Citibank Reviews

Citibank took $177.00 out of my checking account on May 15th 2015 for a payment that was DUE on May 20th, 2015. Of course I was not expecting that to happen so the funds were not there on that date and my bank also charged me an additional $34.00 for over-drafting my account. But I didn't do that, Citibank did. I have called Citibank twice to help me with this problem they caused me. BUT they will not help at all...they think it must be just fine to take money from people when they feel like it. I am just shocked that this practice is legal. I need my $211.00 back in my account. Hopefully my bank can help me with this horrible situation Citibank created for me.

Had got direct deposit from my company. They took my deposit then put a block on my card saying I needed to prove my address. I did. Would not release my funds. Now they say for my company to request the direct deposit back to get my money. I think them holding my money is wrong and the way I have to go to get it is a nasty way to do business. Don't use this company card. They suck.

I opened an online checking account, received my debit card, pin number, and a letter linking my id to the account and after my direct deposit went in I activated the card and attempted to use it only to have it decline. I called and they said I need a utility bill to verify my address, not that me having the card, pin number, and info to verify myself to speak with them about the account wasn't enough. I faxed it in on Friday and they didn't receive it ‘til Tuesday only to tell me on Wednesday that it wasn't the right part of the bill and they closed the account since it’s been over 30 days since the account has been opened and info wasn't verified. Then they say they can't send me my money and I can only get it back if my employer recalls the deposit. First of all they never asked for any verification information and why would they send a card and pin number if they needed more info to open account.

Well guess they took all my info. And because I have a Satisfy Judgement on my credit report I was denied a loan. I even have a direct deposit from my job. Well too bad Citibank. I'm taking my business elsewhere.

My debit card information was stolen and a multiple fraudulent charges occurred. The charges were initially credited and then one charge was debited again. Citi said the charge was proven valid. I went into multiple branches to get additional information and faxed a dispute, each time I was disregarded and told to fax again. I called and the representative told me to get a lawyer.

I have had a Citibank Exxon/Mobil credit card for many, many years and never experienced any problems until recently. I had misplaced a bill and so missed a payment back in January 2015. When I found the bill, I promptly wrote a check and mailed it off, knowing that there would be a late fee and possibly interest charges on my next statement. When I tried to use the card next, I found it had been either cancelled or put on hold. I was angry that they would do this just because of one late payment so I stopped using my card with the full intention of calling and cancelling due to the way I had been treated.

Citibank once had a storefront ATM at Waterside. Several months ago they replaced it with an ATM in the Gristedes supermarket. The ATM is so old I think it was dragged out of an antique shop on Avenue "C". It's as reliable as a '53 Packard (I had one) and is always out-of-service. You'd think a company the size of Citibank could afford better but you'd be dead wrong. But where to send a complaint? I swear at it in a loud voice every time I enter the store but am apparently dismissed as another crazy old lady. Well, folks, I'm getting more annoyed and crazier by the minute.

I have been banking with Citi for over 10 years. Today they returned a $160 check I had written, my account had about $150.00 in it, they could not cover or notify me on time to try to cover my check. I contacted the bank and asked them why in the world would they not allow this check to go through and the manager acted like I was asking for a favor and did not really understand my point. I will be closing my account today. Don't bank with these idiots.

I've never seen service worse than Citibank service. I will take it court. They changed my card without even asking me or sending me any letter. They put me in embarrassing situation. While I've been in clubbing I have tried to pay by my card. It is given to me declined. I called the bank. They told me "we replaced your card and we have deleted your old card." The problem was no cash with me, no branch for Citibank in Adelaide. I had no idea what they're doing. I spent two days no money with me. They ** a lot of mistakes. I have to fix it up on line banking, mobile banking, dilation for my payment. They cost me too much money.

I was given a certain time line for a transfer of miles credited in my account to a Freq flyer program partner of the Citi premier miles program. I had filed for a transfer basis a frequent flyer membership number provided by Etihad. I have documents to prove bonafide of this... However due to some issue at Etihad's end this was rejected and my transfer was rejected. I lose 50% of the 360000 miles I had accumulated over many years for no fault of mine. Technically I have applied within the stipulated time and sought the transfer basis membership details provided by Etihad. This is clearly not a charity by Citi as I have earned this as a part of a contractual obligation between me and Citi. Hence I feel that there is no basis for Citi's rejection.

I have always paid a month ahead on this card as I carry a balance. In the month of March, I made two payments as I had some extra money. That should have been for March and April plus extra. I assumed all was well until I went to use the card. The message at the machine was the account was closed. When I got home I pulled up my account online and it said I was late with my payment. I called the number on the card. It was like a three ring circus.

Citibank blocked my debit card and my online access after I called to ask for help for a wire transfer. Now I have no Citibank branches in Dallas, no online access & no card - and no money. The fastest I can get access online is after the two business days it takes for my new card to arrive. This is inconvenient and totally unacceptable as it is my money and my account. Too much security that renders the system useless. And no one call me to explain me why and who before this happened.

I wrote a Citi check for my husband to cash ($520). The associate took the check to verify. After 15 mins, my husband asked how much longer it would take and she replied, "until we finish servicing our customers." Attempts to resolve this over the phone resulted in her being so rude that I will close my account in the next two weeks.

On March-22, I tried to withdraw Yen 194,000 from Citibank Asia branch ATM. The bank completed the transaction in terms of withdrawing the amount from my overseas account...but shockingly the cash did not come out. It took me 3 days and many hours to finally recover my money from "Citibank robber". Citibank Japan is nothing more than "thieves and robbers" dressed up in suits...ultimately, they will steal your money and make you convince the bank they FAILED. Even when Citibank acknowledged the FAILURE is 100% Citibank - their people are ARROGANT, UNAPOLOGETIC (and completely lack of any sincerity) for "stealing" my money and making me spend hours to recover it. Do NOT use CITIBANK - be warned.

Just last week, Citibank raised both my Shell and Exxon/Mobil accounts from 200 to 1000. I had applied for 3 credit cards just this weekend (at 28.99 percent, may I add). They went NUTS! They called me thinking someone got ahold of my credit and was using it to obtain cards (which is understandable). Then this morning, they email me and tell me they are cancelling all 5 of my accounts, due to "excessive inquiries" on my credit report. Mind you, I don't have 1 negative entry on my report, they just took it upon themselves to close them even when my accounts are almost a year old, never went over the limit, paid at least the minimum on time and was extremely responsible with all of the accounts. Word to the wise, DO NOT USE CITIBANK! They suck, their APRs suck, their customer service sucks, (they are rude, smart mouthed and sarcastic to customers) and the only thing they care about is interest charges. Never again.

Jan 2015 Citibank charged over $5000 to a local merchant. The merchant didn't use my name, number, security code or zip code. I called Citibank as soon as I saw the statement and was told they were closing my card, filing a fraud investigation and issuing a new card. I contacted the merchant, who was extremely confused, for the reasons stated above. Fast forward to April 2015 when Citibank STILL won't remove the charges, and won't tell me why. Every time I talk to them, it's "2 to 3 business days"... the merchant has attempted several times to run it thru as a credit to be posted, but Citibank doesn't accept it. I am at my wits' end.

I applied for a Citi Simplicity card after receiving a hundred offers for it. I called in to get info on the card and to ask many questions. I was lied to about the card. I asked if only one credit bureau report would be pulled and they said yes. 2 reports were pulled. I asked if the limit was less than I wanted could I get a higher limit without another credit bureau report being pulled and was told yes. I was told that I could call in when the card arrived and they would use that report to judge whether or not to get an increase. That was a lie. I called in when getting the card to inquire about the CLI and was told another report would have to be pulled. That would now be 3 reports pulled within one week!

I was a customer with Citibank for five years. I was fairly happy with the service until about the third year. Some unauthorized charges had been made on my account, and I was upset about that, but they solved the problem quickly. About three weeks ago I called to check on my direct deposit and it was not in. I was upset and called them first and was told that the bank sent my paycheck back to my employer. Citibank blocked my account and sent my paycheck back!

Citibank has not been able to allow a payment of 149 with a payment of over 1650 to go below my limit. Then hung up in my whole asking me for a debit payment. What in heaven's name is that about? Ridiculous!!!

When I needed to speak with a Citibank CSR, the robot answering machine made me jump through an ENDLESS "survey"; when that ended, the call ended. I quit using Citibank after that. Was absolutely furious to learn Costco is replacing AMEX with a Citibank charge card. Very satisfied with AMEX, I will open new no-annual-charge accounts, switch over my regular charges to the new AMEX account numbers, and use a debit card to shop at Costco. Don't like carrying a debit card around -- think it's too risky -- but it's that or stop shopping there at all. If Citibank were the last financial institution on the earth, I would be doing business with a tin can buried in the backyard!

CitiBank is rated very high as far as their interest rates and benefits with their cards, so I decided to give them a try. I had a Citi card for over 2 years, never going over limit and always making at least the minimum payment. Suddenly after over 2 years, Citi reduced my credit limit to $500. I found out when I logged into my account and I was reported as being over my limit. Obviously I was upset, so I called Citi. They very aggressively and accusingly advised me that because a student loan company reported a late payment for one month out of 81, and because I had been several days late on my Citi payment twice over the last 2 years, this was justified. I explained that the student loan was deferred and I was disputing the late payment report. But really, even if I had been late on a student loan payment one time, and late to pay my Citi bill twice, these are reports spanning over several years.

My bag/wallet was stolen from my car with my debit card, few other documents with personal info, and some cash. Someone withdrawn and spend more than 2k from my card for one night. CitiBank opened case and some really angry women called me and asked "how come that someone knew your pin?" I said that they even know my SSN because they took my bag with a lot of my documents and other stuff which is maybe included my pin in there. I always write everything on the paper to don't forget.

