Independent profile — not affiliated with Citibank

Citibank

Citibank, N.A. is the national bank behind Citi credit cards and Citi checking and savings accounts, a subsidiary of Citigroup Inc. This page lists Citi's own contact numbers, the federal billing-dispute rule, outside complaint routes, and the regulator and court record with its status: the OCC and Federal Reserve actions of 2020 (the OCC's 2024 amendment was terminated in December 2025), CFPB orders from 2015 to 2023, a New York wire-fraud case on appeal, and a calls settlement. Counts are as displayed on October 6, 2026.

COMPLAINTS996
VERIFIED PHONE1-800-950-5114
LAST CHECKED2026-10-06
Write a Review Jump to complaints ↓
CONSUMER ALLEGATION

Complaints & Reviews on USAComplaints

996 complaints on USAComplaints, including 1 published in the last three years.

EDITORIAL

Complaint Themes

Mentions credit card add-on products such as Credit Protector, Account Care or Essentials Gold (keyword match)Mentions interest-rate increases, late fees or over-limit fees (keyword match)Mentions a mortgage, loan modification, foreclosure or refinance problem (keyword match)Mentions fraud, unauthorized charges, identity theft or a charge dispute (keyword match)Mentions debt collectors, credit reports or credit bureaus (keyword match)Mentions a payment that was not credited, posted late or applied incorrectly (keyword match)

Each tag reflects a complaint's single primary theme (not every angle it raised), and complaints outside any problem theme — a positive report, or one later retracted by its author — aren't tagged. Counts may total less than the full complaint count above.

EXTERNAL SOURCE

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

BBB: 875 reviews, 6732 complaints
CFPB: 142781 complaints
Trustpilot: 391 reviews,
VERIFIED

Contacts

VERIFIED

Locations

TypeAddress
Headquarters388 Greenwich Street New York NY 10013
Mailing addressCitibank Customer Service, P.O. Box 6500 Sioux Falls SD 57117
EDITORIAL

Citibank complaints and disputes: Citi's own channels and outside complaint routes (checked October 6, 2026)

Citi's own Contact Us page (opened October 6, 2026) lists these channels. Credit cards: general support 1-800-950-5114; Spanish-language service 1-800-947-9100; Costco Anywhere Visa 1-855-378-6467 (Costco business card 1-855-378-6468); collections servicing for cards 1-800-388-2200; TTY via 711. Checking and savings (Banking tab): Citiphone Banking 1-888-248-4226 (Spanish 1-800-360-2484). Mail: the page gives "General Correspondence: Citibank Customer Service, P.O. Box 6500, Sioux Falls, SD 57117" and, for payments, PO Box 70166, Philadelphia, PA 19176-0166 (it adds that you can also use the payment P.O. Box address from your monthly statement).

Disputing a credit card charge. The federal billing-error rule (Regulation Z, 12 CFR 1026.13, as published on the CFPB site) says a billing error notice must be "received by a creditor at the address disclosed under §1026.7(a)(9) or (b)(9) ... no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error". The same section says the creditor "shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice" and must resolve the matter "within 2 complete billing cycles (but in no event later than 90 days) after receiving a billing error notice". In practice that means sending the notice to the billing-error address printed on your statement and keeping a copy. I did not find a public Citi page that names a different dispute address, so use your statement.

Unauthorized card use. Citi's article "How to Report Credit Card Fraud" (dated December 3, 2025) tells cardholders to call the number on the card or statement, and says: "legally, you're only responsible for up to $50 in unauthorized charges. Many card issuers, including Citi, have $0 liability on unauthorized charges." The same article says to "contact your credit card issuer immediately" if you suspect fraud; that is a separate step from the written billing-error notice described above, which has its own 60-day timing under Regulation Z (the rule allows electronic notice only where the creditor has expressly agreed to accept it). Citi's online dispute center sits behind a sign-in, so its steps could not be read for this page.

