Citi Credit Cards Reviews

I have an unresolved billing dispute of a counterfeit product from China which I have never received. I was bounced from one department to another, and the customer service is so poorly trained. First of all, no one is able to take a proper report. I called more than 10 times and had to repeat my story over and over. No one at CitiCard is able to take a simple, accurate report. Their level of incompetency is appalling. Once I was on hold for the billing dispute department for more than one hour. I had to hang up countless times because of the extreme long wait. Second, the billing department staff is totally inept. A supervisor promised they would provide the dispute result in 3 working days.

Citi has instituted some of the most punitive measures in the credit industry to combat abuse. Unfortunately it puts a huge burden on users to provide multiple authentication interfaces for seemingly simple transactions such as food. It will issue paper confirmations on account blockages for up to two weeks. Stop Citi from doing more business in the US.

I do NOT like the card and mostly its online option - nothing that would fit the interests of the customer. Why on the Earth they placed the limit on the quantity of payments during the cycle? Neither one card does it, as I know. But this does. And you know why - so we, customers, would NOT be able to pay off the balance before the cycle would expire and THEY would earn the interest. Is it fair?

We contracted with a company to move us long distance. The day before they were to move us they cancelled and still haven’t refunded the charges. Citibank string is along and now say it’s been too long. Won’t help us. Terrible customer service. After multiple calls and lip service they said they would credit $100 for my trouble. It’s a $2000 charge that the BBB has deemed a scam. Terrible customer service.

I have been with Citibank for almost 10 years. I sold my house and decided to pay off 3 credit cards and close my accounts on all three. I have had no issues with the other two credit cards, they are paid off and closed without any problems. With citibank credit card, I spoke with a representative and told him I wanted to pay the account in full and close the account. The same as I had done with the other two credit cards. The account was paid off and closed the same day. 2 months later I received a bill from them stating that I owe them $200.00 in interest and late fees. I called and talked with several people who all told me different reasons as to why I still owed them money, though I paid the full balance and closed the account the same day and no charges were made to the account since it was paid off and closed. I will never do business with Citibank again.

Do not ever use CitiCard. Has to be the worst credit card company I’ve ever used. They claim to Back you up with your purchases that you are not satisfied with. That is not the story at all. My advice go elsewhere.

When you pay a hefty annual fee, you expect some benefits. Promises, promises. Just TRY to take them up on any of the offers and they will either flat out deny it or make something so time-consuming it's not worth it. They have a way of just wearing people down. I had a classic case of trip interruption (stranded due to California fires last year) and tried to make a $350.00 claim. They denied it. I called to ask why. They said, "You really do have a case, let us review it again." Denied. No reason. I don't have time to make weekly calls. They make it very difficult to claim the 4th night free. You have to deal with a person who may or may not make your reservations, but one thing's for sure, it takes a mininum of 10 emails or 5 phone calls to make one simple hotel reservation happen. Like I said, if they do it.

I have had 3 Citi credit cards since 2011. My mailbox was broken into and they stole my balance transfer checks. So I called to put a hold on them. They said they would mail me out new cards immediately, I explained I was going on vacation the next day was afraid since mailbox already got broken into, can I call in 10 days so they can mail them when I got back, they replied yes no problem. I called last day of vacation and they said all my accounts were permanently closed, and they couldn't re open them, but now my age of credit goes down as well as amount of credit I had on my credit score. Why would I want to re open an account with Citi. My Amex card was also stolen same day not one issue with Amex. Was handled professional and with sympathy. Amex it is. Citi never again.

Citi is in business with Sears who is in financial trouble. After Sears accepted and picked up a return item I never received a refund. Place in dispute - Citi never asks me for info and all the sudden sends me a message they are going to side in favor of Sears who they have loans to. Conflict of interest hits consumer credit card so Citi can prop up its destitute client to help Sears make payments at its individual card holder expense! FTC hello? I have now forwarded additional info proving Sears picked up and accepted the return. Will Citi make this right or continue to improperly help its deadbeat client repay its obligations to Citi? IF YOU HAVE A CITI CARD BEWARE!

Unfortunately I have HAD to use Citibank travel cards for quite some time. Being in the Air Force and traveling we are required to use it. However, I had such a bad experience with Citi that I completely stopped using the card and just started paying for travel out of pocket. When the time came to file a travel voucher I would just have the expenses go directly to my account and skip using Citibank. It got to the point to where I had a credit on my card for around 200 dollars or so. This stayed on the card for quite some time; eventually the card expired.

I am beyond angry, for a lack of better words. I will take this to the the Attorney General! I’ve banked with my credit union 5+ years now, which means I can recite my routing & account number backwards. Each month I’ve made a payment using the app, it initially shows it went thru, great right. NO! 3-4 days later, the payment was returned and I was charged a fee. This happened each for 3 months.

I have had to call Citibank 4 times to resolve a mistake made by Citibank on a new account. I have been given false information. I have asked to track down an unauthorized check Citibank issued, and the issue still has not been resolved, even after speaking to 2 supervisors. I'm very sorry I signed up for a Citibank card, this bank is impossible to deal with.

I've been using the Advantage card for over 20 years now. I had a balance transfer with zero-interest for 12 months. I have set up an automatic payment but overlooked that it was due January 2019, today they charged me a total of $741.30 and I spoke to the Account Manager to see if I can pay the full amount and recover some of the interest charged but they refused. In other credit cards, they usually send notifications if the balance transfer promotion rate is expiring, in CTTI nothing like that happened and I was even blamed for not checking the statement monthly. Needless to say, they lost another valuable customer and I will not ever give them my business because compared to Amex Blue Card, Chase Sapphire, and Capital One's Cashback, Citi Advantage Card is was inferior and it sucks as far as rewards are concerned. Take my word for it.

