Citi Credit Cards Reviews

Citi Diamond Preffered Card - Absolutely Horrible. I have been a Citibank member for 8 years now. All was good with the card, but last year Citibank based on credit review of two other accounts which were closed a year ago, decided to reduce my credit limit. Reducing available credit limit in turn increases your credit utilisation and negatively impacts your credit History. It is a circular trap where they reviewed history of a defunct account and in turn decided how to make things more difficult for a long time customer. When I contacted Citibank, they were absolutely unwilling to help. I am going to clear this card and never do any business with citibank again. Absolutely horrible service provider. I will recommend everyone to stay away from citi.

In beginning of 2014 I applied for balance transfer on a credit card. 3 months later I moved addresses. I called Citibank to inform them of my new address details on 09/08/2014. I also asked the operator to link my 2 internet banking profiles into 1 and to reset it as it's been blocked. The banker said he has put escalation for profiles to take place, and confirmed he has updated my new contact details. 3 weeks later I called to inquire about internet banking, been advised still being investigated. Received a call 3 days later saying my credit card is overdue. I asked for my address details, which was not updated from time I first called.

I have been using Citi bank credit card for a year now and regret to say about the shabby piece of service Citibank offers. Unlike many other banks, they don't care to inform customers about a reach of deadline. Most of the times you experience their website is down. Why the hell in this world your website requires downtime for like more than thrice a week? To comment upon their user-interface experience, it’s pathetic. Their rewards on amount you spent is almost nothing. So very finicky about credit limits. Poor customer service. All in all a bad choice I made to rely on citi.

Last year, I contacted them to let them know I was traveling but did not want an auto pay to stop while I was gone. Apparently the moron typed in the wrong info, the card was reported as stolen that very call, my auto pays stopped and I was down one card while traveling. My boat storage place was confused and luckily cut me some slack, but Citibank did not help my credit. This year, same sort of thing, I called to report travel. They called a day or so later to confirm I had called. While on the trip the card was denied, and when I got home was a message to call them about fraud. The issue was they had not been able to reach me to confirm it was I who had reported travel. How disorganized and with stupid employees must one be to continually make the same stupid mistakes.

We have been customers with Sears CitiCard since 1994 & we missed ONE payment last month. When I checked my credit score, the late payment was on it! I called & closed our account asap. They kept trying to change our minds. No apologies and no loyalty to long term customers. Never again with vengeful greedy Citibank.

Citibank issued me a debit/credit card with an invalid cvc code. The credit feature on the card doesn't work. Every transaction I make at a retailer results in a decline notice. I've called citibank about this problem and all they do is issue me a new card. Each time I get a new card I get the same result. They have issued me 6 cards and all the cards have invalid cvc codes. They can not fix the cvc code problem they are having. I pay very high banking fees and use the credit feature to pay important bills. I'm constantly getting declined. I call customer service just to hear that the cvc code on my card does not match the cvc code that's in their system. They promise to send me a new card with a cvc code that corresponds with their system, but still no success.

I canceled the account but apparently I had a balance of $10 that I thought were taken care of when I cancelled the account. My mother died and I had to travel over 1k miles. Citi kept calling me on my cell phone even on Sundays with an automated service that didn't have an option to talk to a human being so I could take care of the matter and they just kept calling me.

I had recently been approved for a CitiCard offering a zero percent APR for balance Transfers. I was approved for $4K limit and transferred a few other higher APR cards to the account. After about 6 months and my paying down the card to approximately 50% of what I originally owed, I got a letter that they were lowering my credit limit to what I owed. By doing this without any warning or discussion, what I was trying to accomplish (increasing my FICO score) CitiCard blew for me in a key stroke. FICO score plummeted as relationship of credit owed to the limit on the card is a key component for a good score.

I settled my credit card debt with Citi on 12/29/2014. I clearly remember the representative telling me that I will receive a 1099 for the settlement. I called the "Recovery Department" 03/09/2015 and talked to a representative named **. She was very rude and did not answered my question. I asked if they can fax me the 1099 or send me the copy. Only thing she said was, "we don't know when we are going to send it to you. We have not mailed one out yet and I don't know if you are going to receive it or not." I asked for the reason and only thing she said was "there is no specific reason." When I asked to talk to the supervisor, she put me on hold for 2-3 minutes and came back and said, "you're account was closed 01/22/2015 and you will receive the 1099 next year for this year."

If you are not using Microsoft Internet Explorer don't even try using their website, it won't work. If you're used to being able to set email or text notifications (Online charge, Payment due, etc) you can't at Citi. So I don't own anything with Windows, I can't view statements, they won't mail them and even if I borrow a Windows machine I can't setup notifications to make me aware of anything. It says one star but it won't let you say zero stars.

I was hung up on by a Citicard customer service rep because she could not give me an answer to my question and found it to be easier to cut the line than to try to help me! My chief complaint was that I received a "pre-approved" letter in the mail, and after looking into in further decided to go ahead and take the offer. After applying online, the immediate decision was that I was denied. Later, I received a notice that my credit score had lost 8 points because of 2 hard inquiries on my report - BOTH from Citi! They hit my score twice in the same evening! 2 different inquiries minutes apart, 4 points each time. So, I VERY CALMLY called to ask why I received a "pre-approval" letter only to be denied and lose valuable points and the lady told me that the "pre-approval" was NOT meant to mean that I was pre-approved FOR a card, but that I was "pre-approved" to APPLY FOR ONE! Oh yes, she said THAT!

I have spoken with them on Four occasions and begged for a lower rate. My other banks helped. My BOA did a loan modification on my house. One bank wrote off my debt because of a failed business, for reasons beyond my control. I had major hardship with the care of my 99 yr. old mother and a son with health issues. If I sent $116 each mth, $60 would go toward interest. I have been a Sears customer for 40 years. Please let folks know abt. these people.

