Citibank Reviews

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

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

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

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

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

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

Mukesh **

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Shannon

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

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

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

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

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

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

Shocking for some reasons:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

BEWARE OF FALSE ADVERTISING BY CITIBANK, SD.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Continue...

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Starting on August 1, 2010 I have been receiving phone calls several times a day like every hour telling me that I am late and I skipped payment, late fees etc. I have been in contact with Nicholas who stated he would remedy this for me, but doesn't know what happened to my deferment form and that I needed to resubmit.Today is August 5, and I received a phone call from Michelle stating that the interest owed from the last month is more than the current amount owed and I have to make a partial payment on it. I explained to her what was going on and that I should not be held responsible for the errors of your employees. I don't have any extra money to pay for this. This is killing me and I do not know what to do.

I will be contacting the Better Business Bureau also, which I'm also sure doesn't matter to you. This amount may not appear that much but it is the principal that customer service means nothing. Merla needs a lesson in how to treat an angry person instead of getting nasty back to the angry customer. When I asked to speak to someone else who could help me she refused, saying she was it. How should you treat someone who has been an excellent customer? I don't think this is it.

Responses are varied from, I will note your account to I will forward this to my manager and that should stop it by tomorrow call back if it happens again. It has been over 2 weeks now. I was past due when the problem started and will admit that since I brought my loan current, the problem is not as bad. When my loan was past due, I received the calls all day and some days starting as early as 6:30am. I have considered changing my phone number but do not think I should have to. I filed my FCC complaint today and will see if that helps.

Beware of CitiFinancial! The problem is ongoing. I have added their number to my friends and family's numbers on my cell phone so I don't have to increase my minutes. It just takes time away from my family while I have to deal with this. I have an anxiety disorder that is not being helped by this experience.

I deposited the check into an ATM on the 14th, and due to weekend days, etc., it was posted to our account on the 17th. On the 19th of May, the funds were cleared in our account. On the 20th, my husband set up an electronic payment in almost the same amount as the vacation check. On the 21st, early, the payment went through to the credit card company. On the 21st, late in the day, a stop payment was issued for the check, due to a computer glitch that issued the check in the wrong amount.

Citibank then locked down our account and froze us from all our assets for the entire weekend. On Monday, the 24th, on the orders of their customer service 1-800 line, I went to the branch on 6th Avenue to straighten things out in person. I sat in front of the assistant branch manager and told her I didn't even have money to get home on the bus, and that we would like to get this cleared up as soon as possible.

I asked her to open an investigation into what happened to allow uncleared funds to be electronically paid to a third party and then overdrawing us, when the check was stopped by the issuing bank. In the time since then, Ms. ** did nothing to fix the situation, and then the Asset Recovery Department started calling us at least 4, but usually 6 times a day.

I told them that I could not settle the issue on this account until the answers came from Ms. **, and until I saw a copy of my bank statement, showing just what happened. They refused to provide me with a bank statement and also refused to stop the phone calls. I finally got a copy of my bank statement through an attorney I work part-time for, who is a powerful partner at a very large firm that has business dealings with Citibank. He had to request the statement through an associate he knew in the private banking department.

Upon receiving the statement (six weeks after the initial request for information and the investigation), I went back into the branch and spoke to the manager, Claudia **. She said she would review the matter with Ms. **, and get back to me. The next day, Ms. ** called, and we started to discuss what could happen next.

Citibank wanted me to take out a loan to cover the almost $4,000 we were overdrawn because of their mistake. I told them I wouldn't pay interest for someone else's error and that they needed to provide me with the opportunity to pay the money back without interest. I also said I wanted a letter from the bank stating that should there be any negative repercussions from this transaction, that they are of no fault of ours, and that they should be removed from the record.

Finally, nine weeks after the initial incident, I went into the branch to make my first payment and sign the agreement between us. What they presented me with instead was a Promissory Note that asked me to sign away quite a few rights and also entitled them to a whole list of things, including "applicable attorney's fees" should I even default for one day.

I told Ms. ** I needed to have my attorney review the Note, and she said I could not leave the branch with the unsigned paper. I told her I would not sign it without truly understanding the breadth of what I was signing on. I don't have an attorney (The one I work for cannot give me advice due to stipulations of my employment, but he was able to request the statement for me.), and I did not have an attorney look at it. I did, however, consult with the Federal Banking Code (a horrible read), and it seems to me that Citibank is in violation of a couple of federal banking laws.

My last correspondence with them was to say that I would not be signing the Note, and that I was referring the matter to the Attorney General's Office for review. They asked me if I would instead just like to alter the language of the Note slightly to make it "feel better." I declined.

Here's the thing. Our checking account had no overdraft protection on it--by our choosing. It is my belief that they had no right to transfer uncleared funds on my behalf. In the past, when we have had deposits over $5,000, Citibank has written us a letter and held the funds for the federally mandated 5 days minimum. They have also, in the past, refused to send previously set up payments out on our behalf, when the funds weren't totally cleared.

In this instance, they just sent them along, and then they have bullied and tried to scare us at every turn. They also still have the original balance from the account locked against the debt, and they have said that unless we pay them the remaining almost $4,000, they are going to keep after us.

