How to Stop Citibank Phone Harassment
Is Citibank calling you ceaselessly? Are you tired of Citibank Phone Harassment? Wish there was a way to make the calls stop? Many consumers report being called repeatedly by Citibank, which can feel harassing and may violate your legal rights. Citibank is allowed to call you but they are not allowed to harass you. Congress enacted the Telephone Consumer Protection Act, (TCPA) to stop harassing phone calls from companies like Citibank. The TCPA requires in many cases that the offending companies pay damages to those they harassed. It is important to be aware of your rights under the TCPA when dealing with unwanted or harassing phone calls.
Who Is Citibank?
Citibank debt collection agency, which is part of Citigroup, issues store-issued credit cards from companies such as Costco, ExxonMobil, Shell Oil, Staples, Inc., and The Home Depot. Citibank is one of the largest businesses in the world, employing thousands of employees across its global operations. In 2016, as part of an agreement with the Federal Government’s, Citibank agreed to consumer relief in the amount of nearly $16 million as well as to forgo collecting debt held by nearly 7,000 cardholders valued at roughly $34 million dollars. The CFPB ordered Citibank to take corrective action through a consent order, and the agreement included a settlement to resolve the enforcement actions that were commenced by the CFPB. However, as part of the agreement, Citibank did not admit or deny any of the allegations in the two actions.
Citi bank contact:
Citibank 399 Park Ave New York, NY 10022-4614 Telephone: (212) 559-1000
Fax Numbers: (646) 862-9780 & (423) 477-6557
Citibank credit cards
- Citi reward master card
If you’re new to Citibank credit cards, this is a good recommendation for you, because it teaches you how to use Citibank credit cards in general and how credit cards function. It teaches you things like what happens to the credit card company when you spend money, or when you have to pay up a bill and you don’t. You have to put in a minimum of $200 deposit. You are funding this card with your own money. So when you have to pay back and you fail to, it’s your money that’s lost. It is wise to use this card for a couple of months before moving on to a starter card. The Citi reward MasterCard allows you to earn points that do not expire. Customers earn 1 point for every P30 spend anywhere including on food delivery and online shopping. What’s more? You earn 3X points when you shop and dine. Points can be used anywhere.
- Citi double cash card
This Citibank credit card gives you 2% on every single purchase that you make no matter what it is, and unlimited 1% cashback when you buy, plus an additional 1% as you pay for those purchases. This comes in handy when you want to spend on bills that aren’t covered by category. This card also gives 0 APR for balance transfers. It is important to understand the annual percentage rate (APR), as federal law requires transparency and compliance with the Truth in Lending Act to ensure customers are properly informed about interest rates and any changes. You have to pay at least the minimum due on time to earn cashback, Plus there are no categories to track, no caps on cashback, and no annual fee.
- Citibusiness / AAdvantage Platinum Select MasterCard
This is a small business Citibank credit card that allows you to earn 65,000 American Airlines Advantage bonus miles after spending $4,000 in purchases within 4 months of account opening.
It has a purchase rate of 15.99% – 24.99% variable APR, based on your creditworthiness. Understanding the annual percentage rate is crucial, as regulations require clear disclosure of rates and any changes to protect consumers. And an annual fee of $99 after the first year.
- Costco Anywhere Visa® Business Card by Citi
This is a Costco Citi card designed solely for Costco members. With a purchase rate that is 15.24% variable APR1 and no Annual fee with your paid Costco membership1. Knowing your annual percentage rate is important, as federal law mandates that lenders provide transparent information about interest rates and comply with consumer protection regulations.
- The Citi Rewards+ card
This is one of the Citi cards that allows you to maximize your everyday purchases. It does this by letting you earn double ThankYou® Points at the supermarket and gas stations, for the first $6,000 per year and then 1 point on all other purchases. This is an outstanding rewards credit card offered by Citi’s Bank. The Citi Rewards+℠ Card opens the door to several benefits, alongside a low introductory APR and zero dollars in annual fees. The purchase rate is 0% introductory APR for 15 months from the date of account opening; after that your variable APR for purchases will be 13.49% – 23.49% based on your creditworthiness. The balance transfer rate is 0% introductory APR for 15 months from the date of first transfer; after that your variable APR will be 13.49% – 23.49% based on your creditworthiness. You must, however, complete your balance transfer within 4 months of opening the account. You will be required to pay either $5 or 3% of the amount of each transfer made, based on which amount is greater per transaction. Always review the annual percentage rate details, as legal requirements ensure you are informed about interest rates and any changes under federal law.
