Citibank Reviews

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.

I called Citibank and after getting nowhere with the customer service rep, I was sent to an account manager, Ben. I told him my interest rate was at 11.15% and wanted to know why they were increasing it to such a criminal level. He reviewed my account and said the same thing that was on the letter: "We need to increase the rate in order to continue to provide people with credit. This is a business decision that does not target you specifically." I asked him if Citibank was doing this to all of its credit card customers. He said, "No."

I asked him what the criteria were for being chosen to have this happen to me. He said he did not know. I asked him who I could talk to about this; he said "no one can change this" and that "the interest rate may be lowered later on, but there is no way to tell if or when this will happen." He again confirmed that I am a customer in good standing and have been paying on time. This will make it very difficult to pay off my balance in full, elongating that process and costing substantially more.

So then, I tried to transfer the amount to two different Bank of America credit cards, each of which had a large credit ceiling (one card offering 1.99% and the other card at 1.99% also). The first card had a balance of $6,400 with a ceiling of about $25,000. The second card had no balance on it at all and had a ceiling of about $12,000. I did the transfer online and received a phone call from Bank of America the next day declining my request. Not only declining my request but lowering my $25,000 card to $6,500, which left me no credit amount on that card. And canceling the unused card altogether.

Ironically, I received a phone call that same night (2/8/10) from a Bank of America associate on a follow-up call to ask my satisfaction level on my new upgraded "World points" credit card! (The one they had now just reduced to $6,500 with no credit left). I just sat on the phone laughing. The woman on the phone said she would document my concerns and dissatisfaction and make lots of notes. I'm still laughing!

NOTE: The lady from Bank of America said I could call up Citibank and talk to their hardship department and claim hardship. However, I explained to her that we can make the payment, it is the principle that is incorrect here. We are middle-class people who actually pay our bills on time and are responsible to our obligations. We cannot claim hardship anyway because my husband has a high security clearance and it will send up a red flag. So we pay 22.9% unjustifiably.

This is how they calculate. They allocate the payment to the lowest interest balance first and to higher, and the last to the highest. As a result, they could charge more interest on the remaining higher rate balance. I am complaining this for the others who make balance transfer to Citi card, there are so many catches and end up paying more interest than the other credit card which people thought they could save. This bank is ill.

My husband has dementia, and when he was well, he wrote the checks and handled the finances. Now that he is in the VA facility, I have to take on all the roles we once shared. I am under tremendous stress, just trying to stay current with all the bills, with the lost of my husband's income, attending to my husband at the VA facility, and working full time.

I know I am not the only customer in this situation, and I hope you are willing to work with me as I try very hard to be responsible to our creditors. With the current interest rate of 29.99%, I will never be able to pay this off and get out of debt.

During these times, we are doing the best we can, and the options we were offered sounded generous. But from what I have been told by Citibank, our credit rating will suffer. We have been valued customers of Sears for many, many years. If Sears can intervene in this matter and work with Citibank to give us back the promotional rate, it would help our financial situation greatly and not hurt our credit rating, which is very important to us.

October's statement stated my interest was going to 29.99%, because TD Bank did not honor the first payment sent. I called Citibank, explained what happened, and was advised to get a letter from TD Bank acknowledging their error and that rejected payment was not due to insufficient funds and stop payment of anything initiated by me. TD Bank issued that statement, admitting they were solely responsible. I sent a copy of that letter to Citibank. Thinking everything was taken care of, I received my January statement with 29.99% interest and minimum payment of $519. That's over $380 interest per month.

I agreed to this, then was hit with a surprise $10 fee because the transfer did not work through no fault of my own (the Citi employee must've erred on the routing number). And (3) As CitiBank encouraged, I registered my new account online with paperless statements. Now, CitiBank online system has mysteriously lost $1000 of my initial $7000 deposit. In other words, I am deprived access to the full $7000 as $1000 remains lost in Citi's vast cyber abyss despite 3 or 4 repeated inquiries. Now, inexplicably, Citi has closed off all online access. I think I need a lawyer.

My statement was never mailed to me until after I made the big fuss. On 12/16/2009, I received a past due notice and late payment request fro $498.66. This is ludicrous! How can I possibly plan my budget mid-month during Christmas, when Citibank overlooked my upcoming payment due and knew I had no knowledge that this huge amount would be due. How can they legally collect late and past due fees when I had reported I had no access to my online account activity? Is this legal? Are they going to be held responsible for illegal lending and collection practices after never mailing me a statement?

