Business Profile

Banking Services

Citi

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Important information

Customer Complaint:
Please be advised that due to the high volume of complaints received for this business, BBB publishes 1 out of every 5 complaints handled through our conciliation process.

Complaints

This profile includes complaints for Citi's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

7,464 total complaints in the last 3 years.
2,511 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:11/07/2022
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I've called 4 times to close my brokerage account. I was told once it was closed and confirmed today it was never closed..it's a shame consumers have to come here to get things resolved. stop routing calls off shore.
Business Response
Date: 11/07/2022
Please
accept this notice that we are investigating the customer’s concerns. We will respond
directly to the customer, if applicable, via phone, email, or mail within 15
days.
Initial Complaint
Date:11/07/2022
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I was offered a cash bonus of $1500 if I open a Citi bank account & deposit $200,000 and kept the amount in the account for 3 months. Based on this offer, I opened an online bank account in May 2022 and was assisted by a Citibank employee in transferring the money from my existing bank acct into new Citi account. After 3 months I contacted the Citibank located in Rockville MD. I was told that the cash bonus will be deposited in my account after a couple of months. I waited for another 2 months and contacted the Citi bank branch at ********** **. This time I was told that I was ineligible for cash bonus. I was cheated by Citibank and was denied the cash bonus or any interest for $200,000 for 5 months. I want Citi to deposit the promised cash bonus of $1500 as soon as possible into my account. I am a retired senior citizen and need help.
Business Response
Date: 11/07/2022
Please
accept this notice that we are investigating the customer’s concerns. We will respond
directly to the customer, if applicable, via phone, email, or mail within 15
days.
Customer Answer
Date: 11/22/2022
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# ********* and have determined that my complaint has NOT been resolved because:

[Citi haven't contacted me yet]

In order for the BBB to appropriately process your response, you MUST answer the question above.

Sincerely,

************ *********

Business Response
Date: 11/25/2022
Please accept this notice that we are investigating the customer's concerns. We will respond directly to the customer, if applicable, via phone, email, or mail
within 15 days.
Initial Complaint
Date:11/04/2022
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have reached out to AMEX/CITIBANK, N.A.. They have failed to provide proof of validation regarding a debt that does not belong to me. They have furnished this alleged debt on my consumer report and have failed to validate the alleged claim pursuant to Sec. 809(b)of the Fair Debt Collection Practices Act and according 609(a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand this item be removed from my credit report immediately. AMEX/CITIBANK, N.A. you are furnishing inaccurate and incorrect information to the consumer reporting agencies.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.You and your inaccurate reporting have damaged my livelihood.15 U.S. Code ? 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies (a)Duty of furnishers of information to provide accurate information 1) Prohibition (A)Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.Duty: a moral or legal obligation; a responsibility Accurate: correct in all details; exact.Prohibition: a law or regulation forbidding something As Defined by The *** Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.The *** Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!ACCOUNT NUMBER# ***************
Business Response
Date: 11/07/2022

Please accept this notice that we are investigating the customers concerns. We will respond directly to the customer, if applicable, via phone, email, or mail within 15 days.
Customer Answer
Date: 11/23/2022
***************************
***** ***********
***** ** *****

************** ****
** *** ****
************ ** *****

******** *** ****

To Whom It May ******************** notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect November 30 2021, You AMEX/CITIBANK, N.A.

You have violated the ***** *******a and its new rule by parking this alleged debt on my consumer reports. ***** and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal
action.

I have not given you written permission to put anything on my credit profile 15 USC ****b2.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST AMEX/CITIBANK, N.A.

15 USC ****c(c) Ceasing communication

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.

You and your inaccurate reporting have damaged my livelihood.

15 U.S. Code ****s2 - Responsibilities of furnishers of information to consumer reporting agencies

(a)DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION

1) PROHIBITION

(A)Reporting information with actual knowledge of errors

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Duty: a moral or legal obligation; a responsibility

Accurate: correct in all details; exact.

PROHIBITION: a law or regulation forbidding something

15 USC **** s-2 Says you AMEX/CITIBANK, N.A. are a furnisher of information to a consumer reporting agency.

You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC **** s-2 (a) (1) (A)

15 U.S. Code ****s2

(a)DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION

1) PROHIBITION

(B)Reporting information after notice and confirmation of errors

A person shall not furnish information relating to a consumer to any consumer reporting agency if

(i) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and

(ii) the information is, in fact, inaccurate.

In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.

The continued reporting of this inaccurate information is a clear violation of the Law 15 USC **** s-2 of your responsibilities as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.

YOU HAVE 10 Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC **** n, 15 USC **** o and 15 USC ****k.

DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES.

