Business Profile

Banking Services

Citi

Headquarters

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

7,383 total complaints in the last 3 years.
2,368 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:11/09/2023
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 06/25/2023 opened a best buy credit card and bought a ring door camera. I paid off the credit card before i left the store using my debit card the amount of $193.03. i recieved collection calls from Citi bank saying the card was not paid i tried to explain to them that i paid it off the same day i made a purchase but they said they did not see the payment and started charging me interest on the card. i called best buy credit services and spoke to lady supervisor who was rude to me and her name is **** or **** who told me the money was posted in the wrong account and they was to refund me the money. i refused the refund because the money was paying a credit card which is accruing interest because they had made a mistake on their end. She then dropped the phone on me
Business Response
Date: 11/09/2023
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:11/09/2023
Type:Sales and Advertising 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.
Been disputing a Transaction since august. Citibank restricted my online access and refuse to assist w me getting back in but thats how Citibank communicates with you. Havent gotten a statement in months and they wont correctly investigate my dispute. I sent over proof and when I call the reps hang up, supervisors hang up on you and this is stealing. I had a problem worth their bank account and they been targeting my credit card ever since
Business Response
Date: 11/10/2023
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:11/08/2023
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.
Ok. Ive been patient for such a small issue that Citi can fix for me. I complaint ********** during the past but since is Citi Bank the one I should complaint. I received a letter from Citi bank on 10/23/2023 and they state give them 15 days to investigate. So eventually waiting for their response but the problem is ** in middle of refinancing my home ! The loan officer told me I cannot get any hard pull on my credit before me I even applied for this . So Im carefully not a get any hard pull at all. when I applied for commercial business credit card at ********** I specifically told them that I dont want to use my Social Security number because I dont want to get a hard pull. I never ever put my Social security number in the credit card application except my business EIN number only. Only 2 second later I got a notification I got a hard pull from Citi Bank! My heart fall apart because Im in middle of refinancing my home and not get a hard pull. I MEAN, HOW ON EARTH CAN THEY PULL My CREDIT REPORT WITHOUT I PUT IN MY SOCIAL SECURITY NUMBER !!! The only reason Im can think of is when the first time I tired to applied for this business credit card but I had my credit freeze because I dont want to use my social security. So ********** advices me to reapply again and not to put my social security number if I want to use my businesses EIN number only. Whatever the case is the second time I applied they shouldnt pull a hard pull at all when I never put my Social security number in. It took them only 2 second to put a hard inquiry on my credit report when Im not authorized them to do so but it took them more than 2 week now can even resolve this issue and Need more time ? This is so simple just look at my application that I never put my social security in. What so hard about it . This is jeopardizing my home refinance outcome if I still have this hard inquiry . This is consider fraudulent and I could report to FTC also if this is not resolved soon.
Business Response
Date: 11/08/2023
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: 11/23/2023
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 will wait for their response again

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

Sincerely,

***** **
Initial Complaint
Date:11/08/2023
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 am not liable for this debt with Best Buy and do not have a contract with Citibank North America. They have not provided me with the original application like i asked.
Business Response
Date: 11/09/2023
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.
Customer Answer
Date: 11/28/2023
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 am asserting my rights under the **** for these items to be investigated and removed if unverifiable. Please find enclosed a copy of my identity theft report and any other supporting documents.

According to the ****, particularly under 15 USC ****i, I am *********** a reinvestigation of these items within 30 days. If the disputed information cannot be verified, it must be deleted from my file.

Furthermore, under 15 USC ****i(a)(5), if the information is found to be inaccurate, incomplete, or cannot be verified, you are required to promptly delete that item from my file.

I also wish to assert my rights under the ****, which include:
The right to have accurate and complete information in my credit report.
The right to a fair and equitable process for resolving credit disputes.
The right to have unverifiable information removed from my credit report.
Please provide written confirmation of receipt of this letter, along with an updated copy of my credit report post-investigation. I also request the names and addresses of all furnishers for information and any records pertaining to this dispute.
Thank you for your prompt attention to this matter. I expect a timely response as mandated by federal law.
In order for the BBB to appropriately process your response, you MUST answer the question above.