I have spent the last two plus months chasing around our financial picture. There were several payments that were supposed to go out the day they shut down the account that I had to physically trace, since Citibank wouldn't let me have any access to my account information or statement. We have had to borrow money from relatives to be able to pay our bills on time after Citibank locked us out of our existing balance (somewhere around $3500). We couldn't even buy our groceries the weekend it happened, as we didn't know our account had been frozen, until we were in line to pay for our purchases.

This past weekend, I had an ovarian cyst rupture--something I haven't had in over 8 years--and the last time it happened, I was under acute stress, too. Additionally, I suffer from hyperhidrosis, an anxiety-related sweating disorder, that I had worked very diligently to get under control over the past year and a half with acupuncture. This disorder is back in full swing now, and worse than ever. Also, I have had colitis since I was 10 years old, and it remains dormant unless I am under acute stress. It has now also reappeared for the first time in almost 4 years. The medical bills are stacking up, and the harassment continues.

I have begged for them to stop and to deal with me in a respectful matter, since this wasn't my mistake on either end. My husband and I have also had quite a bit of strain in our marriage, since the onset of the financial difficulties this has presented. I have no idea what they are going to try next, but I know this corporation is evil, and if they can be this horrible when I have tried to pay them back on numerous occasions over the past two plus months.

I even tried to hand them a check the day they handed me the Promissory Note from hell, and they would not take my payment "unless you sign the paper." I'm in a pool of sweat right now, just writing about this whole thing. It's not a life-threatening disorder, but a very uncomfortable, embarrassing one, and I spent thousands of dollars treating it, only to have them put me back to the beginning. Additionally, the hours I have spent reading laws and chasing paperwork have taken away from time I could have spent working in a much-needed time.

This week I received a bill from Citibank, that is 4 months past due for $542.00. They said they sent this to an email address, but I never received any bills or statements at an email address or my home address.

Now Citibank refuses to remove the late fees and fines, I have no statement and do not know if in fact these charges are even legitimate. This is a major concern considering my account was hacked into. Citibank says they are sending a statement, but they refuse to waive any of the fees.

My bank spent five hours with me two days ago trying to recover the stolen money and got nowhere. I cannot even call to find out what happened since my card number has now been removed from their database. I found out that Citi contracts with various call centers to maintain their accounts. Each call center has their own database and, apparently, do not communicate with each other. How am I to get my stolen money back? I have tried calling the State of Kansas unemployment office, but in this time of no jobs, the waiting line is too long.

With the short receipt of those funds in due time, it might force us to take a loan from another source with high interests and pay our creditors for the costs of goods in due time, beside the negative impression and embarrassment entailed due to that irresponsible behavior and unprofessional manner that these funds were handled.

Till this minute, those funds are still in an unknown third bank account with no reaction of follow-up by Citibank to recover these funds without further delay.

This has been going on since July 2009 and I am deducted US dollars from SBI New York. I have my other colleagues who send to SBI India in other cities and it reaches direct without going thru SBI New York and they get their salary in full. The problem must be with Citibank New York who has not updated the swift codes of SBI India, all branches especially their swift network is not updated with my ranch code number.

Citibank Nigeria is not taking action to refund my money as the mistake is on Citibank New York who did not update the SBI Bank Swift codes for all branches in India. I am entitled to be compensated by Citibank New York for their mistake and they should update the SBI India all BIC codes in their network system so that I will get my salary in full in my bank account in India, Coimbatore SBI Branch like all other staff. I expect someone to help me solve my problems. Since July I am losing $30 per transaction. I have written SBI India, Citibank Nigeria and many other officers. But up to now no one has solved my problem. $30 per month is a big money in India and thinking of this unattended problem, I am forced to change my bank account to another bank in India. I have been maintaining my account in SBI India since 1985 and changing my bank account to a new bank will create many inconveniences to me and my family in India.

I called a Citibank representative to ask if I could get a deferment. I also asked for a copy of the promissory note that stated that I needed to pay in full if I had a bankruptcy while I was still in school. They mailed me a copy of the promissory note, but there was no mention of having to pay the entire loan amount. After many calls, a representative told me that because I had a bankruptcy, they (Citibank) defaulted the loan's status, and by law they can collect the entire amount. I was also told that I had so many days to pay or else this loan would be given to a collector (3rd party).

Needless to say, I was distressed. I kept telling them that I'm still in school; nothing mattered. So I began work study in fall 2009 and began to pay $50 in December 2009 (they wanted $58 in order to pay the loan off in 3 years), and I told them all I can afford is $50.00. The arrangement I made with a customer representative was to pay $50 from Jan through June because I graduated in June. I was then to call back and inform them of my work status or new arrangements. Yesterday, July 1st, I contacted a Citibank customer rep and first requested a two month extension on payment because I was without a job yet now that I've graduated. This customer rep puts me on hold and returns saying that it can't be done. She goes on to say that they could send me a bill for the full month or they could give it to a 3rd party. At this point I became livid.

I told her that she can do what she had to do and I'll do what I needed to do. She said something and I repeated very forcefully, she can do what she had to do and I'll do what I needed to do. The last thing I said to her was to write it down. Write down that I cannot pay for 2 months then I hung up. I then wrote an email to Citibank student loans via their secure message center. That email is as follows:

Hello, today, July 1st at 2:21pm, I spoke with a Citibank customer representative about my not being able to pay my student loan for the months of July & August because I've just graduated and still need to look for a job. I have paid up till June 20, 2010, but I had informed the customer rep who had set up that repayment plan that my situation will change when I graduate and I have graduated. That's why I was called. This person with whom I spoke with informed me that just because I paid up till June I still have to pay the loan off.

