Credit card -- Trouble using your card -- Complaint #19002696
Complaint Overview
Complaint ID: 19002696
Company: Citibank, N.A.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Account sold or transferred to another company
State: Michigan
ZIP Code: XXXXX
Date Received: 2025-12-02T12:00:00-05:00
Date Sent to Company: 2026-01-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I have been a XXXX and a credit card holder for over 35 years. I am also a member in good standing with the XXXX XXXX XXXX. For many years I had their XXXX visa credit card in good standing. I never missed a payment and was never late. Out of the blue, on XX/XX/year>, I get a letter that I have to change over to " XXXX XXXX XXXX XXXX. '' I did not ask for the change. I was commanded to look an " XXXX XXXX '' by XX/XX/year> ; and that as of that date, My XXXX visa would no longer be active. I got the credit card and began the process of activating it. It forced me to sign that I would agree to online statements ; that I would give over my private bank account number -- routing number and account number as a pre-requisite for activating the card. I had {$700.00} from the visa that I needed to pay for. HOWEVER, they would not let me pay because they said " they had not linked my bank account to their business : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I looked up on AI and it said that was a very risky thing to do. One should be careful about sharing the bank routing number and account number. I am a senior citizen on a fixed income. I do not have the ability to have digital statements. I need paper statements. I called repeatedly expressing my concerns from XX/XX/year> through XX/XX/year>. I called and asked if they could activate my account so I could pay off the account and was denied that privilege. I called the XXXX XXXX XXXX and asked them to look into it. I was told many dentists were complaining. I am a senior citizen. All the money to my name is in that account. I do not think it is lawful to ask me for that secure information. I feel very vulnerable with someone I have never done business with having that information. I asked the XXXX XXXX XXXX how they would feel if that happened to them. They said they would not give out their bank information either. Finally I need paper statements because I do not have access to digital things that allow me to print statements. These are unlawful practices and I would appreciate you looking into it. XXXX is the number of the XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #19002696 about?
Complaint #19002696 was filed against Citibank, N.A. regarding Credit card specifically about Trouble using your card. It was received by the CFPB on 2025-12-02T12:00:00-05:00.
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.