Citibank Reviews

Citibank telephone customer service is inefficient because the representative are ignorant and have a room temperature IQ. If you have a choice of banks do not use Citibank for this reason. In addition the representatives are rude.

Open an eligible Checking Account from 4/5/23 - 7/23/23 and earn a cash bonus of $200, $500, $1,000, $1,500 or $2,000 when you complete required activities. To unlock your bonus, deposit qualifying funds within 20 days of account opening and maintain your balance for an additional 60 days starting at the 21st day. Only new checking customers can take advantage of this offer. THIS IS ALL FRAUD. AFTER YOU MAINTAIN FUNDS, THEY WILL SAY PROMOTION CODE IS NOT VALID

I have the AA Advantage credit card with Citi, I got this card for airline purchases and to gain points with American Airlines. I had a flight cancellation while I was at the airport and when I tried to purchase new tickets (the whole reason I have this credit card) it was getting declined. I was told it’s because of the size of the purchase and they were trying to protect me from fraud but when I’m on the phone with them they could not verify my identity for whatever reason and told me I had to wait for a letter in the mail in order to verify my identity and continue to be able to use my card. I ended up having to use a different credit card to make my flight purchases. Do not use this company. Their fraud protection service is a joke and you will regret it!

I signed up for a promotional bonus of $500 to which 9 months later I still do not have. I called for the fourth time today in 5 months. The last person I spoke to was a supervisor who insured me I was compliant and should have received the bonus so he expedited it and I was suppose to have it in a couple weeks. 3 months later, still no bonus for opening a checking account. Today I close my account along with my credit card, I can not trust a bank that operates like this. And one more thing I had to call because my account kept disappearing from online and I had to call twice to troubleshoot to no avail. Never again.

If I could give negative stars I would. Moved to the country 7 weeks ago. Have a joint bank account with my husband. His account card works, mine does not. I am up to my 5th card. They keep telling me that there is no issue. When you call, you have to be verified - fair enough. First they ask your card number, then they ask for the last 4 digits of your card number - despite just giving them your full number (last 4 digits included), then they ask for your account number, then your name, then to list all signers on the card.

I have been with Citi since 1998 (I will no longer be with Citi after this). I initiated a wire transfer (online) early Friday (I have wired funds in the past without issue). The wire appeared to go through. On Saturday, I received an email telling me my wire was on hold, and they needed to verify information. Spent a ton of time giving them information such as what the wire transfer was for, how I received my wire instructions (literally, who gave them to me and how), how many computers I use to check my account (the wire was going to Bank of America, to an American company in California). They did not even credibly verify my identity, but, given the probing questions, I confirmed it was Citibank. I finally get confirmation that the representative will contact the Fraud department and have the wire transfer finalized.

Updated on 07/05/2023: I'd give this bank credit card a minus 5 if I could. After being told 3 times that a dispute that I had closed was reopened (3 times) without anything being done. I finally called the dispute department (after many requests for a phone #) and they told me that the online chat never did what they said. These chat people are offshore and DO NOT UNDERSTAND AMERICAN ENGLISH! Frustrated at best it took over 6 weeks to get my dispute settled in my favor since I never received what was purchased. I was so shocked that I locked my card and will probably close it down the road due to THE WORST CUSTOMER SERVICE I HAVE EVER EXPERIENCED FROM A CREDIT CARD COMPANY!

I opened an account that they closed due to a check deposited. However the account was not closed like they told me and 6 months later my son's DOL PUA check was deposited. They lied about having the funds and when I demanded verification the funds were sent back to the DOL. They admitted to having the funds. However they would not release the funds. After 3 years I still can not get his money and they took the funds out of my account and put them into their account. I have proof anyone wants it **. My son tried to commit suicide after he was unable to pay his car payment and lost his tools and apartment. I blame them for his mental state and want to see them answer for this crime. Email me **.

I opened an account with Citibank. Been with them for almost 4 months, but this week my account was frozen and it has been "under review". Was told it would take 24-48 hours, but it has been 4 days now.

Very bad online system to use, has unprofessional customer service (average 5 calls to get things done properly, hard to understand their English because Indian accents), and don't keep their promotional awards. Trip customers into money pool and hard to get money out. Would not recommend it.

I am traveling internationally and opened checkbook for promotional offer and to have debit card to use while traveling especially to a single country. They did not honor the promotional deal after I opened online as instructed and then I found out this week that the country I will be in no longer has Citibank ATM’s so I end up having to pay the international fees using other banks. You get a robocall answering machine when you call and it is very difficult to get a human being on the phone for support. I do not advise anyone to use Citibank. They are a total scam bank.

I recently applied for this shitty credit card and regretting now as I tried using this card to book airline tickets and it refused to do it and put a fraudulent alert on my account even though I put a large purchase notice in the system.. After doing multiple calls to the customer care they basically follow these useless steps again & again with no luck validating- 1. Do you have any other credit card that we can use to validate? 2. Any other citi checking account or debit card - It does not work either. 3. Alternate phone number- Why would anyone have 2-3 different phone numbers. 4. After all these failed, they send you some physical letters which never arrives in your mailbox.. I have been in lookout for that letter since long and I never received it.. This system is totally ** up.. Save your time and do not apply for this credit card.. I have other different credit cards and they have no such ** issues

Although Citi was still refusing to honor the promotional bonus during our last phone call, I am delighted to discover the promotional bonus appeared in my account this morning shortly after I reported to Consumer Financial Protection Bureau (CFPB) last week. I am happy this finally got resolved.

I asked to have my account closed twice and they didn't execute the request correctly, then charged me an annual fee again, and would not waive the fee, so it cost me $99 to close my account. Honestly, still have no confidence that it is done correctly now. I would not recommend this financial institution to anyone for anything. There are just too many better options out there.

I recently had an experience with Citibank's customer service while trying to resolve a denial problem with my new credit card. Unfortunately, the level of service I received fell far below my expectations, leaving me feeling frustrated and dissatisfied. One of the major issues I encountered was the lack of effective assistance from the customer service representatives. It became apparent that they were located in another country and seemed unfamiliar with the necessary protocols to address and resolve the issues at hand. This made the process of resolving my problem unnecessarily complicated and time-consuming.

Applied for card from AA site, was suspose to get account number to use on aa site did not. Called aa and cut and they said we had to wait 10 bus days to get card and use it. By then flights will be gone. I can’t believe people pay 99 a year for this kind of service. Went to Capital One, got a card and access to use it within min. Don’t use Citibank

I got my first business credit card through Citibank to help move money around. The time to use it came up while I was in the middle of moving and needed to squeeze extra cash out to get an investment to make some money that week and I had to pay down a $500 to complete the $1000 purchase and come to find out the hard way that Citibank transfers take 7-10 business days. I ended up going into debt with the money being taken out of my account, payroll hitting that week and unable to complete the investment so no money was made either.

I sent the below request to the customer service center in San Antonio, Texas on March 22 and have not received a response. I then sent the same request to the address on the 1099 in Long Island City, NY on April 17 and have not received a response. Maybe I will get a response by posting my issue as a review. I recently received the enclosed IRS From 1099-C Cancellation of Debt for account number for calendar year 2022. This account was closed in 2019. Therefore, there could be no cancellation of debt in 2022. Furthermore, when the account was closed, the outstanding balance on the Checking Plus was 0. Therefore, there was never a cancellation of debt at any time. Please issue a corrected Form 1099-C and notify the IRS that the amount of debt discharged is 0 so that a Citibank error does not result in paying income tax on non-existent income.

I opened an online CitiBank Savings account to take advantage of attractive interest rates. After opening the account, I made two deposits on separate days, one for $1,000 and another for $10,000 for a total of $11,000. The life of the account literally only had those two transactions. After the 2nd deposit I was unable to access my account and was directed to their fraud department. During the correspondence I was informed the account was closed and not given any specific reason for the closure and it may take up to 60 days for my funds to be returned.

For starters they promised me for months that they would give me back my deposit for my secured card. Last week employee even took my bank account and routing info to deposit my deposit via direct deposit. I’m now being told that my deposit went to pay off my card and the amount I paid off was only late fees and interest, and that they won’t give me my deposit back. Yet why did they take my personal info last week? Seems a bit odd. Stealing customer's info and giving false information! If I was you I’d steer clear of this please! Go to a credit union!

I have money held in a high yield savings account. For whatever reason ... I cannot access these funds. No one at Citibank can tell me why. This bank is terrible. Too big. Sloppy. Outsourced Customer service to people reading from scripts who suck at simple troubleshooting and communication. I would caution using any of their banking products. They have very little means or manner of troubleshooting. You can in some instances run into trouble accessing your own funds.

Citibank is offering promotional checking accounts. I unfortunately signed up for one. I had clicked on the link that was provided on the promotional page and signed up for the checking account that way. I then called immediately after to verify that I was signed up for the Promotional Checking account and was told yes. I then deposited money into the new account and waited. A few weeks ago I called to find out if my account was earning interest and was told no because it was a promotional account.

I opened a Citi Savings account. I deposited 2 checks. Both cleared and showed as such in the statement balances. Then I received a notice accusing me of fraud (intention to deceive). I called the Fraud phone number and multiple times spoke with people with heavy East Indian accents that I could not understand. They never identified themselves. They could not tell me what I was accused of - said it was in the fraud process. They kept asking me for the phone # of the person who wrote the (missing) check. This seems suspiciously odd, nor am I giving out anyone's private information.

I have been struggling with Citibank credit card since they questioned a payment to a landscaper three days ago. This kind of thing happened many times in the past and was simply cleared up with one phone call. This time, after more than usual effort including multiple calls and elevation to a supervisor, they restored my account and allowed the charge. Yesterday, they refused a charge to the same vendor. Despite escalating up several layers of management, I was told I have to wait until I receive a letter with a code, probably taking 7-10 days. This means all my recurring charges, e.g. internet and insurance, will be refused for 7-10 days. When I looked online to see why this was happening after over twenty uncomplicated years with this credit card, I found the Citibank credit card business was sold to Axis Bank in India in March 2023. I’m switching to Barclays for my AA Advantage credit card.

It took almost THIRTY DAYS to receive my card in the mail. They would not review my application for the limit I was approved for, even though I called the same day I was approved for the card. Do NOT get a Citi card. There is more to this story but their customer service has worn me out. I am tired and frustrated. Heed my warning to not get a CitiBank credit card.

