Citibank Reviews

Stay away. Far far far away. I opened a Citi account when I moved from one city to another and my current bank wasn't available in my new city. I was also selling a house in the old city and found out right before closing the water heater needed replaced. My mom writes me a check to help cover the water heater costs. I deposit it into my Citi account on a Friday and come Monday, I'm not able to log into my online account. I can't login and I can't change the password. I find this strange so I call Citi.

Updated on 10/09/2019: Clearly states, open a new savings account for 60 days and then receive a 400 dollar. I opened May 1st 2019. Waited to August 1st. Was told they need more time about 15 days. to process. I came back Sept 1st and told again any day now. Ok I come back Oct 1st. They say about 24 to 72 hours it was all processed. Well today is 10 9 19 at 4 pm and when I made the fifth trip there, 20 minutes, I am told maybe another week. I guess they can play this game as long as they want. I can not remove my money and so I am hostage now. 5 months with no end in sight. Will never use Citibank again. I warn everyone I know.

I have been with Citibank for over 28 years. They were truly the best bank for years. After shutting down so many places and you have to go 7-Eleven to access Atm and the services were simply getting worst, which in this case should get better, since they are mainly online. I decided to go to Credit Union, what a difference it is, how a bank should be run. Operating a business like it should be. I did not close account, as I thought it is good for back up. Recently, misplace/lost my card. Although they verified me in multiple ways. SS, bank account, atm passcode, address. They asked me questions of 20 years ago, which I did not answer correctly.

I got ripped off by a merchant and supplied them with the information 4 times. I would call. They sometimes said they see it and sometimes not. Then they dropped the dispute saying I never supplied any information. I tried in vain to get them to reopen the case because it isn't right that this business gets away with being crooks. After 3 tries I gave up. All during this process I received conflicting information via email and phone calls. At this same time I was trying to open a savings account with a $100k estate I received. Again, it was impossible. Conflicting conversations and emails and they finally dropped my attempt. Could never talk to a manager in the United States. Pathetic. Long time customer says Goodbye.

So after paying the five dollar fee and having an account open I proceeded to withdraw $150 from my Chase card. Only to find out once it was transferred that it would be a four day hold. On the funds that were already withdrawn from one account are now tied up in a four day hold, and I’m $100 short on my rent. I would’ve never transferred that money if I had known the outcome would be I would have to wait until Friday! Had I known about this four day hold I would’ve been better prepared. But nowhere in the paperwork does it tell you anything about deposits waiting for days. Had I known this I wouldn’t have sent the money or opened the account.

I attempted to open an Accelerated Savings Account online. Four-weeks into this nightmare, I am no closer to having any idea as to where my information (SSI, signed W-9 card, signature card, a copy of a current utility bill) has been posted. What I do know is that every time I call, I get a different story about where and what is going on regarding this account. Multiple transfer, inept and grossly unqualified foreign CSR who are in many cases difficult to understand. I was advised to call back today, October 3, to confirm that the information I submitted was receive and my new account would be activated.

Citibank's "Fraud" Department cancelled my ATM/Debit card for some unspecified fraud concerns, for "my protection" and never notified me, I found out when monthly bills were declined. Then it was like Twilight Zone, they never notified me, and after 4 calls to their customer service line over 3 weeks, where I was politely told the new card was on the way, I was then told they could not order a replacement because my main address was a PO Box and they can't send it there. So 3 weeks later, and after 4 calls, no new card had been ordered, despite assurances it had been and they just weren't planning on telling me. I still don't have the card, yesterday they assured me they would "rush" it to my street address. Bizarre.

I have never had such consistently horrible service from any company. Every time I call it is a complete nightmare to get connected with the right agent. As of writing I have been on hold for over an hour trying to unlock my account so that I can finalize the purchase of my home. I still haven't heard from a human in over an hour.

I have been a Citibank card holder for over 20 years, however due to medical reasons and medical bills, I decided to enroll in a debt Relief program. Citibank refused to help me, would not allow my card to go into a debt relief program because of a previous attempt a few years back. I would highly recommend you do not use Citibank, If you ever find yourself in financial trouble don’t Count on Citibank to help you at all. I would also like to point out for over the last few years I have been on time with my monthly payment.

Citi Bank make it incredibly difficult to make a payment on your credit line. There is no way to make an online payment if you don't have a checking account with them, really in this day and age. You have to mail in or call a customer non service center. Most of the customer service people are very difficult to understand as they are obviously off shore. If your question or help needed goes beyond their narrow focus you are doomed to be put on hold for another 45 minutes. In this instance I made a payment at a local branch, received a receipt but the payment was not processed for a number of days after the date I made it. I was assessed a late charge for this transaction and thus so far today I have spent 2 hours trying to get the charge reversed. Poorly trained staff, hopeless access to decision makers... stay clear.

I found fraudulent transactions on my Citibank credit card and called customer service. I was connected to a call center in India. I could hardly understand the male representative but I managed to cancel my card and order a new card. After it was resolved, the male representative started asking me personal questions. He was very persistent in wanting to know my exact age, exact birthday and if I was married. He already had my home address, phone number and email address. I asked him why does he need to know my age (Citibank reps have never asked me for that information in the past). He said he asks all his "female" callers this question. He went on to say that he knows women are vain and don't want men to know their age or weight.

After 21 years of banking at Citibank, I am finally closing my account. From assigning all my kids the same ATM number for custodial accounts to saying a check was in Canadian dollars when it was U.S. [yes, had to have it pulled], there have been so many problems. But the final straw was my interactions with a "personal banker" named Roman ** when I went to check on paper check deposits that weren't showing up in my account. His first reaction: "That's certainly not my fault." [Did I say it was?]

I tried to cancel an external account transfer but it did not show up as even initiated. I called the bank and the associate said it was a mystery as they could not find the transaction but in addition, there was nothing they could about it. Of course, the transaction went through, causing to have my external account to be overdrawn. Also, they have a $10,000 daily limit for transfers, holding my money hostage. Funny how my $70,000 transfer went through, though. Run from this bank!

I have 2 Citi credit cards for years. I always made my payments on time. The credit limits were up to 15,000 on each card. I miss a payment on one of the cards due to my daughter in law and her husband was killed in a car accident, and things were building up on me mentally. I get 2 letters from the bank that they are lowering the credit limits one to 850.00 and that card happen to be at 7% interest. The other they lowered it to 4,000 which happen to be at 20%. I wonder why? It cause my credit to dive, due to lower credit limit. At the time we needed credit due to expenses, they close the door. Not sure what we are going to do, but thought somebody else might be able to watch out for a better bank. Thank you.

For the first time ever I tried banking with CITI Bank online. I transferred a large sum of money to account. Then they froze my account. I have made 11 calls in last 5 day to either their customer service or fraud department. They froze my external bank transfers and won't allow me to withdraw the money I deposited. This is seriously affecting my ability to pay bills and/or transfer money. They seem totally incapable of solving the problem. They use foreigner in their customer service. I have no problem with that but trying to communicate with them is very difficult because they are not fluent in English and cannot fully comprehend the nuances of issues. So now I cannot access my money or transfer it. And, there are NO Citi banks in the state of Texas to go to to close account and get my money. I booked a flight today to fly to Florida so I can close the account. Don't do business with this bank. The hassles are not worth it.

In June 21019 I set up a Citi Accelerate Savings Account to obtain a higher interest rate. At the end of July Citibank closed the account stating I had not completed paperwork and my funds would be returned within ten (10) business days. (The only paperwork ever received were letters opening and closing the account). Nearly two months later the funds have not been returned, are not accessible to me, and are not earning interest. Calls to the main number are inevitably transferred and I am given different misinformation as to the status of my funds. I am never given a direct number to call. Most recently I was asked to provide a current utility bill with my address on it and I have complied. I am still awaiting the return of my savings.

Citibank was cool for a good 3 years then they lost it! I randomly had all of my accounts frozen for a few weeks without explanation. Every time I called I had to go through 20 questions to their from my account. Then, the number of times that I kept saying my name got to the point where they would actually say my name incorrectly when repeating it back. Then they blocked all access to my account saying that somebody was calling alleging that they were the owner of my account but it wasn't the correct name. But of course. It was me. They just weren't letting me access my own accounts.

I disputed the transaction which I did not use. But they said, somebody physically showed up and used it so I need to pay for it. I’m not even sure what they investigated. They did not even check the receipts or cctv. They even notified it to me 30days later so Merchants could not even provide me the receipts since they keep it for 30days. I think Citi bank purposely did that so that I cant prove the truth. It seems to me they did nothing and no willingness to help customers. They even pushed me as a liar that I used card and I disputed. Very low quality company!!!! I have decided to file it to police dept. Everyone, please do not trust citi bank.

DO NOT BELIEVE that you will get an email "ALERT" 5 days before late fee and interest charges occur. Spoke with CSR and could not get fee waived. Have been a Citi customer for many years, without a single late payment. That is gratitude for you! Missing an email statement was costly. I am now back on the USPS service with paper statements and will drastically reduce my usage of the Citi card. To me, it is nothing more than a FEE GENERATOR for Citi.

Banked with this nightmarish bank for like a decade and they cannot provide bank statements either online or via email. I closed my account recently due to relocation outside US. When I asked for my bank statements to be emailed to my registered email they were not able to send me the copies of my statements. This went for 3-4 months. At last I gave up and asked them mail me the statements to my registered US address, they first told me they have serviced the request and statements were on the way. After a couple of weeks, when I called they said that the request was never serviced and that for the request to be processed I have to pay a service fee. I was willing to pay the service fee but then they told me that I have to pay it in a branch. I have relocated to Europe and Citibank branch here. It's a nightmare dealing with this bank. Worst bank ever to do business with.

Forty years banking here I get a flurry of emails announcing they have sent a new credit card to bump me up as a loyal customer for a benefit of concierge services I didn't ask for. Email states I should have card but I explain in call to customer service I didn't get it. Did get a Citi statement indicating my card number was changed: but to what? Statement doesn't say. However, CS says she can't tell me if the new card was or was not sent or what the new account number will be. (Puts me on hold, then): Oh, cards won't be sent out until mid September. Two weeks pass, today email reminding me to activate this alleged new card, I call CS again, no honesty there. Furious and disappointed and worried over identity theft due to the careless way they rolled out this new so called benefit.

I had 2 cards with them and tried to apply a credit from one as a payment to the other. Long story short, 2 months later and being reported to my credit report they had it all screwed up and blamed it on me! Actually lied to me and said they were refunding my money to my checking account and took all my info but later said oh no that was denied. AFTER they had me pay MORE money. BAD CUSTOMER SERVICE.