If Citi does not fix it. You can file a complaint with the CFPB (the CFPB site header gives the phone number (855) 411-2372) and, because Citigroup says its nationally chartered banks including Citibank are supervised by the OCC, with the OCC. The OCC's complaint page says: "Try to resolve your issue directly with your bank first" and that it can only assist customers of banks it regulates. The CFPB complaint database is described in the complaint-record section below.

Most posts from readers on this site that are linked to this page were written between 2003 and 2013, and many concern card programs (Sears, Home Depot, BP, AT&T Universal) and former Citi lines such as CitiMortgage and CitiFinancial. Citi's 2025 Form 10-K lists Costco and American Airlines among its co-branded cards and The Home Depot, Best Buy and Macy's among its retail-services relationships; check your own statement for the issuer and the number to call.

EDITORIAL

OCC, Federal Reserve and CFPB actions involving Citibank, 2015 to 2026

OCC and Federal Reserve orders (2020 and 2024). On October 7, 2020 the OCC assessed a $400 million civil money penalty against Citibank, N.A. and issued a cease and desist order; its news release says the order requires corrective action on "risk management, data governance, and internal controls" and that the bank must seek the OCC's non-objection before significant new acquisitions. The Federal Reserve Board took a separate action against Citigroup. On July 10, 2024 the OCC amended the 2020 order and assessed a $75 million civil money penalty, saying the bank had failed to meet remediation milestones; the OCC's own order says the bank "consents to the issuance of this Consent Order". The same day the Federal Reserve fined Citigroup $60.6 million for violating its 2020 action (the Fed said the combined OCC and Fed penalties total approximately $135.6 million).

What has ended and what the filings still describe. The OCC's order dated December 11, 2025 (AA-ENF-2025-64), listed in its December 2025 enforcement release, says: "the Amendment be, and it hereby is, TERMINATED"; the order states that the amendment "supplements but does not replace the 2020 Consent Order". So the 2024 amendment (and with it the 2024 amendment's remediation terms) is no longer in force, while the OCC order of October 7, 2020 was not terminated by that document. Citigroup's 10-K for 2025 (filed February 20, 2026) and its June 30, 2026 Form 10-Q still refer to remediating the 2020 consent orders with the Federal Reserve and the OCC as part of a multiyear transformation. These orders concern risk management and data quality, not a finding about any single consumer's account.

U.K. sanctions penalty (London branch). The U.K. Office of Financial Sanctions Implementation lists a penalty dated September 2, 2026 against Citibank, N.A., London Branch of GBP 4,732,830.58, with the stated reason "Making funds available for the benefit of a designated person". It concerns that branch and U.K. sanctions regulations, not a U.S. consumer account.

CFPB orders, 2015 to 2023 (as listed on the CFPB's enforcement pages).

  • July 2015 (Docket 2015-CFPB-0015). Citibank, N.A. and its subsidiaries Department Stores National Bank and Citicorp Credit Services, Inc. (USA): the CFPB press release says roughly 7 million consumer accounts were affected by the deceptive marketing, billing and administration of debt-protection and credit-monitoring add-on products (the release names AccountCare, Balance Protector, Credit Protection, Credit Protector and Payment Safeguard, offered from at least 2003 through 2012), plus expedited-payment fees charged on nearly 1.8 million accounts; estimated $700 million in consumer relief and $35 million in civil money penalties. Status on the CFPB page: expired/terminated/dismissed.
  • February 2016 (Dockets 2016-CFPB-0003 and -0004). Two actions on debt sales and debt collection: nearly $5 million in consumer relief and a $3 million penalty for selling credit card debt with inflated interest rates and for failing to forward consumer payments promptly to debt buyers; and a second action involving two collection law firms that falsified court documents in New Jersey, in which the CFPB ordered Citibank and the law firms to comply with a court order that Citibank refund $11 million and forgo collecting about $34 million from nearly 7,000 consumers.
  • January 2017 (Docket 2017-CFPB-0005). CitiMortgage, Inc.: an estimated $17 million to compensate consumers and a $3 million civil penalty; CitiFinancial Servicing: about $4.4 million in refunds and a $4.4 million penalty. The CFPB says the servicers kept borrowers in the dark about foreclosure-avoidance options or burdened them with excessive paperwork. Status on the CFPB page: post order / post judgment.
  • November 2017 (Docket 2017-CFPB-0021). Citibank student-loan servicing: $3.75 million in redress and a $2.75 million civil money penalty (misleading borrowers about a tax deduction, incorrect late fees and interest for in-school borrowers, and other failures listed by the CFPB).
  • June 2018 (Docket 2018-BCFP-0003). Citibank failed to reevaluate and reduce the APRs on approximately 1.75 million credit card accounts as required; the consent order requires $335 million in restitution. The order says Citibank consented "without admitting or denying any of the findings of fact or conclusions of law", except for jurisdictional facts.
  • November 2023 (Docket 2023-CFPB-0013). The CFPB found Citibank violated the Equal Credit Opportunity Act by discriminating against certain credit card applicants based on national origin; $1.4 million in redress and a $24.5 million civil money penalty. The order says Citibank consented "without admitting or denying any of the findings of fact or conclusions of law", except for jurisdictional facts. On October 16, 2025 the CFPB terminated the order, noting that Citibank had paid the penalty, made the redress payments and taken steps to implement the injunctive relief.

