Citibank Reviews

I write this as a warning to current and future Citibank customers. At the beginning of December 2025, I opened a 6 month Certificate of Deposit online with Citibank for a significant amount as they were offering a little better rate than my local banks… As for the amount, think of paying cash for a nice Audi or BMW car. The process was quick and easy, transferring the money from my primary savings with my local bank to Citibank. A few weeks later it occurred to me that I didn’t set beneficiaries, and I should probably do that, as I am middle-aged and one just never knows. After logging into to the Citibank portal, I couldn’t find any place to do this, so I called the customer service number asking for guidance. I was told this wasn’t available online, and they would have to mail me a packet that I would have to complete and return to update this.

Seems Citibank PURPOSEFULLY does not send billing to email, trying to make missed payments that would default to higher interest rates. At first I received regular emails telling me when my payment was due, along with the amount due and the balance. About halfway through the "promotional period" they stopped emailing me this information. Thankfully I always keep track on my own and was able to avoid what feels like their attempt to cause me to miss payments & cause "default" interest rates. Their customer service is terrible and good luck getting a representative you can clearly understand, not to mention the frequent VERY long wait only to get NO answers to any questions.

Took physical cash to the branch today 6/18/26 to post payment to my Citibank Costco account. Would not accept the cash, "as I do not have a checking account" with Citibank. Informed to go back to Wells Fargo and get a money order to Cashier Check so they could process a payment to my Citibank Costco card. They call themselves a bank, when they will not accept US Dollars.

This bank is the biggest pos, lost a customer for life. Phone operators keep telling me I lost $453.78 in rewards over a cancellation of an account I did not request. Phone operators are completely incompetent and supervisors just tell you a bunch of made up bs. You guys should be writing me a check. Hope that amount was worth losing a customer.

The customer service is horrible. They don't help you find a solution. They only make it worse. My account was open 2 weeks ago still yet I haven't received a debit card. I can't even access my online account. Not having access to your own money is very troublesome and the fact that they don't care I will never ever put a dime or penny back into this bank again. I will definitely close this account once I receive my debit card.

Absolutely shocking that they keep me on the line for an hour to connect to the so called customer service.

This company does not even deserve ONE STAR...and I would give them a negative rating if available. I have been a credit card holder/user for 50 years and have excellent credit. AA (Barclays) switched my card to Citibank in April this year. I never received my new card. I called customer service, they sent a new one...which I never received. I called back to let them know, gave them a new address and told them this was my permanent address as I had moved recently. I was issued another card...which I never received!

This would be a negative 10 if possible. I was changed from Barclay by AA...only 3 days in, and it's been horrific with CITI Credit Card Services....I have spent 6 hours on the line, spoke with 13 people, and they have placed a hold on my card every 12 HOURS...what gives? They will not take any accountability whatsoever. They are the worst, no extra points or anything offered for my time, now I have to wait another 8 days for them to close my account and issue another card, which then I will have to go through changing all of my pre-pay accounts AGAIN... anyone receive any resolutions

Citibank's "customer service" is truly worthless. In fact, I think the company might be better off eliminating customer service positions altogether, and forcing customers to unquestioningly accept the circumstances of their accounts. The result would be the same. Yesterday, I called Citi because due to a product change, I suddenly had two of the same types of credit cards under my name. I asked the representative to close one of the accounts.

Citi may be the worst bank I have ever dealt with. I tried to talk to a real person but was told Id have to wait 25 min. I opted for a callback and 4 hrs. later I am still waiting. I called Chase and they put me thru to a person in under 4 min. I'm sure they fired most of their reps thinking AI would take care of it. Nope.

Citi bank is honestly a terrible bank. Those customer service representatives that you call on the phone when you don’t wanna go into a branch are literally the most useless people living. They be having no answers for you and we’ll sit there and send you to the most randomness department hoping that they’ll have answers for you. Even the damn supervisors are useless as hell. I hate this bank so much. They literally know how to boil my blood, things are simple as transaction issues can’t even be solved or figured out with this bank because all of them are clueless and can’t do their job. And when you point out that they are not doing their job or you’re going against what they’re recommending because you know what’s wrong all they’ll do is hang up the phone on you. No type of decorum no type of professionalism and no type of respect. Who the hell is hiring these people to be customer service?

Buyer Beware. If I could rate this card a zero I would. I used DriveCard issued by Citibank to pay for car repairs that turned out to be defective and negligent work. When the merchant refused to fix their mistakes I turned to this credit card company for help filing a quality of service dispute. Instead of protecting me, their claims department completely dismissed my evidence and refused to help. I advice stay away from this card. They do not back up their customers when merchants take advantage of them. They also are in violation of federal consumer protection standards.

Citi is trash! They really need to be sued again. I have had their Costco card for 4 years now. It had a 12000 limit. I have a Diamond preferred card with a 8000 limit. The costco card was used to a balance of 10,500 with a minimum payment of 300, never was the minimum made. It is always 500 to 700 a month! The Diamond card has only been used once for 700 and it is at 400 after the first month of payments, which will be paid off this month! Citi took it upon themselves to drop my limit on my Costco to 10700 and my Diamond to 630 a decrease of 9200 plummeting my credit score 35 points. I don't know why they chose to do this but it's garbage. I will continue to pay them off and never use their card again! Very bad business model and I see for my own eyes now why their ratings suck!

