip: 31322

Submitted Via: Web

Date Sent: 2023-12-17

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8012095

Date Received: 2023-12-17

Issue: Improper use of your report

Subissue: Credit inquiries on your report that you don't recognize

Consumer Complaint: There are inquiries that I did not authorize and dont have accounts to.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NY

Zip: 11106

Submitted Via: Web

Date Sent: 2023-12-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8011524

Date Received: 2023-12-16

Issue: Closing your account

Subissue: Can't close your account

Consumer Complaint: I submitted a complaint via cfpb to Macy 's on XX/XX/XXXX - complaint number XXXX, requesting that my credit card account with associated online account be closed. Macy 's responded that I still had an outstanding balance ; however, failed to outline in their writing that I was not able to pay my bill without me receiving a replacement card, which I never received. A new account number was assigned without me ever seeing the full account number. To this date, I do not know the full account number. It was truly a credit debacle for which after months and with cfpb 's assistance, I was finally provided a way to pay my bill and the matter was deemed closed by Macy 's and cfpb. However, on XX/XX/XXXX, I received a letter from Macy 's XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, titled, " An Important Notice Regarding Your Account '' stating they are writing me " in reference to [ my ] Macy 's account, please refer to the enclosed privacy notice. '' There was no enclosed privacy notice. The letter further directed that I keep the letter for future reference. I am once again concerned that my record with Macy 's has not been properly closed. I should not be receiving any further correspondence or advertisement from Macy 's.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: MD

Zip: 21114

Submitted Via: Web

Date Sent: 2023-12-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8011386

Date Received: 2023-12-16

Issue: Closing an account

Subissue: Company closed your account

Consumer Complaint: XX/XX/XXXX or so, I Open the acount at Citibank. upon opening the account. I deposited a {$150.00} from my XXXX XXXX account into the city priority account. I had did as well as setup direct deposit with XXXX XXXX XXXX which i recieve my XXXX XXXX XXXX benefits from my work. I have never even used my debit card. The reason I opened an account with Citi was because I've had my identity stolen twice this year and they had sign on benefits. I had my XXXX check depositwd around XX/XX/XXXX and Immediately my Account was locked and they called it a fraud alert, i called numerous times and every time it was always redirected to the fraud department, not given much information but telling me i had to wait for this letter with the reference number. After waiting 11 whole days with 0 money. I got it. Thinking this would save all the problems it only got worse. They went into tell me now my account would be closed within 30-60 days and I MAY rwcieve my money back via Check in the mail. No one could help me. I've called multiole times, seems as i may get some help and they look me up ans then they say the same thing and habg up on me with no explanation. Ive tried every reference online. Sent emails. Left complaints to each agency and nothing. I did file a complaint with them directly and got this number XXXX. My name is XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Idaho XXXX. My phone number is XXXX. I am a XXXX XXXX XXXX with no income placed home and unable to work due to multiple inquiries due to a domestic situation. I am faced with no money to pay my bills and even facing eviction. Looks as if Citi gets this momma money too. How can this be legal?? How can they do this?

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: ID

Zip: 834XX

Submitted Via: Web

Date Sent: 2023-12-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8010896

Date Received: 2023-12-16

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: This is the third time I am submitting a complaint. After this I will be looking into legal action for discrimination. My phone carrier is not supported by Citi bank and they are refusing to let me access my funds unless I change my phone carrier. This illegal discrimination against low income families and customers is unacceptable and I will be seeking compensation and relief for this constant harassment.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CA

