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: 7099944

Date Received: 2023-06-11

Issue: Getting a credit card

Subissue: Card opened as result of identity theft or fraud

Consumer Complaint: I became knowledgeable that my credit score had dropped significantly from a XXXX card bill which I received- I called XXXX to find out why - My credit is perfect and I don't carry any balances on credit cards- They advised me that Citi card had a $ XXXX plus balance which was derogatory and advised me to call them- so I did- I opened an investigation with them after learning that a card was opened in XX/XX/XXXX- I did not apply for a Citi card in XX/XX/XXXX- I never heard back from Citi - about thirty days later I called XXXX again because I had made a compliant about the fraud account, they advised me that Citibank declarer that it was my account. This is untrue. I called Citibank again. The first compliant was on XX/XX/XXXX & the second one on XX/XX/XXXX- they said they will investigate it. I'm getting nowhere with them, they are useless, there consumer help line you only talk to people who struggle with English, don't care what you have to say and don't resolve anything. What I have learned so far is that the charges were made in Florida, where I don't live, I never received a bill or notice from Citibank related to the charges. Its a fraud account or stolen account - The charges are not mine. This should be easy to investigate - I asked them where are the bills going, they wouldn't answer. I need it resolved immediately Its is stolen, fraud whatever you want to call it- Citibank is making it impossible for me to resolve, cant talk to anyone with a any expertise in these matters just incompetent people who are the furthest thing from helpful or concerned.

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

State: NJ

Zip: 07866

Submitted Via: Web

Date Sent: 2023-07-17

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7099262

Date Received: 2023-06-10

Issue: Trouble using your card

Subissue: Credit card company won't increase or decrease your credit limit

Consumer Complaint: Citibank recently pulled a credit report on me without my consent which is illegal and reduced my credit limit across all XXXX cards with them by XXXX without notice leaving me little to no credit for recurring bills and essentials like gas and ezpass and even medical care for my XXXX that goes on these cards. Because of this very drastic change without notice I was not able to financially plan well. Additionally, my credit score had recently increased and my income has significantly increased since completing school and starting a new job in XXXX. So their decision doesnt even makes sense. I made XXXX calls with XXXX recourse offered and was even hung up on, except to read the letter coming in the mail. Statements that had even closed on XX/XX/08, XXXX days ago still stated my old limits. Reasonable notice should be mandatory.

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

State: ME

Zip: 041XX

Submitted Via: Web

Date Sent: 2023-06-10

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7098781

Date Received: 2023-06-10

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 received a fraud alert from citi credit card company by email and text on XXXX somebody atempted to make a purchase for {$500.00} at XXXX store in XXXX and it was declined. So I logged in my citi card online account to check, it showed a transaction of {$500.00} at XXXX XXXX in XXXX and a transaction of aboout {$20.00} at XXXX XXXX XXXX XXXX were declined since the card was not present, and I found another unauthorized charge of {$500.00} at XXXX XXXX in XXXX, so I disputed the transaction of {$500.00} at XXXX XXXX XXXX on XX/XX/ right after I received the fraud alert, however I received a letter form Citi Security Services on XXXX that letter says " We have compeleted our investigation, the card 's XXXX chip was used to make the transaction at a card reader, so we do not consider this fraudulent activity. ". I called Citi Security Operation right after I received the letter and they said they would re-open this investgation, however I received anoteher same letter " We have compeleted our investigation, the card 's XXXX chip was used to make the transaction at a card reader, so we do not consider this fraudulent activity. '' on XXXX Please show me the signature. I have never used my citi credit card at XXXX XXXX or been to XXXX. Please dispute.

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

State: CA

Zip: 90503

Submitted Via: Web

Date Sent: 2023-06-10

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7097662

Date Received: 2023-06-10

Issue: Closing an account

Subissue: Funds not received from closed account

Consumer Complaint: CITI BANK NA. DECIDED TO CANCLE ONE OF MY DEPSOIT AND MARKED IT AS FRAUDLENT. AND MY ACCOUNT WAS MARKED FOR CLOSURE. I HAVE ALWAYS USED SAME ACCOUNT FROM XXXX XXXX XXXX TO CRDIT FUND TO MY CITI BANK ACCOUNT. THEY CLOSED MY ACCOUNT TOOK ALL MY ACCESS TO VIEW MY STATMENTS OR ACCT ONLINE. WHEN I CALLED THEY ADVISES A LETTER WILL BE SENT TO ME IN 7 DAYS ON XX/XX/2023. WHICH IS 80 DAYS NOW AND I HAVE NOT RECEIVED ANY COMMUNICATION FROM CITI BANK. I HAVE CALLED MANY TIMES TO GET MY FUNDS. THEY TREATED ME LIKE CRIMINAL AND NOW ADIVSING ME TO CONTACT MY ISSUER BANK FOR THIS FUNDS TO BE REPULL/OR START A CLAIM WITH THEM. ISSUER BANK XXXX XXXX XXXX IS SAID THERE IS NOT SUCH A THING THEY HAVE AND THEY SAID THEY HAVE NOT FLAGGED ANY ACITVITY AND NOT AWARE WHY CITI IS HAD TO CLSOSE MY ACCOUNT. ALL I NEED IS TO GET MY FUNDS BACK SO I CAN PAY MY BILLS AND NOT GET CHARGED LATE FEES.

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

State: OK

Zip: 741XX

Submitted Via: Web

Date Sent: 2023-06-10

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7097061

Date Received: 2023-06-09

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: The Home Depot/Citibank card company is refusing to credit {$500.00} to me after I have completed the dispute process and has notified Home Depot corporation that they refuse to discuss the matter. A person, without my authorization purchased tools on my HomeDepot card. The card was reported as missing, cancelled the day after and though this person was not an authorized user, the company refuses to not only credit my account but they refuse to provide a copy of the reciept or video of the thief so I can pursue criminal charges. This originally occured on or about XX/XX/2022 and the dispute has been ongoing since that time.