According to Citibank they do not have to mail a statement when I am in forbearance, thus, they were not legally bound to notify me that if I didn't make at least an interest payment that my loans would go into past due default. Is my credit ruined? I'm not a lawyer. I went without purchasing Christmas gifts, celebrating with family out of shame, and had a crappy New Year's with no funds to speak of to buy food. I applied for a debt burden request and qualified 12/21/2009 but still didn't receive a statement until 1/19/2010 - one month later!

On 1/20/2010, I called Citibank to complain that I couldn't use the website to log in and access my account to make an interest payment, and that's when I spoke with Bill SE127. He quoted me the total interest on the loans wrongly and I found out upon a second call to customer service. After I asked him the payoff amount for the lowest balance, he processed my electronic check before adding in the total interest due on all the loans I wanted. I asked him to add it into the check total and he refused. He said "I can only process one transaction per day per customer, so you'll have to call back tomorrow. "

I told him that my payoff amount was for one loan, and in addition, I wanted to pay the interest due to bring all my loans current. I requested he void the transaction and he said he couldn't. I asked him to get me his supervisor and he hung up. That was not the first time something like this has happened. I called about the website problems and they seemed biased during the entire conversation. Are these people sitting in a dark room playing with yo-yos?

I called back right after he hung up on me and spoke with Jeremy SEKD7 who told me that what Bill SE127 in customer service said about not processing two in one day or not being able to get a supervisor or voiding a transaction or starting over was wrong. He did not apologize, instead he said that's the way it goes when a consumer gets connected to the collections department when phone calls for customer service are re-routed. Collections handle the callers differently. Jeremy closed the online account and said I could just start a new one if I wanted. And poof, just like that, he cleared up the online mess I've been having since last year, and without an online account, they have to mail me statements!

Funny nobody at Citibank told me that before. Jeremy gave me an interest amount total that was slightly higher than what Bill had quoted me only minutes before but he processed it at that moment. My guess is that interest accrues every few seconds on loans at Citibank! These mega banking, financial institutions, and credit card companies have gotten the last piece of my business. I will never do business with Citibank again!

After I verified my information, I again contacted CitiFi and was told it was okay as I had my payments up to date. I am in the process of purchasing a new home which I need due to medical reasons. I have issues which make maneuvering the 2 1/2 story home I am not in. The home I am looking to purchase is a ranch, one level. I am now being denied a loan due to the fact that Citifinancial Auto has entered a 30-day late pay on my credit reports. I have made numerous calls, for several hours, over a 2-week period of time asking that this be removed from my report.

I am given numerous excuses, transferred from one number to another numerous times, given bogus names and extensions for "account managers", refused to allow me to speak to a manager or account manager, disconnected my calls, transferred me to a non-existent line-- you name it, they are doing it. The last few calls that I made were just disconnected once I gave my account number. Obviously, Citifinancial Auto can not admit that they made a mistake for fear of opening the door for probably hundreds of suits from individuals throughout the country. I have heard of such situations, but never experienced it until now. I am sure they assume I will give up and they have put me through so much runaround.

However, they have taken from my family which I don't take easily. I will continue to pursue and file complaints, etc., until this is resolved. It will be too late for me but hopefully shed some light for others. When I call local Citifinancial offices, I am told they can not help me as they are not affiliated with Citifinancial Auto, that my only recourse is the 1800 customer service number.

I then stated to them that I had made purchases as to an AT&T phone from Citrus Mall Radio Shack and other items and did not have a problem until now. I stated that my address was updated and so they should have sent out a bill to me or even through my email address (I currently receive emails from Radio Shack). Anyway, I was not aware of my bill of $13 until notified by City Financial (City Recovery department) by a telephone call (not a bill) to me, back in November, December sometime. I then immediately went to the nearest Radio Shack to pay the bill and when I tried to pay the clerk, she then said that I could not be identified and was no longer in the system.

I then told the clerk about my problem and asked the clerk why I was not in the system and she tried to help but also got the runaround. The clerk finally got through to a person in India who said that they would send out an invoice which I could pay the bill, but till this day, I have not received that bill. Since the week of January 4, 2010 again, I tried to make a correction to this problem and was told by one person (a woman) that I needed to pay my bills on time, which I thought was very rude. After hanging up on her, I then called and spoke with another person who said that I would receive a bill in the mail, and to date, I have not yet received this bill.

