Citi Credit Cards Reviews

I told her that my credit rating is good. My concern is, that Citibank was able to close my account, without my knowledge and without any reason. I have never been delinquent with any payments with them for over 10 years. I am at a loss for the reasoning behind the closing of the account and am distressed that banks are able to essentially take credit away from me without any notice or reason.

I went to my local branch and had the assistant manager look at the offer to see if there was any reason why I should not be granted this request. Scouring the information on the "checks", she responded, "You are fine. You have $4,000 available on your card and since you are using only $2,500.00, you are good to go." She escorted me to the next teller, telling her to put the money in my account from the check and then transfer the $2,500.00 to my son who is a Citibank account holder as well.

It all went flawlessly until five days later, I went to use my card to by a Jamba Juice, only to find it rejected. I went to another branch of Citibank to find out that the check of $2,500 was returned due to insufficient funds. What? I asked. I got it approved by my branch and had them look over every bit of legalities to make sure it was fine and it was. The branch manager got Citibank Credit Card services on the line and they had no idea why it was rescinded or shown as insufficient funds.

Days later, I appeared at the bank to once again and inquired why the check was rescinded which caused me to go $2,000 into my overdraft and cost me $10.00 in fees and $10.00 for returned check. The lady, a manager, at the Credit card side only said, "We can refuse to honor the checks at any time for any reason. "I fought her, calmly saying, "No, you can't. You must legally provide a reason that it was rejected. Have I been over my limit?" I asked. "No" she replied. "Have I been late with a payment?" "No," she once again responded. "Then, why was the offer rescinded when I just got new checks begging me to use them up to September 30th?" She stated, "That's the marketing department. It has nothing to do with us." "Really, are you serious? So, one hand does not know what the other hand is doing?" She simply stated, "Read your offer and you will see we can refuse the checks at any time."

Later, I did read it and nowhere on the offer sheet did it say that. Even the bank manager and assistant got involved as one month later, no one still knew why it was refused. The Manager of the branch got the other big wigs involved and still nothing. No one knows anything and no explanation has been offered on why the check was later rescinded.

After a couple of minutes, she came back stating that since all my payments are current, they are not able to do anything for me. I asked her, "Do I hear it right? Since I pay my minimum on time, you will not work with me?". She said correct and it went like this: I would have to stop paying and go delinquent, then they will work with me on lowering my monthly payments. So it also means that instead of working with customer, as I am willing, and calling them asking for help in financially strenuous situation, they refused so they can slap on my additional charges for not paying my bills on time! It is absolutely outrageous! I should probably open a new card and transfer my balances out of Citibank!

The only choice I am given now is to cancel the credit card and get the one that I wanted, but see, the reason I wanted to get a credit card in the first place was to build my credit history. Now if, I cancel this card and get a new one, I'm pretty sure my credit score will be affected, and that's just inconvenient. They were the ones who made an error, and I'm stuck with a card that I didn't apply for. I don't know if I want to activate the card, but I don't think I want to close it immediately. They can argue all they want that they are just the same, but this is not what I applied for. I'm still going to find a way to have them correct this. I've talked to four customer service representatives, and no one has been able to help me yet.

I've received no letter and, in fact, I've been away from home for over 45 days, so a letter wouldn't have helped me anyway. Why no e-mail from you, I asked? Regardless, I went online and made an immediate payment in excess of what would have been my normal automatic payment.

When I logged on to the CITI site, the following was posted on their homepage, "Please Note: Due to upcoming system changes, the AutoPay feature will not be available after July 22, 2011. After July 22, you must pay your bill each month online, by mail, through your bank or using a bill payment service. For more information, please contact Customer Service."

After making the payment, I called customer service and was assured the late fees and interest would be credited to my account, though it would take 24-48 hours.

Now, today (8/6/11), when I sign to double check the status of the late fees and interest being credited to my account, I see a message that the late fee cannot be refunded. Again, why is there no phone call or e-mail to tell me this? At least an e-mail to tell me I have a "secure" message on your website that I should read? I therefore posted the above on the CITI customer service website.

I requested, that since customer service was unable to resolve this issue to my satisfaction, that they escalate this issue. I will be reporting this to the BBB, to consumer affairs, and to the Attorney General of South Dakota... And closing my card!

I was just informed that my interest rate rose to 29.99%. I have asked several reps via phone and in writing for an explanation and I am given an "I'm sorry!" With the $300b government bailout Citibank has received, they should not be "double-dipping" their customers.

If I don’t get the call, please just leave a message and I will return the call. A lot of times I am out of the house.

With that, the payments also raised and now I can hardly pay my bills. I could understand if I paid late. But I always pay on time.

Citi stated. "I am guilty until I can prove the delinquent accounts and collections, were actually made by a criminal". Meanwhile, the person is using a completely different name and my social. This is stated on my credit report. In addition, I have paid my card in full, each month, for 16 years and never missed a payment.

I am interested in hiring an attorney to begin a class action suit against Citi for the treatment of customers who have been victims of identity theft. Every financial institution has been helpful, understanding, and supportive while Citi's treatment of customers is a travesty.

In March, I noticed the statement looked different but the payments were still being made. I received confirmation through Western Union that they were going to pull the amount on the 16th of the month on behalf of Citicorp. I then, in June, received a late fee on my JJill statement. I looked into this and noticed that starting in March, my account actually changed. When I called JJill to inquire about the late fee even though they had received the payment, she said that the account was past due. We figured out that in fact my previous account had been one of the liquidated accounts and sold to World Financial and that Citicorp was pulling my payments then sending them to World Financial! She said she would remove the late fee, set me up on the hardship program, and then I could make my payments directly since Citicorp did not own this account any longer.

I needed to contact Citicorp and tell them to stop pulling the payments, that I was making my payments directly to World Financial. Of course, I have gotten the run around with two different fax numbers to first tell them to stop pulling the payments, which they DID NOT do in July and then to refund me the payment they had indeed pulled. So, the second fax number was to the refund department. I called a few days ago and was told they could not tell me if they received my fax and taken care of the matter. It would take more than a few weeks.

Today, in the mail, I received a notice from World Financial that they had received my dispute of setting up a hardship program with them. I never sent them a letter, I just got this set up with them. I called World Financial and was told that she would make a note on my account and gave me an address to send a letter that I never disputed the hardship program and that I want a copy of the letter they received. It was NOT from me!

He told me that service was no longer available and that I should have received a letter. I've received no letter and, in fact I've been away from home for over 45 days, so a letter wouldn't have helped me anyway. I asked, “Why no e-mail from you?”

Regardless, I went online, where I notice on their home page the notice of discontinuing the automatic payment service. Again a lot of good it does to post it on their website when I seldom/have no reason to periodically check their site! I then made an immediate payment in excess of what would have been my normal automatic payment.

I called customer service and was assured the late fees and interest would be credited to my account, though it would take 24-48 hours. Now today (8/6/11) when I signed in to double check the status of the late fees and interest being credited to my account, I see a secure message that the late fee cannot be refunded.

Again, why is there no phone call or e-mail to tell me this? At least an e-mail to tell me I have a "secure" message on their website that I should read? I replied that if they were unable to resolve this to my satisfaction, I will cancel my card!

Please let me know how I can make Citi stop sending the applications. Identity theft is the number one crime in this country and stealing credit card applications out of someone's mailbox is very easy to do.

Sincerely, a very dissatisfied customer.

Sometime later, I called Citibank again and spoke to another account representative who told me that the interest rate hike had been rescinded and my account would be kept as is with no changes, and would not be closed.

A few months later my card expired, but no new replacement card arrived. I called Citibank to find out where my card was, and was told, "The account was closed at your request." I explained my conversation with the last account specialist and was told, "We had no record of that conversation, but if you want to apply for a new account, we can do that."

Pretty crappy treatment for a loyal customer of 34 years (in my opinion)!

Crystal told me they would need to run a credit check to re-open the account as if it was a new account. I have been a customer for 9 years. I use the card, pay off balances, but keep the card for future use again. Because of their negligence, I would have to go through the process of a credit check with the credit bureau as if I was opening a new account which is reflected on your credit score. Citibank mistakenly closed my account yet refused to just re-open it. I have been a customer for 9 years! The reps were rude and unprofessional. I will keep my account closed and transfer the balance elsewhere. I now have to transfer the balance to another account, actually 2 accounts, pay balance transfer fees, and no longer have a long term account. I have been in good standing with for 9 years.

