Citibank

Over the course of the last twenty plus years, we have utilized many of Citibank's services. We have attained and paid off various loans and have always been timely, and an honorable customers. Before the experience of which we are now writing about, our credit scores were just shy of 800.

Last year, when we entered contracts with Home Depot/Citibank, our experience with your organization changed dramatically. If you review our records, you will learn that several calls were made, just trying to figure out why payments were being made to the wrong accounts (we each had an account), and various other problems. After we finally had enough of the mistakes, we verbally terminated the contracts and paid off our balances. As a matter of fact, on one of our accounts, we have overpaid by $1800.

We later discovered, after receiving a phone call from collections, that our accounts were never closed and late charges had been accruing, and resulted in poor credit marks. Can you imagine? No letter, just bad credit. It wasn't until I received a phone call from a collection agency that we learned that not only was the card still open, a late fee had been building in interest. We had no blemishes on our credit record until we were talked into signing up for a zero interest credit card. I will hope you will review this information carefully, and remove any negative marks resulting from our relationship with Home Depot.

We have dependent relatives in Poland and we sent them periodically some money. To avoid extra bank commissions and exchange fees, they opened a personal account in dollars at Polbank EFG S.A. in Warsaw. On 4/24/2012, using online banking, we transferred $500.00 to the dollar account of our dependent at Polbank EFG S.A. from our Citibank account in the US. The fees for this transaction were $30.00, the confirmation number is: **. Two days later, we learned that Citibank had wired only $482.00 from the United States to the beneficiary bank in Poland and the beneficiary bank confirmed they did not charge any fees.

On 5/4/2012, we called Citibank to find out why we were charged an additional $18 for the wire transfer. After being on the phone for more than 30 minutes, and then trying to wash their hands with the beneficiary bank, they promised to investigate and send us an email in 24 to 48 hours. No email came, no answer, we were ignored! On 5/9/2012, we called Citibank again. After being on the phone for more than 30 minutes and switched from operator to operator, we were finally connected to international wire transfer specialist, Kimberly **, Citibank Florence, Kentucky. Again, she tried to blame the beneficiary bank in Poland, but promised not to ignore us, investigate and send us in 24 to 48 hours an email with the results. No email came, no answer, we were ignored again!

According to the Citibank Agreement for Online Funds Transfers, the beneficiary bank may charge some extra fees. In our case the beneficiary bank charged nothing! We were ripped off by Citibank! Every day there are thousands of people who wire money through Citibank to foreign countries. Usually, the US Dollars are converted to the local currency. That's why it is hard to notice if additional fees or charges are applied. Citibank and presumably other banks are making millions from such transactions and we don't even notice it.

On May 9, 2012, I made a request to have a duplicate copy of my promissory note for the the Visa card I signed back in August 2011. I was informed that it would take 3-5 working days and that I requested to pick it up at the East Agana branch here in Guam. It is now May 16, 2012, the 5th day and still, no documents. Yesterday, when I called, I was informed that it would be ready tomorrow and that I should call to make sure it would be ready for pickup.

Today, at 11:30AM, I was told it was not ready and that it is still being retrieved. I do not understand that in today's technology, my documents cannot be retrieved, scanned and emailed to the East Agana branch. This document is essential to another appointment (which I've cancelled several times), but it seems I have to postpone again. I would hope that in the future, these situations could be avoided and improved because it is not satisfactory at the moment and that customers are not put in the similar situation. Thank you for your attention and hope that I would get a favorable response tomorrow.

I opened an account up online. I went into the Manteca, CA branch to open up a second checking. I like to have two accounts to separate spending money from bills. I went into the branch for the second account so that I could have access right away. I had spoken previously with Anna from new accounts. It should be noted that I had applied for a joint account with my husband but he was denied. (We are currently clearing up the misunderstanding.) I was told I could have my account and add him at a later date. I had asked Anna if I would get one debit card per account. At my current bank, I have a debit card for each account. However, I did not care if I was getting just one card and at the time, it would be better since it would be new accounts. She seemed to think I wanted the second card for my husband. I never said I wanted a second card.

Upon arriving, I had to introduce myself and was not greeted by anyone. I informed Anna I was just approved that morning for an account. Customer service had called me to inform me of the approval. However, given I had spoken to her previously and that I wanted to deposit money right away, I'd like to open a second account. I was asked odd questions but still banking related. Things like, "Are you able to do a direct deposit?" which she didn't ask me, but she asked my husband. This was my account. She asked more than once if I wanted a savings and each time I said, she shook her head at me. I don't need one. I have one with another bank and prefer to keep my savings with them.

The whole time, I felt as if I was unwanted. After about 10 minutes or so, I was informed that she could not give me a temporary ATM card because I had one being sent out to me. She also informed me that my account I opened online was currently blocked pending more verification sent to them on my end. I was not told this information by customer service that morning. However, this is not a problem I could send anything they need. She went on about how she was reading notes on my account. I found it strange that she would not tell me the notes. After all, it is my account. During all of this, the branch manager came over several times. Never once addressing me.

In the end, I chose to not open the account because I'll be opening an account that I couldn't really use until I got the debit card for the other account. I figured I might as well wait since I was feeling uncomfortable with the person helping me. Anna seemed displeased with my choice. In normal banking, my account information is closed on the screen when I am done banking. As I walked away, she had my account open and was typing notes. I didn't think much of it at the time. When I got home, I called Citibank to find out the other information if any that they needed. I was inform that the area that handles new accounts was closed and to call on Monday.

On Monday, I got my new debit card. I go to activate it and I'm told my account is blocked! Yes, blocked! To my surprise, one of the notes on the account read that I asked for a second card for husband. Because of this reason, my account that I opened online was closed. I was shocked! I was told I'd have to talk to the branch. I called the branch and Anna informed me that she talked to the back office and told them I asked about a card for my husband, that I wanted two debit cards for two accounts. Keep in mind, I was told by customer service that if I separated the accounts, I could have two cards if needed in the future. However, at this point, I just wanted one debit card for my use. I asked if she closed the account and she refused to admit she closed the account. I told her customer service told me this branch closed the account. She made several comments that I felt was plain out rude, one of them about my husband and the other telling me I should find a new bank.

I called customer service again. Long story short, they called the branch and the branch refused to unblock the account or reopen it. I had not even deposited money yet since online accounts require 0 deposit. I ended up on the phone with the complaint department. After filing a complaint, I was informed that I could go to another branch and open an account. At this time, I am still with my old bank. I feel I was discriminated against because of what she saw on my husbands' Chex System. I have no dings on my banking history and simply wanted to switch to a more accessible bank. She flagged my name in Citibank. I've never been treated so badly by anyone. I'm left baffled by all of this and confused on how I could have an account closed simply because a person thought I wanted to allow my husband to use my debit card. I never once implied he would have access to the card. Each time she mentioned him, I stressed that this was my account and he is of no concern.

I received a letter with checks from Citibank offering me 0% APR until April 2013 and it must be posted to my account by June 11, 2012 for the promotional APR to apply. After reading all the conditions, nothing was mentioned about the 3% balance transfer fee. On April 17, 2012, I used one of the checks (**) for an amount of $1,500 to my checking account and paid the exact amount I owed to them on May 9, 2012. This Saturday, May 12, 2012, I checked my Citibank credit card and I was so surprised for the fee that it was posted. There was $60.51 charged on my account so right away, I called the customer service demanding for an explanation. They said it was the balance transfer fee. I told them that it was not mentioned on the paper they sent me.

Honestly, it was my first time using checks from a credit card account and so I never knew about "balance transfer fee" aside from the APR they charge, but I told them that I felt like they charged me with the hidden fee because it was not written on the paper along with the checks that I received. After complaining, they forwarded my call to the supervisor and I told her the same reasons why I called and she also told me the it was not a hidden fee. After many times I expressed my dissatisfaction, the supervisor told me she will remove the amount/fee on my account and to just wait for 72 hours to process. And so I waited and I just checked my account today and there is 51 cents remaining.

I'm still complaining right now not because of the 51 cents remaining charge, but the time and effort they caused me. And I thought maybe I am not the only one who's experiencing this right now that they don't want to complain or they are not even aware about this creditor has been doing. By the way, they sent me another copy of the checks and from that copy, they already added the information about the balance transfer fee. Right now, I am going to pay the 51 cents they charged me, but I hope they will learn their lesson for not leaving important information just for them to earn more money from their customers.

FLAG

(713) 987-3763/ (347) 271-4860

Re: 30:20 international hearing request/Code 18 violations human rights-CIVIL rights-unlawful bank practices-coercion 911 attack investigation e.W. Oliver (kennedy-chainey)/Gene babies of celebrities-overseas/Usa illegal-dekalb county school oil/Hampton ga 7.3 zillion dollars oil/Crystals-howard co maryland--fraud on stock-assets (offshore-oil/Other wealthy assets wall st)via system interjection illegal/Tv-computer software cameras---bank fraud coercion of gene-babies/Interest stock-future cds/Bond-safety deposit box microdot- robberies ---non-usa/Offshore accounts/Non-governmental accounts deductions former agents-england/Ireland ex-cia/Fbi----military platoon execution in 2012-investigation on above issues (possible use of system for hacking/Tech harassing-bio-chemical download into their anatomy systems on cable broadcasting monitoring net-einstein technologies illegal usage by suspects in investigation) request for united nations internatinal hearing on a 30:20/Code 18 to protect other gene-babies/Wealthy-celebrities held in hostage situation/Bank fraud of offshore accounts being transferred into usa banksoil heiress 999-99-9999 whole to part shares with united nations relatives-others---not authorized abuse of banking regulations reported to finra, security exchange commission, federal reserve (art-other items). All offshore accounts/Wealth on micro-dots asia, russia, germany sattlelite systems updated continuously over last 200 years never to be connected to usa government, usa fbi/Cia agentsmost accounts are communist we are not here to pay for the 911 damagesthese are offshore oil/Assets not part of usa/United nations relatives-arab nations, russia, and germany investors historical wealth/Engineer-scientist renowed name prototypes-broadcasting systems radio/Tv, airlines, oi wells-prototype parts royalties forever egypt family heritage. We are usa hostages needing assistance as communist from international arab iran/China/Russian attorneys only with historical records/Or access for emergency funds assistance, etc.Clarity on china/Russia protocol oil-royalties of 999-99-9999-attached royalties at end of data explanatory of pryamid photons/Electronics and prototypes connected to all systems/Alarms, networks, radios, medical devices and russia other space shuttle systemsvarious other johnny quest team prototype products-along with heirloom oil/Elements of earth-assets royalties/Wealth. Need help we are hostages.

Dear united nations/Supreme court hearing (board of education violations) texas:

I was contacted in 2002 by fbi/Cia other military agents (usa/International) regarding the 911 attack and phone pranks played on the school systeme.W. Oliver elementary school riverdale georgia. Consequently, I am an oil heiress and grandchild of alexander fitzgerald-greene (deceased oil sheik heiress from china egyptian-asia minor/Russia klan line) whom is also a former scientist/Engineer renowned in russia for his prototypes, oil wells inventions with albert einstein I, and trivolosky (relatives space and technology scientist from russia). There ideologies led to your connection to many other broadcasting systems in germany, russia, asia for the military and eventually for the development of color television/Basic channels via satellite russia-asia, which allows for the various network channels reception, radio reception, as well as, oil/Elements of earth, whereas the oil-heirloom systems average about 100 zillion annual. Unfortunately, alexander fitzgerald-greene/Albert einstein I murder investigation led to controversy historically with dick chainey/J. Kennedywhom also was suspected of trying to keep my mother hostage in usa---breed children illegal for the future systems. Therefore, relatives under the united nations, and other arabs, russians, and german relatives connected to my mothers stock-offshore oil (whole to part, as well as, my account 999-99-9999) had successfully alleviated the conflict via amicable resolution by 1998. I am blocked from my banking accounts/Cant return to country origin for safety-never any crimes or dram on my 33 year work history/25 year kingdom hall history and people are chasing me for kennedy-chainey-other stock crimes---I have nothing to do withnot a showan attack due to their investigations-fraud of banks/Ex agent coercion under investigations. I have rights via due process as an oil heiress/999-99-9999 and grandfather acct. Prince alexander fitzgerald greene. There is no way you are going to hold us hostage/Poverty send people to keep attacking/Killing off this family and steal genes/Our-celebrities to sell-abuse the children in the usa for these 911 attackerssomeone has to be CIVIL enough to probe/Clarify and verify until united nations-corrections are in place, which are a wide international investigation due to these men pranks, abuse to women/Children-military and professional organizations over the last 30 years of my lifewith ongoing complaints govt/Non-govt.

During the interim, I pulled up oil offshore in far rockaway-pakistan-russia alliance with them using the system to pull up excessive oil, whereas the system works with engineering effects of the knowledge of oil-engineers/Oil laborers upon the turnover of the twilight solomon seal system 11 pm to 5 am 24 hour solar star-system with a full moon, quarter moon, half-moon dial concept connected to the solar sun star, which follows all the oil-heirs/Heirs. However, this system is the connection to both male and female king/Queen (prehistoric design of egypt) via my mother/Grandfather. There was always being one via natural birth via biblical reference from the queen of sheba heirs. In addition, this was her kebra nagast conquest in bringing oil, platinum, gold and great wealth to the nations via the blessings of christendom for children, as well as, engineering/Scientific research of early epa elements for human survival. Moreover, we are offspring of centuries of scientist/Engineers and oil-sheiks. However, the women were/Are in the usa and we are learning of unauthorized gene-babies/Offspring by people who take dna/Rna at possible gyn exams and used these children to rob (bank fraud coercion) accounts. Unfortunately, we are never in situations to make account/Specific decision without appropriate attorneys/Russia-china-arab nations only, and other information is continuous over the last 200 years as per the guidelines and protocol via russia satellite royalties/Protocol upon the ring in. No government, no governmetnal agency should be involved in our protocol or practices due to family heritage, aran nations (iran, iraq, saudi arabai-russia-china) immediate relatives who are on micro-dots work interchangeably without usa interjection to ensure peaceful alliance via our voyages universal.

Consequentally, we are now being held hostages!!!! Our children gene-babies attacked and hangings/Death of my former students by these men being investigated due to the 911 attack. The same men actually tried to kidnap me at 3 and I believe these same men kidnaped me/My student in dekalb county school system, harassed our family, because they are the linke to crimes for corporate wall street executive stock exchange investigations, 911 attack, abuse to women-children visusal/Audio crimes bouncing into marine, navy, army and television broadcasting systems, as they illegal interject their cameras-hacking system on to the queen of sheba-heirloom, which belongs to myself since birth, as it DID my ancestors in gene transformations via two a king/Queen dna system. These cannot be replicated and are high tech communicative, solar energy sky devices-assimilation look to a e=mc2, which are basic sunstars can be used for weapontry, medical systems technology, connections to a planetary system device historical via egypt/Asia-russia updated sattlelite ring-ing program for protection, voyages for wealth.

Recently (greyhound voyage to tx from ny-engineering russia system on for pull of oil-gold), I estimated at least 94 zillion in oil/Gold from nyc to texas, and 1221 zillion in crystal located in howard county far more powerful-wealth connections in crystal for space mobiles, flights in to space under study in russia, china, germany and I simply cant understand why????????? We are chased all over the usa, piss on our car by black muslims, ireland-englands others connected to government. We have not connection to these people and these accounts are united nations (historical), oil sheiks worth twice as much as us, offshore accounts of iran, iraq, saudi arabai, russia, germany, whereas we are not here to be held hostage by people seeking oil as they follow us/Attack us. This is a 300/Historical protocol with outside nations and we are out of country origin, as we are from asia minor/Russia-arab nations backgrounds----simply dual citizenships with communist status. There must be a way to resolve these issues. The usa has not paid our accounts and seek to attack us knowing it will lead to incited war or execution as it has before or 30:20 international hearing violations/Code 18 with almost 231 people being killed. There are simply to many murders, abuse and bank fraud coercions on this system, which usa must protect until I exit the country back to my home of originasia minor/Russia or arab nations. Moreover, these nations *****dont have a problem with engineers/Scientist working cooperatively/Professionally-respectively***** I personally do not want to be involved with any usa investigations, or witness. Why????? These same men have been harassing people in usa here historically, abusing their children/Other corporation/Executives and it appears to be allowed. Now they stalk/Tech harass the attorneys, so I move forward with protocol international attorneys another 30:20/Code 18 to stop the abuse to our family/Remove them off our television boradcasting systems, oil business (never an option for kennedy/Chainey and they are well aware of united nations sanctions since my mothers kidnap/Death of arabs/Asians questionable in usa). No connections to our airlines, which are under supervision/Directive of iran (others), as we women from a china egyptian asian caribbean kaln-- all/Any major business decisions are under directive of the iran military for scottie sypho-greene/Arab nations council for 202 visionary franchise/Corporations development in pursuit of innovation, investment and insurance for success as universal investors with open stock-shares as desired via their international arab/Russia/Germany attorneys.

Repeat: repeat: I do not make these decisions, become involved in the global whole to part accounts connected via united my name/Numberology employer ID number: 999-99-9999 this is a heritage oil-heiress account rollover from centuries. Please stop harassing me, abusing our family, stealing our genes with other celebrity, sending abuse via audio/Video. I cannot change stock variables from 200-300 years ago from renowned scientist/Engineers family/Arab nations-russia-china-germany. This is non-negotiable, but these are our accounts/Connected to former/Present united nations relatives and we are hoping the bank fraud coercion investigations is going well. No ex/Present cia/Fbi agent, no usa-attorneys has access to these accounts for any reason--- they are offshore, bounce to specific numbers/Names and triggors invented and protected by our forefathers/Investors and scientist who have worked together via families-johnny quest teams and I dont understand why the women and children in usa has to be attacked? Blocked with guns, muslim extremist-women/Men and others who are bieng intentional misled. The new oil/Gold/Platinum or crystals must also go through usa-government and I have asked for an investigation---- I dont have the usa accounts or funds and have contacted usa lawyers-washington, DC. Too many people stalking, attacking me for some unathorized stock-shares scams, which are very often offshore with arab-russia-germany attorneys to protect zillionaire accounts very often non-usa/Non-government banks. The board of ed students are now causalities when the call comes with them letting me hear the children abuse/See the attacks---same men 911.

Please stop harassing us and allow for the supreme court hearing on 6th amendment due process to protect the public in proximity when these oil-gold stalkers-tech harassers go to war in follow me or the sunstar system state-to-state. People hav e been killed in the interim due to this lack of protection, which was given to us at one time as communist. We DID not sell/Give/Allow any issuance of stock shares/Interest and are not stock-share borkers. This may have been arranged illegally by the men being investigated for the 911-wall street attack to cover up corporate stock scandalr/Tech harassing-plagarism of compnay data/Shares still udner investigation. Consequentally, I worked 13 years in corproate ibm, mutual of new york, hertz corporation, and new york society for the deaf corporate, various financial firms, corporate stock/Engineering firms and some companies have oil on site, such as MCI purchase new york, mutual of new york confirmed via their own engineer. However, the stalkers-tech harassers probed their sites electronically via tv broadcasting camera systems under investigations, leading to stock-share grievances.. Same men 911l. Then trained their illegal gene-baby to be the new criminals attacking other wealthy people the same way now.

