Credit card -- Other features, terms, or problems -- Complaint #15772364
Complaint Overview
Complaint ID: 15772364
Company: Citibank, N.A.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Problem with customer service
State: Wyoming
ZIP Code: 826XX
Date Received: 2025-09-06T12:00:00-05:00
Date Sent to Company: 2025-09-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Im filing a complaint about Citibank regarding a failed balance transfer, poor customer service, and obstructed account closure. I called to initiate a balance transfer, and the representative on the phone confirmed it was successful. A week later, no record of it appeared in my account. When I called back, there was no record of the transaction at all. I was hung up on by one representative, and the next rep told me word for word You cant close your account just because you want to. I had to verify my identity multiple times, and their system is unable to send verification texts to my XXXX XXXX XXXX XXXX ( the only company Ive had this issue with ), so Im now waiting 710 business days for a physical letter just to close my own account. After I mentioned legal action, the tone changed and they finally began processing the closure. This entire experience has been exhausting, with repeated runarounds and dismissive, heavily scripted offshore phone support. It seems clear Citi is counting on customers giving up rather than standing up for themselves. Im asking for this to be reviewed and for Citi to be held accountable for misleading service and blocking lawful account closure without proper cause. Thank you for your time.
Frequently Asked Questions
What is Complaint #15772364 about?
Complaint #15772364 was filed against Citibank, N.A. regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2025-09-06T12:00:00-05:00.
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.