4 and half hours on the phone with this incompetent company. 6 different people in different departments. We got a new card in July then they made a new card in August with notification. We are traveling so never received the second card. Transactions were doubled on both cards even though the second card was never activated. Rang them to fix THEIR issues. 1.7 hr. Cancel new card and leave old one current. "Yes Sir your card will be OK till Oct 15." Next morning our card did not work!!!! Rang again. 1.5 hr later with multiple security issues (They wanted to send a letter A LETTER). We are not at home!!!!

I have had the card for a year or so, and roughly spend 3-4 k a month on it, and always pay it full. One payment was few $ short. It charged me interest for two consecutive months since that point, despite being paid in full for two month. Citi customer service says that's the agreement! It made me feel duped! I won't keep the card, as it's not necessary and I have better options.

I was told I had been selected to try a a set of custom made Fairway Woods and as a bonus for rating them online I got to keep a driver. If I wanted to keep the woods I would need to pay $159 each and could still keep the driver. I have Callaway Big Bertha Fairway Woods, and a Ping custom fit driver that I already love, but I thought, hey why not check them out. I agreed, and the person asked for a credit card to keep on file which is normal considering they were sending me the clubs and what if I didn't receive them? The salesman, charged my card for all of the clubs and when I called to ask how to send them back they kept telling me I needed a code and hard selling me new items.

Recently I just got back from my cruise. I realized it the Cruise Line put a credit hold that had not falling off. So after about seven days I called the bank and they told me that the holds would not fall off for 30 days which I thought was a bit crazy. So I contacted the cruise line and then the cruise line and I contacted the bank so the cruise line could give authorization numbers to the bank to manually release the holds the bank said no. Never have I dealt with a Bank they didn't go out of their way to help their customers.

As soon as I received my card, I went online to set up my online account. Their online system must have been glitching, because I input my information correctly and it was telling me that my information did not match their records. I called customer service to get help setting up my online account. They were able to send me a text message, verify my identity, and help me set up my online account. After using my card twice a fraud alert was put on my account and my card was locked down. I called customer service about the alert and they were now unable to send me a text message to verify my identity, which I do not understand, because they had just sent me one in order to help me set up my online account.

Requested older (2017) statement. Received email from CitiCard that it is now available for viewing. It isn't. Tech support says it's because I'm using Chrome browser and must switch to Edge. I do... Still not viewable AND NO FAILSAFE MEANS OF PROVIDING THE STATEMENT (email or snail mail). All the above with Windows 10. One hour of my time wasted. Heaven forbid I try this on a machine with W7. EXTREME DISAPPOINTMENT with CITICARD.

The app doesn't let me to give 0 stars. For the bank of these kind I would give a big zero. I have been a customer for 10 months and when I opened the account I have requested for a credit like of 5k and these ** gave 500 and you guys would be shocked by my score. It's 740+ and these dumb ** gave that limit. When I complained about this they responded in a very rude and horrible manner. But since I have the card and my usage is way too much I used to pay like 3 to 4 times in a single month because I only have a limit of 500 and I have made every payment on time and before time. They never increased my limit and finally after 10 months when I tried to increase the limit when my score is over 700 and the answer is no.

Citibank is enrolling customers to receive online statements without customer consent or knowledge, conveniently before promotions expire. I'm old, paper statements are a reminder that helps me pay my bills. Paper statements also remind me of expiring promotional offers. I have been a Best Buy card holder over 9 years, in that time I have never made a late payment or payed an interest charge. I noticed that I was not receiving my monthly statements. I called customer service and asked why I have not received a bill, the rep mentioned that I signed up for paperless statements online. I explained that I never signed up for paperless statements and he insisted that I did. I requested that feature be removed from my account so that I can go back to my paper statements.

I have loved using my Citi Simplicity card, so I thought I would open a checking and savings account with Citibank, and it has been my WORST banking nightmare. They currently have all of my money frozen in my checking/savings accounts, and I have been denied access to any funds. I cannot even log in on any device including the internet browser to view any activity that has occurred on MY accounts with MY money.

I have been a loyal customer with Citibank for 20 years. I have paid all bills on time and have an excellent credit rating. I have had multiple different cards over the years. Citibank just “expired” $1201.41 of my cash back (rewards dollars) on 8/13 due to account inactivity. I was never notified that the rewards had an expiration or card use requirement and had been saving them to cover expenses related to a trip. It had taken over 4 years to accumulate them as the card issues a maximum annual cash back of $300. I called to dispute this five days ago and was told a dispute had been generated by the manager there. I called back three times this week to verify this and was told each time that the dispute was in process and I would need to check back today 8/23 to find out the outcome.

I have been a Citibank customer since 1995 which is 24 YEARS! I just received a letter advising me that my credit card account had been CLOSED. I called to ask why and was advised that it was due to me having a 0 balance and due to inactivity. I asked the lady, what if I did not want it closed and she advised that I could REAPPLY for a new card. For the record, I put a child through college on this card and have paid Citibank 10's of thousands of dollars. I have just managed to get it paid off for the time being. I advised the lady that I was not interested in REAPPLYING for my card. This is the most insane thing in the world. 24 yrs customer and they are telling me to take a hike. That is the worst customer service that I have witnessed in 60 yrs. No thanks Citi, I will go somewhere else. P.S, my current credit score is 814.