This must cease with professional/Experts and I do believe the cia/Fbi and other mitilitary investigations were followed accordingly and I await constructive correction and investigations. I have been contacted directly by the arab nations, russia, germany and other investors connected to the whole to part/Part to whole oil heiress accounts, which are very old/Renewed and I have never touched ---one penney and as per the identity/Person---only crystal children/Oil-heirloom systems ring in. I cant be mis-identified, confused and seen via any banking system alarm upon walk in. However, we are still in conflict when I proceed to pick up funds, so we are hostages and others (some form of corrupt political allowance/911 connected) is still harassing us. These are not usa accounts and not connected to england, ireland, haiti, germany (relative different account now), africa specifically, were I can hear some of these children abuse off the high tech systemsthey are kidnapped and need help. The fathers listed below are celebrities or in a situation, whereas these investigations were held from 1998-2002same men used these children horribly with some dead after these stock-share accounts are robbed/2 way attacks. Please help to resolve these issues until the united nations can move forward with the 30:20 internatinal hearings/Code 18. No child/Women deserve these attacks for the fallacy exist not with investigations, but with actual prosecution walk-in/Walk out and they start attacking others in the usa/International all over again--- humor, and abuse to the wealthy, children/Women- heirs/Heiress wealth and we need protection from employers (6th amendment protocol as employeesprivacy, protocl disclosure information/Notices would have warned me as a 20 year educator these men were back and my students are dead/Attacked)simple 6th amendment due process to protect, wealthy records, investors, corporate stock officers, educators; mainly professionals. The people paying attention to these prompts attacking others have no idea how hard people were to save money/Keep money or love their careers regardless to wealth. We are entitled to due process protcol/International hearings 30:20/Code 18 allowance for hearing in our country of origin/Effects of where the wealth was stolen, abused by officials. I am currently living in a shelter refuge, whereas gov. Sonny purdue paid for my house with 7.3 zillion dollars in oil, and I was attacked by a second mob whom took over the home he bought for me in stockbridge, ga and then tried to hang me a second time in my back yard and chased me into the maryland-DC area. The maryland-DC area have some of the highest intelligence iq quotas/Genius and I was safe in such areas, and they totally understood the ideology of the spiritual connotation in biblical reference to king david-queen of sheba/King solomon and knew the theory/Correlations to the wealth of the oil-heirs/Heiress in the united states, as well as, info on my relatives in united nations. However, these people were either misled by obamas administration from areas such as: england, ireland, africa, haiti and some disgruntled stock-agents whom I have never met. We are not part of any political/Legal corruption; our wealth is historicaloffshore for most scientific/Engineering theories, as well as, renowned heritage of men as scientist/Engineers from early egypt to asia minor present day. No need for us to steal, deciet/Abuse or cause the usa a problem. Please stop sending them to hunt women/Children and breed our children with celbrities for 2 way stock-or-platinum kill attacks. I must be able to go to the banks national/International, drive my car without these people attacking it-piss/Spit, continue my ph.D., Which is walden university a german college for overseas voyages, which must continue. The oil-heiress job is considered part-time/Private to myself/Family not open record to the world and I cant pay people what the government has not????????? Nor can the overseas investors who work on the system via internet/Etc.. In addition, to hold up these systems is very sensitive and one of the highest form of iq/Brain abilities in the world and has led to some profound development in space and technology, brain research.

Why does america, people want to destroy superior intelligence with human brain/Anatomy? People honor such abilities, genius connections in terms of the innovation, investment, insurance for success universalwhat type of leaders teach people to attack others???????? Early egyptology is connected to historical profound ideologies in medicine, science, and solar energy your very light, technology of today-computers-tvs-radioswhy would you even want to listen to such ignorance with the wealth of oil that comes to your state/Country by people who ran stock-abusive bank-corporations scams causing you higher taxes/Financial distresses. Moreover, you know these men are under investigations state-to-state for something, or international and now they have heirs/Possible confused/Misled angry at usa for their abuse attacking everyone in proximity. The 6th amendment rulines on due process protection at work, privacy, protocol of paperwork-hearings must be followed to protect women/Children; particulary at work/School other agencies. They target the women/Children the most as it seems over the last 40 years of my life and I need usa/Coercion with usa attorneys. This will never be allowed by any country after the last audit of stocks/Bank frauds upon any international government and they are not to be tv abuser stars off our tv broadcasting systems; as specified at a former interntional hearing for my mother prior with the united nations. Safety/Protectin and closure must be paradoxial for investors/Citizens of people with this tech-harassment/Stalking at places of their employment, businesses, educational or medical/Leisure lifestyles. Thank you in advance for your time in understanding. We are not to be killed for our wealth in the usa, and it shared among these attackers---true fallacy. Specific micro-dot defaults/Heirs-heiress is on record historically with all investors; particuarly arab nations, russian, german and usa relatives (never involved in overseas-business transactions in usanot possible to negotiate with oil-heiress/Specific attorneys-relatives russia-china).

Solar sunstar systems of china egyptian heritage

National attorneys texas supreme court advocating for 6th amendment protocol-correction/Protection women/Children heirs/Heiress---need protection national/Internationala ruling for employers/Business tech harassment-stalkingnot shows!! !

8. Non-usa/Non-govermental accountsall finance via cpa/Engineers-scientist national/International attorneys as per agreement of russianring in on all heirs-heiress systems are evident through crystalizationgate doorway communication 24 hour accessible via tv monitoring systems or internet possible with relatives only.. all crystal children linked to ring in if lost-hostages for furture protection through russia sattlelite system.

All oil wells in united states of america/Crystal in maryland royalties to father-heirs/Heiress (part to whole) via international/National attorneys/Arab nations share deductions, russia mandate share deductions a must!!! Specific franchise/Corporations plans stipulated as per child/Parent request** amendments with attorneys scientist-engineers working with children success under father authority-directive on all international/National proceeds with oil, platinuim, crystal, other earthly elements or research for the specific fathers---any other children added must follow the interntional hearing mandates for code 30:20 legal violations(international military bounty hunters obligations to united nations protocol for prosecution based on recipriocal universal penal codes to protect communist-wealthy and children rights/Code 18possible imprisonment due to gene-baby violations of human rights and CIVIL right mandates via arab military corrections agreement.

(713) 987-3763

April 24, 2012

Re: professional employment opportunities/Inventions

Dear sir/Madame:

I am seeking a position, which coordinates with my experience, education, creativity, and technical knowledge. I have over20 years experience as an educator/13 years in corporate (finance-engineering), and have worked in the language arts reading field within private and public organizations innovatively-successfully. I am well versed in writing, and communication skills, and enjoy analytical challenges in the classroom, or with assigned challenging task. Moreover, I work well within groups, or independently, and enjoy the task of initiating structure for successful outcomes with complex variables. My culmination of skills elude to financial, legal and basic foreign languages in chinese, spanish, american sign language, and german.

My goal is to find a position in the universities/Professional industry, whereas I can incorporate my skills, education, technical knowledge, and creativity into a challenging position in a professional field. Therefore, I would appreciate the opportunity to meet with you to discuss my qualifications, and experience for future employment opportunities. Please contact me for an interview at (347) 271-4860/713 987-3763, at your earliest convenience.

I would truly appreciate the opportunity to meet with you, and thank you for your time in advance.

Sincerely,

Childrens author

2009-present

Scientist inventors ph.D. Educational research program dissertation ses universal infrastructure focus with oil heirloom for wealth investment in franchise innovation, investment portfolio planning community development ideologies. Currently 7 inventions in developmental stages connected etech international corporations solomon seal albert einstein 24 hour system-oil heiress/Sun star china egyptian system childrens publishing interim-a plus kids technology (einstein technologies development in educational software, childrens books and innovative educational products to be marketed by 2014.

Reading specialist k-12 certification-innovation of reading theater strategies/Skits

Eip reading teacher e.W. Oliver (highest reading scores in the school-innovative strategies)

K-12 reading teacher (4th grade, 6th grade)-tutoring services saturday school intermitted

Specialized reading degree working with grades k-12, development of literary programs, instructional training, presentations, grant writing, chair leadership. Working with curriculums in va, ny and ga, as well as washington, DC grant programs. Experience with various language arts literature cross curriculum correlations, springboards college curriculum training and program, versatile in working with reading technological applications, software remediation programs, responsible for organizing after-school, and tutorial programs, implementing and structuring literacy seminars for test prep, parent participation, and community innovative literacy activities, knowledge of iep modifications, level ones, cross state curriculums, experience working with esol students, gifted students, exceptional education and regular education. College level ged training course and training for high school students/Adult literacy program coordinator.

Legal coordinator (real estate- notary) seasonal rentals (russian-germany residents-cia agents)

College of new rochelle, new rochelle, new york

Long island, new york

Skills: experienced in computer technology programs, developing power-points, web pages. Well versed in written and verbal communication skills. Innovative working collaboratively within teams or working independently on goals. Enjoy challenges of implementing structure, analyzing variables in problem solving strategies with concluded qualitative/Quantitative data, creative art abilities, childrens author, enjoy versatility and analytical challenge. Basic language skills in german, spanish, french. Seven intentions and a goal to extend knowledge academic into scientific status. Basic musical skills viola, piano- asian caribbean-pacific islander heritage-solomon islands. Inventor etech international corporation scientist europe/Asia vendors.

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Your company will not stop calling me. I get annoying calls almost every two hours during the day, up to 9 pm. I have called Citibank, in an effort to have the calls stopped and was talked to very rudely by one of your employees. I do not have an account with your bank and never have and after this experience, never will! They said my number isn't on file at the bank and when I asked to speak to someone who could help me, she told me there is nothing I can do about it and there is no one else to talk with... then she hung up on me. The number that continues to harass me is: 888-638-9611. My next step is to report you to the authorities. Thank you.

I have been a Citibank member for over five years. Originally, when I opened up my account, it was a large balance and there were no monthly fees. After the recession hit, I had to change the type of account because I realized I was charged fees and the bank refused to reverse the charges. I was informed how to avoid fees in the future, which is what I did. Now, I go in again to find out they changed their policies again and I never received a letter notifying me of this change. They again refused to reverse the monthly charges. I will be closing my account because I am sick of bank charges. These banks are true blood suckers who only care about lining their pockets with bonuses and not the hard working consumers who cannot afford these bank fees.

On April 3rd 2012, I reported my debit card lost. The Citibank rep issued a new card which I received a few days later. Everything was okay until I noticed the card numbers were the same. I don't understand how if you report a card lost, you get one with the same numbers! I went to a Citibank branch and a rep canceled the replacement card and gave me a temporary card. Now it has been more than a week and I haven't received the debit card. This has delayed necessary online transactions and caused frustrations. I have been a Citibank customer for 12 years now and I expected better service. I have a business with Bank of America and Chase and neither one of those banks give me any trouble.

I never received my money credited into my POSB account, and the cheque is issued by your company. The cheque had been returned to me twice. I expect an explanation from you quick.

My husband's mother (Marjorie **) passed away on March 14, 2012. Citibank froze her bank accounts and will not allow us to unfreeze it, even if we present a death certificate. She had a living will, and Thomas ** is a trustee along with his brother, Steven **. All the bills that were paid have been bounced, and the house has lost its homeowner's insurance because of this bank freeze. First, we were told all accounts of deceased must be frozen for 30 days. Now (today), they just told us that we need a letter of testamentary (whatever that is). I will never use this bank again. There's too much confusion about a simple task.

I had three calls to 800-423-4343 on 3-28-2012 at around 9:30 pm. The first one was accidentally disconnected and was with a very pleasant male CS rep. The second one with Joslyn was pleasant and we resolved the confusion of a $10.45 payment for which I had not received a billing statement. During the call, I notified Joslyn of what appeared to a phishing scam run in the name of Citibank or a practice of an outside vendor of Citibank. This includes harassment because several calls a day before 8 am and after 11 pm were made to me for several weeks now from a number self-identified as Citibank. I was going to call back right away with that number after retrieving it from my records. When I took the time to call back, the third CS representative did not listen to the explanation of this call, was rude, and immediately became snippy.

I insisted to speak to a manager. He refused several times and then claimed I was "yelling." He then said something about connecting me to the "escalation department," but hung up on me instead. Just a side comment: there are plenty of hard-working, trained individuals looking for work. Do some quality control with your staffers! I phoned back a fourth time to leave the number so that your company can follow up on this phishing/bad practice dilemma, which is discussed on several blogs on the internet. Needless to say, Citibank, one customer service rep can with ease ruin your reputation! And banks don't enjoy much good will these days from the populace! Let me know if you need good trainers to provide appropriate training for your CS department!

My wife and I both opened new checking and savings accounts at Citibank to take advantage of a marketing offer to obtain American Airlines frequent flyer miles. At the end of the tax year, we received a 1099, which added $150 each to our tax liability! We knew that we were liable to the normal taxes at the time we booked with the airline, as has always been the case. This is something new and unexpected. No other bank has ever done this to its customers! After moving money from higher paying accounts to Citi, plus the added tax bill we paid almost as much for the tickets that we got. What a rip off! And we just found out that Citi has started to market the same program this year! Consumers beware! Stay away from Citibank!

It's going on 3 weeks from the time I deposited my taxes online and still can't retrieve my money the bank has been giving me the run-around for too long. It's, "Well, you got this, but now you need that." I'm seeking legal action and the funny thing is I have a representative from the IRS that's willing to testify that my check has been deposited and it has nothing to do with them. My daughter' account was closed and nothing was ever said to her as to why. Now she's suing them and TurboTax. The system is getting terrible and something needs to be done immediately.

On March 2, 2012, my bank account got frozen, without anyone notifying me. I found out something was wrong when I went to purchase something and my debit card didn't work. I went to the branch were i opened the account and they couldn't give me any information other than, "Your account is frozen, you have to wait for a letter by mail."

It's now March 10, and I still haven't received anything by mail. I have gone to the precinct and to civil court to file and they tell me that I need a letter from the bank stating that my account has been frozen. I have gone to this branch in Queens Blvd three times for the letter and they state that they cannot provide me with anything because it is not in their hands.

I have spoken to customer representatives and when I want to speak to the supervisor, they say 'no'. It is frustrating because I don't have any access to my money. I cannot pay for my rent bills and my daughter's daycare. I'm pregnant and expecting anytime soon. The bank won't give me the information I need because it's a legal matter. I believe that regardless of what it is, they (the bank) should give customers the information requested. This bank is terrible and won't help at all.

Citibank starts charging me Bank Fees, for a couple of months, without my knowledge. For more than 30 years, I was a customer of that bank. Today, 2/7/2012, I called Citibank and asked why they charged me $20 bank fees a month. Their explanations were: My bank account package was switched from basic package to EZ package automatically based on a notice they sent out last year in October 2011; and a basic package is I have a direct deposit into the account with a minimum balance of $1,500 + pay at least 1 bill out. The EZ package needs a minimum balance of $15,000. If any account does not meet the requirements of either package, Citibank will charge a monthly fee.

My account met the requirements of the basic package but they still switched me to the EZ package. I don't maintain $15,000 in my account so they charged me the monthly fees of $20. And, except for a large company, who in their right mind would keep $15,000 in a checking account? So this practice targets the small customers, retirees and older folks. After my verbal complaint, they reversed my charges and put me back to basic package so that I will not incur any bank fee. This note is to get the millions of Citibank customers to start realizing that Citibank is stealing their money through their mumbo jumbo lingo. Just think of how much money Citibank had stolen from their customers? It must be in the $20-$30 millions of dollars at least. How can this happen without any supervision from the government entity regulating the banking industry?

Fraud - Extreme amount of money withdrawn from my account. The fraud department refused to investigate. They're telling me to do everything myself. The total is $37000. Please contact me.

I'm extremely disappointed with the process to have my account and debit card at Citibank. First of all, I submitted the application with all my papers ready on Thursday, Feb. 16th. Then I was surprised that I got my account number only by Sunday night, Feb. 26th. Two more killer surprises were when I passed yesterday (Wednesday, Feb. 29th) by Citibank Salah, Salem to deposit money into my supposedly opened account, I was told that the account is not yet activated and I have to wait until Sunday, March 4th at least. When asking about the debit card, I was told it takes around 10 business days which means that most probably it will come after I travel abroad!

I had too many bad experiences for supposedly an easy issue that I tried to be early and clear about to avoid these problems. For now, I am so angry and disappointed by their services and I need to have my debit card as soon as possible.

Please note that this is an official complaint against Citibank Egypt on 27th of February 2012. I was suppose to receive a total amount of 3,200.00 EGP in account number ** under the name AbdelRahman ** ** through a transaction from Sara ** **. However, the transaction was made by mistake to another account. Although, the account name is different and the account number is different! I am in complete shock and words cannot express how angry I am at this point. Due to this mistake, I had to go through several problems and hassles to settle a lot of related situations.

I have been a Citibank client for the past 5 years. I own a credit card and I am taking 2 loans (personal and car). In all my years with Citibank, I have been a perfect model client. I pay my bills on time, all my instillation are in order and I was never late. Because of this problem, personal loan installation was not transferred to the bank and I got the most disturbingly aggressive call from Citibank regarding my installation. Their employee actually had the nerve to use abusive language and tone with me, not once but sometimes 8 to 10 times a day during my working hours and other indecent times! Not only did he do that, but he actually hung up on me in more than one call!

A few days later after the first couple of calls, my credit card was blocked and I had no access to it and nobody from their bank was able to explain to me why! Moreover, I started receiving a lot of disturbing calls from several strange numbers at different times, which I am sure, is related to the incident. I also got more than 10 calls from different Citibank employees discussing my account information, which tells me that there is no confidentiality when it comes to client's accounts. How do I know and trust that my accounts are safe and that my personal account information is not being discussed openly among Citibank employees, let alone the whole banking community in Egypt!

On another topic, on October 2011, I settled my car loan with Citibank and I never received my checks and or the lean mark traffic letter from their side until this minute! The carelessness of their employees cost me 10,000.00 EGP as a penalty payment when I sold my car! Until this minute, the reason behind this delay is absolutely unknown to me!

My account is due to closure in a couple of days. I'm trying to send a wire to a friend of mine before it is over. They have been blocking the wire for 3 weeks saying the cannot contact me but this is not true. First they had my wrong phone number but I'm in Russia now and I have a Russian one which I can not put into my profile. I called them 2-3 times and was always asked to resubmit payment which did not help either.

This is a real pain to work with support: each time, a new person does not know the situation and is of no help. Now they've blocked my account because I did not put my account number in addition to password. And I should not remember my account number, should I? Since I am not in the US, I can't come up to the office which would solve all that. But those problems are unbelievable.

In January 2012 I needed to make use of one of the balance transfer checks Citibank sends with their statements. The check had an expiration date of 2/6/2012. A few days later, Citibank called to say the check had been returned because it had expired in July! I was sure the date was Feb. 6th, so I asked them to send me a copy of the so-called expired check. Today, I received the check along with a letter saying that their investigation revealed that the check had been cashed.

I called Citibank only to have a woman insist that the check was expired. I still don't know, because they were not able to tell me whether the check had been cashed or not. I also do not understand why they insist on saying the check was expired when I have a copy of the check right in front of me, which has an expiration of 2/6/2012. I have had to go through the embarrassment of having a check bounce, and Citi cannot even explain this letter, sent by them, about the status of this check. I am very angry and dissatisfied with the bank.

I had 2 neck cervical fusions in Jan. During one, I almost died. I sent in my payment and explained (in writing) I was short the extra $60 they were charging me ( my rate went up again). as I only had so much in my budget. They started calling me about the payment. I explained again on phone and they wanted me to make another payment again. I said I won't have money till the end of month. Then the calls were every two days. Finally after the third time I explained it, I told them I would not be taking their calls anymore. I have 17 missed calls and three voice messages from 2/17 to 2/23. Isn't this harassment? I rarely have this kind problem. I just called again and spoke to a rep and explained it. He said everything was noted in computer so we'll see if they keep calling.

Please help me. I have been attempting to close my Citibank checking and line of credit accounts since 3/5/09, to no avail. Instead, I have been fined and my previously stellar credit rating has been ruined. I beg you to read the timeline that outlines the chain of events and help me. I am at a loss for what I can do and feel I have tried everything short of retaining a lawyer.

3/5/2009: On or around February, 2009, Citi began surcharging accounts for using their previously free line of credit services. As a result, on March 5, 2009, I attempted to close the account with the teller, Cheryl, who was located in the branch at MasterCard Worldwide headquarters on Purchase Street in Purchase, NY.

6/11/2009: For some reason unknown to me, the account was never closed and I was not made aware of this until I began receiving letters and phone calls in June of 2009 that there was an outstanding balance. I again visited the same branch, where I was told that Cheryl no longer worked for Citi and there was no record of my attempt to close the account. I again attempted to close the account and again paid the balance I was told was due and again was told the account would be closed.

6/10/2010: I heard nothing again for one year, when, I received TWO separate letters, both dated 6/10/20101, both stating my account was past due and each had a different amount that was due (see attachments marked #1 and #2). I first tried the same branch and was told that neither of the people with whom I dealt worked there anymore and I should call the collections number on the letters. I immediately called the phone number on the letters and spoke to someone named Jay who claimed to be a supervisor and who claimed would address and clear up this issue once and for all.

1/2/2011: On or around 1/2/2011, I received a statement that showed an open account, still with a balance. (see attachment #4)

1/9/2011: I wrote a letter to Citibank, outlining the background and my outrage. You will also see on the letter, attached as #5, that I demanded to have this resolved once and for all, asked for a letter showing this and for it to be rectified on all 3 credit reporting agencies. I sent the letter via regular mail, with all the same attachments as listed on this letter, as well as filed the letter electronically through the Citi website, which I received the attached canned email stating that there is nothing the person could do (see attachment #6)

3/1/2011: On or around 3/1/2011, I received another statement (attachment #8) for the time period of 2/1/2011-2/28/2011, showing a higher balance, due to interest, still on the open account that was supposed to be closed for two years.

6/10/2011: I again called the 800 number, escalated to what I was told was the resolution department, who mailed me the letter shown in attachment #9, which states the account was paid in full on 7/12/2010 (even though it was actually in 2009).

10/23/2011: Regardless, in September 2011, I began receiving nasty telephone calls from RAB Inc., ridiculing me and advising me to start paying my bills if I want to stop being harassed. These calls were followed up with a letter from RAB citing an open balance that had been sent to collections. (See attachment # 10)

11/1/2011: On 11/1/2011, since I was getting nowhere calling Citi, I attempted again to visit a branch, this time the branch located on Wall Street in New York City. I was told that this account was out of their hands since it had been placed with collections and that someone from the escalation team would be in touch.

