CitiCard Reviews

I’m extremely disappointed with Citi Bank’s customer service, especially regarding my son’s recent experience while traveling with his Citi credit card. I had added him as an authorized user on my Mastercard for his trip, expecting seamless access to funds. Unfortunately, that wasn’t the case. The issues began when he tried to pay for luggage with JetBlue, and the card was declined. He immediately contacted me, and I reached out to Citi customer service. The representative struggled with English and claimed the problem was an "incorrect address"—a puzzling response since no address is needed for a physical card transaction. At her request, I called my son on three-way to try the card again, and it was declined once more. She couldn’t resolve the issue, forcing my son to use his debit card, leaving him with barely enough funds.

They sent me a card with my old name. I called to fix it, and they want me to send a handwritten letter with my card #, my signature, my photo ID and the reason why I'm changing my name. How messed up can you be? There is no excuse to #1, get my name wrong. And #2, to expect me to jump thru all of these hoops, that jeopardize my security, to fix your mistake. Nonsense.

I got a Citibank card for the airline miles. I set up autopay and went on with my life after a while. My card I had set up auto pay with was compromised, and the bank had to send me a new one. I continued to me manually. Make my payments on time every month until Citibank. Closed my account due to too many declined payments, even though I made my payments on time, I did not know how to remove the compromised card and every time their system tried to take a payment off of it. It was declined. They considered that declined payments and closed my account. I paid them in full and got a zero balance on the screen.

I've had a Home Depot card for a couple of years now. Recently, I had to change banks because my bank closed several branches in my area, causing me to drive over 30 miles to the nearest branch. I opened accounts with another reputable bank locally and have been gradually switching all my payments to come out of those accounts without any issues. UNTIL I made my Home Depot credit card payment with the new account. The payment was made on the 21st of October and cleared my bank on the 22nd of October. Home Depot or Citi Bank (I'm not sure which one) has withheld the payment from my available credit for over 10 days. While I understand the need to minimize fraud, this is the most illogical thing I've encountered in a while. It's time to move away from credit and convert all purchases to cash. Cash is king, and I don't have to pay some foolish bank interest for inconveniences like this.

CITI bank customer service makes it almost impossible to inquire about charges/fraud issues. They compound the problem by transferring you multiple times until you finally give up. When they say they are researching a problem, I believe a computer actually generates a response. That is the limit of their research. They appear not to care about fraud charges and make no attempt to help the customer figure out what is happening with unauthorized charges. My issue developed when they renewed a membership that I had closed. They could care less. I wasted hours of my time. I would not apply for this card if you are anticipating the need for a helpful customer service.

The management team at Citibank is incompetent, disorganized, and lazy. I called in about a double charge on two credit cards, one on my citi bank card and one on my US Bank credit card for the same item from a vendor. Citi bank urged me to file a dispute through them rather than to allow the vendor, who agreed to refund my money, to send me my money/refund via a wire transfer. While I agree that a refund on my credit card was the best option, the vendor said they were not able to refund my card because it was an international transaction. Citi bank asked me to submit documentation proving my case (i.e., email thread with vendor acknowledging the double charge and agreement to refund me the money; and a bank statement showing the double charge with the vendor's name), which is expected. I provided the requested documentation. Citi confirmed that they received the requested documentation.

Their customer service is just awful. I have had my card used fraudulently and thus canceled twice this year. This time they identified the fraud right away and canceled the card, but addressing the reversal of charges has taken 4 phone calls, including one call when the agent simply hung up the phone on me and another when an agent gave me a completely incorrect number for the fraud department. They have apparently offshored everything, and their agents have little knowledge of procedures or of English. If I can ever get this fraudulent charge sorted out, I will cancel this card and leave Citi altogether.

The worst customer service ever! 4 calls regarding fraud on my credit account they alerted me to and I'm still waiting!! On eternal hold and only for 30 minutes and someone with be with you? Right/wrong. Don't use this company if you're on travel and have a problem.

Citibank Mastercard was great until I had a problem. I was conned and reported it to them, the local pd, my bank, the Federal Trade Commission, had freezes put on credit reporting. When first cancelling my card and telling them my story, it was no problem because the transactions hadn't even been processed. I called the next day and they almost laughingly said they cancelled the charges. So I didn't owe the money. A different story 2 days later. They then gaslighted me constantly, sending me a letter or bill saying I owe the money. I call, I'm told I have a zero balance. Then I started getting transferred from one person to another. Today, 2 months later, I spent 52 minutes on the phone with the specialist department where they assured me they have no EthicsPoint number, they don't know what it is. I already had the number. So more lies.

