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: 7785447

Date Received: 2023-11-01

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: Citibank frozen my checking account, investment account and is refusing to unfreeze it. We call several times different departments for 2 months without any solution or answer. We can not withdraw, move the money or operate in the financial market. Citibank is limiting access to my money and account. They can't even give an estimate for when they would be able to fix it

Company Response:

State: FL

Zip: 32832

Submitted Via: Web

Date Sent: 2023-11-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7785377

Date Received: 2023-11-01

Issue: Trouble using your card

Subissue: Can't use card to make purchases

Consumer Complaint: I have tried and been denied the use of this XXXX XXXX Citi Bank XXXX XXXX card on several occassions since only opening this card in spring of XXXX. Just prior to traveling to the XXXX XXXX in XXXX XXXX I called them to let them know I'd be traveling, when and where I'd be traveling, and was told that unless I could give them the zip codes of where I would be traveling and where I might be using the card, they would lock my card and not allow me to use it. This even though I told them where I was traveling to ( what states ), what geographic areas I would be in while traveling, and when I would be traveling there. Other than the initial transactions, used at a Macy 's store, other purchases have been blocked and my card has been blocked from any use. I tried using the card in XX/XX/ to purchase concert tickets online, only for that transaction to be declined. I attempted again today, XX/XX/, to purchase concert tickets once again, only to be met with the same results. I have called the XXXX XXXX on the card, now for the XXXX time, only to be told the card is locked and a letter has been sent that will take XXXX business days to receive. While the letter is being sent, the card will be locked and not able to be used. They say a previous letter was also sent ( although they can not tell me when the letter was sent nor the context of the letter ). I verified my personal info with them several times and yet they refuse to tell me why the card was locked to begin with and what it will take to unlock the card. I provided them with my name, address, and even the last four of my social security number. My call was even escalated to a supervisor only to be told that escalating the call would do me no good since they can't tell me anything. At this point, the card is useless, and the people servicing the card are of no help whatsoever. They can't even tell me what it takes to pay the card off with the result of cancelling the card. I either want the access to use the card as I have requested and at my discrestion or I want the card cancelled so I can pay the balance off and move on from this joke of a credit card.

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

State: WA

Zip: 986XX

Submitted Via: Web

Date Sent: 2023-11-07

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7785230

Date Received: 2023-11-01

Issue: Fraud or scam

Subissue:

Consumer Complaint: We have sent XXXX wire transfers from XXXX XXXX to Citi bank as below as an investment to a forex broker and discovered that it is all fraud and scammers account. We worked with XXXX XXXX to communicate with XXXXXXXX XXXX to reimburse our funds as they are responsible for not identifying the fraud accounts but they were not responding. So I want to complain on Citi bank for not responding and for not reimbursing my funds. Date and amount of transfer was XX/XX/2023 {$10000.00}

Company Response:

State: AZ

Zip: 85259

Submitted Via: Web

Date Sent: 2023-11-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7785205

Date Received: 2023-11-01

Issue: Problem with a lender or other company charging your account

Subissue: Can't stop withdrawals from your account

Consumer Complaint: there were checks from my account for services never rendered by a contractor. i did write the check and tried to stop the payments by asking the bank for assistance. the bank has not helped me at this point and I need assistance. Check number XXXX, XXXX, XXXX, XXXX reference number XXXX I also have a complaint with the attorney general on this company and that refernce number is XXXX XXXX XXXX XXXXXXXX

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

State: IL

Zip: 60439

Submitted Via: Web

Date Sent: 2023-11-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7785084

Date Received: 2023-11-01

Issue: Problem with a purchase shown on your statement

Subissue: Card was charged for something you did not purchase with the card

Consumer Complaint: At XXXX XXXX XXXX on XX/XX/, I received an e-mail alerting me to a purchase on my Citibank XXXX XXXX XXXX card in the amount of {$10.00} including taxes. The purchase of XXXX gallons of regular unleaded gasoline was made at a XXXX XXXX located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. At the time I received the e-mail, I was sitting in my office at home in possession of my credit card. My wife does not drive nor have a card for this account, nor does anyone else. I suspect my credit card information may have been skimmed from a gasoline pump during my last fill up at the XXXX XXXX located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX on XXXX XXXX XXXX

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

State: TN

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-11-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7784158

