Citibank Reviews

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

They basically had me provide details and proof of reasons why I'm filing a dispute. So I sent in paper with details and conversations that I had with the people regarding the bad business they did by lying and con me in purchasing a product. Long story short provide proof from the dealership stating that something was serious wrong with it. Only to have Citibank tell me I have to contact the person I dealt with which I've provided messages with me trying to talk to them so just to say they'll allow you to get scammed out of your money and won't help you get it back.

I have never been negligent on any payment to my credit card with Citibank. They decide to cut $1700 off my limit leaving me with $200 space. I immediately paid the card down further. It is poor form and customer relations to do this to a customer who pays and is never been late on a payment. I do not intend on using this bank or service when I pay the card off this month. I do not recommend Citibank or their services to anyone.

1. The Citibank and its Credit service: It is so weird, terrible customer service. It is the place that scammers creating bank account with fake identity. I lost 4000 $ because scammers in this bank. I report to police at Dudley Branch but scammers were not able to catch since they have fake account. I was finding a job online. Then some one requested me to submitted application. They said accepted and said, "We have sent you job starting fund to buy infrastructure such as table, computer.... The fund was written by citi bank." I deposited to my account then my account becomes negative 4000$. They take all my money from my account.

Citibank unexpectedly closed my account of over 30 years without any reason. When I tried to make a deposit, my card didn't work. Apparently, my account was being cancelled. The teller stated they couldn't do anything at the bank and advised me to call customer service. However, customer service told me that neither the representative nor the supervisor could help and that I should see someone at the bank, giving me the runaround. During my visits to the bank, they always tried to persuade me to enroll in long-term CDs. But when I began withdrawing money, that ceased, and now my account is being cancelled. It seems they need your money to lend to others.

I tried to pay for two months on debit card from my account and I gave bank account info as well. They took it and kicked it back out. I pay all my stuff for with the debit card with no problem! They charged me late fees and harassing calls. They ruined my credit for damn late fees to make them move!!

Poor Service. My requests were consistently unfulfilled. On two occasions, my account was inexplicably blocked without prior notification, leading to dire consequences such as the inability to fulfill rental obligations, necessitating recourse to borrowing from acquaintances to avert potential homelessness. From the inception of my account with Citi Bank, I encountered persistent difficulties with Zelle transactions, as well as withdrawal and deposit procedures. Given the considerable distress I have endured as a result of these circumstances, I believe I am entitled to a comprehensive reimbursement to mitigate the damages incurred.

Very bad experience. Try to make a payment on the phone and computer didn't work. Had to pay a late fee 'cause they didn't have a real person on the phone line, just a recording that you can't understand and just hangs up on you. Their website didn't work. It kept freezing.

Citi Bank is so arrogant that they don't even provide the old fashion phone number to activate a new credit card. And, their website to activate doesn't work. I will cut up the new card and cancel the account. This bank is terrible. Shame on COSTCO for partnering with them.

We couldn't close $0 balance credit card account. Lots of stupid questions by hardly understandable English of the agent. I finally lost my temper and just locked the card online. I have never had any account in this bank except a one 0% credit card for the balance transfer and never will be back to this "service". I doubt they have anybody knowledgeable in finances outside of the buildings.

BEWARE of the Costco Citi Visa Card!!! As a customer that keeps credit card usage at 30% or lower to keep credit score high, I am very UPSET that the Costco Citi Visa decided to lower our Credit limit to just $100 to the Limit. With NO REASON.... I immediately checked our credit monitoring to make sure all OK and found that our scores had gone up in the last couple of months. They now have lowered our scores by doing this. I will be paying this card off and freezing it. I will also not be renewing my Costco card.. Beware of this card. The rewards are not worth it..

I had opened a bank account but never received a bank account number. When I called customer care about linking this account to my online account, they asked me to wait for the debit card to arrive. When the debit card arrived, I tried to activate it but it mentioned that my last four of social is wrong. So I called customer care and they want to verify me and said they cannot use my phone number as it is a new account. They asked me questions from the public record which are not relevant to me at all and failed the verification. I asked them to close my account and they said they cannot.