I recently got my ExxonMobile Card. Most companies give at least a 2-3 days grace period. Everyone who I pay bills do. Then, I am 2 days late for a payment. They charge me a 25.00 late fee. I was not made aware of this. I had to call and find out. The old saying of "Always read the fine print!" Why is this rule being applied to me when every other Payee grants me a grace period? I thank them very much for accepting me on their credit card plan. But to charge a person 25.00 for even being late just one day is like raising the monthly interest rate that is due with each monthly bill. Those types of business practices are wrong. I just say a 3 day grace period, not a gun held to my head that I pay exact day due.

I was late on a payment (in full) on charge account... Charged a late fee... Never received a bill for that month. Called and explained circumstances... Individual I talked to said 35 $ fee would be reversed. When next bill arrived... Fee had not been reversed. Called again... Individual checked and said fee would not be reversed now. I paid off the bill, in full, with the exception of the 35 $ fee... And wrote a letter asking to close my account due to this misrepresentation. Account was closed and letter sent that I still owed the fee. I have not and will not pay the fee. CitiCard has responded by adding late fees each month and finance fees...

I went to Best Buy in San Diego CA to purchase a new iPhone and computer. The sales rep offered a Best Buy credit card which I was approved for. I called the 800 number on the credit card pamphlet the following day and asked for my card to be sent to my PO Box rather than to my home address. The Citibank rep took my info and said it should arrive in about 7 days.

In August 2014, I ordered payment from my chase account to my relative's att universal card that has been serviced by citibank. Payment was mistakenly paid to my husband's citibank preferred dividend card. I double checked and I had an accurate payment order for my relative's att universal credit card. I called and spent so much time with customer service to get it resolved. It was cleared. My husband, who was disappointed with citibank's mistake ordered for closure of his citi preferred dividend card. Confirmation of closure dd. 8/28/14. Then on Oct. 27, 2014, I ordered another payment for my relative's credit card in the amount of $2.74. The payment, again, went into my husband's citicard (worse, this account had been closed in August). We found out that the payment went in his account because we got mail from Citibank indicating $2.74 credit.

I have had this credit card for one month. I use it to shop for my restaurant and I have had about 4 declined transactions so far. The reason is that they put a hold on my payments that last for about a week in which period, you can't use the credit card. The payments are electronic and they subtract them from my banking account in 24 hours. Customer service is horrendous. In one instance I had to hang up because they transferred me and put me on hold forever. This is not a customer service oriented company. You can do without it.

The plasma donation center I participate with uses Citi Prepaid Services for donor payments. I typically carry a balance of around $30 on the card, using it for groceries or dining out on occasion. I tried to purchase a sandwich at a Subway kiosk in a Loaf 'N Jug convenience store. My card had a balance of $35 and the sandwich was $7.94. The card was declined and the clerk tried to swipe it again. Again it was declined. I paid for the sandwich with my checking debit card and went on my way. Four days later, I checked my Citi Prepaid Services account to find they had charged my card $0.75 for each time the clerk tried to swipe my card.

I'm angry, but I'm going to say I'm just "Dissatisfied" because I've been a long-time CitiBank customer and up until this time, I've had wonderful experiences with them. (American Express is still hands down the best customer service around, but I digress.) I attempted to buy tickets recently via Ticketmaster (never again) to a show. Citi Bank immediately threw up a fraud alert because the website claimed my CVV number was wrong, even though I was looking right at my current, up to date card. I thought I put the address in wrong, but apparently not. Now I have six, yes, SIX pending charges on my Citi Card for over $800.00.

They do not tell you about the hidden fees. It costs more money to use it than what it's worth. We have this at our plasma center and it's horrible. We don't get the amount we're supposed to everytime. This card needs to be shut down. It's a scam. A lot of times they double charge you when you order online and it takes days for charges to drop off especially when you need your money. They don't care.

Although I give Citi a lot of thanks for being the first issuer ever to extend me a credit card to help me build my credit history, the actions they decided to take against me have been utterly appalling. I applied for a Home Depot store card backed the issuer and was approved and then the next day, Citi decided to close all the accounts I had with them, including my well over a year old Forward card and a Best Buy card that I had been approved for earlier in the month. Their customer service is absolutely abysmal especially considering that Citi is one of the prime lenders out there and they've also been very unhelpful in helping me trying to get these accounts reopened. I'm even contemplating taking this matter up to their executive office in the hopes that something can be done to rectify the situation but I'm not too confident about that either.

Due to a "misunderstanding" my account was closed and a new one was opened without my permission. I now have no access to my webportal to make payments and view statements and will never get that back unless I let them issue me a new card which I do not want. On top of that I had automatic payments setup with my bank and had I not caught this eventually the payments would not have gone through and I would have gotten charged late fees and taken credit hits. It's very simple, I didn't want my card to be used for any transactions but wanted to keep my account open. Now I'm stuck with a new account I have no access to and they cannot help me. I NOR MY FAMILY WILL EVER BE DOING BUSINESS WITH THEM AGAIN! Spoke with Jake the Customer Service Manager.

If you have Citi, I highly advise dropping them ASAP. Friday at 10 pm, last week (January 9), I tried making a purchase with my TOTALLY RELIABLE Citi prepaid card (my plasma donor card) of only a few dollars (6 or so) at walmart. I was surprised when the transaction was declined. Because I knew I had at least $20 on the card, so I knew something was wrong. In the way to my car, I texted the automated service for my balance and was greeted with what I already knew "your card ending in ** has a total of USD22.45" (or something of that nature- AT LEAST $20, basically).

