September 2019 Complaints Against Citibank

Compiled from Public Data by FairShake

If you have an issue with Citibank, you’re not alone.

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.


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Complaint Details:

Date of Complaint: September 25, 2019

Company Official Name: CITIBANK, N.A.

State: FL

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 was in XXXX XXXX and used my CITIBANK credit card at a used clothing store ( like our goodwill store ). I can not find receipt. When i got bill CITIBANK charged me {00.00} for a purchase.I thought that they just didnt convert to dollars because in XXXX XXXX currency that amount is approx {.00} and is the most I would ever pay for some used clothing.This happened the end of XXXX and they are making me crazy. I have many times called, mailed, filled out their forms, and sent pictures of store which shows name on bldg.
I have dates, etc They tell me they will get back with me.
They call and demand payment.
This is terrible and is affecting my health XXXX XXXX

Complaint Tags: Older American, Servicemember

Company response:

Response Type: Closed with explanation

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


Complaint Details:

Date of Complaint: September 25, 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: Other features, terms, or problems
Sub-Issue: Other problem

Company response:

Response Type: Closed with explanation

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


Complaint Details:

Date of Complaint: September 25, 2019

Company Official Name: CITIBANK, N.A.

State: TX

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Problem with a credit reporting company’s investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report

Full Complaint:
My Macy ‘s account was closed and charged-off. Macy ‘s kept the account in-house and I made payment arrangements to pay the account with XXXX XXXX XXXX XXXX. For each month that I made a payment, Macys ( Citi ) continued to report the account as charged off each month. The definition of a charge off : A statement by a creditor ( = someone who is owed money ) that a debt will probably not be paid and is counted as a loss. For most account types, a charge off will occur after 180 days of missed payments.

A charge-off can only occur ONCE in the lifetime of an account. A charge-off is a single ( singular ) statement that an account most likely will not be paid.

Macy ‘s ( Citi ) Is re-reporting the original charge-off that occurred on the account every month EVEN WHEN I HAVE BEEN MAKING PAYMENTS.
XXXX shows FP for this account every month which means Failed to Pay. On another screen in XXXX it shows CO every month for Charge off. This is NOT fair credit reporting. An account can only be charged off ONE TIME. Why does a creditor, that keeps an account in-house get to continuously report the account as a charge off every month? Not a single person from Macys, Citi or the CFPB could show me anything in writing that states If a creditor keeps your charged-off account in-house they can report the charge-off every month until paid I am going to need to see proof of that in writing effective before my accounts were charged off to agree with this process.

Fair credit reporting is important. My account was charged-off, I take responsibility for that, and I am paying off the balance. You all need to do one-of-two things. Add a CP for charge off being paid or charge off in payment status OR only show the original singular date of charge off. THAT is accurate credit reporting. Showing FP and CO every month for accounts that are or are not being paid is malicious and spiteful.

I dont want this changed on just my account, I want it changed for EVERYBODY and I want it retroactive for all the accounts that are impacted. My account was in good standing for 5 YEARS before I reached my financial fail and this is the payback I get for paying this account IN-FULL, balance fees interest and all. They get a tax write-off for the charge off. Do they have to pay the IRS back??

I want to see documentation that this creditor can perform this type of monthly negative reporting on my credit report in writing or I want all the credit reporting RETROACTIVLY changed for EVERYONE who has had this experience with any and all creditors.

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

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


Complaint Details:

Date of Complaint: September 25, 2019

Company Official Name: CITIBANK, N.A.

State: None

Product: Credit card or prepaid card
Sub-Product: Store credit card

Issue: Problem when making payments
Sub-Issue: Problem during payment process

Complaint Tags: Older American

Company response:

Response Type: Closed with explanation

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


Complaint Details:

Date of Complaint: September 25, 2019

Company Official Name: CITIBANK, N.A.

State: DE

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Fees or interest
Sub-Issue: Problem with fees

