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: 6074688

Date Received: 2022-10-11

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: I started disputing this information in XXXX regarding these two companies XXXX and macy company. I fill out every form the companies sent to me from the fraud department to a police report back in XXXX. Id also requested a copy of the applications that was submitted by me since this account was supposedly open in XXXX the company was still actively doing paper work for new account. I havent received a copy of the the request paperwork information regarding the credit application from the company. These account is showing a balance and a past due amount for many years this company continues to bully and harass me with this relentless negative information on my credit report which is affecting my family and personal lively hood to get good paying job and a decent place for me and family to live. This is a constant reminder of how the company treat XXXX and XXXX people who work hard and want a fair share in life.

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

State: VA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2022-10-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6073700

Date Received: 2022-10-11

Issue: Problem when making payments

Subissue: Problem during payment process

Consumer Complaint: 2 payments were taken out of my account 1 manual payment of XXXX and a second auto payment of XXXX, ( my total balance was {$940.00} which I paid in full manually so the XXXX was a payment on a balance of {$0.00} ) The payment of XXXX was never received by the credit card company, even though my bank statment shows it was made to Citi. bank filed as a lost check, but once that was approved Citi add a {$940.00} statement saying I owed that money back to the company Tried to provide statements from my banks to citi but they seemed uninterested in those, likely because it provides proof that citi was sent the money they are claiming they never received

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

State: TX

Zip: 78108

Submitted Via: Web

Date Sent: 2022-10-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6073511

Date Received: 2022-10-11

Issue: Getting a credit card

Subissue: Application denied

Consumer Complaint: Citigroup denied me a Citi Double Cash card and mailed me a denial for the Citi custom cash card to further prove their incompetence. I tried for 15 years to get this card and now they are mocking me in a denial. What a disgrace of a company

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

State: VA

Zip: 23229

Submitted Via: Web

Date Sent: 2022-10-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6072863

Date Received: 2022-10-11

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: On XX/XX/2022, I ordered on XXXX a electric dryer for XXXX dollars ( XXXX with tax ) that was advertised as 120 volts. XXXX XXXX sent me a 240 volt model which I am not electrically equipped for in my household. I reached out to the merchant and they told me they do not do returns on online purchases. I explained I received the wrong product. I reached out on XX/XX/XXXX to home depot credit card services which was the credit card I used to make the purchase. They attempted to resolve with the merchant. Merchant told home depot credit card this is a case of buyers remorse. I opened up a dispute with home depot credit card services on XX/XX/XXXX after multiple phone calls with XXXX XXXX corporate, credit card services and the actually credit card banking service. I submitted pictures of the product I ordered and I what received along with receipts. Home Depot credit card ( Citi bank ) told me to wait 30 to 90 days for resolution. I received a letter from Home Depot credit services to contact the merchant for a refund or exchange on XX/XX/2022. Once again reached out to the merchant and spoke with a mannager who told me they dont expect returns and had the credit card company call once again on my behalf to try to obtain a resolution. As per home depot credit card services I was to wait 30 -90 for resolution as they attempt to correct the issue. On XX/XX/XXXX upon checking my home depot credit card account I noticed my dispute had been closed so I immediately reopened the case. I called that same day twice as the first time the supervisor phone call dropped and as per home depot they have no answers as to why they closed dispute but to wait another 30 days. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Homedepot credit card service citibank

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

State: NY

Zip: 10306

Submitted Via: Web

Date Sent: 2022-10-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6071807

Date Received: 2022-10-11

Issue: Closing an account

Subissue: Company closed your account

Consumer Complaint: I recently was sent an email stating my bank account would be closed within 60 days. They did not give any specifics other than violated the terms of your account per the client manual I have not done anything to violate these terms and dont know what would make them close my account. But searching the web it seems like a common practice On the email it says I will receive my balance on my account only after the 60 days when my account is closed, but also mention in the email : If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card. So I called there fraud department ( XXXX ( XXXX ) XXXX ) and talked to a rep asking her to please expedite a check for my balance as I am in a dire emergency. I need the funds for medical reasons and by not receiving it soon it would put me in a real dangerous situation medically. She said she couldnt do anything and I asked to speak to a supervisor who also said I was out of luck! This is unfair that I cant access MY money that I need for an emergency from a decision CitiBank made! I can not wait 60 days for my funds this was my entire savings. I have no other options in this dire situation.

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

State: IL

Zip: 60426

Submitted Via: Web

Date Sent: 2022-10-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6071192

Date Received: 2022-10-10

Issue: Problem with a purchase shown on your statement

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

Consumer Complaint: On XX/XX/2022, I stopped in XXXX XXXX XXXX to fill our car up with gas. I gave my Citibank Mastercard to the attendant. He went to put it in the machine and he came back and said it would not accpet my card. He asked if I had another card and I gave him my XXXX card which went through. After I drove away I recieved a notification from Citibank that a charge of {$970.00} was made on my card. I immediately declined the charge and Citibank called me and I reported the charge as fraudulent. They told me they would remove the charge and issue me a new card. Subsequently they informed me that they would not remove the charge and have charged me for it.