I closed Citicard because I was not able to use it outside USA. The security level was set super high so no transactions went through, even though I set travel notifications clearly. I closed the card in September 2014. Several months later I found (Jan 2015) that I have a balance and interest was charged. The balance was because Foreign transaction fee arrived 2 weeks after I closed the credit card. That is understandable. But why Citi did not email me alert that I set up on my account or mail or any other way. It silently charges me fee month after month without letting me know. I accidentally found out by logging in to a closed account. Shame on the service. Never do business with Citi again.

I have a Citicard. I scheduled reoccurring payments with Citibank, Citibank changed them. No consent was given to change it. Kinda seems illegal. I calculated the difference in interest and there was a specific dollar amount. If this occurs with all cardholders, it's in the millions of dollars in interest. Does this seem illegal? I think it's theft.

I just received a letter from Citi which said I was pre-selected customer and asked me to apply for the credit card. When I finished my application, Citi rejected me.

I have a Home Depot/Citi credit card account but not for long. On Monday, I'm closing all credit cards that have Citibank as an issuer. I pay my bills at Home Depot, in full, each month. As soon as the bill comes in, it's paid in full! This month, I got a bill with a $25.00 fee and a $9.62 interest charge. The problem is that I never received a bill for the month of November and didn't realize that the bill never came in. I called Citibank customer service twice. The first guy's computer went down as soon as I said hello, my account number is... He put me on hold to transfer me to someone else. But I got dropped and had to call again!

Taking a trip on American Airlines in February. Was emailed on offer for a Citibank AAdvantage card that would give me and 4 companions first bag checked for free and no fee for the first year, so, why not? I applied online and to my surprise, was denied credit. I had just recently checked my FICO score and knew my score was 800+, so I could not figure out why I would be denied. Instead of waiting for my adverse action letter, I called Citi. After getting to a supervisor, I was told my Equifax credit report showed I had a monthly payment loan with a local bank in excess of $16,000 monthly. I laughed and told them that this was a single payment note loan, and furthermore, the balance was now under $8,000 and no monthly payments are due. I urged him to call the bank and verify this. He said he could not do that and this $16,000 monthly payment my debt ratio too high and there was nothing he could do. He told me to order my Equifax report and straighten out the information before reapplying.

Requested a 300.00 credit line increase, was denied so I called and they said it is based on my credit report. I told them I have no nets and a score of over 700 and they said it is done by computer and call the number in the morning. Saw my lawyer in am and pulled all three reports and he said he wanted to contact the NYS Atty. Gen about this. I call the number and they refused to talk to me about it since I spoke to a lawyer. Well citi bank, you're getting sued for discrimination for this when you could have just been honest and given the increase. Now home depot loses business.

I have had a Best Buy (issued by CitiBank) card for about 13 years. It was originally opened as a joint account between me and my now ex-wife. I called after our divorce to have my ex-wife removed and was told she would be. I recently received cards for me and my ex-wife. I called questioning that and they said they were sorry and would remove her. At that time I had them add my new wife on the account. A while later I received new cards for me, my wife, and my ex-wife. This happened to be right before my ex-wife passed away. So I eventually called them and asked why she was still on the account and that she had actually passed away since then. They said it was a joint account so they normally wouldn’t be able to remove her but considering she passed away they could remove her as deceased. A few days later, my wife went to pay the bill through Quicken and was getting login errors. We eventually found out that the person that made the change removed me as being deceased, wiping out all of my information as the primary card holder and removing me from the account altogether and making my ex-wife (who is deceased) the primary card holder, with my new wife as an authorized buyer.

Just got off the phone with a completely unhelpful person about the fact that CitiCard approved an $11,400 credit card application using my SSN for a name, address, birth date, that wasn't even close to mine. This was approved in October and in November, the fraudster charged $11,204 of charges. Sweet! I have now spent 30 waking hours minimum calling all the credit monitoring services, the federal trade commission, the police department in my local community, initiating 90 fraud alert notices on each of the credit monitoring services, signing up for LifeLock and now paying $30 a month because I can't know whether CitiCard will approve any others with this fictitious information.

Contacted Citi regarding my mother's credit card and recent diagnosis of Dementia. I explained to the representative that my mother has been making her payments on time for years and due to her payments recently being 1 missed payment and the others her paying $100.00 monthly as she had agreed with a representative months ago and Citi stating she is over 60 days delinquent and that her payments are higher due to the APR rising because she's not paying enough.

I have a card that is currently on a debt payment program and its the last account on program. One day I call and they say I can keep the program rate, pay them directly and that they would send forms for direct payments. I call following up and they deny they agreed to it and basically hung up. If they allow me to pay them directly they would get an additional $50 a month from me. Payments have always been on time and for higher amounts than program requires. Once this is paid I will never have anything to do with them.

Have had nothing but problems over the years with Citi Sears Card, but today after six times of being transfer then hung up on each time recalling then going through a verifying process only to hear that yes the card will work but only if I swiped and that the expiration date on the card is not right. So we can't use it to pay the internet charges we wanted to use for both a vender and National Interstate Insurance. Finally we paid the card in full and cancel it, the company will be only one more nail in coffin that will end Sears, sorry to see it happen. At no time does anyone offer a supervisor or a way that we can resolve the problem. Always paid more than the min payment but outsourcing is just that. Hopefully not too many lost point on credit report for dumping a crappy card like Citi Corp Sears.