Today I closed my accounts with Citibank. I want nothing more to do with them. Prior to Xmas I arrived 2 minutes after 4 at the bank to deposit cash. I was teaching my 9 yr old son how to bank. B/c they had already closed I decided to teach him to use the teller. We were depositing 1,000 (all in $100.00 bills). We decided to do it in two transactions of $500 dollars…to be safe. My son is bright and already uses credit on his own. I gave him the first $500 to deposit. The machine took the $500.00 and spit out 2 of the 100.00 bills. The machine did not register the $300.00 into the deposit, showing $0.00 had been deposited. My son says “OMG, it stole our money!” We knock on the window and a very rude lady tells us through the glass that “we’re closed!” I told her what had happened. She says “oh yeah those machines have been acting up lately.”

I applied for a mortgage with the Home Run Loan program and was approved after initial underwriting. On the last day of a 45-day escrow, I was told I did not qualify because my income was too high. They offered two other loan options, both with higher fees and monthly payments. I had to cancel the sale contract. Sellers kept some EMD. After that and inspections, fees, I lost over $5000. Citibank refunded my loan application fees, but refused to take responsibility for my other losses. The two new loan options were much more expensive in both fees and monthly payments, and were not comparable to the original loan through the Home Run program. I thought that since Citibank was a big organization, I could trust their loan process. But I was very wrong. I was led to believe I qualified for a loan through the Home Run program, but at the last hour the loan offer was revoked and replaced with options of two more expensive loans.

I have had a Home Depot card since 2014. I have never been late on payments and almost always paid my full balance. After three years of not needing to use my card, I am finally ready to start upgrading my new condo. My card was closed yesterday. Citi card has no idea on how this action affects my credit score. Do they know how it works? How the math is done? When contacting the representatives, they only say that their policy is to close the card after one year of inactivity yet their records show I have not used my card since 2021. They closed cards arbitrarily without any regard for the average consumer.

Why is Citi Credit Cards outsourcing their customer service but still having a computer answer the phone which takes 15 minutes to get routed to where the customer needs to go? By the time we get through the AI hound to a human being, if we were not already frustrated, we are furious at that point. Horrible! They are saving so much money outsourcing, at LEAST have a human answer the phone and route the call.

I tried to go with a bank that allowed me to use their branches while traveling and living abroad. Opening the account and getting the debit card was an easy process, but the access/account verification once I received the card was not going through. For almost 3 weeks, I called customer service, the number on your website, and they couldn't help me. I called again; then they gave me a number that, when I called, was no longer in service. There's a big disconnect with your customers, from what I can tell. My experience, specifically with your customer support team, was disappointing. So I went with Chase Bank and everything is good to go. I wanted to use Citibank, but the customer service was the worst experience I ever had. I'm also a very patient person and didn't yell or talk over your reps. Maybe it's a weak link due to improper training?

I just inputted the activation info for maybe the 700 billionth time and it loves to log me out 4 seconds before I'm finished "due to inactivity." I'm still working! I have never had such a poor set up experience in my entire life.

I have been in a battle for 7 months with Citibank over their fraudulent thank you rewards program! In June of 2023, I attempted to redeem my rewards for cash as is part of the program as advertised by Citibank! This resulted in 7 plus months of red tape, lies, promises, hours on hold only to be disconnected, a wild goose chase, to no avail! This is bank fraud! Citibank is a sleaze ball operation! Don't ever bank here!

They froze my account. Would not say why or fix things!!! Additionally they charged me 100.00 to do this. 2 hours on the phone and I have to drive 1000 miles to a branch to get my money!!!! They disconnected calls, hung up and refused to put on a supervisor!!!!

So, I received multiple e-mails and paper offers to open a Citi checking account to get $200 bonus. I did an application online. It is surprising to see the detailed questionnaire that appears to be very intrusive beyond the common ones I've ever seen. Once it was submitted, the application was rejected; no reason was given. So, I tried another time with the thinking Citi obviously "likes" certain answers just for opening a basic account. It was rejected again; no reason was given. From the clues of the questions it asks, it obviously likes to have high monthly deposit customers and certain preferences for wire transfer. The details in Citi's questionnaire is blatant, astonishing. Stay away from Citibank. It is a scary, unsettling experience dealing with them.

