Citi Credit Cards Reviews

I paid off my balance and destroyed the card never intending to use it again. I received another statement and the balance was $20 for the annual renewal fee. In the numerous calls I made to them to inform them of this, my call was repeatedly disconnected. Now, I am being threatened with late charges and interest. This is potential theft. They want my money and I have nothing. During the last call, the representative who refused to give me her name said that their system was unable to waive this charge.

I am extremely irritated at your computer handling of my account. I am in Morocco on vacation and wanted to check on accuracy of some charges. You asked me security questions and I answered them correctly and you wrongly locked my account. I demand that you unlock it immediately or after more than 30 years, I am going to cancel my card with you!

I tried to purchase an informational report on the internet for over $100 using my card. The merchant sent me an email saying they could not supply that information but ended up putting the charge on my card anyway. I was unable to settle this with the merchant so I disputed the charge with Citi, providing them with proof the merchant had said they could not provide the report.

My Citicard's monthly payment was a few days late this month. However, I am now up to date. I received a phone call regarding late payment and advised the caller that payment had been made. They have continued to call me, almost daily, despite my asking them not to. Today, there have been four calls at 8:17am, 10:33am, 11:57 am, and 6:07 pm from 800-388-2200. I need to know what to do to stop this harassment. Thank you.

They closed an account for non-use without notification, knowing that it was going to affect my credit rating. I called and was told that they did notify me beforehand and then said they didn't. I've never been late and had a credit limit of over $20k. I piss gold! What a bunch of lying losers. How many cards can I use at one time? I used 2 other Citi cards that had better rewards, but that doesn't count for them - they are different and not the same cards. Same company though. What a ripoff. Of course, they have never made a penny off me for fees, but did make a nice profit from the many thousands of dollars that I charged over the 20+ years I have had cards. Should have never been bailed out. Overseas operators! Your tax dollars outsourced! Screw them and the horse they rode in on. Piece of ** company. You fill in the blank!

It is a no wonder that Citibank has the problems it does. I have been a loyal customer for 13 years. My perfect credit history created a $50,000 credit line. Therefore, you can understand my confusion when I received a recorded message yesterday that my spending limits had just been changed. I called immediately and was notified that because a payment was received three days late (first time ever), my spending limit had been cut back to $2,000. The representative noted that is was probably the holiday traffic that caused the three-day delay in being documented. They would not reinstate the credit limit without going through an entirely new application. All three of the Citibank managers agreed this was ridiculous but had no authority to change the situation.

Watch out for CitiCard. When you first open your account, make sure you are clear about the due date and get your payments in on that date. If you do call up Citibank about removing a late fee, make sure they actually remove the fee. I called up and made a payment 3 days late. Since it was the first payment, they said they would remove the late fee but didn't. After speaking to numerous customer representatives, they still haven't gotten my account straightened out. They added an additional $10 payment saying it was late, which they could never tell where the payment was from. Then on top of that, if your account is past due (even if it is their fault), you can't get access to the auto pay. The auto pay automatically sets itself to the amount they decided is the payment, which in this case was $69. But the account itself shows the payment is $20.

I have tried to use this card twice in the last two weeks for small purchases under $500. There is no balance on this Citibank card. I never have had a balance on it and have paid the damn balance for years! It's been rejected twice. There's no real reason why because they say I never used it! Really? I used it just last month to lease a car for over a week! Both times in the last two weeks, it's been rejected. The vendor has called me back and asked for a different card. It's embarrassing and annoying since there should be no problem.

I have filed this complaint to Citibank Credit Cards on the BBB website. This is the second problem in a series of problems with the Citi Cards Company. I made a payment to my Citi Cards account via personal check in the amount of $5,697.07. The account info was written correctly, and the check was in my name. I also called to follow-up and confirm that a check would be coming in the mail, and to deposit it to the correct account. The check was mailed on 9/28. On 10/2, the check cleared from my bank account and my bank account balance reflected the deduction of $5,697.07 from the check that I had written. However, there was no payment reflected on **. Additionally, I continued to accrue interest in the amount of $58.63 for that month.

AT&T credit card services - I lost a child after several months of pregnancy. I had a very rough recovery. Needless to say, I became behind on my bill by only making half payments. I was contacted by the company to pay my bill. I agreed to pay the bill and they could close the account. The bill was paid in full and I was told by the Recovery department that after the account was paid in full, it would show up on my credit as being paid and account closed by grantor. They lied. I fought with this company for 2 years and it was a $600 debt that I paid off in 3 payments, and I should add, the collection agency they used charged me a fourth payment of $250. I continued to get threatening calls from the collection agency even after I had made an agreement with the credit card company for 3 set payments.

My main concern with the Exxon Mobil credit card is that I received a letter from Citibank indicating that the Exxon Mobil MasterCard program was being discontinued and all its account will be closed effective 10/31/12. When I called Citibank, I asked why this was happening and the representative indicated that they no longer have that program, yet they still are receiving applications for that card. I was baffled when the representative explained that it will not affect my credit history as the card will show that I asked to close the account, which is something I never did. I have never been late, missed a payment, or purchased over my limit. This is outrageous and I wonder if it is legal. I have been a customer for over seven years. Can Citibank indicate on my credit history that I asked to cancel the account when I never did?

I listed Citicard as part of a debt consolidation loan 28 days ago. I also asked my account to be closed with the payment made directly by my credit union. They closed the account but the check is nowhere to be found, as they say. And if it went to the service center instead of the payment center, it would have been shredded. The bank issued new check 10 days ago and overnighted it, and still no credit to my account! Phone calls are a nightmare. I’m so disappointed.

I received an email stating that my account limit had been reduced by half due to one or more late payments in the last 6 months. As I am a customer of over 14 years and have never made a late payment, I was shocked. I reviewed my account and noticed that the October payment that I had made on line was not posted. I contacted customer service to state that I had made a payment on line and did not realize that this had not gone through until I received the email. The representative said that she could remove the late payment but that was it.

Citibank became the loan servicer for AT&T universal card sometime during the mid 2000's. In 1994, my initial credit line given with AT&T was for $5,000 at 7.15% APR. I retired from AT&T in 1996. In 2001, I was declared permanently disabled. Soon after Citibank took over the account, I began to get large increases in my credit line which I did not ask for. I called Citibank and asked for a reversal of the money. They would not agree. I insisted that a notification be given me in the future before increasing my credit line. They agreed. However, Citibank did not keep this agreement.

My Citibank MC was compromised and the initial fraudulent charge of $100 at a fuel station 80 miles from my home was made on a Saturday. On Sunday, another $100 fuel charge was made again at the same location. I know fuel prices are sky high, but the exact same charge 2 days in a row didn't raise a flag? Then, there were multiple charges made at a discount store all on the same Sunday, as well as a fast food restaurant, all in the same area, 80 miles away.

I have the card for 26 years. I used the card to rent a car on September 29. On October 3, 2012, I tried to use the card. I was told the card was closed without notification. The worst customer service.

I had an overpayment to CitiCard and when I called twice, there was no response. They owe me about $250. They had me on the phone waiting for over 30 minutes and never came on the line, and I had to disconnect. To this day, I have not seen the money that they owe me. Do not do business with this company.

My boyfriend and I took out Citibank credit card in order to receive free companion fare. We were told in July 2012 that the fare does not expire. We called today, September 15th, to use the fare and they told me it expired in August 2012. I am extremely mad about this. The man I talked to was not wiling to help in any way. I was given false information and they took advantage of me. What can I do?

Citibank has recently been soliciting my credit card business for almost a year. I sent in one of their applications, and they issued me a credit card, no interest for 12 months, etc. Two months later, they now have closed my account and say they cannot issue me a card or reopen my existing account. They closed this account without my permission. In fact, I had told them to keep it open. My balance when they closed my account was zero, no thanks to them! I had tried to pay my balance online. When that failed, I finally paid it over the phone. I just didn't trust these guys. And now, I can see that my judgment was spot-on! My question for Citibank, now that they are no longer interested in me, is why they issued a card to begin with, and how they could justify closing my account, considering that I went the extra mile to make sure the account was paid in full? Apparently, they realized they couldn't make any money from me, and have lost interest. I'm just guessing of course.

These people call my phone 24/7 looking for some person I've never heard of. They called 7 times on a Sunday and then started calling on Labor Day at 11:30am. You would think someone would get a clue that if they were told no once that they probably should quit calling. This is blatant harassment. I don't even have a Citicorp account of any type. Dah!

I opened an account with CitiCard because of a no-interest loan for 18 months. I checked my most recent statement and found that I had been charged a $20 late fee. I called customer service; the rep was obnoxious and barely let me explain my case. She stated they had received my payment one day late and would therefore charge the late fee. I felt this was unfair because I have made a point to pay much more than the minimum due each month. I asked her to remove the charge. I just received notification by e-mail that they will not remove the charge.

I received a letter from Citibank informing me that the Exxon-Mobil MasterCard credit card I have (which provides a 15-cent per gallon discount) will be cancelled effective 10/31/2012. It stated it had nothing to do with my payment history or credit rating (I pay in full on the receipt of every statement). However, they are offering a new card I can apply for that offers only a 6-cent per gallon discount. The insult is (yes, of course, they discontinued the card because of the 15-cent per gallon discount and payment in full) that they didn't automatically issue a new card with the new discount rate. I wonder who Citibank thinks they are fooling. I didn't just fall off the turnip truck!

I sent my check on Aug. 14th before heading on a trip. The due date was Aug. 22. The check did not post on Aug. 22. I panicked and did a bank withdrawal. It took a day so late. Late fee and interest on my one-day late. The check posted on Aug. 28, 14 days after I'd sent it. Then I'm noticing checks were taking 9 days sometimes. Sending to the mail address for people who do paperless. I think they are holding on to the checks to make them late. I can't prove, I did not send it registered mail. My American Express was sent the same day and posted Aug. 16th. I've been a Citi card member for 19 years. Never late. They would not refund the interest. I'm no longer a CitiCard member!

Citibank put a hold/freeze on my credit card as I attempted to log in to review my account after several years of no accessing my account online. The unfriendly and unprofessional woman I spoke to could care less about my concerns. All I wanted to do was access my account online again. I was placed in the fraud until without not one person asking why I am calling. I began to politely express my disappointment in the company and the woman hung on me. I am so happy to say that I have two more payments before that card is paid off for food and then cancelled! Bye bye, Citibank! Hello, American Express!

