CitiCard

They sent out the promotion that read: "Earn a $200 statement credit after you make $500 in online purchases in your first 3 months." I made $413.81 online purchases in December on my husband's card and when I called to check that we had gotten credit for this they refused to give me credit for any purchases that did not show up as ".com" on the statement. Frontgate and American Girl ran my online purchases thru their catalog and ".com" did not show up on the statement. Citi did not say anything about making sure my online purchases showed up as ".com" on their statement. I offered to send copies of confirmations I printed from these companies, proving I made them online but they said it would not work that way. I am tired of credit card companies baiting the consumer (their customer) this way. So beware of this promotion and make sure you confirm with the vendor that their billing will show up as a ".com" on Citi's statement.

My credit card got rejected. The reason for the same is I don't have taken any loan or credit card previously from my account. Is this a valid reason?

We had a $28.83 charge that was due on 12-24-11 and was overlooked until it was paid on 1-1-12. The fee charged at that time was $27 (25.24%) due to the fact of the late payment. Sears was called and told that we wanted the high interest reversed as we have (until then) paid on time. The next bill totaled $37 and the latest is now $64! We called Citibank as it handles Sears credit and they would not reduce the fee lower than $29, more than the original charge! We have cut up not only the Sears card, but our other Citibank card we'd been using for our business. We will never use Citibank again!

I received an offer for a Citicard that would refund $450 if $2,000 were charged within the first 3 months. I applied and received the card. The limit was $500 a month (every other card I have has a limit over $10,000 as my credit is good). I called and asked how I could reach the $2,000 mark with such a limit. It was agreed that I could pay on line as I go. When I tried to do this, the program would not accept payment for charges that appeared, but did not appear on the statement. When I called Citibank, they agreed to accept payment, but only after a long discussion. Today, I went out and charged $37. That was accepted. Then I tried to charge $250 but the card was refused. I called Citibank and they said they were still figuring out my charge patterns. This charge would have brought the total well within my $500 limit. What is Citibank doing. In my book this is bait and switch, and unethical behavior of the worst kind.

After a year at 9.9%, CitiCard raised interest rate to 28.24%. I have no late payments, nothing wrong. They just raised the rate out of the blue for no apparent reason. I've been a great customer and this is my reward. I called they said this is the best they can do.

I've had my Sears/Citibank card since 2009 and never used it until this past December/holiday season to purchase a few tools. I never received a bill in the mail and the next thing I know, there's a voicemail on my phone saying my payment is now nine days overdue. I got one *** of a time speaking to two different CSRs located in the Philippines and trying to pay for my bill over the phone was ineffective because their system did not recognize whatever information I gave them. Funny because I use whatever charge/debit cards with a multitude of vendors, etc. and no problems. I asked why no bill and no answer.

Now, I have what amounts to a second billing which shows a $25 late charge and additional $2.57 tacked-on every month to cover a sort of insurance just in case I can't cover paying for my balance of $200. What a laugh! On top of that, I went paperless before receiving this so called second bill and had already paid $71.24 for a $25 bill due on Jan. 24th. I read about others not getting a bill in the mail so I know I'm not alone and I am never late with any of my bills. So, this looks like some kind of scam in drumming up more money which Citibank will see blow up in their faces when the feds catch-wind of these practices. I will keep my account open for that day to come.

When the economy went south, Citibank raised our rates just like they did with most, if not all, customers. Their reasoning was the bad investments they made forced them to raise rates. Since the summer of 2011, I have been trying to reduce my interest rate with Citibank. I have been doing everything right. Pay on time, yes. Pay more than the minimum, yes. Pay our other bills on time, yes. Yet the only thing we have to show for it is a 1% drop in our interest rate. In July 2011, my rate was 21.99%. In Aug 2011, they dropped it to 20.99%. Citibank indicated that they would review this every six months, however, if I hadn't called in August, I would not have gotten that reduction.

Further, I have asked what are the criteria for the lowest rate. The Citi Platinum Select MasterCard has a rate from 11.99-21.99%. I have had this card for about 26 years and never had any problems. Citi indicated that this is the best they can do. I find that to be a lie because my husband has the same card and his rate is 12.99%. There are two differences. He has had this card for 6 years and he is not carrying a balance ($0 balance). I just need to know what we can do to reduce this rate. Our next action will probably be a balance transfer considering that the last email from Citi basically stated that they were holding to the rate. What should we do?

The company sent me an invoice twice after the due date. Then they claimed the payment was late! How can it be late if they never sent a bill in the first place?

The first time it happened, they claimed they'd sent me paper invoices. I received a paper invoice once. The second time it happened, I asked to cancel the account. After talking to 3 people to attempt to cancel an account, they offered me money to keep it open! Of course, that money comes from people making minimum payments that are paying interest. No thank you! There are several companies I can work with that will send me an invoice before the due date.

I set up my Home Depot account for automatic payments in April 2011. My monthly payment at that time was $10.00 with balance approximately $200.00. According to CitiBank, a federal law was passed changing the minimum monthly payment on my account to $25.00 a month. So, in August when they deducted my autopay of $20.00, it was short $5 and they charged me a late fee of $25.00. Every month since then they have taken out my autopay of $20.00 and charged me a late fee of $35.00 thereafter. I now have late fees of $140.00 accrued. In December, when I opened my statement, thinking that my balance is approximately $100.00 and I will just pay if off, I find that my balance is now $225.00.

I called CitiBank and they told me that I should of looked at my statements and that they would only reverse 2 late fees. I would have to pay off the account for them to do that. I asked them why they never tried to contact me via phone or e-mail and they said it was my responsibility to check my statement every month and that there is nothing that they could do about the other $70.00. I know there is a law breached here and want to know if anyone else has had this same situation. I would love to start a "class action lawsuit" against this company and let them know they cannot do this to people! I have looked on the internet and cannot find where there is any "federal law" stating this.

I've had an account with Sears for 20 years. I've paid off one account and reopened another because of a change with my marital status but I make my payments and more times than not pay over the minimum amount required. I received a letter in the mail regarding a increase of my interest rate around the time the economy went down. I called to ask why and to convey my loyalty to their company. Because of the interest increase, it put my balance over my limit.

After I paid it down under my credit limit, again, they decrease my credit limit. I've called several times requesting explanation for these actions. So with a endless futile battle, I decided to make regular payments and within the same billing cycle, write an additional check for principal only, at the store. I was told from the store clerk to contact them to direct the payment towards the principal even though it was written on my check. I contacted Sears by email to advise them of the payment. They replied with a statement saying because of the contract agreement, this process cannot be done.

I am not please with their service. I've been a good customer for many years and faithful to pay even high interest rates. I feel discriminated against because I do pay my bills and I believe the company did this for reasons of non paying customers to cover their losses. I will find a way to pay it off, however something should be done about their business and customer service. After all when their paying customers are finished with this debt and never reopen or do business again then maybe they will see you cant run a business by raping those who feed you. Yes, I am very disgruntled and have every right to be with a interest rate of 29.99%.

I failed to mention earlier they said I could keep my lower interest rate but I had to close my account. That's unfair. I was in the middle of building a house, so to close my account would reflect a lower credit on my credit score. Thank you.

I tried to use my card to entertain some clients yesterday and it was declined. I know I have a pretty decent limit so I called up customer service. They told me I had called earlier that same day to cancel my card because of fraud charges. I never spoke to anyone from their department before. So someone called up that was not me and cancelled both of my cards. I have passwords on my account and the rep states that she can't give me any information on my account. I am purchasing gifts for the Christmas season and I have no card to do it with and this is my weekend to shop. They said they are mailing me another card within 5-7 business days. This company is a joke. My school fees and other transactions that were pending were cancelled. I may have to pay additional for expedited services that I purchased with my cards and if that is the case, I will not pay any additional fees due to their mistake.

Account holder in good standing since 1998. Pay balance in full every month. Never carry a balance. CitiCards changed the account number again because of an internal security issue, not due to anything I did. Second time in a year, requiring contact with every merchant I do business with on a regular basis to change the number. (Pain in the posterior.) The real problem is that the last time they changed the account number, they arbitrarily stopped sending me e-mailed statements. I've been paperless for years and have regularly received statements, prompting me to pay in full.

I realized that I am ultimately responsible for paying the bill each month but I depended on the reminder. Needless to say, the payment was missed, costing me an additional $100. I had not changed preferences nor changed e-mail addresses. They just stopped coming. Nothing I do to the account seems to restart the paperless bills. The cynic in me thinks this is deliberate to generate more revenue from the late fees. Unfortunately, I'll probably have to revert to paper bills.

I disputed a fraudulent charge and the merchant lied to Citicards and now the charge has been billed again to my account. I had received no service from such a merchant but the Executive Office at Citicards is on the side of the lying merchant. I never had any business with the merchant, was not told of a non-cancellation policy and in fact in CA there is a law that one can cancel any contract (there was never one to begin with) but Citicards will not refund my charge back. They are indulging the merchant to continue with their fraudulent scam and I have been a customer for 7 years now and have paid all my balances in full each time. I refuse to pay a fraudulent charge and Citicards refuses to help me. They got a huge bailout but only care for the lying merchant. I am appalled and just cannot in good faith pay this charge and have no idea where to turn. If anyone knows of where I can get assistance, please contact me.

I can't find a person to talk to at Citi who can stop the ongoing preapproved credit card mail offers. I have signed up for the FTC 'opt-out' program for preapproved credit card offers months ago and it has stopped all but Citi. Who can I contact to stop the offers?

I had a Sears/Citibank credit card and it expired in September 2011. They closed the card due to an "account review" by Citibank. They stated that my other credit cards (2) were almost at their limits and my credit history was not long enough. Based on those facts, they closed my account. They did not consider the fact that I pay them on time every month and I pay what I am supposed to pay and sometimes more, if I have it. I haven't had a late payment with them since 2009 and I shop there constantly because I like Sears.

They stated that the "account closed by creditor" would stay on my credit for 10 years and could have an impact on whether I am able to take loans or open other credit lines in the future. The customer service rep was insensitive to how crazy their reasoning was and did not care. I am very disappointed in Sears/Citibank because it seems like I have no control over the situation. My credit line was canceled to "protect their interests". I look bad to other creditors. I do everything I am supposed to do. But no one at their company seems to care that they wronged me and others out there.

On October 2009, Sears Credit Card Citibank account was opened with a pre-approved credit line of $4,000.00 and on July 2011, the credit line was decreased to $3,450.00. I was not notified in advance of this decrease which in turn, pushed the card over the limit, causing an over the limit fee. The account has been in good standings, never late, paid as agreed, paid more than the required payment...etc. I contacted Sears-Citibank via customer service and I had been advised that the decrease was due to a credit review in July.

I have good credit and none of my other accounts are past due, over the limit, or anything that would lead to a bad score. I requested that they return my credit to me to at least cover the over fees. My request was denied but they credited the over the limit fee.

On November 7th 2011, a purchase was attempted at Sears but it had been declined. I contacted Sears-Citibank via customer service and I was advised that my account was closed due to another credit review. I was not notified of any closures or decreases. I requested that the interest rate to be lowered in order to pay off the closed debt and/or re open the account. Again, my request was denied. There was no options, assistance, or suggestions of any kind; just very poor customer service. I am insulted.

My family and I were embarrassed due to the declined account at the Sears store. I pay my bills, on time, every time. Even more than what is required and I have been penalized for paying my bills. On November 9th, I received a pre-approved credit card application from Citibank, with APR of 11.99% welcoming me to Citibank. Yet, they closed my account and refused to lower my interest rate, claiming they cannot lower the rate. I am left with a closed account with an outrageous interest rate, therefore, the bill will take years to pay off. I lost my points earned thru Sears and lost the pre-approved credit, right before Christmas. My credit score will be harmed due to the creditor closing the account. I am embarrassed and insulted.

I had this Sears/Citi account since 1987. Unfair credit practice by misleading payment arrangement. Until 10-31-11, I did not know Sears has two different types of nego payment(s): 1) "Schedule monthly payment arrangement plan"; 2) " Schedule payment agreement". Both require a checking account in the cardholder's name.

I was a victim of the "Schedule monthly payment arrangement plan". You receive no credit under this plan. I still got charged with late fees that were added to the balance and interest added as though I purchased something and it always showed on my credit report as three months delinquent. They mislead me into thinking this was the only payment plan Sears offers.

I knew nothing about the " Schedule payment agreement" until I offered them to do a cash settlement because my Sears account balance kept increasing without any purchases (only the one Sears shows and that is their late fee). I was told I received zero credit for the payments made because the payments were an arrangement plan, not a payment agreement. This is definitely misleading customers.

On October 27,2011, I received a letter from Citi Home Depot credit services, stating that my credit card account has been closed. My account has a zero balance. Upon calling the customer service number listed in the letter, I was told that they could not give any details about why the account was closed. Except for the fact that I was delinquent on another account. The other account may not even be a Citicard account! Do they really have the right to do this? Especially with no explanation? I've never heard of such a thing! What a racket!

I called to get my balance and went through a 15 minute run-a-round because I didn't have my security code that I set up years and years ago. All I needed was my balance to pay you off. I had my address, phone, acct number, SSN, and everything else. I don't get statements anymore because I signed up for the email program, which changed. When I am finally able to pay you off, I get the run-a-round. Thanks for being such a helpful credit card. Though this is of no consequence, I'm guessing, thanks. I can't wait to pay you off and not recommend you to others. I'm tearing your card up.

When I opened this card, they offered me a credit protection that costs about $10 a month. I was buying a house and I needed to pay off my credit cards to qualify, so I called Citicard to pay off the account and cancel the credit guard called Watchguard.

Two months later, I got a bill from Citicard with the Watchguard charge and a past due fee. I disputed it. Then I got another bill with two Watchguard charges and another late fee. I called Citicard and they gave me credit for the late fee but not for the Watchguard charge. They informed me that I have to call another number to cancel the Watchguard service.

If Citicard is the one who offered the Watchguard service, then why is it up to me to call a separate number to cancel it? If I had closed the Citicard back in August when I paid it off, I wouldn't have had this problem. Which tells me that Citicard and Watchguard are one and the same company. So why is it incumbent upon me to call a whole other number to cancel Watchguard, when I could've just closed the Citicard account to stop them from charging me. When I called Citicard about it, they wanted me to pay the Watchguard charge and the fees and then dispute it.

I'm going to close my Citibank account because if I have an erroneous charge and I dispute it with them, are they going to tell me to pay it anyway and then dispute it but not before I called the company that erroneously charged me to ask them to credit it back to me first?

It's obvious to me that Citicard is all for their profit margin and ** the consumer. This whole process was illogical and frustrating. I'm closing my account.

I lost my credit card. I was told that a new one will be sent within 7 days. After about 15 days, I phoned about the cards. I was told that my account was closed. No statement was sent. I phoned to find out how much I owed. The automated service told me I had a zero balance. I knew this was not correct. I phoned again and was told how much I owed. It was a large sum and I asked for a detailed statement of the account. I got a summary statement with late fees and interest charges. I spoke to another representative who promised to ask to have these charges canceled, and would send me a detailed statement. I got a summary again with a new account number, but I received no cards.

Please stop soliciting me to obtain a credit card. The day after your spokesman leaves the country, as he promised, I may consider getting a card. In the meanwhile, stick it in him where the sun doesn't shine. Thank you. I will expect no more mailings as you are wasting money.

They issued a new card to me since they evidently were hacked. Their system wouldn't let me pay electronically and kept saying I didn't have the number I had. After numerous complaints to them and payments all along, they are charging me late fees/finance charges and refuse to credit them. I've offered each time to pay in full when they did that, but they say the fees are valid. I no longer want this card nor my Citibank account but I need to get this cleared up first. I always pay in full every month. How can they be allowed to do this?

I have been a loyal customer of Citibank for over 10 years now and have had my credit cards with them, but now, I am so frustrated and disappointed with them that I will probably cancel all my credit cards with them. I had to close one of my credit cards with them as I had fraudulent activity on the card, but I had not used the card for over a year now. I did have 57371 points on it that no one told me that would go away if I close my account and not use within one month. I asked to just close the account as I was not using them and in turn, lost all on points when I went to use them to book an airline ticket on day 31. Due to the poor customer service representative who did not tell me that I would lose my points in a month, I incurred the loss.

I thought the supervisor or someone will be able to help me as it was only a day late, and every time I call, they pass me around from one person to another, and eventually, in the middle of my calls (3 times now), the call gets disconnected. The unbelievable part is that my account was not even closed when I asked to close it and it was closed a few months later. That's what I found out when I called the fifth time, and they cannot figure out why I lost my points. No one is sure why I lost my points as my account was closed later.

On two of the calls, before they got disconnected, I was even told that since I have another account with "thank you points", they may be able to get the points there, but nothing happened with that either. This is the worst customer service I have seen in years as they don't connect with you or even call back after getting disconnected.

My new MasterCard was allegedly sent late in the month of expiration. A second allegedly sent also did not arrive. When finally one was overnighted to me, I was told I would have to be home to sign for it. I waited several hours only to discover it had been left without requiring a signature. In addition, the temporary card is only good for a month, which does not solve the problem of needing to re-register with auto-payment sources such as Netflix. Worse yet, after wading through the phone menu, being put on hold, I finally reached an account manager in Maryland and was disconnected. He returned the call to my answering service but did not leave a number to reach him directly.

Back to menu hell. Allegedly, another card is coming today with a later expiration date, but they could not furnish that date on the phone so that I could go ahead with my re-registrations. This is not the first time I've had to argue to get a timely card. It is easily remedied by sending out cards a month before expiration.

I overpaid on the credit card by mistake because their billing system is confusing. When I closed the account, I made sure that I double-checked all the numbers for the last 12 months.

Unfortunately for me, I had overpaid this account and now I cannot get them to answer me on my request of a refund. I have sent two letters and am now sending a third letter after several months.

We have a Citibank/Sears MasterCard for 11 years. I never missed a payment and would make payments on our card at Sears with cash. We were canceled without warning, letter or notice. When we asked why, we were told it was because we made payments on our card with cash and that looked unusual. So we were canceled for making payments.

I found out today 09/15/2011 that my Citicard credit card account was closed. They claimed that it was closed because I called them up but I never called them to close my account. I called up Citibank and asked them why it is closed. Beth, a Citicard manager, told me that their records indicated that I called them up to close the account. I informed her that I did not call up citicard to close my account. She told me that that she will investigate and will try to reopen my account. I told her I'd been a member of Citibank since 1999, and there's no reason for me to close the account. Then, Beth called me back and told me that the account was closed for more than 1 month and they would run my credit report. Then at 1:30pm, Beth called me back and told me that they could not re-open my account since on the credit report we have a lot of debt.

I told her that my credit rating is good. My concern is, that Citibank was able to close my account, without my knowledge and without any reason. I have never been delinquent with any payments with them for over 10 years. I am at a loss for the reasoning behind the closing of the account and am distressed that banks are able to essentially take credit away from me without any notice or reason.

My son got accepted to Fordham University in New York. He was looking for an apartment and found a steal of a deal; however, he had to have the money, $2,500, in 24 hours. Since I have good credit, 728 rating but like everyone else short on cash, I told him that I would write a Citibank Visa check as they had for months been begging me to use it. Expiry of the checks was dated August 28, 2011.

I went to my local branch and had the assistant manager look at the offer to see if there was any reason why I should not be granted this request. Scouring the information on the "checks", she responded, "You are fine. You have $4,000 available on your card and since you are using only $2,500.00, you are good to go." She escorted me to the next teller, telling her to put the money in my account from the check and then transfer the $2,500.00 to my son who is a Citibank account holder as well.

It all went flawlessly until five days later, I went to use my card to by a Jamba Juice, only to find it rejected. I went to another branch of Citibank to find out that the check of $2,500 was returned due to insufficient funds. What? I asked. I got it approved by my branch and had them look over every bit of legalities to make sure it was fine and it was. The branch manager got Citibank Credit Card services on the line and they had no idea why it was rescinded or shown as insufficient funds.

Days later, I appeared at the bank to once again and inquired why the check was rescinded which caused me to go $2,000 into my overdraft and cost me $10.00 in fees and $10.00 for returned check. The lady, a manager, at the Credit card side only said, "We can refuse to honor the checks at any time for any reason. "I fought her, calmly saying, "No, you can't. You must legally provide a reason that it was rejected. Have I been over my limit?" I asked. "No" she replied. "Have I been late with a payment?" "No," she once again responded. "Then, why was the offer rescinded when I just got new checks begging me to use them up to September 30th?" She stated, "That's the marketing department. It has nothing to do with us." "Really, are you serious? So, one hand does not know what the other hand is doing?" She simply stated, "Read your offer and you will see we can refuse the checks at any time."

Later, I did read it and nowhere on the offer sheet did it say that. Even the bank manager and assistant got involved as one month later, no one still knew why it was refused. The Manager of the branch got the other big wigs involved and still nothing. No one knows anything and no explanation has been offered on why the check was later rescinded.

Me and my husband are out of job. His unemployment is running out and we need to do drastic cuts in our budget, beside those we've already implemented like not going out, cut cable, etc. Today, I called Citibank asking them to cut my monthly payment on my credit card which is about $440/month. The customer representative, Christina, after hearing what I am about, asked me to hold and said she have to consult other department about it.

After a couple of minutes, she came back stating that since all my payments are current, they are not able to do anything for me. I asked her, "Do I hear it right? Since I pay my minimum on time, you will not work with me?". She said correct and it went like this: I would have to stop paying and go delinquent, then they will work with me on lowering my monthly payments. So it also means that instead of working with customer, as I am willing, and calling them asking for help in financially strenuous situation, they refused so they can slap on my additional charges for not paying my bills on time! It is absolutely outrageous! I should probably open a new card and transfer my balances out of Citibank!

I had applied for a secured credit card where I was told that a deposit was required. I paid the teller $200.00 to have the money put in the card and she advised me that I was going to get the card in the mail within 14-30 days. All I got was a denial letter that came in the mail about 2 weeks later, stating that I was going to get my refund back shortly. I applied for the card back in April. Due to me counting with that money "shortly" I seen myself loaning money from someone whom is charging me interest for it. It is now September and I still have not received anything, and I have been calling the 800 number and all I get is the runaround. I don't think this is fair! I know it's not much but is sure indeed needed!

I had applied for a credit card few months ago. There had been an error in my credit report, which I did provide a copy of my credit report along with supporting documents and a letter to the CitiBank. Since then, I have received two letters from R.M. ** regarding sending a copy of my credit report. It seems that he/she does not have a clue how to take care of his/her job. The letters are exactly the same with no more explanation. I am extremely disappointed with the way that CitiBank is following my case. I would like to make a formal complaint to CitiBank, as well as a formal complaint agains R.M ** (of the credit operation department).

I'm a college student looking to get a credit card just to build my credit history, so I searched the Internet for recommendations. Most websites recommended Citi Dividend Platinum Select Visa Card; after deliberation, I went ahead and applied for it. I got approved, and the card arrived a week later. To my surprise, I got a MasterCard instead of a Visa, and it looked like it isn't a college student card. I called and wanted to talk to someone who can correct this, and I was told that they cannot convert my card to the visa one. I was just told that they are pretty much the same, but from reading around the Internet, no, it's not the same.

The only choice I am given now is to cancel the credit card and get the one that I wanted, but see, the reason I wanted to get a credit card in the first place was to build my credit history. Now if, I cancel this card and get a new one, I'm pretty sure my credit score will be affected, and that's just inconvenient. They were the ones who made an error, and I'm stuck with a card that I didn't apply for. I don't know if I want to activate the card, but I don't think I want to close it immediately. They can argue all they want that they are just the same, but this is not what I applied for. I'm still going to find a way to have them correct this. I've talked to four customer service representatives, and no one has been able to help me yet.

Citibank canceled my credit card for lack of use without warning me, without even notifying me it would be or had been done. This was done despite my having been in touch to change my address a mere 5 weeks ago. I had this card since 1988. And I need it now because I have moved back to the US.

On Thursday, 8/4, I received a phone call that I'd missed a credit card payment and the gentleman indicated he was calling because it was highly unusual on my account. Well, of course, I said, as ever since I've had your credit card, I've had automatic payments enabled! He told me that service was no longer available and that I should have received a letter.

I've received no letter and, in fact, I've been away from home for over 45 days, so a letter wouldn't have helped me anyway. Why no e-mail from you, I asked? Regardless, I went online and made an immediate payment in excess of what would have been my normal automatic payment.

When I logged on to the CITI site, the following was posted on their homepage, "Please Note: Due to upcoming system changes, the AutoPay feature will not be available after July 22, 2011. After July 22, you must pay your bill each month online, by mail, through your bank or using a bill payment service. For more information, please contact Customer Service."

After making the payment, I called customer service and was assured the late fees and interest would be credited to my account, though it would take 24-48 hours.

Now, today (8/6/11), when I sign to double check the status of the late fees and interest being credited to my account, I see a message that the late fee cannot be refunded. Again, why is there no phone call or e-mail to tell me this? At least an e-mail to tell me I have a "secure" message on your website that I should read? I therefore posted the above on the CITI customer service website.

I requested, that since customer service was unable to resolve this issue to my satisfaction, that they escalate this issue. I will be reporting this to the BBB, to consumer affairs, and to the Attorney General of South Dakota... And closing my card!

I have been a Citibank credit card holder for 4 years. During this time, I have never had a late payment and the account has always been in good standing.

I was just informed that my interest rate rose to 29.99%. I have asked several reps via phone and in writing for an explanation and I am given an "I'm sorry!" With the $300b government bailout Citibank has received, they should not be "double-dipping" their customers.

This is a complaint about repeated calls that I get from Citicorp or Citibank when I am passed due on my cards. I don't mind being called, but it is continuous.

If I don't get the call, please just leave a message and I will return the call. A lot of times I am out of the house.

Right before the credit card laws went into effect, Citibank raised my interest rate to 29.99% even though we have never been late paying them. When I complained about it, I was told that they have to make money someway. They said a lot of people are defaulting on their credit card so they have to raise the interest rate on the ones that pay their bills.

With that, the payments also raised and now I can hardly pay my bills. I could understand if I paid late. But I always pay on time.

I have been a victim of identity theft. After being a CitiCard Platinum cardholder since 1996 and in their top 8% world wide, my card's limit was reduced to a token amount when they realized I had been a victim of identity theft.

Citi stated. "I am guilty until I can prove the delinquent accounts and collections, were actually made by a criminal". Meanwhile, the person is using a completely different name and my social. This is stated on my credit report. In addition, I have paid my card in full, each month, for 16 years and never missed a payment.

I am interested in hiring an attorney to begin a class action suit against Citi for the treatment of customers who have been victims of identity theft. Every financial institution has been helpful, understanding, and supportive while Citi's treatment of customers is a travesty.

The Citi credit cards has a reward program called ThankYou Rewards where the points accumulates and expires over a period of time. However, they suddenly deleted 10,000 points for no apparent reason, and when I called or emailed, they said they expired at the beginning of the year. However, I checked my ThankYou network statements online every few months and the points don't expire until the last quarter of 2011. The customer representatives and even their managers or supervisors don't seem to have the authority to research or provide me a proof that they were indeed set to expire. And they didn't send any statements or letter regarding this between November 2010 and March 2011.

I have a JJill Credit Card account. I was placed on the hardship program and they were pulling my payment automatically from my bank account.

In March, I noticed the statement looked different but the payments were still being made. I received confirmation through Western Union that they were going to pull the amount on the 16th of the month on behalf of Citicorp. I then, in June, received a late fee on my JJill statement. I looked into this and noticed that starting in March, my account actually changed. When I called JJill to inquire about the late fee even though they had received the payment, she said that the account was past due. We figured out that in fact my previous account had been one of the liquidated accounts and sold to World Financial and that Citicorp was pulling my payments then sending them to World Financial! She said she would remove the late fee, set me up on the hardship program, and then I could make my payments directly since Citicorp did not own this account any longer.

I needed to contact Citicorp and tell them to stop pulling the payments, that I was making my payments directly to World Financial. Of course, I have gotten the run around with two different fax numbers to first tell them to stop pulling the payments, which they DID NOT do in July and then to refund me the payment they had indeed pulled. So, the second fax number was to the refund department. I called a few days ago and was told they could not tell me if they received my fax and taken care of the matter. It would take more than a few weeks.

Today, in the mail, I received a notice from World Financial that they had received my dispute of setting up a hardship program with them. I never sent them a letter, I just got this set up with them. I called World Financial and was told that she would make a note on my account and gave me an address to send a letter that I never disputed the hardship program and that I want a copy of the letter they received. It was NOT from me!

On Thursday, 8/4, I received a phone call from a Citi Card rep that told me I have missed a credit card payment. That gentleman indicated he was calling because it was highly unusual on my account. Well, of course. Ever since I've had their credit card, I've had automatic payments enabled!

He told me that service was no longer available and that I should have received a letter. I've received no letter and, in fact I've been away from home for over 45 days, so a letter wouldn't have helped me anyway. I asked, "Why no e-mail from you?"

Regardless, I went online, where I notice on their home page the notice of discontinuing the automatic payment service. Again a lot of good it does to post it on their website when I seldom/have no reason to periodically check their site! I then made an immediate payment in excess of what would have been my normal automatic payment.

I called customer service and was assured the late fees and interest would be credited to my account, though it would take 24-48 hours. Now today (8/6/11) when I signed in to double check the status of the late fees and interest being credited to my account, I see a secure message that the late fee cannot be refunded.

Again, why is there no phone call or e-mail to tell me this? At least an e-mail to tell me I have a "secure" message on their website that I should read? I replied that if they were unable to resolve this to my satisfaction, I will cancel my card!

I disputed an item that was never sent to me. They credited me, then the company sent out the item once they saw Citi go after them. I receive the item it's fake!!! I and I say I call them being honest to let them know I received item, they all the charge to go back & tell me I have to dispute again, so I do!!! I send proof that item was mailed, speak to numerous people all that don't have any remarks that I called prior. Finally I'm told it's to late I can't dispute the $3,000.00 charge!!!!! after I called them being honest and did all they asked!!!! so I stopped paying!!!

I want Citi New Card member Services to stop sending applications for credit cards at my home address. They send them in the name of Schneider and Spencer. I have no interest in getting these applications and I want it to stop. I would look them up on the internet if I wanted a credit card with Citi. This is harassment and it's also dangerous because of the neighborhood I live in. I'm not home to get the mail when it is delivered. I am also a person with a disability and I don't get the mail if it is raining or snowing.

Please let me know how I can make Citi stop sending the applications. Identity theft is the number one crime in this country and stealing credit card applications out of someone's mailbox is very easy to do.