Sincerely,

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

Business Response
Date: 12/13/2023
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:11/06/2023
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 initiated a Balance Transfer from Citibank on Oct 1, 2023.I called several times inquiring about this transfer, including more than one week now awaiting contact by Bank Officer after escalating matter to start an investigation. I called tonight, 11/3/2023, and was placed on hold for twenty minutes. As no one returned to the call, I hung up, and then called back immediately, and requested a Supervisor. I have seen/heard zero action from Citibank as of today, Nov 3, 2023. I was told tonight that I will need to continue to wait another 72 or more hours, as no one is available all weekend, YET they had all week long to have contacted me, and chose to leave me uninformed, feeling ignored and angry.
Business Response
Date: 11/07/2023

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: 11/25/2023
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:
This has, quite possibly, been the worst form of banking, I believe, that I have ever experienced!
My Balance Transfer was canceled by Citibank in direct opposition to my requests, and/or statements.
There was ABSOLUTELY ZERO communication initiated by Citibank, to me, during this whole incident, for almost two months now, except initial confirmation of initiation of the Balance Transfer.
Citibank RESONDED to THIS COMPLAINT swiftly, THOUGH, citing some "INVALID ADDRESS" excuse, which had never been communicated whatsoever, at all, previously, by Citibank, to me!
I, however, had attempted, on multiple dates, to obtain the details, including addresses, which were being processed, and yet, I was NEVER provided an email, text, or any other hard copy which offered proof for correction, debate, changes, and/or other.
Citibank has just brought me anger, frustration, and disappointment.
They have NOT listened to me.
They have NOT given me necessary copies of forms I filled when initiating a business deal/contract, or whatever appropriate term should be inserted here.
They have hidden the relative and important details, possibly.
Or, perhaps, they have just lied?
I do NOT KNOW, because Citibank will NOT SHOW related details and/or facts involved.
They have kept it all hidden and/or inaccessible, to me.
Why?
I am SUPPOSED to be the CUSTOMER, but that is not how I feel, at all, now.
Citibank made an offer they could not process, and/or support.
I believe, that is FALSE ADVERTISING!
If Citibank believes different, then, make them disclose, or provide those proofs.
I have been, and am being disrespected by Citibank through this complaint process, and the Balance Transfer process and cancelation.
Citibank NEVER showed me any reason for NOT SUCCESSFULLY COMPLETING the Balance Transfer, until now, and yet, I inquired multiple dates about what was NOT taking place.
Dissapointedly,

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

Customer Answer
Date: 02/13/2024
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:

I began working on this email in late December, 2024, though I did not finish it, as I was awaiting your responses.

Why does it take so many weeks for you to respond? (Yet, you expect my responses in a timely manner).

December 30, 2024:

It has been 12 days since I requested the addition of my responses to the communication history. It has NOT been added.

Why not?

Someone named ******* left me a voice message today, slyly stating she was with "The Executive Response Team regarding Better Business Bureau", though, not announcing any mention of Citibank, at all.
I swiftly returned the call just 4 minutes later, yet they could not tell me why she called.
I was told ******* was not available, as she was in a meeting then, yet she never called again.

Today, December 29, 2023, I later on received an email response
from Citibank, stating: "We will no longer respond to inquiries regarding this matter."

The email received today CONFIRMS how Citibank will not communicate with care and concern for their customer, me.

Citibank refused to show me a check they supposedly issued October 3, that is until after more than 70 days transpired and complaints were filed. I called Citibank throughout October and even in November requesting to see the details associated with this Balance Transfer, namely, the check.
WebBank also requested to see proof of the check, as I had called to see if they received it yet.

After 12 days of waiting in October, I felt there was a problem, so, I needed to investigate. On October 13 I called to find out but was just told to wait a few more days.

If I NEVER had access to the Balance Transfer Request contract since it was filled on October 1, 2023, via mobile app, then how can I be responsible for any errors related, especially as I had been demanding to view the check and any associated tracking numbers or proofs?

I hold Citibank liable for any and all errors which Citibank Representatives REFUSED to show throughout October, and November, and almost until Christmas, in December of 2023.

