May 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: May 18, 2021

Company Official Name: CITIBANK, N.A.

State: NJ

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 explanation


Complaint Details:

Date of Complaint: May 19, 2021

Company Official Name: CITIBANK, N.A.

State: MD

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

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

Full Complaint:
Violation of Fair Credit Report Act. Section 604. Equifax reports shows a chargeoff account for Macys. The report states that the account was opened XX/XX/XXXX and closed XX/XX/XXXX which is a total of 12 months and 3 days.

Reports states that the account has been reviewed for 72 months, which would be a total of 6 years and 8 months. This is obliviously impossible since 72 months is 5 years and 7 months longer then the account was open.

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: May 18, 2021

Company Official Name: CITIBANK, N.A.

State: CA

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

Issue: Managing an account
Sub-Issue: Banking errors

Full Complaint:
XX/XX/XXXX I opened an eligible Citi priority checking account and savings account to fulfill Citi priority account bonus opening requirements. I funded the account within 30 days of account opening ( XX/XX/XXXX ) with at least {000.00}, the funds remained for 60 days, to fulfill Citi priority banking account bonus requirements, which were told to be paid out within 90 calendar days.

Through this time period, I was repeatedly told by Citi customer service representatives that I was acting accordingly to fulfill bonus requirements and that my bonus requirements have been met and was most certainly getting paid out soon, I just needed to wait some days longer. Unfortunately I do not have additional records other than from the Citi messaging system, as i was not expecting this bonus claim process to come to this, 3+ months later, but these contacts alone very well document my issues …

XXXX – ” You have qualified for the bonus offer on XX/XX/XXXX. So the bonus amount will get credited in the account within 90 calendar days starting from XX/XX/XXXX. ” XXXX – ” it takes another 90 days time frame for the account bonus to get credited on your account mentioned on the terms and conditions ” XXXX – ” you will receive it by the end of XXXX month ” XXXX – ” it will be credited anytime in the 90 days ” ” allow 2-3 days for the credit ” XXXX – ” Need not worry you can expect the bonus amount in your account before 90 days form the 60th day where you have maintained the funds in your account ” ” So you will be getting the bonus on or before XX/XX/XXXX ” These conversations in the chat window are captured in texts attached. Calling I was told similarly, and calling again on XXXX, XXXX talking to an account executive confirmed I was eligible and opened up yet another account dispute on the subject.

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: May 18, 2021

Company Official Name: CITIBANK, N.A.

State: GA

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

Issue: Closing your account
Sub-Issue: Company closed your account

Full Complaint:
On the evening of XX/XX/21 I received an email from Citi that they had closed my credit card account. I’ve had this account with them for over 20 years and have never had a late payment. I called first thing the next morning and was told that they closed the account due to lack of activity. I explained that with the recent pandemic I didn’t have the need to charge anything to the card since we weren’t going out. I also asked them why they hadn’t sent me a notice prior letting me know ( they seem to have no problems sending out marketing material constantly to me via email ), OR why they didn’t let me know that this was a possibility when I contacted them several weeks ago in order to change my mailing address – they had no response. I asked that they re-open/reinstate my account during the call. The Citi rep then started a new application on my behalf and explained that it would be reviewed for approval. I explained that I did not want to apply for a new card, but to have my account re-opened/reinstated. She said going through this new application process was the only way. I spoke with a manager and was told the same thing.

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: May 18, 2021

Company Official Name: CITIBANK, N.A.

State: IL

Product: Mortgage
Sub-Product: Conventional home mortgage

Issue: Trouble during payment process

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: May 19, 2021

Company Official Name: CITIBANK, N.A.

State: AL

Product: Debt collection
Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft

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: May 18, 2021

Company Official Name: CITIBANK, N.A.

State: GA

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

Full Complaint:
I have a Citi Diamond preferred credit card that has three fraudulent charges made in XXXX. The first was on XXXX to XXXX in Ohio, for {0.00}. The statement shows a phone # XXXX as XXXX. The second charge was on XXXX to XXXX XXXX XXXX for {0.00}. The last charge was again to XXXX for {0.00}.
I have called Citi Cards twice to dispute this, and sent them a letter. I received a letter date XX/XX/12 that said they tried to contact me for further information but because they could not reach me they closed the investigation into the charges. This is a lie, I have been checking my emails every day and have not seen a request for more information.

I do not use either of these companies. I live in Georgia and XXXX is in the mid west.

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


Complaint Details:

Date of Complaint: May 18, 2021

Company Official Name: CITIBANK, N.A.

State: OH

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:
In the past, I had subscribed to the local news paper. I cancelled this subscription in writing, via email, pursuant to the requirements laid out in the card holder agreement in early XX/XX/XXXX but the merchant never stopped charging my Citi Bank credit card every month.

I’ve filed disputes each month, have called the bank over 10x, and provided the emails I sent the merchant to cancel at least 15x via email to the bank. There are now 6 disputed transactions ( XXXX through XX/XX/XXXX ), and 3 have been resolved in my favor, but the bank somehow found against me- in conflict with the facts proven by my supporting documentation AND 3 other findings in absolutely identical situations on one of the other months and are STILL investigating 2 others.

On the XXXX, XXXX, and XXXX charges that I’m disputing from this merchant for cancelled services, Citi has closed the disputes, and refunded the money. Somehow for XXXX, they found in favor of the merchant ( in contradiction of their findings in the other months which contained the exact same facts ) and they are still somehow investigating XXXX ( by have closed XXXX? Makes no sense ) and now XXXX as of another charge that Citi let go through, which I disputed today.

I’ve called 2x to have a new card issued as well, and was told it ” was not necessary. ” Please help! I’m tired of doing everything I’m suppose to do in this situation and the bank refusing to process the identical disputes properly, apply credits, stop the merchant from making the charges, and reissue the card.

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: May 18, 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: Getting a credit card
Sub-Issue: Card opened as result of identity theft or fraud

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: May 19, 2021

Company Official Name: CITIBANK, N.A.

State: CA

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

Full Complaint:
I have contacted XXXX and XXXX on several occasions requesting that they investigate a derogatory account that is past the statute of limitations for being on my credit report ( 7 years ) – for CBNA ( Citibank ) – which is is showing as a derogatory collection because it was settled in full.

On both occasions the credit bureaus ignore my written requests for removal of this outdated information, and they don’t respond at all.

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


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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