They make it nearly impossible to make a payment, and it almost seems like they try to keep it a secret from you when you have a balance due. They charge me a $15 late fee every single month. They don't send me any statements or e-mails or anything of the like even letting me know that I have a balance. 9 out of 10 times I log on to the website and it is "under maintenance". When I go to pay my bill the day that it is due, their website is conveniently down or I receive some kind of error message for trying to make a payment. I try to send a message to customer service. I type a long descriptive message about the errors that are occurring, and when I click send, oh it's mysteriously gone and it reloads the page asking me to write a message. Next I look at my online statement, and can't even find a phone number to pay the dang bill, so I call their customer service line. For once someone that speaks English answers, but what do you know? They are experiencing issues and tell me to call back in 3 to 4 hours! In other words I am going to have another $15 late charge because they make it literally impossible to make a payment on time! SO frustrating!!

I work for Home Depot and my payroll is put on a CitiCard. I paid my electric bill and Citi took 2 identical payments out my account for the same company 10/20/14 at 1:40 pm even though the Electric Company was only paid once and I only authorized one payment. When I called it to their attention, they REFUSED to restore the money. The Electric Company tried to call them directly to get it corrected and was hung up on multiple times today. The next day after I had made the payment, I had paid my phone bill and today looking at my account statement, it showed they (Citi prepaid Card) tried to take two payments again, but because they stole too much money from my account with my electric bill, there was not enough money to steal a phone bill payment amount also. Please warn anyone you know NOT to signup for the Citi prepaid card for the payroll.

I didn't receive my bills for a couple months, made payments anyway w/o realizing one late fee turned into multiple late fees despite paying on time. Called when I got a notice, was told if I paid a certain amount, they'd adjust the late fees since I had a good history. I paid what they told me to that day, they didn't credit me ANYTHING and charged me ANOTHER late fee, refused to adjust it unless I paid the full min which was only inflated from them not adjusting the previous ones and charging me yet another! Then said they could only credit me one fee & it'd be the new one that I shouldn't have gotten in the 1st place & only if I paid the inflated min now. Told me the same thing last month, I fell for it, paid the amount they demanded on time & they did NOT credit me the late fees as promised, not only did they remain but they charged me another one with the only excuse that they didn't know why THEIR rep gave me false info.

We drive from Illinois to Colorado several times a year. Yesterday, 10/18/14, for the first time, our card was shut down when we bought gasoline in Nebraska. We managed to get it restored fairly quickly. What's up with that? Do we have to notify CitiCard every time we travel more than 500 miles? Seems a little extreme to me.

I have been using Citi Simplicity, Dividend credit cards for the last 10 years!! Just a few days back when I looked, I could get my cashback above $20. And now I can't deposit anything below $50! I have $25 and $35 locked in 2 of my credit card accounts and can't get it. Pisses me off esp. because I thought I was smart to use Citi credit cards. I don't treat cashback as a reward but as money earned! There are several other credit cards I already have but don't use that offer equal or greater cashback without ___gimmicks___. I will switch to one of them and writing about my bad experience to let others know. Readers should know about this dirty business practice of Citi. I contacted their customer service and was told that I can close my card anytime. As for the $60 cashback I have, I'm not going to get it!

In July of 2004 I had a small 401 acc. that got put in Millennium Trust Company in Oak Brook, IL. The service fees were ridiculous and about to eat up what little was left. So I requested a pay out. Amount of the acc. was a little over 200 dollars and after taxes and a pay out fee of 25.00 it left 186.49. Then Millennium issued a prepaid visa card in the amount of 168.00 through CITI card. Now I wonder if the tables were turned and I owed them 168.49 if they would be happy with me sending them 168.00 on a prepaid card. To top this off it's supposed to be a no expenses card but in a month I have not been able to get a dime off this card. Yet every time I try it charges .75 cents to the card and declines the transaction.

I am hopeful my phone conversations for quality assurance were recorded. What started with questions on how to make a payment that would be the fastest. Automated phone call AT&T Universal card. Other than payment by mail, I was told would be processed (automated or CSR) and credited within 2 business days. Sep. 5, 14 call automated number & $2011.95.. Was given confirm number, Had previous record of payment by mail and personal banking info was given.

I thought when you made an online purchase with a Visa Card you had some degree of protection, but apparently I was wrong. I made a purchase from an online site. The merchandise was advertised as new, but what I received was used and incomplete. The seller would not respond. I called Citibank for help. They seemed helpful at first, but soon took the side of the merchant. Now I have useless merchandise and am out my money and no one will hear my complaint.

Won't print more on top. Citi hangs on to the check, even if you mail it in 5 to ten days early and if the due date falls on a Saturday, they will charge you 35 dollars late fee and they are in possession of the check and have electronic withdrawal.

I received a prepaid credit card for $120 from Citi from the purchase of tires. I cannot get the card to work anywhere, including hand entering the number. I did activate the card when I received it and received a PIN number when I did. I called customer service on the back of the card and explained my problem. The gal on the other end could barely speak English, so I asked where she was located. Turns out she was in Manila. She kept putting me on hold, then would come back on the line and ask me how she could help me. This went on for over an hour. She would ask me my address over and over again. I bet I gave it to her twenty times if I gave it to her once!

Their current point system is unappealing & very restrictive. I don't understand why can't I just use my reward that I've earned for a straightforward redeem towards things? Instead Citicard is forcing me to make a purchase & can only get a discount with my points. I want to expose this practice & report to everyone so that it's known that Citicard does this unfair type of point system. This isn't a true reward, it's a deceptive business practice of Citicards.

Conspiracy Theory? ... and I'm only half joking! Have had Citi Professional card since 2006. Always on time, until January of 2011. Got diagnosed with cancer and kinda dropped the ball on my bill paying duties...i.e., slipped my mind! All January ,"Citigroup" is showing up on my caller ID, but no messages are left and when I answer and say, "Hello", there's no response. I figure it's telemarketing aimed getting me to take advantage on yet another of their fine offers...especially as they're also emailing me offers and snail mailing offers...