Last year I opened a Premium Select Advantage card with Citi bank. In July I rec'd a statement with an annual fee of $99. Since I was not using the card I called to close the account. The rep suggested changing to their Advantage Mile Up card so I could still get airline points and there would not be an annual fee. So I agreed. This was on August 2nd. A few days later before I had even rec'd the card for this new account I got an email requesting payment be made. The new account showed a balance of $99 that was transferred from my previous card. I called on August 6th and spoke with another rep that told me the fee was being processed/reversed and would show as a credit on my next statement. So then on September 6th I rec'd another email saying I had a payment past due. The $99 fee still had not be credited to this new account. In fact when I log into Citi Bank it shows I have two card with an outstanding balance due of $198!

I was unable to access my account information on the mobile app or full site online. I called several times with no help. I made one last attempt to figure out what was going on as I was shocked. No one returned calls or attempted in any way to contact me with any potential issues. I finally reached someone and they simply stated the Bank can close accounts any time they wish. I used to respect Citibank but with behavior like this I have reason to claim their unethical business behavior must be in some way based on bias. I still have received no correspondence or anything indicating account closure. This is just plain sad business practice and from such a large institution. If anyone deals with this Bank, I wish you luck. I will be taking my business to an institution that is customer friendly and will treat me with respect and equality and without prejudice.

I set up one of Citi's high interest savings accounts back in April. I was immediately told the account was not open. Oh well, I moved on. In July I get a statement that the account is overdrawn due to lingering service fees. Wow, did not know I had an account! So I gave them a call. Since they waived the fees and the interest rate was still high, I decided to keep the account. BAD, BAD Move!!!! Within the month, I already deposited $10K. When I tried to move money to cover an account, I got an error. After weeks of being told it was a technical issue, I was finally told my account has been restricted because they could not validate the address I provided back in April.

Hours caught in their automated phone system trying to get to an actual person to talk to. From there it was getting transferred around until getting hung-up on. Still haven't been able to resolve any issues with them. There's no longer a way to even send them an email.

Worst bank ever. Broke promise to give promotion bonus. Holding my checks for no reason - causing me loss of fees on returned checks and they don't bother to notify you. Never bank with Citi. They are not bank. They are robber with incompetent staff. Worst bank ever in the whole entire universe.

If you want a excellent way to contact CitiBank Support; with a real person, fast response and a excellent support agent, (forget using their mobile app). Text Citibank through Messenger. You'll be surprised by their effort to help you resolve your issue!

Citibank KYC Department is an absolute scam- not in the traditional sense whereby a 3rd party purports to be Citibank but in the sense that the actual Citibank KYC Department is filled with bullies who understand very little and spew lies regarding your safety and how they have your best interest in mind. The questions they ask and the documents they insist on collecting is nothing more than an attempt by the 3rd largest bank in our country attempting to compile a dossier on every single banking client they have. They will come at you without regard for your time, your concerns, and most importantly your privacy. Sometimes they will come at you more than once in a 12 month time period, they are relentless, they are nasty, they are rude.

As someone recently stated before, customer service doesn't give a crap about any issues and show NO mercy. I NEVER have late payments but due to Memorial Day recently and the bank being closed, a payment got to them late. ONE day late. They still dinged me with a $25 late fee. I have been a loyal customer for YEARS and always pay at least double my minimum payments, if not paid off fully early. As they have no interest in maintaining my business, I have paid off and closed out my accounts. There are many companies that will value a customer's business. This is NOT one of them.

This review is related to my recent interactions with Citibank on multiple occasions.

Saw the 2.36% interest rate online with no fees if $450 kept as balance so verified rate and terms with associate by phone before applying. Went online to complete opening of account. Got signature cards in mail but no verification of terms. Called Citi and it took very long time to get through to someone who didn't speak English very well and was told it was 2.16% interest with $1500 balance required to waive fees. He couldn't close account because transfer money not yet available. Called today, and closed account. Person I spoke to didn't care why I was closing it or that it took 15 minutes to get through today. She said she'll bring it to her supervisor's attention. Of course she will and then they'll fix all problems and no one will have to go thru all this crap again, right!!??

I made a huge deposit in order to become a "premium" Citi customer. If not being able to reach a real human, get any real help, or have any questions answered is the Citi way, then please go for this bank and account. Service is horrible, attitudes are worse, and employees give no indication that they want to help or understand your frustrations.

This was the single most horrible experience I have ever had with a bank. Customer service is HORRIBLE, and the right hand doesn't know what the left had is doing. Spent hours on hold and got no answers. In short, I opened a savings and checking account, because of the promotional they were offering. They kept asking for a signature card, driver's license, etc; I provided all of that, was approved, opened the accounts online and funded them; then today I go online to check the interest that was to be applied because it was the first of the month, and both accounts had been closed; I tried to chat with someone on there, they couldn't help, then I called and the nightmare got worse; over 2 hours on hold and never got help. They are inept, and they are horrible. Do yourself a favor and avoid them.

I applied for a credit card (Home Depot) through a nice (but young and inexperienced) young lady who was trying to help me get a better price on a caged work light I was going to put in my attic. She was nervous, and made a few mistakes on the app that she started at her computer station out in the store. (I had similar data entry issues at customer service later, but that wasn't because of the earlier errors, just annoying and part of a cascading series of errors on the employee's parts.)

Horrible GARBAGE COMPANY! It is hard to get a person on the phone and then once you do it is the foreigners probably in Asia or India. They can't speak English and it is impossible to understand them. They keep saying hold on and and transferring me. They wasted about an hour of my minutes on my phone and I still didn't get service. I asked them for a card that doesn't broadcast my number wirelessly for the thieves to steal and they all played dumb or didn't know. I said American Express and Discover offer them without it. They said they were going to call back and never did. The first time I called they pretended to not be able to hear me. This company is way below the basic standard of service. I guess I will give up and cut it up. They are a total waste of my time and impossible to deal with!

I made a monthly payment to Home Depot who uses Citibank for financing. They received the payment 2 days before it was due. They deposited the check from Chase bank with my account number all over it. They sent me a statement showing that I missed a payment and added a $26 late fee. I faxed them a copy of the payment and haven't heard back yet. They deposited the money into someone else's account or pocket. I now am missing $150 payment plus $26 fees and my credit now shows that I missed a payment. Citibank is bad news. Incompetence is overflowing. Customer support can't do anything to contact the department that handles payments. I have 3 accounts with Home Depot. We've purchased around $10k at Home Depot. I now will have to pay all 3 accounts off to a Chase 0% card. I can't trust Citibank again. Buyer Beware.

The application process requires a physical address. My town has only PO Box delivery. An hour on the phone netting varying answers and explanations claiming they will not deliver to a PO Box, then backing off and saying I would have to reapply to verify that PO Box, though admitting that was not possible since the app requires a physical address. Are these people lobotomized when hired?

Updated on 09/11/201: I opened a savings acct online in August 2019. The acct was open and active and I funded it with $--,000. I went to check on it a few days later and found it had been closed, with no notice to me. I called Citibank and stayed on the phone with them for hours before I was finally informed that the acct was closed because I used my mailing address (a mailbox at UPS) for my address instead of my physical address. I was told I would need to open a new acct with my physical address. After spending hours on the phone with different reps, I finally gave up and did it online myself. I sent in a photo of my license and a copy of my utility bill to prove my physical address (even though my driver's license does not have my physical address on it, they demanded it anyway). The acct was opened and I called to transfer the $--,000 they were holding into the acct. Only then was I told that they had to hold it for 10 days for some reason.

The products offered were very good but the customer support needed to get the accounts set up were lacking to say the least. After a lengthy series of set up questions over the phone, they were going to mail me a paperwork packet to fill out. They never mailed the packet....

Very bad service on thankyou points. I have opened checking account from their offer that I received 3 times, with few activities to perform for bonus Thankyou points, did everything needed and verified with Citi customer service, and they are not sure when can I receive my bonus thankyou points, they keep saying 30, 60, 90 days from activity completion. It's close to 6 months now and I didn't receive thank you points nor any piece of answer to this offer. Never had this experience with any other bank. Every time I call they say, "We will check and call back in 24hrs," but they never do. Poor service and if there is a chance to rate "-"* I would do that.

As soon as I received my card, I went online to set up my online account. Their online system must have been glitching, because I input my information correctly and it was telling me that my information did not match their records. I called customer service to get help setting up my online account. They were able to send me a text message, verify my identity, and help me set up my online account. Immediately, a fraud alert was put on my account and my card was locked down. I called customer service about the alert and they were now unable to send me a text message to verify my identity, which I do not understand, because they had just sent me one in order to help me set up my online account.

So I got an offer for 2.36% to open a Citi savings account. I have enjoyed my Citi credit card so I figured sure, I'll go for it. BIG MISTAKE!!! What a horrible experience. Citi makes it very very easy to transfer money into Citi and about impossible to Transfer money out of Citi. I was told I had to pay for a wire transfer of money to go out. There was no other way to transfer money out.

Citibank delayed processing of payments for credit cards, car loans, mortgages or checking account to cover checks resulting in higher interest rates or fees for insufficient funds. Citibank has been allowing payments delayed by IT problems or other issues to go unresolved, resulting in interest rates to be improperly raised or numerous fees due to insufficient funds. If there is enough interest will consider filling a class action lawsuit.

I called 8/8 due to fraud charges identified. The agent cancels my card and gets me a new one. On recording I confirm multiple times ALL CHARGES ON 8/8 are fraud. The agent went over the transactions with me. She didn’t report them all. Now here I am 8/17 I have the transactions still on my account and have been charged interest on things I didn’t buy. Now I have to wait an addition 5-7 business days for them to refund my money when things should have been done properly in the first place. I am so dissatisfied and disappointed. I wonder how many people are defrauded that don’t double check they got their money back?

I wanted to open a high yield savings account. Citibank's accelerated savings account kept coming up as a result in my Google searches and in articles, so I tried starting one. First, the online application didn't work simply because of something as stupid as a letter limit to some of your personal information. I was typing inaccurate information, but their website was so poorly designed it did not account for the possibility of cultural differences in name lengths. When I called for help, it would take a couple WEEKS to get it set up unless I did it online. So I tried again online, made up a password other than the prompt it asked for since it wouldn't allow me to type in the full correct answer, and then it wouldn't allow me to link my bank account.

Signed up for an account because of a great promotion. It took over two hours on the phone due to the agent typing slowly and not knowing basic answers. They got all my transfer information on day 1, but did not mail me the necessary signature page until a month had gone by despite multiple phone calls. I returned it on the same day, and was assured that my account was eligible for the promotion. Fast-forward 6 months. They say I am ineligible because they didn't transfer the money until the 32nd day of the account being open (30 day window). I called several times in the interim to verify that the account was on track and eligible. I appealed and was refused. Deceptive tactics. Closed the account.

