CitiCard

We have been receiving at least a computerized phone call every hour to our business phone at our home. I have called and talked to several managers and it was determined that the individual they were attempting to contact has never lived nor had our phone number. But the calls will not stop! This is without a doubt consumer harassment!

I have no idea who else to contact. I have had a Shell Citibank card going on for 10 years. Payments were always on time and the balance was well below the limit. I am an 88 year old woman with one authorized card on this account for my grandson. We had a payment due in October that fell on a Sunday, the payment posted on a Monday. 30 days later, our interest rate jumped to 29.99%, making my minimum payment $135.00. The card is now maxed out as I am on a fixed income and my grandson was laid off. We made the minimum payments, but had no way to make any headway on this card. I hold two other cards with 12% rates and are in good standing. We called Citi for help and were told there was no help available. I also have a Sears card (now managed by Citi) with a zero balance which was my backup emergency card should I have to make large purchase for an appliance, water heater etc.

Shortly after my call to Citi, I got a letter in the mail saying they were closing my Sears account because of "delinquencies" on other Citi accounts. I have an auto loan and an equity line and two cards, I have never been late on a payment so I am not sure what delinquencies they are talking about. I called Citibank again and asked them for help with the interest rate or if we could close the account and enter into a quick payoff agreement. The customer service person told me no, there was no "hardship programs" available at this time. The only way to do that would be to default on the card and then collections would take over. I asked her again to repeat that and from what I understood, Citi was not willing to help a member make equitable payments to fulfill my agreement and get this card paid off unless I defaulted. She said "Yes, that is the only way to get a payoff agreement."

It was then I decided no more payments to Citibank. I allowed the payment to lapse. Starting on March 17th, I received no less than five calls a day at my house from Citibank starting as early as 7:55AM and this includes Sundays. I documented every call and the time which netted over 70 calls in a 3-week period. After a few weeks, the calls finally stopped and I got a letter in the mail stating I was behind and to call Citibank to work this out. I called Citibank on 5/10 at 6:00PM CST and was told the letter I got was not a collections letter and they could not help me until I was in collections. The letter stated Citi was about to report me to the credit reporting agencies. The representative on the phone called the "settlement department" who refused to help or speak with me until my account was in collections. The balance of my card was $3990.00 in March. It now has over $350.00 of interest and penalties.

I offered to pay $400.00 per month as a direct draft from my checking account to get this done and over with. They again refused, I cannot pay this card off with this interest rate. Citibank is a predatory bank and at age 88, I could care less about my credit or how they think they can affect it. I feel that if a customer calls a bank and makes a good faith effort to make reasonable payments, the bank should help the customer instead of doing more harm. This balance will remain unpaid until Citibank extends to me a bit of help. I am in no way disputing the balance on my card, I am filing a complaint regarding their business practices as a whole.

My son is behind in his credit card payments. He is overseas. They have his email but not a phone number and neither do I. They keep on calling me about him, and are very rude and aggressive. When I say, "He is 35 and so why ring me?" they say because I am next of kin! I say, "So what?" and they stupidly reply "next of kin" again. They are intimidating and harassing me for no reason whatsoever. I have told them one more call and I will sue. I am not a customer of theirs and never will be! What a bunch of cowardly bullies.

I spoke up about unfair ways and they threatened to close my account - While disputing CitiBank's actions to lower my credit limit, I have encountered the following. I have been in communication by phone, email, and letters with 2 representatives from Mary ** and Deborah ** of the Executive Response Unit. CitiBank said that they lowered my credit limit because of outstanding balances with other creditors and cited no specific examples from my credit report. I guessed that there was an issue with a Discover Card account which did not belong to me, and I took action to have it removed from my credit report. It was removed.

In spite of my efforts to resolve the vague issues that CitiBank refers to as bad credit (even though my credit score is in the 700s), they have denied to restore my limit back to what it was, thus now it looks like I am about to max my card out, which is unacceptable to have on my credit report as a result of their actions. I offered a reasonable resolution that would help CitiBank and help me, and the response was, "If you continue to contact us about this matter, we will close your account." To summarize, CitiBank has communicated to me that they cannot identify any specific accounts or trade lines on my credit report that they deem unsuitable to retain my credit limit. I have not opened any new accounts since 2008 when I began the lease on my car. My debt has decreased significantly since 2009 and I work hard each month to continue to pay my debt down.

