Business Profile
Banking Services
CitiHeadquarters
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
- 7,382 total complaints in the last 3 years.
- 2,369 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:11/27/2023
Type:Service or Repair IssuesStatus: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.
Citibank let ******* charge me 500 dollars. i didnt approve the charges i cancel 2 years earlier. 2 years later 500 dollars shows up on my card. 2 years earlier ******* charged me money i paid it, stupidly because they said it was a reoccurring charge. i called in june and told them to stop any future charges. i was fine for 2 years then the charges started again. citi said they mailed me a letter which i never recieved . why not email me ? i have been calling 6 times in 5 months with thier customer service telling me the case would be reopened and charges reversed. now citi tells me they to me 5 months ago they wouldnt do anything. then why give me run around for 5 monthsBusiness Response
Date: 11/28/2023
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:11/27/2023
Type:Billing IssuesStatus: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 a credit card for Best Buy with this company. With a lower credit score, my credit limit was over $2000. I have paid approximately $1200 of the debt off. My credit score has increased approximately 90 points. Yet, this company has decreased my credit limit by a $1000. Each time I make a payment, this company decreases my credit limit by the same amount. I believe this practice is discriminatory and predatory and used to diminish my payment history and justify charging me extremely high interest rates. The Fair Credit Act supports my right to have accurate, fair, and non-deceptive information on my credit report. If I paid $1200 of a debt, my credit report should reflect this information to others and not appear to suggest that I only paid $75 to $100 down on the same debt. I want this company to report my original credit limit which was over $2000. I did not request a decrease of my credit limit and it is affecting my credit score. In addition, it is not fair that I paid $1200 of my debt down and I am treated as a person who only made $100 payment.Business Response
Date: 11/27/2023
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.Customer Answer
Date: 12/13/2023
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: I have not been contacted and ultimately I want them to reflect the debt that has been paid.[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: I have NOT been contacted and ultimately I want them to reflect the debt that has been paid.]
In order for the BBB to appropriately process your response, you MUST answer the question above.
Sincerely,
*********************
Business Response
Date: 12/18/2023
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:11/27/2023
Type:Service or Repair IssuesStatus: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 called ********** customer service on 11/21/23 after 6pm & was on the phone over an hour & spoke to several reps named ********************** **** havve in credit Carliie -client ***************************** & ******. I just needed to get my promotion extended for 0 interest on a washer I brought & to get help logging on my online account. I spoke to all these reps & no one helped. Very poor experience. Ive been out of work with foot surgery & out of work the next 6 weeks & ********** is not helping.Desired Outcome/SettlementBusiness Response
Date: 11/27/2023
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:11/23/2023
Type:Billing IssuesStatus: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 had a credit coming from consumer reports so I deducted that credit and paid in full. But consumer reports mistakenly gave credit just short of full amount. I called Citibank because they were showing payment late. Even though I had paid bill in full for November they said I needed to make minimum payment which was greater than what I owed. I disputed $3 plus dollars due to me from consumer reports and Citibank was supposed to issue that credit along with.50 interest charge. Still 4 days later the account is STILL SHOWING PAST DUE. Citibank told me it would take 2 days before that overdue error message would go away but today 11/20 and message is still showing on the account. I am beginning to think customer service is not telling the truth and further they are affecting my credit rating by showing account past due!Business Response
Date: 11/24/2023
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 daysCustomer Answer
Date: 12/11/2023
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:If anyone had bothered to call me I could have explained what actually happened!
In order for the BBB to appropriately process your response, you MUST answer the question above.
Sincerely,
*********************************
Customer Answer
Date: 01/19/2024
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 way Citibank doesnt apply credits to minimum payment due.
[Your Answer Here]
In order for the BBB to appropriately process your response, you MUST answer the question above.
