3.5/5 (658 reviews)

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Overall Rating3.5 out of 5
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Page 1 Reviews 0 - 10
Verified Reviewer
Original review: June 3, 2023

In March I applied for a Citi Card with a $200 statement credit. I called Citi Card and a customer service rep confirmed that I'd receive a $200 statement credit. I called again in April and a rep told me it would take 8 to 10 weeks to receive the statement credit. I called again in May and a rep told me that I wasn't eligible for a $200 statement credit. I issued a complaint and received a letter confirming that I would never receive the $200 credit I'd been promised when I applied for the card. I only applied for the card because of the statement credit--I knew that applying for a new credit card would cause my credit rating to drop, and it did. So this was a lose-lose for me. Will be cancelling the card.

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Verified Reviewer
Original review: May 11, 2023

The Citi AAdvantage Credit card was applied for to purchase an American Airlines flight and receive the 30,000 bonus miles. When approved, they showed an image of the temporary card number, expiration date and CVV code in order to purchase the flights right away. However, everything timed out. Citi customer service could not help me until my card came in the mail 10 days later. By then my flight was sold out and the card was useless. I had to speak with NINE different customer service folks along with dozens of different 1-800 numbers before I could receive an answer that no one was able to help me. Horrific experience, and my account will be closed immediately. I wanted to card canceled, account closed and the hit off of my credit report. No one was able to help.

2 people found this review helpful

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    Verified Reviewer
    Original review: May 9, 2023

    I have been trying to resolve a constant denial problem with a brand new Credit Card. Citibank uses customer service from another country that do not know how to help solve issues. The verification questions are fraudulent. I was asked to provide a another credit card from a different bank to verify my identity??? Verification could not be completed from my AT&T phone number via text. I asked for a US based customer service rep, but was given one that had an Indian accent. I need to pay invoices, yet I have to wait two weeks for a letter to arrive until I can use the card. *DO NOT APPLY FOR THESE CARDS*.

    2 people found this review helpful
    Verified Reviewer
    Original review: May 4, 2023

    I disputed a charge that I had purchased online but never received. Citibank and/or CitiCard always sides with the vendor against the consumer. They denied my dispute and continued to charge me. Filing with Consumer Financial Protection Bureau. You would think that they would have a better reputation, but clearly they are such a shoddy and misrun organization. I even had the most horrible experience of dealing with their sketchy and misran banks. Removed most of my monies and transferred it to an actual real Bank.

    3 people found this review helpful
    Verified Reviewer
    Resolution response: May 3, 2023

    The only resolution is I have an American Express card coming. It appears much less expensive and adds income back to me. Citicorp obviously believes its customer service is working well when it’s not.

    Original review: May 2, 2023

    Updated on 05/03/2023: I only know how Citi operates, but the burden is on the cardholder rather than the scammer placing bogus charges on the bill. The customer’s card is closed, and a new one issued in 5-7 days. The nuisance factor of changing all the sites that use the card makes it tempting to just ignore the fraud. Customer service is simply customer protocol no more.

    Original Review: My Citi Business MasterCard allows scammers to add charges to my card. It’s between them and the bank. I have my card and no knowledge of the scam charge. Called Citi to remove the charges and, bingo, they remove my card. Never mind 30 years, and a million $ in transactions. What law allows them to process scam charges in this manner? I believe regulatory agencies should get involved. Consumers are sitting ducks for fraudsters. Maybe the whole system of credit cards should be revised.

    2 people found this review helpful
    Verified Reviewer
    Original review: April 19, 2023

    I had Citcard for years, never missing a payment, rarely late. Sold my house, called them and paid off balance and closed my account. Months later I get a bill for over $200 for late fees and interest. Called to find out what was going on. They said I had reoccurring payments coming out of my account and one was processing the day I closed my account. Amazon took money out for Prime account. Less than $20 dollars turned out being over $200. They had my current address and was even sending me statements there before I closed my account yet they waited until my bill was over $200 before sending me a statement. They did not care about the years that I never missed a payment. They did not care that for months after closing my account, I never received anything from them for months until I got the bill stating that I owed them over $200.

    I was told it was my responsibility to make sure that the bills were paid, even though the account was closed and I was unaware of the charge that was made AFTER I closed the account. They were willing to remove one late payment fee but that was it. I can see missing one statement from them but several? I paid the balance and will never do business with them again. I had called 3 other credit cards that I had and paid them off as well as closed my accounts with them also.. Citicard was the ONLY one I had trouble with.

    4 people found this review helpful
    Verified Reviewer
    Original review: April 14, 2023

    Customer service agents are wonderful. The customer service system is horrific. You can update your online account only by receiving a phone call. No SMS verification. So I am locked out of my online account with no way to fix that. I am out of the country and my US phone number takes only voicemail. It is impossible to get a phone call and press pound to get the code, because *it’s voicemail*. I have been on the phone with them for literally hours today and none of the agents can help. They all said they updated the phone number to one where I can actually receive phone calls, but the system is still asking to call the other number. I finally transferred the balance off of his card and I will never use it again. US companies move their customer service overseas so they can pay their agents nothing. And apparently do not care at all about the customer experience. I would hope this costs them business, but I doubt it.

    5 people found this review helpful
    Verified Reviewer
    Original review: April 12, 2023

    I've been a Citicard holder for almost 20 years, or even more, I don't remember truthfully but they've really changed their ways of doing business. Their Customer Service is non-existent. They make offers of balance transfer to a no interest credit card for 21 months but that's NOT what you will receive. My credit score is roughly 800+- with an income of just under 100k annual. I have 2 CC's (one is a citicard) with total credit limit of just under 50k. My total balance is 20k for both cards. I apply for a balance transfer credit card offer. They call me & leave me with a voicemail & security code to enter. When I do they tell me my info is not available & hang up.

    I finally reach someone 5 days from the APP date & they congratulate me with my Approved application for my NEW Diamond Preferred Citicard with a credit Limit of 3K! There's NO mention of a balance transfer but they told me I can apply for a credit limit increase in 3 months! Like I'm some college student establishing my credit!? Needless to say this Diamond Preferred Citicard will be cut up in tiny pieces when it's received & the account, ALL MY ACCOUNTS, with Citicard will be cancelled. Don't waste your time. They even have a Citi-Bot now so human interaction is being faded out. Stick with a Financial Institution that recognizes your existence & your business. Citicard is NOT one of those institutions. I wasted my time at Citicard.

    7 people found this review helpful
    Verified Reviewer
    Original review: April 7, 2023

    I feel like someone is playing a joke on me. Maybe I’m being discriminated against because they think I have no money. My account got put on hold, because I made a big payment. They made me conference call my bank with them to verify the funds came out. Which they did. Then he tried to say because it was pending. They still are going to take my money but not give me my credit increase on my card. They said, "After it clears, call us and conference call us again with your bank." Haha. Is this a joke. I’m canceling my card.

    7 people found this review helpful
    Verified Reviewer
    Original review: April 6, 2023

    Citibank service is horrible, but if you Ever have to deal with the Citicard department (which is completely separate), they are by far the absolute most horrible customer service to deal with! My Thank you card, despite being on auto payment, was charged several fees that I had to fight to reverse and wasted over 1.5 hours and switched to over 6 people to get help! In addition, without ANY reason and clarification, they had raised my interest to about 30% on the card!!! Not only going through 6 people and wasting lots of time and stress, DID NOT help at all, at the end they basically hanged up the phone and NEVER resolved! IF YOU EVER GET TO USE THIS LOUSY SERVICE, YOU WILL REGRET IT!

    4 people found this review helpful
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