I have a right to dispute the actions of CitiBank. As of matter of fact, the letter they sent me from March 12, 2012 said, "If your credit report contained incorrect information, please send us a copy of your updated credit report within 60 days and we will be pleased to reevaluate the decision." I did this and then they still came up with excuses of why Discover being off my account is not enough for them. I believe they had no intention of ever reinstating my credit limit no matter what changes I make on my credit report. CitiBank has done this same thing to people who have been late on their cards, which I have not been late ever and I have kept my end of the credit card agreement, so they have no reason to do this to me.

Mary ** stated on one of our phone conversations that if I do not want to make it look as if I am about to max out my card, then I should pay more on my card each month. I do pay above the minimum balance, but it is not the suggested amount they give you on your statement. It seems to me that CitiBank is using the lowering credit limit tactic as a means to get more money each month out of their customers. Their letter dated 4/25/2012 says, "If you continue to contact us about this matter, we will close your account." This is basically a customer service maneuver saying, "Shut up, we don't want to hear from you again."

This is them being the big bully corporation that they are, and using threats to scare me from fighting for my credit score to stay the same and not be ruined because of them. Bullying is illegal in many states, so how can they be allowed to do this to me?

I spoke with Aaron, the manager, at their 1-866-435-6176 number. We were promised a new modification on our account for $6k. This was promised by Doug on the the 13th of April. I called this week on the 24th and was told they could not do it. This is nonsense. Where is all the TARP money that was given to these crooks? Meanwhile, we are stuck with high interest payment of $250 per month. All interest, nothing towards principal. Citibank has always had a bad rep. Stay away from these banksters. Btw, the CEO was just paid $13 million. It must be nice to be a bankster.

A year ago, we entered into a payment plan on our credit card because we were struggling making payments due to unemployment. Citi was automatically taking out the payment each month. They just stopped and now I get calls from a collection agency. We never received a bill or any communication. The collection agency rep told me that I should have remembered. I guess I am supposed to be telepathic and know the minimum amount due and the due date. Citibank is once again engaging in fraudulent practices.

I needed to obtain dumpsters for loading debris from an old shed on my property. The company insisted on a credit card number in the event of damage and would not accept a check. There was no damage. However, the dumpster company charged my credit card for overweight charges. I was not informed until after they had the money.

I called Citibank the moment I learned of the unauthorized charges. I have been trying for eight months to convince them the charges were not authorized nor warranted. In addition, the merchant forged my signature. Citibank has strung me along and had no intention of doing anything to assist me. I was told I did not submit forms, which I sent to them. Also, I was told I submitted too much info for them to read.

I was very diligent and took the time to learn the dumpster business and the State laws, as a result I was able to explain to Citibank how they rip-off their customers. Citibank had no interest or didn't bother to read the info. Citibank talks a good game and strings you along and finally tells you they can't help you. They did suspend the charges for a time, re-billed them and I paid them. I had 3 Citibank cards which have been cut up.

I obtained a credit card from Citi to get airline miles. Although I met the requirements quickly, I was informed that miles could not be credited in a timely manner - perhaps several months. Be careful, if you need miles quickly even if you had met the requirements, they will not honor for a prolonged period of time.

I spoke to a Citibank account specialist and we worked out a repayment plan since I was out of work and not unable to make my monthly payment for around 6 months. In that time, they were able to charge an extra $2000 in late fees and interest on a $3000 balance! Do not get this credit card! They are the biggest rip off liars that I have ever experienced! To make matters worse, I began my repayment plan 5 months ago and there is no evidence that payments have been made except from my bank account! With that, the account has now been charged off since according to them the payment wasn't enough to cover the late fees and finance charges! Why did I start a payment plan?