I have maintained a relationship with Citibank since 1984, firts with a credit card and then another credit card in 1989. During late 2010, Citi closed down one of my accounts since it did not have any "activity" on it, even though I had paid it down to a zero blance the prior year and requested that it remain open. Now they tell me it cannot be reactivated.

I was a customer of Citi-Bank for 13 years without a late payment. I do all my bill paying online, and receive the bill on line as well. I never received the electronic bill in September. In October I realized that I hadn't received the bill and immediately made a payment. In January, they raised my rate to 25.99%! I called and spoken with multiple "customer service" reps and emailed off the website several times. They refused to budge off the increased rate. I even asked them to tell me how many times I had paid late in 13 years, they refused to respond. I cancelled my card and am currently happy with Chase.

I checked my credit card account online and my APR went from 13.99 to 29.99???? I am just outraged. I called CITI and they advised I was late in April? My payment was due on April 1st and the payment posted on April 2nd which was a Saturday. So the APR went up because of this to 29.99? I have this Citi card since 2007 and never missed a payment or was late with a payment. Also i did not know that if the payment was made a day after due date it is considered late. NORMAL credit card companies don't consider that late and also give a grace period.

Sincerely, a very dissatisfied customer.

On the 5th of July 2011, I used my Citi Bank Credit Card, with Card Number **, to recharge my mobile (mobile number **) for 200 Rupees; but when I saw the message that the recharge was not possible due to an invalid amount input, I again tried for 200 and finally for 100 Rupees, one after the other. But every time, the message appeared that the recharge was not possible due to an invalid amount input. I checked my mobile also. There was no confirmation message received related to any recharge. I checked my mobile balance, too. It was not recharged for any amount. But, I received 3 messages from Citi Bank regarding recharge confirmation for all the 3 input amounts of Rs 200+200+100 -- therefore, a total of 500. I am not able to understand the thing. Please help me out. Regards, Rajeev ** Mobile No - **

I have held a Citibank MasterCard account since 1978 and have always kept it current. Several months ago, I received a letter from Citibank informing me that they were going to raise my interest rate by approximately eight percent. Even though I normally paid my account in full every month, I contacted them and told them that this was outrageous and therefore I would "opt out".

Sometime later, I called Citibank again and spoke to another account representative who told me that the interest rate hike had been rescinded and my account would be kept as is with no changes, and would not be closed.

A few months later my card expired, but no new replacement card arrived. I called Citibank to find out where my card was, and was told, "The account was closed at your request." I explained my conversation with the last account specialist and was told, "We had no record of that conversation, but if you want to apply for a new account, we can do that."

Pretty crappy treatment for a loyal customer of 34 years (in my opinion)!

Called first time to inquire about higher interest rate. Was transferred to Christy in FL who said promotional rate ended and the best she could do is 9% for 6 months. She was not willing to negotiate so I said never mind, I will transfer the balance then close the account. End of conversation. (I never told her to close the account nor did she confirm with me I wanted to close the acct.)

I looked online at my balance and there was a note stating MY ACCT HAS BEEN CLOSED. I called back, again went through 2 people, and spoke with Crystal in AZ, another Acct Specialist. She said the notes indicated I wanted to close my acct and she wasn't involved in the conversation so she couldn't say what happened. She defended the previous acct rep and never gave me the benefit of the doubt. She did mention they try to get customers to keep their account open, but I was never asked anything about that since my account was already open and I never told her close it. I asked what would need to be done to keep acct and was again put on hold.

Crystal told me they would need to run a credit check to re-open the account as if it was a new acct. I have been a customer for 9 yrs, I use the card, pay off balances, but keep the card for future use again. Because of their negligence, I would have to go through the process of a credit check with the credit bureau as if I was opening a new account which is reflected on your credit score. Citibank mistakenly closed my account yet refused to just re-open it. I have been a customer for 9 years! The reps were rude and unprofessional. I will keep my account closed and transfer the balance elsewhere.

I applied for a citicard after receiving an invitation in the mail which did not specify specifically what the APR would be on balance transfers, but i went online and saw on their site the exact same card i applied for which said 0% balance transfers for 12 months, so i applied. after i applied and did a balance transfer it said my apr was 18.99%, after calling up and first getting a really rude woman i called again and got a nice gentleman who was insistent that my balance transfer APR was 0% for 12 months and i asked over and over if that was accurate.

He said yes you can call back and ask anyone blah blah blah, needless to say i got the paper in the mail today that said my APR on balance transfer was 18.99%. UNACCEPTABLE....they falsely advertise a 0% on balance transfers and lie to you on the phone and then when you call back claim they can't do anything for you

june17 of 2010 i called and talked to aisha,i wanted to make my monthly payment and make myjuly payment also because i was having surgery an wanted all my bills paid in advance,in case i needed a longer recovery.she told me that they had a 6month interest free plan,but i couldn't use my card until the 7th month,.so i agreed.at the 6mth mark i called and talk to jake an acct spec.

and asked him if everything was still ok and that my interest when i started using my card would still be 7.9%.he told me yes..well 2mths ago i noticed a red alert on my acct when i went to pay my bill that said i had closed my acct..so i called and talked to debbie and her manager ,they told me that aisha had made an error and put in the wrong plan for me and since i never got a letter and they had all of my conversations record in their records, they would put in an appeal and call me....

well no call ,so i called them and 2 days of a run around they told me there was nothing they could do for me and i would have to reapply at a higher interest, still upset i did..and i was denied for to much credit probably with citicard)..this was wrong i was never late and in my good faith to make sure they got there money..they kicked me out the door....with advice from my attorney i am writing this letter as my first step.please response asap.thank you

I made a payment arrangement in June of 2010 for 12 months at 0.0% interest rate. An automatic $106.00 was to be taken from my bank account every month. In January of 2011 my purse got stolen I notified Citi Card just in case the thief attempted to used my card. Their system prematurely discontinued my payment arrangement without consenting or notifying me of this change and issued a new account number, which was not enrolled in the same arrangement we had agreed to. February of 2011, they didn't take the payment of $106.00 out. I called in to see why; the rep demanded that I pay $550 and told me it had been 12 months and the payment arrangement had been fulfilled. This was false information as well.

I explained to her it had not been 12 months. She transferred me to a manager who explained to me that their system made a mistake and it would be fixed and that the debit would continue until June of 2011. She set up payments for February, March, and so forth. The money came out of my account but the problem was never fixed by Citi Card. In fact, as opposed to reporting normal paid as agreed to my report and status, they started billing late charges and interest charges that have now reached $1,500.

I spoke to a rep today who basically told me, "I know we agreed to 12 months and our system ** up, and that we know you have kept money in the bank to be debited as agreed, but there is nothing we can do and we are sorry." Then they asked me to pay the $1,500 in fees and interest rates that were charged to the account for non-payment since February, which is ridiculous being that they have been taking $106.00 out of my account every month. This is unfair and seems illegal.

How can a company make an agreement and I the customer hold up my end of the bargain when then they start adding on fees, not to mention calling my phone 6-10 times a day harassing me about paying a bill and fees that were not even suppose to be charged to the account because it was supposed to have been in an agreement that stated zero interest would be charged and only $106.00 would be due every month? They also told me once and if the payment arrangement is complete, they would reopen my card at a 14% rate. All those options have been taken away from me because Citi Card's "system" ** up.

I am overwhelmed and stressed by these phone calls everyday and this entire situation. Companies should not be able to do this to customers. I am stressed out about the situation. Everyday I get 6-10 phone calls a day harassing me about a bill and fees that were not supposed to be accumulated. I feel threatened that if I do not pay these false charges, it will affect my credit report and overall credit, which will cause hardship on me applying for loans for school, car, and getting a new home. This has just caused so much stress I don't even like to answer my phone anymore.

I used my Citi Bank Credit Card at an Indian oil petrol pump for the fuel of amount 500 Rs on 11.05.11, but in my statement, it is appearing as 513.79 Rs. What is the reason behind this?

On May 2, 2011, I was online attempting to purchase health supplements. Upon entering my credit card number, I was declined and tried several times before accessing my citibank.com online account. As I'm scrolling through my account information, I realized I am overdrafted an excess of $1300.

I immediately contacted Citibank to make them aware of the error and they told me that there is no error and Avis rent-a-car, which I did business with in previous months, has debited me additionally. I explained to Citibank that Avis had received their money and I had the receipt as proof. I then took proper steps to dispute the charge but Citibank insisted that Avis had a separate authorization without my signature to debit the account and while they will investigate, I am denied credit because it is such a large amount. Now I have been given the runaround on updates with the investigation and my information was even confused with someone else's. I have read Citibank's policy in giving provisional credit and it states "while your dispute is under investigation, Citibank will give a provisional credit up to $15000". I have direct deposit and all checks since May 2, 2011, have been absorbed by this astronomical unauthorized charge that is not my fault. It seems that since I am their customer, that I would be protected but it is Avis Citibank is looking out for. I was told by the manager of my home branch that this is the risk you take when using their bank and my CC/ATM debit card.

On May 2, 2011 I was online attempting to purchase health supplements. Upon entering my CC# I was declined and tried several times before accessing my citibank.com online acct. As I'm scrolling through my acct info, I realize I am over drafted an excess of $1300. Well I immediately contact Citibank to make them aware of the error and they tell me that there is no error and AVIS rent a car whom I did business with in previous months has debited my account additionally. I explained to Citibank that AVIS has received their money and I had the receipt as proof. I then took proper steps to dispute the charge but Citibank insisted that Avis had a separate authorization without my signature to debit the acct and while they will investigate I am denied credit because it is such a large amount. Now I have been given the runaround on updates with the investigation and my information has even been confused with someone else. I have read Citibank's policy in giving provisional credit and it states "while your dispute is under investigation Citibank will give a provisional credit up to $15000".

I have direct deposit and all checks since May 2, 2011 have been absorbed by this astronomical unauthorized charge that is not my fault. It seems that since I am their customer that I would be protected but AVIS is who Citibank is looking out for. I was told by the manager of my home branch that this is the risk you take when using their bank and my CC/ATM debit card. I have not been able to pay my rent of $700. I am struggling to make a provision for my 5yr old daughter as I am a single parent. I have been walking to and from work because I have no money to put gas in my roommate's car. I had to use money I was saving as a down payment on my own car for bills and I am writing all of this on my cell phone because the electricity has been shut off. I only asked Citibank for "provisional credit" so I could maintain my household and they are acting like I am trying to con them out of something I don't deserve.

I've had a Citibank credit card for 22 years. I've always paid it on time, never over the limit. I was a good customer. Last year, they informed me they were raising my rate to 29.99% but they would credit back 50% of the interest if I made my payment on time. I had a choice to opt out, close my card, and just pay it off at my current rate of 12%. I chose not to opt out at that time because this is my longest standing credit card by far and the 'length of credit history' aspect of my FICO score would be impacted so I went with the option to pay the 29.99% but only because I would get about half of that interest credited back each month as long as I made my payments on time.

Fast forward eight months, I just got a letter from Citibank saying they had to discontinue the 'interest back' program due to federal regulations and I have to pay the full 29.99% interest. This makes my payment of $250 on a $12,900 balance shoot up to about $550/month going forward. I told them I wanted to opt out now since the option I chose earlier is not an option now. They said, "Sorry, but you can't opt out now because you already chose to go with the 29.99%." But that was when I was told I would get 50% credited back, which is no longer an option. The Citibank person told me "Sorry, it's not us. It's the federal regulations. We can't do anything about it". I can't believe it.

So, what I did was just pay off my $12,900 balance immediately after I got off the phone with Citibank yesterday as I will not be handing them $550/month, of which almost $350 will be in interest, causing me to NEVER be able to pay it back. That is insane and so unfair. I can't believe they are allowed to do this and go back on their agreement and then tell me I have no choice, even though the option I once had is no longer an option (and that's out of their control).

The sad part is I know a lot of people don't have the money to pay off debts like that, so they are forced to make those extreme interest payments. Or, they have a choice to work with their "assistance" department to try to reduce the balance owed. The sad part is that Citibank wins because either they get the extraordinary amount of interest from ME, or if I get "assistance" and they help reduce my balance owed, they get paid from the government for their "losses". They win, consumers lose, not only financially, but a lot of emotional upset in the process. This is definitely unethical, and seems to border on fraud in their tactic to reel me in with one thing, and then force me into the 29.99% with no option later.

So, anyway, glad I could pay it off, but can't imagine how people who can't pay must be suffering through these issues. I'm done with Citibank completely, will never use my card again. I am still leaving my credit card account open though, so as not to adversely affect my credit score, although I'm tempted to just close it and not worry about that. Sad to leave Citibank honestly, but no choice. Will do business instead with companies who value their customers.

I applied for a secure card and deposited $1800, my application was declined, and I cannot get my money back. Every time I hear different stories from supervisors .

In 2008, I was unemployed so I contacted Sears about a payment plan. They agreed to $49 a month for 5 years. In March 2011, I was contacted by Sears for having a late payment. I asked them how that could be as they have my payments scheduled and automatically drafted from my checking account and that I had seen it withdrawn from my account in February. She said that it was a problem on Citi's end due to the short month and payments not being applied until after the cut-off date and that my program would continue. On my April statement, I saw that they had posted the February and March payment but had also charged me a late fee. I contacted them about it and at first was told it was my fault because I was late so my program was cancelled, etc., even though they were the ones in error.

After speaking to a manager, I was told that my late fee would be refunded and my plan reinstated and that they had many complaints about the exact same issue and it was a scheduling error by Citi. I just received my latest statement, and no payment had been made and I was charged another late fee instead of it being refunded. I called and spoke to another manager who told me that even though it was a CitiCard error, my program would not be reinstated and that no fees would be refunded unless I brought my account up to date.

So now, I am being penalized for an error that I did not make but instead was made by the company that is penalizing me. If I could bring this account current, I wouldn't have needed a payment program. I feel that I have honored my end of the deal, but I guess Citi doesn't have to honor theirs, and the government felt the need to bail them out when needed. They made the mistake, not me, but I guess they don't have to take responsibility for their errors. According to them, I am not the only one whom they did this to.

In 12/2009, i had a Citi Paltinum Amex card that was up for an annual fee. I decided I did not want to keep this card as I had 5 other cards with Citi with no annual fee so i closed that card. Thirty one days later, 34,040 points were removed by Citi from my Thank You account which is where points are transferred to each month and combined with other cards points. When I called the Thank You network, they transferred me to a rep at Citi who told me that the policy had changed and they now remove points when an account is closed. I told the rep I was never notified of this change, she then told me she would look into it and reverse the points in approx 7 days. She also supplied me with her "direct" number. When I didn't hear back after 7 days I called that number and got a voicemail of someone else at Citi. I left my name and why i called but got no call back despite numerous messages.

Called reps on the phone who stated they would look into it, NEVER got responses. I then decided after MONTHS of inaction by Citi to strictly use their messaging service. Sent numerous messages and at first simply received responses stating the policy about points being removed after 30 days. They would not address the fact that they failed to notify me. After months of getting no answer about the notification, I was then told that it was in my Feb or Mar 2009 statement and a letter was sent to me. I then requested copies of the statements.

When i got the statements in the mail, there was NO change of terms message. When i asked for a copy of a supposed letter sent to me, most times that was completely ignored but on one occasion I was sent a copy of a generic letter stating this is what you would have been sent. When I replied back stating there was no mention on my statement about the change and that I never got a letter, that if they supposedly sent one, provide me with a copy of it. They completely ignored that and since then the only response I get are simply that they can not do anything on a closed account.

I made a payment arrangement with Citibank for $67.00 a month as I am currently unemployed. They have been taking $67.00 out of my bank account for the past 4 or 5 months. I recently found out that Citibank had closed the account. They claimed to have sent me a letter. I asked for a copy of this letter. Citibank has refused to send me a copy citing that the system was used and only generates the letter one time. Catherine, the escalation manager, proceeded to "educate" me about the letter saying that it was sent to the address on file and if I didn't receive the letter, I needed to talk to my postman. Why does Citibank, a financial institution, utilize a system that only allows correspondence to be generated only once?

I just received 2 new Citicards in the mail, one was for my current card which did not renew for another 6 months and the other was an American Express Citicard which I never asked for or wanted. I called and got transferred to a few people to get the card canceled which they said they were going to do. But of course, when you get a new credit card it goes on your credit report and by canceling a credit card, it is a ding against your credit.

Not only could I barely understand the customer service rep, I am not quite sure she understood me as well. I asked to speak to supervisor (none), I asked for a person name and email (none) I asked who I could complain to (none) so what is the point?

This is not the first time I have run into problems with Citicards. I have tried canceling, they bribed me successfully with no fee and guess what I got charged? (mea culpa). Not only that they have the worst statements of which you can barely read and understand.The lesson: Find better American Airlines Miles Card.

CitiCards have taken a $15,000 debt and ballooned it to $30,000 with a 29% interest rate plus late fees. Now, as long as I can remember, I have always set up my credit cards with 1% of what I spend during the month (say, for instance, $300) and I would make an automatic withdrawal to cover the minimum payment and then pay the card off online later.

This went well until Hurricane Wilma and homeowners had to use their immediate cash for things that the insurance company nor FEMA would cover. This might have gotten me behind a month or two. Then, in 2008, I had to hire a consultant to refile with State Farm to receive payment for the new roof and accordion shutters because the roof was leaking badly. I am a single senior citizen who was divorced in 2002 and received very little per year ($30,000 x 4 years) and I had to support my adolescent daughter, my mother (whom I paid the funeral for in 2006) and my older daughter.

I have had my accounts with Citi for over 11 years and have never made a late payment. I do recall twice that I did not receive a bill from them and called to find out why, their response was, "We don't know what happened, and can't take payments, but we'll send a bill out right away". This of course would make me late. Then they closed one of my accounts and claimed there was no record of the account and did not know where I got that info. Then they lowered my two account limits without my permission or even telling me.

Again they claimed they did not have any knowledge of this and they also did not honor a low interest rate promised for those transfer balance checks they send in the mail. And, I asked for an increase in my credit limit and they said, "Apparently you made a late payment with another credit card company within the past few years, so we can't raise your limit with us. The people in customer service speak very poor English, and have very little knowledge about what they are told to do and or say. It's obvious that they read from scripts and say only what they are told, then they actually try to convince customers that we are getting a "real good interest rate".

I tried to register a prepaid Citi MasterCard that I received as a rebate for Procter & Gamble products. All was in English until I came to the part where I had to agree to the terms which was all in Spanish. They were not able to help me and I am not ** enough to agree to something in a language that I don't understand. I will try to use the card without registering it on their website. It is only $10. When I called, I found out that they had deducted $3 from my balance for account inactivity. Nowhere in the paperwork that came with the card was there any mention of such charges. I complained and as a result, they credited the $3 back to my account as a "one-time favor". I intend to complain to Procter & Gamble as well.

I've been a Citi Card holder for 17 years. It started as an $800 secure card with great history. Seventeen years later, it's $49,500 credit limit. I was recently working out of town when my card had been canceled without notice. I was working in Fort Lauderdale and I live in Lake City. I rented a car to come back home till the next job was ready. I only rented the car for a week and as it turned out I was at home for 4 weeks. I called the rental to renew the contract for another week and put it on my Citi Card as I have done previously. The woman called me back within 5 minutes of hanging up and told me my card was declined.

I called Citi and with no good reason they canceled my card, they told me it had been a common practice with them recently. Then the trouble became clear to me. I started reviewing my statements for the past couple of years, and to my surprise they had raised my interest rate on more than one occasion to more than double. So that same day I called Citi Cards again. I was told there was no reason for the increase ("sorry, you've only been late 3 times in 17 years, Mr. **. I will fix it for you," Citi explained) and my interest rate was cut in half. Well, my card was still canceled and they offered me a new one. I declined. They sent me a letter a couple of days later stating they lowered my interest and I could get free additional cards, but my account was closed by them.

I applied for a different credit card through a different company and was approved with a $5,000 limit. My credit is outstanding, 796 last I looked. I still have been receiving and paying my Citi balance. Today looking at my statement, they raised my interest rate again and said I was late. I called Citi Cards. I asked how it was late when it was sent with other credit card bills and they received theirs on time. Once again, "Oh, sorry, I'll fix it for you," Citi replied. "Okay," I said, "now what can we do about all the priors doubling my interest rate? It has cost me thousands of dollars." "Sorry, Mr. **, once again you should have called us when you first noticed." I do not do the bills, my wife does. She has her hands full and it's common to look at bills in a quick view, make a check, and mail it with many others. She expressed to me she felt that it has always been timely payments, except for once when we had moved hundreds of miles away. There seem to be no reason for things to change.

Well, Citi Cards can't justify the reasons for their behavior or want to accept what they did as wrong and work with me when I called. So I'm stopping all payments to them as of today. I have worked very hard to build my credit. They have been ripping me off, and now after 17 years, I fear what these criminals are going to do to my great credits. I did call them and ask for a supervisor. It seems to me they're looking for the next bail out by messing with people's money, and I'm only one of many others that probably have said and done the same thing.

I called customer service for Citi (866-775-0556) requesting dividends of $58.21 to be sent. I was told only $50.00 would be sent. They had changed the way they send out dividend checks and claimed they sent a notice. And I saved every notice from Citi cards and never got one telling of the change. So I got the check for $50.00 not the $58.21 they owe me. I was told the $8.00 will go toward the next dividends to accumulate. Citi cards sent a new charge card with instructions to activate it by calling the number on it.

I never called nor do I want to change my old number and my card as the old card had a picture of me on the card. And now I find out they will not honor old commitments to me. I never received notice of a change in the dividend payments. They changed customer service phone numbers in November and that is when they changed my account number, which I will not use. I have always received dividend checks in amounts over $50.00 ever since they offered dividends. Please help me receive the $8.00 my account has earned and I should be paid for.

I am interested in finding out if there is a basis for a class action suit here. One attorney has already told me there's a basis for a personal case under two causes of action. I had two of these events. One was the credit drop to within a few dollars of your current balance. I then received an offer for a personal loan from Citi three business days latersuspicious? Who would I report that to? It seems obvious that they're running a scam to take advantage of consumersput them in a tight position and then offer them a way out. The other was that Citi apparently charges you for the previous billing cycle's interest.

So with a card nearly maxed, they charged me two billing cycles worth of interest. Finally, after 45 minutes on a line I was recording (that was kind of dumb on their part), someone blurted out that they did it so I couldn't use my card. For similar events to be listed on this board, several times indicates that it is systematic. Clearly, some attorney should take this up as a class action just to put a stop to predatory lending practices (perhaps not in the strictest meaning of the term). Does anyone have a sense of who to report this to? My thought is the FTC and Comptroller of the Currency, but I don't know beyond that.

I signed up for an American Airlines (Citi) credit card a year ago. It was a promo that they emailed me. I got an acceptance letter and started using the card. About six months into the program, I noticed that I was not getting any miles to my AA account, and that the card issued was actually just a regular Citicard with the lame extra cash ripoff program. When I complained to Citi, they did not offer any form of compensation. I figure that I lost about 40-50,000 airline points (or roughly $500 value) because of this. I now have about 2,600 extra cash ripoff dollars which are useless. I still even have the AA program welcome packet from them. But Citi doesn't care. I have cancelled all the bank accounts they made me open to qualify for the deal, and will not renew the card next month. The only reason I'm even keeping the card open is just in case there is some use to those ripoff-dollars reward. I am not using the card for any of my main purchases. Thanks for your advice.

This is the worst automated phone service. When getting through to service person, she asked me to verify what state Atlanta was in. I can't believe the hoops you have to jump through just to make a ph Payment. Why wouldn't you make it easy to make a payment? I had my statement in front of me verifying the accurate info. And the automated system wanted a security code entered. It was the correct account.

I have an older credit card, "Diamond Preferred Rewards" card. It is a very poor value card for gifts. Some time back I called Citicard to cancel this card and apply for their much better "Cash Returns" card and cancel the old card. They advised against canceling the older card because it would affect my credit report? So I kept it, thinking I would have the same credit limit of $15,000 on the new card. I have since found this is not true.

I called to have the $15,000 credit limit taken off my older card and put on my newer card. I was told it cannot be done because of recent legislation and I could talk to a legislator. Is this ridiculous or what? Then I asked if I could close the older account and apply the $15,000 limit on my newer card and was told that is possible but also possible that I would not get it and then I have lost the ability because the older card is not cancelled. Help!

On 11/09/2010, I happened to check my online Home Depot(Citicards/Citibank) credit card statement online to see when my due date was, and as I took a closer look, I noticed that my $6000 credit limit was reduced to $1900. My balance was/is $1871.00. I called to check why this had happened and Citicard's explanation was that something on my credit report had changed (lie/untrue). I checked my credit report and nothing had changed, as far as anything negative that could have cause them to drop my limit.

They have damaged my FICO score by doing this because by dropping my limit, they put my debt to credit ratio at almost 100%. Furthermore their customer service rep. told me that they dropped my limit on the 2nd of November and mailed out a letter on the 4th informing me of this unjust decision. I have been a customer with them for almost two years now and I have never missed a payment. This is unfair business practice and needs to be stopped on every level.

I have a Citi card for the last 12 years. I have had a clean history always paid in full. I missed a payment last month (due date Sept 28th) because I was on vacation. Within six days of being late, they froze my account. I called them on Oct. 6th and told the customer service representative that I had made the payment. She said the moment they received the payment, the card will be activated and will not affect my credit history of any kind but they will charge me the finance charge and interest (which I contested but they did not budge. I guess that's how they make money these days). My payment was posted on Oct. 9th and card activated.

On Nov 1st (after 20 days of my payment in full), out of the blue they reduced my credit limit to $200 from thousands. I had called the customer service on October 6th and October 23rd (to dispute the charge which was turned down which is fine) and in all the calls made I have asked the representative whether my card is being affected and the answer has been no, it is reinstated without any issues. Since the last two days, I have been calling them to have it reinstated so it does not affect my credit history but all the representatives that I have spoken to have been rude. I could care less attitude and have refused to reinstate my credit limit back. I cannot understand the logic of reducing the limit and messing a credit history of a person for one late payment that was paid in full the moment it was bought to my attention.

I am looking for any sort of help I can get in disputing this and making sure Citi cards does not do this to other hard working tax paying people. The representative that I spoke to said that my limit was dropped because my account was delinquent. I checked my history through a credit agency, far from being delinquent. It's in excellent shape and have not received any notice from Citi about my delinquency. I heard the financial industry has been regulated but this kind of messing with people's life need to be stopped. Please stay away from Citi cards. Of all the credit cards that I have had, Citi cards has been the worst. The policies are the worst and the customer service one notch lower than their policy.

They have dropped the credit Limit from thousands to $200 for one offense. This will affect my credit history which I have worked hard to build. They have also charged me $100 in finance charges and interest which looks inconsequential compared to what they will be doing to my credit history.

This credit card company has the worst customer service I have ever encountered in my entire life. I have a rather large account with them and they made a mistake when processing my payment. When I called to speak with them about it, somehow it got turned around that I had done something wrong with the prior person I had spoken to and they didn't type in my account number wrong. I told them wrong? Instead of them taking responsibility for mistyping, as I could provide proof I had funds in my account. They would do nothing to help me and I encountered fees because of their mistake. They didn't even try to work with me. Instead, they mocked me and were extremely rude. I couldn't believe it. I have had a credit card with this company for more than 10 years with never one late payment or ever going over the balance until they **** up.

Because they mistyped my account number, I received a late payment, which resulted in a $39 fee plus and over the limit fee because I thought I had successfully made a payment then planned a vacation on the card! Needless to say, I closed out my two accounts I have with them and will never recommend them to anyone. I suggest they do more extensive training fort their employees because currently, they are an absolute nightmare to work with.

Citicards sent me a 0% promotional offer. The checks could be used any way that I chose. The 0% offer would be honored if the check posted to my account by 11/25/10. At the end of October, I used one of the checks to pay a debt of $1610.

A few days later, I received a letter from Citicards stating they weren't going to honor the check because I no longer qualify for the check offer. I called the number on the letter and after speaking with 3 people for quite a long time, they were unwilling to give me an answer on why I didn't qualify. They stated that Citicards has the right to pull offers at any time and that they don't need to notify me in advance that the checks were no longer valid. They are unwilling to honor the check, but they will cover the returned check charge that I incurred.

They have been calling my home phone which is used as a fax only over the past two weeks starting at 7:30 in the morning and lasting until 9:00 at night including weekends. I have called to tell them that I use this number only as a fax and to stop calling it (my fax prints at least 10 pages per day with their phone number; they continue to call). I have had several cards with Citi over the years. Some were opened with my businesses information fraudulently by my ex-husband. I have mailed them police reports and affidavits; however, they continue to harass me. But they do not report these accounts to my personal credit report but to my business credit report. This is causing me many problems in obtaining accounts for my business with these fraudulent accounts appearing on my D&B report and Experian Business Report.

They've been calling my home phone which is used as a fax only over the past 2 weeks, starting at 7:30 in the morning and lasting till 9:00 at night including weekends. I've called to tell them I use this number only as a fax and to stop calling it (my fax prints at least 10 pages per day with their phone number). They continue to call. I've had several cards with Citi over the years. Some were opened with me and my businesses information fraudulently by my ex-husband. I've mailed them police reports and affidavits. However, they continue to harass me. They do not report these accounts to my personal credit report but my business credit report.

For the last four days we have been receiving a few phone calls each day from Citicorp, and when I answer, there is never anyone there. We used to have a Citibank credit card but cancelled it after they continually raised our interest rate. The credit card has been fully paid off, and I am wondering if these phone calls are some sort of retaliation.

I had trouble paying my $170/month payment, so I found a debt consolidation service that helped me out and said they'd work with CitiCard on the monthly payments. After many months of the debt consolidation program working with CitiCard, CitiCard finally refused to be included in the program. I am still making payments to CitiCard, although it's not my $170 minimum. CitiCard is now hassling my family. They have called my mom and now they're calling my in-laws. I have no idea how they got their numbers. Isn't it against a law to hassle family members for a payment especially when you have never provided those phone numbers to them?

I changed jobs and got myself in a very abusive environment. I had to leave that job and take something for less money. I asked Citi cards to help by lowering my payment. They could not until I was behind. So, I got behind and then they put me on a payment plan for 1 year. During that time, I paid off some bills and got a better job. When I went off the plan, I started making larger payments, $1080 hit on the same statement. It was that statement that they raised my interest to 29.99 %. I have refused to pay because they are not going to rob me.

A phone payment was made to our Shell card of $506.21 on Aug. 24. Upon calling our bank to verify our checking account balance on Sept. 1, we found out that the $506.21 was collected from us four times! Therefore, Citibank, who takes care of Shell accounts, had over $1500 of our money. We called on Sept. 1 to try and get this straightened out. They said the money would be electronically put back in our account within 72 hours. We have called repeatedly since that time and was given a runaround each time about the amount of time it will take to get the money back.