Well, 2 months ago, I noticed a red alert on my acct when I went to pay my bill that said I had closed my acct. So I called and talked to Debbie and her manager. They told me that Aisha had made an error and put in the wrong plan for me and since I never got a letter and they had all of my conversations record in their records, they would put in an appeal and call me.

Well, no call, so I called them and 2 days of a runaround, they told me there was nothing they could do for me and I would have to reapply at a higher interest. Still upset, I did and I was denied for too much credit (probably with Citicard). This was wrong. I was never late and in my good faith to make sure they got their money. They kicked me out the door. With advice from my attorney, I am writing this letter as my first step. Please respond asap. Thank you.

I explained to her it had not been 12 months. She transferred me to a manager who explained to me that their system made a mistake and it would be fixed and that the debit would continue until June of 2011. She set up payments for February, March, and so forth. The money came out of my account but the problem was never fixed by Citi Card. In fact, as opposed to reporting normal paid as agreed to my report and status, they started billing late charges and interest charges that have now reached $1,500.

I spoke to a rep today who basically told me, “I know we agreed to 12 months and our system ** up, and that we know you have kept money in the bank to be debited as agreed, but there is nothing we can do and we are sorry.” Then they asked me to pay the $1,500 in fees and interest rates that were charged to the account for non-payment since February, which is ridiculous being that they have been taking $106.00 out of my account every month. This is unfair and seems illegal.

How can a company make an agreement and I the customer hold up my end of the bargain when then they start adding on fees, not to mention calling my phone 6-10 times a day harassing me about paying a bill and fees that were not even suppose to be charged to the account because it was supposed to have been in an agreement that stated zero interest would be charged and only $106.00 would be due every month? They also told me once and if the payment arrangement is complete, they would reopen my card at a 14% rate. All those options have been taken away from me because Citi Card's "system" ** up.

I am overwhelmed and stressed by these phone calls everyday and this entire situation. Companies should not be able to do this to customers. I am stressed out about the situation. Everyday I get 6-10 phone calls a day harassing me about a bill and fees that were not supposed to be accumulated. I feel threatened that if I do not pay these false charges, it will affect my credit report and overall credit, which will cause hardship on me applying for loans for school, car, and getting a new home. This has just caused so much stress I don't even like to answer my phone anymore.

I immediately contacted Citibank to make them aware of the error and they told me that there is no error and Avis rent-a-car, which I did business with in previous months, has debited me additionally. I explained to Citibank that Avis had received their money and I had the receipt as proof. I then took proper steps to dispute the charge but Citibank insisted that Avis had a separate authorization without my signature to debit the account and while they will investigate, I am denied credit because it is such a large amount. Now I have been given the runaround on updates with the investigation and my information was even confused with someone else's. I have read Citibank's policy in giving provisional credit and it states "while your dispute is under investigation, Citibank will give a provisional credit up to $15000". I have direct deposit and all checks since May 2, 2011, have been absorbed by this astronomical unauthorized charge that is not my fault. It seems that since I am their customer, that I would be protected but it is Avis Citibank is looking out for. I was told by the manager of my home branch that this is the risk you take when using their bank and my CC/ATM debit card.

I have direct deposit and all checks since May 2, 2011 have been absorbed by this astronomical unauthorized charge that is not my fault. It seems that since I am their customer that I would be protected but AVIS is who Citibank is looking out for. I was told by the manager of my home branch that this is the risk you take when using their bank and my CC/ATM debit card. I have not been able to pay my rent of $700. I am struggling to make a provision for my 5yr old daughter as I am a single parent. I have been walking to and from work because I have no money to put gas in my roommate's car. I had to use money I was saving as a down payment on my own car for bills and I am writing all of this on my cell phone because the electricity has been shut off. I only asked Citibank for "provisional credit" so I could maintain my household and they are acting like I am trying to con them out of something I don't deserve.

Fast forward eight months, I just got a letter from Citibank saying they had to discontinue the 'interest back' program due to federal regulations and I have to pay the full 29.99% interest. This makes my payment of $250 on a $12,900 balance shoot up to about $550/month going forward. I told them I wanted to opt out now since the option I chose earlier is not an option now. They said, "Sorry, but you can't opt out now because you already chose to go with the 29.99%." But that was when I was told I would get 50% credited back, which is no longer an option. The Citibank person told me "Sorry, it's not us. It's the federal regulations. We can't do anything about it". I can't believe it.

So, what I did was just pay off my $12,900 balance immediately after I got off the phone with Citibank yesterday as I will not be handing them $550/month, of which almost $350 will be in interest, causing me to NEVER be able to pay it back. That is insane and so unfair. I can't believe they are allowed to do this and go back on their agreement and then tell me I have no choice, even though the option I once had is no longer an option (and that's out of their control).

The sad part is I know a lot of people don't have the money to pay off debts like that, so they are forced to make those extreme interest payments. Or, they have a choice to work with their "assistance" department to try to reduce the balance owed. The sad part is that Citibank wins because either they get the extraordinary amount of interest from ME, or if I get "assistance" and they help reduce my balance owed, they get paid from the government for their "losses". They win, consumers lose, not only financially, but a lot of emotional upset in the process. This is definitely unethical, and seems to border on fraud in their tactic to reel me in with one thing, and then force me into the 29.99% with no option later.

So, anyway, glad I could pay it off, but can't imagine how people who can't pay must be suffering through these issues. I'm done with Citibank completely, will never use my card again. I am still leaving my credit card account open though, so as not to adversely affect my credit score, although I'm tempted to just close it and not worry about that. Sad to leave Citibank honestly, but no choice. Will do business instead with companies who value their customers.

After speaking to a manager, I was told that my late fee would be refunded and my plan reinstated and that they had many complaints about the exact same issue and it was a scheduling error by Citi. I just received my latest statement, and no payment had been made and I was charged another late fee instead of it being refunded. I called and spoke to another manager who told me that even though it was a CitiCard error, my program would not be reinstated and that no fees would be refunded unless I brought my account up to date.

So now, I am being penalized for an error that I did not make but instead was made by the company that is penalizing me. If I could bring this account current, I wouldn't have needed a payment program. I feel that I have honored my end of the deal, but I guess Citi doesn't have to honor theirs, and the government felt the need to bail them out when needed. They made the mistake, not me, but I guess they don't have to take responsibility for their errors. According to them, I am not the only one whom they did this to.

Called reps on the phone who stated they would look into it, NEVER got responses. I then decided after MONTHS of inaction by Citi to strictly use their messaging service. Sent numerous messages and at first simply received responses stating the policy about points being removed after 30 days. They would not address the fact that they failed to notify me. After months of getting no answer about the notification, I was then told that it was in my Feb or Mar 2009 statement and a letter was sent to me. I then requested copies of the statements.

When i got the statements in the mail, there was NO change of terms message. When i asked for a copy of a supposed letter sent to me, most times that was completely ignored but on one occasion I was sent a copy of a generic letter stating this is what you would have been sent. When I replied back stating there was no mention on my statement about the change and that I never got a letter, that if they supposedly sent one, provide me with a copy of it. They completely ignored that and since then the only response I get are simply that they can not do anything on a closed account.

Not only could I barely understand the customer service rep, I am not quite sure she understood me as well. I asked to speak to supervisor (none), I asked for a person name and email (none) I asked who I could complain to (none) so what is the point?

This is not the first time I have run into problems with Citicards. I have tried canceling, they bribed me successfully with no fee and guess what I got charged? (mea culpa). Not only that they have the worst statements of which you can barely read and understand.The lesson: Find better American Airlines Miles Card.

This went well until Hurricane Wilma and homeowners had to use their immediate cash for things that the insurance company nor FEMA would cover. This might have gotten me behind a month or two. Then, in 2008, I had to hire a consultant to refile with State Farm to receive payment for the new roof and accordion shutters because the roof was leaking badly. I am a single senior citizen who was divorced in 2002 and received very little per year ($30,000 x 4 years) and I had to support my adolescent daughter, my mother (whom I paid the funeral for in 2006) and my older daughter.