I was told by their account specialist this wouldn't happen as long as I made my monthly payments! They lied! I have paid over $1000 in the last 5 months and my account balance hasn't gone down, it has gone up! This is outrageous practice and Citibank should be held accountable for this type of action! I now have some collection agency harassing me about payments since they do not have a record of the last 5 payments! I will never ever use a Citi card again! I plan to inform every person I know about this card and advise them not to use! If you have canceled, save yourself the trouble. Citibank, you suck!

The amount that I applied to borrow on the Citibank credit card was $20,000. The estimation of that amount is based on my wage. I called the bank up to find out my balance and to my surprise, my account was overdrawn by $3,600. This should not have occurred. It will put family in bad financial difficulty.

I have been a Shell gas credit card holder for 25 flawless years and I use my gas card for business so it is paid through my office. On 3/11/12, I received a phone call from Citibank collections stating that they had not received my prior month's credit card payment. First thing Monday 3/12/12, I called my office regarding this. They had received the statement but it was late and had already mailed a payment around 3/8/12, which Citibank deposited on 3/16/12. Prior to them contacting me, they already reported to the credit agencies that I no longer pay on time, pay 31-60 days late, was $ 26.00 past due, and owed $417.00, which cause my credit score to drop 100 points.

In 2011, I took advantage of a low interest balance transfer from Citibank on my Citibank Advantage MasterCard. Although it was good for six months, I paid off the balance transfer in 2 months. Then I noticed that I was still getting interest charges related to the transfer on my account. I called Citibank and after much back and forth, they admitted that in order to completely pay off the loan, there can be no activity on my card for at least 30 days. Otherwise, the manner in which they process payments, always applies payments to anything besides the transfer. I then made sure I had a zero balance on my card for 45 days, checking their website daily to make sure there were no unexpected charges. I then called again and they reversed the interest charged and I thought the matter was resolved. Lo and behold, several months later, March 2012, there is another interest charge on my account. I called again today, 3/23/12, and spoke to a supervisor and they said they could reverse it but basically they are going to nickel and dime me forever. I plan to return the card to Citibank.

However, I'm writing to you to make sure you are aware of their deceptive practices. The charges are less than $1 so many people may not notice them. I want the charges reversed and assurance that they will not be charging me anymore interest on a transfer I paid off in 2nd quarter 2011.

Four years ago, my husband of 25 years committed suicide. He left suicide notes, one in which, he stated that he had used my information without my knowledge to open many accounts. I have 5 children and had to deal with countless issues surrounding his death. Settling nearly $100,000 of debt he took out in my name was nearly a full time job for the next 2 years. Most of the credit card companies accepted the death certificate, suicide note, police report number but not Citi! They then turned it over to the hounds of hell debt collectors who called and harassed myself and my children on a daily basis, necessitating me to disconnect my land line. Of course, this adversely affects my credit score also.

So this year, I received a Form 1099-C Cancellation of Debt form from Citibank and learned that I was to pay taxes on it as this is considered income. So in protesting and disputing this, I have talked to the police, the Attorney General's Office and finally noticed a number (800) 846-8444 - Internal Recovery on the Form 1099-C. I called this number and reached a terrible connection to India, of which I could barely understand the gal. After being on hold, she told me to fax a copy of the 1099-C to this number 877-825-1726 and I would receive a fax acknowledgement of its receipt and it would be taken care of. I faxed as I was told, and received no acknowledgement.

The following day, I faxed again with a cover sheet stating that I would like an acknowledgement of receipt of the fax, I received nothing. So today I called the number that was on this review 800-756-7318 and as the person who posted it said, I kept hitting 0 and finally spoke with a gal who spoke English and who was very pleasant to deal with. She tried the number I gave her, which had to do with identity theft and concluded they couldn't help. She then put me through to a man in India again, poor connection, difficult to understand. Of course again I have to go through the entire history and he proceeded to ask me about employment etc. which I refused to answer, as all I was trying to do was to find out if the fax had been received and all the information they had for me was never what I had given them. He then told me that they had received both of the faxes but it would take 7 to 14 days for them to be evaluated.