I have two Citi cards, one for Best Buy and one for Home Depot. I got the Best Buy card first, and right off had an extremely difficult time logging in (after I'd created an account) to pay the card. I had to call tech support two times, and then finally succeeded in logging on. I can logon now but I have to go thru all kinds of twists and turns and convolutions to finally get logged on. But at least I can now logon.

I got mixed up with Citibank five years ago when I applied for a card with Sears. I do remember being leery of it once I found out it was with them. Despite not being fond of them, I've had no problem until recently when I contacted customer service to get my payment date changed. On top of my other bills, a payment to them yet, too, punished me financially, so I called them two days before the due date to get it switched. The rep said I could do it and I would safely be able to pay a week later. Seven days later when I logged on to make my payment, I discovered I'd been charged a late fee, much to my dismay. Once again I had to call to find out why I was charged when I'd been told I could pay after the original due date? The rep placed me on hold so she could speak with her supervisor about getting the late fee reversed, which they could do since they'd seen that I'd called in on the 10th for switching dates and was OK'd.

I have had a credit card with Citi for the past two years. I have had nothing but problems since. Firstly, I have had an alert on my online account about a new card arriving. The card has been activated for two years and the alert has still not gone away (just one of the many indications that this institution is, to put it nicely, CRAP). Secondly, I have never been able to pay my bill online. IT IS 2014. THIS SHOULD NOT BE AN ISSUE. And it isn't human error. I am a 23-year-old and I pay literally every other bill I have online. I talked to multiple customer service agents about this and it was never resolved. Lovely.

I make a purchase on eBay using my Citibank account for an amount of $214.00 on May 20, 2014; however, the item in which I purchase was never delivered to me. I made contact with my bank which is Citibank and they refused to open a claim and assist me with that matter. I believe that as a customer with Citibank and I have a legitimate claim, Citibank should open and investigation and ask eBay the honor their policy and refund their customer for not getting the item in which the customer purchased. Instead, Citibank refused to assist. I am asking you to request that Citibank follow the law and comply with the Federal Trade Commission Consumer and the Anti-Trust Division of the Justice Department and comply.

Most companies who deal with military members will show leniency when it comes to errors relating to military reasons. Apparently Citibank isn't one of them. The government card was used for military travel (training) by my husband. Due to some errors with it being paid by the military, we ended up stuck with the bill and Citibank would not hold the account until everything was straightened out. He explained the details to them and were well aware the bill would be paid in full within a reasonable amount of time by the military. Instead my husband was told he had to pay the bill or have it be sent to collections. On top of this they are also charging monthly fees on top of the monthly payments being made. We were considering getting a personal card but after this I will never consider that as an option.

Citibank mistakenly cashed my $256.81 check payment for $2,568.10. This debit cleaned out my checking account and resulted in the assessment of late fees totaling $140. The bank has reluctantly reimbursed me for most the INSF fees but I have no recourse for the checks that were returned which incurred late fees as well. After the error, Citibank lowered my credit limit then after realizing the error, posted the difference as a purchase on my account. My next payment due is now $2400. When I demanded this be fixed, the supervisor said we will submit to try and raise your credit limit. This was denied. There are watchdogs and limitations in every industry but this one. Why are these criminals allowed to get away with the arbitrary assessment of fees and predatory interest rates?

The Citibank website is frequently down. I have had to call them at least 6 out of the past 12 months, because I was unable to pay online after trying to login day after day with no success. Despite their website being down, I was of course charged late fees, which they said they would remove but did not. My biggest complaint against Citicards is the fact that my APR was raised 10% the day that I started graduate school in 2003. I was not notified that this was going to occur. When I contacted the company to ask why, they gave me the runaround, then finally admitted that as a new student, I was now a "financial risk." So the increase in APR was based SOLELY on the fact that I was now a student again, and this raise in APR made it impossible for me to pay the card off while in grad school. That seems like great logic right? Well it is for Citibank.

I just got a notice that my credit card is being cancelled and that this will take effect June 10, 2014. I was already sent a new card. The person I spoke with - Bill - said that there has been another SECURITY BREACH - at a merchant - but he would not disclose the merchant's name or the magnitude of the breach. He told me I don't need to know! Then he told me he didn't know. Anyway - want to see if anyone else has gotten a similar notice. Seems like they are trying to keep this one under wraps. Wondering if at Target again.

I have 5 credit cards, made payments on time always. Then, without notice, while I'm traveling, they shut my cards down and said to fax my concerns in writing. Then, they would respond in 7-14 days. I tried to talk to supervisors, but they told me the same thing. Branch manager was ineffective, even though I have had 4 checking accounts and 5 cards for 26 years. Finally, their verdict? You use and pay down your cards too much.

Two years ago, after Citibank issue the new credit card to me, Citibank ask me to destroy this old card. At that time, my balance is zero. After two years, Citibank suddenly tell me I owe the money at that cancelled credit card, so I ask Citibank to send me the details for the payment. I received Citibank statement detail and found all the charges are the late fee and interest, there is no any penny my spend. Of course I do not like to pay the suddenly come out the charge. I contact Citibank so many times via phone and mail, but Citibank insist on that charge, and go to collection it. What I can do? Citibank never listen.

I received a call from Citi saying that my account was past due. I could not believe it as I always pay on time. I called Home Depot/Citi. It turns out that they charged me $14.35 in interest. It was not supposed to accumulate interest as it was a six mo. no interest purchase. Apparently they did not apply the promotion. Basically they said I should have called earlier. I paid the card off in two months but they had added the interest. I did not catch it so it showed late. They showed me late for the 12.31 cent balance. Reported on my credit. Refused to correct it. I closed my account but the damage is done.