Again they claimed they did not have any knowledge of this and they also did not honor a low interest rate promised for those transfer balance checks they send in the mail. And, I asked for an increase in my credit limit and they said, "Apparently you made a late payment with another credit card company within the past few years, so we can't raise your limit with us. The people in customer service speak very poor English, and have very little knowledge about what they are told to do and or say. It's obvious that they read from scripts and say only what they are told, then they actually try to convince customers that we are getting a "real good interest rate".

I called Citi and with no good reason they canceled my card, they told me it had been a common practice with them recently. Then the trouble became clear to me. I started reviewing my statements for the past couple of years, and to my surprise they had raised my interest rate on more than one occasion to more than double. So that same day I called Citi Cards again. I was told there was no reason for the increase (“sorry, you've only been late 3 times in 17 years, Mr. **. I will fix it for you,” Citi explained) and my interest rate was cut in half. Well, my card was still canceled and they offered me a new one. I declined. They sent me a letter a couple of days later stating they lowered my interest and I could get free additional cards, but my account was closed by them.

I applied for a different credit card through a different company and was approved with a $5,000 limit. My credit is outstanding, 796 last I looked. I still have been receiving and paying my Citi balance. Today looking at my statement, they raised my interest rate again and said I was late. I called Citi Cards. I asked how it was late when it was sent with other credit card bills and they received theirs on time. Once again, “Oh, sorry, I’ll fix it for you,” Citi replied. “Okay,” I said, “now what can we do about all the priors doubling my interest rate? It has cost me thousands of dollars.” “Sorry, Mr. **, once again you should have called us when you first noticed.” I do not do the bills, my wife does. She has her hands full and it’s common to look at bills in a quick view, make a check, and mail it with many others. She expressed to me she felt that it has always been timely payments, except for once when we had moved hundreds of miles away. There seem to be no reason for things to change.

Well, Citi Cards can’t justify the reasons for their behavior or want to accept what they did as wrong and work with me when I called. So I’m stopping all payments to them as of today. I have worked very hard to build my credit. They have been ripping me off, and now after 17 years, I fear what these criminals are going to do to my great credits. I did call them and ask for a supervisor. It seems to me they’re looking for the next bail out by messing with people’s money, and I’m only one of many others that probably have said and done the same thing.

I never called nor do I want to change my old number and my card as the old card had a picture of me on the card. And now I find out they will not honor old commitments to me. I never received notice of a change in the dividend payments. They changed customer service phone numbers in November and that is when they changed my account number, which I will not use. I have always received dividend checks in amounts over $50.00 ever since they offered dividends. Please help me receive the $8.00 my account has earned and I should be paid for.

So with a card nearly maxed, they charged me two billing cycles worth of interest. Finally, after 45 minutes on a line I was recording (that was kind of dumb on their part), someone blurted out that they did it so I couldn't use my card. For similar events to be listed on this board, several times indicates that it is systematic. Clearly, some attorney should take this up as a class action just to put a stop to predatory lending practices (perhaps not in the strictest meaning of the term). Does anyone have a sense of who to report this to? My thought is the FTC and Comptroller of the Currency, but I don't know beyond that.

I called to have the $15,000 credit limit taken off my older card and put on my newer card. I was told it cannot be done because of recent legislation and I could talk to a legislator. Is this ridiculous or what? Then I asked if I could close the older account and apply the $15,000 limit on my newer card and was told that is possible but also possible that I would not get it and then I have lost the ability because the older card is not cancelled. Help!

They have damaged my FICO score by doing this because by dropping my limit, they put my debt to credit ratio at almost 100%. Furthermore their customer service rep. told me that they dropped my limit on the 2nd of November and mailed out a letter on the 4th informing me of this unjust decision. I have been a customer with them for almost two years now and I have never missed a payment. This is unfair business practice and needs to be stopped on every level.

On Nov 1st (after 20 days of my payment in full), out of the blue they reduced my credit limit to $200 from thousands. I had called the customer service on October 6th and October 23rd (to dispute the charge which was turned down which is fine) and in all the calls made I have asked the representative whether my card is being affected and the answer has been no, it is reinstated without any issues. Since the last two days, I have been calling them to have it reinstated so it does not affect my credit history but all the representatives that I have spoken to have been rude. I could care less attitude and have refused to reinstate my credit limit back. I cannot understand the logic of reducing the limit and messing a credit history of a person for one late payment that was paid in full the moment it was bought to my attention.

I am looking for any sort of help I can get in disputing this and making sure Citi cards does not do this to other hard working tax paying people. The representative that I spoke to said that my limit was dropped because my account was delinquent. I checked my history through a credit agency, far from being delinquent. It's in excellent shape and have not received any notice from Citi about my delinquency. I heard the financial industry has been regulated but this kind of messing with people's life need to be stopped. Please stay away from Citi cards. Of all the credit cards that I have had, Citi cards has been the worst. The policies are the worst and the customer service one notch lower than their policy.

They have dropped the credit Limit from thousands to $200 for one offense. This will affect my credit history which I have worked hard to build. They have also charged me $100 in finance charges and interest which looks inconsequential compared to what they will be doing to my credit history.

Because they mistyped my account number, I received a late payment, which resulted in a $39 fee plus and over the limit fee because I thought I had successfully made a payment then planned a vacation on the card! Needless to say, I closed out my two accounts I have with them and will never recommend them to anyone. I suggest they do more extensive training fort their employees because currently, they are an absolute nightmare to work with.

A few days later, I received a letter from Citicards stating they weren't going to honor the check because I no longer qualify for the check offer. I called the number on the letter and after speaking with 3 people for quite a long time, they were unwilling to give me an answer on why I didn't qualify. They stated that Citicards has the right to pull offers at any time and that they don't need to notify me in advance that the checks were no longer valid. They are unwilling to honor the check, but they will cover the returned check charge that I incurred.

At one point, we found they had credited it back to Shell and we had a $1200 + negative balance at Shell. That is not Shell's money, it is ours. We have talked to supervisors, etc. at Citicard with the same promise of having it done within 24-72 hours. This is ridiculous and we want our money back into our checking account. How can they just keep it all this time after their mistake? Please help us!

I called the credit department to obtain an explanation of this decision and I was told the decision was based on information in my credit file. I explained that the only negative item in my credit file was an account with Citimortgage that was erroneously reporting as over 30 days late even though I had made the payment and had the receipt. I was then told I needed to dispute this item and call back for a reconsideration of my account.

I have never been treated this way. I was not given any courtesy after successfully maintaining an account with this company for over eight years. I think I was targeted because of the erroneous information reported by their mortgage company. In the 30-plus years that I have maintained credit cards and unsecured accounts, I have never experienced anything like this. The normal business practice is to assess a late for fee for a payment not received in 11 days. This is ridiculous coming from a corporation that was bailed out with taypayer funds

Now two years later, I'm in the process of trying to bring my credit back around. I called Citibank regarding this one particular card, told them I have never missed a payment, always paid more than the minimum, and that I'd like to re-open this account to improve my credit score by helping with the debt/credit ratio. They told me I could if I accepted an increase in the APR. I said "Why would anyone in their right mind agree to that? " My reply was "To save your good name. " I asked then "What is my incentive to continue to pay this card if it is not helping my credit in anyway." On the other end of the line was silence. Upon the end of that call I deleted Citibank from my automatic payment schedule with my bank. I know the collection calls with soon be coming, but seriously, what is that?

So if an unfortunate consumer, who pays in full, does not pay in full for one month, the credit card company will charge interest on the balance of the following two months, even when the balance is paid in full. Since when is it legal to charge interest when a "loan" is repaid in full within a predetermined grace period? Consumers need to be protected from greedy, predatory bankers with unethical practices.

Not only are interest rates exorbitant (20%) but banks are charging interest when there is no balance on the card. I paid $10 in interest. A seemingly inconsequential amount until one realizes the amount of money this practice generates when multiplied by millions of consumers.