At one point, we found they had credited it back to Shell and we had a $1200 + negative balance at Shell. That is not Shell's money, it is ours. We have talked to supervisors, etc. at Citicard with the same promise of having it done within 24-72 hours. This is ridiculous and we want our money back into our checking account. How can they just keep it all this time after their mistake? Please help us!

I have had a credit card with Citicard since 2002 which I rarely used; however, I always paid more than the minimum payment and I paid off the balance frequently. I had a credit limit with Citi of $8,400 and I owed a minimum payment of $20 on September 6 on a balance of $556. During the course of travel and the holiday, I had not a payment on this account and I received an email notifying me that my credit limit had been decreased on September the 14 to $570, which is $13 over the balance I owed.

I called the credit department to obtain an explanation of this decision and I was told the decision was based on information in my credit file. I explained that the only negative item in my credit file was an account with Citimortgage that was erroneously reporting as over 30 days late even though I had made the payment and had the receipt. I was then told I needed to dispute this item and call back for a reconsideration of my account.

I have never been treated this way. I was not given any courtesy after successfully maintaining an account with this company for over eight years. I think I was targeted because of the erroneous information reported by their mortgage company. In the 30-plus years that I have maintained credit cards and unsecured accounts, I have never experienced anything like this. The normal business practice is to assess a late for fee for a payment not received in 11 days. This is ridiculous coming from a corporation that was bailed out with taypayer funds

I had a credit card account with them that was closed without any warning, because a check was returned from the bank; I paid the fees and then my account was closed. When I called them, I was told that I had several cancelled checks so I asked for the date when I cancelled the checks. I was told that they don't have the dates, even a manager couldn't give me a date. They are lying to me.

In 2008, I was going through a nasty divorce whereby my (now ex-husband) opened several credit cards (because of my then good credit) and maxed them out. Hence, I closed the credit card accounts. The divorce papers now state who is liable for what debt, etc. This means nothing to credit card companies. Anyway, I paid for all debts I was responsible for while he did not, yet I still got collection calls. I had one Citicard that I set up automatic monthly payments for at a low interest rate. Yay (not).

Now two years later, I'm in the process of trying to bring my credit back around. I called Citibank regarding this one particular card, told them I have never missed a payment, always paid more than the minimum, and that I'd like to re-open this account to improve my credit score by helping with the debt/credit ratio. They told me I could if I accepted an increase in the APR. I said "Why would anyone in their right mind agree to that? " My reply was "To save your good name. " I asked then "What is my incentive to continue to pay this card if it is not helping my credit in anyway." On the other end of the line was silence. Upon the end of that call I deleted Citibank from my automatic payment schedule with my bank. I know the collection calls with soon be coming, but seriously, what is that?

I received a late payment charge in January 2010 in error. I called to dispute the charge, and they agreed to reverse the charge. What they didn't reverse (or notify me of during that call) was the 29.99% rate they increased me to as a penalty, up from my previous interest rate of 7%. I didn't even notice they did this until my August 2010 statement. When I called to inquire about my outrageous interest rate a couple of days ago, they explained that they reversed the late fee but not the penalty. When I got angry and told them I would never use their card again, they agreed to return my interest rate back to 7% going forward. I paid hundreds of dollars in finance charges before I noticed what they had done; approximately $150 per month for 8 months, over $1000 total.

My balance on this credit card was originally $14,000. I paid $10,000 and my balance was $4,000 as of April or May. To my surprise, I received a $7,000 statement the next month. When I called, they explained that I had been late three times. Why are they charging me interest even on the amount of $10,000 I had prepaid?

I am lodging a complaint against CITI for the practice of charging interest on credit cards for two billing periods if you do not pay in full for one billing period. "If you do not pay the New Balance in full by the due date, you will not get a grace period on purchases until you pay the New Balance in full for two billing periods in a row. "

So if an unfortunate consumer, who pays in full, does not pay in full for one month, the credit card company will charge interest on the balance of the following two months, even when the balance is paid in full. Since when is it legal to charge interest when a "loan" is repaid in full within a predetermined grace period? Consumers need to be protected from greedy, predatory bankers with unethical practices.

Not only are interest rates exorbitant (20%) but banks are charging interest when there is no balance on the card. I paid $10 in interest. A seemingly inconsequential amount until one realizes the amount of money this practice generates when multiplied by millions of consumers.

After five years of impeccable payment history with my Citibank credit card, I was shocked to find that my 9.99% interest rate had gone up to 29.99%. When I called customer service to ask why, the reason I was given was that the interest rate hike was a "cost of doing business." I responded by pleading my case (loyal customer, on-time payments, etc) and asking for them to lower my interest rate. I even offered to accept a higher rate than my original 9.99% just not 29.99%. Apparently, I was not deserving of a lower interest rate.

My new monthly payments were too much to pay when combined with the other bills I pay. So, I told them that they would not be receiving any money from me. And I haven't paid a dime since that day last year. Legally, I realize I should pay. But I am taking a moral stance here. After sending my account to collections and having the collection company fail to squeeze money out of me, Citi has now taken my account back. I think it's so they can continue to tack on interest. My $7500 balance is now up to $9400 thanks to late fees and penalties. Economically, my credit is probably ruined. I don't care. I'm working my debt snowball and intend to pay off all of my debts and never use a credit card again. In the meantime, I am dealing with collection calls, threatening letters, and certain credit ruin. Oh well. It's time people took a stand and I have officially drawn the line in the sand. I will not pay Citi one dime until a) my balance is lowered to the original $7500 and b) my interest rate drops significantly.

I signed up with Citibank Credit Business Card with Thank You Rewards since 2005. I have received a letter that my account will be closed on July 30, 2010 and I can still redeem my Thank You rewards 30 days after the account is closed. I had over 10,000 points with Thank You network. Today, August 23, I logged in and I see 0 balance on my rewards. I called Thank You network, they said it's Citibank that I have to contact. I spoke to Citibank's representative Rupal and she said I do have 30 days to claim my rewards and she can't do anything to revive my credits. Then I was transferred to her supervisor, Linda. Linda told me that usually it's 30 days after closure but in my case, it's different and there is nothing she can do about it. I don't think that this is fair at all. They didn't keep their words and I am out of over 10,000 credits that I can claim over gift cards, etcetera. Please help. Thank you.

We had a Citibank Card and they didn't tell us that we have to sign up for Thank You Points first. So after years of accumulating points, we really didn't have any since we didn't officially sign up for the Thank You Network. Then after I signed up and accumulated 31,807 points, we closed the account. The rule that we were aware of was that we could claim the points within 30 days of closing the account. When I called within the 30 days to use the points, they told me no.

Citi cards said they would put the interest rate down to 13% and that it would rel on the next billing cycle. I kept watching it never happened. I called back and they said that they were unable to do that even though my account was current. They refused to budge on even though I told them I would pay more that the minimum balance due every month if they dropped the interest rate. I told them wouldn't it be better to get something instead of nothing? She said, "Sorry we cannot do this and is there anything else I can help you with today?

I will not pay this card at 19%, it will go to my credit rating that has a perfect rating and will now be damaged.

I received a letter from them on Saturday, July 17. It stated that based on my credit report, there are "too many recent credit inquires" that my account will be closed on August 31, 2010. But if I act now, I can choose to agree to option 1, not to use the card for 6 months and continue to make payments on time with a decrease after the 6-month review. And it would be based on the payments received during the 6 months. I had never been late in the 2 years of receiving the card. The credit limit is just $2,100.

Or, option 2 is the same as above, but I would pay an extra $150 monthly. Then, I would be able to maintain my credit limit. Yet, they had continued to email me, sending a postcard reminder to choose one of the above. Just last night, they left a computerized voicemail on my home phone about very important information regarding my account, to please call. Can anybody explain why they're trying to pressure/bully me into choosing the options above, since the letter clearly states closing the account by the deadline?

I made my first payment on my Sears/ Citi MasterCard on Friday 8/13/10 in my local Sears store at the register. I have a receipt to verify this payment of $55. I went online on Saturday, 8/14/10, and looked at my Sears card statement finding that they had already posted a late fee of $39 to my account. I sent them an email about my payment and then I called customer service on the phone. The CS representative over the phone said that she saw my payment in her computer, but it was not posted when I went to my account online and pulled up my statement. The late fee was posted to my account and balance before the payment was even late. I believe that this is an unfair tactic for them to try to charge me interest and the late fee on a major purchase for which I am under a no-interest plan. Can you help me?

If they do not correct this error on my account, then it will nullify my interest-free purchase for the next six months on $364.00, and I will be paying a late fee for a payment that was not late.

On July 10, I notice that I had two problems with Citi Card. The first problem that I have with them is my account is closed. So, I called a Citi card representative and he pulls up my account and told me that the account is closed. I told him that I didn't call to close my account. He said that it was a glitch in the system and that they will fix the problem. He also said that I was not the only people who called with the same situation. He insures me that my account will be fixed. The second problem is that I didn't get a new credit card from Citi Card. He told me that they mailed it out two weeks before my last card expire. He said that he will cancel the old card number and give me a new account number since I never receive the card and that had we left the conservations.

In the following week, I receive a letter from Citi Card about an updated on my account. In the letter they stated that my old account is permanent closed and I have a new account and for my card it is upon review and approval a replacement card will be mailed to me in the next business day. In a few days, I didn't receive a card, so I called Citi card representative and talk with Jared about the whereabouts of my card and to make sure that there was no fraudulent charges on my card. More days pass by and no card.

I called another Citi Card representative named Tiffany. She pulls up my account and told me that there is a misunderstanding. That I will not get a new because in September 2009, I opt out for the increase in the APR. She said since I opt out they cancel my card on the date it expired. I told her that my card shouldn't be cancel because I opt out in the APR, and after I opt out the card I was still using it. I ask to speak with the manager. I speak to the credit manger Charles, who told me that they mailed out a letter explaining everything. I explain to him that I never receive a letter and that I should not have my card cancel just because I opt out. I didn't get any sympathy from the manager. All he keep saying that I opt out will result in cancellation of the card. After talking with the manager I was upset.

My mom told me to called my bank and apply for a credit card with them. So, I fill out an online application and called them to make sure that they receive the informations. Within a week I got a rejection letter stating that I was disqualified base my credit report. They tell you how they appreciated your service and how they value you for being a loyal customer. I don't feel that I'm being treated as a valuable customer. I been with Citi Card since 2004 and it was my only credit card. Citi Card gave me a bad credit standing with the credit bureau. That resulted into getting rejected by getting other credit card.

As mentioned by all above complaints I have had the same experiences. CitiCard raised my interest rate to 29.99%, after I had run up my balance, after having moved, and no matter how many times I called, or have written them, it has been the worst experience of my life, being ** over! I got lame comments from customer service like, "didn't you get a notice in the mail, that we were going to raise your interest rate? " Really, like I had any control over that. CitiCard should be humiliated over this kind of sleazy business behavior, specially with the economy, as it is!

My daughter is on Medicaid. She signed her settlement check over to me so I could deposit in my checking account. I also put $3,000 on my Citi credit card so she could start therapy. When I made the payment, I asked the agent under what circumstances Citi would lower my credit line. She said only if I was late or habitually made minimum payments, within hours they reduced my credit line by over $3,000. When called they were very rude and I closed the account. Then I realized this was not the best thing to do but when I called back they would not open it.

Bottom line, Citi bank lied. This is my daughter's money. She is in chronic pain due to a severe car accident we were in over two years ago. This money was a settlement from the car company and is supposed to sustain her until her appeal for SS is heard. It was initially denied. I've gone broke supporting her on one income (cannot find full time work). I could really use some help.

Like many Americans, due to the banks cutting of credit risk, I am having my credit card accounts closed. I had a CitiBusiness credit card, and received a letter stating my account with them would be closed. The letter stated one of the reasons for the termination of the card was "serious delinquent"; I combed through my credit report, and as I had known, I had not had a delinquent account or late payment for over 10 years.

The letter that was sent to me also included the generic customer service phone number. After navigating the usual customer service maze, I was transferred to "Lisa", an account specialist. Lisa had a generally rude disposition and answered every one of my questions in a very curt manner. I asked her where my serious delinquencies occurred and what factors were used in Citibank's decision-making.

She had no answer except to write the credit management with these questions. I asked her if there was a phone number for the credit management department other than the general customer service phone number; she answered, "no". I asked if there was someone at Citibank where I could log a complaint about the credit management department, she answered "no". I asked if there was a process to file a complaint about her customer service specifically, same answer. Lisa answered "no" before I had finished my question. Her attitude implied my questions were unreasonable.

It's bad enough credit-worthy, faithfully and timely credit card paying Americans are having their accounts summarily closed and incurring the resulting credit score damage. The attitude and dismissal of questions is just adding insult to injury, and unnecessary.

I receive 3-4 phone calls a day to discuss a CitiCard they say I have. This is 3-4 times a day for the past month. I cannot call them back because I can't supply them with a card number. That's the only way to talk to someone.

I have two Citi credit cards, one ending in ** and one ending in **. They did a bait and switch on me. I took a $4000.00 balance offer for 0% on the second account which had a "0" balance. But they applied the $4000.00 cash advance to my other card which had a $6000 balance. So now, the minimum payment goes toward the portion of the bill which has 0%.

I am having Citi Diamond preferred card for about five years and APR under 17% per annum. I never made any late payment. I never used/utilized the full limit or over. I always paid more than the minimum payment. For more than two years, I never charged the said card for any new purchases or otherwise. But for about a year, they raised the interest at 29.9% without any reason. My hours at job are curtailed. I am getting in two weeks only at 10 to 15 hours. My husband also lost his job. Our only and prime residence is under foreclosure. We are facing financial hard ship. What I am paying that is mostly going towards interest and principal remained almost as is.

I have a credit card that the interest rate is 30%. Actually, all my credit cards are that high now. They were all raised before the new laws went into effect. Anyway, this one I am talking about, I was told that after a year of on time payments, they would review at my request for a lower rate. So I emailed in my request and was told that I had the lowest available and to check back in another six months. Mind you, I have not used my cards in over a year because I am trying to get out of this black hole I am in. Tell me, how can 30% be the lowest available?

I am so pissed off at the credit card companies. They all got their bail out but what about the little people; the poor people. If they were to drop the interest to 20% that would still be making a fortune off me. It just doesn't seem fair!

They raised my credit card interest rate to 29.9% with out any reason. I called and they said they sent me a letter in Dec 2009 saying I need to opt out or they will change my rate. I never received any letter. They said they will not change the rate because I accepted the terms. I have never been late or missed a payment. They suggested I call back when I am late and they may be able to do something. The call was recorded, I asked. Costing my hundreds of dollars a month in extra interest. Causing stress and lack of sleep and inability to pay for essentials.

Please start collecting data on how they determined who will be charged this new fee.

I will share with you the letter that I sent to CitiCard/Citi Group, which states the details:

I found your name while searching for Citicorp corporate office information. Please, I am asking for your assistance. I have tried for a year to clear my debt to no avail. I have gotten the run around for twelve months and desperately need the assistance of someone in a higher position to help.

Last June 2009, I called 1-800-331-3703-1 and 2, to report my Shell cards lost or stolen. I explained that I had a balance of approximately $60+ dollars and that there were charges to my card that I did not make. I also stated that I keep my balance around $100 and then pay it down. I was assured that there would be an investigation and that the card would be cancelled. I then sent in a copy of my statement and circled the charges which were not mine, according to the directions given to me.

I received a letter on August 25, 2009, from Michael ** in the Fraud Department, stating that they completed the investigation and I was responsible for the charges because I "failed to supply requested information. " I immediately called Shell again and spoke to an operator and explained the situation to her. I was asked to respond in writing, which I did, and disputed the charges again. From this time on, charges continued to accumulate to this account. Obviously Shell did not cancel the card and instead sent a new card (account #**), which I have never, ever used.

I then began receiving numerous (5 - 6 times a day) calls to both my home number and my cell asking for payment. Last Sunday I received a call at approximately 7:00 am. It was obvious the man was not from the United States as he struggled to say my name. I heard "Hello, is this Jen Mic... Mic... Mic..." I interrupted and said "**? " He said yes and that he was from CitiBank and calling about this card.

There is no way this company can provide me with a signature on any transactions after June 2009, nor can they provide a photo from a gas station because I never made any of the purchases. In addition, I teach from 7:00 am to 3:30 pm in Phoenix. I then go directly to my evening teaching job. I'm not in the area of these charges. Most of the times these purchases were made I was in school.

I am a hard working teacher and raised my son as a single parent. I own my home, I pay my bills, I vote, and I don't break any laws. I've never used drugs in my life and feel I am an upstanding citizen. I'm not some flake trying to skip out of this responsibility, however, I cannot and will not pay for charges that I didn't make.

I have tried several times on my own to resolve this matter. I called on February 3, 2010, and spoke with Alen (ADS 1-800-377-5148) in the fraud department and asked him to please help me resolve this matter after I again explained the entire situation. He was helpful and asked me to fax the bills with my disputes to fax #1-877-506-5658. I faxed him the information on February 4, 2010, at 5:29 pm from our school fax #**. I heard nothing back from him. Then on I called again and spoke with Chistie (AME) on February 5, 2010, at 2:35 pm. I explained my story to her and asked if she could please follow through and help me. Nothing. All I receive are demand letters and nonstop phone calls.

This is ruining my credit. I want to resolve this matter. There has been no one in your company willing to do so. Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist telephone communication with me, in relation to this and all other alleged debts you and Citi Group claim I owe. Please send me correspondence regarding how I can proceed to resolve this matter or a direct phone number of someone with authority who can and will assist me.

Sir, CitiCard is also hereby notified that if my request is not honored that I will immediately file a complaint with the Federal Trade Commission and the Mr. Terry **, Arizona Attorney General's office. I will pursue action as high as I need to go, including contacting necessary Senators.

I had a credit card balance with Citibank that has been impossible to pay off due to only being able to make the minimum balance from $100 to $150 dollars and now unemployed due to the budget cuts. I faithfully paid the minimum payments for over 20 years. Only approximately $200 has been applied to the principal. Over the years, based on the payment amount of $100 to $150, I have paid well over the principle. Due to the budget cuts, I cannot afford to pay anything.

Well, my credit reflects that Citibank has charged off the account and I no longer receive statements. Now, approximately 6 months later, I am receiving statements again. If Citibank has already collected from their charging off my account, why are they seeking the opportunity to get a second charge off? Hardship. I feel that Citibank is using my account for their own personal gain with numerous charge offs for the same account!

CitiCcards has been sending me a bill for a card I have never used and in fact returned to them. Just yesterday, I got another bill for almost $96 for nothing. I keep going through thiS with them. They have threatened me with some letters about my credit when they are making the problem. My next step will put them in real hot water.

I received a "pre-approved" solicitation for a Citi Diamond Preferred Rewards card. When I called to apply and consented to Citi getting a credit bureau, I was told that someone would contact me. I received a letter stating that I was not approved; one of the reasons was "too many inquires". I called and spoke to a supervisor, explaining that the inquiries were related to purchasing a car and refinancing a mortgage and I already had a Citi card that was never late and a low balance.

I pointed out now that I had another inquiry and the solicitation was misleading because it said "pre-approved" and if I had known it was only a solicitation, I would not have bothered calling because all I wanted was to transfer a balance from another card that was less than $3,000. I will now discard anything from Citi, pay off my balance, and close my account.

I had a Children's Place credit card. After Citibank made a mistake on my credit report, they canceled my Children's Place card. I explained that it was due to their mistake, but they didn't care. Now I am paying off the Children's Place charge and ran into financial problems. I signed up for a payment plan where I paid $48 and they matched the payment. I was told online that this is what's required.

Today, I checked my statement and I was charged a late charge. I called and when I explained the situation I was told that I didn't make the minimum payment so I was charged a late fee. I explained about the payment arrangement and was told that even with an arrangement, you're charged a late fee if you don't pay their minimum payment. This is kind of ludicrous with someone being on a payment plan. It is a way for them to steal money from you while you are paying.

I received a letter inviting me to open a credit account with them . An invitation code was send . Then I has gone to the link above and applied for a citicard. Later on the next day, I received an email saying that my application was declined. The reason they stated me was insufficient credit history. I called back to costumer care and they told me that the invitation was send by a third party marketing people. I felt it to be an insult and was depressed mentally because of their action. I questioned them that why should they send me an invitation letter with a code to apply if I am not eligible for that. I lost a a bit of my credit history. I would never applied for the card if they has not send the me invitation.

I have documents that state if I say yes to their credit card prior to 12/18/95, my Annual Percentage Rate would match the Prime Rate for life. Initially, my interest rate was 8.8%, based on the Prime Rate of 8.8% plus 0%.

I have tried thus far, unsuccessfully, to have this company honor their commitments. I have documentation to support the incidents I have mentioned. I would like to have this investigated and given credit for the balance transfer fees. Thank you kindly.

I purchased items on promotion using my Home Depot credit card with 6 mo/12 mo "no payment no interest for the promotional period". My card states "Home Depot" -I was not advised that I was actually charging with Citi Card. Before promotion time was over, Citi changed my promotion to $10 minimum payments. What! I had a contract which was an inducement to buy from Home Depot. I never agreed to pay $10 per mo minimum payment, so the deal was simply changed without notice. It's not that I don't have $10 per mo to pay them - I just don't want the hassle of making monthly minimum payments of $10, so I overpaid what was due by several hundred dollars for several months.

Nevertheless, when I missed the $10 payment, I received many, many penalties of $35 per mo plus high interest on this acct. this is a complete scam they have going. First it is (a) difficult to find their payment website (it's not listed under Home Depot)(b) then you cannot pay unless you agree to make a statement that you are "getting a loan to make your payment, refinancing your house to make a payment, organizing yourself better, etc. etc. (c) their website is frequently out of service (d) their website has hours of operation and you can't pay to late at night or too early the next morning (e)beginning balance is not always the same as previous months ending balance - no accounting and no explanation. I've ever in my entire life dealt with with anything like this! Ohm, and don't make the mistake of not paying their $10 even it it is not even due yet - they call 3 times per day until they get their $10 plus $35 penalty plus over 20% interest.

I have/had a credit rating over 800 until I encountered this scam company. Their business statement "do everything you can to collect penalties and high interest from our customers".

The company was holding me accountable for the outstanding check which I never received and thus were attempting to charge me for a late fee and interest rate.

I used the citicard balance transfer check to put down a down payment on my new car in the amount of $3,100. I physically signed the check and handed the check to the dealer. When I checked my statement, citicards charged me twice under the same check number! Now I have two transactions in the amount of $3,100 which totals $6,200. I requested citicards to refund the second $3,100. The dealer said they deposited the check once and only received $3,100. Citicards is "investigating this matter" and have not gotten back to me yet!

I sent back a card I have not used to citicard- a few months ago- to their main branch- in South Dakota. I thought everything was fine- 0000 balance- now these idiots have sent me threatening letters-and harrassing phone calls to pay them for something I do not have.

I recently received my statement for my citi card and discovered that the interest rate had increased to 29.99%. I called Citi Card and told them that I wasn't aware of this change because I pay via the internet. Customer Service informed me that they had increased my rate back in September 2009 when I failed to Opt-out of a rate increase! I asked for them to change the rate now and they said that they were unable to do so because too much time had gone by and my rate had increased prior to the opt-out! Through no fault of my own even though I have paid on my account each month since 2006, I have no recourse per Citi Card to request the interest rate reduction.

I told customer service that I was disputing this increase. I have not paid my monthly payment on this account and I waited for a customer service person to contact me. When they did, I told them that I was waiting until I got their attention and I was disputing this charge, contacting Consumer Affairs and requesting in writing a interest rate decrease.

I believe that credit card companies should not be able to arbitrarily assign an interest rate that is so high, I can't possibly paid down the balance. I am a single mom raising three kids without child support. This practice is unacceptable. The interest rate increase means that I would pay the balance off in 32 years, if I paid the monthly payment. Where is my incentive to be a good consumer? I have been a citi card member since 2006. Banks should not be allowed to increase the interest rates to unacceptable levels. Please help!

I have been using the Diamond Preferred Rewards Card for 2 years and pretty happy with it, get free stuff or gift cards from time to time with the Thank You Points. And I have always paid the bills on time. Then recently, I noticed my most current statement has an $11.41 interest charge on it. I thought it was an online fraud and tried to dispute it from my online account, but could not do it. So I kept forgetting about calling their customer service until today I saw my bill in the mail that shows the interest charge originated from Citicards based on my standard purchases. I immediately called them to ask the reason for the charge as I did not miss the any recent payments.

I spoke to a customer service rep and she explained to me that 2 periods ago, I short paid the balance by $4.00; which now results in my $11.41 in interest charge, calculated by an 8.74% APR. Well, unfortunately for her, a reasonable person would not find that answer logical enough to let it pass. After my unsuccessful attempt to remind her that $11.41 cannot be the interest of $4.00 using 8.74% APR compounded daily in a period of 30 days, I felt so frustrated and was ready to cancel my card as she kept giving me the same nonsense answer, and even advised that she could perhaps send me the letter which explains how Citi calculates the interest charge!!! So I ended up raising my voice and told her that I would like to cancel the card right away, without that interest charge on my balance(she actually had said earlier in the conversation that she would "be happy" to remove the interest charge from my statement). At that point, she changed her tone and said she could not remove the charge, and was willing to connect me to an account specialist.

So in the end, that guy apologized to me, removed the interest charge, and promised this would not happen again blah blah blah.

I have learned my lesson that Citicards can play their tricks on good customers too. Fortunately that I always check my account regularly to prevent any potential fraudulent. And my second experience of fraud still came from the financial institution that issued my credit card, just like the first time! I figured that it is more common than identity theft and such.

They changed my due date! I pay on time, every time, and they changed my due date. I thought they couldn't do that any more. They've not been very helpful. Late fees, and who knows in the short term if there will be any damaging imapct.

After pleading with the senior accountant why my credit card was disengaged and explainging that the statements were being sent to the wrong apartment number and saying i have been with them since 1985, all she could say was "sorry, but since you were late we cancelled your credit card." Pleading about the situation and telling them it was there mistake, she got very rude with me, more or less calling me a slacker for not paying my bill on time, thus they cancelled my account! I will never use CitiCards again, but I'm afraid two of my Gasoline credit cards are through them!

I had a credit card for years and always kept a 0.00 balance. Received a statement in the mail stating that O owed a 60.00 membership fee. Had card for well over 10 years and never had to pay fee. Statement advised if I was late on my payment I would be charged with 39.00 late fee. My guess would be that there are a lot of people that do not watch this closely and are bombarded with constant late fees assuming that thier balance was paid off. This is why these companies are getting a bad rap in public opinion. Hopefully there are many people out there who call like I did and cancel their Citi Cards to put this company out of business. Wait, that cannot be done because the government will step in and keep them afloat. What business plan is successful that alienates their paying customers?

5 years back I had a Citibank Credit Card issued on October, 2005 with credit limit of Rs.14000/- which was linked with a Citibank salary account. I made so many transactions and paid outstanding so many times to Citibank. In 2006 my grandmother was very ill so I go back my home town with bag and baggage, unfortunately at that point of time I was not able to paid remaining outstanding of approx Rs.11,000/-. I came back to Delhi after 2 years in May, 2007 and got job in June, 2007 and opened another new salary account in Citibank because previous account had been closed. Now, Citibank debited 10,607.65 from my Citibank salary account on 31-May-2010 without any prior notice/information.

Citibank made 11,000/- to 96,000/- includes very high interest rate and additional charges. I am a service class person and having family of 5 members including 11 months old baby girl, how I can pay back 96,000 to Citibank against 11,000. Since Citibank started to debit credit card's outstanding from my Citibank salary account so, I am struggling to fulfill basic needs or bread and butter with remaining amount of my salary after deduction. Please help me to get this case resolved as early as possible. I have not enclosed any documents as a proof, because I don't have any documents. I have taken all the information related to credit cards from Citibank customer service.

My credit score is 768, and I have 2 late payments (though not on this card) in 99 months on my credit report. I have had this Citibank credit card for 16 years, and had a total of 3 months inactivity. They recently closed my account for some unknown reason. The only possibility seems to be my home equity loan lent/owed ratio. I have no mortgage.

I applied for a Citibank Diamond Preferred credit card that offered $100 statement credit after $300 in purchases were made. I received a denial that CLAIMED Equifax showed a bankruptcy. I got a copy of my credit report, and nothing about bankruptcy was on it. I faxed the entire Credit Report to Citibank, as instructed. I called 5 days later. Citibank has denied me credit because they were part of my 1993 bankruptcy filing.

In spite of my current status of - very low debt. - an 800+ credit score. - having "paid as agreed" on a citibank Visa. Citibank MasterCard is refusing my application because of a Chapter 7 over 17 yrs ago. That's what the Citibank representative said.... discrimination.

I was called by Citibank fraud division that my account has been compromised and I need a new account and card. The old account will be closed. I agreed. I noticed a $15 charge was later put on for sending me the new card. I had no idea I had to pay for a new card at their request.

NOT SURE WHERE TO START BUT MY BIGGEST PROBLEM IS i ONLY OWE HOME DEPOT ,citi bank around &2600.and the problem is over the last 18 to 24 months I have payed CITI BANK around 2000 or more dollars in payments on a account that has 3,000 dollar limit, balance and i only owed them that much or less over the last 18 months i was at around 3,000 and now I am at around 2,650 i have not made any large purchases or any purchases over the last 18 monts .

My interest rate was increased to 29.99% in November 2009 due to a single late payment. I contacted the customer service at that time, they told me that the 29.99% is the penalty rate and the interest rate will go back down after 6 months of on time payments. I contacted the customer service rep in the attempt to adjust my interest back to where it used to be, however they told me that 29.99% is now my "set" interest rate regardless of my good payment history.

After trying to understand the limited vocubrary and thick accents of foreign based customer service reps, I spoke to their supervisor based in US to discuss the matter. Only thing she told me that was they sent me the notice back in December that 29.99% would be my new normal rate, which notice I never had received. According to her, Citi did similer adjustment to many of their customers and these change of rate to survive as a company. I want to say this was the far worst response I got from credit card company as explanation of the rate increase.