This person told me that the loan will have to be handled by a third party or that I could pay off the entire balance. I told her that she can do what she had to do and I will do what I needed to do. I ended this discussion by stating that she needed to write down that I called and requested a two month extension, which she told me, was denied.

I pay my balance in full each month. I can't believe this is how they treat a long time customer who has perfect credit. As soon as I get my credit card rewards, I will dump Citibank, once and for all.

They are now advertising the same card I have at the 9.99% rate, but can they fix the damage by reinstating, Oh no! Apparently, their main goal in sending out a small print letter during the holidays when nobody is paying attention to the small print letters (with an action due date of 01/04/2010 by the way) is to damage as many people as they can, weakening their good customer base and holding up as many bad debtors as possible. After all, who else would agree to 29.99%?

There should be laws to protect against banks taking money from taxpayers, only to turn around and injure the taxpayer they accepted money from! My only recourse? Every single time I receive an offer in the mail to transfer my "high interest cards" to this one, I call up and give the poor kids at customer service a hard time expecting halfheartedly that at some point, someone will have an idea of who I can talk to that has some idea about customer service and how to keep a client, and how to preserve the shareholders interest!

The funny thing is, someone from the bank called again two days later, and repeated the same thing. I was confused, since they have decided to ask me to take a hike. And why call and repeat the same thing? This time I asked since I paid my bill on time and always paid the excess, whatever is shown from the statement. Why is there no gratis at all? Her answer is, someone does, but not all, meaning I am not in "Santa’s list" this year? I wonder what kind of bank this is. And should this report to the Bank of Negara? Well, for what I have read, Citibank does have a very bad reputation over the globe. But they did a very impressive TV commercial. All [lies].

I have spoken to them several times and they are very nasty and offer no help. What I get is, "We have to protect our company," and "I need your bank information for payment," even when payment is not due. I feel that there are so many people in the same situation that I am in and I find it totally unfair how they can do this. They get bail out money because of top executives' incompetence and frivolous spending at our expense. So who puts them in their place and helps people like me?

1. The first time I "transferred" balance of $7000. Luckily, I had the money in my account, because the balance did not go through, even though Citibank had sent me the balance transfer checks.

2. Their 2nd offer sends me 4 checks that I "activated.” Then in a second phone call I was told they were invalid. Had I sent the checks to a creditor I would have been charged 20.99% by Citibank for a cash advance. This has to be against the law. And something should be done about it.

I did not receive any information that this was being done. If I had known this was going to happen when I originally chose this bank, I would have looked elsewhere. And as the article I read online, this does affect those who are already trying to make ends meet. I would think that those customers that were originally promised that there would be no service charges while having a direct deposit should be grandfathered and not be affected by the new ways Citibank is changing to. Thank you for listening. I hope I can recover those fees as that is all I have to survive on.

We refused at first but then ended up paying anyway, because we wanted our title to our car. We paid for it. They then turned around and financed a second car for us, which we have now reach our maturity date on.

We could not believe they are trying to pull the same on us once again, only it's not late charges. This time they are actually saying that we agreed to defer several of our loan payments and apply it to the end of our loan. They are also saying that its $3,500 and we requested copies of our payment history. They also said that they mailed us something that only they themselves would be able to figure out.

A person can't even determine what was paid on paper and then none of it matches up with what our statement saying that we paid for this car. My husband was laid off from work for 2-3 months ago and we struggled to continue to pay this loan because we looked forward to paying it off so we could finally be done with Citifinance for good.

Now they are doing this to us again. It's just not right that they can do this to people this way and get away with it. We are angry and we are hurt by it. It's just not right.

That was verified about the senior account representative from Citibank. Even with opening a new account, they would do absolutely nothing to give back points. They’re unsympathetic, citing only terms and conditions, which are extremely confusing regarding how points expire versus actual losing points. My family has lost the ability to take a vacation. I have lost the ability to at least use the points to pay down student loan debt. A total of 166,007 points, I’ve lost, which is still accounted for in the ThankYou network system, but Citibank will not honor.

Well, fast forward to 2010 and suddenly Citibank ain't doing so well. They are laying off workers, closing banks and now, they are also getting a bit greedy and money grubbing and stalker-like. In December of last year, my payment got to them a day or two late due to the holidays delaying payment. Never a problem before as it's always been the 15-day allowance anyway. But then, they called. So I answered and they are busy getting all mad that I was late with my payment and if there is any problem economically in my life, they can work with me to make my payments easier.

And I'm like, "What are you talking about? I paid my loan as I always do. You guys are just late in processing it. Since when do you call if it's one day late when you get 15 days to fully pay any loan?" And she is telling me that they have every right to contact me and follow up on any payment that is deemed tardy even if they can't charge me or fault me for being within the grace period. It is their right to contact me to see the status of my being able to pay it.

This was the first time this started so I was nice about it. "Oh, I understand. Yes, it's on time and I work for the government and my job is stable so it is fine. But I know you are doing your job," etc. She got all nice about explaining other options I have and that she is glad I'm able to pay on time but if ever I wasn't please, let them know so I won't be late, blah, blah, blah.