I called and told the rep about my financial situation. I got no assistance with negotiating rate to pay off high balance on card.

I received a credit card and had it activated. When I went to Georgia for showcase, the card was denied. I called customer service and was said that it was fixed. When I tried using the card, it got denied again. I called, was transferred to a manager and put on a conference call with a supervisor. They both said it was fixed. Still, I had to call every time I tried to use it.

Our Company FDS had recently been offered the opportunity to extend our sales agreement and this included access to a credit facility of 30 days on both consumables/parts. This strengthening and increased trust with a multi-national company valued at over 15 Billion USD who had sourced a unique piece of automated tech from Japan was placed in severe jeopardy and tarnished due to a fault whilst processing a payment close to 20K AUD. My wife’s Virgin Credit card which is linked to mine defaulted four times even though the balance in the account clearly stated an excess of 18K. Virgin Customer Service took 24 hours to reply via phone after I had left messages and sent emails to this department requesting urgent assistance. Meanwhile the outstanding debt with my supplier had not been paid and to add further embarrassment, this account was placed on Credit Stop. I have complete written communications during the entire experience which includes their offer of 80K Virgin Velocity points. This Citibank error damages both personal and company reputation.

My wife insists on having this card for its American Airlines miles. I had a fraudulent use of $3,200 that they made me pay, because they did not want to offend the merchant. Another time, a service provider physically threatened my wife if she didn't pay for a service that damaged our property. Citibank made us honor the payment because my wife didn't call the police (which she should have). This is a company about which we learned many complaints had been made to the police and the BBB.

I received a hard copy letter that was forwarded from an address that has been obsolete for over 12 months. The letter contained the full 16-digit Mastercard number of an account that was closed due to identity theft in March 2011. The customer service rep was unable to delete the address, stop hard copy mail and change delivery to the electronic Citi web document center. A CSR told me the account has not been active in 12 months; therefore, it is ready to be archived. In effect, no corrective action was taken. I want an attorney.

Starting July 22, Citibank will reduce an Autopay amount on the credit card when non-Autopay payments have been made. So if one is trying to make interim payments to pay more than the minimum, these payments will reduce the amount of the Autopay thereby preventing you from paying off the credit card faster. The choices for Autopay are limited: Pay the minimum, pay all or pay a set amount but if that amount is even $1.00 too low, one incurs fees. So how does one make extra payments on this card automatically? One cannot. So, the bank reaps the benefit of charging interest for longer, and making it more difficult to pay up the debt, typical Citibank behavior.

I have been receiving emails for an account owned by Ashokkumar **, for over 7 months now. I have called twice, assured that there was no link between my email address and this person, and forwarded all the emails I have received in the past 7 months. The emails did stop about 3 months ago, but have resumed on 6/20/12. I really am wary of any company that does so much business over the internet, and cannot or will not safeguard their data. I have not received any follow-up calls or email, except their automatically generated responses. I know this is small beans compared to some of the complaints on this board. But they all seem of the same vein. Citicorp really doesn't care about their individual clients. I guess the only way to make them notice is a mass exodus to another card issuer. And that is what I am doing.

In 2008, I took out a secure credit card for $300. Things did get bad with me and I stopped paying on my card. However, the money on the card was mine, but now the bank is telling me that I owe them $365. I told them to use my secure $300 and clear it up and I will pay the interest of $65. But they are saying that I did spend my $300 already, but now owe them $365. I don't understand because the $300 was my money. Can you help me?

My house was broken into and my credit card was stolen and used. I called Citibank to let them know my credit card was taken. They closed my account, took the charge that the burglars took and transferred that to my new credit card. I think Citibank is another burglar.

We have been receiving at least a computerized phone call every hour to our business phone at our home. I have called and talked to several managers and it was determined that the individual they were attempting to contact has never lived nor had our phone number. But the calls will not stop! This is without a doubt consumer harassment!

I have no idea who else to contact. I have had a Shell Citibank card going on for 10 years. Payments were always on time and the balance was well below the limit. I am an 88 year old woman with one authorized card on this account for my grandson. We had a payment due in October that fell on a Sunday, the payment posted on a Monday. 30 days later, our interest rate jumped to 29.99%, making my minimum payment $135.00. The card is now maxed out as I am on a fixed income and my grandson was laid off. We made the minimum payments, but had no way to make any headway on this card. I hold two other cards with 12% rates and are in good standing. We called Citi for help and were told there was no help available. I also have a Sears card (now managed by Citi) with a zero balance which was my backup emergency card should I have to make large purchase for an appliance, water heater etc.

My son is behind in his credit card payments. He is overseas. They have his email but not a phone number and neither do I. They keep on calling me about him, and are very rude and aggressive. When I say, "He is 35 and so why ring me?" they say because I am next of kin! I say, "So what?" and they stupidly reply "next of kin" again. They are intimidating and harassing me for no reason whatsoever. I have told them one more call and I will sue. I am not a customer of theirs and never will be! What a bunch of cowardly bullies.

I spoke up about unfair ways and they threatened to close my account - While disputing CitiBank's actions to lower my credit limit, I have encountered the following. I have been in communication by phone, email, and letters with 2 representatives from Mary ** and Deborah ** of the Executive Response Unit. CitiBank said that they lowered my credit limit because of outstanding balances with other creditors and cited no specific examples from my credit report. I guessed that there was an issue with a Discover Card account which did not belong to me, and I took action to have it removed from my credit report. It was removed.

I spoke with Aaron, the manager, at their 1-866-435-6176 number. We were promised a new modification on our account for $6k. This was promised by Doug on the the 13th of April. I called this week on the 24th and was told they could not do it. This is nonsense. Where is all the TARP money that was given to these crooks? Meanwhile, we are stuck with high interest payment of $250 per month. All interest, nothing towards principal. Citibank has always had a bad rep. Stay away from these banksters. Btw, the CEO was just paid $13 million. It must be nice to be a bankster.

A year ago, we entered into a payment plan on our credit card because we were struggling making payments due to unemployment. Citi was automatically taking out the payment each month. They just stopped and now I get calls from a collection agency. We never received a bill or any communication. The collection agency rep told me that I should have remembered. I guess I am supposed to be telepathic and know the minimum amount due and the due date. Citibank is once again engaging in fraudulent practices.

I needed to obtain dumpsters for loading debris from an old shed on my property. The company insisted on a credit card number in the event of damage and would not accept a check. There was no damage. However, the dumpster company charged my credit card for overweight charges. I was not informed until after they had the money.

I obtained a credit card from Citi to get airline miles. Although I met the requirements quickly, I was informed that miles could not be credited in a timely manner - perhaps several months. Be careful, if you need miles quickly even if you had met the requirements, they will not honor for a prolonged period of time.

I spoke to a Citibank account specialist and we worked out a repayment plan since I was out of work and not unable to make my monthly payment for around 6 months. In that time, they were able to charge an extra $2000 in late fees and interest on a $3000 balance! Do not get this credit card! They are the biggest rip off liars that I have ever experienced! To make matters worse, I began my repayment plan 5 months ago and there is no evidence that payments have been made except from my bank account! With that, the account has now been charged off since according to them the payment wasn’t enough to cover the late fees and finance charges! Why did I start a payment plan?

The amount that I applied to borrow on the Citibank credit card was $20,000. The estimation of that amount is based on my wage. I called the bank up to find out my balance and to my surprise, my account was overdrawn by $3,600. This should not have occurred. It will put family in bad financial difficulty.

I have been a Shell gas credit card holder for 25 flawless years and I use my gas card for business so it is paid through my office. On 3/11/12, I received a phone call from Citibank collections stating that they had not received my prior month’s credit card payment. First thing Monday 3/12/12, I called my office regarding this. They had received the statement but it was late and had already mailed a payment around 3/8/12, which Citibank deposited on 3/16/12. Prior to them contacting me, they already reported to the credit agencies that I no longer pay on time, pay 31-60 days late, was $ 26.00 past due, and owed $417.00, which cause my credit score to drop 100 points.

In 2011, I took advantage of a low interest balance transfer from Citibank on my Citibank Advantage MasterCard. Although it was good for six months, I paid off the balance transfer in 2 months. Then I noticed that I was still getting interest charges related to the transfer on my account. I called Citibank and after much back and forth, they admitted that in order to completely pay off the loan, there can be no activity on my card for at least 30 days. Otherwise, the manner in which they process payments, always applies payments to anything besides the transfer. I then made sure I had a zero balance on my card for 45 days, checking their website daily to make sure there were no unexpected charges. I then called again and they reversed the interest charged and I thought the matter was resolved. Lo and behold, several months later, March 2012, there is another interest charge on my account. I called again today, 3/23/12, and spoke to a supervisor and they said they could reverse it but basically they are going to nickel and dime me forever. I plan to return the card to Citibank.

Four years ago, my husband of 25 years committed suicide. He left suicide notes, one in which, he stated that he had used my information without my knowledge to open many accounts. I have 5 children and had to deal with countless issues surrounding his death. Settling nearly $100,000 of debt he took out in my name was nearly a full time job for the next 2 years. Most of the credit card companies accepted the death certificate, suicide note, police report number but not Citi! They then turned it over to the hounds of hell debt collectors who called and harassed myself and my children on a daily basis, necessitating me to disconnect my land line. Of course, this adversely affects my credit score also.

They lowered my credit limit by $2,000 without advising me first, despite my perfect payment history. They lowered my credit limit basically to $50 above what I spent. They also did not apply over $1500 of my payments to my promotional balances first. So after they lowered my credit limit, they piled on deferred interest of about $1000 which took my over my limit. So I closed my account and I am continuing to pay the balance as I always have. This will be my first and last experience with Citicard. In short, they are scam artists.

I despise Citibank. They claim that nearly $7,000 in fraudulent check have been written against my Citibank credit card. I have been fighting them for more than 2 months. Each person I speak to have no idea of any previous phone calls, because their records do not show that any prior conversations took place. The late fees now exceed $400, and it is affecting my credit score. There is no one in charge at that almighty bank. They quickly take your money, add charges, make accusations, and then there is not one that you can speak to accept uninformed and rather dumb phone clerks, who offer no help. I am so angry and cannot get any help from Citibank!