When I asked why I hadn't received an acknowledgement of receipt of the form, he said that they don't do that. He said to call back in 7 days for the decision. When I asked him if I didn't have the number he had just given me to call him back, how would I know I was to call? (BTW, if this helps the number is 888-891-2873 IRU Dept.) He said he would have to direct me to someone else to answer my question! What an ongoing nightmare!

I still have no answer, and as far as I am concerned, Citibank is in league with the devil and I will never want to have any dealings with them. Apparently, they can lie, deceive, & harass and I'm the one who pays for it in every way!

They lowered my credit limit by $2,000 without advising me first, despite my perfect payment history. They lowered my credit limit basically to $50 above what I spent. They also did not apply over $1500 of my payments to my promotional balances first. So after they lowered my credit limit, they piled on deferred interest of about $1000 which took my over my limit. So I closed my account and I am continuing to pay the balance as I always have. This will be my first and last experience with Citicard. In short, they are scam artists.

I despise Citibank. They claim that nearly $7,000 in fraudulent check have been written against my Citibank credit card. I have been fighting them for more than 2 months. Each person I speak to have no idea of any previous phone calls, because their records do not show that any prior conversations took place. The late fees now exceed $400, and it is affecting my credit score. There is no one in charge at that almighty bank. They quickly take your money, add charges, make accusations, and then there is not one that you can speak to accept uninformed and rather dumb phone clerks, who offer no help. I am so angry and cannot get any help from Citibank!

Citibank has been charging me $30 every month for the last 2 years, calling it a "Credit Protector Fee," without my consent. I unearthed this practice for the first time in December 2011, which is when I called them to remove all charges. Citibank then claims that I need to call a separate entity to settle this. Why should I call a separate entity when it's Citibank who has been charging me $30 a month for each month on my Citibank credit card? Regardless, in December 2011, I called this separate entity called Credit Protector and they promised me that they will take out all charges. There was no action taken from either Citibank or Credit Protector to remove the unjustified charges.

It is now March 2012 and that has not happened. In the meantime, between December 2011 and February 2012, Citibank has already charged me $285 in late fees and charges. I don't know who to call to resolve this matter. I have not used this credit since December 2001 when the fiasco started and I will not make any payments towards this credit card until this matter is resolved and Citibank pays me my money back. On behalf of everyone else out there, I want to sue Citibank for cheating and lying to its customers.

I received an email from what I thought appeared to be Citibank with an address of citicards@info3.citibank.com. The email address looked suspicious because of the way the address appeared and because the content didn't quite make sense. The email explained that my credit limit was reduced to $14,640 and my balance was $14,451.22, leaving me $188.78 away from my limit. I called Citibank to verify the information in the email and the customer service representative confirmed that the email was a result of "Experian alerting CitiCards regarding derogatory changes to my credit report". I found this impossible because I checked my credit about 4 months ago and it was above 700 and I have not been using any credit nor made any late payments on any accounts.

While I had the representative on the phone, I quickly logged into my Experian account and paid $39.99 to receive 3 credit reports and 3 scores from Experian, TransUnion and Equifax. None of the credit reports advised me that there were any derogatory accounts or negative information. In fact, my credit scores were 720, 722 and 724. The representative explained to me that there was nothing she could do except read information from her computer (a script) and ask me if I'd like to submit a re-evaluation, which she said takes up to 3 business days to see the results (basically a tactic to get me to say "yes" and get me off of the phone, cool off and call back in a few days). She then asked me some questions that seemed very doubtful in determining my eligibility to have the account limit reinstated. She asked me what my income was. I wondered how that information can be verified? I could have said anything.

So this led me to believe that the question has nothing to do with any true type of underwriting or any actual account review. This was simply a method for leading me to believe that "something else could be done" about my credit limit decrease and that "there was still hope", that CitiCards could change their mind and reinstate my $21,400 credit limit - simply a tactic to get me to hang up the phone, calm down and look for other alternatives. A day later, I received an email message regarding my CitiCards account and it explained that they made a decision to reduce my credit limit because "Experian" "credit report indicates a substantial number of debts owed to other creditors.

