Citibank Reviews

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

The worst customer service possible in credit card business. Do not get any CITI credit cards. They will not serve you at all. I suffer through 5 months when I called them almost every other day and all they did just pass me through a so called "Departments" with no result. In short I made a purchase that was from an impostor on the net. After the purchase I get 10-15 charges from all over the world. I contacted them and let them know. They erase/credit my card but 2 months later one of these charges show again. I called and no result from them.

As a small business owner I made a deposit into atm. The atm machine taken my money but could deposit the money. The atm stop operating and wouldn’t give me back my money. I filed a claim. They stated I was trying to deposit a check but it was cash. You barely can communicate with employees. The language barrier and constant transferring to different departments. So they sent a response stating no error, of course not. The employee kept the deposit.

Worst of the worst of all bottom feeders. Broken english if your lucky. No customer service at all. Super low life CEO and no recourse to do any kind of business.

Citibank’s online systems are extremely buggy and unreliable. Core account features have failed, transactions have not displayed properly, and the platform does not consistently reflect accurate activity. What’s worse is their response. When issues are reported, they refuse to investigate, provide generic written replies, won’t speak by phone, and ultimately shut down communication instead of addressing the problem. If you rely on stable, transparent online banking, run, don’t walk, far away from this organization.

If you have an account with Citibank, close it and run as far as possible; this bank has the WORST customer service in history. They cannot provide the most basic document to a client, a direct deposit form; you need to wait more than a week to get it. Their only solution to any problem is to tell you to wait and see if someone notices you have a problem, and then tell you to wait again to see if anyone can help you, because they carry information with pigeons and cannot track or pin documents to be prioritized. They also work on Venus hours because 2 business days is the equivalent of 8 business days.

If I could give a zero I would. The fraud dept is worthless. I deposited a check.and 2 days later they closed the account claiming it was a fraudulent check. I called the customer who wrote thd check got on a 3 way call and verified the check was good including proof Citi had the money in their bank and the customer showed proof the money was taken from her account and Citi had the funds and the check cleared their bank. Then for 2 months they froze the account and I couldn't take the money out. Then Citi told me that they reopened the account and the funds were now accessible. It was a business account. I wrote two checks, one cleared and the other (Wells Fargo, another worthless bank) written to a customer whom tried to deposit the check into her account. Wells Fargo said the check that Citi had funds in the account and was a good check, Wells Fargo said Citibanks check was fraudulent.

“I’ve been a student using my Citibank cards to pay tuition and then clear balances when I receive my grants. When I needed clarity on a promotion, customer service left me on endless hold, after extensive verification. Worse, they suddenly lowered my credit limits (one by $2,000 and another by $1,000), including my student card, disrupting my financial plans while I’m enrolled. I can’t recommend them after this experience.”

You can't link nor electronically transfer from Citibank checking and Citibank business accounts (either direction.) Only physical checks with online deposit, I guess it guarantees bank's fractional amount hold to float and make money from. Crazy. So.. I am getting a TD checking account to make these electronic transfers possible, secure and fast.

THE WORST CUSTOMER SERVICE. Will not help you. Will lie on a recorded line and still not help you. I don’t even think these people have licenses because they are extremely unknowledgeable and rude.

Horrible experience. I paid my card on time for 2 1/2 years and then all of a sudden, they closed my account with no warning. I called customer service, and they wouldn't tell me the reason why. I will never ever use Citibank again.

Citibank is a disgrace with a 743 credit rating (which has been up to 800 within the past 3 years), I'm paying 28.49% interest. Predatory bank that doesn't care one bit about its customers, with horrible customer service. Second I pay off my small balance I will never do business with this disgrace of a company again, this is after over a decade as a customer which means nothing to them when I asked for a better rate.

I had been on several cruise vacations this past summer when a package that was addressed to me was delivered to someone else. FedEx had someone else's signature, but that did not matter to Citi. Citi decided that the issue had taken too long, even though they'd asked for more information several times, which I provided with certified mail. The essential truth, in my mind, is that it was not delivered to me, but to someone else, whose signature and location they had. The disputed amount should have been upheld.

I've been with Citibank for 2 years. I deposit the same check every week almost the same exact amount and every single time they still put a hold on it. When I was with Chase they only put a partial hold for five deposits till it recognized a pattern and then release the funds. Citibank wants to hold on to it for 5 to 7 days. I had an incident where I was stranded in another country and when I deposited the check on a Friday they said I didn't do it until Saturday and that they were going to put a hold for 5 to 7 days even though I needed the funds to return home. They I told me to ask somebody to lend me money.

We just paid off $1200 on a $2400 card. They moved the total amount of credit to $1300, and now I’m getting credit reports that were too close to the max. They’re ** and take away any credit that you might have. High rates and then they limit your credit. Worst card we have as small business owners. Stay away…

TERRIBLE. Have a large CD maturing tomorrow. Cannot close CD online or in the app!. They have no branches across New England. They send you an email that says, in part, "Want to make changes? During the 7-day Grace Period, you can increase or decrease the balance, change to a different term, or close your CD. You can also contact us when your CD matures and during your Grace Period to manage your CD. Did you know you now can renew, change the term, or add funds to your CD on Citi Online® or the Citi Mobile® App*? Just look for the 'You have a new alert' message on your dashboard during your CD Grace Period (up to 7 days after the Maturity Date)."

I tried to open a CD for $20,000 on my desktop on the Citi website. I repeatedly received a message of Access Blocked. The message said that I must call customer service. I called and spoke at length to someone who sent me to someone who sent me to someone who sent me to another person who gave me a phone number or someone else to speak with. But that phone number gave me an interminable list of buttons to push for a cascade of options until finally I got to speak to my fifth customer service rep who told me that I had to have a savings or checking account at Citi to transfer the funds from for the CD and that I would have to go in to a branch to do so.

12.26.25 - Very difficult to reach out to branch even you know their direct number. No one wants to pick up a phone. System almost immediately transfers you to the automated service, which is very complicated, not user friendly. After 17 calls got to central station rep. Lucy who wanted to verify my info, put me on hold and disconnected. There should be live rep to transfer to the appropriate department as inquiries are different and do not always fit into listed option.

I have had two Citibank accounts since August, 2015. This month, for an unknown reason, my automatic payment was returned. Subsequently, I received a call saying the payment was late with no explanation as to why the auto payment was rejected. Within 5 minutes, I manually paid the monthly payment. Without any notice, my card was declined 2 days later, which is when I found out my account had been closed. I tried to reach out to customer service, but they had no clue as to why the account was closed and stated I had to wait for a letter of explanation to come in the mail.

Citi Bank issued us a $595 annual fee credit card without authorization. We did not sign an application, or agree to a credit check. We are not a customer. They will not help cancel the card unless we give them our full social security number. We did not activate the card and they activated it and charged us the annual fee. We called a second time and they refused to help us again unless we gave them our full social security number. Told us we would be responsible of the fee even though we are not a customer. It is showing on our credit report. They told us to call a lawyer if we wouldn't give them our number. Terrible. We have reached out to a lawyer.

Opened a savings account back in June 2025 with an offer to get American Airlines miles in an amount that was dependent on the deposit. It was stipulated that the money had to stay in the account for 3 months before getting the miles. After 3 months, I did not get anything and called numerous times to find out what happened. It took forever to speak to someone and nobody could say what happened. What I eventually found out was that they deposited the money in a wrong type of account (not my choice). When filing with customer service to get the miles promised, they denied the request and stated it was my fault. They were terrible!!!

Froze my account at their discretion, been trying to get my money for months, only option go to a branch (they of course don't have any within 10 states of me) so had to send a certified notarized letter via snail mail, which I did, still can't get my money, anyone know a good lawyer... DON'T BANK HERE!!!