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

State: GA

Zip: 30518

Submitted Via: Web

Date Sent: 2023-06-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7096453

Date Received: 2023-06-09

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: My CBNA/SHELL card was closed on XX/XX/2022 the reported balance is {$7500.00} and XXXX reported balance {$6100.00}. A collection agency contacted me about this balance when I provided all the paperwork, they didn't understand why I was billed for the dispute and contacted the company. This account is with a collection agency and Citi is still reported a balance after transferring to an outside collection agency which is a violation. How can this account be with a collection agency that's attempting to collect this balance and Citi still reporting this balance after charging off this accounts.

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

State: GA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-06-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7096182

Date Received: 2023-06-09

Issue: Managing an account

Subissue: Banking errors

Consumer Complaint: Since XXXX, Ive notice that my account didn't reflect the amount that was being deposited, I've called in so many times to be told the same thing like they are reading just what is in front of them. The online banking have made several errors in calculating mt transaction, I've been told by a bank manager before in the XXXX XXXX that I had too many transaction, I ve told her what does that have to do with anything thats a bank service, I don't understand. I have been dealing with this problem from Citi Bank for a very long time an I would like them to request a Audit from 2019 till now, I feel that you will fine this bank owes me some money cause I feel they have been ripping me off maybe before that date, but its time to get to the bottom of this situation. Please help cause I've tried on my own an having gotten anywhere.

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

State: CA

Zip: 91325

Submitted Via: Web

Date Sent: 2023-06-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7096159

Date Received: 2023-06-09

Issue: Closing an account

Subissue: Funds not received from closed account

Consumer Complaint: Hello, I opened savings account with Citibank on XX/XX/XXXX and transferred first {$100.00} from my XXXXXXXX XXXX where I banked since XXXX - on XX/XX/XXXX. Second transfer was on XX/XX/XXXX for {$10000.00} and third transfer was on XX/XX/XXXX for {$4900.00}. Total transfer from XXXX XXXXk to Citi Bank {$15000.00} I received an email from the Citibank on XX/XX/XXXX stating that my saving account will be automatically closed within 60 days and money will be mailed to me within 30/60 days. In the email it says that if " I believe these funds should be send to me sooner than the expected closing date, please call the number on the back of my ATM card '' When I called the number, the response was, that I will receive the funds within 30/60 days no sooner. I am sending this complain and asking for your help to receive my money sooner then 30/60 days. And also, for awareness that Citi bank is holding money hostage from me and other customers for " Violating terms of service '' but all I did was to transferred money to Citi bank to start earning interest Citi bank advertised. Thank you for your support and help. I am looking forward to hearing from you.

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

State: MN

Zip: 55124

Submitted Via: Web

Date Sent: 2023-06-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7095944

Date Received: 2023-06-09

Issue: Problem with fraud alerts or security freezes

Subissue:

Consumer Complaint: Background : On XX/XX/XXXX, I placed a credit freeze with all Credit Bureaus due to identity theft. Current Issue : XXXX provided my credit report to Citi Bank despite freeze being in place. History : On XX/XX/XXXX XXXX PST, I received an email from Citi Bank / AAdvantage MasterCard that an application was pending under my name and information. I called the Citi Credit Card contact number at XXXX PST the same day, only one that was listed in their mobile app - XXXX, and they initially said they didnt see any applications under my name. They asked me to call their fraud department instead and provided me with their number. At XXXXXXXX PST same day, I called the fraud department number which was XXXX. The representative said they didn't see anything under my social security number and insisted that there were no other accounts. I provided her with the ApplicaitonID which was listed in the email, and she went back to look into it. Eventually, she said that this might be under applications department, not fraud department, and asked me to call them instead and provided me with their number. At XXXX PST the same day, I called the applications department. They asked if this was an authorized application and I told them it was not. She said she was sorry to hear and provided information that XXXX had provided the credit report. I double checked on XXXX Website to verify that I still had my credit freeze in place.

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

State: CA

Zip: 90057

Submitted Via: Web

Date Sent: 2023-06-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7095021

Date Received: 2023-06-09

Issue: Problem when making payments

Subissue: Problem during payment process

Consumer Complaint: I paid the balance in full XX/XX/XXXX for {$3200.00} I paid {$1.00} for the interest of {$0.00} on XX/XX/XXXX and had late fee reversed. The account balance was confirmed XXXX with no further payments due. Now im told i didn't pay {$26.00} in interest from XX/XX/XXXX & have been charged an additional {$41.00} late fee. I was on the phone for 30minutes with 3 different " account specialists '' who couldnt find my account, couldn't explain what happened and gave me a new number to call XXXX XXXX XXXX XXXX couldn't help me and transferred me again. That man was going to resolve it, put me on hold and after some minutes, another woman started all over again and couldn't see the previous notes. After confirming that this call center is based in the XXXX and hearing that the phone quality is terrible she sent me to the " escallation department ''. I spoke with XXXX and started all over again. Could barely hear him, he said he couldnt do anything and even if I paid the {$67.00} before the due date of the XXXX, he couldn't say if the balance would be considered paid in full. I asked multiple times for a manager or supervisor and was told there wasn't anyone to talk to. I was on the phone for over 1.5 hours with no resolution, poor costumer service, poor phone quality and being given the run around in addition to being charged fraudulently.

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

State: WA

Zip: 98422

Submitted Via: Web

Date Sent: 2023-06-09

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.