Now, we get into February and the phone rings again. I'm like, what now? Not again! I didn't answer the first time and I didn't answer the second time but the fifth time, you better believe I answered and I just started screaming into the phone without even letting the person answer. I told them pretty much that "This is the fifth time you have called me today about a payment I have sent you. This is now harassment and bully tactics. Update your own systems to process payment faster and leave people alone who are paying their money owed to you. If this continues, I will report you to the proper authorities for harassment charges. Good day!" And I slammed the phone down hard and funny enough, they stopped calling.

But I decided to switch to online payment instead as maybe that would help speed things up. If I sent it via the computer, it had to be faster. Boy, I couldn't have been any more wrong. Again, I get calls. I answer to find out what is going on here. I paid online this time. They tell me that it takes a few days to process the online payment and it just hasn't been updated and they request money via credit card to clear it up. I'm like, "Just leave me the heck alone. You got your payment and even online, you are now processing things late. How can that be?" She wasn't sure how to answer and just said that the calls will stop within a few days once payment is processed.

For awhile, it did stop with the online payment and funny enough, they stopped mailing me the envelopes in the mail to make my payment even without asking if that was what I wanted. Okay, fine, whatever. I will pay online from now on since it's easier for me. Well here we are in June again. I put my payment through the week before and I guess that three-day holiday messed them up in processing and the phone is ringing off the hook from them again. Six times this day alone.

But it's time to report this company. Their practices are just awful and the way they treat people who actually pay them within the time frame they are allowed to is sickening. If this is how they treat people who actually pay, I would hate to be someone who isn't paying the greedy company. I know times are hard but one day your company doesn't process something, and instantly it's the customers fault? Never Citibank's fault for having a slow system in processing a payment sent via the internet. Wow.

I have now done whatever I can to make sure the company is reported and that the proper authority and government agencies are alerted to the way Citi does business. I would understand if it was a few months late or no payments and what not. But one day after due date when you are allowed 15 days by their own rules and they admit it's their own slow processing speed to start bothering customers is just wrong for so many reasons.

I will start migrating all my banking services to other banks. I'll also make sure to post this message everywhere, so other will be aware of how horribly Citibank treat their loyal customers. By the way, I used to believe in Citi. I currently own more than 20,000 shares of Citi stocks. I will be changing this position going forward.

1. This is the tipping point of my dissatisfaction with Citibank. Today, 2010.05.17, Citi Premier Pass card decided not to honor the credit limit overage usage that is build into my account. The reasons, one, I haven't been utilizing my credit line nearing my credit limit. Also, I'm not allowed to transfer my credit from one card to another.

2. Citibank has been cutting my credit to the minimal - the reason being that I have high revolving debt. However, I've never been late with any payments. The high revolving debt is actually used for business investment purposes.

3. Citibank decided to close out my Business Checking Line of Credit without any prior notification. This caused me quit a bit of headache since a number of transactions were rejected due to the line of credit not being available.

4. Citibank started to charge $10 for automated draft from overdraft protection line of credit. The overdraft protection line of credit is designed to protecting overdraft. Citibank started penalize the automated draft. I have to manually transfer money out of overdraft protection line of credit to checking. What's the point for having automated overdraft protection line of credit?

5. Citibank raised my credit card rates to a whopping 30 percent. Thank god, I pay off my complete balance every month. 30 percent is ridiculously high. It's highway robbery.

Below are my accounts with Citibank:

Three Personal Credit Cards

I monitored the old account both online and on the next billing statement. The three unauthorized charges on the date I was notified by Citibank, December 19th, were followed by a credit to the account. There were no other unauthorized charges. I received my new credit card during the first week of January. Unbeknownst to me, Citibank transferred the unauthorized and fraudulent charges (of which they were aware as they initiated the process of closing my old account number and re-issuing a new card) to my new credit card account number.

When I became aware of it, I called and was told I had to fill out the Declaration. I did so, but am now being told that because I did not dispute the charges within the time frame, I am liable. The charges amount to over $3,000. I explained that I did not believe I had to dispute the charges because it was Citibank who notified me the activity was unauthorized and fraudulent and that I was told my account would be credited for those charges. I was told to monitor my account for any other unauthorized purchases, which I did. In addition to incurring numerous hours reviewing past statements, writing letters, filling out declarations and on telephone calls, I am presently still being charged the original $3,000 + for the transactions, plus foreign currency transaction fees and interest.

I know companies can change the terms of the account; however, as a Charter member, I was promised "no annual fee for life". If this wouldn't hurt my credit score, I would cancel this account.

I have a Fico score of 830! I imagine that if I close this account open this long with a $18,000 credit limit, my credit score will take a hit! This is not right! I did not receive any written notice of a change of terms as the customer service response indicated. I didn't even know that my interest rate had gone up, as stated in the customer service e-mail. I just checked and it still is 9.72%. I don't know what to do. Please advise if I should write a letter to my Senators, the CEO of Citibank or what. Thanks for your service!

I called Citibank to ask them if there was any way to keep my credit card account from closing and they told me no. I just felt that it was really odd, and I asked what the exact criteria was for closing my account. The customer service representative told me that the company had the right not to share that information with me. I thought they may have closed it because of my low interest rate, which was 8.24% and they were trying to raise it to 14.99%. I also spoke with the customer service representative supervisor and an account manager who all repeated the same thing. I am very afraid how this might affect my credit score. This was my oldest credit account. I am worried that it will look bad because it will have a balance remaining. I also used this credit card for emergencies. I feel that my life line has been taken right up from underneath of me with no warning at all.