My mother was hospitalized on a ventilator for 9 months and had no way to move cash to CDs except online. Citi gave her no way to add beneficiaries and rejected mailed instructions. Now that she has passed away, my family is stuck in a long, expensive probate process to get these funds because Citi refused to lift a finger while she was still alive. No staff there at the branches or online had any idea how to help. Citi's inflexible, impersonal, cookie cutter way of doing business could not handle this situation, costing us thousands in legal fees. On top of this, we found out that they auto-renew the CDs of the deceased. I would not recommend Citibank to anyone.

I'm not sure what's going on lately, but people pay me as a freelancer and Citibank takes as long as possible to clear the payment (like way longer than merits the relatively small amounts). I have a check for like $400 for example - more than 5 days to clear and still not there yet. Same with direct deposits from companies. If you call customer service there is nothing they can do and no way to complain or find out what's going on. And to get to customer service human being you have to jump through hoops. I'm writing this review because it's got MUCH WORSE recently. I would change banks if it wasn't registered with so many of my clients.

Citibank opened a new savings and I transferred a big amount to my savings; now they have blocked and closed my account with no notices and not ready to send check details. I begged them that I need money for hospital medication and release funds but the customer service new account fraud dept agent says me, "That is your problem and call us after a week to check status."

For no apparent reason they single handed destroyed my life that I’m on the brink of bankruptcy after being a client for almost 40 years with no regard for the outcome and ripple effect they caused to my family and I. After being a loyal customer with no past history issues with any of my accounts and no prior knowledge I was treated like a customer with a bad history with their institution.

They were sending so many promotional offer for credit cards and finally even I do not want this carp, somehow I took the decision lets apply for this time. After application 2 weeks nothing came then I called their customer care just to make sure they are in process or denied my application. The first thing CC person said, "Sorry due to some software glitch your card was not dispatched and we will release this today itself." After 2 days I got the card and I activated and then how to make online account for it, there was no instructions in the envelope which was filled of their papers, no papers regarding the scheme through which I got the card, like within some duration you need to spend X amount and then you will get Y amount.

On December 1, 2022 I called Citibank to inquire about a Flex Loan. The agent explained to me how the loan worked, and I said it sounded good. She then continued to tell me more about how the loan worked, and at that point I said I was not interested. It seems that the agent approved the loan before our call was finished and when I said I was not interested. I now had a Flex Loan that I had not approved. I called December 2, 2022 to ask how to rescind this loan, since I had not approved it. I was told it could not be rescinded, but if I repaid the loan it would go away. On December 5, 2022 I repaid the loan in full, but it did not go away. I have spent three months calling and filing dispute letters, trying to explain that I had not approved the loan and that I had repaid it in full. No one would listen or try to resolve the matter.

I have a Costco credit card, hence the Citi account. Worst bank I've EVER dealt with in 30+ years. They changed the monthly account balance requirement, never let me know, and starting charging service fees to the tune of 25/month. I just caught this and you can't get past a 'bot' online which can't help you. I'm closing all accounts and if I have to drop Costco as well, so be it. I'll switch to Sam's or something - not worth the money I'm losing to fees they sneak in. I could easily maintain a larger balance but I have to be aware of it to do so. Shady bank. Bots for online help or you get a third world rep who can't speak English. Done with Citi forever!

If you think other banks are bad try Citibank. They would close your account for any single reason, and they hold YOUR OWN MONEY until they feel like (thief) WITHOUT ANY EXPLANATION. DUMB BANK. I really Hope they go bankrupt and close!!!

I have been a Citibank customer for 10+ years and I have finally given up hope that they will -- or can -- ever change for the better. A couple years ago I contacted an agent via chat about how I might close an account. The agent actually went ahead and closed my account without confirming anything! Worse yet, the agent didn't tell me I would be charged a monthly fee thereafter...

Called Citibank because of a failed defense travel system which delayed a payment to Citibank. Due to a payment to them my card was cancelled although it was paid in full. When I called to see when I could use the card again to buy a ticket for a flight for permanent change of station orders, I was told "I am restricted from using the card for 60 days and it will not be expedited". Horrible Experience, the worst credit card company I have ever dealt with, this was a nightmare experiences with CitiBank and, I will never use them again nor any other cards related to CitiBank.

Citibank offers better CD rates than other big banks, so I decided to give their CD a try. Unfortunately, after about 10 attempts, I was unable to open a CD account online. I went to the branch for help, and the personal banker was also unable to open the account for me either, so I had to wait for his phone call and visit the branch again. Finally, he got it sorted out and opened the account for me, but he did not mention that actually CD account required a much higher balance to waive monthly service fees. Nowhere in Citi's CD ads was this fact mentioned. When I found this trap, I immediately closed the account and lost my trust in this bank. I also demanded downgrading my account. The banker said he had done it for me, but when I received my bank statement in the following month, it showed my account package remained the same. I wonder how this bank created such a deceiving culture among its employees.

Citibank online banking is often unable to edit or delete transfers between my accounts after 2-3 weeks which forces me to call them. The AI is not user friendly and causes one to call frequently. The customer service is outsourced overseas and unable to understand at time or assist. They just say the online banking is being updated. Can anyone recommend a better banking with functional customer service and an online banking system?

When you call Citibank customer service, you are often sent to an overseas service center. The lines are very poor and the customer service people very difficult to understand. In doing a simple domestic wire transfer, I had to make more than 8 calls--after the online transfer had problems-- and had to hang up on most calls. Eventually, I called my local branch, where I got help. But when he had to connect me to an overseas center, I again had difficulty. I have many friends with accents and understand them, but people at Citibank centers are nearly impossible to understand. They need to speak slowly enough so we can figure out what they're asking. Later I had 4 garbled messages to call Citi Fraud Prevention but the number given was impossible to understand or did not work. Citibank is not serving its banking customers well.

I know that Citibank has gotten some negative comment but personally, I couldn't be happier with the features, ease of use and terms they provide. I have a checking, savings and a Citi Double Cash credit card and after one simple phone call to their customer service over a year ago, they all operate flawlessly together. And, no, I'm not someone with a heavy financial portfolio. I've been down to zero dollars plenty of times in my checking account. But depositing any check, from any number of banks that my customers use has been 100% successful and the funds are available within seconds no matter what. Now THAT can't be said for any other bank. Personally, I find Citibank to be perfect for my needs and am really glad I decided to give them a try after Credit Union mishaps and ridiculous inconsistencies at other other major banks.

The customer service couldn't be any worse. They know nothing and can help you with nothing. If you do not have access to a branch you are screwed. They hold money and customer service can't do a thing to release it. I wanted to send multiple Zelle transfers. They held the money and wanted me to wait 14 business days for it to resolve itself. I sent several wires to a title company for a home purchase and out of the blue they hold one of the wires. Customer service can't do a thing to help. They have limits on wire amounts unless you walk into a branch but they don't have branches hardly anywhere. They are worthless, really and truly. They have no inside information or authority. You will learn nothing new when you call customer service. I could be a customer service rep for them with zero training. I should have closed my accounts long before this review so shame on me for sticking it out with such a terrible company.

I opened a checking account. I transferred monies from my other accounts to fund the account. Once the funds cleared, I paid numerous bills. The next morning at 8:00 a.m., my account was marked for closure. My funds are non-accessible. I cannot see my account information, transactions, where my money is, how much. My bills were not paid due to reversal, so I incurred reversal fees, late fees, and interest.

They did not honor their $450 savings bonus offer. All requirements were met. I have spent hours on the phone to customer service to no avail, always just get one excuse or another. Will never use Citibank again.

Not Citi...** bank...Looting people's money in every way. You can't make an even a honest error with them for the first time even after being with them for years. They will impose charges anyways. Doesn't matter you talk to anyone, they don't have courtesy to waiver.

Citibank is by far the worst bank I have ever used. They are a nightmare to talk to and just repeat everything the other says when I'm trying to ask a question. They "closed" my account without warning and then said it would take up to 60 business days for it to be closed. Because of this, MY money in this account is sitting in limbo for that long. Money I need to pay bills for. I talked to at least 5 different people and they could not care less about any of this. One of them even hung up on me. Please NEVER use this bank. Now I'm looking at being without a home. Thanks, Citibank.

Wish I would’ve read other reviews before getting in deep with this company. They are wolves in sheep's clothing. Everything sounds good at first, but they’ll be the first to Jack interest and hang up on you. FOUR times I was hung up on in a row spent hours on the phone. They lowered my credit limit on accounts I had flex *loans* through…so don’t trust the loan part. It’s still a CC. Buncha crooks like Wells Fargo.

standing, a $50,000 balance was maintained for required period of time. No response to dispute. Stay away from Citibank not reputable.

I have called many times to resolve my situation. Today I spoke to 4 different reps and 2 of them supervisors. I was advised if I went to a branch they would release my money. The nearest branch is 6 hr, the supervisor knew this. Luckily I called and the branch manager advised they could not release my funds. They tell you whatever they want or hang up on you just to get you off the phone. They do not care how their actions affect you. I am also filing a complaint with Consumer Protection, BBB and the OCC

I have had this bank all of about 2 weeks and it has been a nightmare. I can't add my card to Apple Pay. They keep suspending it. I tried change my phone number due to me moving they state. I have to send a letter in writing. Nothing can be done over the phone per their security procedures. I tried using my card for a couple bills. It declined. I call, "Oh we can't validate you by phone." Go to a branch which is 5 hrs. away or I have to wait for them to send a letter in the mail once received. Follow the directions on the letter. I would never recommend this bank to anyone not even my enemies.

I was referred by another person to open a Citibank checking account. Other person was supposed to receive a $100 referral bonus - which Citi never paid and never even acknowledged. Both of us opened accounts with large sums of money because we were supposed to get a large bonus for opening the account. Citibank did NOT pay the bonus to either of us on time. They changed all the rules for me and told me they were going to take up to another 90 days to pay the bonus - above and beyond what was in the terms of the agreement (which I read very carefully). Do NOT EVER trust Citibank with your money or to keep it's promises and for the love of Pete, don't participate in any "offers". You'll spend hours on the phone with people that barely speak English trying to get Citi to keep its word.