Promotions are a lie, I was offered a $100 to open my account but because I received military discount they didn't apply it or let me know they were not going to so I called and they still wouldn't, very disrespectful to vets

I have been a Citibank customer for 15 years. I have excellent credit, never missed a single payment on this or any other bank, don’t carry over balances etc. This year citi bank lowered my credit limit twice; just called and cancelled my card. If this is how you treat your best customers, regardless of what you are trying to do in the back end to improve your credit card business, is doomed to fail. Shameful practice.

I am a victim for theft one evening. I work for Uber and had a long drive out to San Bernardino County, CA from LAX. After Dropping off a passenger, I needed to use the restroom at a gas station. I left my wallet inside the restroom. I didn’t realize I left my wallet behind in the restroom until the next few hours. When I got home I called to the gas station. They said it wasn’t there. I called to Citibank to file for fraud. They had investigated my case. Mind you I had file police report. Citibank investigated and they say that they would contact me by mail with a physical letter.

Citibank is run by a bunch of crooks and liars. Check out their reviews. They are the worse. I hope this and all the bad reviews close these idiots down. Had a Drive card who use Citibank, and they closed my account because of Citibank.

Savings account: wanted to add joint account holder on my savings. I was told it had to be done via joint call; call done where that person was interrogated for job history, salary, etc (for a savings account). This is to merely get paperwork - paperwork never came after starting process since 11/6. Finally got paperwork but it was for beneficiary add instead of joint. Several calls made, conveniently disconnected... Exec office call after BBB complaint to state they heard the calls, heard the joint call but because the Rep didn't hit submit button all that needed to be done again (yes they could actually hear the recording). Exec office who stated she is the final line before the CEO would email the proper documents and didn't follow through.

Friday the 24 I did take out 1500. The next day the 25 I tried Taking out 700 and got declined saying "you exceed your limit". I was like but it's the 25th already, passed 24 hours from the previous transaction; I call customer service twice, what a waste of time.... I was told that unfortunately I couldn't take money out till further notice, that could only do online transaction, leaving me with no answers "my own money" unbelievable. 1 less customer to this organization plus I will tell family and friends about this so they don't be next.... Horrible services in general....

I was searching and comparing cards specifically for the purpose of a balance transfer. Citibank credit card had great offers, a year with 0 APR, balance transfer, credit card amount offer that would cover the entire amount I was trying to transfer. Wonderful. Here's the problem: you can't use it to do balance transfers unless you are "selected" and receive a separate balance transfer offer from them. It's been over a year now, so the 0 APR on purchases has come and gone, and the balance I've been trying to transfer has continued to accrue 13 months of interest. I check the account weekly and attempt to do the balance transfer, click on the "start a balance transfer" option, and every time find the message that I have "no balance transfer offers available at this time."

Balance transfer w/ Citi by checks completed on 10/25/23. 11/17/23 notified going cancel check. I Called # on back of card & asked me for my bank act info wanting to transfer $? Transfer not cancelled?

I have spent over 1 hour and 50 minutes been switched from one department to another. Hung up on twice. Now after holding again for 43 minutes the person answers and tells me to call back during business hours. This is related to a fraudulent charge on my Citibank MC. I have contacted them several times over the past 90 days and they tell me they will look into it. I continue to get collection calls and now my credit score has been reduced by 67 point because of past due payments on charges I did not make. Beware if you ever have problems you will get nothing but the run around from Citibank.

I've been with Citibank for over 22 years. I'm currently experiencing a massive fraud situation with Apple Inc. Citibank has continued to allow these unauthorized charges to go through. I'm disabled and on a fixed income and they are allowing this to happened to me. I just received a notice from Citibank defaming my character and it states, "Since you have accepted responsibility to the transactions, you will not be reimbursed." They are working with Apple to discredit my worthiness. I expressed to them that I am victim of identity theft, and I was ignored. This is so dishearten. I need help. I have reported to them to all the agencies that would help me and nothing as of late. Citibank is the worse! They allowed Apple Inc to steal over $1200 from my account.

