Citi Credit Cards Reviews

To further help cause a late payment, payments seem to be held in Citibank for many days before posting to the account. An electronic payment should be immediate. There is no reason for it not to be posted in the same day it was sent by my bank. This seems to be an attempt to run up the interest on my outstanding balance.

I hate when they ask : How can we help you , because they don't mean it. I am avoiding Citi in anything. No mortgage, no banking, NOTHING.

I had to get a new pair of glasses my son broke and i was going to pay with my credit card and it was declined so i had to pay out of pocket and then 6 days later i tried to use my card again to purchase pictures that i was going to have made, and it was also declined. how can they do this?

This transaction was made without my authorization so my problems started. I had less that $4000.00 in my checking account which fo course caused the first overdraft. I contacted the citi cards company and they stated textually ""You made the payment"" which is ridiculuos. They said I had online activity on August 19th at 11 am. I told them I was not even online when the transaction was performed ( I remember clearly what i was doing at that time on that date which had nothing to do with computers) I asked them to start and investigation and they were to send me documents to sign. It's been almost a week and i haven't received any documents yet.

contacted y bank to have them open a claim and they were so efficient that we did some paperwork by fax. I asked the citi cards company to stop or cancel that transaction and they said it is not possible. I asked them for the IP address of the computer the transaction was generetaed from and they said that is not possible (assuming the transaction was originated from some computer). I was keeping track of the activity in my checking account and my bank covered me with overdrawn and the day after the money returned to my bank but another surprise was to come, on august the 22nd another citicards made another debit for $4000.00 which created again the same situation.

I called citicards and they said that the system tries to complete a transaction if the first tim it did not get through. I asked for the status of the investigation and they did not have idea what my question was about so I assume they were doing nothing. meanwhile i was being charged penalties at my bank because of lack of funds and at the same time since the second attempt to debit 4000.00 did not get through there was a bouncing and as a consequence some charges are applied at citicards.

I called again and they said it is not their responsibility. besides, since they can't prove it was their error (of course they don't want to prove if they made errors) then the responsibility is mine. I am still waiting for some outcomes but because of this i have not been able to use my money that I have in my checking account.

Charges/penalties on both companies Future Damage to my credit record Stress Spending my time and energy on an inconvenience caused by citicards Unable to use my own money because of the overdraft which in turns creates more trouble like not being able to buy basic stuff like food, school supply list for my son, unable to move because of no gas money, being late at work, possible bounced transactions when companies will try to get their bills paid lectroniclly from my checking account (Gas, electricity, mortgage, phone services and so on), and being treated as if i were dump.

Now I am afraid citicards can try to make debits and that implies I have to cancel my checking account to avoid this but then It will take me a while to update information with the companies I do business through my checcking account. The most important damage is this wasting of my time. who is going to give me that back? My time, as anybody's time is worthy and a waste of time implies a loss of money.

One of the correspondence letters read as follows: "We would like to inform you that as of June 28, 2008, your name was removed from the above referenced account upon the primary cardmember's request." - - - I AM THE PRIMARY CARDMEMBER AND I did not request anything from them on 06-27-08. The 2nd corresondence received read: "Thank you for contacting us regarding your Citi Simplicity account. As you requested, we have removed lin, mandy as an authorized user from your account." - - - Again, I DID NOT CONTACT Citi on June 27 or June 28, 2008. I didn't know of the name change until July 7, 2008.

07-07-08 I called 1-866- at Citi Cards, first person reached informed me the credit card number I was giving was not in my name. After conversation to establish that I WAS THE OWNER of the account, was informed "somebody called on 06-27-08 and name was changed after all the security questions were answered and I was possibly a victim of identity theft". (To this point that is two different explanations)

Was transferred to the Fraud Dept, then Identity Theft Dept, talked w/KATHIE; my case #10370469. My credit card account closed and new account assigned; told them I did not want a new credit card issued. - - Received new credit card in mail 07-12-08, so much for my request.
Kathie said there would be a 7 year Fraud alert for me with the three credit bureaus; TransUnion will monitor for 90 days.

08-01-08 Received phone call from Sara in CitiCards Security, who indicated since there were no fraudulent charges on my account, there is no fraud involved. Probably the only reason there were no charges at that point, the credit card came to my address instead of the address they were tried to change it to. (But who knows what the future holds for me as far as my personal information being compromised by CitiCard person(s)). Sara told me to contact the President of CitiCards/

08-07-08 Received correspondence from Melissa P., Presidential Communications, only acknowledging what I have stated above. 08-09-08 I mailed reply to Melissa P. expressing my concern again regarding the name change. Even though no fraud discovered at that time, there has been an illegal ac committed against me by CitiBank and it's employee(s) who committed the act. Someone has information about me that is related to the name change.