Account name Acct #***************

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking $ ***** per violation for:

1. Defamation of Character (per se)

2. Negligent Enablement of Identity Fraud

3. Fair Debt Collections Practices Act 15 USC ****g violations

4. Fair Credit Reporting Act 15USC **** violations for willful noncompliance - 616. Civil liability for willful noncompliance [15 U.S.C. ****n]

Thank you,

***************************
Your Name
Business Response
Date: 11/28/2022
Please accept this notice that we are investigating the customers concerns. We will respond directly to the customer, if applicable, via phone, email, or mail within 15 days.
Initial Complaint
Date:11/04/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
CITI HAS AN AMERICAN AIRLINES CREDIT CARD THAT PROMISED AMAZING PERKS TO HAVE IT.THE BAD THING IS A $99 YEARLY FEE. I CALLED TO CHANGE THAT CREDIT CARD TO THE ONE THAT I HAVE IN MY HAND WITH NO FEE.TO MY SURPRISE I HAVE BEEN INVOICED FOR THE ONE THAT I HAD CANCELED AND THE REP TOLD ME CLEARLY DO NOT TO WORRY WE TAKE CARE OF THE 99 FEE THAT TO THAT POINT WAS NOT EVEN READY.NOW ONCE AGAIN, THEY WANTED TO CHARGE ME ***** FOR A CREDIT CARD I HAD NEVER USED.
Business Response
Date: 11/04/2022
Please accept this notice that we are investigating the customers concerns. We will respond directly to the customer, if applicable, via phone, email, or mail within 15 days.
Initial Complaint
Date:11/04/2022
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On Sept. 25, 2022, my credit card was used in fraudulent activity at Giant Eagle in the *** of $413.90. **************** on Sept. 29th when I became aware (via email stmt from Citi Financial). Spoke with **** in ************* She informed me that they would close my card and issue a new one. **** further advised that I should pay the minimum payment due on my acct so it would not get behind? I replied to her, "never heard of having to pay for something/charge that you were disputing". She replied, "we have to tell you that". On Sept. 30, 2022, received email from Citi Financial stating in part, "that they had reduced my minimum payment due to $41.00 for the month of October due to my billing dispute"? However, the original payment due was $41.00. On Oct. 4, 2022, received communication saying, "Citi was looking into the dispute and I would not have to pay the disputed transactions or related charges while they were going through the investigation process. On Nov. 3, 2022, I received an email alert from Credit Karma, saying, "there was a change to the remarks listed on my Equifax credit report regarding my CITICARDS CBNA account". When I logged into my Credit Karma account, the remark said, Dispute resolved, customer disagrees. Upon this discovery, I contacted Citi Financial. I was told by *** in the Security *************** that my dispute was resolved on Oct. 3, 2022. I informed her that I had not been notified. She said a letter was mailed on Oct. 3, 2022, which I have yet to receive?? I proceeded to ask her, "how was the dispute resolved"? *** told me that the merchant said, "my card was present at the time of the transaction". I replied, I have and have always had my card in my possession! There may have been a card present, but it wasn't mine nor was it me. I'm sure through Citi's thorough investigation, they can provide video footage, cash register#, cashier#, time & date of sale, as well as a photo to substantiate their findings.
Business Response
Date: 11/04/2022
Please accept this notice that we are investigating the customers concerns. We will respond directly to the customer, if applicable, via phone, email, or mail within 15 days.
Initial Complaint
Date:11/04/2022
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
September to November I have been waiting to receive my new card. I was told by a representative that my account was closed upon my request which I did not authorize. All phone calls are supposed to be recorded so they will be able to verify that. I requested that they reissue my card and open my account. I have received 3 or more pieces of mail from citi all with different account numbers which I don't have access to. When I call to make a payment the automated system states that my information does not match. When I get to talk to a representative I am being told to wait until the disputes settle which will cause me to be late on my payment. I have never been late on a payment and I do not pay just the minimum. All was well until I filed the disputes for fraudulent charges on my card. Since the mail they send have multiple accounts that I don't have access to I'm starting to think that they are opening and closing accounts every time I call which would be very unethical and unprofessional. I would really like an honest answer as to what is being done besides the same lie that has been told thus far.
Business Response
Date: 11/04/2022
Please accept this notice that we are investigating the customer's concerns. We will respond directly to the customer, if applicable, via phone, email, or mail within 15 days.
Customer Answer
Date: 11/21/2022
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

******** ********
Initial Complaint
Date:11/03/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On October 24, 2022 I Jan ****** ******* sent a formal letters to the following banks companies currently showing on my credit report. The banks are furnishing incorrect information to the cusumer reporting agency. The account are currently showing the status as Charge off. By law, these companies were supposed to send me a copy of my 1099c when they first reported these account as charge off. The banks have not sent me a copy of my 1099C to properly file it with my taxes. IRS publication 2021 states that even if you don’t receive your 1099-c, you must report canceled debt - Charge off - as gross income on your tax return. I would like to inform you that the IRS is clearly stating that income does not get reported on the consumer report. Debt is reported on the consumer report, Not income. The IRS states that lenders must file form 1099- C and send the consumer a copy if the amount is $600 or more. The above paragraph is taken from the IRS 2021 publication. My letter clearly stated that I was formally asking these companies to provided me with a copy of my 1099c to properly filed it with my tax return for which they failed to respond during a appropriate time. More than 15 days have passed. I would like to know why is income being reported as debt on my consumer report? This clearly doesn’t make no sense to me right now. Something is clearly incorrect with the way this information is being reported, either way it is a violation of the accuracy of the reporting. By definition, the IRS clearly states that a canceled debt - Charge off - is an income. The reporting of this account as debt is inaccurate.