- Citi Premier® Card
With this card, you earn 60,000 bonus points when you spend $4,000 within the first 3 months after you opened the account. It has a purchase rate of 15.99% – 23.99% variable APR, based on your creditworthiness1. Understanding the annual percentage rate is important, as federal regulations require lenders to provide transparent and accurate information about interest rates. The annual fee is $95
- Expedia® Rewards Card from Citi
This card is a result of a partnership between Citi and Expedia, Inc. It brings you the Expedia Rewards Card, a Citi Expedia credit card that earns points to redeem toward travel rewards. The Expedia card membership allows you to enjoy Silver status each year, alongside a full range of other Citi card benefits.
You earn 15,000 Expedia Rewards bonus points after $1,000 in purchases within 3 months of account opening. The Purchase Rate is 14.99% – 22.99% variable APR, based on your creditworthiness1 And there is no Annual Fee. Be sure to check the annual percentage rate, as federal law requires clear disclosure and compliance with consumer protection standards.
Note that the Expedia Rewards bonus points offer is not available if you have had an Expedia Rewards or Expedia Rewards Voyager account opened or closed in the past 24 months.
- Costco Anywhere Visa® Card by Citi
This is another Costco Citi card that allows you to earn cash rewards with a customized card. The Purchase Rate is 15.24% variable APR1 And there is no annual fee with your paid Cost. Understanding your annual percentage rate is essential, as regulations require lenders to inform you of interest rates and any changes in compliance with federal law.
- Expedia® Rewards Voyager Card from Citi
This card gives you premium travel rewards with an optimal Expedia credit card experience. It is as a result of a partnership between Citi and Expedia, Inc. The Expedia® Rewards Voyager card earns bonus points redeemable on Expedia.com Also enjoy Expedia Rewards Gold Status for each year of card membership. You also earn 25,000 Expedia Rewards bonus points after $2,000 in purchases within 3 months of account opening. The Purchase Rate is 13.99% – 21.99% variable APR, based on your creditworthiness1. It has an annual fee of $95. Always review the annual percentage rate, as federal law requires transparency and proper disclosure of interest rates to protect consumers.
What to do if you miss a Citi card payment
If you can help it, it is best not to miss your credit card payments especially because it has a negative effect on your credit rating. However, if it happens and you miss your Citi card payment, you will be responsible for a fee and you should act immediately to stay on top of the situation. It is also important to monitor your accounts for billing accuracy and account security, especially after a missed payment, to ensure there are no unauthorized charges or account issues.
The first step in the right direction is to call Citibank credit cards and explain to them the reason why you have missed your Citi card payment. They will let you know what options are available to you.
Is Citibank a Scam?
, Citibank debt collection agency has been in business since 1812. There have been 4,046 complaints closed in the last 3 years and 1,428 complaints closed out in the last 12 months from unsatisfied consumers with the BBB. To learn more about Citibank’s reputation and complaint history, visit the BBB site for detailed information.
Alternate Business Names:
Citi Prepaid Services Citibank Banamex USA (BUSA) Citifinancial Servicing LLC Citibank N.A. Citigroup Global Markets Holdings Inc. CitiCapital Citicorp Trust Bank CitiMortgage, Inc.
Types of Citibank Phone Harassment
There are several ways companies like Citibank harass consumers and violate the law. The TCPA limits when and how often a company like Citibank can call. The TCPA also prohibits marketers from making use of automatic dialing systems. Some of the key processes that Citibank debt collection must follow when making calls are below:
- Calls only between the hours of 8 a.m. and 9 p.m. Any call outside of these hours may be considered as part of Citibank phone harassment.
- Companies must maintain a “Do Not Call” list and follow it. Therefore not call the consumer again.
- Marketers may not send unsolicited advertisements by auto-dialer, prerecorded voice message, or fax to anyone without prior express consent.
- Customers must be provided with an option to opt-out of receiving future robocalls during a robocall. If the consumer opts-out, then the call must be disconnected right away and no future calls can be made to that number by that organization placing the call. To ensure your opt-out request is processed, you may need to complete the appropriate form as required by the company or regulatory authorities.
- A debt collector or telemarketer must identify themselves by name and reveal the identity of the person or company on whose behalf they are making the calls
What are Robocalls?
Robocalls are phone calls with prerecorded messages. This also includes unwanted text messages. To Learn More about robocalls and how you can stop them, visit the Federal Trade Commission (FTC) or the Federal Communications Commission (FCC).