Their credit card limits are a joke and their customer support is awful. Their process on how they manage accounts are archaic and very out of touch with modern technology. Their algorithms they use to determine credit worthiness is a joke. The credit card gets consistently declined and payments take a week to show up in the account even with direct connect to checking accounts. Just stay away and go elsewhere. There are so many better banks with cards that are managed better.

I called to see if I could change a due date, there were only people from other countries doing customers service. When I tell you that it was a horrible, horrible experience. I couldn't understand what they were saying I was frustrated and so was they I spoke to five foreign people and answer the same question each and placed on hold each time. By the time I got to the right person I couldn't get done what I needed to do, I've been with this company a lot of years, and this is the treatment that they rendered to me. Please think twice about this company customer service is awful.

I recently visited the Citibank branch at London Square and was assisted by Andrés **, Personal Banker. From the moment we began speaking, Andrés demonstrated exceptional professionalism, patience, and clarity. He took the time to explain every detail thoroughly, making sure I understood all aspects of the banking services I was inquiring about. His customer service was outstanding, and I left the branch feeling confident and well-informed. I highly recommend Andrés to anyone seeking knowledgeable and courteous banking support.

Citi Bank wants me to commit tax fraud with them. Citi bank post a fraudulent charge on my account. I told them about it and Citi Bank refused to investigate the fraud. I refused to pay the fraudulent charge so Citi Bank started to charge interest on the fraud charge. So I stopped paying all together until Citi Bank corrected the fraud charge. I told Citi Bank I would pay my balance but not the interest, penalties, and the fraud charge that started this whole mess. Citi Bank came back with an offer. Let's say I owed $5000.00 citi bank just wants me to pay $2500.00. Then they will correct the damage they did to my credit report. I told citi bank I want to pay what I owe you folks. But I'm not paying those other fraud charges. Citi Bank doesn't want me to pay off what I owe in full. They want to show a loss so citi bank can use it to reduce their fed taxes. This is Tax fraud, I'm not participating in Tax fraud. So now Citi Bank has participated in Fraud twice with me.

Just spent one and a half hours waiting to speak to a representative, then was told that my charge was valid and could not be removed. When I tried to further discuss the matter, the phone call was disconnected while I was in mid sentence. I had paid off the balance of my account in full over the phone the previous month, and was charged a full month of interest only on the next month's bill, even though I had clearly requested to pay the bill in full and was informed that this had been accomplished. I really want to dispute it, but getting someone on the phone is so difficult, and getting help online is virtually impossible, so I may just give up. There isn't a branch anywhere to visit in person... seems hopeless. NEVER again will I use Citi for any reason whatsoever.

They are a thieves' institution. They blocked my account and don't want to give the money back. My rate is less than 0. I do not recommend anyone to go there. If you are a customer there, you should be very warned and try to leave as quickly as possible.

This company is the worst credit card company I have ever dealt with!! They let fraudulent charges on your account and expect you to pay for them even if you didn't know the account existed!! Scammers!!!

CITIBANK RIDGEFIELD IS THE WORST. I can at 12:15 to make a deposit. The person said the Teller is at lunch. To come back in 20 minutes. I’m 66 years old and disabled. This is Citibank. You don’t tell someone to come back in 20 minutes. This is ABSURD.

I needed my 1099s from Citibank for tax purposes. I spent 20 minutes on the phone with a customer service representative, which already is a lot considering that on any institution's dashboard the tax forms takes about 10 seconds to access. The representative claimed to have found my 1099s, said she would email them, and 6 days later and multiple texts later, still no 1099s. When I have a problem with my accounts at Fidelity or Schwab, they are resolved in the time it takes to make a phone call (less than 5 minutes). Citibank is incapable. And why did I transfer my money out of the account and close it? I had a money market and it actually LOST money instead of making money. Unreal.

This bank is the biggest scam ever!!!! They dry froze my account and would not release my money and would not even give me a reason why they put my account into review!!!! Please do not use this bank!!!!

Horrible customer service. It takes me over half an hour to figure out how to connect to a human agent because the bank makes every way to stop you from doing so. Then the customer representative has a very strong accent and can not conduct English conversation properly - simply because he does not understand. After 2 hours on the line, nothing was moved forward. Horrible! I cannot believe this is the customer experience for a bank in 2025.

I've been a Citibank credit card customer for several years, using the Citi AAdvantage program for American Airlines points. I recently upgraded to the AAdvantage Executive card for the AA Admiral's Lounge membership. The problem is that Citi won't acknowledge that I've been a customer for years and is now placing 10-day holds on my credit line because I'm paying off the card in full at the end of each billing cycle. They just use the excuse that it is a new account and therefore has policy restrictions on it. Really ridiculous.

Customer service is non-existent. Trying to achieve the simplest thing takes so much time. I wanted to unlink a closed account from the mobile app and was forced to call customer service. It was Saturday evening around 5pm, and there was over a 30 minute wait to speak with a representative. After navigating the automated system to even be placed on hold, about 10 minutes into my wait, the call was mysteriously disconnected. I don't understand why I needed to call to for this simple task. This is something that should be available online. They keep soliciting me to open a bank account, HELL NO.

Beware!! Citi Bank Credit Card is the worst and Im cancelling my account. I have spent a month and half disputing a charge from a lying scamming con artist. Citibank has determined I’m responsible for the charge because I didn’t request a cancellation from those criminals. I called Citibank immediately after I was scammed and they never told me I needed this. I had proof I did not receive the services I was paying for and Citi Bank still would not reverse the charge. Their “investigators” don’t do their job and they do not protect their customers.

I keep trying to talk to someone in the United States that I can understand at Citibank. I keep getting persons who tell me they are working "off shore". I did an online chat with "Aureila" and she eventually gave me a number that was different than the one I had previously called multiple times only to be connected to their "offshore" persons. Customer Service is not in CitiBank's vocabulary.

Do not bank here. Do not apply for their credit cards. There is no customer service. Their fraud department was trained in 1939 Germany, Save yourself the trauma. They are just here to punish you for no damn good reason and they wonder why Americans are so fed up. Flush Citibank.

Citibank’s Mishandling of Unauthorized Charge & Poor Customer Service. In July 2025, I was overcharged by a merchant for a transaction I did not authorize. Relying on Citibank to protect and support me, I promptly provided Citi with clear proof of the unauthorized charge. Citi initially assured me that the matter would be resolved and that I would be reimbursed. Instead, Citi failed to follow through with their promise.

I could write on and on about my negative Citibank experience. I got brought in to this bank via a 0% offer for a 18mo balance transfer. As part of opening an account, they also had a 20k point offer if I spend $1500 in the first 3 mo or so. The communication about this, and dealing with their customer support has been dreadful. They have a customer support team that barely spoke English properly to me such that they could not explain their own product. Nothing made sense in terms of how they explained things to me and I had to chatGPT all my questions in order to understand things. They are inflexible and the reps I talked to (mainly India) - my god, I have never dealt with such a rude individual. I can go on and on but in summary, I do regret opening this card even though I was able to get a 0% apr offer. I have accrued fees over $400 although luckily I was able to recoup some losses via filing complaints to the CFPB.

I sent a complaint to consumer protection and Citibank responded with not a full refund. My card info not physical card was stolen. They flagged on 9/10. I called and they cancelled card and issued me a new one. Before I even received card, the same thieves at the same places where it was previously flagged used it again. Yet me the owner, couldn’t even access my info online without new card cv. Citibank allowed same thieves to use my new card that I never received at the same places, same platforms etc, where it was flagged by them previously.

