Citi Credit Cards Reviews

My recent experience with CitiCard has led me to write this review. CitiCard has left me with a bad taste in my mouth and may not use them for future travel if I don’t cancel the card before then. Thought the credit card company would look after me given the issue was based on wrong information provided by their staff. I called to confirm baggage check in allowance when flying to Aruba. I was told by Citi account team that “baggage for the cardholder and their companions up to 4 checked baggage would be free”. However this was false. At the AA counter, I had to pay for each bags checked. I thought I could get this cleared up and that CitiCard would reimburse me… They failed! They would not reimburse me.

I have several credit cards that I use. I have a high credit score and pay my credit bills 100% each month. I do not carry any debt. I have had a CitiCard for several years. I had not been using the card regularly as I was using Credit Cards with a cash back option. I decided to get out the card and use it for an upcoming trip. I tried to log into my online account and I was not able to log into my account. I called the customer call center and was told my CitiCard had been closed. I never received notice and the dates on the card was still active. If I had taken the card to use on my trip only to find out en route that the card had been cancelled I would have been pretty upset.

I used to think having a photo on my credit card was the best thing to avoid fraud. How I was mistaken. I had automatic billing but didn't check the statement until a few days later. I noticed 6 unauthorized charges to Starbucks that had been paid. Then I noticed this month another 8 more charges to Starbucks for gift cards. Why their fraud team wasn't alerted baffles me. I tried calling right away but had to hold 30 minutes to get a person. I had them cancel my card and I cancel my auto payments. I got disconnected and had to call again - waiting 20 minutes to try to get someone to complete this conversation. While holding, I sent an email to their secure messaging - figuring that would be faster.

I have never experienced fraud on my credit card account with AMEX for more than fifteen years. Within weeks of receiving my Costco Citi Visa, I have had two fraud charges on my account and weeks after my Amex card had been cancelled, there was one attempt on that card too. Is anyone else experiencing this problem? Does Citi have a problem?

I have been a long time member of Costco. For years I have used their Costco American Express Card. Recently, I was forced to switch to a Citi Visa Card through Costco. One of the perks, I thought, was the fact all their printed paperwork and information online stated as a new Citi card holder I would have .0% APR for seven months. After receiving a $65.00 interest payment I spoke to Citi who advised it did not pertain to members who previously held American Express Cards. I paid the interest and closed the card due to misleading information from Citi. Only took one month for me to see what Citi is made of. Both Citi and Costco have lost a customer.

I received an e-mail informing me that my payment (which was substantial) was late on 8/12/16. I called immediately to find out what was going on and was told I had not made a payment. I use my bank's bill pay feature and looked up the cancelled check immediately and printed out a copy. I gave Citibank all the reference numbers on the transaction and the cancelled check number. I talked to 8 different CITI customer service representatives over the last 3 days and was told, "a temporary credit will be issued while we look into this issue and someone will call you back within 24 hours." 24 hours passed nothing. Checked my account for credit was issued and still showed late.

2 weeks ago (August 3, 2016 12:20pm) I deposited money into an ATM located IN A CITI BANK BUILDING (1701 E Lake Ave, Glenview, IL 60025) to pay the due on my card and the ATM took my money and did not print any proof that I had deposited 137 DOLLARS!!! Immediately after this occurred I went up to a clerk to inform her of what happened and she rudely said "Call the card. We cannot do anything about it." It is shocking to see that no one in the bank could help me with an ATM located INSIDE A CITI BANK BUILDING. I was extremely upset, so a man who sits at one of the bank desks offered to call the card with me. He called and reported what had occurred. He told me that the money from the ATMs is collected every Monday, yet I still have not heard anything since. How is it possible that this has not been resolved if there are cameras IN THE BANK which can easily display me depositing money!!??

Back in 2014, I opened a secured credit card and deposited $200 as minimum requested by CitiBank. I love this card and its features. Early 2016 Citibank automatically closed this card without asking if I want it closed. They went further and awarded me a Citi Diamond Card with a credit line of $200. I called Citibank telling them I don't want this Card and not at the moment. I even went to a Citi location in DC.

I was in a Costco 300 miles from home. I present my card and am told it's turned down. I call Citi and answer the security question. I'm told it's the wrong answer and the call is ended. I call again, same thing happens. That's 12 minutes gone. I call again and wait for 28 minutes to speak to a customer service rep. Meanwhile, I make my purchase with another Visa. When I finally get through, I'm told it was a fraud alert. I give the rep my security question answer - and yes it's the same one I gave the automated service twice. The rep tells me my card shouldn't have been turned down and that I should not receive fraud alerts when I'm still in the issue state. I check my emails and I find Citi's fraud alert dated a couple of minutes AFTER I got off the phone with their customer service - FAIL. Gotta love cellular phones for their ease in tracking calls. Costco needs to lose Citi as their Visa.

Unbelievable! OMG!! They will not answer the phone, they said they were closed. Today is Friday, Central Standard Time in Illinois. No manager is available. Is it a holiday in India? I have had this account for more than 10 years. My credit rating is 700, and my password is my cat's name. I had to go to their security and the girl I got said my password was correct. I sat on the phone for 20 mins and had to call back. Again they would not accept my information, because I was using my cell number. I have had the same address for 23 years. I am so pissed off. I am canceling and going to use my Discover Card. All I want to know if I did a large purchase what is their current interest rate. I have not had service this poor in years. I am still completely shocked!!! I am going to cool down and write a letter to their company president! I just cut my card up! Feel better. LOL!

Stay clear. They treat people bad. My parents have had this card since 1999. In April they got their platinum cards and their bill is always paid on time and AT&T cancelled their card because they have not used it for 6 months. They are elderly and disabled so they use this card to buy for the holidays so it is not like they don't use the card just not every 6 months and this is how this company treats loyal customers.

We travel throughout the year. Every time we make 2 separate purchases from Costco the second transaction gets denied. Today we got a fraud alert text and confirmed it was not fraud. Message said card is ready to use. Transaction still declined. Then we called and entered the security number. Said "all good". Try again. Failed. Then Costco associate called. We answered security questions and had to talk to 3 people before transaction was approved. 30 plus minutes and hot food getting cold and frozen food thawing. Worst customer service ever. American Express was perfect no issues. So sorry that Costco is working with such a disorganized company.

Well I (mistakenly) got a credit card from them and set up an online account. Next day I tried to go onto the account and the password from yesterday didnt work. The secret word also came up wrong (both written down on paper). After calling 6 different times each with a "call you back later" or "we are unable to verify your identity" still nothing. Then I tried to close down the account and couldnt do that. So now Im left with an account that I cant pay, login to or close. Now I know why their headquarters is in new york, a city that doesnt allow weapons of any kind.

Citigroup is pathetic is well known fact. Giving false information and making false update to account without account holder knowledge and information is legally worrying. Also raises concern on data compromise. Asking for money without any customer help (no cards issues and no account to make payments).

There were 2 fraud transactions reported in my Citi credit card amount of $230 and $123. I reported fraud transactions to Citi bank and customer support team has no idea on these fraud transaction and all transactions are valid and made through credit card. I never visited these restaurants and city. I blocked the card immediately and stopped further transactions. I called the stores (RED LOBSTER and Home Goods) to know more about fraud transactions. Store managers looked at these truncations and confirmed that these transactions were made using credit card and not through online. Also these stores do not accept online transactions. Really confused and how someone has created a chip enabled credit card. This is seriously wrong with Citi credit cards.

There were $1600 in unauthorized charges. I reported them while still on "pending" status. They still processes them... When I called to follow up, they told me that I probably "shared" my card info with somebody because the purchases were online. Not true!!! As per the information in their web page the purchases were made in Marshalls, BJs and Adidas STORES!! After going backwards and forwards they told me that they will take few days to investigate...

Citibank has failed to send statements so I can pay my bills which I pay on time all the time. It happened so many times I closed the account. Since closing the account my bills once again didn't come and cost me late fees. This is a scam in my opinion. They want to blame it on the post office and mail service but it happened with their cards a lot with me. I have closed all my Citibank cards. It's absolutely disgusting what they are doing.