Today I visited the Citi Bank in Palm Springs, CA with a complex issue with registering my new Citi Credit Card. I tried for several days trying to navigate the website to register and wound up going in circles. Problem was I had several old Citi accounts and no longer had my log-in information. Fortunately, I was greeted by David ** who not only understood my problem he took ownership of the issue and with great diligence solved the problem. Incidentally, have been a customer of Bank of America for the past 54 years and have never had a BofA branch employee assist me in the way David ** did today. Great job, David and thank you for your professionalism.

Citibank offers excellent worldwide presence and useful perks like global transfers and competitive credit card rewards. However, customer service can be inconsistent—long wait times and occasional account access issues arise. Monthly fees are high unless you maintain minimum balances. Great for frequent travelers or expats, but for everyday local banking, smaller banks or online options may offer better value and support.

This company lacks in customer service. With the financial strains that every day hard working lower income people deal with, Citibank USA won't waive a $29 fee for a mistake that was made on the application. The application somehow had a bank account attached to it that had been closed for the better of a year. Several payments had been made from a primary bank account also attached to the application several years before this account was ever added and monthly payments thereafter. Nothing says "poor customer service" more than a company not being able to waive this $29 fee. I think it is very telling from this complaint how much Citibank values their customers and the customer service that they provide for them.

Worst credit card company ever. I have been with them quite awhile. I've always had card balances and then paid them. Up and down like a roller coaster. Now, when I pay they keep lowering my limit so that my credit score goes up faster due to percentage usage, than it goes down for making payments. Bunch of crap. Closing all my accounts.

My bills for Citibank are autopay from my own bank on time monthly for my balance transfer. Citibank attempted to debit thousands from my account without authorization resulting in OD fees at my bank and my stop payment fee. It took multiple calls and hours of my time to reach a human and one that communicates well in English. Beyond frustrated.

This Citibank service and representatives are terrible--- gone downhill. If you have to do online bank transfers to your acct. It helps to realize if your acct show posted -- it isn't accurate -- if it says Bal. Available it isn't accurate. It takes hours - to get past the Bank robot to speak with a supervisor. Then they tell you have put holds on your money --- that doesn't show up --- unless there is a payment default. Here's a supervisor's secret -- when stuck in a loop w/ BOT try #00. To get a cust. Rep. --- saying Cust. Rep. will not work. Frankly -- if not for Costco cc and Auto pay utilities --- this would have been closed long ago. For most 15 of 20+ yrs. I went into office. We're out of state --- Take your money out of Citi Bank, they don't really want customers --- that why they treat them badly. Chase/W.F. seem to want to do Cust. Service.

The worst bank!!!! They stole 3300.00 dollars from me!!!!

Citibank refused to investigate fraud on an older adults account. They do not protect older adults finances from exploitation or fraud. Citibank should not be able to have banking services in our country.

I was forced into a Citibank account because AAdvantage moved my credit card there. They couldn't set up a website for me to log onto for way too long. When I was able to log in it was after the payment due date. I paid off the balance immediately but then was charged interest for some reason. I immediately canceled my account. I was never able to talk to a real person. I have always paid my entire balance every month and have never paid interest on this (or any) credit card. This is especially annoying cause they charge $100 per year to have the card. I am going to miss accumulating miles on American Airlines, but it is not worth it. Dealing with this company was just awful.

I had my account closed due to "relationship with the bank while waiting on funds return from Walmart. About 4 months after the incident with Walmart I received a letter that the funds were being replaced into the account that Citibank was closing. I went into my local branch to withdraw the funds and they were unable to give me the money. A few weeks later when funds arrived in the form of a check I returned to the branch office to be informed that although it was a citibank check they couldn't honor it.

I have been with Citibank for two years now. I previously used WaFd (a total joke), Wells Fargo (the absolute worst), US Bank, Chase, and a local credit union, but Citibank gives the most grace when it comes to any hiccups with charges hitting your account. They even refunded $1200 earlier this year when a company in the Ukraine launched an attack on a lot of US accounts, when most other banks were refusing to reimburse these charges. I moved out of state to Salt Lake City, and there is no way to make cash deposits since they don't have brick & mortar branches here, but I still prefer them over all the others and plan to stay with them for life. The app is fantastic too - one of the quickest and easiest to navigate, and it made it super easy to lock my card each day following the Ukraine episode.