I ACTUALLY HAD TO SUE THEM, AND WON. The worst possible experience with their dispute section, rude, abrasive, actually yelling at me. They received a credit memo from the merchant, Citibank made an error in the amount, I asked them to correct and refund me the correct amount. They simply said no, and wouldn't refund anything ($1500), said the dispute was closed. After more than a year and hiring lawyers, they paid $2500, $1675 to me and remainder to lawyer. What a despicable way to treat a customer of over 20 years, never a late payment.

I opened my accounts with **ibank in 2000 and have been a customer ever since and have multiple accounts with them: investments, mortgages etc. As a Citi Gold client it gives me the privileged position to see just what an awful organization it is. They passed over my loads to CENLAR - a truly dreadful collection of people calling themselves a company. I complained to Citi and went higher up and they were too busy to call me back. I will be taking my business elsewhere.

Trying to talk to somebody because I received a letter telling me that they were unable to approve a personal loan that I never applied for, they told me to call 3 different phone numbers, in all of them the person who answered the call hang up, incredible.

Having been card members for 7 years, my husband and I (always paid our large balance each month in FULL ), expected to be treated with some understanding and protection when fraudulent activity appeared on our account. After all, this was our primary credit card so all charges went to Citi. In fact, we received the opposite. Our account was abruptly closed without notification. Depsite attempts to refute charges Citi would not re-instate the account and in addition withheld a credit of more than $700 posted to our previous account which they had closed. They also withheld paying us on the value of the over 70,000 Thank You points we earned as card members. They are dispicable! Lastly, I was on a call for 6 hours trying to resolve these matters but they did nothing. DO NOT use Citi Bank. They are criminals and will NOT protect you when needed!

Citibank is terrible! Their customer service representatives do not speak English so good luck with trying to get help! I’ve had to wait to get access to MY FUNDS because they don’t understand English!!!! Not even that. Don’t expect to get an early direct deposit. It will always come on Friday! I absolutely hate this bank. Please stay away from them before you go through what I’ve been through this past week. I’m still awaiting a verification letter in order to get my account unrestricted.

Tonight I canceled my Citibank card after two months of improper billing, charging late fees, and false reporting to the credit bureaus. My credit score was nearly 800 and dropped over a hundred and twenty points in one day due to the inaccurate reporting to the three credit bureaus. After multiple calls were disrespected, one Middle Eastern man yelled at me for ten minutes, and another non-English speaking woman told me they would correct the matter. Then, she sent me a letter stating that I needed to contact the credit bureaus. This all happened as we started purchasing a home! This company is not reputable, or honest, and lacks any customer service skills. NONE! After I canceled the card and explained nine times- they wanted to know if I wanted to apply for a new one. Stay clear of these crooks - they have destroyed our credit, and now we need an attorney!

I needed to call customer service for an alert that came to me. I have over 20 years of customer service in a leadership role and have dealt with many different languages around the world. I am bilingual myself. Unfortunately, I did not understand the person I was speaking with. It took twice as long to take care of the issue. It wouldn't have taken as long if we didn't have the language barrier. She also repeated herself over and over.

In short …very non-compassionate reps who do not speak English well and/or they were not a person at ALL more like A.I. Conversation which ended badly with the Customer Service Rep. “talking down to me, until I had enough then hung up”. I was extremely offended to say the least and I will CLOSE ALL of my CITIBANK BUSINESS because of the low treatment - of this ** Veteran. Smh.

Very poor customer relations in Bakersfield Ca. Stockdale branch manager Mouna ** very unprofessional. She made up bank policies but was unable to produce said policies. She refused to look on Citibank's own website which described what Citibank would do but she refused to do.

I purchased a wine club membership using the card and the company never provided the services. I contacted the company first who kept promising they would refund the money. Which they never did. I disputed the charge with Citibank. They immediately cancelled my card saying the company was a fraudulent company and said to send them all the proof of correspondence, which I did. They denied the dispute because of the time that had passed (me trying to deal with the company directly) despite all the proof of them promising to refund the money. They would not re-open the case and would not listen to one thing I had to say. I cancelled the card and will never do business with them again. I had had the card since 2004. They do not back their customers.