Citibank sent a letter to confirm my company. I assumed it was spam as Citi has never done this before. They could have requested the info on my monthly statement and I would know it's not spam. Without a reply they canceled my card (7 cards as it's a business account). Never told me they were canceling. When it canceled all the 'thank you' points were deleted. I was a customer for more than 30 years. After more than 2 hours being bounced from dept to dept, no one can help. Citi has no customer service. Adios Citi.

They advertise above average rates and a 450 dollar bonus after 60 days for new customers. I made my deposit in August and am still waiting for the 450 dollars. I have been calling for 4 weeks not and continue to be hung up on, promised I will get my money soon, been passed on to managers and have a complaint file that I'm now being told they have so many complaints they haven't gotten to mine yet. They originally said the complaint would be resolved in 10 days then 20 then 30 and as of today still don't have an answer to where my bonus is. Put your money somewhere else, they are a horrible company with no customer service.

Go to another bank. This bank has no (none whatsoever) customer service. Prepare yourself to spend a day on the phone being transferred to what they call specialists. You will be annoyed beyond compare. They have branch managers who refuse to pick up the phone, when you go to see them, they will refer you to the customer service telephone #, because it isn't their area of expertise. I am talking about a Business Account, I have closed my personal credit cards for this exact reason. Business Accounts are tougher to close out. Save yourself a lot of angst, and call customer service lines before you open an account with anyone. Their customer service telephone is just a loop of morons who keep passing the buck. The last one who said she could understand me was Blanche id ** - ask to move along, she has a problem with the English language, and after almost 14 minutes, she asked me to call back and talk to someone else.

They hung up on me while I was trying to withdrawal money. Multiple times and then wouldn’t let me withdraw my own money because they said it was a monthly limit and they couldn’t change it. Then proceeded to hang up on me again.

Do not trust Citibank. I spoke to customer service 3 times but unfortunately, they played a game with me and third time I called customer service her name was Prelie and she was so impolite. she thought I was born yesterday. I'm so sorry for Citibank that doesn't know who should work for Citibank and they don't know how should teach them.

Citi checking account is such a bad account. Citi online didn't let me add my external account so I can fund my new Citi checking account. I tried several times and it never worked. I had to wire money to my new checking account. I had to pay wire transfer fees both to Citi and Allegacy. Terrible experience. Really poor bank. I called for help and they were unhelpful and rude. If you have other options, go there. Don't waste your time with Citi.

I have been with Citibank for almost 10 years. At the end of each year, I would save my points and buy a Christmas gift for myself. In 2022 they pulled a shady, lowdown, BS move - their points program are no longer one-for-one. The 200 points I had saved up were now worth $2.00 instead of $200. Additionally, my 11% interest rate was increased to 24.99%...I seriously don't understand why. Called customer service and they don't know why either. ZERO notice from the company about either of these changes. THIS IS NOT HOW YOU TREAT LONG TIME CUSTOMERS WITH EXCELLENT CREDIT!

I don't recommend Citibank credit card. I purchased a defective engine part shipped to Texas on my Citibank credit card from the California based ADV Cylinder Heads' (Seller) website. Eight days after receiving the defective item, I returned it to the Seller for a refund, however, the Seller failed to credit my Citibank credit card. In less than 30 days after making the purchase, I contacted Citibank customer service to file a dispute and I timely submitted a written dispute to Citibank Sioux Falls office as instructed on the reverse side of my credit card statement.

Sent $550.00 thru Western Union as payment the service provider requested. Citi charged me 5% or $27.50 because they said it was a cash advance. Transaction occurred on the 12th but didn't post until the 19th so they also charged me interest of over $3.00. Callled to try and get someone to help me with these ridiculous charges, they wanted to school me on cash advance procedures. I plan on cancelling the card because of the awful treatment I received. This company never heard of service recovery.

Customer service is the worst. If they don't the answer they will say “give me a minute” and just forward call to someone else. It is so disrespectful. They keep wasting so much time. Their reward card is everything but not rewarding.

We have had a Discover card for 30 years and have always paid the account in full at the due date, I read about a Citi Bank credit card offer where you would accumulate double points for paying off your account monthly and use your points for purchase or use as money toward your bill, plus they offered $200 cash free if you accumulated 1200 in purchases the first payment period. I did all this only to find out points were worth a penny and you would not get your $200 until one year after your card was effective.

I am a Citi Mastercard customer. I received an invitation by email to open a high-yield savings account. I tried 8 times to do this using the link provided. Each time it did not work and said to call customer service. Called this number many times and only get foreigners who I can't understand. Each of them gave a different reason why it didn't work and transfer me around. Don't trust this bank, they will not honor promises and have no customer service.

We received an offer from Citibank to open a checking account and fund the account with $75000.00 and we will receive a bonus of $1000.00 in 60 days. After the sixty days had passed I called to follow up with them, they kept passing me from one department to another and then they came up with the excuse that they have to file an investigation with their back office to open a dispute. I think this ban is a complete fraud, they have not paid me my bonus, they have had my money for more than three months and have no clear answer but just to say they need to investigate my case. I think the feds should be investigating this bank. Please do not bank with this company. Please look at the below offer and see for yourself.

3 months again I was scammed on my Zelle for 750.00 and Citibank was supposed to investigate, well they came back and told me that because I sent the money it was on me. Well I should’ve left then. Well today my husband made a mistake depositing the wrong check in my account, instead of them calling me or contacting me, I call them soon as I found out, they closed all my accounts and now I’m afraid they not gonna let my rent check go thru. This is the worst bank ever. No compassion at all. Cold heart and doesn’t take the time to speak or try to fix the problem. I will be uploading all the calls I recorded of them.

I filed a dispute for fraud on my account and then Citibank turned me “ the account holder” into the fraudster. Citi bank locked me out of my accounts after filing a dispute… stating I couldn’t provide the correct answer for a security word. I have never set up a security word or question and have never been asked for one until this time… understandable due to a report of fraud. I immediately went to a branch to confirm my identity and verify account information on November 19, 2022. I received my new bank card 11/22/22, activated it and again went to the branch after attempting to access online banking which I was not able to do.

My husband has banked with Citibank for 30 years and recently added me to his account. I beg him to go elsewhere. Every single time there is an issue they transfer you and transfer you and never resolve the issue. We spend HOURS on the phone with them. They even allowed a fraudulent $10k transfer despite answering, "No. I did not authorize!" Case still pending 6 months later. Call center in Philippines.

There are many banks to choose from. Save yourself time and effort and opt for any bank other than Citi. It is impossible to receive service from them despite their slogans about customer service and various pledges.

I have two companies each with a Citibank checking account. The two entities are within two miles of each other and both use the same branch, also with those two miles. Both accounts were set up by the same individual at the same time. On October 5, my one account wire $3500 to the other account as payment for services. This wire has been stuck in Citibank's review process since and has been at the 'highest' review level for weeks. None of the participants are on the OFAC list. The same wire has gone through half a dozen times since the accounts were set up.

I'll try to keep it short, I make 300k plus and have several Credit Cards. CITI has my line of credit at 1000, yes, you read that right, I make that in a day as sad as it sounds. I'd like to cancel it but don't want to ding my credit score so I am stuck with this crap of a credit card where I'll have to buy a pack of gum every few months. Don't bother with this one.

I applied for a Citibank credit card today, so that I could have access to a concert presale that is only available to Citibank credit card holders. I explained to the rep that I needed access to my account today and she told me that she would be able to provide me with the new account information over the phone as soon as I was approved. I wanted to make sure, so she confirmed this several more times before we proceeded. She even switched me to a card that would give me instant access to my account upon aproval. I applied over the phone with her and was approved. She then tried to quickly end the call. I asked her for my account information and she stated that she couldn't give me that information and I would have to wait 7-10 days for my card to come in the mail. She then said that if I had applied online, I would have been able to access that information, but since I did it by phone, she couldn't help me.

On 10/24/22 I opened a savings account with Citibank with my online access (have been a credit card holder for more than 31 years). I transferred $20,000 from my local bank to fund this account. However, before the saving account could be funded it was closed by Citibank. Upon finding out the account was closed, I attempted to stop the transfer from my local bank, but was unable to get it stopped. The transfer occurred on 10/26. Now after more than 30 hours of phone conversations with Citibank customer service reps/supervisions I and am still without the money and have no idea when I will be receiving it.

My wife main account was named as a fraudulent account because of a void check paid by a customer. She was a join in my account and once Citibank decided to closed her account my account who was different but her was in also was closed. I never received a warning or something letting me know the situation and I was super surprised how was possible that they close everything just for a void check. They take actions without notifying the customer and in my opinion they should gave me a option if a want to continue with my account without her or closed permanently. So please if you can choose any bank that it not related with Citibank do it, don’t get close to Citibank even to cashed a check. Avoid any bad moments.

I recently made a payment on the 9th for my credit card. While on the chat app with customer service I was told that the payment would be applied to my balance on the 24th automatically (2weeks) however if I waited 2 business days and called with a verbal confirmation the customer service team could contact my bank, confirm the payment and release the funds that day. I called in 2 business days and a nice lady informed me it would take 1 more day for the payment to be confirmed. I waited 1 day and called yesterday and the customer service rep I talked to said it would still need another day.

This service is beyond Terrible. My mother has dementia and someone got into our joint account and closed the account via online. I notified the fraud department and talked to 5 different people and received 5 different answers. The account was closed online but I was told that I had to go into the branch to prove that I was the legitimate account holder, who was authorized on the closed account. They refused to give me any information related to who closed the account or where the money was transferred too. When I asked to speak with the supervisor's supervisor, the 5th person who said he was a supervisor, said "Just go to a branch, thank you" and hung up.

Stay away from this bank at all cost. Their fraud department is a joke. They have 11,000 of mine frozen for suspicious deposit for over 2 1/2 months now. With no proof of any fraud. Cause there is none. I have known the person that gave me the check for several years and have received many checks from them. With over 20 hrs. of mine being on hold, and being hung up on. Customer service is very disrespectful. They always say a supervisor will call me but still have not received one phone.

So I downloaded the Citibank mobile App just today (account opened months ago). I entered my username and my password and waited for them to send me a code to my cell. Since the code never came, the computer logged me out. I did that two times the code never came, so I called Citibank customer service. They finally sent me a code but when I entered the code it came up error code "MFA." I was then told unless I had my debit card and could give them the code on the back, they could not give me access to my account or correct the problem! Seriously!