Last month CitiCard sent my bill as usual. I decided to pay off the full balance prior to the due date. Today, I get the bill thinking there will be a zero balance. I was surprised to see it showed that even though I have a Zero Balance. They still charge interest on Zero. I called them to ask about this. They said even though I paid the full amount due prior to the due date, I had to pay more interest that was not listed in the full balance due. It was not a fee. It was interest.

Had dental work done in late fall 2013. Applied for interest free credit with Citi Health card. Dentist office made mistake and put me down for 24mo payment plan with 15.99 interest rate. Dentist office contacted Citi health credit and they told dentist to resubmit the bill. 12/30/13 statement was for interest free until 1/15. Citihealth continued charging me under the 24mo plan and charging interest. Round and round we went. Person I spoke with first said they do not have computer access to my statements therefore she could not see the 12/30/13 interest free until 1/2015 on my statement. She got her supervisor who said she could see the statement, but underneath that line the 24mo plan was also showing up. The 24 mo plan with interest had a transaction date of 10/13 while the no interest plan had a trans date of 12/30/13. Anyone else would have read that the 12/30/13 trans cancelled out the 10/13 trans date.

I received a call today again from phone number 18007331116 only to get into a conversation that was very unhealthy for my chronic illness and situation. I have been a loyal customer and paid my payments on time. I have always paid my more than the minimum amount due. I have been out of work since May 2013 and recently (Feb. 2014) I have not been able to make my full payments. I have been send $20 payment on the account. This falls below the minimum due. I get calls weekly explaining the my chronic illness- Brain surgery x 2,Stroke x 2, Chairi Malformation (brain is permanently in my spinal cord), high anxiety and depression- on lots meds. for this to keep my BP down so I don't have another stroke.

So was trying to get some finances under order and wrote to Citicards to see if they can help me lower the interest rate. They said they wouldn't do it. I said fine, close the account. Lo and behold they took it upon themselves to withdrawal 350.00 out of my checking account without my permission and did it twice on top of that. So after writing the company they said it is what it is. So I had to close and reopen a checking account. And after talking with the bank they said don't give anyone especially credit card companies your account because they find ways to get into your account around the laws. So I contacted Citicards to say I need the full account number, it isn't on my statement and I no longer have the card to set it up within my own bank to have them pay it. They said they would not provide me this, via email, phone or mail and that I had to make the payment over the phone. Are they crazy, so they can do it again to me?? I told them I will not be paying them their way, I need the account number (the full account number, only have the last 4 digits) so I can pay them my way this time. Cold day in hell if they think they will fall for their game again.

Citibank was charging me 21.99% on part of my balance, and applying most of my payments to the lower interest rate balance. So I looked up how credit card companies are required to apply payments. According to what I read, the President signed into law in 2009 that any payment over the minimum payment must be applied to the higher interest rate balance. I took out a loan from my 401K in order to pay off the higher rate balance. The alternative is going bankrupt! Needless to say that they did not apply the payment to the balance with the 21.99% interest rate. So I asked them to correct the payment and close my account. They did neither! The reason I am writing this is that if they did this to me, then I am sure that they have done this to others! I sent them a message yesterday saying that I am complaining and looking for a class action law suit.

Yesterday I started doing some change of addresses for credit cards as we are in the process of moving from one home to another. I called Citi who had a recording going through every option known to man. I got to the part where I could change my address and they said goodbye and hung up on me. After about 20 minutes of dealing with all their stupid unrelated recordings, I thought maybe I should go online which I tried to do. They asked two security questions which I answered correctly and they said the information did not match and my card was made so I can't use it until I call and they gave me a number. I got the same recording as before with the same results. I hit zero hoping to get a real person and still nothing but their hanging up on me. So looks as if we will be closing out all three of our Citi cards but they make it next to impossible to even close the account.

Citi seems to use a group of totally uninterested individuals to manage their fraud alerts. In the past three months they have put holds on the card over routine charges many times at the same places we regularly make purchases. When you call you are shunted off to some very nice people in Southeast Asia who are Totally Unempowered to do anything to resolve any issues. Today we got a text demanding that we respond to charges over a three week period or our card would again be put on hold. Several of the routine fuel charges during a trip were already answered in previous holds. It seems impossible to talk to anyone here in the US who can stop the harassment as each time you call you are sent to Southeast Asia. We have sent various e-mails to them but have not once received a reply. This is not a card we would recommend to anyone. That would seem obvious from the number of terrible reviews here. Wish there was a way to make these what comes up whenever someone tries to apply for this horrible card.

I've been with Citicards such a long time back when I was in college. Then they switched me to another reward card (2005). I like the service, but couple years, I found that their service isn't nice anymore. The main complaint is always speak with someone who is outside of the US. To be honest, sometimes it's hard to understand. Then, they couldn't help anything, but very rude, wasn't nice. I'm so disappointed. Why did I call? I called to ask about my statement hasn't received. They charged me the fee... I didn't receive any statement in the mail. I went to the post office to complain about missing mails. They can't do anything. Then I called Citicards to hope they can waive the late fee, but they didn't do as supposed to... Finally, I asked to speak with a manager, she took care with a very bad attitude. I'm again, so disappointed in their services. I'm thinking to closing my credit card. I can't handle the ugly attitude they gave to the customers. Not happy at all.

While checking my account activity, I noticed minimum interest charge of $0.50 on my Citicard account. I called customer service representative, who couldn't give me an explanation so she transferred the call to an account manager, who took it off my account. When I questioned about why this interest showed up on my account, she did not have an explanation either. To make things worse, she made a comment that I wasted so much time on the phone for a "lousy 50 cents", which obviously did not make happy. Now, this is not the first time a charge like this showed up on my account. Just like most other people, I did not call them for the 50 cents, but to question this illegal practice of adding 50 cents here and 50 cents there to the accounts of unsuspecting customers.

