Business Profile

Banking Services

Citi

This business is NOT BBB Accredited.

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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

7,468 total complaints in the last 3 years.
2,512 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:10/09/2022
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.
In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****. 15 U.S.C **** section 602 A. States I have the right to privacy. 15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C I am a real person not a third party service. Thanks
Business Response
Date: 02/09/2023
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:10/09/2022
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 cancelled my reservation prior to the cancel deadline to qualify for a full refund. Citi Bank is refusing to return my money and stand up for the fraud that is being committed by ****************
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.
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:

The business has responded and closed the case. They state that they will not further investigate nor will they refund (as per their own policy!) the fraudulent charges on my card. They've permanently closed the case and dishonestly replied to you.

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

Sincerely,

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

Business Response
Date: 01/25/2023
We
responded to the customer on [11/07/22]. If the customer would like to
share this information, they can provide a copy of our response to the BBB.
Initial Complaint
Date:10/07/2022
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 recently was sent an email stating my bank account would be closed within 60 days. They did not give any specifics other than violated the terms of your account per the client manualI have not done anything to violate these terms and dont know what would make them close my account. But searching the web it seems like a common practice On the email it says I will receive my balance on my account only after the 60 days when my account is closed, but also mention in the email: If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card.So I called there fraud department*****************) and talked to a rep asking her to please expedite a check for my balance as I am in a dire emergency. I need the funds for medical reasons and by not receiving it soon it would put me in a real dangerous situation medically. She said she couldnt do anything and I asked to speak to a supervisor who also said I was out of luck! This is unfair that I cant access MY money that I need for an emergency from a decision CitiBank made! I cannot wait 60 days for my funds this was my entire savings. Please rerun my money. I have filed a complaint also with OCC as I have no other options in this dire situation.
Business Response
Date: 10/10/2022
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: 10/25/2022
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:

[Your Answer Here]

SEND ME MY MONEY!!!!!!

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

Sincerely,

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

Customer Answer
Date: 11/01/2022
Have no sent me my money!
Business Response
Date: 11/02/2022
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:10/07/2022
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.
This is *************** SSN: *********** DOB: 08/06/1985. I have been a citi customer for more than 5 years. I was notificied that my account was closed due to fraudulent concerns. My citi Premier card number is **************** I have a checking account with Citi and there is still around 2000$ balance after the account is closed. I have not have received the refund check yet. My ****** citi card also has around 1000$ ****** certificate after the account is closed. I did not receive the certificate yet. Please NOTE the only reason I use the Citi ****** card for ****** purchase is because of the 2% cash back rewards. I have no problem with you closing my account. But you payback the cash back rewards that you owe. If you forfeit the rewards, that's business frauds. Please mail my credit on my checking account to my current address: **************************************************** immediately. Please also mail a check of the cash rewards for my Citi Costo card. I have done my homework and I know hiring a credit card lawyer will get the rewards back on a small claim court. It takes about 10mins to file a small claim in **. And you will lose the case for sure because the only reason my account was closed is because I've earned too much rewards than citi can afford.... Again, legally you can close my account for no reason. But the rewards left in my account is mine and you need to pay back.Please consider this before I escalate further to legal resort. Thank you.
Business Response
Date: 10/10/2022
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: 10/25/2022
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:

[Your Answer Here]
My checking ending *** has a balance of around 1515$ before the account closure. As I recently moved, the refund check is never received. Please ship it directly to my current address ********************************************** *****.

