Citibank Reviews

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.

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!