Scam Alert: We are aware of scammers impersonating Citadel representatives by phone, text, and in-person visits. Citadel will never ask for your PIN or sensitive information, never instruct you to cut up your debit or credit card AND keep the chip intact, and never send anyone to your home to retrieve a card. If you receive a call, text, or visit claiming otherwise, it is a scam. Call 800-666-0191 immediately.

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Why doesn't Box 2 on my Form 1098 report my principal balance at the end of the year?

Frequently Asked Question

The IRS requires us to report the outstanding principal balance as of January 1st of the tax year being reported in Box 2 or when Citadel originated or acquired the loan in the tax year.

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