Citibank Reviews

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.

Same thing again talked to a supervisor Sarah ID ** after being on hold for 23 mins and she told me the shift manager Mark would call me back. 1 hour later I tried again she very rudely told me that I had to wait for him to call me after being on hold for 15 mins. Another hour passed it is now 11pm and I tried to call again and was hung up on twice then put on hold for another 25 mins then told no one was available to talk to me. They are totally unprofessional and rude I will be closing my bank account and changing my life insurance policy to some one more reputable.

I have a check due to go out of my account for $80 which will bounce or if it gets paid then I will be charged $34 for this, plus my rent is due Jan 5th and I cannot pay it as they have a hold on my money until Jan 6th is this legal. They do this to me every time I deposit checks and have charged me in the past and are ruining my credit score with this.

Citimiles agreed there was an error but would only refund me partial of my additional fees. No manager would ever talk to me and it took a month of calls to get anything from them. I had been a Citibank card holder for over 20 years. Citibank said they could not help me either since the Citimiles department was actually a different company. I cancelled my card with them since this happened, since they do not stand behind their members. Or take responsibility for their business associate's mistakes! Ruined my vacation, had to spend double the original price so I had no spending money. The trip was all worry of sitting with my boys. A nightmare sums it up.

More recently, a customer rep was extremely unprofessional and uninformative about explaining the 'grace period' for an existing loan that I had taken out. I asked to speak to the manager, and then I was put on 'hold'. I never got to speak to a manager. I am amazed at how CITI can survive with such poor customer support and I will be happy the day that I finally end my relationship with CITI. Poor business management, and low quality customer service.

Yes, we are customer we always make mistakes, none of you guys mistakes and our money just wired out without any permission. Who else want to bank with Citibank anymore if the manager going to answer you that: all your mistakes Sir... So dangerous! They could wire your money out to anyone in the world without your permission! And came out with no solution for you! Who could help me out here? I am willing to sue that person who serve the customer like ** and lie about their mistakes! The awful manager's name is **.

Lost my interest and credibility. Spent a lot of time how to talk to Tax department why 60,020 USD just went out to the country and why I have got that much cash deposit into my account again. I have no idea how to explain that situation to them, the person who Received in overseas also have the same problem - money went to her bank account and out her bank account. She has that income tax issue too. When I asked the solution to Citibank all they told me is: not our problem, not our mistake. I believe they may remove the record, mistakes they made from the system. What I can do then? I am an individual customer only!!!! Damage for us is nothing!

The company says it is not their fault it takes eight days to arrive in the continental US. The pony express would appear to have been quicker. I have had good luck with all my other cards. I think Citi Bank may not be getting it into the US Postal Services System until after the 24, which is why I am getting the statement so late. I intend to send my payment return receipt requested to see if it does in fact take eight days for a letter to go from New York to South Dakota. Then I think I'll take that info and my previous statements to the attorney general's office in NY and see if Citi Bank is indeed not getting these statements in the mail in a timely manner. One more way that Citi Bank makes money of the consumer. Booo Citibank.

As of Saturday Sep 27, 2008, the charges still have not been reversed. On Sep 27, 2008 spoke with a bank manager, she explained the service rep. had requested for a interest reversal but not a fee reversal and that she would take care of the transaction. Still waiting on result. $39.00 late fee, 28.99% increase in interest late, $53.95 balance transfer fee. Possible credit rating damage.

I called Bank of America they stated that it was on hold by a Citibank rep. named Jan. I called Jan and Jan had me transferred to a guy named Tony who wanted to verify my identity and so I did. Tony wanted me to fax them my Driver's License as well as the people who are living with me in my house and so I did. He also asked me if I knew some people by the names of such and such, some I knew some I didn't. After all this he tells me that it is going to be further investigated and I told him no problem. Then a couple of days later I called to check up on my account and they tell me its being closed and the reason is that they cannot verify who I am.