The only issue I can see with my report I checked on March 2nd is that my student loan company, Sallie Mae, listed some of my loans, the same loans, more than once, taking up multiple trade lines. Also, I have paid off and paid down other accounts within the last 12 months. Citibank claimed that my credit activity is the complete opposite of actual status of my accounts and credit activity. Otherwise, there were no clear and transparent issues with my credit reports and scores from all 3 bureaus. Citibank decreased my credit limit for vague reasons, or no reasons, or reasons that cannot be explained in detail by Citibank or any credit bureau. My account has been in good standing for many years. My payments were on time since I had the account in 1997. I made my best effort pay down the principal balance by making more than the minimum payment within the last 12 months.

Usage on the account was minimal in effort to pay down the balance. I have been in compliance with all of the terms of my Credit Card Agreement. Therefore, I need the credit limit restored to $21,400 as soon as possible. In 20 days or less, the credit limit decrease information from Citibank will be released to the credit bureaus resulting in a dramatic decrease in my credit score. Citi's lowering my credit limit will also severely damage my relationship with other major creditors, including my insurance company, opening the door for them to follow suit by raising rates and more decreases in other credit lines. In the grand scheme of things, Citibank is now negatively affecting my entire financial outlook.

I have had Sears/Citibank card for 12 years, always paying it off in full every month. I noticed an unusual charge on my January bill (did not match my receipts), and discovered I was charged a late fee. I knew I had mailed this day in advance and wondered what the heck? My statement showed the bill was due on December 25. Now, obviously there is no mail delivery on Dec 25, and probably no one working in the accounts receivable office that day either.

I wrote asking that the late charge be dismissed, but they wrote back saying "no can do". I closed the account (although not sure it is actually closed?). Since then, I get a new bill each month charging another late fee for not paying the earlier late fee. I now owe over $80 (and climbing) in late fees. I owe absolutely nothing in actual purchases. I am livid, and they can rot in hell, I will never pay this.

I have had a Citi credit card for12 years and have never made a late payment (up until two months ago). I had built up a credit line of over $16k and because of one late payment, Citi reduced it to a mere $3400. So I decided to pay off my balance of nearly $3k. Once I paid it off in full, I called Citi demanding that they close my account because I was very upset with the fact that they lowered my credit line so drastically. The service rep was very understanding and asked if I would be willing to speak with upper management about this issue. I agreed to do so. I let the manager know I have excellent credit and have always paid my bill on time. He said he would do everything possible to get my credit line back to where it was before the late payment. He understood where I was coming from and even acknowledged that what Citi had done was not right, being that I had been such a loyal customer for so long.

So he said Citi would send me a confirmation email with an update about my account. I was happy to hear that. About 30 minutes later, I received the email stating, "Unfortunately, we are unable to approve your request at this time." As you can see, I was livid! So I called Citi right back and had my account closed. The new rep I spoke to was also extremely understanding and said I had every right to be upset. She fulfilled my request of closing my account. I don't have any complaints about the service reps because they were very willing to do everything in their power to please me. My complaint is directed at Citi and their ridiculous policies.

A credit card delay is more than the agreed 2 weeks and counting. I will be traveling to U.S. next week with no credit card. Please act ASAP.

I am very much disappointed with your credit card changes. Ridiculous and unacceptable. My bill was around rm6k and it reaches rm10k? This is day light criminal, cheating people in such way. I delayed my payment for two months and it reaches to rm10k without using the card at all. What nonsense is this? I want to credit transfer to other bank and close this account. Bloodsuckers. I will pay off full amount the bill in a month time and after that, I definitely will be going to press on this thing. Citibank is cheating people and I am very frustrated. My credit limit is rm8000, but how the hell did it reach rm10000? Bloodsuckers. The interest charges reaching rm4000?

