Citibank customer service assists customers with checking and savings accounts, debit cards, credit cards, online banking, account restrictions, deposit holds, transfers, Zelle payments, fraud, disputed transactions, mortgages, small-business banking and complaints.
Citi uses separate support numbers for consumer banking, Citi credit cards, Costco cards, mortgages, small-business accounts and wealth-management relationships. Calling the department responsible for the account can help avoid unnecessary transfers.
Citibank Customer Service Help by Issue
- Checking or savings account: Call CitiPhone Banking at 1-888-248-4226.
- Citi Online or mobile-banking problem: Call 1-800-374-9700.
- Citi credit card: Call 1-800-950-5114.
- Lost or stolen debit card: Lock or report the card through Citi Online, the Citi Mobile app or CitiPhone Banking.
- Lost or stolen credit card: Use Citi’s Replacement Card Center or call the credit-card department immediately.
- Unauthorized bank transaction: Report it immediately through CitiPhone Banking and preserve the transaction details.
- Unauthorized credit-card charge: Lock the card and call Citi Card Customer Service.
- Merchant dispute: Open the transaction through the Citi account and select the available dispute option.
- Debit-card PIN problem: Change the PIN through an eligible Citi ATM, branch, Citi Online or the Citi Mobile app, or request a PIN mailer.
- Zelle problem: Call the bank-account support number and identify the payment date, recipient and amount.
- Wire-transfer concern: Contact Citibank immediately, particularly when fraud or incorrect instructions may be involved.
- Mortgage question: Call Citi Mortgage rather than ordinary banking or card support.
- Small-business account: Contact the small-business or CitiBusiness Online department.
- Unresolved complaint: Obtain a case number, ask for a supervisor and follow the bank’s formal complaint process.
How to Contact Citibank Customer Service
Consumer Banking and Online Support
Citi Credit-Card Support
Costco Anywhere Visa Support
Specialized Citi Relationships
Citi Mortgage Support
- Citi Mortgage: 1-800-248-4638, also written as 1-800-MORTGAGE
- Mortgage hours: Monday through Friday, 8 a.m. to 8:30 p.m. Eastern Time; Saturday, 9 a.m. to 6 p.m. Eastern Time
- Citi mortgage website: Citi home lending
Citi Small-Business Support
Citigroup and Citibank Corporate Addresses
Citigroup Inc. principal executive offices:
388 Greenwich Street
New York, NY 10013
Citibank, N.A. regulatory main office:
5800 S. Corporate Place
Sioux Falls, SD 57108
Citigroup is the parent financial-services company. Citibank, N.A. is its principal banking subsidiary.
Neither corporate address is the best starting point for fraud, lost cards, deposit disputes or credit-card transactions. Customers should first contact the department responsible for the account.
Citibank Checking and Savings Customer Service
Call 1-888-248-4226 for help with consumer checking and savings accounts.
Banking customer service can assist with:
- Account balances
- Pending and posted transactions
- Debit cards
- Checks and stop payments
- Direct deposits
- ACH transfers
- Wire transfers
- Zelle payments
- Deposit holds
- Monthly service fees
- Interest and tax forms
- Online account access
- Account restrictions
- Closing an account
Have the account information available, but do not provide passwords, verification codes or complete account numbers to someone who contacted you unexpectedly.
Citibank Account Fees
Fees can depend on:
- The checking or savings product
- Combined average monthly balances
- The customer’s relationship tier
- ATM usage
- Wire transfers
- Returned deposits
- Stop-payment requests
- Foreign transactions
Before contacting Citi:
- Review the current statement.
- Review the applicable fee schedule.
- Confirm the relationship tier.
- Check whether the required balance or activity was met.
- Save any promotional or account-opening terms.
Ask Citi to identify the exact account term supporting the fee.
A discretionary fee adjustment is not guaranteed.
Unexpected Monthly Service Fee
A monthly service fee may appear when:
- The combined balance fell below a required amount.