In the mean time Bank of America closes my bank account and they do not even have a reason why it is closed. The deposited check of $20,000 actually went through on 7/15/08. Since I was going through all this complications I called the rep. up at Bank of America and stated that I want the check to go back to Citibank because I do not need their services. I also called up Jan and told her that they can contact Bank of America and take their money back. All this was done on 8/1/08. ON 8/15/08 I called up Bank of America and asked if they had returned the check for $20,000 the rep. stated that they are in the process of doing all the necessary paperwork in order to return the money. The check was finally sent out on 9/18/08 to Citibank.

After all this Citibank decides to not only close my account but also my sister's, brother's and his wife's accounts as well and they stated that they couldn't verify all of us. My sister had been a card member since 1995. They closed her account and told her that everybody's account's were fake and that the information we sent to them was not real and it was forged. On top of that they told me that my account was not opened under my name or my social security number, the inquiry they pulled was under my credit report. This was a frustration experience and I am still fighting this non sense.

My accounts are closed so are my brothers, sister and their spouses. Citibank has given no kind of reason for the accounts being closed except that it is a fraud account.

I sent the camera back to the company, and Citicards has proof of the return. Because the company is very hard to get in touch with, and will not return calls, they have told me to handle it myself directly with them. So much for consumer protection from the credit cards!

Later on we couldnt find the salesperson that sold us the product (told us he changed jobs how great!) now we have a new Citi Gold Advisor havent heard one good advice from her yet I have the feeling she just wants me to keep investing in whatever so she can reap some comission from it. I totally dont trust her and I totally lost any respect for this bank.

Loss of 10.000 USD circa

It was inconvenient for me to talk. Work out of home and care for ill relative. She said she would not call back, I had to speak with her now. I called back and could not get pbtain correct answer if checks were going to me mailed or not.
Denied withdrawl to me home equity line

several phone calls to citibank to get answers. a checking account that was not authorized by me was opened. when i asked for that checking account to be closed they shut down my preexisting debit card. atm card canceled without authorization.

I to had face cashflow isssue for my personal expenses for food , clothing etc n Aug, while i was on business trip abroad i, as i could not access my account. I had to take advance cash from a business client whom i met for the first time as i knew no one else in that city.

No investigator ever called, they did however send a new card. Problem is that when I got my new card my points had been cleared from approx. 60,000.00 to ZERO points. So, for over a year I battled for my consumer points, repeatedly I was told it was under investigation. Finally they said we do not show any record of you having those points. I said I have all my statements showing the money I spent,paid and the points that go with that money. They said sorry Sir, we can't help you. 60,000 points is almost half of a trip to Hawaii. Especially with the 124,000.00 I've accumulated since the new card was issued.

And now that I have 124,000 I get a letter in the mail saying they are going to send me a better card, a Citibank card that is not a Home Depot Rewards. The kicker is that if I didn't cancel this new card by 9/9/08 it would come automatically and my Home Depot card would no longer be any good. Wonder where my points would magically disappear to this time. Yep, mental-anguish and theft.

I mailed the amount due for the July statement on time, but it was received according to them 1 day late. Not only are they penalizing the original balance but tacked on the new August Balance to arrive at this outrageous charge.
July statement $263.56

They routinely change their due date in miniscule print

Jacob (Account Care) told me that I signed up for Account Care on 11-29-04. I don't recall ever signing up. I wouldn't even know how to get in touch with Account Care to sign up. I asked the CitiBank people and Sears Credit Card people how this could have happened and they told me they have no clue because Account Care is not part of their company. They have nothing to do with Account Care and don't know anything about the company. They also told me that the only thing I could do is to take it up with Account Care.

Call them and ask them to cancell the service and request (REQUEST) an investigation to see if I could get a refund. That was the only advise they could give me because "Account Care" is NOT owned by either CitiBank or Sears. Flat out lie. Greg and Jacob (from Account Care) at separate times slipped and informed me that Account Care is in fact owned by Citibank. And the credit card through Sears is managed by Citibank. Jacob told me that Sears owns Account Care after Andrew from Citi Bank informed me that Sears and Citi Bank have nothing to do with Account Care and does not own Account Care.