Statement received 16 days late / July 4th Holiday? No idea why. But, after three phone calls they really corrected the error. Wow, Ronel really fixed this. Three phone calls to fixed this $25.00 Late + $14.00 Interest taken off. We got our statement on June 18, payment due June 15th, I made payment online June 18th. Told by 1st Citi Bank Manila Call Center Agent that if payment made by the 20th there would be no late fee, or interest. Called into Citi Bank - have to call early in day to speak to supervisor, like by 7AM PDT - HE SAID HE COULD NOT DO ANYTHING, we should have know payment due. I am long term 20 year+ customer, no late payments in all that time - I told him (the supervisor) I would close the account, he did not care. Period. 7/25/16 Got July Statement it showed not only the $25.00 but a $14.00 interest bill.

I applied and set up a Citi Diamond card for the 21 month 0% but 3% transaction charge. I was excited to get this going, but the instant limit was lower than what I expected. Not a problem, I was going to call and request an increase. First interaction, I was told to wait until I receive the credit card in order to request the increase. I didn't have the card nor the security number to verify the account. So I waited.

I was given this Citi prepaid card by Verizon when I purchased a phone few months back as a rebate. Today I finally tried using the card for the first time and got declined. Made a call to the customer service and was told that it has a hold for the amount that was trying to use because of the declined process. She then tells me that I can't use the card for next 8 days. I tried to ask more questions and got hung up on. I called back and asked for a supervisor, was put on hold and after about 10 minutes of terrible elevator music it disconnected. So, I hope that I remember to use this card before it expires in November or lose it. But then again, maybe that's what they are hoping for.

My issue started when I tried to login into the account on June 21, 2016. I was instructed to call CitiCard recovery department. I was told that the account has being placed on bankruptcy status. I had explained to them that I have never applied for bankruptcy, that they were making a mistake with my son whom has the same name except he is a Jr. He did filed for bankruptcy and had it a CitiCard but it was only under his name. The card that I have is under my name only and that I have always paid with no issues whatsoever. I was told that my issue will be handle by a special department and that I have to call in about 5 to 7 business days. So this issue was resolved and the account was active.

I have had a Citi Drivers Edge card since 1988. Occasionally when the funds in the account get up there I claim the reward dollars. This time I completed the required form, sent in the copy of the lease payment, which contains the vin number, dealership info, lease termination date. All of the information that is required. Instead of getting a check back I received a letter requesting the original lease papers. Frankly this is none of their business! I feel it is an infringement on my privacy. I earned the reward dollars and should be entitled to have them when there are requested. I have not had to provide this information in the past. The solution was to CANCEL the card. Lose over $200.00 and never ever do business with Citi again. So much for customer loyalty after almost 30 years.

Tried to call customer representative, has been on hold for 23 minutes, still waiting. This is not acceptable! I had used Chase for years and typically a representative is reachable right after the call gets through.

I am disputing a fraudulent charge on my Citi credit card. I was told, I would not have to pay the charge. I get a letter in the mail, that the dispute was charged back to my Citi credit card. I never received the dispute letter to fill out. I have now placed over 14 calls the customer service #18008426596. I requested each call to have the dispute letter mailed to my home address. I was told that a dispute letter would be mailed to my home address. I am now 16 call to Citi credit card dispute line, I have been waiting on the phone now for 13 minutes and still holding.

I have been a member with Citibank only a few months. Every time a pay my bill it takes 2 weeks or more for them to post payment. It's a good thing I always send at least two weeks in advance of the due date and I always pay 4 times the amount due. This not pleasing to me as I would like to see my payments posted much sooner. I don't understand the reason it would take so long. I also requested and credit line increase and was denied and don't know why as I stated I have never been late and always make large payments or pay in full.

I was doubled charged by an airline. I tried 5 times to get a hold of Citibank to resolve. Once you get into the automated number with Citibank and ask for customer service, it states they have high call volume and hangs up on you. This has happened for the last 3 days.

My bill was due on the 1st of the month. I don't get my pay posted till 1st of the month so I have a tight window to pay my bill. I unexpectedly had to pull a 13 hour work shift and didn't get home till 10:30 p.m. and knew I had to get my bill paid soon. I thought I had till midnight and I paid it at 11:02 C.T. and noticed the confirmation page showed my payment wouldn't post till the 2nd.

Went to the CITI website to print PDF of last month's co-branded Costco credit card statement and guess what -- it can't be done! The option is not there, even though on the first account screen it says print PDF of statement. You can print from Quicken, but not PDF. So if you want to go paperless with the idea of printing occasionally, you can't do it. This seems straightforward -- can't imagine why CITI didn't have this figured out before Costco took away our American Express cards (excellent technology, BTW) and replaced them with the CITI cards.

I originally had, along with apparently thousands of consumers, a Costco American Express card. I got this card when Costco transferred everything over from their previous credit card company. I paid my bill off every month. Imagine my surprise when I went online to look up my account under Citibank. I was charged a $27.00 late charge and $40.00 in interest. On an account I hadn't received a bill for. The payment wasn't due until August 8th. I called up Citibank, waited forever, and finally got a person who said he was so sorry and that both amounts would be taken off my account. I never would have applied for another credit card. I was perfectly happy to keep my American Express and just pay cash at Costco the few times I would go. However, my American Express card has been closed and I was channeled automatically into the Citibank Visa.

I purchased a pair of sunglasses from Saks Fifth Avenue online using my CitiCard in February 2016. I got a notice from CitiCard that the same item was available from Nordstrom for $80 less in March 2016. I filed with CitiCard Benefits online for receiving the benefit and provided the necessary receipt from Saks Fifth Avenue. I never heard from them until I checked the status of my claim today. The claim was denied with no explanation. I called them and after a long phone chase was able to talk to a representative who told me the claim I made was for a different model. When I checked with Nordstrom it turned out to be the same model. It then struck me that the whole scheme was a gimmick.

I have had my CitiCard for the past 5 months. Beginning 6/15/2016 each time I have attempted to make a payment no one answers the phone. I'm scared I will start getting late fees which in this case is not my fault. With a 21 month zero interest transfer I thought it was a deal to transfer $9600.00. I have only 7 months to pay off the remaining balance of $3,700 without interest. As I type I'm still on hold going to 45 minutes.

We have been credit card holders for over 20 years. Our CITI card is compromised at least twice a year. What is with that? We have decided to trash all CITI cards to avoid any more hassle.

I have $15,000 credit limit on my new Citibank card, did a transaction over the phone with my casino host who I gave my card # to complete the transaction before going to Vegas for a vacation. I have done this many times with American Express with no problem & have excellent credit. While out, getting ready for my trip, 3 days after I sent the host my info today I get a text from the fraud department for CitiCard Fraud dept asking me if I attempted "a charge at Mandalay in the amount of $5,000 on 7/15/? For yes reply 1 or reply 2 for no." I immediately replied 1. I was happy that they verified this & thought that was it. The next text message says "Please reprocess your charge. Your card is available for immediate use."

With my old Costco Amex, customer service was always a beautiful thing - prompt and responsive customer service. Costco did a huge disservice to its customers when it switched to VISA, because Citibank's customer service is horrendous. Shortly after receiving my new Costco Citi Visa card, I had a customer service issue. Being unable get through on the phone, I sent a message through the website. The response I got was hardly prompt and when I did get it, it was not only in the negative but completely unresponsive. I asked for a supervisor to contact me. In response I get essentially THE SAME unresponsive reply from the SAME customer service agent!!! Again I sent back a message pointing out how his answer was unresponsive and AGAIN asking for a supervisor to contact me. It's been over a week and still no response from anyone at Citi.

I recent received my HHonors Visa with Citi and currently on day three of usage. I only decided to get this card to support my HHonors American Express and get the bonus points as well as use it where AMEX isn't accepted (my way of trying to double dip on points). This is by far the biggest mistake of my life, never had I had such difficulty trying to get a card approved, they wanted all sorts of proof even though I have outstanding credit and many outstanding accounts. Well just recently I went to do a quick grocery trip that ended with me on hold with Citi for over 30 minutes because my card declined, the automated machine stated that there was a fraud prevention hold on my card. It was slightly embarrassing with my card declining and not being able to get a hold of anyone.

I called Citi to change the type of credit card I have. I keep their card because I like having a Mastercard for the occasions. It is the only card some businesses accept. While being told of the new differences in the new card I was told something different than what was stated online and I was staring at it at the time. The call center employee kept going like I had not questioned the discrepancy so I asked about it a second time. When I began to suspect a lack of understanding as to what I was asking, I inquired as to where the employee was located and was told India. I asked to be transferred to a US call center and was put on hold for over 15 minutes until the India located center answered again. Same problem so, again, I asked to be transferred to a US located call center. Was on hold another 20 or so minutes before a recording telling me to call back during "normal" business hours. Unacceptable as far as I'm concerned.