Citibank has been charging me $30 every month for the last 2 years, calling it a "Credit Protector Fee," without my consent. I unearthed this practice for the first time in December 2011, which is when I called them to remove all charges. Citibank then claims that I need to call a separate entity to settle this. Why should I call a separate entity when it’s Citibank who has been charging me $30 a month for each month on my Citibank credit card? Regardless, in December 2011, I called this separate entity called Credit Protector and they promised me that they will take out all charges. There was no action taken from either Citibank or Credit Protector to remove the unjustified charges.

I received an email from what I thought appeared to be Citibank with an address of citicards@info3.citibank.com. The email address looked suspicious because of the way the address appeared and because the content didn't quite make sense. The email explained that my credit limit was reduced to $14,640 and my balance was $14,451.22, leaving me $188.78 away from my limit. I called Citibank to verify the information in the email and the customer service representative confirmed that the email was a result of "Experian alerting CitiCards regarding derogatory changes to my credit report". I found this impossible because I checked my credit about 4 months ago and it was above 700 and I have not been using any credit nor made any late payments on any accounts.

I have had Sears/Citibank card for 12 years, always paying it off in full every month. I noticed an unusual charge on my January bill (did not match my receipts), and discovered I was charged a late fee. I knew I had mailed this day in advance and wondered what the heck? My statement showed the bill was due on December 25. Now, obviously there is no mail delivery on Dec 25, and probably no one working in the accounts receivable office that day either.

I have had a Citi credit card for12 years and have never made a late payment (up until two months ago). I had built up a credit line of over $16k and because of one late payment, Citi reduced it to a mere $3400. So I decided to pay off my balance of nearly $3k. Once I paid it off in full, I called Citi demanding that they close my account because I was very upset with the fact that they lowered my credit line so drastically. The service rep was very understanding and asked if I would be willing to speak with upper management about this issue. I agreed to do so. I let the manager know I have excellent credit and have always paid my bill on time. He said he would do everything possible to get my credit line back to where it was before the late payment. He understood where I was coming from and even acknowledged that what Citi had done was not right, being that I had been such a loyal customer for so long.

A credit card delay is more than the agreed 2 weeks and counting. I will be traveling to U.S. next week with no credit card. Please act ASAP.

I am very much disappointed with your credit card changes. Ridiculous and unacceptable. My bill was around rm6k and it reaches rm10k? This is day light criminal, cheating people in such way. I delayed my payment for two months and it reaches to rm10k without using the card at all. What nonsense is this? I want to credit transfer to other bank and close this account. Bloodsuckers. I will pay off full amount the bill in a month time and after that, I definitely will be going to press on this thing. Citibank is cheating people and I am very frustrated. My credit limit is rm8000, but how the hell did it reach rm10000? Bloodsuckers. The interest charges reaching rm4000?

I have been paying down a balance for five years now. This balance started at around $5,000, and is now only down to $2,900. I am disgusted to find out that the way they thank customers for not defaulting, is by raising their APR to 29%, because of a couple of missed payments. These payments were made, but made late, because I was unemployed at the time. I have been honest and determined over the years to pay this off. They say because the account is closed, there is no way to adjust the APR. I find it unbelievable, that the APR can go up, but not down. During this economy, banks (especially) should be doing what they can to help people, who do the right thing. I will never do business with crooks like this again, and I only hope that there are laws passed, that will protect consumers against practices like this. You should not be in debt to a credit card company for the rest of your natural born life.

They have been sending the statements out, you have 12 days to mail the payment and even if you mail the payment within the 12-day time period, it shows up late by one or 2 days. I've called them about it and they say they are not responsible for late delivery or how long it takes them to process it and tell you to get online banking in which only the minimum payment is allowed to be paid. They are crooked.

On 2/21/2012, Citibank mailed me a new debit card. I activated it and I have my bus unemployment going to this account. I called to check my balance and they said that my account was closed. 2 weeks ago, they did the same thing and they did an investigation on the account. They verified everything and they opened the account back. So I don't understand how they then mailed me out a new debit card and then tell me that I don’t have an active account.

Citibank has twice overcharged me so far this year. In December 2011, they played their usual Christmas trick of holding my payment check in their office for a week before cashing it, and then charging me a $39 late fee. Check was mailed on 12/24, and Citibank claims they received it on 12/29, or 2 days late.

AT&T Universal MasterCard. Citi Bank. I have had this account for about 8 years. Always in good standing. I have been late twice by 2-3 days in 8 years. I called on 2/9/12 to make the payment and the payment had doubled. When I asked for an explanation I was informed that my interest rate increased from 7.9 to 30%. I have had that rate for at least 2 years. His reply that was only a promotional rate. Said he has no bargaining power. I would like to keep my credit in good standing. I need advice. I told him that until they continue the same interest rate, I will not be taken advantage of. Please contact me by mail or phone. This is my work email address, except for the confirmation that you received this.

I've been a customer of Citi since Feb. 2006, with their credit card division. I sent out an email to Citi addressing my concerns regarding false information printed on my credit report in November, and the following is the summary of action which they have promised, and now going back on their word. I had opened 5 credit card accounts with Citi when I was a student. I was unable to pay all of them at once, and hence opted for monthly minimum payments on all of them, to pay down the balance in accordance with the collections rep from Citicards. However, after one year of payment, the monthly payment checks were not being processed with Citi, due to the customer service rep not entering my information properly.

They sent out the promotion that read: “Earn a $200 statement credit after you make $500 in online purchases in your first 3 months.” I made $413.81 online purchases in December on my husband’s card and when I called to check that we had gotten credit for this they refused to give me credit for any purchases that did not show up as “.com” on the statement. Frontgate and American Girl ran my online purchases thru their catalog and “.com” did not show up on the statement. Citi did not say anything about making sure my online purchases showed up as “.com” on their statement. I offered to send copies of confirmations I printed from these companies, proving I made them online but they said it would not work that way. I am tired of credit card companies baiting the consumer (their customer) this way. So beware of this promotion and make sure you confirm with the vendor that their billing will show up as a “.com” on Citi's statement.

My credit card got rejected. The reason for the same is I don't have taken any loan or credit card previously from my account. Is this a valid reason?

We had a $28.83 charge that was due on 12-24-11 and was overlooked until it was paid on 1-1-12. The fee charged at that time was $27 (25.24%) due to the fact of the late payment. Sears was called and told that we wanted the high interest reversed as we have (until then) paid on time. The next bill totaled $37 and the latest is now $64! We called Citibank as it handles Sears credit and they would not reduce the fee lower than $29, more than the original charge! We have cut up not only the Sears card, but our other Citibank card we'd been using for our business. We will never use Citibank again!

I received an offer for a Citicard that would refund $450 if $2,000 were charged within the first 3 months. I applied and received the card. The limit was $500 a month (every other card I have has a limit over $10,000 as my credit is good). I called and asked how I could reach the $2,000 mark with such a limit. It was agreed that I could pay on line as I go. When I tried to do this, the program would not accept payment for charges that appeared, but did not appear on the statement. When I called Citibank, they agreed to accept payment, but only after a long discussion. Today, I went out and charged $37. That was accepted. Then I tried to charge $250 but the card was refused. I called Citibank and they said they were still figuring out my charge patterns. This charge would have brought the total well within my $500 limit. What is Citibank doing. In my book this is bait and switch, and unethical behavior of the worst kind.

After a year at 9.9%, CitiCard raised interest rate to 28.24%. I have no late payments, nothing wrong. They just raised the rate out of the blue for no apparent reason. I've been a great customer and this is my reward. I called they said this is the best they can do.

I've had my Sears/Citibank card since 2009 and never used it until this past December/holiday season to purchase a few tools. I never received a bill in the mail and the next thing I know, there's a voicemail on my phone saying my payment is now nine days overdue. I got one *** of a time speaking to two different CSRs located in the Philippines and trying to pay for my bill over the phone was ineffective because their system did not recognize whatever information I gave them. Funny because I use whatever charge/debit cards with a multitude of vendors, etc. and no problems. I asked why no bill and no answer.

When the economy went south, Citibank raised our rates just like they did with most, if not all, customers. Their reasoning was the bad investments they made forced them to raise rates. Since the summer of 2011, I have been trying to reduce my interest rate with Citibank. I have been doing everything right. Pay on time, yes. Pay more than the minimum, yes. Pay our other bills on time, yes. Yet the only thing we have to show for it is a 1% drop in our interest rate. In July 2011, my rate was 21.99%. In Aug 2011, they dropped it to 20.99%. Citibank indicated that they would review this every six months, however, if I hadn't called in August, I would not have gotten that reduction.

The company sent me an invoice twice after the due date. Then they claimed the payment was late! How can it be late if they never sent a bill in the first place?

I set up my Home Depot account for automatic payments in April 2011. My monthly payment at that time was $10.00 with balance approximately $200.00. According to CitiBank, a federal law was passed changing the minimum monthly payment on my account to $25.00 a month. So, in August when they deducted my autopay of $20.00, it was short $5 and they charged me a late fee of $25.00. Every month since then they have taken out my autopay of $20.00 and charged me a late fee of $35.00 thereafter. I now have late fees of $140.00 accrued. In December, when I opened my statement, thinking that my balance is approximately $100.00 and I will just pay if off, I find that my balance is now $225.00.

I've had an account with Sears for 20 years. I've paid off one account and reopened another because of a change with my marital status but I make my payments and more times than not pay over the minimum amount required. I received a letter in the mail regarding a increase of my interest rate around the time the economy went down. I called to ask why and to convey my loyalty to their company. Because of the interest increase, it put my balance over my limit.

I tried to use my card to entertain some clients yesterday and it was declined. I know I have a pretty decent limit so I called up customer service. They told me I had called earlier that same day to cancel my card because of fraud charges. I never spoke to anyone from their department before. So someone called up that was not me and cancelled both of my cards. I have passwords on my account and the rep states that she can't give me any information on my account. I am purchasing gifts for the Christmas season and I have no card to do it with and this is my weekend to shop. They said they are mailing me another card within 5-7 business days. This company is a joke. My school fees and other transactions that were pending were cancelled. I may have to pay additional for expedited services that I purchased with my cards and if that is the case, I will not pay any additional fees due to their mistake.