When I asked Andrew (CitiBank) why he lied to me after Jacob (Account Care) slipped (told me Account Care is in fact owned by Citibank) when they were both on the phone with me on a conf call, Greg (CitiBank) hung up! Then Jacob switched me to Greg H. (Account Care with no extention). The previous Account Care person prior to Jacob (wouldn't give me his name). I requested that they give me the name of the supervisor that would be doing the investigation. He said he COULDN'T. They would notify me in anywhere from 2 weeks to 4 months. Most likely 4 months.

QUESTION: Does account care take into account that I spent the last 2 days working on resolving this problem (which is nowhere to being resolved), my time involved, plus the pressure placed on me like my blood pressure and stress of knowing that my debt is just racking up as I battle this mess I never applied for until it's resolved or I use another credit card to buy my way out. This is criminal theft by deception.

Greg's Resolutions was: If Account Care's investigation finds out that I didn't sign up for this then they would refund my money entirely as well as fees and interest.

KICKER 1: Citibank/Sears own's Account Care even though both Citibank and Sears told me they don't. KICKER 2: Citibank/Sears also informed me even if Account Care issues me the refund as well as the fees and interest, neither Citibank nor Sears will place that money towards the 8.99% interest baring account until the 4.00% promotional rate is completely paid off. During that time of which 8.99% interest will be incurred and immediately rolled over and placed on top of the old balance therefore ever increasing the amount owed under the 8.99% rate.own Account Care.

Now Jacob switched me to Greg H. (no extention). The previous Account Care person (they don't have the name). I requested that they give me the name of the supervisor that would be doing the investigation. QUESTION: Does account care take into account that I spent the last 2 days working, my time involved, plus the pressure placed on me like my blood pressure. Greg's Resolutions was: If Account Care's investigation finds out that I didn't sign up for this then they would refund my money entirely as well as fees and interest.

KICKER 1: Citibank/Sears own's Account Care even though both Citibank and Sears told me they don't. KICKER 2: Citibank/Sears also informed me even if Account Care issues me the refund as well as the fees and interest, neither Citibank nor Sears will place that money towards the 8.99% interest baring account until the 4.00% promotional rate is completely paid off. During that time of which 8.99% interest will be incurred and immediately rolled over and placed on top of the old balance therefore ever increasing the amount owed under the 8.99% rate.

Here I want to bring to your notice that in spite of paying my regular Installments. [Citibank] staff is calling me every month and asking to pay my monthly installments. This I can accept as there duties they are reminding to pay my monthly installments. But in my regular payments there is one payment which Bank has not updated in your system and showing one installment outstanding against to my regular installments. I visited to Citibank Manama centre in the month of February 2008 and had discussion with Mr. H., Manager by carrying all my bills. He called one lady to assist me and to clarify and to update all the information. I explained very briefly the scenario by showing all my monthly bills. She agreed that in system for the month of March 2007 it was not updated and she assured that she will update and clear. Before I left from Citibank I requested Manager Mr. H. to look into the matter and do needful. He too assured that they will solve this issue and he himself said that he will call me back on my mobile, but there was no response from the Manager till date.

But in the month of March 2008 again I got a call from Citibank and asking to pay me my one month outstanding Installment. I stated that lady very clearly about the things happened unfortunately the Lady I met in the bank only called me she recognized and apologized for giving call. I feel very ridiculous stating this that in such big organization this mistake is repeating still now, every month I'm receiving the call from Citibank and asking to pay my outstanding one month due. This shows that how better you are giving service to the customers. Hence I request to the higher authorities to clarify and to make sure that this erroneous mistakes cannot be repeated in future to any customers and I request to give reply for my letter in order to make me assure that I can be happy in my future as a Customer to continue with Citibank services. I would appreciate if some body can reply for my mail.

On May 9, 2008 we sent the required written notice of our desire to opt out of the rate increase. Our next three bills have had the higher interest rate (and resultant higher monthly payments - $16.00 more). Repeated calls to Citibank has resulted in their apologizing and saying that the rate will be lowered and the extra interest credited to our account--but nothing has changed.

