CITIBANK, N.A. Complaints
bankCitibank, 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.
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.
Category average spike ratio this week (banks): 0.8x — see the full category ranking.
12-week complaint volume
Week ending 2026-06-10 through 2026-08-26 (14-day lag buffer applied).
Spike ratio across tracked runs
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
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..
Exact counts
| # | Word | Mentions |
|---|---|---|
| 1 | credit | 983 |
| 2 | citi | 958 |
| 3 | card | 799 |
| 4 | year | 500 |
| 5 | dispute | 482 |
| 6 | payment | 470 |
| 7 | received | 370 |
| 8 | funds | 321 |
| 9 | merchant | 302 |
| 10 | balance | 300 |
| 11 | time | 291 |
| 12 | charge | 284 |
| 13 | information | 264 |
| 14 | closed | 261 |
| 15 | fraud | 259 |
| 16 | provide | 252 |
| 17 | request | 245 |
| 18 | complaint | 242 |
| 19 | service | 232 |
| 20 | customer | 227 |
| 21 | provided | 226 |
| 22 | check | 221 |
| 23 | issue | 219 |
| 24 | letter | 216 |
| 25 | transaction | 213 |
| 26 | call | 211 |
| 27 | made | 210 |
| 28 | refund | 206 |
| 29 | can | 200 |
| 30 | amount | 198 |
| 31 | days | 197 |
| 32 | number | 196 |
| 33 | contacted | 193 |
| 34 | without | 192 |
| 35 | charges | 192 |
| 36 | phone | 184 |
| 37 | money | 184 |
| 38 | new | 183 |
| 39 | regarding | 181 |
| 40 | due | 173 |
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
| Product | Issue | Complaints |
|---|---|---|
| Credit card | Other | 1,595 |
| Credit card | Problem with a purchase shown on your statement | 1,169 |
| Credit reporting or other personal consumer reports | Incorrect information on your report | 578 |
| Checking or savings account | Managing an account | 563 |
| Credit card | Other features, terms, or problems | 406 |
| Credit reporting or other personal consumer reports | Other | 211 |
| Checking or savings account | Closing an account | 209 |
| Debt collection | Took or threatened to take negative or legal action | 203 |
| Credit reporting or other personal consumer reports | Improper use of your report | 201 |
| Debt collection | Attempts to collect debt not owed | 196 |
| Other | Other | 169 |
| Checking or savings account | Other | 148 |
| Debt collection | Other | 114 |
Issue → Company response
| Issue | Response | Complaints |
|---|---|---|
| Other | Other | 2,237 |
| Problem with a purchase shown on your statement | Closed with explanation | 588 |
| Problem with a purchase shown on your statement | Closed with monetary relief | 459 |
| Managing an account | Closed with explanation | 362 |
| Incorrect information on your report | Closed with explanation | 310 |
| Incorrect information on your report | Closed with non-monetary relief | 241 |
| Other features, terms, or problems | Closed with explanation | 210 |
| Took or threatened to take negative or legal action | Closed with non-monetary relief | 155 |
| Managing an account | Closed with monetary relief | 129 |
| Closing an account | Closed with explanation | 127 |
| Improper use of your report | Closed with explanation | 120 |
| Attempts to collect debt not owed | Closed with non-monetary relief | 110 |
| Other features, terms, or problems | Closed with monetary relief | 86 |
| Problem with a purchase shown on your statement | In progress | 83 |
| Improper use of your report | Closed with non-monetary relief | 76 |
| Attempts to collect debt not owed | Closed with explanation | 74 |
| Other features, terms, or problems | Closed with non-monetary relief | 70 |
| Closing an account | Closed with monetary relief | 62 |
| Managing an account | Closed with non-monetary relief | 49 |
| Took or threatened to take negative or legal action | Closed with explanation | 47 |
| Other features, terms, or problems | Other | 40 |
| Problem with a purchase shown on your statement | Other | 39 |
| Managing an account | Other | 23 |
| Incorrect information on your report | In progress | 17 |
| Closing an account | Closed with non-monetary relief | 17 |
| Incorrect information on your report | Other | 10 |
| Attempts to collect debt not owed | Closed with monetary relief | 6 |
| Attempts to collect debt not owed | Other | 6 |
| Improper use of your report | In progress | 4 |
| Closing an account | Other | 3 |
| Improper use of your report | Other | 1 |
| Took or threatened to take negative or legal action | In progress | 1 |