I started a new account with Citi Bank on their website. Tried several ways to transfer funds from my external Bank to the new Citi Bank, after receiving physical Debit card. Having no success, I finally reached someone on the CS number. I was told that I could do it thru any Citi Bank ATM. After spending money to go to 2 different Citi Bank ATMs, neither TOOK DEPOSITS! I called to complain on 9/29/23, and to cancel my new acct. later that evening I saw that Citi Bank had accepted 20 cents from my present bank, which was sent as a Test to verify my Citi Bank account was valid, as I added the Citi Bank Account as an External Bank. However, Citi Bank lists that same bank card and account "INVALID". Wednesday of this week, I received a New Debit Card from Citi Bank, with the same Funding instruction.

So Citibank can force me to pay off my credit card that I closed earlier this year but they can continue to lie about and deny me the $199.95 that was fraudulently stolen from my bank account back in late January 2023 while I was out of town?! Even after I provided Citibank, at their request, a copy of a police report I filed back in mid April 2023 during a business trip to New York City! Where is my justice!!!! Citibank reps even lied to the NYPD detective that helped me filed the police report!! Don't deal with Citibank!!!!

I had a 12090 credit line I paid a 10,000 payment. I woke up this am and my credit line has dropped to 2300. I chatted with Luke from some Country. He said because I had made this large payment that my credit line was dropped until payment investigated. I've paid acct off before. My credit line will go back up Oct 18. I wasn't notified of this. I was trying to book flights for a cruise. I closed my Citi acct. Capital One never does this.

I was told I was approved for a 50% settlement and they tried to take payment. I asked for confirmation email. They could not send but claim they would send letter by mail. I never got letter in mail. Called back and was told settlement not valid. They tried to scam me.

Worst most ridiculous company ever!!!! 3 hours of foreign reps every call. Website doesn’t provide real time data on transactions! I’m a business owner with over 20 years of history and 5k per month paid in full in transactions and I cannot get normal customer service without incompetent service people, dysfunctional website and lack of financial control over disputed charges! Worst credit card ever since they outsourced!!!!

I have been with Citi for almost 15 years and I have had my account compromised a few times due to fraudulent activities. Recently it was compromised for the 3/4th time and I had filed a dispute for 2 transactions with Walmart of almost $700. They gave provisional credit and they said investigation can take up to 90 days. I had to call Walmart to ado for their assistance and they said they had sent all documents to my bank and noted it was fraudulent because they saw my card was used and other than my billing info the rest of the information was different. After 2 mos disputing they said they sent me a letter wanting me to fill out and send back to provide to Walmart of my reasoning as to why they are fraudulent. I only knew that after going back and forth with citi customer service over the phone. I also had go to a local branch since I was getting nowhere with them.

Worst customer service and it’s not even close. Being on the phone with them will give you an aneurysm!! Card keeps on locking, and I’ve been trying to close the card for over a month but they won’t let me because “they can’t verify me” … Makes no sense! They want to verify me with cards from other banks. Hell I’m even willing to give those up if they commit fraud on them it’s still better than listening to them … but they can’t decide which card they want! I’ve listed 5 and they keep saying that’s not the 3rds party card they are looking for. You can’t make this up!

I called the bank to see why transactions were declined. I got a fraud alert by email from them. I tried to tell them about the fraud alert. They said that they would send me a letter but not close account and send another card. I couldn't believe it!!!! I have reason to believe that someone has tried to use my information and they won't do anything except send me a letter! Worst service I have ever had. They don't care about protecting the customer.

Citibank denied a dispute ignoring evidence presented that showed merchant conducted two unauthorized charges. After pointing out their flawed logic, they still continue to refuse to take responsibility for unauthorized charges, as they are legally required by their own cardholder agreement. I have learned that my money is NOT safe with Citibank.

My account was locked by Citi. I called and spoke with someone in India who gave me a playbook, disinterested, and somewhat rude response and told me it would take up to 4 days to resolve. After pushing hard against the nonsense, I spoke with someone in the US who resolved the issue in 15 minutes. Then two paychecks from different employers were received by Citi but not deposited in my account on the same day as the temporary lock. The team in India said it was the fault of the separate employers (one check each), and not because of Citi's temporary account lock. I explained that their position cannot be correct (reasonably, it makes no sense, we've been doing this for literally years) and Citi would not budge. Now I have to hope that the two separate employers can resolve the issue or perhaps stop the checks and issue new ones.