Prior to receiving the following notice regarding the delay in the availability of my funds from a check that I deposited through the mobile app, I learned that the check CLEARED. Mind you, the payor of this check was a federal gov't office. “The following longer delays will apply (because these deposits may be returned for the reasons indicated). Amount Being Delayed: $1,069.88, Date Available: November 11, 2022, Reason for Delay: "We have confidential information indicating the check may not be paid.” If I could give “0” stars, I would.

Customer service in Philippines. VoIP is poor, cutting off plus Philippines don’t understand you. No ATMs. No offices around Vacaville. All ATMs are in 7/11, no cash in option. No signs that it’s Citi (7/11 signs on the screen). The Philippine representative said they have office in Fresno. Or I can do deposit via Western Union.

Free advise, pay off the balance and cut the card into pieces. Block em on your email and phone. They should be investigated by the Better Business Bureau.

Do not use this bank. Their online systems do not work. I tried unsuccessfully for 2 days to open an account and the experience taught me that I absolutely should not have any dealings with this enterprise. The system aborted repeated attempts on different days to open an account. I could not establish contact by means of any "Contact Us" links. I finally got hold of a person who informed me that she could not handle international banking and transferred me to a number that kept asking me for my account number. I am glad I found out how bad this company is before I opened an account. They obviously do not want any new customers.

This bank offers a rate, enticing you to deposit your money, then they do not pay anything close to the advertised rate. In October, 2022, they advertised a 2.20% interest on their accelerated banking account. What they actually paid was around 1.70%. I would not recommend conducting business with them.

I tried to withdraw my money from my savings account, but the automated system wouldn't allow me to do due to a system error, so I called customer service... 4 hours later, after the greatest runaround I've ever experienced in my life from a company, I was no closer to getting my money out of the account than I was at the start. I have never encountered a more incompetent, unprofessional, or downright unintelligent customer service team than Citibank's, and I'm shocked that they haven't been put out of business by how badly they treat their customers. If I could give 0 stars, I gladly would.

Don’t trust Citibank. Doesn’t matter how good of a history you have with this company. Good credit limit, great payment history with this company doesn’t matter. My whole family had COVID, I had two neck surgeries, a back surgery, physical therapy, several epidurals and all the diagnostic procedures necessary. Yes I depleted my savings and had a few medical bills go to collections which I have paid. And yet Citi did a review and dropped my line of credit over $9,000, even though I had great payment history with them, dropping my credit score and making it harder to recover. Why? Because this company can care less about their customers. I’m going to cancel both my cc and savings account and I advise you to take your money elsewhere. Btw I called after the credit reduction and was told they couldn’t fix this and referred me to a 866 number to resolve, yeah that was Equifax. See, your history with them means zip.

Citi froze my checking account without any explanation. I had received emails and text messages asking to verify the validity of recent purchases and I green lit all of them. Didn't matter. Account still got frozen. As a preferred/VIP customer I did not even get a phone call or email that my account was going to be frozen, so all the checks I had written that week bounced and my clients were all hit with fees. Citi eventually unfroze my account, still offered no explanation as to why and refused to reimburse me for the fees I had to make up to my clients. Disgusting. Off to Chase I go!

Carrollton Texas, checking account. I opened an acct 2 weeks ago and within a week Citi closed my account terminating my relationship with them for no valid reason. My new acct was opened and I only had access to my online acct which I was able to set up direct deposit and Zelle. Within 2 days from activating my online access I paid my rent using my bank acct number because I did not have my debit card. That is the only transaction besides the Zele transaction I made to acct to pay my rent via bank acct and the next day I get an email that my acct is being closed due to me violating my terms per client manual.

Citibank is a cheater bank. It traps customers with promotion offer and then does not honor it. I too fell prey to their dubious strategy and opened a checking account which was having a promotion. Now after 5 months Citibank tells me there was no promotion offer... I have the online promotion offer still saved with me... They are cheats.. Making innocent customers run around and giving mental agony for a mere ** promotion... Citibank. I never imagined that a bank this well known would cheat its customers like this... Change your name from Citibank to **bank...

Credit department claims I already have a Meijer credit card. I do not. Can't speak to anyone to find out details. Automated teller won't get you to a human. When I finally reached a human, he gave me the same phone number I already called several times and then hung up on me.

Saturday I deposited a check for 1,110$ and now I have to wait 2 weeks for it to clear. Yes, not important for anyone that has extra income or more than me, but tell me how am I supposed to food shop when I was hoping that check would clear 5 days later...Now I have to wait 7 more days, beautiful product. Took my check to a cashier, can't cash it because your MOBILE APP asked to write Citi Bank Deposit on the back. I can't rob a bank, but a bank can sure ROB us. **--YOU.

I have had an online savings account for over a year. Poor service but tolerated. Attempted online sign on. Told I must enter my debit or credit card number with Citi. I don't have such a card from Citi nor do I want one. Called 3 different customer service numbers (India) no help. They insist I be mailed a debit card (5-7 days) to access my online account. I wish to do a wire transfer of funds TODAY. Shockingly there is no human mechanism at Citibank to accomplish. I must wait for the debit card to arrive, register it online and then maybe I will again have online access where I am sure I will encounter more issues to transfer my $. I am going to close the entire account.

I switched from a bank to Citi...& transferred money & they're making me wait 5 days to access my funds. Stay away from Citibank. They're Trash!!! I will definitely be closing the account once my funds clear!!!! Never again Trash!

After signing up for a Citibank Interest Checking with a 50K funding and promo to receive $700 after 90-days, then waiting several months after the 90-days, then calling Customer Service to inquire, calling again, and calling again (1-2 hrs per call). I found that the folks on the call were not listening and more or less working through a state-diagram. A case was ultimately opened, and I was promised to receive in mail the outcome. This did not happen. Another call was made, another 2-hours wasted. The escalation path takes you to another powerless representative.

sent new card

On July 21 2022 I was a victim of fraud. I'm from NYC. Someone went into a Florida Citibank and withdrawal $4,966 from my account from the teller. I never authorized anyone to do so. I never gave anyone my card. I never been to that part of Florida let alone the branch. I also been doing everything possible to do what the fraud department tells me. Sign every paperwork and all physically in my branch bank. I have had to sign the same page several times because the fraud department claimed they never received it from the bank and I have proof that the bank said they sent everything over.

I had a promotional cash bonus pending and the representative at the Downey Location switched the account and now Citibank is denying $300 bonus for keeping a certain amount of money in the account for over 6 months! The promotion was for only 90 days and this bank ruined it. Do not to fall for this scam!

I was interested in opening a checking account with bonus, offered by mail I received. The Citibank agent opened a checking account which was the opposite of what I asked for despite of multiple request. I went to the branch and branch manager stated that he would contact the service center in Rancho Park. Promised to fix it in 10 days, I didn’t hear back from him so I went to bank again and he said that he didn’t remember me and he needs to start again. Lack of customer service and uneducated branch manager compromise the safety of their service. I wonder how possibly these unethical people with lies are handling customers' money. They need to reevaluate managers of bankers before hiring them.

My wife and I opened an account here 1 WEEK AGO. They gave us cards that have no CVV so in order to make online purchases we had to transfer money that we had deposited into our old bank accounts from other banks. They froze our account with all of our money in it saying it was detected as fraud (there was no email regarding suspected fraud until days after they froze it), and then today they closed our account with absolutely zero warning saying they'll mail us a check with our funds in it. We moved here from out of state and needed that money to live, is this place serious? The only two transactions that ever came out of that account was to transfer it to accounts that are also ours, this might be the worst bank in existence and I would never let anyone I know use this bank.

If the lender for a loan I need uses this clown service of a loan agency, I don't even bother. I already know when I read Citibank as the lender that I am not approved for some ** reasons. I can get loan elsewhere with no issues, heck even have a credit card, but can't get approved for anything through the circus. I needed tires for my vehicle for winter, I have a 2yr old and no help, I was denied because of citibank. Really hope they'll do everyone a favor and go out of business.

Updated on 09/17/2022: I had reviewed Citibank once before on Consumer Affairs and I gave them a very poor rating. I have since amended my original opinion. I had two merchants put unauthorized charges through on my debit card. I called Citibank the same day. I spoke to their Disputes Department. On the first dispute, they sent me paperwork in the mail and asked that I provide more details and then send it back to them by a certain date. This took about a week, first my reception of the Citibank paperwork and then my sending it back by the requested date. I noticed that a bank credit in the amount of $100 had shown up on my bank account yesterday.

I've had a credit card with Citibank now for almost 5 years. They were the least understanding and changed nothing during the pandemic as opposed to other credit card companies I had accounts with. Most recently my issue has been that I have tried to link my credit card to 2 different streaming service accounts and neither of them would accept my Citi card as payment. When I contacted Citi about the first one, I was on the phone and chat with them for HOURS without any solution offered or resolution. They had NO IDEA how to fix it. This is after the streaming service told me it was a block on their (Citi's) end and only they could authorize the charge. I'm beyond annoyed and frustrated at all the time wasted on this company and their lack of solutions or empathy for their clients.

I had a checking and savings account with them, and was transferring money over for a large purchase and it was like pulling teeth to get my money moved. Their phone support is simply terrible and they do not offer assistance. I can't wait for them to find my last $5,000 that was to be transferred (3 days ago)...so I can close my account for good. Never again!!

The ABSOLUTE worst is an understatement. I opened a citigold acct online and before I got card or banking info, my acct was hacked and thousands were withdrawn over the period of several days. For some reason Citibank allowed this and didn't see this as a red flag. I have filed a police report and noticed the credit bureau, FTC etc. I have spent hours on end with Citibank via in person and phone (most phone reps are foreign and seem to be be working from home as phone call sounds are typically muffled and inferior quality combined with fact agents barely speak English). Agents will hang up on you or put you on hold for hours on end to only refer you to branch or have no answer. Branch is just as useless and refers you back to 1800#.

I went into a branch to send a wire transfer to my foreign account and after almost 3 weeks, the money had not posted to my bank account in the DR. I went back to the branch and was told it was returned for some ID issue. It was resent and waited for about 2 weeks and still it was not deposited into my account in the DR. I had to call the back and was provided with no reason for it not being deposited and I will receive a letter. What surprised me was that NO ONE called me regarding the issues rather me going into the branch and calling. I have other accounts at other Banks and they don't treat that way. I missed and had a late mortgage payment because of it.

