Credit card or prepaid card -- Trouble using your card -- Complaint #7043540
Complaint Overview
Complaint ID: 7043540
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: Kentucky
ZIP Code: 42104
Date Received: 2023-05-29T12:00:00-05:00
Date Sent to Company: 2023-05-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Please see previous CFPB complaint filed against CITI BANK XXXX After a very stressful and tedious process with CITI BANK to receive a replacement on an expired credit card, CITI BANK has established a FRAUD HOLD on my account that requires me to answer many unnecessary or already document questions in order for the credit card company to approve purchases charged to my open account. One question in particular is repeatedly asked of me " Do you have a Citi Checking or Savings account? '' I am repeatedly asked for various phone numbers for verification. CITI Bank continues to discriminate against me as a customer. No one else has access to use my credit account. CITI Bank did not disclose that I would have to continuously pass through FRAUD examinations before I can use my account. This is a highly discriminatory practice. I will file a complaint with the FDIC and also write the U.S. Congress about the CITI Bank 's aggressive tactics and creating excessive, unnecessary barrier to access open credit account. Furthermore, I will begin the process of looking into a campaign to start a class action lawsuit against CITI Bank regarding it discriminatory practices towards its consumers.
Frequently Asked Questions
What is Complaint #7043540 about?
Complaint #7043540 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 2023-05-29T12:00:00-05:00.
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.