I have been paying down a balance for five years now. This balance started at around $5,000, and is now only down to $2,900. I am disgusted to find out that the way they thank customers for not defaulting, is by raising their APR to 29%, because of a couple of missed payments. These payments were made, but made late, because I was unemployed at the time. I have been honest and determined over the years to pay this off. They say because the account is closed, there is no way to adjust the APR. I find it unbelievable, that the APR can go up, but not down. During this economy, banks (especially) should be doing what they can to help people, who do the right thing. I will never do business with crooks like this again, and I only hope that there are laws passed, that will protect consumers against practices like this. You should not be in debt to a credit card company for the rest of your natural born life.

They have been sending the statements out, you have 12 days to mail the payment and even if you mail the payment within the 12-day time period, it shows up late by one or 2 days. I've called them about it and they say they are not responsible for late delivery or how long it takes them to process it and tell you to get online banking in which only the minimum payment is allowed to be paid. They are crooked.

On 2/21/2012, Citibank mailed me a new debit card. I activated it and I have my bus unemployment going to this account. I called to check my balance and they said that my account was closed. 2 weeks ago, they did the same thing and they did an investigation on the account. They verified everything and they opened the account back. So I don't understand how they then mailed me out a new debit card and then tell me that I don't have an active account.

This is a hardship for me. I have 7 children to take care of. I need my direct deposit money. I also left a balance in my account and they said that there is nothing there in my account. I am lost for words regarding this. Please assist me with this issue that I have with this problem. Thank you for your time.

Citibank has twice overcharged me so far this year. In December 2011, they played their usual Christmas trick of holding my payment check in their office for a week before cashing it, and then charging me a $39 late fee. Check was mailed on 12/24, and Citibank claims they received it on 12/29, or 2 days late.

They do this every year. For December & January, I noticed a new $24 Finance Charge. Checking the fine print, I see that they've shortened the grace period to 20 days, but they only bill every 30 days, so it's impossible to avoid charge! I've stopped using the card entirely, since I have a couple of others that are more honest.

AT&T Universal MasterCard. Citi Bank. I have had this account for about 8 years. Always in good standing. I have been late twice by 2-3 days in 8 years. I called on 2/9/12 to make the payment and the payment had doubled. When I asked for an explanation I was informed that my interest rate increased from 7.9 to 30%. I have had that rate for at least 2 years. His reply that was only a promotional rate. Said he has no bargaining power. I would like to keep my credit in good standing. I need advice. I told him that until they continue the same interest rate, I will not be taken advantage of. Please contact me by mail or phone. This is my work email address, except for the confirmation that you received this.

I've been a customer of Citi since Feb. 2006, with their credit card division. I sent out an email to Citi addressing my concerns regarding false information printed on my credit report in November, and the following is the summary of action which they have promised, and now going back on their word. I had opened 5 credit card accounts with Citi when I was a student. I was unable to pay all of them at once, and hence opted for monthly minimum payments on all of them, to pay down the balance in accordance with the collections rep from Citicards. However, after one year of payment, the monthly payment checks were not being processed with Citi, due to the customer service rep not entering my information properly.

Late payments were reported on all of my accounts, and damaged my credit rating. But still in a good act of faith, I offered to repay all of my credit cards, and I was put on a payment plan on all my cards. In 2011, I heard from a collection agent stating that I have a balance with Citi, and that had to be taken care of, which I promptly reported to Citicards, and I was assured that it will be taken care of. I was informed that my payment reports were being suppressed, and that they would correct it on my credit report, and everything would be handled in a professional manner. My case was assigned to Ms. Jodi **, who was helpful in the beginning, and just recently having had my credit reports pulled from all three credit bureaus. I was stunned to see that while I was making $30 payments regularly, which was over and above the minimum payment, they were incorrectly reported as $12 payments since the past two years.

Having brought this to the notice of Ms.Jodi on November 17, I was assured that the correct payments were to be updated within 30 days, and that my credit report will reflect the same. Two months down the line, I still see my credit reports stating the same payments. Upon confronting Ms.Jodi on the 17th of January about her assurance of getting my credit report corrected, she claims that only the minimum payments are reported, no matter however much I pay, and she refuses to answer further questions regarding the same.