Wow, I wish I had read these reviews before investing my money with them. What a bunch of CROOKS. They unilaterally extended the term of my CD without my permission. I am still fighting to get access to my funds. Even more frustrating is the ** call center staff that read off a teleprompter. The ** I spoke with could barely speak English and couldn't find her way out of a paper bag.

Loyal customer, paid my bill every month on time and they closed my account for no reason, glad they did, I don’t want to deal with them if that’s how they do business. Called and they just said accounts closed, nothing we can do.

I open a Citbank Accelerate savings Account because of the good interest rate. I let it sit there, and accumulate interest, which does not seem unusual. I was locked out of the account because I had not done anything with it in two years! Is it unusual to open a savings account, and let it collect interest without adding or subtracting? Isn't that one of the purposes of a bank? I wanted to make a large addition to the account, but I am locked out. I have to go to a branch, but there aren't any within one hundred miles of where I live! Stay away!!!

Inconsistent and inaccurate information shared by unhelpful customer support. I don’t totally blame the customer support team but the training they receive and different information they are given based on whatever supervisor they have. I wish I had them on a recording. So HOT TIP record your calls because they are super shady. Bottom line is they will do whatever means more money for them. Don’t accurately allocate payments with multiple loans. They are supposed to apply the last two payments to the deferred interest program coming due. Not the one with the higher interest rate. Yes, that’s the general rule. But not for the last 2 payments. So now I gotta pay 30% interest because they didn’t properly apply my last two payments and I was told they would on two separate occasions.

I had numerous amounts of incidents with this bank, where my transactions get declined while I have significant amount of money on my business account. The most horrible bank and service. Do not open accounts there. Very uneducated staff. Will be taking my accounts to Chase.

Worst bank I have ever dealt with and I have like 5 different bank accounts and this is by far the worst. Go elsewhere. They seem to only outsource and I cannot understand their employees and their employees don't understand what I am saying. NEVER DO BUSINESS WITH THEM.

If I could, I would give a zero-star rating to this nonsensical institute. I opened a checking account with Citibank without doing enough research beforehand. I have multiple bank accounts with Chase, Wells Fargo, US Bank, and others, but none of them have such poor service as Citibank does. Unfortunately, I lost a lot when I applied to Citibank for a dispute. Most of their employees are unprofessional, especially their online managers. When they are unable to solve a problem, they ignore you and close your account. I strongly recommend all businessmen to stay away from Citibank and stop opening new accounts with them.

Worst customer service, need to be more professional to treat customer, also they need to learn more about banking, they don’t know what they doing, I don’t really have words to express how frustrated I was after I spoke multiple times with customer service.

We have had the same experience in trying to open a credit card account as many of the other reviews here. We have called to verify our account four times now. Got the letters, verified phone numbers, all of it. They keep saying the account is clear and when we need to be transferred over to customer care to take care of our balance transfer, the hold time is over 30 minutes before being disconnected. Then guess what! Back through the entire verification process again, waiting for another letter and all. Supervisors are just condescending jerks as well. If you have good credit, just go somewhere else and save yourself the headache.

My account was restricted for fraud 2 weeks after opening the checking account. I couldn’t use my debit card, transfer, or withdrawal my funds at all the entire time my account has been open with them. They told me they will mail me a letter with a reference code as a verification within 8-10 business days but the letter still hasn’t been mailed to me and it’s been past 10 business days. I then called again to ask when the letter was going to get to me and they said another 2-3 business days.

TERRIBLE and HORRIBLE Customer service. It took 2 days of calling them to let them know my ATM card was stolen and compromised and someone used it too. They have their call center in the Philippines with child voiced/sounding call center agents with high pitched voices and very thick accents handling critical issues such as this one. After listening to the automated system for 15 minutes and being on hold for an actual person for an additional 15 minutes. The whole customer care experience is truly out the window and you can see they care zero for their customers and don't have any call centers in the U.S. so they can pay low wages to an island of questionable people who sound underage.

I am extremely frustrated with Citi Bank’s lack of transparency and customer care. They abruptly blocked my bank account without any prior notice or valid explanation and have been holding my funds for 60 days. This has caused severe financial stress and inconvenience. The bank has shown absolutely no concern for its customers. Communication is poor, and getting any assistance or clarity from their team is nearly impossible. It is unacceptable for a financial institution to treat its customers this way. I strongly urge Citi Bank to review its practices and prioritize customers’ rights and trust. Until then, I would caution anyone considering banking with them. I strongly recommend every one not to go with CITI bank.

I have been banking with Citibank for over 28 years. It might be time to change. I was conned into opening a new bank account to get a free gift. Never got it. Last month I wired cash. 10 days later the recipient never received it. The bank manager reversed the transaction and said I would receive my money within 10 days. It has been 20 days and the money has disappeared. They are still trying to locate the funds. I bank with a SF branch and it is an absolute nightmare. I also bank with two other banks, Wells Fargo and UBS, and am extremely happy with them.

I used to love Citicards. I've had a CC with them for 22 years. Today, they closed my account with no notice. I called and spent hours on the phone. I kept getting told their fraud dept. had done the deed, but when I talked with them they said they didn't. 3rd time I talked with them they asked about a transaction from the previous day and I verified it was correct, then they lifted the "lock" and told me to call back in 24 hours to have the account reopened. What?? Call back to reopen it?? I have transactions piling up and already had one bounce. This is insane. Any none of the customer service reps could do anything and most said they would be mad, too.

Citibank has the worst security. My account was compromised twice. They locked it down. I couldn’t get to it but everybody else could. Couldn’t get a hold of anyone. Terrible Customer Service. I would never ever recommend anyone go close to Citibank. The worst bank ever.

Citibank has the worse customer service of any bank I've ever had to deal with. ALL of their customer service reps are foreign, so the language barrier is impossible to deal with. I typically have to call in an average of 4 times to get something resolved. I've been denied access to tools and features that others have. I was told that since the account was new, that it would take 30 days. My landlord signed up for an account the same day I did and from day one, he had access to everything. The only difference is that I'm ** and he's **. I tried to send a wire, a typically thing. I set it up and was told it would go out by 1:30pm. 24 hours later, had I not called in, they said I needed to verify a few things. I was then asked 47 questions about where I got the money, how I earn my money, my relationship with my mom, when was the last time I travelled.

Opened a Citibank/Costco account and charged a travel package using temporary account numbers. Never received my cards and unable to gain online access. Multiple phone calls later, Citibank continues to deny access and refuses to take phone payment, while interest and late fees accrue. They say they can’t find my phone number to verify identity. Meanwhile the automated system continues to text and call that my payment is late. DO NOT open any accounts with this company. There is NO CUSTOMER SERVICE WHATSOEVER!

Worst bank ever. Took 30 minutes, 3 people just to pay my bill. All their phone headsets are faulty. Terrible mismanagement for a Large company should not do this to customers. No more. I'm going Bitcoin it cash.

Worst bank ever. Opened a new account. Was out on vacation. Card was working just fine, when I went to make a purchase my debit card got declined. I called so they can unfreeze my account so I can use my own money. The guy who helped me out who didn't speak the best English told me that the security department who takes care of that is off. I was stranded on vacation, not allowed to use my own money. Couldn't buy food, Uber, essentials, and gifts because they decided to put a hold on my own money.

I'm so dissatisfied with this bank! Not only that, the Teller once put the money I wanted to put into my account put it into a wrong account (maybe hers), and it took me more than 3 months to get it back, now I wanted to do a transaction which failed 3 times due to insufficient funds but the funds were there. I'm wondering what's going on. This bank sucks!!!

