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: 7252624

Date Received: 2023-07-14

Issue: Problem when making payments

Subissue: Problem during payment process

Consumer Complaint: I can not get CitiBank to properly apply my payment that I made on a XXXX % advance. I have made several attempts to rectify the problem with CitiBank and have previously made a claim. They did make an adjustment but failed to handle it properly as my 0 % advance is now being charged at 18.74 %. This should show as completly paid on XX/XX/XXXX. I was instructed by CitiBank to pay it XXXX day after the expiration date so that it would then trigger moving to a higher interest rate and my payment would then be applied toward that higher rate. I did as instructed and paid additional. I have fought with them ever since as they ended up applying the payment to an advance that was at .99 %. After my last complaint they did make an adjustment but for whatever reason, only showed a portion of that original transfer as being paid and as of my last statement they are still showing that I owe {$2600.00} at 18.74 %. I have another 0 % transfer expiring on XX/XX/XXXX but they have made it impossible to pay it down. According to their policy, any additional payments are first applied to the higher the amount with the higher interest rate. So, even though I have already paid the one that expired in XXXX, they did not put the entire payment toward it and are now charging me interest. Even though I pay additional monies in an attempt to pay down the XX/XX/XXXX transfer, those payments do not go against that amount. I am at my wits end and do not know how to get someone to fix this. They have admitted to me several times that it is their error and their system did not trigger moving the first advance into the higher interest rate and then having my full payments applied against that amount. Surely this has to be illegal. What else can I possibly do to have this rectified??? PLEASE SEE MY PREVIOUS CLAIM XXXX

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

State: OR

Zip: 97504

Submitted Via: Web

Date Sent: 2023-07-14

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7251617

Date Received: 2023-07-15

Issue: Managing an account

Subissue: Problem using a debit or ATM card

Consumer Complaint: On XX/XX/XXXX Citibank decided to closed out my card, On that day I was hung by 4 times by your investigation team, I also was told that my account was being closed due to multiple claims that I have open, I have 3 fraud claims that were open and closed out in my favor, I have 3 disputes with merchants due to the merchants claiming that they have refunded me and I haven't recieved a refund also on XXXX my card was decline by citibank for my glasses that I purchased I Used another card to pay for set purchase, then on XXXX I contacted the fraud team the same fraud team that closed out my account due to blocks being on my card 5 times my card was swiped with XXXX and they all declined I have to use another card I provided you guys with receipts showing my card was charged with another card, now told XX/XX/XXXX I receive a letter in mail telling me that the provesional credit that was given was not in my favor and y'all took the money out my account this is the XXXX time every time I sent receipts to Citi via email XXXX or fax they never receive it, there a charge that I was charge for with target didn't even make the charge but apparently whoever used my card return stuff and the claim got denied due I sent letters back letting y'all know that the charge was fraud no still its being deemed as I made, so when I contacted Citibank I was made aware the y'all back office team is the one the closed out my account and they are the one that are trying to legitimize my account too see if it was me that put all money in my account, I have made every single cash deposit, I have made every single check deposit which is 2 which was the check that was deposited in my name and also the one that was deposited in my account for my business and didn't know that I couldn't deposit the check the check was in my business name and I didn't know that I couldn't deposit this so Im not understanding why my account is being closed there is no reason to close out my account, I have recording go how these agents are talking to me I have recording on how they blaming everybody instead of taking accountability for what is happen my account is being closed for no reason and now they want verify if my funds are mine excuse me all funds are mine I feel very discriminated against and I feel this is wrong

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

State: FL

Zip: 33025

Submitted Via: Web

Date Sent: 2023-07-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7251556

Date Received: 2023-07-15

Issue: Managing an account

Subissue: Problem making or receiving payments

Consumer Complaint: I opened a Citibank Checking Account where I would receive XXXX American XXXX XXXX if I did the following : 1 ) Open a new consumer Checking Account between XX/XX/XXXX and XX/XX/XXXX. 2 ) Qualifying Citibank Debit or ATM Card Purchases of {$1000.00} 3 ) And 2 or more Enhanced Direct Deposits totaling {$1000.00} or more I completed these on XX/XX/XXXX. I then chatted with customer service on XX/XX/XXXX, and they confirmed I would receive my XXXX American XXXX miles to my account ( XXXX ) 30 days after I completed the necessary steps. It's been over 30 days and I the miles are not in my XXXX account. See attached for more information.

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

State: NV

Zip: 89147

Submitted Via: Web

Date Sent: 2023-07-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7251418

Date Received: 2023-07-15

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 opened a credit card account with Citi a few weeks ago. I recently attempted to make a large purchase, which was declined without explanation and my card was immediately locked. Citi representatives on the phone refused to unlock the card, claiming they could not verify my identity without sending a letter. I received the letter and called again to unlock the card. Despite being told that it was done, my card continued to be declined. I called Citi again and was told that they could not verify my identity to proceed since it was a " new call. '' ( I had disposed of the letter, having been told that the matter was settled. ) Being unsatisfied with the service, I asked to be transferred to cancellation. The cancellation department then refused to even talk with me since I could not be verified.

