Citi Credit Cards Reviews

I just cancelled my Citi Card which generated American Airlines miles. Over years, the ability to reach a person has dwindled to impossible. I have no problems with Filipino customer service, but they often think they're speaking English and it is mumbo jumbo. I used to have a number of (slipped to me surreptitiously by a customer service person,) that connected me to someone here in the US. The prompts now torture you so awfully, forget reaching someone who speaks English natively. Most of the ones you reach are unintelligible. They try and I express to them my understanding that it is a hard job, I am not mean to them. But any question you ask they say have to ask "the Team."

Horrible! Horrible! If I can write horrible 100 more times, I would! Worst! I mean, worst bank ever! Do not bank with them! They will decline every transaction you make, no matter what it is! It's so bad they don't even text you, they make you call for a $20 food order, thinking it's fraud! Horrible bank, it's so bad. I never write reviews & this is how upset they've made me.

I am beyond frustrated with Citi Credit Card Services. My card was flagged for suspicious activity, which is understandable, but the way this was handled was unacceptable. I approved the charges TWICE through their verification system, yet my card continued to decline. I then had to call customer service while sitting with someone waiting to be paid in my driveway, only to be told they had “no way” to verify me because their phone verification system was down. So despite confirming my identity and approving the charges multiple times, I was left without access to my own credit card because of THEIR technical issues.

I need to share my experience with Citibank regarding a fraud dispute that has been very difficult to resolve. I disputed an $897.72 charge from a merchant in Indonesia that I did not authorize. The claim was denied after Citibank stated the merchant provided proof that services were completed. When I requested that documentation, I received invoices that raised serious concerns:

Barclays credit card converted by Citi & switched over to a Citi Card without my permission. I had just paid my $99 annual fee in March to Barclays, then Citi converted my card in April to a card with a first-year annual fee waived. Citi refuses to refund my $99 that I just paid for a card they converted & that I had no control over. So now I’ve paid $99 for a card. I don’t have and can’t use. What a bunch of crooks.

Many problems with this company. I was a customer for over 30 years. Recently: 1) I tried to buy a cellphone online. Citi blocked the purchase. I didn't know why it didn't go through until today, weeks later, when I called about another issue. 2) Their monthly statements have become unintelligible. I'm on autopay - it should be simple. But it is not. 3) I tried to book a flight using my miles. The agent made a mistake, which I again found out weeks later. I had to rebook, at a penalty. Go elsewhere!

I had a American Airlines Mastercard through Barclays which has since been taken over by Citi. The very first on-line transaction I tried was blocked by Citi. I guess I can understand the firm being cautious. But, I still had the same credit card number that was on my Barclays Master Card. The first rep was nice but after waiting 10 minutes on hold he tried to transfer me and disconnected me. Waste of 15 minutes of my life.

My review isn't good because I feel CITI doesn't have humanity in them. Two years ago my wife died and when I called to remove her name from the account they closed it saying that it wasn't a joint account which I don't understand because every bill came in both our names and my payment sent in had both our names on them. But then wonderful CITI said I could apply for a new account and they gave me one with a much lower credit limit. Now understand this. I had perfect payment history with them. So I added my son to the account and when he went to pay for his hotel room near where he was getting cancer treatment they refused payment saying it looked fraudulent when I called and they apologized but the very next day they did it again. I asked for a credit limit increase and they refused that. So CITI I paid you off and guess what's not going to be in my wallet?

To put it mildly… This card sucks! This is the worst credit card I have ever had to deal with! Constant calls into Customer Service who can’t do anything who escalate you to the fraud department who then escalate you to the security department then send you back to Customer Service department for false fraudulent claims for no ability to link to your Apple Pay declines on new purchases so the transfer zero balance promise squat because they can’t even get the card to work!

Contacted my credit Citicard about not receiving $20 cash back in points by using a link Citicard platform offered in my portal with Intuit turbo tax. Spoke with a supervisor who advised me they will investigate and call me or email me and after 15 days waiting I contacted citicard back and nothing was resolved. Ridiculous. I can’t trust my own credit card. Is not about the money BUT A PRINCIPLE AND CUSTOMER SERVICE TRUST….. O **.