My new monthly payments were too much to pay when combined with the other bills I pay. So, I told them that they would not be receiving any money from me. And I haven't paid a dime since that day last year. Legally, I realize I should pay. But I am taking a moral stance here. After sending my account to collections and having the collection company fail to squeeze money out of me, Citi has now taken my account back. I think it's so they can continue to tack on interest. My $7500 balance is now up to $9400 thanks to late fees and penalties. Economically, my credit is probably ruined. I don't care. I'm working my debt snowball and intend to pay off all of my debts and never use a credit card again. In the meantime, I am dealing with collection calls, threatening letters, and certain credit ruin. Oh well. It's time people took a stand and I have officially drawn the line in the sand. I will not pay Citi one dime until a) my balance is lowered to the original $7500 and b) my interest rate drops significantly.

I will not pay this card at 19%, it will go to my credit rating that has a perfect rating and will now be damaged.

Or, option 2 is the same as above, but I would pay an extra $150 monthly. Then, I would be able to maintain my credit limit. Yet, they had continued to email me, sending a postcard reminder to choose one of the above. Just last night, they left a computerized voicemail on my home phone about very important information regarding my account, to please call. Can anybody explain why they're trying to pressure/bully me into choosing the options above, since the letter clearly states closing the account by the deadline?

If they do not correct this error on my account, then it will nullify my interest-free purchase for the next six months on $364.00, and I will be paying a late fee for a payment that was not late.

In the following week, I receive a letter from Citi Card about an updated on my account. In the letter they stated that my old account is permanent closed and I have a new account and for my card it is upon review and approval a replacement card will be mailed to me in the next business day. In a few days, I didn't receive a card, so I called Citi card representative and talk with Jared about the whereabouts of my card and to make sure that there was no fraudulent charges on my card. More days pass by and no card.

I called another Citi Card representative named Tiffany. She pulls up my account and told me that there is a misunderstanding. That I will not get a new because in September 2009, I opt out for the increase in the APR. She said since I opt out they cancel my card on the date it expired. I told her that my card shouldn't be cancel because I opt out in the APR, and after I opt out the card I was still using it. I ask to speak with the manager. I speak to the credit manger Charles, who told me that they mailed out a letter explaining everything. I explain to him that I never receive a letter and that I should not have my card cancel just because I opt out. I didn't get any sympathy from the manager. All he keep saying that I opt out will result in cancellation of the card. After talking with the manager I was upset.

My mom told me to called my bank and apply for a credit card with them. So, I fill out an online application and called them to make sure that they receive the informations. Within a week I got a rejection letter stating that I was disqualified base my credit report. They tell you how they appreciated your service and how they value you for being a loyal customer. I don't feel that I'm being treated as a valuable customer. I been with Citi Card since 2004 and it was my only credit card. Citi Card gave me a bad credit standing with the credit bureau. That resulted into getting rejected by getting other credit card.

Bottom line, Citi bank lied. This is my daughter's money. She is in chronic pain due to a severe car accident we were in over two years ago. This money was a settlement from the car company and is supposed to sustain her until her appeal for SS is heard. It was initially denied. I've gone broke supporting her on one income (cannot find full time work). I could really use some help.

The letter that was sent to me also included the generic customer service phone number. After navigating the usual customer service maze, I was transferred to "Lisa", an account specialist. Lisa had a generally rude disposition and answered every one of my questions in a very curt manner. I asked her where my serious delinquencies occurred and what factors were used in Citibank's decision-making.

She had no answer except to write the credit management with these questions. I asked her if there was a phone number for the credit management department other than the general customer service phone number; she answered, "no". I asked if there was someone at Citibank where I could log a complaint about the credit management department, she answered "no". I asked if there was a process to file a complaint about her customer service specifically, same answer. Lisa answered "no" before I had finished my question. Her attitude implied my questions were unreasonable.

It's bad enough credit-worthy, faithfully and timely credit card paying Americans are having their accounts summarily closed and incurring the resulting credit score damage. The attitude and dismissal of questions is just adding insult to injury, and unnecessary.

I am so pissed off at the credit card companies. They all got their bail out but what about the little people; the poor people. If they were to drop the interest to 20% that would still be making a fortune off me. It just doesn't seem fair!

I found your name while searching for Citicorp corporate office information. Please, I am asking for your assistance. I have tried for a year to clear my debt to no avail. I have gotten the run around for twelve months and desperately need the assistance of someone in a higher position to help.

Last June 2009, I called 1-800-331-3703-1 and 2, to report my Shell cards lost or stolen. I explained that I had a balance of approximately $60+ dollars and that there were charges to my card that I did not make. I also stated that I keep my balance around $100 and then pay it down. I was assured that there would be an investigation and that the card would be cancelled. I then sent in a copy of my statement and circled the charges which were not mine, according to the directions given to me.

I received a letter on August 25, 2009, from Michael ** in the Fraud Department, stating that they completed the investigation and I was responsible for the charges because I "failed to supply requested information. " I immediately called Shell again and spoke to an operator and explained the situation to her. I was asked to respond in writing, which I did, and disputed the charges again. From this time on, charges continued to accumulate to this account. Obviously Shell did not cancel the card and instead sent a new card (account #**), which I have never, ever used.

I then began receiving numerous (5 - 6 times a day) calls to both my home number and my cell asking for payment. Last Sunday I received a call at approximately 7:00 am. It was obvious the man was not from the United States as he struggled to say my name. I heard "Hello, is this Jen Mic... Mic... Mic..." I interrupted and said "**? " He said yes and that he was from CitiBank and calling about this card.

There is no way this company can provide me with a signature on any transactions after June 2009, nor can they provide a photo from a gas station because I never made any of the purchases. In addition, I teach from 7:00 am to 3:30 pm in Phoenix. I then go directly to my evening teaching job. I'm not in the area of these charges. Most of the times these purchases were made I was in school.

I am a hard working teacher and raised my son as a single parent. I own my home, I pay my bills, I vote, and I don't break any laws. I've never used drugs in my life and feel I am an upstanding citizen. I'm not some flake trying to skip out of this responsibility, however, I cannot and will not pay for charges that I didn't make.

I have tried several times on my own to resolve this matter. I called on February 3, 2010, and spoke with Alen (ADS 1-800-377-5148) in the fraud department and asked him to please help me resolve this matter after I again explained the entire situation. He was helpful and asked me to fax the bills with my disputes to fax #1-877-506-5658. I faxed him the information on February 4, 2010, at 5:29 pm from our school fax #**. I heard nothing back from him. Then on I called again and spoke with Chistie (AME) on February 5, 2010, at 2:35 pm. I explained my story to her and asked if she could please follow through and help me. Nothing. All I receive are demand letters and nonstop phone calls.

This is ruining my credit. I want to resolve this matter. There has been no one in your company willing to do so. Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist telephone communication with me, in relation to this and all other alleged debts you and Citi Group claim I owe. Please send me correspondence regarding how I can proceed to resolve this matter or a direct phone number of someone with authority who can and will assist me.

Sir, CitiCard is also hereby notified that if my request is not honored that I will immediately file a complaint with the Federal Trade Commission and the Mr. Terry **, Arizona Attorney General's office. I will pursue action as high as I need to go, including contacting necessary Senators.

Well, my credit reflects that Citibank has charged off the account and I no longer receive statements. Now, approximately 6 months later, I am receiving statements again. If Citibank has already collected from their charging off my account, why are they seeking the opportunity to get a second charge off? Hardship. I feel that Citibank is using my account for their own personal gain with numerous charge offs for the same account!

I pointed out now that I had another inquiry and the solicitation was misleading because it said "pre-approved" and if I had known it was only a solicitation, I would not have bothered calling because all I wanted was to transfer a balance from another card that was less than $3,000. I will now discard anything from Citi, pay off my balance, and close my account.

Today, I checked my statement and I was charged a late charge. I called and when I explained the situation I was told that I didn't make the minimum payment so I was charged a late fee. I explained about the payment arrangement and was told that even with an arrangement, you're charged a late fee if you don't pay their minimum payment. This is kind of ludicrous with someone being on a payment plan. It is a way for them to steal money from you while you are paying.

I have tried thus far, unsuccessfully, to have this company honor their commitments. I have documentation to support the incidents I have mentioned. I would like to have this investigated and given credit for the balance transfer fees. Thank you kindly.

This is a complete scam they have going. First, it is

(e) beginning balance is not always the same as previous month’s ending balance, no accounting and no explanation.