Date Received: 2023-10-29

Issue: Managing an account

Subissue: Problem using a debit or ATM card

Consumer Complaint: On Wednesday, XX/XX/XXXX, at approximately XXXX XXXX XXXX, I received a mobile phone call from XXXX. The caller identified himself as " XXXX, a Citibank employee ''. He alerted me that there was suspicious activity occurring on my Checking account. After reviewing/confirming the transactions, I was alarmed, and he assured me that he would help me stop and reverse these items. Unbeknownst to me, this caller was an imposter and had already hacked into my Saving account and transferred {$3600.00} into my checking account, this was not authorized. Savings account Number is This fraudulent caller was skillful and professional in keeping me calm, insuring he would help me. In order to do so, he said we would use XXXX to transfer the funds to a phone number he provided, which was assigned to XXXX XXXX ; I do not know this person. I only know of this name when I saw it in the text confirmation. Additionally, the transfer occurred in three different transactions all to the same person. The transactions were for {$25.00} ; {$2400.00} and {$2500.00}. Once all funds were transferred out, the call ended, and I had less than {$5.00} in my checking account. As soon as the call ended, I immediately call the real Citibank Customer Service Number at XXXX, the same number the caller called from. The frontline Citibank employee started an investigation and within days I received a letter in the mail that my request for the funds to be returned was denied. Since then, I have called the only number I have for Citibank ( XXXX ) and I haven't been able to get beyond the frontline customer service representatives. These Customer Service calls seem to be outsourced to a foreign country in which the language is thick and my understanding is uncertain. Additionally, the frontline customer service representatives seem to be reading from a written script, in which they ask only the questions/statements on this script and not providing any intuition or common thought processing. Each time I would call, these frontline representatives did not present compassion or comprehension to what had occurred to me. In the last 12 months I have called the Citibank Customer Service Number to get help or clarification as to why my investigation keeps getting denied. Each time I called, I must be triaged by the same foreign country service representatives, each reading from the same script, neither asking follow-up questions. Never, not once, was I able to talk to a supervisor, manager, or person of seniority who had the authority to provide greater insight or investigate further. Each time I called, required me :45 - :90 minutes ; time entering selections on the phone, triage, on-hold while the foreigner looked up my account information, but mostly me trying to explain what happened. To help substantiate my lose, I filed a Crime Report with the XXXX XXXX XXXX XXXX Police Department. I have also, faxed my account statements, crime report, and printout of the fraudulent transactions to Citibank and my case was stilled denied. I have visited the local Citibank branch to ask for help but they claim that they can NOT help me because they too must call the same toll-free number, XXXX to be triaged like me. With the lack of cooperation with my numerous calls to Citibank, I have contacted the Local XXXX station ( XXXX XXXX ) in XXXX and have an upcoming interview with the segment, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ) is a Consumer Affairs Reporter, and the interview is intended to bring awareness to the length of fraud consumers are encountering from hackers. Finally, and interestingly, shortly after my account was hacked into and I lost all but {$5.00}, I was no longer able to use XXXX to send funds to friend/family, via XXXX. When I called the Customer Service number, XXXX, the representative says, the vendor is working on it and it was supposed to be done in a few days. This is telling to me that Citibank knows there is a problem with XXXX and its ability to be infiltrated, yet Citibank wont protect their account holder- for which I have been one since XXXX! Recently, I was listening to a XXXX XXXX XXXX ( XXXX ) story on Consumer Financial Protection Bureau and I thought to myself, that this is my last resort, I am pleading to your agency to investigate and probe into why Citibank would partner with XXXX and NOT support their customers who are using this application.