First of all we have to wait for too long to connect to a Citibank customer care, after connecting once the issue was explained call got disconnected again. I called and explained same issue to different person and call got disconnected. This happens to me every time and call cost is high, they do not even bother to call back. Never satisfied with customer support. Customer support is really bad and credit card charges are very high.

So Citibank decides to cut my credit limit on the 2 cards I have with them. I could understand this if I was late on my payments. (No not late on any of the 30 different accounts on my credit report! No late payments in the past 10 years.} I could also maybe see this if I was only making minimum monthly payments but then again NO. Usually making a payment equal to 3 times or more the min. due. They state it is because I used a couple of cash advances. Well excuse me my debit card was compromised so I used my other resources available to me until my card was replaced. And just for irony the same day I get emails from Citibank saying they lowered my credit limit I also get an email from another credit card company saying the raised my limit by $2500..go figure! To sum it up Citibank you suck!... I know not very eloquent but to the point.

I used Citibank card to book tickets and they decline my transactions and I called them and they told, "The company belongs to Netherland so we decline your payment." and I already confirmed with them in future any transaction with this company don't process, That company using another reference number and Citibank process the payment even without asking me to proceed the payments and I set up auto debit so they deduct from my account. Now they did not want to refund me even after number of phone calls and reminder, I also send them the evidence email that you decline the payment and later on they pass the payment without my knowledge. They cheat their customer. Stay away from Citibank. I will file legal suit very soon on Citibank. Never trust Citibank.

I just received a Citibank card approved with no problem. The problem started with my balance transfer. I tried to see what was taking so long. 2 weeks finally transfer went through for 6,000. 2 weeks later I paid 4,0000 on the bill. The same evening I tried to withdraw 700.00 from ATM. They froze my card. I called to see why when they just received my payment with no problem. So of course I'm upset because they requested a home phone number which I don't have so the card is suspended until they send me a letter to verify it's me. If it would not decrease my credit score I'd cut their card up and send it back with their letter. Thank god for Chase and Discover card. I've forgotten PIN numbers because of 7 different credit card. Never a problem verifying my identity over the phone.

I have not intentionally ever done wrong with creditors. This Citibank NA will file a lawsuit against you. They had transferred my spouse debt to my account without authorization. Now they want to take me for it. On top of the fact I lost my job and almost life because of abuse in the workplace. This company doesn’t care about people. Only money and they will come after you. Avoid this company even if you think you have no other choice like I did. Big mistake. Bad things do happen to good people.

4/11/19 Spoke to collections agent to see what they would do if I paid account in full. I was told if I paid balance of +$2600 they would refund late fees and interest in excess of $800 within two billing cycles. 7/18/19 called to see why no credited been issued. "July 1st our policies were changed." 7/22/19 called again, escalated, was told again "sorry", after being put on hold numerous times they credited less than 40 percent of original agreed upon amount. Would NOT have paid it off had I known Citibank would renege.

Citi insisted I replace my card even though it was just reissued and used twice with American companies. I refused. They are saying they investigated and can't find proof to rule my claim of fraud! I froze my card and a few weeks later, there was an online order made for $260.88. My card had been unblocked and relocked. Funny they didn't contact me about 5 duplicate charges in Singapore but they declined and notified me of charges in the UK. NO legitimate credit card provider would allow that from Singapore without a call. And there were no other charges from out of the country. AND I don't have a valid passport. In other words, no evidence to disprove my claim of fraud on the part of the company that calls me a liar.

I have a Home Depot credit card that is run by Citibank and recently in the month of may I had a balance of $202.26 and I paid off $202 with .26 cents left only. They didn't bother to send me any notifications of the remaining balance (they have my email and phone number!) and call me all of a sudden today 7/17/19 telling me they are collecting a debt of $106.26!!!! They charged me $106 for 2 month late fee?!!! Are you kidding me! And my balance was only .26 cents! On top of that the customer rep, Andrea, over at the home depot debt collection dept was so rude and hung up on me in the middle of a conversation! She was reluctant to transfer me to her supervisor and kept asking me to pay the remaining balance or I'd be charged more!!! Can you believe that!!! How ridiculous is this! Who hires these imbeciles! Worst bank to do business with! Scammers!

I have been a long time (20 years) credit card customer. I have recently (within the last year) opened a checking account and keep a small balance in it. I notified the credit card side that I would be travelling overseas for a month. Up until this point, I was able to access all of my account via the web or the mobile app. While in Europe, I signed onto the mobile app to make a credit card payment and realized that the only thing I could see was my checking account. My credit card accounts were gone. So, I called technical support. I did not bring my debit card to Europe with me as it would not be needed. I was told by support that I could not make any changes unless I had my debit number. It did not matter that I had both of my credit cards with me and I had my sign on information and security information.

Don’t use double Citibank credit card at all! They would closed your account and take away your cashback. They kept telling me the cashback was took away once they closed they account, and that is their business decision, "the business decision to take away my money?" I am trying to find the outcomes, not the explanations why the cashback became 0 even you closed the account.

I received a late payment notice by email yesterday on my Citi AAdvantage card for their $99 annual membership fee. I haven’t used this card in over a year. I initially got the card for a family vacation that was in December 2017. They offered an attractive signup bonus with miles and first checked bag free. However, due to me using miles to book my flight and being forced to book the other 4 tickets for my family separately, AA would not honor the first checked bags free for my family’s bags. This cost my family over $100 round trip which was very upsetting. 6/26 11:48AM PDT (approx 45 min call) Called Citi / AAdvantage 800# and spoke with phone rep. She couldn’t help me so she transferred me to customer service who transferred me to their manager Richard, who transferred me to his manager Eric - each time I had to explain from the very beginning what the problem was and how I was asking for it to be resolved.