I've never, in my entire life, dealt with anything like this! And don't make the mistake of not paying their $10 even it is not even due yet. They call 3 times a day until they get their $10 plus $35 penalty plus over 20% interest. I have/had a credit rating over 800 until I encountered this scam company. Their business statement is "do everything you can to collect penalties and high interest from our customers".

I told customer service that I was disputing this increase. I have not paid my monthly payment on this account and I waited for a customer service person to contact me. When they did, I told them that I was waiting until I got their attention and I was disputing this charge, contacting Consumer Affairs and requesting in writing an interest rate decrease. I believe that credit card companies should not be able to arbitrarily assign an interest rate that is so high, I can't possibly pay down the balance. I am a single mom raising three kids without child support. This practice is unacceptable. The interest rate increase means that I would pay the balance off in 32 years, if I paid the monthly payment. Where is my incentive to be a good consumer? I have been a Citicard member since 2006. Banks should not be allowed to increase the interest rates to unacceptable levels. Please help!

I immediately called them to ask the reason for the charge as I did not miss the any recent payments. I spoke to a customer service rep and she explained to me that 2 periods ago, I shortpaid the balance by $4.00; which now results in my $11.41 in interest charge, calculated by an 8.74% APR. Well, unfortunately for her, a reasonable person would not find that answer logical enough to let it pass. After my unsuccessful attempt to remind her that $11.41 cannot be the interest of $4.00 using 8.74% APR compounded daily in a period of 30 days.

I felt so frustrated and was ready to cancel my card as she kept giving me the same nonsense answer, and even advised that she could perhaps send me the letter which explains how Citi calculates the interest charge! So I ended up raising my voice and told her that I would like to cancel the card right away, without that interest charge on my balance (she actually had said earlier in the conversation that she would be happy to remove the interest charge from my statement). At that point, she changed her tone and said she could not remove the charge, and was willing to connect me to an account specialist.

So in the end, that guy apologized to me, removed the interest charge, and promised this would not happen again blah blah blah. I have learned my lesson that Citicards can play their tricks on good customers, too. Fortunately that I always check my account regularly to prevent any potential fraudulent. And my second experience of fraud still came from the financial institution that issued my credit card, just like the first time! I figured that it is more common than identity theft and such.

Citibank made Rs.11,000/- to 96,000/- includes very high interest rate and additional charges. I am a service class person and having family of five members including 11 months old baby girl. How I can pay back Rs.96,000 to Citibank against Rs.11,000 since Citibank started to debit credit cards outstanding from my Citibank salary account? So I am struggling to fulfill basic needs or bread and butter with remaining amount of my salary after deduction. Please help me to get this case resolved as early as possible. I have not enclosed any documents as a proof because I don't have any documents. I have taken all the information related to credit cards from Citibank customer service.

In spite of my current status of - very low debt, an 800+ credit score, having "paid as agreed" on a citibank Visa. Citibank MasterCard is refusing my application because of a Chapter 7 over 17 yrs ago. That's what the Citibank representative said.... discrimination.

The only thing she told me was that they sent me the notice back in December and that 29.99% would be my new normal rate, which notice I never had received. According to her Citi did similar adjustment to many of their customers and this change of rate is to survive as a company. I want to say this was the far worst response I got from credit card company as explanation of the rate increase. My minimum payment amount is now more than doubled to almost $700. This is the same amount I pay for my 2nd mortgage with the fixed rate on 9%. Only difference is I'm paying more than $500 in interest with the debt amount is less than 1/4th of my 2nd mortgage loan amount.

On my Citi Visa Card, my available credit was over $10,000 between the two cards and I only had a balance of $31 on the Visa and $0 on the MasterCard when they closed the accounts. I think they are cancelling all the cards with high available credit and low balances because they won't make any money off them when they jack up the interest rates like they have been. And it's a liability because the available credit is so high and the bank is going under. When I called customer service back and told them I was in good standing credit wise and there was no delinquent information, they had nothing to say and said they would send me letter that outlined why my account had been cancelled. They said they had sent out a letter before but I never received a letter so I told them to resend it.

In October, I opened my statement to find that my rate had gone up to 29%. I immediately called thinking there had been an error and was in for the shock of my life. The representative was harsh and rude, stating that I should have received a letter. I have gotten every statement for how many years and just happened to not get this letter? I asked if she could tell me if I was ever late to be getting this "default" rate. She said I had not and in a condescending manner said, "and we'd like to thank you for all your years being a loyal customer". I could not believe that was her answer. I was given the opportunity to close my account that day, but after building up such a great credit history, I decided to keep it. By the next month, my finance charges had gone to over $300 and my minimum payments are now over $500 a month. I could only make it two months and had to stop paying on it, which was a heartbreaking decision.

The next day, they called and said my documents were not acceptable and they decided to close my account. They also said that the balance needed to be paid in full (even though it already was) and refused to acknowledge the payment that I paid before my account was frozen. I faxed in the copy of the confirmation of payment that I received and still nothing (it's not in my bank account)Now they hurt my credit by closing an account, took the money I paid them, and are telling me that I owe a past due balance which I paid (further hurting my credit).

Never open an account with Citi Financial. They are going under and can't even afford properly trained customer service representatives. Last time I called, I was told that by opening a new account, my payment would go through and the balance would go down to zero on the older account. I was then transferred to the account opening department and told that this was not possible. What? It makes no sense.

Recently, we converted an amount of $21420 into 12 EMI. According to us, we paid the 12 EMI in the month of April 2010. But now they told us that one of the EMI was paid towards my due for other purchases which I was not aware of since I was thinking that I paid my monthly purchases according to what the agents told me on phone. Now, is it my fault if I did not receive any statements?

I would advice anyone who uses a Citibank credit card if they are inquiring about the repaying the credit purchases amount to ask for the total credit amount to repay. Some *** agents would only tell you the current amount due, they would not tell you about your previous month. Once I paid the remaining amount, I am going to close this account for good and would advice my friends to do the same. The customer service is a big question mark.

Today, (April 26, 2010) I pulled up my account online and discovered that my interest rate was still 13.99%, and no credit had been posted to my account. I again contacted customer service, but this time, the account manager told me that it is CitiCard's policy not to change interest rates on closed account, so I must be mistaken. I immediately pulled my card statements dating back to March 2009, all of which reflected 9.24% interest. The account manager told me that she cannot pull my previous statements, and would have to "request paper statements to be delivered to me." The account manager told me that she would research my complaint and "send (you) something in writing in a few weeks."

I know there are new regulations designed to protect consumers against these practices, but who's enforcing those regulations? I just want to get my balance paid off and say goodbye to CitiCards. I'm not trying to dodge what I owe, but don't jack up my rate to make up for what someone else didn't pay back! I'm trying to get this card paid off as soon as possible, and to recover the credit score points I lost by closing this account, but CitiBank and CitiCards is making this more difficult than it should be.

My appeals for a waiver have been denied. I have always been making payments in full for outstanding balances and I believe Citibank should be more customer focused and considerate and not take advantage of an unfortunate situation. I write this to make others aware of the inflexibility of Citibank Credit Cards and strongly recommend that they consider other financial institutions and avoid Citibank.

But because they no longer had the Citi-flex the account had already been closed. She told me that the APR would be 7.24% for the 12 months and they would need my bank info so that these payments would be automatically withdrawn on the 31st of each month. Well, since I have been unemployed for since November 2008 I thought this would give me a chance to pay this down in the next 12 months. So I agreed to the first payment being withdrawn on the 22nd of February.

Now this is where it gets sticky or should I say tricky. Citi withdrew the money on the 22nd of February and when I received my next statement it showed a past due of $158.00, the same amount I owed for January 29, 2010 which I set up the payment arrangement. I then called Citi and the young man assured me that the next statement would show the correct amount of $93.00 and not a past due amount.

Well, that was not the truth; not only did it not show the payment due of $93.00, it showed that I was past due $207.03 and my balance went from $9098.39, which I owed when I started the program to $9124.15. Now, tell me how does this happen? Mind you, they have taken two payments of $93.00 from my bank account and my balance owed has gone up. My goodness, the people there are so nasty it is unbelievable. I will never again do business with these people: they have the worst customer service I have ever encountered. This will be reported to the credit agencies as a thirty day late on my credit.