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

State: CA

Zip: 92114

Submitted Via: Web

Date Sent: 2023-07-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7248782

Date Received: 2023-07-13

Issue: Problem with a purchase shown on your statement

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

Consumer Complaint: I contacted Macy 's American Express in XX/XX/2023 after receiving a letter from them dated XX/XX/2023 saying they believed there was suspicious activity in my account. And, also after receiving a bill from Macy 's American Express for charges that were not mine. The charges added up to {$1700.00}, were made during the period of XX/XX/2023 to XX/XX/2023 and the charges were made at Macy 's as well as other random places ( including other cities and states I haven't been to ). There are too many charges to write them all here ( 22 to be exact ). I contacted Macy 's several times and ended up closing my account. Two days ago, I received a letter from them dated XX/XX/XXXX with the results of the dispute saying they had determined I was responsible for the charges. I do have proof that I was not anywhere near those cities where the charges were made. I work from home and I'm sure I can have my IT person get my IP address of where I was on those days. Plus, I have been a Macy 's customer for over 20 years and I NEVER purchased anything outside of Macy 's with my Macy 's American Express. I have several other credit cards I use for personal and other expenses. This card was just for Macy 's purchases and I have not used it for over a year. As I write, I am on the phone with another Macy 's representative explaining the same thing and he seems to be quite helpful ; however, my credit is still being affected and I would like this resolved asap. We finalized the call and he said the representative who I initiated the dispute with made a mistake and processed as a Fraud application. That he was going to reverse the charges and take them out of my account. But that it would take approximately 3 additional months to clear. I really hope that it's resolved. He was very kind and helpful but the other representative needs to know that she made a HUGE misktake.This was very stressful to me. I take extra care to protect my credit. Again, THESE CHARGES ARE NOT MINE. I NEVER MADE OR AUTHORIZED THESE PURCHASES and I NEVER GAVE MY CARD INFORMATION FOR ANYONE TO USE. Thank you.

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

State: CA

Zip: 90045

Submitted Via: Web

Date Sent: 2023-07-13

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7248768

Date Received: 2023-07-13

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: Fraud charges on XXXX XXXX XXXX Called citibank and supposedly they were investigating Phoned back by supposeed security department they obtained my security word Then new card number was stolen and more charges put on my account. Contacted by someone name XXXX who told me he was deputy cheif of security and promised to resolve everything. Obtained my security word again. Then when new card number was issued someone in Florida called in and asked for my new card to be overnighted to florida. Citibank would not provide me with that address so I could report it to florida police. Citibank 's processes obviously allow the criminals access to steal cards and card numbers easily. I have finally completely closed my account and froze my social number on all 3 credi bureaus. I am going to subtract the fraudulent charges and pay off my account. I want to have all fraudulent charges and interest removed from my account

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

State: NV

Zip: 89130

Submitted Via: Web

Date Sent: 2023-07-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7248541

Date Received: 2023-07-13

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

Subissue: Transaction was not authorized

Consumer Complaint: On XX/XX/2023 I made an online order for XXXX soccer jerseys on XXXX. I also paid for expedited shipping with my order, which stated that delivery would be within 5 to 7 days. The total of my order was {$140.00} On XX/XX/2023, I sent the merchant an email asking why I still have not received my order, almost one whole month later. I did not receive a response to this email. On XX/XX/2023, I sent the merchant another email, explaining that it had been way past 2 months and I still did not receive the order. I did not get a response to this email, either. Soon after this, I filed a dispute with Citi Bank, case number XXXX. When I filed this dispute, the customer service agent told me that I was instantly going to receive a conditional credit to my account for the amount in dispute of {$140.00}. A few days later, I had checked my checking account and noticed that I did not receive the credit to my account. I called Citi Bank and they said that they do not offer conditional credit in these cases ; the previous customer service agent was uninformed, or lied. I said okay and let them process the case. On XX/XX/XXXX, I received a paper in the mail asking for more information about my case. I filled the paper out, stating all of the details about my dispute and sent the paper to the email address provided on XX/XX/2023. On XXXX XXXX I spoke to Citi Customer support to see what was the status on my case. The agent told me that my case was denied because I did not provide enough information. She said however, I can appeal the case at my nearest Citi Bank branch. She said to print the emails I sent to the merchant, as well as any proof of my purchase. I printed the XXXX emails I sent to the merchant, and the invoice that the merchant sent me. When I arrived at the branch they told me that theyre not sure why support sent me to the branch, as they have to do this over the phone with customer support. So, I had to speak to customer service about my dispute over the phone, at the branch. The workers at the branch told me I had wasted my time going there.