15 U.S. Code § 1681s–2 -says that this banks companies are a furnisher of information to a customer reporting agency, and that they are prohibited by law to furnish inaccurate information, i sent them an letter demanding that they cease and desist the reporting of incorrect and inaccurate information immediately.
Business Response
Date: 11/03/2022
Please accept this notice that we are investigating the customer’s concerns. We will respond directly to the customer, if applicable, via phone, email, or mail within 15 days.
Customer Answer
Date: 11/14/2022
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

The furnisher of information is committing fraud by not immediately deleting this information from my credit report

In order for the BBB to appropriately process your response, you MUST answer the question above.

Sincerely,

*** *******

Business Response
Date: 11/17/2022
Please accept this notice that we are
investigating the customer’s concerns. We will respond directly to the
customer, if applicable, via phone, email, or mail within 15 days.
Initial Complaint
Date:10/31/2022
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Early this year I received an ad letter from Citibank. They were offering a $700 bonus for opening a new checking account and keeping a balance of $50,000 for at least 60 days. The same promotion was also posted on their website. So I clicked through that offer link, opened a new checking account in April and have been keeping the $50,000 balance on my account since then. However, I have never received the $700 bonus.

I chatted with their online customer service multiple times. The first few times I was told there was a technical issue with them. They CONFIRMED that I would get the bonus in a couple of weeks - which I did not. At the last time the representative asked me to call their customer service number as he could not find any record of such an offer. So I did. I got transferred from one department to another, from one agent to another. Even the supervisor was not able to help as she was not aware of the promotion, either. They asked me to send over a copy of the offer letter or a screenshot of the online promotion. Unfortunately, I don't have either. But this does not mean the promotion did not exist.
Business Response
Date: 11/01/2022
Please accept this notice that we are investigating the customer’s concerns. We will respond directly to the customer, if applicable, via phone, email, or mail within 15 days.
Initial Complaint
Date:10/31/2022
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I purchased a damaged laptop and after unsuccessful attempt to return the product, I filed a chargeback with Citi. Citi has incorrectly resolved the dispute in the merchants favor. I had submitted everything I needed and Citi resolved it in the merchants favor because they sent a receipt. I never stated to Citi that this was a fraud case. I stated to Citi that the product purchased was damaged and the merchant refused to let me return it. The dispute should have been resolved in my favor and after contacting Citi numerous times to try to get them to reopen the dispute, Citi refuses to reopen the dispute. I am in my right to file this dispute as per FCRA. I am absolutely disgusted and ashamed with Citi. They have been an absolute nightmare and are extremely unhelpful. I want them to allow me to reopen the dispute and I want them to contact me.
Business Response
Date: 11/01/2022
Please accept this notice that we are investigating the customers concerns. We will respond directly to the customer, if applicable, via phone, email, or mail within 15 days.

Customer Answer
Date: 12/06/2022
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

CitiBank never responded.

In order for the BBB to appropriately process your response, you MUST answer the question above.

Sincerely,

*************************

Business Response
Date: 06/02/2023
Citi will no longer respond to the customers complaints as we consider the matter resolved.
Customer Answer
Date: 06/12/2023
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

Citi HAS NOT resolved my complaint. I last spoke to a representative named ***** and she was extremely rude and unprofessional like all of the other representatives I have spoken to. She refused to listen to me and kept cutting me off and said from verbatim what the letters had said. Once again, CITI IS IN VIOLATION OF FEDERAL CONSUMER LAWS. I will be reporting them to the proper agencies.

In order for the BBB to appropriately process your response, you MUST answer the question above.

Sincerely,

*************************
Initial Complaint
Date:10/31/2022
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On December *********************************** a late fee of four hundred and eighty four dollars and making my credit score low. I had made calls to Best Buy for more than 6times about my payment due date on the 25th of every month. I also have emails from Best Buy with due dates 25th of every month. I am asking for help from the Better Business Bureau to help fix this problem because my credit is in trouble and low, need billing adjustment, correction to credit score, refund and store credit.
Business Response
Date: 11/01/2022
Please accept this notice that we are investigating the customers concerns. We will respond directly to the customer, if applicable, via phone, email, or mail within 15 days.

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Citi is NOT a BBB Accredited Business.