The CFPB pages for the 2015 to 2017 actions do not state in the text I read whether the company admitted the findings; the page for each lists a stipulation document. These actions concern the practices the regulator described, not every Citi customer's experience.

EDITORIAL

Who Citibank is: Citigroup, Citibank, N.A. and related Citi names

Citigroup Inc. (Delaware; 388 Greenwich Street, New York) is the SEC registrant and the parent; the 10-K cover gives that address as the registrant's principal executive offices. Its 2025 Form 10-K says "Citigroup's history dates back to the founding of the City Bank of New York in 1812" and that Citi had approximately 226,000 full-time employees at December 31, 2025, about 31 percent of them based in the U.S. Citibank, N.A. is described in the same filing as Citigroup's national-bank subsidiary supervised by the OCC; the OCC's 2020 release places the bank in Sioux Falls, South Dakota.

The U.S. consumer business that most readers search for sits in what the 10-K calls U.S. Personal Banking, which includes Branded Cards (proprietary Citi cards plus co-branded cards including Costco and American Airlines), Retail Services (co-brand and private-label cards, among others The Home Depot, Best Buy and Macy's) and Retail Banking. The 10-K and Citi's contact page are the sources for those product names; I did not independently verify which legal entity issues each retail card. The 10-K for 2025 names The Home Depot, Best Buy and Macy's; Citigroup's third-quarter 2025 Form 10-Q glossary describes Retail Services as including The Home Depot, Best Buy, Macy's and Sears. Whatever the brand on your card, the statement shows the issuer and the number to call.

Related names that appear in older posts. CitiMortgage, Inc. and CitiFinancial Servicing, LLC were named by the CFPB in 2017 as Citi subsidiaries. Posts that name only CitiFinancial (a consumer-finance and retail-installment brand) are listed on this page as related-brand posts and are not counted as complaints about Citibank itself; Citi's own CitiFinancial page (citi.com/citifinancial-contact, opened October 6, 2026) says: "CitiFinancial exited the servicing business in 2017. CitiMortgage, Inc. or Citicorp Home Mortgage Services, Inc. are successors in interest to CitiFinancial Servicing" and the other names it lists, and gives a mailing address for CitiFinancial Servicing (PO Box 6771, Sioux Falls, SD 57117). On mortgages, Citigroup's 2016 Form 10-K says that in January 2017 Citi "signed agreements to effectively exit its U.S. mortgage servicing operations by the end of 2018", and Citi's 2018 announcement of new origination platforms describes Cenlar as "the company undertaking the servicing of Citi's owned mortgage loan portfolio". If you have an old Citi mortgage, check your latest loan statement for the servicer's name and contact details.

EDITORIAL

Complaint record: posts on this site, CFPB database, BBB and Trustpilot (as displayed October 6, 2026)

Counts below are snapshots as displayed on October 6, 2026 and are not added together, because they measure different things.