08-20-08 Received correspondence from Melissa P., stating "the name changed occurred on June 27, 2008, as a result of an email request from another cardmember requesting an update on their CitiCard and NOT A PHONE CALL. This request was received on same day our Customer Service area received the payment coupon YOU RETURNED requesting the address on your account be updated." I DID NOT REQUEST THE ADDRESS ON MY ACCOUNT BE UPDATED. THIS IS NOT MY REQUEST.

08-25-08 I replied to Melissa P., stating I did not request an address change on my payment coupon, and asked them to provide me with a copy of the payment coupon and a copy of the email request referred to. AS YOU CAN SEE, THERE ARE SEVERAL DISCREPANCIES IN THAT I MADE NO REQUESTS TO CITIBANK REGARDING MY ACCOUNT PRIOR TO JULY 7, 2008. I feel my personal identity and information has compromised by Citi employee(s). Who knows what the future holds for me! I feel someone within CitiBank may be involved with messing with my identity. If not, they should be providing me with the information I have requested.

At this point, I don't know what happened, a phone call and somebody providing answers to my security questions; or an email received, as stated on their latest correspondence. Either way, they should provide me with that information. I am a 75 year old lady, who is still gainfully employed, and very well, but the stress and worry has certainly taken a toll, and that will not end! There has been gross negligence an illegal act committed against me by CitiBank and it's employee(s). I will appreciate any help.

On 17th Aug I received an SMS stating that the amount in the SB A/C was Rs3798.50 because I did not maintain a min balance of Rs10,000 there was a service charge and an amount of Rs 411.50 was deducted about which I was not informed by sms or email, so I called up citi bank on 18th Aug and transferred the remaining amount(Rs 3798) to the credit card. I still had to pay a balance of Rs 408 to the credit card. On 24th Aug I received a mail and an sms stating that I have to pay Rs 5091 immediately and the payment was past due .I don't understand this. I paid a sum of Rs 410 to the credit card on 24th Aug and on 25th Aug I receive a message saying that a sum of Rs 0.50 was received.

Is Citibank playing Games with customers? I know [they] have so many bad debts and know You guys have a lot of pressure from the VP but this is not the way you treat a customer who's paying you regularly. I have so many ways to Avoid paying money and [they] cant take a hair from me. If the same condition continues, I have all receipts and I will book a harassment case And I wont pay a penny. I need the complete clarification regarding this and If possible a call from executives or manager and I wont spend money in calling [them], its a waste of time and money, Waiting for a reply as soon as possible.

I set up my payments to go out every other week so that I am sure to have the minimum paid on time. They began applying my payments to reduce principal and not to roll over to the next cylce to pay on time. I thought I was paying more than enough and now My finance charge has now been increased to 28% percent because all my increased payment were paid to reduce principal instead of applying them how I wanted. I was 39 dollars past due because of how my additional payments were posted and now they are charging me over 300 dollars a month in interest.

I will never be able to pay this down now. all my additional payments will now be going to pay off interest that I should never have been charged. This is a deceptive practice. If a person is paying extra every month it is obvious that they are trying to pay down the card.By putting me in the interest penalty box they have made it so I can never pay this debt. My finance payment tripled.

I can't buy food for one week because of the additional 200.00 in interest I have to pay on this citi card.

We would like them to transfer our rewards to a new card. We have written letters to them but only get evasive answers. Do we have any legal rights to collect our rewards?

I termninated my association with the DMC since I was able to handle my accounts on my own. I sent money to Citi Card even though I was not receiving statements. I happened to run my free annual credit report and discovered that they charged off the balance of $2786 in July, 2008 without any notification to me that they were doing it. Makes no sense to me since I was making payments.

Some agency or government entity needs to move on behalf of debtors and change the credit card company laws so they cannot continue to do what they always do--raise interest rates and charge late and over limit fees. Please stop Citi Card!

Obviously, since they would not work with me and charged off the balance, it seriously hurt my credit score.

I have lost my wonderful credit score of 750 last year-2007. I want the harrassment to stop that all I ask!

CitiCards was unresponsive to my complaint, so I canceled my account. I would highly dissuade anybody from retaining CitiBank or their affiliates as a vendor of any credit services.

Will indicate on my credit report an account closed by the creditors. i never authorized the account to be open.

I was charged $39 for a late fee and $22 for finance charges.

I'll live through this, and I'll have the balance paid down in a few months, but my once positive feelings toward Citi are forever tainted. Their actions were so incredibly disproportionate to the harm of a $2 underpayment that they can't possibly be considered anything other than abusive. I was once sympathetic to the free-market argument, and the need for deregulation. Citi's abuse has made it clear to me that this industry is not capable of self-regulation.

Since we were late a week one time, our interest went from 3.9 to 29.8 and they also made back months retro and added on over an extra thousand dollars in interest. Also they added an unwanted protection that cost 200 every month and we have been calling them monthly for four months to remove this charge and todate we are still charged the protection fee.