I have been trying to get my accounts transferred, have provided all the documents including 'notarized' death certificate of my husband and have received no reply to my emails or any help from Citibank in the recent months. I am now worried about my accounts and my money. Need help urgently from someone at Citibank responsible for their India operation.

I had purchased what I thought was an authentic YSL Kate Tassel bag back in December from Lord and Taylor online retailer. The bag was a fake. After submitting proof from 2 separate authentication sites/persons they granted me a temporary chargeback only to take the money back about a month later. Since this bag was counterfeit Lord and Taylor is violating Federal Counterfeiting Laws and I am entitled to a refund without sending that piece of garbage back. Citibank has Counterfeiting chargeback code (4853) that they can use to refund my money.

I have had nothing but nightmare after nightmare just trying to use my own money to buy a car. They messed several transactions costing me to to lose $5k for almost a month. They never helped recover my money. I got nothing but run arounds and lies telling me they would mail me this and notify about that and never did. I had to go to the dealership and handle the dispute myself in order to get my money back. This bank again has horrible customer service most of them barely speak English well enough to understand they do not help and they make it very difficult to use your own money. They are playing with people's lives when it's more than $500. They should do their job and help their customers.

Worst bank I've seen in my life. They closed my account because I deposited a check under my friend’s name, my friend and I signed it. They closed the account and froze all my money for more than two months without a reason, or an error occurred in the cheque. Why did the rest of the money freeze and I lost a lot of buying a house because of this reason.

I attend college outside of the United States of America, and was advised by several people and institutions here in the USA that Citibank was the best card for large international purchases. Instead, it has been unmanageable chaos for the last six months. For the first two years, and most of the third, I was able to pay my monthly tuition easily and with no issues. Suddenly the payment stopped going through, and I had to spend over an hour on the phone getting the last three payments through every month, and now Citibank is refusing to let me use my card to pay, stating that it is the College that is having difficulty, even though they (Citibank) fully admit that they (Citibank) are the ones who cannot process it.

This bank is the worst bank there is. I opened my account 2 days ago. I'm a ** hard-working business owner. I opened a personal account and soon as I deposited the account they closed my account. I deposited $1500 in cash in the account. I was going to deposit 3000, thank God I did not. They stole my money, closed my account and the customer service center is horrible and can't explain to me what's going on or why this happened, no notice, no nothing, no warning, no reason, just stole my money. The next day I had a appointment to open a business account with them, I will not be giving them my business at all. If you're a minority, stay far away from this bank far away. They will take your money, close your account without reason and fight on giving your money, stay away. This bank is ran by thieves...

All I wanted to do was close my account and it has been next to impossible. Their online app makes it almost impossible to add money to accounts. I can’t say anything about the business itself but online services are extremely horrible

Insufficient Verification in place for customers with no US phone number. I have a checking joint account which has been dormant and for which the bank charges $30/month. I decided to transfer the balance and close the account. Since the first attempt I made multiple calls, spent over 10 hrs, was hanged-up on, and was told that I cannot be verified as I do not have an American phone number. I am a Canadian citizen with a Canadian mobile number that all Citibank employees with an exception of one employee from the Fraud Dept. could not reach me. I was told 3 times that the transfer is OK to go through only to get an email that it is on hold and I need to call the bank for verification. So, I called again only to hear that they cannot verify me with my Canadian phone number. I was also told that my September bank charges will be waved but when I logged in, the wire transfer appeared on hold and the account had a negative $30 charge.

In June 2023 I opened an online savings account by depositing a check to me from a 3rd party. After processing the check Citibank determined it to be fraudulent and blocked my account. I spoke to the issuer of the check who informed me the check cleared the bank. Citibank is now holding the funds until they speak to the issuer of the check. I have gotten the runaround from Citi and even though they have the funds they will not release them until they speak to the company that issued the check. It has been 3 months. The amount of the check is $815.00. I will not ever recommend them to anyone for any online account. Their fraud department is the worst. They are not even offering me an explanation why they are holding and not releasing the funds.