I had a subscription linked with the account. In Nov 2014, I had a balance of 24 dollars related with this subscription that I forgot about. I did not paid my account because I thought there were no balance. When I open my online statements, I saw that I have a new balance of 156 dollars! This is a scam. How can we ended paying more than 500% of the initial amount? Late fees mask the interest that supposedly is not that high. This is plain stealing the poor and middle class to obtain huge profit.

After closing my Citi account I paid it off then got a new charge from the interest or something. Then magically months later it has late fees and interest to an account that was closed 6 months ago and hasn't had a bill for months... I never made a late payment and have had 700+ forever. I will never come back to Citi. Ripped off.

I was contacted by the IRS telling me that I owed back taxes for the year 2012 from some kind of paper that Citibank turned in on me. I have never had any dealings with Citibank in my life. The letter I got from the IRS had a account number on it so I contacted Citibank and tried to get to the bottom of this. I have been dealing with this for 2 year just trying to get answers. Citibank sent the forms to the IRS, but when I talk to them they have no records of me ever having any account there of any kind. They sent me a letter stating that I was unknown to them. I made a copy of the letter I received and sent it to the IRS. The IRS sent one telling me to call Citibank and tell them to send them the corrected papers stating that I did not owe the money.

My experience with Citibank was so bad that I wrote about it in my weekly syndicated column: **. After 19 years as an account holder, I made special effort to remain a customer yet couldn't get a reply that was responsive to my inquiry.

When I opened my Citibank checking account over 8 years ago, there were no monthly fees, and other fees were reasonable. Additionally, they paid a high-interest rate, and offered rewards. Over the years, they set expiration dates on rewards balances (making it impossible to save up for anything worth getting), lowered the interest rate to approximately 1/100th of what it was before, and raised monthly service fees to $25 per month. They also have a strange system for overdraft protection--if you use it, there is a fee of $10, regardless of the amount overdrawn, the length of time the overdraft LOC is used, and whether or not there are available funds in a linked savings account. People elect to have overdraft protection to avoid fees, so this practice is somewhat pointless. Other banks offer overdraft protection with no fee, but charge interest on the amount overdrawn.

As a card holder at the time, I was given the "perk" of having road side assistance along with other membership incentives. When my car broke down, I called to use their road side assistance. It took two hours before the customer service rep even got off the phone with me and submitted a ticket for a tow company to come get me. The tow company was only few miles down the road from me and got there in less than ten minutes. Not only did the road side assistance company take longer to submit a tow request than if I would have done it myself, but I found out the tow company only charged the road side assistance company $68 for the tow, and the road side assistance company charged me $100. This is not a perk at all, I would have been better off googling a nearby tow company. I would have waited less time and would have paid less money! What a rip-off and a horrible way to treat your members!!!!

Citibank has the worst "Customer Service" (and I use that term loosely, as they obviously do). You call the number on the back of the card and an automated voice rambles at you for minute after minute without giving you any options to speak to a real person to get the real answer you need. Press 0 - No effect. Press any other key - no effect. You can't stop the rambling recording. At the end of it, you get 3 options to hear more recorded messages, or a 4th to "return to the main menu" which was Two options, one for lost cards, and 1 to go back into this recording nightmare. There was NO option to actually speak to someone.

I have 2 credit card accounts and 1 personal loan. I have been unemployed since 2013 and trying to keep my accounts somewhat current. I have gotten behind and have made attempts to contact them.... when I can through. I am usually routed to the another country, Costa Rica, Philippines. Once I'm there, I have to argue to get an U.S contact or number. Once I'm connected to the U.S., I am left on hold for 1/2 hour or longer and then treated very rudely and told I can't be helped. This usually takes about close to an hour after my trip around the world calls. Recently, 3.23.15, I made 2 separate payments on my credit card accounts and told the customer service lady, I would make a payment on the personal loan account at a branch location on Friday, 3.27.15 to keep the account from completely charging off and going to outside collections.

On Monday, my debit card no longer worked following the normal direct deposit of my full paycheck three days before. Citibank had sold their Texas banks. I received a single letter sent by standard mail, three days earlier. The letter came from BB&T bank and I had not opened it, assuming it was a solicitation letter as I had never done business with BB&T. I had online access and checked my Citibank account daily. They had a correct mailing address and cell phone number for me yet deemed it acceptable to deny access to my money after sending only a letter that appeared to be typical bank solicitation. Fortunately, I did not have a child needing food, milk or medical care because clearly the supervisor, **, at Citibank was unconcerned. I find this tantamount to theft. Citibank accepted my paycheck, made no reasonable attempt to notify me, then refused my access to my own money.

I went to my bank to make a deposit. When I get there I was informed that Citi has sold my account to BB&T. Not only was it not a letter sent regarding the change the location has had already changed also. Then I was informed that BB&T did not have my Account. My family and I were put in a bad position because they didn't feel like they had to let us know of the change. They are very unprofessional and Citi sucks!

Telephone customer service is horrible horrible horrible. I made 3 attempts to get my questions answered before I just left them alone. I don't currently bank here and am so ecstatic I don't. I had just a few questions about one of their products they offer and wasn't able to reach anyone who knew anything about anything, no exaggeration. I talked briefly with before being transferred with several reps and a supervisor. Very ridiculous this bank is, and god forbid anyone who's has any issues with anything because they obviously aren't in the business of resolution issues.

I wrote Citi a $50k check to participate its promotion. The promotion's deadline is March 15, 2015 (Sunday). I went on Friday to Tropicana Branch (Las Vegas, NV), signed the promotion forms and wrote Citi a check for $50k, which I did a online transfer from my saving to checking from an other institution (let's call it C bank). On March 16, 2015, Monday, I found the online transaction didn't got through due to the amount, I call C bank and found out the failure reason, then physically went to C bank to transfer this amount and ask the teller to printed me a statement.

I recently received citi bank credit platinum card. I only got $1000 revolving credit. When I asked the bank to increase my credit I was denied twice. I was late in my payment and resolved the issue and even paid the bill before the due date. I checked the Equifax report and learned that I had four late payments last year and had balance of $23.000 on 5 of my credit cards. However, I don't have any debt and my score is 663 which is fair. It might not be the highest one but certainly low risk. In addition, I have a checking account with citi bank and my monthly deposit is close to $5000 a month. I don't see that I present any risk to the bank and feel that the bank does not care for its customers.

I applied for a rebate for a new phone that I purchased back on March 6th of 2014 and didn't receive any further contact from the rebate department. I moved across the country for a business venture and hadn't received the rebate at the desired address (Family's residence). I returned to the area in which I purchased the device and the rebate, where I was given the run around from 3 different departments. Finally when I spoke to a corporate customer service representative, they remained apologetic, yet no resolution was given other than to purchase another product or service - after I expressed the needs for the funds to remain in active standing with Verizon, so I could then apply for another rebate.... I expressed that my trust and further association with Citibank is non-existent unless we could resolve the issue. The apologizing continued and then the call dropped.

I moved from NYC to CA in Oct 5, 2014. I have had the worse customer service help from Citi bank in my entire 70 years of life. I have not received information regarding my monthly installments so I don't know what is due or paid. I get different answers from different people--never the same from anyone. I have had people leave me on hold for 20 minutes, even hang up on me. All I want is paperwork but I am told that I have to pay for the paperwork. I would never use CitiBank ever again and will advise all of my associates, relatives, business associates and anyone I come in contact with to never use Citibank.

I was looking for a phone number for my local branch and was unable to find it online. So I called the customer service line. First, I had to punch in a whole bunch of numbers that had nothing to do with my question. I hate that! Then it was beyond frustrating to try to communicate with someone who apparently does not speak English and was totally unable to help. She hung up on me, and when I called back I got the same rep (who pretended she did not remember just speaking to me). I asked for a supervisor.

I processed a balance transfer from my Discover card to Citibank, but accidentally used a cash advance check instead of the balance transfer check. I called Discover to rectify the situation, and they were happy to reprocess the balance transfer. I also called Citibank to notify them that the incorrect check would not go through, but to expect the payment from another source. I also paid my minimum payment just in case. The account MANAGER stated that he would put a "note" on my account regarding the situation, confirmed that my minimum payment would be applied and keep my account current, and that everything would work out okay in my account would remain open and in good standing.

My husband and I were trying to establish an account with Citibank. We are members of the military and stationed at an overseas address with only a Post Office Box. Citibank would not assist us with the process because they could not use a PO Box, so we had them mail to a family member residence which is our default address. We waited until we were stateside and spent an entire afternoon at the Citibank offices in Jacksonville, FL. We worked with a customer service representative who reviewed all our paperwork in person and helped with the application process. We put money in the account and waited for the account to activate. Once it was activated, we began transferring monies and moved nearly $10K into the account with the intention of linking this account with an overseas account in a country where we were preparing to post.

Citibank does not send accurate online bank statements. They delay 2-3 days for any updates. They allow others to cash checks against your account early even if they are post-dated. They do not contact you regarding anything on your account. They send you a text message the day or two after something goes wrong with the account. They do not work with you and place notes on accounts. They do not care about you or helping you in any which way. The representatives have little information about what they are doing, and they are extremely rude when you call. When they close your account or if they are about to, they do not make you aware at least. I understand I wasn't perfect with my situation...but at least they don't have to be nasty and rude to you over the phone. I'm very happy I am never doing any business with this bank ever again. I do not have to deal the extremely poor customer service. Shame on you Citibank.

I invested a substantial sum with Citibank Wealth Management and the funds were managed by the Feeney Group in New York. Over a 14 month period my investment went down, even though it was a banner year in the stock market (11.5% gain). I wrote an email to my advisor, **, on January 7th, 2015 and complained about the performance of the portfolio and why it was so poor, and essentially negative. I paid CBPWM/Feeney Group over $3,600 to manage the portfolio with embarrassing results.