11/4/2011: In response to my trip to the Wall Street branch, I received attachment # 11, which is a letter stating that I need to call a third party.

2/14/2012: Today I tried to refinance my home and was declined due to ONE NEGATIVE from Citibank showing my account was closed and was written off in January, 2011

I am not making any more phone calls or wasting my time visiting any more Citibank branches. This letter is being sent in hard copy, with all attachments, to as many people as I can find at Citibank, the Federal Reserve, Consumer Affairs, the Better Business Bureau, the National Recovery Management Group (as listed in your last letter tome) and whomever I think of after I send. I want my credit fixed immediately and accurately, and I want this mess resolved once and for all. I have made more than a fair number of attempts to rectify a situation that was not in any way caused by me. Citibank is not too large to be exempt from the law and this is inexcusable.

I did a wire transfer to Philippines from California coast credit union and the money never arrived to my wife's account. The credit union claims to have made a trace and it supposedly arrived; of course, they cannot provide me with written evidence. I also should note that I have made three previous wire transfers to the same account with no problems. What can I do and who has the liability?

Since three or four months ago, my cash statements do not reach me as I want to know what happened to my account. I made 3 calls to your customer service and they do nothing. I want to do something about this case and also to change my address so my cash statement reaches me.

Citibank charged me a $25.00 in fees when I closed my account earlier. The first $15 was a general account fee (after the account was closed) and the 2nd was the automatic 10 dollars for the overdraft protection because the accounts were empty at the time. The teller's logic was that the account was empty, so they had to activate the overdraft. But this doesn't make sense. If the account were closed then how could they deduct 15 dollars plus the 10 from my final check from the bank? It's a bug in their system. Do not bank with them.

I am a Citi prepaid customer and for some reason while making a payment to T-Mobile my card was being declined because it says my authorization code was not matching. The information was verified but it still didn't go through. When I contacted the bank the rep didn't even know what an authorization code was. On top of that I had to resend an authorization code release from T-Mobile to the bank 3 times for 2 separate transactions which had me without funds for up to 5 days. This was totally unacceptable that there isn't any other process that can be done due to it not even being my fault. The reps are not knowledgeable on issues and the supervisor was very rude and did not care about my issue whatsoever. So now once again I'm left without money for an unknown amount of days and still left with unanswered questions as to why my codes aren't matching. I am very angry and dissatisfied with the way this process has been going and very upset with the level of customer care.

After the financial meltdown, we have a Citibank credit card with a low balance, up to date on payments. Up to this point, we were current on payments. Then, they arbitrarily raised our interest to 29.9%. We went to a lawyer because we could not afford all the cards raising their interest rates. We filed Chapter 13 to renegotiate and pay a lesser amount. This has been over a year and they have refused to negotiate. We have been getting collection call from India under anonymous and private number to disguise the collection companies. They were often rude and threatening. They were told by the lawyer to not contact us but him. They kept on harassing us, wouldn't settle, and are now billing us for the amount owed and thousands of dollars for interest.

Our lawyer told us to ignore them. He has been telling Citibank not to contact us as the matter is between him and Citibank. Citibank uses different and hidden phone numbers. They raised our interest way too high and forced us into doing this mediation. I believe they have affected my husband's credit score and are trying to bully us into paying what they want. My husband was unemployed during this time. We lost our savings, money in the stock market, and we have no money for expenses conceived by Citibank. Plus, they brought on the situation by raising our interest rate. I believe they are not following regulations by ignoring our lawyer and our attempt to settle. We would like the bills to stop coming and the harassing phone calls that can't be traced.

My current interest rate is 19.99%. I received an offer in the mail for new customers for a rate of 12.99% on a different type of account. I called Citi to lower my rate and was told they could only lower it three percentage points. I explained the offer I had received and that I had been a customer for 10 years. The woman told me to fax a copy of the offer I had received and they would apply that to my account, switching me to the type of account listed in the offer.

The day after I went through the hassle of faxing the information to Citi, I received a letter stating that it could not be done. I called back and was told the best rate would be 16.99%. I am very disappointed that a company that has made so much money off of me is more worried about new customers than long-standing customers. I am also very angry that they were 'bailed out' by the government using my tax dollars and now treat me like this. Be warned. Do not open a Citi account of any kind!

My wife and I opened an account in July. The promise was airline miles and no fees for a $10,000 deposit. Earlier, the deal with American Airlines went south. I just opened my statement and saw a $20 dollar fee. I called to inquire and was informed that the no fee limit had been arbitrarily raised from 6K to 15K as of December. We received no notification.

Infuriated, I closed the account. Another $20 dollars was deducted for January. I am fortunately in a position where $40 is relatively inconsequential. Yet, the absolute brazen piracy is amazing. I should move to Somalia. Needless to say, the agents were buried in the middle of another country and were unable to answer anything beyond the script they were given. Hopeless, I now understand the anger of so many at the banking industry. We bail them out with our tax dollars and they lie and cheat. I am not happy.

I contacted Citibank to apply for a balance transfer. I told this to the representative up front on the phone and she said she could assist me with that. At the end she said it could not be processed yet and needed further approval and she was going to transfer me to another group for more information. It turns out she was just trying to get me off the phone. She had already processed my application minus the balance transfer.

The next representative did not understand why I was being transferred. When I told her the only reason I called was for the balance transfer, she stated that she could have added that to the application had the last Representative, not approved it already. She said I would have to wait 7-10 days for my card and then call back to do the balance transfer. At this point they had wasted thirty minutes of my time already and were telling me I would have to call back in and start all over. She continued to state that it was the previous rep's fault and that if they had not messed up I would be able to complete the balance transfer request.

I asked to be transferred to a Supervisor who stated they could not help me either. She kept saying the application is locked and I would need to wait for the card. When I told her how upsetting this was as a customer, she stated that this was the mistake of one representative and that I would just need to call back. She refused to allow me to talk to a Supervisor above her and provided me an address to the complaint department. She stated that it didn't matter if my balance transfer request had been included because it wouldn't go out until the card shipped anyway. I explained to her that it's not about how long the balance transfer takes, it's about the time and frustration on my part for having to call back in and start all over when they could have processed my request in the first place. She was unconcerned about my issue and continued to talk over me. I was upset and ended the call.

It is clear they weren't concerned with my needs or why I was calling. They only wanted to sign me up for a credit card and get me off the phone. Because of the terrible customer service, I am going to cancel the card when i get it. This will most likely negatively impact my credit score, but I would rather have that happen then stay with a company that treats customers like badly.

I received a phone solicitation about signing up for "Payment Safeguard," and without even acknowledging anything, the person on the phone told me I was being signed up. When I started to say "no thank you" they hung up on me. I received the information in the mail a few days later that I had been signed up, and was going to be billed at a rate of $0.69 per $100 of the credit card's balance. I now have to call to cancel. This is a total scam!

I too was deceived when we both opened a checking account and received 25,000 miles each and was shocked by the 1099-MISC form received for $625.00 each. I've confronted the local branch office and have given them a week to resolve it. Meanwhile my suggestion is to return any future offers in the prepaid envelopes empty so they had spend the time accomplishing nothing.

Citibank offered my wife and I by mail 25,000 AA FF miles to open a checking account early in 2011. Much to our surprise we both got a 1099-MISC for $625.00, which means we have a tax liability. We were not informed of this when we signed up by the person at Citibank that took our apps. Shame on them. We could have bought miles at the same rate. Why would anyone pay to open a checking account? We now have a tax liability that we were not aware of.

I noticed other complaints on this same issue. Citibank offered 25,000 Advantage miles to open a checking account. The only thing stated on the disclosure was "Customer is responsible for taxes, if any." To my surprise, I received a 1099-Misc form for $625.00 of additional income I now have to claim for this offer. I agree with the others that Citibank is using deceptive practices and is not providing enough information in their disclosures for consumers to make informed decisions. It should have been made very clear that by accepting the offer, $625 would be reported as taxable income. I would never have opened the account and taken the offer if I knew this would happen.

Citibank offered 30,000 American Airlines FF miles for opening a checking account (like they do for opening a credit card) for 6 months. The miles were posted to my account.

In Jan. 2012, I received a $750.00 tax liability 1099 notice for these miles from Citibank labeled, "other income" for opening the checking account for miles. No disclosure at all upon opening the account of this outcome was offered. Only now receiving the liability have I been informed and they will not accept back the miles they gave me as payment to expunge this liability. Had I known, I'd never have opened the account. They are using deception and misleading lies to extract ignorant customers to use their services as business for them.

This is to inform you of the less than satisfactory customer service I've received from Citibank. I went to St. Maarten this past November for a one-week vacation. I was told prior to the trip to refuse the rental insurance since my Citi Platinum card covers any issues that may arise. Well, during this trip the rental car was stolen from a beach parking lot on the second day of the trip. Now I'm finding out that Citi in fact does not cover me with this loss and I now need to deal with a 3rd party insurance organization MasterCard Worldwide.

Since returning home from the trip I have been sending the required documents to MC World for the past two months. Now, to my shocking surprise I was charged $13,743 on my card this billing cycle. This charge has now put me over my allowable credit limit and seized my account. At this point, I now need to be concerned with increased percentage rates and also potential fees, not to mention the inability to use my card this is beyond unacceptable! I have been in contact with both Citi and MC World on this trying to expedite this case.

When I asked today what the holdup was on this case, I was told that December and January were busy months. This is also an unacceptable answer as to why I've been put into this situation for something that I was told I was not responsible for. I will never again refuse the insurance when traveling due to the unbelievably frustrating dealings that I have had to endure throughout this process. I've placed multiple calls to both MC World and Citi with no current resolution. I expected a lot more from this organization.

I had a People's Bank credit card for over 25 years. They were taken over by Citibank but they kept the card the same. I did a balance transfer from one account that was Citibank to the People's Bank account. They said this was allowed because they were both owned by Citi. They bounced the check and made it sound like I wrote a bad check on the account and froze the account. It was so embarrassing. I spoke to about 20 different employees who assured me the account would be reopened.

The account kept getting denied. It was never reopened then they sent me an application from Citibank pre-approved for a credit card. I submitted and and got denied and told that I have to go on Experian to find out why I had to pay $30 for a credit report. My credit is perfect, in the 700 to 800 range. The only problem is their card that they wrong froze the account. Now, I am out $30 again because of their poor customer service

In October 2010, my Visa card service was interrupted. I knew I had just made a payment so I called to see what was wrong. They claimed I had not made my payment that month. I knew I had made a payment online so I asked them to tell me the date of the last payment they received. The date they recorded the payment was the last day of the previous month. I made the payment that day because when paying online, it said it could take 48 hours to process. Well, the payment went through that day so they credited me for 2 payments in one month and did not give me credit for the current month.

Not only did they interrupt my service, but they also raised my interest rate to 29.9%. They assured me that if I made my monthly payments on time for the next six months, they would lower my interest rate. It has been well over a year and I have made every payment on time. I requested an interest rate decrease and they responded that they couldn't. I was never given a reason. I continue to pay high interest on a card and it will take me even longer to pay it off. This multibillion dollar company is raking me over the coals and I am certainly not rich. I am a single mother who is barely making it.

Exorbitant fees by Citibank. Citibank has started charging exorbitant monthly fees if a customer does not keep a monthly average of at least $1,500 in checking/savings. Plus, I have had an authorized overdraft for years, through which I was charged pennies through their CheckingPlus account (a virtual account from which Citibank withdraws money to cover the overdraft). Nowadays, its $10, even though I always have money in my savings account. As a result, this month, Citibank charged me a total of $24 in fees. The fact that they changed their conditions still does not make it right to charge these very high amounts. This is clearly extortion, especially with long-standing customers.

I received a personal letter offering balance transfer of 0% for 18 months expiring 1/13/12. When I called to redeem I was told offer was no longer available. I believe this is a bait and switch scam because I was offered 0% for 12 months. The letter had my account information on it, so it was not your typical balance transfer offer. They still won't stand by their offer.

I tried to withdraw the amount of Rs3000 from my saving bank account of Axis Bank Card from the City Bank ATM installed at Korum Mall Thane, at 21:04 on 31.12.2011. But I did not get the money and and the ATM slip displayed "0614 Dispenser Failure Request not serviced-Serial No.005458". When I checked my account next day, to my shock, I found that the account my Axis Bank account shows the debit of same Rs3000 which was not dispensed actually.

I request you to please arrange to refund the amount immediately. If my complain is not attended within 24 hrs then I will be forced to escalate the complaint to IBA & RBI.

Mukesh **

I need clarification for this issue. I am a CITI Bank account holder. I tried to withdraw the money Rs 10000 from Andhra Bank ATM near Secunderabad Railway Station (Ranga Reddy Dist, Andhra Pradesh) on 09-Dec-2011 around 07:57 pm. The amount I received was Rs.7000 and no cash was dispensed or stuck in the machine except Rs7000 (6 denominations of Rs.1000 and 10 hundred rupee notes). I tried again but I end up with same error. I thought some network issue or technical difficulty with the machine .

As I have seen many issues in the past and every time I looked at the ATM center it always an issue and most of the time it was closed with a board outside not working. However, due to an urgency I have opt for an ATM which is very near to my house and tried thrice after a declined transaction but no go. I then went ahead and tried a set of numbers present in the ATM center to contact the Andhra Bank and all the numbers were not available. So I went ahead and contacted my Citi phone services and alarmed them about the situation and they promised to give my own money in the next 24 hours saying that the transaction was not done from a CITI Bank ATM or else they would have given an instant credit.

However, after a long conversation they took my complaint with a worst customer service note. However, the shocking incident was when I received a message on my mobile on 27/12/2011 saying a debit of -2951.35 was done which was told by the Citi phone officer saying investigation will take 7 business days. When I tried to contact the Citi phone services multiple times with valid information and details of mine could not get connected to them. However, when entered my credit card details was able to connect to them and get transferred to the accounts department where I have to confirm the details once again and the resolution offered by the lady was the transaction was an invalid as told by me as they did not find any cash left in the ATM box from where I had an invalid transaction. Also she says they have already done their task by giving a temporary credit (my money) as if they have done a favor or deed to give my own money.

I also took pain of going to my branch office after a long night shift and spend one hour just to get to know the same information which was told over the phone. I also had to write a request letter to them to get my own money. I was happy when I was given a reference number when asked them. I was told to contact the Andhra Bank center as the transaction was done through them. However, I left the office asking an email address to write for customer service complaints and queries. I am feed up with the services as I can't let my hard earned money go in vain because of the problem with the machine and worst customer service I have ever seen. Also, this is the second incident which made me think before I am doing any more business with Citi Bank. I'm worried about my money as the money which I got was for my brother's fees and I had to borrow it to pay it. Please do needful at the earliest.

Twelve pre-approved applications in two weeks. That is one each day the mail is delivered. I consider this harassment!

I had a student loan with Citibank, which was transferred to Sallie Mae. I paid off the loan in full with Sallie Mae, but Citibank continues to bill me $50 every month. I wrote an email to them and received no response. I tried to call but was not able to talk to a representative. This is not just unprofessional, it is criminal. My recommendation is to never trust Citibank to take a loan. Citibank has stolen over $250 from my bank account and has shut down all lines of communication to explain the rationale.

We applied for a home equity line of credit for an interest rate of 3% due to a promotion. In mid-October, we filled out application at the bank and were told we just needed an account with direct deposit, which we opened. Two months later finally, we get a call to schedule the closing when they inform us we had to have a minimum of $6000 in the bank to receive the promotional rate.

At no time were we told of this and the worst was we had the funds until recently, as we decided to pay off some credit cards. We would not deal with Citibank ever again.

Citibank mistakenly sent out an international wire transfer twice within two minutes after the first one. The amount was for $2,975.00. Citibank does not admit to their mistake saying we initiated it. We made a wire instruction over the internet to send this money to a potential Bali supplier. To do this, you need a special password and an ever-changing numeric token.

Only one person does this in our company and she will not go through all the trouble of making the wire instruction again within 2 minutes. The bank first said that she pushed the send button twice, but it doesn't go like that. You need to plug in a new token number and you cannot make a simple mistake like that. Later, they changed their position to say that we must have made two requests. The problem was that we did not notice this duplicate until a month later.

The products were never shipped and the shipper offered to send the money back. They did send the money back, but only for the first transfer. We didn't know that there was a duplicate sent out at that time.

I tried contacting the supplier, but he is unreachable. I asked for confirmation number for the second transfer, but no information was given to us. See below for our email track.

Us: Dulce, it's been some time now and I was wondering how the research was going?

Citibank: It had been rejected; you will need to contact the beneficiary directly for reimbursement.

Us: What do you mean by rejected'? I would like to hear the reason why.

Citi: The receiving bank needs an authorization from the beneficiary to return the wire. If the beneficiary refuses to give the authorization, the bank cannot just debit their account to send back to you. This is why it was rejected and we suggest for you to contact your beneficiary directly. We also research that the wires were sent from your office with different passwords and token number, it is not that the bank had sent duplicate wires on its own.

Us: The recipient of the wire is no longer reachable. We found out about the duplicate transfer a month later and the recipient was long gone. I understand that the receiving bank would not return the money without the account holder authorization. We did a research on our end, too, and we only have one confirmation for one transfer. What is the confirmation of the second wire?

Only ** has the password key chain and she did not go through the process of making the transfer twice. The process for wire over internet is not simple and requires token, as you know, and she would not do this twice within 2 minutes interval.

Citi: We have researched this matter thoroughly and the conclusion had already been discussed. The issue had been escalated and researched again with the same conclusion: the wires were sent separately with different password and token ID. We consider this matter closed with no further responsibility from our part.

I regularly transfer money from Australia to Indonesia for business. I would expect to lose $30 maximum in transfer fees with most other banks. On this occasion, I transferred AUD to USD account at Citibank Indonesia, the result was I lost $300 from a 3k transfer. We called Citibank Australia who requested us to call Citibank Jakarta. It was impossible to receive an explanation by telephone. We finally received a reply in writing after sending several letters, explaining we were charged standard bank fees and exchange rates. At the time of transfer, the AUD and USD were $1 for a $1. I'm still requesting a full break down of fees and exchange rates for the transfer. Be warned if you are transferring to a Citibank in another country. I lost 10% of my transfer.

I had $2k transferred to Citibank investments when I left my previous company. I tried to transfer the money to another company. Citibank made me jump through many hoops before they would do the transfer then they charged me a $75 transfer fee. I have moved monies from many different investment companies without ever being charged a fee. I think Citibank is a bunch of crooks and I will never do business with them again.

Citi has lately started to take great liberty in allocating payments it receives for specific credit cards. In my case, they twice claimed they didn't know which account the payment was for. That would be fine, just return the check. Instead, Citi cashed it but wouldn't credit it to the account for an extended period of time. Reading the posts here, it strongly suggests that Citi may be near bankruptcy and needs to funnel money away from consumer accounts. I would not be surprised any day to read Citi had indeed failed. Obviously, I've closed out that credit card and avoid Citi like the plague.

I notified Citibank of an unauthorized charge. However, rather than stopping the payment, they demanded that they issue a "conditional credit," which meant that if they decided in their favor, they would charge me a late fee + interest. Surprise, surprise--they decided in their favor, despite all evidence to the contrary. As a result, I have decided to just cancel the card. Citibank has lost a customer of over 12 years, and their reputation. I did not pay the charges and ultimately prevailed based on the facts.

I received a solicitation for a credit card for which I decided to apply. I have very good credit and I have never been turned down for a credit card until Citibank. Apparently my good credit was the problem. Since I pay my bills in full, they said I did not qualify for the credit card even though that was not disclosed as a requirement in the solicitation. I was intentionally denied since they would make any money on my relationship.

I will never do business with Citibank again and will advise all my family and friends to do the same.

You keep shouting for help but the customer care managers, offices, and supervisors will not help you, rather, they will suggest you to seek settlement of the card, even though you are ready to pay to them. I am getting sick due to stress.

Hi, For the last 6-7 months or so (from May, 2011), CitiBank, India, mainly the Higher Management staff has been harassing me and cheating me in many ways. I have been the CitiBank Credit Card holder for more than 8 years now and I have been paying my monthly dues before time and never missed nor paid any interest so far for these 8 years, and yet they have been harassing me by not providing proper service. Also have in multiple occasions stated that I could go any length of suing them if they wish as they belong to India and nothing can happen to them.

Now the management has denied my allegations against them stating that they have not done anything wrong and stated that I could even file a case as they feel that no court nor any law can find fault and punish them, especially the higher management staff. I need justification in this regard and wanted to know how to proceed further.

I pay my credit card monthly due in full, as I paid my August 2011 account via check. I was telephoned by Citibank customer service, and told that no payment has been received for August 2011. I returned the call and gave the service representative the check number, and the date it was mailed. She checked Citibank's system, and stated that the check had indeed been received, but was credited to the wrong account. An account with no relation to my account.

