Credit card or prepaid card -- Trouble using your card -- Complaint #5266207
Complaint Overview
Complaint ID: 5266207
Company: Citibank, N.A.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: Washington
ZIP Code: 98102
Date Received: 2022-02-27T12:00:00-05:00
Date Sent to Company: 2022-02-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I attempted to make reservations for a hotel in XXXX on XX/XX/XXXX. I received a text notification that it might be fraudulent. I approved the charge and it when through. A subsequent charge was declined and I received a text I had to call to have the card reactivated ( XX/XX/XXXX ). I called XXXX times ( XX/XX/XXXX and XX/XX/XXXX ), each time being placed on hold. Once, someone picked up and told me that that they were unable to help ( XX/XX/XXXX ), then hung up before I could say anything. The other XXXX times, I was disconnected after XXXX minutes on hold with an automated message that no one was available ( XX/XX/XXXX ). I also contacted Citi via chat to have the issue addressed. They first told me that my card was working fine, gave me some misinformation about foreign transaction fees, and then told me to call the fraud line. I asked for my annual fee to be refunded as I keep this card *only* as a backup for foreign transactions, and with it being unusable and their fraud department being unreachable to resolve this, I am not receiving the service I pay for. One chat agent said they could do this if I wrote back at the right time of day, when I did that, the next agent said it was technically not possible. This wasted more of my time.
Frequently Asked Questions
What is Complaint #5266207 about?
Complaint #5266207 was filed against Citibank, N.A. regarding Credit card or prepaid card specifically about Trouble using your card. It was received by the CFPB on 2022-02-27T12:00:00-05:00.
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 or prepaid 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.