Citibank, National Association Corporate Headquarters Address, Hours, Ratings,

Citibank, National Association Reviews, Branches, and Financial Information

Citibank, National Association Overview

Bank's Headquarters:
5800 S Corporate Pl
Sioux Falls, South Dakota 57108

Established:
06/16/1812

Became FDIC Insured:
01/01/1934

Corporate Website:

www.citibank.com

Corporate Structure

Number of Branches:
954

US Bank Branches:
673

Foreign Offices:
281

Bank Class:
Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC).

Last Structure Change:
08/31/2022

Bank Specialty/Focus:
International Specialization

Bank Holding Company:
CITIGROUP INC

Parent FDIC Cert#:
NA - Not listed as a child of a larger bank.

SAIF Insured:
No

State Chartered:
No

Financial Snapshot (updated periodically)

Assets:
$1714474000

Deposits:
$1335154000

Deposits Held Domestically:
$745159000

Equity Capital:
$162330000

Net Income:
$12581000

FDIC Oversight

FDIC Region:
11

FDIC Supervisory Region:
Kansas City

Federal Reserve District:
Washington

FDIC Field Office:
Sioux Falls

Regulator:
OCC

Citibank, National Association Complaints

Complaint ID: 3174230

Product: Credit card or prepaid card

Sub-Product: Store credit card

Issue: Fees or interest

Subissue: Problem with fees

Company: CITIBANK, N.A.

Complaint: I have requested now 3 times with Citibank to change my billing due date to the beginning of the month. I was told it takes 2 to 3 billing cycles to take effect. I made my payments well before the cited due date on each bill around the 5th of every month. After a few months and no due date change I contacted Citibank a second time and was told there was no note on my account that I had requested it. So they again told me the same thing that it would take 2 to 3 billing cycles to take effect and cancelled only one of the late fees they charged me, this was in XX/XX/XXXX. I called again today XX/XX/XXXX. Again was told the same thing there was no notation on my account for such a request and I had been charged a late fee ranging from {$27.00} to {$38.00} every month since XXXX ( that was as far back as they could see due to archiving ). When I spoke to a manager ( XXXX ) she was said there was not a note at first, then somehow found a note on my account from my call in XXXX. She stated the note indicated that I requested a due date change but they were unable to do it due to terms being changed at that time. I was NOT told this by the person I spoke to in XXXX. I have been charged a late fee every month for the last year because they failed to comply with my request to change my due date and failed to notify me that they were unable to do it. I have made a payment every month some doubled up because of the bills I received with different amounts due. I was again told that she could not change the due date for my account. I find this incredibly hard to believe that in this day of technology they can't change a simple due date for an account. She also stated she was not authorized to waive more than one late fee per year. This seems like a simple request that has been ignored now three times, and a failure to properly note my account when I call their customer service center. In the interest of complete transparency there are XXXXwo instances where I made two payments in one month ( on separate dates ) to try and follow their sloppy billing notices so I understand the late fees there although it still was NOT my fault they failed to change the due date/billing cycle. I was told I can call back in XXXX to request it again. It's simply ridiculous.

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Complaint ID: 3507554

Product: Money transfer, virtual currency, or money service

Sub-Product: Domestic (US) money transfer

Issue: Fraud or scam

Subissue:

Company: CITIBANK, N.A.

