What is the most common complaint against Citibank, N.a.?

The most common issue consumers report about Citibank, N.a. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 12,068 complaints filed with the CFPB.

Are complaints against Citibank, N.a. increasing or decreasing?

Complaints against Citibank, N.a. have been stable. The company received 2,953 complaints in the last 12 months.

What is Citibank, N.a.'s reputation grade?

Citibank, N.a. has a reputation grade of D (score: 53.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Citibank, N.a. respond to consumer complaints?

Citibank, N.a. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 16% of cases.

In how many states does Citibank, N.a. operate?

Citibank, N.a. has received CFPB complaints from consumers in 54 states, with the most complaints from California (1,896 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Citibank, N.a. - Debt Collector Complaint Profile

CFPB complaint profile across 54 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

4,047
Took or threatened to take negative or legal action

2,211
Communication tactics

1,506
Written notification about debt

1,296
False statements or representation

1,028
Cont'd attempts collect debt not owed

944

Data updated September 2026

CFPB complaint disposition

CCDB record citibank-na Citibank, N.a.

Grade D · 12,068 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #15 · compose #3655

VOL 12,068
GRADE D
12MO 2,953
STATES 54
TIMELY 100%
DISPUTE 16%
ISSUE Attempts to collect debt n…
RANK #15
COMPOSE #3,655

Volume peers

Nearest volume peer: Synchrony Financial (12,773 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Citibank, N.a.'s 12,068 CFPB complaints sit next to Synchrony Financial on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

California is the plurality state for Citibank, N.a. (15.7%)

Volume rank #15 and composite rank #3,655 diverge by 3,640 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: California 15.7%; Mid-band (15–30%) · 54 states with ≥1 filing
Seasonal peak: 2023-04 11.5%; 8–15% band · 39 filings
Divergent corpus ranks: #15 volume; #3,655 composite; Cleanest-composite ladder is 3,640 places worse than volume

How does Citibank, N.a. compare to its peers?

How does CITIBANK, N.A. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

CITIBANK, N.A. National average

Complaints (last 12 mo)lower is better

2,953

3,164

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

16%

14%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-04 2025-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	4,047
Took or threatened to take negative or legal action	2,211
Communication tactics	1,506
Written notification about debt	1,296
False statements or representation	1,028
Cont'd attempts collect debt not owed	944
Disclosure verification of debt	515
Improper contact or sharing of info	206
Taking/threatening an illegal action	170
Threatened to contact someone or share information improperly	115

Where do complaints against Citibank, N.a. come from?

Citibank, N.a.'s own per-state count, not a national baseline.

California

1,896
Florida

1,219
Texas

1,118
New York

1,104
Georgia

640
Pennsylvania

417
Massachusetts

414
New Jersey

409

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Citibank, N.a.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 12,068.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.96420261320924%.

4 peers

Know your rights before responding to Citibank, N.a.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.