Their system issued a false positive on a transaction. After clearing the issue with an account specialist, I was assured the issue has been resolved. But it wasn't. Two days later I was unable to use my debit card or make payments. Reason? "Under review". I have reached out to their extremely unhelpful "customer service" that barely speaks English. They don't know why there is a review, they don't know how long it's going to take, and everyone at Citi seems perfectly unbothered with the fact that their clients are unable to use their accounts or pay their bills.

In September 2023, Citibank abruptly closed my checking account, which held $12,981.90. They promised to send me a check with the funds, but it never arrived. For over 20 months, I called, emailed, and visited branches repeatedly—only to be met with lies like “it’s coming soon,” “it’s already been mailed,” or “it’s under investigation.” I was passed from agent to agent. No one took ownership.

They double charged me for my the payment that I had set up $400. Then lowered my credit limit. So when I asked to be reimbursed due to their error, they would not because it would put me over my limit that they just lowered by almost $1000.

Initially, my balance was approximately $765. Unexpectedly, it ballooned to approximately $1,665.38. CitiBank claims that a 24-month promotional balance was not properly "paid off." However, CitiBank failed to provide clear, adequate, and transparent communication about a critical requirement: that I, the consumer, had to proactively call them and explicitly instruct them to apply payments toward the promotional balance. Without such a phone call, they assert, the balance would automatically accrue interest — even though I made regular payments that exceeded minimum due amounts. This practice reveals several concerning violations.

Citibank - EXTREMELY POOR CUSTOMER SERVICE AND WILL NOT RELEASE MY DEPOSITED FUNDS. If I could leave this company with zero star rating, I would. I have, many medical conditions And bills to pay. I opened a new account and deposited my paycheck using the mobile app. I knew it would take a day or so to be available, but instead, 2 days later, they decided to hold it for a week and a half. Making it impossible for me to seek medical treatment (get my prescriptions), have money for food and gas, and also pay some very necessary bills. I had already set up direct deposit for my next check, and they said I would have access to it immediately after deposit, which was a LIE, and they once again denied me access to the money for four additional days because they had not sent me a debit card yet, which means for 2 weeks they held over $2,500.00 and would provide no resolution.

They do not speak proper English. Just had representative (supervisor) Nick hang up on me. Spoke with a Karen ID#**. She declined a $500 towards my principal. However she did confirm I been with them since 2016. Making 3 to 4 payments a month.

I must say in my triple decade of dealing with banks. Citi B is by far the worst of all. Their customer service is rude, take too long to answer, give you a runaround, then when you finally get a manager, they feed you lies just to get you off the phone. This happened more than 4X. Each manager will promise a lie then when you call back you can never get them. I have had it with them and I am soon planning to take them to court. Unless you stand up to them they will continue to blood suck your money with fees, late fees, and even open an account without your permission. Once you take out more than a thousand or two, they will reduce your loan amount to exactly what you owe which takes lots of points from your credit score. Luckily, I have every info needed in email and chat format to present to the court. Don't fight with them, just take them to court. I hope they no longer exist few years down the line!!

I’d like to share my recent experience with CitiBank regarding my 2 CDs. June 22-I received a letter saying they would mature on July 23 and I should contact you that day to renew or redeem. The letter is dated 6/18/24. July 23-I went to my app and was not given any option to redeem. Being on vacation, about to board another airplane, I had no option but to look again the next day. July 24-5 am-the only option I had on the app was to renew. I set it aside thinking there was a problem with the app. 3:30pm-looking on the app, one CD was now missing. I called Priority customer service, answered all their questions. I was told my “mother’s maiden name is incorrect” How does that change? They asked for my safe word-there was no option listed when I got the CD, but it did ask for my favorite sport. I was told all my answers were incorrect and I needed a safe word. I never gave a safe word.

Horrible customer service. I was charged a $30 returned check fee due to a bank communication error, and Citibank refuses to refund it despite having promised that they would be able to next billing cycle. I called back the next billing cycle, and they told me that their "system" would not allow them to process the refund, even though the previous supervisor said it would be no issue. There is a lack of communication within their support system and they are punishing good customers who pay off their bill monthly. I have spent HOURS on the phone with them and my other bank trying to get this resolved. Beware, STAY FAR AWAY FROM CITIBANK.

Reviewing my Citibank bank monthly statement, as I was looking for my cashier’s check purchased (or otherwise known as an official check purchase) - I noticed that Citibank bank listed my Citibank official check aka cashier’s check purchase as CASH WITHDRAWALS even-though they transfer it directly out of my account for my purchase for the check. I have purchased the cashier’s check as a single transaction and also when performing other transactions. I could not find one of the many cashier's checks that I have purchased over the years identified on my bank statements because they all read as CASH WITHDRAWALS!

Citibank provided the worst customer care to me. They are not professional in this business but just try to provide bother to you with wasting your time. I bought a lot of time to open an account with citibank and they closed it suddenly without any reason.,

Citibank wired $11,850 out of My Business Bank account! I Have Been Waiting Patiently Until They "Investigate" the Fraudulent Wire.- They Even Know the Account that "THEY" Wired it to. (I Have Never Wired any Money to Anyone in 25 Yrs with Citibank!) Their "Internal" Investigation (I Have Seen No Proof- Not a Text, a Phone Call, an email- NOTHING that Verifies My Approval to Wire This Money- Nor Will They Produce Any Results of the Investigation. Their fraud Dept Has "Decided" that They are Going to "Deny" My Claim!- in Writing- Still No Contact- Just a Letter 3 Months Later.-

I got approved for a credit card through them at Best Buy. Went and did some shopping elsewhere while I contemplated the purchase. Came back and had to re-apply, which meant running a credit check twice in the same day. This time I was denied, so at the end of everything my credit went down and still ended up just paying for it out of pocket. Do not recommend wasting your time with them at all.

Citibank is basically a fraudulent company operating as a bank. Their customer service is atrocious. They offshore it all to the Philippines and their customer service people do not speak proper or understandable english and never try to help or resolve the situation. When I asked the birdbrain supervisor what his name was, he told me it was "Ocean". Morons on parade at citibank. Use any other bank.

I have a problem. I made a payment to a credit card that was very old on my onlinebanking@ealerts.bankofamerica.com. I called Citibank. After waiting for 30 minutes they told me that I have to contact my bank which I did. My bank send me a letter certifying that the payment was made to citibank..I think that citibank should have the money????

It was easy to open my savings account and their interest rate was much better than my bank. However, when it came time to close the account, it was extremely difficult. It required two long phone calls going through a long voice response unit. Now, they took away online access so I can no longer retrieve bank statements or my 1099. I called to get the 1099 (another voice response unit, long wait, then an agent with a thick accent) to find I have to call back after Feb 1 in order to get it. This bank's customer service is abhorrent!

On December 8, 2024 after being online with customer service for 20 minutes, I found out that in order to add my wife's name to my checking account, I had to fill a form out that had to be mailed to me. I couldn't believe that there is not a single branch in my city of 6 million people! However, I waited to receive the form which took one week to get here. I waited till the holidays were over and tried to fill the form out. I made some mistakes on my form and decided to contact them to send me another.

Bank at Citibank at your own risk—your personal safety is not guaranteed, nor is your money safe. I was robbed at the ATM inside the branch during open hours. There was no security present, and none of the staff noticed what was happening, even though it was blatantly obvious—a tall man with a fully covered face was hovering over me at the ATM. After the incident, I immediately notified the bank staff, and the branch manager filed a report. I was assured that I would be reimbursed for the stolen funds. However, Citibank is now declining my claim, citing the fact that I was in possession of my ATM card and used my PIN—which, of course, is true because I was robbed while using the ATM.

I'm waiting on hold as I write this review. They've had me on hold for 30 minutes. I just need to get on the website to view my account but all of a sudden, my user and password doesn't work and when I put in the card 3 and ss they still don't recognize me. Are you kidding me. I'm out, canceling my card.