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

Sincerely,

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

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.
Initial Complaint
Date:10/05/2022
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.
This is the second time this has happened in, which I filed a complaint prior and did get a favorable result. This time around Citibank credit cards repeated the same offense and I no longer wish to be their client. My family was under going a financial hardship so I had higher utilization on my credit cards then prior. Since then I have paid down several cards by 50% ( this Citi card by 50% ) and 3 cards I paid off entirely last week. I am now awaiting my credit score to return to a higher number. However with this, Citi wasted no time to punish me for paying my card down and decided in just a few days to lower my credit limit. I had spent quite a bit of money on the card and they are getting their high interest as well. Now since they decided to do this, my utilization now looks high on their card. They left me with a $120 open limit. I was looking to raise my credit score again after this hardship and what would have been 50% utilization on my card is now over 90%. This is the 2nd time they have done this to me is the last 3 years. I’m a publicist and have many, many contacts I can reach out to in which to express my displeasure with Citi. I won’t ever use the card again. I will just work to pay off the just over $2k balance now and cut up the card. I want this repeat injustice on record. Thank you!
Business Response
Date: 10/05/2022
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: 10/18/2022
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 company did call and I spoke to them however they refused to do anything to assist. This is not acceptable customer service of any kind. I make all my payments on time, therefore you have no reason to penalize me in this manner. The only reason I can see an issue here, is me paying down the bill would cause you to lose the additional interest you would collect because the amount has gone down. When clients pay their bill down that should provide credit worthiness and integrity which should be rewarded, not punished. The limit should increase not decrease as it does with ALL of my other credit cards. As I just paid off entirely some of my cards and cut down in half the rest- my credit score is set to shoot up shortly. In that regard and since this is the second time you’ve done this for the same reason, I will no longer require your credit card services and will instead continue on with companies that show customer care and integrity. I’ll work to pay your card off and then cancel it. Thank you!

Best,

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

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

Sincerely,

******** *******
Initial Complaint
Date:10/05/2022
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.
For over the past week, I’ve tried to wire myself money into another bank. This is because Citibank would not allow me to transfer it to myself after a certain amount. They canceled the transfer request claiming suspected fraud. They hammed, hawed bobbed, weaved, and tap danced around the transfer for over a week. It had nothing to do with security and everything to do with delaying the transfer so they could make more money. I called about a dozen times, was transferred all over the world, and got nowhere.

It should not be so difficult to transfer my money. They made it a nightmare. I will never forget Citibank and will do everything I can to encourage others to avoid Citibank. I deserve some compensation for this week and for all the aggravation in calling and delaying about a dozen times. I’m still waiting for my money.
Business Response
Date: 10/05/2022
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:10/03/2022
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 the 29th of October 2, 2022, I had a call from ****** CITI Credit Card Customer Service harassing me and my wife that they are closing our personal business bank and switched us to our Business Name to one account. My wife and I had two CITI ****** Credit Cards with my name and her name, and we have been using the business cards to purchase items for our business for years. Unfortunately, my wife was next to me when I explained to the customer service representative for ****** CITI Credit Card Customer Service that our account is closed due to non-payments, and I tried to explain to them why it is closed when they are taking out money from our bank accounts! The customer service representatives for ****** CITI were very persecution and unprofessional verbally harassing us for payments over the phone when we tried to explain to the customer service representative that why they closed out our personal business account, took our names off the credit card and instead they out our business name in one card. Unfortunately, the customer service was verbally ill-mannered and disregard my questions and demand my wife and I to pay up front and told both of us that we no longer have our names in our business card but our business name instead. I tried to explain that why didn’t they follow up on us for months when we tried to explain to the customer service that they take out money out of our bank account for months and now they told us they are closing our account for no reason. I immediately filed a complaint through the Federal trade Commission, The Bureau of Better Business, and the Consumer Financial Protection Bureau to investigate that they are doing us wrong as business owners here in Anchorage Ak. I am a U.S. Army Veteran with a master’s degree that my wife and I hold; and a Business Owner that my wife and I hold our position running a business for 7 years. Please Investigate.
Business Response
Date: 10/03/2022
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.
Initial Complaint
Date:09/30/2022
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.
Upon seeing my credit report, it pays my attention that the following accounts are inaccurate and fraudulent. I am a consumer by law. I am not happy about it what I saw. This hurt my credentials as a consumer. Here are the listed details of the account with discrepancies:

Account Name CITI Balance $0.00 Account Number ************
Business Response
Date: 09/30/2022
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:09/29/2022
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.
Remove or the late payments or delete the account.
Pursuant 15 U.S.C. 1666B: a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Pursuant 15U.S.C. 1666d Treatment of credit balances
Business Response
Date: 09/29/2022
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:09/27/2022
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.
you keep on reporting the account on the bureau but I'm sure this shouldn't be on my credit report as it is being reported in accurately! i want you to validate the debt and this must be blocked in my credit report
Business Response
Date: 09/27/2022
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.

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Citi is NOT a BBB Accredited Business.