She stated she would transfer the payment to my account, and that everything would be corrected. A few days later, I attempted to use the card, and it was rejected. I, again telephoned Citibank, and explained the situation, and asked that they simply correct my account, send me a statement for anything owed on the account, and terminate my account with Citibank.

The following month I received a statement which contained the legitimate balance for the card plus fees and interest for the Citibank error. I, again, telephoned Citibank and explained the situation again. The service representative assured me that the matter would be corrected, and any balance owed me in the form of rebates, would be reimbursed to me. The representative was told and the conversation was taped, however, the representative refused to provide a name).

A few days later, I received a letter from Citibank, stating that an investigation had been completed, and the amount credited in the dispute would be added to my account the following month. The letter listed several steps to reopen the dispute, including sending proof that the amount was paid. I obtained statements and letters from my bank, stating the date and amount in dispute, had been credited to Citibank- Citicard on a timely basis. The information was forwarded to Citibank Service Representatives via certified mail.

No action has been taken by Citibank to correct the problem to date. I have felt embarrassment, as the card was summarily canceled without cause, and untold hours of frustration, and aggravation, dealing with a company represented by liars and thieves.

I have a savings salary account with ICICI Bank. Last weekend ICICI bank deducted about Rs 14,000 from my salary account. I called ICICI customer care and they told it has been linked with the credit card I used to have around 3 years ago. There was a disputed amount of around 3-4 thousand which after my repeated complaints, was never taken cared of and it seems that they kept charging interest and other fees. I have always been willing to pay all the genuine expenses I have made through the card, however, the bank should refund the unreasonable charges.

I have asked for settlement but never got any letter for settlement. Now suddenly, they have deducted this amount from my salary account last Monday. As far as I know, the savings account and credit card are both separate entities in the bank. The bank cannot make any transaction without my consent. This is totally unacceptable and frustrating. I even called up customer care but it was in vain. Kindly suggest how can I recover. Any help would be highly appreciated.

I closed my checking account back in March and a balance of USD $10 is still pending for interests or something that didn't show up when I closed the account. I have called more than 5 times to pay for the balance and close the account, but they wouldn't do it. The balance is still due and my credit rating is being affected for something that I hadn't done. Citibank should be responsible for this.

I, by mistake, sent an online payment to the wrong credit card (one I had closed). After I noticed my mistake (15 days later they never sent me any notice), I called Citibank. They said they would send the money back within 5 business days. 6 business days later, I followed up. They said they didn't send the money, because they needed evidence I made the payment. When I asked why didn't they call, their customer support rep said, "We do not have the time or staff to call everyone." Of course, they would telemarket me 3 times a week, but call to help a customer, heaven forbid! I then asked exactly what they needed and asked if they still have my checking and routing number. They said, "Yes it is in our system." I sent a copy of my account immediately and they said it would be 48-72 hours. 48 hours later, I followed up since I by now get how they operate. Sure enough, they said they mailed me the check since I failed to call them (funny they never asked me to!), and my refund would take 17 days since they did not have my checking and routing number! They are the worst bank! I will close all my credit cards and bank account within days.

Sorry to post this here. We are good customers of Citibank Philippines and we are not treated very well. We pay regularly without delay. We just had an issue with one merchant wherein multiple charges appeared. This issue happened last February 2011 and until now it was never resolved.

We are taken for granted by Citibank Philippines. They make promises to look into the issue but we never received feedback at all. We call many, many times but no good at all. We spoke to one Supervisor Erwin ** and said that he will investigate the case personally. After all, he did not do his job. Very poor customer service. He should not be a Supervisor. He is a shame of your company.

We really need our money back. We paid twice already just to avoid finance charges. All of customer service representatives promise to call us but no one cares. We are really disappointed with your company. Hope this complaint will go to the head of the bank.

Double dipping into my checking account and taking payments without my consent online causing me overdrafts. I do not have the money for my mortgage now.

Whenever I punch the IVR OTP, it's telling me invalid password. Please check your server.

Citibank ran a Hard Pull credit on me and my husband without our consent. I wanted to talk to someone at Citibank to see if I would qualify for a mortgage and was instructed to fill out a questionnaire and that, after the completed questionnaire was submitted, I would be contacted by phone by a person within their mortgage department. Nowhere on this Questionnaire did it ask for my consent to run a Hard Pull on my Credit History. I was told it was merely an introductory form to be completed in order to start the process-to speak to a person that could advise me.

When I consulted the Citibank employee as to why he had done this without my consent he was extremely rude and then threatened me. He told me that it was just a 'soft pull'.

I then contacted another Citibank Employee with my complaints and was apologized to over and over again, and was told that this should never have happened, and when I asked this employee to check to see if it was in fact a Soft Pull he informed me that no, it was a Hard Pull. How come these people at Citibank don't know whether they have done a Hard Pull or a Soft pull? Especially when they should understand the consequences and the differences between the two?

Citibank shared my personal information with an unauthorized person. This is totally against international banking rules according to the Institute of International Bankers. Oh, and by the way Colombia is spelled Colombia not Columbia. This situation took place in Bogota, Colombia.

On the month of September, my social security check was deposited in someone else's account in another bank. I called all of my creditors, including Merchants/Citibank. My account number is **. They asked me to send a postdated check dated 10/02/2011 in the amount of $71.00, which I did. Then on 10/04/2011, they debited my account for another $71.00. This was not authorized by me. When I spoke with Amanda, she checked into this and found out that they set up monthly automatic withdrawals without my consent. She did stop the the automatic withdrawals.

I am on social security and my bank account is short by $71.00. I had to go to my bank and stop my present debit card, and then get a new one. I now don't have a debit card for 7 to 10 business days. I just want the $71.00 back and I do not want this to happen again to me or to anyone else.

What a horrible experience! I have used Citibank credit cards for over 3 years. I pay all of my expenses monthly on it and pay it off each month. I'm always on time. I cannot believe the lack of customer service I encountered!

A machine called my cell phone 1 to 2 times daily for weeks! I was up to date on all of my cards, and each time I called in, they said that everything was fine and apologized, yet, the calls kept coming. At this point, it is harassment. If it weren't for AA mileage points, I would have left a long time ago.

Today, I called again and invested another 35 minutes to this issue. The first two people that I talked to could not find a problem. I asked to speak to the manager and was told that he/she was busy. Then I said that I had to talk to someone else because these calls must stop and they are not getting it done. They had me call another number and talk to customer service.

After the first person had trouble finding a problem, I assured him something was not right. I kept getting calls, and he must find it. He eventually found a closed account that I had paid in full that had a couple of transactions slide through after I closed the account with a representative. I no longer had access to the account because things were paperless, and I had shredded my card. I didn't even know what the card number was. So, after talking with the representative, he would not credit my account of numerous late fees and finance charges.

I asked to speak with the manager who eventually credited my account of the late fees but made me pay the finance charge. How absurd! I have been harassed though I have been an excellent customer, spending in the upwards of 3-5k a month for them and pay it off each month. I cannot believe this lack of service and incompetence. I will be changing cards soon. Steer clear of Citibank! They are in business to serve themselves.

Shannon

I had deposited a money order of $500 through an ATM machine in a Citi Bank branch (New Hampshire Ave, Silver Spring, MD), on 09/02/2011. The money showed up as credited on my account on the 6th and then on the same day it was subtracted. When I contacted the bank to know what occurred they informed me that the check was damaged, they suggested that I call the customer service about this issue. So I called customer service but they told me that they would investigate on the matter.

And then weeks past and still I hadn't heard anything from them. The money still didn't appear on my account. Again, I called them and even went to the branch where I had made the deposit. Then they told me that they can most probably provide me with a photocopy of the money order so I can cash it. Same thing again, I didn't hear from them for weeks. Helplessly, I contacted the customer service again. This time they sent me the photocopy of the money order so that I can go to the bank and get the money. The bank refused to credit the money to my account saying that the photocopy wouldn't do. The bank manager absolutely refuses to help me in anyway. Now it's not a trivial amount of money that I could just overlook and forget. I really don't know what else to do. I have called them several times now, messaged them and went to the branch too. It's been a month now. It seems that my money is as good as lost.

Let me post here the link where I vent my grievances because I couldn't find any site where I may write you guys about what happened this afternoon when a certain Melody ** sarcastically told me something that made my day! I didn't expect to come across such customer relations employee who doesn't know customer care! This is the site: **. Please hit this link so, more or less, you know my complaint that was even disrespected by this aforementioned employee of yours!

I suggest that please include a portion in your site ** where your clients may vent their grievances! I saw Citibank India's site and they do have a portion where their customers directly communicate their complaints. I had a hard time looking for one and sad to say, I didn't see any!

It's good that I posted in the former site I mentioned here and Mr. ** texted me and called me, gave me your email address. Had it not been for him, I don't have a way to complain against Melody ** and please, please, please retrieve our recorded talk over the phone when she called me and I thought (same voice as the last one who called me, please also check if she was the same person because she said it was her first time to call me and her concern was different!) the same lady who called me with this cell number **. So upon hearing it was a call from Citibank, I right away told her my complaint that I didn't receive any statement in my spam emails. I've been waiting for them!

Please also retrieve the call prior to Melody's because the agent then advised me not to pay the remaining balance in full because of some reasons I didn't bother about because I am so busy here in Baguio City. I expressed my intention to cancel my card! Then this Melody will tell me that she will charge me with a membership fee? Your card caused me so much headaches! Honestly, it was my first time to use it last November when I gifted my church with a Magic Sing mic! At first, I was not receiving any statements from your couriers, I received like 4 months delayed all 4 past due billings! Then only to find out I was charged like P2,000 (P500 each) penalty charges, good thing the one who called me reversed them!

Then I requested for an online billing, which I didn't receive so the customer agent voluntarily informed me she will reverse again the penalty charges! That lady informed me that they got some clients who didn't receive their e-statements in their regular mailbox, but they got them in their spam mails! She hang up and for like two months, I was opening my spam mail box, but no such billing notices there. I don't usually access this spam, I only delete them! But the inconvenience of looking at it for two months is not that convenient for a very person like me!

After that call from Melody that made me furious, I tried to surf in the Internet, and finally, I was able to access my account through your Citibank credit card online something! I was shocked to see the statement for the month of 09-20-2011!

Shocking for some reasons:

(1) For two months, again I was charged penalty fees of P1,000.00. Please reverse it as you usually do it as you acknowledge it was always your fault and we clients absorb the stress caused by an overcharged bill!

(2) Despite my intention expressed to the customer agent who called me prior to Melody's very annoying conversation with me this afternoon, I was charged a membership fee of P1,800.00. Reverse it please, I don't have any intention of using your card anymore after all these inconveniences. In the first place, the guy who introduced me to this complimentary card told me that I won't have any membership fee for two years. So it was truly shocking to see such a charge on my account, what misrepresentation! You better reprimand your sales agents to just tell the truth!

(3) I am enclosing here the statement I saw out of my initiative to look for it over the Internet, and the total amount due me is P3,251.79, truly bloated and unreasonably shocking! When after paying my last bill of like more than P1,000 pesos as advised , I know that I got only like two to three months to pay a monthly bill of P491.66! and that settles my horrible usage of your card!

It's good thing that Mr. **, Glenn ** and ** who had bitter experiences with your company helped me and encouraged me to join their group who totally disliked your system! I just want to cancel my Citibank credit card, pay the remaining two months arrears, and period. I wanna keep quiet!

You may check with Smart Philippines how they apologized to me about my complaint against their P12,000 overcharged bills. Their customer care top management group personally apologized to me and asked me not to pay any amount any more, even though there must be a penalty charge because I didn't finish the contract!

Same thing happened when I went to the President's office all the way form here (Baguio City) to complain about the overcharge of P77,000 in my two months bills. They apologized and revered all including the two months consumption of their Internet services! Until now I am connected to Globe!

I know my rights because I worked in USA for several yrs! So please, meet my requests to reverse all those charges! I am willing to just pay the balance! And please cancel my credit card!

Also listen to my conversation with Melody ** who claimed that she handled my account and then later told me she may handle my account and help me, but didn't have the intention to continue with her concerns because of my blah-blahs!

Please listen. If I may continue with my previous statement, I anticipated that Citibank will call about the statements that may have landed to my spam mails! So When I heard her from Citibank, automatically I vent her my sentiments that I didn't receive any from my spam, et cetera! Her answer should be, "Oh, sir, although my concern is not about your billing, I will be willing to assist you," et cetera. No, that was not her reply. She was so sarcastic!

Please retrieve it so you may send her back to basic customer relations seminar! I demand that Melody ** call me again to apologize! I worked for Quest Diagnostics, San Juan Capistrano, Orange County, USA, and we are always apologetic to our clients! Melody is so rude to the max! She even stops me when I talk and put right before my face that I never listen to her so she would not anymore tell me her concern! The blame was put on me! It wasn't my fault if at the outset when I received her call that I did inform her of the no-statement in my spam mails! Please reprimand her and ask her to call me and ask for apology!

May I hear from you before I finally decide to go to the President's office of Citibank, Makati! I did it already with Smart and Globe Philippines!

I have been a Citibank customer since 1984. I have a Citibank Air Miles card. The card had an annual $25.00 membership fee in order to get the miles benefit. I paid the annual fee for many years. Several years ago, Citibank added another $39.00 reservation fee per ticket when the miles were redeemed. I just want to redeem my mile. The program expires 10/28/11. Citibank had provided me a notice in April 2011 that they were closing the program in October. When I went to redeem my miles, I was told that the minimum number of miles per ticket was 2,500. This was not in the April 2011 program ending notice.

I had 3,400 miles over many years. I wanted to redeem for two (my wife and I) round trip tickets to Charleston, SC. The 2,500 minimum rule prevents me from redeeming my miles for two tickets. The policy would allow me to redeem one ticket, as 5,000 miles would be needed to redeem for two tickets. Charleston is a 1,400 mile round trip from my home. I don't plan on leaving my wife at home. I can't cash the miles in for two tickets. I should have been able to redeem the miles for two Charleston tickets based on the program as advertised by Citibank when I signed up.

I bought a lot of product on my Citibank Air miles card for the reward--$15.00 for every one mile earned. I put $51,000.00 of charges on my credit card to earn 3,400 miles. Citibank made $1,530.00 from the 3% vendors are charging for the credit card processing fee. They also made about $250.00 for the $25.00 card fee that they charged me for the Citi Miles card over ten years. Citibank has made about $1,780.00 for a benefit and they raised the eligibility to a level so the miles cannot be redeemed. In addition to taking the TARP money, they are ** a 27-year customer. No more.

This is Ammajamm **, a customer of Citibank for the past seven years. Recently (9/20), I used my ICICI debit card at a Citi ATM located at Baghmane Tech Park, CV Raman Nagar. I got a 1000 Rs note which is torn out and nobody is accepting it. I have the withdrawal receipt with me. It is very painful to go to bank branch in Bangalore because there are only two branches in the city. I want to exchange the damaged note but it is almost 25 km to go to any of the Citi branch from the place where I stay. So, is there a way to exchange the note without visiting the bank? Please advise. My contact number is **.

I just made a complaint about Citibank because they won't tell me my limit. I want my limit to go up to $150. They are so hard on me. Then, they do not let me get anything in Macy's. I'm tired of this bank. So, can you people change another bank to help all other customers? Customers complain the same way I'm going to complain on Citibank.

My cousin and I walked into Citi bank branch located at 4464 Van Nuys, Sherman Oaks, CA to open a business account. My cousin opened a corporation here in United States and needed to open a business account.

First of all, I have to say that customer service is non-existing in this Citi bank branch. We walked over to business banker, Susan **, who was extremely unprofessional and just plain rude. She told us she can't open this account because she needed additional paperwork. We had a lot of questions as to what we needed and she couldn't really explain and just dismissed us and told us that she is busy. I talked to the assistant manager who was a lot nicer but we left the bank without really understanding what we were missing.

Citibank received my payment on 8/31/2011 at 11:00 am but does not post it until three days later, causing more interest on our SBA loan. This is the 2nd time in two months that this has happened. We just want the payment posted the day they get the payment, not 3 nor 5 days later.

They have rude customer service. They were demanding to speak to my wife multiple times throughout the conversation. She threatened me when I refused to give my SS. She said that this would delay or prevent. Furthermore, you need not ask for it online nor my annual income. If it is not sufficient, don't send me these offers for more cards and cancel the ones we have now. We will make do with others.

I would like to comment on CitiCorp's so called "assistance." I have had this account for close to 20 years. In the past three years, I have fallen on financial hardship, like many other Americans. A few years ago, CitiCorp set up a payment arrangement with me. I have been making my payments with CitiCorp for close to two years. I am at another financial roadblock and called to see if I could make new arrangements, moving my payments out by one month, essentially asking if I could "skip a payment" and have that amount tacked on to the end of the arrangement.

I talked with one representative and to one of their managers. Quite frankly, they were useless. It made no difference that I was proactively calling and asking for assistance (remember, I have been making my agreed upon payments on time). None of them could offer solutions. I was simply told, "If you miss a payment, something may happen." What does that mean? No one could tell and no one would help. I don't know why I am even bothering to pay them. Oh yeah, I know now. I am working hard to do the right thing instead of walking away. I guess they don't really care either way.

It gets even better. When I tried to send them this email directly from my CitiCorp account, the system wouldn't let me put any comments in. CitiCorp doesn't want to hear from its customers. Totally shocking.

It seems Citibank has not cleaned up its act. In fact, Citibank seems to be going out of its way to rip off customers and consumers every which way it can.

I maintain a low or zero balance checking account with Citibank. And I have had the account since the nineties. I always deposit the amount of the monthly service fee into the account prior to the due date. In August 2011, I deposited the usual $8.50 into the account and thought nothing of it. Shortly thereafter, I found myself barraged by harassing calls from Citibank several times a day for an alleged overdraft fee that totaled to 350% of the monthly service charge. When I inquired about the problem, I was told by very rude and threatening Citibank employees that I owed the money and I must pay them immediately. If not, they said that the calls would escalate and the item would be reported to the credit bureaus.

I noticed that Citibank, without any written, other notice, or disclosures to me, had raised the monthly fees on the account by one dollar. This had caused an overdraft when applied to the account. In my opinion, Citibank is a criminal organization rife with idiots and fraudsters, taking their lead from the same management group. They required billions of dollars in taxpayer funded assistance to deal with a vast array of problems due directly to the mismanagement and fraud that took place at the bank, under this style of management. The bank is apparently still under the guidance and control of many of these same people who should have been dismissed, disgorged of compensation, and probably indicted. On a daily basis, as in this matter, it seems fairly obvious that the bank engages in predatory conduct that is both unfair and deceptive towards its customers and other consumers. And the bank expects that if it engages in massive fraud, it will be bailed out of its mess, because it is too big to fail or be punished in any meaningful way. How many millions of dollars did Citibank realize this month by ripping off its customers this way so unabashedly?

I redeemed my "thank you reward points" in the form of a check. I have been calling for three weeks, and they lied why I have not received the check. In fact, I was told it had been mailed. Today, I made three attempts to speak to someone and was disconnected each time. I called back pretending to want to redeem points, and reached someone who told me the third party they have been cutting the checks to have a problem. She couldn't tell me what the problem was. However, she did say it would take five to six weeks to receive the check even though the program says it takes up to three weeks. If you're expecting a check don't! Redeem your rewards in prepaid cards; they only take about a week.

I was notified by the Credit Bureau in the summer of 2011 that I had some recent activity which was negatively affecting my credit. When I ordered the report, it was brought to my attention that this was due to a Citibank account which I had requested to be closed. When I had closed the account, I had roughly $20 and had requested that it just be closed at that point. I had not touched the account for over a year, assuming it was closed. Apparently, there was an error in closing the account. It was left open and I was charged service fees until it went nearly $250 negative. Now, I am unable to refinance due to an error on the part of Citibank.

I have since contacted them multiple times and every time I am routed and re-directed, no one seemingly knows who I need to speak to in order to resolve this. At one point, I was routed to the mortgage recovery department where an entirely unhelpful employee stated that he was "unable to help." When I asked to be directed elsewhere, he was unable to do so. When I asked to speak to his manager, he also stated that he was "unable to transfer my call." I believe he was in CYA mode.

I have spoken to the credit card recovery department, the mortgage recovery department, and have a list of eight unique and incorrect different phone numbers. Finally, I was able to reach the dispute department, where I was given a reference number, a name of a manager and the manager's phone number. I was very specific in discussing with them that, at this point, the only thing that's important to me was to clear the matter up since I wanted my credit history back to normal. I was told that I would hear from them in five to seven business days. I called after seven business days, only to find out that they supposedly had to send me a letter on the same day that I called, and it had mysteriously never arrived.