Deserves -0 stars. Citibank sent me an offer in the mail. I opened an account online and transferred all my savings to Citibank to take advantage of the offer. Two days later, Citibank notified me they suspected my transfer was fraudulent and blocked my account denying me access to my money. The bank manager at my local branch called their fraud department to tell them I was there in person, with my passport, driver's license, work ID, and business card- I manage an Economic Development Program for local government. The manager verified the legitimacy of my documents and requested they unblock my account.

Can’t make it up how terrible this bank is. Customer service literally stopped talking for 5 minutes. Hoping I would hang up and when I didn’t, she came back on the line and started acting like she couldn’t hear me and then said since you’re unresponsive MS end this call and hung up like literally just can’t even make it up such a stupid stupid way of doing business. This bank is absolutely terrible and scam artist and clearly everyone, including their foreign customer service agents are in on it.

I would give them ZERO STARS if I could‼️‼️ DO NOT do business with CITI credit card….. They are HORRIBLE TO THEIR CUSTOMERS‼️ I have been a loyal customer for many years and when I disputed a bad experience I had at a new hair salon (color was not as expected and they damaged my hair), CITI did not stand up for me and did not reimburse me for the charge($274). CITI told me that they “are not in the hair business and it is not up to them to determine what is a bad hair color or not." (I sent numerous pictures of the damage). This went on for 3 MONTHS‼️‼️ Over the course of these 3 months, I spoke to numerous dispute department reps and supervisors (most from India or Malaysia and they barely spoke English!!) I received blatantly WRONG information from these people and was constantly jerked around and given the run around!

Citi took the title of the worst bank to deal with. I've been their customer for 20+ years. A checking/saving account, credit cards. Never missed a payment. Last year all of a sudden they started dropping my credit cards limits on nearly monthly basis. Every time I made a payment, they would push my utilization from 30% to 100%, dropping my credit score for no reasons at all. There is nobody there to speak with. I'm done with them and moving my business to their competitors.

I have a billing, fraud dispute going on since May 21th 2024 and all I get is the runaround. Their customer service HATES the cardholders. I have never dealt with any business that is so unprofessional as Citi Bank. I would highly recommend not doing any business with Citi Bank of any kind. They are like dealing with a mafia. They have caused me great stress and love criminals that sell on eBay.

I had a very disappointing experience with this bank. I was offered a 3% rate, but when I started the transfer, it changed to 5%. Thinking it was a glitch, I contacted customer service, and they provided an email address to send my concern. I sent my issue along with a picture of the original offer, but no one contacted me back.

They are not loyal to customers. Been with them over 10 years doesn't mean nothing. Cast me away and took my money and told me basically due to fraud you not getting any of your money bye. The mental stress of having all your money frozen and then to be told you get nothing. Just not right. I will never recommend them. Better to keep your money under the mattress. At least no one can screw you over.

Never one late payment in 3 years. When I paid off my personal loan my credit card credit went down. The following month they reported to the credit bureau I went over my credit limit. I didn't even use my card. This was because they reduced my limit to lower than what was already charged. Call customer service and they barely speak English.

If zero stars could be an option, I would give it. I opened a Costco credit card with CitiBank because of the benefits they've advertised. However, after attempting to use the card, and make payments, they would not accept payment on four different occasions. Even after validating that they had my correct bank information and mailing address. Not once did I receive notification of this unless I looked myself. I've spent numerous hours on the phone with their customer service team in attempts to resolve this matter, and their only solution was to close out my account and refuse to re-open it. This is TERRIBLE customer service, TERRIBLE operation of a business, and TERRIBLE outcome.

FALSE ADVERTISING/FRAUD. This branch had a "December Premium" whereas you get a gold pendant if you open an account between Dec 1 and Dec 31, 2023. I opened a 7-month CD on Dec 30, the certificate states open date Dec 30 and matures July 30. Dec 30, 2023 was a Saturday, Dec 31 was a Sunday, and Jan 1 is New Year's Day.

Title: Citi Bank Account Closure: A Frustrating Journey. I recently went through a frustrating experience with Citi Bank that I feel is worth sharing. Out of nowhere, I was informed that my bank account had been closed due to suspected fraudulent activity. While I understand that protecting customers from fraud is a priority for banks, the suddenness of this action and the lack of communication left me quite unnerved.

Worst credit card ever. I would not recommend them under any circumstances. I received a late fee on a $100 balance and they wouldn’t remove it. $25 something late fee on a $100 balance is 25% of what I owed….The minimum payment was like $62 on a $100 balance. These guys are highway robbers. Please if anyone out there is reading this, never and I mean ever get an any credit card with Citibank. I had a small balance on it which I forgot about ($100) and they called me and harassed me over it. I paid it, but what if that doesn’t tell you about them, then I don’t know what does. For reference it was a Macy's charge card through Citibank.

I have sent them payment for my credit card in September. My check has cleared but the payment never posted. I have talked to a person on chat and filled out everything they said to fill out. They said they will contact me 24 hours later. Nobody has contacted me, I gave them the benefit of the doubt and waited a week. A week later, I called and the girl said: oh it’s all good, you’re going to get your money back, we will post the payment any day now. It was never posted. Nobody contacted me.

I recently opened a AA CC with Citi and was told by the app to call them. The hour following eventually left me in tears because of just how frustrating it was. No one knew why I called and was told they were transferring me to a supervisor but really was directing me to a fraud investigator. Eventually the last agent provided me with information but for 40 minutes no one was telling me anything and despite giving all information I could they decided to lock my account and send me a letter instead. I was lied to multiple times and given the run around only for doing what CitiBank asked me to do only for my card to be locked instead. My trust in Citibank is worse Wells Fargo (iykyk). Worst communication possible. Consistent lies about who and where I was being transferred to. Miserable people.

I opened an online IRA cd with Citibank. Hands-down this has been the worst banking experience of my life. The application process was incredibly difficult. When a bank makes it that hard for you to give them your money I should have known it was going to be a nightmare trying to get my money back. Once the account was finally open I went online to create an online profile to look at my account. To my surprise, you are not able to create an online account. Your only option is to call a toll-free number to spend an hour, trying to get to a human being when you finally get to that human being there in the Philippines. They have a really hard time understanding you and you have an impossible time trying to understand them. If you talk to three different operators you will get three different answers. Talk to a supervisor you'll also get another different answer.

This company is a joke. They likely cater to money laundering terrorists in their effort to harm customers' credit. This is a company to stay away from. Morons are in charge of their lack of customer service and their thieving policies that cost consumers money and reputation. I would stay away from Citibank at all costs!!!

I’ve been employed in banking for over 25 years so I know “banking talk” when I hear it. The rep asked me to give full SS#, ACCT#, a Debit Card# with pin included to be verified. I told them I will give them only last 4 as I don’t feel comfortable giving my information via phone (I can’t go to the bank as I work during banking hours). I was unable to self-service because I was blocked out of mobile use due to “fraud flag” (in which I responded to the text that transactions were initiated by me).

The website citi.com is poorly designed, slow, and buggy. Online customer support is horrible. They are confused by their logic around the prime users, not the prime users. Workarounds are kludgy and unreliable. The support is unprofessional and insists on irrational workarounds. The bank seems to be reputable; however, the site is subpar, by design, and overshadowed by the attitude of the technical support.

Customer service is terrible. I was assigned a relationship manager who was rarely available and often left no way to contact an alternative human. The automated system doesn't deal with most issues if you can even get it to understand you. I will never do business with them again.