Our Sears Mastercard is really a Citi Credit Card. My 87 year old mother went to use her card for a purchase under $75. It was rejected. She has been making her payment on time and over the minimum amount due. We call customer service and they said, "You haven't made a payment this (June)." We said we sent through our bank bill paying on 6/7, same method we been using and the bank said payment was sent and accepted by Citibank. The customer service agent said, "We have not received it. Would you like to make a payment? Check with your bank."

You might want to scheduled a full day to calling CitiCard customer service. And get your finger ready to hit lots of prompts before you get to someone that cannot help you. Then transfer to another group. I finally hung up. Maybe their web portal can help... NOT!! Glad I don't use this very often.

Terrible. I was a credit card customer for 16 years and since I didn't have activity on my account they closed it without ever contacting me. I have 2 other cards with them. All 3 over 10 years and never a single late payment. I asked them to not close my account and they said they could do a hard credit pull and open it back up. I said, "No thanks," I will do a hard credit pull with another company and move my business elsewhere. 16 years of perfect payment history and the thanks is basically a screw you. Don't waste your time with these guys, their customer service has gone downhill as you can see with all the lawsuits they are involved in.

Someone initiated a balance transfer to my Citibank card and customer service told me that there was nothing they could do. So, for the last 3 months, I've paid someone else's balance in order to maintain my credit! I called over 20 times to talk to different departments in hopes of some help with this situation. It was a fraudulent charge on my card. I finally got someone to open a dispute to investigate it. After 10 days, they closed the dispute and said they couldn't help me. I only found out they closed the dispute by me calling them - once again. They didn't even call or email me about that. Horrible customer service. I have nothing good to say about this company.

Had fraudulent charges on my account so they closed it and sent me a new credit card. They gave the credit card info back to the same vendor so now in my 2nd month of having this new card, I have the same fraudulent charges. What was the point of canceling my card if they still share my info? I don’t recommend doing business with them!!!

Citibank is not customer friendly and want to steal your money by imposing fees/penalties. Other banks do give one time exceptions but Citibank is one greedy bank. Very poor Customer Service, rude talking and also thick sense of racism (** supremacy). I have closed my Credit Card Account with Citi...Skip CITI for credit Cards.

I wish I could give 0 stars. They are fine when there are no issues, but try to contact customer service and it all changes. No matter who you speak to, there is no one above them to speak to. I was transferred back and forth for two hours and there was yet to be a supervisor and finally when they told me that they connected me to one, he was talking as if he was at the bottom of a well. I asked for a direct number to call and he, from the bottom of the well said they don't do that. I asked for him to call me back, and he from the bottom of the well said they don't do that so I cancelled my card and I am going to have them chase me down to get their money.

I have had nothing but issues since I’ve had a credit card through Citibank and nobody can seem to resolve the issue. Even after making 7+ calls and spending too much of my time and energy dealing with issues with not being about to use my card and getting declined with a zero balance. It’s ridiculous. I’ve never had issues with American Express or my Amazon card but this card is nothing but trouble. If I could give it zero stars I would.

Planning for vacation? Do you see cheap flights on American Airlines that you want to book? Well, don't bother applying for their credit cards! Their security measures don't allow people to have Temporary Cards/Numbers. Once you apply for a card and get a approved, you need to wait 7-10 business days to actually use your card. At that point, air fare costs will increase, causing you to spend even more on your credit card. I've applied to many credit cards from Kmart, Military Star Card, USAA, 1 from Comenity Capital Bank, and 2 from Synchrony Bank.

My card is being declined over and over, and all my payments being held (for security purposes). When I check the account online, the balance is zero, and card declined. I have accepted this for a while and just using another card, but it is unacceptable to me as a client that I have my purchases declined at cashiers, and that my money is being held at no interest, not even respect, for weeks.

Absolutely Terrible. Good luck with the dispute process. This company has horrible customer service that talks to you like you’re a piece of trash. They do not defend the customer. The process for a dispute is easily a full-time job. I had a receipt from the merchant hand written and an email showing exactly how much money they owed and they still failed the dispute and gave it to the merchant which is more than enough evidence than any average person would have. Horrible company that forwards calls overseas to rude people in other countries. I will never use them again. American Express and Visa here I come all over again. I would never deal with Citi and if that’s Mastercard's process I would never deal with them either. Not worth the hassle for the 2%. Better off sticking with a 1.5% card and not having to deal with them.

Over a year ago I bought a Moto G5+. After about 6 months the screen went blank. CITI extended insurance is supposed to cover you for a period of two years after the manufacturer's limited warranty expires, which in this case was 3 months. Twice I sent all of the docs CITI asked for, to the address they told me to send it and talked to them over the phone and yet, 8 months later, they still keep sending me the same request for the same information. These people are a joke! I believe now that this is how Costco got their sweetheart deal with CITI: Deny every single claim until people drop it and pass those savings onto Costco. I tried to find out who in Costco to call or send a letter to but all I get is their CSRs telling me they'll forward my complaint. Yeah, right.