Posts on this site. 996 archive posts are linked to this page as being about Citibank, Citi cards or CitiMortgage (written mostly 2003 to 2013: 2000: 2, 2001: 2, 2002: 14, 2003: 41, 2004: 67, 2005: 42, 2006: 42, 2007: 61, 2008: 172, 2009: 136, 2010: 85, 2011: 116, 2012: 119, 2013: 90, 2014: 6, 2026: 1). A further 384 posts name CitiFinancial or related consumer-finance brands and are linked as related-brand posts, not as complaints about Citibank. The most common keyword matches among the 996 linked posts are shown under Complaint themes; they are keyword counts, not findings. These posts are unverified reader accounts.

CFPB Consumer Complaint Database (company name "CITIBANK, N.A."): 142,781 complaints received from December 1, 2011 to October 1, 2026 (the most recent complaint date shown), of which 23,395 since October 6, 2025; 142,411 were marked as timely and 370 as not timely. By product (top categories as displayed): credit card 43,184; credit card or prepaid card 25,033; checking or savings account 20,555; credit reporting 12,594; debt collection 12,536; mortgage 10,423. Company responses as displayed: closed with explanation 88,813; closed with non-monetary relief 26,169; closed with monetary relief 25,217; closed without relief 1,342; closed with relief 680; in progress 313. The CFPB announced on August 14, 2026 that it is ceasing publication of unverified complaint narratives and visualizations, and the database release notes say narratives and visualizations "have been removed from the database", so the database now shows counts and structured fields but not consumers' individual narratives. The CFPB does not verify the facts in each complaint, and the database counts are for the one company name used.

BBB (profile for Citi, 388 Greenwich St, New York): not BBB Accredited; rating D-; BBB gives as reasons "100 complaint(s) filed against business that were not resolved" and "Failure to respond to 3 complaint(s)"; 6,732 complaints in the last 3 years and 1,862 closed in the last 12 months; 1.04 out of 5 stars from 875 customer reviews. BBB says it publishes 1 out of every 5 complaints handled through its conciliation process, and the page carries a government-action alert. BBB lists CitiMortgage, Inc., Citibank N.A. and Citigroup among alternate names, so the figures cover more than the bank alone.

Trustpilot (www.citi.com): 1.1 from 391 reviews, 213 of them in the last 12 months; the profile is unclaimed and Trustpilot says the company has not invited customers to review, so reviews may not be representative.

EDITORIAL

Court cases involving Citibank: the New York wire-fraud suit, a calls settlement and interchange litigation

New York Attorney General v. Citibank, N.A. (S.D.N.Y. No. 1:24-cv-00659). The Attorney General's office filed this action on January 30, 2024, alleging that Citi failed to comply with the Electronic Funds Transfer Act and certain New York laws in its treatment of unauthorized wire transfers; it seeks an injunction, restitution, disgorgement, civil penalties and damages (Citigroup 10-K, Note 30). Citibank moved to dismiss on April 2, 2024. On January 21, 2025 the court granted the motion in part and denied it in part, holding that consumer wire transfers are covered by the EFTA. On April 22, 2025 the court certified that order for interlocutory appeal and stayed the case; the Second Circuit granted leave to appeal (docket entry dated September 17, 2025; No. 25-2105). The district docket entries I read run to July 29, 2026 and show the case still stayed. I did not find a Second Circuit decision in the sources checked on October 6, 2026, so the allegations are untested at trial and the appeal question is whether EFTA applies to those wire transfers.

Head v. Citibank, N.A. (D. Ariz. No. 3:18-cv-08189), a telephone-consumer-protection class action settled for people who received prerecorded or artificial-voice calls from Citibank on a cell phone about a past-due credit card account when they were not Citibank customers (see the case entry below for the dates and payments). The settlement website says Citibank would establish a Settlement Fund of $29.5 million, and that the court did not decide whether Citibank violated the TCPA: "Citibank denies that it violated the TCPA."