They said they could not do this at this time for my account but check at the beginning of the month (May 2010) as they had new offers all the time. Well, I checked and not only were there no new offers, because I closed my account they raised my interest to 28% something which put us just shy of $800 per month in payment due. I told them there is no way I could make this payment. They said if I made this payment and reopened my account, they would reduce to the interest to 14.8%. I said I couldn't make the $800 payment and there would be many months I couldn't pay 14.8%. They said I should go to a credit consolidator. I tried that in the past and we did not qualify so basically the year of payments did nothing but put off the inevitable. I'm not asking for free ride, just some understanding.

So, I called Equifax who went over my report with a fine tooth comb and could not find anything delinquent on my report. I also had very few open credit lines. So I wrote a letter appealing the decision and enclosed my credit report. (Equifax was also issuing Citi another copy). I asked for a reasonable explanation for the decision and to review my cr report again in case there was an error. I got back a generic robotic impersonal general response that my account would be closed. So I wrote again, this time to the CEO demanding an explanation. I am awaiting a response.

Here is what I firmly believe: Citibank took a billion dollar bail out which is indicative of a seriously flawed infrastructure. They have not been able to pay it back because of the same. So they had a big pow wow and decided how to increase their profits: get rid of the little guys; the ones they are losing money on, and keep the big spenders and high interest customers, the ones who are deep in debt. Can you believe it? Well, it says a lot about them as a company: Don't know how to manage money and have no customer service skills. What comes around goes around. Its just a matter of time that they go belly up or get bought out. You can't stay in business with these types of practices!

Suddenly closing my account like that may bring my score down. This has been my only card for 13 years. I even have the numbers memorized. It is always with me in my head. It is a 7% interest card. Now I have to find a new one and it will probably be a much higher interest rate! I will be lost without my card in my head. So many merchants online have that card as my saved method of payment! This seems against the law to kick you out for bogus reasons. I wish I had legal grounds to fight them. I see I am not the only one on here this has happened to. I am sure millions of long-time customers are experiencing this!

Anyway, I answered the phone yesterday, not sure why. I guess I was feeling good. I agree to send money, and I agree to do it online today. The lady never stops talking the whole time, getting assurances I'll pay, reassurances I'll pay, thanking me over and over, apologizing that I should be unemployed and on the dole. Oops, she got it out of me. Nice. I am on the dole. So like I said, I agreed to pay, today.

So I go online and try to sign on, but I can't remember my password. I only remember how much I hate this website. They get me a new password, some DLZQ something or other so I can get a new new password, and I paste it in, but "for the sake of security," they need to ask me some personal questions. "Verify," I think they said. These questions creep me out for real, and sometimes they ask me to verify things I don't remember giving them. But because of one particular question, I am starting to believe that my answers are being collected, rather than verified. I have no proof of this. Perhaps in some state of sleep I might answer some of the questions about teachers and friends. I'm not sure why I answered those in the first place. It seemed innocent enough I guess, but this time they asked me "the last name of my first girlfriend," which quite frankly is the creepiest question I've ever been asked, by anyone. It is the cause of this letter. If I were on the street and a representative from CitiBank asked me to verify the last names of women I've known, at first I would become angry, red-faced (as I am now), and then I would call for police.

Perhaps this is something that public affairs should look into, or at least be aware of. What kind of questions are they asking people? Have other people taken offense as badly as I did? Are they in fact collecting responses while fraudulently claiming to be "verifying for security purposes? " Why do they ask these types of questions in the first place? To verify for security purposes they could ask an infinite number of harmless questions.

From the "harmless" questions I've answered from Citibank someone could easily write my biography, from where I was born to what cities I've lived in, where I attended school, who my friends were. What my pets names were. How old I was when I lost my virginity. What grade I was in at the time. Who my favorite teachers were!

Now combine this with the information they have on me as a client. My social security number, free access to my credit records (which they can ruin). Where my first bank account was, who my parents are, how much money I make and how much money I've made for the last ten years. How much money I owe and to whom. Where I work, what my phone numbers are (all of them). It goes on like this. Well, CitiBank, now you know I'm unemployed and on the dole, and you'll get their money, but not online. No, I think the check's in the mail.

I was then kicked out of the reservation screen and had to start over trying to reserve my tickets. I repeatedly called Citibank to get the credit card number, and they said I would have to wait. I repeatedly called Expedia, and they repeatedly lost my call, hung up on me, and were unable to help me. I decided to go ahead and book and then get the payment transferred to the Citibank card. Expedia refused to do this. It was bait and switch.

I never should have used Expedia; their customer service is awful. I never should have taken out the Citibank card. It was a lie; they did not give you the $100 credit. I will never use Expedia again. I cancelled the Citibank card. Expedia will never help you. They are horrible. You have to call them 10 to 15 times to get through, and when you need them, they will not help you. Citibank and Expedia made the offer, and it was a scam. My reservations are not cancellable and they screwed me. Do not let them screw you.