Sincerely,
*********************************
Business Response
Date: 01/22/2024
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:11/22/2023
Type:Billing IssuesStatus: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 am writing to express my deep dissatisfaction and frustration with the recent handling of my account at ********************. On November 14, 2023, I deposited a personal check in the amount of $3,450, received from my incarcerated loved one, into my Citibank checking account. However, within the next two days, I encountered difficulties accessing my mobile banking with Citibank, prompting me to contact your customer service.To my surprise, I was informed that my account had been locked due to the inability to verify the funds associated with the deposited check. In an effort to resolve this matter promptly, I provided Citibank with the contact information for the bank from which the check was issued. However, I was shocked to hear that Citibank claimed they were informed that the check was invalid.Taking matters into my own hands, I personally contacted the issuing bank and was informed that the funds are indeed available and the check is valid. This conflicting information from Citibank and the issuing bank has left me perplexed and deeply concerned about the handling of my account.Despite my attempts to rectify the situation, Citibank has failed to take the necessary steps to verify the legitimacy of the check, leading to the unwarranted closure of my account. Furthermore, I have spoken with multiple customer service representatives who provided little to no information regarding the reasons behind the account closure, leaving me in a state of utter confusion and frustration.Business Response
Date: 11/22/2023
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 daysInitial Complaint
Date:11/21/2023
Type:Service or Repair IssuesStatus: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 November 20th 2023 charged me $79.99 for delivery on my order. My order was not delivered correctly. Wrong items were sent. I called ********** dot com and explained the issue. I explained I wasn't paying the delivery charge since my order wasn't delivered correctly. They contacted the store that filled the order and told me they are not going to waive the charge. I then called Citibank and explained the situation. The representative said citibank can't help me either. ********** was in the wrong and citibank failed to acknowledge this and look into the situation. I spent over 2 hours trying to correct this problem. Fair resolution is a $150 credit towards my citibank account for my time and emotional distress. If this can't be resolved this way I have to choice but to take ********** and citibank to courtBusiness Response
Date: 11/21/2023
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:11/20/2023
Type:Service or Repair IssuesStatus: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.
My ********** credit card was stolen and made some of $1,726.89 and I file a fraud complaint and a new card was issued to me the later on the still put those fraudulent charges on my statement. I am disputing the fraudulent charges on the account. And a $37.70 charges too on the account.Business Response
Date: 11/21/2023
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 daysInitial Complaint
Date:11/20/2023
Type:Service or Repair IssuesStatus: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 want to file a complaint on how Best Buy and citi bank consumer department and the way they go about verification. I opened a Best Buy credit card account and have for the holidays further more since I have had my account I have used it and have paid most off it how ever after my third large purchase, my card was in locked with no notification or notice and when I called in about it, they they went to verify me through my phone number which isnt a problem but then all of a sudden now theyre starting to say that verification is going to be sent either by mail or by phone. Call but not pacific and doesnt tell me why my card was locked, and unable to use which has left me and my kids stranded on two other occasions. Furthermore, there was the credit was available. However, the purchase was blocked unclear why they wont tell me no information about it. However, I have still remained making payment and I have called over a dozen times and at each time I have been told something different my last purchase was a tire and a few small items of which was already paid. However, again my card was locked and when calling in there on specific on what needs to be verified, they keep telling me to look in the mail for something its been over three weeks. Nothing is coming in the mail. Nothing came on my phone. Nothing coming my email Christmas is around the corner theres no explanation on why my account is being blocked **************** are being made. I feel at this point Ive already had the card. I already use the card. Ive already verified myself more than once on different occasions where the card is locked. I feel they need to be a little more pacific on verification and letting the customer know what the deal is or what the problem may ******* its not right here it is Im making payments and you guys are not telling me why my account being unlocked clearly I cannot have done nothing and the payments that Im being made or not even applied to the credit that I was approved for, so Im unclear of everythingBusiness Response
Date: 11/22/2023
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 daysInitial Complaint
Date:11/20/2023
Type:Service or Repair IssuesStatus: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 been to Citibank customer with their custom cash card for over 2 years. During and surrounding covid I was out of work for a while and my overall credit utilization across all cards went up. When this happened I had around a $1600 balance on my Citibank card. I've never missed a payment with this company yet they arbitrarily lowered my credit limit from $2,300 to $1730 effectively driving my utilization up to over 90% hurting my credit. When I called to ask why this happened they told me that it was based on my credit report which while my score has lowered is still not terrible but worse now that they've done this. Fast forward almost a year I just made a big payment to Citibank getting my utilization down to around 50% and then I get a notification that they've lowered my credit limit again again I've never missed a payment driving my utilization back up to 94 percent. This seems criminal to me it's affecting my credit adversely I have been paying them in good faith and they repay me by doing this. I know they are doing this to other people because I read about it online. I understand that credit card companies have the right to lower balances or close accounts but shouldn't it be with cause. How can I ever get ahead if companies like this continue to drive my utilization up keeping my score down opening the door for other companies to want to do the same. I am a loyal consumer and I pay my bills is there anyone out there looking out for the little guy like me?Business Response
Date: 11/20/2023
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.Business Response
Date: 11/20/2023
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:11/16/2023
Type:Product IssuesStatus: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 bank automatically closed my account and revoked over $600 in credit cards rewardsBusiness Response
Date: 11/16/2023
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.
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