- An eligible linked account was closed or unlinked.
- A promotional waiver expired.
- The account changed products.
- The customer’s relationship tier changed.
Ask Citi to compare the current statement period with the previous period and explain which balance or eligibility requirement was not met.
Lost or Stolen Citibank Debit Card
Report a missing debit card immediately through:
- The Citi Mobile app
- Citi Online
- The telephone number printed on the back of another Citibank Banking Card
- 1-888-248-4226
Take these steps:
- Lock or report the card.
- Review pending and posted transactions.
- Report unauthorized activity.
- Change the Citi Online password.
- Secure the connected email account.
- Review saved transfer recipients and contact information.
Canceling a debit card does not automatically close the checking account.
Update recurring payments after receiving the replacement card.
Citibank Debit-Card PIN Help
A Citibank Banking Card PIN can generally be changed:
- At an eligible Citibank ATM
- At a Citibank branch
- Through Citi Online
- Through the Citi Mobile app
If the PIN cannot be changed through those methods, contact the number printed on the back of the card and ask whether Citi can issue a PIN mailer.
The PIN mailer contains a system-generated PIN that must be activated according to Citi’s instructions.
Never provide a debit-card PIN or one-time security code to a telephone caller, text sender or email correspondent.
Unauthorized Citibank Debit or Bank Transactions
Report an unauthorized transaction immediately by calling:
1-888-248-4226
Gather:
- The transaction date
- The amount
- The merchant or recipient
- Whether the transaction is pending or posted
- Whether the card remains in your possession
- Whether another authorized user could have made it
- Any related text, email or telephone message
Prompt reporting matters. Citi’s deposit-account agreement includes specific deadlines and potential liability rules for lost access devices and unauthorized electronic transfers.
Do not wait for several unauthorized transactions to appear before contacting the bank.
Bank Fraud Versus Merchant Dispute
Report possible fraud when:
- You did not authorize the transaction.
- No authorized account user made it.
- Your debit card, banking credentials or account information may have been stolen.
A merchant dispute may be more appropriate when:
- You recognize the merchant.
- You authorized the transaction.
- The amount is incorrect.
- A promised refund was not received.
- Goods or services were not provided.
Tell Citi accurately whether the transaction was unauthorized or whether the disagreement concerns the merchant’s performance.
Citibank Deposit Holds and Missing Deposits
A deposited check may be held because of:
- The check amount
- The age of the account
- Account history
- Repeated overdrafts
- Reasonable concerns that the check may not be paid
- A returned or altered check
- Emergency or system conditions
Review the deposit receipt or mobile-deposit confirmation for the expected availability date.
Ask Citibank:
- How much is available immediately
- When the remainder should become available
- Why the hold was placed
- Whether additional verification is needed
- Whether the check was returned
Funds appearing in an available balance do not always mean that a deposited check has finally cleared.
Mobile Deposit Is Missing
Keep:
- The original check
- The mobile-deposit confirmation
- Images of the front and back
- The submission date and amount
- The account used
Do not deposit the check again unless Citi confirms that the original deposit failed.
Citibank ATM Complaints
Contact Citi when:
- An ATM did not dispense cash.
- The wrong amount was dispensed.
- A cash deposit was not credited correctly.
- The ATM retained the card.
- An unfamiliar ATM withdrawal appears.
- An ATM fee appears incorrect.
Record:
- The ATM location
- The date and time
- The amount requested
- The amount received
- The ATM identification number
- The receipt
Call 911 for an emergency or crime occurring at an ATM.
Citibank Transfers, Wires and Zelle
Before reporting a transfer problem, gather:
- The date
- The amount
- The sender and recipient
- The confirmation or reference number
- The expected delivery date
- Whether the transfer is pending, completed, canceled or returned
Contact Citi immediately when:
- A wire was sent using fraudulent instructions.
- An unauthorized recipient was added.
- A Zelle payment was not authorized.
- The receiving account information was incorrect.
- An account takeover may have occurred.
Bank wires and many person-to-person payments can be difficult or impossible to reverse after completion.
Citibank Zelle Support
Call 1-800-374-9700 for help with a Zelle transaction connected to a Citibank account.
Citi provides around-the-clock customer service for the Zelle service.
A payment to the wrong person may not be recoverable merely because the sender made a typing error. Contact Citi and the recipient immediately.
Zelle Purchase Scam
Zelle is intended for payments to people and organizations the sender knows and trusts.
Be cautious when a stranger demands Zelle payment for:
- A vehicle
- An apartment deposit
- A pet
- Event tickets
- Online merchandise
- A job or business opportunity
Report qualifying unauthorized activity and suspected imposter scams promptly. Whether reimbursement applies depends on the facts, account terms and applicable law.
Citibank Account Restricted, Frozen or Closed
Citibank may restrict an account while reviewing:
- Identity information
- Unusual transactions
- Deposits
- Suspected fraud
- Legal orders
- Account terms
- Required tax or ownership documentation
Ask:
- Which department controls the restriction
- What documentation is required
- How documents should be submitted securely
- Whether scheduled payments will continue
- Whether deposits and direct deposits will be accepted
- When the account will be reviewed again
- How remaining funds will be returned if the account closes
Do not send identity documents through an unverified email address or text-message link.
Citi Credit-Card Customer Service
Call 1-800-950-5114 for an ordinary Citi-branded consumer credit card.
Card support may assist with:
- Balances and available credit
- Payments
- Due dates
- Interest and fees
- Lost or stolen cards
- Fraud and disputes
- Authorized users
- Credit limits
- Balance transfers
- Rewards
- Account closure
- Credit reporting
For a retailer-branded or partner card, use the telephone number printed on the back of that card. The correct number may differ from the general Citi Cards line.
Lost or Stolen Citi Credit Card
Report the card through:
- The Citi Mobile app
- Citi Online
- Citi’s Replacement Card Center
- 1-800-950-5114
Citi may close the affected card number and issue a replacement.
After replacement:
- Update recurring subscriptions.
- Update digital wallets.
- Review recent transactions.
- Confirm authorized-user cards.
- Monitor the account for additional activity.
Citi Credit-Card Fraud
Citi’s Fraud Early Warning service may contact a cardholder by text, email, telephone or postal mail.
Citi currently identifies:
- Fraud Early Warning text short code: 95686
- Fraud Early Warning email: citicards@info3.citibank.com
Citi says it will not ask for confidential information such as a password or Social Security number by text or email.
When uncertain, do not reply to the message. Call the number printed on the back of the card or 1-800-950-5114.
Possible Citi Account Takeover
Warning signs include:
- An unfamiliar mailing address
- A telephone number you did not add
- A new authorized user
- A replacement card you did not request
- A cash advance or balance transfer
- Password-reset messages
- Verification codes you did not request
Change the Citi and email passwords and contact Citi immediately.
How to Dispute a Citi Credit-Card Charge
A dispute may be appropriate when:
- The merchant charged the wrong amount.
- The same transaction appears twice.
- The merchandise was not delivered.
- The service was not provided.
- A subscription continued after cancellation.
- A promised refund did not appear.
- The merchandise was materially different from what was promised.
To begin:
- Sign in to Citi.
- Open the credit-card account.
- Select the transaction.
- Choose the available dispute or report-a-problem option.
- Answer the questions.
- Upload supporting evidence.
- Save the confirmation or case number.
Contact the merchant first when appropriate and retain:
- Receipts
- Cancellation confirmations
- Refund promises
- Emails and chat transcripts
- Shipping records
- Photographs
Use the billing-error address printed on the current credit-card statement when sending a formal written dispute. Sending it to the wrong Citi address can delay the investigation.
Fraud Claim Versus Billing Dispute
Use the fraud process when nobody authorized on the account made the purchase.
Use a merchant dispute when you recognize the purchase but disagree with the amount, product, service, cancellation or refund.
Choosing the correct category helps Citi investigate the claim properly.
Citi Credit-Card Payments and Late Fees
Card payments can generally be made through:
- Citi Online
- The Citi Mobile app
- AutoPay
- Telephone banking
- A mailed payment
Use the payment address printed on the current statement because mailing addresses can vary by card product.
A late fee or returned-payment issue may result from:
- A payment submitted after the cutoff time
- A returned bank payment
- AutoPay being set below the required amount
- An expired or closed payment account
- A recently changed due date
- A payment applied to another account
Save the payment confirmation and bank record.
Ask Citi to explain the fee and whether an adjustment is available. A reversal is not guaranteed.
Citi AutoPay Problems
Review AutoPay after:
- Changing bank accounts
- Receiving a replacement card
- Changing the due date
- Converting to another Citi card product
- Closing an account
Making a separate manual payment may not automatically cancel a scheduled AutoPay transaction.
Citi Rewards and ThankYou Points
Contact Citi Cards when:
- Points are missing.
- A redemption did not process.
- A statement credit is missing.
- An airline or hotel transfer is delayed.
- A returned purchase changed the rewards balance.
- An account closure affected rewards.
Before calling:
- Confirm the purchase was eligible.
- Check whether the transaction is still pending.
- Review returns and adjustments.
- Save the offer or promotional terms.
Rewards rules vary by card.
Citi Mortgage Customer Service
Call 1-800-248-4638 for Citi mortgage products and applications.
Mortgage customers may need help with:
- Applications and preapproval
- Required documents
- Closing schedules
- Payments
- Escrow
- Taxes and insurance
- Payoff statements
- Loan servicing
- Payment assistance
Existing borrowers should also use the servicer and telephone number shown on the current mortgage statement. Citi may not service every mortgage it originated.
Mortgage Payment Difficulty
Contact the mortgage servicer before missing additional payments.
Ask about:
- Temporary payment assistance
- Forbearance
- Repayment plans
- Loan modification review
- Required financial documents
- Credit-reporting consequences
- Foreclosure or legal deadlines
Mortgage-assistance decisions depend on the loan, investor requirements, account history and applicable law.
Citi Small-Business Banking
Small-business customers can call 1-877-528-0990 for account assistance.
CitiBusiness Online customers can call 1-800-285-1709, option 1.
Business support may help with:
- Checking and savings accounts
- Online access
- Business debit cards
- ACH origination
- Bill payments
- Positive Pay
- Controlled disbursement
- Lockbox services
- Authorized users
- Transaction investigations
For a business credit card, use the telephone number printed on the card.
Business Account Security
Contact Citi immediately if:
- An unfamiliar user appears.
- A wire or ACH payment was not authorized.
- A Positive Pay exception was handled incorrectly.
- Online credentials may have been exposed.
- A vendor’s payment instructions changed unexpectedly.
Business-email-compromise fraud can involve legitimate-looking messages directing a business to send funds to a criminal’s account. Verify payment changes through a separately confirmed telephone number.
Citibank Login and Password Problems
Try:
- Confirming the correct User ID.
- Using Citi’s password-recovery process.
- Checking whether the telephone number and email address are current.
- Trying a previously trusted device.
- Updating the Citi Mobile app.
- Clearing browser cookies or using another browser.
- Calling Citi Online support at 1-800-374-9700.
Do not create a second online profile merely because an existing account is difficult to access.
A recurring requirement to reset the password can indicate an account-profile, device, browser or security problem that should be documented and escalated.
Citibank Scams and Impersonation Fraud
Be suspicious of anyone claiming:
- You must pay a fee to receive an ATM card or PIN.
- A Citi representative needs a verification code.
- You must transfer money to a “safe” account.
- A refund requires a gift card or cryptocurrency payment.
- A bank employee needs remote access to your device.
- Documents or funds are being held until another fee is paid.
Citi does not require a customer to pay a stranger for a temporary PIN.
One recent review on the related COH page describes people claiming to be Citibank officials who allegedly demanded additional payment to release a PIN. This strongly resembles an impersonation or advance-fee scam rather than a normal Citibank procedure.
What to Do After a Suspicious Citi Message
- Do not use the telephone number or link in the message.
- Call the verified number on the card or statement.
- Change the Citi password.
- Secure the connected email account.
- Review recent transactions and profile changes.
- Report unauthorized activity.
- Contact the payment provider if money was sent.
Do not provide:
- A password
- A one-time verification code
- A debit-card PIN
- A complete Social Security number
- Remote access to a device
How to Escalate a Citibank Complaint
- Contact the correct department. Banking, credit cards, mortgages and business accounts use different systems.
- Use secure messaging. Send account-specific details through Citi Online or the Citi Mobile app when available.
- Request a case number. Record the representative’s name, department, date and promised action.
- Ask for a supervisor. Explain what remains unresolved.
- Submit supporting documents. Use Citi’s secure upload or the address provided for the specific dispute.
- Request the decision in writing. Ask for the account term or evidence supporting the bank’s decision.
- Follow formal deadlines. Debit-card, electronic-transfer, credit-card and credit-reporting disputes have different time limits.
- Contact the appropriate regulator when necessary. Citibank, N.A. is a national bank regulated by the Office of the Comptroller of the Currency.
Bank-Account Error and Bill-Payment Correspondence
For certain bank-account, bill-payment or consumer-reporting inquiries, Citi’s current deposit agreement provides dedicated San Antonio mailing addresses.
Use the exact address provided in the account agreement, statement or Citi instructions for the type of error involved. Sending a dispute to the corporate headquarters can delay it.
Information to Include in a Citibank Complaint
Include:
- A partially masked account number
- The account or product type
- The transaction or incident date
- A concise timeline
- Previous case numbers
- Names or departments contacted
- Copies of supporting evidence
- The exact resolution requested
Do not mail original documents unless Citi specifically requires them.
External Banking Complaint Options
When Citi has not resolved a qualifying complaint, consumers may consider:
Contact Citi first and preserve the bank’s response, case numbers and supporting records.
Citibank Customer Reviews and Complaints
CustomerServiceNumbers.com currently shows Citibank with a rating of 3.0 out of 5 stars based on two reviews.
Both reviews were submitted in 2014, so the rating is a small and dated sample rather than a current measurement of Citibank customer satisfaction.
The CSN reviews describe:
- Debit-card PIN difficulty: One customer reported being transferred repeatedly while trying to learn how to establish a PIN.
- Fees and customer communication: Another reviewer complained about disputed fees and the explanations provided by customer service.
More recent reviews on the related CorporateOfficeHeadquarters.com Citibank page describe:
- Repeated login and password problems
- Difficulty reaching a representative who could resolve a complex card issue
- Limited assistance from a local branch after an account was opened
- Longtime customers considering moving their accounts
- A possible Citibank impersonation and advance-fee scam
These are individual reports and do not establish that every Citibank customer will experience the same problem.
What to Include in Your Citibank Review
A useful review should explain:
- Whether the issue involved banking, a credit card, mortgage or business account
- The date the problem began
- Which support number or branch was used
- Whether a case or dispute number was provided
- What documentation was submitted
- What resolution Citi offered
- How long the process took
- Whether the issue was ultimately resolved
Do not include complete account or card numbers, PINs, passwords, verification codes, Social Security numbers, bank statements or private addresses.
Citibank Customer Service Frequently Asked Questions
What is Citibank’s customer-service phone number?
Call 1-888-248-4226, also written as 1-888-CITIBANK, for consumer checking, savings and debit-card support.
What is the Citi Online customer-service number?
Call 1-800-374-9700 for Citi Online and related digital-banking assistance.
What is Citi’s credit-card customer-service number?
Call 1-800-950-5114 for ordinary Citi-branded consumer credit cards.
Is Citibank customer service available 24 hours?
Consumer banking, Citi Online, Citi Cards and CitiBusiness Online provide 24-hour telephone assistance. Mortgage, branch and some specialized department hours vary.
How do I report a lost Citibank debit card?
Use Citi Online, the Citi Mobile app, the number printed on the card or 1-888-248-4226.
How do I report a lost Citi credit card?
Use Citi’s Replacement Card Center or call 1-800-950-5114.
How do I change a Citibank debit-card PIN?
Use an eligible Citi ATM, branch, Citi Online or the Citi Mobile app. Call the number on the card if a PIN mailer is needed.
How do I dispute a Citi credit-card transaction?
Sign in, select the transaction and use the dispute option. Use the fraud process only when the transaction was not authorized by anyone on the account.
How do I report an unauthorized Citibank bank transaction?
Call 1-888-248-4226 immediately and provide the transaction date, amount and recipient or merchant.
What is the Costco Anywhere Visa support number?
Call 1-855-378-6467 for the consumer card or 1-855-378-6468 for the business card.
What is Citi Mortgage’s customer-service number?
Call 1-800-248-4638, also written as 1-800-MORTGAGE.
What is CitiBusiness Online’s support number?
Call 1-800-285-1709, option 1.
How do I contact Citibank from outside the United States?
Consumer banking customers can call collect at 1-210-677-0065. Citi credit-card customers can call collect at 1-605-335-2222.
Where is Citibank headquartered?
Citigroup’s principal executive offices are at 388 Greenwich Street, New York, NY 10013. The FDIC lists Citibank, N.A.’s regulatory main office at 5800 S. Corporate Place, Sioux Falls, SD 57108.
What is Citigroup’s corporate phone number?
Citigroup’s corporate telephone number is 1-212-559-1000. Ordinary account problems should begin with customer service.
How Citibank Compares With Other Banks
- Chase customer service: Offers checking, savings, credit cards, mortgages, auto lending and investment services.
- Bank of America customer service: Provides consumer banking, credit cards, home lending, investment services and business accounts.
- Wells Fargo customer service: Offers deposit accounts, credit cards, mortgages, auto lending and small-business services.
When comparing banks, consider:
- Account fees
- Interest rates
- Branch and ATM access
- Fraud handling
- Deposit availability
- Credit-card rewards
- Digital tools
- Access to knowledgeable representatives
Related Citibank and Consumer Help Pages
Why Trust CustomerServiceNumbers.com?
CustomerServiceNumbers.com has helped consumers locate customer-service information and share their experiences since 2004.
We are an independent consumer-help website and are not owned or operated by Citigroup Inc., Citibank, N.A., Citi Cards, Citi Mortgage or any Citi affiliate.
Because Citibank uses different numbers for banking, credit cards, mortgages, Costco cards and business accounts, we identify the correct department rather than presenting one number as universal customer service.
Our goal is to help consumers protect their accounts, document disputes, use the correct complaint process and report whether the company resolved the problem.
Share Your Citibank Customer Service Experience
Have you contacted Citibank about a checking account, savings account, debit card, PIN, deposit hold, transfer, wire, Zelle payment, credit card, disputed charge, mortgage, business account, login problem or fraud claim?
Leave a review below and explain what happened, which department or branch you contacted, whether a case or dispute number was provided, what documentation was requested, how long the process took and whether Citibank ultimately resolved the issue.
Do not include complete account or card numbers, PINs, passwords, verification codes, Social Security numbers, bank statements, private addresses or other sensitive information.
Customer Service Information Disclaimer
CustomerServiceNumbers.com is not affiliated with Citigroup Inc., Citibank, N.A., Citi Cards, Citi Mortgage or any Citi affiliate. Citibank does not provide customer support through this website.
Contact information and support links are provided to help consumers reach the responsible organization directly. Reviews and complaints reflect the experiences and opinions of individual contributors.
The information on this page is general consumer information and is not legal, financial, tax or credit advice. Account agreements and applicable law control.