Now, I ask, when is this such an urgent matter? Why not a phone call or an email instead of a letter that takes five to seven days to (never) arrive? The person on the other end of the phone was able to tell me that the letter stated, "please send a copy of the credit report because we need more information." When I asked her if I could scan and email it, she said that it would not work and I would need to send it via post. Why would all of this need to be done via mail? Is this something that they want to resolve or not? I am wondering if they somehow benefit from keeping this matter unresolved, given the confusion, unresponsiveness, and general lack of effort.

In any case, I stated again that my sole desire was to clear my credit history so that I could refinance. I was directed to the recovery department for this particular checking account, and they were able to give me an address where I could send a check to clear it up. When I asked how long it would take, I was given a vague, "anywhere from a couple of days to a couple of months." When I questioned why, I was put on hold immediately, and when the woman returned, she stated that I would be receiving a call back with the amount I needed to put in the check.

I have not yet received any call back and it is days past now. Since I was transferred to this department, I did not have a phone number, although I was able to find one by searching the address online. I have called and left a message but there has been no call back as of yet. I have also called back the manager who I spoke with in the dispute department. The phone number I was given for this manager Kevin seems to be for someone else since the voice mail did not say "Kevin." I have yet to receive a call back from them either.

I am extremely concerned that when I send the check, it will fail to ever be resolved and cleared off my record. It seems that I am unable to find one competent person at Citibank who is willing to be responsible in resolving this issue.

In May 2010, I obtained a Title Loan for $2,600 (which was the minimum to get as I only needed $1,400) for my Ford F-350 1-ton truck. Me and my boyfriend was making the payments. Then in March 2011, I received a phone call from the Manager of City Loan threatening and stating that we need to make payments. If we do not, then I will see me and my kids on the street walking. I immediately hung up. Me and my boyfriend was in transition at that time to the mechanic's shop to get the F-350 fixed as it was having some problems.

I drove to the shop, however, I allowed my boyfriend to drive into the narrow driveway (as the truck is 24ft long and over 6ft high). Also, this mechanic's shop was in an enclosed fenced area. My boyfriend exited out of the truck to tell the shop owner that we were there. I was in the Passenger seat still as we were, at that time, in transition of moving from Riverside to Nuevo, CA where we are. Before I knew it, there was a rough hit to my tailgate. As this was so loud, it caused my boyfriend to turn around along with the other workers at the shop. My boyfriend went to the woman who hit it and all she was saying was back away from the truck. She did not say who she was but just placed chains on the truck and tried to take it with me inside it.

I was still inside the truck when I asked my boyfriend what was going on. He stated to just stay in the truck and everything was going to be okay. I then heard, "oh, get off of me". I then exited out of the truck and went to the tailgate of it and saw my boyfriend bleeding from the mouth, hands and head. The repo woman punched my boyfriend who is 58 years old and disabled. At that point, I saw another woman ran from the tow truck to my driver's side and locked all the doors, however, the back window on the driver's side was down.

As this was a four-door truck, I reached in and unlocked the door and demanded for her to get out and I do not know who she was. At that point, she grabbed my arm which left bruises and fingerprint bruise marks (I have the pictures). I pushed her off and told her to let me go, at the same time, breaking my middle finger. The owner called the police. The Riverside Police came with a lieutenant, sergeant and other officers. The owner of the shop, Bruce **, showed the officers the video surveillance in which the police told the women that if they had taken the truck, they would have been charged with kidnapping, illegal repossession and assault. The sergeant asked my boyfriend if he wished to file charges but he stated no and he was worried for my safety. However, in the Police Report, it does states that the officer did saw blood from my boyfriend because of the woman who punched him. We do have the picture, witnesses, police report, video and the owner's statement that the women never identified who they were and the damaged they caused to the truck when they baked up into it.

I have a Drivers Edge visa that provides a rebate when a car is purchased.

Two years ago, when I sent my rebate form, Citibank lost it twice. Two weeks ago, I filled out the form and sent it with all required information. The form asks for a VIN and states that a VIN is optional - so I didn't provide it. Citibank rejected my claim because the VIN wasn't provided. An hour of phone call transfers later, to a Drivers Edge supervisor, I was told that I had provided all the necessary information and the check would be forthcoming but what came forth was another reject letter saying that they didn't have my vehicle registration.

Now, on their form it states that a vehicle registration is required 'For Used Car Private Sale: You must send a copy of the vehicle registration if you purchased your car from a private party along with........" Hmm, I purchased my vehicle new from the second largest dealership in Michigan. I feel that Citibank issued a memo telling its people to do whatever they could to not give customers their Drivers Edge rebates.

So far, Citibank has screwed me out of $1000.00. Buyers beware.

Around 6:30pm on Sunday, August 21st 2011, person called my residence stating Citibank calling. I asked her to put an asterisk by my name to not call again on a Sunday. She did not respond and disconnected. After that, I have continued to get a call, computer-generated, every 30 minutes.

Clearly, management needs to do some public service training on their employees.

I have some query regarding my Suvidha account with Citibank. For that, I had made a call on 19th, August 2011 at around 11:48 pm from my mobile number **. I had followed all the IVR instructions and when my call landed to the Citi phone banking officer, there was no reply from his side. It is a worthless service that Citibank is providing for customer care. This is a special feedback for that agent who is responsible for the same.

I went into the Bronx branch on Allerton Avenue (near Allerton Avenue train station) to get some important papers notarized. I spoke to someone at the help desk who walked over to Ms. ** and was advised of my request. She looked over at me, and for about seven minutes, she just sat there before I started to walk towards the teller window. As she came out, she did not give a courtesy hello and did not welcome me to Citibank. She was very unprofessional and her customer service skills were unsatisfactory. I will be closing my Citibank account because of her. She definitely needs training on how to speak with the public.

On August 10th 2011, I visited Citibank branch (Financial Center #001, 120 Broadway) in New York and I had a very unpleasant experience. I tried to cash my Citibank travelers' checks into US dollar but Ms. Leunice, the Branch Assistant Manager, graciously refused doing so because the checks are not in US dollar, but in JPY. She showed me the internal company policy that explicitly prohibits cashing foreign currency TC of non US Citibank clients, and said "Is there anything I can do for you?" with a victorious smile.

I am a Citigold customer of Citibank Spain but no special service was offered. Although I did not expect a special treatment, the way Ms. Leunice ** addressed my question was very impersonal, unkind, and unsympathetic. It seems that the worldwide operation of Citigold is merely a false copy which I found very inconsistent and incoherent.

Later, I was able to cash these TCs in other bank but this experience was left as the most unpleasant in my NY trip.

My financial situation changed as my husband lost his job and hasn't been able to find anything for his age in our area. I had lots of debts and so I am behind on some but not ignoring them; I just can't make full payments.

Citibank won't accept this and they are calling me two to five times a day to settle with me or for me to make a large payment. I do not have any retirement left due to debts and I have no money in the bank either. I am sick of being harassed daily by them and I have explained the situation to them but they just keep calling. I am sick of being harassed all hours of the day and night.

On July 9,2011 in between 3 to 4 pm I did a transaction through the Citibank ATM located in block F. I have the account with ICICI and when I did the transaction, I got a message saying your account is debited for 1,000 rupees but money did not come out from the ATM. I filed a complaint for the same issue with ICICI customer service department, however, they said we are looking for a revert back from Citibank.

I waited for a month in between and kept calling ICICI bank, but after a month, I got to know that Citibank has denied to pay back because they think I got the money at that time of the transaction. Now the question is I am earning 25,000 to 30,000 thousand every month, do you think that I will waste my time calling ICICI bank customer service to get 1,000 rupees. Second thing is, if the ATM was not working properly, why didn't the security officer inform me that the ATM was not working properly? Why was not there a sign stating ATM was out of service?.

I was traveling in India when my wallet with my credit card got pickpocketed. A new one was sent to my U.S. address. But unfortunately, my roommates lost the second card. Now Citibank has this that if they send me a new card, unless I register the new card, I can't see the balance.

I had checked the balance from India, but it was showing as zero and I thought that my balance was actually zero, since I had not used the card at that time. When I came back to the U.S., I found that my account has been disabled and I was told that I can't do anything to that account, since Citibank had referred it to a card collection agency.

After that, I still see that my card balance is shown as zero. Now they keep pestering me with emails, to say that I need to pay my balance off (which I can't see), so that it won't get charged off. I was told that if I make a minimum balance, my account will be online. I pay the minimum balance and it still is not online. Now they tell me that my account still remains closed and cannot be reopened. All this is because of technical glitches and there is no one in their customer service to understand all this properly.

I had a payment plan in place to payoff my account for over a year. Without notice, I was contacted by UCB collections telling me that the account was handed over to them. Contacting Citi to inquire of my account, they refused to give me any information saying my account had been turned over to that agency. If there had been any problem with payments on the arrangement, I would've expected a phone call or letter to clarify any confusion.

I was enrolled in this service even though I did not sign up for it. They charged my credit card a total of $361.96 since February 2011. When I called to complain and have the charges reversed, they refused. I did not authorize the service but they said I might have accidentally signed myself up by hitting "Yes" on a credit card swipe machine. This is fraudulent marketing an easy way to trick credit card holders into opting in to a costly service that they do not want or need.

On previous occasions, I cashed my payroll check with Citibank branch #177 without any incident. On July 28, 2011, I requested from Brenda, a Citibank representative to verify and cash my check. She became very arrogant and hostile and disrespectful to me stating: "You are not a customer of Citibank and we do not have to cash your checks anymore. We were only doing this as a courtesy to our client listed on the check." I explained to her that I have cashed my checks in the past without difficulty. Her attitude was not that of a professional representing Citibank. Customer service and satisfaction should be Citibank's priority. Please address my complaint with your employee with some corrective action, if you feel it would be necessary.

I bought a flight at Expedia.com with a credit card no interest for 1 year offer by A Citibank ad that appeared on Expedia.com at the time of purchase in June 2011. Subsequent statements charged 16% on the purchase.

Customer (no) service ignored our inquiry and was dismissive of our issue. We closed the account and paid it off.

BEWARE OF FALSE ADVERTISING BY CITIBANK, SD.

I complained to Citibank that the money I deposited (Via CHAPS) was not showing in my account. Eventually, after escalating to three supervisors in their Indian call centers, they found the money.

Although I could not help feel that I had upset someone, so what's the worse that could happen?

Well, watch out. My account suddenly became inactive. No Internet view of account; except, to say all my money was available. However, I could not transfer it, use my card, and withdraw cash or ATM etc, for three days now.

This meant I had no access to my money. After over 16 calls to complain, and speaking to the supervisor's manager 'Raksha', they say the technical team is looking at it! No potential response or fix time--just wait.

I believe this has been a deliberate ploy by someone nasty in Citibank; even if it's just pure incompetence, what recall do I have?

The story started on the 30th of last May. I received a phone call from Citi Bank, asking if I would like to install an amount for an L.E 6500 on my credit card, over 12 months. I agreed. On the same day, I received a confirmation call from them. On the 27th of June, I did a formal complaint. I discovered that they said no request was made from my side.

I opened a money market account with funds amounting to six figures. I opened a checking account with small amount. I was told that there were no fees because of the total amount on deposit. Also, I was given (didn't ask for it, but it was given) an overdraft line of credit, in case I wrote a check without having sufficient funds. So, unless a check was presented without sufficient funds in the checking account to pay it in full, the overdraft line of credit was just a line of credit. Unless used, there's no interest charged.

I took out about $40,000 for a real estate purchase, and I moved all of the funds into my checking account. My money market balance went to zero as I intended. CitiBank then hit me with a $30 monthly maintenance fee for having a balance which fell below $50,000. I said to myself, "Enough of that; there are plenty more banks around, which don't charge outrageous fees." I wrote a check to myself for the cash balance in the checking account. My checking account balance went to zero; both accounts are empty. Then, I get a statement from CitiBank that it has shifted funds from the line of credit into the checking account on two occasions. Out of the shifted funds, it has taken another $30 bite for maintenance fees. Now I'm told I owed the bank the money it "loaned" me on the line of credit at some absurd rate of interest, and at least $60 of that are bank fees because I emptied my accounts.

So, a line of credit which was only supposed to be triggered by a check written on the account, for which the account had insufficient funds, was used by CitiBank to put money into my checking account. Without a check being presented for payment, paid itself maintenance fees out of the checking account. Then, they are now telling me I owe the amount drawn from the line of credit, plus the maintenance fees! Thieves!

i have made two deposits one for $80 and another for $100 and the bank has no record of them. Since It is an ATM And it issued a receipt i never imagined they'd lose record so I disposed of my receipts and now they cannot find my transactions nor are they willing to do anything about it. Conveniently enough they are experts at tracking withdrawls even when it isn't you making them. SO not only am I under $180 in missing deposits but they also declined my claim for a $400 withdrawal made while i was at work over 30 miles away from the withdrawl site.

I received a check that could be deposited into my checking account to use however I like. To qualify for this offer, the check had to be posted to my account by July 28, 2011. I deposited the check for $200.00 into my account . The check was posted on June 24, 2011. On June 29, 2011, I received a message from Citi stating that I no longer qualified for this offer. I deposited the check the same day that I received it. I called Citi and talked a customer service rep, Carla. She talked to her supervisors and stated that I had the funds to cover it. Citi had just disqualified the offer and she had no reason.

Since I have good credit and nothing has changed recently, I find this practice unscrupulous. This could cost the customer overdraft fees with the bank. Of course, this may me be what Citi wants, to get the customer in financial trouble so that they can raise the interest rates. I have yet to find out if I will incur overdraft charges.

I checked my credit report and found my Citibank card with a balance of $20,000. I called Citibank immediately and was told by Citibank that there was a second person on my card that I never was aware of. The secondary person turned out to be my daughter. Citibank not only gave my daughter a card in her name, changed the address to hers but also never notified me, the primary holder, of the changes made.

I had not personally used the Citibank card for years. My credit was always excellent as shown on my credit report. I obtained an attorney; my daughter signed a notarized document stating she alone used the card and was willing to work with Citibank to pay off her debt. My attorney went to court for a summary judgement and learned at that time that Citibank dismissed my case. I have sent the court document to all three credit bureaus to no avail. Citibank refuses to remove my bad credit. I am unable to refinance my house. I have a leased car and I have no choice but to take money out of my retirement because I have been refused a loan to buy the car.

I am 60 years old, have worked at same place for thirty years, own my own house, and never missed a payment. My credit report over the years has shown I always paid my debts on time and in full. I was surprised Citibank did not contact me, the primary card holder, about the unusual spending. I have had credit card companies call me in the past, questioning an unusual increase in spending, for instance, when I was on vacation. Citibank did not take notice of the unusual spending even after the primary address was changed.

I have always been a strong and determined person and I am embarrassed to say this . The day Citibank told me the debt was my problem, I literally had a nervous breakdown. I could not work for three months and I was a person that would not take time off work unless I was very ill or there was an emergency in my family. My doctor has my records .Thank goodness for short term disability which paid 60% of my salary.

Citibank has ruined my credit as mentioned above. I was always so proud of my credit and in a second it was ruined. I am attempting to be pro-active to find ways to resolve this issue. As I said before, I am close to retirement, mortgage interests rates are low and I cannot refinance to lower my house payments. Also I would have preferred not to take money out of retirement fund to pay off my car because I was unable to obtain a loan. I just want my credit back to the way it always was. I never have been turned down for a loan before this incidence. I was honest with Citibank. They were actually trying to work out payments with my daughter at the time I found the discrepancy. Citibank was aware my daughter wanted to continue to pay her debt and took full responsibility for the debt. Instead, Citibank placed the responsibility on me, ruining my credit since 2008. I would appreciate any help in this situation. Thank you.

I entered into a zero interest balance payoff program. After 12 months Citi stopped taking payments from my checking account. I was told I failed to renew the agreement. I now owed interest at the highest rate retroactive 15 months. I have the original agreement from Citi; I have had it reviewed by 3 different attorneys. There is no need to review. I have filed complaints with the FTC, COC and notified Senator **. I have also informed the 3 major credit reporting agencies. At one point, Citi admitted to making an error. They asked for 3 advance payments as a good faith move. I stupidly agreed. 30 days later I was again informed I was in default. I will go to jail before I pay one cent of interest to these crooks. They make a loan from Al Capone look like a bargain. To date they are looking for an additional (approx.) $1200 attorney's fees for review. I have taken steps to serve appropriate agents for deposition. Of course, none can be located. I will continue to keep informed every politician I can find an address for until the bank agrees to honor the agreement.

Citicorp is running a fraudulent scam regarding automatic payments. I chose the option of setting up auto-pay to pay my Home Depot Credit Card which apparently is run through Citicorp. The payments have been taken from my account every month without a problem. Just before the last month (May) for the one-year offer the no-interest agreement expired, they neglected to withdraw the last payment and charged me accrued interest. I was made aware of the situation through a phone call from the Collection Department at Citicorp. When I requested a reason as of why the pre-authorize transaction for May payment stopped, the representative was unable to give me an explanation. She told me that it was my job to look at the statement and follow-up with the payments.

I explained to her that the main reason why I enrolled in auto-payment was to have peace of mind and make sure the payments were made without me worrying about it. The conversation went on with no legitimate reasons and only offering rude answers. I would like someone to investigate this company since they are involved in fraudulent business taking advantage of customers who sign up for auto-payment/automatic withdraw and conveniently stopping them so they can charge accrued interest. This should be illegal.

Citibank has been aggressively calling me for the last two months to collect on an overdrawn account that I never opened. When I explained that my identity was stolen and I never opened this account, they told me they are sick of hearing my fairytale and I have to pay. When I asked what steps there are in order to claim this account as fraudulent, they say it is too late to say it is. My wallet was stolen over six years ago with my driver's license (which can be faked) and my social security card. I have a police report saying it was stolen. I have been fighting this battle for six years. But Citibank will not work with me, and I refuse to pay for something that isn't mine.

I have been a Citibank customer for over 18 years. Never, until now, have I experienced such gross incompetence, in the management of my funds. Here is the short version of this story. On May 4th, 2011, I deposited a check for over $5,000 into my Citibank account via ATM. I have done this regularly, since the late 1990's, so it was not unusual. On May 11th, 2011, my money is gone. Rather than the customer service reps look into what may have happened, they print out my debits and credits to prove that I spent it all in a week.

Finally, I spoke with someone who informs me that the check is being returned, because it was double endorsed, and I should have it within 5 business days. 7 days have passed, and still there was no check. I called customer service again. He recommended me to go to my old address, to see if the check was delivered there. I live in New York City. We don't show up at another person's house, inquiring about a check. That is quite dangerous. Lastly, I have had the same address for 10 years. He insists that he will begin an investigation, and call me back that evening. I never heard from him again.

On May 20th, 2011, I demanded to speak with a supervisor, recanting the story, and asking very simple questions; "was my check returned to me?" "Can you trace it?" "Do you have a mailing date?" Simple questions that a billion dollar company like Citibank, should be able to answer. The supervisor states that she will also open an investigation, since the previous customer service rep did not open the account. She also stated she would return my phone call in 48 hours. I never heard from her again. On May 27th, 2011, I spoke with the most pleasant customer service rep. She understands the situation, and transfers me to a manager. The manager states that my account will be provisionally credited with $5,000, until they can determine what's going on. As of June 1st, 2011, the money is again withdrawn from my account, stating that the check was found, and is being returned to me. I should have the check no later than Jun 10th.

As of June 13th, 2011, the check still has not arrived. I phoned them again, and was asked by Citibank's biggest moron, if I had withdrawn the funds myself. She then suggests that I return to the branch where the check was deposited on May 4th, to see if they could help me. I explained to her that her suggestion was as useful as her competence level, and insisted that I be connected immediately with someone who can answer one simple question; "can you confirm that the check was returned and can you provide me with the date it was returned?"

Finally, a manager named Crystal ** worked with me. She actually returned my phone call twice in the same day. She was able to confirm the day the check was returned, and gave me options as to how I will best be able to manage the next steps. It took 6 weeks, 9 telephone calls (each an hour long) for just one person at Citibank to answer a simple tracking question. If they have this much trouble managing $5,000, I would not invest anything greater with them. After 18 years, I am closing my account with them. What a shame! Because of them, I could not pay for my mortgage, nor my daughter's tuition.

On June 1, 2011, I received a card payment notice, by which the deadline is dated June 1, 2011. On June 2, 2011, I paid the statement balance, and called Citibank. They insist I have to pay for the service charge and penalty. I accused Citibank has delayed posting the payment notice to the customers on purpose. Last year, I did not receive an e-statement notice, and I told them to send me the hard copy. This month, I do not have the payment notice, until the deadline date. I am done with Citibank.

I donated Plasma to CSL Plasma in Tempe, Az. I lost the debit card that they give me to retrieve the money they pay me. They (CSL Plasma) gave me a phone number to call to report the missing card (1 877 855 7201). I did what they told me to do but the company, who is in charge of sending the cards, have not kept the time frames to send me a new card. They keep telling me to wait from 7 to 10 business days. I reported on the 28th of April, and today is the 17th of May, and the card is not here with me.