Why was I not notified of my balance from Radio Shack? And why my bill was turned over to a collection agency avoiding me the opportunity in paying my bill? This is not legal and should not be allowed. My monthly bills are paid each month on time and if they were to check my credit history, it's good due to my past history of paying all my bills on time. Check with my Utility Company (TECO), Verizon, Ford Motor Credit. Please note that I am not going to accept this unfair act and negligence in handling this matter.

Please note that due to the company's negligence, I will only pay my bill of what's owed and nothing more due to not being notified (Bill/Invoice) by Radio Shack and not given a Bill/Invoice from City Recovery.

There is no damage with the exception of credit report, and my pride. I feel that Radio Shack (the real source) should have notified me of the $13 owed to them before turning over to City Recovery which is City Bank Financial.

I did try on many occasions to pay this but I got the runaround and promises made were not fulfilled, such as I would be getting a bill in the mail identifying what was purchased and actually getting a bill. The way they have handled this situation was not valid and meantime my interest rate is steadily going up. Before, I was told it was $13 and now they say it's $234. This is highway robbery. They do not try to give you the required information to pay, but rather hold out telling you they will mail the bill out to you. I am still waiting for the bill from November, December of 2009.

They are really trying to rip people off who are trying to make a living and I ask if you were to check my past credit, Verizon, Ford Motor Credit, you will see that I have no reason not to pay a small $13. Please take this to the highest level to protect the poorer people who are trying in these hard economic times. I am a single parent recently divorced and have not got behind on any of my bills. I am also retired military who has served this country well and this is the repayment we get.

Shame on Citibank to treat loyal consumers this way! How could a company be allowed to raise a rate like this in a year’s period without any accountability? But still, I receive offers of transferring balances at rates of 0 to 2.99. I would be crazy to do this, and get locked in with Citi to raise the APR rate whenever they so please. I will still be writing to complain with Citibank on such a behavior. What protection does the consumer have against such practices? The best way for the consumers is to close accounts with Citi and no longer do any type of business with them.

I then asked why it wasn't mailed by certified mail or by a certificate of mail listing. Wasn't that a rather important piece of information that should have been given better consideration when mailing? Was it mailed 3rd class or 1st class? The person couldn't answer that but said that since their computer shows it was mailed, that was good enough. I told her I know better and that if they don't have proof of mailing, we want our account reactivated at the same interest rate. She said there was no way to do that but we could reapply, although our interest rate might be different.

I'm sitting at home now, waiting for a senior supervisor to call me back. First of all, they can't prove they mailed me anything; second, that type of mailing should have never been part of a mass mailing at 3rd class rates (I can almost guarantee that's how it was mailed-as cheaply as possible! ); and thirdly, you would think that receiving a letter saying 'thank you for being a valuable Citi Platinum Select card member" and calling us 'old friends', along with brand new credit cards, would be a sign of good faith. The fact that my account was closed could have a negative impact on my credit report/rating. Also, we had the card so we could use it during emergency times if necessary; so now we no longer have that option.

I purposely allocated the payments as I did to ensure that all three accounts would be paid before the end of each term so that no interest payment would be incurred for any of the items. My bank automatically sends payments each month using the reference numbers with the amounts allocated as shown above. Since these accounts are due to expire this year, 7/26/2010, 4/22/2010,4/23/2010, I decided to call CitiBank to see if I could get online access to these accounts to make sure the payments are being allocated properly because you cannot tell from the hard copy monthly account statement.

As it turns out, after considerable discussion on the phone with personnel contacted at the number shown above, they allocate the money such that even though I am making more that adequate payments to pay all three accounts off prior to term expiration for each, the last account 4/23/2010 would not actually be paid off and would therefore exceed the term requiring me to pay the accrued interest.

I want Citi to retroactively reallocate payments as I indicated above for each item purchased to ensure payoff of all three items within the agreed terms of payment. From my consumer perspective, what they are doing is fundamentally dishonest, not to mention their recent change to 24.99% interest rate if you exceed the term. If allowed to continue with their payment allocation practice, which is contrary to my wishes, it will result in exceeding the agreed term for the third item due on 4/23/2010. This would also trigger their recent correspondence to us of an interest rate of 24.99%. The crooks continue--helped by our tax money, why?

I started this on 12/24. My paperwork sat on someone's desk until it was too late. Now they are asking me to make a payment and they will resubmit my application for help. Isn't Citi one of the the companies that received bailout money? Is there anyone that can help me make sense of this? I asked for help and none was offered until CitiFinancial Auto said it was to late. Please help. I also had the same situation with Tyndall Federal Credit Union. I asked if I could skip a payment at least until I get back on my feet. They said they had no help. I have made payments on the car for 2 years with no missed payments and 5 years on my RV with no missed payments and when I lost my job and asked for help there was none.