Citicards reportedly fed me false promises of correcting my credit report, and removing every detrimental factor affecting my credit score, and it subsequently failed to do so on both counts. All of the bank reports are hurting my credit score, and even my balances are reported accurately, and Citibank declines to provide any documentation, with regards to the amount that I owe, nor do they take up responsibility for their actions. I hope to find a resolution for the same.

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)!

I called first time to inquire about higher interest rate. I 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 account. I looked online at my balance and there was a note stating "my account has been closed." I called back, again went through 2 people, and spoke with Crystal in AZ, another account specialist. She said the notes indicated I wanted to close my account and she wasn't involved in the conversation, so she couldn't say what happened. She defended the previous account 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 the account and I 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 account. I have been a customer for 9 years. 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 now have to transfer the balance to another account, actually 2 accounts, pay balance transfer fees, and no longer have a long term account. I have been in good standing with for 9 years.

I applied for a Citi Card 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. Needless to say, I got the paper in the mail today that said my APR on balance transfer was 18.99%. That's unacceptable. They falsely advertise a 0% on balance transfers and lie to you on the phone, and then when you call back, they claim they can't do anything for you.

On June17 of 2010, I called and talked to Aisha. I wanted to make my monthly payment and make my July payment also because I was having surgery and wanted all my bills paid in advance in case I needed a longer recovery. She told me that they had a 6-month interest free plan but I couldn't use my card until the 7th month. So, I agreed. At the 6 month mark, I called and talked to Jake, an acct specialist and asked him if everything was still okay and that my interest when I started using my card would still be 7.9%. He told me, yes.

Well, 2 months 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 runaround, 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 too much credit (probably with Citicard). This was wrong. I was never late and in my good faith to make sure they got their money. They kicked me out the door. With advice from my attorney, I am writing this letter as my first step. Please respond 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 later—suspicious? Who would I report that to? It seems obvious that they're running a scam to take advantage of consumers—put 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 month/12 month "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 monthly minimum payment, so the deal was simply changed without notice. It's not that I don't have $10 per month 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 month plus high interest on this account.

This is a complete scam they have going. First, it is

(e) beginning balance is not always the same as previous month's ending balance, no accounting and no explanation.

I've never, in my entire life, dealt with anything like this! And don't make the mistake of not paying their $10 even it is not even due yet. They call 3 times a 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 is "do everything you can to collect penalties and high interest from our customers".

I have had many issues with Citibank in regards to their unethical practices, fraudulent activities and their disregard for customer service. My account is closed with Citibank and has been since March or April 2010. I received a call from Michelle in collections and she stated that I had an outstanding balance of $617.23. I explained that I did not and that balance was cleared and that my account was closed. After several hours of being passed around from person to person, it appears that Citibank had issued a wire and a check for a credit on my card. I received the wire but not the check. 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, CitiCard 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 Citi Card, a few months ago, to their main branch in South Dakota. I thought everything was fine, 0 balance, now these idiots have sent me threatening letters and harassing phone calls to pay them for something I do not have. I just got a bill for $80 from Columbus, Ohio for something I do not have. These people do not listen. Help! Get them off my back!

I recently received my statement for my CitiCard and discovered that the interest rate had increased to 29.99%. I called CitiCard 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 CitiCard 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 an 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 pay 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 Citicard 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. I am pretty happy with it, I 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 shortpaid 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 impact.

I have been a customer with CitiCards since 1985. Over the past year, I move to another apartment in my complex, and notified CitiCards of the new apartment number. I received statements under my new apartment number, then stopped getting them, so I was late paying one month. I found out that they started mailing my statements to my old apartment number, which was why I was late paying my statement. After pleading with the senior accountant why my credit card was disengaged and explaining 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 balance. I received a statement in the mail stating that I owed a $60 membership fee. I 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 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 their 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?

Five 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 went back my hometown with bag and baggage. Unfortunately, at that point of time, I was not able to pay remaining outstanding of approx Rs.11,000/-. I came back to Delhi after two 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 Rs.10,607.65 from my Citibank salary account on 31-May-2010 without any prior notice/information.