I had an American Advantage CitiCard for many years, and always thought the customer service was good but cancelled to go to a rebate card instead. Recently took out another card and boy, have things changed. If you are unfortunate enough to have to call, you can expect a 20-30 minute hold time to speak to someone in an obvious off-shore call center. The rep was barely intelligible, and no help at all. Apparently they don't value good customers as they make no effort to save an account.

The reason I decided to create this review is to save anyone else from spending 4 fruitless hours applying for a Citi MasterCard on the American Airlines website. I started out in the morning at about 11:30. After selecting the right flight arrangements which only took about 90 minutes of looking I was ready to purchase the ticket.

Their site has been down for weeks for making payments or changing payments. Why doesn't the gov't shut them down completely - as this is tricking the public. I can't make my payment on time. When I try to call - I was on hold for 1/2 hr. I finally gave up and hung up. I now have to send in my payment by mail - to make sure it gets there, and there's nothing funky going on in my account. I just don't trust them.

I reported the card lost on 6/26/16 by phone. After 44 min of hold/wait times, the rep offered to send a replacement expedited and waive some trivial $5-10 fee. Alarmingly, she wasn't even sure if the department that processes lost cards was available that weekend but she "offered" to help me. What CC department only has a lost card # on the weekdays only!?

Opened a thank you preferred card; didn't have any real issues. Decided to open an Advantage card for the mileage and perks since I travel frequently for business. First account had a few perks, but an inflight offer 2 weeks later had an even better incentive. Before the first card could even be used, I applied for the better offer. I was told they would close the first account and replace with this one. Well, after checking on the perks I NEVER RECEIVED I was told eligible charges were on the first account and since I applied for more than one, I didn't qualify for the (better) perks of the second card. Then during the same conversation with a supervisor(?) I was told charges were actually on the second account so, I couldn't get the set of perks (miles, etc.) from the first card.

New customer. Fell for their 0% rewards card marketing. Transferred a balance. Have not received my card. Called customer service. On hold almost 30 mins before speaking with someone. That person stated my card had been sent on 6/8/16. When I asked that the new card be sent certified, I was told she didn't know how to do that, but that she was going to guarantee I would receive my card in 7-10 business days. When I asked how she was going to guarantee that, she stated "I'm going to give you a confirmation number". Obviously, she works outside the US and has no clue as to how postal services operate, and that you can you can't just magically guarantee anything. She was less than helpful.

Been attempting to resolve a dispute over charges from a cosmetic scam I unfortunately got involved with. Needless to say, the (hidden) terms and conditions allow for many of these disreputable types of scams to exist. But worse yet is the financial organizations that allow it. Citi has had me on hold longer than 30 min. on several occasions. When someone does actually answer, most often from out of the country, they have little knowledge of the situation or how to resolve it and will offer to have a 'supervisor' - or other titled person - return the call w/in 24-48 bus. hours. I have come to understand that THE best option is to utilize DISCOVER for my financial transactions. I have been w/ them since 1981 and have NEVER had a bad experience. Lesson here: obtain a second card from DISCOVER. Be wary of ALL financial institutions and research and READ reviews!

I did wait about an hour maybe a little more, but when the girl answered she was very nice and professional and helpful. She stayed with me til everything was working perfectly. LeAnn was her name and she was GREAT. Thank you.

I dislike the voice automated systems that insist on requiring a customer to give a verbal command as opposed to allowing a keypad selection. I see this as a greater threat to information security, and it prevents the ability to speak with anyone at CitiCard from a public venue, as you are required to speak sensitive information "OUT LOUD". Getting a hold of an actual person - next to impossible. Today I am 1 hour into trying to complain, and have not been able to get a live person or even a voice mail where an appropriate complaint can even be registered. Trying to pay a bill by phone is a joke, and public wi-fi is a bad plan as well, if I did any banking online... which I prefer NOT to do.

Citi.com complaints: Literally hours waiting on hold for Citi customer service (ha), if you get that far because they hang up cuz they're too busy. Citi reps say they have NO info about AMEX accounts and then hang up. AMEX had forwarded me to a long delay to Citi customer service, cuz AMEX has NO info on the Costco accounts. For days attempted to get through to Citi to report the AMEX card hand been stolen on/about June 18 evening. Could not get through for 3 days. AMEX payments made electronically on June 20 was not credited to account.

Credit deducted from my account. I have charged 2374.16$ from my Citi credit card. I tried to contact them thousands of times, still they didn't solved my problem. They making me to cry almost every day.

I can see why Citibank has 1 star - worst customer service ever. I'm simply trying to cancel the card that should never have been issued by Citibank but I've spent hours trying to make this happen. I cancelled my Costco American Express card over 6 weeks before the conversion to Citibank. I called on 5/11 to confirm I wouldn't be issued a Citibank card - 6 weeks before the conversion date - but of course was issued one anyway. So upon receipt of the card on 6/14 I called again to cancel and after being put on hold and then transferred & put on hold again I was told by Rick that I had to call back on 6/20 - until then there was nothing he could do. Rick's job is not customer service - his job is to get you to keep the card. He had ZERO customer service skills.

I inadvertently sent my Citibank airline credit card payment to another company. When I discovered the error, I immediately paid the entire past due balance. I called Citibank and explained what happened and asked them to waive the late fee. I pointed out that I always pay my entire balance in full when I receive the statement and have never been late before. After talking to a service rep and his supervisor, they said the late fee could not be waived. They said the only way the late fee could be waived was if it was a bank error. What a poor response to a customer who has never been late before. I immediately cancelled my credit card. I don't need to be with a company that does not value me as a customer.

I received my card about 4 months ago. Made my payment on time, then suddenly started receiving a barrage of calls. I'm thinking just some promotion, only to find out after receiving my bill, it had past due, with a fee of $25.00 return check. So I immediately contacted my bank about this situation, no return check whatsoever. I pay by phone, so I received a confirmation number for all my payments. They stated everything from me only stating 5 numbers instead of 7, for the payment. Wouldn't be so, information has to correct 1, not only that they replay your information before receiving a confirmation number. Spent 2 hrs on the phone trying to straighten this up. That was last month, which was May. Supervisor stated she would remove the $25.00 return check, so my account went from the current 25 to 60 last month because of their error.

CitiCard is terrible! From their banking to their credit cards. When I signed up for banking they told me if I had automatic deposits in my account I wouldn't be charged any fees. As soon as I started getting automatic deposits into my account... Citi started taking 12.00 dollars out of my account monthly. What a bunch of thieves.

It was Thursday June 2nd 2016 around 10AM. I get a call from Citi about my CitiCard credit card getting shut down from their fraud control dept. They want to get myriad confirming pieces of data on me "to be sure they know who they are talking to". So I tell them I will call them back as I don't give personal data that can be used to secure credit applications out over the phone to people who happen to be calling me as this smacks of a generic phishing and fraud call, thank you good ** Bye.

Where do I begin? First, I would like to say although my issues comes in two forms. T-Mobile and Citibank Prepaid! I called this bank about 2 weeks ago to see why it was taking so long for them to mail my refund on behalf of T-Mobile. This young man by the name of "Justin" answered. I thought he would be able to help me out with this frustrating issue of getting my refund. So he proceeds with asking those super monotonous questions. I went along with it, it's his "job". Well, long story short, he hangs up (or we dropped calls as they like to say when they do not want to deal with you anymore)! So I called T-mobile again, to see why it was taking such a long time! It has been 2 months and I have yet to receive my refund! So T-mobile says "Oh maybe it is because they have the wrong information". I'm like, yeah duhhhhhhh they have the wrong information. I said that the first 5 times that I have called!

I reported to Citi Card that I lost my credit card. I was viewing the recent activity, confirmed to the representative that it didn't show any charges that weren't mine. She never told me that as soon as they deactivated the card, I would no longer be able to see the recent activity. I spent an hour on the phone with them refusing to provide me any form of account activity. I am going to cancel and would appreciate recommendations from other dissatisfied Citi Card customers on a card with decent customer service.