Two months agowhen the rate increased we called them again and also wrote a letter to explain what had happen but no one responed. We owe 3,000 more than we took thebalance transfer and I pay 1000 per month. It doesn't seem fair to retro interest rates or to charge a large protection fee.

To me it seemed a stupid request which doesn't make any sense at all. After going through 5 persons and explaining my story none of them seem to understand or have any concern whatsoever and they were talking in machine like voice, We userstand sir, but you've to send us the letter. Its not that sending a letter is hard for me, but to me it seems so stupid and non-sense thing to do, so I asked them to close my existing account and they did it without hesitation. Perhaps loosing one customer is not a big deal for Citibank?

Just frustration. Welcome to the new stupid and non-sense world of senseless rules and regulations. Whatever happened to reason?

I called Citi Bank and asked how something could be charged to a closed account? They said we did not close the account, only stopped the credit protection on the account. Now I can't cancel the card again after cancelling it in May because I have to get SimpleEscapes to credit an account I really don't have. I will call SimpleEscapes again but my main complaint now is with Citi Bank. I believe that Citi Bank and SimpleEscapes are somehow working together to dupe their customers.

We are now faced with asking SimpleEscapes to credit the Citi Bank card. If they don't we will be responsible for paying it or ruining our credit. IF I get a credit from SimpleEscapes I will cut up the old Citi Bank card and send a registered letter to Citi Bank cancelling the account AGAIN!!! I am going into the hospital Monday for surgery and I have to deal with this during my recovery.

Before I sent them the money a educated myself about the tricks and dishonest practices that are commom and associated with the debt collection companies. As you know there are many true stories and you are never 100% safe with these people. For this reason before I sent my payment in full I asked them to fax me a note they call a settlement letter which states that they had been autorized by Citibank to accept the amount above for a settelemnt in full to colse the referred account. Acting honestly and as I offered I went to the bank and make a wire transfer ( I live abroad). Of course I have all my transfer records and faxes and phone conversations registers.

Upon payment, I call these people in NES Cleveland and they informed me that they already had received the payment and that they were going to sent me a note in the fax stating that the account was closed as paid in full for the settlement agreed. THEY NEVER DID! I waited a few days and sent them a fax and email asking for the cancelation note and they never replied. First I was giving them the benefit of the doubt but hey! what can you expect from these bad reputation people. I was curious enough to read about this company and found bad comment from people having bad experiences with them.

I now want to elevate this case and at the same time I am getting al docs ready including this record here to accumulate my data. I acted in good faith and as responsible individual and I cannot understand how a company such as Citibank will refer me directly over the phone to this NES people from Cleveland. When I called Citibank they do not even answer to you they connect you directly with these people in Cleveland! I also would like advice as to what to do next in a correct and rightful manner. Who sould I contact to let them know about this and for them to see what these people are doing and of course to be protected just in case? please advice me. By the way I have all docs on file in case you want to review them and better advice me.

After answering a number of questions as to why and how did this happen, I was told to make payments and to call back on June 27th to set up a payment plan. I was also told that I would be receiving calls from Citi telling me to pay. And I received an automated message every day, at all times of the day reminding me. Here I have tried in good faith to make payments.

When I complained to the representative that I thought the calls were intrusive and that I had explained my situation, I was ignored. Citicard called me on my cell phone, my home phone and then at my place of work. All of this after I had explained my situation. Prior to June 27th I also made a phone payment of 200 dollars. On the 27th I called Citicard as requested to set up a payment.

I spent about 10 minutes on the phone once again, going over my financial situation, why I had gone over the limit, etc. At the end of the conversation the customer service representative told me they were unable to set up a payment plan with me and concluded our conversation. I was floored. I didn't say I was blowing off my debt or that I was declaring bankruptcy, I said I wanted to pay down this debt and would they work with me to do so. Also, why would they allow me to go over my limit?

Charges seem to appear late on my bill so prior to the June bill I thought I was within my credit limit. While this is going on of course they are accruing late fees and finance charges making it even harded for me to pay down this amount. I've sold some jewelry, books and my husband is working overtime so that we can deal with our personal finances. I feel as though a game is being played with us in our attempts to be good consumers.

The damage is the increases to our charges with this creditor, eventually our credit rating. I just want someone to work with me on this issue. I am not asking for debt forgiveness, only for someone to address my issue with serious intent.

On Saturday, June 14th I made a payment to Citi in the amount of 236.00 and on Monday, June 16th they then turned the account over to Phillips & Cohen. Keep in mind the account having a 1.9% interest rate had never been late. On Wednesday, June 18th (less that 30 day after we lost my mother) we received our 1st of several harassing called to collect the debt. This continued until we made a settlement of payment of 6,000.00 on Wednesday, June 25th.

When I called Citi they said that this is standard procedure for accounts where the card holder is deceased. I must tell you that I (we) were not only victims in the accident that took my mother, we were then victimized by Citi and is associate Philips & Cohen.