I used to have a Best Buy Card and it was bought out by Citibank. I paid my card off in December and requested the card cancelled at the same time. Now, I am being harassed by Citibank because I have an $89 charge applied January 1 for the card "fee." The rest of the charge is a late fee. Every other day, they call me requesting money and will not cancel my card. I keep requesting, they keep refusing. I have filed a complaint with the BBB. I am tired of dealing with this company and their inept customer service people. I am not paying this fee because I have requested the card cancelled. I am so frustrated. I know what they are doing is illegal, but I cannot get them to leave me alone or cancel the card.

Late last year I called to try to lower my interest rate. Much to my surprise I was told that you review accounts and that is when rates are lowered. I have two accounts with Citibank. I will be paying off these accounts and closing them. It's amazing how your company steals from its customers. I will be telling everyone to use company that doesn't have you as your company as its credit provider. It's companies like yours that are going to force congress to regulate your industry. P.S. I don't want to hear from you in any form. Both my accounts are 9 years. Thanks for nothing.

Recently I called Citi Mortgage and City Platinum Select Card services to inform them that my mother had just passed away unexpectedly on January 4, 2015, and subsequently my payments would be about a week late this month on both my card and mortgage.

I had an account with Macy's Department Store and fell behind on payments in 2013. In the Fall of 2014, I made a payment arrangement with $133 debited from my account monthly to make the payments. I have paid what was well over a thousand dollar debt down to $405 as of this month. The next payment is scheduled for Feb. 21, 2015. All will be paid in about three months.

Less than a week before Christmas, my credit limit was reduced from $25,000 to my existing balance at that time ($5,600). I have had a $25,000 credit limit since it was an AT&T Universal Card (since 1991). With no warning, my Christmas purchases, many online, all were declined, some as late as Christmas Eve which left me no time to use another credit card. Christmas was "difficult!" When I asked for an explanation, the form letter I got back said this was a "periodic review" which caused them to make this adjustment. When I questioned the timing in a letter to Citibank, I received another form letter that simply said "thanks for your input."

We switched accounts with our bank and told Citibank our account info so they could automatically charge our account each month. Citibank kept trying to charge the old account, charged us an NSF fee, lowered our credit card available credit line, hiked up our monthly payment and would not fix it for us even though they got their money on time.

I have had an account with Citibank for over 15 years. I was a CalFed customer but **Bank bought them out, so I stayed there. Bad move. I am opening a coffee shop right across the street from the Citibank on Sunset Blvd. and since I have my personal accounts there and they are convenient I decided to open my business account there too. I gave them all the info they requested, they issued me a bank account, I paid $90 for checks to be printed then, they call me and say they can not open my account. They say that since I am still opening the business and it is not operational yet they can not open the account. I need checks to pay contractors, purveyors, the city, etc. They all want checks with the business name. How is one to open a business without a checking account to pay and track money? This is ridiculous. I am closing all my accounts and going for someone helpful that wants my business.

I have a Citibank customer for more than 24 years. Recently I got a letter from Citibank saying "Sorry we were not a good fit." They closed my account. I call and request to have my account open but I received a response saying "We are unable to reopen your account" because I have another account with them and my salary is not high enough. So I am in the process of closing all my accounts with CITIBANK as soon as possible. I guess they love me more when I owe them over $35,000. Now that's all paid up they don't need me anymore.

The staff support function at Citibank is inept. I have had communication issues with them. They do not listen, and apologize constantly. They think we Americans are stupid. They do not understand check clearing and the Federal Reserve Bank's role. I paid $4,000 on my Citi Diamond on 1/16/2015..... They will clear it on 1/27/2015, it cleared my Bank on 1/21/2015. THIS IS UNACCEPTABLE.

I have several accounts with Citibank. I loaned my son $2500 on one-card payments where automatic drafts were made for over a year on time. During Christmas he over extended and missed one payment. Without notification my account was closed over $14 --the $20 I pay every month was made. They call it a returned check. This is now on my credit record. Totally unfair practice.

In 2006 my husband had official check written out at Citi Bank in Westbury, to save for the future educational needs of our grandchildren. We were told by the bank manager that these checks did not expire. That they were good for as long as we held them. We had an experience that made us leery. Another bank sent our CD to the state because we fail to withdraw it from the bank. We thought it would just continue to turn over as it had done in the pass. That bank filed the proper forms for us and we got our money back within a couple of months. The manager of Citi Bank of Westbury has not been helpful with getting our money back at all.

Citibank is too big. I had a loan with them, felled on hard times, Citi turn the other way on me. Lost my house to them. Do not recommend citi to anyone.

I cannot understand how at Citi Bank credit card web site online will not allow you to access your statements from last year. It has been days and no resolution! What could they be doing???

I have had many checking accounts in my life and all have allowed me to designate a POD/TOD (payable upon death or transfer on death) on these accounts. Citigroup bank does not allow you to designate a POD, etc. Can anyone enlighten me as to how they can get away with this by just stating that it is bank policy?

We received their promotional offer and came to the nearest branch in Montrose, California, (Honolulu Ave) opened these two accounts with "benefits.” Sure enough, these benefits turned out to be BS. Why we didn't read all these negative reviews first?! Four months later we came to see the same person we open accounts with (I think it was Sergei **. But there was also Christine)... Looking straight into our eyes they said there was no promotion like that so no benefits but only bunch of fees... How they can be in the business still?!?!

I used to have a business account with Citibank and opened a Citibank Credit Card. We did not like the service Citibank was giving us so we closed the business account. Since then, Citibank has been sending letters indicating our account is overdrawn but shows a zero balance. Now my CC is having problems processing payments online with the computer, laptop, notepad, cellphone app. They closed the account and reopened up under a new account, which got registered all over again and still having problems. I don't have paperless statements but according to the tech support that is how they are sending my statements, which I am not getting. Now my account is past due, can't make a payment online, shows error, then closed due to non-payment. WOW Citibank you are a dirty bank. NEVER DO BUSINESS WITH THEM.

I had an account of mine illegally accessed and fraudulent charge made to my Citi credit card. Citibank helped me correct this problem almost immediately and with very few if any follow-up problems. There was an investigation and I was informed of the results which contributes to my confidence of my on-line security. Thanks!

Citi does not know what they are doing. They froze my acct trying to say I use it as a business acct. I don't have a business, I put in my pay check. So because of that, they did not do my electronic car payment which I did not know which lead to a 30 day late on my payment and credit history. They tried to claim I closed my acct on the 16th when I went in on the 17th and put my money in there. They will take your money but not give it to you. Then on the 29th I found out, went to branch, they said they would resolve it. Today the 31st new years eve, still not resolved so I'm stuck home, can't get to my money, can't transfer, and have no access till maybe friday the 2nd of January. Not the first time they screw up and everyone you speak to has a different excuse as to what happen. No one really knows what they are doing. Citibank is one of the worse banks I have ever dealt with. Stay awayyyy.

I thought I could place a some IRA money with Citi to get free checking (I've been a banking client for years), and little did I know they are almost as bad as Edward Jones when it comes to fees. $100 fee for "service" (good luck getting them on the phone in less than 20 minutes and when you do they will "oops" I lost the call if you complain), $75 maintenance fee (umm for what?). Their brokerage fees are $19.95 when other firms charge $7-$10, and if you don't make 4 trades per year, get ready for the $100 inactivity fee. Oh and if you get mad and want to close your account, there is a $95 termination fee. All in all this has cost me hundreds over what Fidelity or Scottrade or Etrade would charge just to trade some basic stocks. And on top of it, I started this account in mid October and they charged me everything for an entire year, refusing to prorate it, and are set to charge me anew all the fees come January 1. DO NOT PUT SMALL AMOUNTS OF MONEY IN CITI WEALTH MANAGEMENT, UNLESS YOU HAVE HUNDRED OF THOUSANDS OF DOLLARS, THEY WILL SOAK YOU DRY.

I work for a private contractor who for the past 4 weeks has paid me via check 3 times without issue. However after I deposited the 4th check citi put a block on my checking saying something was wrong with the check and directed me to their fraud department and they told me that I must speak to my boss. After relaying this to my boss he then calls his bank and they say that the check is good. After 2 days of going back and forth a citi rep told me that he was able to verify the check via phone with the issuing bank and that the block was lifted. However I was told to wait til midnight to see the block removed and have complete access to my account. The block was removed but it happened about 2 am but nonetheless I was happy but my happiness did not last long a few hours later citi blocked both my checking and savings accounts!

Citibank does not honor their promotion to have you sign up for a card. I signed up for the Citi ThankYou Preferred Card because it said on their website at my time of online application that the card had 18 months 0% and a 20,000 bonus point credit if you spent $1,500 in the first 90 days on your new card from date of activation. I spent $6,000 and my 20,000 points never appeared. Their online chat rep pulled up my account late November and told me they would be credited to my account on 12/17.

The Citibank official who has managed my mutual funds’ purchases in Citibank is Robert ** (Phone: **) from Citi Personal Wealth Management. I cannot purchase mutual funds online because I live outside USA. Always when I try to buy mutual funds it takes at least one month even I send several emails and have several phone conversation. Even sending messages through Citi’s message system I haven’t received any reply. I am a Citibank customer since 1999 and years ago I had no problems to purchase mutual funds but since a year it’s difficult to get an appropriate response from Citibank. I would like to know what to do to resolve this problem. I am very disappointed with Citibank. I deserve a good attention from my bank.

My wife and I came to the US legally, got green card and SS without problems. We opened an account in Florida and presented passport and SS to the managers. In the last 3 month we decided to move to Texas and open a new account in Citibank, by the recommendation of the same bank. We presented this time SS and Green card. We planned to left old Florida bank account open for a while until all things were moved: bills, links to Credit Cards, other accounts, etc. and until we received new checks. We changed the address in the portal in the Florida account, for us to receive mail from Citibank in Texas, rather than in my parents' house, were we lived temporarily when I opened Florida's accounts. We changed residential address and mailing address. Later my parents received a letter from Citibank asking us to present Visa number information via mail or visiting a branch. Or else all my account would be closed.