I had given same information about my financial income to other credit card companies and I was approved right away, while Citi declined my application. I just don't understand. Maybe I told the truth about my income. I was surprised and upset. Poor service and bad decision by the Citi.

This is the first time in my whole life a credit card company asking me to fax or mail them copy of my ss card and id. I have 825 FICA score. I was trying to look up my balance on computer which must had triggered something. I called and answer all the security questions and despite that they wanted copies. I was not at all comfortable sending or faxing my stuff.

I have called for the past four months (once each month) requesting Citi to STOP sending me balance transfer checks. Each time I have called the call averages 15+ minutes and I am assured that they will stop. Then approx. 3 weeks later, lo and behold, 3 envelopes of balance transfer checks arrive. I just got off the phone again with them. This time, I wasn't able to verify that they will stop because of the call transfers to people that don't speak English needing my social security number, address, phone, and mystery passwords I can't recall. So, be warned, if you have Citi you will receive balance transfer checks sent to you for now and eternity.

If you ask for a credit line increase and get manual review, they will deny you. BUT, they still will pull your credit report, adding insult to injury. I called and they say they do that as a matter of procedure. I think they just use it as an excuse to check your data.

I have been a member since 2004. Every month I pay off my balance over the phone by COMPUTER CRAP. Last time I spoke to a person, asked for the balance pay off paid i.e. 5-4-16, got a bill today for $26?? Why would I call to pay off my balance in full... IN FULL and then get a bill, WTF. I am so sick of this crap every month the same **, give me the balance so I can pay it... The balance what I owe, cancel my card, will never use you again. NO, YOU WILL NEVER USE ME AGAIN.

I have had a Citi account for 25 years. Yesterday I received a notice they closed my account due to "inactivity". I was not given any notice that my account was at risk for this (no loyalty after 25 years) - as it is easy enough for me to use the card. Initially, I thought it was a phishing email so I didn't believe it. When I inquired further, I was told my account was closed and I could open a new account (presumably under new terms). That is strange, why a new account when my 25-year-old account was just fine?

Don't use this credit card. They are inefficient and their bureaucracy will end up costing you lots of time. They sent me a new credit card, same number, with a new expiration date. Even though they sent it, they now do not recognize all the old automatic payments I set up. This will take me hours to deal with.

Have attempted to work with them since Sept. Did not receive statement. Paid the balance. They charged a late fee. I tried to close the account. Since then the late fee's keep multiplying. Asked for written response. None. Have sent 6 letters, several emails, asking for written clarification. Hearing problem. Have included all documentation. Zero response. They turned it over to collection agency. I sent all paperwork copies to them. Zero response. (We have an account with Home Depot that is paid on time monthly and is in good standing.) How we obtained a second one was when a clerk opened it because I forgot my card. Citibank should have the courtesy to respond via writing and to stop all the additional fees while this issue is unresolved. I would never, ever have a card with them or any affiliates again. Will always use my credit union from now on. They lost a good customer.

First of all I'm shocked that The Home Depot dealing with sick people/company! I went to Home Depot and applied for their credit card! (Was a stupid move, I should have done research before doing it.) Anyway they came back to me by mail saying sorry! No explanation, nothing! I called them to ask about the situation. They explained that there were too many credit report requests on my account for past year! Because of this, I registered on TransUnion and saw only 3 credit report requests for past year (including their request!!!) so I called them again but they even didn't try to negotiate. I am so disappointed with them and NEVER EVER gonna deals with them. BTW, I have a great credit score and I don't have any debt (only mortgage) so if you still considering, DO NOT apply for anything via this company. Try your luck with other companies.

I had closed my Citibank card due to their exorbitant annual fee. The account was always kept current and I had paid it off, or so I thought, but didn't realize it was still linked to an online account. A transaction had come through on that account in the meantime for a whole, mind you, $9.24. Since I thought this account was paid in full and I was no longer going to use it, I never logged back in and never say that I still owed $9.24. It wasn't until I started getting nasty phone calls from Citi's collections team that I logged in and realized what had happened.

Does anyone else think this is a security issue? Scenario - I make a payment to my Citi credit card. They hold the payment for 4 days each time even though I have never had an issue. The only way they release it is if they call my bank issuing payment and the Citi agent sits on the phone call with me while I provide the bank my security information to verify my account. This seems like a direct security issue lending itself to fraud. Very surprised Citi is making me put my confidential information at risk.

I am having account with Citibank since a year and I pay my credit card regularly. This month when I tried to pay it was throwing error and I had to chat with customer service rep and pay my credit card. Below is the way I pay my credit card. Many customers try to pay the cc online and when I was talking to rep, they are suggesting either through chat or by calling I should pay it, since why should I waste time in doing that. I am writing this review so that they will take care of such issues in future;

As a GREAT Citibank customer for over 17 years we have had a total of 8 fraudulent charges billed to our account since March 16th from vendor POSTAGE GOSHIPPO.COM (PGS) in San Francisco. We received a text asking to call them on the first 2 transactions and was told they would credit them. We asked to block this vendor, they said they couldn't.

Citi recently called me to tell me they were closing my account, due to a compromised merchant. They would not tell me who the merchant was. Then, my account alerts did not go off, probably because the new account was not activated yet. So, I didn't know I had a pending autopay that was much higher than usual. I got a return check fee, but NO email from them telling me. I then put in a manual payment and called to have the fee refunded, since it was because they did not send an alert.

I received a refund check in the mail which I almost did not open. With paperless statements, I do not get a mail from Citibank unless it is a junk mail. Recently I overpaid to the Citi so I had a negative balance in the previous month. So this gave them an opportunity to scam me under the pretense Citibank is refunding me. However, it is not a refund because they charged me first (same amount on the check) in my statement and therefore I now have go to the bank to deposit the check. They used the negative balance toward all the purchases I made so far. So what is the refund for? Other than they are hoping me to disregard the check or not making a deposit to the bank. This way they earned what is on the check. This is a scam. Beware.

I went to Citibank to get a temporary debit card, while waiting for my permanent one. The previous one had been stolen. After obtaining the card the next day every transaction was declined. I called the bank several times and was given different reasons as to why it was declining, the worse response was please wipe off the card then try again. I was furious because at the point I could withdraw from the ATM either and was at the register trying to pay for groceries. The fourth time I called back I was informed the card was cancelled because I called an hour ago to activate another debit card.

I have been with Citi now for 4 years and have both Simplicity and Thank You credit cards. On March 30th I happen to notice on my Simplicity statement that I was being billed for their Payment Safe Guard. I never asked for this service nor was I aware I was being billed for it. I called the number given for Payment Safeguard and told them to cancel it. I was told they would and was also told I would be refunded $1284.00 for past charges by them. I got a email today from Citi letting me know my request for the refund had been denied. I called both Citi and Payment Safe Guard and was told the same. I was told I had to send a letter to this Payment Safeguard and pretty much plea for my money back, money btw that they had no legal right to take.

Every year I have bought the ticket to Europe for my daughter. I always did this online on the American website. Before, I paid with Capital One, TD bank and I never had any fees. This year I paid with Citi diamond preferred mastercard. After 3 days, I found $29.42 FEE for foreign transaction. I have alerts on my iPhone, but they did not send any. For payments, they are sending 3 weeks before, but when they are supposed to inform me, there was no alerts system. When I called them they suggested me to ask SAS for that fee. The Citibank took the fee and they want somebody else paid for that!!! Never be their customer.

We are using their 2% cash back credit card. We noticed a fraudulent charge on our statement which we did not authorize. They cancelled the card and sent us a new card with a new number. Then, we were told that it would take 2-3 billing cycles to investigate the charge and post a credit to our account. What??? No other Credit Card Company operates like this. It seems that Citi hopes that you will pay the Fraudulent charges by not posting a temporary credit to your account. Their customer service reps are terrible and unresponsive. I'm done with this Company. It's not worth the grief to get an extra 1% back. I recommend staying away from this company.

I've had two accounts with CitiCard. First they closed one of my accounts. I can understand because I was struggling at the time. I paid both off. After which they decreased my credit line so now I have my current account halfway paid then without notice they closed the account. I will never use CITI for any service, credit or bank.

After spending 30-40 minutes on the phone with multiple customer service agents I finally had enough. Paid for them all in full and closed all three accounts with Citi. I told the rep I shredded the credit card and she continued to ask me for the card number. I stopped being angry and started laughing because she wasn't listening to a word I was saying. She finally hung up on me even through our dealings were not complete. I never realized how bad their customer service was until I needed to use it. I'll take my money elsewhere.