False advertisement on their credit cards. I applied for the 0 interest for the first 16 months credit card to get out from under a care credit account (both are crooks, stay away from them). Well they didn’t give me the 0 interest and trying to resolve the issue with customer service of course they don’t know what I’m talking about. False advertising and trapping a customer under false pretense is a law suit in the customers favor.

I paid off the balance they quoted but somehow there was 23 dollars more interest. Why do they say you are paying the balance and you are not, they do not hesitate to increase your interest but when you close the account or try to they are very willing suddenly to lower your interest. If you do not pay attention, which they are counting on, you can get charged unknown junk fees. I am so glad to be done with them. I believe I closed the account but who knows for sure. I am forwarding this to the State's attorney general.

The worst card ever. They charge interest on a card that was paid in full. I paid the balance and they still charged interest and their reason was it was for the time between the billing statements. Absolutely crooked’. WILL NOT USED THIS CARD AGAIN.

Citi Card NYC, has been perpetually been threatening me via USPS with harassing letters thru Costco Citi and Home Depot Citi etc. I am a mental basket case because this constant harassment by Citi Cards in NYC. My Psychiatrist and psychologist have advised me to take this further with a lawsuit against Citi Cards NYC. Any advice on this matter is truly appreciated. Namaste

I have had a Citi AAdvantage card forever, and it's been a sadly declining quality experience. They seem to get hacked a lot. They will randomly lock me out of paying for legitimate purchases even vendors that I have used before, but not catch actual fraudulent charges. I can't access but a few months of statements online - not even one year's worth. They no longer have any annual statement that you can download to Excel. The Best Buy Citicard is even worse based on the website. I don't think that one even offers any kind of annual statement. They are simply not keeping up with the times.

Don’t get a Citi card unless you like having fraudulent purchases on your card. I’ve only ever had that happen to me with Citi, no other brands. I think Citi lets it happen so they can try to get you to pay for more protection. This happened once with my Citi double cash card, then again with my Citi custom cash card. Except with the custom cash card there were SEVERAL fraudulent purchases over a couple days. Both times this happened, I hadn’t used the cards for quite a while, I even shredded them to keep myself from using them. And I didn’t have them saved in my phone. I protect my info carefully, therefore I feel like this was an inside job. Beware!

Citi sent my balance transfer to the wrong address. For nearly three weeks I have been calling customer support for help. Worst customer service ever!! Citi reps are woefully untrained at effective communications and problem solving. Several were extremely rude. None have followed through on the actions I was told would be taken. I finally arranged a conference call with Citi and the other creditor to try resolve the issue. The rep from the other bank was so appalled by the rudeness displayed by the Citi supervisor, she felt compelled to apologize on their behalf. Not a good look at all Citi.

Was trying to get a tsa pre check through Gov plus .. they have you fill out forms, charge the customer.. and set you up as a revolving account (without your knowledge). When youth the fingerprints office they tell you that you shouldn’t have paid any money (you were rerouted to another site). You have to pay them $78 for your fingerprints. My daughter got reimbursed by Navy Federal without any problems. Citi took months and they denied my dispute. I have been a customer for over 18 years and I'm considering closing the account. Customer service is really gone down.

I received mail stating that I could apply for credit card with a credit limit. When I applied, they prove me for a card I could deposit money on, which is not what I wanted. They refuse to void out the application and caused me to have a hard inquiry on my credit score. Customer service sent me to one person and then another and overall unprofessional did not appear like they knew what they were doing. Worse card I’ve ever applied for. Do not Recommend.

I've had a Citibank Credit Card for many years. My balance has been at 0 for the last several. This Aug I was threatened into buying gift cards and giving the numbers. Afterwards, I filed a police report giving them the cards. Contacting Citi. The next day, was told by Citi, I didn't owe the money as the transactions had been canceled. Since then, today Sep 23, they have made me a ping pong ball, I owe, I don't. Was given a confirmation number to give if was told I owe. Today, Sep 23, received bill, called, a different security advisor told me basically that it couldn't be true, no confirmation, no notation anywhere of not owing the money. Citibank does not have a Consumer Advocacy Group or Unit.