Complaint: In XX/XX/XXXX, I noticed that there were 4 unauthorized ACH withdrawals from my money market savings account at Citibank, totaling {$19000.00}. The withdrawals occurred between XXXX. I notified the bank of these unauthorized transactions as soon as I noticed them and they provisionally credited the account on XX/XX/XXXX. However, on XX/XX/XXXX they deducted the provisional credit from my account because they " received confirmation from the originating banks that the transactions were appropriately applied to your account. '' They provided me with records of authorization from XXXX XXXX, where I found out an account was opened using my information and the money was transferred into the account at XXXX XXXX. Customer services representatives at Citibank advised me to contact XXXX XXXX and obtain documentation that the account was fraudulent. This was difficult, considering there were no branches of the bank near where I reside and XXXX XXXX would not allow me to close the account by phone, because they had to verify my identity in person. On XX/XX/XXXX I opened up a second case to return my money, and on XXXX they responded : Based on the information you provided and our second review of your claim, we maintain our position to deny your claim and consider this matter closed. On XX/XX/XXXX I filed a police report at XXXX XXXX in XXXX of grand larceny. The investigator assigned to my case informed me that this would be a low priority case and I have not heard from him with any updates. On XX/XX/XXXX I opened up a new dispute with Citibank. On XX/XX/XXXX, this claim was denied, as they stated " Due to the limited time-frame that banks are allowed to return these types of transactions, we are unable to return these items. However, we previously contacted the originator of these transactions to try to recover these funds. The documentation returned to us from the originating bank confirmed your authorization. '' In the middle of XXXX, I finally made the trip to a XXXX XXXX branch and began the process of closing the account. I followed up several times with XXXX XXXX Office of the Chairman and Identity Theft departments, who told me that they were backlogged and it would take a while for my case to be reviewed. On XX/XX/XXXX XXXX XXXX sent me a letter confirming that the account was unauthorized and closed the account. They sent the letter to the wrong address, but I finally received it at the end of XXXX. On XX/XX/XXXX, I opened up a new case in order to provide the documentation I received from XXXX XXXX. Citibank told me to fax the document, and I did but they told me they didnt receive it. Then they told me to email the document to DC.disputes, and again when I called to confirm they said they didnt receive it, and the customer service agent suggested it was because I didnt include my account #. So I resent the email with account number and I requested for them to put a note on the dispute to wait to review the case until I sent in the documents. On XX/XX/XXXX, I went to a Citibank branch and had them fax all of my documents and proof to the attention of billing disputes, as was instructed to me. However on XX/XX/XXXX, I received communication from Citibank that my case was resolved, with no other information. When I called Citibank, they informed me that he case was closed not in your favor, and they had not received any of the documents I sent. She said there was no information about why my claim was denied and told me that I should contact XXXX XXXX, as the case was closed and there was nothing she could do for me. On XX/XX/XXXX, I spoke to XXXX at XXXX XXXX, who is the manager of the identity theft unit at XXXX XXXX. She was the first helpful person in the long process and explained that Citibank seems to wrongly have classified my claims as ACH disputes, when in reality they are online billing disputes. She said that they have had many similar fraud cases with Citibank and that Citibank needs to file an R10 - through Fiserve- so that it will appear on the suspension and return code. She stated this may also be called an EWF or compass return form. If they do this she explained that XXXX XXXX will return the money. I am extremely frustrated that Citibank has given me so much misleading and confusing information and was classifying my claim incorrectly the whole time. They clearly did not understand the nature of the fraud and have been completely unhelpful. I need to speak to someone at Citibank who is knowledgeable about my particular situation who can escalate it appropriately. This is a lot of money and I need it back as soon as possible.

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Complaint ID: 3176748

Product: Checking or savings account

Sub-Product: Savings account

Issue: Managing an account

Subissue: Problem accessing account

Company: CITIBANK, N.A.

Complaint: On XX/XX/XXXX, I opened an Accelerate Savings Account with Citibank, and on XX/XX/XXXX transferred {$50000.00} into the account. Since then, I have encountered a series of roadblocks that continue to prevent me from gaining access to the funds, both online and through over 10 hours on the phone with customer service. I now believe that a fraud is being conducted, based on the bank 's refusal to escalate the problems.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Citibank, National Association Reviews and Ratings

Average Customer Rating

2.5 out of 5 stars from 45 reviews.

7213-Citibank

Reviews

Reviewed on December 01 2022 by Jim R

I opened an Accelerated Savings Account with a transfer of $100,000.00 from my primary financial institution. I wired an additional $15,000.00 in March 2022. In November 2022, I attempt to transfer an additional $85,000.00 to Citibank from my primary financial institution. The wire transfer was denied due to Citibank's input of the wrong account number. I tried to link several external financial institutions to perform the transfer. My Citibank Account will not permit me to link any outside institutions with my account. I am unable to wire money to, or from this account. I contacted customer support who was unable to correct the problem. Their solution was to send me a check that would take fifteen business days or three calendar weeks. I will lose days of interest due to the inability of Citibank to address their software problems which are due to a platform change in 2022.

Reviewed on June 21 2022 by Jim C

horrible customer service. website useless. staff incompetent.