I believe this is an illegal act by their company because of all the upcoming Federal Regulations coming into effect this next month. Plus, I believe this is pay back because of the lawsuit they lost against California last year where they were ordered to pay back their customers some millions of dollars. In addition, I will be notifying all family, friends and anyone on the web of their actions and attitude. It may take a while but it's their loss. Based on this increase, I will be unable to pay off the balance in a timely manner. What is sad, all the banks are doing it; they could care less.

I called myself when I was told that she was not allowed to pay the entire amount. I was told that there was no problem (by someone who could just barely speak English) and the next payment would cover all charges. Several days later, she paid off the rest of what was charged. We (I) got a bill the other night for $373.71. I called and asked what this was all about and was told it was the daily interest that was still unpaid for the time she paid the first part and the 2nd part and some of that was interest on the interest! I cancelled the card and went online and paid the additional money but plan on taking this to the streets!

I cannot believe that we bailed these people out (through other liars!) and they won't let you pay the entire bill so they can charge you extra money! I have told as many people of this as I can. They will no longer use Citibank and I promise that Citibank will never darken my doorstep or the homes of my extended family (My father was the eldest of 13 kids; his brothers and sisters had no less than 8 kids each; use the math, Citibank), and they will also tell their friends and I am going online to fry you!

My most recent issue is that I had received a very non-descript "notice of changes" in the mail. Like I said, I'm surprised I even found it amongst my mail - it was so unsubstantial. Honestly, I briefly read over it and knew some changes were coming, but I didn't think much about it because I didn't think any changes would pertain to what my balance was at the time and since they removed any credit I had with them, I really wasn't too concerned. I thought it would affect any future purchases. I meant to opt out anyways because I have heard many recent horror stories about what they have been doing to people and given what they did to me, I don't want to do business with people like this. But unfortunately, things got hectic in my life and I missed the opt-out date of 10/31/09. Not even a week later, I received a letter in the mail, dated the day after the opt-out date - that they were closing my account. Well guess what the whole change was? They jacked up the percentage rate on my balance then closed my account! So now I'm locked in on a sky-high rate for an account that is now closed. Nice people, eh?

Citibank's business practices stink and they are unfair. When this is paid off- I will never. ever do business with Citibank again.

When I refused to take the offer by phone, they sent me a UPS express mail letter stating I had 30 days to respond. But then they called me again the same day as the letter arrived anyway and the woman was very pushy about my taking the offer. She contradicted what the letter said and what the other lady had told me. The letter stated I had 30 days to respond. She said I did not have 30 days and that they would try to contact me two more times then the offer was no longer on the table, even if it hadn't been 30 days. Also, when I made the payment arrangement the representative said after the one-year agreement, the interest rate could go back to 29.99% but I could possibly get a one or two-year extension on the lower rate. This new rep. told me I would have to go back to 29.99% with no chance of it being lowered ever again.

Bottom line is Citibank has violated the card agreement terms by increasing my rate in the first place and is now trying to strong-arm me into opening my account, probably to avoid huge class-action lawsuits! This after we bailed them out! They treat their customers like dirt! I closed my Sears account too right after their call. Citibank owns it and Sears' rate was going up too. Never again will I do business with shady Citibank.

Citi is holding their customers’ payments just to charge them a late fee and then increase their interest rate, which is an excessive penalty to their good paying customers. At first, I thought it was an error that Citi made. Therefore, I sent the $49 late charge in my November statement. But, when they began to phone me and I informed them that my payment should have been posted on the due date and not the closing date, they refused to make the correction. They offered me a plan to pay the 29.99% interest rate for 6 months before I could return to my 4.9% interest rate.

I am now down to as low as 41 months to pay this bill off per my last statement, and now they have changed my interest rate to prevent me from paying the bill off in 60 months as we originally agreed on. I informed them that I could not pay $912 per month. I also stated that since I have never missed a payment, please place my account back the way that it was since I am under five years of paying it off. They only said no, and stated that they would continue to harass me until I pay the 29.99% each month and they will report me to the credit bureau and ruin my excellent credit score if I didn't pay the 29.99% interest rate each month.

Please turn my case over to an attorney with specific expertise in consumer law. All of the complaints against Citi are very real and very damaging. Citi never notified me that they would be going up on my interest rate. When they began to harass me I asked them why are they treating a good paying customer this way and they replied, "It's legal.” At that point I had to make an emergency doctor's appointment. I became very ill and my doctor informed me that my blood pressure was over 200. I never had pressure problems before in my life. I found myself discussing my financial situation with my physician. It was my physician who suggested to me to write to you. Please help!