In the past year, there were 2 occasions when there were insufficient funds for the automatic payment--an oversight on our part but was made right in a matter of days. Citibank cancelled his card even though the balance was paid in full within a few days. Clearly, it was an excuse for them to cancel a card, they were not making any money from.

In our case, it didn't pay to responsibly keep a zero balance on a credit card for 20 years. The only conclusion we can draw, and that we spoke with Citibank about, is that it is not in their best interest to have customers who are responsible and debt free. We're asking that you please look into this credit card practice that has larger implications for our society's economy than our individual case. We appreciate your help. Thank you.

My husband has an excellent credit score. Since Citibank cancelled this card, it unfairly counts against my husband's credit score. We're not as concerned about our own personal loss as we are about Citibank's practice and the economic impact on society. That may sound cliche and smaltzy but it's true.

Then two weeks ago, we get a letter in the mail from Citibank saying that due to our changed financial situation they are cancelling the card. It was their action that allowed that to happen. I have been a faithful user of the Citibank for over 25 years and this is how they show their appreciation. It was not like we were not paying them, we were.

Today, I received a letter in the mail telling me that my account has been cancelled due to delinquency on my car loan account which is not related to them. This account, I am currently fighting because my brother drove my car while I was out of the country and he got into an accident and now my car is non-operational. I transferred temporarily to him and he was four months behind in payment for a non-operational car. Long story short, all payments for the car has been made and now, I am trying to clear my name from this.

I do not think that it is fair that Citi Card is cancelling my credit account for something not related to them and which I am currently fighting. I have been good to them and when times were rough, I never defaulted on them. It's not fair.

I questioned the "recently changed standards", but again she could not explain details of the standards because "those standards change so often". I am left wondering why my account is being closed all of a sudden when I now have less credit card debt and Citibank is one of two revolving accounts that I have had for numerous years.

The funny thing is that I had recently transferred a balance to take advantage of the 0% APR offer and the company is not making any money from their ridiculously high interest rates. I will be glad to take my business elsewhere and highly recommend that others do as well. Citibank is a company that does not care about their loyal customers. I urge others to choose another company. If this closure results in a negative effect on my credit report, it will not be the last that Citibank has heard from me.

This is false and misleading because no credit was ever received back on January 7th. I am still out of $300 and they have chosen to not look into this matter further. I have never had to deal with such unhelpful people. The only money I receive every week is from my unemployment card and they have chosen to disregard the fact that I rely on this money every week to pay my bills. They need to be reported and investigated on how they conduct business.

I told everyone of them that the payment was scheduled and to look at my account prior to calling but insisted that they would keep calling until the payment was made. And when I also explained to them that I never got any paper work for my loans on payment schedule, the guy begin to explain it on the phone when I requested it in writing several times. And still have yet to get the dates that the forbearance/deferments were to end since only 1 of my loans is in repayment at the moment. Constant harassment and calls as early as 8AM.

So what I did was jumped on the phone right away with Citibank and that's when they apologized (which they seem to be good at only) but later found out they need a 3 days advance notice. On top of that, Citibank can't do anything to help me retrieve the amount and even advised me to look into shutting down my account and open a new one. I'm already stressed but for them to tell me they can't help me further and to shut down my account, which I've had with them for over 10 years, just didn't seem right. I'm very shocked and disgusted that they couldn't do more to protect their customers, the very people who's been supporting their business. With today's technology, I'm even more baffled that they would need 3 business days to process any requests and everything is done online easily with a click so surely even within 24 hours, requests can be accomplished. If we were still doing snail mail, then I can be more understanding.

Anyway, they seem too careless and kept referring to their automated prompt messages because every person I spoke to, including the supervisors, gave me the exact reading. Worse off, Citibank said there's nothing they can do to help me further. I'm very angry because this is my money and I'm Citibank's customer yet they're doing nothing to help protect my money. When I even threatened to close my accounts, they said sure without hesitation as if my 10+ years as a patron means absolutely nothing to them. I urge people who are looking to open a new bank account to not do business with Citibank! Anyone knows of a good, trustworthy bank who's efficient and cares about their customers?

I have never, in 30 years, missed a Sears payment or been late in mailing or submitting it. When Citibank took over, my payment was mysteriously late, even though it had been submitted online several days before it was due. This is the excuse they used to raise my interest and close my account. I have already, paid them more in interest alone, let the principal of the transferred amount. I am tired of being swindled by credit card companies which lured people with low interest rates and low monthly payments and then changed the rules. Why are consumers bound by their contracts, when the credit card companies are not? They keep changing the contracts with no recourse for consumers and because they have raised the interest so high, it is nearly impossible to come up with a lump sum to pay them off.

Citibank called to ask about the missed payment, I gave them a check number right away to make this payment. Unfortunately this payment was supposed to come out of my money market account, so it bounced, I fixed it immediately. I actually realized my mistake before the check bounced, called Citibank to give the right number, they would not take it until the check had bounced. They said they would assess a fee and that would be the end of it. Citibank took away all of my credit but $1,0000, before I had been at $23,000. I requested it to be re-instated and they refused.

To make a long story short, I'm paying several hundreds of dollars per month but my balance is not going down. I'm paying much more that the minimum. I've had a bank account Citibank for several years and this is how they show their appreciation by robbing me each month and they think they're going to keep me as a customer. At this point, I'm ready to close my bank account which they would have had me as a customer for the rest of my life if they were not so greedy. I never agreed to this APR. I'm not a deadbeat but I'm tempted to stop paying until they lower my APR.