I have very little credit but what I do have is good. I wasn't surprised when I applied for a Citi Forward card for College Students to be accepted with a credit limit of $2,500. I activated the card and used it to pay a bill and then paid it off a few days later. Next, I get a call from fraud early warning saying that my address on the Social Security number doesn't match my card address (it's from the last time my family listed me as a dependent on their taxes). Usually such things don't matter. So I had to get a letter of enrollment verification with my current address, had to fax utility bills, had to change my social security address on file at the office, also had to fax copies of all my photo IDs, insurance card, pay stubs. Citi lost most of these and said they never received them. So I faxed them again. They refused to check the social security address because they had "already done it". Citi Bank/Citi Cards has the worst customer service. No one knew who the supervisor on the floor was, no one knew company protocols and I swear they made up new rules every time I called.

The next day, they called and said my documents were not acceptable and they decided to close my account. They also said that the balance needed to be paid in full (even though it already was) and refused to acknowledge the payment that I paid before my account was frozen. I faxed in the copy of the confirmation of payment that I received and still nothing (it's not in my bank account)Now they hurt my credit by closing an account, took the money I paid them, and are telling me that I owe a past due balance which I paid (further hurting my credit).

Never open an account with Citi Financial. They are going under and can't even afford properly trained customer service representatives. Last time I called, I was told that by opening a new account, my payment would go through and the balance would go down to zero on the older account. I was then transferred to the account opening department and told that this was not possible. What? It makes no sense.

I would like to share my experience to anyone using Citibank credit card. Since I started using the credit card, I have not received a single statement. Every month whenever I call on the phone to ask my amount due, I get a wrong information. They don't tell us the actual amount. They always told us a lesser amount. We paid whatever was told every month.

Recently, we converted an amount of $21420 into 12 EMI. According to us, we paid the 12 EMI in the month of April 2010. But now they told us that one of the EMI was paid towards my due for other purchases which I was not aware of since I was thinking that I paid my monthly purchases according to what the agents told me on phone. Now, is it my fault if I did not receive any statements?

I would advice anyone who uses a Citibank credit card if they are inquiring about the repaying the credit purchases amount to ask for the total credit amount to repay. Some *** agents would only tell you the current amount due, they would not tell you about your previous month. Once I paid the remaining amount, I am going to close this account for good and would advice my friends to do the same. The customer service is a big question mark.

I received notice in October that the interest rate on my CitiCard would go up to 22.xx% unless I responded by such-and-such date in November to opt out and close the account. I called, they have my call documented, only they have that I accepted the terms when I was very clear, keep the interest rate and close the account. I received a new card in the mail yesterday. I called to ask why. This is when I found out the customer service representative marked me as accepting the terms. The time frame to opt out has passed, and guess what, I am now stuck with a 22.xx% interest rate! They say I have no recourse. They got me so good and I am so angry.

Citi cut my credit line down to what I owed. I called and complained and they told me that I had 60 days to get my balance down below the right ratio has not to affect my credit score. I told them that they have a lot of nerve treating me like an irresponsible kid. I will pay off my balance and put their card in my safe. It's lowering my credit score.

In 2008, I received a letter from Citicards stating that the terms of my card were changing. The interest rate was to be increased to 19.99%, or my account would be closed if I didn't accept the new terms. Of course, not realizing the impact that the account closing would have on my credit score (my Citicard was my oldest credit card), I declined the new interest rate and closed my account. In December 2009, I realized my interest rate,on my closed account, had been increased from 9.24% to 13.99%. I contacted customer service and was told that there were no notes attached to my account to explain the increase, so my account would be changed back to the 9.24% rate, and any interest overages would be credited to my account.

Today, (April 26, 2010) I pulled up my account online and discovered that my interest rate was still 13.99%, and no credit had been posted to my account. I again contacted customer service, but this time, the account manager told me that it is CitiCard's policy not to change interest rates on closed account, so I must be mistaken. I immediately pulled my card statements dating back to March 2009, all of which reflected 9.24% interest. The account manager told me that she cannot pull my previous statements, and would have to "request paper statements to be delivered to me." The account manager told me that she would research my complaint and "send (you) something in writing in a few weeks."

I know there are new regulations designed to protect consumers against these practices, but who's enforcing those regulations? I just want to get my balance paid off and say goodbye to CitiCards. I'm not trying to dodge what I owe, but don't jack up my rate to make up for what someone else didn't pay back! I'm trying to get this card paid off as soon as possible, and to recover the credit score points I lost by closing this account, but CitiBank and CitiCards is making this more difficult than it should be.

My credit card payment was due on the 13th of Apr 2010. Due to problems with accessing the internet while I was traveling, I made full payment on the outstanding amount on the morning of the 14th Apr 2010. Citibank has chosen to levy me a late payment charge even though I have made an appeal to consider that I was only a few hours late with the payment and that it was beyond my control as I could not access the internet to execute payment.

My appeals for a waiver have been denied. I have always been making payments in full for outstanding balances and I believe Citibank should be more customer focused and considerate and not take advantage of an unfortunate situation. I write this to make others aware of the inflexibility of Citibank Credit Cards and strongly recommend that they consider other financial institutions and avoid Citibank.

i have Sears account with them. They made payment arrangements with me for the 25th of every month till paid off but continue twice to take it out of my account earlier than the 25th. And I've gotten 2 charges on checking. I get aid on the 10th and 35th. Why take it out on me earlier? This is very wrong. That is $70. I have been put into the hole because of this. I have called repeatedly and am sick of doing so. This isn't fair, and I'm ready to just pay cash instead.

On February 17, 2010 I got a call from Citi Bank rep Susie. She explained the reason for her call was that I was 20 days late and that I would need to make a payment. I explained to her that my unemployment check would not be here until February 20th at which time I could pay my January payment. Well, she went on to tell me that since I have been out of work so long that they could set me up on a payment plan where I would pay $93.00 for the next 12 months and it would close the account.

But because they no longer had the Citi-flex the account had already been closed. She told me that the APR would be 7.24% for the 12 months and they would need my bank info so that these payments would be automatically withdrawn on the 31st of each month. Well, since I have been unemployed for since November 2008 I thought this would give me a chance to pay this down in the next 12 months. So I agreed to the first payment being withdrawn on the 22nd of February.

Now this is where it gets sticky or should I say tricky. Citi withdrew the money on the 22nd of February and when I received my next statement it showed a past due of $158.00, the same amount I owed for January 29, 2010 which I set up the payment arrangement. I then called Citi and the young man assured me that the next statement would show the correct amount of $93.00 and not a past due amount.

Well, that was not the truth; not only did it not show the payment due of $93.00, it showed that I was past due $207.03 and my balance went from $9098.39, which I owed when I started the program to $9124.15. Now, tell me how does this happen? Mind you, they have taken two payments of $93.00 from my bank account and my balance owed has gone up. My goodness, the people there are so nasty it is unbelievable. I will never again do business with these people: they have the worst customer service I have ever encountered. This will be reported to the credit agencies as a thirty day late on my credit.

Yesterday I was honored and surprised to receive correspondence from Citi group. It stated that due to new regulations, they had revamped and remodeled their credit card holder policy, and that based on that and my credit report, they would be cancelling my card as of 5/15/10.

Needless to say, I reread the letter thinking that I must have misread it; I called customer service and after hearing the customary memorized poor excuse for true customer service (i.e. "I am sorry for any inconvenience", and "I understand your frustration") the rep was once again "sorry for the inconvenience" of letting me know that yes, the computer showed my card holder membership would be terminated on 5/15.

I am not only incensed, but also find myself feeling cheated for actually doing the right thing, for keeping up with payments even when out of a job, paying higher taxes so Citi could be subsidized and "rescued", for actually believing that in these United States if you worked hard and met your responsibilities, things would be okay and you would not punished. It seems backward to me.

I only know that when and if they actually have the audacity of offering me credit again, I will literally laugh and tell them "I am sorry for any inconvenience this may cause you" and "I understand your frustration"!

In the month of March, 2010, I received a telephone call from a representative of Citi, concerning my account. I was told that my account was $3,880. I asked how much it would be, if I settled the account. I was told $2,600. I was told by the representative that it would not be beneficial for me to do a settlement, because I would receive $1,099 of the remaining balance as income. She then offered me an arrangement called the "Match Program. " I was told if I paid $100 today, I would receive a match payment of $100, and each month thereafter, for six months, I can receive this service. I agreed.

I was set up (or so I thought) for this service. On April 9, I paid $100 on my account. I asked for the March amount of $100, and I was told I would receive the match amount, and it would reflect in my next statement. On April 11, I received another call from Citi, and I paid another $100, so I could pay the $345 balance down, and I would only have to pay $100 each month. On April 16, I received another call from Citi. This time I talked to Rain, who stated I should not have received the telephone call, as I had paid $200 on my account. I asked her about the match payment, and she assured me that I would receive it for the month of April, and it would show on my statement.

Today, April 19, 2010, I received my statement in the mail, and it only shows the $300 I paid on March 16, April 9, & 12. No money was matched. While I examined my statement, I received another call from Citi, requesting more money. I explained to Dwayne, that I have made payments for this month, and I should not receive any calls per Rain, the person I spoke with on Saturday, April 16. Dwayne puts me on hold, and when he returns, he says I see where we called you on the 16th, however, your account is delinquent by three months. Realizing that I was told about the program I was offered in March, I asked him why I had not received match payments, and he said it was only good for one month. Well, I was not told this by Rain, the other Citi representative. I was led to believe that I would receive a match payment of $600, if I paid $100 per month. Rain also gave me confirmation numbers for each agreed upon payment. So I asked to speak to a supervisor, and Consuelo answered the call. I told her my concern, and she said I was only eligible for a one time match payment of $100, and I would have to pay $513.29 in the month of May.

I advised Consuelo that I know my rights as a consumer, and I felt that I was being harassed by Citi, and I did not want to receive anymore telephone calls. I asked them to put everything in writing. Consuelo told me that I could not make that request, and that the calls will continue. I told her that I want all calls to stop, and she said I must put that in writing. I told her I would. I had previously asked for the address of someone else, and I was given ** Sioux Falls, SD 57117, but no name. I also asked her what my minimum payment was, and she initially said $345, then she changed it to $513.86. I asked her if I had to make that payment each month, and she said this was my minimum payment.

I strongly believe that I am being harassed by this Citi. I know that I owe this debt, and I am making an effort to pay it off. I also believe that my interest has been increased to 27.4%, which caused further hardship for me. I also know that the representative of Citi have lied to me, as it relates to payment arrangements known as "Match Payments". After speaking with Consuelo, I realized that I was upset, because I could feel my heart racing, my head pounding, and my ears were pulsating. I became sick to my stomach, because I had become very upset with this situation. I want what is fair, and I feel I have been taken advantage of by this monster of a corporation.

I have had this Citibank credit card for over 10 years and have never made a single late payment. I received a letter in the mail today that stated my account is being terminated next month because of things that have nothing to do with my credit history with them. Their criteria for closing this account was unreasonable.

This is going to be a huge setback for me and my family, in the way of future purchases, and will surely have an adverse affect not only on my credit score but on my career marketability also. One of their reasons for canceling my account was "length of time accounts have been established. " I guess 10 years of perfect payments isn't long enough. All of my other lines of credit have been open for several years without any late payments. Do not use Citibank.

I've been a card customer for fifteen years, never missed a payment, no late fees and I usually pay at least twice my minimum payment. I get a letter, they are closing my account because I no longer fit their criteria. This after paying at least 21% interest for years. Is there no protection in the new credit card bill against this kind of treatment from loyal customers? This was the only credit card I've held even though I have other offers. One must have at least one card in today's business world.

I have had a Citi credit card for many years without late payments for at least the past five years. My credit score has improved considerably since opening the account years ago and now they are closing the account because "we recently adjusted out credit standards and your account does not meet our new standards." I regret investing so much money in this company over the years to help build my credit.

In reading the numerous complaints, I wonder just how many accounts they are closing in the US, due to the new regulations. I will never do business with Citi again and had to shift my retirement investments so that I am not support this or any other business that engages in practices that harm consumers who are trying to build their credit.

It appears that financial institutions are engaging in unethical practices to ensure that payments are late and derogatory credit is reported to justify charging higher interest rates. Thus, securing their bottom line to continue paying out corporate bonuses at the expense of those less fortunate. Every time a creditor closes an account, it appears as bad credit and your credit score goes down. Now, every company that bases their fees off the credit score can justify charging you more.

Citi credit card customer since 1996 and always paid as agreed. Received letter in mail that my account will be closed because I don't meet their new adjusted credit standards. The reason was because I had $300 in unpaid medical in collections back in 2004. I was not aware of the collection. I have never made a late payment with them in almost 15 years! I have other charge cards which shows on my credit report paid as agreed. House payment paid as agreed and car loans all paid as agreed. Basically, they are closing my account for $300 in unpaid medical that I didn't know I had.

Citibank is making it extremely difficult to cancel an old credit card. Why is that? As a consumer, I have the rights to cancel this account. On April 16, 2010, I called Citibank to cancel an old credit card. They transferred me to six representatives! This lasted for 53 minutes, from 2:20 - 3:13 pm. They told me it was necessary to visit the local office with two forms of I.D. to cancel the account. This does not seem appropriate. I asked to speak with a supervisor. As soon as the supervisor got on the line, they hung up on me. I will not bank with Citi cards any longer. If enough people protest these deceptive actions, perhaps we can begin to make a dent in the credit situation in this country.

I received a letter from Citi that stated my VISA account would be closed due to new standards they had put in place. The first person I spoke with (PAT) said there was nothing that could be done. After a very frustrating conversation with him, I asked to speak with his supervisor. (Pat should learn to push the hold button before he begins to laugh). I was connected with Jessica a senior accounts supervisor. She again told me nothing could be done, not even by the president of the institution or the board of directors.

I asked why the MasterCard I had with Citi was not being closed. She stated "it's a different product so we have different standards and that card was not being canceled". Needless to say I asked to have the MasterCard account closed also. After being a Citi customer for 16 years, paying on time for 16 years and always paying more than the minimum I now get the feeling that Citi is not a customer oriented institution. If the government sent Citi any bail out money (which is my tax dollars) I feel Citi should repay that bail out money in the form of canceling the remainder of my balances on the closed accounts.

I am making a formal complaint against this company because I got a letter in the mail stating that they were closing my credit card account due to info from Equifax. When I called to inquire, she said the letter should of explained the reason why the account was being closed. All the letter said was it is being closed due to Equifax info received 1. Level of delinquency, was late one time last June on my Toyota car payment which was overlooked that was all I have ever been late 2. Time since delinquency on accounts, 10 months since I was late one time 3. Amount owed, account balance 543 on a Target Visa with a credit limit of $5000 and an account balance of 345 on the citicard visa with a credit balance of $2400.00.

Equifax has no negative info on my credit report except for the one time I was late in June of 2009 to Toyota. I have never been late paying either of my credit cards. Now this random closing of my credit card is going to ruin my credit rating. This is unfair and unjust. I work hard to pay my bills on time and because of one incident where I overlooked my car payment is enough to close a credit card, they are ruining my credit and it is not right.

I want this looked into please, because I don't deserve to have my credit ruined. I don't even know if they have correct information to close my account because citicards won't tell me, they just say it is info we received from Equifax and they can't stop my account from being closed. There are so many people that walked away from there credit cards and justly have bad credit. I pay my credit cards and they are causing me unjust bad credit.

I have held a Citibank credit card for sixteen years. In fact, it was one of the first credit cards I received in college. Over the sixteen years, I have been on-time with payments and remained in good standing. Three months ago, my husband was laid off. I continued to make my payments, however three of them were late. Over the past few months, I have paid Citibank around $8,000, which is well above the minimum payments.

At the end of March they issued me a new card. On April 13, 2010, I received a notice that my account will be closed due to "recent late payment". When I called and stated that I had been a member for 16 years in good standing and that over the last few months I had given them $8,000 even though my husband had been laid off and I was struggling to make ends meet I was told there was nothing that could be done.

I find it completely disheartening that Citibank can ask the American public to bail them out with our tax dollars when they are in trouble, but when a loyal customer of 16 years is late on a few payments they cut them off. This will have an impact on my credit report.

Recently raised my rate to 29.99%, said I was one day late in November! I've had the card 11 years and have always paid at least the minimum balance on a timely basis. Over the years, Citibank continuously raised my available credit limit, up to $48,000, unasked. I'm in the real estate business and have run up the balance over the past couple of years, but I've still been able to at least pay the minimum payment due. Now, I don't know how I will be able to do that with a 30% interest rate.

Instead of working with me to help me get this balance paid off, they are driving me into a more precarious financial situation. I feel trapped by them. Based on comments from others, it appears a number of folks had their rates yanked up based on purportedly paying a day or two late in November. Their behavior is egregious. I'm sure what they are doing is "legal", but it's not moral, not right. We are all stockholders of this company and this is how we are treated. Truly unbelievable. Positively un-American. Exacerbates my delicate financial situation.

I was reading the article on Conn Attorney General wanting credit card rates rolled back dated 4/14/2010. This is exactly what has happened to me with 2 of my credit cards; one being a Citibank MasterCard. On March 22, I wrote Citibank, AZ Attorney General, BBB and the Federal Trade Commission to voice my displeasure for the significant increase in my credit card interest rate before the Feb 2010 law went into effect.

I have never been late on my MasterCard, never missed a payment but feel that Citibank took advantage of the loophole given to them before this law took effect. My payments are now $100 more a month than they were and it is now a struggle to make my scheduled payments, which is the only thing they would offer me. I am very unhappy that a big company like Citibank would do such a thing and hopefully something can be done about these greedy credit card companies.

I have this credit card since 1987. I have been constructing my home and have had very high bills. I paid off about more than $20,000 in April/May 2009 but ended up charging more and again had a high balance of close to $25,000. I had been paying several hundred dollars per month minimum payment. I noticed within last several months that the interest rate went up to somewhere around 24%-25%. I was surprised at that because I had lower rates earlier (about 13-15%, and non promotional). I called them to complain and I was told that your interest rate will go to 15% or so, but it did not happen. My interest rate went down to 20%.

Recently, I paid off the entire balance of $24,772 or so on 3/30/2010. Last week, I received a letter from them that my credit line has been reduced to $570 from around $25,000 because I have several cards with balances close to the credit limits. This is unbelievable. They reduced my line because I paid off the high interest card.

As long as I was paying them approximately $500 plus per month in interest, they had no problem with me borrowing from them and elsewhere. The minute I paid off high interest credit cards, they reduced my credit line to nothing. And this is when I had the credit card since 1987 and had a decent credit limit. This $570 credit line is a joke when you go out of town with the family (wife, children ages 9-18) and rent hotels or cars. I am not sure what is the remedy for this kind of abusive behavior by credit card companies. They did not even call knowing this person has had card for 23 years and always paid them.

My husband opened a credit card account in 1989. I did not know him at that time, married him in 2000 and maybe in 2003 he acquired a secondary card for me. I never signed anything and did not use the account in the past five years since I have my own credit card accounts which are in excellent standing. His account is in a payment schedule since he put a large amount from a IRS bill which I was never made aware and never signed for this payment and he is unemployed at this time. I have just recently had my credit history run and I am showing this bill on my credit report. I need to know how I can get my name off this credit card debt and off my credit report. My credit history is damaged because of this problem.

My interest rates went to 29.99% after about 9 years of paying on time. I was making over $300.00 payment a month and now they want me to pay over $600.00. I am disabled. They will call at least twice a week and every time they ask "has anything new happened, has your situation changed", like as if by magic I was going to get better (I wish).

Every time they say they are trying to help and every time they end up also saying they can't help me or they don't have a plan that can help me. It's gotten to the point that last time I spoke to someone, they told me I should ask my children for help. I have never said I would not pay, I just keep insisting for them to give me a plan that I can work with. It really has gotten to the point where I know my whole day is ruined every time they call, like I need anything else in my life.

Because of these, my credit is ruined. Although I am still paying all my other bills and cards on time and I get very depressed every time they call me.

I usually pay by balance in full. Two months ago, I paid the balance on time, except for about $200.00. Citi charged me interest on the entire amount. I complained and they took the interest off. I paid the balance on that billing cycle on time and in full. The next billing cycle they charge me interest on the entire amount again. I complained and they refused to remove the charge. I closed the account.

Had closed credit card due to financial hardship and my child being sick. Went on a payment plan, paid faithfully every month. Then told, I must open the card, I did not want to, but was told "I had no choice". I was told the interest rate would be low and the payment would be close to the amount I was paying every month. Not true, opened the first bill, it was over double what I was paying. Called up and closed the card again (Please note the card had been shredded a full year before). Now, I am trying to pay, but need something I can afford. They are telling me, I have been on 3 different plans, again, not true.

Only one, the one from Nov. 2008 to Nov. 2009. Now, they are saying that when they opened the card, that is considered a payment plan because they gave me a special rate (28.99%). Then they said to make the first payment at the 28.99% and the next month, it would be significantly lower, around 7.99%. Again, not true, it is 13.99%. And finally, they are saying they can't lower this already low rate because I had a special offer when the account was opened in 2000. "They" being Customer Service and Collections departments.I just want something I can afford, please someone help me. Stressed out beyond belief.

I tried changing my number with Citibank credit card customer care 3 times but that never happened. Now, when I called them to know the outstanding amount it was 32000 rupees, which shoot up from 9000 odd rupees. Please suggest what should be done. The consequences are mental trauma, stress, and now again I might be facing some problems because of Citibank.

I am a retired nurse living in a fixed income residence. Due to my diminished abilities, I am unable to read the very, very small fine print which is included on the reverse side of the monthly billing statements. My son Terence, who is an authorized user of the card, recently reviewed my billing statements only to notice that my interest rate on purchases is 29.80% APR and cash advances is 37.33% APR.

When I originally enrolled in this card plan, the interest rate was nowhere near this amount. I do not recall ever seeing anything which I could clearly read that told me the interest rate was increasing. I have called on numerous occasions since my son discovered this, to get the interest rate lowered and/or to have my payments lowered but have been unsuccessful. Additionally the customer service agents I have spoken with have been extremely rude about my inquiries basically telling me "too bad".

When I told my son of my experience with your customer service representatives, he forwarded a letter to U.S. Representative Eliot Engel explaining my experience and current interest rate dilemma. Being charged 29-37% interest on this card is absolutely ludicrous and should be illegal, if it is in fact not illegal. I kindly ask that my interest rate be lowered to a "human being" rate of 8% APR.

I also ask that my bill be credited the difference over the time period that this astronomical interest rate has been in place (the difference of *% APR vs. 37% APR). Furthermore I ask that if, in the future, the interest rate is to increase that a proper notification be sent in writing in a font size that is readable for all to read. I appreciate your prompt attention to this matter.

I was sent a balance transfer offer to expire in Oct. 2010, I used the check and they then sent me a letter with the offer expired, it went from a 0% interest to a 19%, after I phoned they said nothing they can do.They also charged me a balance fee that they won't remove. I have been with them for 8 years without missing a payment. Please help the consumer.

Last year, I had a 'Citibank Premier Pass Credit Card' that awarded me loyalty points (Thank You Network) whenever I used it. As a loyal account holder, I faithfully used their card with the knowledge that I was accumulating Thank You points that I could use later at my discretion. In August of 2009, after carefully researching the rules about Thank You point expiration (see below), I cancelled my credit card with Citibank. Last week I learned that Citibank had cancelled my loyalty points (114,000 points) without informing me 'due to account inactivity'. I opened a petition with both ThankYou Network and Citibank but was informed that Citibank would not re-establish my points.

Loyalty point expiration research: I am in possession of a letter to me (and all cardholders) from the president and CEO of Citibank (Kendall E. Stork) where he specifically addresses the rules of point expiration. I quote: "Effective January 1, 2010, all Thank You Points earned with your card, including points you earned before this date, will not expire as long as you make a qualifying purchase at least once every 18 months from the end of the month in which the points are earned."

He goes on to say: "To view your Thank You Point balance and to keep track of the expiration date on Thank You Points you earn, visitthankyou.com and see your account statement under My Account / Points Summary / Expiring Points." These rules are further reinforced on the Citibank website for the "Citi Premier Pass" card. On the FAQ section under "Do the points expire?" it states: "ThankYou Points do not expire as long as you have qualifying purchase activity at least once every 18 months."

On both the letter and their website, Citibank/Thank You Network never indicated that by canceling my credit card, I would lose my points. When I closed my credit card account with Citibank, I explicitly asked the agent if I would lose my points and was re-assured that I would not. My last qualifying purchase was made on June 17, 2009. Therefore, I should have had until Dec. 17, 2010 before any of my points expired. I took the CEO's advice and was actively monitoring the Thank You Network website for any impending 90 day expiration. At no point in time did the Thank You Network flag the points in a 90 day expiration window; rather the points were just yanked away. I lost 114,000 Thank You points.

I was charged for $747 interest this month. I am set on automatic payroll deduction for 60 mos. to pay off my credit card, at zero percent. I just spoke to 3 people at Citi and they refuse to deduct the $747 interest charge. Outrageous. I am broke, thanks to Citi. It was my fault, but the latest interest charge is ridiculous.

Hello, my APR was around 15% and I forgot to close the account with the opt out option. My account APR jumped to 29% making my minimum payment around $435 per month. I contacted the 800 number and they would not let me close the account at the 15% and were rather rude in talking with me. Like I was a second class citizen.

My economic means is unavailable to pay such a amount. I may lose my home. I cannot afford to buy food to sustain my family and my mental health is rapidly decreasing due to the stress of the situation.

I received a letter from Citibank stating they received a letter from credit bureau, stating there was fraud on my account. I explained to them that there were unauthorized charges on another account but not these gas cards and it was done in the past by my ex-girlfriend. They could not explain what was happening and they stated since it was closed there is nothing they can do. They have closed all of my gas credit cards, so now when I travel I have no more cards to use. The damage; they took away my ability to use my credit cards upon travel.

This is a letter I wrote Theresa in response to what she sent me after I filed a complaint with them and tried numerous times over the phone to resolve the issue. I also called Theresa, but she has yet to return my phone call. Let me start this letter by saying I have been a loyal on-time paying customer for over 12 years. Because of my good standing with Citibank, I do not deserve to be treated like a person who defaults on their loans or credit cards.

I also do not deserve to suffer for the mistakes others have made, specifically the people on Wall Street that screwed up the economy and your current customers that defaulted on their loans and credit cards, which caused your companies credit losses. They are not of my concern. Let me tell who is my concern, my husband, my 10 year old miniature dachshund whom her and I survived 9-11 together living in downtown Manhattan, and most importantly my 1 year old son. It has been very difficult to make ends meet since I became unemployed.

My family lives month to month and after paying all our bills, we just have enough money at the end of the month to put food on our table. However, if my APR on my Citibank card goes up my monthly payment will go up, thus leave my family no extra money at the end of the month to put food on our table. Do you really want to be responsible for taking away food from my cute innocent son? Do you really want his family to suffer more financially then they already are and make them turn to desperate measures?

You claim in the letter that you wrote me that the new APR of 23.99% with a minimum of 29.99% is consistent with the current market conditions, yet the national average APR rate is currently at 14.45% (see attached) and that if someone has bad credit the national average is 20.84%. This means that your APR is not only higher than the national average, but even higher then someone with bad credit. I do not have bad credit and I repeat I am in good standing with Citibank. My only issue is that I have a high balance on the card, one that I am trying hard to get down, which would be impossible to do with your new APR.

Furthermore, I did not receive a letter in July 2009 that stated my APR would be going up in October. I never received a letter from Citibank stating such at anytime during the year 2009. If I had, I would have tried to resolve the issue right away. The only reason I noticed my APR went up in the month of October because I am compulsive about checking my account online. As soon as I noticed I called Citibank customer service to resolve the issue. I was blackmailed into either closing my account or accepting my APR to stay the same for only 6 months. I was never told it was a promotional rate.

I did not agree to any promotional rate, but only agreed to my APR staying the same as it already was for months prior to October. How can you call an APR a promotional rate if it stays the same as it was before you tried to raise it? I only was aware that it was called a promotional rate after you sent me a letter stating the agreement from the conversation. I repeat, I did not accept a promotional rate, but accepted my APR to stay the same as it was for at least 6 months instead of going up to your ridiculous, astronomical, rate.

I hoped that by the time 6 months were up the economy and my financial status would be better, but if not the new credit card laws would be in effect which state that you can't raise my APR for no reason! Calling it a promotional rate, it obviously just a term you are using to find a loop hole in the new credit laws to raise my rate for absolutely no reason! I am onto to the credit company scams and you clearly are trying to scam me.

You are leaving me with three very horrible options, none of which are going to help you make money. In fact, the options you are leaving me with will cause you to lose more money, when you are stating you need to raise my rate because your company is losing money, so what is the point of being a bully by raising my rate? Option number one is I have no choice but to deal with your horrible, unfair APR increase which will force me to either have no money at the end of the month for food for my family.

So, as you can see the best option is to leave my APR, the same so I can continue to try to pay off my card, continue making payments on time and you continue to make a profit from me. Do you really want to raise my rate and be not only responsible for your company losing more money, but responsible for leaving my family with no money for food at the end of the month and my young 1 year old son watching his mother sink into a deeper depression (since I already suffer from that and anxiety due to where I was and what I saw on 9-11) because I can't provide for him the way I thought, hoped and dreamed about!

If you can honestly look yourself in the mirror and do something like that to a young innocent family just starting out and just trying to get buy in this difficult economy, then fine, but it will not be done quietly. I will not give up and will have no choice but to send this letter onto to such people as our New York State Attorney General Andrew Como, 7 on your side and many others. So, please for both of us, I am begging you to not raise my APR. Please contact me personally as soon as possible regarding this matter, so we can discuss it appropriately as two mature adults just trying to get by in this tough economy!

As you can see from the letter above, I suffer from anxiety and depression and this issue is making it so much worse. I am emotional drained and feel my blood pressure rising anytime I try to speak with them. Then I get off the phone and cry in front of my son, which I do not want him to see me like that. However, the thought of not having enough money to put food on the table next month when the APR on Citi goes up is killing me!

I have had a lot of problems with CitiCard. I would return a card with zero balance--to prove to them that I am not using it--and yet they still bill me. This time it was $32 for nothing and told me that it was a late charge. For what? As it was, I barely ever used the card and when I did, I sent out a check specifying for what it was for--only to have those ** put it elsewhere at their delight. At this moment I have a letter going out with a bogus bill they sent me. I have to scream in their faces with a letter and it takes up valuable time in my day due to their considerable stupidity.

Like many of the complaints I have read here today, I, too, was a long-time customer in good standing. I had carried some larger balances that were paid off a couple of times over and was rarely ever late in the decade and a half I was a customer. I had paid off the card, but hadn't used it in quite some time until I bought my first home and needed to defer some cash flow. I hadn't missed a payment on the new balance until the week I moved in to my new house and amidst of all the hustle and bustle of packing, working on the new house to make it ready to move in, and taking care of other details, that bill slipped through the cracks and was a couple days late.

