Credit card -- Getting a credit card -- Complaint #13956187
Complaint Overview
Complaint ID: 13956187
Company: Citibank, N.A.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Application denied
State: Massachusetts
ZIP Code: 02151
Date Received: 2025-06-07T12:00:00-05:00
Date Sent to Company: 2025-06-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been trying to apply for years for one of your credit cards and even for your most basic card ( secured ) in addition to business ones. Every single time, I just get automatic and immediate declines by the system with no chance for any reconsideration or explanation. This seems like you just have a horrible practice of a system just declining applications for absolutely any arbitrary or insignificant reason, with a process that lacks transparency and support in every way. When I call, I'm treated so horribly each time- your employees, which sound like they're in the US/ not outsourced for the application status and recon departments, literally sound like they hate their jobs and are quasi-yelling, they talk over me, they don't listen, they just treat you like XXXX and make you feel like you mean nothing and you're just bothering them, without any efforts to look into the declines that are not my fault and are system generated. They speak with such a hostile and aggressive tone. Citi does not seem to care about existing relationships either which is surprising for a bank this size. Due to this consistently very poor client experience, I'm reconsidering the entire relationship with Citi on the banking side as well, which I've had for a while now. I am really confused why I have no chances of getting any Citi credit card at all ( even secured when I have the balances on the banking side ) and given you can see I have the most premium high-end credit cards of every major bank in the U.S. without any issues ( XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) plus Private Banking relationships with the largest bank in the world. I gave Citi many chances to try to see if they could offer something good for me and my business but so far, you don't seem to want my business at all. Additionally, I have concerns of questionable practices due to my last name being in XXXX and perhaps getting easier declines due to being XXXX, which is concerning.
Frequently Asked Questions
What is Complaint #13956187 about?
Complaint #13956187 was filed against Citibank, N.A. regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2025-06-07T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with explanation". 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.