I opened an account and transferred a large sum of money to open the account. Once the funds left my bank I received a voicemail from CITI fraud department. I have tried calling back 6-7 times and get put on hold and NOBODY can tell me where my money is. I am told the "back office" will call me. You have to go through 3-4 minutes of being put on hold every time you call and the people you talk to know NOTHING!!!! I don't see how this bank can operate this way! No wonder they offer higher interest rates. They have to get people lured in somehow. Can't wait to close this account and find another option!

I opened an account with Citibank in April of 2019 online. Everything went fine until June 19th, 2019 (almost 3 months post the opening of my account). I was attending to use my card on Google Pay when it asked me to verify my phone number, but I'd gotten a new one at that point. So I was prompted to call Citibank to verify my phone number. After speaking with a representative at Citibank, I was informed that my account had been blocked. I asked "why" and they said because fraud was detected. I was asked a series of security questions, in which I answered and then I was informed that the account was released, or back in good standing. After getting off the phone, I tried to use my card and it wasn't working.

For the past two months, every, every weekend, my touch feature on my iPhone locks me out of my Citibank App. I have to go through many steps to unlock it, change my password again and again. I have been with this pathetic bank since 2005. The customer service people are always in the Philippines. They don't comprehend a word you say. I get transferred to a US supervisor and lies, BS, are given. I then get transferred to the Philippines again with an online tech who again needs to make his brownie points, doesn't understand a word I'm saying. I AM SICK OF THIS BANK, IT's PATHETIC.

I have been a Citibank customer for only 5 months. Below is the issues with them: SSN number requirement for additional authorized credit card user. Rejection of secured credit card for $500 while much much more was on deposit. Every time I tried to login my online account I am being asked for date of birth, SSN, bank account number, debit card number or debit card pin. (Are you crazy!?)

Well I deposit my check good size amount and the next day I had funds available. Didn't touch it. I had negative balance. Before I deposited the check I noticed they didn't take out yet so they lock my account, took their money. Still have my money about 1200 dollars. Ask them why did they do that. They needed to conduct conversation so I allow them to. For about 2 months already I still get alerts. It's their call. They won't let me back in or close the account so Citibank refuse yet you take what your own and I lock it my account. I demand my money. I have started a petition.

There was a $2,000 draw made on my debit card with another bank which only show up as authorized on 7/31 Citibank NA/Citibank. I want to discuss this with someone in the Fraud Department at Citibank. I cannot get past any of the recorded and electronic receivers. That is ABSURD!!!

I am pre-closing my personal loan. To get the details I called to customer care. That guy is worst fellow, he is too harsh, didn't give enough details also. ** Bank, ** Service. I will not do any operations with Citibank going forward.

I have been banking at Citibank for over 20 years. They changed names a few times but I always stay with them. Their customer service is also good. They always help me if I have a problem, most times they can handle it through the phone. I have been very happy with Citibank.

If I give 0 stars I would. This bank is a joke. They want to double charge you, the post the payment and the next day it’s pending. The managers are just as stupid as the customer representatives, I’m looking to file not just a complaint, but an investigation of Citibank practices. I hate this bank... They will never get another penny from me.

Unethical financial policies. Avoid any sort of fixed payment options, because if you want to pay out early you still have to pay a minimum period of interest. Utterly disgusting. Their interest rates are ridiculously high. If you get into financial trouble, you’re trapped in an endless interest paying loop with no reduction of principal and can’t get out. They WANT you to get into financial trouble. They make money out of you being in financial trouble and they worsen your status than when you get in. I’ve bled so much money through these disgusting thieves. Never again.

I just opened new Citibank account. They send me the card in the mail and then they decided to closed the account 6 days later after they shipped me the card. I have three Citibank card that I hadn't even had a chance to use yet. Citibank is the worst company to bank with. They even give you a chance to get your account up and run before they closed it. I'm so annoyed with Citibank right now. They can't even help you with your account problem. The excuses they come up with is bunch bs. They need to be investigated and sued for how they closing people accounts for no reason at all.

Terrible call center. 1. Noisy background noise. 2. Cannot transfer to a USA rep. 3. Cannot fix problem without being placed on hold. 4. Cannot understand call center person. 5. Cannot get statements mailed to house.

I have been a Citibank customer for 28 years. Don't always use their card because there are better cash back offers but I kept it open just in case of a unforeseen bill or medical emergency. Got letter today account is cancelled but I just used it a month prior at a restaurant. Called them and said there was nothing they can do but I can re-apply. Yah ruin my credit twice. Once for a account close and once for hard inquiry. ** them. They should read their own motto.

This is what happened with me... Citibank mobile app and their online banking are horrendous. They never show you the correct amount and then all of a sudden you see is overdraft. This happened with me more than 3 different occasions. It showed me in my app I have certain amount which is completely wrong and let me use the debit card for past 2 business days and all of a sudden when you deposit money you see overdraft??? How is this right? Why my debit didn’t decline all these times? Why the amount in my bank mobile app constantly gets updated when I use but not actually telling me the true amount and see Overdraft all of a sudden?

Customer service is completely lacking. They didn’t inform me that a credit card account was going to be closed due to inactivity, and wouldn’t reopen it when I requested. It was in good standing, but had a great interest rate, so they didn’t want me to have it.

I told them to take money out of a certain account I had linked to them through their Best Buy Visa card. They proceeded to go and take money out of both my accounts for the same amount when I was informed by the consultant they would only take out one. Caused overdraft fees and their manager and associates basically told me to get lost by trying to fax a claim to their fax machine, which they said the answer will most certainly be no. Can't wait to end card after my payments are finished soon.

Hi. My self Jaspreet **. I have account with you from last 4.5 years with. Very nicely used but from last 2 weeks I have worse bad experience with Citibank. Here is problems below... if you can fix in 1 day is good otherwise I never use Citibank. I deposit 2 checks which I forget to write name on front but I write my name and account number on back side. We are human. Sometimes we did mistake. I forgot to write name. But due to this mistake you blocked my account and I didn't used for anything and no one call me or text regarding this and I have money in my account but I can't pay to anyone and everyone call me.

Opened an online bank account with Citibank, N.A. Received a debit card, checks, made a deposit of at least 10,000.00 (multiple deposits). When I called Citibank, N.A., the automated system indicated that they could not find a checking account associated with my debit card. I called the 800 number today, was asked why I had not been using the debit card which I had less than 14 days, then was advised that the Security Department placed a "hold", "freeze" or "block" on my checking account. Why in the ** would you open the account, send me a debit card, checks, then "hold", "freeze" or "block" the customer's account without informing the customer? So, in essence, I have a debit card, checks, over 10,000.00 in deposits that I cannot access due to someone in the "security department". If I didn't pass the qualification process, then why send me a "debit card", "check" and establish a checking account?

This bank blocked and flagged my account for one returned check that wasn’t even over $100!!! There are no branches here in Texas anymore so I have no way to access my paycheck which went direct deposit to pay my bills. Was told I will have to wait 30-60 days for a check! Please avoid this bank. I also found out they have had major lawsuits over the past few years, wish I would have done my research before I chose this bs bank.

I had used Citi as a credit card company for 10 years before deciding to open a bank account and I had never had an issue. I thought that opening a savings account would be a good way to save money by taking advantage of their high yield savings. Fast forward to 4 months after opening the account and the nightmare began. I called about transferring some funds and was told that I needed to submit a signature card. I then called another department about submitting a signature card and was told that I need to visit a bank branch. I was then told that my account had been locked since it was opened. I was never told that the account was locked, there was no record of me being informed and yet the bank was happy to let me continue to deposit money into the account.

After 3 time document verification using Aadhaar card, PAN card, Salary account details, etc. Got Spelling mistake in my card. Emailed to got no response. This is the bank where customer suffers.

My husband with dementia was scammed into purchasing $2500 worth of Walmart gift cards using our Citi credit cards by a caller that was supposedly Apple ID Security. I immediately contacted Citi customer service to stop the charges and filed a police report. Citi could not or would not help me. I escalated to their executive offices and their representative refused to credit our account. They didn't flag the purchases for fraud at time of purchase. Citi doesn't care about customer goodwill or elder abuse.

We are from Coimbatore, South India and have been using Citibank credit card since the past 14 years. We used to get our statements and other correspondences regularly to our home address. Recently we understood that our cards are not regularized for want of KYC documents. Though we submitted the same twice over courier and also a copy over mail, they never acknowledged receipt. Overall we have made almost 20 calls over a period of 3 months and the customer care were just making fool of us by giving us false promises. Surprisingly the address also did not match was one of their points when we receive all correspondences regularly. It ended up humiliating as one fine day after three months we got a letter that the card is not valid as the KYC documents were not received.

Called about a broken ATM. Over 6 days they could not even find the ATM 6000 N Broadway useless Chicago IL. Had to use another ATM that charges 3.00. Sad part they could not help me report the 6 day ATM not working. At 6000 N Broadway in Chicago IL. Citibank you're useless.

I called Citibank to dispute a charge on my account, the representative rudely hung up the phone while I was disputing the charge. When I called back the representative tried to rush through the process without a solution. I told her that I will discontinue my business with Citibank because I do have another Financial center that I bank with and she just said okay, so I will be cancelling my account with Citibank. Customer representatives needs intense training how to address customers.

My husband opened up an online checking and savings account. He figured at some point in the process it would let him add his wife to the account. That never happened. It has literally taken months to add my name to the account, numerous phone calls, mounds of paperwork (many times duplicating what was already filled out) getting it notarized and it still has not been taken care of the way we want it done. It is terribly frustrating and I am so done with Citibank.

The agents doesn't know what they are doing and wouldn't care if you got scammed for $1500. They are Asians and shame on them for not knowing how to help a customer. They never gave my money back and closed my account and not letting me know. Never going back.

I was already a Citibank account holder in Australia when I moved to US. I started a new checking account here in US which was so lengthy and lots of documentation process. Finally opened the checking account in March 2019 and I want to save up some money so I applied for a Accelerated savings account and so ridiculous I have been asked to submit the same documents that I submitted for opening checking account and the process is so so long. Submitted my application in May and till now I have not been able to open the account.

I opened the account and verified their minor deposits/withdrawal from my external account on 6/27. Following multiple calls and discussions with dreadful computer and with new account representatives and 2 different supervisors (I was then disconnected with no call back when I requested yet another supervisor) - I finally went online and closed my account through online chat. Although they kept telling me the fund transfer to open the account was pending - they could not seem to process it. They said to try the whole process over (another 5-10 business days!).

My husband and I wanted to buy a house and take out a loan along with it. Now usually that takes a long time however Doreen sped the whole process up. She walked us through every step, was patient with all of our questions, and got everything done in a timely manner. When she found out we were having some problems on other ends of this whole process, she helped with the other departments to get everything done on time. Thanks to her and her dedication, we are now moved into the new house with everything in place on the financial side.