It also wants you to send this information to a fax no. 1-415. It also had my wrong mailing address on it, but it somehow got to the right post office box. No damage was done, I checked here first, but I wanted to let you know that the grant scam is in Arkansas now.

Citibank's treatment of Maryland's unemployed: I have been advised by Nelson with Citibank Prepaid Services that my account was suspended because mail was returned. No attempt was made to notify me by phone or email that my account was suspended, so there was no way that I would know that my mail was returned.

On Sunday, 03/07/2010, I filed my unemployment cert online with the Maryland Unemployment website. On Monday, 03/08/2010, I checked to see if it had been processed, and it had been processed. This is standard procedure. According to the website, the funds are available by Wednesday. Each time I've filed previously this was the case. Nothing has changed. This time, it did not go through.

I contacted Citibank and spoke to someone whose name I didn't catch. He told me, "No problem, I'll put it through again right now. You'll have it available by Friday." I asked to speak to a supervisor. He said he'd put me on hold, and then hung up. I next spoke to Tyra, who sent me to Autumn. Autumn advised me that nothing could be done, except to put it on the card. This would be nice, except Citibank has never sent me the debit card. Autumn said I would be contacted within five minutes by a supervisor. This hasn't happened, either.

I knew that I would be cutting it close this week and in fact have $2.05 available in my bank account. I was going to move into another apartment, but that required a payment of $233 today, which I cannot make, so technically I'm homeless. And with $2.05, I'm also broke and will have to go to a soup line. This is Citibank’s fault, not mine. Citibank will make no accommodations for their mistake. They won't wire my bank money. They won't budge.

It's very hard to become employed again while homeless and destitute. And it’s because of a Citibank error that they won’t rectify. I didn't get my apartment. I will have to eat in a soup line for two days and am technically homeless, at least for two days, if not longer. Citibank needs to be penalized for this and in a very big way.

In December of that same year, 2008 we decided where we wanted to go and I called Air France to make our reservations from which we would be able to apply about half of the value to new tickets. We had until July of 2009 to make new reservations and I was calling a full 8 months before that deadline. When I gave our ticket numbers to the Air France rep, she said she was sorry but just about a week and a half prior, my tickets had been cancelled and a refund requested and since if a customer cancels one segment of a round trip ticket, it automatically defaults to a one way which is more expensive than a round trip, therefore, technically, there is no actual money to be refunded! Dumbfounded as I had not contacted Air France in months, I asked just who had called to cancel my reservations and was told that the travel agent I had bought the tickets through had! They did this without my knowledge or request and I had no idea why!

I proceeded to email and fax this merchant and did not receive any responses. I tried calling but since I do not speak Turkish, this was rather difficult and got me nowhere. I finally decided to open up a dispute with the Citibank credit card dispute department since they have experience with this type of thing and would surely (or so I thought) be willing to help me especially with the language barrier.

Citi ended up telling me that the charge was considered valid and they threw out the dispute even after I provided them proof from Air France that I was not the one to request the refund. The dispute department refused to reopen the case and I finally got someone to give me the address to send a complaint to the Office of the President in South Dakota.

I wrote an extremely detailed letter regarding the whole story and Wendy ** at the Office of the President wrote back and said there was nothing she could do because I did not make the changes on my reservation by July of 09! She didn't even read my letter obviously because it was in plain black and white that I had called in December of 08 and even more ridiculous was the fact that I had opened the dispute with Citi due to the simple fact that Air France would not let me make a new reservation when I called in December of 08 because the merchant I had the dispute with cancelled the tickets! I thought Wendy ** must have just made a mistake and didn't realize it, so I wrote her again and a few weeks later, I again got a letter back from her with the same ridiculous claim that I had not changed my tickets in time.

Now my small business credit is ruined and I am at a complete loss as to what else to do. I refuse to pay for a service that was not provided to me. I was basically stolen from and Citi just leaves me, who has been a great customer for years, to suffer the consequences. All my other bills are always paid on time. Citibank is appalling in their incompetency and to put blatant lies in writing from the Office of the President is inexcusable.

I am at a loss and don't know what else to do. I don't have the money to hire a lawyer and all of my pleading phone calls to various departments at Citi have been futile. I am losing sleep over this and desperately want to get this off my credit and move on with my life. I have literally spent hours upon hours for over a year now trying to rectify this dispute with Citibank.

March payment I paid on line without help from the Citibank's Student Loan employee. I know many jobs outsourced overseas to India and other countries and Citibank is probably next to employ workers from overseas. When this call center employees are rated disqualified, useless to operate simple tasks as to receive a payment by phone and help one of their own countryman. The harassment of the phone calls and the deaf ear on their end is unbearable. Sickening to waste our time and effort to explain to them over and over the payment is not late, I paid the payment etc. My bank paid the payment and the ignorance of them; they advised me the investigating team had other more important matters to attend to first before me.

Prior to this I had a credit limit of $25,000.00. On February 26, 2010, I scheduled a payment online to be paid by the due date of March 23, 2010, at no time did it show that the account was past due. They state that the account was due on February 25, furthermore they told me that if the account was past due the computer would not allow me to make an internet payment. I stated that I was able to schedule a payment for March 23 so there must be some problem with their system, I was told that they would not reinstate my previous credit limit.