Zip: 90405

Submitted Via: Web

Date Sent: 2023-12-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8010829

Date Received: 2023-12-16

Issue: Closing your account

Subissue: Company closed your account

Consumer Complaint: I had a perfectly good line of credit with Citibank. I had been a customer for 20 years. Several years ago I started using their mobile app. All was fine until I entered a second bank XXXX XX/XX/XXXXXXXX XXXX ) that I was going to be making payments from. Unfortunately, I decided not to move forward with moving my account over to XX/XX/XXXXXXXX XXXX. However, twice recently, when I clicked on the " convenient '' pay my bill button, Citibank tried to take the money from the XX/XX/XXXX XXXX XXXX, despite that I had thought I reset XXXX as my primary bank. It was a simple technical error. I had plenty of money in XXXX to pay off the entire $ XXXX balance, which I did immediately that Sunday after learning of the action. I appealed, but they declined to re-open my card. Again, it was because I didn't understand sufficiently how to manage the app that this whole situation occurred. But frankly, I am technically saavy and thought I had indeed switch XXXX back to being my primary account. So it could have been a technical glitch on their end. They closed my card and I suspect it was something on their app that was at fault. They did so the week before XXXX and also as I was trying to purchase a house, which showed up as an adverse reaction and destroyed my credit score, which was over XXXX. Shame on them.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NJ

Zip: 08638

Submitted Via: Web

Date Sent: 2023-12-16

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8010495

Date Received: 2023-12-15

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: Notice to opt Out Per 15 USC 6802 Per the FCRA ; as a Federal protected consumer, I am now opting out of any and all authorization I the consumer may have given you or your company in written, non-written, verbal, and non-verbal form. I am rescinding all authorizations per 15 USC 6802. This is effective immediately and indefinitely.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: FL

Zip: 33334

Submitted Via: Web

Date Sent: 2023-12-20

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8010414

Date Received: 2023-12-15

Issue: Problem with a purchase shown on your statement

Subissue: Credit card company isn't resolving a dispute about a purchase on your statement

Consumer Complaint: I have ordered XXXX XXXX XXXX from XXXX. XXXX Upon opening the package, I discovered the screen has a crack and ordered the replacement on XX/XX/XXXX after reported to XXXX. I mailed back the damaged package with tracking #. A day later XXXX XXXX was order was canceled by XXXX with no reason giving. When I asked why the replacement was cancel the agent has no answer for me. Then I decided to order from another vendor XXXX. I ordered the same phone with XXXX instead. Same price XXXX. The following week it was XXXXXXXX XXXX the same exact phone was reduced to the price of {$850.00} I have returned back the XXXX order and purchased the lower price one from XXXX again order #. Until XX/XX/ I have discovered on the credit card investigation package of tracking # that was sent to my address. I immediately report to XXXX that I havent never received any notification or any type of communication. XXXX agent refused to help and ask me to contact XXXX for a missing package that they sent. When I contacted XXXX I was told only sender can request credit and from receiver. XXXX refused to file a missing package on my behave and refused for refund along with the BestBuy credit card company. I have paid my credit card, {$1100.00} with fee and interest due to the failure of XXXX not filing the missing package.

Company Response:

State: PA

Zip: 18940

Submitted Via: Web

Date Sent: 2023-12-20

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8009805

Date Received: 2023-12-15

Issue: Problem with a purchase shown on your statement

Subissue: Credit card company isn't resolving a dispute about a purchase on your statement

Consumer Complaint: A fraudulent charge for {$50.00} showed up on my card on XX/XX/. The credit card website would not allow me to report the charge as fraudulent, so I called them on XX/XX/XXXX to report it. I spoke to two different people and told them both that I did not make the charge. They reversed it " conditionally '' and coded it as goods not received. When the vendor provided them with information about the sale, the credit card company told me I was responsible for the charge and charged it back to my account. I sent them an email on XX/XX/XXXX telling them that I did not make this charge, and they responded that it would be closed by XX/XX/. I sent them another email on XX/XX/2023 and then called them on XX/XX/XXXX because there had been no updates. On XX/XX/, their fraud department told me they would close the account and issue a new card but it would take them one to two billing cycles to investigate the fraud and reverse the charge despite my reporting it over two months ago. I believe Citi bank has a pattern of denying fraud charges and intentionally making it more difficult to report, particularly with online retailers. This is based on my past experiences with this same credit card and my interactions with their customer service department.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CO

Zip: 80205

Submitted Via: Web

Date Sent: 2023-12-15

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.