Opened an Accelerated Savings account online to help save for an upcoming vacation trip, funneled over $1300 into it via electronic transfers from my credit union. Within a month I got a letter in the mail saying my account was being closed due to non-verification of something... this was news to me as I had not received any communication regarding any paperwork they may have needed. I call immediately and was told it was too late and the closure was already initiated. I was told a refund check would be sent to me for the balance that was in my account.

Hi, when I saw my statement your bank people some interest mention and debited money from my credit card without my knowledge. After I called to customer care, your people saying, "Wrongly detected, we will reverse that amount." Without my knowledge how your people detect my money. I am feeling bad about your bank.

After a Citicard transaction using my AAdvantage card with American Airlines I started getting charges from Spain. Citi detected this and investigated. They found the charges fake and reversed most, but they didn't turn off the card so more charges came. Upon calling about these new charges I was transferred from Customer Service with Tabitha to Fraud with agent Cherry, to Investigations with Jack, and then back to Customer Service with Crystal. In the end after 1.5 hours rehashing everything with each department, nobody was able to do anything. Ended up paying the charges and forcing them to cancel the card which they said they would do when the fraud started. Beware of Citicards as they don't seem to operate very well anymore and the American Airlines hookup seems to have people working there that may be selling your info to crooks.

I live out in the country where US Postal Service is not very reliable plus I travel for my job. The very first paper statement did not arrive and I paid my bill complete from the second paper statement. Of course they late fee'd my account. The crux of my sob story is after receiving 2 additional late fees for not paying the original late fee, they refused to help since I signed up for electronic mailing when I realized the first statement no showed. How messed up is that? So I paid my account late fees and closed my credit account. Moral of the story, be very careful with whom you do your banking business with as there is a good reason Citibank has paid more in government fines than any other US bank...unethical culture. Good luck and I hope your experience was better than mine.

Sears Mastercard was used to pay for a Sears service carpet cleaning. The contract time elapsed and the service was paid. There was a questionable 1 month time period that had to be settled with Sears Warranty only per Citibank. "OK", it was settled, confirmation given by Sears Warranty. Zero balance was stated. Next month a $50.00 Citibank service fee was charged. Following month with more charges and an excuse by the Citibank did not get the money from Sears so Citibank asked me to pay the same bill again to them. How silly. Sears is their customer not me in this matter. Citibank just decided to try to collect from me instead of Sears as if they are entitled to do so. I filed a big complaint with the Fed Reserve consumer division to resolve this matter with damages for wrongful and unethical services. Be very careful with Citibank, I was given very bad service, false information and a lot of aggravation. Ronald **

Citibank are thieves and are currently in the process of stealing millions of dollars from unsuspecting customers. If you open an account with Citibank within a few months of having the account opened you will discover that your account is frozen. They call this a block. Your debit card will no longer work and you will not have any access to any of your money that is in the bank ever again! They gave me no valid reason and said that the account will be closed within 30 days and all funds will be mailed to me. I have made numerous phone calls to different departments. They stole the balance that was in my account and claimed that they cannot locate it. They also stole pending refunds that were refunded to the debit card associated with the account.

Citigroup Inc. is their company name. They RUN Macy's Credit Card Department for Macy's. They are foreigners. They repeat what you say and sounds like English and do not get it. They charged our Macy's card wrong by $1856 on May 18 and said today that they would fix it in 1-2 billing cycles. Sincerely, Noli **. Macy's Credit Customer Service. www.macys.com. Noli is not an American name. Noli does not work at Macy's.com. Her company is NOT Citicorp.com. She admits the charge of $1856 was billed incorrectly on May 18 and wants me to believe that she will fix it on September 12 five months after Macy's billed it wrongly to our account.

I recently acquired a personal loan to consolidate all debt to improve my credit rating after a divorce. All accounts except for two Citi retail credit cards were dealt with in a professional manner. I waited 3 weeks to contact the bank that issued payment for a Shell gas card and a Best Buy Citi cards, after communicating with both cards who claimed to have received no payment.

When I open my Citibank account 11 years ago account holders had real time information on all transactions. Now there's a 10 to 18 hour lag for updated information. No one knows what information the system is holding for this time period not even the supervisors. It's always "We're waiting for the system to update" or my favored "I don't see any check transaction for that amount". I had an electronic check come in that overdrew the account. Didn't know about it until 15 hours later. I made a deposit still not knowing anything about this check.

I was approved for a secured acct on 6/10. $500 was taken from my acct within 24 hrs! I called on the 17th to see if I could get either my card # or my card expedited to me & was told no. On the 20th my card was sent. The automated sys said expected delivery 6/27. I was told give it a few more days, on the 29th I was told I should have it by the 2nd, on the 2nd I was told the 3rd, on the 3rd I was told the 5th. On the 5th I requested supervisor who said it had only been 14 days & I needed to give it time, OR, she could cancel it & start the waiting clock again for a replacement (with still no expedite option!) Or I could write to corporate!?

I made an ATM deposit today after cashing my check at a non Citi affiliated store. I place the money into the receiver only to get a printout saying that my money was unable to be returned. I deposited all my money thinking I would be able to get 20s for the 100s I put in. Instead there also on the printout it stated I would have to call for further assistance. I check my acct to see if the money was deposited but nothing at all. So I call the number to Citibank on the ticket and they proceed to tell me they have to file a claim.

About a year ago, a few dollars were under in my regular checking account and money was taken from my checking plus account to cover it. $100 was taken to cover something like $5 - which is ridiculous. I did NOT receive ANY notification about this. No one ever explained to me what this checking plus account was when it was opened. Honestly, I'm not even sure why I opened it, I was sold something that I didn't even need since I always pay one time and my credit score is above 800.

I did not think it was possible for a bank to ruin my credit and reputation in one day, but Citibank has accomplished this. I received a letter dated June 18, 2019 threatening to close my account unless a provided certain information. As soon as received the letter on June 20, 2018 I called Citibank and gave the information. The person I gave the information to was named Arame, employee number **. I was told that I gave all the information requested and everything was fine.

As of today July 3, 2019 I will be closing my account and no longer be with Citibank. Their customer service sucks and representatives are so rude. In the last week I’ve been on the phone with them because they keep blocking my card for stupid reasons. When I first opened my account I told them to put overdraft protection. Did they listen? NO - my account had been over drawn a few times because of a simple mistake that should have been prevented by listening to their customer.

I am a Citi customer of 43 years with a historical credit score over 800. I recently received a generic letter closing my account because I hadn't used it in 24 months. 2 separate calls to customer service resulted in nothing being changed or reopened....because they said I needed to authorize a credit check to reopen an account. They do soft credit checks routinely, as do all banks, so I would not authorize it. They KNEW of my actual credit score beforehand anyway. In all my years of being a customer, have I ever been treated so unprofessionally and with a cavalier attitude. They should be ASHAMED of their policies and treatment....NEVER EVER again will I deal with them or any of their affiliates.

I recently opened a account online. I deposited a check from a settlement from my attorney. It was a Citibank check and they knew I had just opened the account and was told the next business day it would be in my account. Needless to say it was deposited in my account after hours that morning arguing with them and being hung up on. Now I go to the branch and I'm told there is a block. I get them to give me some money but it's still not enough do yo. I had been behind on bills since my accident was only 4 months ago. Now I call on the first business day their back and for hours I'm hung up on and told different stories every time. Since I have no bills under my name my grandmother goes into a Citibank and takes the bills under her name is since I'm told by a supervisor to have her do that from verification on the phone.

They allowed charges to a card I had not even activated yet which I find quite concerning. Had a reoccurring charge that was turning into quite a pain to cancel (HelloFresh), lost card and got a new Citi card. Citi rejected charges for two weeks but then decided to give my new card number to merchant. It says right on the new card must activate before using?

3 years ago I opened a account with Citibank, I had deposited 8,000 into my account, well I tried to make wire transfer to my boyfriend. So I got onto Citibank's customer help page, contacted the support team and was walked through on how to send a wire transfer. Well the support team had advised me that the transfer could take up to 24 to 48 hours, since a day had passed and I got a email saying transfer was done and processed successfully and the funds was in his account. Well he keep checks by his account and there was no funds wired to his account, so I call Citibank and and ask them where the funds was at that I had wired him and they assured me that they had been sent.

If you are looking for a bank to keep your hard earned money, please RUN the opposite direction. Their fees are ridiculous, customer service is terrible especially if you have a concern because they are not interested in helping. They are just interested in taking your money. You can charge your card on Tuesday but the funds will not be deducted until the following week which causes overdraft (of course) and no refunds regardless of your issue. Just a very unfair, unprofessional and most importantly inhumane bank. Picking money out of the pockets of those who work HARD for their little piece of the pie.

On 6-19-19 I woke up with a negative account balance. I then made sure to bring it back up to positive and then talked with a representative and I asked if I will be charged for anything or if anything will be returned and they said, "No, since it’s an ACH and you brought it to positive you will be ok." So on 6-20-19 I wake up with the mi yeah returned to me but with a $34 fee for returned. I called and spoke to a representative and a supervisor and both told me that whatever the other person told me doesn’t matter and that they can’t help me, I asked why if the mistake was in their end and they said sorry and they can’t help. Horrible service.

I was able to trade stocks on my Citi mobile app (Android) before, but now I can't even view my brokerage account with it. I have called in their customer support center many times and received no solution at all.

I opened a Citi Advantage credit card with an annual fee of $95 in September 2018. The printed material that came with the credit card clearly stated that "You get 2X for every $1 you spend on eligible American Airlines purchase." In May 2019, I spent $4,368 to purchase 3 AA tickets. I was only credited 4368 miles. When I called Citi, I was told that the 2X was only a special promotion and it has expired in December 2018. I looked through the entire package that Citi sent me with the credit card and I find no such information. DON'T EVER APPLY FOR A CITI CREDIT CARD!! I just cancelled mine. I could have gotten double miles if I had used my Visa Premier card.

Customer Service's goal seems to be to keep you on the line as long as humanly possible. Everything they want is available on the website. Everything they promise on their website is not available in your state, and everything you need is not available via phone or online. Half an hour on the phone so that I had to drive to the bank due to the utter incompetence.

A whole week just dealing with nonsense. I should've never tried to open an account here. Worst bank ever. Cant even give a real explanation to anything and they dont respond to emails so why waste your time.

I have been a Citibank Customer for over 5 Years, and this has by far been my worst experience with an institution to date. I called the dispute department 3 weeks ago about two charges I did not recognize on my account. Instead of following their normal protocol, which would be to open an investigation, and close the compromised card, they froze my account without any warning, or notification. I have called the customer service line at least once every day trying to get a resolution, as this is my primary checking account, and I need to pay my rent.