Last month Citi told me I would lose my CitiGold (minimum fee customer status, direct phone assistance, etc) 01 Jan 2015, unless I trusted them with $250K or for less service $50K of additional investments. After reading of their huge federal fines, I could see why they need to dump their low-dollar asset customers. SO, I foolishly asked my branch manager what I could do to minimize my losses. BAD choice, he apparently reclassified my account prematurely. Two and a half weeks later (11/21/14), I am still blocked from changing or directly deleting my auto-bill-pays. "That is a developer problem" I'm told. Yes, Citi, you have earned my BofA award I created in the mid-60s for outstandingly louse customer service. BUT, BTW, the worker bees have been trying hard. Management, not so. As fast as I can reroute my pay to an e-Bank, I AM GONE after 18 years at Citi.

I and my grandmother both have Account with Citi Bank for years, since my grandmother is old lady, can't speak English to help herself. I had to called the Citi Bank for her just she wanted to know if her SSI deposited her monthly income in to her Citi Bank Account. I was told by the Banker Lady that she will place a linguist on the line so they can verify for Account protection. I place my grandmother on the line with their linguist, the Banker order the linguist to have the old non English lady read her Bank card number and her first name and last name social security, numbers by her own native language. If the old lady was able to translate her own identification from English into her native language, why would she be needed an linguist? It means they required her to be able to translate her info, from English to her language then talk to linguist so the linguist can translate old lady's language into English, this makes no sense.

Having been based, as well as, living below the USA border gave us 1st hand "actual" experience with all the governments etc. How is it that CITI "ALLOWS" Private Information from USA customers to be Collected in a Communist Country? Sure, they will say that they absorb the risk (on their card, BUT with wages so low and corruption rampant. Yes, this IS from 1st hand experience having founded the largest Private Security Firm in Mexico). What type of Guarantee and Actual fee recovery is CITI prepared to pay customers that become Victims of Identity Theft? Shouldn't ALL CITI call centers 1st notify their customers that they will be sharing Personal Information to a Communist Country? Seems only right, IF they want to back up their claims of Serving the Customer!

Didn't get my electronic invoice for two months as my account generated excessive late fees and interest. I don't normally carry a balance and have tried to pre-pay or pay my balance as I use my card, but their systems don't allow for this. They have a very narrow billing cycle and if you are not alert on about the 25th of every month then you may not remember to settle your balance. I choose to get my statement electronically and it seems when I happen to have a balance my chances of receiving it is less likely. I have changed my email address twice just to test their system. It seems to have reverted one. Hard to tell if it is intentional or just bad IT at Citi. I am in for about $99 in charges from Sept/Oct/Nov - there is a nice carryover for interest month-to-month. I can't even settle the rest what will total the $99 until the next billing cycle. Assuming I get my electronic invoice or don't forget to check my account at the end of the month.

I never had such bad experience with customer service representatives. When I called to get info about additional interest charges made after I already paid my amount in full, none of the representatives made clear explanation of those charges. Moreover, each representative hang up the phone when I continued asking question. I believe such behavior is very unprofessional and very rude. I end it up to calling 5 times to had my question answered, which it never happened. Also, after more than a year being lawful customer with AAdvantage miles credit card and spending more than 10,000, I never received even a one reward point, which I will continue to fight for, because for me it's ridiculous. Now figure out for yourself if you want to be a customer of this amazing bank!

Been a TX based citibank customer since the time I graduated from school in 2006 and its been my primary account for salary DD, credit card, etc. In 2014, they shut down all the branches in Austin, TX, regardless of the fact that this is one of the fastest growing cities. Now I am stuck in situation where I don't have any citibank banks where I could deposits my checks in the city where I live. Their mobile check deposit functionality is a joke. $1000/day and $3000/month. All the other banks allow higher limits. I am unable to use citibank any further.

I had a debit card since October 2011. It should be renewed October 2014. As I didn't receive any calls or messages to know about the procedures, I called the call center few day before September's end. First agent told me I should pay the over limit & it will be renewed automatically, I paid the over limit but no one called me to receive the new card, as there was an obligatory vacation in all over the country I thought it will be a delay. I had to use a card for some payments. After the vacation I called back again, another agent told me that there's no request for renewal & he didn't know why?!! He didn't mention anything about over limit & he informed me that he will make a request for renewal & I should callback after 5 working days to make sure there's no delay. I called again after 5 working days, another agent told me that I have a negative feedback from Central bank because of some delay payments & it will be a high risk to renew my credit card, he also asked me to call back again after 24 hours to know the result about the negotiation with the Central bank.

I applied for a secured credit card beginning of October 2014, and made a deposit of $200 with the application. My application was declined and my funds were supposed to be sent back on October 12th, 2014. I called back on Monday 10/20/14 to get a status of my refund. They told me it was gonna be 2-3 weeks now, and that I should receive it by end of October. I called back yesterday on 10/30 and was told that my check for some reason had been returned due to missing apt # even though that information was very well stated on the application, but was told that they will reissue another check and to wait another 15 days.

I've only had my Citi thank you card for a little while, they've been very easy and absolutely great to deal with. They offer many benefits to the consumer, like the concierge which is, in my opinion one of the better ones out there. The rewards are great and can be redeemed for just about anything. The Customer support isn't great, but they are helpful so no complaints there. Citibank has also been the more generous of the banks with a nice Credit Limit for me to use for business expenses. They should still learn a thing or 2 from Discover but overall they do a good job and are a good company to deal with, I just hope they will grant me a CL increase. If you want/need a Credit Card then definitely get a Citi or Discover card, you won't regret it because they will be fair as long as you make payments and don't constantly max out your card.

Now I want to be fair. Letting people know how unsafe their information is in an ancient internal operating system is crucial. Citibank uses outsourced and insourced Indian programmers. Thing is they are directed to be more concerned with the addition of new money generating programs that are added into the systems than fixing the problems that are currently in the existing systems. A breach of Citibanks internal systems is imminent. Citibank always goes with the money first. Operations are a joke. There are so many security flaws that it is just a matter of time before the Russians discover something crucial. No specifics here, but when coding is not tight and you run cross systems with a database developed in the 1970s, you run a risk. Beware Citibank customers, you are not liable for fraud, but your email, phone numbers, address, account history and ssn/dob, are not being stored safely.

After a disappointing experience at Bank of America I walked into Citibank at Dupont Circle and was greeted by **, the friendly branch manager. I was then assisted by ** who exemplified himself. I'm blown away by such service and recommend this bank and branch to everyone.

Sent June payment $140.00. The checks were $70.00 each Chase Bank and V West Credit Union. They sent the late payment to collections. In July I called letting them know the checks had cleared and the copy of the checks were on my bank statements. They gave me credit for one check. The other check was billed to the wrong account. The problem is trying to get credit for the other check. It has been five months trying to get this resolve. Can you help me?

Worst bank I have ever used. I opened my citibank account in May and made an initial deposit of $100 to open the checking account. After a month of opening the account I had to leave the country for business travel. While away I tried to set up an external account, to make transfers from my other bank account into the citibank account. I thought it had been approved, since the initial small deposits were received then verified. Though when I went to make my first external transfer into my citibank account it was someone rejected, even though I had enough money to cover the transfers. They said my account had been closed due to inactivity. The account was not even a few months old and I made the transfer before the account was supposedly closed.

I am a new CitiBank customer. I have a personal and business account with them. This is the worst customer service I've ever seen. I made a deposit by check, then Citi blocked my ATM. This check was from my another bank account, while it was deposited, my account with BoA closed and check is returned. I called to customer service, they said I have to visit the branch and sign W-9 form, only they can remove the block. I did, they removed, issued me a new Temporary ATM card. When I received by mail my ATM card I made a deposit by cash, and they blocked again. I called to customer service, they said as last time that I have to visit branch and sign W-9 form again, and then branch will remove my block.

I am a retired engineer and I had a Citibank Gold Account and maintained an investment portfolio with Citibank in Singapore. I dealt with Citibank as I believed they would enable me to grow my retirement fund. In April 2013, I told my Relationship Manager that I wanted to stabilize my account and move out of riskier assets, such as stocks and perhaps buy bonds. On Friday, May 03, 2013, I received an otherwise unsolicited email from my account Relationship Manager asking if I would be interested in purchase of bonds issued by the Cooperative Bank in the UK. On May 07, 2013, I emailed the completed subscription from for the purchase of the bonds in accordance with the data Citibank sent me and Citibank Singapore Ltd purchased the bond at a value of 104.30 per bond.

I applied a student credit card 4 months ago. 2 months ago, they told me I was denied and the reason was that the branch personal banker did not report enough information of me. Is that even a legitimate reason for denying me? Then he helped me to reapply and I was approved. HOWEVER, 1 MONTH LATER, the credit card still had not come and the reason was they mailed it to an address which is not even associated with me AT ALL. Then they resent it and now, they told me I HAVE TO WAIT ANOTHER 10 DAYS FOR NO REASON. Is my credit card ever going to come? My branch is on 3rd Ave San Mateo, and the personal banker is **.

I filed for a Citi account online supplied personal info and was approved pending until I send in further information, which I did. 3 days later I had to initiate a call to them inquiring on the checking account and making sure they got my information and where the process was with my new account. I was informed my account was rejected. I asked why because I was approved online and asked to send in additional information and all the lady could tell me was she did not know why I would have been rejected. I sent in my DL, SS Card, and proof of address thinking my account would be squared away. Why would my account be approved just to be denied after sending private information? This makes no sense and if my credit was checked 2 times, that's 2 inquiries against my credit. This is a bank account not a loan offer being completed here. This business practice to me is verging criminal lines.

I receive several payments per month via electronic wire transfer or ACH electronic payments. With no prior notice, in the past week Citibank has increased the wire charge by 50%, to $15 per wire from $10, AND the wire charge hits your account before the money does. Citibank sits and plays the markets with my money 2-4 days before crediting my account, yet charges a $15 fee the same day. Time for a new bank!