Needless to say, I reread the letter thinking that I must have misread it; I called customer service and after hearing the customary memorized poor excuse for true customer service (i.e. "I am sorry for any inconvenience", and "I understand your frustration") the rep was once again "sorry for the inconvenience" of letting me know that yes, the computer showed my card holder membership would be terminated on 5/15.

I am not only incensed, but also find myself feeling cheated for actually doing the right thing, for keeping up with payments even when out of a job, paying higher taxes so Citi could be subsidized and "rescued", for actually believing that in these United States if you worked hard and met your responsibilities, things would be okay and you would not punished. It seems backward to me.

I only know that when and if they actually have the audacity of offering me credit again, I will literally laugh and tell them "I am sorry for any inconvenience this may cause you" and "I understand your frustration"!

I was set up (or so I thought) for this service. On April 9, I paid $100 on my account. I asked for the March amount of $100, and I was told I would receive the match amount, and it would reflect in my next statement. On April 11, I received another call from Citi, and I paid another $100, so I could pay the $345 balance down, and I would only have to pay $100 each month. On April 16, I received another call from Citi. This time I talked to Rain, who stated I should not have received the telephone call, as I had paid $200 on my account. I asked her about the match payment, and she assured me that I would receive it for the month of April, and it would show on my statement.

Today, April 19, 2010, I received my statement in the mail, and it only shows the $300 I paid on March 16, April 9, & 12. No money was matched. While I examined my statement, I received another call from Citi, requesting more money. I explained to Dwayne, that I have made payments for this month, and I should not receive any calls per Rain, the person I spoke with on Saturday, April 16. Dwayne puts me on hold, and when he returns, he says I see where we called you on the 16th, however, your account is delinquent by three months. Realizing that I was told about the program I was offered in March, I asked him why I had not received match payments, and he said it was only good for one month. Well, I was not told this by Rain, the other Citi representative. I was led to believe that I would receive a match payment of $600, if I paid $100 per month. Rain also gave me confirmation numbers for each agreed upon payment. So I asked to speak to a supervisor, and Consuelo answered the call. I told her my concern, and she said I was only eligible for a one time match payment of $100, and I would have to pay $513.29 in the month of May.

I advised Consuelo that I know my rights as a consumer, and I felt that I was being harassed by Citi, and I did not want to receive anymore telephone calls. I asked them to put everything in writing. Consuelo told me that I could not make that request, and that the calls will continue. I told her that I want all calls to stop, and she said I must put that in writing. I told her I would. I had previously asked for the address of someone else, and I was given ** Sioux Falls, SD 57117, but no name. I also asked her what my minimum payment was, and she initially said $345, then she changed it to $513.86. I asked her if I had to make that payment each month, and she said this was my minimum payment.

I strongly believe that I am being harassed by this Citi. I know that I owe this debt, and I am making an effort to pay it off. I also believe that my interest has been increased to 27.4%, which caused further hardship for me. I also know that the representative of Citi have lied to me, as it relates to payment arrangements known as "Match Payments". After speaking with Consuelo, I realized that I was upset, because I could feel my heart racing, my head pounding, and my ears were pulsating. I became sick to my stomach, because I had become very upset with this situation. I want what is fair, and I feel I have been taken advantage of by this monster of a corporation.

This is going to be a huge setback for me and my family, in the way of future purchases, and will surely have an adverse affect not only on my credit score but on my career marketability also. One of their reasons for canceling my account was "length of time accounts have been established. " I guess 10 years of perfect payments isn't long enough. All of my other lines of credit have been open for several years without any late payments. Do not use Citibank.

In reading the numerous complaints, I wonder just how many accounts they are closing in the US, due to the new regulations. I will never do business with Citi again and had to shift my retirement investments so that I am not support this or any other business that engages in practices that harm consumers who are trying to build their credit.

It appears that financial institutions are engaging in unethical practices to ensure that payments are late and derogatory credit is reported to justify charging higher interest rates. Thus, securing their bottom line to continue paying out corporate bonuses at the expense of those less fortunate. Every time a creditor closes an account, it appears as bad credit and your credit score goes down. Now, every company that bases their fees off the credit score can justify charging you more.

I asked why the MasterCard I had with Citi was not being closed. She stated "it's a different product so we have different standards and that card was not being canceled". Needless to say I asked to have the MasterCard account closed also. After being a Citi customer for 16 years, paying on time for 16 years and always paying more than the minimum I now get the feeling that Citi is not a customer oriented institution. If the government sent Citi any bail out money (which is my tax dollars) I feel Citi should repay that bail out money in the form of canceling the remainder of my balances on the closed accounts.

Equifax has no negative info on my credit report except for the one time I was late in June of 2009 to Toyota. I have never been late paying either of my credit cards. Now this random closing of my credit card is going to ruin my credit rating. This is unfair and unjust. I work hard to pay my bills on time and because of one incident where I overlooked my car payment is enough to close a credit card, they are ruining my credit and it is not right.

I want this looked into please, because I don't deserve to have my credit ruined. I don't even know if they have correct information to close my account because citicards won't tell me, they just say it is info we received from Equifax and they can't stop my account from being closed. There are so many people that walked away from there credit cards and justly have bad credit. I pay my credit cards and they are causing me unjust bad credit.

At the end of March they issued me a new card. On April 13, 2010, I received a notice that my account will be closed due to "recent late payment". When I called and stated that I had been a member for 16 years in good standing and that over the last few months I had given them $8,000 even though my husband had been laid off and I was struggling to make ends meet I was told there was nothing that could be done.

I find it completely disheartening that Citibank can ask the American public to bail them out with our tax dollars when they are in trouble, but when a loyal customer of 16 years is late on a few payments they cut them off. This will have an impact on my credit report.

Instead of working with me to help me get this balance paid off, they are driving me into a more precarious financial situation. I feel trapped by them. Based on comments from others, it appears a number of folks had their rates yanked up based on purportedly paying a day or two late in November. Their behavior is egregious. I'm sure what they are doing is "legal", but it's not moral, not right. We are all stockholders of this company and this is how we are treated. Truly unbelievable. Positively un-American. Exacerbates my delicate financial situation.

I have never been late on my MasterCard, never missed a payment but feel that Citibank took advantage of the loophole given to them before this law took effect. My payments are now $100 more a month than they were and it is now a struggle to make my scheduled payments, which is the only thing they would offer me. I am very unhappy that a big company like Citibank would do such a thing and hopefully something can be done about these greedy credit card companies.

Recently, I paid off the entire balance of $24,772 or so on 3/30/2010. Last week, I received a letter from them that my credit line has been reduced to $570 from around $25,000 because I have several cards with balances close to the credit limits. This is unbelievable. They reduced my line because I paid off the high interest card.

As long as I was paying them approximately $500 plus per month in interest, they had no problem with me borrowing from them and elsewhere. The minute I paid off high interest credit cards, they reduced my credit line to nothing. And this is when I had the credit card since 1987 and had a decent credit limit. This $570 credit line is a joke when you go out of town with the family (wife, children ages 9-18) and rent hotels or cars. I am not sure what is the remedy for this kind of abusive behavior by credit card companies. They did not even call knowing this person has had card for 23 years and always paid them.

Every time they say they are trying to help and every time they end up also saying they can't help me or they don't have a plan that can help me. It's gotten to the point that last time I spoke to someone, they told me I should ask my children for help. I have never said I would not pay, I just keep insisting for them to give me a plan that I can work with. It really has gotten to the point where I know my whole day is ruined every time they call, like I need anything else in my life.

Because of these, my credit is ruined. Although I am still paying all my other bills and cards on time and I get very depressed every time they call me.

Only one, the one from Nov. 2008 to Nov. 2009. Now, they are saying that when they opened the card, that is considered a payment plan because they gave me a special rate (28.99%). Then they said to make the first payment at the 28.99% and the next month, it would be significantly lower, around 7.99%. Again, not true, it is 13.99%. And finally, they are saying they can't lower this already low rate because I had a special offer when the account was opened in 2000. "They" being Customer Service and Collections departments.I just want something I can afford, please someone help me. Stressed out beyond belief.