I was livid. I couldn't believe one of the financial institutions that my tax dollars had helped bail out was now bending me over and ** me even harder than ever before. Their excuse was the economy, tightening their policies--aren't they the ones who got us into this mess in the first place by being part of that mortgage crisis?

The nerve Citibank has after everything the taxpaying public has been forced to endureunemployment, layoffs, upside down mortgages, government cutbacks in social serviceshow can they be allowed to rape the citizens who are barely able to make it? It's just wrong. It's unethical and it should be investigated and regulated. I will never do business with Citibank again and any other cards I have that are connected with them are going to be paid off and closed. Jacking up peoples interest rates to nearly 30% while they are borrowing the money from the Feds at less than 1% is just un-conscionable. This is literally embezzlement from taxpaying citizens and it should not go unpunished.

I used to work for Citibank Credit Cards in Italy which entitled me to have a credit card. For years, I have repaid back from my Italian account until this was closed without me knowing about it. Because I don't live in Italy, I have asked Citibank if I could debit the amount on my English account but they said this was not possible (no explanation why, which in years of globalization is ridiculous).

I then asked Citibank how I could repay my debt and they said to me that all I had to do was to transfer my money from my English account directly to the Citibank account, specifying my card number, each transfer costs me 9 in average. I have done this for months with no issues until my HSBC bank in London has informed me that the bank details I was for Citibank were wrong. I have contacted Citibank with insistence to get the new bank details and after pains that make Dante's inferno look like a playground, they have eventually been able to let me know the right bank details.

Last month as usual, I transferred money on the Citibank account and as habit, I called the call center after a few days to check that the amount had been received and debited. The operator confirmed so and asked if I needed to send a fax to confirm. He said it was not necessary as it was all OK. The operator refused to provide me with his full name as he said that this was not legal.

Meanwhile, I had sent numerous faxes to Citibank to understand how I could deal with my card since I live abroad (I asked them to stop sending me letters to my Italian address as this is an inconvenience for my family plus I have to pay for them when all I do is to check my account online I have asked them to update my file with my correct telephone number in the UK to stop calling me in Italy as this means that my parents have to call me back every time at their expenses; I have asked to be contacted only on this number or, if not possible, by email, for free).

Last month, checking my account online, I have notice that 20 had been debited for a delayed payment. This had already happened in the past and the money had been credited back to my account as it was Citibank's fault. I have called the call center to clarify the situation but they have not helped me except for saying that this was correct and despite the previous conversation I had had with the same call center. I have then sent faxes again to clarify my position and the following have happened: I have first been ignored for weeks.

As the fax number I sent was increasing, the operators have started calling my parents in Italy, despite every fax reporting my correct contact details. During a phone call, the operator told my father that it was not possible for them to call me on my English number. This was a lie, as because of the previous wrongly debited amount by Citibank (20) the operator had indeed called me on this number to inform me of their mistake.

Then the operator told my father (as you can imagine not a young man) that it was possible to call me here but he had tried with no success - another lie as my phone is always with me in the office and with excellent reception. After my parents' call, I have called myself the call center to find out, baffled, that no notes had been added in the system about my issues and not even about my correct contact details. The operator was not aware about anything.

Today, after I have sent numerous faxes to Citibank and after months have passed, I have eventually received a phone call. The operator said to me that I just have to pay for the 20. I asked him about escalating my complaint and to provide me with an address where I could send it and he said that all I could do was to call the call center that I suppose is still unaware of my pain. The operator then hung up on me and called back saying that the line had gone bad, another lie. What has gone awry, meanwhile, is a customer's patience. I think the entire Citibank situation has now driven me mad. I am so angry that I cannot find the strength to phone center. My parents are worried that for a modest sum to pay on my credit card I will become a bandit.

I keep a close watch on my interest rate and I keep noticing slight increases. When I asked to speak to a manager, they told me that due to the economy, credit cards raised their rates. If I want to keep my lower rate, I agree that upon the cards expiration date, the account will close. Otherwise, I can either take out some type of loan through them or accept the increase and keep my card as is. I pay my bill monthly, I'm a good customer. So, if I agree to let the card close on me, they will either let me apply for a new card at a much higher rate or they will decline me. So either way, I'm **.

I received a bill with an increased interest rate. I called to inquire why I had raised from 12.9 to 29.9 and was told by a call center representative that the increase had nothing to do with a late payment and that I was sent notification in November to "opt" out but failed to respond. I indicated that I never received this letter and was "opting" out now. I was told it was too late. I asked, "Too late for what," and was told the offer had expired.

I spoke with a supervisor who indicated there was nothing that could be done. I filed a complaint with the NYS Atty. General, OCC Case # 01062990. I received a letter from Terri H., Presidential Communications of CitiCard soon after. The letter referenced "an inquiry on my behalf" from the Comptroller of the Currency regarding my account.

I was advised that CitiCard considered a number of factors when changing terms and what was needed by CitiCard in order to continue to provide consumers with credit, current economic conditions, challenging market conditions, cost of doing business and that I did not opt out of these terms in November. She encouraged me to call her. However, she never answers the phone or returns my messages. I have called a minimum of eight times, left messages, phone numbers and times to best reach me. She has never contacted me. Again, she signed her letter as being from Presidential Communications.

My credit card interest rate was raised to 29.9% from about 8.99% this month after years of paying on time every month. I called Citicards AAdvantage VISA and they said "they no longer have a low interest rate program available for me". No letter was sent to me by Citicards (not that it would have made a difference). I can't pay the balance in full at this time because cash is scarce and our income is lower due to this great recession. I'm being robbed with the full backing of the law.

I have sent three letter to Citi Card to cease and desist calling me. They acknowledged that they received this and the first letter was done with US Priority Mail, so someone had to sign for it. The calls continue - 8am on Sunday. The calls come every day - several times per day.

As to this card, I was late and a 29.9% interest rate was applied in arrears. Having paid what was requested the next bill had a minimum payment that was just short putting me back over the limit. I do not dispute that I owe this - I am sure that there was some fine print on the tiny insert that allows this - I did read them because I had trusted Citibank as an institution. With that aside I believe that both Colorado Law and Federal requires them to cease the phone calls if I tell them to. I am experiencing economic loss and psychological damage. I am nervous and on edge constantly.

I paid off my balance on my CitiCard in February 2010, which was around $5000. Luckily, I have the mint.com service, which reminds me of upcoming payments and bills. I received a reminder to my email that I had a bill due to Citicards. I thought "why, I paid off that statement last month!". When I logged onto the Citicard site, a notice appeared in red at the top of the site saying the account was closed at the card holder's request. But there were $76.80 worth of charges.

I clicked that month's statement to find out what the charges could be (I hadn't charged anything else to the card). It was all interest, apparently residual interest. Not all credit card companies to this, but apparently, Citibank has to stick it to you one more time even when you pay the "full" balance. It isn't actually the final amount. They come in and add some additional interest to the amount that you have already paid off. Now that is a practice that really stinks worse than their lousy interest rates. With this move, Citi has made me a Chase customer for life.

Their interest rates are far more reasonable for someone with my high credit rating, and their reward programs are unbeatable. There was no economic or physical damage, other than the potential that I could have missed the payment since I thought I had paid the final amount. It is a very deceptive practice to add this residual interest after a customer pays in full.

My Feb 2010 statement was incorrect. The balance on my statement did not correspond with the balance showing online in my account. I have no transactions/activity pending and I verified all the activity against past statements to ensure this wasn't a charge I missed.

I called customer service and the person online tried to give me an explanation that the charge was 'written off'. I then said, "Why would you just write off a 'credit' in my account?" She then tried to say it was from a charge in January (only because the amount happened to be the same). I then advised that the charge she was talking about had hit my Jan 2010 statement. And "why" would it be charged again on the Feb statement. She then put me on hold and the next person on the line was the Supervisor (I guess because the rep couldn't answer the error?).

The Supervisor then tried to tell me that Citi had gone through many changes, and updates to their system due to the new federal laws and the data on my statement (the credit balance I was showing) was an error. I then asked if this was a firm wide system outage, why wasn't there a notification on the website or an email sent to clients? He then said, "because no customers have asked". So, what you mean is you won't do anything proactive until customers "advise Citi" that their information is flawed?

I then asked him to provide me with a corrected statement. He said he didn't know if he could, which leads me to believe that his explanation as to the cause of the error is probably not 100% truthful. What this supervisor didn't anticipate was being on the line with a client who was well versed in this industry, as I have worked in the Financial Services industry for 10+ years. I then said, "Legally you are required to provide me with an 'accurate' statement." He then replied that he would send one out and I should receive it in 7-10 business days.

Warning to all: Be very aware of all activity on your Citi accounts, as they have been pulling a lot of changes in the past 2-3 months. They more than doubled my rates on two cards, without notice, advising that they sent a letter. My account is set up for automatic paperless statements, so why would they mail a paper document to me (which I did not receive; I "only" received a copy "after" I called to complain about the rate)? I have never been late or over the limit. They proceeded to apply this inflated rate to my existing balances rather than applying it to future balances. I paid the balance off, to avoid the insane 29.99% rate, then they reduced my credit limit from 18k to 2k stating that 'per my credit report' they needed to do this. My credit scores are in good shape. In fact, they are much higher than when Citi first gave me the 18k limit over 5 years ago. Citi clients "beware". Watch everything on your statements/accounts or you will get hit hard. This now applies to clients in Good Standing as opposed to delinquent accounts. I have paid off the balances and am ending my 7+ year relationship with Citi.

The increased APR changed my rate nearly 300% resulting in interest increases over $500 per month (that is an additional $6000 per year). It also increased my minimum payment from approximately $250/month to $900/month. The only alternative Citi provided was "freezing my rates" and then they would treat the balance as a loan and in my case, the minimum monthly payment due would have been even higher than leaving it at the inflated APR. They also advised that the card would be reported as "closed". When I asked how that would reflect on my credit scores/report, they advised that they were "not" credit experts and could not give me that information. I asked, "yes, but aren't you the ones that will be reporting this to the reporting agencies?" They said "yes" and I said, "well, then you should be the ones to tell me how you will be reporting my account". They continued to tell me they could "not" give me this information.

My wife and my self both have Citi Advantage credit cards. We are small business owners. Our credit score is flawless--we've never been late--and we use the cards for business travel. This means we spend some $4000 a month on the credit cards, which we pay immediately once we are reimbursed by our customers.

Citi contacted us to tell us that they were almost duplicating our APRs on the credit cards. We obviously and forcefully complained, but their reply was simple: In order for Citi to continue doing credit card retail business, they must raise APRs. Simple as that. Even if this is true, why are we responsible for that? Why do we have to pay for Citi's mistakes? Plus, they've received a lot of money, our tax money. So it seems we are paying twice: with our bailout money, and now with the APR increase.

This is total nonsense; big business continues to win and middle America continues to lose. Citi conveniently raised APRs before the new rules in the credit card business came into effect in January. Our APR was conveniently raised on December 31, 2009. This is a joke and an insult, not only to my family but to the US Government. Not only that, but the US Government is so naive that they now claim they've fixed the industry, which is a joke. This is proof that big banks continue to do whatever they please and only think about their bottom line and not about their customers.

For the past 10 years, I have been a CitiCard customer. We have had no missing payments or problems with our card at all. I regularly call in to customer service (every 6 months or so) and negotiate the lowest interest rate available and was very happy with my fixed 9.9% that I had received with my last negotiation. However, the company decided to change the terms of our card anyways and raise the interest to 26.74% plus prime which put my rate at 29.99%!

They claimed that they sent me written notification and gave me 60 days to reply and that the time to dispute the changes to the terms had passed. While I claimed that I never received any notification, I was requesting they close my account and revert back to the original interest rate. It seems like a simple request, since no new charges have been made to the account since the terms have changed. I was told that it was too bad and that there was nothing that could be done.

I know that congress has passed legislation to stop these companies from doing this, and so do they. The "spirit" of this law is that it is morally wrong for them to charge exorbitantly high rates to the very people who bailed them out of near bankruptcy recently. The problem is that these companies know this too. And they have the attorneys on the payroll to find the loopholes to get around the legislation.

It does not take a very strong moral compass to figure out that if there are laws prohibiting something from happening, then it is probably wrong in the first place! How can they not see that the majority of Americans felt that companies should not be able to do this kind of thing to their customers? And if they do see it, then how can they still go through with these kinds of business practices?

CitiCard is the epitome of the corrupt big business that does not care about their customer--only the profit they can provide! I am appalled at the way my husband and I, loyal customers for years, have been treated! I will tell everyone I know how intrinsically evil this company really is!

I've had CitiCard credit card for a few years now. Recently, they have raised the interest rate on me. I've never been late on a payment, or gone over my limit. I called about this issue, and was told there's nothing I can do. I talked to three customer service managers, and they all said the same thing. In my mind, something has to be done here. I would never recommend this card to anyone. This is causing me to pay more than I can afford to pay.

I opened my last statement and noticed my APR went from 10% to 29.99%. I immediately called Citi and was told they had sent a letter out. I never received a letter. I even went back through all my mail for the last two months and found no letter. We all knew the new law was coming and were expecting some notification. When I asked if they could please lower my APR back to what it was, I was told they "had nothing to offer at this time".

I have never been late and have always paid over my minimum payment. I am trying to desperately get out of debt while these large corporations continue to rape the American public while they make their millions of dollars and collect their bonus. My wish is they all collapse and go under. My credit union would never treat me this way. I am getting closer to entertain the idea to file bankrupt.

CitiCard contacted me in regards to a credit card account that I closed. They told me if I re-opened the account, they will lower my APR and raise my credit line. I agreed to re-open the account and after making my payments, I was asked to do I call to confirm our arrangement. They informed me that everything was fine and it takes two business days to take effect. After the fourth day, I called to inquire. I was told that the whole situation was a mistake and instead of raising my credit line, they decreased it. The whole thing seems like a scam. They also informed me that everyone I spoke to at CitiCard was wrong and that it was ludicrous for me to believe that they were going to raise my credit line. I feel as if I was betrayed I was lied to then spoken down to as if I was the one who had made a mistake.

My Citi Card MasterCard was due to expire in Jan. 2010. By the end of the month, I had not received my new, updated card, so I called them. I was told it was sent out in December. Who knows where it ended up? So I asked to close the account and get a new number. Instead of getting one new card with a new account number in the mail, I received two cards and you guessed it, one card had my old account number on it. So I called to ask why and was told, "It's still good. You can use it." I told them that I had closed the account but was re-assured that both card were good. But when I tried to use the card, it did not work. (Surprise, surprise) So I called again and asked what the problem was. And again, the card that did not work was activated.

Smelling a rat, I tried it again and guess what, it still did not work! One more call and this time, I ended up with an employee with attitude to spare. If I could have, I would have reached through the phone to choke him! I was told, "Once the account is closed, we cannot re-activate it..." So why was I told that the old card was still good? Pretty clear that someone on their end made a major screw up and no one would admit it. Being talked to like I'm an idiot appeals to me not, so I voiced my disgust in a few chosen words and hung up.

I have three Citi Bank cards. I always paid on time for over 10 years. Between this month and the last, my payments which have been mailed 14 days in advance have failed to reach Citi Bank in time for the payment due date. Let me restate, this has never happened before in 10 years, even if I mailed 7 days before the due date. My interest rate went to the highest they could possibly charge me.

As of today, I just called on the third card and guess what, the payment has not been received yet! The payment was due on 2/22 and the new laws went into effect 2/22. One mistake is possible, but not 3 times! Just a side note, I took these payment personally into the post office for delivery. I called Citi Bank on one of the payments that was sent out three weeks early. They said they had not received it. Guess what, the payment was posted within hours of my call. I'm just sick about the whole thing! I canceled the cards.

I have had my CitiCard for many years. I have paid off my balances in full without help from other services. I have been on time for some time now and yet my interest rate is 29.9%. I paid them off again and will not be using their card.

I have been a customer of Citicards for years. I have a high balance but I have never missed a payment nor have I ever been late. Never. I always pay more than the minimum. Throughout the last few years, I can renegotiate a better interest rate with them. I had an interest rate of 7.9%. Last summer, they raised it to nearly 18%. I never got a satisfactory answer, except that they are "doing it across the board."

I was able to speak with someone there and they told me I could go on a "repayment plan" at a lower temporary interest rate, but that I would not be able to use the card. That was fine because I hadn't used the card in almost two years. But they act like they are doing you a favor. I have never missed a payment or been late! And when my temporary interest rate is up it is going to be increased to almost 20% again. I was told (not by them) that they increased interest rates across the board before the new legislation could be passed that bars them from doing this to people. But for people like me, it is too late.

Also, I never received an offer to opt out. I have two other credit cards that raised my interest rate but allowed me to opt out at the rate I currently held. Citicards never gave me that option. I am so angry that I am thinking of organizing to have this practice looked into. I would advise everyone never to use Citicards or subsidiaries. They intend to keep their customers in debt anyway possible. I have gotten a second job, but all my extra money will be going to them and for the extra interest. I work from 9 am to 11 at night, which is fine, but I will never be able to save any money if they keep that interest rate high. What they are doing should be illegal.

I have been a loyal customer for over 20 years. This is the first card I ever had. Signed up for it in college. I have always paid bills on time and over the amount due. Way over on all my cards which has given me outstanding credit scores. I pay online now for the convenience but still get bills through the mail. In Dec 09 and Jan 10, my payments were late. I couldn't figure out why I was getting late on my payments. Then started to realize that I wasn't receiving them as early as I used to.

Thought it was me screwing up, so I called and asked them to extend the due date out further in the month. They assured me that statement is always sent out so you have 25 days or so to make payment. Well, here it is Feb 17th just got my bill and due on Mar 3. That's 13 days only 9 of which are "business"days. To add insult to injury, now they are going to charge $60 a year to use this card and jack the rate up to %20. All this after using my tax money to bail their ass out. ** those greedy sons of **. I am canceling this card. They're playing around with due dates and such so you miss payments so they can hit you with late payments and higher interest rates. It's called racketeering. I guess it's legal when you're as big as they are.

I do not have a credit card with CitiCard but our grandson does and he hasn't been paying his bill due to not having a job. He has one now and is trying to get caught up with his bills. CitiCard is calling us at all hours. Last night at 8:45 pm, they called .I have given them his cellphone number and they are still calling us at all hours. What can I do about stopping this?

I originally got a promotional offer in the mail for zero interest on any transfers for a year. Which I took them up on the offer and transferred one of my balance to this card. I got this card like in July and in the month of September, I was late and they charged me an interest fee. Which was fine. I was late, but I do have excellent credit. It was just one of those things that I failed to mail with enough time. Well in the month of January, I received my balance with added interest. When I called and told them I was on an no interest for a year, they said since I broke the agreement of being late, the offer was no longer valid. I said why didn't they tell me sooner. They also said they had mailed something to me telling me I had to reply so the interest wouldn't go up. Which I never received. I said fine, I will pay off the balance, because I was not going to pay 25.99% and I would be mailing out the payment to pay off the account. I mailed off my check with the full amount paid of 3,378.45 (the 78.45) was the interest. I was upset that they wouldn't work with me and try to keep me satisfied, so I wrote a letter asking them to close my account.

The following month (Feb), I received another statement. I was expecting to see zero balance, instead I had another charge of 48.89. I was upset again. I called and said what was this for. I had already paid the balance and interest and they had received it on time. The rep said it was the interest that carried over until they had received payment. I said your rep didn't say that, and she said "no, they can't disclose that information cause they don't know how much interest it will be". I said she could have warned me and told me this was going to happen. I Would have sent a check overnight to avoid more charges. I was so upset and they said they couldn't do anything about it. I said when is it going to stop, are you going to charge me interest on this 48.89 until you receive this payment. I told them it was wrong what they were doing. They failed to disclose this information. I refused to do business with CitiCard and want others to be aware!

Been with Citi since 2001, nine years. This was one of the first cc I've ever received. After nine years, Citi up and decided to boost the 5.9% APR I had worked so hard to attain over the years to 14.99%. Wow. No reason why. Explanation I received from CitiBank was "Times they are a changin'.'' Oh, really? I refuse the change in terms. Just goes to show you loyalty means absolutely nothing with this bank.

From reading the other complaints, I guess that mine is petty and minor in comparison. However, I too am very frustrated with the lack of any understanding of human nature with which Citigroup conducts its business. Treating people like revenue-resource cattle appears to be the "modus operandi". It certainly does not value loyalty and customer goodwill. Yes, I was eight days past due in making a $1,000 payment for a minimum due amount of $57.41 but to sock me with a $39 penalty, plus jacking the interest from 9.59% to 25.99% as a consequence is a bit too much, in my opinion. Their response is along the lines of being willing to negotiate a different rate if I do their will for 12 consecutive months. Guess I should stick around and count on their goodwill and understanding in 11 months, huh? Too late, I opted out.

I called the number, 1-800-9505114, and they transferred me to their protection department. They asked my information and told me that they will review my case and notify me after six to eight weeks. I told them that I never signed any documents or verbally agreed with anyone. So why are they charging me every month? They sent me a letter from a customer service representative, denying the charges.

Citigroup calls our home constantly. After a few seconds, the line goes dead and we get a dial tone. When (rarely) a person is on the end of the line, they will refuse to give a call back number. My wife is the POA for her mother and the accounts are in her mother's name. Citigroup refuses to accept payments from us. They accepted payment on one account this morning yet refused to accept one on another account at the same time (same phone call).

Her balance is minimal at this time as her mother is in a skilled care facility and went in with a very minimal balance to begin with. We would like to pay off the balances and they won't let us. Our caller I.D. says Citigroup with a phone number that is not apparently real as it is a "dead link." Time. My wife and I have spent hours on the phone with these people trying to pay the bills. They refuse to accept payments or discuss the accounts.

I am a few months behind on my loan. However, I have been making consecutive monthly payments. I just have not been able to catch up the past due. They call me numerous times throughout the day. They recently called my mother-in-law who I suppose was listed as a reference on the loan and told her that they had something that they could work out with us to get caught up. My husband called them and was told that they could not transfer him to the person that had called, and that they did not have any help for us.

Less than a week after he talked to them, they called my neighbor who's name I don't even know much less his phone number and told him that we had given permission for them to call him. We called Citi Auto and asked where they got the information to call him and they would not tell us. My husband asked to speak to a manager and was told that they don't speak to the customers. He told them if they didn't want to speak to us then maybe they would speak to our lawyer and they said that they guessed we should have our lawyer call then.

Why would they seek out any random neighbor of mine to have me call them when I had just talked to them less than a week prior and told them my situation? This has to be harassment and an invasion of my privacy. One has to wonder how many of my other neighbors they called that I don't know about.

I've held a Citi Platinum Select MC for over two decades. Recently, as the credit crunch and economical pressures mount for both consumers and corporations alike, strong-arm tactics are being used by the same companies who hail their customers preferred ones. Citi failed to mail me a replacement card ; luckily it was pointed out to by a vendor that the card will expire the following day. I called the next day and asked why a replacement card was not mailed to me. The rep told me it was due to the account's inactivity which was a lie; I had and still have an outstanding transaction early Jan; the call was made on the 31st . He later, after he was caught in a fib, explained that he did not see the transaction listed on the account.

Mind you, only after I told him that the call was being recorded and I intend to file a formal complaint with my state's Attorney General office that he backpedaled. He quickly stated that a new card will be mailed to me that same day; and expect to receive it in the next four to ten days. Had I not called, Citi would have cancelled the card through no fault of mine after over a twenty year pristine record, ust because I don't fit into Citi ideal customer: I have over $12 k credit line and pay my revolving balance before the billing cycle begins, resulting in paying them zero (0) interest rate or finance charge.

That was my stance after they sent me a letter increasing my APR, beating them at their own game and I told them exactly that during a highly heated phone conversation months prior. I was marked as a customer. Irrespective of my perfect record and lengthy business relationship, Citi would have put a huge dent in my credit rating using unethical ploys and tactics to bully its customers, the same ones they milk for decades before the credit bubble burst.To be continued. I haven't received the card yet, therefore I do not know what they have up their sleeves.But, the caveat to all is, buyers beware!

Whenever I receive my credit card statement, it only leaves me with less than a week to get my payment in. If I'm late, it is a $39 fee. My statement period ended on 1/11/10 and I didn't receive my statement until 1/30/10, and the payment due date was 2/5/10. When I spoke to the customer service supervisor (Leslie), he told me that by law they only have to have the billing date 25 days after the end of the billing date. Leslie also told me that they send the statement out on the day that the statement ends which was 1/11/10. So basically it took them 19 days to get me my statement, but when I immediately sent out my payment they received it in 2 days (2/2/10).

Now I have been working for the Post Office for over 22 years, and I have a good idea how long it takes for a first class letter to reach its destination. It's usually 2-3 days across states, but never over a week. I continually receive my statement around 18-20 days after the end of the billing. I know that they are doing this to generate late fee income, and I'm sure that what they are doing is illegal, as they generate millions of dollars in late fees and increased APR's up to 29.99%. Could you please look into this matter, as I'm sure that many other consumers are being taken advantage of. Thank you.

Citi card raised my rate from 16.99% to 29.99% for no reason at all. I called them to find out why, and all they could tell me is that they raised it because they needed more money from their customers. They kept trying to tell me that they had sent me a letter about how they would be raising rates, but I never received such notification. I have never been late, never missed a payment, etc. I find this very disturbing that a company can do this whenever they please to just nail people to get more money, because they simply want to. What a way to use our economic stimulus money that we as taxpayers gave them, to raise rates on the consumer. I will have to find a way to find a way to pay off the balance, because I can't afford to be paying more interest than I already had before.

I called Citibank Card member Services on February 2, 2010 to find out how to deal with a problem I've had with a Sears Credit Card that is issued by Citibank. After I had been on hold for several minutes, I was disconnected. I redialed and was connected to another customer service representative who did not identify herself nor did she give me a chance to explain why I was calling and only responded by saying that she does not handle Sears Credit Card calls. I repeated again my reasons for calling and told her that she didn't hear my question yet. She then proceeded to hang up the phone. This call was made between 5:45 and 6:00 pm (EST) on the date above and I believe was recorded. Needless to say, I am quite frustrated.

This is the reason why I called customer service. I went to pay my Sears credit card bill online when I innocently entered an incorrect account number. I went back and edited the account number and it seemed to have gone through for processing. I was never contacted by Citibank and/or Sears via telephone and/or letter stating that an input error occurred and a payment to Sears was not completed. I was first made aware of the error when I received an email from Citibank stating I would be charged $39 fee for a return check.

I didn't know my Sears bill wasn't paid until I received the next month's bill. I received a letter from Citibank stating I should call the 866 number to discuss my issue. Instead of a customer service representative assisting with my main issue (waiving the $39 fee), I encountered two (2) uncooperative customer service representatives. Sears also informs me that I cannot use their online services for 60 days due this error which is a great inconvenience for me

I'm here to complain just as Phyllis of Amarillo did. I have been a Citi cardholder for over 10 years. My credit rating is above average. I use this card infrequently and pay all of my invoices in full and on time. However, in January 2010, I received an invoice from Citicard informing me that my account was "past due" 30-60 days. So I called them to say that I never received my December 2009 invoice and requested that they send me one showing an itemization of what was charged. In the meantime, I immediately mailed them a check for the full amount they showed as past due, which included late fees and interest.

Two weeks after they cashed my check, which brought my account to a zero balance, I received a phone call informing me that they have reduced my credit limit and increased my interest rate. When calling Citicard's customer "no" service, I spoke with 3 different people --none of whom had any respect for the fact that I have been a very good client of Citicard for probably longer than they've been working! The fact that I never received an invoice from them had no impact. I too am canceling and returning my torn up credit card.

I hope that if this is the way they treat their longtime, pay in full cardholders, that all they end up with are the deadbeats. Perhaps the next time they need a bailout, the government will by then be out of that business! When applying for any other credit card, I too will inquire as to whether Citicard is involved in any way and if they are, I will look somewhere else. No thank you Citi!

On January 30, 2010, I received a letter from Citi Cards that has my address wrong but found it's way to me by the hands of a conscientious postman. Inside the letter, I found a replacement card for my account ending in **. The letter stated that because my "account number may have been illegally obtained as a result of a merchant database compromise," I was receiving a new card with a new account number.

To be quite clear, I was alarmed at getting a second replacement card from Citi in just one year combined with an obvious address change without my authorization or consent. While speaking with agent (ID number JG2251), I was informed that at some point, I must have called to change my address, because no one else is authorized to do so. I never called to change my address and insisted that I be connected to the Security and Fraud Department at once!

The agent put me on hold, and a few minutes later, she came back on the line and informed me that it was not a security issue at all, and they would not talk to me because, as it happened, my address was automatically changed in November 2009 by the CitiI mail verification department without my authorization. I was outraged that she would not connect me, as I had clearly asked and insisted that I be connected with an American supervisor.

I was connected to agent (ID number DB1372), who said that he was sorry for the misinformation from the first agent about the change of address issue and missing statement (January 13), and furthermore, he was also sorry for the second merchant database compromise in one year but that "these things happen" and that he had no control over it. His being "sorry" doesn't mean anything, if the security of my account is repeatedly compromised and the Citi computer goes off changing my address at will to an address that is not accurate.

Supposedly, there was a statement mailed January 13 that I didn't receive, and I am positive it was because of the mistaken address. Thankfully, there was no payment due. However, if I was late with a payment and had begun to incur fees or worse been reported to the credit agencies for non-payment as a result of the Citi mail verification department and its mistakes, there would be no amount of "sorries" in the world to fix the decade-lasting damage inflicted on my credit.

To be honest, I don't understand why my American Express account, which I've also had for a decade, has never changed my address without my consent or reissued me any new cards as a result of "merchant database compromises." Whatever the case may be regarding Citi card services as representing the most diverse array of products and having the greatest distribution capacity of any financial firm in the world, Citi is making mistakes and other card companies aren't. Why is that?

As a justifiably concerned customer with an active Citi card for the past 16 years, I feel that Citi has lost sight of the underlying value of customer service, security, and accuracy. Customer service agents that blame customers for account changes that are clearly not their fault, supervisors who only know the word sorry, mail verification departments that make clear mistakes, and multiple merchant database compromises resonate with customers like my self in total brand devaluation, lasting security concerns, and resentment.

If customer loyalty is reciprocated by Citi with the aforementioned issues, I am no longer interested in being part of the Citi card services. I rather give my business to another company that can keep its accounts safe, mailing addresses accurate, and has agents who work toward mutual resolution versus accusation and apologies.