I have had several instances of questionable charges by Citibank this year. A charge for a cash advance and finance charge after using a Citibank credit card (not a debit card) to pay for an eBay purchase by PayPal. PayPal says they authorized a credit purchase but Citibank made it a cash advance. Neither PayPal nor the merchant could or would have the ability to make this a cash advance. It was tough to get the charges reversed and Citibank representatives would not acknowledge an error on their part. A payment in full mailed two weeks before the due date incurred a late charge and finance fees. An online payment in full six days before the due date was posted 1 day after the due date and incurred finance and late charges. These may be random events but suspect that Citibank may have processes in play that maximize revenue at the expense of those not carefully scrutinizing their statements.

I've recently experienced a life changing medical condition. My income has gone from $6000/mo. to less than $1400. My medical bills/medication costs plus simply food and rent use every penny of that amount. I've lost my home, my truck, my jewelry, everything I can sell has been sold to pay for my health costs. Something that should not happen in this country. Until two years ago, I've always paid my accounts in full each month and was never late. Due to my health situation and lack of insurance (divorce/disabled), I was forced to put my medical bills on a credit card or they would not admit me for treatment (Another slap in the face for someone who has worked as an RN for years and has always had a job since the age of 12).

I have been with Citicards for 12 years!! Back in 2009, I had some financial trouble and was late on a couple payments. My interest rate was increased to 29.99%, and CITI said they reviewed and increased most accounts. Fair enough. However, I have not had a late payment in over 3 years, I paid down the card, and have paid more than the minimum balance, and nowhere near the maximum credit line. I currently have a +750 credit score, good debt to income ratio, and I receive prime + interest rates on my other AMEX card. I called CITI and even with a supervisor, no one can tell me why. The supervisor said, "I don't even know what department makes this decision" when I asked who reviews this and what can be done to look in depth at my history and account.

My credit card was automatically blocked due to unauthorized charges. No alert received or phone calls received that this occurred. I set up a payment for automatic transfer using Citicard. I was penalized by the merchant since the payment didn't go through on scheduled date. Called Citicard if they can send a letter to let the merchant know that this happened so they can waive the penalty. Customer rep said she was going to take care of it. Called again on Sept. 10, 2013, the customer rep claimed that it was faxed but she will/can send another one. Called again Oct., was transferred to the Mgr. Mgr claimed there was a letter sent out just few days prior to my call. I had to tell him again why I needed the letter. He was going to check if there was a letter of some sort, came back on the phone and told me that there is no such letter that he can fill out. I asked if he could send an email just to let the merchant know what happened but he couldn't do it. I didn't give them permission to automatically block my credit card, at least none that I can remember. Very poor customer service. Told to discontinue my account. Very poor customer service.

Was denied payment for an international transaction for a travel package to Columbia. No reason given and denied that the denial even happened. After a week of trying to resolve the issue (I wanted the AA frequent flyer miles) and after believing that it was the vendor's fault, I used another credit card (another MASTERCARD, no less). The transaction was approved. Despite their denials and deflecting of blame to the vendor, this was proof that the problem was on the CitiCard end. I would hate to think what would have happened if we went to Columbia, tried to use the card and got into trouble. The ** that CitiCards calls "Customer Service" would probably compounded the problem. I've been a loyal customer for 18 years, have never missed a payment, and charged an average of $2-3,000 a month over that time. Think of that in terms of merchant charges. All Gone.... I cancelled my account today.

I use Kayak for finding fares. The best flight I had was with American Airlines. At the website, there is a huge promotion for CitiCards and American Advantage. They say they give you back 100 dollars and the first bag checked is free. Roughly a 125 dollar savings. The implication is to buy the ticket with this card, and you will get 125 dollars back. But the card has a 95-dollar a year fee. There goes the 100 dollars, which means there is zero dollar advantage for this card. And the baggage fee does not apply to the flight you are purchasing at the moment, it is for something in the future. The final thing is that there is no way of contacting anyone, no email, no phone number just an address. Unbelievable.

My father held a MasterCard account with Citibank. He passed away in June and my sister contacted the company to inform them of his death a week later. We have been dealing with probate and informed the company that as soon as paperwork cleared, we would pay the balance. We were told there would be no interest of fees from the time of his passing. We were harassed by the company with many phone calls. After informing each caller of the information on my dad's death the caller would say, "We are sorry to hear of his passing. I have put the information in the computer. We will not bother you with this again." Two hours later, there would be another call. And another. And another.

I'm a consumer that has been doing business with Good Year and has one of their credit cards which is managed by Citibank, these employees working there are the most stupid people that forget how they get a salary to be given to them. I had a talk with one of their supervisors today 9-2-13, after noticing that my credit limit was reduced due to not using for a while. I believe that banks forget how they stay in business with our darn money we work so hard every day to make which now these days aren't much to survive on.

I have been a Citi customer for over 7 years. I missed my payment this month by DAYS and they closed my account. I did not receive any notice or warning. In fact, the only way I knew that the account was closed was because I couldn't access my online account. I am VERY disappointed with the way this business was handled and the lack of notice and patience that I received as a (not so valued) customer.

I wish I could give them negative a thousand zero stars. Like, you know what the temperature is on Neptune at night? That's how many stars they deserve. This company is run by very good scammers, I will give them that. To make my headache-ridden, almost unbelievable story of how they scammed me short, I will give you insight into your likely future scenarios at Citibank:

I just had an online conversation to get my extremely high interest rate of 22.99% reduced. Stay away from Citibank as far as you can. If you carry a balance on your card even when you pay as required and more they are not willing to reduce your interest rate from this unethical 22.99%.