When I originally enrolled in this card plan, the interest rate was nowhere near this amount. I do not recall ever seeing anything which I could clearly read that told me the interest rate was increasing. I have called on numerous occasions since my son discovered this, to get the interest rate lowered and/or to have my payments lowered but have been unsuccessful. Additionally the customer service agents I have spoken with have been extremely rude about my inquiries basically telling me "too bad".

When I told my son of my experience with your customer service representatives, he forwarded a letter to U.S. Representative Eliot Engel explaining my experience and current interest rate dilemma. Being charged 29-37% interest on this card is absolutely ludicrous and should be illegal, if it is in fact not illegal. I kindly ask that my interest rate be lowered to a "human being" rate of 8% APR.

I also ask that my bill be credited the difference over the time period that this astronomical interest rate has been in place (the difference of *% APR vs. 37% APR). Furthermore I ask that if, in the future, the interest rate is to increase that a proper notification be sent in writing in a font size that is readable for all to read. I appreciate your prompt attention to this matter.

Loyalty point expiration research: I am in possession of a letter to me (and all cardholders) from the president and CEO of Citibank (Kendall E. Stork) where he specifically addresses the rules of point expiration. I quote: "Effective January 1, 2010, all Thank You Points earned with your card, including points you earned before this date, will not expire as long as you make a qualifying purchase at least once every 18 months from the end of the month in which the points are earned."

He goes on to say: "To view your Thank You Point balance and to keep track of the expiration date on Thank You Points you earn, visitthankyou.com and see your account statement under My Account / Points Summary / Expiring Points." These rules are further reinforced on the Citibank website for the "Citi Premier Pass" card. On the FAQ section under "Do the points expire?” it states: "ThankYou Points do not expire as long as you have qualifying purchase activity at least once every 18 months."

On both the letter and their website, Citibank/Thank You Network never indicated that by canceling my credit card, I would lose my points. When I closed my credit card account with Citibank, I explicitly asked the agent if I would lose my points and was re-assured that I would not. My last qualifying purchase was made on June 17, 2009. Therefore, I should have had until Dec. 17, 2010 before any of my points expired. I took the CEO's advice and was actively monitoring the Thank You Network website for any impending 90 day expiration. At no point in time did the Thank You Network flag the points in a 90 day expiration window; rather the points were just yanked away. I lost 114,000 Thank You points.

My economic means is unavailable to pay such a amount. I may lose my home. I cannot afford to buy food to sustain my family and my mental health is rapidly decreasing due to the stress of the situation.

I also do not deserve to suffer for the mistakes others have made, specifically the people on Wall Street that screwed up the economy and your current customers that defaulted on their loans and credit cards, which caused your companies credit losses. They are not of my concern. Let me tell who is my concern, my husband, my 10 year old miniature dachshund whom her and I survived 9-11 together living in downtown Manhattan, and most importantly my 1 year old son. It has been very difficult to make ends meet since I became unemployed.

My family lives month to month and after paying all our bills, we just have enough money at the end of the month to put food on our table. However, if my APR on my Citibank card goes up my monthly payment will go up, thus leave my family no extra money at the end of the month to put food on our table. Do you really want to be responsible for taking away food from my cute innocent son? Do you really want his family to suffer more financially then they already are and make them turn to desperate measures?

You claim in the letter that you wrote me that the new APR of 23.99% with a minimum of 29.99% is consistent with the current market conditions, yet the national average APR rate is currently at 14.45% (see attached) and that if someone has bad credit the national average is 20.84%. This means that your APR is not only higher than the national average, but even higher then someone with bad credit. I do not have bad credit and I repeat I am in good standing with Citibank. My only issue is that I have a high balance on the card, one that I am trying hard to get down, which would be impossible to do with your new APR.

Furthermore, I did not receive a letter in July 2009 that stated my APR would be going up in October. I never received a letter from Citibank stating such at anytime during the year 2009. If I had, I would have tried to resolve the issue right away. The only reason I noticed my APR went up in the month of October because I am compulsive about checking my account online. As soon as I noticed I called Citibank customer service to resolve the issue. I was blackmailed into either closing my account or accepting my APR to stay the same for only 6 months. I was never told it was a promotional rate.

I did not agree to any promotional rate, but only agreed to my APR staying the same as it already was for months prior to October. How can you call an APR a promotional rate if it stays the same as it was before you tried to raise it? I only was aware that it was called a promotional rate after you sent me a letter stating the agreement from the conversation. I repeat, I did not accept a promotional rate, but accepted my APR to stay the same as it was for at least 6 months instead of going up to your ridiculous, astronomical, rate.

I hoped that by the time 6 months were up the economy and my financial status would be better, but if not the new credit card laws would be in effect which state that you can't raise my APR for no reason! Calling it a promotional rate, it obviously just a term you are using to find a loop hole in the new credit laws to raise my rate for absolutely no reason! I am onto to the credit company scams and you clearly are trying to scam me.

You are leaving me with three very horrible options, none of which are going to help you make money. In fact, the options you are leaving me with will cause you to lose more money, when you are stating you need to raise my rate because your company is losing money, so what is the point of being a bully by raising my rate? Option number one is I have no choice but to deal with your horrible, unfair APR increase which will force me to either have no money at the end of the month for food for my family.

So, as you can see the best option is to leave my APR, the same so I can continue to try to pay off my card, continue making payments on time and you continue to make a profit from me. Do you really want to raise my rate and be not only responsible for your company losing more money, but responsible for leaving my family with no money for food at the end of the month and my young 1 year old son watching his mother sink into a deeper depression (since I already suffer from that and anxiety due to where I was and what I saw on 9-11) because I can't provide for him the way I thought, hoped and dreamed about!

If you can honestly look yourself in the mirror and do something like that to a young innocent family just starting out and just trying to get buy in this difficult economy, then fine, but it will not be done quietly. I will not give up and will have no choice but to send this letter onto to such people as our New York State Attorney General Andrew Como, 7 on your side and many others. So, please for both of us, I am begging you to not raise my APR. Please contact me personally as soon as possible regarding this matter, so we can discuss it appropriately as two mature adults just trying to get by in this tough economy!

As you can see from the letter above, I suffer from anxiety and depression and this issue is making it so much worse. I am emotional drained and feel my blood pressure rising anytime I try to speak with them. Then I get off the phone and cry in front of my son, which I do not want him to see me like that. However, the thought of not having enough money to put food on the table next month when the APR on Citi goes up is killing me!

I was livid. I couldn't believe one of the financial institutions that my tax dollars had helped bail out was now bending me over and ** me even harder than ever before. Their excuse was the economy, tightening their policies--aren't they the ones who got us into this mess in the first place by being part of that mortgage crisis?

The nerve Citibank has after everything the taxpaying public has been forced to endure—unemployment, layoffs, upside down mortgages, government cutbacks in social services—how can they be allowed to rape the citizens who are barely able to make it? It's just wrong. It's unethical and it should be investigated and regulated. I will never do business with Citibank again and any other cards I have that are connected with them are going to be paid off and closed. Jacking up peoples interest rates to nearly 30% while they are borrowing the money from the Feds at less than 1% is just un-conscionable. This is literally embezzlement from taxpaying citizens and it should not go unpunished.

I then asked Citibank how I could repay my debt and they said to me that all I had to do was to transfer my money from my English account directly to the Citibank account, specifying my card number, each transfer costs me 9 in average. I have done this for months with no issues until my HSBC bank in London has informed me that the bank details I was for Citibank were wrong. I have contacted Citibank with insistence to get the new bank details and after pains that make Dante's inferno look like a playground, they have eventually been able to let me know the right bank details.

Last month as usual, I transferred money on the Citibank account and as habit, I called the call center after a few days to check that the amount had been received and debited. The operator confirmed so and asked if I needed to send a fax to confirm. He said it was not necessary as it was all OK. The operator refused to provide me with his full name as he said that this was not legal.

Meanwhile, I had sent numerous faxes to Citibank to understand how I could deal with my card since I live abroad (I asked them to stop sending me letters to my Italian address as this is an inconvenience for my family plus I have to pay for them when all I do is to check my account online I have asked them to update my file with my correct telephone number in the UK to stop calling me in Italy as this means that my parents have to call me back every time at their expenses; I have asked to be contacted only on this number or, if not possible, by email, for free).