My mother has recently suffered from a mini stroke and has given me the authorization to clear this on her behalf. She no longer answers her phone because it could be the collector. I am ready to pay it off on her behalf just so she can have piece of mind, but after years of paying all her bills on time, she would be very upset if I paid for something that wasn't truely hers.

$29.58 is trying to be scammed from me.

It was this Mike who I spoke with at length concerning my accounts and complaint. I explained to him that for Citi Upromise, payment was made electronically on 05-19-08 on the payment due date of 05-19-08 for billing period Mar 26 - Apr 24, 2008. For AT&T Universal, payment was made electronically on 05-19-08 for the payment due date of 05-12-08 (one week late) for billing period Mar 19 - Apr 17, 2008. I explained to Mike that the phone calls were in excess of six per day and were extremely upsetting, distressing, ridiculous, and unneccesary since payment had been made in good faith on both accounts. Mike told me that the phone calls would continue, even though I had explained to him that payments had already been scheduled to be posted on time for both accounts for next month's statements.

Not only did he have absolutely no interest in taking down the information I had for the future payments (confirmation #'s, ect.), he further insulted me with his unsolicited personal opinions on my spending habits. I have since filed a complaint with the Better Business Bureau.

Citi Cards charged my Upromise account a late fee of $39.00 for a payment that was made on time electronically! In addition to this Citi Cards charged my Upromise account a past due fee of $6.30 for the same payment that was made on time electronically. Outrageous!

I ended up paying finance charges for all the time that I was gone and from the time I returned until I paid that bill. How do people cope with this

For your kind info. I have not authorised Citibank to debit that amt from my Suvidha a/c I have not signed any document regarding that. In addition to this when i was opening my suvidha a/c in feb 2007 i refused to take any c/card from citi but still citibank made it. why? Now that I am already very tensed and if something happens to me psychologically, only Citibank will be responsible for that and thats why i am writing you this mail for my future records. For your info i am the only person in my family who is earning right now and if citi keeps on debiting from my a/c how will i run my family

For now as my salary is gonna credited in another one day I want You to normalise my saving a/c with immediate effect and i promise to pay the amount for c/cards and if you dont then i am gonna file a police case against Citi stating that [they] deducted my money from my a/c without my authorisation also I may file a case of harrasment and claiming amount in reverse from CITIBANK because of the torture that Citi gave me and my family

Citi's handling of the matter, especially for a longtime customer who has always paid on time, was very badly handled. Their website does not list any email addresses to write to, for complaints, and calling their 800 number will just result in a runaround. The economic damage: I had to pay a Stop Payment fee on my check that was supposedly lost, and most likely Citi is not going to reverse the late fee. In times of excessive gas prices, food prices, etc., it shows how big business could care less about the average American consumer, and doesn't appreciate the loyalty of that consumer.

remeber this is your problem not ours. we didnt run up the bill you did. also with interest yes if you do a blance transfer it will be charged what we say if you even miss one pymnt or charge anything to the accnt the intrest will go back up. if you are late 2 months in a row the interest will go all the way to 29%, even 31%. if something happens call us and we will be willing to talk to you. im sorry to hear that anyone has had a bad expeirance with citi. just remember if you arent willing to listen the agent will not be willing to help. That means you are polite yes sir no sir. also if they tell you here is a number you need to call then call it. its not our job to make sure your pymnts on time and its not our job to make sure it is seen by another department to have you problems fixed.

Yes, I have Power of Attorney, in one company, I sent it and tried to negotiate a minimum payment asking them to eliminate all excess fees. Negative, would not do, wanted a $532. payment for a bill approx. total $ 1,300. Mother began to forget everything prior to her extended hospital stay, bills that I thought had been paid were not. This only involves 2 credit cards, unsecured, one for $1,300, the other approx. the same. She lives only from Social Security without assets. My phone # was listed since she is unable to hear. Taking care of her is a 24/7 job. I also have a disabled husband. This is not my debt, what can happen to this poor 83 lady with dementia? They insist on speaking to a deaf lady. The calls come Sunday as well as any other day. I stated the situation. To no avail. Help

Dementia and a hyponatremia seizure resulted in an extended hospital stay, currently lives with daughter, myself, is not capable of performing everyday living activities, lives only on social security.

We called the customer servie. The first time someone hangup on my wife when she was explaining the situation. She called a second time and this time the rep (some guy named Kim) said the payments had been made already. My wife asked him 3 times and each time he said yes they had been paid. He then transferred her to GIA(Id: GM85680) because he couldn't help her with adding the account. All we were trying to do was pay the bill on time using their electronic system. GIA said we could not do it online or over the phone and that we would have to go to an citicards office(which we have none close by) or by normal mail. She also wouldn't be able to waive the finance charges or late fees!