I'll try to make this as specific as possible. I paid for an online certification which included a physical item for using their program. Turns out the certificate is not recognized in my state (not mentioned on website), and I didn't receive the product that was paid for that is clearly paid for on the invoice. No tracking number was provided and 0 communication back from the merchant. I asked for my money back from the merchant via email, since the number had no answer. They didn't reply, so I went to Citi to ask for my refund, since they're supposed to offer buyer protection. Citi went in favor of the merchant in my complaint. Citi contacted merchant, citi cited that the merchant claimed that purchase is nonrefundable and the product was sent. The product never came, no attempt by the merchant was made to resend item, and I have a certificate for a state I don't live in. I feel like I was hustled by both the merchant and Citi. Money and time wasted.

Had a fifteen minute conversation on the phone in an attempt to close my account. Finally they said they would. I received an an email today stating that my account will remain open on my request. WTF. Desperate company that I would never do business with again.

I love the Citi Double Cash Card. All you do is charge something and pay for it and you get 2% cash back. You get 1% when you purchase and 1% when you pay. It is that simple. You get in for your online purchases just like you do for your instore purchases. Customer service is second to none.

I applied for CitiCard double cashback to accrue the extra 1% for purchase my other rewards plans didn't cover. I'm satisfied with that aspect of the card. I'm disappointed that customers incur a late fee if they pay their bill on their due date, but in a later time zone. While I understand that this is likely referenced in the fine print and I appreciate the first late fee waiver, this is an overly-punitive penalty and clearly a customer-unfriendly way to accrue profit. At least two of Citi's competitors with which I'm familiar with do not impose such a strict policy. Fortunately, this seems like an easy fix for Citi's management. My advice to them is to pursue a more liberal interpretation of the payment date.

I have called 8 times in 90 days and examined to Citi that charges from Lyft are fraudulent on my card. They promised me 6 times that it would never happen so I finally called for the 7th time and canceled my business account after almost two decades and still after closing and after promising that I didn’t owe them one penny they still charged my checking account. There are several thousand worth of phony charges on my account and I finally gave up and told them I don’t care and I paid for it all. Now that CitiCard business is out of my life hopefully I would die from natural causes and not heart attack.

Ever wanted to make a Citibank credit card, until finally I had one, but the limit that I submitted was not approved as I want and after that I never opened or use the card for transactions, the fact that card activation process was directly from the Citibank side, its look like customer forced to do so? Okay after a while, and maybe 1 year or more, I want to close it. I called the Citibank CS Indonesia, the first thing I asked was "what is the reason I want to close the card?" Okay consider this is part of the administrative procedures. After a long period of wait, suddenly I connected to lady with a strict and direct speech, my request was rejected by her, but IDK who is she, maybe she is the head of CSR section or what, she explain to me why the card was rejected, and if there is a fee, then just call again next time. I can't refuse because the tone of the way she speaks is very strict and very dominant for me.

Every time I use the card, the fraud alert is triggered. I have spent at least 25 hours on hold in the past 6 months. I have logged in multiple times. I am the primary cardholder, not my husband. Nonetheless, even though I had 39,000 of available credit, I was unable to make a purchase at Target. I spent 20 minutes with Citibank and the 29 m minutes with Citibank fraud department.

I called Citibank to update my address and to pay my full balance in November 2018. I had not used the card since then and it expired few months later. This week, I was informed that I had an unpaid balance and several $29 late fees. After talking to them, it appears that there was a small transaction that came through after I paid the full balance. And it appears their employee mistyped my zip code. Therefore I never received any statements. Again, having not used the card again and since it expired, I was not questioning lack of statements.

This credit card company has unprofessional and worse customer service representatives trained only to collect money from the customers along with their system. I have been charged interest two months after I closed my account and a late fees for it without me even knowing about it, and they refused to take the charges out and reported it to Credit B as a late payment. It’s the biggest mistake to have a credit card with them.

My humble opinion and I believe the following: what a disgrace and I will never use another Citibank for banking or credit cards. They have failed me twice to protect my best interest to assist in credit card dispute. I will NEVERRRRRRRRRRRRRRRR do any banking with Citibank. I waste minutes going through user prompts to get hung up on then next call to Philippines where person I can't understand their bad English besides all the background noise. Then told they can't stop a merchant from charging my credit card in the future unless I change to a new account number and card.

I have had their cards since 2014 and have always paid on time. My credit is excellent. I received a notice that my account was overdue. I called Citicard and was told I had enrolled in paperless! I DID NOT. They insisted I did so I spoke to a supervisor and was told the same thing. I brought my account up to date and told them I was disputing this. My credit score went down 118 points. They speak to you from a script and just keep repeating lies. I explained I never switched to paperless and wanted them to contact the credit bureau and tell them I am disputing this. Today I received a letter from the supervisor stating I can disputing all I want but they have reported to the credit bureau that what they reported is correct and WILL NOT be changed no matter what do. Please, please, please don't ever apply for a CitiCard... They are lying, sneaking jerks.

I've had a Citi credit card for 11 years, and the last year has been AWFUL. It started when they were supposed to send a replacement for my expiring card and never did. Then when it finally arrived (after numerous calls), they sent an extra card. Then two days after receiving my new card there were "fraudulent charges" (on a brand new card???) so they they canceled my card and sent another one out. The fraud charges were transferred to my new card?! They're the ones who contacted ME about the fraud charges, and I was told those charges would be "under investigation" and credited back. And they would could back to me in 7 days.