Tired,
***********************

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

Sincerely,

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

Business Response
Date: 02/13/2024
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:11/06/2023
Type:Billing 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.
I had a checking account at ******************** (acct# ************ which was closed in May by the bank. On May 26, 2023, my employer, who is ***** sent a direct deposit of $1,700 dollars of my payroll payment to the account that was supposedly closed, but that payroll payment was supposed to be returned to **** because the account was closed. (that's what they told me when I called the bank). Now I keep calling the bank and the only thing they tell me is that the payment cannot be returned to **** or to me because that direct deposit did not have my name when my employer sent it, which is kind of stupid because it was not the first time I received a direct deposit from my employer into that account. and the account at the time it was closed was not overdrawn, so where is my money?
Business Response
Date: 11/07/2023
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: 11/23/2023
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:11/06/2023
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.
**************** is beyond poor with ********************. There's multiple issues I'm wrapping into a single complaint.Attempted to get help with closing my card out and get a new one. Employee rudely ended thr call without allowing me to ask questions. I recalled them and an employee refused to allow me to speak to a manager so I could file a complaint against them. This same employee was more interested in ignoring my questions and provided irrelevant responses. I was alerted that documents over a dispute for ***** was sent to citi however I cannot see them due to how blurry they are. I sought help through chat who gave me a number to call to request them and to file a complaint against the employee I had issues with. However the chat was erased by citi like it never occured. Attempted to call my credit card and requested a manager so I could file a complaint and a manager refused to take the call then the employee started asking questions bout a ***** dispute when I called to file a complaint against the person I spoke to back in Oct. Employee specifically asked me why I wanted a manager and I told them every time I call its a problem and wanted to cut that out.
Business Response
Date: 11/06/2023
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:11/06/2023
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 8/23/2023 we contracted an interstate moving company to move us from ** to CO. They turned out to be criminals! They committed fraud, theft, deception, larceny by trick, inducement of contract under false pretenses, coercion, extortion, violation of mutual assent, elder abuse, and conspiracy. ** Interstate and Rail, upcharged us after loading the truck! A breech of their own contract and FMCSA Violation! Then left 20 % of our possessions in the garage, stole right in front of us and held our worldly goods for ****** at the drop off. I contacted Citi Cards to dispute the charge I was forced to give on my credit card during the move. After giving Citi Cards all of the information, they refused to stand behind me and contributed to ** Interstate and Rail being paid twice the contract amount! My contract was for $7,318.38, without the charge of $6,492.29, ** Interstate and Rail received $14,806.39!! I paid them $2,343.26 and $1,780.00 ACH Debit upfront and $10,683.13 in money orders at the pick up!** Interstate and Rail owes ** every ***** over the $7,318.38 to include the items stolen, left behind and destroyed. Aprox $30,000.00 Citicards statement that they deserve to be paid is unethical because they were paid double! Citicard is backing these criminals; it is unconscionable! We have gathered many victims from around the country, and continue to grow, we are in touch with the *** and are seeking an attorney for a class action lawsuit. I need help getting Citicard to reverse the charge of $6,492.29, thank you
Business Response
Date: 11/06/2023
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: 11/16/2023
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:

[Your Answer Here]Per ***** at Citibank ************************ on 11-14-23: Citibank can no longer be of assistance in this matter and choses to side with ** Interstate and Rail!
I WILL NEVER ACCEPT YOUR RESOLUTION!!
** Interstate And Rail, LLC | Reviews | Better Business Bureau Profile (bbb.org)

These movers are professional criminals! They change location and company name every year! Please see the BBB link with victims with the same experience!

There is a growing group of victims, all of us taking every avenue to stop this group of abusive criminals! And hopefully get some of our money and possessions returned! For those who did not pay ALL of the extorted money, their possessions are being held hostage in warehouses in ****!! Our email is : **************************************

I filed a complaint with the **** 6 On Your Side ****, **** Attorney General ************
I filed a Complaint with the Federal Trade Commission Report Number: *********, and
I filed a Complaint with the ******************************************* ID# *********.
I filed a complaint with the **** *************************** case # ********
I filed a complaint with ************************************

Your letter to me dated October 26,2023 is incorrect!

The merchant HAS been over paid, even without the CITI Card Payment of $6492.29. They have been paid $14,806.39 PLUS $6492.29 = $20,298.68 for a contracted amount of $7,318.38. THEY HAVE BEEN OVER PAID $12,980.30 PLUS THEY COST US $16,525.00 IN DAMAGES PLUS ALL OF MY FAMILY PHOTO ALBUMS!!
I think your comment that they deserve to be paid is cruel because if you read what happened to my husband and myself and over 100 others, you will understand that we are VICTIMS!! Victims of abuse and extortion, Victims of theft and elder abuse, my husband is a disabled senior and had things stolen right in front of his eyes!!

Hoping for justice and decency!

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

Sincerely,

*********************
Initial Complaint
Date:11/06/2023
Type:Order 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.
iam not reliable for this debt I don't have a contract with this company or any Angency they sold my information too. they did not provide me with the original contract I requested.
Business Response
Date: 11/06/2023
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: 11/20/2023
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:

[Your Answer Here]

They sold the debt to another agency without my permission giving personal data on my to another lender I didnt do business with . And dont want to give me a ****c for selling my information. The debt was paid twice ********* and vervent not able to provide original documents to validate the debt.

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

Sincerely,

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

Customer Answer
Date: 01/10/2024
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:

I didn’t contact me

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

Sincerely,

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

Business Response
Date: 01/10/2024
We are currently working on
this exact issue from the client under BBB case ID:******** . We will continue to
investigate the customer’s concerns and will respond directly to the customer,
if applicable, via phone, email, or mail within 15 days as previously advised.
Initial Complaint
Date:11/06/2023
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.
I am not liable for this debt with citibank.i do not have a contract with citibank and they did not provide me the original contract as I requested
Business Response
Date: 11/06/2023
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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Citi is NOT a BBB Accredited Business.