CFPB Consumer Complaint Profile
Citibank, N.a.
Behind the 129,421 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 129,421
- Total complaints
- Among the highest
- 19,901
- Last 12 months
- 99.7%
- Timely response
- Top decile
- 62
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Citibank, N.a. sits at #8, with 129,421 complaints logged. It posts a 99.7% on-time response rate, the 76th percentile among companies with 100+ complaints.
- #8
- of 3,843 companies by volume
- 99.7%
- on time (76th pctile)
- Credit card or prepa…
- most-complained product
- 62
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Citibank, N.a. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.7% Top 24% higher than 76% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 14,635 in 2024 to 19,759 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2011 | 306 |
| 2012 | 5,433 |
| 2013 | 5,878 |
| 2014 | 5,768 |
| 2015 | 6,202 |
| 2016 | 8,703 |
| 2017 | 7,193 |
| 2018 | 7,263 |
| 2019 | 7,065 |
| 2020 | 8,720 |
| 2021 | 9,315 |
| 2022 | 8,796 |
| 2023 | 9,796 |
| 2024 | 14,635 |
| 2025 | 19,759 |
| 2026year in progress | 4,589 |
Complaints by State (Top 15)
Company Responses
Citibank, N.a. Complaint Concentration Profile
Citibank, N.a. is a high-volume CFPB cohort (129,421 complaints) - enough filings to measure how concentrated the product and issue mix is, not just the headline totals. Across 116 named product lines in the stored breakdown, the leading three (Credit card or prepaid card, Credit card, Credit card) hold a 39.4% share of product-tagged complaints. The Herfindahl index on that product mix is 0.083 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Problem with a purchase shown on your statement, Managing an account, Incorrect information on your report) cover a 42.2% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (California, New York, Florida) hold a 38.3% share of state-tagged volume across 62 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 62.8% share among the 129,420 response-tagged complaints (81,304 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (19,759 complaints); the lightest year on file was 2011 (306). From 2024 to 2025, annual volume rose 35.0% (14,635 → 19,759). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for Citibank, N.a.
The CFPB Consumer Complaint Database has logged 129,421 complaints against Citibank, N.a. overall, with 19,901 of those filed in the trailing 12 months. Reports have come from consumers in 62 states and territories, making this a nationwide complaint footprint. No product draws more complaints than "Credit card or prepaid card," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Problem with a purchase shown on your statement" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, Citibank, N.a. posts a 99.7% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. The company's response carried a 19.3% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 36.6% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Citibank, N.a. have?
Citibank, N.a. has 129,421 total consumer complaints filed with the CFPB, with 19,901 filed in the last 12 months.
Does Citibank, N.a. respond to complaints on time?
Citibank, N.a.'s CFPB timely-response rate is 99.7%. This is considered excellent.
What product generates the most complaints for Citibank, N.a.?
The most complained-about product for Citibank, N.a. is "Credit card or prepaid card." You can view the full product breakdown on this page.
What is the most common complaint issue with Citibank, N.a.?
Consumers most often cite "Problem with a purchase shown on your statement" when complaining about Citibank, N.a.; the full issue list with counts is above.
How do I file a complaint against Citibank, N.a.?
You can file a complaint against Citibank, N.a. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Citibank, N.a.?
Citibank, N.a. has drawn CFPB complaints from 62 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Citibank, N.a.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (129,421 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (19.3% here).
Also handles Credit card or prepaid card
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.