I had an AA credit card 2 years ago and Citibank without my permission switched me from paper billing to electronic. When I didn’t get my bill called 2x asking if was due and when. Both times assured didn’t owe. Short of all this, I saw Citi email in my spam box saying was late. I ended up with $50 in interest fines and wouldn’t waive. They switch me to electronic & then said didn’t owe when called. I cancelled card. This was first time in 40 years I missed a credit card payment.

After being a customer for 14 years, I closed my account with Citibank and withdrew my funds for the following reason. Went to local branch to get help with wired transfer, local branch manager was out on leave and no one was in charge. One of the banker recommended me to process wired online because thats the way they would had done it anyway. Sent wired on 3/4/2019, and on 3/13/2019 the funds were recalled. In between those days Citibank kept saying that they needed my passport number which I provided along with my type of account overseas. My bank overseas kept saying that they did not received any wired transfer notification at all. (I've done wired transfer before with Chase and never had an issue.) Once the funds were put back on my Citibank account, Citibank deducted 585 dollars for the attempt to convert the money to pesos.

Reported me to a credit bureau for a late credit card payment of $35.00 (for an account where a total of a few hundred was owed) because a representative told me that both of my cards had been enrolled in autopay when actually only one had. They then took this opportunity to use my one late payment to cut my credit line in half and tank my credit score. My credit line reinstatement was not granted, despite the representative telling me that my single late payment on my entire credit history would not result in this line decrease and commenting that my revolving utilization was "great." Does Citi realize there are plenty of other creditors? I have NEVER had this problem with Chase, Discover, my local credit union, etc. Will be paying off this balance immediately and will never use Citi again. Maybe Citi should target people who actually have a high balance so they can at least capitalize on the interest of those they screw over. Amateur hour.

If you have a Business DO NOT OPEN AN ACCOUNT AT CITIBANK. This is the worst commercial bank I have ever dealt with in my 48 years in business. Do yourself a favor. Stay away far away from this Bank for Commercial accounts.

Customer service OFF Shore. On April 28th I received an Email from CITI Corp regarding a suspicious transaction of $1.00 (testing). I flagged it and another for UBER Eats $21.48 in California. The customer service agent cancelled my compromised card, but got into a security endless loop when I tried to have the card sent to me in Canada. (They had my travel advisory of my travel from AZ to Canada.)

Tried to help someone out by giving a pay advance in the form of a deposit on a secure credit card (Saturday June 1st was when application was done), by June 3rd it was obvious that I had made a mistake and did not want my bank account being used so I called Citibank credit card customer service... The representative said he could not give account information to anyone but the account holder/applicant. As I stated multiple times I was not asking for info, I was asking for MY bank account to be removed from someone else's account! I was then told that Citibank would not allow a deposit payment to be made from an account that was not in the account holder/applicant's name. So rest assured I would not have to worry about the payment being drafted from my bank account, so not to worry. The very next day I asked the account holder/applicant to cancel the application or remove my account.

I Jessica **, have been a loyal customer with Citibank for years. In the past and future, I have never had this issue occur until now. The issue is that I have a negative account of the amount of 177.00 dollars on my balance that is not valid, due to two merchants of the name of Woodman's and Kwik Stop. I do purchase items at those stores, but on this behalf I have not made a purchase with that amount to make my account negative, if the transaction went through it would have available funds on the account.

Out of all 7 banks I've had in my life Citi is by far the worst. Unfortunately I am forced to bank with them on Citi manager since the DoD gave them a huge contract in which they fixed nothing that has been wrong. I’ve been deep in South America calling from a sat phone and waited over 40 minutes on hold because the GTC wasn’t working. As I wrote this review right now I’ve been on hold for 17 minutes just to talk to someone because once again the account is showing incorrect balances and charges. Citi really needs to get their crap together and stop taking huge contracts when they provide very little service to the people that need a reliable provider. Moral of this review is don’t bank with Citi, they offer crap benefits, crap customer service and hold your money as long as they can when the customer might really need it and any other bank would release the funds for you to use. Like I said I bank here because the AFI says I have to.

I opened a checking account online on 5/21/2019 and on 5/24/2019 I went into a branch to deposit a check from my insurance company in the amount of $2,173.24. The check cleared on 5/25/2019 and the funds are available for me to withdraw. I logged into my account through the Citibank website and used their wire option to have $2,000.00 wired from my account into my step-mother's account. I received an secured message from Citibank informing me that I needed to call them to verify some information before the wire transfer could be processed. The message said I could call 24/7 to resolve the delay. I called the number I was provided and was told my account was being handled by their "Special Investigations Department" and that I would need to call back during regular business hours.

** got the worst customer service on this planet. They seems to hire only ** people. Stole $95 from me. Before I closed my AA card, I was advise if I close this account my annual ship fee will be refunded back, that was over the phone. A month passed I noticed there was no refund, so I called. The first agent asked me to be professional, refused to transfer me to a supervisor. Finally she put me on a wait and she hang up the phone. Very familiar moves for a Citi agent, so I started a new call while I wait. The second agent transferred me over, but their supervisor couldnt do **. She claimed she called the first agent, and it was disconnected rather than hanged up. Tricked me into applying a card and froze it immediately after. 6 month and still in process of verifying me.

Citibank demands private information including information from my living trust. It threatens to lock my checking account, from which it receives automatic mortgage payments. This is the only bank, as I know of, that demands this when “Updating” living trust information. I believe the living trust is none of their business. The only information they need is names of trustees and successor trustees. Stay away from this bank.

I went to the branch on 18th and Pennsylvania in DC to open an account for a promo they were offering. The person there took forever to open the account (I had to go back after a couple of hours to complete the process). And when I later reviewed the documents I found that she had put in the wrong apartment number in my account! I tried calling the number on the card she gave me but it took 5 calls before I could speak to her. And then she was with a customer so I said I'd send an email to her account and I never got a response to my email. I decided I would not go through with the account if this was the kind of service one got from Citibank so I called to close my account and was told I had to go to a branch to do that!

Best Buy was running a promotion with the bank that would have given me a 10% store credit if I would open a charge card with Best Buy. I didn’t want the card but the credit was enticing. The card was to be free and I could cancel any time. After 15 minutes of signing up, I was told I “qualified” for a Gold Card. The catch A SIXTY DOLLAR ANNUAL FEE.. Best Buy lost a $7000.00 sale and Citibank can kiss my butt. I bought the same units on Amazon for $1300.00 less.

I opened a Citibank account for the Wealth Management. I did a mobile check deposit as a test run and the upload failed for "technical reasons." So I contacted the company that issued it to receive a direct deposit, instead of a paper check. Brick and mortars are almost obsolete and there isn't a Citibank location where I live or even close to it. So they cancelled the check to be able to issue me a direct deposit. Since the mobile deposit failed I didn't think anything of it.

Every 6 months it somehow deletes my user account from its website and doesn't allow me to log in or create a new account or do anything unless talking to multiple representatives and making changes to my data (re-adding SSN or making them change my DOB or making them delete my complete account or creating new user id to login). I can't comprehend that banking website having such serious bugs. I really can't be sure about that data security. If they can't fix their websites and Android applications, there has to be some leak somewhere which anyone can abuse. The way they handle user data makes me question their ethics and their dedication to customers.

After depositing my entire paycheck, was treated very rudely by customer service, requested a supervisor and was put on hold for ten minutes. When supervisor finally took the call, I was hung up on. Took me 11 days to have access to my funds, worst banking experience I have ever had. Highly do NOT recommend.

Citibank STOLE $7,000.00 dollars on January 23, 2019. It is May 29, 2019 and Citibank has had my money since January 23, 2019. They refused to return my money!!! They will not return phone calls or emails!! I do not understand how this bank can keep your money, when it absolutely positively does not belong to them. This has gone on for far too long. I will get my money, no matter what I have to do. Maggie **. # **.

Citibank allows unauthorized transactions from sellers on my account. I paid for a stop payment and Citibank still paid it. There is no security over my account. Citibank protects its own inter9. After $80,000 later, never once was I offered a CD. Or investment. If I were ** it'd be different I'm sure. Closing all. Of my accounts including a business account. They are the worst. The sloppiest customer service of all the banks. Citibank is horrible.

I applied for a Citi card for work travel and received immediate approval. But after 9 days and no card, I tried calling so I could book a flight. After an hour on the phone I got no resolution, just the same answer "wait for the card to arrive". I couldn't get a temporary card number or a virtual card number which were both listed as member benefits in the application. So far not so good with Citi.

I have had a Citi credit card for years with no issue but I have had issues with my new Citi savings account since day 1. First, I was immediately locked out of my online account after transferring money into the new account. The only way to log back into the account was by providing the new debit card number associated with the brand new account (which I obviously did not have yet as the debit card would be mailed "within 7 days of opening the new account"). I simply wanted confirmation that my money transfer had gone through and contacted customer service multiple times only to be told they could not access my account until I verified it with my new debit card. This makes absolutely no sense. To make matters worse, an additional step was needed to verify the account that I was not informed of except by a call from Johnson City, TN number that called me 5 times in one week but never left a message.

2 months ago I called to change the address of my account and was not able to change the address because my husband had passed away and he was listed as the primary on the account. It has been almost 5 yrs since he passed away. They told me my account was sent to the probate dept. I did not make the payment because I was told my account was in probate. I then received calls from the collection Dept. Every phone I told them my husband had passed away. They have been told multiple times. I received a letter from the probate dept and when I called they said, "Oops!" They had listed me as dead. So instead of correcting my account to my husband is dead, they bounced my account back to collections. I then reviewed multiple calls from collections, told everyone the dates he died.

I have had issues with Zelle through Citibank. This last issue was quite disturbing. I send money through Zelle every month to my brother using his email address. I always send money through the same computer at work so the system even recognizes when I start typing his email address and pre populates the email making it easier to select and not make a mistake. This last May 2nd I sent the same money to the same email address but I received an automatic text and email stating that Zelle is processing the payment to a foreign name that I don’t recognize and a phone number with a 646 area code. I called Citibank to let them know of the mistake and they asked me to call the person because the payment is automatically transferred and they can’t stop it.

Citibank states they back their cardholders 100%, yet I have attempted to dispute one charge and have been denied 3 times. I can't even contact the merchant by phone or email anymore because they have disappeared! Yet Citibank claims I have not given enough evidence! The other card company sided with me know the first attempt, because this merchant issued me two credit cards and then never followed through with their service. So in my attempts to resolve this issue, I am bounced around to department after department. I asked for a corporate number and they say they don't have one! Yet I Google it and find it! If you have another option on a credit card, don't go with Citibank! They are only worried about their money and not their customers like other companies!