I don't have nothing to eat because I have no money to buy food. I am depress and angry at this situation. I have anguish; nights are very sad that I have to go without food all this time. For how long do I have to wait? I need this card so that I can go buy me some food. Please help me, I'm getting thoughts of hurting myself.

On April 28 2011, I made a deposit of $1,270. I made a mistake and entered $1,170. When I realized my mistake, I called the bank right away. A customer rep told me that the bank will credit my account in the morning after 24hours when they check the ATMs. But that did not happen. I was not credited the amount at all. They did an investigation and found only $1,170. And will not tell me know how the investigation was done just that the envelop was opened. I know what I deposit into the bank and just an error on my part cost me a $100. I don't think that was right of the bank to do that to me. I am not working right now. I put the money for my rent and a little extra. This is not right. If I was to say I put more than what I did, the bank would never give it to me but they can take my money, right? Not right at all. And I am closing my account. I never had issues with the bank before. I'll never bank with then again.

Over 6 years ago I had a Citibank account connected with PayPal. After less than 4 months of unsatisfactory service, I paid the $59 I owed Citibank in full and on time, and closed the account. Since that time they have been checking my credit rating with EQUIFAX monthly and sending me credit applications nearly weekly.

Their checking my credit report caused me to be denied getting a cell phone as it was the only negative thing on my report. Citibank has no interest in me as I do not owe them anything. I do not have an account with them, nor will I ever apply for an account with them. I want them to stop and remove their reporting to Equifax as well as any other credit reporting agencies they might be using. I believe Citibank's practices are in violation of my rights and the Federal Laws. Please stop and desist!

A few years ago when the banks started having trouble, Citibank increased our interest to a whopping 30%. But they put us on a program that gave us half of our interest back, making it 15% actually. Today we received a letter stating that the program had been canceled. I called and was told that the federal government decided that the program was unfair and therefore Citi had to cancel it, and that our interest was now 30%. We have never missed a payment. We have had the card since 2005. I really do not understand how the Card Act helps the average consumer.

On 12/09, my husband lost his job and shortly after, he contacted Citi to cancel our credit card. When I made the final payment, I wrote on the payment receipt "final payment on cancelled account". A few months later, we canceled our Direct TV account and agreed to make payments on the early cancellation fee. We received a letter from Direct TV that we owed $0 because the early cancellation fee had been charged to the credit card. Within 2 weeks, we received a bill from Citi that the cancellation fee had been billed to the canceled card. My husband and I both called to find out why this charge had been made to a canceled card. Citi has given us several excuses and the run around. After several phone calls from both my husband and myself, Citi agreed to send us a letter stating that the credit card had been canceled and no charges would be made.

At no time did Citi send us statements or any other communications between the time we originally called to cancel the card and the billing statement for this charge. Citi did not call us to make us aware that they were re-activating this account without our authorization. Since they have written verification in the form of the final payment statement showing that it was the last payment on a canceled account, they have no valid excuse for re-activating this account with out either mine of my husband's authorization. At this point, we can not resolve this situation because Citi refuses to remove the charge. They claim that they did not require either my husband or my consent to authorize this charge on a canceled account. According to Citi, they are not legally obligated to notify us of a company billing them on a canceled card.

The Collection Department has called me from October 2009 through February 2010 each month, telling me that my personal loan, which was taken out to combine the pay off of charge cards, in 2006 or 2007 and had never been late, to tell me that a payment was past due. I told them that my account was on autopay and had been since the set beginning on the loan. They talked to me on the 28th, my loan payment had been taken out of my checking account on the 26th. And they lied and said it was not setup on auto pay and the payment had not been made. This occurred, five months in a row, causing $35.00 in return check fees on the checks that they ran through my Citibank checking account, which was set up to only receive transfers from my account from Memphis for this one payment a month that then transferred this loan payment into their personal loan department.

The benefit of opening the checking account with Citibank and going through all that was a 1.00% discount on the loan rate. Because I had almost died in October from a procedure done on me and then my mom became ill and I had to go out-of-state to take care of her, I was unable to access their online banking due to my parents not having internet. I had to rely on the word of Citibank officials who were calling me.

When I returned home in February, I found that this had all been lies and I had been charged over $150 in returned check fees. When I spoke to the manager of this department about this and the fact that two of her people had called my home and told my husband, who was not signed on this loan and did not know anything about this loan, but revealed to him the entire details of the loan, the balance, the date, the past due amount, the full details, and that this was breaking the privacy laws of any state and my contract with Citibank, she proceeded to tell me that this was not true. When I was past due, by even one day, they could reveal any of my loan information to anyone in order to collect on this loan. She refused to refund the check charges because she said it was my fault, because I authorized them to take the additional payment out of my checking account. I told her that it was because the Collection Department told me that it had not been taken out of my account, and she said that was not her fault; that was their job. I told her to take my account off of autopay, and I would pay my account when I wanted to pay it from now on, and not when they wanted it paid and not where it cost me a returned check fee evermore, two days after I made the payment each month.

Now, my credit shows that I have returned check fees for over five months along with $175.00 in return check fees, and a husband who is no longer speaking with me. This has cause much marital discord. They have broken my right to privacy, which I had a right too and which cannot be recovered!

CitiBank is continuing to charge me interest for cash advances from 11/22/07. With all the payments that I have made since then, the cash advance portion should have been paid at this point.

I lost my part time income and unfortunately have more bills than income so I entered into a Debt Management Plan on Oct 2010. I have 3 gas cards managed by Citibank. They agreed to the proposal and then in Nov due to Thanksgiving holiday, my payments were 1 day late and they dropped me from the program. I contacted my counselor and she called and then we even did a conference call with them. The payment was there but they did not post due to holiday. I felt I should not be punished for that.

They dropped me from all 3 accounts in the program, which made my interest rate go back up and my payments. My counselor tried to talk to a supervisor and they would not even let her do that. This is an unfair practice. I feel they do not want to cooperate with the consumer and lose all that interest. This is unfair to someone trying to pay them back the best they can. I do not wish to do a bankruptcy but in the end may have to all because they would not work with me and my payment was 1 day late on a holiday that they were closed on and didn't post. My debt management plan is through Credibility of Atlanta Georgia. They said they have lots of complaints against Citibank and you can call and they will confirm my story. Thanks for your time.

I am very disappointed with Citibank's customer service. I had unauthorized charges from Heartland of America that I questioned. Citibank was of no help in resolving. I finally contacted the California Consumer Fraud Bureau and they intervened and had my money credited. No real damages. Just time, energy and frustration with Citibank.

I apologize for my English first. I want to relate how Citibank has turned my financial life during the past twelve weeks after I was the victim of a check theft. During the week end of 9-10 October, a check I had made to one of my payees has been stolen during a burglary. I was advised on 11th and of course, I immediately called the Citibank Customer Service to inform them about it.

Following their recommendation, a stop was issued on all payments that could occur on my account and I was requested to visit my bank branch. I was received at my Citibank Branch on October 12th by a personal bank manager. He was the same man who had opened for me my new account at Citibank one year later, when I was relocating in Chicago for work purpose. I would lie if don't mention that this meeting was pretty weird. The personal bank manager seemed totally bothered to work about my issue and did it most of the time while talking on the phone.

Upon his recommendation, I accepted to open a new account. Once everything was done and I was given a temporary debit card, I noticed on the paper he gave to me that my savings account, my two Credit cards Visa and MasterCard, and my personal line of credit were not reported on the listing. He answered that he would fix this and that I would have access to everything on the the web at Citibank Online.

However, once connected at home, I figured out that everything except my new account had disappeared. From then, I was unable to manage my cards, my savings, my line of loan. I thought it would come back to normal quickly.

It didn't. Not only it took almost ten days before I can fully handle my accounts as usual. In the meantime, when I finally received my debit card, I suddenly figured out that it was given a wrong name - only my Last name and nothing else and that I was not anymore a member of AAdvantage (the program to gain miles at American Airlines). On my receipts my last name was appearing twice, I had a new identity.

Meanwhile, since I had been refused a very short loan three weeks ago by the branch manager (I needed to face some exceptional expenses during a short time), I have had to maximize my credit cards. It took only these three weeks to see my credit score plunging to **, but the most incredible is not that I received two letters. One informing me about the decrease of 66% of my credit limit on my Visa and one informing me about the decrease of 33% of my credit limit on my MasterCard. No! The worst was that, I discovered totally randomly that my personal line of Credit had been decreased by 50% without any prior information, letter or explanation.

The Customer Service of Citibank told me that it was a consequence of my credit score disaster. My Citibank branch told me that it was because when you open a new account, only the balance available on your personal line of loan at this moment serves as a basis for the new personal line. Actually, it was if not a lie, a wrong information. It was really due to my credit score.

- Although it was clear that I had paid my personal line of loan in full before everything happened, I never got my usual amount reinstalled.

- Even better, this is at this moment that I figured out that one year earlier, the same man had replaced my usual checking account which was a part of Citibank at Work program, without telling me, by another checking account. I am so stupid that during almost 7 months, I never saw what he did while I had lost my advantages!

I have received, I just don't know how many emails and calls of excuses from the Bank branch manager of Citibank and from the Customer Care service. My case escalated by itself without my request. Which proves that the situation was becoming really incredible. I can say today that I just feel sick about my bank.

I went to make a deposit on Saturday, January 23. The teller told me that my checking account was overdrawn by $50. I had a $0 balance. But because of inactivity a couple of weeks, I was charged a $20 fee for having a money market checking account. I did not know I was being signed up for that when I opened this checking account. On top of that, they charged me an overdraft fee of $34, because of a sudden monthly fee that I was not aware of! She said it's because I stopped direct deposit to this account. The teller told me her supervisor would get rid of the overdraft fee. But I feel that they should get rid of this monthly fee. I didn't know that they would start imposing this fee if not having direct deposit of payroll.

I have had a Big O card through Citi for almost two years. I have been paying on time and over the minimum. I went to Big O to have some work done on my car; when they were finished the card was declined. It was Saturday, so the customer service offices were closed. I had no money on me, and the work was done-- the woman wanted payment! She allowed me to take the car under the condition that if I did not pay within the next five days, she would pursue legal action against me!

On Tuesday, I called the Big O card services office. They told me that the card had been cut off because they had the wrong address (it didn't change). Then they say it is because I had a late payment in September, which I can verify online that I did not, and then that they said that I did not have six consecutive months of on time payments (again, my online account says different). So, when he hung up on me after I asked to be transferred, I called Citi. I was told that it's a private label card, so they can't help me. They told me to call Big O back; I did, and was finally told that Citi periodically checks your credit and can cut off your card.

Why do you cut me off when I've been paying on time? Why I was not notified about a change in my account? Had I been notified, I would have waited until I had the money to get the car fixed instead of depending on the card, and I saved myself from the stress, embarrassment, money and et cetera. Why was my customer service experience so bad? Two offices were trying to blame the other, and I was given three different reasons that weren't true. They argued with me about something that I could easily verify online. This situation is totally unacceptable! I pay you, and you have to honor your contract with me. If you are not going to do so, I need notification so that I don't go and have my car fixed and leave with possible criminal charges!

After being told that I was approved for a modification, I am now being told that I am not in the program and owe $2,500 plus penalties. I have been jerked around and told so many different stories that my head is spinning. I need help along with thousands of others who were lead to believe they would be helped.

I have been a Citibank customer, in good standing, for a number of years. I have had my Citi Professional card since 2006 and to my knowledge, have paid my bill in a timely fashion. I pay all my bills via the internet, and set time aside twice a month to process the various bills due for my household. December 5, 2010 was a bill pay day and by my records, I set up payments for 15 different debts owed in January - mortgage, utilities, credit cards, etc.

I remember this particular day because my internet service was so poor that I was losing my connection in the middle of setting up payments and had to log back on and start over. I felt pretty virtuous at the end of the day having knocked all of January's bills out. When I got the email from Citibank on 12/9/10 titled "Your Citi Credit Card Statement", I didn't pay close enough attention and assumed it was a confirmation notice of one of the four accounts handled by Citibank that my husband and I have, one of which is my Professional card.

On January 8, 2011 my caller ID registered a call from CITIGROUP (972-655-3476) at 8:57am. No message was left and when I called back, I got a busy signal. On January 11, 2011 at 2:28pm and 2:53pm, calls were received and again, no message. On January 12, 2011 calls were received at 12:09pm and 2:00pm. My husband happened to be home and answered both calls only to have his repeated greeting of Hello met with no response and a hang up and an immediate hang up on the second call. When he called back, he also got a busy signal.

On January 13, 2011, calls were received at 1:35pm, 3:00pm (a hang up again after I answered the phone and a busy signal when I called back) and 5:00pm. Fortunately, I was home to catch the 5:00pm call and also had to repeatedly say, "Hello! Hello! Is anyone there?". At last I was able to get a response and find out what was going on. As soon as I realized my mistake, I immediately paid my bill.

Here's my issue - when I missed my payment on January 1, 2011, why not give me the benefit of the doubt and email me letting me know I missed my payment? Or call me January 3, 2011, the next business day? Why is the customer service department calling and not leaving a message or worse, not answering the phone or having an endless busy signal. Why hang up when someone answers the phone?

These days, with phishing, and the ability to spoof identity via caller ID, my husband and I were beginning to believe what we were dealing with was some type of scam rather than a bonafide call from CitiGroup. This was my mistake. However I find the above detailed situation troubling as a valued customer especially in light of the fact that on the exact same day I was able to finally talk to a representative, I'm sent notification that my credit limit has been reduced due to this incident.

A blemish on my credit report seems like a stiff penalty for an honest mistake made by a good customer. I would appreciate the consideration of returning my account to its prior status in light of this situation.

I was charged late fee plus interest for November payment due on November 15 on a Sunday they posted on November 16. This has happened many times plus I received my December bill today. It is due January 15, 18 days notice. I pay my bills every first week of the month. Citi is the one that is late.

Citibank refuses to add a new payee on my online checking account even though they have done so several times in the past. Citibank forced me to apply for a bank card even though I did not want to in order for them to add a payee. It took Citibank three days before I received the bank card I did not want and they failed to give me a pin #. Citibank promised that I would have a pin #.

On Saturday Dec.11, 2010, they told me to stay at home all day and it never came. Citibank then told me that a supervisor would ask me questions and give me a pin # over the telephone. I stayed on the telephone for over half hour and they were not able to get me a pin #. I asked to speak to a manager and was kept on hold for another 15 minutes and when I complained, she came on the telephone. Citibank would not give me the name of the president to complain to. Citibank would not give me the telephone number of an officer of the corporation I could complain to Citibank but then told me that the bank card I did not want that was sent to me was not working properly and I would have to start all over again.

All I want is for Citibank to add a payee to me online banking. Nothing more and nothing less. They have verified who I am by asking several questions so I don't know what the trouble could possibly be. I also do not know why they insist that I get one of their bank cards before they will help me. This seems monopolistic to me. I can not pay a payee via online checking and Citibank is trying to get me to use their bank card so that they can make additional money even though I insisted that I did not want their card. Citibank has added several new payees in the past and did not require I get one of their cards even though the rule existed. This is nothing but a big scam.

I'm another one who got scammed out of $70.80 by Software HQ. When I tried to get Citi to cancel the charge to my credit card, they refused. Then, due to the back and forth with Citi, I was late paying the Citi bill (we never carry a credit card balance). So I paid the next Citi invoice in full. Then the next month, I got a Citi bill with a "Residual Charge". They charge that, it turns out for 2 billing cycles after a late payment. When I called and refused to pay a Residual Charge, they canceled the account as I asked them to. Then I got a notice of a bad credit report by Citi. That's a first for us. Bill **.

Well, I made a payment arrangement with them last year on a credit card that I had. We figured I could make a $200 payment to catch up to my minimum balance. Now by doing this and completing this they would give me my credit card back. Well, 11 months into it I needed to make half to catch up on another bill. So I called them and they told me out off the question you made a commitment to us to complete this.

Well, the company that I worked for just told me they were shutting down! And I told Citi that and they didn't give a **, make your last payment. So I did and ask them if you were going to send me my card after and they said with in 5 to 8 working days. Well, it's been two months and now talking to Kim (Citi Bank), they will do a credit check and let me know.

Well, let me tell you with all the late fees and losing my house, falling behind on another bill, owing state taxes and taking a $20000 a year pay-cut—yeah, my credit is going to look great. As long as I can have roof over my kids' head, pay on my car and have food for my family, at this point that's what matters to me right now. I hate to say it but BK is the only way to get these people off my back. And my credit will be ** for at least 10 years.

I am paying a student loan off for my son, who reentered school this fall. A month ago, they sent him a letter saying that they were going to defer his student loan (at 6.8% interest, which would accrue) because he was again in school. At my request, he called them and told them not to defer it, because I have been paying it.

They started sending bills again. Fine. But yesterday he got another letter from Citibank saying they had received his request to defer and so they would now defer his loan. But he never asked for this! in fact, he had clearly asked for the opposite- he asked them not to defer. Citibank simply does not want this loan to be paid off. They want to keep collecting this 6.8% interest forever! Is this even legal?

I have been with Citibank for almost 10 years and have never had a problem until this year. First, they started taking out monthly fees which they are not supposed to do as I am on a student account. I called and they told me they are unable to refund money over the phone so I had to go into a branch. I did and and after refunding the monthly fees they started charging me fees for writing checks. I went in and complained but the teller told me he would only be able to put $2 back into my account. I called the bank and they deposited the funds back into my account.

More recently, I deposited a check on November 15th, 2010 and withdrew money from my account in the same transaction. I then went home and started paying my bills. I check my account regularly because I run a low balance, but I have never been overdrawn. On November 19, 2010, I checked my account and it was showing that I never deposited the check and I was acquiring overdraft fees and non-sufficient funds fees. I called the bank and they told me there was going to be an investigation on my account. I asked them why they would have let me withdraw money if doing so would have made me overdrawn. I also asked why the amount they said I was overdrawn did not match the amount that showed in my balance. They were unable to answer any of my questions.

The next day I went into the branch and showed proof of my check clearing with their bank name and my account number sprayed on the back. They said the investigation would continue and they would put the money into my account as "provisional credit". A few days later I checked my account again and they had deposited the money into my account 3 times. I called the bank to inform them that they over-credited my account. They said they would take out the money within a few days. Why they couldn't just take it out then is beyond me. Then I received a letter stating that because the investigation was canceled per my request, they were going to deduct the original money from my account.

I proceeded to check my account online only to discover that they had not deducted the original amount but they did deduct a few hundred. I called the bank to complain and demanded that they refund my money. I was transferred from person to person until I finally was put through to a manager. She informed me that they would put another investigation on my account, but that they would be unable to put the money back into my account. As of today I will be closing my account and am going to try to get another bank to buy my student loan from them.

I am more than furious with this company and will never do business with them again! I would think when you own a financial institution you would, at minimum, know how to add and subtract. Apparently, my thinking is off.

I have had an account with Radio Shack since 2007 and recently, one time this year, I made a (4 day late) payment on my account where I had a $1400 available credit so they reduced my available balance by 1/3 without so much as an e-mail. I went to do some shopping and find out then that I do not have the available credit. Then they tell me if I run a credit approval, they may be able to boost my limit. What a ***! I am building a new house next year and every time they run your credit, your credit score decreases. I will not gamble with my credit score so goodbye Radio Shack. I am paying off my balance and you can keep your credit. If this is how you take care of your " preferred customers," you can keep it. Your loss not mine because I am a Gizmo guy and buy tons of electronics. Only now, I will buy them from Best Buy, a little farther but it's the principle thing.

I recieved a notice in early 2009 that my CitiBank credit card was increasing my interest rate to 21.99%. Although my credit rating is 835, and I have never been late on a payment this did not matter. What also didn't matter was I ran $25,000 a year on that credit card. When I called to dispute this enormous rate, I was told by several customer service reps, "We're sorry and thank you for your business since 1983." I cancelled that card after I used several hundred thousand thank you points in later 2009.

I feel good that I am no longer a customer and continue to encourage friends and families to cancel their CitiBank cards. I do continue to send the envelopes that constantly come to my home which are empty or with a note reminding them I was an excellent customer. I suggest you also cancel your CitiBank credit card. Try Capital One.

I have been a client of Citi Bank and Citi Cards since 1996. I carry a balance of about $28,000. I have always had an automatic payment from my bank to Citi Bank-Citi Cards to insure a payment is never missed. Years ago, I did a balance transfer and, therefore, obtained a special Citi interest rate. Then without getting hold of me to let me know, this special rate expired last month (October 2010), triggering a higher but almost tolerable interest rate.