I think it's pretty sad to give a 77 yr old woman a credit card by her income she can't afford and they hold the family hostage for the money, prey on the elderly, sad. I'm call every news channel in Chicago. Someone will listen. You didn't make enough interest blood sucks. I'm hit every media network. They will listen. Get job Citibank

Citi Bank was my favorite credit card company until today. My spouse of 30 years just died. My bank, US Bank froze all my accounts when they were notified of his death, even though all accounts are joint. My payment to Citibank was returned. I made 2 additional payments since then for a total of $2000. Today’s payment of $1000 was placed on hold for 7 days. My account is not over the credit limit but my Citicard denies all charges until the hold is removed. Was at a store today and had to cancel transaction. How embarrassing. I called Citibank and they explained why as the reasons stated above. I explained that I was a customer for almost 50 years and never a payment missed. They explained that there was nothing they could do to help me. My loyalty and excellent meant nothing. They would treat there worse customer the same as me. How shameful.

I have been with Citibank for 8 years. But in 2026, they had changed their disputes. They give you credit for fraud from nefarious websites, but then take it back and side with the fraudsters. Something has changed at Citibank; they no longer respect their good-standing customers. It is now all about the money, which makes me think they are a Bank in financial trouble, and without a recovery plan other than taking advantage of their customers. I'm afraid it's time to close up shop and take my business elsewhere.

They refused to refund a $29 fee for a returned check fee even though my payment processed after the failed first attempt. No grace given for a customer in good standing. Ridiculously high fee for a minor issue.

I was defrauded by a merchant on eBay. eBay denied my claim by relying on false tracking information provided by the seller. So I contacted CitiBank to reverse the credit charges. I received a conditional credit, which was reversed because eBay claimed I received the item. I filed a complaint with the BBB and eBay responded by admitting they erred in relying on the false tracking info. However, eBay claims they can't refund my money because I opened a dispute with CitiBank.

I am very disappointed with my branch on 2215 Rampart Blvd, Las Vegas. In the last 3 weeks I have visited the branch and it never open on time! Today 4/11/26 the bank was open at 10:10, and yesterday was 10:06, and 3 weeks ago was 10:05. The services were terrible and one banker was arguing with me because he wanted to go home early. I have moved my big amount of deposit to chase. I was very pleased with my old banker in San Carlos California. compare with this branch is day and night.

Customer service has an AI engine that is patently absurd! Tried ad infinitum to determine the holds placed on checks that are deposited to checking accounts, and could NOT get an answer or a live agent!

I took advantage of a promotion by Citibank in June, 2025 in which I deposited a sum of new funds into a checking and money market account. My deposit was well above the required minimum. The promotion specifically stated that as long as the minimum was maintained for 45 days, a $750 bonus would be awarded to the account. I waited until Dec. 2025, and no bonus was ever awarded. I then closed both accounts, this after contacting Citibank Customer Service twice by phone and getting no satisfaction and returning to the local branch and being told I withdrew the funds too early.

RUN. Don't walk, RUN. Only use if you like wasting time on a broken platform and when you get affected are transferred to someone who speaks the most crippled English with an accent so thick you get instantly transported to India. If you have expectations of getting a solution to a simple problem like getting any info about your broken account, please take a day off in advance to deal with an army of incompetent, low energy, depressed foreign workers. Great for educators as you might need to teach them English along the way to fully get your point across.

I’ve had a credit card with Citibank for 3 years with a fixed 9.9% interest rate. I’ve always paid more than the minimum and even paid the balance off twice. My credit limit was $5,000, and I only had about $2,100 on it. In December 2025, they suddenly dropped my credit limit to $2,200, claiming it was due to my debt-to-income ratio—which is simply not accurate. I’ve worked in banking and understand how DTI is calculated, and mine was well within a healthy range. Because of this, I chose to close the account. That’s when things got worse.

I have had nothing but trouble with this company. I’ve gotten wrong information from customer service more than once, then no reparations for the problem they caused. I can’t view my recent transactions online or in my app and every time I call about it their system has not yet been fixed! A huge hassle to deal with!

There's nothing beneficial about having a credit card company reducing your credit line quarterly even though your payments are double the minimum or more, basing that decision on what they cause: "• Your credit report shows your balances on your revolving accounts are too high in relation to those credit lines."

Absolutely the worst customer service experience I have ever had with Citibank. I attempted to make a simple $30 purchase with my credit card and was asked to call in to verify my identity. When I called customer service, I was told that I had failed the verification process, even though I provided all of my correct personal information.

I called customer service (which has horrible time wasting prompts to get to a human agent) to find out about some transactions in my account. I just used a third part money agent & made foreign transactions and there were additional charges all lumped into the "ACH". There was finally explained to me by the third person I spoke to the ":ACH" and it was clear there was no problem, just how citi "lumps" transactions. Just before this I had been fielded to someone in fraud who was beyond rude, & spoke over me. He did not listen. I was very clear in say I do not want to have my account closed, I'm trying to understand what is happening.

Over 4 hours on the phone and transferred to 5 different departments, and I’m still waiting for help with a simple wire transfer. Extremely frustrating and unacceptable customer service. CAN ANYONE HELP!!!!

THE WORST CUSTOMER SERVICE I HAVE EVER HAD. Do yourself a favor and take your business elsewhere. You cannot understand their people and they even hang up on you trying to connect you to the next department. HORRIBLE