We talked to the supervisor (Shawn SR14354), instead of calming things, he seemed to have a chip on his shoulder. I mentioned to him the problem and he said something was wrong with the bank number, he wouldn't listen and he had to say something. I explained to him that we had been using the account for a while, he then verified and confirmed it. I explained that we had got an email stating the insufficient funds. He said the bank had send a wrong code and so they weren't responsible and we couldn't use that one or any other account to make payments online. He could have easily made a note and said this would be taken care of and the fees refunded. But no! he started to explain that the electronic billing was a service and that making payments was our responsibility even though we wanted make payment the same day and because of their lacking system which they provide, we couldn't do it. Finally, he was argumentative and I tried several scenrios to reason with him. It seemed like it was me who was trying to find a solution rather than him!

I filed a complaint and stated the things that were lacking, at first he kept saying the first person was a girl not a guy and then he was wording the complaint as he liked. I tried to explain the different scenarios but everytime, he seemed to imply that it was not their fault and everything was everyone elses problem. We have been excellent customers, me and my wife...with 2 different accounts. She has never had a late payment. I explained to him that the customer service was really bad and that I had been on the phone with them for an hour for no reason and I wanted to pay my bill!! To which he stated, we had been talking to him most of this time. Wow! what this guy was trying to do is beyond me apart from maybe being annoying! I mentioned to him that I couldn't imagine how they treated bad customers since we were good customers and paid on time to which he had the audacitiy to say that we didn't pay this current bill due to insufficient funds implying we were bad customers, which is what we were trying to pay in the first place! That was the last straw! My wife immediately decided to cancel the card. What a bad customer service in US and this was a supervisor at Citicards.

Two months later I get another bill with late fees and interest. I call Citi cards and asked why? I was told I had the wrong address. We went over the address change again and I told them that I lived in a small town and I had not gotten an bill from Citi Cards and even if they had sent it to my old address it would have been forwarded. Citi Cards admitted they had not gotten any of my statements back. I was advised that I would still have to pay the late fees and interest because they could only waive those fees every 6 months. I asked to talk to a supervisor and the late fee and interest was waived. Because I was sick of dealing with incompetent people I cut up our Citi cards and stopped using them all together.

Low and behold I get a bill from Citi Cards, for $250 plus or minus. In March of 08 on my wife's card. I checked with Citi Cards and they couldnt give my any information on past months charges so I requested the past years statements on this card. Any activity on this account prior to September had some how managed to get to me and get paid, again with the change of address going on the return statement with the check. Some home the September bill for $88 didnt find its way to me until March or 08. Again I contacted Citi Cards and they were very kind. I told them I didnt believe I owed any late fees or interest because it was their mistake. They all agreed. Three times I payed on line and they assured me that it was all taken care of and they would get back to me with confirmation. No one ever did.

As I was cleaning this mess up I got a call from a collection company who was rude. I told them this had been taken care of and they needed to confirm this with Citi Cards. They would not. On 4-14-08 I was assured by Citi Cards this account was paid in full. I was told they would confirm this on or before 4-16-08. They did not. I called Citi cards on 4-21-08 and was told they payment had not gone through and that they would re-do it and it would be done that day. On 4-28-08 I got a letter from Academy Collections that I owed $302 on this account. I called Citi Cards and no one knew anything about my account. Richard, a manager told me that even though I had made my payment as agreed they had turned the account over to collections on 4-17-08 and there was nothing they could do about it. I would have to deal with collections.

I asked for a statement from Citi Cards stating my account was paid in full. He said he couldnt do that even though his people had assured me it was finished and paid in full. Citi Cards is one of the worst managed ill trained companies I have ever dealt with. This cost me $167.80 to clear my account. I was assured by the collection co that Citi Cards would remove this from my credit history. I am not holding my breath on that ever happening. I believe anyone who does business with Citi Cards is very unwise.

2. I was told that I could not pay online for 30 days. I then again attempted to pay online and the lady I talked to said that the routing numbers had nothing to do with my numbers. I know that everyone that I talk to says that I had to have put the numbers in myself. Contrary to that, the numbers were entered the first time by the gentleman that I was speaking to in India. I had documented what went on during our conversation. OK, one more time I have to send a check.

3. Again, I attempted to get assistance to set up an online account. Once again, I could not understand the person that I was talking to and he put me through to someone who spoke English. She stated that she would mark my account that 'I didn't like foreigners. I was highly offended by her remark. She actually said it twice. Then I was abruptly disconnected.

4. I called back and spoke to a very nice lady who offered to try and get the correct numbers in. I have been paying my bill out of the same account for years. I read the routing number and check numbers to her. For some reason, the system was not taking the first four numbers of my checking account. She told me she would attempt to have the late fee removed from my bill due to the fact that I had gone in on the 19th or 20th to have my payment done online on the 26th. I received my bill and had a $39 fee for a returned check. Needless to say, I am disgusted. As much by the fee as when I told the support people that I have paid my bill off every month for years and was thinking about canceling my account. The response is basically - go ahead.