I will not be working with or using Citibank in the future for any credit card related systems due to my experience with them. After being automatically denied for a card, despite good credit that was damaged due to the denial, I had to call several groups before interacting with their reconsideration group. It was only there that I was informed that due to an unlisted "insider" policy that they use for determination, if you have had any credit report in the last 90 days for any reason you are automatically declined. To learn this I had to go all the way to management of the group and was told that due to this policy there was absolutly nothing they or I could do to resolve this, despite it being day 90. While they were efficient, this lack of transparency and variable action means that I can in no way reccomend their services in this area.

I had been a long time credit customer of Best Buy/Citibank. When my card was supposed to Renew, and was paid in full, they canceled my account. Same tactics Walmart and other low end companies do. Canceled all previous agreements and makes you get a new account under higher interest and new terms. Dirty business, stay away. Would make a great meme stock.

First bad experience was with corporate card. It got so bad that I could not even put on a travel notice onto the account. Luckily we changed services for work. Recently, I was traveling internationally and upon return had received multiple "fraud warning" voice-mails. Upon calling the number on the card, the electronic service immediately steered me to the fraud department, verified me electronically, and transfered me to an agent.

I had money in my account for rent. I paid it. A couple of days later the money was right back in my account causing me to pay my landlord late fees! No branch location so I tried to Zelle money to my soon to get money out my account. They blocked my account and said suspicious activity on the account. I called and verified it was me. They still block my account and end up closing it cause me not to pay for my daughter 1st birthday and the late fees for rent. I hate this bank. I will never ever use them or tell anyone to bank with them.

I went to go use my card to pay for my dog's food... I had a huge remaining balance still and am an on time payer towards bills. I went to look at my account and it says that Citibank has closed my account. I called customer service three times. First time, I got someone named Noel. She had very little knowledge of how to communicate with me properly and it was very hard to understand. The only thing she said to me was that 'she couldn't give me details as to why it was closed' and that I have to wait for a letter from them in 10 business days. I asked to speak to her supervisor ... She said no supervisor was there.

I disputed a charge because the merchant providing a rapid covid test in Israel, failed to disclose information that I would have needed beforehand to make an informed decision to make the appointment and complete the purchase of the test. The decision by Citibank was for the merchant. I thought their decision was hasty and poorly considered. The decision in my favor should not have been even close. I am ready to close the account.

This is the worst bank I have ever dealt with. They locked me out of my own account with 0 notification for trying to send myself money. I spent over 15 hours on the phone with one overseas representative to another to get my account unlocked. They are criminals and deserve to go out of business.

I had nothing but problems since I've opened a account with this bank, they are a horrible bank. First I couldn't deposit cash into my account at the ATM, I called customer service they were no help at all. Then I file a dispute and they lock my card, to where I can't get online or use my card. Worst ever.

I had a customer order food and charge it back to their Citibank. The customer ate the food, but said it was soggy. They ordered a veggie delight pizza and let it sit for 4 hours on their table before they ate it... What do you expect? They ate the food and then charged it back. I contested the charge with a signed receipt by the customer and the delivery receipt. Citibank gave them their money back. I will not take your card ever again. I will ask for American Express or any other form of payment besides you CITIBANK. You don't support your merchants... The heck if I will endorse your fraudulent tactics against the merchants who give you your business!

Be careful you don't put too much money into a Citibank savings account that you actually need back. They have a $10,000 limit on outgoing transfers PER MONTH. You will have to go on every month and take it out a bit at a time. Forget it if you need help from support. There are no branches anywhere near you.

Never ever open Citibank AcceleRate Savings Account. They are highly unreliable. I just had a terrible experience with Citibank accelarate savings account. Citibank seem to suck big time in every damn thing when it comes to customer service! They froze my savings account due to suspected activity when I transferred from my own salary accounts to Citibank savings account. I had to wait for 1 hour each time to talk to their fraud analysts for such frozen accounts and they asked me to visit a branch. But there is no branch in whole Washington state (this is ridiculous).

I received an offer for a Citi Double Cash Back card, only it didn't arrive. I contacted the customer service department, which had a wrong city and zip code. Ok fine. I corrected it accordingly and had the read back the address and one again it did not arrive. The number of chat app holds, transfers and phone calls to close my account is like nothing I've experienced in my life. Stay away from Citi; they do not care.

Because I have a Costco credit card through Citi Bank, Citi Bank sends me offers in the mail for checking accounts, claiming special rewards. It sounds very nice, except for the fine print. Nowhere does it say how much I might actually get. It only says up to a certain amount. Which actually means, Citi Bank guarantees to not pay more than this amount. So how much could I hypothetically earn? Who knows! Citi doesn’t divulge that information. After reading reviews on this very website, and more on others, there is no way I would put any of my money in Citi Bank. There are countless complaints of Citi freezing accounts, not paying supposed rewards, and more.

Four years running now Citibank has allow a fraudulent company to bill a $300 bogus annual subscription to my account. All four years I was required to jump through all kinds of hoops to fix it. Even changed my account number 4 times. They actually gave the fraudsters my new account number and home address. Had to hire an attorney to send a Cease and Desist to their CEO. Even closing my account didn't stop the madness. Citibank just accept the fraud charge anyway and then tried to bill me again even after I have a letter from them confirming it's fraud. WHAT?!? Clearly just another greedy bank who doesn't care about their clients at all.

I would put no stars if I could but you have to put at least one to post a review so one star is all your company deserves!!! I have never used Citibank!!! And after the morning I had yesterday trying to get my issue solved I will never use this bank for a damn thing!!!! Their customer service sucks and they won't even get you someone that speaks clear English when you ask. Someone tried to apply for a card in my name and I couldn't get it resolved with this company because they suck and their customer service dept doesn't listen. Would not recommend anyone to this so called bank!!! The owners of the company don't care either or they would fix the problem on how their employees treat their customers as well as perspective customers and identity theft customers. DO NOT BANK WITH THIS COMPANY!!!! I DON'T TRUST THEM!!

I have been charge by Fb/ads 6 times for my credit card account, the 1st 3 transaction is sgd 15 + sgd15 + sgd15, then the next day another 3 transaction by fab/ads which is sgd26 +sgd26 +sgd26. And I didn't receive alert from my message or email. This is a scam and security problem. I never purchase any item using my Facebook in my whole life.

Poor service, bad experience, basically smoke and mirrors. They entice you to open an account with a proposed bonus for a deposit but when time comes to pay the bonus they will make all kinds of excuses to not pay the bonus. Basically false advertising. Useless call center. No one speaks English so impossible to communicate and they do not provide any service anyway. As for other business services that were requested and you are told someone will call you back from so and so department and no CALL BACK! Just wondering why would anyone want to bank with a bank that is just a name with NO SERVICE!! DISAPPOINTED IS AN UNDERSTATEMENT. Do not waste your time with this bank. There are other banks out there.

Since day 1 I am having problems with Citibank, first the card didn’t arrived and for resolve the problem citibank was telling me to gave the the credit card number. How I am supposed to gave a card number for a card I don't have?

My wife went through a very similar situation as the many of the customer’s who’ve written reviews. We tried to make a payment via Zelle to an individual for a purchase and the payment wouldn’t go through and then she was locked out of her account. She spent the last two days trying to get her account unlocked and she keeps getting transferred from one person to the next. Each one is less helpful than the last and it’s extremely difficult trying to communicate with them. They say they can’t verify her phone number, even though it’s the same phone number she’s had and they’ve had in file for 20 years. She’s responded to their texts and email and is calling from the phone on file and they continue to say they can’t verify her and won’t unlock her account.

For starters I don’t even have a bank account with them. I just received a check through them from a program I completed. Now I deposit the check in Chase Bank account and they have it hold for literally a week and a half all because Citibank couldn’t clear it, then I call their check verification line and they’ve been down for a whole week. Customer representative don’t make it any better because as I also saw someone state they don’t even have the knowledge of their own company because according to a couple of them there was no such thing as a check verification line, but when I spoke to someone else they provided me with the number. Overall just a little unprofessional to me regardless of anything and they like to argue with you that’s for sure lol.

Citibank itself is worst I have encountered, Citi declined my purchase attempt and locked my credit card on my first attempt to use it. And the nightmare just started. I called in 2 days asking them why my card is locked, the response I received is "they can't tell me anything because they can't verify me"; "they can't use my phone number to verify me and they also can't tell me why my phone number is invalid". They have to send me a letter via mail that takes ages to arrive because their policy doesn't allow any other ways of verification. Per the account supervisor "anyone who's close to me can get my address, email, birthday and SSN!" WOW. When I asked for an expedited overnight mail, I was told they can't do that either.

2 weeks into the mortgage process Citi denies the application on the basis of not having 4 lines of credit! I have 3. Told everything else was perfect. What a joke and a waste of time. Should be the first thing they tell you before proceeding.

This is the worst phone customer service I ever went through. Many representative in this company is lacking credentials, the plenty of times I called I have to fight myself to customer service, or if Representative refuse they just hang up on you. It was nice company noticed fraudulent charges on my account, and stopped payment, and attempted to send me new card. Bad enough it took a week due to Hoilday weekend, but once received, card is unable to work, I'm to the point, I can't take it, and taking day off from work to close account and head to a more established bank like Chase or Bank of America.

I am a 72 yr old female and I called what I thought was a reputable company Apple Products concerning my iPad and reached a scammer and he had me put in my reward number for a new iPad but it was to take over my phone and he was able to transfer money in a new account telling me it was the only way to get my rewards and he used my Zelle account to send money to someone I don’t know and they saw where I was scammed. They were able to close that new account and get back my money but this person also used my Zelle without my authorization and was able to send two amounts that was almost $5,000.00 to someone I don’t know and because it was Zelle they refuse to credit me and don’t believe me that I was scammed.

Been a customer for more than 4 years. They returned my covid relief check that I had been waiting on since 10/21 because it had my maiden name. Just cashed another check in my maiden name but because it was small they said it went through. I asked do the amount of check change my name? Such a joke. No one speaks English. Nobody know anything then I had to re deposit the check and it will take 5 days to get all the money. Smh. This bank is a joke and what's even funnier this is where my direct deposit goes every 2 weeks faithfully. So done with Citibank. Please close the doors and start over.

I have been dealing with these people for 3 weeks trying to get the money in my account. Locked my card. Call. Say can't verify my identity. Sent a letter. Called. Gave them the reference number. Now say can't verify my identity still. Saying my phone number on my account can't send a verifying text. These people are a joke. Don't speak English. I want my money out then closing this account. They are the worst people.