Full Complaint:
I made a payment on my account through your IVR – when that payment didn’t clear my account i called and spoke to an agent. I asked why it didn’t clear my bank as of yet and the agent said they had no idea, they didn’t see any issues on their end. Low and behold i started getting collection calls because my payment was returned for ” invalid account ”, i tried to go online today XX/XX/XXXX to pay the balance and your website said the account i was trying to use was invalid so i couldn’t do that. I texted w. an agent through your secure chatline and they refused to waive the fee for me – oh by the way, the canned responses they sent didn’t even make sense … why would i have evidence from my bank for a late fee and finance charges you billed me? Someone from your comms team should look @ that … anyway i called in to speak to an agent – obviously routed to collections because i am past due – i paid the bal in full w the agent – USING THE SAME ACCOUNT # From the IVR payment and the SAME ACCT # i tried to type into your website that you said i could not use. I asked to have the LF & FC removed as you can see I am a PIF CM, but like a robot your agents can not think outside of the box because your system said it was not a bank error. The agent said they would log a complaint for me, to which i responded that no one would ever even read it in the mix of the 1k of complaints you get on a normal basis, so i am logging this w. the CFPB in hopes someone has the ability to think outside of the box and see that these fees should be adjusted based on the circumstance. I paid, i called to ask why it hadn’t cleared, and i just paid again – i am not gaming your system, i am trying to pay my bill. Look @ the line you gave me, i clearly have good credit, but i have zero issue closing this card and using another. I charge thousands on my cards monthly and always PIF. So in short, i would like LF and interest billed removed from my account.

Company response:

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


Complaint Details:

Date of Complaint: September 25, 2019

Company Official Name: CITIBANK, N.A.

State: None

Product: Credit card or prepaid card
Sub-Product: Store credit card

Issue: Problem when making payments
Sub-Issue: Problem during payment process

Complaint Tags: Older American

Company response:

Response Type: Closed with explanation

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


Complaint Details:

Date of Complaint: September 25, 2019

Company Official Name: CITIBANK, N.A.

State: None

Product: Credit card or prepaid card
Sub-Product: Store credit card

Issue: Problem when making payments
Sub-Issue: Problem during payment process

Complaint Tags: Older American

Company response:

Response Type: Closed with explanation

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


Complaint Details:

Date of Complaint: September 25, 2019

Company Official Name: CITIBANK, N.A.

State: CO

Product: Debt collection
Sub-Product: Credit card debt

Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount

Full Complaint:
Someone has made numerous payments to my Best Buy acct ( XXXX XXXX XXXX XXXX ) for months now I reported this to Best Buy and they have purposely mislead me for months sending me to the Fraud dept Today ( XXXX ) they informed me ( XXXX XXXX that it was not fraud but XXXX XXXX problem Not true XXXX XXXX ( XXXX XXXX states that there is nothing they can due about the over the phone payments Citi ( Best Buy ) will not furnish the routing and acct. nos so I can file a police report They are falsely reporting negative info to the Credit Bureaus for months XXXX XXXX XXXXXXXX XXXX XXXX have been notified by me of these fraudulent payments Citi ( Best Buy ) continues to give me the run around I had three ( 3 ) gift cards stolen XXXX reported them stolen the same day Best Buy let someone use them in New Jersey same day without having the cards just the nos No ID was checked and Best Buy sent me the duplicate rects for the transactions for the Ipads To date Best Buy has not responded S/N are on the rects

Complaint Tags: Older American

Company response:

Response Type: Closed with explanation

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


Complaint Details:

Date of Complaint: September 25, 2019

Company Official Name: CITIBANK, N.A.

State: CA

Product: Mortgage
Sub-Product: Home equity loan or line of credit (HELOC)

Issue: Applying for a mortgage or refinancing an existing mortgage

Full Complaint:
I applied for a loan with Citibank. Based in my salary and credit. I received a pre -approval. The underwriters later ordered an appraisal of my home, and I have at least XXXX in equity. I was told that I may need to pay off a few accounts but that they would move forward. We have emailed 4 or 5 times, and I spoke with the bank direcly. I called my loan officer and asked to speak with the underwriter to question the amount of income they have listed for my rental property. Citibank reported around XXXX per year. I told them that the amounts that they have listed are incorrect ( Citibank gather that I was receiving XXXX per month for a XXXX square foot apartment in a historic preservation area of XXXX XXXX. I mentioned that I received XXXX for the current month and forwarded receipts. I mentioned that I received XXXX in prior years lease, and XXXX per month in the last year. I also provided leases for the past 5 years of rent. Once underwriters spoke to me, the communication slowed. They deciphered that I was an XXXX American woman. I actually provided information which showed me having 600 % more in monthly rental income, nonetheless, the loan did not move forward. After communicating 2 to 3 times per week for a month. Communication stopped. They branch manager not loan officer could provide the silence.

Company response:

Response Type: Closed with explanation

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


Complaint Details:

Date of Complaint: September 25, 2019

Company Official Name: CITIBANK, N.A.

State: NY

Product: Credit card or prepaid card
Sub-Product: Store credit card

Issue: Closing your account
Sub-Issue: Can’t close your account

Complaint Tags: Older American

Company response:

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


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.

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