I have closed the account, this after being transferred to 6 different departments and being disconnected 4 times. I always pay this account in full each month, this is not the first time Citibank has done this. I had the same problem a few years ago, but they corrected the problem. I believe Citibank is acting fraudulently and not in good faith. I think it is rather drastic to reduce a credit limit from $25000.00 to $200.00 and not even look into a computer glitch.

Now, without a previous warning, letter or telephone call, they make this unilateral decision. I called and the representative was very rude and unhelpful. I asked her that if this is the way they treat customers who have always paid on time for so many years, I wondered how they treat customers who are having problems because of the recession. All she, Pasha, answered was that the rules are that way and that you can be one day late and that is considered lateness.

I wonder if this new policy has anything to do with the new regulation that Obama is signing about extending the credit time because of the recession. If that is their customer service, no wonder they are in such a big financial problem. I told her that I would complain with Consumer Affairs because I think that these actions are not only unethical and show poor management/customer skills, but also they have to be illegal. They are affecting people's credit at will and one sided, when this is supposed to be a contract.

Please advise what action can be taken against these inconsiderate greedy octopus. This affected my credit limit therefore I was denied the use of the card when I made a purchase. They have no right for this aggravation and humiliation toward myself. Thank you.

So I decided to end our 18-year relationship even if it did hurt my credit. So I called Citibank and cancelled my card. Among many things that were said in the call, their customer service advised me that since they lowered my limit, they would be at liberty to charge an over the limit fee for every month it was over the $200 if I hadn't have paid it off. If there's anybody who knows of that being legal, please let me know. I've had them lower it to just over the balance but never below and then charge fees for using the credit they extended and then took away.

I, of course, have no other recourse than to advise those close to me (and anyone that will listen) of my treatment and suggest choosing another business partner and the other two credit card companies that I paid my balances off didn't send me a letter lowering my limit, yet, of course, they sent me the promo APR letter to try and get the debt back on their books (makes sense to me but not to Citi). So in closing, do yourself a favor and avoid, avoid, avoid. You know who or this could happen to you. Thanks.

Why was I not given RS. 20,000 in one transaction? I am a very old customer of Citibank and I pay my dues in time over so many years, but I feel cheated and disgusted by this.

Some of them would harass and abuse me, one of them actually threatened me with serious physical injury. In September 2008, I wrote to Vodafone and they sent me a mail confirming that I was not Mr. X. I forwarded that mail to Citi and asked them to verify my identity by visiting me and checking my documents. I asked them again to stop harassing me. They promised to do so. The calls stopped for a few months, but restarted again. I complained again by email. Citi said that there was an unusual error in their system and that's why their callers started calling me again. They assured me that they resolved the matter.

But it happened again and again and they gave me story of "unusual system error again and again". Finally recently, I threatened to file a suit against them for harassment. Lo and Behold, suddenly their Vice President level person (or one who said he was vice president) called me and expressed a desire to meet at my convenience. I asked for reasonable compensation and apology. I am still awaiting that for over 2 months. I think that Citibank systems are very bad, they deserve to be taught a lesson. Their systems don't allow their staff to deal with humans, but only with money. Screens of their staff say something and staff has to do that. If it's human at the other end, and they can't argue with that something, they just say that they will solve the problem but actually (perhaps) their system does not allow that. That is why we get harassed again and again.

In their system, a consumer is dealt politely and with respect so long as all is OK. But if for some reason including bank's mistake, something goes wrong then the system of Citibank is designed to treat the consumer as a criminal. The staff in collection department or such departments seems to be trained to be hostile and even abusive. We should all try to get together and push these banks to improve their systems. Perhaps just pushing is not enough, law suits specially class action type law suits seem necessary. Incidentally I had similar calls from other banks also for such matter. Apparently Mr. X had not paid to other banks also. But all banks desisted once I sent them Vodafone email (saying i was not Mr. X). Only Citi seemed to have some special systems for customer harassment.

I think that what they do constitutes breach of the original contract and should be illegal. Had I known that the company can change conditions of the contract prior to signing it, I would have never entered into the contract. Please, advise me if I am right or wrong.

I told them that I would close my account as I have been planning to do so for a while now. They were happy to close my account and I was not able to get my reward dollars then since I'm closing my account. I'm so "glad" that my tax dollars went to save a company that could care less about anything other than making their money! I'm out $150 at the end of it all for a day late of payment. Got to love financial institutions that play Russian roulette with our money and get bailed out with our money and then scam our money with it!

I have never seen such a bad customer service in any of the four other banks I deal with. I really have many other important things to do in my life, including work and have no more time to waste with these non-professionals. I just want my letter that should be ready long time ago. I am now driving with an expired license because of them and they do not care. Note that several times I got apologies from them for errors on the system. Please help me!

I will now be charged $120 a year total for just having two cards that used to be free. I was not aware of this when I transferred my balances to the cards at 0% and this will now force me to use my card and incur endless finance charges due to the credit card' requirement to use the cards to avoid the fee as well as the policy of paying lower balances before higher ones.

They tell me that I can close the accounts but since both cards have very high credit limits this will more than likely have an adverse effect on my credit score. This seems to be an attempt by Citibank to squeeze in new fees before the new law takes effect.