I have had a card with Citi for 10 years, and always paid in full on time. I had not used the card recently and all of a sudden I wake up with email in my inbox that the card was cancelled without warning due to inactivity. They told me to go to T&C on website - they didn't even know where this was and took time to find it - and said, "sorry, we can't do anything about it". I complained that it would be nice if they sent a letter before they were going to do something like that so we as a customer could do something about the situation. They said, "sorry there is nothing we can do except you can apply for another card or we can reopen your card but we have to do another credit check". I'm like, "uh no thanks". The disregard and lack of interest in customer care is alarming. They do not care about their customers at all or how their actions will affect your credit score, which mine is over 800 by the way. Will NOT be using Citi cards again.

My bank sent my credit card payment in Dec for January early because of the Holiday. It went through a day too early and did not credit as my January payment. I called and spoke with customer service and they assured me that it would be corrected. Two months later I am burdened with late fees, credit collection, etc. I have spoken with them three times and was finally told they can't do anything to correct it. I am now paying two payments to get this straightened out because I don't want to deal with this despicable company again. I will never do business with them again. Their customer service is most unhelpful. Actually they lied to me, and then knowing that there is something that can be done, lied to me again. Don't be fooled by their gimmicks.

Citibank notified me about fraudulent charges on my card (which was great!). These charges were in Brazil. I have never been to South America. I was told I had to complete and fax a declaration of fraudulent charges. I waited over a week to receive this form from Citibank. When I received the forms they were the incorrect forms. I called Citi, again, I waited a week for the correct forms. I submitted the forms. We are going on 45 days and the charges are still on my account. This I find ironic since Citi informed me they were fraudulent. I have spent close to 3 hours phone time on this. I would not recommend Citi bank credit cards to anyone. I currently have a American Express and Discover card. I have had these cards for 30 years and I have never had an issue with Amex or Discover. I have only received incredible customer service from American Express and Discover. Do Not get a Citi Visa Card. AWFUL CUSTOMER SERVICE!!!

I had been with CitiCard for eight years. I was on a cashback basis and I had accrued $57.23 in a cashback reward. On Feb 11,2016, I called customer service at CitiCard and told them since I had other CitiCard credit cards, that I had decided to terminate this particular card and would like a check for the amount that I had accrued. I was told that that amount was $19.50. I told customer service that my records showed that it was $57.23. She then told me that they had deducted the original amount down to the lower amount because I had not used this card recently.

I have had a problem with my Citi credit card account over the past two weeks, and I have called 6 times to 6 different representatives. None of them could understand what my problem was, nor could they help me. They lost an over $2000 payment on my credit card, however they DID get the letter I sent with the payment. How does this happen? On my most recent call, I got transferred twice and had to give my "secret password" THREE TIMES!!! ON ONE CALL! On the last person, after asking to speak with a supervisor after repeating myself over and over, they started asking me MORE questions. I just absolutely couldn't answer any more of their inane questions. Horrible customer service. I cancelled all of my accounts with them today.

If I knew back then what I know now, I would not have been sold on the idea that this company cares for its customers. I recently set up monthly automatic payments; however, I decided to manually pay my due earlier than the auto withdrawal; I didn't see any option to cancel the auto payments this month and assume that the system would pick up that payment was made earlier in the month and this will turn off the auto pay. That didn't occur and my other bank account was overdrawn, leading to $29.00 fee; I called... And had terrible service -- while the rep was nice, she did not tell me that refunding my other bank account would cost me $37.00 in my CitiCard account... And sadly, the auto payment without my knowledge or being informed, attempted to withdraw the same monthly amount a few days later, which resulted in another $29.00 overdrawn fee in my other bank account...

I had credit cards in the past with Citibank (before 2008) and they use to be pretty good. I had a 10,000 and later a 5 grand limit and paid them off in full, then closed (before I knew that it would hurt my credit worthiness). In 2013 I opened up a 2500 limit card approved online, then they lowered it to 1500 with some lame excuse and they also blocked any cash advance. Hmmm, interesting. Never happened before nor had I given them any reason to distrust me. I paid my bill every month, no problem. They did a credit pull and lowered my limit to 1000 after paying my card in full... WTH said my credit report was lower. What does that have to do with my paying on time every month? BTW my credit report has since been CORRECTED! Now when they lowered my limit my score went down as well.

Horrible service. CitiCard offer you total protection, but they don't have staff to take your call and open the dispute! How about that, isn't that ridiculous!? Be advised: stay out of this crap! Even small companies when starting have better customer service. Even worse: people take your time to get all information then says there's a high call volume but is it our problem? Why they offer customer service? To make you trying again and again and again..? At least other cc administrators take notes and open your dispute when they have time. What these guys think they are?

After filing a merchant dispute, I was given a credit right away, that's good! But when this fraud company/merchant said they won't refund me my money, Citi reversed the credit, without even asking for clarification. They sided with the merchant who was always wrong.

Have had a Citibank Credit card since 1986, along with absolutely stellar credit. Never been late with a payment, never had any problems. Along comes 2009, and the banking crisis; suddenly Citibank jacks up my APR from 12.49% (already way too high) to 19.something%. When I call to find out why, they tell me they're changing the terms of my credit card. They want me to agree to those changes, but they can't tell me exactly what those changes are. Are they nuts??

I opened an account with Citi in July of 2014 through Credit Karma. It was opened to do a balance transfer no interest for 18 months. They opened my account and things went fine until June of 2015. I got a letter stating they were decreasing my line of credit by $6,180. This was due to negative information being reported on my Equifax Credit Report. I got a copy of my report from Credit Karma no negative information was on the report. I called Citi they referred me back to Equifax. By Citi decreasing my line of credit my FICO did drop. I called Citi many times to tell them there was no negative information on my report. They were not changing my line back to the original amount. I just dropped it.

We had an account of 12 years, in good standing, not 1 late payment. WE always paid off the full balance monthly. Then out of the blue they cancel our account, refuse to give us any explanation. We just paid the 95 dollar card fee in November. We can't even talk to them over the phone.

I've never felt the need to praise a bank card issuer, particularly Citibank. In fact, I had canceled the basic American Airlines AAdvantage card issued by Citibank two years ago, because of poor customer service. On a flight from Washington, DC to Orlando, a flight attendant offered an application for the Platinum AAdvantage card that came with 40,000 bonus miles. Yes, the annual fee is $95, but that was waived the first year.

Card member since 2003. Never lost card. No late payments. Early fraud system - extremely annoying. 2X in 1 wk online purchases with card declined because purchases found to be unusual & suspicious activity. Declined $66 purchase on Amazon Prime - password protected site, for chocolate covered peppermint sticks. The other purchase was $107 charge for a wedding gift that never went through because items were the last available. Citibank=Scrooge.

I paid off my credit card through Citibank in August of 2015 after calling and getting the balance. Three months later I get a phone call telling me I owe interest on late fees. I said that isn't possible because I paid off the card. They said they could see where I paid off the balance and clearly that was my intent, but that the interest for that billing cycle was not available to their agent at the time I called. I said I was happy to pay whatever interest would have been due up to that payoff but no other interest or late fees. They told me they could only remove one late fee because that is their policy.

I called in August to make a payment on my husband's account. I am not on the account. I verified his personal info, they told me that I was not liable for the debt and that the call may be recorded. The girl suggested auto pay and said I could manage it online. I said ok (remember, I'm not on the account). I tried creating an online account, it kept asking for a card expiration. I called my husband, he looked at it and said there was not an expiration date. Because of that, we couldn't create that account. I called in September to change payment amount and told them we wanted the auto pay canceled due to not being able to manage it. I got the speech and disclosures and was told that it would be canceled (again, I verified my husbands information in order to obtain account access).

I applied for a Citi American Airlines Advantage card offer for 50,000 miles after charging $3000 in the first 3 months. Asked agent to verify that I was eligible for offer when I called to activate credit card. Agent verified that I was eligible. I was concerned because I had closed a Citi account 6-months prior. Spent $5K in 3 months and planned to spend more. Did not see miles post. Emailed then phoned in and the Citi agent said I did NOT qualify because I had closed an acct in prior 18-months.