My wife has been very distressed over this--money is very tight right now anyway and the extra (no matter how seemingly small) has an affect upon our finances. I have had to dedicate hours to this problem--that should have never happened and at worst should have taken Citibank 30 seconds to correct in their system. I can't help but wonder how many thousands of people this has happened to--how many just gave up and are paying the higher rate and how much money is Citibank making from this oversight. (That is how the last Citibank representative named Romeo characterized the situation).

Since by the 15th it had not gone out, I contacted supervisor Chance who also made the same promise; telling me that the morning of Monday the 18th would be the new timeframe. On that morning I called and spoke to supervisor Kerry (ID# sek50) at 8:25, and she told me it would go out that day but would give me no definite timeframe. I spoke to her again at 11:07, and she indicated I should have the fax within the hour (she alleged to have spoken with the department which sends these letters out). Since I did not have it by 1:00, I got to supervisor Vince (sek77), who told me there was nothing he could do.

I called back and got supervisor Winnie (se009) who hung up on me. I then called and got Philip (sek72) who explained that they cannot contact the Letter Writing Unit (which is supposed to send the fax) and that there's nothing more any of them can do. An hour later at 4:04pm, I called again and got Mr. Swinson (no first name given; ID# se348) who contacted the Letter Writing Unit (meaning either he was lying or everyone who came before him except Kerry was lying) and told me he needed to get more information from them and would call me back before he left work, which was 4:00central (5:00EST). At 5:40 EST, I had not received word from him, so I called up and got Vince again who said that he couldn't help me (again).

I am at my wits' end. NONE of the supervisors will permit me to talk to a manager or anyone higher than their position. They consistently contradict each other regarding whether they (or anyone) can contact the Letter Writing Unit? or not, and refuse to escalate my complaint to their superiors. If I had known how bad their customer service is, I would have requested a different lender from my college. It has taken them 8 days so far to send the fax, and if I EVER receive it, it will have been the longest fax in the history of mankind.

I have made an offer on a house and must get this paperwork in to the lender to approve the mortgage - this is the ONE PIECE that is holding back the process. If I do not close in a timely fashion, I will lose this house and potentially the deposit which I have already paid, not to mention the fees for the inspection and mortgage application.

Yes, they can be used just like checks but they have fees and APR's attached to them. Usually the fee is 3% with a $5 min. The light colored checks are the BT checks. Now the terms are with the checks. So for someone to say they did not know there would be a fee, did not read the check correctly. Now, the white checks attached to your stmnt. those are cash convenience checks. They come off of your cash line instead of your credit. There is the 3% fee with a $5 min and NO max and the interest calculates DAILY at usually 19.99% or higher. Reason being, it is cash therefore it is a risk. Citibank has no guarantee your gonna pay it back. You get cash, you spend you may declare bankruptcy or just not pay.

I deal with about 100-150 card members every day M-F for 8 hours a day. If customers would read things and ask questions, half the calls I get would be eliminated. I am thankful for the calls or I would not have a job. However, if you are mad at Citibank most likely it is because you did not adhere to the card agreement that you accepted when you were approved for and activated the credit card. FYI: READ, READ, READ! Also, Finance charges are billed a month behind, so for those of you who paid your last bill then got a new statement and are mad because you got finance charges. those are what accrued from the PREVIOUS months balance that you DID NOT PAY OFF IN FULL BY THE DUE DATE! Turn your stmnt over and READ,READ,READ!

Citicard charged me for late fees and raised my interest rates to 29%. I called to argue about the charges and another rep said that they will lower my rates again but keep the late fees. That was so unfair but I said "ok" just to get the rates back on track. Apparently, Citicard changed my account for email only billing without my knowledge. I asked Citibank to send me the paper bill because I never received the email notice. My wife told me two months later that Citibank is charging us 29% for interest. Then I saw charges for payment aid, and the rewards program. I called 20 times but the bank and these other associates kept dropping my call.

Finally I was able to talk to a rep but I got disconnected again several times whenever I tell them about my complaint. Finally I was able to finish my call with a rep after 5 hours on the phone. The rep said that there was no document on my account regarding the previous call. Then Citibank would not lower the rates. It is their fault in the first place. I am always on time for my payment.

