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CITIBANK, N.A. Complaints

bank
● Near baseline

Citibank, N.A. is the principal U.S. banking subsidiary of Citigroup Inc., offering retail banking, credit cards, and institutional banking services. Headquartered in New York City, it traces its roots to the City Bank of New York, chartered in 1812; the Citibank name was adopted in 1976, and Citigroup was formed in 1998 through the merger of Citicorp and Travelers Group.

Contact

388 Greenwich Street, New York, NY 10013

CITIBANK, N.A. recorded 337 complaints this week, compared with an 8-week baseline average of 455.3 per week. This week was 0.7x its own 8-week baseline, a status labeled Near baseline, with top complaint products this week of Credit card (184), Credit reporting or other personal consumer reports (62), and Checking or savings account (52). 100.0% of complaints were answered on time this week. It ranked 11 of 14 among banks by spike ratio this week, compared with an average spike ratio of 0.8 across all tracked banks.

This week
337
8-week baseline avg/wk
455.3
Spike ratio
0.7x
Rank vs. category peers
11 of 14

Category average spike ratio this week (banks): 0.8x — see the full category ranking.

12-week complaint volume

Week 1 of 12: 472 Week 2 of 12: 482 Week 3 of 12: 423 Week 4 of 12: 482 Week 5 of 12: 410 Week 6 of 12: 459 Week 7 of 12: 464 Week 8 of 12: 454 Week 9 of 12: 430 Week 10 of 12: 440 Week 11 of 12: 492 Week 12 of 12: 337

Week ending 2026-06-10 through 2026-08-26 (14-day lag buffer applied).

Spike ratio across tracked runs

Run 1 of 9: 1.0x Run 2 of 9: 0.9x Run 3 of 9: 1.0x Run 4 of 9: 1.1x Run 5 of 9: 1.0x Run 6 of 9: 0.9x Run 7 of 9: 1.0x Run 8 of 9: 1.1x Run 9 of 9: 0.2x

9 recorded runs, 2026-07-14 through 2026-09-08 — this week vs. that run's own 8-week baseline each time (same spike-ratio math as above, tracked over separate runs of this site's data pipeline rather than within a single build). See How it works.

Top complaint products this week

Responsiveness & resolution this week

Answered on time
100.0%
Public response rate
0.0%

How CITIBANK, N.A.'s complaints were resolved this week:

"Public response rate" counts only complaints where CFPB asked the company to respond publicly, and measures how often it said something substantive instead of declining to comment — see How it works.

Complaints from Older American / Servicemember consumers

20.8% of CITIBANK, N.A.'s complaints this week were self-tagged by the consumer as coming from an Older American and/or Servicemember household (category average this week: 16.5%). This reflects who is filing complaints, not a finding about CITIBANK, N.A.'s conduct toward these consumers — see How it works.

What customers are saying

500 narratives, 2026-06-02 to 2026-07-01 (narrative text lags ~70 days behind the base complaint record — see How it works). Word size = relative frequency (square-root scaled, so no single word dominates).

36.8% of these narratives mention a fraud/scam-related word ("fraud", "scam", "unauthorized", "stolen", "identity theft", "phishing") — a keyword signal in consumers' own words, not a confirmed fraud finding by CFPB or CITIBANK, N.A..

creditciticardyeardisputepaymentreceivedfundsmerchantbalancetimechargeinformationclosedfraudproviderequestcomplaintservicecustomerprovidedcheckissuelettertransactioncallmaderefundcanamountdaysnumbercontactedwithoutchargesphonemoneynewregardingdue
Exact counts
#WordMentions
1credit983
2citi958
3card799
4year500
5dispute482
6payment470
7received370
8funds321
9merchant302
10balance300
11time291
12charge284
13information264
14closed261
15fraud259
16provide252
17request245
18complaint242
19service232
20customer227
21provided226
22check221
23issue219
24letter216
25transaction213
26call211
27made210
28refund206
29can200
30amount198
31days197
32number196
33contacted193
34without192
35charges192
36phone184
37money184
38new183
39regarding181
40due173

Where complaints go: product → issue → outcome

Last 90 days, 5,762 complaints. Two stages shown separately (not joined into one three-way table) because the issue→outcome counts are already combined across every product sharing that issue — see How it works.

Product → Issue

ProductIssueComplaints
Credit cardOther1,595
Credit cardProblem with a purchase shown on your statement1,169
Credit reporting or other personal consumer reportsIncorrect information on your report578
Checking or savings accountManaging an account563
Credit cardOther features, terms, or problems406
Credit reporting or other personal consumer reportsOther211
Checking or savings accountClosing an account209
Debt collectionTook or threatened to take negative or legal action203
Credit reporting or other personal consumer reportsImproper use of your report201
Debt collectionAttempts to collect debt not owed196
OtherOther169
Checking or savings accountOther148
Debt collectionOther114

Issue → Company response

IssueResponseComplaints
OtherOther2,237
Problem with a purchase shown on your statementClosed with explanation588
Problem with a purchase shown on your statementClosed with monetary relief459
Managing an accountClosed with explanation362
Incorrect information on your reportClosed with explanation310
Incorrect information on your reportClosed with non-monetary relief241
Other features, terms, or problemsClosed with explanation210
Took or threatened to take negative or legal actionClosed with non-monetary relief155
Managing an accountClosed with monetary relief129
Closing an accountClosed with explanation127
Improper use of your reportClosed with explanation120
Attempts to collect debt not owedClosed with non-monetary relief110
Other features, terms, or problemsClosed with monetary relief86
Problem with a purchase shown on your statementIn progress83
Improper use of your reportClosed with non-monetary relief76
Attempts to collect debt not owedClosed with explanation74
Other features, terms, or problemsClosed with non-monetary relief70
Closing an accountClosed with monetary relief62
Managing an accountClosed with non-monetary relief49
Took or threatened to take negative or legal actionClosed with explanation47
Other features, terms, or problemsOther40
Problem with a purchase shown on your statementOther39
Managing an accountOther23
Incorrect information on your reportIn progress17
Closing an accountClosed with non-monetary relief17
Incorrect information on your reportOther10
Attempts to collect debt not owedClosed with monetary relief6
Attempts to collect debt not owedOther6
Improper use of your reportIn progress4
Closing an accountOther3
Improper use of your reportOther1
Took or threatened to take negative or legal actionIn progress1