That new rate changed increased my monthly payment by $8, making my regular Automatic Payment of over $600 short by $8. This has triggered some horrible conditions, which Citi refuse to reverse. Note the following is cut and pasted from their correspondence to me:

"You have triggered the variable Penalty APR of 29.990% by making a late payment and due to your credit performance. This change will impact your account as follows: As of 01/26/2011, the Penalty APR will apply to these transactions. We may keep the APR at this level indefinitely. Current rates will continue to apply to these transactions. However, if you become more than 60 days late on your account, the Penalty APR will apply to these transactions as well."

That is not a typo—basically 30% interest! How can that be legal? That is a sick penalty and they deserve to be exposed publicly for this abuse of the American public. They have negatively affected my credit that was great prior to this. The interest rate of 40% means I will never be able to pay this off. Charging 30% should be illegal—if it is not already illegal. After all, I have been a client since 1996. How this must be affecting America's recovery is my blind blowing. Help expose these people for the anti-American credit policies they use.

Citibank got a court order to freeze my bank account. It had my $563.00 Social Security check in it and also a $500.00 check from the F.O.E. (Eagles) for Christmas presents for the children of the Bull Shoals Food Pantry. I had bad credit card debt several years ago. I didn't pay them back. Now over three years later, they have sued me and taken the poor children's Christmas money. I don't care about myself. But what can I do about the 89 children that I was going to get gifts for? Can they do this? Didn't my government bail them out with over 300 billion dollars to keep them going? Isn't there a parable in the Bible about having your debt forgiven and then coming down hard on the people who owed you?

In October of 2009, I was informed by mail, by Citicard, that my current interest rate on my credit card was going to escalate from 3% to 16%. I called Citicard to complain that I was an excellent customer (that I never pay late, that I sometimes make two payments a month) and they agreed to give me a lower rate of somewhere in the ballpark of 6%. Apparently, this was a "promotional period" rate, a term that companies now seem to be using to get away with underhandedly changing rates without the customer's knowledge. I say this because when that "promotional period" ended I was not informed in any way or shape or form that, that period was about to end.

This, and other, companies claim that it is my responsibility to know when my rate is changing due to the end of these so called "promotional periods". I am a busy woman, a single mother with three children. Today, I found some time to read my credit card bill in full and saw that I have been paying 18% in interest rates since March 2010. In total, my interest payments for 2010 amount to $670.

When I called to them to complain, I was given the standard line that I should have somehow known that my rate was going to change. How? Marking on my calendar the date in which I believe they would try to end my promotion and fleece me? I've cancelled the card but something needs to be done about the practices of these big companies using this term to overcharge customers. In this economy, we as consumers can't afford to be tricked by these corporations and apparently, even doing things correctly, like paying your card consistently and on time, isn't enough.

Citibank is awful! Use another bank! Without informing me, Citibank put a 30-day hold on my credit card, as I had a payment returned for insufficient funds. I corrected this immediately and had a $2,500 credit, but I still could not use the card. I have had the card for 19 years, but Customer Service was completely unresponsive (20 minutes on hold, bounced to three people, finally put on with a "supervisor" who mumbled like he was reading a script). I am closing the account and I will never give this bank my business again. Sleazy.

I am writing to you in hopes that you might be able to help with a situation I am having with Citibank. I am a card holder since 1991. Roughly 8 months ago, I noticed that they increased my interest rate from 13.99% to 29.99%. I was not delinquent with the account so I called and inquired about the rate. I was told at the current time due to the economy, my rate had to be increased to 29.99%. I explained I am a long time card holder with a good history; my account has not been delinquent and I feel the interest rate is inappropriate.

The representative told me on the phone to keep my current rate, I would have to close my account which I did. 7 months later the rate went back up to 29.99% and I called and they told me because I closed my account they could not help me. I explained I did what they said & yet they did not want to hear it. I emailed them two times concerning the matter and they still won't change the interest rate. I don't mind paying a reasonable rate, but 29.99% for someone who is and has been current, and I am not over the credit line is in my eyes very unfair.

I feel I've been mistreated even though I've been a loyal long term customer. If you can do anything to assist in bringing my interest rate to a reasonable rate it would be greatly appreciated.

On October 5, 2010, I applied for a refinance load and my credit was pulled. I have over 12 months of late payments with Citbank Master card showing on all 3 credit bureaus. I was concerned with this since I have entered into an agreement with them in September of 2009 where I have been paying each month and have had it automatically withdrawn from my account the entire time. I was unemployed and had asked to make arrangements until I could get back on my feet.

I have Citibank as well as other financial bank card; it's interesting that Citibank was the only one who continued to report me. I thought that by contacting them and arranging a plan to pay instead of ignoring and not paying, I was doing the right thing as a consumer. I owned up to my situation and asked for help. Little did I know it didn't matter and the arrangements would not help me at all. In October 2010, I phoned Citibank and spoke with Tim ****. I informed him in writing of my concern and could not understand why there were late payments being reported. He informed me I had an outstanding balance of $428. I had no idea I had that since I had the arrangement in place. I paid the $428 on October 26th and Tim advised me he would research my complaint and that he understands my situation since he is a consumer too. He would phone me in 3 days with the outcome. He did not phone me ;I had to call and talk to Dawn, Mr ****** assistant who transferred me to a person named Mike who assured me that he would call me back today (Friday).

I finally got a call back Friday and he stated he needed to research more and he did not have the information. There was no recording or documentation of the conversation of my arrangement. He stated he would call me on Monday or Tuesday to give me the final answer. He called me on my cell phone which is the number I asked him to call me on. I got a call on Tuesday at my home number (which is in my record but I asked him to call on the cell) to inform me that what they report is accurate. They will not remove the late payments from my report. I asked him if he had listened to the conversations that were recorded and he told me that they did not have the recordings; they do not keep them on file all the time. I asked him how long they are kept on file and he did not know. I asked him if there were notes regarding that they stated I had a late over due payment that was outstanding and that I would have to pay that in addition to the arranged payments.

He did not see that conversation. I asked if he had any proof that they had informed me of that and he stated no. It was just their policy. He stated he reviewed this with his supervisor and they determined that it was final. I asked to speak with the supervisor and he stated that she was unavailable and would not speak to me. He gave me the name of Linda on team 8100.

I then called Ken ***** office and left him a message and I did not receive a call back from him. I called the next day to talk to Dawn and she transferred me to Tim ******* again. He said he met with Mr. ***** and that the decision was final. I asked to speak with Mr. ***** and Tim stated he does not take phone calls and that he was his voice and there was no way I would be able to talk with him. I then asked if he met in person or on the phone. He told me that was none of my business. And he would send out a letter stating the results. I was not happy with that answer and called Mr. ****** office again. I get transferred to a Teresa ******** and she was to look into the case again. Teresa said she would investigate again and let me know. Well I had to call her back since she wouldn't call me and they came to the same conclusion as Tim. I then told her that I was misled and that I had an agreement with Citibank to pay my bill and there was not mention of any late pay.

On November 9th, I found my documentation from Citibank regarding my payment arrangements. It states in the letter, "Please pay the agreed upon amount even if a different amount is printed on your monthly billing statement." Theresa stated that the agreement doesn't state it will take care of my outstanding balance. This makes no accounting sense. They contend they will continue to show me late until I make an additional payment which their own agreement tells me not to make. The agreement shows a balance and no mention of an outstanding balance. Teresa stated Ms. ****** there is nothing we are going to do about this and she doesn't even want a copy of the letter.

Since I have tried countless times to communicate with Citbank, I am now forced as a consumer to prove that I am not guilty. I will be filing complaints to Attorney General(s), FTC, The Office of Comptroller Currency, FDIC, BBB, Consumer Affairs, US Justice Dept., Federal Reserve Complaint (OMB). Why hasn't something been done to help the consumer especially since my tax money helped them out of their financial mess? How come Citicard doesn't help their customers? They have no compassion and could care less about their customers.

I was notified on November 8, 2010 that (Sears) Citibank was not renewing my account on October 31,2010. I have had this account since 1997. I have been current with them and have a balance owing of $20.00 and change. When I called, I was told it was due to another account that must be showing late on my credit report is why they are not renewing the account.

The only thing I can think of was an auto loan with a different company that was late, and that was months ago due to a medical reason and since paid. I have had with them for many years, not late, and with a $20.00 balance. I find it unfair and believe it is because they can't make money off me as easily if they could if I was late. At this time, I worry about the negative reaction it will have on my credit score because of the closed account.

I've been calling Citibank for more then 5 hours now and I can't get though the switchboard. If I press the customer service ext, it's always busy. How can people deal with this kind of bank. An international bank is supposedly to be with wide and big experience and should know very well that they have to be customer focused while they are not doing anything. If I call their tele-banking section, they can't help and are not willing to help as they are out of the country too.

Citibank debited my account almost a month in advance for a payment causing me to be overdrawn and without money for 2 weeks. It has been over two weeks and this issue after numerous phone calls has not been resolved. The latest manager I spoke with said it should be mailed out within 7 to 10 more days! They have all of my banking information and there is no reason to "mail it". The staff and managers do nothing to help. They are always in a"meeting" or will give you a call back, which they never do.

I was an employee of Citibank's Card Services division as a Customer Service rep. I have approx. 20 years of CS experience and I love talking with people from all over the country, helping them resolve their issues. This is the first time I have started working for a company (especially one this large) that I have quit after only 3 months! I just can't do it anymore , The deceptive marketing practices and the way they treat their customers is beyond unethical and I won't take part in it.

First, you need to know that if you are even just 30-days late (miss only one payment) on your Citicard, you can have your card "blocked", and therefore rejected/declined at it's next use. Most people don't realize this, and it's incredibly embarrassing for them when they are out shopping, maybe even with a friend, and their card is declined. Also, right now Citibank is lowering credit limits. Some are only lowered a little, maybe $1,000, but some are being lowered by up to 75% of the credit line. What does this mean? If you are close to maxing out your card, and they lower your card significantly, you will be assessed an OTL (over the limit) fee. This can happen without your knowing about it until it's too late.

Here's something few people know: Even if you pay off your Citibank credit card every month, you can still assess a finance charge! It's called "remaining interest" and it isn't just for the revolvers (people who always carry a balance). It's a very complex math party that calculates this remaining interest charge. I had dozens of calls per day from very angry card members who were assessed an interest charge even though they had a perfect payment history and always paid in full.

Citibank CS reps even have a hard time explaining it to the card members, I know I did! If you have an interest/finance charge and you pay in full every month, call CS and ask for a supervisor right away! The CS rep will only read a script to you and tell you there is nothing they can do about it. A supervisor (who, by the way, isn't really a supervisor at all) will have the extra authority to possibly waive your interest charge - that's not a given, but in some cases they will. This little known charge is Citi's way of making extra money to pay for all of the mortgages they ** up. Don't buy it. Call them whenever you see interest you don't understand.

Another way Citi makes money off of their card members is by selling them products/services owned by companies that either Citi owns or they have a vested interest in. If you call CS you will be offered one of these products. You need to say no right up front. These products all come with monthly charges that are automatically charged to your card each month! They will try and sell you on their "only $1 the first month" deal, but don't buy it. These products cost anywhere from $8.95 to $12.95 per month after that initial 30-days and they are banking on you forgetting to cancel within the 30-day time frame. If you do forget, it is terribly difficult to get the charge removed, if not impossible. One of the products is 'balance insurance' (which is called something else but that's what it is) and the cost is .89 per $100 of the statement balance per month.

I had gentleman call who had a charge on his statement for over $200 for this 'insurance' and he had a fit! He didn't remember ever giving Citi permission to put the product on his account and he said he certainly wouldn't want to be charged $200 a month (or more) for something he may not need Ever. I agree with him. When you call CS, you need to tell the rep right up front "I need help, and please do not try and sell me anything, o.k.?" and then wait for a yes or no answer. This will be the only way you will not get a sales pitch. You see, these reps earn points for 1) offering you the products, and 2) then selling you the product. They will try and offer it to you, you need to let them know you don't want them to. Be firm, some of these reps are very aggressive about their selling. They want those points so they can get a new t.v., computer, or whatever they may be able to get with them.

I quit because even though my customer service skills were great, my card members always rated me a 10 on their email surveys, I was quick and efficient when resolving their issues and didn't waste their time, but I didn't try to push products on them. Since I was hesitant to do the selling/offering, I was constantly told I "wasn't even trying" or that I "may not be cut out for Citiban."

I left work feeling like a complete failure every day just because I wouldn't push unneeded and unwanted products off on our card members. If that makes me "not cut out" for Citibank, then good for me! I loved the customers and I loved helping them, but hated being forced to sell to them. I knew they didn't want that, but Citi doesn't care.

I hope this post helps a Citicard customer or future customer with future decisions regarding Citibank/Citicards. Just beware of the sales pitches, check your statements carefully and remember that you can have your interest increased (regardless of credit history) and your credit limit lowered at anytime without notice!

I decided to go the internet way of paying the bill so I had it posted for Nov 5 and the bill is due Nov 12th. I went to use the card today and they denied it unless I paid them $10.00. I did not pay it and I walked out. It is not the store's fault; I know it is Citibank. They called me at my office 4 times in one week demanding the payment of $10.00 which I sent on October 1 and also scheduled a payment of $263.00 for Nov 5. The girl still wanted the money now. Due to Citibank's stupidity, I will close my Children's card and no longer shop there.

They had a $40.00 Sale gong on at the time which I walked away from. I am going through all my cards and if any of them are related to Citibank ,I will close them down. This same situation happened to a friend of mine but with Home Depot which is affiliated with Citibank and she is closing all her accounts that is associated with Citibank.

You people can't help us but if we all band together and get rid of all of our cards associated with Citibank, we can make a dent in their business. It may hurt the stores but maybe the stores should shop around for another bank to handle their accounts. My children have closed their checking accounts and savings with them. It is the only way to get rid of them. I can't wait to see them out of their jobs.

I mailed my check on October 1, 2010 for my account which is due 10/12/2010. They never posted it to my account by the 13th and I called and they told me they never received it. I was upset as they charged me late fees. They said they would take off the late fees and on my next bill I was charged $26.00. I decided to go the internet way of paying the bill so I had it post for November 5 and the bill is due November 12th. I went to use the card today and they denied it unless I paid them $10.00. I did not pay it and I walked out.

It is not the store's fault. I know it is Citi Bank. They called me at my office 4 times in one week demanding the payment of $10, which I sent in on October 1. And I also scheduled a payment of $263.00 for November 5. The girl still wanted the money now due to Citi Bank's stupidity. I will close my children's card and no longer shop there.

I had a $40.00 sale going on at the time which I walked away from. I am going through all my cards and if any of them are related to Citi, I will close them down. This same situation happened to a friend of mine but with Home Depot, which is affiliated with Citi Bank and she is closing all her accounts that is associated with Citi Bank.

You people can't help us, but if we all band together and get rid of all of our cards associated with Citi Bank, we can make a dent in their business. It may hurt the stores but maybe the stores should shop around for another bank to handle their accounts. My children have closed their checking accounts and savings with them. It is the only way to get rid of them. I can't wait to see them out of their jobs.

My credit is now blemished because either they or the post office lost the bill and that my identity may be stolen due to the information on the check and bill and it has stressed me out. I am a cancer survivor and rather deal with chemo than deal with Citi Bank. But you know: what goes around comes around and they will get theirs.

I recently took advantage of an offer from my credit card to use a check associated with a 0% interest offer for 12 months. Upon the arrival of the first statement since I used the check, I noticed a fee for $660.00!

When I called to ask what this was for, I was told that I was charged 4% of the amount of the check that I wrote. I took out the original letter for this offer and had to search for the place where it states there is a fee for this service, a fee of 4%. It's not on either the first or second page of the information sent by the bank, but rather on the 3rd page in a little box, 5 or 6 smaller boxes down. I think this is awful that they advertise 0% and then tack a fee on that is a % of the amount of money you are transferring or charging to your card. This across the board practice in the credit card industry is absurd. It should clearly be stated that there is in fact a percentage charge, not a fixed fee, but a percentage and it isn't 0%! I'm an intelligent and educated woman and it got passed me.

I can only imagine how many other people think they are getting a chance to not pay interest for a year on money they owe, hoping to play catch up on their bills. There is a 4-5% charge on all the money anyone uses for this service, it is not 0%. And the more transfers you make, you are charged that 4-5% on each transfer. The credit card companies should stop this practice of advertising 0% and just come out and say it's 4-5%.

Citibank unlawfully removed funds from our deposit account (checking) to pay a consumer credit line with them that was not delinquent with no advance notice. They said it was because they decided to lower our credit line; however, the credit couldn't have been used were it actually lowered, so they did this retroactively and took part of my husband's paycheck on deposit. We have filed a complaint with OCC banking Commission.

Basically, we were short the $1000 they took. It caused an economic hardship in our bills being paid that month. We are trying to rectify that now but it will take some time. It was uncalled for and every person I speak to has a different story. I was being advised it was identity theft, that it was the "right to offset" on an error, that no error was made, that the instant transfer did not go through, and the transfer did go through and was reversed because they lowered your limit. And, finally Ms. M. says in a letter that there was no error and there wasn't enough credit to complete it. However, it was fine for 5 days, so they are actually full of it and someone is trying to cover themselves because as admitted by one they were supposed to lower it and it did not get done in time. Not my problem. I had no intention of causing them a problem, but it was all fine for the first 20 years. Now they must be in some financial trouble to do this type of stuff.

We intend to follow this through as far as we can go as it should not happen to others. So far the OCC has agreed—the right to offset does not apply here as that is for a delinquent account and ours has never been delinquent at all. I wonder if any other card decides to lower my limit. Can they call Citibank and seize our funds?

When my husband became unemployed, I called CitiBank to arrange a reduced payment plan on my mastercard. They said if we kept payments current, they would extend the plan at the end of 6 months. At the end of six months, instead of extending my arrangement, which was paid on time each month, they increased my payments from $300 to $500 per month and blamed it on Obama. Each month, for over a year, I tried to get a payment plan. Each month, they would ask for a certain amount of money, promising me an arrangement as soon as they could. I moved to TN for my husband's new job and lost mine in the process, so they referred my account to a collection agency who agreed to take less money than I offered CitiBank in all of my phone calls.

It does not make sense that they would not negotiate with me, placed my account with a collection agency with whom they have to pay a percentage of a lesser amount than I offered to them. They never told me that they were charging off my account. Something is not right with this. When I called CitiBank, I was transferred overseas and they kept blaming it on me. I offered them more money than they are getting through the collection agency.

I have been trying to get this mortgage company to work with me on lowering my interest rate and payments. We have not been 30 days late but have paid after 15 days. We have the FHA so we can streamline but they will not help. They also told me that because of my type of loan, they cannot help. The government bailed them out and they are not willing to help. Talk about being greedy. As a result, we now have to sell our home or ruin our credit by letting them foreclose. Where is our bailout?

Not only has Citibank declared me as deceased two years ago, now, I am getting phone calls from a collection agency. I will be closing my account shortly. Home Depot is fine, it's Citibank that's so ** up. They couldn't organize a good marble game! Here is my account number and see for yourself what is going on. My account number is **. By the way, they have cost me about 20 hours in the last two years dealing with their **. Thank you for your time.

Refuses to call VERTX debt group AT 516 624-1648, refuses to deal CCCS800 925-8871 to call and Company who as I gave account number! I was a good stait Payer and Rased apt to 40% and refuse to lower the rate many times I call. Server of PBS Dents my home address door. I am part blind for 3 surgeries to eyes. I told to leave the papers at door and don't come at night and He don't leave it!

I have been a customer with Citibank for over 15 yrs. The current credit card I have has been open for nearly 8 yrs. I have never been late on a payment, my credit is really good and I use my credit wisely. In January 2009, they raised my annual percentage from 11.99% to 29.99%. Their reasoning is that their cost of business has gone up because other people are defaulting on their credit cards and loans. So, it is apparently my fault for being a loyal customer? Unfortunately, I had recently closed my "other" cards and could not afford to close this one (stupid me). I have repeatedly requested them to lower my percentage back down to at least what they are advertising the same card to others, which is 11.99% to 19.99% and still they will not budge.

To make the long story short, do not believe Citibank's advertisements. When I signed up for this card it was 0.00% balance transfer and 9.99% ongoing APR, it is now a 29.99% ongoing APR. They are still advertising this as 0.00% balance and intro offer and 11.99 - 19.99% ongoing APR. It is a lie! They "might" give it to you for a little while, then when you start carrying any type of balance they will hike it to 29.99% and refuse to lower it. This is a complete scam. Avoid all Citicard Platinum % Diamond preferred cards. it is a complete false advertisement. They will change your card type without warning, I originally had the Platinum and they changed it to the Diamond Preferred. Then after a couple of years, they hiked my interest to 29.99%. I am paying a ridiculous amount in interest, which is costing me $$$ every month.