Citibank gave me a credit limit far above my capacity to repay. I had initially asked for $3k to repay a debt on an interest free transfer. I've ended up with a debt agreement to repay over 5 years and a damaged credit rating.

I went to citi bank to close my account and get the cashier's check. The cashier gave me check and forgot to sign it. How can you do that? I had to go again today and get it signed.

I will be fair and accurate with my comments no sense in being nasty but the word must be spread. I did a home siding contract with Sears several years ago and they use Citibank as their financial institution here in Texas. Well, I've paid my monthly bill for almost 3 years now without fail. Well a few days ago I get a phone call saying I have late fees and I questioned what late fees and the gentleman who spoke very rough English said due to being late on a payment I had a late fee. I said, "What late payment? I just sent it in 8/29/14." He said that it was one day late posting. I said, "One day and I have a late fee, that's insane. No company does that anymore." Well Citibank does. I asked, "So if it is delivered by 9/2/14 and sits on someone's desk or not posted till 9/3/14, I'm charged a late fee?" He said yes. Got another call this morning, a more pleasant young lady who explained why my payment went up and I guess they do this during the year now and then - raise their payments on consumers and then go back to the original payment after a couple of months.

I've never experienced such terrible service in my life. No exaggeration and even when I'm disappointed in a service I typically don't write a review, but the Citibank in Houston TX on Westheimer and Dairy Ashord specifically the manager Jeff forced me to close my account without explanation. I only had the account for 3 days and stated he the right to refuse service. This all stemmed from an address change that I made online after the account was open. In addition to a wire transfer that I received and tried to deny me access to my funds. He did not give any explanations. After pleading for my funds he released them to me and closed my account.

I have held a Citi Bank credit card for 20 years. I have never missed a payment or had a late payment. Times got tough for me with a divorce and child custody battle with my ex and I had to pay my lawyer with my card. It was an amount I was not comfortable but I had to do it. As soon as I did, my interest rate went from 15% to 29.99%. No reason! No justification! Just because they could. I have tried desperately to pay down the debt, but because the interest was so high nothing was going to the principal. For 4 years I paid them almost $600 a month in interest. A couple of weeks ago I sold my home and decided to use the money from the sale to pay down the debt. As soon as I did, Citi Bank canceled my card and demanded payment of the remaining amount.

I have had an AAdvantage Citibank credit card for 4 years. The initial bonus miles I got for opening the card were great but it's been nothing but problems since then. Last fall, I applied for a balance transfer which promised 0% interest x 1 year and double miles. Citi has honored neither and now they are trying to charge me interest I don't owe them. American Airlines is terrible, too. I don't know why I have this card.

Heard about Citibank from my company as Citibank was offering us better rates for Mortgages. This was the worst mistake I have ever done. The mortgage salesman was so professional, but processing went completely wrong. I was given the wrong credit cards, wrong fees, tried to open an online account and it didn't happen yet for the last 3 months, their banking app on the phone SUCKS, its like banking in the 80's. I don't recommend this bank for anything, their APJ branding is the worst, the global guys are doing a better job. Make sure you stick to a bank you know very well.

After 38 years holding a Citibank credit card without a single 30-day late and, having a personally spotless credit background with an 831 FICO score, Citibank decided to drop me. No warning (which is legal apparently), no 'thanks for being a four decade loyal customer...' Nothing. Just F/Y, you're history. It was later 'explained' as being entirely due to me being fiscally responsible and NOT taking on unwarranted and unnecessary credit card debt often enough to assure them of raping me for huge profits under their usurious card rates of 29% or more.

They opened up an account quickly, then a year in reduced my credit limit for no reason. I have GOOD credit, 700+, never late on any payments. Because they reduced my credit limit without warning, my credit score took a 30+ point hit due to the debt/credit ratio. It took me a few months to build my credit back up and now I will be transferring my balance from this bank to another asap. Banks should help build credit, not destroy it. Horrible bank and worst customer service.

Went to atm in 711. I was taking money out until it said it was 2.75 so I declined it, then I went to Royal Farm where it's free on atm and it said insufficient funds but I didn't get no money at 711. I declined the transaction but it still took the money off the card..... Please help me out because I don't have money to lose like that.. I will the print out inside the atm that I declined the transaction and if so will I get my money back????

Suddenly my online access was denied. Customer support human said it was because I had not logged on in the last 30 days. I was never told this. I attempted online access password reset via ATM card number, ATM password, and social security number. But this also failed. Customer support human said account is not lock, ATM card and social are correct. It is my ATM password that is failing. I have not changed my ATM password and I have it written down so I know I have that correct. The only remedies are they send me a new PIN in the mail (10 business days) or I go to a local branch. I am traveling in 3 days. I am angry! I've been a customer for 20 years. It is time for me to move on. Shame on you Citibank!

It took more than 4 months for this bank to process my mortgage and we are still not done yet. The reps I am dealing with are unbelievably incompetent, every 4-5 days they come up with a document that is missing or incomplete and when it is provided, you don't hear from them for 4-5 days and then poof, again something else if required. They do these mortgages everyday, so you would think they would have this thing down pat...but the level of "surprise element" is quite astonishing. They had months to review documentation, and in spite of my repeated phone calls and "staying on top of things", they come up with something new every time.

On July 15th, 2014, I decided to open a new checking and savings account with CitiBank. The application process was pretty easy, at least until it came time to send in the supporting documents in order for my account to be opened. I was required to send in a photocopy of my driver's license and the account holder signature card, so, I faxed these items over to them. I got a call 2 days later telling me that my documents had been received, but the photocopy of my drivers license had been rejected because the picture was too dark. I was annoyed because I know that I had enhanced the picture to make it as light as possible. The nearest copy company is a full 45 minutes away from my home, so having to go back out to send this fax was extremely inconvenient!

I deposit a money order on July the 4th and it went through as I was using my smart phone with Citi app. And after I saw the money instantly in my account then I didn't keep the money order: because I live in LA then it's the only way to deposit money (Citibank don't exist not as a branch nor as atm) and I've done this hundreds of times. And when it goes through then it goes through and if not then the phone (the app.) tells me that I need to take a better image of the money order and I do. And if the image still not clear it tells me again to retake, in other words it's always instantly to accept or reject and shall behave accordingly. Now this time the bank rejected the deposit several days later and they insisted on that regardless of investigation, multiple phone calls and live chats online with customer service.

I tried to pay my $15.00 several times in the past two weeks and today, I spoke to someone in India trying to communicate my distress. The message said that CITI is experiencing heavy responses. She said my log-in was correct but it still would not allow me to pay the $15.50 now (late charge added). This is the second instance with CITI. The $15.00 charges were for two car washes at their CITI station. The first time through the wash, it did not rinse the soap off. The clerk gave me another free one. Same thing again. The $10.00 charge was for the super duper wash which wasn't working either and the machine was out of receipt paper. Clever trick, HUH. No refund! I am waiting for another late charge and will shred the piece of aggravation.

I have been a Citibank customer for about the last 6 years. I have been paying an interest rate of 15.45% (lured in by a 7.9% Balance Transfer) on a Ready Credit Loan. Recently they invited me to increase my credit limit. I considered the repayments of the interest rate offered and decided I could afford it. Now with this month's statement I receive a letter stating that the interest rate will be going up to 19.49% up by 4% and will be retrospective. I would never have taken on extra debt if I had known of this impending increase. 15.45% is a great return for the bank already putting it up to 19.46% is just greed. When I rang, I was basically told that in the terms and conditions, they can increase the interest rate to whatever they want whenever they want! Beware potential Citibank customers, this bank lures you in and before you know it you have one of the worst credit deals on offer. I have complained to The Financial Ombudsman (Australia) and will be contacting the media. People must be warned about these glorified loan sharks. Can they jack up interest rates that much?

Someone has stolen my debit card information. I caught this within 12 hours, $2045 and another $2000 that was refused. Called up they cancel my card, did it online, called, then went to the bank that day. Got a new debit card number. They cancel that account number, gave me the money back and two days later charge me another $2045 on the card that was cancelled from the day before I canceled it. See they used one as debit and when that failed they used it as credit which showed up on my account on July 3 my birthday and had cancelled the card on June 30.

Made a big mistake using the CITI bank card for travel in Europe. The fees pile up when you use this card and with the Capital One - which I could have used, there are zero fees. Also at zero fees are the Bank of American card. The only problem with the Capital One card is that it does not utilize the chip technology, which is important for security in foreign countries.

I have banked with Citibank for many years, mostly uneventful. However recent events lead me to believe that the current management are completely useless and their time would be better spent watching the grass grow. I tried to make a transfer for a fairly small sum and had a message to tell me it was unsuccessful, so I tried again and again, 5 attempts in total, all of which were unsuccessful. Until I viewed my account and found over 750 of transfers were "pending authorization".

My husband and I, semi-retired full professors who have never had a credit assessment refused in our 30+ years of marriage, decided to change our bank from a national bank to a much smaller, state-based bank. This financial institution does not issue its own credit cards, but has instead outsourced the issuing of its credit cards to Citibank - our very bad luck!

I signed up with Citibank in November 2014 for a balance transfer. I travel frequently so I signed up for account management, automatic payment. Oh Lord, these people can not get this accomplished. I have had a call every month telling me my account is past due. Now here it is, May 5th and I am getting an alert saying my account is past due. The really weird part is that the payment is suppose to come out on May 6th, tomorrow, and I now have another charge of $83.00 for past due payment. Then there is this other little problem they have. They do not take notes on my account and if they do, the person I talk to each time never reads them. So, I have to go through the entire story every time.

The recent experience with Citibank has been shocking. My account was opened as a corporate salaried account. Later, this account was converted to savings account as no more salary was credited. On the phone conversation with the customer service, I was told that there will be no deduction from my account balance if I maintain the balance of Rs 30,000. This made me relieved as I decided to maintain the balance of above Rs 30,000. However, total deductions of Rs 5618 has been made when I checked today after a long time. This is so horrible and disappointing and I have lost all the faith in the Citibank services which I had for long. I want refund at any cost and I will take every step to do that.

