Credit card -- Getting a credit card -- Complaint #17878125
Complaint Overview
Complaint ID: 17878125
Company: Citibank, N.A.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Sent card you never applied for
State: California
ZIP Code: 920XX
Date Received: 2025-11-24T12:00:00-05:00
Date Sent to Company: 2025-11-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I applied for the Citi XXXX XXXX XXXX credit card through the official XXXX website. Throughout the entire application process, the only card shown and described was the XXXX XXXX XXXX. There was no mention whatsoever of the Citi XXXX XXXX card or any alternative product. After submitting the application, I was unexpectedly approved for a different credit card, the Citi XXXX XXXX, which I did not apply for and which was never disclosed to me during the application process. This constitutes an unauthorized product substitution. I immediately contacted Citi the same day to cancel the application and prevent the incorrect card from being opened. I explained that I had applied only for the XXXX card and did not authorize or agree to the XXXX XXXX card. Citis representatives informed me that they could not stop the approval process and that I would need to wait several days before I could request the account be closed. They also stated that they could not prevent the new account or inquiry from being reported to the credit bureaus. This situation is unacceptable and feels deceptive. I did not receive clear disclosure of the actual product I was being approved for, nor did I consent to opening a Citi XXXX XXXX card. I am now at risk of negative impacts to my credit score because of an account I did not intend to open. I am requesting CFPB assistance to ensure that Citi : Immediately closes the unauthorized Citi XXXX XXXX account, Removes any credit bureau inquiry or reporting associated with this account, and Confirms that no negative credit impact will occur as a result of this incident. I have documentation of the application, the approval for the wrong card, and my calls to Citi attempting to resolve the issue. Thank you for reviewing this complaint.
Frequently Asked Questions
What is Complaint #17878125 about?
Complaint #17878125 was filed against Citibank, N.A. regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2025-11-24T12:00:00-05:00.
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.