So I opened a Best Buy account within the past 9 months. I use it and pay it off, so on and so forth. I have always made my payments on time, I have excellent credit, and have never had any issues with my two other cards that I have at other banks. When I called to inquire about my closed account that I discovered, I was told that it was closed because I had a returned payment. I knew exactly what he was talking about and tried to explain myself. What happened was that I made a payment to zero out my balance. The screen was loading and didn't go through so I refreshed it and made the payment again until I got to the confirmation page. This caused the payment to go through twice, when I noticed it reflect on my checking account days later I quickly called and got it straightened out.

I am a new customer with the 6 months no interest. This is my second time trying to make a payment online or over the phone and not being able to. It reminds me of when I used to deal with Sallie Mae and they were sued for that. I am not getting off to a good start and customer care is never able to help me. I am just trying to make an early payment why so hard? Red flags for me.

I've been a long time customer of theirs. I'm never late. Over the past year they keep lowering my limit to what I owe them and this is messing with my credit score nor do I deserve a decrease in my credit limit. They refuse to talk to me about this. This month the wrong bank was selected to make my payment to them, when I caught this I corrected this as soon as I caught it and they charged me a late fee and a bounced check fee and a over the limit fee. I called them again. They refused to waive any of the fees. I told them they were a terrible bank, and that I have been a good customer to them and didn't deserve this. So I told them I'd be writing reviews. I figure they are going to mess with my credit I can mess with their credibility. They really are a piece of work. If I had it to do over I wouldn't have signed up with them. It hurts my credit more to close their account, otherwise I would.

I had taken a card a few years back from Citibank UAE. They have a strategy to give initial reward cash to give the credit card. Afterward, they started to penalize for no reason and make money. I closed my card a long time back after clearing the outstanding. I spoke to many agents during the car closing process and finally, they closed my card. I received many calls later that, "You have outstanding for annual fees, etc." I explained that the card had been closed. They mentioned that they were sorry, "We called you by mistake." They are standing in the malls and offering the product. Please don't get fooled by them and don't take a credit card.

I had a fraud alert on my account. I called the number for fraud alert. They wanted to send a text for verification. They would not accept my number that's on the account nor would they accept my mother's. Either they asked for a home phone number which I do not have. They wanted to send a freaking letter in the mail to verify. No one speaks English either. Worst customer service experience of my life. Card is canceled now.

The Citibank online customer service employees have no knowledge, no patience, they're redirecting calls to different teams, very unprofessional, no concern for customer, seems they are not interested on what they are doing.

She's not even letting me asked questions. Just talked, the way she talked is too fast and is not clear either. I am not even finished my question but she hang off the phone. Terrible, I am not sure why a big company like Citibank hire a customer service like this.

June 1st 2022, I check to make sure a regularly scheduled direct deposit from my paycheck made it into my account (this has been an automated recurring payment twice monthly since March), only to find that my savings account is tagged with "account blocked" in red letters...no indication as to why. I use the chat function to ask why it's blocked and am told to contact the Fraud Servicing Unit. I call the next day, get someone who tells me they can't help me, put on hold for over an hour and speak to another associate who tells me my account is blocked and flagged for cancellation and I will receive a check with my money in 30-60 days.

Citibank is the worst banking institution of my life. People hardly speak English, they are not helpful, don't how to resolve your problems so you get transferred from one hardly speaking English department to another. Expect being on hold for over 45 minutes. They closed my checking account for no reason without even letting me know about it. I couldn't transfer any money from my savings. Also my ATM card was blocked several times so I couldn't withdraw any money from my account. Had to go home and spend 15 to 20 minutes trying to unblock it. Save yourself headaches and frustration. Don't do any business with this bank.

I have not been a Citi bank customer very long but have already experienced huge problems three times since having a credit card with this financial company. It’s May 2022 and this is the third time the fraud department has closed the account for strange activity. The customer service is terrible and the representatives are offshore in Pakistan with heavy accents and poor English skills. Also according to Citi bank I can’t close the account until the fraud department completes the investigation. Citi bank has been nothing but horrible and I definitely won’t be using this bank in the future. And I will be closing the account.

I would like to share one of the worst experience with Citibank. On 27 May 2022 I had sent a office boy with the Citibank statement to be signed and stamped for visa purpose. 1. When he approached first she told him get an authority letter then she will be able to give the statement. 2. I drafted the letter sent the boss who was out of the country to sign and send. 3. The next day the office boy went to the branch. She saw the letter and mentioned the bearer name is required with identity proof. 4 . I had to prepare another letter mentioning the office boy's name as authorised. 5. After doing this exercise for the 2nd day, the Citi staff says, "Sorry we don't accept digital signature." When she saw the letter why the hell she couldn't tell that digital signature is not accepted. The attitude of the staff from fort branch, bora bora market was very bad and rude. I urge the Citibank personnel to take strict action against this staff and keep some trained personnel to give proper instructions and avoid hassles.

I signed up for Citibank credit during a promotion. Spend $4K in three months and redeem 60k miles. When I called to redeem, they refused to say that there was no promotion. When I was on the phone, the rep accidentally muted the call so I couldn't hear. Citibank never calls you back even if they hang up on you, you have to call back and start the conversation all over. Citibank is run by criminals.

I had horrible experience with the Citibank double cash MasterCard. The fraud department kept blocking my transaction multiple times even after verifying with them even speaking with two fraud specialist supervisors. Instead of helping me they even cutoff my online access! Took me over an hour and two attempts to call them just to pay off a little balance I had so they will not get any interest on it. After I get the reward money sent to me I will be closing this account. Be aware of terrible service from citibank's fraud department! As there are many other cards with better rewards and service options stay away from citibank's products. Please do your research and see how many complains people are having with online access and other things.

Unable to use Shop Your Way Mastercard on initial purchase despite having info. -- Items removed from cart as soon as put in (they provide the info. but make it impossible to enter it/use it on the order). Inquired on promotion after received card with no information on it, answering in past tense will not confirm promotion through chat (it is supposed be valid for 30 days). Told me to call, they won't even confirm when the account was opened. Very unprofessional. Citibank has a history of using these call centers. All they needed to do was to tell me the promotion is active on the account. Again, fishy, totally unacceptable contact.

On 4/18/22, my living room TV decided to die. I was not in a financial position to replace it or in a medical condition to carry a TV back and forth between rooms every day. I applied for a line of credit on the Best Buy website. I was prompted to call Citibank. On that call, the agent informed me I was approved for a credit card and asked if I wanted the BB logo or Citibank logo. I requested Citibank. Multiple times I asked if this was a regular credit card; I DO NOT want an in-store card only. I was assured this was a regular credit card. Card arrived. BB in-store only. Requested an investigation of fraud. I was lied to to get me to agree to a card I explicitly stated I didn’t want.

I have only one relationship with Citi, a double cash MasterCard. So they sent me this offer for the Accelerate savings account, earning 0.60%. With my current credit union I am only getting 0.05. I planned on sending over $75k right away. The website blocked me from opening the account online due to ‘security reasons’. What? When I call the girl is asking for all my personal info. I’m like you have all that already. She tells me that they cannot see my credit card profile in retail banking, and we’d proceed as if I was not a bank client. I said, "So I will have two customer profiles with the same info?" Yes was the reply. I asked, "What if I opened 6 products, would you have my SSN on file 6 times?" Of course she couldn’t answer that. In the end their total ineptitude prevented me from placing 75k in their bank. After reading these reviews, I’m glad they couldn’t make it work!

I opened the account on December 22, 2021 for the promotion $700.00 with deposit amount of $50,000.00. I read the fine print and I also talked to the banker. So, my understanding was that April 27, 2022, I will receive the $700 promotion. Well, I was wrong. I was on the phone with Citibank customer care, they couldn't do anything. I called the branch/San Marcos CA, and they could not do anything and they said that will call me in few weeks. Citibank has my money for over 130 days and I have not received the promotion was promised. Where do you complain about the ethics and false advertising of the Citibank?

Worst bank I’ve ever dealt with in 59 years. STAY AWAY no matter how much interest they offer you - it’s not worth it!!! Froze my account without telling me for months. Trying to get it unfrozen but their “fraud department” is only in the Philippines (amazingly ironic, no??!!) - After waiting on hold for hours, constantly getting my calls dropped, finally getting a person, only to be stymied by impossible-to-understand accents, dime-store headsets, a 5-second delay, and the worst overseas garbled connection ever, after days of this, I still haven’t been able to get my account unlocked so I can retrieve my money and close my accounts from this god-awful bank.

I started a new job and my company sent me a paper check to deposit funds into my account. The check was to buy my office supplies as I work remotely. The check was originally uploaded via mobile check deposit. After processing for two days, I got an email stating that the check was not readable. So I drove an hour away from my house to the nearest branch and deposited the check with a teller. The teller told me the check would be under a 7-day hold and funds would be released in chunks with the entire remaining amount released on the 7th day. Okay fine, not a big deal but a hindrance to my onboarding process.

I faced this when I changed my employer. They told me that they are blocking my card. When I will get new Visa and EID just upload it. It will be unblocked. I did then after I followed with then every time I make calls I heard different requirements. Still I provided. After providing my passport, Visa, EID, salary certificate, 3 month of bank statement, still they asked me to wait. Still under process. I want centre bank to take some action on such kind of mental harassment by Citibank. Otherwise there will be many more customer who are facing it. Unable to get right way to inform there issues again. Very pathetic bank and their service.

I opened up a Citi checking account because of a special offer I got because I have a Citi card. It has been a nightmare. I kept getting an error when I tried to fund the account from my external (non-citi bank). After 4 hours and 22 minutes on hold (three separate calls), I was transferred to tech support. They got me to a different interface and had me connect my account and make the $10,000 transfer.

I signed up for a promotion where if I gave Citibank 100k I would receive 700.00 after 90 days plus a small waiting period. I 1st transferred 25.00 to make sure everything went smoothly. It did not. Citi denied they had the funds. I had Mastercard open an investigation and yes they did. I then spent hours on hold to get a representative to tell me I completed eligibility for the promotion. He said yes and gave me a date when to expect it. I then called back to ask about transferring money and another operator said I did not meet eligibility. Hours of trying to get a straight answer. Had to write the Better Business Bureau to get a call back. Said yes no problem. Told me I needed to fill out a tax form that nobody had ever given to me. Did that. A week after I was supposed to get funds. Nothing.