Merchant interchange litigation. Citi's June 30, 2026 Form 10-Q says that on June 9, 2026 the court granted preliminary approval of an injunctive-relief class settlement in the Visa/Mastercard interchange fee litigation (E.D.N.Y. 1:05-md-01720), with a final fairness hearing set for November 16, 2026. That litigation is brought by merchants and is not a cardholder claim.

EDITORIAL

Is Citibank Legitimate?

Citibank, N.A. is a national bank supervised by the OCC, and its parent Citigroup Inc. is an SEC registrant that files annual and quarterly reports (Form 10-K for 2025 filed February 20, 2026; Form 10-Q for the quarter ended June 30, 2026 filed August 6, 2026). The consumer-facing channels above are Citi's own published numbers and mailing addresses, and the CFPB and OCC pages above are official complaint routes.

Questions people ask about Citi usually fall into two groups: ordinary account problems (billing errors, fees, fraud claims, mortgage servicing) and the documented regulatory and court record. This page does not rate the bank. The record includes CFPB orders from 2015 to 2023 (the CFPB lists most as expired, terminated or dismissed, the 2017 mortgage action as post-order, and the 2023 order as terminated on October 16, 2025) and the OCC and Federal Reserve orders of 2020 and the 2024 amendment (the OCC terminated the 2024 amendment effective December 11, 2025, while the 2020 orders are still referred to in Citigroup's 2026 filings). Citi's own description is that remediating the 2020 consent orders is part of a multiyear transformation (Form 10-Q, June 30, 2026). BBB and Trustpilot ratings reflect the customers who chose to post and are not representative samples.

PUBLIC RECORD

Court & Public Records

CaseAuthorityDatesTypeOutcomeSource
The People of the State of New York, by Letitia James v. Citibank, N.A. (unauthorized wire transfers; Electronic Fund Transfer Act)
Docket No. 1:24-cv-00659-JPO		U.S. District Court, S.D. New York; interlocutory appeal in the U.S. Court of Appeals for the Second Circuit (No. 25-2105)FiledFiled — no final outcome recorded

The New York Attorney General alleges that Citibank failed to comply with the Electronic Funds Transfer Act and certain New York laws in its treatment of unauthorized wire transfers. On January 21, 2025 the court granted Citibank's motion to dismiss in part and denied it in part, holding that consumer wire transfers are covered by the EFTA. On April 22, 2025 the court certified the order for interlocutory appeal and stayed the case; the Second Circuit granted leave to appeal (docket entry of September 17, 2025). The district docket entries read run to July 29, 2026 and show no lifting of the stay, and no Second Circuit decision was found in the sources checked on October 6, 2026. No finding on the merits has been made.

Source
Head v. Citibank, N.A. (TCPA class action over prerecorded or artificial-voice calls to cell phones about past-due credit card accounts)
Docket No. 3:18-cv-08189-ROS		U.S. District Court, D. Arizona—SettledSettled

Class settlement for people and entities in the United States who were called by Citibank, N.A. using an artificial or prerecorded voice on a cellular telephone between August 15, 2014 and July 31, 2024 about a past-due credit card account and who were not current or former Citibank cardholders, customers or authorized users. The settlement website says Citibank would establish a Settlement Fund of $29.5 million and that the court did not decide whether Citibank violated the TCPA ("Citibank denies that it violated the TCPA."). It shows the claim deadline of December 20, 2024 has passed, and says that checks for class members who submitted a valid Form W-9 were distributed on May 27, 2025.

Source
CONSUMER ALLEGATION

Related Complaints

Names this company in a role other than the primary subject — not necessarily current or complete.

VERIFIED

Company Relationships

  • Owned by: Citigroup Inc.
  • Affiliated with: CitiMortgage, Inc.
  • Affiliated with: CitiFinancial Servicing, LLC
  • Affiliated with: Department Stores National Bank
  • Affiliated with: Citicorp Credit Services, Inc. (USA)
EDITORIAL

Frequently Asked Questions

How long do I have to dispute a Citi credit card charge?