My 95 year-old mother makes most of her charges on a Citibank American Airlines Mastercard. I pay her bills because she has both Alzheimer's and Parkinson's Disease. Imagine my surprise when I found out her account was "past due," but we weren't receiving any invoices. After hours of probing, I discovered that Citibank, without checking with anyone, decided to DECLARE MY LIVING MOTHER DEAD! Her account was turned over to an agency that handles deceased individuals and the next thing I knew, her credit card was being rejected with all her normal merchants.

Benefits are a joke. If you have something you just bought stolen, forget about them replacing it. They will find an excuse why they should not. American Exp. is much better card, and they do what they say. Too bad Costco changed.

These harassing non-stop threatening Non-Stop bullying volatile lowest forms of credit card life had the audacity to close my account without my permission when I only owed less than $5,000. Paid off half. Two weeks later they closed it making it almost impossible for me to make a payment unless I paid through them. Fortunately I am one step ahead of these disgusting pieces of you know what and I added them to my bill pay on my bank account! Look at what they try to make me pay for a minimum against the little balance that I had!

I opened this card with a $200 deposit to help build my credit. This was one of three cards I opened at the same time with the same deposit amount. A year later, after a perfect on-time payment record, one of the other cards was automatically increased to $2000 and the other I closed because they only increase with additional deposits. I called Citicard to cancel my secured card because it hadn't increased my score at all and as an attempt to save my account, I was told by the representative that my card was set to mature in a month (an exact date was given) and at that time, I would be automatically moved to an unsecured card and my deposit would be refunded.

After 30+ years being with them. I was charged 1230.13 for a mattress from Joplimo Mattress also AWFUL CO. They never delivered it. CitiCard didn't have my back. They failed to represent a valued customer. Awful company. I WILL ALWAYS BE READY TO GIVE THEM A BAD REVIEW TO WARN OTHERS.

I'm wondering if Citi doesn't post fraudulent charges just to try and reclaim the 2% cash back. I've had this card for a number of years and there have always been excessive fraudulent charges that none of my other cards have suffered. I always pay off the balance, so they never got interest or late fees from me. I recently decided it wasn't worth my time to keep disputing these charges so I closed the account because I was fed up with having to call in, get a new card, and change all my automatic charges to the new number.

I had to give a rating but even one is too high for this garbage company. I disputed a charge on my card as a fraud purchase because I didn't make the charge and it seemed odd. I found out later my husband did do it but it was STILL a SCAM! When I explained this to Citibank they said, "Well it WAS an authorized purchase." So, after telling them IT WAS A SCAM, they refused to help and charged me anyway. So, after 13 YEARS I closed my account because I don't want to do business with a company that supports the SCAM artist instead of cardholder. Their claim that they support you is a LIE!! Stay away from CITIBANK!

I can’t begin to express my disappointment with Citi’s Dispute dept. I have contacted them several times re: fraudulent activity from Bliss-shinehair.com. I purchased a sample of Derma Joie face cream in Nov. 2018, paying S&H of $5.96. In Dec. a charge for $93.80 appeared on my Citi charge for a hair serum that I never received. I have contacted Citi several times and had one rep tell me that Citi was onto these fraudulent companies who prey on consumers during the holidays. Citi continues to believe the “compelling evidence” of this company that insists I received their hair serum. Big fat lie! After all the blogs I have read and Citi is also privy to their info... it astounds me that they take the side of sneaky and fraudulent companies. I plan to cancel my card and spread the word about Citi. Would give zero star review if possible!

One of the actual worst CC's I have ever had the displeasure of experiencing things with. I had FRAUD on my card, which happened across ALL my Credit Cards, Discover, Elan, and my Credit Union Card, and all charges were the EXACT same, and yet Citibank was the only ones to try to tell me it wasn't fraud, and rejected my dispute. Their system is antiquated, their employees, including the 'Presidential Unit' all lie and deceive you, and they had my old address until 'October' when I moved before JUNE. They told me multiple times they would rereview and get back to me, email me, call me, etc, and NOTHING was ever done. They then sent me a letter stating I am no longer allowed to contact them and keep hanging up on me.

I have had my Citibank credit card paid automatically in full each month through Paytrust, an online bill paying service. If ability is received, it is always paid. Citibank did not submit a statement for January and then called stating the account was past due. I was unable to speak with a service representative. Paytrust Indicated on their website that Citibank has a new way of retrieving statements through Citibank's and I had to provide my log in the information to retrieve the bill. This change in Citibank procedure resulted in a late fee and interest charge which is a result of their policy, possibly a calculated move on their part to 1) force people into electronic billing, and 2) Collect unwarranted late fees and interest charges.

I just had the most horrendous experience with one of your "customer service" representatives. I was attempting to make my payment online this evening and was unsuccessful with accessing my account (not the first time unfortunately). However, I was able to log in via the mobile app but it was past 9 and your system was updating. For the last 2 hours I tried calling customer service numbers only to reach a recording (so I thought) which stated to call back in 2-4 hours. This happened on all 3 of the calls I placed to the number located on the back of my card. Finally I reached someone from your banking institute and she informed me those were live people (not recordings!) reciting the callback message and I learned the representatives just hung up on customers because they can't access accounts during your updates!

Sears/Citibank claims I signed up for a promotional balance. For over 8 years I have my bills set up on auto pay. My minimum balance was 97.00 but I paid 200.00 on auto pay because I had a 5000.00 one time purchase from Carnival Cruise ship. Nearly two years after the cruise I received notification from this bank accusing me of being in default of some promotional balance I did not sign up for. Multiple representatives have been recorded accusing me of signing up by phone, email, email link or third parties link click. I was also given written letters of different dates and times I click on this promotional balance link.