I don't know what has happened to customer service or people listening to your problem. I know that it states that your call may be recorded - I wish they were and you could listen to what I have experienced and the amount of time I have spent on the phone attempting to rectify the situation. All I was trying to accomplish was to pay my bill.

This $50 dispute and Citicards take on the matter has effected my credit rating.

If I wished, I was told, I could request a refund. I did. That's when I found out that it would take one to two weeks for me to receive a check in the mail! I argued that since the mistake was THEIRS, that they should electronically re-credit the $345 from my Citi Credit Card account back into my credit union account as easily as they had taken it out. They all told me it was not possible and that I would just have to be content with getting a refund check within two weeks time.

This is nearly tantamount to robbery. Imagine a thug taking $345 from you without your consent, and promising to send you a refund back in the mail. What are you going to do in the meantime?

I requested to speak with a Citibank supervisor. Leigh Ann (?) was no help at all. She even told me it was my fault that I had paid off my credit card balance in full, and had not bothered to spend the time to call Citibank to tell them (that even though Citibank knew that I had paid off my entire balance) to please refrain from collecting anymore money from my credit union account. It's the way the system is set up. It's also what's written in the brochure we sent you in 2001, she said, So even though you paid off your balance, you should have called us so we wouldn't collect more.

I am now paying an additional $120 a month on fees that I was told I would only be paying every annually, not monthly.

I overpaid my credit card and had to borrow money from my retired parents to pay my other bills.

They waived the penalties this one time but won't do it again if the same thing happens.

So I called them, and they said there was nothing they could do; and they would not credit any late fees--that due dates fluctuate. I understand to a point, but a six day swing in three months is a lot. They also kept requesting me to hook up to electronic transfer, which I told them is out of the question--especially after what I have been through with them already.

At this point I have lost over $200.00 in penalties on a card I looked at because I thought I could save money. I have four other credit cards that I do not have these problems with.

Also, I checked all the statements that I missed before, and there are some international charges from New Zealand on my card, that I did not make or authorize. I will try to dispute those charges, but not sure if I will get my money back. My economic damage is an unauthorized charge for $89 and fees for late payment for $310.

They said that there was going to be debt collector. I asked Laura to waive the charges since I was told they would be--and they did not.

Fortunately, I was able to transfer the debt to a Capital One Visa account. Capital One offered 0% interest on the transfered balance.

The economic loss was the additional interest I had to pay until the account balance was transfered. I am lodging this complaint with the hope I can prevent others from experiencing an otrageous interet rate increase.

I run an online business and cannot get work done for the every 15 min voice mail. The telephone has been shut off from ringing, so my husband can sleep during the day after working 12 hr nightshifts. Mon through Sunday these calls and rings come like clockwork, all day. Family gatherings and such are a nightmare of the phone ringing and ringing. It's impossible to get ahead of payments because of their charges added monthly, min payments are more than a whole payday- up to $600.00 they have demanded. We pay what we can, this month $350.00, but today alone there were 18 calls made to our home # from them. We're at the point of considering having the phone taken out, getting cell phones and another form of internet just so we can carry on our normal lives, get our work done, and be able to have an hour of the phone not ringing. No one is avoiding payments to Sears here, but should we pay their $600.00 month we couldn't pay anything else nor eat. This has been going on for two months solid. At their interest rates, late charges and so on, even the $300.00 did not touch the balance and was absorbed as fees and charges. They make it impossible to get the card paid down.

I am a small business owner, have done many transfers, have made mistakes in the past, and so feel I am pretty savvy. I was careful to make sure this was a good offer. There was no limit on the cash advance fee, and I was charged $592 on an advance of $20K. I called them and the reps are very versed on how to defend this. As I am discovering, Citicard is pretty brutal about not making reverses. This is terrible, and something should be done about their misleading advertising on these offers. If the entire offer was about cash advances, why would they mention anything about a balance transfer when they have nothing to do with the attached convenience checks?

They are charging me as much as they can. I am talkin 25%!! My minimum payment was $65.00 a month and they would charge me guess what.. $65.00 a month. So there for my balance over the last two years has been $2000.00. They say make extra payments, sure I would if I could.

I asked if they could lower my interest they said we couldnt because I was current on the account. So I skipped a month to trigger their system. I called back and they said they will lower my rate to 10% and required me to pay by eft from my checking account. I said ok whatever. So I have $66.00 taken out of my checking account every month.

I have been in this new arrangement for 3 months now and it is funny my balance is still $2000.00 plus they are trying to charge me with late fees for anything they possible can! They do not want to lose their money in any way, shape or form. Who the hell am I making rich. I have asked them if they would charge off the account and they wont.

I am convinced CITICARD doesnt care to help because they are making a lot of money off of me. The actually acount has been closed for over 4 years, but yet it will not go away. I have paid CITICARD well over the amount it would take to satify this account and completely close it but they make lots of money from me why would they want to help!!

