Credit cards
Citibank: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 2,610
- Closed with money back
- 15%
- 2023 to 2025
- 636 to 1,133
Servicemembers filed 5.9% of Citibank's 44,224 complaints in the window, against 2.5% across the directory. The complaints are mostly about credit card, and the single most common issue is "Problem with a purchase shown on your statement". 15% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 636 in 2023 to 1,133 in 2025.
What the complaints are about
By product
| Credit card | 1,099 |
| Credit reporting or other personal consumer reports | 508 |
| Checking or savings account | 385 |
| Debt collection | 239 |
| Credit card or prepaid card | 187 |
By issue
| Problem with a purchase shown on your statement | 375 |
| Incorrect information on your report | 349 |
| Managing an account | 223 |
| Improper use of your report | 216 |
| Fees or interest | 192 |
| 2023: 636 | 2024: 841 | 2025: 1,133 |
Which accounts, specifically
| General-purpose credit card or charge card | 1,434 |
| Credit reporting | 698 |
| Store credit card | 488 |
| Checking account | 385 |
| Credit card debt | 225 |
What went wrong, specifically
| Credit card company isn't resolving a dispute about a purchase on your statement | 461 |
| Card was charged for something you did not purchase with the card | 157 |
| Company closed your account | 146 |
| Problem during payment process | 132 |
| Information belongs to someone else | 126 |
Busiest month: July 2025, with 160 servicemember complaints. Most were submitted by web.
Most complaints came from CA (318), TX (268), FL (257) , then GA, NY, VA.
How Citibank answered
| Closed with explanation | 1,434 | 55% |
| Closed with non-monetary relief | 773 | 30% |
| Closed with monetary relief | 403 | 15% |
Citibank responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company has responded to the consumer and the CFPB and chooses not to provide a public response" (2,579). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Credit card; Trouble using your card. AZ, 2024-09-02. Outcome: Closed with non-monetary relief. Complaint 9993168
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Credit card; Problem with a company's investigation into an existing problem. CO, 2024-09-01. Outcome: Closed with explanation. Complaint 9987565
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Credit card; Advertising and marketing, including promotional offers. VT, 2024-08-29. Outcome: Closed with monetary relief. Complaint 9984821
If this is your problem at Citibank
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page. This site's verified guide to the company's own military policies: Citi Military Benefits: SCRA 6% Cap, Not the 0% Myth.
Compare with credit cards peers
- Synchrony 2,400 servicemember complaints; 11% with money back
- American Express 1,786 servicemember complaints; 19% with money back
- Capital One 4,581 servicemember complaints; 4% with money back
- Bread Financial 1,318 servicemember complaints; 24% with money back
- Goldman Sachs Bank (Apple Card) 771 servicemember complaints; 16% with money back
Next in the directory by volume: Bank of America.
Frequently asked questions
How many complaints did servicemembers file against Citibank?
2,610 complaints tagged servicemember were received by the CFPB about CITIBANK, N.A. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 636 in 2023 to 1,133 in 2025.
What do servicemembers complain about most at Citibank?
Credit card accounts for 1,099 of the 2,610 complaints, and the most common issue is "Problem with a purchase shown on your statement" (375). Next: "Incorrect information on your report" (349).
Does Citibank give money back when a servicemember complains?
15% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 773 closed with non-monetary relief and 1,434 closed with an explanation only. Citibank answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.