Citibank Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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!