Regulation Z's billing-error rule (12 CFR 1026.13, published on the CFPB site) says the creditor must receive the billing error notice "no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error", at the address disclosed on your statement. The creditor must acknowledge the notice within 30 days and resolve the matter within two complete billing cycles, but in no event later than 90 days after receiving the notice. Citi's contact page (October 6, 2026) lists 1-800-950-5114 for general card support, but a phone call is not the written notice the rule describes; send the notice to the address printed on your statement.

What does Citi say about liability for unauthorized card charges?

Citi's article "How to Report Credit Card Fraud" (dated December 3, 2025) says: "legally, you're only responsible for up to $50 in unauthorized charges. Many card issuers, including Citi, have $0 liability on unauthorized charges." It advises cardholders to lock the card if possible, call the issuer's customer service number, provide the date, amount and merchant, and monitor the account. Whether a specific charge is treated as fraud is decided in Citi's investigation of your account.

What phone numbers does Citi list for card and bank customers?

On its Contact Us page (opened October 6, 2026) Citi lists, for credit cards, general support 1-800-950-5114, Spanish-language service 1-800-947-9100, Costco Anywhere Visa support and servicing 1-855-378-6467, and collections servicing for cards 1-800-388-2200. For checking and savings the Banking tab lists Citiphone Banking 1-888-248-4226. The (212) 559-1000 number shown by BBB is the Citigroup registrant's telephone on its Form 10-K cover, not a customer-service line.

Where can I complain outside Citi?

The CFPB takes complaints about credit cards, bank accounts, mortgages and other consumer financial products (its site header lists (855) 411-2372). The OCC's HelpWithMyBank complaint page says it can only assist customers of national banks and federal savings associations that the OCC regulates and advises trying to resolve the issue with the bank first; Citigroup's 10-K says its nationally chartered subsidiary banks, including Citibank, are supervised by the OCC. Other agencies the OCC page lists for banks it does not regulate are the CFPB, FDIC, Federal Reserve Board and NCUA.

Are CitiMortgage and CitiFinancial the same as Citibank?

The CFPB's 2017 release describes CitiMortgage, Inc. and CitiFinancial Servicing as Citi subsidiaries, and BBB lists CitiMortgage, Inc. and Citibank N.A. as alternate names on its Citi profile. They are different legal entities from Citibank, N.A. Older posts on this site that name only CitiFinancial are shown as related-brand posts and not counted in this page's own-complaint total. Current ownership of those brands was not verified for this page, so check the name on your statement or loan documents before choosing a complaint route.

How many CFPB complaints name Citibank?

As queried on October 6, 2026, the CFPB database shows 142,781 complaints for the company name "CITIBANK, N.A." received from December 1, 2011 to October 1, 2026, with 23,395 since October 6, 2025. The CFPB does not verify the facts in complaints, and the figure covers only that company name; related Citi names may be listed separately. The breakdown by product and response type is in the complaint-record section.

What happened with the CFPB's 2023 order about credit card applicants?

On November 8, 2023 the CFPB issued a consent order finding that Citibank violated the Equal Credit Opportunity Act and Regulation B by discriminating against certain credit card applicants based on national origin, requiring $1.4 million in redress and a $24.5 million civil money penalty; the order says Citibank consented "without admitting or denying any of the findings of fact or conclusions of law". On October 16, 2025 the CFPB terminated the order, stating that Citibank had paid the penalty, made the redress payments and taken steps to implement the injunctive relief.

Is there a settlement for prerecorded Citibank calls to people who are not customers?

The Head v. Citibank, N.A. settlement covered people who received artificial- or prerecorded-voice calls from Citibank on a cell phone between August 15, 2014 and July 31, 2024 about a past-due credit card account and who were not Citibank cardholders, customers or authorized users. The settlement website says Citibank would establish a Settlement Fund of $29.5 million and that the court did not decide whether Citibank violated the TCPA ("Citibank denies that it violated the TCPA."). It shows the claim deadline of December 20, 2024 has passed and that checks to class members who submitted a valid Form W-9 were distributed on May 27, 2025. The site gives a contact page for questions about a payment.