For several years now, I have been a loyal and on-time paying customer of Citicard Mastercard. In this time, I have usually carried some balance low or high and periodically would completely pay the card off even with as much as a $6000+ balance in one payment. Then as the credit crunch hit and I remained in good standing with a 700-720 FICO, they increased my interest rate to "their most competitive" which was 10% higher than my other credit cards. Then in summer of 2010, they lowered my limit to about $50 less than what I owed causing me to be over the limit!

I fought with them and they adjusted the over-limit issue but would not give my limit back or match my Chase visa interest rate. So I paid the card off at a balance of over $5000 in one payment. Then I used it for business travel and car repairs, hitting a balance of $4100 on a limit of $5100, the new lower limit they had given me. Again payments have been on time, but just went to use the card at a restaurant and was declined while on a work trip. I logged on, only to find out that it appears my credit limit has been lowered again, once again below what is owed on the balance! Plus, I did not receive an email or letter regarding this matter. I will never do business with any division of Citibank again and highly recommend others not deal with them either.

Our original loan is with Citi for thirteen years and credit scores 800+ assets avail in Citi accounts that shows that we could pay off the loan in its entirety if we chose to do so. All original documents (w2s, taxes etc.) were provided to the loan officer on the day we signed up. They happily took our $450 and that was the last consistent contact we had from them. We received emails from loan officers asking for the same documentation we originally gave; they never return phone call or email response. Four credit checks which docks us ten points each time and now if this doesn't close within time, it will dock even more on the credit rating.

Online tracking of the progress via Citimortgage.com is inaccurate. It was good faith that the estimate numbers changed twice. Apparently, it is now sent to underwriting, fifteen days before expiration of lock. Want to bet it doesn't make it? Inane questions, like why does an address show up on our credit report (duh - we lived there). They need additional copy of my husband's drivers' license, etc. Our processor is now unavailable for an indefinite time (read fired), so a new processor starts over asking for all the documents. Finally, I did find one guy from the customer service at Citimortgage, who actually seems to be helping, but at this point it's almost too good to be true.

Apparently going to underwriting in the morning, we shall see. We are livid, but honestly, I think we could pour all kinds of dollars into lawyers etc. and Citi would never be penalized. If it wasn't this, far along it would so easily pull out, lose the $450, pull everything we have out of Citi but now I'm not sure any refinance would be any easier, especially since we would need Citi's cooperation at their end. This is a scam to take your $450.

Back in September, I applied to consolidate all of my student loans. Then I received a letter from CitiBank telling me that Great Lakes, as of Sept. 24, bought my loans from them. However, I not only receive bills from Great Lakes but from CitiBank and NelNet. So here's my frustration. Why am I continuing receiving bills from everyone when I thought all of my loans would be consolidated into one payment from one loan provider?

Is this what we get when we deal with the Dept. of Education? This is one big bureaucratic mess? I need someone with a human voice to talk to and help me figure out this mess so that I only have to make one payment to one loan provider each month, not the ever expanding list of loan providers charging me twice for the same loans.

I had Citi bank card for a long time. One time, I was in paying my card because of the time difference and was charged a large amount of late charge. I went through a credit company that was suppose to be paying for my bills and found out that for 6 months no one contact my creditors and Citi bank filed legal charges against me. I wrote a letter and asked to make payments but that did not happen and they have collected $800.00 from my checking account in April and now in October they took over $1026.80 from my Dividend. Now, they have froze my checking account with $900.00 and are going to take that too with a total of $2,726.00 have been garnished from me and I don't know what to do. I am 68 year old and trying to work and make a living and I do have a house payment, car payment, insurance, electric, fuel, phone, food, etc.

I have sent them an application twice now for an extension for my student loans. I quit my job due to sexual harassment from my boss. Each week, I search for work and have been on unemployment benefits. I always paid my student loans even a few months into being unemployed and receiving benefits. They rejected my application for an extension of student loan payment, even though I had showed them a letter stating I was receiving benefits from Indiana WorkOne, as well as proof for the dates I've been receiving benefits. In order to receive benefits, you must show that you are actively seeking full-time employment (at least 3 locations per week) and I even showed them proof of this. However, they rejected my application on the grounds that I was not actively registered with an unemployment agency and sent me calls everyday that were voice messages about my mounting bills and late fees.

I finally was able to talk to a Citibank collector from India. He told me to refill out the application but mentioned that WorkOne requires you to search for a job. This is ridiculous since I had done just that and I'm pretty sure Citibank is aware of how an unemployment agency in the whole state of Indiana works. Anyways, I refilled out the application, with more proof and explicitly explained the conditions of my unemployment benefits. Two weeks since I have mailed it and the calls keep coming, I cannot get a hold of a Citibank rep. They ignore all my emails and messages I sent them on their website. What's worse is I feel stressed out every time the phone rings. I feel like they are ignoring me on purpose and are only interested in their money right now. I don't know the legality of them ignoring my request, twice in a row, but this just cannot be right. I am allowed by law to be entitled to 6 months grace if I am receiving unemployment benefits, but Citibank doesn't care!

In December 2009, I had a credit limit of 20,000 on my Sears Mastercard. My balance was about 1,600. In January, they reduced my limit to 1,100 without any notice which put me immediately pass due 500. I called them and asked them if they were going to try to charge me late fees if I did not pay the 500 right away. They could not do that because they lowered my limit below my balance. They said I could make the normal payments which was about 30 or 40 a month, even though my bill each month says my minimum payment due is the amount over the 1,100 limit (400+). Fast forward to Oct. 18, 2010, I received my bill and there was a $25 late fee on it.

I made a payment on Sept. 18 in the Sears store as payment was due on Sept 22. So, why the late fee? I was told I had paid only $40 and the amount due was $46. No where on my bill does it mention this amount. I was then told if I pay $76 they will take off the late fee. Since the $46 and the $76 are not on my bill, how do I know how much to pay? I sarcastically asked if I have to call them in Nov. to find out how much I have to pay because it is not written in the statement. The reply was "er, pause, yah". What can we do about this? My credit score lowered.

Citibank sends me applications for various versions of their American Airlines AAdvantage card at least twice a month. I have called three times asking them to remove me from all mailing lists, and yet these offers persist. I have also tried the general credit card offers opt-out, but that hasn't stopped the offers from coming.

I have had 3 credit card accounts with Citi Bank for a number of years and have never been late with a payment. And I always paid above the required minimum payment. On 11/12/09, I received letters from Citi Bank advising me of changes to the APR unless I opted out and closed my accounts. I called Citi Bank on 11/17/09 and opted out of the increase of the APR and closed all 3 accounts. It didn't matter that I called and opted out of the increase in APR. They increased the APR anyway.

I contacted Citi several times and they said the APR increased due to the special APR that I had and it expired. The letter does not say anything about having a "special" APR. It only states "If you opt out of these changes, you may use your account under the current terms until the end of your current membership year or the expiration date on your care, whichever is later." I have not used any of the cards since I opted out and closed the accounts. The APR should not have been increased under any circumstances. I want the APR to remain as it was when I opted out and according to the letter sent to me.

I called Citi Bank CS to ask for a statement of my closed account. I needed this statement to show my lender that I had a zero balance. The person I spoke to was very, very rude! Said they cannot give me a statement. I asked to speak to a supervisor. Supervisor was also very rude. I asked to speak to someone higher and was told she was the only one I could speak to. She also told me my account was closed, which I already understood. I told her I just needed a statement sent to me showing zero balance.

She just told me she can't do it and hung up on me. If this is the kind of customer service and the way they are trained by Citi Bank, them I'm so glad my account is closed and I will never ever do business with them again. I will also spread the news via my emails and Facebook on the terrible customer service Citi Bank has and warn my family and friends not to do business with Citi Bank. Bad news really spreads fast! But I guess Citi Bank doesn't care about their customers.

Citibank had a credit card I used with certain dividends. They changed the card (they call it an upgrade, actually it's a downgrade). I called Customer Service and they told me the dividend terms were the same even though they had reduced the dividends. It turns out their customer service lied. There are numerous other complaints on the web about it also.

This is not a complaint. It is a major concern from what I believe may be a fraudulent website. I wanted to pay my mortgage on line thru Citi Bank. I googled "citi bank" and came up with several choices. I selected one and typed in my user name/password and was told it was incorrect. It seemed odd at the time but I change passwords all the time for security reasons. Bottom line is, when I clicked on a link for help they requested my bank account number and PIN number and any account numbers-checking or savings associated with that account. Who asks for your PIN number? The site looks great and very official but most anyone can do that. I could be very wrong but it really concerns me for other folks. I did not give out that info to them but how many folks have if it is not a legit website? I copied the message I got and will paste it below.

the web site I chose from google was citibank.com. They refused my password and below is where I went when I clicked on a link to get my password- User ID Reminder

Any account linked to your ATM/Debit Card (e.g., checking, savings)

Continue...

As I said above. I could be wrong but I cannot imagine someone asking for your PIN number. I appreciate you looking into this. I have seen it for months now and should have pursued it sooner.

I have a personal loan account number ** with you and been paying an EMI of Rs.4386.00 per month. I have been requesting for the loan statement for a long time and been advised that I will have the statement in few days, but the days have never come to have the statement. Please send me the loan statement ASAP, as I am in need of it soon.

A while back Citi Bank also sent us a letter raising our rate from $9.9 to $19.9. We also never paid late, always paid more than the minimum. We used this card on my daughter's wedding so the balance was $8,000 so we opted out. No problem but now noticed that for the last three month the interest charged each month is higher.

Gone up $3 or $4 dollars each month but rate is still the same, they said they billed for 32 days the 1st time I called which is why it was higher, then the next month it was higher and last month even higher. And if they bill you for 32 days 1 month how can they bill for more than 29 or thirty the next. Each month for the last three month the interest charged to our bill has grown with no change of rate and pay down of account. Feel like we are really being screwed. We pay the minimum payment and at least $120.00 on top of that each month. Interest charged should be going down not up.

In the year 2003, I was using two credit card numbers **** and ****. In the month of **** 2003, I received a call from Mr. **** who was the manager of M/S Akebono Credit Services, which was situated in Nehru Place, New Delhi. He told me that if I pay Rs,33000/- to the city bank, they will be settling my final account and there will be no need for me to pay in the future. After the long discussion, I agreed to pay Rs.32000/- in cheque and Rs. 1000/- in cash.

Thereafter, I have given cheque with a number **** dated January 19, 2003 for Rs.32000/- and Rs.1000/- cash with receipt no **** dated January 19, 2003 on the same day to Shri **** who was the recovery agent. The cheque was cleared on January 21, 2003 from my account. According to the Citibank statement for the period January 20 to February 20, 2003, the outstanding balance against in A/C number **** is Rs.8007.10. This is after the credit of Rs 19000/- out of Rs.32000/- and balance in other card A/C Number **** Rs.4420.15 without any credit, Rs.13000/- from the cheque amount and Rs.1000/- cash amount with a total of Rs 14000/- to be credited against credit card A/C number ****. But the said amount was not credited in my credit card accounts.

As a result, the Citibank sends monthly statements with the late fee, interest, panel interest, etcetera. I feel cheated by the bank agent. I then wrote a fax with the full details to Ms. **** of Citibank in Chennai. I also discussed it with Mr. **** and also personally visited to Citibank Office in ****. There, I personally met with Ms. ****, Mr. ****, Mr. ****, Mr. ****, Ms. **** and other so many officers of Citibank regarding how to solve my problem. But they did not listen to me. In consequences, the agents of Citibank are calling me for payments. Please look into this matter and advice me. Thanking you. Yours sincerely.

I tried to reactivate my new Citi credit card because my phone got disconnected in the process. So, I called the customer service rep. but he was really rude. He asked me to verify something, which, I didn't understand because of his thick accent. When I asked him 5 times, he got irritated and started yelling back at me. I was upset with his service.

On 13/8/2010, I sent in a Citibank Credit Card application form to apply for a Citibank Clear Platinum Card only. The officer in charge of processing the card called me during working hours to persuade and convince me to sign up for another Credit Card, which I declined and told him that I was busy at the moment. Later that night, another officer called to inform me that the application for my Citibank Clear Platinum had been approved.

5 working days later, on 20/8/2010, I received the Citibank Clear Platinum only. Happily thinking that the whole issue was settled, I was totally unaware of unscrupulous doings of the Citibank officer.

The day of revelation came when I received two letters, on 25/8/2010 enclosing the PIN for the Credit Card or cards! I've received PINs for two cards 1. Citi Clear Platinum Card. 2. Citi Dividend Mastercard (which I obviously didn't sign up for). Upon inquiring the customer service officer, the two cards were processed at the same time. The customer service officer then went on to pacify me by saying that it is okay because there are many extra benefits to owning the Citi Dividend Mastercard and all they need to do is to resend me the card since I didn't receive it!

It is definitely not okay! This is a case of fraud, with the officer forging my signature since it is required beside the name of the credit card that the consumer wants to apply for on the application form, hoping that I will never find out, by not mailing the Citi Dividend Mastercard. Probably overseeing the fact that I will realize it when I receive the PIN.

The customer officer then went on to assure me that they will do an investigation on this issue and will get back to me by the 3rd working day!

In May/ June 2010, I withdrew all funds from my business account and notified Citibank by mail that Company has closed and requested the account to be closed. In the meantime, instead of closing the account, Citibank decided to charge me monthly fees for having a "low" balance. I've been out of the country for the past 2months and the only way I could deal with the situation is via email and phone. Citibank has refused to close the account unless I go in to the branch to pay the balance due from bank charges. They have sent the account to collection, thereby ruining my credit for a paltry sum of $17 that was not supposed to be there in the first place, if they had closed the account as I requested.

They lied and said they sent me an opt-out notice in the mail to avoid a 12% increase in my APR. When I called, I was transferred 8 times before finally being hung up on! I was 6 days late on a monthly payment and I now have a $632 late fee! They have now closed my account and I'm stuck with the bill.

I closed my account and had a $167.00 credit. I was told in early May that it was going to be credited to my bank account. They had the checking and routing numbers. Our bank said it wouldn't clear. One phone call to Citibank with a request to resubmit. Again, it wouldn't clear. Another call to Citibank, we requested the check be mailed to us and they assured us it would be in the mail. No check came. Another call, and another, six times in total, each time with assurance it was sent.

Today, it is Aug. 21. I spoke with the top manager and was told it's the fault of the U.S. mail that all these checks were mailed to us. She is very unpleasant woman who would not stop talking and offered 0 in the way of respect or apology for this scam.

I was called by the Citi Bank Bur Dubai claims department. A Filipino staff attended me, but he was just immature, and could not reply to my questions. He then brought the manager/supervisor, a lady from Indian origin, who was impolite. In her conversation, she used words like, "You don't understand." When asked for claim form, she says, "We don't work that way. When I told her that I have a credit shield Plus, I have paid the insurance for this, and I have been exempted from other banks under the same coverage, she only says, "We don't work that way." She was very unprofessional.

I have recorded the conversation. If needed, I will present it. She was all the time insisting for me to pay the minimum and if I don't get a job, then I still have to pay 95% of my outstanding--the bank will only pay 5% of the outstanding. In the application form of Credit Shield Plus, it is clearly mentioned, quote: "Credit Shield Plus is an optional credit insurance program designed to protect you from the liability of paying the outstanding amount on your credit card in the event of Involuntary Loss of Employment, Temporary Disability, Permanent Disability, Critical illness and at the unfortunate event of death.

Credit Shield Plus thus provides you peace of mind to tide over emergency situations by taking care of your Citibank credit card dues. How it works: Credit Card Outstanding (up to specified limits) are paid by the insurance company in the event of Involuntary Loss of Employment, Temporary Disability, Permanent Disability, Critical illness and at the unfortunate event of death of the Citibank Credit Card customer. Critical Illness means the first diagnosis of any of the following illnesses first occurring after the acceptance date (Date Of Enrollment)."

I am very much surprised to see that Citi Bank has such staff, who are not aware of the policy, and rude to customers. I would appreciate it if you could look into this matter. Sir, I have worked for a reputed bank, but we never dealt with customers in such uncivilized manner. In the presence of other customers, I was humiliated.

6/9/10 Noticed a $300.35 Service Analysis charge on my business account, resulting in a negative account balance of $229.83 phoned bank and requested statement be mailed. Operator noted my new mailing address and said statement would be mailed.

Continued making deposits to business money market account. 7/8/10 $270.71 Service Analysis fee charged to my account. Asked rep in branch why my debit card doesn't work and I'm told the account has been closed due to a negative balance. Learn that the money in my Money Market was moved to cover the negative checking balance. Negative balance is now $500.99. Rep tells me I have to speak to my account manager who opened the account. 7/9/10 leave voicemail for account manager Michael ***. 7/21/10 called Michael ***, he states he tried calling me but couldn't reach me.

I ask why I never got the statement I requested, he says it was between cycles so I wouldn't have received a statement. I ask for a statement, he emails it to me. I ask what's the service analysis fee, he states it's overdraft items. I tell him I paid the return check fees and didn't have any new transactions on the account. There were 3 automatic payments via PayPal on the account, but Citibank didn't pay those items. I'm told even if Citibank doesn't pay the item they can still charge me $30 just for the item being presented to the account.

PayPal tries 3 times to process a payment, that's $90 in fees. I asked for a copy of their policy stating by having an account I agree to those fees. I'm told every bank charges those fees and I should have a copy. I repeat that my documentation doesn't show a fee for unpaid items. He says he'll fax me the documentation. He offers to reopen the account, if I can say that this problem won't happen again, that if I just tell him my business had a "hard month", then he'll "waive the fees" and reopen my account. I repeat I don't understand the fees in the first place and said I'd call back. After going over the report another 30 minutes, the fees don't add up to the charges.

One report shows 12 items presented, another report shows 10 items presented. I was charged for 10 items, but can't figure out why the numbers don't add up. I email Michael asking him to fax the explanation of the fees (he never does), and for him to call or fax me a detailed explanation of the charges on my account (he never does), I also stated in my email that his comments on my business having a hard month is insulting. 8/1 call customer service and ask if someone else can help being that Michael never called/ emailed/ or faxed. I'm given the names of two other account managers to call. 8/1 left voicemail for David Hines. 8/2 David calls back but I miss his call.

8/11 I retry David. 8/12 call David Hines again, he says he missed my call the day before. I tell him I never received a statement or even a later stating my account had been closed. He replies "Well, I don't show mail being returned. If we had the wrong address, the mail would be returned. " I tell him I get other mail no problem. He says he'll mail me the statements. I tell him, I need someone to go over the statements with me as I've already received an emailed copy from Michael and the numbers don't add up. He tells me he just mailed them. I ask for the documentation explaining fee policy he says I can go into any branch and get it. I tell him I shouldn't have to it was supposed to be faxed weeks ago and he says he'll put it in the mail.

Fed up, I go to what I thought was my original branch. I ask to speak to a "Branch Manager" at 1 Wall street and the guy I spoke to said the customer service agent could help me. She pulls up my account and says I'm not at the branch my account was opened at. I ask should I go to that branch and she says "No, I can help you here. " Asked why account was closed, response, "Because balance was negative". Asked why I never got anything about the account being negative, response, "Oh, we have two profiles on you and the address is wrong on one of the profiles so the letter we tried to mail you was returned on August 5th."

Wait, just a few hours ago David assured me no mail had been returned. Asked why I keep getting different answers, no response. Asked for an explanation of fees. She starts to add them, then stops and tells me about the unpaid PayPal transactions, I tell her I see them and say it doesn't add up. She stops trying to add it and ask if I want my account reopen, my response, " I don't know if I want an account with a bank that charges me fees that they can't explain. " She states the account was closed because of PayPal. I tell her the account was closed because of the $600 in fees Citibank imposed while not sending me documentation my account that would enable me to realize that PayPal was making multiple attempts to process small payments.

I again say the fees don't add up and I want someone to review the fees and explain them to me, (there's an attempted debit for .01, yep a penny, why am I charged a $30 fee for a penny transaction? ) No response. I ask if my money market is closed, she says yes. I ask why, she states "back office used the money in that account to cover the negative balance in your checking account. " I reply the balance is the result of Citibank fees not items paid by Citibank. I also inform her that the Money Market did not have a negative balance and ask why was it closed. Response, "because it was tied to your checking." The two accounts weren't linked, but according to this rep, a business can't have a money market without a checking account. She goes to ask her boss, Mrs. Harper, if I can reopen my Money Market.

She comes back and tells me in order to reopen my account I will have to pay the $500.99 because this the money Citibank paid to close my account. What? Citibank paid itself to close my account. I say I'm not paying the fee that no one has added up for me. She asked if I had tried going to a bank prior to this point, I replied I had and was told that I needed to talk to my rep. She asked if I tried going to 111 Wall Street. Basically implying that I could have had the information sooner had I just gone to my original branch. Strange, David told me over the phone that I could walk into any branch and get a statement and an explanation, but when at the branch everyone tells me I need to talk to my account rep.