I do know that this isn't right. I only owed five payments on this car, not 24. Can you help with this, because at this point, I am really financially strapped with only one source of income. Debt is more than income, and I can't afford to continue paying $6,000 more for a car that only have five deferred payments. Now, it's actually four. Any help you can provide will be appreciated.

One late payment and they jacked our interest rate from 0 to 28.99%. And that's not all; they lowered my available credit from $19,700 down to the current amount owed. This way, if we missed another payment, the late charges and interest would spiral out of control. I like the way they get a really sweet gal on the phone to record the customer service as they call it. They pull up your account and then before they pass you off to the credit department, they ask "is there anything else I can do for you today?” all the while baiting you that you might be getting a reduction. Then, the foreigner in broken English comes on and says "you signed the agreement to pay this rate". No, I signed understanding that my rate would be in line with my credit rating if I defaulted. I have never paid 29% to anybody for anything in my life! I expected an increase to 9.99% maybe a little more but, they robbed me.

If I robbed them, I would be surrounded by a SWAT team and buried under the prison yet, in good ole America they can do what they want with no threat of prosecution. My good credit will be shredded and my finances will require a selling of everything valuable owned to make these payments. The damage is on its way. I have to have good credit in my work because of the security risk I would be otherwise. If my credit goes bad, I could be fired or laid off from my job. I admit my wife has been financially irresponsible. However, I haven't. I just did what any married person would do. I assumed her loans into this card at 0 percent to ease the interest on us as a couple. Only 8 months later to end up where we began, except worse off.

They have no reason from my perspective to raise my rate that much on a late payment. We will be financially devastated by this increase. We now need another $400 a month that we didn't already have. These people are cruel and evil. I came to them as a customer in need. They accepted me with open arms and then I took the bait and they switched. We will lose over half of our wealth from this. This is wrong. No American should be treated like this, when our sons fight and die so they can make money off of the knife they put in our backs.

A few years ago, I received an offer to open a "credit plus" account with less than $5000, though throughout the year, the account increased gradually to be over $12,000. Later on, I also received another offer for "ready checking," for which I agreed to; and this account also increased over the $6000.00 balance requirement. (I almost never use it, but it is good protection to have; and if I do use it, I pay it in full quickly.)

A few weeks ago, my credit score dropped 3 points, because Citibank reported my outstanding "checking plus" balance as $4000. After I responded to this drop in my credit report, I received a letter from Citibank informing me they are closing my "ready checking" account. I did not react to that since I don't use it, but this action caused my credit score to decrease again by 3 points. After that, Citibank sent me another letter to inform me they decreased my "checking plus" credit amount to $4000.00 because I do not meet the standard!

This could be acceptable for any other organization, but to suddenly do this to me after a 27-year relationship, I cannot believe how Citibank rewards me for my loyalty to their bank. If my credit report shows my spending was high last month, this is because I have 2 boys in college and I pay their tuition with my credit card. If this is the way Citibank asks their loyal patrons to leave their bank and go somewhere else, they did a wonderful job with me.

I called back a few days later when the statement closed (and interest rate raised to 29.99%) and the customer service representative that I talked to said it wouldn't be a problem, and that she would put in for the rate to be dropped back to 0% and the finance charges for the past two billing cycles would be credited to my account. She asked that I call back in a few days to make sure it went through. I called back and learned that it had been denied and was told they wouldn't look at it any further.

I believe Citibank targeted people by offering a 0% rate, expecting a balance transfer, and then switching the terms unilaterally. Citibank will make a substantial amount of money off of my finance charges (at 29.99%). I would hope that this type of lending practice is illegal. I would discourage people from having any sort of dealings with Citibank which as a large corporation believes it can take advantage of individuals since we have no recourse at present.

That same company contacted my command (active duty marine) and disclosed information that is protected under the Privacy Act. Now Triad Financial has the account and has sent us no written info and has a repo company trying to take the car. The repo company is how we found out about most of this given that no one else had made contact, with the exception of some harassing phone calls by people claiming to be lawyers whom were later identified as simply collection workers.

Once the investigation was finished, they were supposed to give the credit for everything but they only gave for the first 2 debits. I called numerous times and this one guy said I had to redo the investigation with just one amount per investigation, meaning one for $199.00 and another for $250.00 but I did not need to list all 4 debits for each amount. So I signed the letter again and sent it back and they answer I was fighting one charge instead of all four so they took out the initial credit and said I was liable for everything. They sent me to the fraud department were they concluded that even though it was my card, nothing else was clear, it was not my name it was not my complete address and there was no signature with my name.