For further information about the Telephone Consumer Protection Act (TCPA), you can follow this link to the official TCPA resource.
Citibank Phone Numbers
Are you a victim of Citibank Phone Harassment?
800-733-1116, 800-388-2200, 800-295-4057, 859-309-5128, 800-667-8424, 423-477-2488, 859-309-5126, 866-369-5768, 859-283-8599, 816-420-4632, 877-587-5727, 816-420-1002, 210-677-1346
These numbers are often used by creditors to collect debts, but there are legal limits on how collection calls can be made.
If you are receiving calls from any of these numbers, then you are receiving calls from a Citibank phone numberContact a legal professional right away so they can start the process to stop the Citibank phone harassment. No one should live with the harassment.
Documenting and Reporting Citibank Harassment
If you are receiving harassing phone calls from Citibank, it is crucial to document every interaction. Start by noting the date, time, and content of each call, including the name of the person who contacted you and any details about the conversation. This record-keeping can help you identify patterns of harassment and serves as valuable evidence if you decide to take further action against Citibank or any debt collectors.
When you are ready to report Citibank harassment, you have several options for immediate assistance. You can file a complaint with the Federal Trade Commission (FTC) or the (CFPB). Both agencies are dedicated to protecting consumers from unfair practices and can help you stop the harassment. Additionally, reporting your experience to the Better Business Bureau (BBB) can alert other consumers and put additional pressure on Citibank to address your concerns.
If you need legal guidance, consider contacting a law firm that specializes in Telephone Consumer Protection Act (TCPA) cases. Many firms offer a free consultation to review your situation and explain your rights. Under the TCPA, debt collectors and companies like Citibank must obtain your consent before making phone calls to your cell phone. If Citibank continues to call after you have asked them to stop, you may be entitled to damages ranging from $500 to $1,500 per call.
The CFPB has previously ordered Citibank to pay millions of dollars in settlements and fees for violating consumer protection laws, including the TCPA. By documenting and reporting every harassing call, you not only protect yourself but also help hold Citibank accountable for their actions. Don’t hesitate to file a report and seek assistance—your rights as a consumer are protected by federal law.
Taking Action Against Citibank Phone Harassment
If you are a victim of Citibank phone harassment, you have the power to take action and put an end to the unwanted calls. The first step is to clearly tell Citibank to stop calling you. This can be done by sending a written cease and desist letter or by contacting their customer service department directly and requesting that all phone calls cease. Be sure to keep a copy of your correspondence and note the date you made your request.
Should Citibank continue calling after you have asked them to stop, it’s time to seek professional assistance. Reach out to a law firm experienced in handling TCPA cases. A qualified law firm can help you file a lawsuit against Citibank, pursue damages for the harassment you have endured, and even recover any same day payment fees you may have been charged as a result of their actions.
Remember, Citibank and other creditors are required by federal law—including the Telephone Consumer Protection Act, enacted by Congress—to respect your privacy and refrain from harassing phone calls. The TCPA was specifically designed to protect consumers from aggressive tactics used by companies and debt collectors, including the use of automatic dialing systems.
You can also take additional steps by visiting the Citibank website or a local branch to report the harassment and request assistance from their customer service team. If you feel your concerns are not being addressed, contact the Office of the Comptroller of the Currency (OCC) or the Federal Reserve to file a report and seek further help.
As a consumer, you have the right to be free from harassing phone calls. By taking action, you not only protect yourself but also help ensure that companies like Citibank are held accountable for their conduct. Don’t let harassment go unchecked—use the resources and legal protections available to you to stop the calls and reclaim your peace of mind.
Citibank Complaints:
The following is a sample list of Citibank Complaints that can be found on Pacer.
3:19-cv-01668-S Eskridge v. Citibank NA
1:19-cv-00872-AWI-BAM Gutierrez v. Citibank, N.A.
2:19-cv-14127-WHW-CLW CORONEL v. CITIBANK NORTH AMERICA, INC. et al
8:19-cv-01414-VMC-AAS Dukett v. Citibank, N.A. et al
3:19-cv-08149-DGC Knight v. Citibank NA
Numerous lawsuits have been filed in court against Citibank for alleged misconduct, including deceptive practices and violations of federal laws. The process of filing a lawsuit or complaint typically involves submitting legal documents to the appropriate court, which initiates formal legal proceedings. These legal actions can have significant impacts on investors and the broader financial market, as they may affect investor confidence and trust in Citibank.
CONSUMER RIGHTS LAW FIRM, PLLC
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Citi bank. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
Call us at for immediate assistance.