Citibank's fraud department has locked my account 4 times since Friday and won’t tell me anything about why it’s locked and one of the managers hung up on me. It’s a shame they get one star. I’m definitely going to take my money and business elsewhere. Need to fire everyone in the fraud department.

Worst bank ever!! Open my checking account on August 29th did not received my card until the 15 of September because I called and they sent an expedited new card. Then after this, everything went from bad to worst. They kept restricted my account for no reason. I had to always called the fraud department and they never gave me an explanation on why they kept restricting my account. I couldn’t go out nowhere to pay with the card because I did not know if it was going to go through or not.

Below zero if there is rating for Citi, they froze my checking account for lack of activities, I tried to reactivate it and follow their dated process by writing letter to them 3 times and had been calling customer services tons of time to follow up, still more than 3 months passed by, to no avail. I will be pulling my money out as soon I get active again and will never use CITI, never, ever!

Citibank is doing monkey business in USA. They stolen customers money from the account. Worst customer services and very corrupted employees. I lost my money as a scam though never share my personal information.

Citibank is horrible! They closed my Best Buy account without warning. I paid my bill in full and they closed my card! It caused my credit score to drop by 14 points! I was put on hold by customer service for 45 minutes and got no answer. Just horrible.

Please give an option for 0 stars as that may be appropriate. Banking with them since 1989. Even now, they pay 0.05% for a three month CD. A CD secured loan is 6% or above i.e. them charging you 6% or more to lend you your own money since it is secured by your CD. Most ridiculous pricing you can ever find. Can someone retired from the banking industry come up with a plan to start "people's bank" to compete and give some of these banks a run for the money? I will be glad to help in any way I can.

My current Cc has an extremely high interest rate. Been a loyal customer for years never missing a payment. Chatted with them online to try and get the rate lowered to make paying it down easier but they said their system wouldn't allow it. Wasn't looking for 0% just something more reasonable than 25plus. Canceling will be in my near future since they don't want to help out customers.

Applied for and received a AA credit card with 100,000 miles bonus with 10k spent in 3 months. After spending the minimum and paying an large yearly fee I was denied the 100000 points. Citi stated that I had received a miles bonus on another card which disqualified me from the 100k points. Very deceptive practice from a company that has a F BBB rating. Stay as far away from Citi as possible.

Awful bank. I set up a checking account with them several years back. Deposited some money right away, and then again the following month to meet their $10k min deposit amount to avoid their $25 monthly service fee. Little did I know that they AVERAGE your monthly balance to determine whether you get hit with the fees. So, even though I had over $10k in the account, and it's even clearly stated on the monthly statement, because it wasn't all deposited at once, they started hitting me with the monthly $25 fee, which dropped the balance down below the $10k, resulting in many fees over the next few years.

I have a couple of CDs in Citibank and I regret that I chose this bank. The online account has a message center which is one sided - customer cannot send a message to the bank. It is extremely frustrating to reach an associate. There is no provision online to close my CD online and transfer the amount to the Savings account. Recently I contacted an associate of the bank and told him to transfer the proceeds of my CD to the Savings account on maturity which was two days from the date of contact. He agreed and when I check after a few days, the CD was renewed for a period of 9 months. Now I have to pay a penalty to get the CD amount. The bank exists in the clouds and your only contact is with the associate and the communication is oral.. There is no written communication between the bank and the customer.

Terrible customer service, especially in the disputes section. They approve vendors to have money deducted, and they keep you on hold for 30+ minutes and disconnect the call when called to resolve a dispute. They never issue a permanent refund despite providing all documentation, despite assuring on a recorded line. All the agents are out of US (India) and they do not understand the intensity of the issue. All they do is to keep customers on hold for many minutes then disconnect. For one dispute, I had to call around 6 times in a span of few weeks in a hope to get a trained matured associate. Still no luck.

My credit score was in the high 700s Citibank, offered a a balance transfer In April 2024, and June 2024, Citibank decreased my credit limit to almost the exact amount of the balance transfer. Low Credit limit changed my credit use ratio. This credit sabotage significantly decreased my credit score. I AM VERY DISSATISFIED AND DISAPPOINTED WITH CITIBANK. I NO LONGER HAVE THE CREDITWORTHINESS TO APPLY FOR A NEW CREDIT CARD TO TRANSFER THE BALANCE FROM CITIBANK TO MORE REPUTABLE CREDIT CARD SERVICE COMPANY.

The rating scale for Citibank should allow for ZERO stars... I opened a SEP IRA at Citibank in 2008, and started making withdrawals in 2023 (after turning 63). I have made 5 withdrawals and 4 have been royally screwed up by Citibank: the Retirement Plan Services (RPS) call center is offshore - Philippines, I believe - and the "back office" is in San Antonio and there is a total lack of communication and/or accountability between the two. In addition, customers don't have access to RPS accounts on-line to view account activity, making it nearly impossible to keep abreast of RPS accounts. Additionally, withdrawals from RPS accounts are handled by submission of paper forms, which is just bizarre in this computer age.

I called Citibank today to dispute some charges, and I was transferred to a customer service representative in the Philippines by the name of John. He was pressuring me to give private information and did not want to verify me with my phone number. He claimed that he could see my full Social Security number and was pressuring me to give my full address. He also asked for my middle initial. I filed the complaint with Citibank regarding this issue and Citibank did not take appropriate action to take care of this. Citibank has got to be the worst financial institution in the United States. There is a scam going on inside the bank to rob customers’ Social Security numbers and personal information. I spoke with Vanessa a Senior Account Rep and she did not resolve the issue. Did not do any business with this bank!

Citibank is often regarded as one of the less favorable financial institutions in the USA. Although no bank is without flaws, Citibank frequently receives negative perceptions. The customer service overseas is poor and outside of US jurisdictions, which may expose customers to scammers. For instance, if employees in the Philippines earn approximately $2.00 per hour, an offer of "10" could lead to the immediate sale of your card information.

If you like low interest rates and lots of gaslighting, the Citi customer service line is the one for you. I opened a Simplicity card for the balance transfer deal. Shortest version of the story is that it took one month, 3 phone calls, and a version of myself I’ll call Karen-Hulk to actually get things going. Customer service is clearly offshore, which is 100% fine, but let’s use a working phone line. Also they must be paid by call clearance because I was transferred to a department that had nothing to do with my issue. “Level up manager” Sima helped but really just did basic customer service stuff like letting me finish sentences, not hanging up, etc. the most insulting part is that they raised my credit limit to “help out”, and played dumb when I clarified that the balance transfer fee would also increase, so not helping. My only hope is that I can use the app from now on, pay off the card and say goodbye.

My two Citi credit cards were closed because the payment returned and lale payment for the 1st time after 20 year as a member of Citi Bank. I set online auto payment, I expected my payment always on time for period years. For some how that unfortunately day, my Citi checking account was frozen (on my bank monthly statement report), all my payments could not go through, all of them were returned. I called 6 times and went to local Citi Bank branch, of course my payment finally go through after 3 times returning. However, I requested an explain, Instead send me a letter tell me that was technical issue as they did in the past, I did not receive any explaining. I have been using some others credit cards from different companies, and never plan to open another Citi credit cards, get away from headaches, frustration and upset.

I have held a very low balance, secured account with Citibank for a little over two years. My account was closed without warning from Citibank. When I called for an explanation, I was not provided with one. Instead, I was informed that I would receive a reason why the account was closed via USPS (United States Postal Service) mail. I have to wait for a letter explaining why my account was unexpectedly closed! Not that this was an inconvenience, but I honestly do not understand why the account was closed. The fact that Citibank can arbitrarily close accounts is maddening. I definitely would not recommend even getting a secured line of credit with Citibank. It is simply not worth it if they are going to close the account without warning.

