Credit card or prepaid card -- Trouble using your card -- Complaint #5698468
Complaint Overview
Complaint ID: 5698468
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: Texas
ZIP Code: XXXXX
Date Received: 2022-06-22T12:00:00-05:00
Date Sent to Company: 2022-06-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
For the third time within the last few weeks, Citibank used fraud protection as a reason to prevent me from using my card to make purchases well within my established credit limit. This last time on XX/XX/2022, we had even notified Citibank that we were traveling so they would be aware. This even shows up in the app that we are on this trip. In all 3 cases, it took several phone calls to clear the fraud alert. The app asked if it was us, but didnt believe us, telling us we needed to call. Citibank is using extreme fraud protection as an excuse to prevent me from buying things at a destination store. Previously, Citibank prevented us from booking travel. In both situations, we simply used our Amex to complete the transactions. However, we missed out on additional points that we should have been able to earn.
Frequently Asked Questions
What is Complaint #5698468 about?
Complaint #5698468 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 2022-06-22T12:00:00-05:00.
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 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.