Account holder in good standing since 1998. Pay balance in full every month. Never carry a balance. CitiCards changed the account number again because of an internal security issue, not due to anything I did. Second time in a year, requiring contact with every merchant I do business with on a regular basis to change the number. (Pain in the posterior.) The real problem is that the last time they changed the account number, they arbitrarily stopped sending me e-mailed statements. I've been paperless for years and have regularly received statements, prompting me to pay in full.

I disputed a fraudulent charge and the merchant lied to Citicards and now the charge has been billed again to my account. I had received no service from such a merchant but the Executive Office at Citicards is on the side of the lying merchant. I never had any business with the merchant, was not told of a non-cancellation policy and in fact in CA there is a law that one can cancel any contract (there was never one to begin with) but Citicards will not refund my charge back. They are indulging the merchant to continue with their fraudulent scam and I have been a customer for 7 years now and have paid all my balances in full each time. I refuse to pay a fraudulent charge and Citicards refuses to help me. They got a huge bailout but only care for the lying merchant. I am appalled and just cannot in good faith pay this charge and have no idea where to turn. If anyone knows of where I can get assistance, please contact me.

I can't find a person to talk to at Citi who can stop the ongoing preapproved credit card mail offers. I have signed up for the FTC 'opt-out' program for preapproved credit card offers months ago and it has stopped all but Citi. Who can I contact to stop the offers?

I had a Sears/Citibank credit card and it expired in September 2011. They closed the card due to an "account review" by Citibank. They stated that my other credit cards (2) were almost at their limits and my credit history was not long enough. Based on those facts, they closed my account. They did not consider the fact that I pay them on time every month and I pay what I am supposed to pay and sometimes more, if I have it. I haven’t had a late payment with them since 2009 and I shop there constantly because I like Sears.

On October 2009, Sears Credit Card Citibank account was opened with a pre-approved credit line of $4,000.00 and on July 2011, the credit line was decreased to $3,450.00. I was not notified in advance of this decrease which in turn, pushed the card over the limit, causing an over the limit fee. The account has been in good standings, never late, paid as agreed, paid more than the required payment...etc. I contacted Sears-Citibank via customer service and I had been advised that the decrease was due to a credit review in July.

I had this Sears/Citi account since 1987. Unfair credit practice by misleading payment arrangement. Until 10-31-11, I did not know Sears has two different types of nego payment(s): 1) "Schedule monthly payment arrangement plan"; 2) " Schedule payment agreement". Both require a checking account in the cardholder's name.

On October 27,2011, I received a letter from Citi Home Depot credit services, stating that my credit card account has been closed. My account has a zero balance. Upon calling the customer service number listed in the letter, I was told that they could not give any details about why the account was closed. Except for the fact that I was delinquent on another account. The other account may not even be a Citicard account! Do they really have the right to do this? Especially with no explanation? I've never heard of such a thing! What a racket!

I called to get my balance and went through a 15 minute run-a-round because I didn't have my security code that I set up years and years ago. All I needed was my balance to pay you off. I had my address, phone, acct number, SSN, and everything else. I don't get statements anymore because I signed up for the email program, which changed. When I am finally able to pay you off, I get the run-a-round. Thanks for being such a helpful credit card. Though this is of no consequence, I'm guessing, thanks. I can't wait to pay you off and not recommend you to others. I’m tearing your card up.

When I opened this card, they offered me a credit protection that costs about $10 a month. I was buying a house and I needed to pay off my credit cards to qualify, so I called Citicard to pay off the account and cancel the credit guard called Watchguard.

I lost my credit card. I was told that a new one will be sent within 7 days. After about 15 days, I phoned about the cards. I was told that my account was closed. No statement was sent. I phoned to find out how much I owed. The automated service told me I had a zero balance. I knew this was not correct. I phoned again and was told how much I owed. It was a large sum and I asked for a detailed statement of the account. I got a summary statement with late fees and interest charges. I spoke to another representative who promised to ask to have these charges canceled, and would send me a detailed statement. I got a summary again with a new account number, but I received no cards.

Please stop soliciting me to obtain a credit card. The day after your spokesman leaves the country, as he promised, I may consider getting a card. In the meanwhile, stick it in him where the sun doesn't shine. Thank you. I will expect no more mailings as you are wasting money.

They issued a new card to me since they evidently were hacked. Their system wouldn't let me pay electronically and kept saying I didn't have the number I had. After numerous complaints to them and payments all along, they are charging me late fees/finance charges and refuse to credit them. I've offered each time to pay in full when they did that, but they say the fees are valid. I no longer want this card nor my Citibank account but I need to get this cleared up first. I always pay in full every month. How can they be allowed to do this?

I have been a loyal customer of Citibank for over 10 years now and have had my credit cards with them, but now, I am so frustrated and disappointed with them that I will probably cancel all my credit cards with them. I had to close one of my credit cards with them as I had fraudulent activity on the card, but I had not used the card for over a year now. I did have 57371 points on it that no one told me that would go away if I close my account and not use within one month. I asked to just close the account as I was not using them and in turn, lost all on points when I went to use them to book an airline ticket on day 31. Due to the poor customer service representative who did not tell me that I would lose my points in a month, I incurred the loss.

My new MasterCard was allegedly sent late in the month of expiration. A second allegedly sent also did not arrive. When finally one was overnighted to me, I was told I would have to be home to sign for it. I waited several hours only to discover it had been left without requiring a signature. In addition, the temporary card is only good for a month, which does not solve the problem of needing to re-register with auto-payment sources such as Netflix. Worse yet, after wading through the phone menu, being put on hold, I finally reached an account manager in Maryland and was disconnected. He returned the call to my answering service but did not leave a number to reach him directly.

I overpaid on the credit card by mistake because their billing system is confusing. When I closed the account, I made sure that I double-checked all the numbers for the last 12 months.

We have a Citibank/Sears MasterCard for 11 years. I never missed a payment and would make payments on our card at Sears with cash. We were canceled without warning, letter or notice. When we asked why, we were told it was because we made payments on our card with cash and that looked unusual. So we were canceled for making payments.

I found out today 09/15/2011 that my Citicard credit card account was closed. They claimed that it was closed because I called them up but I never called them to close my account. I called up Citibank and asked them why it is closed. Beth, a Citicard manager, told me that their records indicated that I called them up to close the account. I informed her that I did not call up citicard to close my account. She told me that that she will investigate and will try to reopen my account. I told her I'd been a member of Citibank since 1999, and there's no reason for me to close the account. Then, Beth called me back and told me that the account was closed for more than 1 month and they would run my credit report. Then at 1:30pm, Beth called me back and told me that they could not re-open my account since on the credit report we have a lot of debt.

My son got accepted to Fordham University in New York. He was looking for an apartment and found a steal of a deal; however, he had to have the money, $2,500, in 24 hours. Since I have good credit, 728 rating but like everyone else short on cash, I told him that I would write a Citibank Visa check as they had for months been begging me to use it. Expiry of the checks was dated August 28, 2011.

Me and my husband are out of job. His unemployment is running out and we need to do drastic cuts in our budget, beside those we've already implemented like not going out, cut cable, etc. Today, I called Citibank asking them to cut my monthly payment on my credit card which is about $440/month. The customer representative, Christina, after hearing what I am about, asked me to hold and said she have to consult other department about it.

I had applied for a secured credit card where I was told that a deposit was required. I paid the teller $200.00 to have the money put in the card and she advised me that I was going to get the card in the mail within 14-30 days. All I got was a denial letter that came in the mail about 2 weeks later, stating that I was going to get my refund back shortly. I applied for the card back in April. Due to me counting with that money "shortly" I seen myself loaning money from someone whom is charging me interest for it. It is now September and I still have not received anything, and I have been calling the 800 number and all I get is the runaround. I don't think this is fair! I know it's not much but is sure indeed needed!

I had applied for a credit card few months ago. There had been an error in my credit report, which I did provide a copy of my credit report along with supporting documents and a letter to the CitiBank. Since then, I have received two letters from R.M. ** regarding sending a copy of my credit report. It seems that he/she does not have a clue how to take care of his/her job. The letters are exactly the same with no more explanation. I am extremely disappointed with the way that CitiBank is following my case. I would like to make a formal complaint to CitiBank, as well as a formal complaint agains R.M ** (of the credit operation department).

I'm a college student looking to get a credit card just to build my credit history, so I searched the Internet for recommendations. Most websites recommended Citi Dividend Platinum Select Visa Card; after deliberation, I went ahead and applied for it. I got approved, and the card arrived a week later. To my surprise, I got a MasterCard instead of a Visa, and it looked like it isn't a college student card. I called and wanted to talk to someone who can correct this, and I was told that they cannot convert my card to the visa one. I was just told that they are pretty much the same, but from reading around the Internet, no, it's not the same.

Citibank canceled my credit card for lack of use without warning me, without even notifying me it would be or had been done. This was done despite my having been in touch to change my address a mere 5 weeks ago. I had this card since 1988. And I need it now because I have moved back to the US.

On Thursday, 8/4, I received a phone call that I'd missed a credit card payment and the gentleman indicated he was calling because it was highly unusual on my account. Well, of course, I said, as ever since I've had your credit card, I've had automatic payments enabled! He told me that service was no longer available and that I should have received a letter.

I have been a Citibank credit card holder for 4 years. During this time, I have never had a late payment and the account has always been in good standing.

This is a complaint about repeated calls that I get from Citicorp or Citibank when I am passed due on my cards. I don’t mind being called, but it is continuous.

Right before the credit card laws went into effect, Citibank raised my interest rate to 29.99% even though we have never been late paying them. When I complained about it, I was told that they have to make money someway. They said a lot of people are defaulting on their credit card so they have to raise the interest rate on the ones that pay their bills.

I have been a victim of identity theft. After being a CitiCard Platinum cardholder since 1996 and in their top 8% world wide, my card's limit was reduced to a token amount when they realized I had been a victim of identity theft.

The Citi credit cards has a reward program called ThankYou Rewards where the points accumulates and expires over a period of time. However, they suddenly deleted 10,000 points for no apparent reason, and when I called or emailed, they said they expired at the beginning of the year. However, I checked my ThankYou network statements online every few months and the points don't expire until the last quarter of 2011. The customer representatives and even their managers or supervisors don't seem to have the authority to research or provide me a proof that they were indeed set to expire. And they didn't send any statements or letter regarding this between November 2010 and March 2011.