I spent the last 2 hours trying to login into my account, three different customer service representative (the last one was technical support) and the only thing that I got is that the bank had my information wrong and that why troubleshooting doesn't work, they uploaded my ITIN number instead of the SSN and that's why when I typed the required SSN my account got locked because it was the wrong information. They didn't even mentioned they will correct the issue, the solution was to use anything else but not the SSN. So they identify the problem, but they won't correct it. Worst Service!! Not to mention how difficult was to understand them.

Worse bank I have dealt with in over 40 years. Almost none of their "Agents" speak English as their first language. Two IT techs hung up on me. I signed up because of a promise of a $300 bonus. CitiBank then linked my Citi credit card to the savings account and deleted my link to another bank that I usually use to pay the credit card without my knowledge. As a result of paying the credit card I became ineligible for the $300 bonus.

Recently opened a Citi Diamond Preferred Credit Card. Used it twice and paid off the balance. Days later I have an alert that says that I need to call them immediately about activity on my account, which amounted to 2 x USD42.00ish purchases. I call on three separate occasions where I am greeted by outsourced Customer Support that only loosely speaks English. I work with offshore Development Teams and can traditionally navigate the language barrier but the first two Reps quite literally did not speak English.

Citibank Mastercard has lost my business. I spoke to 8 (count 'em, eight) customer "service" reps to ask about changing the name on my card from personal to business, spent a few hours on the phone, and sent in a name change request form. Today I got a letter stating that the account had been closed. I called and spoke to a ninth rep who immediately told me that they cannot change a tax ID and that I had to apply for another card. Why didn't they tell me this 8 reps and several phone calls ago when I explained the situation to them?

I don't normally go out of my way to put up reviews, but I am compelled to. I have such frustrating experiences with Citi. With credit cards: very often their "security feature" declines your purchase both online and offline. I experience this multiple times a year and it gets frustrating when you are out shopping to treat yourself and this happens. Their saving account (Accelerate savings): they make it really easy to deposit money, but very hard to withdraw your own money. Even when you try to withdraw there are daily, monthly restrictions. Want to close account? You must call them and wait in line for a long time. Citi makes BOA look like an angel.

CitiBank is by far THE WORST bank I have ever experienced in the last 20 years!! My mom learned about its new promotion recently. She transferred and saved a large amount of money into a newly opened CitiBank checking account. However, after the bank received these transactions, the bank said due to the fraud issue, they decided to block her account for 30-60 days to do the investigation. So far after 31 days, our several calls plus twice local bank visits to provide required documents, her account is still blocked that she cannot withdraw her own money. Obviously the bank is using the "Fraud" excuse to take advantage of consumers' money for its own pockets. Definitely I do not recommend anyone to invest or save money in this bank.

CitiBank is by far THE WORST bank I have ever banked with!! They constantly deny transactions made with my card and then when I call to find out why they give me no info. They just tell me “everything is fine on our end and there are no restrictions on your account”. After arguing long enough they send me to the fraud/loss prevention team just for them to claim I am “not a verified customer” and hang up on me. I have been with them for 6 months and have already switched to another bank. Definitely do not recommend them unless you want every other transaction to give you a fraud warning.

CITIBANK STOLE INTEREST MONEY AND ARE REFUSING TO PAY IT BACK. I opened a Citibank High Interest Savings account online which didn't have a Middle Name field so they rejected my LEGAL W9 Federal Tax withholding form and took out Federal Taxes ILLEGALLY! It took them 2 years to CORRECT NAME on the account and stop taking Federal Taxes out and now they're refusing to re-imburse me for all of the lost compound interest!! Their customer service is HORRIBLE!! I can't tell you how many times they've hung up on me!! One manager wouldn't stop gaslighting me, belittling me and being absolutely RUDE like I was his spouse he abused!!

Citibank offers balance dependent bonus each quarter for new savings. The steps for getting bonus are shown on the first three pages of the offer. You are required to enroll the offer, open a new savings account, fund the account within 20 days of account opening, and keep the balance for 60 consecutive days. In the past, the required “60 days” were counted from the day when your deposit is made. However, from 3rd quarter 2021, CitiBank changed the way for counting the required “60 days”. The new way is to count the “60 days” from the first day after the 20th day you opened the account. It means if you fund the account right after the new savings account is opened, you need to keep the balance for 81 days, instead of 60 days, to get the bonus.

Please run away from this bank as fast as you can!! It is a deplorable financial institution that operates on the premise of defrauding consumers out of money to fill their own pockets. I was a customer for 16 years until the breakdown of this now ill-reputed bank. Also, against the law, they should not withhold funds from anyone being paid through the US Treasury. The latest and greatest disaster with this bank is that they sent me a check earlier this month from my closed account in the amount of $1221.87. Later I discover that this check is no good as I try to cash it and do a mobile deposit.

I received a text message regarding fraud on a Citi account and suspected it was a scam. Called Citibank and went through endless phone tree and 10 minute hold. Twice. Agent could barely speak English, was nearly unintelligible and didn't understand what I was saying. NO NUMBER IS LISTED TO CALL CITI REGARDING SCAMS.

*Sorry for the long post*. I've never had such a hard time paying off a COLLECTION debt! I've been trying to pay off my debt since January but there is always something. In January when I called they said that the account was under "fraud investigation"- never explained! They said call back in 3- 5 days. I waited over a week to call back-nothing was resolved. I called again in February- the account was still under investigation!

I opened an account a month ago. Because I had a large amount of money transferred into the account and I withdrew some money to invest. They closed my account and restricted my access. They owe me the remaining balance I still have in the closed account. Said they would send me a check in 60 days. Never explained why it was closed. From the reviews I have read they have lost people's money and some are still waiting for a check several months later. I think they need to be investigated. What kind of bank operates like this?

Citibank is not the best bank to do business with, I rather deal with Bank of America or Chase Bank because they always make the effort to ease and simplify the issues. Citi customer service doesn't always bring solutions to your needs, and the phone lines quality is almost always bad. Also, they almost never pay you the introductory bonus, they always find something to deny paying.

I started a new Citi Priority savings and checking account online. My intention was to transfer $80k+ from my previous bank to Citi to get better returns. Was in a fix between Citi and Discover. Went with Citi, linked my old bank account for ACH transfers. Initially transferred $100, then $50k after 4 days. These were added as Deposits, not available yet. After a week - account is blocked, called Fraud Department multiple times - got a different answer each time. After 2 days Fraud Dept says account is posted for closure and they will not tell why. I was like what could go wrong?? I was just putting in my money - did not take a dime.

Never before have I had late charges for a 10 day late payment past the due date. Whatever happened to make a payment shortly after your due date. These fees are hidden in the length unreadable legalize agreement on your credit card. Damn those lawyers!! Why can't agreements summarized in a more simple format. Typical of people, they never read the agreements because they are small print, hard to read and another lawyer could understand.

I missed one payment because of not getting the bill, they immediately block your card. No grace period. They will damage your credit. There is no pint of getting any Citibank credit card. Goodbye Citicard!

Citi bank is the worst bank ever. Customer service is very poor. A supervisor wasn’t even able to help with my issue with me having problems with my card. This is the worst bank ever. I’m never banking again.

Have a loan with them on a new truck, charging me for insurance even though I sent them proof of insurance and had my insurance agent on a 3-way call with them who also sent over everything they have asked for 3x. Lost the title to the vehicle, told me it's my problem and now want to charge me for not adding them as a lien holder even though they were the last people with the title. Pure ** company!!!

CITIBANK sucks!!! They outsourced their customer service and all agents are clueless, nobody knows what they are doing, transferring you from one department to another and then hanging up on you because they have no idea how to help you with your problem. Each time you trying to Zelle money to somebody your account gets locked and you have to spend hours on the phone with them till you get somebody smarter than others and he takes care of it in a few seconds. Stay with Bank of America or Chase, they are amazing compared to this stupidest bank ever!!!

This is not anymore a US Bank. 90% of this bank support is in the Philippines. Also not sure who is responsible there for security, it's a joke too. The phone app does not even have an option to view important messages from the bank! I am trying to do an important wire from my balance, it's only 20k and the bank tries everything to delay or deny access to your own money! Be very careful once your money is in it will be very hard to transfer it out! I am filling a complaint on the gov page CFPB! Please find a more safe and reliable bank, the are so many options. I just got lured in by a sign up bonus!

Beware of Citibank. They have lied to me, and refused to contact Paypal. Their actions assured that I would be cheated by a counterfeiter! Use another bank that will provide service and will not cheat you! In December I purchased a coin from Singapore. It was described as choice uncirculated. The coin was not only counterfeit, but also bent. I complained to both Paypal and Citibank.

I purchased a bracelet advertised as 14k gold for $400 which turned out to be 10k. I had already paid for the purchase in full to avoid interest. The merchant refuse to refund me saying "No Refunds" which clearly was not on my receipt, so I open a dispute. I later filed a complaint with the BBB regarding Citibank locking me out my online account. I have to reregister my account each time. The next day, coincidentally, I get a letter from Citibank that my dispute was denied and I had to deal with the merchant. My balance was $460.15, I told the rep, "I'm deducting $400 from my balance and you deal with the merchant." Why have a credit card that doesn't protect their customer from fraud. I understand why their BBB rating is "F", and their offshore customer service is the absolute worst.

I’ve had a Citibank credit card since 1992. Thirty years means zero to this company! As a result of COVID circumstances, I hadn’t used the card in 18 months. I have never had a late payment in 30 years. They closed my card with absolutely no warning because I didn’t use it. I contacted them the day I received the email it was closed and they said, "Sorry, too bad, you’ll have to reapply." I had a different credit card hacked into this past year so I had to put a freeze on all three credit bureaus. As a result of having to reapply for the Citibank card, I had to go through the trouble of unfreezing the bureaus. After that, I spent the rest of the day on the phone with Citibank reapplying.

There was a fraud activity on my account. Someone withdrew $3500 with some Random signatures and Citi had cleared the cheque. No verification was done. I had to close my account as there was another PayPal transaction which was fraud. I’ve not received my money yet. And the customer service is horrible, the phone disconnects every 10-15 minutes and then you have to get in queue again to call.