I am very rarely late paying my bills and this time I did not receive my statement so therefore my payment was late! They just said that it was mailed which I don't dispute but I can't control or prove that I didn't receive so no late fee reversal. I have been a cardholder for over 20 years. Considering on using rewards up then canceling the card. Very disappointing I have been only late a few times over the 20 years but that was on me. This was beyond my control!!!

They don't have your back when it comes to dispute resolutions. They throw random rules at you so you don't file for a dispute. I have not used their other service but this one interaction is not giving me great confidence.

I have two CitiCards and have not had any problems until recently. I had a heater and hot water heater break within weeks of each other and used other credit cards to purchase new ones. I just paid off one of my CitiCard by making a 4888.00 dollar payment with a limit of 6,000. A week later they changed my credit limit to 500 saying my utilization on other credit cards was too high. Really? I have never paid late and have been a great customer and this is how they treat me! If I knew they would take my credit away I would have paid a different card or put the money in a savings for an emergency. I called to have it appealed and was told no they would change their decision. I will be closing both my accounts even though it will hurt my credit. Them lowering my credit limit also hurt my credit! Never again will I open a CitiCard account!

I opened an AA Mastercard for the mileage and luggage benefits. I also wanted to save my miles if I didn't use AA during the year. By using the card, you safeguard your miles if they are near their expiration point. This is a better option than wasting miles on useless magazines. Or so I thought. With two weeks to go till expiration, I made a charge on my card and saw it posted on the Citi website. When I checked the AAdvantage website, my account was still set to expire and lose all my miles.

I missed one payment. So I paid it late. They canceled my account. I didn't realize this, until I had rung up a large load of items at Costco. I had to leave these behind at the register, while I tried to work it out at the service desk. They called Citibank for me, and we tried to get a new account for me, and it was declined. My credit rating was very high previous to this. Due to Citibank, it has dropped significantly.

I have Costco Citi Credit card for about a year now. Their customer service, dispute department, lawyer to handle dispute etc are worse than one can even think. I have applied for this card with having correct name. I received card with all the letters combined (two words) in first name. I needed to talk to them more than 20 times to change it. Every time they mentioned, your card having corrected name is on the way. But, I received the card having the same mistake for 5 times. 6th time, I received the card having correct name. I have disputed one charge of $1012 because merchant (airlines) charged me twice for the same transaction. I received money back for one charge. But, I could not use my ticket.

On Dec 21, 2018 I faxed a dispute letter with all pertinent information to the dispute department. On Jan 14, 2019 I received a letter that my dispute was declined and the case was closed. I called the dispute department and was told that they never received the letter I sent even though I have a fax cover sheet shows it was received. On Jan 15, 2019 I resent all the information to the dispute department and called again on Jan 16h, 2019 to make sure they received it. Today Jan 30, 2019 I called the dispute department to get a status of my dispute and I was told it was in for review to determine if a dispute would be started or be rejected. Almost 2 months later and nothing is being done to retrieve 867.75 dollars of my money that I spent on a hotel reservation that was canceled by the supplier.

Citi targeted me for their premier card and enticed me with 60k points for $4k spend. Citi mailed me credit card 2 weeks late and as a result I could not use it on 2 week vacation. So I end up with just 2 months to spend 4K and meet their "deadline". I called to get an extension but no avail. I spend the 4k+ required and the last charge posts on the card 4 days after I gave it to online merchant - and as a result the transaction was recorded ONE day late than the deadline of 3 months. I call and after getting transferred around 4 times and repeating my request was told, "Sorry we can't help it," and are not interested in seeing the email from merchant that shows the actual order date as 3 days before deadline. Thank you Citi. Chase and Amex are much better folks. The CS needs to be fired here.

For the 4th time in the last year I've had to close and open an account due to the card being compromised. They don't have any idea how to process that function. The card before last was supposed to be expedited. After the 2 day limit I inquired and after 3 CSRs were involved they discovered that expedited meant USPS, 7 to 10 day. The re-expedited card did not arrive in 3 days and upon investigation with 2 CSRs and 2 Supervisors they discovered the card had NOT been processed. Finally I received 3 cards on the same day. USPS and 2 FedEx. Yep, card number 2 had actually been processed.

I've used my Citi MC for years and had no problems. I didn't get a statement for some reason last month, so I just automatically paid my usual balance due. I kept getting "robo" calls about not making a payment. When I finally got a live person, I told them when I paid and how much. They responded that I didn't pay the minimum amount and that I needed to pay the additional $20 or so NOW. I explained the circumstances and told them I would include the shortage on the next payment. They INSISTED that I make arrangements through them to pay it NOW.

I had a credit card with CitiCard at 7.9% interest. I made my monthly payments EVERY month. Never missed one. I had issues with something else which messed up my credit and when CitiCard saw my report they closed my card and upped my interest rate to 28.9%. I had auto pay for 2 years and did not get anywhere on paying it off. I called and asked if they could lower the interest rate and they said no... Based on the credit report from 2 years ago. The only thing I can do is stop paying so it goes to a debt collector which will hurt my credit but at least I won't have to pay that high interest anymore. Also when they close your account like that they lock you from being able to check your account online... And when I tried to change my address so the bills would come to me... they would not let me because I could not remember my credit card number from over 2 years ago. THE WORST.

I opened a dispute in late Nov 2018 regarding a charge in my Citi Visa (through Costco) for the amount of $63.13. A week late, I realized that I had made an error in filing the dispute and called the Citi Visa company to cancel the dispute. In a few hours, I received an email titled "your account dispute has been resolved". I only found out a week later that instead of cancelling the dispute, they credit my account with $63.13, totally opposite to what I had told them to do. As a result, my account with the merchant was inactivated.