Citibank made Rs.11,000/- to 96,000/- includes very high interest rate and additional charges. I am a service class person and having family of five members including 11 months old baby girl. How I can pay back Rs.96,000 to Citibank against Rs.11,000 since Citibank started to debit credit cards 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 two 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 three 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.

I'm not sure where to start but my biggest problem is I only owe Home Depot, Citibank around $2600. And, the problem is over the last 18 to 24 months. I have paid Citibank around 2000 or more dollars in payments on an 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 months. I cannot pay this account down and my other accounts have higher balances because I have to give so much to them at one time. My minimum payment due was around $500 for that month even though I was not even 30 days late. It's just plain unethical, probably illegal.

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 vocabulary and thick accents of foreign based customer service reps, I spoke to their supervisor based in US to discuss the matter.

The only thing she told me was that they sent me the notice back in December and that 29.99% would be my new normal rate, which notice I never had received. According to her Citi did similar adjustment to many of their customers and this change of rate is 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. My minimum payment amount is now more than doubled to almost $700. This is the same amount I pay for my 2nd mortgage with the fixed rate on 9%. Only difference is I'm paying more than $500 in interest with the debt amount is less than 1/4th of my 2nd mortgage loan amount.

I paid all my credit cards bills from time to time. But in my 26/03/10 to 25/04/10 bill, Citi Bank card charged us a late payment charge of Rs. 1029.29/-. We want the reason of the above charges. If you can refund charges, then OK, otherwise, I will surrender my Credit Card.

Both of my Citicards visa and mastercard were closed. My mastercard was closed because another bank had bought the card. My Visa card was canceled. When I called Citicard customer service to ask why it was canceled, they told me my Visa was canceled because Equifax gave them a new report that had delinquent credit information. So I freaked out and called Equifax and they said I have an excellent credit score with no negative credit information.

On my Citi Visa Card, my available credit was over $10,000 between the two cards and I only had a balance of $31 on the Visa and $0 on the MasterCard when they closed the accounts. I think they are cancelling all the cards with high available credit and low balances because they won't make any money off them when they jack up the interest rates like they have been. And it's a liability because the available credit is so high and the bank is going under. When I called customer service back and told them I was in good standing credit wise and there was no delinquent information, they had nothing to say and said they would send me letter that outlined why my account had been cancelled. They said they had sent out a letter before but I never received a letter so I told them to resend it.

I called my credit card which is Citibank who charge me 28.99% every month if they could lower my rate to help me pay it down. I do not use the card at all. I did notice that the 28.99% rate they charge me is a rate they charge customers that were late on a payment. So I asked them when I was late, they cannot tell me if and when I was late if ever because the system do not go past 6 months which I was not late in the last 6 months. My question is do they have to tell me when they increased my rate and why my rate is so high? If they cannot produce evidence about me being late if ever, which I know I wasn't, don't they have to work with me and lower my rate back to where it is supposed to be?

Just as so many others have stated, they have increased my interest rate for no reason or as their representative told me "it's the cost of doing business in this society". I opened my Citibank card almost 15 years ago. My first "real" credit card with a $300 limit. Now all these loyal years later of never having a late payment and keeping the card active for all those years, my credit limit is over $20,000. I was sitting there with a 16% interest rate. I, like many people right now, fell on hard times this past year and began to live on my credit cards. I never failed to make at least the minimum payment (usually around $150), if not more, but I did put a lot on there.

In October, I opened my statement to find that my rate had gone up to 29%. I immediately called thinking there had been an error and was in for the shock of my life. The representative was harsh and rude, stating that I should have received a letter. I have gotten every statement for how many years and just happened to not get this letter? I asked if she could tell me if I was ever late to be getting this "default" rate. She said I had not and in a condescending manner said, "and we'd like to thank you for all your years being a loyal customer". I could not believe that was her answer. I was given the opportunity to close my account that day, but after building up such a great credit history, I decided to keep it. By the next month, my finance charges had gone to over $300 and my minimum payments are now over $500 a month. I could only make it two months and had to stop paying on it, which was a heartbreaking decision.

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.