Self-examination and correction are hard for individuals and near impossible for pre-eminent financial services companies with 350,000 employees like Citi. The growing incompetence of Citi Card Services is unacceptable, and they need to know, so actions can be taken to fix this negative trend. Citi needs people who can think outside the confines of "automated systems" and concentrate on real answers and fewer apologies. I expect results, not regrets, from a credit card company.

I have contacted the Customer Complaint department and Mr. Vikram **, Chief Executive Officer, Director and Member of Executive Committee for Citigroup, Inc., asking for an explanation and resolution to this issue. Until then, I will not use the credit card or any Citi products or services.

I have a great credit score and they lowered my amount of credit from $15,000 to the amount I owed, which is $4,900. This will effect my credit score and also render the card useless. T his was done without any warning and for no apparent reason.

This will render my credit a 100% ratio/debt, instead of the 30% I had. My credit score will suffer severely and so will my borrowing.

Rate raised to 29.99 without notice, was told that a notice was sent in the mail -- it was never received. Never missed payment, we have disputed late fees, disputed raised rate, disputed finance charges. We get nothing but rude, unhelpful representatives on the phone. Can no longer make online payments as they demand that we make a payment plan or pay their requested minimum even though we continue to dispute.

We continue to pay monthly what our monthly payment was prior to them raising rate without notice and us disputing, even though they have made the option impossible online. Payments over the phone are demanded to be made as the "minimum amount due" (with a charge of $14, too). We are now forced to mail in our good faith payments as the only way they seem to accept our payments (unless it's what they demand with us paying a payment plan we still cannot afford nor do we agree with).

Can't figure out how to fix this. Waiting on the Better Business Bureau to respond regarding our complaint. Our balance due has risen drastically, late payments charges continue, finance charges are astronomical, and now with all these we are surprised over limit which now has caused yet another fee. We dispute all of these! This was not caused by fault on our part! This is a scam and is causing sleepless nights, frustration over what to do, and serious research into what can be done. We are sickened by all the complaints about these same issues in newspapers, on the web, in everyday conversation with others. Do we have no recourse? Must we be forced to pay outlandish charges, be forced to joint a payment plan when we dispute what they are doing just because they can do this?

I have been a credit card holder since 1997 and I am outraged at how I am being charged with astronomical interest for my $14,000 balance on a $25,000 account. Initially, I had an interest rate of 11.94%. Then, late last year, they hiked it up to 29.99% for no reason at all. I had made numerous calls, wrote emails regarding this issue, and I asked if they could lower my rate, as I have been a good paying customer. The only reply they had was that it was a decision made upon the financial environment that the company is in. I don't recall ever having notified of the increase in rates through mail. And when I asked them if they can lower it to the original rate and close the account, they refuse to do so and they said I have to do payments at the current interest rate. How are they going to expect the consumers to keep up with the interests when the minimum payment is $525.00?

I am looking for answers as to how the Card Act would impact interest rates currently at 29.99%. Is it going to mandate them to lower it to a decent rate? Would they ever cap interest rates just like they did in 1978? Please let me know if I have any options in dealing with Citicard Company. I am so betrayed with how they treated me with this whole thing. As a result of this, my budget which has been tight to begin with is largely affected and I have to work more than I can usually take up, nonstop, so I can meet other credit card bills which are locked at single digit rates. I am divorced and has a son who I have sole custody and it is hard to make ends meet when the credit card companies are killing us with these hikes in interest rates. If I took care of my payments for 13 years, don't I deserve some credit for that? Because of this, I can't sleep well and my stress level is through the roof just thinking of ways to get out of this situation. If I had the capacity to transfer out of this card, I would but then, I don't have any that would be sufficient to cover the full balance. I tried lending tree to at least loan for the amount above at a lower rate but they too haven't been helpful at all.

My credit card was raised from an 11% interest rate to a 29.99% rate without my knowledge. I called the company and they said they sent out a notice in October and that they could not do anything about the issue now. I have been a customer with this company since 2005 and has never been late on my payments. I don't ever send the minimum payment, I send more every month. I told them that they should have taken the time to send this notices certified mail to make sure that the people got that notice, then if the people didn't respond that would be on them. To just assume the customer got the notice is wrong. I don't think anyone in their right mind wouldn't agree to close the account and keep the interest rate of 11%. This is what the notice was supposed to have said. I am now paying 300 a month just for interest and about 50 towards principle.

CitiCard has raised my APR from 9.99% to 29.99% for no reason. I make more double of minimum payment every month. The only explanation they have is, "we change our terms". So they meant that's the way it is. Now, my minimum payment is high and I cannot afford it anymore because I'm trying to pay off my bills. I wish I didn't have credit card at all.

I have been a Citi card holder for years. Never missed a payment. Always paid more then the minimum due and have two cards with them. Recently, I got a letter stating they were raising my interest rate from 7% to 29.9%. The reason I was given was that they are being charged more to get the money to load to people so they are simply passing on the increase. This is a total lie as the rate the feds charge has not been this low since the 1930's. So how are they paying out more to get money to loan people? Oh yeah, lets not forget about the multimillion bonus they paid their CEO. That is why they are raising people's rates. What can we do about this? The increased rate will more then triple my monthly payment. I am going to opt out and cancel all my remaining account with this bank.

For the past year, I have been in a payment arrangement with Citicards, to the amount of $164. This has been automatically taken from my checking account. On January 8, the regular ($164) amount was taken out. A few days later, I deposited my tax refund. On January 20, Citicards arbitrarily deducted an additional $2,254 to pay off the account. This was not authorized and it caused my other bills (for which I was dependent on the tax refund) to bounce. They refused to acknowledge their mistake, and after four phone calls, I spoke with someone who promised that they would refund the money electronically. That never happened.

I have been a customer with Citibank MasterCard for 11 years. I have never been late with a payment and they for no reason upped my APR from 18 to 29.99%. I am very upset. I have called and no one will explain why.

I saw on my statement that my APR has jumped to 29.99%. After calling Citi, the only response they could offer is the banks had decided this is how they should do it. When asked how my records were, I was told I was in good standing for 9 years and still they could not offer me any more reasoning except the "banks have decided to raise the interest rates". I informed them since my account was in good standing, I would not be paying that amount since no mention of it had been made before and they said "it had been sent" but I had received no record of this phantom mail. I would like to know exactly what my options are with Citi Group. Since they didn't mail anything, can I say to them "I sent the check in the mail, you should have gotten it" without any problems on my credit report?

They have changed my APR and they are lying that they had already sent me a letter regarding a change in APR or to opt out. I got all my mails except theirs and it's the same thing with my friend. When I called Citi, they are lying that they have already sent it to me and I have to talk to my mailman. Is my mailman skipping just the mails from Citi? They told me the same thing for 2 Citi accounts. How is it possible that I miss only 2 different Citi mails and I receive everything else? Can I complain against this issue? If so, to whom should I complain?

I am very much disturbed mentally. I am having a hard time to make my minimum payments. How can I afford to pay $29.99 from 13% APR when I did not do any mistake?

We signed up for the Conoco/Phillips gas MasterCard, have had the account for several years. I always paid the statement balance or more the day before the due date every month. I never missed a payment, paid online for several years, forgot to hit the submit button one month (November 2009) and payment did not go through. We had an $8,000 credit limit on the card.

My husband went to use his card in December 2009 for gas and the card was denied. He immediately called me and I immediately called the 800 on the back of the card to inquire as to what was going on. I was told we missed the November 2009 payment, so, I immediately made a payment over the telephone. Then in January, I received a letter from CitiCard, I thought the Mastercard was with Conoco/Phillips. I did not realize CitiCard had anything to do with my account, if I had I never would have got the card in the first place.

The letter stated that they had dropped my credit line from $8,000 to $300. I already had a balance of $275 on the card which the payment was set up to pay on Feb 4, 2010. My credit line was dropped by $7,700 for one missed payment that was immediately paid by phone as soon as we found out about the error. I called to inquire about this and was introduced to the most rude and uncaring people I have ever done business with.

I have never been treated so rudely before. We have above average credit history and worked very hard for over 30 years to have that. We always pay our bills, overpay statement amounts on all our credit cards, have zero balances on all but one or two cards. I could not believe how a good paying customer could be treated so harshly for one missed payment. They flatly did not care one way or the other.

Last Friday, I received a call on my answering machine telling me that we had gone over our credit limit on this card. I immediately called CitiCard to inquire "Why the telephone call?" I once again was talked down to by a representative and their supervisor. I went over the same explanation with both of them and was treated worse than a criminal. They asked if I wanted to make a payment over the phone to bring the account to a zero balance.

I immediately explained to them that my payment was scheduled for February 4, 2010 and that they would not receive one penny until that date and I hung up on them. I also told them that if this is the way they treat their customers in good standing that I choose to execute my right to not do business with them ever again and hung up on them.

I will never use a CitiCard ever again, and will also immediately ask any company issuing credit cards if they deal with CitiCard and then I will tear up the application and throw it in their faces. As I was telling my daughter about this, she also had the same thing that happened to her in the past month, but this time her account was closed, without any explanation. She will also be paying off the card and cutting it up and sending it back to them with her letter of closure of account.

I think CitiBank and any of their subsidiaries need to be Federally investigated for unfair business practices. I am sure there are several laws being broken and loop holes they are squeaking through and our government bailed them out. Why did they do such a thing? Political gain, no doubt that should be investigated and borderlines on very shady business practices.

On November 4,2009, I made an online payment. On November 20,2009, I received the December 2009 billing from Citi only to discover they stated my November payment had been returned and I owed late charges of $39 plus a 10 cent finance charge. I contacted my local bank and was told that Citi had processed the account numbers wrong. I contacted Citi and was told to send a letter by fax to the Citi Front End Dept. which I did the same day. I included a letter from the bank in regards to this matter. I also sent copies by overnight mail to the Front End Dept in Des Moines and to the Tempe, Arizona Office. I did include a check for the payment of November which was clearly an error on the part of Citi processing. I had received 11 phones calls from Citi on November 20, 2009. The caller didn't leave a name or number. Most of the time they hung up.

When I was able to get through to Citi, I got a rude representative on the phone and he refused to clear the charges. I have not received any response from Citi in regards to all the documents and payments made after trying to correct Citi's errors. On December 1, 2009, I sent the normal payment due by check. Since that time, I have not received any billing statements or correspondence from them. I have been checking my mail daily and no billing statements as of this date. I contacted Citi and spoke with Rey. He informed me that I have a late charge on the January 2010 billing because I paid online when I didn't receive the January bill. I tried to inform him that since they had not sent me a bill, I was forced to make the payment at the last minute.

The confirmation I got from Citi clearly states that my payment would be credited on that date, unless it was a Federal Holiday. For Citi to say otherwise now is a contradiction to their own printed statements. It is also my understanding that you can't get a full accounting of any Citi account online. You can only make payments and see what payments have been made online. I see now online they are raising the payments. I am not quite sure why.

CitiCard increased my credit card interest and applied it to preexisting balances. They will not rectify this. I have contacted them twice now. My rate is high and the payments are so inflated. I struggle and am very stressed out about this which has direct affects on my health. Payments over $750 a month are astronomical and make it so I have to sacrifice paying other debts.

I have used my Citi Card for 12 years on larger purchases and have had balances up to $35k due to the type of work I do. I have never been late on any payments. I noticed my minimum payment went up and reviewed the bill more closely and realized they were now charging me 29% interest. Even in my early days have I never paid this much interest on a credit card! Why bother having good credit if the banks are going to screw you even harder? This should be a crime (Theft) and a class action lawsuit should be pursued by all. We, the People, loan Citi money and what do we get! The Government Loan should increase their terms on them too! Citi and the other banks should have been left for dead, this is what happens when government interferes with free markets.

They raised the interest rate on my credit card from 12% to 29.90% without notice. I have never been late or missed a payment in the 12 years the account is open. I have tried to work it out with the bank, the answers I get are insane. It is not an option to cancel the account for it will reflect on my credit score. This unethical practice should be addressed. I don't know the laws but I would have to think some notice or rate changes should be required. Please let me know if I have any rights in this matter. Thank you for your time.

I had signed up for a Citi Platinum credit card over a year ago that had an accelerated Thank You points program (3x for every dollar, 5x for gas, groceries, drug stores) and when the year was almost up, I called and asked if there was an annual fee. The rep told me no and I politely insisted that he double check. Still the answer was no. I called again a week later and asked the same question. Again the answer was no and the rep joked that he could upgrade me to a card with an annual fee if that would make me happy. I hung up feeling confident that there was no fee. When the year was up, I was charged a $125 annual fee. I called and asked if the fee could be waived (partially or entirely) and the rep said no. I told them I called twice previously and confirmed that there wasn't a fee and the rep said the previous reps probably looked at the wrong annual period. I didn't want to pay the fee and so my only choice was to cancel the card.

By this time, I had accumulated just under 50,000 Thank You points (I've been saving them up to redeem $100 gift cards) and I asked the rep what would happen to them. She said that as long as I had another Citi credit card under the Thank You network, which I did, my points would remain active, otherwise they would expire in 30 days. So this was good because I figured I'd use my other Citi card in order to reach 50,000 points and then redeem them for five $100 gift cards (10,000 points = $100).

One day, I logged into my Thank You network and saw all of my points missing. Shocked, I called Thank You and they said my points had been forfeited due to the closure of my Citi Platinum account. I immediately called Citi, told them that I was advised that my points would remain active since I had another card under the Thank You network and asked if my points could be reinstated. The rep told me that the points were in fact forfeited because I was past the 30 days period to redeem them. I then learned that due to my Citi Platinum card being a promotional" account, that having another card under the Thank You network would not keep my points active. I argued that I was not advised of this at all and the rep put in a request to a specialist to review my request for my points to be reinstated.

I later followed up and learned that my request was denied. I spoke to a senior account manager, explained the situation and all he could say was "Sorry, there's nothing I can do." As some form of "consolation," he said he's had customers who lost over 100,000 points and still there was nothing he could do. I ended the call feeling angry and betrayed.

I feel that my entire experience with Citi has been misleading. The reps were not forthcoming with all the information to allow me to make an informed decision and that me being a good, loyal customer (I've been a cardholder for over 10 years without a single late payment and I've always paid my balance off in full), was not good enough for Citi. I guess Citi doesn't want to keep a customer like me and so I plan to cancel all of my accounts once my statement closes.

After having been a member of CitiCards for over six years, I missed my first payment several months ago. A new account was used and we had moved at the same time, so I was unable to check that the payment had gone through. We used the online service, as I had for the entire time I'd been with them. The payment was never issued from the bank or they never requested it. I had never received an answer on that issue.

Once we noticed the payment had not gone through, I contacted CitiCards via telephone and spoke with several representatives, who all confirmed that a payment was not received. I had them reissue a payment from the same account that had "failed" to issue it before, and that time it cleared without a problem, only after paying $15 in "telephone payment fees."

The next week, I received a notice in my mail that CitiCards had re-evaluated my account status and cut my credit line back from $4700 to $2040, citing a "report" stating I have an rotating account with a high balance near credit limit. Ironically enough, the card that they slaughtered the credit limit would be the only card I have that is now near credit limit, having put my fiance's tuition bill of $2000 on it. After having been a member with them for over six years and two separate accounts with them who remained in excellent standing until that one mishap, a credit limit deduction of nearly 57% is both an insult and ethically questionable.

Shortly after, I was approved by my local bank for a consolidation loan, at a lower interest rate than Citi now offers me and will be closing those accounts as immediately as possible.

To make matters worse, after notifying Citi shortly after our move of our new address, a letter from "Citibank Early Warning" concerning our change of address was generated. It wasn't mailed until an entire month later to our old address with our entire credit card account number printed on the front. I understand sending a notice to the old address in case of account fraud, but writing the entire account number in plain text? The potential violation of privacy and fraud risk is simply staggering.

I would have thought that a company who has received as much in bailout money as they have would appreciate clients who have a long track record of on time payments would work with them if there was an issue. And as far as I can tell, there was no actual issue. Their online center never requested a payment from the bank but they certainly saved the new account's information and it cleared quickly and without a problem when I called them and paid the premium on their "telephone payment system." Absolutely mind-blowing. And off-topic, my captcha is "bribes." I could not think of a more appropriate description.

In July 2009, I was told by the phone agent that if I sent a credit card payment in the amount of $2800, I would be receiving a credit to my balance in the amount of $550 as part of the Payment Partner Plan. After many calls telling me I would be receiving the credit any time, they are now telling me that the plan never existed and there will be no credit applied to my balance. This seems like a scam to get customers to send in large payments.

I disputed a charge with Citi. After five months, they rejected it because the dispute did not meet their "rules." Here is the terrible experience at Denali Alaska Back Country Lodge that gave birth to the dispute.

The experience at Back Country Lodge fell far short of expectations based on representations of the Web site and in discussions with Denali Tours representatives. This complaint is not delivered lightly. I have over 30 years of experience in hotels and the hospitality industry. There were nine other couples and families who told me of their disappointment as well. None of them will recommend Back Country Lodge to friends and family. Denali Tours needs to re-evaluate its operations. Details of my complaint follow.

Schedule - This is the first resort I've heard of that requires you to book three nights to have two days. Although I was encouraged to book a fourth night at the companies Denali Cabins at the entrance to the park, I was never told that other buses would be allowed in earlier. If you book at BCL, you are not given the option of taking the early bus in or the mid-day bus out--these are reserved for the day visitor (who paid a fraction of one night's charge). So you arrive at 8 pm and depart at 6 am. The only reason I could determine for this lack of flexibility is to save the cost of a lunch! As you will see under the comments on food, this would be a small cost to the owner. Denali Tours will say that the bus times are due to the train schedules but why not let those who choose, come in on the day visitor bus?

Accommodations - To say that the cabin is Spartan is not an exaggeration. I have seen more amenities at a Motel 6! There was no shampoo, conditioner or body lotion. The shower dispenser didn't even have soap--for two nights. And then, of course, we had to leave at 6 am.

Program - Probably the area of biggest disappointment because the Web site and reservations agent pitched it the most. Upon arrival on our first night, we were advised that extra activities were scheduled for the next afternoon since all of the morning hikes had already been booked by in-house guests. There was no mention of what we might do in the morning. Hikes were advertised as casual, moderate and challenging. All hikes were to be escorted by a naturalist. No challenging hikes were offered. I was told that I would have to recruit three other hikers before they would consider it.

When I asked the head guide for a recommendation for a more strenuous hike, he gave me a map that had few details. When I asked how to find the trailhead, he pointed to the building next door and said, "It's just beyond that building." That would have been true if I were a crow. To actually walk to the trailhead, I had to go the other direction to reach the road which .7 mile later would reach the trailhead. When I asked about what wildlife we might see in the area, I was told, "There's not much wildlife at this elevation. What you saw on the ride in is pretty much what you can count on." That is not what I had been led to believe. I did not pay $800 per night to do self-guided hikes with little hope of seeing wildlife.

Customer Service - I have received your explanation of the denial of my dispute. As stated in your letter of October 22, "Since I chose to use the service provided by the merchant despite the lodge condition, they deserve to be paid." Let me explain this situation further so you will understand why I had no choice but to stay at the lodge despite the conditions. Denali Back Country Lodge is located at the edge of Denali National Park. The only way to the lodge is a five-hour bus ride through the park. There is no other transportation available from the lodge other than that provided by the lodge according to the driver and the staff at the lodge.

With no practical alternative available, I had to stay at the lodge. Please note that I did not dispute the entire charge. I am being very reasonable in disputing $1,000, aware that I did receive services from the lodge although they were not as advertised and promised. Since I had no alternative but to stay at the lodge as I was held "captive" due to their control of the transportation, I ask that you re-evaluate my dispute on this basis. Should you wish confirmation of the conditions as stated in my dispute, I suggest you read the comments from around the same time period on TripAdvisor.

Citi has again rejected my complaint because it involves a dispute over "quality of services." This is five months into the dispute. By the way, their Web site asks whether the dispute is over goods or services. Why ask if you don't care? I'm sending them my two cards--in pieces. It is the only way for us consumers to be heard!

I have been charged $39 late fee on my Master Card, saying it was late and it wasn't what can I do about it. I have been trying to get it paid off but at this rate, the more I paid the higher it gets. The way they are going to increase my APR to 29.99, that is terrible. I am retired and my husband has had a stroke. I am having a hard time.

My recent CitiCard account interest rate went from 11.9% to 16.9% to 29.99% in one month. I got a "notice" in October about either the rate going up or the account closing. When the account closes, it affects your credit rating. Even so, I thought about it and I sent the paper opting out. Then my rate went up. Without explanation, they changed my payment day, say I make 2 late payments, and that they don't get my letter. When I tried to negotiate with the company, I was bumped from person to person, all of whom professed the inability to change anything.

I was finally told to go to a "credit counselor" or take out a loan over my house or make payment arrangements to pay off the loan. But surprise, surprise. I don't qualify for payment arrangement because of my good standards with CitiCard. So they told me not to pay CitiCard for 2 months. And they called again. CitiCard want to get more money that is possible before February (with the new rules applied).

And no longer they can do what they will with us. it will be great if we, customers, can't show CitiCard to be more professional. In this economy, if a customer make the payment each month, they need to appreciate. But again, they prefer to get 1 cent of a dollar from a collection agency that works with customers. If someone wants to sue CitiCards, they have my signature.

Citi should be investigated big time if we can get through this financial depression. I have been a loyal customer of Citi Bank for almost 8 years. I made a late payment last October 2009 by accident. I pay online and they had changed the due date on me, so I missed my payment by two days. I contacted a rep and was told that the billing goes out for my MC 20-25 days, so they can change the due date whenever necessary. So after that incident, I have two late payment warnings on both of my accounts.

Fast forward to January 2010, I made a payment before 5 pm PT. When I authorized my payment, I noticed that my payment would be posted on the 18th, which is how I believe I got screwed for a late payment the last time. After talking to a rep, I was told that the payments must be in before 5 pm ET. It's so unfair because I am on PT time but I am never late with my payments. I was told that they would waive the $39 late fee so I am hoping that they won't raise my APR. I'm already at 24% and I am threatened with a 5% hike making it 29%.

I feel like the people that make their payments on time are getting screwed big time. I would love to cancel out my cards once paid off but then you get threatened with a weak credit score. So it's a double whammy. I did however tell the rep that if I see a fee or a percentage hike on my next billing I was going to raise hell, although we know Citibank doesn't give a damn.

My recent Citi Card account interest rate went from 16.9% to 29.99% in one month. I had apparently gotten a "notice" in October about either the rate going up or the account closing. When the account closes, it affects your credit rating, so I thought about it, but thought too long and the rate went up. When I tried to negotiate with the company, I was bumped from person to person, all of whom professed their inability to change anything. I was finally told to go to a "credit counselor" or take out a loan to pay off the loan. As soon as is possible, I will take out a regular loan and pay off all of the Citi Cards that I have (3) and never, ever use them again!

So far I have been able to pay their minimum balance plus a bit more, but with my husband is out of work and it is getting harder to do that.

We received our new bill for the month of Jan 2010 and came to find out Citibank is charging us 29.90% interest. I have paid this bill on time and when we contacted them to get a reduction on the interest rate, they would not approve based on a letter that was sent out in Oct 2009. This company is not a good company to deal with. I will tell everyone I know about this. The result is on a $2567.00 bill, only about $65.00 is going to interest and about $10.00 is going on the balance. This is crazy

In November, Citicard notified me that my APR would be raised to 29.99% on any remaining balance after 11-30-2009. I was given the opportunity to "Opt Out", meaning that my APR would remain the same, but I would be unable to use the card and my account would be closed. I chose to "Opt Out" on both my accounts (Citicard and AT&T Universal Card) to avoid the higher interest rate.I reviewed my December bill and found that my APR was raised to 29.99%. I contacted customer service, and they said that they had no record of my choosing to "Opt Out". I believe this is just another attempt at a big business bailed out by the government to gouge customers that have no voice or avenues to pursue to make them keep to the contract they offered. I hope someone will hold them accountable and make them refund all the customers they have defrauded. Before, my payments were reducing my principal by about $150 a month. Now they'll only reduce the principal by $20 a month. And Citigroup gets richer and richer.

I noticed on my December 2009 statement that Citi Cards raised my APR for Standard Purchases from 13.24% to 25.99% and also raised my APR for Standard Cash Advance from 19.99% to 34.41%. This all happened between my November 13th 2009 Statement and my December 15th 2009 Statement. When I contacted them I was told, that the following message appeared on my statement issued 9/15/09: "Important notice of APR increase and right to opt out. All your APRs will increase to the variable default **APR** of 25.990%, effective November 14, 2009. This increase, as described in your Card Agreement, is because you did not pay when due or made a payment that was not honored. We will lower the APR for balances at the default APR if you meet the terms of all Card Agreements for twelve billing periods in a row.

You have the right to opt out by closing your account prior to the effective date, unless you become 60 days late. To opt out, you must contact us at the Customer Service or How to Reach Us toll-free number listed on this billing statement. If you opt out, you can pay down your outstanding balance under your current terms. However, you will no longer be able to charge new purchases because your account will be closed when you opt out. " They further stated "Because we did not hear from you before the effective date, your APR increased as stated". I almost always go online to pay my bill, so I really didn't notice what it said on my September statement.

I don't read my statements. Citi Cards encourages people to pay their account online, so that is what I do. Not once was that statement posted to my account information online. I have since closed the account, and now have to pay it down at the new ungodly interest rate. The sad part is, I was only one day late with my payment. What a bunch of two bit thieves.

I have had a Citi card, originally an MGE card for 12 years. I have a balance of $10,000. It was set at an interest rate of 9%. I think during February 2009, I got a letter saying they would hike interest rates, or you could close your account which of course would kill your credit. I've been a loyal customer of this card for 12 yrs and thought how bad could it be hiked. I found out they hiked my card from 9% to 29%! Unbelievable! I will be taking out a loan paying it off. I will never use this card again, ever! Thanks Citibank, you can forget my business, and hopefully, anyone who reads this! I will be getting loan pronto and never trust credit cards again!

I tried to call Citibank's call collect number from abroad to have my card canceled, and I have been so frustrated not only by the slow response time but also on how their database can't seem to find my records. I have given the correct card number and all other personal information, but the agents still can't find my records. Not even my name! How in the world can that happen when I just received an online statement dated 12/15/09? Not only is it frustrating that Citibank asks us consumers to call their number with fees (HSBC provides free international numbers), but worse, I have been passed around by one phone manager to another, without help. I was even passed on to a recorded voice machine that racked up 20 minutes of phone fees just to tell me which number to press for assistance, and there wasn't even a real bank officer to speak to! What a ridiculous service! After all these, I'm more than sure I want my card canceled and I wouldn't encourage friends to apply for a Citibank card at all! Go to another company with better customer service than Citibank!

I opted out of my Sears/Citibank account when they wanted to raise my rate. I opted out 18 days, before the deadline. My statement for that month closed 15 days after I cancelled. I was charged the higher rate anyway. Three billing cycles later, I am still waiting for them to roll back my rate, and credit me for the three months of additional finance charges. They are in breach of the contract, raising my rate before the cut off.

In November 2009, Citi card raised the interest rate on my card to 29.99% an increase of about 11%. I have the card for many many years and always pay on time. When I called them, their rep said he could not lower it. "We have to make a profit." He offered no relief on this usurious interest rate. My other cards are bad enough at 15.9 but how do they get away with this?

I have had my Citibank Mastercard for over 10 years. I have never made a late payment. To reward me for my good behavior, my interest rate was dropped in April 2009. I went to use my card on December 28, 2009 for a $60 purchase and the card was declined. I was shocked because last time I checked my available balance it was $15,000, so surely a mere $60 should go through!

I left the store and called Customer Service. The rep informed me that my credit line had been dropped over $15,000. Basically, they dropped by credit line so low that I didn't even have a dollar to spend! Apparently, a letter had been sent to me on 12/22/2009. Gee, thanks for letting me know! I asked why this had happened and they gave me the canned, usual response: "Due to a review of your credit history.You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. We encourage you to review your credit report for accuracy."

Nothing has changed on my report since April. Oh, did I mention my interest rate has increased on top of the $15k credit line decrease? This is unfair and unjust. I cannot believe this is legal. I am hoping the new regulations in February help stop these maniacs. Because this industry has been unregulated for so long, they can take as much advantage of people as possible and no one can stop them. This is not justice. This is ruining my credit score because randomly dropping my credit line means now my balances owed are like 100% until I pay it down. Having a high balance lowers your score. Having no available credit means consumers cannot spend and the economic strain continues. Having consumers have interest rates increase for no reason whatsoever means we do not have money to spend, which also hurts the economy. This is a lose, lose situation for everyone if you ask me.

A few years ago, there used to be an ad on television for a new Citi card called Simplicity. A man sat at a desk, paying his credit card bills, and a strong draft blew his bill away and he couldn't find it--meaning, that he was going to be late paying his bill. The hook was, if you are late on your payment, Simplicity will waive the late fee as long as you make at least one purchase on the card that month. Sounds great, doesn't it? How many of us have missed a payment by a few days and been hit with a late fee?

I was still mailing in payments back then instead of paying online, so it seemed like one less problem to worry about. Well, the problems begin after you are late three or more times. Yes, they waive the late fee as long as you have used the credit card, but they raise your nominal APR to ridiculous rates. When I received the card, I was paying 12.99%. Now it is up to 25.99%. I'm not sure how this usury can even be legal.

Last month, my minimum payment due was $219.08 with a finance fee of $136.08. This month, my minimum payment is $262.77 with a finance fee of $179.77. I didn't make any purchases last month, paid my bill on time and over the minimum payment amount and my balance increased by $70.23. Now, I am scrambling to find a reputable credit card (if there is such a thing) so that I can get a balance transfer to pay off this insatiable monster.

I just can't wait to get rid of this credit card. I'm going to invite all of my friends over for a party. The money that I save by getting rid of this one credit card will get my finances straight again in less than a year. I'm locked into a credit card that I will never be able to pay off unless I receive credit from another source. I would like somebody to explain to me how this can be considered fair and legal.

We will be putting a sign on our tractor trailers that travel up and down I-95 between Washington and Florida and tell as many people as we can "Do not trust Citibank".

CitiCards just raised my APR rate from 1.99% for life on the balance ($9500) to 25.99%. I do not use this card for purchases and only use it for the balance transferred awhile back. The reason this happened is that a payment was made 5 days late (by mistake). I have NEVER been late with a payment on this card and always pay more than the minimum. I have a credit score of 760. The late payment in question was thought to have been paid. I pay all my bills online. Apparently when making this specific payment in Sept 11th 09 for my august bill it did not go through. I realized it several days later and called and made the payment on Sept 19th 09. I explained what happened and the late fee was waived. I asked if my APR was going to be affected and was told that it was currently not. I received my Sept bill to be paid in October which I filed away and did not look at since this card is paid every month online and the balance does not change other than being lowered. Apparently on this one statement they had wrote a message saying my APR was being raised to 25.99% on Nov 19th for the late payment and I had 60 days to OPT out of this increase and close the card for future purchases and stay at the 1.99% until paid off. Again I did NOT read this message.

