Compiled from Public Data by FairShake
The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.
In 2019, the CFPB received 7065 complaints against Citibank. Citibank ranked Number 8 among all financial companies for the most complaints.
Date of Complaint: July 10, 2019
Company Official Name: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
Full Complaint:
On XXXX I made an extraordinary payment of $ XXXX.- from XXXX XXXX XXXX to Citimortgage bank On XXXX I made a regular payment of $ XXXX.- from XXXX XXXX account to Citimortgage bank These payments never showed up in the statements. Around the same time Citimortgage passed the loan to XXXX for servicing the loan.
In order to solve this matter we talked to XXXX XXXX and they talked to Citimortgage and Citimortgage said that I have to talk to them, witch I tried several times ( about 15 times ) and was impossible to contact Citimortgage, they always send me to XXXX, and XXXX said that this problem is Citimortgage to solve, and again was not possible to talk to them. I want this problem to be solve and to the money to be deposit to XXXX XXXX account. Please help me in this matter
Response Type: Closed with explanation
Public Response:
Company has responded to the consumer and the CFPB and chooses not to provide a public response
Date of Complaint: July 10, 2019
Company Official Name: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
Response Type: Closed with explanation
Public Response:
Company has responded to the consumer and the CFPB and chooses not to provide a public response
Date of Complaint: July 10, 2019
Company Official Name: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Can’t use card to make purchases
Full Complaint:
1 ) Withholding available credit for purchase. I made a payment of {00.00} to my citi double cash card on XX/XX/2019. It was posted on my bank account on XX/XX/2019. However, Citibank chose to withhold {00.00} from available credit as if XXXX XXXX is a fraud. When I contacted the credit card via chat, I was told the Hold will be removed on XX/XX/XXXX. It is the end of XX/XX/XXXX, the ” Hold ” is still there. The total credit limit is {00.00}, I have XXXX balance on the credit card with less than {00.00} pending purchase, I only have {0.00} available credit for purchase. there are must be something wrong here. Citi bank only told me it is policy.
2 ) lack of tools for effective communication. Other banks such as XXXX XXXX, XXXX XXXX XXXX offering secure message center. I can just send questions about my credit cards and bank accounts, they respond within 24 hours. It is very convenient and effective. At Citi, there is no way for me to send message. I can only view documents at message center. I don’t understand why. I used Chat twice, it is not effective. I have to wait 12 minutes to have a customer rep to chat with me. That person did not know much to help.
Complaint Tags: Servicemember
Response Type: Closed with explanation
Public Response:
Company has responded to the consumer and the CFPB and chooses not to provide a public response
Date of Complaint: July 10, 2019
Company Official Name: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Fees or interest
Sub-Issue: Charged too much interest
Full Complaint:
Hello, I had opened the Home depot credit card account with 0 % interest rate terms in XX/XX/XXXX. The terms signed had misleading advertising showing 0 % interest rate in bold large font and finance charges in fine print with no details of exactly what amount they will be charging each month after promotional period. They started charging exorbitant predatory interest charges XX/XX/XXXX onwards without any separate notification letter and these details were not apparent in the initial advertising that they gave us to signup for the promotional offer.
Homedepot started charging a huge amount of interest rate on my balance from XX/XX/XXXX onwards. Previous Balance : {00.00}. Monthly Interest Charged : {0.00}. XX/XX/XXXX statement : Previous Balance : {00.00}. Interest Charged : {0.00}. Autopay : {0.00} was charged.
XX/XX/XXXX statement balance : {00.00} doubling the initial balance inspite of making the autopayment every month.
Homedepot never sent any email notification or letter about the upcoming exorbitant interest rate change. The account was set up in autopay in order to avoid any late fee.
I have requested Homedepot several times to waive/adjust the interest charges from XX/XX/XXXX since we were never notified, with any online or paper letter or email or phone call. I could have paid the whole balance of {00.00} by the due date XX/XX/XXXX if I were notified. The account is in good standing with no late payments due to the auto payments. All the online account notifications were turned off in the default settings of the online paperless account. We got access and went into the online account in XX/XX/XXXX and discovered these charges.
