Credit card -- Getting a credit card -- Complaint #10594897
Complaint Overview
Complaint ID: 10594897
Company: Citibank, N.A.
Product: Credit card
Sub-Product: Store credit card
Issue: Getting a credit card
Sub-Issue: Delay in processing application
State: Nebraska
ZIP Code: 68127
Date Received: 2024-10-27T12:00:00-05:00
Date Sent to Company: 2024-10-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I applied for a Best Buy Citicard. I was informed they needed more information. From there I and my husband spent over an hour trying to find out why they could not access my application status. I called the number on the credit inquiry. I was passed from number to number and was unable to get through the automated system. It just kept saying there was no record of my application. When someone at the first one would try to look it up, apparently there was an account in my name, but the security question answer did not match, despite it only being two names possible. ( It was the name of a pet that stated with the letter M ) I have only had two with that my entire life. Surprise! It was neither. I ended up having to call six times myself, and at one point was sent to their debt collection department. I repeatedly stated I do not have an account, I am unable to even find my application. Again I was sent to the same two numbers, one of which kicked me back to the second one I could not get through to a human on as again, there was no record of my application. During the last call I personally made, I asked for a supervisor at least 15 times, each time I was refused. When my husband finally called back he was able to get an answer. Supposedly my social security number did not match their records, despite this hard inquiry popping up on my credit report. He was able to get answers within less then 30 minutes, while I had been passed around and not listened to for over an hour at this point. I have never had this issue before. I requested they cancel the application completely as I refuse to deal with an unprofessional company, after this extremely poor experience.
Frequently Asked Questions
What is Complaint #10594897 about?
Complaint #10594897 was filed against Citibank, N.A. regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2024-10-27T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Citibank, N.A.?
Yes, visit the Citibank, N.A. company profile at readthecomplaint.com/company/citibank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.