Stay away from applying with Citi Credit Cards, my experience was horrible. I had applied for a Citi Credit Card about a week ago from an email I received from Citi because I provided my info on the Citi website along with my score for further details regarding a Credit Card. Within the email, was a promotion with a nice credit amount that would apply since I provided info on my score; I have great credit. After finalizing my application, I received a message stating that my application will be reviewed and I shall receive further details within a couple of days by email.

Citibank offered a balance transfer at a low rate. The problem was they called this a promotional balance and when I wanted to pay on my promotional balance, they told me all non promotional balances had to be paid off first. What good is a low rate on a balance transfer if you cannot make any payments on it? I closed that card because I told customer service that I was not going to use it again until the balance transfers were paid off so there was no sense having a card if I couldn't use it. If there was a promotional balance still due after the promotion period ended, it would revert to the current interest rate of the card. They of course assured that the information was listed, I must not have read the entire offer. Seriously, the fine print. Obviously my mistake.

Usually a big fan of Citi cards. But you guys really made me feel unprotected as a customer when I disputed a transaction and you guys advised me that there is nothing you can do. Really frustrated. But hoping you can help. Ready to stay to a loyal customer but only if you make it right! Don't want to close my account after all these years.

After being a loyal customer for many years and never having a late payment, this month I had a personal emergency on the day my payment was due. I paid the next day at 4am and immediately sent them a message saying they would see from my history that I am never late and if they would please consider waiving a late fee I would be appreciative. They responded that no fee had yet been assessed and to check back if it was. Today, the fee has been assessed so I responded back again. Their response was that the fee was valid and therefore would not be removed.

I've had a Citibank Visa since '92. I got the card for Citimiles. After a few years was discontinued. A while back I used Citibank visa to receive a FREE sample of a weight loss drug. The weight loss drug turned out to be a capsule full of herbs, and I forgot to cancel, so I received a 90 day supply for $300. Then I canceled. Later misc charges, $45 - weight loss consultant; $25 exercise class, etc. now I owed $600+. Customer service was very nice, but nothing happened.

Sigh, really? I bought airplane tickets from Expedia, and the site offered a $100 discount if I opened a Citi card. The $100 discount came through, but then a month later a fee of $95. Now let's see. I lost $10 in points by not using my regular card. So I am $5 dollar down on this one. Problem though is that the $95 fee was not upfront with the offer. Bait and switch. Lesson leaned. Avoid Citi.

My husband has had a very high balanced credit card with Citibank for 15 years, we don't use it often, however due to circumstances, we have had to resort to using it. I was late ONCE making my payment, within 30 days, and they increase the interest rate to 29.99%!!! This is insane. My payment on this card a month right now is $700!!! Then they have the audacity to send a letter in the mail that "they care" about their customers and to contact them to discuss the account! I can see jacking rates up if we were habitually late on our payments, but one late payment and with a $25,000 credit card, obviously good credit, why would you do this to someone. Will never use this card again once it's paid off, you all should be ashamed!

They called my cell and then my husband's cell which used to be our home phone. They reached him and spoke to him about my card and that I owe $. He is not on my account and is not an authorized user, so no one should have said anything to him! I am furious about it! I called Citi, paid the amount due, asked them to remove his number and talked to a manager, who transferred me to someone that was supposed to help me get a new card. I never received the card in the mail, my other one expired in August. Well, I talked to this new person, and conveniently got disconnected. Now what? Call back and re-explain this whole situation again? I am so over this place!

I hit the link beside the pre-sale tickets button on the concert website to apply for a Citi Card to get in on pre-sale concert tickets for Citi only cardholders. This was 24 hours before the start of the pre-sale. You need the first 6 digits of your Citi Card to access the pre-sale AND you need to purchase the tickets with the same card. So, I called Citi to get the full card number so that I could proceed with the pre-sale purchase. Citi said it would take 48 hours before they could access my full account number.

I am currently a service member who has to have a Citibank Government Travel Card. I went on TDY and it took my unit a long time to pay Citibank approximately $3,000. I began to get called by Citibank about three times a day almost everyday telling me I was liable for the money. They told me I had to schedule two automatic payments for about $1,600 each or I would be reported to the Credit Bureau. So I called Citibank and they told me if they received the money from my unit, then they wouldn't take the first payment. My unit made the payment and overpaid Citi $700. Citibank still took the $1,600 and when I called to ask why they said it was my responsibility to call and cancel the payment.

I closed the account due to the fact that their customer service was horrible. When that happened I asked the agent if I can still redeem my rewards points. He said "you have 90 days." Next day all my points were not available, I am being transferred from an agent to another, talked to 4 different agents. Horrible, plus they are notorious for charging fees on top of other fees like crazy.

Opened a Best Buy credit card through Citibank at the store. They took the rewards card that my husband had and tied it to the account. That's the beginning of the issue. Citibank then updated my credit card info with my husband's name from the rewards card...That was totally wrong (name spelling to an incorrect address). I never received a bill or credit card. My husband had my credit card reported against his credit which messed up his credit. I was able to get to Citibank through my ssn and the last 4 of the number of credit card of the receipt from our purchase. They apologized but said they couldn't do much.

After being a Citibank customer for 30 years they without noticed closed my credit card which was in good standing due to inactivity. This has adversely affected my credit score just as I was getting ready to purchase a new car. Citibank said they were sorry but because the card hadn't been used they closed it and it is not their policy to send a letter ahead of time informing you of it. They actually said they realize it affects credit scores but there is nothing they can do. DO NOT BANK WITH THEM. The customer service is horrible.

After being loyal customers to this company for over 20+ they screwed us so badly that our credit scores dropped 100 points. We have $50k limit on our cards yet when we hit 300, they call us asking for a $90 payment. Run from these people, run!

I applied for Citi credit card. They kept me waiting for 1.5 months and still they told me I should send them a proof of my address. It's ridiculous. I have had 11 credit cards from Discover to Bank of America, to Wells Fargo. I never had any problem. I have heard that this bank is crazy and my friends kept telling me CITI is awful in all aspects. Now I believe them. NEVER trust them neither for the time of approval nor rewards they offer. They are totally lies and wrong. Ask your friends.

I had CITI credit card and bought flight tickets and then I have to cancel the ticket and re booked new ticked because of illness. Then doesn't cover and any travel changes. They such a disgusting and ridiculous reasons. Citibank customer service such a **. If you call them almost take 1 hour waiting. Suggestion: DON'T TRUST ON CITIBANK CREDIT CARD BENEFITS.

I have called customer service regarding foreign transaction fee on my AA advantage credit card. Supervisor named Scottie from Jacksonville, FL lied to me that there is no record of calling Citibank regarding foreign transaction fee on my account then when I told him "why you lied" then he changed his story. Time of call - 5:55 to 5:58 pm 09/16/2015. If anyone reviewing this post then please review my conversation and fire Scottie for his dishonest behavior and lying to me. I would not do business with Citibank with this kind of employee working there. Today they lied to me regarding foreign transaction fee, tomorrow they will take my money and runaway or take money and lie to people that they have withdrawn from account.

My balance was $2800. I paid $500, still $2500 due. No late payments or anything. Not to mention I didn't use all this money because Citibank didn't help me with my dispute. Stupidest bank ever!

I had a problem with Citi on-line payment processing. They were quick to take the money out of my bank account but 3 days later they still have not posted to my CC account. Monday I went online and make a payment, Tuesday money came out of my bank, Thursday still no posting on my card. I tried online chat, but Neil's computer tells him I did not make the payment today, when I know it was done Monday. Also, the online chat staff does not have a supervisor. Imagine that, no supervision in the Citi Simplicity online area. Wish I had a job like that.

I am holding a clear Visa card (supplementary card holder) with 4 digit **. I called 04-2960000 this afternoon at 1714hrs as I need to authorized a cord blood stem cell company to proceed with an amount of RM 5900. And it require the credit card mailing address to be filled. Myself and husband has migrated to overseas more than 10 years and can't recall the mailing address. And my husband are engage with a project and I am back to Malaysia for my 2nd child delivery and expecting this two days going to due.

I open a secure card card account with Citibank back in 2010. I open the account with $300 as a deposit because I could not make payments they put my account on collections. I called Citibank trying to get this account disputed out of my credit report, and they would not do it. I ask them what is going to happen with the deposit money that I put in when I open the account. They told me "We do not know what happen to the money. All we know is that you have a balance of $280. Do you want to make a payment arrangement?" I try to see if could solve it and they would not listen or try to help me out. Can anybody help me with this situation?