Knowing that I was going to consolidate a few credit card balances, I had been looking for a good deal and set aside the attractive offers as they came in the mail. The Citibank offer of 2.99% through June of 2008 was particularly appealing. I made sure to read the fine print, which states the transaction charge was 3% of the amount transferred, with a minimum of $5 and a maximum of $50. No problem. I wrote a check (one of the checks included in their deceptive marketing packet) for $9,000 to my business account, which I am using to pay off my other credit card balances.

Again, I've done these transactions before and never had an issue. You cannot imagine my surprise when I received my first statement from Citi showing the $9,000 check (no problem), $10 interest (no problem), and $270 finance charge for the transaction. That is 3% of the entire $9,000. Nowhere on their deceptive marketing piece does it say that the checks they included did not qualify for the $50 cap and the sky was the limit.

I called Citi customer service, the agent that I spoke with was patronizing and rude to me, and all but called me stupid. Citi refuses to reduce the transaction charge.

I am very angry to have received a credit card I did not want or ask for.

My peace of mind is gone. How can I be assured that Citi will not do this to me again?

It seems that Citibank 24-hour credit card fraud line is now only open 8am to 12am EST. This obvious cost cutting measure places users at severe risk of fraud when traveling and in any other time zone except for the East coast. As an international business traveler this makes the Citibank Mastercard unreliable.

Obviously Citibank has stuck some deal with Fraudsters that they will not steal cards out of office hours and that they will now cover any additional liabilities.

To rub salt in the wound, they are still advertising 24 hour support on their web site and literature, surely this is illegal or Fraud (but obviously only during office hours).

My March 19, 2007 statement had a requirement that I pay the $325.17 balance due (or at least the minimum) several days before the end of the next billing cycle (rather than just allowing my payment to arrive DURING the next billing cycle). In this example they demand the payment be in hand before April 14, 2007 so that they could have it posted to the account no later than the 14th. Allowing for mailing times, that means I must have it mailed to them a week before the 14th -- it must be in the mail to them by April 7th.

That leaves a short window of March 20th to Aril 7th to receive the bill in the mail, review it and make out a check to pay it. Only 19 days in this example. But CitiBusiness has a policy (that they absolutely deny when I call them on it) that they are holding back the mailing out of the monthly statements so that regular postal delivery is made each month by 8 to 15 days after the month close.

So now reduce the tight 19 day payment window I mention above by 8 days and we're talking I have a MAXIMUM of 11 days to open the statement, review it and pay it.

What if I happen to be away for a week's vacation? Or otherwise out of town for a mere week or two? Figure it out, CitiBusiness knows that the tighter that make the payment window, multiplied by millions of customers each month that they are raking in the extra interest and late payment fees.

The result of the bank's pushing the payment window tigher, is that interest and late payment fees are more likely to be assessed.

I called customer service and the girl was again rude and said there was nothing I could do and I still owed that money. I decided to call it quits with them that day and just hung up the phone. I just received a letter today (April 6, 2007) that is dated March 25, 2007 saying I neded to pay my balance. I called them and my payment is now 65 dollars and 36 days past due. The guy working in customer service said I need to pay it and that it is already on my credit report. This upsets me greatly being that I am trying to have a good credit score.

They placed a conditional credit while they investigated for about a month and then reversed it because the matter was resolved when I received the 2 credits from the merchant. They didn't seem to comprehend that there were three charges and only two credits.

I faxed a copy of the cashed money order to Citibank's customer service reps. They placed a conditional credit for $500.00 on my account. On September 12, 2006, they reversed the conditional credit and charged me more late fees. I called them again, and this time was told they had never received any faxes from me, and that I should re-send them. So, I did just that.

In October, November, and December, I made several follow-up calls, as the issue is STILL not resolved, and kept being told my conditional credit was reversed in September, they would investigate the matter, I should try back in a week, and would I like to purchase some ridiculous offer from them! On December 12, 2006, I received yet another letter from Citibank, this time claiming that the copies I faxed them were illegible, and that I should YET AGAIN re-fax them.

How do they expect to get payments when their page is down? My credit will be ruined by the time I return from Japan in three months due to missed payments.

A month after the original purchases, I started receiving billing notices from Citi Card on behalf of the SEARS account. The initial bill included finance charges and late fees. The Operations Manager at the SEARS intervened with Citi Card on my behalf, but they told him that nothing couldn be done.

Prior to the year end of the promotional period, Citi Card charged-off my account and because of that my credit FICA score went from 798 to 540, which has in effect ruined my credit.

They placed my card as if it were forcefully CLOSED. It was under a payment plan and i did not know it was through collections. It will affect my credit and i cant do anything about it!

After more than five years of having me believe I had this protection with Citicard and of charging my account, but most of all of having Citicard charge me monthly fees on their charges, I sent my first claim and their answer was that they could not cover my minimum payments, which back then were low. I spent months calling them and didn't even get an explanation. I have paid Citicard way more than my purchases have been, but waiting on them to start payments, when Citicard reps themselves told me they should have been paying, they have left me with the inflated balance they created and without the service I enrolled for.