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

State: TX

Zip: 75093

Submitted Via: Web

Date Sent: 2022-10-10

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6070711

Date Received: 2022-10-10

Issue: Closing an account

Subissue: Fees charged for closing account

Consumer Complaint: I previously tried to close a savings and checking account, and withdrew the funds. A few months later I received a notice stating a savings account has been overdrawn despite no account activity ( did not even know that was possible to overdraw a savings account ), the account was closed, and threatening collections and negative credit reporting. I have tried to resolve with Citi directly, who indicated they could waive these charges, but then were unable to because the account was already in collections. Then, the collections team said they couldn't request to waive charges because that is handled by customer service. It appears Citi has designed in abusive process to deter customers from closing accounts under the guise of security ( social security and mailing address and last 4 of account apparently insufficient ) and other requirements, and most recently they were unable to even locate the account in their system. I should not have received these account charges in the first place, all I am seeking is to end my relationship with Citi without cost. Do they even track account activity and have a process to avoid service charges on dormant/closed accounts?

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

State: TX

Zip: 77063

Submitted Via: Web

Date Sent: 2022-10-10

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6070703

Date Received: 2022-10-10

Issue: Managing an account

Subissue: Banking errors

Consumer Complaint: Open checking account on XX/XX/XXXX over the phone, received account number through mail XX/XX/XXXX, funding acknowledges XXXX. Deposited {$200000.00} to receive {$1500.00} bonus. Called to confirm XX/XX/XXXX and told good and given promotional code. Called in early XXXX to confirm credit to occur XX/XX/XXXX. Received online message after call on XX/XX/XXXX after not seeing credit on account that deposit did not meet 20 day deposit qualification ( 22 days ). XXXX flier states 30 day balance requirement if account opened over the phone. Account opening package not mailed from CITI until XX/XX/XXXX so did not have signature card or account number until XX/XX/XXXX. Multiple calls on XXXX, XXXX and XX/XX/XXXX did not resolve issue. Refuse to acknowledge or define " open account '' date. I was not about to send a check for {$200000.00} without written confirmation of account open and account number.

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

State: OR

Zip: 97702

Submitted Via: Web

Date Sent: 2022-10-10

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6070158

Date Received: 2022-10-10

Issue: Opening an account

Subissue: Confusing or missing disclosures

Consumer Complaint: To whom it may Concern, I opened the bank account late XXXX of XXXX and I have been having various issues. Each time I contact customer service and the fraud Department I get misleading information and can't access the funds deposited to my account. It has caused and causing financial distress. I have had my rent check to bounce from XXXX XXXX XXXX because I can't transfer my funds from Citi bank to XXXX XXXX. The closes branch to my location is in XXXX, Fl and im currently residing. in XXXX, Fl which is more than four hours away. I have taken today XXXX XX/XX/2022 off to try and get the issue resolved. I can't wait 30-60 days for my funds. Im requesting a full refund of my deposited funds to Citi bank and the mental distress it has caused me and the bounced check and my landlords late fee compensated. I am more than confident that im not the only consumer that has had issues with Citibank ( that has caused financial distress ). XXXX XXXX Checking account XXXX Cell : ( XXXX ) XXXX

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

State: FL

Zip: 33612

Submitted Via: Web

Date Sent: 2022-10-10

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6070156

Date Received: 2022-10-10

Issue: Other features, terms, or problems

Subissue: Add-on products and services

Consumer Complaint: In XX/XX/XXXX while in the XXXX XXXX I signed up for a card with Best Buy via a point of sale terminal, service desk. The employee did the process for me as I stated I was inexperienced with this sort of thing ( my first credit card ). The employee proceeded to sign me up for something called Enhanced Debt Protection without informing me of what it was, that he was signing me up, and that there was a cost as well. He simply did it all without checking in with me. Since XXXX I've been charged fees ranging from around XXXX a month to XXXX dollars or more per month without me noticing since the rates were so low. However, once I did notice it I looked into this and as it turns out the CFPB issued an order to Citi Bank for this very thing back in XXXX. For people that were signed up for this service via a service desk ( which I was ) anytime after XXXX. Citi Bank was ordered by your organization to refund {$700.00} XXXX to the affected accounts which included mine. However, back in XXXX I had no idea I was being charged for this. I reached out to Citibank to 1. cancel the enhanced debt protection back in XXXX of this year. 2. Request a refund for the 12 years of them charging me these fees without my approval or knowledge. They said they would try and get it approved and that it would take 10 business days and that I'd be notified via mail. So I promptly asked to have my mailing address updated. I waited 15 business days and had not received word. I called back, only to be told it was sent to the wrong address. I verified the correct one once more and they assured me it wouldn't happen again. However, by late XXXX I reached out once again and they apologized saying they sent it to the wrong address AGAIN. At this point it seemed they weren't taking my inquiry seriously. I am now still without word on what their decision for this refund is but it does seem based on your prior ruling in XXXX that I am included in this population that was signed up for services under false or predatory practices. I have given them over 3 months worth of time to simply notify me of my request for a refund and they have failed to do so. I know that as an individual in this country I don't have the money to fight something like a bank. So I am glad the CFPB is here to fight for the people who have been wronged. I have statements from the last XXXX years and when I asked to have statements from XXXX they have also failed to get those to me. However, they did state that I've been billed for enhanced debt protection since XXXX when I first opened the card at the service desk in store. https : XXXX XXXX is the link to the post that your organization made back in XXXX, highlighting the fact that citibank has XXXX done this exact same thing from accounts dating back to anything past XXXX, and that includes people who were signed up via a service desk.

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

State: FL

Zip: 33130

Submitted Via: Web

Date Sent: 2022-10-10

Company Response to Consumer: Closed with explanation

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.