I decided to cancel my account with Citibank. I called citibank to check my balance as of 8/7/08. I wrote a letter saying that I am cancelling this account when full payment is received. I send an electronic payment for the full amount according to the automated service. I will never deal with Citibank or any of its affiliates ever! Lesson learned.

I wasted so much time and money from paying late, interest fees and other auxillary fees that should not have happened in the first place. The bank has the responsibility to notify the borrower when the amount owed is due. If there is a problem with the medium in which it was sent, then the bank has to figure out what happened. How can the borrower anticipate payment information when that information is not even available to the rep on the transaction day, even a week after the transaction. This is a scam by Citibank to get more money from us. If there is a class action suit brought against Citibank, I would gladly testify against them. If I do not have the financial resources to pay off my card, I would be in trouble for sure.

2- I used to receive a monthly statement for my credit card usage but I didn't receive such statement for several months without any logical reason as I regularly pay my monthly amounts and I see a similar monthly statements delivered to my neighbor every month and every time I try to complain by phone, they never succeed in connecting me to one of their representatives . I recommend that all Citibank customer service procedures should be reviewed and Quality Assured seriously as they keep degrading in providing their services .

I fail to know the value which I should deposit every month at Citibank for servicing my Credit Card .

It will damage my credit, I will still owe on a car that I already can't afford, possible court actions can be taken against me, I may be forced to file bankruptcy.

There started the nightmare. I was just so fortunate that the gas of my car sufficed and I was able to get home. I started calling the bank and ended up requesting to have a card replacement. If you are wondering why I did not just go to CItibank and request for a card replacement from there to expedite the process, I can't. This is because I work on a night shift from Mon-Fri. We all know that banks are close on weekends. I can't sacrifice Monday morning since I have other responsibilities I have to fulfill and I am a single parent.

So, since card replacement through delivery is available, I took the option. I was promised that the card will be delivered within 5-7 business days. It went on and on and today is the Nth business day and the card hasn't been delivered yet. I called CItibank's customer service almost everyday last week and everyday had been a disappointment for me. I was given false hopes and I had no choice but to bite into the bacon. People from home also had to sacrifice their time. I had to ask someone to stay and wait for the courier. These people have something to do on their own and elsewhere to go but they can't.

In my opinion, Citibank Philippines is a bigtime ROBBER. I feel that I am being held up. It is MY MONEY that I can't withdraw. Today, I won't give in to hoping anymore. That's why I am starting to make my move even to as little as airing my situation, burden, disappointment and very bad experience through the internet. So, People in and from the Philippines who are planning to open an ATM/Savings account in CITIBANK Philippines, Please think twice. There are a whole lot of other Banks that you could choose from. I have been happy with the other Banks where I also have savings account.

Sleepless nights. Morally demotivated. Family commotions. Added financial difficulties, Anxiety and etc.

I have applied to this bank before and they never used chexsystems, they used equifax. So every time I applied for a bank account, they would give me a crappy reason for them not to give me an account. If they would have checked, then they shouldnt have sent the debit cards. I will not apply to Citibank or any of their lousy credit cards.

I told him I was in a hurry and the representative immediately said just sign here and we will take care of the rest and asked my mailing address. I signed and gave him the address. Please note here there is no address proof/date of birth proof nor any such formalities collected to open a new credit acrd account.

I want to close the card now and have been trying to contact the Citibank customer care. I am put on the IVR and asked to enter the TPIN, date of birth verfication, last two transactions made and so on..I pressed 9 to reach for a Citiphone officer as it is called in Citibank language. I requested the gentle man who came on the phone to close the card..he again asked me to verify my TPIN, DOB, transaction details...I could only furnish the transaction details of the card as I had made the payment to the card from my debit card, but couldn't get the gentleman to transfer me to a credit card closure department.

I have paid late payment charges for a transaction which has been converted to EMI and I am unable to close it..I am asked to write to a mailing address requesting for DOB to be changed to the correct with proofs.