I'm having surgery and ask the banking I could get my CD released two days early without any penalty since I'm having a major hip replacement and they said no and said it would cost me $2700.00. Don't bank with them. I use CitiBank has done other things too.

I am warning folks about Citibank. They deny Identity theft and government snooping. I had a CD at Citibank and noticed that the maturity date had changed. When I tried to sign into my account on the Internet I was denied access. I phoned them and was denied access to my account on the phone. I was told that my social security number did not match, that my mother's maiden name did not match, and that I had moved recently (I had not moved). Repeated phone calls and internet attempts failed to let me access my account. In fact, one Citibank rep told me "this is not your account." It is obvious that someone was stealing my account. An attempt to get their fraud department to intervene failed completely. I continued to push the issue and eventually retrieved all my money but Citibank insisted that there was no identity theft. They also refused to but that in writing.

I have had a Citibank savings account for 5 years and recently was unable to transfer funds from my savings account to my checking account which is with another bank. I was unable to get an answer from the chat option so I called. I got 3 different reps from India and finally was directed to another person. The rep told me that I cannot transfer money from saving to external checking because my debit card was expired. I have never used a debit card with Citibank and this account for the past 5 years. She insisted that I get a new debit card that she would send in 10 days. I needed the funds sooner than that.

I strongly advise against opening a small business bank account at this institution. I recently opened an LLC account for my real estate operations, intending to deposit commission checks and manage business transactions. However, all incoming payments, including checks and ACH transfers, were immediately placed on hold, and my account was restricted without clear communication. The security office displayed a lack of understanding about the real estate industry, particularly the nature of escrow and broker transactions, leading to unnecessary complications. Customer service was unhelpful, often ending calls abruptly without resolution. Despite the absence of cash transactions or bounced checks, and the origin of funds being a reputable local escrow office, the lack of trained staff and inadequate customer support has been highly problematic. I recommend considering other banking options to avoid similar issues.

Citibank has among the worst customer service in the industry when compared to banks like BofA, Chase, and Amex. While Amex remains the gold standard of what optimal service looks like, Citibank fails to meet the minimal requirements for mediocrity. From unnecessarily blocking accounts, slow transfers, and undertrained representatives, Citibank is an excellent example of what a Bank should not be. I happily pay a monthly subscription to never see their name again.

We have had citi credit cards for the last 15 years with only great service and benefits, sadly I cannot say the same about their banking service. Recently I opened a saving account guided by their great high yield rate offer and it was a nightmare. While waiting for the closing of a property we wanted to get some interest on the money so, I wired transferred $280.000 from my bank account to my citi saving account following the customer service adviser that told me no fees would be charged and free movement of my money at the time of closing, then two days trying to wire transfer the money out to the attorney's bank, it seems like we had to do at least 6 wire transfers any with a $15 fee, more than 6 calls to get advise and help, any representative at the call center had a different misconception of the policies and steps, none of them with solutions.

I had a question about a specific Citibank ATM location charging me a fee. I spoke with customer service representative Kyle (who was female) in the Philippines. She answered a general question that wasn't what I was asking by saying, "If it is a Citibank-approved ATM, you won't be charged." I explained that the machine said it would charge me, and I had not encountered that when using my savings ATM before. I wanted to know if I would be refunded the service charge since it was on the website for Citibank ATMs. I think she pretended to look up the location I was looking for. Then, she suddenly says, "Oh yes, that's a Citibank ATM location; you won't be charged." I'm still not at all sure I won't be charged if I use this ATM, which is the most convenient location for me. Talking to Kyle was beyond frustrating. Citibank has no credibility when customer service can't answer questions knowledgeably and without acting suspiciously.

Expats and Military! DO NOT USE Citibank US!!!! I was recently scammed by someone who got into my account and wrote bad checks. Citibank decided to close the account. They told me I could open a new account. I'm an ** who works out of country as an international teacher. They refused to open a new account even through they told me in the security department that they would work with me. The new accounts department told me it was because I'm ** who don't work in our country they would never open an new account for me. I would have to make a special trip to the United States in order to open a new account. Expats and Military beware. Citibank is blaming you for your service! Avoid them like the plague! They will steal your money and blame you for anyone who gets into your account that scams you.

Bad customer service that keeps getting worst each and every day. They block your card for no reason even though there is sufficient funds in it, which is embarrassing in public when your card is declined. Customer service is beyond incompetent and will place fraud alerts and block your entire account for no reason. When you call customer service they will only read from a script and don't really know how to help you despite just having a simple request and question, you will be transferred between the same three departments over and over and over again, and this can last over an hour, sometimes you are put on hold and forgotten. Really stupid people and infuriating, constantly being transferred and they talk over you, you have to repeat yourself over and over and over again. A complete waste of time, and it pisses off the consumer.

My card works everywhere I use it except for my auto repair facility. I have called to let them know it's a trusted facility or charge and it still flags every time and locks my card. It's easy to unlock with the app but still frustrating as I frequent that business with maintenance of my three vehicles. The monthly payment withdrawals are inconsistent and caused my bank account to go negative. These payments post out of your bank account 3 days after being requested. For some reason this month they received payment In a matter of hours after my bank was closed. Customer service just read from their script and repeated the same sentences. The cards cashback option is not worth it if they can't be consistent with their payments.

Well just opened this account and already thinking closing it, I’ve had a cash transfer and a direct deposit already. Now I’ve tried the mobile deposit my payroll check and I get a email saying - “Mobile Check Deposit made to your account on June 6, 2024*. There's been a delay in making the funds from this check available due to: We have confidential information indicating the check may not be paid.” And will be releasing funds on June 14 2024. This is a payroll check the funds are in the account to be paid! Now I have multiple bills due this week and now looking at late fees because of this 8 day hold on my payroll check! I’ll be contacting the BBB, and also CFPB Consumer Financial Protection Bureau. There is no reason to hold my payroll check this long and cause late fees on my other multiple accounts. Unbelievable!

Worst customer service I have ever dealt with. I haven't had to use customer service until today. After 5 hours and 9 phone calls to verify a purchase and to have the fraud lifted off my card, it still hasn't helped. They said it shows on their end and that I can use my card. I only receive scripted response and they do not let me talk. I continued to get interrupted.

Please do not open a Citi bank account - Google Citi bank reviews and see for yourself on Google and reddit! The branch do not know what the online team does and the online team do not know what the branch team does. Customer service is offshore and is hardly able to understand requests. They have an history of closing accounts for absolutely no reason (seriously, they flagged transfers between my partner and I as fraudulent and my partner lost access to thousands of dollars for over 2 weeks!) and do not have any clue as to how to service their customers. Take your money elsewhere.

Citibank customer service representatives are extremely unhelpful and very snarky in their remarks. I called two different times in hopes of speaking to someone who could understand my question and give me some insight to where I could find this “fine print terms and conditions”. Apparently Citibank has trouble with transparency bc they told me the only place I could find this is wherever it was sent to when I signed up. The fact that I am unable to find this fine print on the website or mobile app or ANYWHERE is inexcusable. I am beyond frustrated and disappointed with the service and company. I will NEVER use citi again. I have used several different credit cards over the years and have never experienced customer service support as rude as Citibank.

I've been getting yanked around for a month trying to close out my account and get my money back. Their local branches are a complete joke. Just filed a complaint with the CFPB. Do yourself a favor and avoid this bank.

The customer service is nothing short of horrible. I can't get a straight and honest answer about a balance transfer. It has been 3 weeks, and still all I am getting is conflicting answers. Do yourself a favor. Use any other company.