Citibank services all Home Depot accounts both commercial and personal doing the same awful, inconsiderate disservice to both. Citi is far more concerned with collecting nickel and dime fees than it is with keeping customers, resolving issues or admitting error. While Home Depot's bottom line may currently be enhance with Citi carrying 0% interest account for 12-24 months, the long term damage Citi does to Home Depot's customer base has to add up over time. I've never in 40 years of carrying credit cards had such poor non-caring attitude as that displayed by Citibank.

I applied credit card in Citibank. They came for verification. Till they are not collecting my ID proofs... I contacted them more than 10 times. But still there is no response...

I opened my Citi AAdvantage Platinum Select credit card back in April with the offer of 50,000 American Airlines bonus miles after spending $3000 within 3 months. I've spent almost $6000 since then with that credit card, but they did not apply the bonus miles to my account. I called them regarding this issue and they said I've spent only $2975 since I opened my account! I argued that I did not start spending immediately since I'd received my card almost a month after I activated my account and they should take into account this delay in the time span calculation. They did not accept my argument and I closed my account right away. It was a really negative experience...

I applied for a Citi American Airlines Advantage card for free checked bags and an offer for 50,000 miles after charging $3000 in the first few months. On my next AA flight I was charged for baggage. To their credit, when I called, they refunded the baggage fee. I met the $3000 requirement, so I asked about the miles. The customer service agent said to check back after another billing cycle. Another cycle goes by, I call again and the agent told me to check back. After explaining I had already waited, he checked further and told me I wasn't eligible for the miles because I had cancelled a credit card over a year ago (It must have been with USAIR). I asked why they specifically emailed me with the offer? Anyway, they didn't honor it. And I could have used my fabulous Delta Miles American Express card and received Delta miles. Two worst airlines - AA and USAIR combine with a terrible credit card company - Citi. Avoid them all.

Back in Feb 2015, I discovered 2 fraudulent charges on my Citi VISA CC. I called them immediately to have this card cancelled, and get a new card issued. Two days later, I discovered another two identical charges on this same card, so I called Citi again to find out what was going on. They indicated that it could take several days for them to put a hold on the card, and to not worry about the additional charges. I told them that I had about $18,000 in fraudulent charges now on this CC, and that they had better not expect payment on these in the current or next payment cycle (the two separate incidents spanned a billing cycle). They indicated I would not be responsible for the charges, so everything appeared to be fine.

My wife passed away in November 2014. My daughter and I notified this company of the death and since I was on the card as a signer they left the account open that we had for many years together. I continued to pay the bill with my checking account and only my name on the checks. Nine months later after I called about the password that they were asking for I was told that they now had to close the account due to my wife' death. As a senior that always paid the bill with my name on the account and the checks that paid the bill I was horrified that this can happen to anyone .

After receiving the credit card through Citibank I was the registered user with my mom. Well after staying in a hotel and using the card I tried to take out 500$ out of the ATM. Looks like that's a no no since I needed my mom to be there. Now the card is declined and I'm on vacation and put the card on the hotel. So the card with get declined now for the hotel and I have to get my mother to call in, just because I tried to get money from atm. I'm a registered user of the card but they said they need to verify that with my mom which I did!!! How else do you think I can get the card activated in the first place??? But the lady in fraud dept. said, "There is no record of that. Which is a total lie. I was right there with my mother on the phone when we go the card and activated it. Citibank really needs to step up their customer service. We will be cancelling this card as soon as I get back from vacation.

I received an inheritance and have been paying off all debts. I worked with USAA, Wells Fargo, Sears, American Express and Citi. Citi was the only one I've had who refused to give me a payoff balance as of today. Their policy is for my account to continue to accrue interest until the end of the statement period, even though I have paid it off! I realize it is not much, but the principle of the issue infuriates me. I plan to close this account and never give them a penny more than I have to.

I have had my MasterCard with Citi since 2003. For many years that was the only card I used until I realized a couple years ago there were other credit card companies that offered better rewards programs. Recently I decided to check the balance of my cash reward and to request a check for the balance since I rarely use this card and didn't want to forget about the remaining balance. I had a balance of $40 remaining so I called Citi Customer Service to request a redemption. The Citi representative told me that I would not be able to redeem the balance since I had not reached the $50 minimum redemption requirement. So I said I would close the account and asked for the balance to be redeemed. Citi told me that if I closed the account I would forfeit the reward balance.

Citicards stated a soft inquiry would be pulled for increase credit card line but a hard inquiry was pulled instead. They lied to a long time customer. On July 22, I request for a credit line increase on my existing credit card and specifically asked if a hard inquiry would be pulled from the credit bureau. I was told by the representative not to worry because only a soft inquiry would be pulled. I specifically asked this question because if a hard inquiry was required then I didn't want to get the increase. I had a notification on July 27 that a hard inquiry was pulled by Citicards. I contacted them and was told the representative should not have stated a soft inquiry. However, this was their error in misinforming me especially when I specifically asked the question. I am requesting the hard inquiry be changed to a soft increase and they agree to their word.

Someone is applying under my name and SS # for credit cards. Citi open Best Buy card which was charged as well and now they said I am being responsible. I was not even in town. I had warning on my credit report asking creditors to verify with me before issuing any credit and it was not even taken in consideration. Walmart discover and Target all received application at same time and only Discover called to verify. I am so upset and angry. Unbelievable. Do not know what to do. Disputed with credit bureau and they came back saying info is correct.

I had their card for over a year - always have been over paid on my payment. Then I send a good chunk to pay it down. I was in the middle of buying a house so my credit was being ran. Then shortly after I bought a new car. So in return my score dropped very little. I get a letter in the mail that they are cutting my limit down so now it shows my credit card maxed out. Which will even hurt your credit more for credit utilization. I still have good credit but now if I go to a bank or something it looks like I am using way too much credit.

I recently purchase a car stereo and registered for the Citi Price Rewind. The difference was $71.00 which I requested to be credited back to my account. But I got a letter telling me my purchase didn't qualify. Every time I use the rewind program they will find some reason not to pay me the difference. I am angry over this and I'm thinking of canceling my card.

I have had a Shell card for 31 years. All of a sudden I stopped getting online bills. I received no emails from them, they said they called me. Yeah they called everyday for months. Every time I called them back it said to put in my Citibank account number. I don't have any Citibank accounts. On the second month of phone messages everyday I finally kept pushing buttons until I got a person. They informed me my account for my Citi/Shell account was overdue. HUH? I never received a bill. I never received an email. I asked why they didn't send me my bill through email like they had been. They were going to reset my account so I could start getting my bills again. Never did. Still never received anything from them.

Home Depot card loyal customer for years. Missed a payment (Single disabled mom on disability). Paid minimum plus some to make up the late fee. Minimum payment raised. Couldn't make that increased amount payment so I just started paying whatever money I could raise. Late fees added to make my balance go over the limit and thus charged 29%. Citibank will not work with me other than turning me over to a help program. I am sure this will cause a mark against any credit score in the future. I have been through hell trying to start my life after my husband left and my illness progresses.

I noticed a few foreign transaction fees. I never use this card internationally so I went through all my purchases and found 4 charges in Canada (card swiped, not internet purchase). I was not in Canada, had been making purchases in NY and never used this card internationally so most credit card companies would have picked up on this. CitiCard did not pick up on it at all. After I alerted them, they reimbursed two charges but then said because there were so many charges, they had to investigate further and I had to call them.

Citi does not care anything about you. Loyal customer for years and was a day late on a payment (my mistake I know) and they increased my interest rate to 30%...I will never use them again.

This credit card doesn't show FTF online and it only posts them when monthly statement comes out. If you call customer service (CSR) they can provide this info. but it's not good enough as I have to file expense report with my company within 30 days and they need receipt of charges within that time frame. Other credit card companies will post FTF as soon as transaction details are completed. Brought this to Citibank CSR ** on 9/29/14 and again today with another CSR but of no point. CSR can see FTF at their end and were surprised end-user can't see that so Citibank online support was consulted but they don't take customer feedback seriously. Please help as FTF is common transaction for international travelers like me. Thank you!