One of the companies I did call them and spoke with Luisa and she told me the their investigation concluded that it was fraud and there were 4 accounts opened with my number but not my name, so she closed everything down and said to fight the charges with the bank and they would give the money back. That was almost 5-6 months after the initial debit. I still had money in the bank and my card was active but suddenly my whole account was blocked, I couldn't log in, so I called again they said I have to go to the branch. I got there they told me I have like I don't know, $500.00 negative balance. I was shocked and they told me there was a withdrawal of almost 400 and something dollars. I told them I don't even have the card with me and I was waiting for my credit of $1,600.

I asked them to call Lawrence at Citi fraud and he tells me that all the investigation was finished and that was that. I said no one told me anything and after being on hold for forever, he told me that Citibank sent papers for me to review and sign and it was never returned to them, but I sent everything through fax back. So long story, he faxed everything to the branch, the bank guy following over the phone instructions helped me fill out everything again and he faxed it back to Lawrence, who assured he would take care of this matter and I should hear from them soon. That was the last time I heard anything from anyone at Citibank. I called them tons of times, always voice mail, no letter, no phone calls, nothing.

It’s 8/1/09. I’m out $1,600 with no bank account or debit card and I can’t do anything. I moved and all my contact info has changed, but so far nothing. Now, where do I go do sue them? To make sure someone gives me my money back? I don’t need the account; I just want my money back, nothing else. Can anyone help? I spent hours and hours on the phone with several different people always explaining from the beginning what was the situation. Letter and fax to them always to be sign and dated, time and money spent for nothing, money that was for rent and bills gone. Anger, stress and going back and forward with their lack of organization, always feeling like there was something on my file that said I was lying being disrespected by customer reps. Having the call dropped several times on purpose having to call back and on hold to get someone to them explain why I was calling only to have them transfer my call to someone who after listening to my story would transfer me again and so on. For some people I’m sure $1,600 is nothing, but for me, it’s a month’s worth of salary. I’m so angry, so tired and so frustrated about all this. I want to punish them for all the hard time they are giving me. How hard is it to write a check for $1600? They know it wasn't me already.

Then I called again, and the lady told me that they sent me a card on June 7, 2009 (a Sunday!) and that since I'm requesting a new one, it would be a $6.00 charge. She was really no help. I asked why I was being charged repeatedly and said that it was unfair, but she just got even more upset and I gave up. I shouldn't have, but if you have a company, do not use Citibank for pay cards. I'm the third person from my employer who has had a problem with receiving the ghost cards.

As a consequence, I lose a major source of credit and Citibank damages my credit rating. If I keep the card, the interest rates would make it almost impossible to meet the new higher minimum payments over an extended period of time. I believe this is totally an unwarranted action against a customer with a pristine record, and who was rewarded with lower interest rates and interest rate rebates only months earlier, is the desperate action of a bank that is struggling to remain solvent. By targeting customers with high balances, they can make far more money. But an 18.19% interest rate increase is outrageous.

The bank aspect though I obtained a Citi checking account because that is where my husband banked. I thought it would be a good idea to put it all together in the same institution. Well, they have been nothing but a mess of problems. I read that someone had their account frozen, they did that to me too, sort of. I was out of town and did not have my debit card on me and I called to see if they would provide that information to me over the phone so that I could pay a bill online and the rep from India cancelled my check card. Now I do not carry cash, so I was out of town with no cash, no card, just my pay pass that now did not work because they cancelled my card.

Basically broke, when I asked why he did that, his response was "many sorry". Well, that does not allow me to pay for stuff. So I had to go a week without a debit card because they could not seem to get one to me. Then when I got the card, it was the same number of the one that they just cancelled. I tried to speak to a manager at a branch but right as we were going into her office, a new client came in and she let them in over me. They don't care about the people they do have. They just want more. That is across the board with Citi.

There have been other issues too. I do not want to get into all of them but it does involve them providing other customers' information to me over the phone.

If you are angry because Citi will not help resolve an issue which I am sure most of you are, please contact the Office of the Comptroller of the Currency or OCC, they are the federal agency that regulates banks. They have an easy online form to fill out and submit. I suggest each of you concerned about any issue with this organization contact the OCC. The more complaints they get, the more they are fined. That is the only way this crappy company will ever learn.