I also would like to give them zero stars. This is some of the absolute, hands down worst customer service I've ever experienced. I paid for an event on my CitiCard which was supposed to happen in April of this year. The event was cancelled the day of by the merchant. It's now the end of September and I am STILL trying to get this dispute resolved. I have spoken with Citi many, MANY times since April and each time I have to give the whole story all over again about how the merchant cancelled the event and I never received the service. They do not seem to have a comprehensive system to input and update information. In fact, they don't seem to have any system at all.

I opened a Citi card for the sole purpose of transferring my balance from another card. With a very high credit rating, I received a $3,000 credit limit. I haven't received a credit limit that low since I was in my twenties. Further, when I called the customer service department, they were not helpful and they were rude.

I thought that when the leadership and a female became the CEO that CITI might become more customer focused and improve their level of customer service. If anything, it has gotten worse. The company ignores the needs of the customer even though they can easily meet the needs. Here are the details. Because of a really good offer, I opened a Citi-Shell card. I was given a minimal limit, less than is what on my Sears Citi card that I do not use because Sears has closed all the stores near me. My credit score is greater than 800.

Citibank withdrew (stole) money from my deceased wife's checking account. They withdrew payment for unauthorized charges after her passing, which I had disputed as the authorized user. They promised to take care of it. But instead they just closed her account and never issued the refunds. Shame on you, Citibank! I don't put nothing past you Citibank.

The customer service at CitiCard is terrible. My credit card received a refund from a reputable company on Aug. 22. I called on Aug. 23 and was told they "didn't have it". I called again on Aug.28 and was told the credit was "under investigation" and it would be for 4 -6 business days. I called again on Sept. 3 and was told it would be sent to my checking account after Sept. 6. Again, I called on Sept 8 and was told it was still under investigation. Now on Sept. 11 they say it will be another 3-4 business days. This is ridiculous. What terrible service (like none). I can't seem to get the money that is owed to me. I have closed my account with them and am still waiting to get my refund.

If I could rate this at a ZERO I would. I use this credit card often. NEVER AGAIN. If it means canceling my Costco membership I will! I needed to dispute a charge. It took me 30 minutes to actually talk to someone. She quickly transferred me to a supervisor. She disconnected me! Same thing all over again. Talked to someone. They can't resolve it. It's pending and can't be disputed. JUST CANCEL IT AND REVERSE IT!

I was unable to update my expiration date for my Citibank credit card in Apple Pay. Per Apple support, they said I needed to delete my card from Apple Pay, then add it back. They sent me to Citibank. Citibank spent an hour after escalation, not be able to help, then sent me to Verizon. Verizon tried to clear a flag for an hour, and I still couldn’t add my card back to Apple Pay. So, Verizon sent to me Apple support.

EVERY time, for about 14 years now, I've tried to redeem my points there is ALWAYS a problem, error or something which keeps it from going through! EVERY TIME!! I just got offline trying to do it myself w/o having to speak with customer service for 32 minutes and they just put me on hold until I gave up. I believe this is a tactic of theirs to get the customer to just quit trying so Citicard can just keep your money! I know this sounds hard to believe but that's been my experience. Terrible customer service in the redeem Dept!!

I have been trying to resolve the issue with 4 payments I made to my Citi Bank credit card for 1 1/2 years. I call every day and get nonsensical excuses. Now, no supervisor can give me a clear answer as to what happened to my money. Also, in July my balance was at $0, and now it turns out I owe the bank almost $1000. I haven't used the card and no one can explain to me why. I need to talk to someone who can actually fix this. I have 3 credit cards with this bank and I am determined to cancel them and never use them again. Don't let them scam you like they are scamming me.

Getting a person on the phone with this company is very difficult, and even when you get someone, they are reading off a script, talking over you, etc, and when the call is over, your problem is NOT fixed. To boot, I was calling to complain about their pathetic cybersecurity controls. They don't care, and then they refused to deactivate my card. They literally refused.

I'm highly disappointed with Citibank (Costco Visa). I have set up online payments 3 months in a row to pay my balance off each month. Then I get an email (each month) stating that I have not paid my payment yet and it's late. I was then chased a late fee which one of them they removed and the rest they will not even though this was not my fault that their portal isn't working correctly. I spoke with a supervisor about this problem and He actually was so rude to me and hung up when I had asked him his name.