Last month, checking my account online, I have notice that 20 had been debited for a delayed payment. This had already happened in the past and the money had been credited back to my account as it was Citibank's fault. I have called the call center to clarify the situation but they have not helped me except for saying that this was correct and despite the previous conversation I had had with the same call center. I have then sent faxes again to clarify my position and the following have happened: I have first been ignored for weeks.

As the fax number I sent was increasing, the operators have started calling my parents in Italy, despite every fax reporting my correct contact details. During a phone call, the operator told my father that it was not possible for them to call me on my English number. This was a lie, as because of the previous wrongly debited amount by Citibank (20) the operator had indeed called me on this number to inform me of their mistake.

Then the operator told my father (as you can imagine not a young man) that it was possible to call me here but he had tried with no success - another lie as my phone is always with me in the office and with excellent reception. After my parents' call, I have called myself the call center to find out, baffled, that no notes had been added in the system about my issues and not even about my correct contact details. The operator was not aware about anything.

Today, after I have sent numerous faxes to Citibank and after months have passed, I have eventually received a phone call. The operator said to me that I just have to pay for the 20. I asked him about escalating my complaint and to provide me with an address where I could send it and he said that all I could do was to call the call center that I suppose is still unaware of my pain. The operator then hung up on me and called back saying that the line had gone bad, another lie. What has gone awry, meanwhile, is a customer's patience. I think the entire Citibank situation has now driven me mad. I am so angry that I cannot find the strength to phone center. My parents are worried that for a modest sum to pay on my credit card I will become a bandit.

I spoke with a supervisor who indicated there was nothing that could be done. I filed a complaint with the NYS Atty. General, OCC Case # 01062990. I received a letter from Terri H., Presidential Communications of CitiCard soon after. The letter referenced "an inquiry on my behalf" from the Comptroller of the Currency regarding my account.

I was advised that CitiCard considered a number of factors when changing terms and what was needed by CitiCard in order to continue to provide consumers with credit, current economic conditions, challenging market conditions, cost of doing business and that I did not opt out of these terms in November. She encouraged me to call her. However, she never answers the phone or returns my messages. I have called a minimum of eight times, left messages, phone numbers and times to best reach me. She has never contacted me. Again, she signed her letter as being from Presidential Communications.

As to this card, I was late and a 29.9% interest rate was applied in arrears. Having paid what was requested the next bill had a minimum payment that was just short putting me back over the limit. I do not dispute that I owe this - I am sure that there was some fine print on the tiny insert that allows this - I did read them because I had trusted Citibank as an institution. With that aside I believe that both Colorado Law and Federal requires them to cease the phone calls if I tell them to. I am experiencing economic loss and psychological damage. I am nervous and on edge constantly.

I clicked that month's statement to find out what the charges could be (I hadn't charged anything else to the card). It was all interest, apparently residual interest. Not all credit card companies to this, but apparently, Citibank has to stick it to you one more time even when you pay the "full" balance. It isn't actually the final amount. They come in and add some additional interest to the amount that you have already paid off. Now that is a practice that really stinks worse than their lousy interest rates. With this move, Citi has made me a Chase customer for life.

Their interest rates are far more reasonable for someone with my high credit rating, and their reward programs are unbeatable. There was no economic or physical damage, other than the potential that I could have missed the payment since I thought I had paid the final amount. It is a very deceptive practice to add this residual interest after a customer pays in full.

I called customer service and the person online tried to give me an explanation that the charge was 'written off'. I then said, "Why would you just write off a 'credit' in my account?" She then tried to say it was from a charge in January (only because the amount happened to be the same). I then advised that the charge she was talking about had hit my Jan 2010 statement. And "why" would it be charged again on the Feb statement. She then put me on hold and the next person on the line was the Supervisor (I guess because the rep couldn't answer the error?).

The Supervisor then tried to tell me that Citi had gone through many changes, and updates to their system due to the new federal laws and the data on my statement (the credit balance I was showing) was an error. I then asked if this was a firm wide system outage, why wasn't there a notification on the website or an email sent to clients? He then said, "because no customers have asked". So, what you mean is you won't do anything proactive until customers "advise Citi" that their information is flawed?

I then asked him to provide me with a corrected statement. He said he didn't know if he could, which leads me to believe that his explanation as to the cause of the error is probably not 100% truthful. What this supervisor didn't anticipate was being on the line with a client who was well versed in this industry, as I have worked in the Financial Services industry for 10+ years. I then said, "Legally you are required to provide me with an 'accurate' statement." He then replied that he would send one out and I should receive it in 7-10 business days.

Warning to all: Be very aware of all activity on your Citi accounts, as they have been pulling a lot of changes in the past 2-3 months. They more than doubled my rates on two cards, without notice, advising that they sent a letter. My account is set up for automatic paperless statements, so why would they mail a paper document to me (which I did not receive; I "only" received a copy "after" I called to complain about the rate)? I have never been late or over the limit. They proceeded to apply this inflated rate to my existing balances rather than applying it to future balances. I paid the balance off, to avoid the insane 29.99% rate, then they reduced my credit limit from 18k to 2k stating that 'per my credit report' they needed to do this. My credit scores are in good shape. In fact, they are much higher than when Citi first gave me the 18k limit over 5 years ago. Citi clients "beware". Watch everything on your statements/accounts or you will get hit hard. This now applies to clients in Good Standing as opposed to delinquent accounts. I have paid off the balances and am ending my 7+ year relationship with Citi.

The increased APR changed my rate nearly 300% resulting in interest increases over $500 per month (that is an additional $6000 per year). It also increased my minimum payment from approximately $250/month to $900/month. The only alternative Citi provided was "freezing my rates" and then they would treat the balance as a loan and in my case, the minimum monthly payment due would have been even higher than leaving it at the inflated APR. They also advised that the card would be reported as "closed". When I asked how that would reflect on my credit scores/report, they advised that they were "not" credit experts and could not give me that information. I asked, "yes, but aren't you the ones that will be reporting this to the reporting agencies?" They said "yes" and I said, "well, then you should be the ones to tell me how you will be reporting my account". They continued to tell me they could "not" give me this information.

Citi contacted us to tell us that they were almost duplicating our APRs on the credit cards. We obviously and forcefully complained, but their reply was simple: In order for Citi to continue doing credit card retail business, they must raise APRs. Simple as that. Even if this is true, why are we responsible for that? Why do we have to pay for Citi's mistakes? Plus, they've received a lot of money, our tax money. So it seems we are paying twice: with our bailout money, and now with the APR increase.

This is total nonsense; big business continues to win and middle America continues to lose. Citi conveniently raised APRs before the new rules in the credit card business came into effect in January. Our APR was conveniently raised on December 31, 2009. This is a joke and an insult, not only to my family but to the US Government. Not only that, but the US Government is so naive that they now claim they've fixed the industry, which is a joke. This is proof that big banks continue to do whatever they please and only think about their bottom line and not about their customers.

They claimed that they sent me written notification and gave me 60 days to reply and that the time to dispute the changes to the terms had passed. While I claimed that I never received any notification, I was requesting they close my account and revert back to the original interest rate. It seems like a simple request, since no new charges have been made to the account since the terms have changed. I was told that it was too bad and that there was nothing that could be done.

I know that congress has passed legislation to stop these companies from doing this, and so do they. The "spirit" of this law is that it is morally wrong for them to charge exorbitantly high rates to the very people who bailed them out of near bankruptcy recently. The problem is that these companies know this too. And they have the attorneys on the payroll to find the loopholes to get around the legislation.

It does not take a very strong moral compass to figure out that if there are laws prohibiting something from happening, then it is probably wrong in the first place! How can they not see that the majority of Americans felt that companies should not be able to do this kind of thing to their customers? And if they do see it, then how can they still go through with these kinds of business practices?

CitiCard is the epitome of the corrupt big business that does not care about their customer--only the profit they can provide! I am appalled at the way my husband and I, loyal customers for years, have been treated! I will tell everyone I know how intrinsically evil this company really is!

I have never been late and have always paid over my minimum payment. I am trying to desperately get out of debt while these large corporations continue to rape the American public while they make their millions of dollars and collect their bonus. My wish is they all collapse and go under. My credit union would never treat me this way. I am getting closer to entertain the idea to file bankrupt.