I had a block put on my account for an issue with my address. They did not call or notify me. My rent check was returned because my account was blocked and now I am in trouble with my landlord. They block my account all the time without notifying - so my card becomes inactive while I am trying to use it. So embarrassing.

I opened an account which had an offer of 25,000 Thank You points. Though I fulfilled all the requirements of the offer, I did not receive the points. They kept changing the criteria of the offer. And its a year now & I haven't received the Thank You points yet.

I tried to refinance my mortgage with Citibank. I had my existing mortgage with Citibank. They gave me the run around for over two months. Their customer service agents were rude and incompetent. I asked for my application to be removed and wanted my $500.00 back. I did not receive my money back. I refinanced with Quicken Loans and it took exactly 12 days from calling them to closing. I e-mailed Citibank management and requested my money back again. I never heard from them either.

202-803-5785; 701-491-7812. I reported a dispute between myself and a ripoff merchant (Travel Agency). It was obvious to me that they would rather support the agency that rips people off than they would me, the client. Briefly, I bought a package to Cancun and it finally arrived the night before I was to leave (how convenient). On a big yellow sheet of paper, it said, "DON'T LET THIS HAPPEN TO YOU. WE HAVE TO TURN AWAY SEVERAL PEOPLE AT THE AIRPORT BECAUSE THEY DO NOT HAVE A STATE-CERTIFIED BIRTH CERTIFICATE." So, they said right there, that on every charter flight, they rip a handful of people off. Funny about that. I don't care for thieves, even when it's not me that's being ripped off.

I called Citibank customer service regarding two transactions I needed disputed with my credit card. I was charged twice for the same amount, and payment not showing up and as an error on merchant's end. Citibank charges my card twice. On the merchants end where I tried to pay the bill, it does not even show a payment going through. The rep was unable to help me so she transferred me to her supervisor named Vito. He was very arrogant and kept telling me that I would not let him speak and trying to help me but at the same time he kept saying they are just the bank, they cannot do anything; I would need to contact the merchant. Which I know is pure BS, because similar issues have happened with me at other banks and they were able to resolve the issues almost immediately.

This complaint is in regards to my Citi credit card. I had been using their services almost 3 years and have never fallen behind on any of the payment. Since 4 months, I have been chasing them but there is no response from their end. I keep getting message which says that I need to pay my amount due or else card will be blocked. My card was blocked almost 4 months ago. I am an outstation candidate and keep travelling to my Home town Srinagar. 6 Months ago, I was in Srinagar for 3 months. I wanted to pay the card outstanding amount and called their customer care. They don't have a branch in Srinagar and being a restricted area internet and messaging services are barred over there.

I've been trying to have a loan I took with Citibank paid for days now. They keep referring me to City Internal Recovery Unit (located offshore of course) which sends me to United Recovery Systems located in Texas. This company has numerous customer complaints. All I want from Citibank is a letter stating that they do not want to collect the debt directly from and they have hired United Recovery Systems to collect the debt. I've been going in circles for over an hour. Citibank will respond, URS cannot issue the letter. I am frustrated and feel that I've been disrespected treated unfairly. Until I get a satisfactory response I will continue to write reviews online anywhere I can.

I have been banking with them for 6 years in Florida. I have had the same employer for that amount of time and the Bank receives deposit from my employer every other week for thousands of dollar. I got a hard check from my employer as a bonus. My wife deposited it and didn't think anything of it. 2 days later no money was showing as a deposit. They held my funds for 7 days and not told me. I went to the branch where I made the deposit, Wellington mall location. I spoke to a lady who was the manager. She said she won't release funds even though she had the authority to do so. She understands that it's the same account that checks come from every week. She understands that our account has always been in good standings. She is one of the most rude managers of a business I have encountered.

Citibank is the worst company I have ever dealt with... BEWARE!!!! I hate this company with a passion. As many others have said, they are bloodsucking leeches. We thought it was a good thing we decided to pay them $8000 to lower our balance. As a result they punished us by lowering our credit limit from $30,000 to $9,000, and raised our payment to $570 a month. And they charged us finance charges which made us go over the limit that they lowered in the first place, we do not even charge anything and went over the limit due to their actions, not ours. This is an extremely unscrupulous company that does not care if you want to cancel your account... customer service stinks. Don't be the next sucker, don't use Citi for anything!

Opened an account online January 9, 2014, received the welcome packet, debit card, and temporary checks. Made a cash deposit at the ATM on February 2, 2014. Two days later I tried to make a purchase ($3.99) with the debit card and it was declined. Spoke to a representative who stated that I needed to go into the branch and take MORE ID. I called again and was told more documents were needed. So, the next morning (Chicago snow storm) I go into the branch and was told to call Customer service. I called from Citibank's phone and was told to "go onto the branch"! So, when I tell the rep that I was already in the branch, she says "I will talk to a rep there." Well, I go to get help and the branch manager walks up to the person I'm speaking with and tells him, "We don't handle online accounts".

They never decline transaction when it goes over what you have in your balance because they are greedy blood sucker waiting to make a profit on your overdraft fee.

A company in Arizona & Florida have committed fraud on my card & 4 years later the one in Arizona has not been rectified! Thought the credit card companies were suppose to protect you from this not endorse it!!!

I was approved for this card though a pre-screened offer in the mail. I was given what I thought to be a large credit limit considering my credit score. After using the card for Christmas purchases, my limit was dropped to near the balance owed and informed that I would get reviewed yearly. My credit score has climbed but after each review, my limit is dropped to near the balance owed. I have gotten other cards due to my higher score and never missing or being late on a payment. I plan on transferring my balance and being done with Citi forever.

Citi has left my sister stranded in Costa Rica without access to her accounts. Despite providing a thorough and detailed account of her location and dates of travel they have placed a hold on her account. They refuse to accept collect calls on their international collect customer service line. She emailed me pleading to help and I spent the last hour on the phone with some of the most unprofessional customer service employees I've ever talked to. There was no consideration for her as a customer or me as a customer and concerned relative. I immediately cancelled both my Citi accounts and my sister will be doing the same when she gets back to the states. Worst company, let alone bank, I've ever dealt with.

I have had a Citibank credit card for the past three years and have made every payment on time or earlier. A few weeks ago, illness in the family had caused me to be somewhat negligent with our finances. I made all our payments very quickly. Checked back with Citibank. Website showed I had not made the payment. I still had time to make the payment so I quickly did. The next day, I found that I had indeed made the earlier payment and it was late being posted on the website. The second payment unfortunately did not clear the bank. Upon discovering this, I quickly make a third payment through another bank account that cleared.

Every call every interaction was very disappointing and unsatisfying. My first Citibank payroll card was never received by me through mail. So I called to request a second card and maybe try to send one to my dad's address. Of course they said that I had to wait 3-5 business days, they had no way to accommodate me for their mistakes. So I called to maybe get a tracking # and they said that they don't have tracking number for regular mail which is false. USPS has improved their methods of delivery. After speaking to the second associate to try and receive a tracking number, they told me that they didn't see that I changed my address and didn't see that I requested another card to be sent after I didn't receive my original. The associates all sound the same, especially when I asked to speak with the managers. Either they were lying, unintelligent, or just had no training at all. My advice to new customers... every transaction, every step, every instruction, name, date, time record it all. It's bad enough we have to pay fees, but to suffer because of their mistakes is the worst part. Now I'm late on bills, and all necessities needed for my very young children, school loan, and more.

I was making a purchase at Home Depot and was asked if I would like to apply for a store credit card and receive a significant discount on my purchase. I agreed, and as I recall, I did not pay with the new card, and would not have wanted to do so, but instead either paid with my credit union debit card or with cash. Several months pass and I may have received statements in the mail which I may not have looked over carefully because I was sure I had paid with cash or my credit union debit card because I would not have wanted to use the card because I only wanted it for the discount.

Tuesday 11/26: Opened a Citibank account with a check deposit of $270, only the first $200 was released Dumb, yet nice teller spelled my last name wrong on my ATM card! Weds 12/4: Had to literally storm into a Citibank location to demand they release my $70! They said my check was alerted for fraud. Never mind that it came from a reputable firm. I informed them I would be depositing the same check from now on via Direct Deposit. They released it because of my direct deposit and the fact that it was only $70.

My sister-in-law died with no will, no insurance, no assets and very little cash in the bank. Her mortgage was with Citibank for far more than the home was worth. She was a hoarder and the house was full of junk. My wife and her brother were appointed executors. We cleaned out the house of junk while the probate attorney attempted to contact Citibank to surrender the house. Citibank refused to reply. Yesterday, my wife and her brother were served summons stating they were being sued by Citibank for an amount in excess of $15000. To say that Citibank SUCKS is a true understatement..

I live in San Francisco and all of the CitiBanks located by me have horrible customer service. They make feeble attempts to be good at what they do but they never answer my questions and I always leave the bank with my problem unresolved.

Sears Card by Citibank has denied me access to account information. Unauthorized / illegal charges started appearing on my account about 2 months ago, once reported to Citibank, they closed the account and have denied me access to verify the accurate charges, or view the balance and pay the account. Contacting customer service, by email and phone, has only led to more problems. Actual human contact is not achievable, and the robocalls that are being received at my work (day-time contact number) are causing immense trouble. Steer clear of any Citibank offers. They are an awful company to deal with!

We have been trying to refi through Citibank as we are current customers and thought it would be easy (as did someone else on here). It has been months and the process is still not finished. We do everything they ask even some stuff that is ridiculous (like explaining addresses we were at over twenty years ago). Then we wait. After a while, we contact them and wait (not good at returning calls or e-mails). Then we get another request for paperwork we've sent numerous times. We also get a letter stating that they are canceling our refi request because we didn't provide them with the paperwork they requested. We have proof that we did and when we call to ask about it, they tell us to ignore the letter. WHAT? They are so disorganized it is definitely not worth the hassle. Go somewhere else!