Autopay History fromXX/XX/XXXX.
PAYMENTS XX/XX/XXXX {0.00} XX/XX/XXXX {0.00} XX/XX/XXXX {0.00} XX/XX/XXXX {0.00}XX/XX/XXXX {0.00} XX/XX/XXXX {.00} XX/XX/XXXX {.00} Thank you, XXXX XXXX Ph : XXXX
Response Type: Closed with explanation
Public Response:
Company has responded to the consumer and the CFPB and chooses not to provide a public response
Date of Complaint: July 9, 2019
Company Official Name: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn’t resolving a dispute about a purchase on your statement
Full Complaint:
I made a charge on my Citibank XXXX Mastercard on XX/XX/XXXX in the amount of {0.00} to the XXXX XXXX XXXX, XXXX. I filed a dispute with Citibank and was notified on XXXX posted on XX/XX/XXXX and it was labeled as ” Reverse by XXXX ”. It was not labeled as a conditional credit in the amount of {0.00} and also on XX/XX/XXXX, I received a credit for the {.00} for an additional charge by XXXX. Neither of these credits was labeled conditional by Citibank. I did receive an email from Citibank on XX/XX/XXXX, indicating that I must sign a letter and fax it back to Citibank by XX/XX/XXXX indicating that still wanted to continue my dispute. I did sign and faxed the letter back to fax number XXXX from my company fax XXXX with my statement. I find this requirement to fax back HIGHLY unusual since the company XXXX filed bankruptcy in this time period and never had the dispute been reversed by Citibank on my statements. Why am I supposed to accept the settlement of {.00} posted this XXXX statement as of XX/XX/XXXX.
Complaint Tags: Older American
Response Type: Closed with explanation
Public Response:
Company has responded to the consumer and the CFPB and chooses not to provide a public response
Date of Complaint: July 9, 2019
Company Official Name: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Funds not handled or disbursed as instructed
Response Type: Closed with explanation
Public Response:
Company has responded to the consumer and the CFPB and chooses not to provide a public response
Date of Complaint: July 10, 2019
Company Official Name: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Problem with rewards from credit card
Full Complaint:
I called Citi Easy deals to ask where almost XXXX points went that I use to be able to get auction items like gift cards. They told me they kept them for two years and after that dropped everyone down to a tier system based on spending and we were not using that card and got dropped down to the worst category and lost all of our points. This is not acceptable we earned those points. We called today to ask them to meet us in the middle and work through this and they said there is nothing they can or would do
Response Type: Closed with monetary relief
Public Response:
Company has responded to the consumer and the CFPB and chooses not to provide a public response
Date of Complaint: July 10, 2019
Company Official Name: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Problem with rewards from credit card
Response Type: Closed with explanation
Public Response:
Company has responded to the consumer and the CFPB and chooses not to provide a public response
Date of Complaint: July 10, 2019
Company Official Name: CITIBANK, N.A.
State: None
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
Response Type: Closed with explanation
Public Response:
Company has responded to the consumer and the CFPB and chooses not to provide a public response
Date of Complaint: July 10, 2019
Company Official Name: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Problem with rewards from credit card
Full Complaint:
I have XXXX points on my XXXX XXXX Mileage Plus credit card. I attempted to use these points by going onto the company web page. I was unable to go through the various steps to redeem the points with a purchase. I contacted the credit card company and a representative in their computer department attempted to help me purchase an item however he was also unsuccessful in being able to download this item. I asked the representative if I can redeem my points by speaking to a representative and he stated that this is not possible as the redemption can only be made via the web. My points expire this month. The quandry is that I will lose these points because the credit card company can not help me and as I can not speak to a human being for the redemption.I will lose these points this month. I am enclosing several documents.
Complaint Tags: Older American
Response Type: Closed with explanation
Public Response:
Company has responded to the consumer and the CFPB and chooses not to provide a public response
FairShake accessed this complaint from the public archives of the Consumer Financial Protection Bureau (CFPB). You can file your own complaint with the CFPB here.