Reviewed on April 28 2022 by john A

they cheat and never want to clear up their mistake (fraud) /

Reviewed on January 09 2022 by Laurence C

The Citibank Mastercard Customer Service Disputes Department refuses to accept my evidence for reversing charges to provide a refund that is contractually due to me as a result of a written cancellation notice I provided to a merchant, Progressive Van Lines, of Boynton Beach, Florida. THE MERCHANT PROVIDED NO SERVICES TO ME WHATSOEVER, HAVING GENERATED ONLY A CONTRACT FORM. In addition to the proof I provided, I claim that failure of the merchant to further contact the bank and failure of the bank to further contact the merchant over this customer dispute is grounds for an automatic reversal of the charges as a credit to my Mastercard account. The merchant has clearly dishonored and violated the contract reviewed by Citibank. I now hold Citibank ultimately responsible for enabling my substantial monetary (not to mention time spent) loss. Furthermore, Mastercard guidelines apparently provide an open door through which dishonest merchants, simply by not responding, or by using automated cancellation responses only, can openly violate contracts and steal customers’ money through credit card transactions without fear of loss to the Citibank Mastercard’s dispute process.

Reviewed on November 17 2021 by john f

citi policies and actions are lame, stupid and inadequate

Reviewed on September 06 2021 by R N

Citi online credit card account

Reviewed on June 27 2021 by Lora S

It is so unsatisfied,

Reviewed on May 11 2021 by Chuck h

Claiming accounts and personal asset information to all other banks associated data.

Reviewed on March 08 2021 by Joseph h

Citi Bank is the worst bank I've ever had. I was blocked out of online banling and they could not verify mem. They kept asking to trxt or call me on a verified number. I continued for weeks to give them my phone number that was on my account and had been there since account opening. And they would not verify me no otther way.. I could not and still can't access my account

Reviewed on February 01 2021 by Blank

This is a bad as. Bank closed my account without telling me why not giving my funds til 2months later don’t bank here with them

Reviewed on January 07 2021 by EVAGELINA P

I find that the service is not at all helpful even on the Chat. No matter what I attempted to do to circumvent the account being levied an exorbitant overdraft fee. I thought this issue was resolved, well at least I was lied to and told it was resolved and the next thing I see is these fees and in one day, the cost doubled. There is no way I will ever be able to pay this so when I requested this account be closed, I find that Citibank would rather take every dime I will get from my fixed income. By the time social security deposits my next disability stipend I will be left with $0.00 to pay stupid things like rent.

Reviewed on January 05 2021 by Alison F

On 12/2/2020, I opened up a checking account in the amount of $6000 and a savings account in the amount of $9000 after responding to a promotion from Citibank of a $400 bonus to open the accounts. On 12/19/2020, I was horrified to discover both of my accounts were at a $0 balance as of 12/10/2020. I called Citibank numerous times, whereupon I was either given the runaround, provided no information, or hung up on. On 12/4/2021, I was finally told by Roland, a fraud specialist, that an individual posing as me walked into a Citibank branch in another state (I live in Texas, where there are no branch locations), and claimed identify theft. Citibank claims they verified the identify of this person, although no one called, texted or emailed me to question my whereabouts, and gave this person my $15,000. You would assume the first red flag was that this person did not live in Texas, where I reside!! It is my firm belief that this fraud was orchestrated and carried out by a Citibank employee along with one or more accomplices.

Reviewed on January 04 2021 by Lucylle W

After missing one payment (approx. $300 because the statement was lost in the mail) Citibank has called my 93 year old mother iman average of 6 times a day and denied her card. We have called Citi bank, sent them the check and they say there is nothing they can do to stop these harassing calls. I have spoken to three levels of employees and still they are unable and unwilling to help.

Reviewed on November 09 2020 by Vernon E

I have been on the phone for hours.. I am trying to get my account closed in Manhattan and the funds wired to my Savannah Bank in Waterloo New York... But All I get is a run around and robotic lip service. HELP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Reviewed on September 23 2020 by Candace G

Never will open a account with this bank

Reviewed on August 25 2020 by Marcia B

Unacceptable business 0 stars

Reviewed on August 14 2020 by Uriah N

One of the worse banks I've had personally speaking. Wouldn't rate them one star

Reviewed on August 13 2020 by darrel w

Absolutely TERRIBLE customer service

Reviewed on August 07 2020 by Tasia B

They suck. Cant get anything resolved, accounts stay frozen, and they take your hard earned money