This is the most horrible experience I've ever had in my life. It has nearly driven me out of my mind. After my mother died in 2008, I discovered that her "trusted" banker at Citibank, an elderly woman named "Frannie", had talked my mother (when she was 85 and had documented dementia) into a HELOC loan that she did not need! The loan was for $10,000. It was a 30 year loan, with a 3 year prepayment penalty. The reason? Citibank claimed my mother was overdrawn on her checking account, to the tune of $4,500, at 26.25% interest!!! Yet they have NO documentation to prove such claim! Had my mother actually been overdrawn, they could have taken the $4,500 out of her checking account as she had almost $10,000 in it at the time. Instead, they made her sign over her house as collateral and to this day, I'm still paying off that stupid loan! I tried taking the issue to small claims court and lost!!! I've reported this incident to every agency I could think of, the Governor of my state, and also the President of the United States!

A lot of hidden fees and a lot of bad surprises!! Very bad.

Even though I have a credit line of over 12,000 dollars on my credit card and my overall balance is low and my Fico score is over 720, Citibank decided not to afford me a cash advance of any amount. They made this decision without my notification. I view that as rude and unprofessional.

Account Care will NOT PAY MY CARD OFF SINCE DEATH OF MY HUSBAND! They refuse to pay the bill as per contract.

This is by far the worst bank ever. On September 09th, 2013, I found out by myself that there was fraud occurring my account. I contacted Citibank and they told me I needed to go into a location to discuss this problem and they would not be able to help me over the phone. I went into a location where they stated to me that the account was closed but in fact they actually put a block on my account, and told me that someone deposited a fake check in my account. I had not seen my debit card in a few days and in fact lost my ID holder that had my work passwords which are 2 letters and 4 numbers which the numbers correspond with my pink number. I contacted my work to stop direct deposit but it was too late.

I was travelling to Germany. So I thought it would be good idea to notify the credit card company about my travel plan. I called on Friday and talked to a customer representative about the days and country I will be travelling. She took all the information and told me that I am all set. I left on Saturday for Germany and came back 10 days later. I have other cards and I used them in foreign country without any problem. When I came back to home after the travel, I see that I have a voice mail in my home phone about "Fraud Alert" and also there is a message that I will not be able to use this card until I call them with the reference number.

On Oct. 9, 2013, Citibank solved the problem and put the credit $4715.42 back to my account.

I first need to say the people that I talked to were great. They have their hands tied because of the corporate policies. I set up an automatic payment. Then they canceled it but made it sound like it was my fault that it was then canceled by them. Transferred 5 times, call dropped once. Over an hour spent on the phone and the story is the same, with no resolution. If I were to call back tomorrow, they could tell if things have changed. So they are too big to call me. But because I am thought of as being wrong, I need to call them. How subservient. I know that if I were to treat my customers with such service, I would be out of business. My advice is to pay off your cards and vote with your dollars and never do business with any Citibank.

I closed Citibank because physical branch can't help! I called customer service, always transfer me to other person (keep transferring to another customer service) without solving the problem. No wonder a lot of customers close their account and run away from Citibank!

Citibank, Lake Forest Branch at 23562 El Toro Rd. Lake Forest, CA don't have quality of customer service. I had a checking account over 6 years with Citibank. They said Citibank is committed to putting its customers first, but the company cannot resolve their issue with the customer. I never used to complain when I was dissatisfied with a product or service. I am very disappointed with the promise and false information from Citibank Branch Lake Forest, CA.

I opened up a bank account a month ago. I deposited my payroll check on 8-15-13 and as of today the funds are still not available. I called the bank's customer service and was told each time that my money would be available the following Monday, Wednesday and now not until Thursday, 8-22-2013. I'm curious to find out if other people have had the same problems with Citibank. Guess I should have looked up these complaints before deciding to bank with Citibank.

My husband and I are current customers for about 12 years now and developed a need to lower our mortgage payment. Since we are existing customers, we assumed that it would be sensible to stay with Citi since they have all of our information. WRONG!! Nearly 6 months ago, we started the refinancing process and still we are waiting. We call almost daily now, leave messages, send emails and talk to someone different each time. We are told we will get a call back... We never do. And now we are told that our appraisal is past the 120-day mark and they need an extension. Still no one has contacted us. Does our business mean nothing?

Our Mortgage Loan Coordinator, Joshua **, has the audacity to ask for statements explaining properties from years and years go. How this bank works is they receive the financial statements requested. The processing time takes so long that have to constantly request paperwork because they become outdated. This bank is a joke and obviously cannot handle their workload. Only way to get anything is to contact representatives, the White House, and the Consumer Financial Protection Bureau. Feel free to send him your CitiMortgage complaints.

Absolutely the WORST experience ever in mortgage refinance. CitiMortgage bought my loan years ago and has been the worst at handling this account. Did not pay taxes out of escrow account. I found out when I received notification from the county that my property was going to be auctioned. Every year for the first six years would send me letters saying that Flood Insurance was required. Almost every year after numerous phone calls and letters from the County Flood Commissioner, they would relent. They were too STUPID to update my account with information provided. They were always using the WRONG PROPERTY - one located approx. 12 miles from my property and located IN THE MIDDLE OF A RIVER! One year, they actually purchased Flood Insurance with money from the escrow account then sent me a letter saying the escrow account did not have a large enough reserve.

I had a very important international transfer to make for a deposit on some goods I am having manufactured in Thailand. I rang up to inform them I am making the transaction and they agreed to waiver the security check due to my authorization. However twice now they have canceled the transaction stating that they canceled it for security reasons despite me performing the transaction myself and then giving my authorization for it. So basically they are trying to control how I use my money. I have since transferred all of my money out of this account and will be closing the account. At me telling them this they did not seem to care.

Can you please send me an explanation on how they calculate the finance charge. Since I paid 3 days before the due date 1,069 Bahraini dinar fo my June statement which is supposed to be 1,089. I have overlooked the total amount and I have paid 1,069 so I have a balance of 20 BHD. When I received my July statement they have charged me 33.350 BHD finance charge. Which is they calculated the total amount (1,089 BHD) multiply 2.59% plus other fees. Is it not supposed to be the balance only which is 20 BHD multiplied with 2.59% plus other fees. I think charging me for 33.350 BHD for just 20 BHD balance is too much. I have paid 1069 instead of 1089 before the due date and I need to pay 33.350 BHD as finance charge. Hoping to get a reasonable explanation. Thank you.

I've been using a Money Pal, no service charge ATM and Citi has been charging me the $3 fee. I went to Citi web, looked up the site to find the surcharge free ATM and it's on the list. I went to the surcharge free ATM website and there is the ** same ATM address as I'm using and the bank still tells me I'm wrong. They won't give me back my money. I'M ** PISSED. YOU ** ARE GOING TO GIVE ME MY MONEY BACK!!!

I went to branch # 64 located at 4017 MacArthur in Oakland, CA on May 31, 2013 to do a wire transfer. The transaction was done incorrectly by Citibank's personal banker. The wire should be in dollars which I specifically told the personal banker. I found out after 4 days that the wire came out as dollars but sent out in Philippine pesos. The recipient did not accept the wire because it was in pesos. I owe him in US dollars. The receiving bank returned the wire to Citibank since the pesos cannot be posted into a dollar account. When the money came in, Citibank credited my account short of $1,026.43. The personal banker admitted that she made a terrible mistake. When the matter was brought to the attention of the manager, she said I accepted the loss when, in fact, I disputed it. The wire department sent me an email saying the case is closed. I don't accept the loss in the amount of $1,026.43. I don't agree that the case is closed.

We started a refinance process with Citibank over 2 months ago as they are the current mortgage holder for our primary residence. The person who was assigned our application consistently lost all of the documentation that was provided to them during the process. I escalated the situation to the manager of the refinance department and that person (Holly **) has never called me back or even bothered to email an apology for the unprofessional behavior of this bank. I am still waiting for someone to contact me as I discovered by a bounced email that the employee of Citibank is no longer with the company. Two more emails have been sent to the manager with no response. I am very close to FIRING CITIBANK as my lender! My interest rate lock is set to expire in less than 2 weeks and I haven't been contacted regarding who is now assigned to my refinance. Let this be a lesson to anyone else who is thinking about using Citibank. They are an unprofessional, unorganized company that has no business in the lending world. If I don't hear back from them in the next few days, I will fire them as my lender and refinance with someone who gives a crap!!!

Citibank is a fraud operation that they use other people's debts to place a lien on your home and you do not even know until you're going to sell your home. You find out that this Citibank has placed a lien on your property. Be advised whoever owns a home even if is paid off, keep doing title research about your home or you could be sleeping under water and wake up into a nightmare. Also, check on your town where your home is recorded. In that public record, type your last name & first name and you will find if there is any lien or judgment in your home because this Citibank is a global fraud operation.

Travelocity put my old Capital One/MasterCard number on my trip charges (**), so it does not show up on my monthly statement. Two and a half months later, it went to Sears/Citi with that number on it. They put a Sears number on it and began billing me. I do not have a Sears account. They have billed me for 15 months. I told them that I would pay them directly - the airlines, hotels, etc. But when I called, they were already paid by Capital One using that ** number. It never did get on my now credit card number. I get letters full of lies from Citi. They always talk about my Sears credit cards that I don't have. They sent it to a collection agency and to credit reports. I have never had bad credit. Capital One can't find the charges. Now what?