2019: Needed major car repairs February. I informed Citibank I would not be able to make payment April of $28.00. I explained I would be able to make a $50.00 payment come March 3rd. I was told by "customer care" rep "Not a problem, I see you have been a long time customer and have always made your payments. Call us back March 3rd and we'll wave the late fee." March 3rd I called and Citibank indeed waived the late fee however, are now requiring a percentage of the entire balance which is $75.00 minimum payment. The late fee is not removed from the payment, but the balance. Not helpful.

NON EXISTENT CUSTOMER SERVICE & FINANCIAL ELDER ABUSE: For the past several months I have been trying to work with many of Citi's employees but it's a dead end. I have filed a complaint in early April and still awaiting a response a month later. All telephone experience on a daily basis has been frustrating, torture and I call it "financial elder abuse". My questions relate to their request letter which is totally unclear with language that an average person with a college degree could not understand. To date my questions SEEKING clarification have remained unanswered.

Most useless customer service, keeps you waiting for a long time and when finally you talk to someone they don't know the answers to questions. Tried to place a complaint after that and was told I'd have to mail a letter. Will not bank with them again.

I opened a Prioirty checking and savings account with the prescribed $50,500.00 and was told in the fine print that the money must sit for a certain amount of time and then after another long wait I would get my $600. It was also mentioned I needed to fill out a tax form. I let the money sit the prescribed about of time (5 months verified by Citi. I sent in a tax form they did not receive so sent in another one they said they did receive and which was in order last month.

I was two days late on my bill, and instead of charging interest for the two days, they charge interest for the month of “grace period” they give as well as the two days. I contacted customer support about it, and they said they couldn’t do anything due anything about it because that was their policy. I am upset they charge interest for their “grace period!” It really isn’t a grace period if they charge interest for the time instead of just the two days I was late. The manager originally said the interest was a daily interest, not a monthly interest, and then when I brought up the fact they were charging me for a month of interest when I was two days late he changed it and said it was a monthly interest. Surprise surprise, they lie to their customers and charge them interest for times they give as a “grace period.” I am done! I will go back to using Discover who doesn’t lie to me!

CITIBANK STOLE $7,000.00 Dollars from Me!! I sent a wire transfer from TD Bank in Pennsylvania to Citibank in Florida on Adventura blvd. I sent it on January 23, 2019!!! It is now May 11, 2019 and Citibank refuses to give me my money back!!! The person I was sending the money to refused it and told the bank to send it back!! They did not. I want my money back now!! ** I have called 27 times and emailed the same. No response at anytime. One person at Citibank said he would find my money?? I am still waiting!!

Very unprofessional and lame customer service personnel. They don't have the understanding and care about customer service, but also making many mistakes. It is not just one person. You keep calling, probably hitting more than enough to make you tired. I called them. The customer service person opened someone's else account after repeating credit card multiple times. Even you keep telling that you are looking at someone else account, the person doesn't care, end of the call. Representative hanged on me. Called 2nd time. That person was a little bit knowledgeable but still didn't know who to complete charge dispute and they did not have a way to connect to a manager. The only reason I am staying with the card, as they provide 2%. If I get similar credit with someone else, I will cancel my service with Citi immediately.

Every time a website fails authorization to the credit card company for one reason or another, that amount is still pre-authorized and held against the credit limit. I had an international website fail to process due to what Citibank considered possible fraud. I applaud Citibank's efforts for watching for possible fraud, however the issue has to do with the card failing several times while I tried to process the charge multiple times thinking maybe I typed the numbers wrong or something else. It took quite time before I got a text message on my phone and I was able to confirm the transaction was not fraud. The next attempt to charge my card was successful.

I explained to a Citibank rep I was affected horribly by the government strike from NOV 2018 until now. I explained my hours never went back to being the same and that I was playing catch up with a lot of my bills. The rep reassured me that due to the fact so many were affected and I had been a customer for more than 10 years they would waive any fees on the account. The first time I was charged a insufficient funds 3 times back to back. It was waived. Then a month later I was charged a "returned check fee" and I explained the charge was done early but I made a deposit on the next business day. They refused to waive the fee even after explaining my circumstances and being reassured by a rep I would be taken of. I will close the account.

Updated on 05/10/2019: Previously typed up a lengthy Gettysburg Addressesque review of Citibank and only recently received more direct information "from Citibank" concerning online banking and ATM/Debit. There is a mandatory 7 to 10 business day waiting period "before you're able to use Citibank banking services." With the exception of making deposits ONLY. That means any money you deposit, you will NOT have access to those fund until Citibank unblocks your ATM/Debit or account. You also will not be able to complete any online transfers. You will in a sense be "in financial limbo."

A have a new credit card serviced through Citi and I can say that they have the absolute worst customer service I’ve ever encountered. I originated the card back at the beginning of March and never received anything in the mail. When I had first gotten the card I had assumed that there would be plenty of time for me to receive it but I did move at the beginning of May and still have not gotten anything in the Mail.

Citi Bank is the absolute WORST bank to do business with. Applied for a card in January. JUST received the card in May. Online banking does not work. Have never received statement. Cust. Serv. incompetent.

On Mar 22, 2019 I opened up a Citi savings and checking accounts to take advantage of their $500 promotion. I ensured before opening the counts that I was going to meet all the requirements and even read the fine print carefully. On the same day, after opening the account, I transferred the required amount of funds from another bank account. After that I was told that I would have to complete some paperwork and send them some other documents. I completed that right away, faxed and mailed the documents just to make sure they receive them. After sending over everything, when I didn’t hear for weeks, I started calling them to find out the status of my accounts. I was told that the accounts were blocked as they were reviewing my application and verifying everything.

Alameda branch is the closest, so I solve all my banking needs there. Every time the service is impeccable. On Apr. 27 it was again time for banking and had to talk to the manager, Mr. Ryan **. He was fast, courteous, efficient, nice. I was truly impressed. Good job!

Horrible customer service. I have a deferred int with payments and balance transfer, all up to date. I sent a payment which should have gone to the deferred int account due 7/19, not the balance transfer due 2/20. According to THEIR terms, they apply payments to the deferred account first. However, they made a mistake and applied to the bal transfer due 2/20. The supervisor tells me they apply the monthly balance due to the bal transfer, which should have been $39, not the full amount they applied which should have gone to the 7/19 balance. Talk about people who cannot admit they made a mistake and reverse the charge and put towards the correct account. Not to mention forget abiding by their OWN terms. Should have been a simple resolution. HORRIBLE! Get a Discover or Capital One card - both have OUTSTANDING CUSTOMER SERVICE!!! Never an issue!!

We have been calling almost for an hour to the representative 888 # customer service, nobody answer the phone, we try the chat, nobody comes. If coming I ask, there is a spinning circle, nobody answer. Be ashamed of you CitiBank. How awful service.

I purchased Travelex foreign money for an upcoming trip. I used my Citibank credit card to pay for the purchase. Later I discovered that Citibank billed my credit card a cash advance fee of over $20. I questioned this and was told because I ordered money they charged the fee with interest! I did not order money with them, but with Travelex online. The only way I could avoid the interest mounting was to give my checking account routing and account number to get an electronic transfer. This does not seem legitimate.

Someone tried to hack my account and I changed the pin out of fear and I told the Citibank employees the whole story and showed my ID and they did not even help me. There was a lady who was telling a very helpful gentleman not to help me at all and I have bills to pay. My job's direct deposit is linked to my Citibank and they still don’t want to help me reset my pin! Smh. How y’all keeping me hostage from my own money!!! (939 main St, Bridgeport CT 06604).

Citibank KYC department has a new process where they ask very intrusive questions about your life and finances. We answered all their questions during the past month and yet they froze our account for no reason. During my conversation with multiple supervisors they acknowledge that they had already received the info and the account should not have been frozen but the entire review is in the hands of one analyst assigned to the account and if that analyst happens to be on vacation or unresponsive for two days, you are out of luck and cannot get any funds out of your account and no one can unfreeze your account even though they all agree it should not have been frozen in the first place. A bank should not have such a system when the it cannot be overridden is something ridiculous such as this happens.

I was lured by the high interest rate offer savings account, and I applied online. There was no confirmation email whatsoever after application. I then called customer service in the evening and I was told to call back in the morning to another number because 'new account" customer service was closed that day. I called new account in the morning and they said they need my ID, I needed to fax it over so I did. After that, I kept on receiving emails asking me to make a deposit, but I do not have any access online. I called customer service again, they told me it would take 7-10 business days to process my document, so they asked me to check back on 4/19 or 4/22.

BEWARE, everyone, I am going to file a small claim lawsuit on getting my credit card deposit back. Been trying to get my refund for a month now and every time they pretend there is an identity issue and then promise to send me a letter that contains a password, Of course, they are laying and are not sending such letter. Dont do business with this company. All of their customer service are from Asia. You will get the worse customer service.

I have called 4 months in a row about payments being stolen from my bank account. I was assured yet again it was taken care of. I will never do business with this company again. It's unacceptable and the incompetent people who have assured me it's all good need better training on how to actually resolve this problem.

I have been with Citibank for years and I had a 5 year CD with them. I planned to close the CD as it matured and was a few days late due to being the main caregiver for my family that I didn't have a chance to cancel it on time. It automatically renewed for another 5 years. We were in need of that money so it needed to be canceled. They were not concerned about my situation and that they said I would need to pay a $75 penalty fee to cancel. I basically lost money by putting it in a 5 year CD...

Citibank has given me a massive runaround for FIVE years now, they are purposely preventing me from getting a credit card with them, even though I have a 850 credit score. They have a very unethical team of con men working in their "executive office" who intentionally put a block under my name and social to mess with me. These people belong in federal prision! Citibank is a scam bank.

I felt the need to write a review to warn other people about Citibank and hopefully let Citibank know about the very poor standards that they are currently providing through the ONLINE account opening service. This is by far the worst bank experience I had in my life. It's the first time that I'm dealing with such a terrible organisation and rude or unhelpful customer service. I opened a bank account online around one month ago. I decided to do this because opening online is the only way to get access to the bonus they provide for new customers. It took them more than 2 weeks just to provide me a debit card. They sent the debit card with no confirmation email nor any mail communication of any sort and I was in a limbo with no account number nor way to activate the mobile banking. I had to wait another week (3 weeks in total) and multiple phone calls just to get notified of basic information to be able to bank.

Underwriters are out of sense. My score was over 750. Nothing bad on credit file. 60k in bank account. 4k monthly income. I apply for a 80k home loan, they denied and said insufficient income, give them all info even my boss give them all info they needed, horrible, they don't believe me. So I'm going to stop business with them.

Start from this April I and my wife applied for pre-approval for my mortgage at Citi bank. However, the lender in Citi bank sent our SSN info and our living address to other parties on April 10th through email attachment. I contacted the manager at Citi and they just want to give us a one year credit monitoring system which doesn't help at all since we already enrolled in credit karma.