BUT On October 19th I called CitiCards to once again inquire about any issues with my late payment and any possible rate increases at which time I was again assured by the customer service rep that there was NO rate increase implimented. Today after receiving my bill for December and seeing that my finance charge jumped from $20 to $200+ I called to see what was going on. I was told that I received notice back in Sept on that one statement advising me of the increase and the 60 day period to OPT out. The notice was sent only once on one statement. After asking the manager that I just got off the phone with why I was not told of this coming increase when I called in Oct. She told me that it is not their policy to list that information on my account for a customer service agent to see and that it is only sent once in writing and I would have to call and ask specifically in regards to the message on that one statement. I asked her what if I was illiterate and was unable to read... and that is why I called and asked about any kind of rate increase. She had nothing to say other than that their policy is to only send it in writing once and it is not notated in the customers account for customer service employees to see. She basically told me that she was unable to assist me further and that my new APR would be the 25.99% - "Have A Nice Day Sir"

We the people are being financially raped!

Then...on December 29, 2009 I received a similar call from "Roger" at "Citi Client First" department at Citigroup about my ExxonMobil gas card-- SAME SCENARIO! He acknowledged that I have never been late with a payment and had a "sterling" record. I told him I felt like this was being done deliberately by CitiGroup to defraud card holders and he replied, "no comment." I spoke with his manager, "Robley" and I told him I never got an e-bill or email warning me my payment was overdue. As we spoke, I looked at my statement online and told him I saw NO clear warning indicating my acct was past due except for a late fee shown in that column of the bill. More alarming, however, was when I asked Robley to wait as I looked online at my ExxonMobil account-- there was NO indication online stating that anything was past due! In fact, it said my next payment was not due until January! I told him this and he mumbled about technical glitches with online accounts... he could give me no explanation for this discrepancy. Then he told me I need to call customer service for more clarification and to lodge any complaints!

I believe CitiGroup deliberately neglected to email these Shell and ExxonMobil e-bills for December so they could up our interest rates and slap late fees on us before the new consumer credit card laws take effect in 2010. This needs to be investigated and is completely unfair. It is out and out fraud.

i've been a loyal customer for years never missed a payment,, and now the line of credit is closed. is this an American company or one we are fighting and loosing soldiers to.?

I have had a Citi Mastercard for a couple of years now. It is the only card I use, and I pay the balance every month. I have never had a late payment and at the end of the month I have a $0 balance. I received a letter last month indicating that if I didn't cancel my card they were raising my APR. My APR has been 16.9%. With my December statement they have raised my APR to 36%. I have excellent credit with a score of 805. I am traveling in Feb and used this card for reservations so I need to keep the account open. I will be canceling when I return, and will NEVER do business with CITI again. I'm going to try to call today to get the APR lowered, and maybe give them a piece of my mind.

In October 2009 I received a letter from Citibank regarding the change in terms for my credit card. The interest rate went from 14.99% to 29.99%. The letter made it appear that the new interest rate was for new purchases, not the outstanding balance. When I received my December statement, it clearly shows the balance thru 11/29 @ 14.99% and after 11/29 at 29.99%.

When I called to inquire, I was given the excuse that they want to be able to extend credit to consumers. It's horrible that a company like Citibank can do this to customers that have been good paying customers for 10+ years. It appears that they put these changes through before legislative changes go into effect in February!

With an interest rate this high, the possibility of paying off a credit card is next to impossible. Citibank is the only one who wins, and they should not be able to prosper at the expense of consumer who pay!

On December 16th,I discovered my debit card for my checking account with Citibank was blocked while trying to make a purchase in California after I called Citybank's 800 number for customer service to see what was wrong with my card. The telephone representative said I should go in to a branch for further assistance as she had no clear answer so I went to the nearest branch to see if I could get an answer but the tellers were clueless also.

All they could tell me was that the card was blocked and that was all the information they had on their screen.

I then called Veronica V. at the New York City branch where I opened my account and she told me my account had been closed b Citibank and that a letter was sent to me. I told Ms.Viteri that I never received such letter and she told me it should be arriving me to any day so I waited until the next day's mail to arrive. I then called her back the next day when I still did not receive the letter and again she told me it was in the mail and to wait another day.

I then asked for the branch manager, Kathy K. and after waiting for several minutes on hold I was then told by Ms. V. that Ms. K. would call me back in 15 or 20 minutes but she never returned my call. When I called back the next day for Ms. K. I again was put on hold for several minutes and when the fellow who answered the phone returned he told me the manager had called the bank regarding my circumstance and that I should be expecting a call from the customer service department of the bank within 24 to 48 hours and they would explain everything to me.

That was on a Friday and finally I received a call on that Sunday but it was only a separate company taking a survey on behalf of Citybank to review my satisfaction on the original call I made to their 800 number. This did not answer the question as to why my account was closed. So far I have only been given a run around by Citibank.

Also that Friday they apparently mailed out my remaining balance but it's still been a week and I have not received my check yet nor a letter of explanation. As one could imagine I was so upset that following Monday I decided not to call back until Tuesday because I was so blind with anger.

When I did call back on Tuesday I was told that Ms. K. was now on Christmas vacation. I then spoke to a much more professional assistant manager by the name of Camelia who told me I should have received two letters prior from them but again I had to explain to her I did not receive any letter and I want an answer immediately. She me told the letter should be coming with the check of my remaining balance. Is this really legal for a bank to just arbitrarily close a persons account without proper or fair warning and to keep their money in limbo?

It's been over a week and I still have no money and today is Christmas and I had no money to buy presents for my family since they zeroed out my account supposedly mailed out my balance. I'm unemployed due to the recession and rely only on my bank account as I am just now getting back on my feet and can not afford to live on credit cards any more.

In early 2006, I have received a purchase and/or a balance transfer promotion rate of 2.99 for the life of the balance. I have taken and advantage used $9000. In December 12, 2007, I received a notice letter that says my promotion will expire October 1, 2007. I immediately contacted Citibank about the matter and asked the customer service why my balance transfer rate has changed. No explanation was given except they told me to provide a proof of the promotion. The rep also indicated that they found the promotion in their system but there is no documentation that I have it therefore I need to fax a proof of the promotion letter. I acknowledged that I don't have the promotion letter; I have shredded it my transaction completed. Big mistake in my part; I should keep it.

Anyway, the Rep told me that she will give me a better rate of 1.99% for 2 years and should contact us if still the balance was not paid off and we will extend it for you. This time I requested a letter from the Rep and I received it within 5 business days. Today which is December 23 of 2009; I contacted Citibank customer service which forwards calls in Asia and requested an extension. Mr. Joe, in Asia told me that I cannot get an extension however suggested another offer which lasts 6 months in the rate of 13.9%. Unbelievable, my credit worthiness is an excellent 760. I immediately requested to speak supervisor.

Jason the supervisor told me the same thing and when I asked why the promotion rate is higher than my APR. The supervisor said " your APR rate will change to 17% your should received a notice letter. Why? The consumer default rate is high therefore, we change our rates for all our customers. Can you believe this? This is outrages; my APR is changing because of consumer default rate. This is wrong and the US Government should have done something about it; they are stealing millions from us, Americans. After 14 years of a loyal customer, I'm planning to close my accounts with Citibank and transfer the remaining balance of $3600 to my capital one card. I will never do a business with CitiBank Again.

They had the nerve, on a letter mailed 2 days before Christmas no less, to reduce my credit line from $21,000 to $500. Why? Because of 1 late payment, even though that payment brought my balance to zero. And I even have a 775 credit score. For nearly ten years I've been a Citi Card customer. NO MORE!!! I'll take the minor credit hit and close my account. They can't go out of business quick enough. They are too big to succeed.

I am getting calls from CITI card for David Ting every morning at 8:05. This is ridiculours! Please stop doing so!

I have been a customer with Citi for years, but will not do business with them ever again. They raised my rate to 29%. I called and received NO help. My payment has now doubled and they told me it was because of the down turn in the ecomony. Citi got a bail out from the tax payers, and are now making us ALL pay for it. Congress needs to STOP this shameful practice.Please write your Congressman if you have the same experience and complain.

This is the biggest rip off of a credit card you will ever find. Worst company I have EVER dealt with. If you have a card with them, pay it off, cancel it and NEVER do business with them again. I sure as hell wont.

You will start seeing more and more bancruptcies........what a shame

I was a customer with Citi for two years and today I noticed that my card was missing. I went online to get a number for customer service, to my surprise my APR rate had wewnt up 50%! So i called customer service and I asked the rep why this had happened. Her EXCUSE was that it happened because I had two late payments on my account; this is a bold-faced lie!! I had one late payment in Aug due to the fact I was out of the country and the rep that contacted me(in Sep 09) regarding this issue told me she would credit my account because I have never had a late payment. The rep I spoke with today tols me my previous late payment was in Feb 09; this obviously makes no sence.

After reading others' complaint I have come to the conclusion that the APR was raised, not due to magically appearing late charges, but due to the fact that my card just expired and I activated the new one. Citi never told me anything abpout the 50% increase in the APR.

I learned my interest rate went to 29.99%. I have no missed payments. I am on an auto pay system. When i asked why, they said the economy. What! this is going to help? I am trying to slowly pay the card off. But now with the rate tripled it is getting more difficult to catch up. Is this really legal?

We have had a credit card with Citi Bank for several years and have never been late and have always paid more than the minimum payment required. We have been informed today December 16, 2009 that our card will be cancelled upon expiration date unless we agree to an approx. 60% interest rate increase. We have been informed in February 2010 new laws go into effect that would prohibit companies from taking advantage of their perfect customers by raising rates for no reason. We recently paid this account off in full. Please respond to this information if we can legally prevent them from dropping us totally.

I have a Citi Card Master Card that I use exclusively for business. It has a very high credit limit of $35,000. I NEVER carry a balance on this card, pay it off every month. In November we did not get a statement from Citi Card. They say it was sent out, but we never received, subsequently, did not pay on time. The balance was only $4,900.

They put a hold on the account, which was very embarrassing because I was in the middle of a trip and that is the only card I carry when traveling. Had to take my ATM card to a bank and pay all with cash. When I called them, they would not release the account from hold. I have had the card for over 25 years.

They used to call if there was a problem, but now they just sneak in the late payment charge and high interest on the balance due. Customer service said they really did not care if I actually got the invoice or not, it is still my responsibility to pay. Since I never carry a balance, I really don't need this kind of treatment after 25 years as a loyal customer. I don't need their card and will take my business else where.

Had to go to an ATM twice to get cash to complete my business trip. Embarrasement of talking to vendors who asked (rental car and hotel) why my card was denied. Had to pay in advance for car and hotel.

I closed my Phillips66Conoco76 Master Card (Online only) in August 09. I paid off the balance in October 09. Citi cancelled the card and removed online access. Two months later I start receiving computer phone calls saying I'm late paying my balance. After going round and round with Citi Customer Service one rep indicated that she had reversed the finance charges. Two weeks later the phone calls started again and additional charges have been added.

I purchased doors from a company in atlanta. They took 75% upfront and then showed up with doors that were the wrong finish. After some back and forth about who should pay to refinish it, the merchant said he would just give me back my 3 installs. After much debate and given no other options, I agreed. He loaded up his stuff and took off without paying me.

I now do not have the merchandize or the money. I had charged the install on my citibank mastercard. Citibank clearly told me before I entered into this transaction that, if I can show proof that I am not in possesion of the merchandize, I would not be responsible for the charge. Accordingly I took a chance with an internet purchase. I filed a dispute but citibank now tells me that mastercard has denied my claim and that I should look into other options. what kind of credit card protection is that? I canT get any straight answers from anyone at citibank.

When citibank decided to close the case without forcing the merchant to refund the money, the merchant was notified. Since then he has decided to keep my doors and my money unless I agree to his new demands. He is sitting on 22k of my money that was charged on a citibank mastercard

I purchased doors from a company in atlanta. They took 75% upfront and then showed up with doors that were the wrong finish. After some back and forth about who should pay to refinish it, the merchant said he would just give me back my 3 installs. After much debate and given no other options, I agreed. He loaded up his stuff and took off without paying me. I now do not have the merchandize or the money. I had charged the install on my citibank mastercard.

Citibank clearly told me before I entered into this transaction that, if I can show proof that I am not in possesion of the merchandize, I would not be responsible for the charge. Accordingly I took a chance with an internet purchase. I filed a dispute but citibank now tells me that mastercard has denied my claim and that I should look into other options. what kind of credit card protection is that?

I canT get any straight answers from anyone at citibank. When citibank decided to close the case without forcing the merchant to refund the money, the merchant was notified. Since then he has decided to keep my doors and my money unless I agree to his new demands.

The kicker was when the account manager was nasty on the phone and then just hung up on me. This is one company I will never recommend again and I am closing my account. Who thought it was ok to bail out this company?

Have had the card for 8 years, have not had a late payment, paid off several times, pay more than minimum, am at $9k when my credit limit is $24k; they raised my interest rate to 19.99%

I have had my Citibank Mastercard for at least 5 years and always pay the balance in full each month (if there is one). I mailed my October payment on November 14 (a Saturday) at the post office, and expected it to reach Citibank by the 11/19 due date. I just received my November statement, and like many others here, found that they didn't receive and process my payment until November 23 (a week later). They slapped on a $39 late fee and included a WARNING that my APR was going up to 29.99%. This is total BS. I'm not even going to bother talking to them. I mailed the November payment (with late fee) this morning. As soon as the check clears, I'm CLOSING THE ACCOUNT, and will take my business ELSEWHERE.

I called to obtain payment due and due date, also to inform that I have recently married and needed to update my address. I was informed by Helen that CitiCard closed my account in August after finding my credit report had been pulled by a bank. I told Helen that a) I was in the process of having a home built as I just married and b) I was not notified that my account was even closed so I proceeded to ask for a manager.

I spoke with Kim, account supervisor and she was very non-responsive to any inquiries I asked specifically since they closed my account without my knowledge that I then wished to have a negotiation on the APR since it is no longer an active account to which she refused. There was absolutlely no cooperation what so ever. I further stated that I have been in good standing and had this card for quite some time. My APR is over 24% which is absolutely unacceptable especially considering the circumstances that they are not willing to negotiate. I asked for the regional office to which she only would provide a general address (po box) and said she did not have access to names, etc.?

I am disgusted with the level of service this company has provided and the poor representation with lack of response including correspondence/ notifications with regards to my account. This is a complete outrage as to how this company has treated me and I need some help in finding what steps I can take to pursue some sort of action. Please advise. Thank you!

We do not wish to continue doing business with Citicard-ever!!

I paid my bills early for November which was going to be a very busy month. I paid my Citi card for October on 10/16 and my November bill on 10/26. I tried to use ny card last night at CVS to make a $10 purchase and it was declined. I checked my account online when I got home only to discover it was showing my November payment to be late and my account could not be used. I called Citi and was told my payment was received the day before the statement was run so it was considered an October payment. I explained what happened and was told the $39 late fee could be waived but I would still have to make another payment for the month of Nov. and couldn't use my card until it was received. What a poor business practice that is. The gentleman I spoke to was very nice but custoner service is obviously not a priority of Citibank.

I completed a 20k balance transfer at 3.99% for the life of the balance. After 15 months the apr went to 19.99%. When I called to explain that the offer I was given was for the life of the balance, they said they would pull the tapes of the call where I initiated the balance transfer and get back to me in 24-48 hours.

A week later, they had not responded so I called again and went through the whole story with someone else with no resolution or explanation. I called again, still no response other than incomplete or conflicting information.

Today in the mail, 26 days after my first call, I received a notice saying my apr was good until September of 09. Then separately another letter telling me they were closing another of my Citibank credit cards for inactivity. I called to receive more information and was told another letter was coming and that the investigation was closed. I'm stuck at 19.99% with 16k still to pay off. They offered to lower my rate to 15.99%, a 4% savings they said.

I was successfully paying down my debt in order to pay it off, as I have done before. Now this puts my entire financial status into chaos. I don't know how I am going to get out of debt with these exorbitant interest rates. I find it ridiculous that Citibank got a bail out by my tax dollars and now I am screwed because they get to be greedy and I have no protection. I can't transfer to another card because no one is offering anything unless you open a new card. The credit card companies are trapping consumers and forcing them into bankruptcy.

If they lower your credit line, your credit score suffers. Maybe it's time we all start to refuse to pay the bills, and after 6 months negotiate the rate and principle. If your credit is suffering anyway, it might as well hurt the bottom line of these bailout banks.

Therefore after roughly 13 years of business with Citibank we are halting all transactions. They only way we are coming back is a 0% ARP for 24 months and a fixed rate of 9.99% thereafter but the tooth fairy will most likely visit first so goodbye.

I was closed my bar tab, went home and then i get a call from citi stated that my card was still at the bar. I call the bar and they send someone over to swipe cards. The next morning I'm thinking everything is normal and then my card is declined! My card was cancled WITHOUT my NOTIFICATION OR CONSENT. I understand the policy of if the card is in someone elses possession but it's at an estabilishment that called to notify me to pick it up.

So i'm left with NO money on Thanksgiving. I call citi and they state that they can not do anything. The day after I call to see if my card was replaced- nope nothing was done- so I place an order and ask for more checks. At this point this is the least they can do for me considering what they have done to me. I'm waiting on for 10-15 minutes to get an answer of "NO, the policy stand and that'll be 25$", are kidding me, you freeze my card with out my consent for no reason and you can't even waive something so small.

I hope they work on their customer service because that's pretty [bad] to do and they didn't even bother to try to rectify the situation. So if you're thinking about Citi bank, i would look else where.

They have benefited on the interest of close to $80,000 dollars safely on this line of credit. My advise, make the minimum payment. I relied on this line of credit as a safety net. I could have place an extra $60,000 in my savings account, but, I was financially responsible placing all my extra money into paying off the balance off. I am now stressed, hoping, nothing happens requiring an out of pocket expense till I can put away a $10,000 safety net requiring a minimum payment on my "suspended" line of credit.

I just found out my interest rate is increasing from 14.99% to 29.99%. I also think it's because I carry a large balance, but I also pay at least the minimum payment every month on time, usually more and early. Also, other than a problem about three years ago after I moved and changed jobs, I haven't missed a payment or been late. So I'm just astounded and want to cry.

I just moved but had saved enough money to cover my expenses until I started working, since first paychecks take one-two months to arrive. I budgeted for a monthly payment of the minimum plus $100 for about 4-5 months. Now I don't know how long I can make the payments. I also have autopayments from this account, and I only have one other credit card that I would've liked to close.

Now I have to keep it just to have any card. BTW, I checked my account online a few times this month and there is nothing there about the increase. If I had seen it sooner I would have stopped using the card. I have to fly next month and don't know how I will pay for it now. So I'll opt out, pay until the money's gone and then there goes my credit rating.

I have been a Citicard customer since 1992. In 17 years, I have never made a late payment and have always paid more than the minimum if I carried a balance. Six months ago I received a letter in the mail that my interest rate was changing from 7% fixed to 14.99% variable. Last night I received another letter that it was being increased again to 18.99%. The letter also said I can lower this rate to 17.99% in six months by using my card once per month and paying my bill on time. (Gee thanks.)

When I called I was assured that it wasn't due to my credit, which I knew since my credit score is 779, but it was so credit can be made available to everyone! I am electing to opt out this time which the person at Citibank said a lot of people were doing.

The only customers Citibank will have left after our opt out periods end are the poor credit risks they currently carry on their books. The people that they are raising rates on, including me, have credit options. The people that WE are paying for don't. I wish Citibank lots of luck because they will never get another dime from me.

I live in California and have been unemployed since January 2008 due to the downfall of the real estate market. I have a house with a mortgage.

I have checking, savings and Mastercard with Citibank. I have been with Citibank for about 5 years. I have never been late with a payment. The minimum required payment is $58/month, but I always pay at least $300.

Starting in January, Citibank will be raising its interest rates on their cards from variable 11.99% to variable 15.99%. Why is the government allowing Citibank raise interests and minimum payments like Chase was attempting to do during these difficult financial times? We, the taxpayers, have bailed financial institutions in their time of need, but where is the financial institutions help when we need it?

As soon as I am on my financial feet, I will be closing all my accounts with Citibank.

Thanks Citibank.

First, they went up on my finance charges from 5% to 29.99 due to being late one payment and it continues to be that high percentage. Secondly, they are calling on the weekend especially heavily on Sunday for payment after the payments are paid.

Now what I want to know is this legal to right the raise the finance charges this high and can they call you on the weekend after they are told not to call. Is it possible to sue for illegal practice in collecting a debt? If not, I would like to put in a Class Action against CitiCard. I know that I have that bill to pay but they constantly calling especially on a weekend. What can I do about this?

I just received a letter from Citi Bank that they are going to increase my interest rate from 5.24% to 29.99% starting December 20, 2009. I currently owe a large amount of money on this credit card and I think that's the reason I believe they want to increase my APR. I first opened my account with them July of 2007 and they gave me a 0% introductory rate for a year, after that they raised my APR to 6.99% on purchases. About 6 months later they reduced my APR to 5.24%. I've never had a late payment, I always paid at least $50 more than the minimum, and I never did anything to deserve this. They say that I can opt out by December 20, 2009 and keep my APR as long as I don't use the card or have any late payments, but this is just absurd.

My husband and I have been a Card holder for 43 years, first with a Sears Card, then Sears Mastercard, then a Citi Platinum Mastercard. They kept upgrading it and increasing the credit limits over the years because we were always responsible about paying on time, more than the minimun, keeping our debt under 30%, etc. In August 2009, our interest went to 25.24% and now Nov. 2009, our cash advance went from 3000 down to 250. The next thing to expect is the credit line to go down for being such good customers for all these years. So now what can I do with my spending money for Christmas and for the years to come. Since Citibank owns Sears and Kmart, I will not be spending any of my funds at these stores. I also will not shop at places that have Citi cards, such as Home Depot, or buy gas at Exxon Mobil gas stations or any other business that finance with Citibank. Forever. Already bought a new TV for my grandson for Christmas, normally would have went to Sears, but you got the picture. Hope Citi tanks, and also Chase bank, they are just as bad. Hope February 2010, helps the consumer a little bit from all the greedy banks out there.

my only hope is that the next time somebody decides to go postal they do it on wall street, on the steps of the citibank building, goldman sachs or any of the other roosts of these greedy amoral vultures. a dead wall street moneychanger is a good wall street moneychanger.

Like many others, I received a letter stating that my APR would increase to 29.99% effective 11/30/09. My current interest rate is 10.99% which I thought was too high anyways - my credit score is very good. I've had the card open for almost seven years now, my payments have been on time and since I've opened it they've increased the credit line to a ridiculously large amount. Of course I called to opt out of this change since its ridiculous.

The representatives I spoke with were both very kind and I knew this was out of their hands. They tried to keep me as a customer with the worthless offers Citi gave them to use. Ten percent credit on my interest charge, but not until February 2010 and if I'm late once it's gone. That 'program' was also mentioned on the letter and right below that they have a nice disclaimer that stating they have the right to cancel said program with 30 days of written notice?

That's stupid. I hope everyone else who received that letter opted out. I guarantee that I will never do business with Citi again.

My account was shut down and I was left stranded at a gas station on a mastercard account I have held in perfect standing since 2003. I have never exceeded my credit limit on that account, much less any other. I have never missed a payment on any of my accounts anywhere on my entire credit history. I was given no notice whatsoever that this was going to happen.

I've been a Citibank customer for 24 years and had a credit limit of $30,000 with a very good credit rating. I received one of their 29.99 letters and found out it was because I paid my bill late once in June of 2008! At the same time, on my October statement read, "Good News! We are lowering your Annual Percentage Rate (APR) for all balances...." Since the letter, I also have received two mailings for 1.99% balance transfers until 11/1/10. I'm not sure what kind of sick joke this is but I'm not laughing. How anyone could do this to thousands of people at a time when the economy was starting to get better, took the bailout money from our tax paying dollars and knowing that this will negatively affect the Christmas buying season, and also knowing that many businesses need a good Christmas season to survive AND still do this to their customers can only point to the EXTREME GREED OF THESE UNPATRIOTIC SOULLESS VULTURES.

Billing dispute, claims they gave me credit, I always pay bills on time even if I dispute a charge. If that is the case prove it. The credit was only for item returned 143.40. In the meantime If I dont pay bill in full, I know will have to pay interest. Can you help. I have to pay bill all over again

I have been a member of Citibank (Citi-cards) for the last nine years.

I recently received a letter from them informing me that they are raising my interest rate from 14.9 to 29.9% (a 15% increase.) I thought this was some kind of error since I was never late with any of my payments.

When I called the representative told me it had nothing to do with my perfect record with them but rather due to the economy and pretty much said this is what it is. My only option is to accept the terms of the 29.9% interest rate or opt out and close the account.

I work very hard each month to make sure all of my bills are paid on time as well as maintain a good credit score.

I feel like Citibank is strong arming their customers and putting them into a financial hardship and affecting their credit rating by the choices they are offering.

I could understand if I was late with my payments therefore defaulted on the interest rate, but I made it a point to ensure they received their payment each month...never once late.

How can this be allowed? Citibank is taking advantage of this now and hurting their good paying customers before the new policy goes into effect in 2010.

Can something be done about this? This is definitely going to hurt me financially and set me back.

Please help!

After many years as a loyal customer that pays every month on time, our interest rate is being increased to 17.99% in less than 2 months. This is disgraceful! We will be opting out and closing our account.

I've had my Citibank Mastercard for 14 years, and am a good customer--paying off my monthly balance and only occasionally racking up late fees, which I always paid within the next 30 days. In April 2009, I was informed of a security breech at Citibank, and was told I would receive a new card in the mail. I never received the card, checked my balance--which is only available to me online via an electronic-notifications only account. I checked my online account, and it showed a $0 balance. When I didn't receive the card, I left the account alone. No subsequent statements that showed me anything by a $0 balance.

In July 2009, I received a call from a collection agency in Kentucky telling me I was overdue in my payment and owed an additional $160+ in late fees and rates. WHAT? How could I have a balance when my account showed $0? Well, Citibank does not care to keep long-term dedicated customers--after several phone calls to explain what happened, paying off the amount within 30 days of first knowledge, and asking Citibank to take some responsibility for what is a flaw in their system--my balance was removed by some "SEC TRANS" after a security breech, and I am supposed to know what that means, I will be hounded until I make the now-$200 payment.

I consider this fraudulent activity on their part in posting an incorrect balance after being the ones to close down my account. I will likely have to pay the amount, and my credit rating is suffering. Citibank has lost another good customer, and I will not be surprised when they fold as a company. Reduced credit rating, loss of long-term good credit standing, loss of money.

They own the darn banks.

My husband and I got a letter stating our interest rate would increase to 29.9% or, at our choosing, we could close the account. We have credit ratings above 770 and have never been late with a payment. We did increase out balance this year because we did a house renovation, but as I said, our payments were all on time, and we were on course to pay off this card by the end of the year, if not earlier. This is a lousy way to treat a good customer. Use our taxpayer dollars and then stiff good customers. What a business model.

I am a consumer with very good credit standing. (No late payement, good credit rating, pay more than the minimum due) However over the last several months, I have received interest rate increases from several banks (Citicard, AX, Capital One) ranging from 4 to 5% on EXISTING BALANCES. In light of the current economy, and the bail out which all of us provided for these banks, there needs to be an immediate cap and limitation placed on increases of existing balance. I feel that the credit card reforms that were passed earlier this year have become an open door invitate for these increases.

If you opt out of these cards and have your accounts eventually closed by them, you risk your credit standing. I urge consumer affairs to rigorous in bring these tactic to Congress' attention.

Just received the same letter as everyone else stating that my interest rate was going to be changed from 11.24 to 29.99. Called and spoke with rep who just stated it was so that they could extend credit to other people. I have never been late on a payment or gone over my limit. I kept telling him that 29.99 was equal to their default rate and he just kept saying the same thing over and over. My only option is to opt out. I have had this card forever and had transfered my balances from other cards to this one and now I have to close it. I can't believe there is nothing I can't do about this. I have ever referred my friends to this company in the past.

I recieved a letter stating on 12/19/09 my interest rate will go from 13.9% to 29.9%, I called and talked to a representitive and she said I had two options A. Stay with the rate and make my payments and will not be able to use my card or B. Agree to the 29.9% and use your card. I explained that I am never late on my payments, I all ways pay more than the minimum. She said I have no other options, I asked if I could talk to someone else to negociate a lowere rate and she said no.

Citi bank sucks.

I have a citi rewards card with a rate of 7.99 excellent credit my score 850. In July I was contacted telling me my card was going up to 14.99 because of the economy same with my discover. Now I just received a letter that its going up again to 18.99 that crazy seriously My card has a limit of 10,000 and all I owe is 50 bucks. I'm canceling them this weekend.

I have been a citicard holder for the past five years and have been very happy with them. I have refered them to friends and family over the years. I have never missed a payment and was always in good standing. I just recieved a letter saying my account has been closed. When I called they told me that they would keep it opened if I agreed to a rate increase from 7.9% to 14.9% they told me it is so they could be competitive in the market and provide credit for their customers. It appears that all they are doing is losing customers and they don't seem to care or have a good reason. I am very dissapointed and will make sure I retract my recomendations for this company. How is it possible that a company can recieve a government bailout for billions of dollars and then screw their loyal customers that can pay their bills. How did taxpayer money contribute to charging taxpayers more money to have credit from a company taxpayers bailed out? This is unfair and unethical. They should be held accountable for their actions.

On November 1, 2009 I received a letter from Citit Bank saying that they were raising our annual percentage rate from 14.99% to 19.99% on December 20, 2009. On January 1,2009 my interest rate was 6.37%. This will be the second time this year my rate was increased. I have a credit line of $19,000 and we pay off the balance each month. Experian Credit Bureau say's my credit score is 910. We have never been late on a payment. I understand that Congress is going to limit the rate that credit card companies are going to charge but My God it's too late they are doing all their rate increases before any legislation is effective. Is there no relief from this injustice. What are my alternatives other than discountinueing my credit card. I spoke with Citibank on the phone and they could not change my rate to a lower rate because their expenses are now higher. My only real alternative was to discountinue my card. Please help me with this. My wife and I are both retired and I think this is an injustice at the very least.