I reported a fraudulent purchase. I never received my merchandise nor any correspondence from the company. I feel that it may have been a fraudulent website submitted my claim and writing still not received the merchandise. Received a notice that it was denied. I called spoke with the denial department and was asked to send additional written Statement. They had not confirmed that they received my original written statement. I've been with Citibank since 2014. Did not feel like a valued customer. I closed my card and will file a court case against them as well as a negative report with the Better Business Bureau

Customer custom is a joke, The hotline menu is designed to mislead you from talking to a real person. When I finally managed to navigate the option to talk to a real person, it always ended up hanging up the call or putting me on permanent hold.

Less than a year ago my account was hacked and someone stole over $2,000 out of my checking account. After spending over 10 hours (during multiple days) on the phone with supervisors, and the fraud department all I ever got was “We can't take any responsibility for your loss”. Citibank will not protect your money, or personal information. Do not trust this bank! I do not like talking bad about anyone, I just want to share my experience so others don't go through the stress and terrible experience I went through.

I was recently charged by a merchant for an order that I did not in fact receive. On two occasions I supplied Citibank with a detailed account of my experience (6 pages), account records, screen shots, phone records etc., including a reference to similar complaints made by other customers of this merchant. On both occasions, I received a form letter from Citibank asking for additional information. The case was clearly handled by someone following a script, and although it should have been escalated to a manager, my case was not resolved, and Citibank allowed me to be fraudulently charged by the merchant.

This bank is one of the most horrible bank I dealt with when it comes to business. I opened an account and the online website is not allowing me do my business. For ex, I was not able to make a payment easily. It took me a while to find out. Also the checks I issued took a while to get to the receiver. A few got lost. There is no customer service that is easy to approach. When I call I talk to someone in Asia who can't help then I have to be asked to speak with the "banker".

I had a student checking and it was zero fees. Accepted the invite for a priority account due to the "ease" of transferring higher amounts of money 500+. Anyhow the fee to have the checking is crazy not to mention the 68 overdraft fee. What a trip. As if the bank is living paycheck to paycheck. Time to be Robinhood. No wonder everyone uses Coinbase and crypto money transactions are light speed and no one can bombard you without outlandish fees in fine print with a liability disclaimer.. Ahhh Citibank you used to be a better bank when you were smaller and gave darn about service. Now I have 3 more other checking accounts to test who outperforms the other, Citi sure is coming in last....Traditional banks are very slow operating on SWIFT time for change for the people.

I have been with Citi for 23+ years. Nowadays service is degrading. When you call them they give you run around as they have too many phone numbers handling various services. They removed "Contact Customer Service" secure message option from their online/web page which allowed customers to submit their complaints/questions and let appropriate team pick-up the issues in 1st attempts instead of asking customers to call various numbers 800/877/888 etc.... Recently I was opted-in for paper statements of my bank accounts without my permission and that issue is not getting resolved since Jun-2020. I have called 5-6 times and no luck as call goes to off-shore where they ask me level 1 steps again and again with no success. I will be soon taking my business to some other bank which has branches in NJ and can help fairly quickly.

The Home Depot credit card backed by Citibank will not let you pay the bill in the month before. My due date is the 4th, so I was paying 8X the minimum in the month before, and they assessed me a late fee. This must have changed for 2022, because I have paid the month before EVERY month for years without any issue. When I argued this, the woman on the phone just kept repeating "you can't do that." If I have to pay each month's payment during that month and before the due date, that means I have a 4 day window to pay my bill every month. I told her this was a ridiculous policy. I insisted she remove the late fee (BECAUSE I WASN'T LATE), and I paid the balance in full. I told her I would NEVER use Citibank again, and I would be making this experience public knowledge. She didn't care. So, beware what bank backs your store cards. The no-interest promotional periods are lovely, but not worth this kind of ridiculousness.

I thought coming into Citi Bank it was too good to be true. They seemed perfect online and in person I really thought they were going to help me. But they never followed through when I noticed some fraudulent charges. Instead they just blocked my account and said they would mail me whatever they owed me. Clearly they are so disorganized they did not even have the right address. I tried to speak to a lady, so we could resolve the issue together. Instead she just yelled at me, was extremely rude, and just hung up on me when I was trying to understand what happened. This is by far the worst bank I have ever banked with. Based on previous reviews I have noticed they do not value their customers. Hopefully they can change and own up to their mistakes. My old bank was way better than this bank will ever be and I will be returning to them even if I do have to pay a fee.

I was called by the CITIFRAUD dept about two fraudulent transactions which I oppose to and while in conversation they saw a Zelle transaction took place which we both Agreed that was an unjust transaction. So, the representative place my account on high priority for 30 days (blocked). And advise me to open a new account as a new relation client. I was adamant to open a new one knowing that I've bank with them over 24 yrs in good standing.

I've tried using Citibank before and had issues with them. I thought I would give them another chance but because their system for some unknown reason couldn't send me a text to a phone number I've had for over 20 years with a code to verify my identify they blamed me for it (after being on hold for 30 minutes) and closed my credit card. I won't make the same mistake with them again. Don't bank with them. BIG mistake.

Without any warning CitiBank closed my checking account in July 2021. I received a letter saying that account will close in 60 days and that the funds will be sent out to be via a check in 30-60 business days after closing. The money had come in from the SBA EIDL and some funds had been transferred from my mother's Citibank account. By the end of July I was assured the balance on the account will be sent to via check in 60-90 business days. Come Nov/Dec I called back upon not having receiving the check, I was told that the initial check will be canceled and reissued and sent out once again.

I have a very bad experience with Citibank and do not recommend their services. We opened up a new account with Citibank and transferred funds from another bank to cover our checks. Without any reason or any explanation Citibank blocked our account. They said that they will return our money within 60 days. Meanwhile they are using my money but how we supposed to pay our bills? Is this the right way to treat customers?

Citibank promised me a $100 bonus payment if I deposited $10,000 in a Citibank savings account and left it there for a period of 90 days. When I called them after the 90 days had expired to inquire why Citibank had not credited me the $100 bonus their literature, soliciting my business, promised me, I was placed on hold for over an hour, waiting to speak with a representative. The representative, when they finally answered the phone, advised me that Citibank wouldn't deposit my $100 earned bonus until February 27, 2022, forcing me to leave my $10,000 for an additional 60 days in my Citibank savings account. Citibank misrepresents the facts to obtain new customers. Their customer service is terrible, they don't answer their phone and they blithely defraud their customers by making promises they have no intention of keeping. AVOID CITIBANK AT ALL COSTS UNLESS YOU ENJOY HAVING A HEADACHE!!

I have had to spend over 6 hours with customer service just to get my $50,000 back out of this bank. Still trying but it seems like putting money in is easy getting your money back is impossible. DO NOT USE THIS BAD BANK.

Screw this bank. I'm filing a lawsuit against them today. Don't bank here. They blocked my account and locked my card after l just got it in the mail and foreclosure my account. This bank is a fake. Don't bank here. Keep going.

We went on-line and searched new banks to join since we were moving out of the Atlanta area soon, and into the North Carolina area. The best "offers" were with Citibank. We sold our home a few days prior, called Citi, set up some accounts and transferred money. (They have a promotion with +$50,000 in the account for $1500 incentive). We did this starting in November 2021. We moved all of our banking, one-at-a-time, to Citi. Today, they closed the account without any notice or reason. (We have digital notifications on our mail and there is no letter in our USPS box either).

SO I OPENED a checking account with Citibank. I had the account less than 3 months. I got direct deposit going. Citi bank decides to block my account due to a $24.50 cent overdrawn which was my very first time overdrawn so I head over to the bank and deposit 100 dollars to my account which they took and my account never went back to normal. I contacted their customer service which is a joke. Foreigners overseas who really don’t care about the consumer. I feel we all who has had a problem with citi bank need to report them to the federal reserve then start a class action lawsuit. BIG CORPORATION’s like this need to be made a example out of sue to them feeling they can treat us any way they choose.

I always have enough funds and constantly check my balance before making prior purchases, in fact CitiBank has its system glitch which can't even provide accurate data to its own employees. They returned a credit payment check and applied fees for that on my account despite me having way more enough funds to cover expenses and this is now the second time. Their STUPID system can't even do proper math because of that they keep stealing people's money by saying you didn't have enough funds in your account which is an absolute lie!

Within 3 days an active card in good standing for 7 years was closed, I was required to submit a new application for the same card and denied. No major changes occurred to my credit or income. What a joke.

I’ve done a lot of business with banks and Citi is by far one of the worst. I opened up a checking/savings account and then two days later couldn’t log in to online banking. I called and waited for an hour and they told me my account was flagged for fraud (with no transactions) and that it would be solved within 24 hours. So I call back 24 hours later and they tell me the same thing…wait 24 hours. I ended up waiting 5 days with no result until I found out ON MY OWN that I had to make new login credentials. Customer support never told me that after the 5-7 times I've called.

getting logged into CITI. The site WORKS OK, just sooo slow.

Within less than 3 weeks they locked my account for 4-5 days twice. This is the 2nd time they locked it and it is still locked. Wells Fargo any lock issues they send you a text to verify and unlock or you call once and it is instantly unlocked. Citibank is garbage. I have bills and cannot even spend money to pay for my gas. Use Wells Fargo, Navy Federal Credit Union or any other bank, Chase. But do not ever use Citibank EVER! Just here to help people from non-sense headaches.

My wife and I applied for a credit card and were approved for a $1600 dollar limit. We came up short on my last paycheck because I was sick and my job has no sick pay. So in order to finish our Christmas shopping and get groceries to last us until my next pay day we went to use it. With tax our purchases came to around $440, well under our already approved line of credit clearly. It declined at the register, so we called customer service to try and clear it up. After waiting OVER AN HOUR my wife finally talks to a representative who says it was flagged as potential fraud and that they would send us a letter, but otherwise there’s nothing they could do to help us. Despite the fact again, we had not put ANYTHING on this card! So she comes to the car crying to tell my daughter and I that ALL the products we had picked out we couldn’t get until we received a letter from Citi Bank. I was absolutely incensed.

Deposited checks business and personal, from the same customers (working with the same people for over 4 years), and Citibank decided to take 6 days to cleared them. It's a business account, I need that money to keep going. Why??? They said that they released a % on a schedule, but you can't used it, even though it shows as available, again??? I prefer to work with a more consistent bank, your check will cleared after 3 business days, at least you know.