Reviewed on June 30 2020 by Brittany B

I am completely disgusted with the way CitiBank is handing my situation....
I am the provider of 4 children. Their father is not in the picture and I have no help at all.. Therefore, I have been providing a home, food and shelter for them on one paycheck...
on June 26, 2020, I was trying to get a loan from Cash Advance America. They deposited $757.00 into my account and I was supposed to let it deposit and send it back to them to verify that it was truly me. Well, then I couldn’t get into my account and I contacted customer service. I was informed that my account was in closure mode and there is nothing I can do about the money that was already in the account that was mine and long I have to wait until my check comes in the mail. I think it’s completely wrong and I am being punished for a scam that I had no idea about.
Citi bank is the only bank account that all my money goes into

Reviewed on June 30 2020 by Brittany B

Reviewed on June 26 2020 by Cody B

Best Buy Citibank VISA customer service is terrible! They lie and rip people off! Couldn’t get help for three months. Would call and get “all lines are busy. Please try again later” and then click! When I finally got someone and asked for help they said can’t help needed to talk to someone at that time. Told them I couldn’t get anyone. I was then told they were there answering phones.

Reviewed on June 09 2020 by Joanie

I don't understand why there is only 2 tellers at all times at the branch on Devonshire and Mason.. and then hours have been shortened.

Reviewed on April 14 2020 by Kimberly F

I WOULD GIVE ZERO STARS IF I COULD. My account was flagged to close due to suspicious checks. My husband’s job sent two paper checks before Direct deposit kicked in. I received a letter saying my account would be closed. After they locked my account they forced my husbands Direct Deposit into the account and are now holding our money from us! These checks were 100% legit. One rep that I spoke to said “Ma’am, we have cashed many checks from this bank (Bank of America) and they have never looked like these. That is a LIE. The company my husband works for has 7,000 employees and none of them have ever had an issue. Now they are holding THOUSANDS of dollars from me and my family for no reason. This is unethical. Unacceptable.

Reviewed on April 14 2020 by Karen-Marie W

Can not get a human on the phone. Can not download a transaction report. Phones roll over to call center regardless of time of day. Hold time for cal center is HOURS long.

Reviewed on February 21 2020 by na W

It's too difficult to file fraoud charges, total waster of time with unreasonable, illogical people who's not making sense on the status and use lame excuse not to help customer and shouldn't record useless things from a long time ago that has nothing to do with the current case, I got very frustrated, sent 3 letters, bunch of emails with police report, evidence and got extrememly frustrated for such a small amount of disput.

Reviewed on February 20 2020 by Kim W

I have had the honor of holding your citibank/sears card for 30 years. Being at the age I'm at and not being able to get my balance down even at paying more every month, I took out a loan to get my cards paid off. Your company offered a 61 dollar reduction with payment in full. No longer a HONORED card holder and I will smear your company's name any chance I get. Oh I forgot no customer appreciation. 30 years! Amazons next. You guys are nothing but political amimals No values no morals.
THANKS ALOT.

Reviewed on February 06 2020 by Barbara J

Horrible Customer Service

Reviewed on February 06 2020 by Barbara J

Horrible Customer Service

Reviewed on January 06 2020 by Phyllis g

Citibank personnel and supervisors do not the cash rewards policies.they have caused me hours of wasted phone time and made multiple mistakes causing me tremendous stress that is ongoing.as soon as I look at the 2020 credit card offers I’ll be cancelling my credit card.incredible incompetence top to bottom.

Reviewed on January 06 2020 by Phyllis g

Reviewed on December 20 2019 by frances R

Terrible, denied access to my account for 3 weeks

Reviewed on November 24 2019 by robert g

weak management, deplorable customer service

Reviewed on October 07 2019 by john c

worst customer service of any company and worst bank in general i ever experienced can never get a person on the phone... on hold hours..avoid at all costs... so far 21 calls each one lasting hours and not one real person answers except those that are in foreign countries that cannot help me...so i have been transferred dozens and dozens of time.... put in my personal info over 35 times and still never talked to one real person.... the computer just says...sorry for the wait... someone will be here to help soon..... yes maybe in 2025 perhaps ...update 14 days later still never got any help... no one at the customer service centers know anything about anything.... then say go to a branch in person...which i have done now 24 times wasting so many days...and guess what...they say call corporate office...which is IMPOSSIBLE...YOU TRY IT....

Reviewed on September 16 2019 by Hope L

HORRIBLE!!!