Where do I start with Citibank? First of all, their customer service is the worst customer service I have ever dealt with by a long shot. Usually, I am a patient person who does not even bother to go through the trouble of complaining but I felt that their behavior was ridiculously unprofessional. There were long wait times on the phone and my issue did not get resolved. I opened a savings account, I got a verification email, I validated the account and validated my checking account to make transfers to my Citi account, I received 2 deposits to verify the account and everything was good. I made a transfer and was ok, then I made a second transfer for a considerable amount. They decided to close my account and the money is in limbo and nobody can explain what the problem is. Very disappointed. Do not recommend doing business with Citi at all.

Where do I start with Citibank? First of all, their customer service is the worst customer service I have ever dealt with by a long shot. Usually, I am a patient person who does not even bother to go through the trouble of complaining but I felt that their behavior was ridiculously unprofessional. There were long wait times on the phone and my issue did not get resolved time after time, despite them pushing me to threaten to close my account multiple times and to take my business elsewhere. Their customer service representatives are condescending and patronizing. I wasted more than 20 hours over the course of almost a year by having to make around 10 phone calls regarding my issue and self-auditing my account to make sure I was not being charged unfairly.

Signed up for the $500 bonus with Citibank. I opened a checking account, deposited over $15,000, and even had direct deposits. And now because my account went under $15000 by $9 dollars Citibank will not honor it. Although the account was only under $15000 for less than 24 hours because a direct deposit was made for $1,500 dollars.

Sent in my Citibank payment on time--with two weeks to spare. Citibank computer itself registered the envelope being received at the US Post with 14-day lead time. One service rep says that envelopes are immediately opened and processed at Citibank, but this is not true. Another service rep suggests that US Post is left in the mailroom at Citibank "many days" sometimes. I was charged for a late payment despite their own records of my sending it on time. I fear that this may be a way for them to generate late fees illegally.

I’ve been a loyal customer of Citibank for 20 years! I’m asking for a personal loan for an amount but because I CHOOSE not to have credit cards because I pay ALL my bills in cash on time. I can only receive a 2000 dollars in loan - I don’t want that I have 2K but the fact that they can see all my expenses and see that I pay my bills on time. No loyalty whatsoever. So I make an appointment with the brand manager for 10 am meeting around 10.15 I’m asking where she is, they tell me she’s taking care of a situation- like why do I have to ask? After 50 minutes of waiting she’s still not here! So unprofessional!

I have a excellent credit score, excellent utilization rate, good salary when I applied for the double cash back card. It got rejected and the reason listed was 'not enough credit history'. I called the reconsideration line but they say they cannot overwrite the machine's decision and have no good reason for why the application was rejected. Don't know why they even bother with a reconsideration line considering that they are pretty much useless. Now all I have is hard inquiry for the work I put into maintaining a good credit profile. Chase at least considers it. Citibank is just plain useless.

I went into the branch and asked the teller to cash two checks for me, the teller did not explain to me that funds from the check would not be available to me and that it had to be deposited, he in turn took the money from my checking account and deposited the checks. I went to get groceries later that night and had my card declined for insufficient funds. When I called the customer service representative she was very rude, basically telling me that I should have know that this was what the teller was doing. Now I have to leave my groceries because I did not bring any cash with me. Terrible service by the teller, because he should have provided me the information that the checks will be deposited and the funds from that check won’t be available until tomorrow and not just take my money from my checking account like that.

I wanted to make a partial payment on my credit card using an online app. They took out $4,000 more than I requested. I called the bank and asked to cancel the transaction as the amount is wrong, but was told that they're unable to cancel it until it processes. I was on the phone for half an hour explaining to five different people the issue, but at the end I was told that I have to call the credit card and then again call the bank tomorrow so they can process a refund. They made an error with my money and I have to waste hours/days of my time correcting it? Their Customer service is below zero. Mind you I've been their customer since 1993. Time for change!!!

Two weeks ago, I opened a Citibank savings account. In addition, I have two credit card accounts with Citi. I have always been able to access my credit card accounts online to check for usage and balances. I was able to link the savings and credit card accounts easily online until Monday, 3/25/19. That day, I received an ATM card, and was instructed to activate it online.

Citi advised we upgrade from gold to platinum. In return for $100/yr additional fee, we receive 40k mileage points. After paying our fee, they denied the 40k points, stating our gold card was less than 24 months old. We contacted a Supervisor to confirm no one warned of this technicality. She said "they're supposed to inform you... oh well, sorry".

What a disaster. Citibank sent my wife and I an offer by email which was connected to our Citibank credit cards. To receive the 10,000 miles on your American Airlines reward program you had to open an Accelerate Savings account which could only be done from the link on the email. Tried numerous times but because whoever in the IT department set this up it did not work. Called Citibank and got the the standard answer that IT was working on it. Also a requirement of the offer was to deposit $500 and use the Citibank app twice within 30 days of opening the account. What a joke. I do not need to maintain a relationship with such a screwed up organization. The next thing they will say my information has been hacked and possibly comprised.

Citi canceled my card without notification when I changed banks and forgot to change this information on my auto pay. The initial representative was very helpful and took my information and paid my bill immediately. Then a supervisor got on the phone and told my card had been canceled. He was extremely rude and told me he just didn't care. I would never deal with this company or companies related to them. This was the first experience I had ever had with people who just don't care about you. It was easy to obtain another card with company with great customer service and better card features than Citibank offered (DISCOVER).

Citibank is a prime example of how you cannot trust banks. Citibank is the one bank that you should never trust with your money! I opened my account online. They have stolen my funds. They froze my bank account and now are saying that they cannot locate my funds. They left me without food on a weekend. I called Monday only to find out that they have frozen my account and they claimed that they would mail me a check for the balance within 30 days. It has now been 60 days and they have stolen from me. I just received a letter in the mail stating that they cannot locate my transactions. They are criminals! It started when someone used my debit card fraudulently to the tune of over $1500. Citibank refused to dispute with Visa. They took it a step further to also steal my funds as well. I'm beginning to think that it was Citibank that was behind all of it.

I have an active checking account with Citibank since 2001. I contacted them on 03/11/19 to inform them about an unauthorized transaction. Apparently, BJ's membership services had completed a renewal membership for $60. I called BJ's customer services to inquire since my membership was renewed in person at one of their stores (my husband paid in cash).

I selected Citibank for my mortgage as I have a long standing relationship, several open accounts and the Services and Customer Service was always outstanding. The Mortgage Loan Officer was outstanding and very helpful from the beginning of the process even while I was looking for the right home. She was very patient and responded quickly to my question whether by phone or text and explained the different options so that I could make the right decision. Though I was disappointed in the timeframe between the documentation submissions, pre-approval and final approval which was very lengthy. Applying for a mortgage during the major holidays season further delayed the approval. They also do not provide home renovation loans which would have been useful as I now have to find another way to get this done. Overall I was satisfied.

On 2/12/2019, my card was charged for $99.00 four consecutive times, for a total of $396. I reported the incident to Citibank. They temporarily refunded the money and started an "investigation." Today I received the results of the investigation. They stated: "Based on the information you provided and the results of our research we are unable to honor your request for reimbursement. Our decision was based on the following: You informed us that your Citibank Banking Card has not been out of your possession. Both your Citibank Banking Card and Personal Identification Number were required to perform these withdrawals. The activity appears to be consistent with your normal banking activities. Therefore, we will deduct the above mentioned transactions from your account five business days from the date of this letter, which is 03/26/2019. This deduction will appear as a withdrawal on your next account statement."

Waste of time. Constant we lock your account "for your safety" excuses. Truth is even BofA does not have the control freak, problematic, useless security. Since you're never allowed to see your own password eventually you will enter it incorrectly and after 2 failed log ins they will lick you out and demand you create a new password. They cause the problem then make the problem worse. Customers should be allowed to create their own passwords. Plus gave the option to see their password when entering it.

I sent a cashier's check via FEDEX to pay off the balance on my Macy's American Express card in January 2019. It is now 22 March and Macy's (Citibank) still has not credited my account. I have made 16 phone calls to the customer service department and I keep getting one more week... Well to date, my $804 has not been applied to my account. They refuse to help me tell me to call back next week that the "back office is reviewing the situation". SERIOUSLY!!! OMG. WHAT A NIGHTMARE! This check was signed for and received by Citibank on 5 February. So I KNOW they received my money. Unfortunately US Bank, who issued the cashiers check and FedEx'd it is not helping me either. Banking in America is criminal. Not only am I out the $800 but I am out the $800 on the new US Bank account as well. I hate both banks.

I opened a checking account online and was sent my card. I did a mobile deposit to the account and was told that the funds cleared but the account was closed. No reason given for the account being closed. So I was told my $600.00 would be mailed to me once the account was fully closed on 02/20/2019. I have talk to the fraud department, customer services and a supervisor. No results other than I should have been sent my funds as of today. I have submitted a complaint with BBB. I will not stop until this bank give me my funds.

Opened my account with Citi online on Feb. 21st. Put money into my account Feb. 26th... It is now Mar. 20th and they still have a block on my account. I cant pay my bills, I cant get my money... Every excuse in the book why they havent reviewed my paperwork... even talked to the supervisors. My power bill, car payments, all my money is in this account and cant use it and they dont care. Still under review. If you wanna deal with a bank that dont give a crap this is the one. Thank you.

I have had nothing but good results with my Mobile Citibank App up until the last few months. I can no longer access my account from my app. I have called and spoken to one person, but he was unable to help me. I telephoned again and was able to access my account 1 time and after that have been unable to access. I have tried everything they suggested but still can’t access my account from my mobile app. This is so disappointing that I am unable to use the app. It was so convenient and easy to pay on my account. I am able to access on my desktop computer, but is inconvenient because if I’m away from home and need to check my account I can’t. I wish this could be fixed☹️

I have always keep this account in good standing and pay it off every month. I have been with them for over 10 years. I made my first late payment in 10 years and asked them to waive it. Because they didn't make enough money off me in the last year they declined... I canceled my card right away and the only amount due was the late payment fee and interest... Interest on a late payment fee... I'll never do business with them again!!! Rick

My mom died quite unexpectedly around a month ago. I proceeded to cancel her cards and services, with her death certificate and notarized trustee documents. She had several cards and accounts with CitiBank. I closed the accounts in person, and the cards by phone. For this card, I had to be transferred to a different department. It seemed to go well.

On March 13, 2019 I woke up with about 74 dollars in my account, I do checked my account every day, I had no negative balance whatsoever however I was told by Citibank agent that at 5am in the morning my account was negative 23 on March 13 which I found to be weird since at 9am I had a balance of 74 dollars on that day which to me or anyone doing the calculation. If was negative 23 dollars I shouldn't have a 74 dollars in my account. By 9:55am on that day my first transaction was about 5 dollars, then another 9 dollars at the LIRR, then about dollars 5.50 cents at the mta machine, later on that day I made a purchase of 32.99 at T-mobile, another $3.60 at Starbucks. My account was left with 23.77 as per the bank record. Still nothing to say that my account on negative.