I have a JJill Credit Card account. I was placed on the hardship program and they were pulling my payment automatically from my bank account.

On Thursday, 8/4, I received a phone call from a Citi Card rep that told me I have missed a credit card payment. That gentleman indicated he was calling because it was highly unusual on my account. Well, of course. Ever since I've had their credit card, I've had automatic payments enabled!

I disputed an item that was never sent to me. They credited me, then the company sent out the item once they saw Citi go after them. I receive the item it's fake!!! I and I say I call them being honest to let them know I received item, they all the charge to go back & tell me I have to dispute again, so I do!!! I send proof that item was mailed, speak to numerous people all that don't have any remarks that I called prior. Finally I'm told it's to late I can't dispute the $3,000.00 charge!!!!! after I called them being honest and did all they asked!!!! so I stopped paying!!!

I want Citi New Card member Services to stop sending applications for credit cards at my home address. They send them in the name of Schneider and Spencer. I have no interest in getting these applications and I want it to stop. I would look them up on the internet if I wanted a credit card with Citi. This is harassment and it's also dangerous because of the neighborhood I live in. I'm not home to get the mail when it is delivered. I am also a person with a disability and I don't get the mail if it is raining or snowing.

I have maintained a relationship with Citibank since 1984, firts with a credit card and then another credit card in 1989. During late 2010, Citi closed down one of my accounts since it did not have any "activity" on it, even though I had paid it down to a zero blance the prior year and requested that it remain open. Now they tell me it cannot be reactivated.

I was a customer of Citi-Bank for 13 years without a late payment. I do all my bill paying online, and receive the bill on line as well. I never received the electronic bill in September. In October I realized that I hadn't received the bill and immediately made a payment. In January, they raised my rate to 25.99%! I called and spoken with multiple "customer service" reps and emailed off the website several times. They refused to budge off the increased rate. I even asked them to tell me how many times I had paid late in 13 years, they refused to respond. I cancelled my card and am currently happy with Chase.

I checked my credit card account online and my APR went from 13.99 to 29.99???? I am just outraged. I called CITI and they advised I was late in April? My payment was due on April 1st and the payment posted on April 2nd which was a Saturday. So the APR went up because of this to 29.99? I have this Citi card since 2007 and never missed a payment or was late with a payment. Also i did not know that if the payment was made a day after due date it is considered late. NORMAL credit card companies don't consider that late and also give a grace period.

On the 5th of July 2011, I used my Citi Bank Credit Card, with Card Number **, to recharge my mobile (mobile number **) for 200 Rupees; but when I saw the message that the recharge was not possible due to an invalid amount input, I again tried for 200 and finally for 100 Rupees, one after the other. But every time, the message appeared that the recharge was not possible due to an invalid amount input. I checked my mobile also. There was no confirmation message received related to any recharge. I checked my mobile balance, too. It was not recharged for any amount. But, I received 3 messages from Citi Bank regarding recharge confirmation for all the 3 input amounts of Rs 200+200+100 -- therefore, a total of 500. I am not able to understand the thing. Please help me out. Regards, Rajeev ** Mobile No - **

I have held a Citibank MasterCard account since 1978 and have always kept it current. Several months ago, I received a letter from Citibank informing me that they were going to raise my interest rate by approximately eight percent. Even though I normally paid my account in full every month, I contacted them and told them that this was outrageous and therefore I would "opt out".

I called first time to inquire about higher interest rate. I was transferred to Christy in FL who said promotional rate ended and the best she could do is 9% for 6 months. She was not willing to negotiate so I said never mind, I will transfer the balance then close the account. End of conversation. I never told her to close the account nor did she confirm with me I wanted to close the account. I looked online at my balance and there was a note stating “my account has been closed.” I called back, again went through 2 people, and spoke with Crystal in AZ, another account specialist. She said the notes indicated I wanted to close my account and she wasn't involved in the conversation, so she couldn't say what happened. She defended the previous account rep and never gave me the benefit of the doubt. She did mention they try to get customers to keep their account open, but I was never asked anything about that since my account was already open and I never told her close it. I asked what would need to be done to keep the account and I was again put on hold.

I applied for a Citi Card after receiving an invitation in the mail, which did not specify specifically what the APR would be on balance transfers. But I went online and saw on their site the exact same card I applied for which said 0% balance transfers for 12 months, so I applied. After I applied and did a balance transfer, it said my APR was 18.99%. After calling up and first getting a really rude woman, I called again and got a nice gentleman who was insistent that my balance transfer APR was 0% for 12 months, and I asked over and over if that was accurate. He said yes you can call back and ask anyone. Needless to say, I got the paper in the mail today that said my APR on balance transfer was 18.99%. That’s unacceptable. They falsely advertise a 0% on balance transfers and lie to you on the phone, and then when you call back, they claim they can't do anything for you.

On June17 of 2010, I called and talked to Aisha. I wanted to make my monthly payment and make my July payment also because I was having surgery and wanted all my bills paid in advance in case I needed a longer recovery. She told me that they had a 6-month interest free plan but I couldn't use my card until the 7th month. So, I agreed. At the 6 month mark, I called and talked to Jake, an acct specialist and asked him if everything was still okay and that my interest when I started using my card would still be 7.9%. He told me, yes.

I made a payment arrangement in June of 2010 for 12 months at 0.0% interest rate. An automatic $106.00 was to be taken from my bank account every month. In January of 2011 my purse got stolen I notified Citi Card just in case the thief attempted to used my card. Their system prematurely discontinued my payment arrangement without consenting or notifying me of this change and issued a new account number, which was not enrolled in the same arrangement we had agreed to. February of 2011, they didn't take the payment of $106.00 out. I called in to see why; the rep demanded that I pay $550 and told me it had been 12 months and the payment arrangement had been fulfilled. This was false information as well.

I used my Citi Bank Credit Card at an Indian oil petrol pump for the fuel of amount 500 Rs on 11.05.11, but in my statement, it is appearing as 513.79 Rs. What is the reason behind this?

On May 2, 2011, I was online attempting to purchase health supplements. Upon entering my credit card number, I was declined and tried several times before accessing my citibank.com online account. As I'm scrolling through my account information, I realized I am overdrafted an excess of $1300.

On May 2, 2011 I was online attempting to purchase health supplements. Upon entering my CC# I was declined and tried several times before accessing my citibank.com online acct. As I'm scrolling through my acct info, I realize I am over drafted an excess of $1300. Well I immediately contact Citibank to make them aware of the error and they tell me that there is no error and AVIS rent a car whom I did business with in previous months has debited my account additionally. I explained to Citibank that AVIS has received their money and I had the receipt as proof. I then took proper steps to dispute the charge but Citibank insisted that Avis had a separate authorization without my signature to debit the acct and while they will investigate I am denied credit because it is such a large amount. Now I have been given the runaround on updates with the investigation and my information has even been confused with someone else. I have read Citibank's policy in giving provisional credit and it states "while your dispute is under investigation Citibank will give a provisional credit up to $15000".

I've had a Citibank credit card for 22 years. I've always paid it on time, never over the limit. I was a good customer. Last year, they informed me they were raising my rate to 29.99% but they would credit back 50% of the interest if I made my payment on time. I had a choice to opt out, close my card, and just pay it off at my current rate of 12%. I chose not to opt out at that time because this is my longest standing credit card by far and the 'length of credit history' aspect of my FICO score would be impacted so I went with the option to pay the 29.99% but only because I would get about half of that interest credited back each month as long as I made my payments on time.

I applied for a secure card and deposited $1800, my application was declined, and I cannot get my money back. Every time I hear different stories from supervisors .

In 2008, I was unemployed so I contacted Sears about a payment plan. They agreed to $49 a month for 5 years. In March 2011, I was contacted by Sears for having a late payment. I asked them how that could be as they have my payments scheduled and automatically drafted from my checking account and that I had seen it withdrawn from my account in February. She said that it was a problem on Citi's end due to the short month and payments not being applied until after the cut-off date and that my program would continue. On my April statement, I saw that they had posted the February and March payment but had also charged me a late fee. I contacted them about it and at first was told it was my fault because I was late so my program was cancelled, etc., even though they were the ones in error.

In 12/2009, i had a Citi Paltinum Amex card that was up for an annual fee. I decided I did not want to keep this card as I had 5 other cards with Citi with no annual fee so i closed that card. Thirty one days later, 34,040 points were removed by Citi from my Thank You account which is where points are transferred to each month and combined with other cards points. When I called the Thank You network, they transferred me to a rep at Citi who told me that the policy had changed and they now remove points when an account is closed. I told the rep I was never notified of this change, she then told me she would look into it and reverse the points in approx 7 days. She also supplied me with her "direct" number. When I didn't hear back after 7 days I called that number and got a voicemail of someone else at Citi. I left my name and why i called but got no call back despite numerous messages.

I made a payment arrangement with Citibank for $67.00 a month as I am currently unemployed. They have been taking $67.00 out of my bank account for the past 4 or 5 months. I recently found out that Citibank had closed the account. They claimed to have sent me a letter. I asked for a copy of this letter. Citibank has refused to send me a copy citing that the system was used and only generates the letter one time. Catherine, the escalation manager, proceeded to "educate" me about the letter saying that it was sent to the address on file and if I didn't receive the letter, I needed to talk to my postman. Why does Citibank, a financial institution, utilize a system that only allows correspondence to be generated only once?

I just received 2 new Citicards in the mail, one was for my current card which did not renew for another 6 months and the other was an American Express Citicard which I never asked for or wanted. I called and got transferred to a few people to get the card canceled which they said they were going to do. But of course, when you get a new credit card it goes on your credit report and by canceling a credit card, it is a ding against your credit.

CitiCards have taken a $15,000 debt and ballooned it to $30,000 with a 29% interest rate plus late fees. Now, as long as I can remember, I have always set up my credit cards with 1% of what I spend during the month (say, for instance, $300) and I would make an automatic withdrawal to cover the minimum payment and then pay the card off online later.

I have had my accounts with Citi for over 11 years and have never made a late payment. I do recall twice that I did not receive a bill from them and called to find out why, their response was, "We don't know what happened, and can't take payments, but we'll send a bill out right away". This of course would make me late. Then they closed one of my accounts and claimed there was no record of the account and did not know where I got that info. Then they lowered my two account limits without my permission or even telling me.