I recently had the most horrible experience at this Citibank branch in Fullerton, CA. I handed over a bundle of cash ($7,500 to be exact) to a teller and told him that I would like to deposit. It was a cash donation from my relatives to be used towards my mother's funeral. My sisters and I counted the money (checked and double checked) before I took it to Citibank. The teller counted the money in a very sloppy way (I mean unbelievably sloppy), scattering the cash all over the desk and then entered the wrong amount into his computer system. As he was entering the amount into the system, he told me it was $6,700. I was flabbergasted for several reasons:

My husband set up a new account with this company, a checking plus which pays for the check when the money was not in the bank but charges $34 for overdraft fees. We have four checks that come direct deposit in the bank the same time each month. He has been with Citibank for 30 years. The checking plus takes out money from his account to pay for checking plus okay, but why can't they take it out when his checks are deposited in the bank so that I can deduct that and continue to pay my bills? They wait and take it out when my bills are being paid, then charge an overdraft fee for their mistake. Then when talking to Jackie this morning, she said, "I can't help you." She is supposed to be the supervisor. Plus, Citibank pays for a check of $2000 to a bill that was $200 before the money got there and they said, "We know the money was coming," so they paid the check wrong.

Over the years, Citibank has done everything they could (successfully, I might add) to ensure that I pay late fees on a regular basis. First, they decided to close my account. Okay, fine. The interest is too high anyway but because they did so, I no longer have access to online payments. Not cool. Next, they changed my payment date so it lands about 4 days before I get paid and hike up my interest because I failed to notice. Not cool. And now, I noticed that there is no customer service phone number on my payment stub, which means that if I don't track down the right department (and/or if they are closed on a Saturday), I will once again receive a late fee. I have also attempted to set up auto-pay which has failed twice for some unknown reason. It is clear that Citi engages in tricks to justify their borderline usury interest rates and enjoy the added profits from endless (company caused) late fees. Not cool.

I have an issue with CitiBank in which they failed to notify me of a card balance of $17. They closed the account without notifying me and charged late fees. Their action has caused damage to my credit score and credit. I have been a customer of theirs for over 12 years. I have received no satisfaction in speaking to their customer service department, only a runaround and sympathy. Their action has caused me damages, and I am in the process of bringing legal action. I advise each person who has suffered damages by Citi's incompetence to do the same. File a small claims action as the filing fees are very nominal, $45, where I reside for a $10,000 action. The amount you can sue for in small claims courts will vary in different jurisdictions. If you can speak, you can represent yourself (pro se) in the area in which you reside. You will have to send Citi a demand letter prior to filing. I will be more than happy to assist anyone with filing a small claims damage action. I am barred from offering you legal advice, but I can prepare the papers for you.

This was highly unprofessional of them. Is it some kind of mind game or something that they play to frustrate potential customers? I applied. They said to wait for 24 hours, then 1 week. I waited for more than a week and then talked to a representative who further asked me to contact again after 48 hours. I waited much more than 48 hours and called after 15 days just to know that there is no progress in my application, the standard answers from standard template. Being frustrated and kind of insulted with them ignoring on my application, I had to cancel the same. They seem to be too busy in the holiday season to address our need.

After being a member for 12 years, Citibank managed to mess up my plans. I got married in October and called Citibank to inform them. They supposedly sent me a new card without my knowledge. However, they had a "typo" in my address and it was eventually sent back. Fast forward months later, I have to buy tickets for Brazil and it is the last available tickets. The airline called saying my info didn't match the credit card company.

I was very angry to find out that Citi Credit Card withdrew my money from my checking account with Bank of America without my authorization! When I called them to complain about the issue, they bounced me back and forth to different associates! It's ridiculous! I’m completely dissatisfied with their customer services! Citi sucks!

So I work as a Loss Mitigation Consultant and have tried getting a status update for about two months already. I have put complaints after complaints and no call back. I have tried to get a supervisor, calls are disconnected. I have stayed on the phone for over two hours and all I get is "Someone will call you back." I just have to let it out. Citibank is so unprofessional and I would not recommend them to anyone. Every CS directs you to someone else. They don't even take the time to review the account before assuming. I just need an update or that someone is acknowledging their own clients. Wow.

Someone took money from my account unauthorized! When I called the 1800 fraud complaint, they said it may take weeks to 90 days and interviewed me with all these questions. Then after a week, I called back and they said they reviewed my interview. They said I took out money authorized and they won't give my money back. They said if I want my money back, I need to file a police report! The ATM branch they took the money out is like 1 and 1/2 hours away from me! They said I need to go on the police station close to that ATM. This bank is ridiculous! They're acting like I took my own money and disputed it! You can't trust this bank! Citibank is a fraud!

I have been with Citibank for over 17 years and I am being penalized for their staff's incompetence. I called for one thing and the rep sold me on some extended line of credit. Block my card, is that so hard? Now because this rep did not do what I initially asked, Citibank wants me to submit my dispute in writing. Hello, I called to block my card on 11/17/12. It's not my fault. I guess they don't value their customer loyalty.

I had a credit card with Citibank Egypt since 3.5 years. My history with the bank is perfect, even the bank raised my limit two times, as I'm a valuable customer for them (this as per the bank feedback). Then I paid all my dues to the bank and forgot to pay the renewal fees. I did not get any notifications or alerts from the bank regarding the renewal fees required. Now, the bank deactivated my credit card and refused to renew it. I was wondering if this is the correct way to treat a valuable customer. The simplest thing that could have been done is to contact their valuable customer to check if the customer still needs the credit card and wants to keep dealing with the bank. Frankly, I will not recommend this bank to anyone and I will close all my accounts with the bank.

I recently had my wallet stolen and fraud activity placed on my Citibank account. As soon as I noticed, I gave them a call. They opened an investigation and had 3 different investigators call me. As early as 8am, I had one investigator that didn't even tell me who he worked for but wanted answers to what happened to my account. He spoke down to me as if I fraud-ed my own account. Days later, he concluded his investigation and said I'm at fault. I reopened the case. The same investigator calls me with the same attitude telling me I need to "answer the questions or be at fault with my bank."

I have tried since 8 am this morning to log in to three accounts. The site has been down all day. Upon calling the toll free number, of course, I spoke to someone in another country. I will consider taking my credit somewhere else. It's sad that a credit company cannot repair their site in less than 2-4 hours. I'm not impressed and don't care about a company which cannot repair their site in a timely manner.

Compare Discover's and Chase's rotating 5% cards with Citi's 5% Platinum Rewards card. Citi's rotating categories are pathetic in comparison! Not only that, they don't even have a rewards calendar because they don't even know in advance what they intend on offering for this card! I've used this card maybe a handful of times this year, because all my other cards have so much more 'practical' rewards categories. This quarter, Citi is giving 5% back on Macy's and electronic purchases. That is great if you are in the market for those, but come on! Pick broader categories, so the rewards can relate to a bigger audience! Besides, Discover and Chase offer 5% back at Macy's all year long through their shop 'Discover' and shop Chase websites. So this is really not a perk at all. If you are shopping around for rotating rewards cards, I would not recommend this card. Stick to Chase or Discover, because you will be able to get much more out of them.

I closed my checking & savings accounts with Citibank because they eliminated the free checking account. I stopped using it and closed it on the phone, but I got a letter stating it was not closed & in fact I owed over $100 in late fees. I am now trying to pay the BS fees and buy a house. Citibank is stating that they can't find the account, but it's still showing up on my credit history. On top of that, I have tried to call at least 4 times in the past 3 days and I get left on hold, hung up on, or they tell me to call back during hours. I do call during working hours but they are too incompetent to complete this transaction properly.

I am unable to recharge through Citibank. In Tata Docomos recharge option, they didn't even mention Citibank's name.

I have some subordination papers that have to be filled out by Citibank required by Chesapeke gas company before any payments can be received. I have faxed the papers directly to them on 6/11/12 and was told a week later that they have no record of receiving them. I mailed them the next day and was told, two weeks later, that they don't have any record of receiving them. I FedEx-ed them overnight on 7/5/12 and called 4 days later. They had no record of receiving them. Four days later, the subordination department sent back the FedEx envelope after telling me they had not received it, requesting two additional forms (copy of the deed and information sheet).

On 3 occasions in the last 12 months, my debit card has been hacked. The first time was at a gas station and since then, it's been because of Citi's internal practices. When Citi reissues the card, it has the same opening 12 numbers and is only one or two off on the last number. According to police, this just means that the criminal only has to wait a couple of months (until you're not checking every charge) and then make a couple of attempts to get a charge through. I had to take time off work to go to the bank on 7/23. I was on the phone getting transferred to Zemphora in fraud and the line went dead. Big surprise. The agent I spoke to initially on 7/23 about this asked me if I'd loaned my card to anyone, left my card anywhere and if I was I really sure about the charge being a fraud because it was highly unlikely that this could happen 2 or 3 times to someone. Flash to the conversation with the police: When the bank won't redo the full debit card number after it has been hacked, there will be more fraud on the account.

What does protocol means to the branch on Glebe in Virginia? Nothing, apparently. Regardless of the situation as to why my account was tampered with, certain precautions or notifications should have been taken cared of. Instead, the "manager" spoke to me as if I was hacking into my own bank account. She needs to be fired. I closed my account with that terrible branch and opened it up elsewhere. Who knows what happened here? Do not open an account with this branch and then travel. They will treat you like **.

When I went to the bank to cash money orders, I was informed by the teller that she checked on the computer for fraud because of the money orders. She stated to me that the monies were good and there was no problem and I asked her when the money would be available to withdraw. She said it was available immediately. After I took out the money, 6 days later, 2 out of 3 money orders were returned. I went to the bank to pay for all 3 money orders the next day. I called the bank to find out about the last money order and the fraud analyst manager told me the last money order had been cleared. So I took the money I put in there for that out and 5 days later, the money order showed up making me overdrawn and they charged me fee. Trying to figure out what happened, I checked my statement online and found many errors pertaining to when I used my debit card and when the bank charges were deducted. I called many times to settle this. I even put the money in the bank to pay for the money orders and no one at the bank wants to accept the responsibilities and their errors at the bank. I'm ready to have a heart attack over all this stress and worries the bank had caused me.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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