I have one credit card through Citi. I have never been late on a single payment, and I always pay over the minimum amount. I do not have my account set up for auto deductions. Citi has arbitrarily taken a total of 5 unauthorized payments out of the incorrect account over the course of the last 3 months. I REMOVED the account that they had been taking payments out of, and to my surprise, ANOTHER payment that I did not authorize has been taken out of my account today. I have called the dispute resolution department every time that this had happened, and no one can seem to tell me exactly why this continues to happen. I have faxed banking documentation TWICE without anyone contacting me back.

My truck and U-Haul trailer were stolen as I moved from one state to another. I ended up with nothing, and I'm now living in a motel with no car and no job. I'm trying to get an apartment and need to buy some decent clothes to go looking for a job, since all I have left is a pair of jeans, five t-shirts, and undergarments. I have a monthly arrangement with Citi, but I truly cannot afford the amount this month. I called and spoke to a supervisor, but Citi CANNOT/WILL NOT/REFUSED to lower my payment (or give me a break) for ONE month, or give me a different arrangement, or even guarantee that if I don't pay the amount due now, that I will continue with the plan, which has a lower APR, although I have had a Citi for years and have paid them every month.

Their website, since the redesign months ago, has become completely useless and unusable. Click any useful link and it would take you to a dead page. It's hard to imagine how such a big company can do such a ** job on their web front and doesn't seem to care. ** must have filled their executives and IT heads.

I had a payment plan with CitiCorp. They didn't collect a payment because of their own incompetence and phony accounting. They ended the plan. They had me make payments and kept the interest at 5 percent. Out of the blue, they changed me at 25 percent for no reason. I refused to pay until they straightened it out. Fifty harassment calls later, they still will not straighten out the bill.

I got a special offer through email in January to sign up for a 5% cash bonus on a purchase of certain categories in Q1 of 2013. I bought a $200 Google tablet and other stuff, and I’m expecting a $25 cash reward. I didn't see it in the second month. I called and was told that it’s not posted yet. I called after the quarter and told the representative that there should be a $25 cash back. Then, I was told it will post next month. I further confirmed the amount, and it turned out that she only saw $5 in cash, but tried to be vague for me to continue waiting for my cash back that doesn't exist. The reason is that I bought the tablet at Office Depot, which was not classified as an electronic store! I took advantage of both Chase and Discover's 5% offer, but never had any problem. Citicard is deceptive on how they give their customer’s benefits. Consumers beware!

I had applied for a secure credit card in 01/2013. I called back due to the fact that I never received a response from Citibank. Apparently, they claim there was no apartment number on the application. A few months later which is today, 5/3/2013, I called again and now they claim there were two applications when I applied only for one and there is no amount so I have to reapply for another card. My total wait has been five months and if I didn't call, I would have still been waiting for a response. This is very unprofessional!

I have had two accounts with Citibank, one for 13 years and another for 9 years. I went through a period of being unemployed for 6 months and then when I began work, it was only $9.00, not enough to catch up. Citibank closed one of my accounts in 2012 stating I had 2 indiscretions in 8 years (for bounced checks which did eventually clear) without my consent, a letter or a phone call and when I asked them to re-open it, I had to go through a question and answer process. This week, the other card closed without my consent, letter or call. I received a notice stating it may go to a collection agency within a certain number of days.

I am closing my Citigold relationship with Citi, having just learned that Citi removed 56,401 ThankYou points from my account without notifying or telling me. I check the site regularly. There is a notification of points "Expiring (within 90 days)". It has always been 0. Yet I am told by "Wanda" that because I closed one (of my seven) credit card account (a Premier MasteCard, of which I already had one) and did not use the points within 30 days of closing, they were confiscated and there is nothing I can do.

We did not use our card and asked for it to be closed last year. This year Citibank called every day for 3 months and we finally called the customer service department to complain. They said we had to pay $85 for a fee. For what since it was closed last year after non-use? They did not have it closed. Again we closed it today, 4/20/2013, but this time we asked for confirmation sent to our home in PA to confirm they did what we asked. What a rip-off since they never sent a card, and yet they were charging a Citibank renewal fee. Horrible company and it took 3 phone calls to get the right one to close the account. They wanted the social security number in full over the phone. No freaking way! We do not give out social security numbers over the phone.

The first rep was helpful. Then I got transferred to Tech Support and they told me what the issue was. Basically, the auto re-routing of Citicards.com didn't function properly and made me change my password more than five times and still I was not able to log in. Then I got transferred to a supervisor who interrupted me when I was trying to explain. She was just loud and not helpful and stuck to what she thought was right which is that Citicards.com is the same as the myciti.com. In a perfect world, it is and in my case, it did not work and made me change my password over 5 times and still not be able to log in. She was not helpful at all. She just sucked!

I was behind on my payments so I went on a payment plan. I made 2 months of the payments and on the 3rd month, the payment (of $788) came out a week before it was supposed to. For me, that was a huge problem because we have to budget out to the last penny. So you can imagine the havoc caused by an unexpected $788 being taken out! They did refund the money but not until their 3 business days later which was incredibly inconvenient. I rescheduled the payment for the correct date. The next day, the payment was taken out again! I called and the manager said, "I see in the notes that it was supposed to be taken out on the 15th, but for some reason, she took it out on the 3rd."

I had a business Citi Card and scheduled auto pay to be debited from my business checking account one week before the due date. Also, I always checked my card online via QuickBooks. One day I noticed a weird transaction. I logged into the online account, and I was greeted with a weird Hispanic female name although I'm a non-Hispanic male. I sent a secure email via their web site asking what this thing was about, but they never responded. I called next day and they refused to talk to me because I was not that female they were expecting. The same day, I received a letter from Citi with this fraudulent female name which I returned to the sender with a letter with all the specifics and asked for an explanation. The account was still active several days after this incident. I did not call the police this time because they were useless with a credit card fraud case a year before.

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.