I tried to register a prepaid Citi MasterCard that I received as a rebate for Procter & Gamble products. All was in English until I came to the part where I had to agree to the terms which was all in Spanish. They were not able to help me and I am not ** enough to agree to something in a language that I don't understand. I will try to use the card without registering it on their website. It is only $10. When I called, I found out that they had deducted $3 from my balance for account inactivity. Nowhere in the paperwork that came with the card was there any mention of such charges. I complained and as a result, they credited the $3 back to my account as a "one-time favor". I intend to complain to Procter & Gamble as well.

I’ve been a Citi Card holder for 17 years. It started as an $800 secure card with great history. Seventeen years later, it’s $49,500 credit limit. I was recently working out of town when my card had been canceled without notice. I was working in Fort Lauderdale and I live in Lake City. I rented a car to come back home till the next job was ready. I only rented the car for a week and as it turned out I was at home for 4 weeks. I called the rental to renew the contract for another week and put it on my Citi Card as I have done previously. The woman called me back within 5 minutes of hanging up and told me my card was declined.

I called customer service for Citi (866-775-0556) requesting dividends of $58.21 to be sent. I was told only $50.00 would be sent. They had changed the way they send out dividend checks and claimed they sent a notice. And I saved every notice from Citi cards and never got one telling of the change. So I got the check for $50.00 not the $58.21 they owe me. I was told the $8.00 will go toward the next dividends to accumulate. Citi cards sent a new charge card with instructions to activate it by calling the number on it.

I am interested in finding out if there is a basis for a class action suit here. One attorney has already told me there's a basis for a personal case under two causes of action. I had two of these events. One was the credit drop to within a few dollars of your current balance. I then received an offer for a personal loan from Citi three business days later—suspicious? Who would I report that to? It seems obvious that they're running a scam to take advantage of consumers—put them in a tight position and then offer them a way out. The other was that Citi apparently charges you for the previous billing cycle's interest.

I signed up for an American Airlines (Citi) credit card a year ago. It was a promo that they emailed me. I got an acceptance letter and started using the card. About six months into the program, I noticed that I was not getting any miles to my AA account, and that the card issued was actually just a regular Citicard with the lame extra cash ripoff program. When I complained to Citi, they did not offer any form of compensation. I figure that I lost about 40-50,000 airline points (or roughly $500 value) because of this. I now have about 2,600 extra cash ripoff dollars which are useless. I still even have the AA program welcome packet from them. But Citi doesn't care. I have cancelled all the bank accounts they made me open to qualify for the deal, and will not renew the card next month. The only reason I'm even keeping the card open is just in case there is some use to those ripoff-dollars reward. I am not using the card for any of my main purchases. Thanks for your advice.

This is the worst automated phone service. When getting through to service person, she asked me to verify what state Atlanta was in. I can't believe the hoops you have to jump through just to make a ph Payment. Why wouldn't you make it easy to make a payment? I had my statement in front of me verifying the accurate info. And the automated system wanted a security code entered. It was the correct account.

I have an older credit card, "Diamond Preferred Rewards" card. It is a very poor value card for gifts. Some time back I called Citicard to cancel this card and apply for their much better "Cash Returns" card and cancel the old card. They advised against canceling the older card because it would affect my credit report? So I kept it, thinking I would have the same credit limit of $15,000 on the new card. I have since found this is not true.

On 11/09/2010, I happened to check my online Home Depot(Citicards/Citibank) credit card statement online to see when my due date was, and as I took a closer look, I noticed that my $6000 credit limit was reduced to $1900. My balance was/is $1871.00. I called to check why this had happened and Citicard's explanation was that something on my credit report had changed (lie/untrue). I checked my credit report and nothing had changed, as far as anything negative that could have cause them to drop my limit.

I have a Citi card for the last 12 years. I have had a clean history always paid in full. I missed a payment last month (due date Sept 28th) because I was on vacation. Within six days of being late, they froze my account. I called them on Oct. 6th and told the customer service representative that I had made the payment. She said the moment they received the payment, the card will be activated and will not affect my credit history of any kind but they will charge me the finance charge and interest (which I contested but they did not budge. I guess that's how they make money these days). My payment was posted on Oct. 9th and card activated.

This credit card company has the worst customer service I have ever encountered in my entire life. I have a rather large account with them and they made a mistake when processing my payment. When I called to speak with them about it, somehow it got turned around that I had done something wrong with the prior person I had spoken to and they didn't type in my account number wrong. I told them wrong? Instead of them taking responsibility for mistyping, as I could provide proof I had funds in my account. They would do nothing to help me and I encountered fees because of their mistake. They didn't even try to work with me. Instead, they mocked me and were extremely rude. I couldn't believe it. I have had a credit card with this company for more than 10 years with never one late payment or ever going over the balance until they **** up.

Citicards sent me a 0% promotional offer. The checks could be used any way that I chose. The 0% offer would be honored if the check posted to my account by 11/25/10. At the end of October, I used one of the checks to pay a debt of $1610.

They have been calling my home phone which is used as a fax only over the past two weeks starting at 7:30 in the morning and lasting until 9:00 at night including weekends. I have called to tell them that I use this number only as a fax and to stop calling it (my fax prints at least 10 pages per day with their phone number; they continue to call). I have had several cards with Citi over the years. Some were opened with my businesses information fraudulently by my ex-husband. I have mailed them police reports and affidavits; however, they continue to harass me. But they do not report these accounts to my personal credit report but to my business credit report. This is causing me many problems in obtaining accounts for my business with these fraudulent accounts appearing on my D&B report and Experian Business Report.

They've been calling my home phone which is used as a fax only over the past 2 weeks, starting at 7:30 in the morning and lasting till 9:00 at night including weekends. I've called to tell them I use this number only as a fax and to stop calling it (my fax prints at least 10 pages per day with their phone number). They continue to call. I've had several cards with Citi over the years. Some were opened with me and my businesses information fraudulently by my ex-husband. I've mailed them police reports and affidavits. However, they continue to harass me. They do not report these accounts to my personal credit report but my business credit report.

For the last four days we have been receiving a few phone calls each day from Citicorp, and when I answer, there is never anyone there. We used to have a Citibank credit card but cancelled it after they continually raised our interest rate. The credit card has been fully paid off, and I am wondering if these phone calls are some sort of retaliation.

I had trouble paying my $170/month payment, so I found a debt consolidation service that helped me out and said they'd work with CitiCard on the monthly payments. After many months of the debt consolidation program working with CitiCard, CitiCard finally refused to be included in the program. I am still making payments to CitiCard, although it's not my $170 minimum. CitiCard is now hassling my family. They have called my mom and now they're calling my in-laws. I have no idea how they got their numbers. Isn't it against a law to hassle family members for a payment especially when you have never provided those phone numbers to them?

I changed jobs and got myself in a very abusive environment. I had to leave that job and take something for less money. I asked Citi cards to help by lowering my payment. They could not until I was behind. So, I got behind and then they put me on a payment plan for 1 year. During that time, I paid off some bills and got a better job. When I went off the plan, I started making larger payments, $1080 hit on the same statement. It was that statement that they raised my interest to 29.99 %. I have refused to pay because they are not going to rob me.

A phone payment was made to our Shell card of $506.21 on Aug. 24. Upon calling our bank to verify our checking account balance on Sept. 1, we found out that the $506.21 was collected from us four times! Therefore, Citibank, who takes care of Shell accounts, had over $1500 of our money. We called on Sept. 1 to try and get this straightened out. They said the money would be electronically put back in our account within 72 hours. We have called repeatedly since that time and was given a runaround each time about the amount of time it will take to get the money back.

I have had a credit card with Citicard since 2002 which I rarely used; however, I always paid more than the minimum payment and I paid off the balance frequently. I had a credit limit with Citi of $8,400 and I owed a minimum payment of $20 on September 6 on a balance of $556. During the course of travel and the holiday, I had not a payment on this account and I received an email notifying me that my credit limit had been decreased on September the 14 to $570, which is $13 over the balance I owed.

I had a credit card account with them that was closed without any warning, because a check was returned from the bank; I paid the fees and then my account was closed. When I called them, I was told that I had several cancelled checks so I asked for the date when I cancelled the checks. I was told that they don't have the dates, even a manager couldn't give me a date. They are lying to me.

In 2008, I was going through a nasty divorce whereby my (now ex-husband) opened several credit cards (because of my then good credit) and maxed them out. Hence, I closed the credit card accounts. The divorce papers now state who is liable for what debt, etc. This means nothing to credit card companies. Anyway, I paid for all debts I was responsible for while he did not, yet I still got collection calls. I had one Citicard that I set up automatic monthly payments for at a low interest rate. Yay (not).

I received a late payment charge in January 2010 in error. I called to dispute the charge, and they agreed to reverse the charge. What they didn't reverse (or notify me of during that call) was the 29.99% rate they increased me to as a penalty, up from my previous interest rate of 7%. I didn't even notice they did this until my August 2010 statement. When I called to inquire about my outrageous interest rate a couple of days ago, they explained that they reversed the late fee but not the penalty. When I got angry and told them I would never use their card again, they agreed to return my interest rate back to 7% going forward. I paid hundreds of dollars in finance charges before I noticed what they had done; approximately $150 per month for 8 months, over $1000 total.

My balance on this credit card was originally $14,000. I paid $10,000 and my balance was $4,000 as of April or May. To my surprise, I received a $7,000 statement the next month. When I called, they explained that I had been late three times. Why are they charging me interest even on the amount of $10,000 I had prepaid?

I am lodging a complaint against CITI for the practice of charging interest on credit cards for two billing periods if you do not pay in full for one billing period. "If you do not pay the New Balance in full by the due date, you will not get a grace period on purchases until you pay the New Balance in full for two billing periods in a row. "

After five years of impeccable payment history with my Citibank credit card, I was shocked to find that my 9.99% interest rate had gone up to 29.99%. When I called customer service to ask why, the reason I was given was that the interest rate hike was a "cost of doing business.” I responded by pleading my case (loyal customer, on-time payments, etc) and asking for them to lower my interest rate. I even offered to accept a higher rate than my original 9.99% just not 29.99%. Apparently, I was not deserving of a lower interest rate.

