February 2021 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 2021, the CFPB received 9315 complaints against Citibank. Citibank ranked Number 7 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: February 20, 2021

Company Official Name: CITIBANK, N.A.

State: FL

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

Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don’t recognize

Full Complaint:
I have XXXX and was informed of several attempts to open bank accounts/credit cards and through a three way call with XXXX and perspective institutions we were able to close all accounts. Yea I’m so happy! Then I pull my credit report and find several inquires/medical collection most ones we have already closed exception of two medical collections that was never mine in the first place. I called XXXX gave then my Security Pin for my freeze account and was asked several questions that i passed except for what was the last date you notified XXXX month/date/year. Now I never thought in a million years that when I placed a freeze that I would also have to document the date/time/year of my exchange. Now I am caught in a position that the only way to remove something off my credit report is to contact your organization. I explained to the person at XXXX that I answered all question even giving a round about year of last conversation. Also, stated I find it funny how easy it is to create fraud but can not take information off of credit report.
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CBNA/XXXX XXXX XXXX Account ending in XXXX and XXXX XXXXXXXX XXXX XXXXXXXX reported XXXX XXXX Collections {00.00} ( Not My Account ) XXXXl XX/XX/XXXX reported XX/XX/XXXX Collections {0.00} ( Not My Account ) Thank you

Company response:

Response Type: Closed with non-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: February 20, 2021

Company Official Name: CITIBANK, N.A.

State: NY

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:
On XX/XX/2021, I made a {0.00} purchase on a website called XXXX. The following day, I looked up the website to check my tracking number and saw that the website was unavailable ( it is still unavailable to this day ). Without a way to cancel my order, I filed a dispute with Citibank to stop the charge. I emailed the merchant and asked where the website had gone and when I did not receive a response, I asked them to cancel my order. The merchant responded back confirming they would issue a refund and cancel the shipment. I have not received my refund. Citibank has denied my dispute despite agreeing with me on the phone when I called. I spoke with a person named XXXX at Citibank who confirmed with me that the email conversation was sufficient enough to resolve this dispute and that she would have the investigators have a look. I have since been told I am still responsible for this charge.

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: February 20, 2021

Company Official Name: CITIBANK, N.A.

State: NY

Product: Checking or savings account
Sub-Product: Checking account

Issue: Managing an account
Sub-Issue: Deposits and withdrawals

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: February 20, 2021

Company Official Name: CITIBANK, N.A.

State: NY

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

Issue: Incorrect information on your report
Sub-Issue: Account status incorrect

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: February 20, 2021

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 when making payments
Sub-Issue: Problem during payment process

Full Complaint:
Citibank took a payment check which was written out for deposit to my wife ‘s Citi account and applied it to my credit card.
They agreed, in a tape recorded conversation, that it was their fault.
When I requested immediate payment, on XX/XX/21, they said that it would post to my bank account in 2 or 3 days.
When it did not post till today, ( XX/XX/21 ) I called. They said that the original information was false and that nothing would happen till XX/XX/21. I asked when the process would be completed, they said no guarantees.
Two different supervisors agreed, in tape recorded calls, that they could not provide a check. Second one was today, XX/XX/21 XXXX # XXXX.
There is nothing to research or investigate by Citi.
There is a clear paper trail of a mistaken payment by them, and they agree that that its what happened.
Please force Citi to change its practices so that immediately begin to process a check when this happens to someone else.
If I stole their money ( {000.00} ) and told them that I would return it when it was bureaucratically convenient for me, I would be in jail for it.
My credit card that the money was mistakenly used to pay down the amount owing is XXXX XXXX XXXX XXXX. My money was withdrawn from my XXXX XXXX Checking ending XXXX.
Please let me know if I can provide further information.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response:

Response Type: Closed with non-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: February 20, 2021

Company Official Name: CITIBANK, N.A.

State: FL

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

Issue: Trouble using your card
Sub-Issue: Credit card company won’t increase or decrease your credit limit

Full Complaint:
This is the second time in less than a year, during COVID mind you, that Citi has decreased my balance for absolutely no reason, to what I owe on the card, which then makes it appear that I have maxed out a credit card. This has a devastating impact on your credit score when a credit card is above 30 % usage. They did this in XX/XX/2020 and when I filed a complaint, they raised my limit back up to what it was before they reduced it. See previous complaint I filed on XX/XX/2020. The email states it is a decision made by Citi and not by the credit agency. You can see I have a 100 % credit payment history on all my credit, car loan, etc.

There is no reasonable explanation for this. I got this card after receiving a promotion in the mail for an interest free balance transfer. The only charge to this card was the balance transfer, which was about 30 % of the total limit they offered. My limit was {00.00}. I have not charged anything additional to this card. I kept my credit utilization under 30 %. I have never missed a payment. The credit limit was {00.00} and I only owe {00.00}, so less then I did in XXXX when they reduced the limit. I have not charged anything additional and am paying it off and feel like Im being punished for being responsible. There is no reason for Citi to have reduced the credit limit, which will cause my score to decrease significantly. This will have a tremendous negative impact on my credit. The country is in a financial crisis and I have done everything right. Thankfully, I still have my job.The same job I have had 14 years. I have paid all my bills on time and have a 100 % on-time score. Ive never been late on any of my credit payments and have not asked for any kind of COVID forbearance. I do not know why they would treat their customers like this during such a trying time. Its going to ruin my credit. I just want them to increase the limit back to what it was. I have no plans of jacking the card up to the limit. You can see that I have paid it down and have charged nothing else. Im doing the responsible thing here. I will even agree to not charge anything additional if that is what they are worried about if they will just increase the limit back to where it was so that it doesnt look like I maxed out a credit card. Quite frankly, how can this be legal. They literally have the power to ruin someones life without good reason. And Im trying to buy my home. This is devastating to my financial well-being.

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: February 20, 2021

Company Official Name: CITIBANK, N.A.

State: MA

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

Issue: Other features, terms, or problems
Sub-Issue: Other problem

Full Complaint:
I received a notification from a credit monitoring service I subscribe to that my store card account with Best Buy had been closed by the bank Citibank. I received no notice from the bank that they were going to take this action. I am currently in the process of trying to purchase a home and now that this long-standing account has been closed, I may not be able to secure a mortgage due to the change on my credit report. If I had received some notice, any notice, I would have taken action to prevent its closure. I spoke with someone from the bank ‘s customer service and the first person I spoke to advised me that an email had been sent to me in late XXXX. An email that I never received. The second person I spoke with stated she could not see any email being sent to me. The third person I spoke with said that letters were mailed out in XXXX and XXXX. Letters which I never received. If I weren’t in the middle of buying a home, I probably would have let the account close. But because everything is reliant on good credit nowadays we are basically at the whim of the banks. I try to be a knowledgeable financial products consumer but when a financial institution decides to close an account without regard to how that may impact consumers, there’s very little that we can do as consumers.

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: February 20, 2021

Company Official Name: CITIBANK, N.A.

State: VA

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

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: February 20, 2021

Company Official Name: CITIBANK, N.A.

State: HI

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

Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else

Full Complaint:
On XX/XX/2019, CITIBANK NA., BEST BUY add a hard inquiry on my credit reports.

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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: February 20, 2021

Company Official Name: CITIBANK, N.A.

State: AL

Product: Checking or savings account
Sub-Product: CD (Certificate of Deposit)

Issue: Managing an account
Sub-Issue: Funds not handled or disbursed as instructed

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


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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