Citi closed an account that had been open for over 4 years without notice, and without providing me any reason in writing. We received no letter. I tried to use the card and it was denied for purchase. They promised a letter from their legal department explaining further which policies were used to make the decision, but the letter never came and we were offered no grevience process.

I would like more information about what I can do in situations like this. Is there any one or a business you can refer me to that can explain the processes credit card companies use to make these descisons. When I asked one of the representatives about whether closing the account would negatively impact the credit score, she said "I am not a credit education specialist maam."

I've had a CitiCard since 1999, and have always believed I was a member in good standing. A recent credit report revealed a score of over 760. So when I received notice that my Citicard APR was jumping from 11.99% to 19.99%, I chalked it up to the current market and had to go with it (I will admit, I have a higher balance than I can pay off to 'opt out' of their higher APR). Following the taxpayer bailout and later news that the recession was officially over, I contacted CitiCards to see about lowering my APR. They could neither tell me why it had been raised, nor would they lower it. Yesterday I got a letter saying that the APR is again increasing, this time to 23.99%, and again with the same ability to opt out by paying my balance and closing my account. I have used the card very seldom in the last few years (and only for plane tickets); I realize that I got myself into this by using the card, but I'm also trying to responsibly pay the card off. Exactly how does CitiCard think that this will be possible when they keep increasing rates? It's not as if the price of anything else is going down to help me compensate for the increase in the amount that I will have to pay to CitiCard.

I charged a$3700 down payment for a bath remodel. The contractor never did any work, was unlicensed and made no effort to refund my deposit. I filed a dispute for the charge and inspite of citing fedral, state and county law, citi refused to dis allow the charges and I am now forced to go to court on my own.

On the 6th I received what I thought was a duplicate bill but that was the bill. (That is only 10days from statement to due date)

On the 10th I received the duplicate and realized the "other" duplicate was the original statement.
I spoke to a manager and asked that they Citicard) give ME back a late charge.
Their argument is that they can't help if the mail is late. However, if mail going to Citicard is held up, I have to pay late charges.
The manager told me I could pay off my entire balance OR pay on line.
Something should be done to stop this type of highway robbery.

Citicard mailed that late in the event I would be late and THEN raise my interest rate AGAIN.

Have had the citicard account for approximately 14 years, have never even been late in payments. Had credit lines increased by Citi and later I cut them down voluntarily, perhaps 5 years ago. I did a couple of balance transfers using their teaser rates and available credits. All of the sudden, I get a letter with "addendum" in mail stating that credit rate will go up from 17.99% to 29.99% effective December 20th. Once before other scammer credit card companies attempted to pull a fast one like that hiking my apr from single digits to 23.99% without actual reason. I haggled the balances into an AMEX card and, in the case of CITI, I put pay these scammers off and will make sure all people I know do NEVER EVER do business with CITI and I know quite many people. What they sow they will rip. Hopefully they will go broke.

My husband and I have paid our citicard for more than 10 years and have never been late. We received a call that our October payment was late, we put a stop check on the check and made a check by phone payment the next day. Now citicard has raised our apr to 29.9%! This is incredible, I talked to them twice and they finally agreed not to raise our apr because of our excellent payment history and then sent us a letter saying they decided to raise our apr to 29.9%. How can they agree on the phone and then do whatever they want??? I suspect they "lost" our check just to increase our apr. This is a crooked company.

I received the famous 29+% raise on the APR and complained to the President. I received a letter from Dawn Duerkson, Presidential Communications, saying Citibank based their action on several factors which she listed. None of them referred to an excellent credit rating for many years as a "valued customer". The letter is an insult to my intelligence.

My WAMU card changed to Chase, within 30 days my intrest rate went from 11 to 30% Hope Chase goes under too. Now my husbands Citibank card sent a letter to inform us the intrest rate will be increasing to 24% from 11%. What everyone should do is cut up their cards. Run the crooks out of business. Allow a new bank to pick up all the good paying customers and start fresh with Good business manners.

Was contacted by customer service on October 11th stating my payment was late. Paid bill online on October 11th (included large fees). Reviewed past payment history to see how my payment was late. August payment 27th, September payment was on 12th, not late. Less than 30 days later... October 11th, payment late??? Interest rate to increase to 28.99% due to payment late unless I "opt out" and close account before December 12th which I did. Account closed on November 10th. Will also write my senator and congressmen.

recieved a letter increasing my interest rate. cutomer service agent said it was due to their increase in the cost of lending. I pay my account in full monthly, so he told me the increase should not effect me. There should be a valid reason to increase a persons rate.

Received a letter yesterday raising my credit card APR to 29.9%. No explanation given. I have always paid on time. My funds originally went to Citi on their offer of a 0% APR for one year balance transfer.

This is total usury. They are defying to the will of Congress in getting this out before Dec 1 deadline for credit card reform.

I just received a letter from Citibank, whom I have a credit card with, and they are raising my interest rate from 5.99% to 29.9%! This should be a crime. I have never missed a payment and I have a good credit score. I wrote my congressman but I don't know if anything can be done.

I have been with Citi Bank for over 10 years now and today we get not one, but two, notices for each account we've had with them. One was increasing our APR to 29.99 and the other to 26.99. We've NEVER been late or missed a payment, nor have we ever been close to max'ing out the cards. After two hours on the phone with them, and one was so rude, I had to hang up and call back, I was left with the choices to OPT out and close the account or continue with the current rate. What a crock. They are SOOOOO worried that when the new credit laws take affect in February, they are protecting themselves. It is a business choice to lose some customers over money...I WILL NEVER refer them to anyone and am closing my accounts even though I'll suffer in losing my debt to available credit with them. Unbelievable...even though loyal customers get the shaft...I am boiling over this mess and just want everyone to know this kind of practice is happening with them. My credit is over 750, and they are treating my wife and I like we are unemployed, non-paying customers. The laws should be to protect the consumers who do right and retro back to protect us because they got a jump start at us before the laws took affect. CITI is a HORRIBLE company and lost ALL respect to me. KEITH CLINE...not afraid to put my name.

I have had a CITI card for the past 8 yrs. Always paying my bill's on time and several times charging a high amount and paying it off in the next 6 months. Today I was sitting down to pay my bills to find that my interest rates has been raised from 5.99 to 14.99 % when we contacted Citi we were told that we received notification in July that this was going to happen. I then stated that we did not receive anything and that we even called to request an increase in our credit line that month to make a substantial purchase. At the time we asked what our current rate was and if our rate would remain the same. The representive told us that we were notified and that there was nothing he could do other than lower our rate to 10.99% for 6 months.. We asked why this was happening when we have always paid on time and never been late. We were told that they were raising the rates to be able to offer credit to other consumer.

I've been a long customer of Citicard and have held the Diamond Preferred Rewards Card for at least 6-7 years. I have never made a late payment and I paid my balances in full. Then today, I get a letter from them saying that my APR was being increased to 20.99%. When I call in to complain, the facetious jerk on the other line said that it is because of the current situation that interest rates are going up. He then told me that I could cancel the card if I wanted to, but when I expressed that cancelling my card with that size credit line that is on it would negatively affect my credit score, he said, "well that's your problem". I said, "@%that" and he hung up on me without a single word.

Yeah, APR increase shouldnt affect me too much if I pay off my balances, but in all seriousness, to increase my rates, when in the past they had only increased rates for infractions, and then to put consumers in this kind of a bind just so that their rate hikes come in time before the government impositions on the credit card companies is a sneaky, underhanded blow. They take a government bailout, don't increase lending, and then try to further squeeze money out of customers. Suffice it to say, when the economy finishes its turnaround, I'm going to another company to get a card.

I called Citicard this a.m. and asked for a simple request of lowering my interest rate on my credit card I have had for over 22 years. I was told my account does not qualify for one at this time. I then told them this was my second attempt at lowering my interest rate. She again told me I dd not qualify. I then asked to speak to a manager. The manager told me again my account did not qualify for a lower rate. She did however say she would credit my account $60.00 This is some consolation, but not very much since I have paid a higher interest rate for over 22 years. What happened to helping out a loyal customer. I quess this is too much too ask in this day and age. I was not asking my interest rate to be lowered down to nothing, just wanted some relief. I told the executive secretary that they sure have a racket and there is no compensation for good payment history or staying with a company for so long. I try to keep my balance manageable and within reason, but not to their satisfaction. All they want is more and more money.

i have never missed a payment; they raised my rate to 29.99%, i am trying to pay off my balance, and negotiate favorable terms to be able to do that; all these huge bonuses going to these execs!!! when will it stop!

As with millions of other accounts, my interest rate suddnely went from 10% to 30%. Over the course of the last 10 months, i have been charge over $4000 in fees, which now represents over half my outstanding balance. When i called them to try to work out a reasonable payment plan, and try to get some fees eliminated, ya know, since they took $50 BILLION in tax payer money, they offered to reduce my principle by $27. TWENTY SEVEN DOLLARS! I was told, since my account is CURRENT, they would not entertain a settlement, that they only do that for very delinqent accounts. So basically, I am being punished for actually paying my bill.

Citi chose to triple the interest and payments, then "close" account of mine that was officially closed years ago with a fixed APR for payoff. Melissa asked me to create a payment plan to bring my account current. When I called Citi again, I found out that she had given me misleading information about the monthly amount and had reported this to the credit reporting agencies. I asked for this agreement in writing and my request was refused. A second rep there refused to give me her employee ID number and hung up on me.

At the advice of a person in finance, I reported Melissa by name to the FTC and to Citi customer service. I have requested full disclosure of my accounts and placed them all in a state of "formal dispute" according to bank policies and credit law. Irreparable damage to credit rating and all accounts closed with fake finance charges putting them in over limit status, with ever increasing amounts due.

I'm contributing to your website because I think if enough people know the federal credit laws and rights, refuse to deal with bank agents by phone and demand full disclosure of records, policies and credit laws that they might get a different response than the one they get by phone. To my knowledge as well, if the FTC receives multiple similar complaints, they launch investigations. That, at least, is my recent experience.

My wife and I have had Citibank based Master Cards, which earn mileage on American Airlines, for nine years. We have never missed, or been late on, a payment in all that time, and pay the balance in full each month on each card. Yesterday in the mail we were informed that our variable APR for purchases will steeply climb to 20.99% and 23.99% respectively on "Gold" and "Platinum" level cards.

What are these people thinking? Years of dependable on-time payments deserve this kick in the teeth treatment? I should be in the banking business too, where I pay half of one percent interest on someone's savings, and charge over 20% interest! Highway robbery! I enjoy earning airline miles but their system couldn't cost Citibank anywhere near what they're going to charge me. I think I could do better with a street corner loan shark! Shame on Citibank for valuing the almighty dollar above customer loyalty.

I suspect Citibank operates out of South Dakota because there are few if any regulations on banks. It's about time for South Dakota to reign in on what is allowable, so that corporate citizens don't act like mobsters! Citibank and American Airlines are losing my wife and I as customers with this bone-headed move! I hope others will leave them as well, in protest.

i paid off my balance in full and kept getting additional late charges for a balance that was never there and they kept ruining my credit. When i paid it off again a 2nd time they refused to close my account. i resulted from a depleted credit score, and lack of respect by cit bank.

I have been a cardholder in good standing since 2004. I have had my ups and downs with them but always in good standing.I have even recommended them to others over Capital One etc.. 6 months ago I negotiated my APR down ton 9.24%APR. I have been in perfect standing and even almost paid off my card. Like most people I got a letter stating that my interest rate was to go to 14% due to the economic times. That is total bull that when times get tough, they pull all in for themselves. Total crap, I opted out to pay down the rest, but I would like to keep my acct open to not hurt my credit. It's so frustrating, I will never recommend them again to anyone. America needs to get off the credit card t*t and go straight. If you can't pay cash, then you can't afford it.

I have had a credit card with them for years and have never made a late payment, always paid more than the minimum and spend on it regularly. I got a letter in the mail stating my interest rate will be changing from 8% to 29.99% on future purchases and my current balance of $5500. The only way to avoid it is to opt out and close my account which will hurt my credit.

I have been a loyal customer of Citicards since early 1997. My credit score is in the 700's and I have NEVER had a late payment. I received a letter stating my interest rate was going from 12.24% to 29.99% on November 30, 2009. I do have the option to opt out and pay off my balance under the current terms, but that closes my account. I am SOOO upset about this. This is how banks are treating loyal customers ?? It's unreal. I could not afford a minimum payment that is based on 29.99%, so I've had to opt out. Now I have a 5 digit balance to pay off, and I lose all of my spending privileges.

i feel cit is trying to rip my family off in many ways. first of all we were charge a 12,5 interest rate back in 1996 and we had good credit 8 A-1 credits. we are still being charge that our payment has not change. it just appeared to change a little this year but i keep getting statements with one amount then a balance of another. we were told we lack on insurance back in 2004 and 05.

six years later it was brought to our attention and we contacted them to let them know we have insurance so they told us we weren't being charge. assurants which is the
insurance company that supposely be the one who took out the policy said they never took out a policy on us but yet we were being charge.

i let assurance and cit know that they were being recorded. we did a three way. cit stated they knew nothing of said insurance yet i'm still being charge.

i get so many different bills. just last month i recieve a bill saying we owe 880.00. i sent 300.00 so it should have been 580.00. they took off the 77.38 cents they said we owe in insurance. granted i all ready had insurance. i paying two insurances i recieve in the same month. last month which is october a bill after the 880.00 for 2,229. a couple days later a bill for 2,805. they said that my balance should be 51,005.62 but yet it keep going back to the orginial 52,275. then the last one 51,162.65

i ask for my money back because they were charging me for insurance. i already have cit told me and assurant that they don't give back money. they apply it toward the princibal and i told her that was elegal after i thought about how can you take my money and do what you wish, i found out there were other refunds we had from insurance that they claim they applied to prinicbal and yet our balance never went down. i've tried to resolve this issue but they keep uping my mortage and saying i owe them for insurance and i recorded the conversation.

how can i get help on the issue. assuranct ask if they could send me a copy of my mortgage. sense day one when i purchase home they said sure and i haven't recieve anything but larger bills. when we purchase the house we paid for that whole year of 1997. we recieve a letter saying we owe them 5,215.00 almost a whole year of payments and was threating us that we were going to have to get out. we had no other choice but to pay because our vehicle was destroy and had certain documents i realize.

what mortgage company will let you go a whole year without paying your mortgage. i'm going to fine that receipt one way or thee other because they took my family through some changes. can you help us out. they are cheaping us. now i fine the are going under. is this why they place this hardship on my family.

I am trying to be rosponsible and pay my credit card off, but these thieves make it almost impossible in these hard economic times. i can not catch up on my obligatio at this rate of doing bussiness. i believe they should not get off in bankrupcy when they are robbing good responsible citizens.

I had a Sears credit card which was not originally issued by Citicard but during the course of time, Citicard took over. At some point, I stopped using the card and told them I wished to close the account and started paying them off. After Hurricane Ike and the months following, I felt the budget become very tight and attempted to keep up on all payments in good faith.

As the balance got to just a few hundred dollars and I was in sight of paying the account off, I paid the account just one time late and it snowballed into a disaster with late fees and an APR rate of 29.90 percent. There are continous phones calls. They would send letters by mail and once even sent an overnighted letter asking me to contact them at specific phones numbers. They said they would work on a payment plan for the small balance to avoid costly fees. These phone numbers never worked. Nor did the phone numbers on the statements other than the regular customer service.

I talked to them and asked them about a payment plan to pay off the very small balance of less than $250.00 but the fees have skyrocketed the balance and they are intent on collecting all the fees and the 29.90 APR increased. My sister cares for my 76 year old mother with a heart condition and despite her request that they stop calling her home phone. Her home phone is not my contact number but they indicated they would continue to call and harass my family.

I even gave them my e-mail address and even appealed to Sears to see if they could intervene to stop the harassment. They were not very sympathethic or concerned that Citicard was treating their customers, now former customer, in such a terrible way. Even to the extent to harass a sick elderly lady. the adverse situation with Citicard has caused stress not only to me but to my mother who has a heart condition and her cardiologist is outraged.

Now, all the cards I issued by Citicard has sent me letters raising my APR rate to 29.90% despite the good payment history. I hated to lose one of those cards as it is with an electronics store but in the worsening economy when it is harder to buy food and gas even, it is better that we stop using credit cards and go back to paying cash. Now look at the headlines today, CIT Group has filed Chapter 11 bankruptcy despite a huge bail-out.

I too received a letter from Citicards recently informing me of the interest rate increase from 19.99% to 29.99%, either accepting those terms or opt out. I called them and asked to speak with a manager, she said that the ONLY other thing I could do is to turn the current balance into a loan with the current 19.99% interest rate!!!??? Are you kidding? A new loan is all I want. I told them repeatedly that this letter is highly unacceptable and in VERY poor practice. Oh, they did say that this interest rate increase was to be able to give credit to other consumers,...so now I have to pay for someone else to have credit? Where are the lawmakers in all this? Who is getting more of my money? WHO WILL DO SOMEHTING ABOUT THESE COMPANIES INCREASING THEIR RATES AND NOT STOPPING? This makes me want to just stop paying them.

December 2008 I transfered mileage from my mother's acct to mine, there was no fee to do this, Delta airlines accidentally charged me a fee. I did not know Delta did this, I thought it was Citicard, so I called Citicard to find out what the charge was for, but the customer service person did not even know what the charge was and said I purchased something out of the US. I told her I have not left the US and she said well I do not know what the charge is and would not remove the charge.

Then in Feb. 2009 I got an email from Delta apologizing for their error. I then called Citicard again but they would do nothing to help me by removing the unneccesary charge from my acct. I did not pay it since it was in error. I wrote a letter twice to S. L including the email from Delta saying the charge was in error, but it has ended up being a waste of time. One of the responses I got back from S. L was so off the subject I wondered why she bothered to response back to me. You would think upon receiving proof that the charge was in error that Citicard would be reasonable, however that was not the response.

I started out trying to solve this mess before it got out of hand right after it happened, then shortly afterwards I had some major health problems and could not continue with trying to fix this. In September when I was able to start trying again to fix this I wrote to a Terry D in New York hoping someone would be reasonable. She never even acknowledge my letter. So here I am still trying to fix this mess before the finance charges on $4.50 end up being straight out more crazy than they are. I have always paid my balance in full and I do not like having finance charges that have no reason in being there in the first place. I do feel Citicard is stubborn and uncaring and really does not want to solve this unless forced to. Which is really sad on their part. I certainly hope this does some good, it has gone on long enough and I do not know what else to do. I would like to change credit cards, but this needs to be solved first. I have no respect for Citicard or the people who work for them. Thank you.

I recently received a letter from CITICARD informing me that the interest rate on my card would be increasing to 29.99% beginning November 1, 2009. I am not in default and there is no reason for the increase. The increase on my card will pose increased hardship and possibly the inability to continue making payments.

I am one of thousands that had a Shell Mastercard and was sent a letter by Citi that my account was closed. I had my account for almost 10 years and never missed a payment.

This new rate increase is an embarrassment to Citibank. I have two mortgages totalling $600,000 and I have a 15 year credit card relationship CitiGroup. I plan to close out my relationship with Citigroup. This latest credit card manuever is a repugnant move. I'm unemployed and still paying well above my monthly amounts including interest. Citigroup should be sued for purposely devaluing the company. That is, not only will the bad customers leave, by the way they were going to leave anyway, but now the good customers will leave as well. Citigroup won't be able to pay back the TARP money as a result. This could have been avoided. I hope the government takes Citigroup apart piece by piece. Every Citi executive should pay back salary for such irresponsible behavior.

I too have received the same letter from citicards increasing interest to 29.99%, this after they cut off my credit line several months ago "due to a credit report". Like everyone else posting here, I pay my bills on time and have been a citicard customer for over 20 years. This is just plain robbery. For what? So all the execs can get their big bonuses again this year! When is this going to end?

I just received notice that my APR is going up to 29.9 percent (from 13 percent starting in Jan) on December 15, though I was supposed to have an interest free promotion until Jan 15. If a car dealer did this, wouldn't it be bait and switch? Isn't this fraud? I have to take from my 401K to pay off my dental costs before Dec 15 or I'll be paying a wopping $580 dollars in interest.

I have also received a letter from Citicards stating my APR will jump to 29.99%. I checked the Truth in Lending Act and also the Credit Card Accountibility, Responsibility & Disclosure Act and I believe Citicards may be breaking the law.

Around two months ago I received a letter from the named Credit Card Company,offering me 7.99% interest if I closed the account, if not it would go up to 14.99%. However, having read that if you close out the credit card it will hurt your credit score. I decide to keep the card since this was an older account. This past week I received another letter from Shell Mastercard, informing me that they were closing my account, at 14.99% interest. Keep in mind, I had never been late, missed a payment, always send more than was due, and was a good customer. Their reason; too many revolving charge accounts, and they refered me to Equifax. Since I already subscribe to Idenity Guard, it enables me to keep up with my credit scores any time I wish. My score was 762 with Equifax, and the numbers were about the same for the other credit report agenty. How can a company that you have never been late with, all your other bills are in order, and your credit scores are on in the upper 700.s just close out your account at an interest rate of 14.99%? Had they have told me in the letter two months ago that they were going to close my account. Then I would have taken the 7.99%, and let them have their card.

Do we have no protecting al all from this kind of action that is being done by banks? I welcome you to check my credit reports, and while I may be in debt, they are all payed on time. Two things, I shouldn't have to pay 14.99%, and surely you can see the under handed nature of this situation used by Shell Mastercard. Number 2, my credit scores are very important to me, and I should not suffer my score to go lower because of them. If they did this to me, then you can believe that there are more people being done the same way. When I called them, they refered me to the Equifax credit agencuy. In which I replied: "I just looked at my account and there is nothing wrong with it. Please help me, and all those who are being stabed in the back by the banks. What other action can I take?

I tranferred a balance from adifferent card to this card at 1.99%. Then I did not recieve my statement, which sent me into defalt at 29.99% or opt out. Then iin the process of this all happening I haven't received my next statement either. They have the right address but are they not sending out the bills so they get the higher rates ? I have to remember to go online to get this statement until I can transfer the balance. What a rip off on Citicards part!

So we called Citicard and they stated they were getting tons of complaints but that their unchangeable policy is that they are closing certain accounts they deemed to have too much risk. I pointed out to them that we had never missed a payment to which they agreed but that their risk department was who made the decision and it is not possible to speak with anyone who was involved in that decision.

So at this point we have a 'dead' account with a $14K balance that we will pay off because we are law-abiding citizens. Our unchangeable policy is that we don't do business with people that treat good customers this way. From the many complaints on this site I can see we're not alone in our feeling that Citicard is way out of line here.

Since Congress pass the new credit card law, my interest jumped to 19.9% and now this week I get another letter that it will jump to 29.9% & there's nothing I can do since I have a balance. It's very frustrasting, I feel like I'm just trapped with this.

I believe CitiCards is doing something fraudulent that needs to be investigated. I've been a stellar customer for over 17 years, always paid on time, always paid more than the minimum amount due. A few months ago I received a phone call from them that my payment had not been made. I immediately went online to my bank account to see that the payment had not cleared, even though I mailed it on the same day as three other payments, all of which had cleared my account already.

As the CitiCard payment had not posted, I immediately paid them via my checking account to rectify what they were deeming a "late payment." I expressed my concern that this not affect my credit standing, the payment had been mailed early, I cannot control the postal service or what CitiBank does with it -- they assured me it would not. I don't think this payment got lost in the mail -- I think CitiCards destroyed it intentionally to create this "default" against my account.

Now I, too, received the rate increase to 29.99% from 14.99% -- doubing my rate, with only the option to opt out and close my account, which will also harm my FICO score. In sharing this dilemma with someone I work with, she stated that the exact same thing has happened to her husband's account. He too, had mailed the payment, but they called to say it was late. They've done the same thing to him, forcing the opt out. I truly believe CitiCards has fraudulently destroyed payment checks to give them ground to stand on with this corporate greed rate increase. What are the chances that in 17 years my mail payments always arrived without issue and were posted timely -- and now within the span of several weeks, I learn this has happened to not only me, but a close friend, too!

Please look into fraudulent activities at CitiCards! In tough economic times they're citing their need to do this to extend credit to others! What about the tough economic times their stellar current customers are facing? We've taken salary decreases and salary freezes! I've still paid them their money due each month, faithfully and on time -- now they turn around and inflict this shameful and harmful action upon us!

I am attempting to transfer my balance, as I do not want to pay CitiCards another penny of interest. However, as I'm now working for a salary at significantly less than I formerly made, as is my husband, our gross income had dropped nearly in half. I'm having difficulty getting another card to accept a balance transfer. The CitiCard account being closed will negatively impact my lifelong credit standing and good FICO score. I've worked long and hard for over 30 years, life should not have to come to this because of a greedy corporate entity that is going unchecked for unfair consumer practices.

I have been a Citi card member for 17 years ... I have never missed a payment nor carry a balance on any of my 3 citicards ... I received a letter in the mail stating my card would be closed if I did not agree to increase my 25,000 limit card from 15% to 29% ... I called and they would not change my rate back nor give me a reason ... I also have 2 other cards at 4% and 7% ... what is wrong hear? ... the problem is I use my card and pay it off ... so I do not agree to a 29% rate, they will close my account ... again I have a++++ rating and never ever missed a payment

After having a credit card with Citibank since 1984, they raised my rate to 29.99 with an accept or opt out option only. No explanation. I have been a faithful user of the card and generally don't run any balances. I now have to opt out of my Citi card after so many years with them.

I have 3 CitiBank credit cards. I use all three for low interest balance transfer cards. I've been a customer for close to 15 years and have always paid on time because I didn't want to lose my low interest rate.

I called CitiBank and told them they I would rather default on the card and file bankruptcy than pay 29.99%. Even though I've never filed for bankruptcy before, I do realize what bankruptcy means to me and my family.

My husband called his credit card companies and found that 2 out 3 of his cards are doing the same thing.

I've written every congressperson I can think of to help fix the situation but now-a-days, I have little faith in our congress.

Hopefully, something good will come out of this situation. But that will only happen if enough people stand-up for what is right, even if it doesn't help that person personnally. The banks do what they do because they only care about their bottomline . . not the person or that person's family.

I have been getting repeated alerts on my account. They say that there might be fraud, and freeze my account. Each time they do it, it has been me buying something. Once I bought some clothes for $20, and they froze my account. I had to call them that it was me that was making the purchases.

A few months later, they froze my account again saying that there was a high risk to my account. I called in, and they told me the reason why they thought there was high risk is because I hadn't used the account in a few months. I had my account frozen again because I signed up for paypal. I did not even purchase anything. All I did was sign up. I also had my account frozen because I bought a ticket for public transport worth $10.

Each and every time they alert me of potential fraud, there was no fraud. I think they have a highly sensitive system, and it makes things highly inconvenient for the customers. I am sick and tired of calling them each time I make a purchase. The worst part is, when there is actually fraud, Citicard does not do anything.

I think their customer service is horrible. I went on google to type in Citicard complaints, and this website is the only thing I found. It is sad that they don't even have a complaints department. This just goes to show the disregard they have for their customers.

Been a customer for many years and paid on time. Have excellent credit rating.Recently had my credit apr raised to 29.99%. Was given choice to accept or opt out. I have the ability to pay off my balance but believe that citi should be held to the same lending rate standards as anyone else in Texas.

"The variable APR for cash advances is being increased...As of September 15, 2009 this cash advance APR is 29.99%"

The option is to 'opt-out' which will close the account but leave the rate at 18.99%.
I called Citibank. They confirmed that I am not late and there is "no problem" with my account and told me they are "increasing the rates to 29.99% across the board to everyone. I'm sorry, there's nothing I can do."

How can the answer from Citibank be true??

On their website homepage they are offering 0% promotional terms!! So, is this an error on their part? Is this gouging? Is it misleading and fraudulent that they advertise '0%' and then increase current customers to 29.99%?
Obviously someone who cannot pay off as aggressively will REALLY get hit, I cannot imagine making the 'minimum' payment under this new interest rate.
What is this doing to Service people? Students? Elderly? This is gouging. Citibank is acting more like organized crime than an organization.

I don't want an attorney to contact 'me' I am requesting that your organization leverage all available resources against practices like this. I have contacted my senator, the FTC and the White House. Everyone who is faced with this letter should do the same. "The squeaky wheel can at least be heard". Thank you.

Received a letter stating that my interest rate was being increased to 29.99% on 11/30/09. When I called found out it was for no reason other than that Citibank needs to get some money in there pockets. Didn't we already bail them out? I got this credit card when I was 19, now 20 years later, and maybe 2 late payments by 1-2 days, they are raising my rate. I have always paid off my card in good faith. I always counted on that card when I needed it, but now, it is going to sit in a drawer until it expires and I can cut it up.

I have been an excellent customer of citi card for 6 years, always paying more than the minimum due and ALWAYS paying on time. Without telling me, they jacked up my rate (from 3.9%) to almost 26% (25.9%).Then, even though I paid early, they assessed fees of $110 dollars. Moreover, they shut my online paying capacities down and wouldn't let me pay them over the phone. I am now 7 days "late" They have been calling no less than twice a day and sometimes up to 6 times a day. I am trying to pay them via my online banking, but they won't tell me my account number for "seurity reasons.

Even though i have never even once been late with a payment, I have received a letter stating that the interest rate on my account is being raised to 29.9%! My choices are to pay this loan shark interest rate or close my account.This is an insulting way to treat a customer who has been loyal and timely in making payments

Like others, I recieved the letter in the mail announcing the new 30% interest rate.

What I don't understand is how Citicards (and their parent company, whomever made this decision), doesn't seem to realize how INSULTING this is. Yes they have the right to do something like this, and I will be closing down this card and getting a fixed rate credit card through my local credit union. When I have work hard lately to pay off my balance regularly and pay on time, for them to give me a rate that is equal to a default rate is just plain REDICULOUS!

GOODBYE and GOOD RIDANCE to CitiCards!

I got a letter in the mail saying they were raising my rates from 15.99 to 29.99. I called them to find out what was going on. they told me that it had nothing to do with me, they have to raise rates across the board to "better serve their customers".... How is this legal? I pay more than my minimum payment every month.

I have always paid my bill on time and always more than the minimum. I had to choose the OPT OUT option to keep the current interest rate. I have been getting more and more of these kinds of letters from my other credit cards forcing me to OPT OUT. This is so unfair since it is my tax dollars that are saving these companies. Once all my cards are paid off I will never use a credit card again.

29.9% seriously? CitiCard is going to rape my bank account dry. Anyone successful in getting them to stop this? What does the OPT-OUT do? I'm looking for a new job tomorrow.