I made a balance transfer through Citi that went to the wrong account. The customer service reps that I contacted kept hanging up on me without warning. The ones that stayed on the line basically said there was nothing that they could do for me. The account that was credited was a completely unrelated account and the account number for that account was way off, so I doubt the mistake was made on my end. Even if it was the run around that I was getting was appalling. Eventually I had to have a Capital One representative intervene. The Citibank customer service rep actually hung up on the Capital One rep during a three way call that they initiated. The issue was resolved thanks to Capital One. No thanks to Citibank.

It has been a total nightmare dealing with this group of incompetent bankers. They have limits on transfers but they are willing to do it if you can get a banker. Well, they issued a check to themselves to transfer my money from American Express National Savings Account to Citibank Accelerated Savings Account. What a joke?

I would NEVER do any business with CITI. Unfortunately, my government travel card is issued by them. For some reason unknown to me, my account was closed and I am ineligible to reactivate the account. So I was told to wait and call after November to fix the problem. I called today in March and was told I have to wait until June and maybe there might be a solution after being placed on hold and transferred around for an hour. Listening to a generic machine apology for an hour. Unacceptable and If I had any say our military will find another company.

Citibank is trickster when in come to charging $34 Overdraft fees and warrants class action suit. Citibank deliberately delays text alert to ensure customer have already incurred overdraft fees. Few months ago, I was advised by the customer support to subscribe to their overdraft alert service, that will send text alert as soon as my checking account is overdrawn, that will give me an opportunity to transfer funds from another linked Citibank account or external account using Zelle, and bring my account positive instantly.

I haven't had my Citi Rewards+ Card for that long yet, but so far the experience is atrocious. I got my sign up bonus and wanted to redeem them, so the first time I tried, the website didn't work. It something something along the line of "system temporarily unavailable," so I innocently assumed that they were just doing some routine maintenance.

0 Star - They suspended my linked external account and don't provide an option to lift the suspension by myself. I called 4 times over a week and the issue is still not solved. I wasted 3 hours waiting on the phone and talking to different customer services. Each of them asked me the same questions and I am sick of explaining to them again and again. On the 4th time I called, I asked the customer service to look up my case. She said that I just called today and it will take 2 business days to process. Wrong! I reported the issue 5 business days already. It should done by now. If you guys can't fix the issue, then give me an option to do it by myself.

Though Citibank has a decent cash back option on its rewards cards, turns out you can accumulate points but you can't use them. I just tried over a period of three days to redeem points for purchases (a credit statement) and the online function wouldn't work. When I called for assistance, I was told that this function hasn't been working for ONE MONTH, and they have no fix for it yet. I was also told that no one could help me redeem my points for cash (credit on statement) because they couldn't figure out how to fix this problem.

The worst. I have recorded calls saying the merchant will give a credit of $69.99 to my account but that day Citibank has locked them out of the account! Citibank had sent me a letter after they recharged my account saying I have to get a credit from the merchant. I talked to two people in Citibank with recorded calls. One a manager supervisor who said the merchant is not locked out of the account. So who is lying here? The merchant is initially willing to give me a credit but says they can't because Citibank locked my account.

I received a letter by Citibank stating I needed to pay a remaining balance and provided a phone number 800-777-1681 to contact an agent to resolve this issue. I was on hold for 30mins and never got anyone on the call. I called their general customer service number (800) 374-9700 with a different phone and they were unable to locate me to pay for the balance. Overall I wasted close to an hour talking to no one that could help. I tried to send Citibank a message to make them aware of their current system but was unable to send any messages. Instead the only options are to chat with someone, phone in, or send them a letter. I would never personally own a Citibank card after this experience.

I’m so glad I personally dropped Citibank several years ago! Recently my father passed. I closed his Citibank card like other cards he had. Unlike other cards, Citibank was difficult to work with and through the remaining balance to collections before ever contacting me. He had accumulated dividend dollars (cash back) that would have covered lost of the balance but at this point refuse to release it. They just keep wanting to refer me to 3rd party collections, which have no control over the cash back. I would expect better. Never will get my business again and I hope this helps others make a decision on who they do business with.

My bad day is I just opened checking account with Citibank. I have 15000 thousand deposits but still not appears. It deducted from my check and not yet shows past two three weeks. Really bad banking service customer support. Everything will make you mad. Really worst of the time and money. If you open a Citi account it’s good but before deposit be very careful maybe you can’t use it. It’s my experience. Still I don’t know my money which I deposited in Citi!!

For 3 days my card kept getting blocked. I had to keep calling to verify my identity and my card was still blocked for a 4th day. Called customer service. At this point I was very upset and was hung up on twice then told they couldn't help me. Asked for a supervisor. Was told they would call me back but NEVER received a call. Called back but got nowhere. Rep then proceeded to deactivate my card because I couldn't remember how much a purchase was that I made even though I verified that I did make the purchase. Just wasn't sure of the amount. But at that point the card was already lost. Had to wait for another card to come in the mail.

OMG! Have spent the past 7 hours trying to call Citibank - calls don't go thru! Have been searching for email address for hours to no avail. I am in Cape Town, SA! Call me on ** (think code is +27 +21).

Customer service reps are absolutely horrible. They are not knowledgeable, will take action that was not requested (such as disabling your web access only to finally be told that they can't enable it again - this after been transferred back and forth to multiple departments and over an hour later). They will lie, and make excuses for their actions and hang up on you. Even when you request to speak to a supervisor, the "supervisors" are useless and don't even care that the issue that has been "escalated" to "supervisor" to begin with. I have had 4 "supervisors" hang up on me and the reps and supervisors don't enter a note in your account so that you cannot track who you spoke to and complain.

I was sent an invitation for a new account with Citibank. I had started a job a couple months ago and was cashing my paycheck at a check cashing place. I applied and then got a welcome letter in the mail with a debit card and was very excited. It was easy with no hassle and I uploaded all my information. I later gave my boss the information for direct deposit that I acquired from calling the bank with my new account number. I also set up my online account. My first deposit was to be my next direct deposit from my payroll. I waited when payroll came. I went to the ATM, try to withdraw funds and they weren't available. I went online. It wasn't available but it showed my truck had deposited.

On November 2nd I, (Jennifer **) mailed a check for $3000.00 to Citibank to pay off loan #** in the name of John **. On November 9th, I noticed that an ACH had been processed through Wells Fargo Bank. I wasn't sure what that was but I had only written one check from that account so I called Citibank and they advised that they had not received a payment in that amount, so I called Discover bank and they advised that the ACH was from Wells Fargo and that it had gone to Citibank. At this point, the struggle really begins when Citibank customer service can not locate this information and does very little to help us locate this.

Refinance my mortgage and approve for a loan. The next day company asked for $700 for title and survey report. Title company pull all references to my name for county. Pulled 50 liens on my name. None of the liens were associated with my residence. Citibank declared that they are unable to refinance because of the liens. I went to court house and tax assessment agency in my county and none of liens were attached to my home. Citibank denied my financing because not clear title. If they would pull correct information for reputable title companies they contract I would consider it fair underwriting.

Do not get a checking account with Citibank! If you do you will regret it. You have been warned. As of right now there is a "block" on my checking account. I discovered this as I was trying to order food over the weekend. They left me with no access to my funds, no money, no food and no way to pay my bills. When I called they told me that I had to speak to a particular department and they are conveniently closed on the weekend. I was told that my account was restricted because I have another checking account. I was told to have two separate online banking accounts by Citibank. My goal was to have two separate debit cards so that I could use one for spending and my other account for bills. So they have essentially screwed me over because of something one of their representatives told me to do.

I contacted Citi the LiveChat (which they notify you is being recorded, aha) on their website. I asked the representative whether Citi would refund the Global Entry fee on the Citi credit card I have. He said yes and I re-asked couple times to be sure. He re-assured me they would refund the fee, I just have to call Citi. So I went ahead and made the purchase, contacted Citi after the transaction posted, they told me I have to wait for the monthly statement. Contacted them again after the transaction made it to the monthly statement. This time they told me they won't refund it. I let them know a Citi representative I chatted with told me they will and they said they'll open a case/claim with some Citi department that does have access to the chat history.

My husband and I have had an account here for more than 13 years. We added a savings account but since I wasn’t with my husband my name wasn’t added. I went into the Elmhurst NY branch to see what I needed to do to get onto the savings and the person I talked to said, "Just bring your husband and yourself and your banking cards." Went in today with everything we needed and waited 2 hours, gave all the information and then got told that they couldn’t do it cause we needed proof of address even though I told them that we never moved. I only have a passport cause I don’t drive so I didn’t bring a utility bill with me. The lady said, "Anything with your name and address," so I showed her my online student loan that had my address and name. And she told me, "No, that isn’t good enough. It has to be government issued or utility." But she was willing to take my cellphone bill.

BBB Complaint Filed: End of November (for those still following at home). Last response: Feb 13. Okay so after another useless phonemail from Jessica today from some Executive office, she has wasted MY TIME AGAIN to state that they are not changing their decision on their faulty bullcrap addition of Payment Safeguard on MY ACCOUNT with NO PERMISSION despite my OTHER CARD BEING REFUNDED from the last lawsuit. Telling me I opted into this during a card activation is complete garbage. And then you tell me you tried to communicate about it twice years later? BULL.

There is always a problem with Citibank's stupid website. This week, the bank is conducting maintenance and as a result, I cannot see any of my checks online. An online representative told me that they can send me the image of the check I want to see in 24 to 48 hours but that I can open their e-mail with yet another stupid password. How absurd; 48 hours later I still have not gotten anything. If it was not such a hassle, I would've switched all my banking to Bank of America, which has a superb website.

Citibank refused to refund my dispute charge $350 since 3 month ago. On Nov. 15th, 2018, I saw there is a unrecognized transaction ($350) on day of 10/26/2018 in my credit card ($350). I disputed the charge immediately and Citibank promised me that they will refund that credit to my account within 3-5 business days. However, 3 month later, They are still convincing to wait 3-5 days. I will sue them for $350 and the time and spirit I spent on it.

I received an invitation to open a checking account and a savings account and receive $400 opening bonus. Since there is no branch in my area, I opened them online and received confirmation that the opening balances have been received ($100 in C, $1000 in S) then I wired additional $14,000 to savings. Today (2/11) they can only find $100 in checking. After talking to many "specialists" I still have no idea where the funds are. I am going to forget the bonus and close the accounts. I will never fall for the "invitations" from Citibank again!!!