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

State: IL

Zip: 601XX

Submitted Via: Web

Date Sent: 2023-10-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7783690

Date Received: 2023-10-29

Issue: Closing your account

Subissue: Company closed your account

Consumer Complaint: I sent my first registered letters back in XXXX XX/XX/23 XXXX Bank delivered XX/XX/23 XXXX am XXXX XXXX XXXX XXXX XX/XX/23 XXXX Bank delivered XX/XX/23 XXXX am XXXX XXXX XXXX XXXX XX/XX/23 Citi Cards delivered XX/XX/23 XXXX am XXXX XXXX XXXX XXXX XX/XX/23 Citibank NA delivered XX/XX/23 XXXX pm XXXX XXXX XXXX XXXX XX/XX/23 Bank XXXX New York XXXX XX/XX/23 XXXX am XXXX XXXX XXXX I asked Citibank if they were indeed discharging my debt every year via XXXX A ( current debts ), or XXXX C ( debts older than 3 years. I asked if that was indeed the responsibility of their Indentured bank The XXXX XXXX Bank, and their XXXX Bank XXXX Bank XXXX New York XXXX. I asked if my signature, name and Social Security XXXX gave them access to the Treasury window to get paid. I asked if me signing over my security interest rights to them and me giving them they right to transfer /sell this financial security actually prevents me to properly discharge my debt, and paying lawful taxes according to IRS XXXX we are only supposed to pay taxes on stocks and property. I asked If I unknowingly agreed to repay for charges that already have been XXXX, because everything is backed by the Full Faith and Credit of the United States XXXX XXXX XXXX. I asked to please provide to me in writing if they are selling and trading my collateral certificate of indebtedness on the primary or government market, and then on the secondary or stock market. I asked them if the statement they were sending me every month is indeed a statement of a T-Bill with XXXX bottom part my dividend check ( money owed to me ), and the top part a bond to be traded on the markets. I sent them stamped ( XXXX and XXXX ) as payment XXXX times. I have not heard back from XXXX Bank XXXX Bank XXXX XXXX, and Citibank just told me that I have signed the contract, I have since then revised the contract ( 80 % my principal, and 20 % their servicing fee ). I sent a notarized copy to their XXXX Department via certified mail. In short I asked them to validate a lawful debt for me. I might have given them implied consent by paying them via automatic payments, but it was definitely not informed consent. I never got any kind of mail from them educating me about rights and the different ways to pay this statement. Since then they have closed my accounts, and are now suing me despite the fact that they have a mandatory arbitration clause. This is potential securities fraud and tax evasion. Given the fact that they are considered a foreign liability company with their headquarters in Delaware, they fall under the XXXX rules and need to be looked at by XXXX. They also took adversed action against me by closing my account, suing me and reporting me to credit agencies ( XXXX XXXX XXXX a ), and violated my open-ended credit plan XXXX CFR XXXX by closing my credit cards. They also violated XXXX XXXX Tender of payment I sent them a stamped ( XXXX XXXX XXXX which was never returned to me ), and UCC XXXX Discharge by XXXX. I as a federal protected consumer have a right to ask these questions. All my purchases were for home and personal purposes only.

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

State: NJ

Zip: 077XX

Submitted Via: Web

Date Sent: 2023-10-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7783681

Date Received: 2023-10-29

Issue: Other features, terms, or problems

Subissue: Other problem

Consumer Complaint: I am writing regarding the recent notice I received from my credit card company, CITI, requiring me to agree to receive statements and legal notices electronically in order to maintain digital access to my account. I believe this policy may be illegal for the following reasons : CITI 's policy requiring consent to paperless statements or else face denial of access to my account information appears to contradict consumer protections under ESIGN, TILA, and the FCBA. I urge you to look into this matter to ensure companies are not unlawfully coercing consumers into electronic contracts. Please let me know if I can provide any additional information. Thank you for your time and attention.

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

State: OH

Zip: 44004

Submitted Via: Web

Date Sent: 2023-10-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7783667

Date Received: 2023-10-30

Issue: Getting a credit card

Subissue: Card opened without my consent or knowledge

Consumer Complaint: I noticed on my credit report alerts from chase that someone opened multiple credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in XXXX to XXXX weeks. My chase credit report shows the following : XXXX bank card balance shows {$10000.00} with credit limit of {$12000.00}. Authorized user since XX/XX/23 XXXX XXXX XXXX card balance shows {$16.00} balance and credit limit shows {$3000.00}. Authorized user as of XX/XX/23 XXXX card shows credit balance of {$8100.00} with credit limit {$10000.00}. CBNA card shows credit balance of {$1100.00}. XXXX XXXX shows balance {$240.00} oppened on XX/XX/23.

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

State: CA

Zip: 92880

Submitted Via: Web

Date Sent: 2023-10-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7783613

Date Received: 2023-10-30

Issue: Closing an account

Subissue: Company closed your account

Consumer Complaint: On XX/XX/2023 I deposited a client 's ck ( I'm a XXXX ). Same thing I've done for XXXX yrs & NEVER had a problem. On XX/XX/XXXX my bank mgr told me the Fraud Dept was opening an investigation. I got the client 's XXXX of XXXX on a 3 way call ( twice ) but obviously did no good. I made numerous calls to the dept still w/ no explanation. Within a few weeks of the ck dep they closed my business acct. As I spoke w/ different people in the Fraud Dept I was told once a decision was made they won't override it. Sounds like an Autocracy to me. When they closed that acct because I owed the State of CA some taxes ( corporation is not good standing as a result ) & now I can not open another corporate bank acct anywhere ( obviously I was fine in my prior checking acct ). Then they turned to my personal checking acct. My acct got hacked in XXXX. The Fraud Dept gave me {$2500.00} to offset my loss but backed that out shortly afterwards thinking I had something to do with that hacking. Because this has been the worst yr of my career ( & relying on friends & family for survival ) I didn't have the {$2500.00} to repay the debt till last month. Now both accts have been closed ( business acct for 4.5 mos & personal acct for 3.5 mos & had to rely on prepaid debit cards. I have another 30-60 days according to the Bank Mgr . I have to pay over {$100.00} to cash my Social Security cks.

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

State: CA

Zip: 92026

Submitted Via: Web

Date Sent: 2023-10-30

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.