Been a card holder almost 9 years. Got an email today with a notice they cut my credit limit 9k with no reasonable explanation. Called spoke to a supervisor and they did random credit check. Never have I ever heard of this!!!! So with no explanation I told the supervisor close my account and I’ll do business elsewhere. Not to mention the supervisor did nothing to help or offer anything. Citi is garbage.

Over 400 unauthorized Google Play charges in less than two weeks without notification. Worst credit card ever. Forced to pay. Referred to Don't do business with Citibank. They have been impossible to reason with. Looking for a class action for their practices.

I opened a personal check with Citibank. I never received my new checkbooks. At some point later on someone wrote a check for $550.00 or so. I contacted them by phone. They told me they needed to open up a new checking account and close the other that was compromised. Months later one deposited a check into that old account that Citibank never closed as they told me. Now they put a block on all of my accounts and told me they will be closing my accounts in 60 days. Ms. ** from the fraud department on Aug. 25, 2023, told me I needed to go to the branch where I opened up my first account. Please be careful doing business with Citibank. My experience with them has been horrible.

I have been banking with Citibank for ten (10) years. It has become one of the worst banks ever, poor services, Philippines customer services with crying babies in the back, poor banking services. I finally quit banking with them as they not only charge for banking but the services are so bad that there is no value for money. In Massachusetts they closed all branches from one day to another but even their customer services does not know this and they refer you to go into their branches. Worst bank.

Really disappointing customer service. Sequence of events:- 1. Aug 7 - Customer service representative says that issue is resolved. 2. Aug 16 - Customer service representative hangs up the call. 3. Aug 16 - Customer care representative says the information given on Aug 7 was incorrect and they cannot do anything about it. This is 100% bad experience. Being a customer for 10 yrs never expected that I will have to write this. Pathetic & disappointing.

Got this card for my wife to get her some credit started in her name. They only gave her $500 limit, but I figured you have to start somewhere, and it would be raised later on as she used the card. I pay it off as soon as she uses it to make the credit available asap so she can keep using it. CitiBank take the money out of my account within a day or two but takes weeks to apply the funds back to her account. It shows paid but it also shows her credit limit depleted even though they have taken the funds out of our bank. Don't bother calling customer service because the calls go outside the US to reps that speak broken English and are as useless as customer service can be. NOT WORTH DOING BUSINESS WITH.

I called Citi to cancel my husband's ATM card after he passed and they said they could only block the whole account, not the ATM card specifically. Since it is a joint account and I still needed to receive paychecks in his name, the account is exposed to fraud risk and knowing Citi, they will probably try to contact him on his dead cell number if a fraud instance does come up. I hope someone at Citibank's risk department sees this review so future widows don't have to deal with this.

I was offered a promotion to open a checking account, meet the requirements of making multiple deposits and use my ATM card for $1000 of purchases to get 60,000 rewards miles. The deal said after meeting these requirements, WITHIN 30 DAYS I would have these miles credited to my account. I accomplished all these requirements, which Citibank agrees, to not be told that the wait period is 90 days! That was not the deal I was offered! I made travel plans based on having these miles, which will now not be available to me. I have escalated to the bank and they just keep making up new rules without honoring the email promotion I received.

My wife and I opened a savings and checking account. The next day CitiBank closed all accounts and are holding our funds for at least 30-60 days. What a nice scam! All’s we did was transfer funds from another account. We have talked to numerous departments and went down to the local branch. They simply quote their policies. I ask what policy we broke they can’t provide that information. Although by law they must provide that information. We asked for documentation on their policies that we broke. Again they wouldn’t provide that information which is also required by law. I hope the government will start an investigation on what is clearly fraudulent. In the meantime until the CitiBank returns our funds we cannot provide even basic needs for our children. Just a reprehensible organization and I hope this review will keep others from experiencing the same situation.

Website said open a checking account and found the account within twenty days and maintain the balance for 60 day to get a bonus. Called Citibank to confirm the offer at the time of account opening but after six months of maintaining the account balance, was told by the banker no bonus offered.