Reviewed on September 16 2019 by Linda

I have had an account with Citibank for almost 5 years and I've never been late or missed a payment. I am not rich but I just paid off 11 accounts and I was planning to pay off Citibank within the next 18 months. Citibank lowered my credit limit. I have never had that to happen to me. Maybe you're too successful and don't want my business. I am a hard working, honest and loyal customer. I will let my family and friend know of my experience. I have worked in many overseas countries and no company has ever treated me so harshly.

Reviewed on September 12 2019 by Beth B

If I could give a zero star I would. Do not use this Bank! I opened a savings account two months ago. I submitted all the requested documentation. Transferred a significant amount of money to the account and have not been able to access my money for the past two months. Each time I have called their customer service I confirm they have all the necessary documents and they tell me they will escalate the situation and I will hear back in 48 hours. Never have they contacted me. Every time I contact them I get the same run around and no one can give me access to my money. What a nightmare, and seemingly illegal tie up of my money. VERY VERY dissatisfied beware and do not use them for anything!!!

Reviewed on May 09 2019 by Carol J

The first 3 involvements with this 'bank' should have taught me....but I went for a 4th through Best Buy. Between payments posted late, payments reported as not received, and other assorted complications with my payments being posted, my Very Good Credit Rating is failing. Customer service reps are very good at double talk, and turning their errors around to be yours ( the customer). Whether you pay in the store or mail it in, dealing with CITIBANK is a pain in the backside. If you can do business with anyother one …..do so, save yourself some late fees and no payment that you don 't deserve, and headaches that you don't need.

Reviewed on April 09 2019 by M.M.McKasy

I had a Citibank credit card that was for my Best Buy account. January 2016 I purchased a television that only works for one day. Which just happened to be the day before Super Bowl Sunday. The television was returned . It has been three years that I have been fighting for my refund. I responded to a letter and they just put it back in the “to be investigated“ pile.. Promising to be back with me within 60 to 90 days. They want proof of return for the television that they came and picked up from my home. Until they get that proof they want to return my refund. How’s that for Customer Service? Way too many hours invested. Valuable time missed with my children that I can’t get back, and now I am in such a financial struggle which was a domino effect caused by Citibank. I’ve been a homeowner for just under 30 years and am now awaiting the procedures for foreclosure to begin Thanks, Citibank. Do you have a roof that me and my kids can stay

Reviewed on December 28 2018 by ketsha L

NOT HAPPY

Reviewed on December 03 2018 by David C

Lack of training for Local branch staff, horrible customer services even from staff supervisors. Every time I call customer services, the waiting time is over 30 minutes. I have spent over one month now try to get a resolution on the issue, as of today I am still waiting. I won’t do business with Citi again, never again.

Reviewed on November 22 2018 by Virginia A

I would give them less then 1 star if I could,but they closed my account with no warning.I thought their fraud division was suppose to contact you about a suspicious check,not just say we are closing your account because of a check I thought was good.They need to be retained and the ones that don't contact you should be fired

Reviewed on June 28 2018 by Stephanie A

My money

Reviewed on June 15 2018 by Cheryl

anything but good!I have had my accounts since 1973 when it was Brentwood Savings and Loan. Citibank merged or bought it out and it has gone down hill since then. For the last 5 years I have received letters regarding additional information needed as my account has suddenly become uncertified? I have personally delivered these signed documents 3 times now to the Covina California office, and Glendora California. I am now on the phone for the 9th time trying to straighten out something that this incompetant financial institution has created but has no idea why? I have spoken to 3 different phillipino idiots who after reading from a script, have no idea what I am talking about not why they sent me a letter. I will call corporate next and then close my accounts.

Reviewed on April 20 2018 by Lizabeth R

I will never recommend CITI Group for any business related transactions. My business had a CITI Business MasterCard/AAdvantage Platinum MasterCard and even that the card was active and paid off CITI was constantly declining transactions for any amount over $1,000 and putting a THEFT ALLERT on the account. Transactions were conducted personally at recognized retailers. After calling more than 5 times to the customer services department and get threated as a thieve CITI gave me very hard time to cancelled the credit card. Representatives constantly hanged up the phones when too many questions were asked. I called the corporate office and they left me on hold for more than 5 minutes to speak with a supervisor and the person never came to the phone. The bottom line is that CITI Group is not for business owners. I will regret every day applying for this credit card.

Citibank, National Association

Citibank, National Association Reviews, Branches, and Financial Information

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