The error was that there was a "temporary service delay, please try again later." Tried for 3 days to access my account. Called my folks who also use Citibank and they were able to get in fine. So I called the bank and they told me my account was locked due to it being compromised. As I write this review, I am still on the phone with Citibank trying to get access to my account and funds. I've been juggled by 9 of their Customer service/security professionals, and I've been on the phone for 3 hours and counting. The fact they did not alert me my account was compromised is enough for me to want to close with them. I've used them for over 10 years, but the way they handled my issue was sketchy and unprofessional. I'm closing my account after this experience.

Banking with Citi has been the worst experience I have ever had. Constant password changes, unable to speak with anyone by phone and when you do get someone on the phone they disconnect or hang up on you. My accounts were just blocked because of a system called "know your client"? Which means they want to know your source of income.. I sent them all my information, licenses, etc. (general contractor), they said it's all ok, then 15 days later they blocked my access to my accounts. I just got off the phone with them and they said it was a mistake and now my accounts are open. I like to pass on knowledge I have gained so others don't make the same mistakes I have. To anyone that reads this post... Withdraw any money you have in this bank 'today'.. Move it to BofA, Wells, anywhere but here...

Citibank is a horrible bank. I’ve tried to make online purchases from legitimate companies and Citibank will block the transactions saying they don’t trust the company. I’ve had my account overdrawn for insufficient funds and after balancing the account hours later. The next day they return the funds and allow the payment to bounce anyway. My account checking account has been compromised numerous times and their customer service is HORRIBLE. They’ve actually hung up the phone on me when attempting to file a dispute trying to get money back from Hertz which I didn’t authorize. Imagine that, a company charges you for an unauthorized payment and you contact the bank to get your money back for you, and the representative is rude and literally hangs up the phone on you. You would never experience this at CHASE. Also, you have to go through hell to get a representative on the phone.

Missing money! I invested a large some of money into a cd account with a 4.5 interest rate. I did this online via their app and was able to see my account via the app. I never received a statement and obtaining a statement was difficult when I went into the bank. First red flag. I received a call after 12 months saying my account had matured and I needed to close it and get my money or close it and reinvest. I decided to close it and get my money. I was told a check would be mailed despite my wanting it directly deposited to my bank account. I was told that was not possible because it was not a Citi bank account despite the fact that I electronically set up the CD with the same account. I was not told if I didn’t feel comfortable I could go into a local branch and get the money there. A check was mailed and after 3 weeks it was still not received.

I have been a loyal member of this credit card company since 2018, and I have always made my payments on time without any delay or missed payment. However, I was recently denied an increase of only $1000, despite the fact that I have demonstrated my ability to earn more money this year than the previous year. My credit score was negatively impacted due to my divorce, and I was hoping to use this increase to help improve my credit. It's disheartening to see that the company didn't think that a single mother who has served in the military and have been a loyal member for 6 years deserves a little help to get back on track. My experience with Home Depot's was highly disappointing, and I strongly advise against using them for credit cards.

Their motto is, “Citi is at your side before, during and after every purchase,” and they are picking your pocket. I tried to cancel a card with an annual fee weeks before it was due. They convinced me to convert to a card without a fee. Then they started a “process” that resulted in the $99 fee being transferred to the new card. I asked about that and they said I would not have to pay that. I did not and they charged me a late fee and interest. They made me pay the $99 before removing the late fee and would not refund the $99. They told me it would come in 51 days; then in a few days; then at the next statement date in May, when this started in March.

So, I paid my Macy's balance last month and received a bill this month for $2 for a minimum finance charge. I'm 55yo, had credit cards since I was 18 and never have been charged a finance charge fee for paying a balance off. Not a late fee, all my payments were on time and more than the minimum payment. I called Macy's and was told it was a charge because I didn't pay my balance in full the previous month...WHAT!!!! So, basically if you spend hundreds or thousands on a new wardrobe or school clothes and don't pay off the balance in full on the first bill you will be charged this fee. Total bull!!! I will never shop there again.

This company is deceitful, dishonest, and should not be trusted with your money. They are a prime reason why people do not trust banks, and the entire financial system will atrophy and fade. They lured me in with a promotional offer, did not uphold their end of the deal, and now force me to jump through endless hoops while a 'back office' with whom I cannot interact, decides my fate. The ultimate example of corporate malfeasance, a gross display of incompetence, and a sad abuse of power.

I purchased very expensive alcohol through an online website using my Citi credit card. The merchant emailed me to state that they are out of product and would not be shipping the alcohol to me.. and that I can expect a refund within 7 days. After reviewing my bill, I realized that I had not been refunded. I contacted the merchant via same email thread, no response. I filed a dispute with Citibank who issued an immediate temporary credit. Within a few weeks, my dispute was closed in the merchant's favor. No explanation. I almost lost out on the window as they made no attempt to flag this condition to me -- I just happened to find out while perusing my mail. I had to reopen the dispute by printing the letter from citibank, signing it, taking a photo of it and then emailing it to them to reopen the case.

If there was a rating less than 0, I would give it to this Citibank on Richmond avenue, Staten Island, New York. I have been doing business with this bank for almost 20 years. and a few days ago I noticed some discrepancies in my account, I went today April 22, 2024 to ask about this matter. The young man who was at the entrance printed me a statement with the balance, I told him that I didn't want that. This young man was very nasty, rude, he told me that he didn't know, I told him to look for the manager, and he and another woman told me that there was no manager in the branch, which I realized that she She was the manager and that this woman, supposedly a manager, was too busy to assist me.

As a long-time Citibank customer since 1999, I recently encountered a frustrating and unacceptable experience while attempting to regain access to my account after moving back to the United States after living abroad for 10 years. On March 7, 2024, I visited the Citibank branch in Suffern, NY, to update my personal information, including my current address. Despite providing my passport, debit card, and PIN to the representative, who verified my identity and updated my details in the system, the process quickly derailed.

Terrible at everything and reducing credit line was the last straw. Paid the entire balance, received my crappy few dollars in rewards and filed a report with the credit bureau. Will pay my few dollars in interest with a different bank.

The absolute worst credit card company I have ever dealt with. First credit card I have ever canceled in my life. The customer service people just flat out lie. Over and over they would say something and the next agent would come on and say the opposite. It is such a shame American Airlines is associated with this card. I had big dreams about accumulating miles and enjoying the benefits of the card and thier affiliation with AA. Worst customer service, worst online chat, and just plain bad. PLEASE AMERICAN AIRLINES DUMP THIS COMPANY. I WANT TO FLY WITH YOU!!!!

The attitude I received today was uncalled for. I've called twice and both times they are incredibly lost and confused. For example, I made a balance transfer to the Citi credit card in question, and the first bill showed the payment I was told I should expect, around $100, but the second billing cycle it showed the ENTIRE AMOUNT AS DUE IMMEDIATELY. I called them and asked what on earth was happening and they said not to worry. Well sorry Citi, every consumer would worry when presented with a bill like that after being promised it would not be a reasonable payment schedule on a reasonable balance transfer. (Yes, I read the fine print multiple times and Citi made an enormous error).

I have tried to contact them at least 10x regarding a dispute on my credit card that I won. Citibank never gave me the credit. They took away the conditional credit and never entered the real credit that I got the vendor to give. No one speaks American English and all customer service agents, if you can get one, speak on top of you and do not want to be silent and listen. I asked them to stop talking several times but no. I asked to be transferred to someone else and I was just left on hold.

Applied for a balance transfer card, filled out online application, they messed up, sent it to a physical address that's not a mailing address, called in 28 times in a month and a half, each time they assured it was fixed. They had information in my application I never gave them and each time I was given excuses, been hung up on several times after spending hrs on the phone with them. It's been almost two months still haven't gotten a card and after they wasted hours of my time I will not work with Citi ever again, full of incompetence