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

State: CA

Zip: 92688

Submitted Via: Web

Date Sent: 2023-07-13

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7248324

Date Received: 2023-07-13

Issue: Fees or interest

Subissue: Problem with fees

Consumer Complaint: Today ( XXXX ) I just so happen to check my Macy 's credit card and noticed that there was a {$2.00} balance on it. Not knowing what the balance is for because I paid the balance off in full last month on XX/XX/23 which is prior to the due date and the balance should be {$0.00}. I reached out to Macy 's credit card line to get answers and was told by the representative ( no name given ) that it is a charge for a carried over balance. I explained that there was not a balance carried seeing as though I paid the balance off on XXXX which is weeks prior to the XXXX due date. The representative goes to tell me that I had a balance in XXXX which carried over to XXXX and that is what the {$2.00} interest fee is for. I explained that did not make an sense seeing as though the small balance from XXXX of {$1.00} was included in the XXXX statement which was paid off and should have brought the balance down to {$0.00}. She goes on to tell me she can waive the fee which I accepted and explained that someone would need to review my statements to see why I was charged the same {$2.00} fee prior. The representative gets a supervisor after a 15 minute wait. The supervisor was extremely rude to me and would not let me explain why I thought that the {$2.00} charge was not valid. He would over talk me and try to use his outside voice to try and intimidate me so I would not ask any questions and just accept that they would waive the fee. This is not fair business practices. I have even googled this and multiple people are dealing with the same issue with Macy 's and the {$2.00} interest fee they are automatically charging even when the balance is paid in full. It's extortion, imagine how much money Macy 's makes charging hundreds and thousands of people XXXX XXXX monthly without their knowledge. It's not fair and it needs to be looked into!

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

State: PA

Zip: 19131

Submitted Via: Web

Date Sent: 2023-07-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7247865

Date Received: 2023-07-13

Issue: Problem caused by your funds being low

Subissue: Overdrafts and overdraft fees

Consumer Complaint: A quick background on me : my wife and I are near retirement age. We each have credit scores of over 800. We ALWAYS pay our XXXX credit card bills each month. We own our house. We are very secure financially. So why do I write this letter? To call out a large financial institution that chooses to work against the best interest of their customers. Here 's what happened : Two years ago I went into overdraft on my Citibank Checking " Plus '' account. I believe this overdraft occured when I moved money into my son 's college account. I'm guessing the account was in deficit for less than XXXX XXXX Here 's my problem : I believe that Citibank uses a highly suspect business practice. Even when my account bounced back into positive territory a day or so later ( and averaged approximately {$20000.00} for many years ), the bank chose not to notify me in a meaningful way. They chose to gamely take my money, {$1400.00} in interest, for over two years. And they would still be charging me interest if I didn't happen to stumble upon this outstanding debt. My question is : WHY ISN'T THE CONSUMER NOTIFIED WHEN INTEREST IS ACCRUING AGAINST THEM? Credit card and mortgage statements are very clear about notifying the customer, giving them options for payment. Why should CITI get a free pass here? Shouldn't the consumer ALWAYS be notified if they're in arrears? When I say " notify, '' this means a SPECIFIC notification, not just a monthly statement with interest accruing charges unseen by me for 2 years. When I wrote CITI 's corporate headquarters, they 1 ) flatly refused to discuss any compromise or refund, and 2 ) muddied the waters by denying that this practice was " discriminatory. '' ( Very strange - I never accused them of discriminating against me. ) What they pointed me to was a single line item, " Checking Plus '', at the VERY bottom of my home landing page. Well, I NEVER look at this remote place online. When I go online to my CITI account, I see my account at the top, and I click on it to do my online bill paying, etc. I don't scroll down to a line item ( that I didn't even know I had! ) Why can't they be required to notify their customers that they're in arrears on overdraft interest? Why can't a letter or email go out? Why can't a banner appear at the top of the online account page? Why not a message alert? I think I know why, it would lose this megabank lots of easy money! I ask that the CFPB do a deep dive into CITI 's overdraft policies. I believe they are designed to reap a steady flow of well-disguised interest charges from unsuspecting customers. Thank you very much. XXXX XXXX

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

State: CT

Zip: 068XX

Submitted Via: Web

Date Sent: 2023-07-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7247590

Date Received: 2023-07-13

Issue: Getting a credit card

Subissue: Card opened as result of identity theft or fraud

Consumer Complaint: Citi claims they sent me a card. They have not only NEVER verified any information when opening this account but has NEVER verified any information when calling about this account. At no time has anyone verified any PII with me and XXXX documentation has been provided except the fraud Citi has committed. I never received it but, there are over {$7300.00} in charges that no signed receipts have been provided when requested. This bank does NOT follow compliance. They have failed to provide any evidence on their investigations and have violated the FCRA and XXXX. They have sent me multiple communications, each one with a different name of the collection agency they sold my PII to. Which company actually has my information or is 3 different companies. By the way, I've never lived in New Jersey, yet the company they sold my information to illegally changed it which tells me that they're part of an identity theft ring.

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

State: UT

Zip: 843XX

Submitted Via: Web

Date Sent: 2023-07-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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