I signed up with Citibank Credit Business Card with Thank You Rewards since 2005. I have received a letter that my account will be closed on July 30, 2010 and I can still redeem my Thank You rewards 30 days after the account is closed. I had over 10,000 points with Thank You network. Today, August 23, I logged in and I see 0 balance on my rewards. I called Thank You network, they said it's Citibank that I have to contact. I spoke to Citibank's representative Rupal and she said I do have 30 days to claim my rewards and she can't do anything to revive my credits. Then I was transferred to her supervisor, Linda. Linda told me that usually it's 30 days after closure but in my case, it's different and there is nothing she can do about it. I don't think that this is fair at all. They didn't keep their words and I am out of over 10,000 credits that I can claim over gift cards, etcetera. Please help. Thank you.

We had a Citibank Card and they didn't tell us that we have to sign up for Thank You Points first. So after years of accumulating points, we really didn't have any since we didn't officially sign up for the Thank You Network. Then after I signed up and accumulated 31,807 points, we closed the account. The rule that we were aware of was that we could claim the points within 30 days of closing the account. When I called within the 30 days to use the points, they told me no.

Citi cards said they would put the interest rate down to 13% and that it would rel on the next billing cycle. I kept watching it never happened. I called back and they said that they were unable to do that even though my account was current. They refused to budge on even though I told them I would pay more that the minimum balance due every month if they dropped the interest rate. I told them wouldn't it be better to get something instead of nothing? She said, "Sorry we cannot do this and is there anything else I can help you with today?

I received a letter from them on Saturday, July 17. It stated that based on my credit report, there are "too many recent credit inquires" that my account will be closed on August 31, 2010. But if I act now, I can choose to agree to option 1, not to use the card for 6 months and continue to make payments on time with a decrease after the 6-month review. And it would be based on the payments received during the 6 months. I had never been late in the 2 years of receiving the card. The credit limit is just $2,100.

I made my first payment on my Sears/ Citi MasterCard on Friday 8/13/10 in my local Sears store at the register. I have a receipt to verify this payment of $55. I went online on Saturday, 8/14/10, and looked at my Sears card statement finding that they had already posted a late fee of $39 to my account. I sent them an email about my payment and then I called customer service on the phone. The CS representative over the phone said that she saw my payment in her computer, but it was not posted when I went to my account online and pulled up my statement. The late fee was posted to my account and balance before the payment was even late. I believe that this is an unfair tactic for them to try to charge me interest and the late fee on a major purchase for which I am under a no-interest plan. Can you help me?

On July 10, I notice that I had two problems with Citi Card. The first problem that I have with them is my account is closed. So, I called a Citi card representative and he pulls up my account and told me that the account is closed. I told him that I didn't call to close my account. He said that it was a glitch in the system and that they will fix the problem. He also said that I was not the only people who called with the same situation. He insures me that my account will be fixed. The second problem is that I didn't get a new credit card from Citi Card. He told me that they mailed it out two weeks before my last card expire. He said that he will cancel the old card number and give me a new account number since I never receive the card and that had we left the conservations.

As mentioned by all above complaints I have had the same experiences. CitiCard raised my interest rate to 29.99%, after I had run up my balance, after having moved, and no matter how many times I called, or have written them, it has been the worst experience of my life, being ** over! I got lame comments from customer service like, "didn't you get a notice in the mail, that we were going to raise your interest rate? " Really, like I had any control over that. CitiCard should be humiliated over this kind of sleazy business behavior, specially with the economy, as it is!

My daughter is on Medicaid. She signed her settlement check over to me so I could deposit in my checking account. I also put $3,000 on my Citi credit card so she could start therapy. When I made the payment, I asked the agent under what circumstances Citi would lower my credit line. She said only if I was late or habitually made minimum payments, within hours they reduced my credit line by over $3,000. When called they were very rude and I closed the account. Then I realized this was not the best thing to do but when I called back they would not open it.

Like many Americans, due to the banks cutting of credit risk, I am having my credit card accounts closed. I had a CitiBusiness credit card, and received a letter stating my account with them would be closed. The letter stated one of the reasons for the termination of the card was "serious delinquent"; I combed through my credit report, and as I had known, I had not had a delinquent account or late payment for over 10 years.

I receive 3-4 phone calls a day to discuss a CitiCard they say I have. This is 3-4 times a day for the past month. I cannot call them back because I can't supply them with a card number. That's the only way to talk to someone.

I have two Citi credit cards, one ending in ** and one ending in **. They did a bait and switch on me. I took a $4000.00 balance offer for 0% on the second account which had a "0" balance. But they applied the $4000.00 cash advance to my other card which had a $6000 balance. So now, the minimum payment goes toward the portion of the bill which has 0%.

I am having Citi Diamond preferred card for about five years and APR under 17% per annum. I never made any late payment. I never used/utilized the full limit or over. I always paid more than the minimum payment. For more than two years, I never charged the said card for any new purchases or otherwise. But for about a year, they raised the interest at 29.9% without any reason. My hours at job are curtailed. I am getting in two weeks only at 10 to 15 hours. My husband also lost his job. Our only and prime residence is under foreclosure. We are facing financial hard ship. What I am paying that is mostly going towards interest and principal remained almost as is.

I have a credit card that the interest rate is 30%. Actually, all my credit cards are that high now. They were all raised before the new laws went into effect. Anyway, this one I am talking about, I was told that after a year of on time payments, they would review at my request for a lower rate. So I emailed in my request and was told that I had the lowest available and to check back in another six months. Mind you, I have not used my cards in over a year because I am trying to get out of this black hole I am in. Tell me, how can 30% be the lowest available?

They raised my credit card interest rate to 29.9% with out any reason. I called and they said they sent me a letter in Dec 2009 saying I need to opt out or they will change my rate. I never received any letter. They said they will not change the rate because I accepted the terms. I have never been late or missed a payment. They suggested I call back when I am late and they may be able to do something. The call was recorded, I asked. Costing my hundreds of dollars a month in extra interest. Causing stress and lack of sleep and inability to pay for essentials.

Please start collecting data on how they determined who will be charged this new fee.

I will share with you the letter that I sent to CitiCard/Citi Group, which states the details:

I had a credit card balance with Citibank that has been impossible to pay off due to only being able to make the minimum balance from $100 to $150 dollars and now unemployed due to the budget cuts. I faithfully paid the minimum payments for over 20 years. Only approximately $200 has been applied to the principal. Over the years, based on the payment amount of $100 to $150, I have paid well over the principle. Due to the budget cuts, I cannot afford to pay anything.

CitiCcards has been sending me a bill for a card I have never used and in fact returned to them. Just yesterday, I got another bill for almost $96 for nothing. I keep going through thiS with them. They have threatened me with some letters about my credit when they are making the problem. My next step will put them in real hot water.

I received a "pre-approved" solicitation for a Citi Diamond Preferred Rewards card. When I called to apply and consented to Citi getting a credit bureau, I was told that someone would contact me. I received a letter stating that I was not approved; one of the reasons was "too many inquires". I called and spoke to a supervisor, explaining that the inquiries were related to purchasing a car and refinancing a mortgage and I already had a Citi card that was never late and a low balance.

I had a Children's Place credit card. After Citibank made a mistake on my credit report, they canceled my Children's Place card. I explained that it was due to their mistake, but they didn't care. Now I am paying off the Children's Place charge and ran into financial problems. I signed up for a payment plan where I paid $48 and they matched the payment. I was told online that this is what's required.

I received a letter inviting me to open a credit account with them . An invitation code was send . Then I has gone to the link above and applied for a citicard. Later on the next day, I received an email saying that my application was declined. The reason they stated me was insufficient credit history. I called back to costumer care and they told me that the invitation was send by a third party marketing people. I felt it to be an insult and was depressed mentally because of their action. I questioned them that why should they send me an invitation letter with a code to apply if I am not eligible for that. I lost a a bit of my credit history. I would never applied for the card if they has not send the me invitation.

I have documents that state if I say yes to their credit card prior to 12/18/95, my Annual Percentage Rate would match the Prime Rate for life. Initially, my interest rate was 8.8%, based on the Prime Rate of 8.8% plus 0%.

I purchased items on promotion using my Home Depot credit card with 6 month/12 month "no payment no interest for the promotional period". My card states "Home Depot". I was not advised that I was actually charging with Citi Card. Before promotion time was over, Citi changed my promotion to $10 minimum payments. What! I had a contract which was an inducement to buy from Home Depot. I never agreed to pay $10 per monthly minimum payment, so the deal was simply changed without notice. It's not that I don't have $10 per month to pay them, I just don't want the hassle of making monthly minimum payments of $10, so I overpaid what was due by several hundred dollars for several months. Nevertheless, when I missed the $10 payment, I received many, many penalties of $35 per month plus high interest on this account.

I have had many issues with Citibank in regards to their unethical practices, fraudulent activities and their disregard for customer service. My account is closed with Citibank and has been since March or April 2010. I received a call from Michelle in collections and she stated that I had an outstanding balance of $617.23. I explained that I did not and that balance was cleared and that my account was closed. After several hours of being passed around from person to person, it appears that Citibank had issued a wire and a check for a credit on my card. I received the wire but not the check. The company was holding me accountable for the outstanding check which I never received and thus were attempting to charge me for a late fee and interest rate.

I used the CitiCard balance transfer check to put down a down payment on my new car in the amount of $3,100. I physically signed the check and handed the check to the dealer. When I checked my statement, CitiCard charged me twice under the same check number! Now I have two transactions in the amount of $3,100 which totals $6,200. I requested CitiCards to refund the second $3,100. The dealer said they deposited the check once and only received $3,100. CitiCards is "investigating this matter" and have not gotten back to me yet!

I sent back a card I have not used to Citi Card, a few months ago, to their main branch in South Dakota. I thought everything was fine, 0 balance, now these idiots have sent me threatening letters and harassing phone calls to pay them for something I do not have. I just got a bill for $80 from Columbus, Ohio for something I do not have. These people do not listen. Help! Get them off my back!

I recently received my statement for my CitiCard and discovered that the interest rate had increased to 29.99%. I called CitiCard and told them that I wasn't aware of this change because I pay via the internet. Customer service informed me that they had increased my rate back in September 2009 when I failed to opt-out of a rate increase! I asked for them to change the rate now and they said that they were unable to do so because too much time had gone by and my rate had increased prior to the opt-out! Through no fault of my own even though I have paid on my account each month since 2006. I have no recourse per CitiCard to request the interest rate reduction.