I asked the teller to consider because I cannot understand their big notice sign which is in Spanish. But sad to say, the teller was inconsiderate so I fall in line for another 10 minutes just to have a deposit and payment. Why can't they put a big sign on what express line will accept in English? This is America and our primary language is English. I am an immigrant and I happened to have my own language but I studied English. The manager even made me wait for five minutes because I intend to let her know of that particular problem. Still, they told me she's busy.

I understand that Citibank was bailed out by the tax payers' money. So why can't a teller just make consideration to a person who cannot understand a notice written in "Spanish" in the United States of America?

In order for no interest to accrue I needed to pay the entire balance on the credit card even thought the other two terms don't expire until 11/09 and 2/10. Each credit term is labeled four, five and nine and nine being the oldest one and four being the next oldest and five being the last. However I was told their system applies to the lowest numerical numbered plan first and they payment can't and will not be adjusted to the plan the was the oldest. I feel that Citibank is a crooked company as I was lied to when I inquired as to how my payments would be applied by their customer service. They lure you in only to cheat their customer.

I've been going to the branch, speaking to customer service, managers, and supervisors everyday. Now, I absolutely don't have any gas money to go. They keep on saying it will be unblocked tomorrow. Well, it's been 2 weeks already. What kind of service is this? I've never heard of such a thing. I just got my payroll deposited to my account last Friday, and they're not releasing my funds. How on earth am I going to get to work and how can I even buy food? OMG, I think I'm going nuts! Can Citibank keep my money forever? My husband's out of town, and I have no credit cards. I can't believe this is happening to me. I am so scared.

At present my family and I have had to move out of our house and we are living in a 1 room hostel because I cannot live in the same building as someone who has stolen my money which we believe was our landlord. I have given his details to Christina at Citibank, but I don't think she has bothered to do anything. I cannot afford to move until I get my money back and if social services finds how we are living, they will take our 5 children off us, 2 of my daughters have been molested by a Spanish man living in the hostel, which is why I want my money and compensation for what Citibank are putting us through.

I argued that sending me statements was absurd as I would still be looking for lost miles and asked that they research the problem and let me know what could be done. I was told that it would take 30 days to receive a reply. When I said that was absurd, I was told that Citibank had millions of accounts and that's why it would take so long. I informed him that if I ran a business that way, I'd be out of business. I asked for a tracking or handling number so I could follow up on the case and was told that Citibank doesn't have such a thing. I asked how they would follow up with it and he said it was noted on my account.

Apparently, this is the same account that they can't look back 12 months to see what the problems were! In a data era where my email account offers me 7 gig of storage and to more people than Citibank has clients, I would think that they could offer their customers more than a few kilobytes of storage and should have all the account information at the customer and customer services keyboard! This has cost me 1 round trip airline as I need the 1000 miles to recover the miles that had expired from my account. Also due to Citibank screwing up the renewal on my account by 2 months!

After speaking with 3 different people, who all said the same thing, I decided to write a letter again. I have received no response and Citi has failed to prove that I indeed authorized those charges. Now, I'm stuck with the bill.

April last year, I started paying the monthly dues. Surprisingly, after I paid the due amount in May, a Citibank officer called me to inform me that my account was terminated as it was tampered by one of the Citibank staff and was apologizing because they want me to pay the remaining balance in full immediately. I went to Citibank personally to fix the problem and to may dismay, the person who talked to me was only contacted by the staff at the information counter through their phone and instructed me to pay the remaining balance within six months without interest. They said I can't do anything but to follow the bank rules. So I just have to follow.

The next day, a Citibank staff called me again telling me that the management agreed to allow me to settle the remaining balance in one year. Evey month, I received bills until I realized but was too late that I exceed the amount that I was suppose to pay. I called Citibank 24 hour banking several times, prompting me to call other numbers that in the end I didn't get any help and answer. I even went to Citibank personally and the staff who attended to me took my contact number and promised to call me within three days to see whether they can reimburse the exceeded amount that I paid. After three weeks, nobody has called me.I think it's too unfair because in the first place it was not my fault if my application was wrongly approved because I provided them the requirements needed and I'm paying the monthly due amount to be paid on time. But when you inquire about something, they can't settle your queries and just leave you hanging with questions.

Previously on another account, they would not allow me to take out $2,000 because the account would only allow $500 per day. I went into the bank and they would not allow me to take the $2,000 out. I said, “Can I close the account?” And they said “Yes.” So I took my $10,000 out and made my $2,000 purchase and put the remainder into another local bank. The next month they sent me a bill for $20 for being under the minimum balance. When I called them, they said the computer would not allow them to close the account because they owed me $3.64. They seemed to not understand that I closed the account and if they owe me money, they should send it to me. It took over an hour on the phone talking to different people before they said they would take care of it. They never sent me the $3.64 they owed me, but they dropped the $20 fee for under the limit on a closed account.

