COMPLAINTRATE›INSTITUTIONS›CITIBANK, N.A.

CITIBANK, N.A.

BANK
Data last verified: April 2026 snapshot|19 federal data sources|Methodology ›
NOT YET RATED

Not Yet Rated — insufficient data for a confidence-scored complaint rate.

CITIBANK, N.A. is tracked across 19 federal data sources but does not yet have a confidence-scored complaint rate in the current snapshot. A normalised rate requires a matched FDIC deposit denominator (or equivalent customer-count proxy) and sufficient complaint volume — this institution does not currently meet both criteria.

The complaint volume, enforcement record, and financial health indicators below reflect real federal data. Methodology expansion for non-depository institutions is rolling out in Q2 2026.

TOTAL COMPLAINTS
109,488
YOY TREND
↑ 35%
TIMELY RESPONSE
99.7%
RESOLUTION QUALITY
36/100
2 / 6 AGENCIES
Federal Consensus ScoreⓘNumber of the 6 tracked federal agencies (OCC, CFPB, Federal Reserve, FTC, DOJ, NCUA) that have independently flagged this institution with a formal enforcement action.
Complaint Coach
File with CFPB
Federal data sources
CFPBOCCFDICFTCFederal ReserveFinCENHUDDOJNCUATreasuryFFIECFHFA
Independent analysis · not affiliated with any government agency
WHAT THIS STATUS MEANS

No per-1,000-customer complaint rate is yet available for this institution.

The per-1,000-customer rate combines CFPB complaint volume with FDIC deposit data. Institutions that haven't surfaced in CFPB filings — or whose volume falls below the threshold for stable calculation — show as not yet rated. This is a data-coverage gap, not a verdict: unrated does not mean better or worse than rated peers.

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Federal source records below show what's already available for this institution. A complaint rate is computed once filing volume crosses the threshold for stable per-1,000 calculation.

Most common words in federal complaints about CITIBANK, N.A.
citineverbecausereportdisputemoneyclosedagainpayfraud
Extracted from 52,530 consumer complaint narratives · CFPB database
Complaint Profile
Total complaints (2011–2025)ⓘTotal complaints filed with the CFPB since 2011.109,488
Year-on-year changeⓘChange in complaint volume versus the prior 12 months. A rising trend is a warning sign even if the absolute level appears manageable.+35%worsening
Timely response rateⓘ% of CFPB complaints answered within the required timeframe. Below 90% indicates the institution is failing basic regulatory obligations.99.7%
Normalised complaint rate per 1,000 customers is not currently available for this institution. Methodology expansion for non-depository institutions rolling out Q2 2026.
Regulatory Enforcement Record
OCC (Office of the Comptroller)$1.0B
Federal Reserve
CFPB (Consumer Financial)
FinCEN (Anti-money laundering)
FTC (Federal Trade Commission)
HUD (Mortgage Review Board)
GSE Suspension
● Red dot = active or recent enforcement action by that federal agency. This means regulators found systemic problems serious enough to take formal action.
Financial Health Indicators
Call Report financial data not available for this institution. This data covers the 59 largest institutions in our database.
HMDA Mortgage Fair Lending· 2023
Mortgage denial rateⓘOverall mortgage application denial rate. Source: FFIEC HMDA data.6.9%
Denial rate — White applicants6.9%
Denial rate — Black applicants6.9%
Denial rate — Hispanic applicants6.9%
Racial disparity indexⓘBlack applicant denial rate divided by White applicant denial rate. 1.0 = equal treatment. Above 1.5 = significant disparity flagged in fair lending research.1.00×✓ near parity
Based on 13,595 mortgage applications· FFIEC HMDA 2023
Top Complaint Categories
Problem with a purchase shown on your statement1170%
Managing an account810%
Incorrect information on your report800%
Breakdown of complaint types filed with the CFPB by customers of this institution.
Methodological notes
Federal litigation on record via CourtListener/PACER
Institution Status
No DNA profile signals computed for this institution.
FULL DATA BREAKDOWN
TOTAL COMPLAINTS
109,488
2011–2025 · CFPB database
Source: CFPB →
TIMELY RESPONSE RATE
99.7%
Threshold: 90%+
Source: CFPB →
YEAR-ON-YEAR TRENDⓘChange in complaint volume versus the prior 12 months.
↑ 35%
Worsening trend
HMDA DENIAL RATEⓘ% of mortgage applications denied under Home Mortgage Disclosure Act data.
6.9%
Mortgage applications denied
Source: FFIEC HMDA →
RACIAL DISPARITY INDEXⓘRatio of denial rates for non-white vs white applicants.
1.00×
Non-white vs white denial ratio
Source: FFIEC HMDA →
CRA RATING
Satisfactory
Community Reinvestment Act · FFIEC
RESOLUTION QUALITY
36/100
Response quality score · CFPB
Source: CFPB →
Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›