My attorney contacted CITI card concerning a disputed item on my bill. They have added $20,000 interest to an original amount of $2700 of undelivered merchandise. Countless times they agreed to remove this from my credit report, but it still remains, causing serious damage to my credit report.

Just received a letter in the mail stating that one of my accounts with CitiBank had been closed. Called the 800 number to see what the possibilities were to get it re-opened. My account had been closed due to the length of time the card was "inactive". Personally I have multiple credit cards, in fact until about a half hour ago 2 of them were with Citi, so I kept both Citi cards for emergencies. The customer service rep told me that it was in fact possible to re-open the card. So we start that process, only for me to find out that they wanted to run my credit, again, before "re-opening" the card. To me, that sounds like you are opening a NEW card. When I advised her that I was not interested in having my credit run, due to the fact that I think it is an unnecessary run of my credit and would cause my score to go down due to the number of "hard inquiries" she informed me that there was no way around this procedure and it was the only way to "re-open" my card.

Things you hate to hear on a support call "Due to heavy call volume we have a longer wait time than usual," which means "We only have 2 people answering phones or we have a lot of people calling with problems." Don't want to deal with a company with a lot of problems. Sorry we don't do customer service, you see I am off on Sunday - had a computer issue with your website - ooops no Sunday service.. Keep up that great support. Lastly the times that I did get thru to support had extremely difficult time understanding agent. That interview must have been very interesting your comment ending the interview you would be great for this job. For this kind of service EXECS keep pulling in the BIG MONEY.

I am a Canadian citizen living in Mississauga and can be reached on **. I hold a reloadable prepaid card of the above organization. On 30th May, 2015 I had $905 dollars in my account when I tried to withdraw $900. The card was declined. As I had to pay a bill in cash, I frantically tried various amounts like 880, 800, 500 and 480 etc... All were declined. I decided to give it some time and repeated the same on 03rd June, 2015. The results were the same. Although I had funds, I was getting declined. I called card services to report my problem. The representative asked me what option I choose from chequing, savings and credit to withdraw funds from my prepaid card. She said the option I was choosing was wrong and was probably the reason for being declined. I tried different options with no success. I called card services again to report the matter. This Representative identified the problem as the daily limit on my card being $420.

Applied for an AA Citi card for 50,000 miles and was approved. Spent over the $3,000 within 3 months. When the miles aren't posted, I call and they tell me that I didn't qualify bc there is a new rule that if you receive miles within 1.5 yrs, you don't qualify. Never got a letter, email, or call letting me know. FALSE ADVERTISING!!

I recently went into Citibank to pay off my credit card $96.71. I really don't carry checks with me anymore so I made sure I had the cash. When my turn was up the teller ask how she could help me and I said bill payment and proceeded to hand her my bill stub and my cash. She said it required my Id. I thought a bit weird but okay. Then she said she would also need my social security number and my occupation. Now at this point I'm getting upset, my civil rights are being taken away and they won't take my payment. Mind you I have been a customer for 17 years with no late payments. What is happening to us?

Best Buy had some promotions regarding Sony 3D TV which I was interested around 2012/2013. Best Buy told me I was eligible for a credit card and I could buy the TV with no interest rate. I've been since paying monthly minimum payment usually 27th of every month. In 2014 my Best Buy credit card started applying late fee on my account. When I called best buy credit card they stated that the bank has been changed to CitiCard and due to which my monthly payment date has been changed with no prior notification. Well I continued with my online monthly payment with a balance rounding up to $1300.

They stop mailing statement without informing the consumer, so they can charge you bogus late fees. I have a very great credit score because I pay my bills and gets me upset when they tell me I'm late because I never received my statement to pay them. First I took their word for it but then it happened 2 more times. Citibank is a terrible non friendly bank and I will not only stop using them - I'm also going to STOP going to HOME DEPOT because of it. Lowe's is a much better company.

I recently settled my balance with Citi and the balance was paid. We were trying to sell our house and our mortgage lender requested a letter from Citi stating that the balance was settled. I called on April 10th, spoke to a rep that said she would get a letter out to me. I called back on April 21st when I hadn't received anything. I spoke to another representative that stated they are not allowed to send letters like that. I requested to speak to his manager, who agreed to send a letter. I asked if they could fax it and he stated he was unable to, but the letter would arrive in 7 to 10 business days.

Need a faster, easier user experience to find balance on card. I was unable to find balance by texting or looking on Citi site. What a waste of time! Argh.

I had a Citicard/Aadvantage card. There was a promotion wherein charging $600 to the card over a specified period would earn two day-passes to American Airline's Admiral Club. I made the required purchases and waited a couple of months to receive my passes. I contacted Citicard and the response was that I had not made the minimum purchases. I pointed out that it was not for the current promotion, but the previous promotion in July 2014. They promised to send the passes in 8-10 weeks.

I have a job with a government clearance and can lose it over negative credit reporting. I have had a Home Depot credit card for almost 10 years. The first thing I did when I got the card was set up my account online, and enrolled in AUTO PAY because I cannot afford to be reported as missing payments, nor can my household afford to be wasting money needed for my sick child's medical treatments on late fees. I always pay the balance off at the end of the month, and have never been late on a payment before. Nov 2014 I made an online purchase using the card out of convenience. Something happened and the Auto Pay on the account did not occur.

I have had an acct. with Citibank for years. Recently I fell ill and was 3 days late on a payment. They contacted me & I paid them on the spot. In the meantime they had sent me a balance transfer offer that I had used & mailed the check already to another creditor. I called Citibank the next day to pay my acct. in full before the balance transfer took place (I wanted to start the transferred amount with a zero balance on my card). All of this took place in a 3-day time span. When I called to pay my balance off they informed me that I only had an open credit of $1000.00! I was shocked, as I had much larger credit line and had already mailed the offer check out. When I asked why my limit had been lowered by thousand of dollars there was no real answer & I inquired about them covering the transfer check. I was told to call the company that I sent it to and ask them not to cash it! I was so upset and have never been treated like this before.

My father and I called their fraud department about unauthorized charges on his credit card and the lady by the name of ** was extremely rude and nasty to us as my father doesn't speak English and she was discriminating against him and didn't help and hanged up.

I had Citicards decades ago, was very unsatisfied, and in the past few years decided to give the Saudi-owned corporation another chance. Other than receiving promotional incentives it's been a failure. After EBAY had a gift card I purchased coded as a cash advance and Citi charged me fees and interest for it, a supervisor would not allow me to file an investigation because the gift card was received by the person it was given to as a present. My reason for wanting an investigation is based on the false advertising and incorrect coding, but Citi dropped the ball again and will not even try to get the issue resolved. Citi told me that I had to work out the problem with EBAY on my own. Hey Citi, "Adios, Sayonara, good riddance!!!

Well Citibank bought the best buy credit card accounts from Capital One, about or around the same time I had 15 different credit card accounts all with different due dates. I finally got smart and called each credit card co. and changed all my due dates to the 15 of the month, therefore I could pay each one thru my bill pay option on my checking account and not have to monitor when each card is due each month. All of my credit cards did exactly what I had requested, guess what... yep, except Best Buy Mastercard by Citibank.

We have been CitiGold customers for over 10 years and the bank leveraged our visits to sell citi Dividend card which we rarely use. We pay our bills on time via smartphone because we just transfer from our bank account. Once we looked through the account details because there was a charge soon after the payment was done. Upon looking deeper there were several charges and late fees so we first used chat to resolve the issue with no luck then we were asked to call in so we did, spent over an hour still they refused to revert even the most recent charge because there were more such charges but we saw it for the first time and they did not matter to them. In summary poor customer service so we pulled the card out of our wallet so we don't accidentally use it and get hit by several charges.

I booked a hotel room and the merchant charged my credit card twice for the stay. Citi Mastercard did not try to get the double charge back for me and although I called Citi multiple time and provided all the information they needed, they never followed through and now say it is too late to get the money back from the merchant. I have worked on this for months and will not pay for the charge twice.

I've been using a citi credit card for a few years now. I have had no issues with customer service or anything of that nature. However, I'm thinking of canceling the card due to their frequent website issues. It is nearly impossible to do anything other than log on. I can't activate my new card, change my contact preferences or change my password without getting some sort of error message due to a "high volume of traffic". This happens every single time I access the site no matter the day or time. It is extremely unacceptable and i don't have this issue with any other credit card company.