Total CFPB complaints
11,174
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 11,174 complaints
CITIBANK, N.A. — Debt Collector Complaint Profile
CFPB complaint profile across 54 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CITIBANK, N.A.
- Attempts to collect debt not owed
Attempts to collect debt not owed
3,573 complaints
- Took or threatened to take negative or legal action 1,136
Took or threatened to take negative or legal action
1,136 complaints
- Communication tactics 1,084
Communication tactics
1,084 complaints
- Written notification about debt 857
Written notification about debt
857 complaints
- False statements or representation 854
False statements or representation
854 complaints
- Cont'd attempts collect debt not owed 789
Cont'd attempts collect debt not owed
789 complaints
D
Grade D · 56.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about CITIBANK, N.A.?
CITIBANK, N.A. has accumulated 11,174 total CFPB complaints across 54 states, with 2,503 filed in the most recent 12 months against 8,671 historical complaints before that window. The trailing-12-month volume represents 22.4% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 16% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 54 states, led by California with 1,722 and Florida with 1,128, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.1/100 places CITIBANK, N.A. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
2,503
22.4% of total history
Rising ↑
States active
54
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
16%
After company response
Reputation grade
D
56.1/100 composite
Response-quality profile
How CITIBANK, N.A. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 32.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 96.4%
Share of US states + territories with at least one filed complaint against this collector.
How does CITIBANK, N.A. compare to its peers?
CITIBANK, N.A. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed3,573 (%)
Took or threatened to take negative or legal action1,136 (%)
Communication tactics1,084 (%)
Written notification about debt857 (%)
False statements or representation854 (%)
Cont'd attempts collect debt not owed789 (%)
Disclosure verification of debt409 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 1,587 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1,354 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1,136 |
| Communication tactics | Frequent or repeated calls | 1,084 |
| Written notification about debt | Didn't receive enough information to verify debt | 857 |
| False statements or representation | Attempted to collect wrong amount | 854 |
| Attempts to collect debt not owed | Debt was paid | 632 |
| Cont'd attempts collect debt not owed | Debt is not mine | 489 |
| Disclosure verification of debt | Not given enough info to verify debt | 409 |
| Cont'd attempts collect debt not owed | Debt was paid | 300 |
Where do complaints against CITIBANK, N.A. come from?
The states where consumers have filed the most CFPB complaints against CITIBANK, N.A.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CITIBANK, N.A.
Across 54 states with at least one filing
- California
California
1,722 complaints
- Florida
Florida
1,128 complaints
- New York
New York
1,053 complaints
- Texas
Texas
974 complaints
- Georgia 601
Georgia
601 complaints
- Massachusetts 397
Massachusetts
397 complaints
- Pennsylvania 392
Pennsylvania
392 complaints
- New Jersey 383
New Jersey
383 complaints
Frequently Asked Questions
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 11,174 complaints filed with the CFPB.
Are complaints against CITIBANK, N.A. increasing or decreasing? ▼
Complaints against CITIBANK, N.A. are rising. The company received 2,503 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is CITIBANK, N.A.'s reputation grade? ▼
CITIBANK, N.A. has a reputation grade of D (score: 56.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (1,722 complaints).
What can I do if CITIBANK, N.A. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If CITIBANK, N.A. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |