Total complaints
1
Filed since On X
2026 data Public-data reference. official source
and explained
1 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
1 consumer complaints filed with the CFPB
This profile shows and explained's complaint history from CFPB public records. 1 consumers have filed complaints since On X. The company has a 0% timely response rate and has provided relief in 0% of cases.
1
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
1
States Active
On X
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 0.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
and explained complaint mix by product
- Citi Customer 1 100.0% – 0% relief
How and explained's 1 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Citi Customer Service Team sent a letter to me regarding both transactions requesting the same three pieces of information requested in the XX/XX/XXXX email. It directed me to return the letter with the requested information by XX/XX/XXXX so Citi could continue the investigation. ( Theres a single reference number on the correspondence referring to both disputed transactions : XXXX. ) On XX/XX/XXXX | 1 |
Top States
| State | Complaints |
|---|---|
| once again | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| for the third time | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About and explained
and explained has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to On X, and the most recent logged activity is On XX/XX/X, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, and explained reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Citi Customer Service Team sent a letter to me regarding both transactions requesting the same three pieces of information requested in the XX/XX/XXXX email. It directed me to return the letter with the requested information by XX/XX/XXXX so Citi could continue the investigation. ( Theres a single reference number on the correspondence referring to both disputed transactions : XXXX. ) On XX/XX/XXXX", and the single most common underlying issue is "for the third time".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating and explained: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does and explained have?
and explained has received 1 consumer complaints filed with the Consumer Financial Protection Bureau.
Does and explained respond to complaints on time?
and explained has a 0% timely response rate to CFPB complaints.
What is the most common complaint about and explained?
The most common issue reported against and explained is "for the third time" in the "Citi Customer Service Team sent a letter to me regarding both transactions requesting the same three pieces of information requested in the XX/XX/XXXX email. It directed me to return the letter with the requested information by XX/XX/XXXX so Citi could continue the investigation. ( Theres a single reference number on the correspondence referring to both disputed transactions : XXXX. ) On XX/XX/XXXX" product category.
Read our methodology — how this data is sourced, computed, and verified.
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