How can a business like this continue operating? I can't calculate the amount of finance charges I paid Citicard for the almost six years of Credit Protector charges, just as for other "membership clubs" charges that I never signed for, but I know if I had a small business and defrauded even one customer like that I would at least have to refund all charges associated with my business, or am I wrong?

I simply wanted to transfer a $1,000.00 balance and now I am in debt $1,000.00 more, plus interest. I plan to close my Citi Bank Credit Card account as soon as I can. I would advise everyone to stay away from Citi Bank as much as possible. They are nothing but predators.

I am not comfortable with them drawing my account each month, plus I bank at a credit union and have had trouble with drafting before. So I politey told the lady that I would just send her a check each month. She said that was not possible and there were no other options available to help me.

I asked her, "Well ma'am, I am trying to make some kind of arragements for re-payment and if you are not willing to work with me what will I do?" All she could say was, "We don't have any "free will". If the computer says No, it is a No and we can't help you any further".

1. On February 10, 2006, I opened ONE credit card online with Citibank. At the same time I requested to have ONE balance transferred from my Chase credit card in the amount of $4700.97. On February 13, 2006, I looked up my Citibank online account and saw that the balance transfer was not showing. So I called Citibank on 2/13/06 and spoke with Donna who informed me that the balance transfer to Chase did not take place and asked me if I would like to request the transfer again, which I did. I could not remember the exact payoff amount, but knew the amount was at least $4,700.00 and so this is the amount I requested to have transferred to pay off my Chase credit card.

I then received TWO new credit cards from Citibank in the mail. I did not apply for TWO cards, I applied for ONE card. So I called Citibank and had them close the credit card ending in 3933. Citibank sent me a letter dated 2/14/06 stating that this card has been closed and stating that my account has a zero balance. I then received a statement from Chase showing TWO payoff amounts. The first amount was for $4,700.97 dated 2/10/06 and the other amount was for $4700.00 on 2/15/06.

I then called Citibank and spoke with Yolanda on 3/1/06 and explained to her that there had been 2 payoffs to Chase on my behalf when there should have been only ONE payoff. She told me that there was only ONE balance transfer showing in the amount of $4,700 dated 2/15/06. I then asked to speak with someone else; but Yolanda said there wasn’t anyone else who could help me.

I called Chase and explained that this was in fact an error. They corrected my account for the same amount. See attached letter from Chase dated 3/1/06. On February 16, 2006, I emailed Citibank and explained in detail this error. They replied by saying I would have to call and talk to someone in person.

As instructed, I called Citibank on 3/18/06. This time I spoke to Lynette, who told me once again that there was only ONE balance transfer showing. I asked if there was a supervisor or anyone in the department who I could talk to and she said there was no one that I could talk to about this. In the meantime, I have received two credit card statements from Citibank. One account ending in 3933 (which I closed) stating I owe $4,700.97. The other account ending in 1632 stating I owe $4,300.00 and this latter amount is correct, as I have already made a $300.00 payment on this account. I would like this situation remedied as soon as possible before Citibank ruins my credit. Citibank refuses to acknowledge this issue. If Citibank is slamming me with credit cards and double billing me, then they are doing this to other people as well.

They went online 8 months ago and changed the auto-pay to their new account. The customer service reps couldn't tell them why CitiCards hadn't been deducting the payment. They finally got throught to a supervisor, and he showed that there has never been a payment from that new account. And supposedly the account had been closed because of the lack of payment, and they were going to raise the FIXED APR of 5% to 25%. Even though the account had been closed, they were still going to have to pay the raised percentage rate!!

CitiCards closed the account, and didn't even notify them about it!! the first people they had on the phone had that information and refused to tell them their acount was closed. My parents have no choise now but to file suit against them over this. They gave them the new account number, and they didn't apply the payments towards it, yet they took it off of their old account? Something seems fishy to me.

When I called to verify that this was some kind of mistake the person, after verifying all my personal info, proceeded to berate me saying they had every right to jump the minimum payment and increase my interest to 29.40%. They said this was per the new government requirements to get consumers to pay off debts faster.

I never in my entire 25 year credit history with Sears have been late or short on a payment. However now, with their loan shark tactics, I am now being harassed on a daily basis and have no hope of ever correcting this. My MINIMUM payment is now $401.07!

I got the next month's statement and my interest rate of 12.99% had jumped to 31.27%! Plus I was charged a late fee $130 for interest and over limit fee. My minimum due was now $230!

I had always paid at least the minimum due since I used auto-pay but they stopped that online service. I wrote a letter, sent a payment off $100 but my next bill was $140, plus late fees and over limit fees again - total min due $680!!!!

They got the payment 23 days after the date of the bill. I called them, explained about being out of town, and they said "tough" rules are rules. They said the payment was late, so they charged the fee and they wouldn't waive it.