I have been using the Diamond Preferred Rewards Card for 2 years. I am pretty happy with it, I get free stuff or gift cards from time to time with the Thank You Points. And I have always paid the bills on time. Then recently, I noticed my most current statement has an $11.41 interest charge on it. I thought it was an online fraud and tried to dispute it from my online account, but could not do it. So I kept forgetting about calling their customer service until today I saw my bill in the mail that shows the interest charge originated from Citicards based on my standard purchases.

They changed my due date! I pay on time, every time, and they changed my due date. I thought they couldn't do that any more. They've not been very helpful. Late fees, and who knows in the short term if there will be any damaging impact.

I have been a customer with CitiCards since 1985. Over the past year, I move to another apartment in my complex, and notified CitiCards of the new apartment number. I received statements under my new apartment number, then stopped getting them, so I was late paying one month. I found out that they started mailing my statements to my old apartment number, which was why I was late paying my statement. After pleading with the senior accountant why my credit card was disengaged and explaining that the statements were being sent to the wrong apartment number and saying I have been with them since 1985, all she could say was "Sorry, but since you were late we cancelled your credit card." Pleading about the situation and telling them it was there mistake, she got very rude with me, more or less calling me a slacker for not paying my bill on time, thus they cancelled my account! I will never use CitiCards again, but I'm afraid two of my Gasoline credit cards are through them!

I had a credit card for years and always kept a 0 balance. I received a statement in the mail stating that I owed a $60 membership fee. I had card for well over 10 years and never had to pay fee. Statement advised if I was late on my payment I would be charged with $39 late fee. My guess would be that there are a lot of people that do not watch this closely and are bombarded with constant late fees assuming that their balance was paid off. This is why these companies are getting a bad rap in public opinion. Hopefully, there are many people out there who call like I did and cancel their Citi Cards to put this company out of business. Wait, that cannot be done because the government will step in and keep them afloat. What business plan is successful that alienates their paying customers?

Five years back, I had a Citibank credit card issued on October 2005 with credit limit of Rs.14000/- which was linked with a Citibank salary account. I made so many transactions and paid outstanding so many times to Citibank. In 2006, my grandmother was very ill so I went back my hometown with bag and baggage. Unfortunately, at that point of time, I was not able to pay remaining outstanding of approx Rs.11,000/-. I came back to Delhi after two years in May, 2007 and got job in June 2007 and opened another new salary account in Citibank because previous account had been closed. Now, Citibank debited Rs.10,607.65 from my Citibank salary account on 31-May-2010 without any prior notice/information.

My credit score is 768 and I have two late payments (though not on this card) in 99 months on my credit report. I have had this Citibank credit card for 16 years and had a total of three months inactivity. They recently closed my account for some unknown reason. The only possibility seems to be my home equity loan lent/owed ratio. I have no mortgage.

I applied for a Citibank Diamond Preferred credit card that offered $100 statement credit after $300 in purchases were made. I received a denial that claimed Equifax showed a bankruptcy. I got a copy of my credit report, and nothing about bankruptcy was on it. I faxed the entire credit report to Citibank, as instructed. I called 5 days later. Citibank has denied me credit because they were part of my 1993 bankruptcy filing.

I was called by Citibank fraud division that my account has been compromised and I need a new account and card. The old account will be closed. I agreed. I noticed a $15 charge was later put on for sending me the new card. I had no idea I had to pay for a new card at their request.

I'm not sure where to start but my biggest problem is I only owe Home Depot, Citibank around $2600. And, the problem is over the last 18 to 24 months. I have paid Citibank around 2000 or more dollars in payments on an account that has 3,000 dollar limit balance and I only owed them that much or less over the last 18 months. I was at around $3,000 and now I am at around $2,650. I have not made any large purchases or any purchases over the last 18 months. I cannot pay this account down and my other accounts have higher balances because I have to give so much to them at one time. My minimum payment due was around $500 for that month even though I was not even 30 days late. It's just plain unethical, probably illegal.

My interest rate was increased to 29.99% in November 2009 due to a single late payment. I contacted the customer service at that time. They told me that the 29.99% is the penalty rate and the interest rate will go back down after 6 months of on time payments. I contacted the customer service rep in the attempt to adjust my interest back to where it used to be; however, they told me that 29.99% is now my "set" interest rate regardless of my good payment history. After trying to understand the limited vocabulary and thick accents of foreign based customer service reps, I spoke to their supervisor based in US to discuss the matter.

I paid all my credit cards bills from time to time. But in my 26/03/10 to 25/04/10 bill, Citi Bank card charged us a late payment charge of Rs. 1029.29/-. We want the reason of the above charges. If you can refund charges, then OK, otherwise, I will surrender my Credit Card.

Both of my Citicards visa and mastercard were closed. My mastercard was closed because another bank had bought the card. My Visa card was canceled. When I called Citicard customer service to ask why it was canceled, they told me my Visa was canceled because Equifax gave them a new report that had delinquent credit information. So I freaked out and called Equifax and they said I have an excellent credit score with no negative credit information.

I called my credit card which is Citibank who charge me 28.99% every month if they could lower my rate to help me pay it down. I do not use the card at all. I did notice that the 28.99% rate they charge me is a rate they charge customers that were late on a payment. So I asked them when I was late, they cannot tell me if and when I was late if ever because the system do not go past 6 months which I was not late in the last 6 months. My question is do they have to tell me when they increased my rate and why my rate is so high? If they cannot produce evidence about me being late if ever, which I know I wasn't, don't they have to work with me and lower my rate back to where it is supposed to be?

Just as so many others have stated, they have increased my interest rate for no reason or as their representative told me "it's the cost of doing business in this society". I opened my Citibank card almost 15 years ago. My first "real" credit card with a $300 limit. Now all these loyal years later of never having a late payment and keeping the card active for all those years, my credit limit is over $20,000. I was sitting there with a 16% interest rate. I, like many people right now, fell on hard times this past year and began to live on my credit cards. I never failed to make at least the minimum payment (usually around $150), if not more, but I did put a lot on there.

I have very little credit but what I do have is good. I wasn't surprised when I applied for a Citi Forward card for College Students to be accepted with a credit limit of $2,500. I activated the card and used it to pay a bill and then paid it off a few days later. Next, I get a call from fraud early warning saying that my address on the Social Security number doesn't match my card address (it's from the last time my family listed me as a dependent on their taxes). Usually such things don't matter. So I had to get a letter of enrollment verification with my current address, had to fax utility bills, had to change my social security address on file at the office, also had to fax copies of all my photo IDs, insurance card, pay stubs. Citi lost most of these and said they never received them. So I faxed them again. They refused to check the social security address because they had "already done it". Citi Bank/Citi Cards has the worst customer service. No one knew who the supervisor on the floor was, no one knew company protocols and I swear they made up new rules every time I called.

I would like to share my experience to anyone using Citibank credit card. Since I started using the credit card, I have not received a single statement. Every month whenever I call on the phone to ask my amount due, I get a wrong information. They don't tell us the actual amount. They always told us a lesser amount. We paid whatever was told every month.

I received notice in October that the interest rate on my CitiCard would go up to 22.xx% unless I responded by such-and-such date in November to opt out and close the account. I called, they have my call documented, only they have that I accepted the terms when I was very clear, keep the interest rate and close the account. I received a new card in the mail yesterday. I called to ask why. This is when I found out the customer service representative marked me as accepting the terms. The time frame to opt out has passed, and guess what, I am now stuck with a 22.xx% interest rate! They say I have no recourse. They got me so good and I am so angry.

Citi cut my credit line down to what I owed. I called and complained and they told me that I had 60 days to get my balance down below the right ratio has not to affect my credit score. I told them that they have a lot of nerve treating me like an irresponsible kid. I will pay off my balance and put their card in my safe. It’s lowering my credit score.

In 2008, I received a letter from Citicards stating that the terms of my card were changing. The interest rate was to be increased to 19.99%, or my account would be closed if I didn't accept the new terms. Of course, not realizing the impact that the account closing would have on my credit score (my Citicard was my oldest credit card), I declined the new interest rate and closed my account. In December 2009, I realized my interest rate,on my closed account, had been increased from 9.24% to 13.99%. I contacted customer service and was told that there were no notes attached to my account to explain the increase, so my account would be changed back to the 9.24% rate, and any interest overages would be credited to my account.

My credit card payment was due on the 13th of Apr 2010. Due to problems with accessing the internet while I was traveling, I made full payment on the outstanding amount on the morning of the 14th Apr 2010. Citibank has chosen to levy me a late payment charge even though I have made an appeal to consider that I was only a few hours late with the payment and that it was beyond my control as I could not access the internet to execute payment.

i have Sears account with them. They made payment arrangements with me for the 25th of every month till paid off but continue twice to take it out of my account earlier than the 25th. And I've gotten 2 charges on checking. I get aid on the 10th and 35th. Why take it out on me earlier? This is very wrong. That is $70. I have been put into the hole because of this. I have called repeatedly and am sick of doing so. This isn't fair, and I'm ready to just pay cash instead.

On February 17, 2010 I got a call from Citi Bank rep Susie. She explained the reason for her call was that I was 20 days late and that I would need to make a payment. I explained to her that my unemployment check would not be here until February 20th at which time I could pay my January payment. Well, she went on to tell me that since I have been out of work so long that they could set me up on a payment plan where I would pay $93.00 for the next 12 months and it would close the account.

Yesterday I was honored and surprised to receive correspondence from Citi group. It stated that due to new regulations, they had revamped and remodeled their credit card holder policy, and that based on that and my credit report, they would be cancelling my card as of 5/15/10.

In the month of March, 2010, I received a telephone call from a representative of Citi, concerning my account. I was told that my account was $3,880. I asked how much it would be, if I settled the account. I was told $2,600. I was told by the representative that it would not be beneficial for me to do a settlement, because I would receive $1,099 of the remaining balance as income. She then offered me an arrangement called the "Match Program. " I was told if I paid $100 today, I would receive a match payment of $100, and each month thereafter, for six months, I can receive this service. I agreed.

I have had this Citibank credit card for over 10 years and have never made a single late payment. I received a letter in the mail today that stated my account is being terminated next month because of things that have nothing to do with my credit history with them. Their criteria for closing this account was unreasonable.