Weeks later, the collection agency LVNV started to send collection letters, giving me a credit card account number **. I called and told the person on the other end of the line that I have never had that account number, and I insisted that I wanted all the information about the so-called debt to Citibank. The person first argued with me, but at last said she would send me a form to fill out. Today, I received the forms to fill out. But the questions in them are about identity theft and are irrelevant to my case because mine is not about identity theft; it is about fraud.

I never had that Citibank account number, and I don't know of anyone who stole my ID. What I asked all the persons who called me was what I purchased using the card, goods or service, and from what company or store. They never provided me with the original information. Please instruct me what to do?

After getting off the phone and making sure my students were taken care of, I called back to see what had gone wrong. I spoke with an incredibly rude and condescending woman who ultimately accused me of lying about what I had seen on the website, stating it couldn't possibly be wrong. When I asked to speak to a different person, she said no one was available. I asked to speak to her supervisor and she said there was no one else. When I asked to speak to anyone but her, she refused to transfer me. Incredible! As soon as humanly possible, I will be closing this account and warning all to stay away. After reading this site, I am appalled that Citibank has not made things right for their customers. In this economy, customer service should be top of their priorities, not the bottom. Shame on you, Citibank!

So when I wrote a check to transfer $1,000 of it back to Chase, you bounced the check. Then you finally put the $2,000 back. I talked to Trish ID ** on April 2 and was assured that a check for the $2,000 would be sent in 3-5 business days. Having failed to get the check, I called and talked with Rosa ** who apologized and said a check would be overnighted to me in two business days. Having failed to receive it again, I called again and talked to Waveey ** yesterday, but now there was an investigation needed to close that account that Citibank had decided to never open that would take 5-10 business days. But she would call my mother today and verify that the check was being overnighted to my home in Texas. You see I am studying abroad in St. Petersburg, Russia and opened a Citibank account because you also told me I could get money in Russian Citibanks. Guess what? That was not true either.

Today, April 9, I was told by Edgar in Fraud ** that a check was cut today and would be mailed to my home address and receive it in, you guessed it, 3-5 business days. All of these people were identified as supervisors. Due to you holding my money hostage, I have had to cancel a trip, I am unable to pay tuition and have incurred fees for the bounced check and great stress and hardship due to this incompetence. I currently have a Citibank student loan, but will replace it as soon as I can. My parents have had a Citibank credit card for 30 years and also have many Citibank student loans. I assure you that you had lost a 30-year customer over this. Aggies do not lie, cheat or steal but apparently Citibank does. I feel I have been the victim of fraud. Citibank claims to be bank. Clearly, that is not the case. I have forwarded this letter onto my congressman, my senators, the President of the United States, the Texas Banking Board and Attorney General of the State of Texas. I hope this letter will let them know what kind of screwed up organization they are bailing out.

For such a large corporation, not a single division knows anything about what another division does. No one takes any responsibility and this creates havoc for the consumer. I am still trying to get this reported as settled in full to credit bureaus and a letter from them stating the same. Not once has anyone from their office called to follow up from any of the many, many calls I made to them. Not once has anyone apologized for their mistakes (many of these). My most recent call was to them today (4/1/2009) and they actually now say they got the payment but, of course, after I faxed them proof of delivery and endorsing and depositing my payment.

I have reported them to the FTC and the OCC for their failures to post payment properly, selling the account after paying per settlement agreement and just plain being rude and arrogant. It has just been a nightmare. Hopefully I will get a letter from them as I was told and this will get reported to all 3 credit bureaus as settled in full.

I called the following Monday to Consumer Affairs and spoke with a young lady and told her what happened, and she stated that I had a legitimate issue and should report them. I waited a while before reporting them because I am so busy between jobs and they did stop calling constantly for awhile so I kind of dismissed it for awhile. I later start receiving calls again. They will call my home number then my cell number and last my work number even though I asked not to be called at work. I am only 1 month behind, but the way they call me is unbearable and harassing. They called my supervisor looking for me and other co-workers. Just recently as of 1-20-09, Adrianne called my next door neighbor and left her name and number for me. That was enough for me. I changed my payment date so I would have more time to pay them and I am still within my grace period and they are harassing me uncontrollably.