Whenever I can CitiCard I am forced to listen to a multitude of "choices" that have nothing to do with why I am calling. I am forced to lie so that I can speak to a living person. If I am honest in my replies to the automated system, it tells me my request is not understood or makes suggestions about things I do not care about - which will send me to another automated response. Saying "NO!" to a suggestion or being honest eventually causes the system to abruptly hang-up. This happened to me 4X today!!! Before I lied my way to a live person. All I wanted was a mailing address. The automated response rattled off 10 PO box numbers in such rapid order that I was not sure I had heard them correctly.

I called Citi before I booked my flight to make sure that I would receive the $250 statement credit they advertised. I was told that I would get the credit. I did not. I called them to file a dispute. I got a letter stating that the statement credit was only for flights and I didn't qualify. As this makes no sense, I called them. They argued with me saying that was never an offer. Then I spoke with a supervisor, then a senior account rep. The senior account rep said that I needed proof of the offer. I said that I was probably going to cancel my account. She went ahead and cancelled my account without my permission after I got off the phone. I wouldn't mind so much except that I'm not going to get the travel benefits like first bag checked free. This company has gone out of their way to screw me over. I've had another Citi card for many years. I cancelled that one too. I'm never using them again.

I have signed up for Citi e-billing that put me in a disadvantage of having printed copies purchase commission Citi signed up with Costco, usually comes with the February bill a print copy of yearly earned rewards - as a certificate. If I haven't signed up for Citi e-billing, my Costco 2018 reward certificate for $214.92 would have had come with February 2018 print statement. I would, never have had missed it. This is my hard earned commission of my purchases throughout the year of 2018 (I make a point here: this not a gift certificate). The following e-mail with the link to print a new certificate, and the letter about requesting a copy of the certificate by phone is misleading. Since it never fulfilled the request.

I opened up a Citi Simplicity card to take advantage of the 0% interest for 18 months to transfer a balance. I have been paying my balance down every month on time and decided to put several charges on my card to purchase profit sharing packages from an online advertising company. I was suppose to receive a certain amount of money every month for 12 months and didn't receive one. It was services purchased but not delivered as described. The representative I first talked to put the charges through as fraud which was incorrect but 2 of the packages I purchased I did receive a permanent credit. Square disputed one of my packages I purchased and said it was a valid charge.

Very disappointing!! I have been a loyal customer with excellent credit for over 12 years, paying the full amount for every statement since that time. I lost my job in June 2018 and booked a vacation for October 2018 prior to the job loss in May. Not only did I lose my job but was unable to afford the vacation. Luckily, I was able to cancel the hotel but was unable to obtain a refund for the flight. I had travelers insurance for the flight but this could only be processed for illness not lost wages due to an unforeseen job loss.

I had a Citi AAdvantage card for over 30 years. Last September when I received my renewal with $95 fee, I called to cancel the card. The next day, I realized that this would have an adverse impact on my and my adult kids' (who also had cards from this account) credit score. I called back and asked if they could reopen the account. An agent told me that I could have in fact, migrated my account to a card with no fee and keep my credit history. This seemed ideal. I was told that they would need to check my credit to issue the card. This seemed absurd since they had been offering to renew my card just the day before and I've been a customer for many decades - plus I have great credit.

My most recent experience was a dispute involving Excalibur Moving Company out of Florida. After paying a deposit of over $2000.00 I was shocked to find out I had been scammed!!! I immediately disputed the charges with Costco Citi CC and here I am three months later, the dispute has not been resolved. I get little if any communication back from Costco Citi CC, I have had to do all of my own investigation into the moving company... And forward everything to Costco Citi CC... nonexistent dispute department.

I always pay my charges off each month, and even round the amount up. I messed up in November, paying $1100 instead of the $1106 required. I have been charged interest on all charges in November & December. For a $6 mistake I have paid $20 in interest. Costco needs to leave them.

I tried to close my Citibank credit card in June 2018. They made the process so difficult that I ended up just placing a hold on the card. In August I paid $3007. and thought that the account was on hold, they continued to rack up charges and did not send me a bill. I this month I noticed on my credit report that there was an unpaid credit card. I was shocked and contacted Citibank credit. They claimed that I owed them another $300.00. I was never sent a bill or informed about ongoing charges. Today I was charged another $300.00 but I was able to close out the account after being placed on hold on and off for over an hour. They charged me late fees and yet never billed me, charges were put on my account that should not have been. They tried to get me to wait for thee days to officially close the account but I was afraid thinking that they would somehow charge me even more money.

I am a Costco member for last 25 years. For many year after joining it was only membership card required to be a member, Then after Price Club - which changed after years name to Costco - introduced American Express card to use also as membership card. Over the years I had never had any kind of problem with that credit card or membership.

Called Citibank on disputed charge. Citi contact Ed merchant who said it was valid. Citi takes merchants reply and put charge back on my account and starts charging interest. Filled out all the forms sent to me over 6 months and still have the charge on my account. Citi has done zero to investigate. They say that the merchant's reply is that it was delivered. No matter how many times I tell them it was not ordered by me or delivered to me, they just read the same answer from their script. Customer service was willing to have me cancel my card and lose me as a customer but not willing to refer me to someone who could help me. Zero escalation help. They just don’t care anymore about the individual consumer. I am just one person and they prefer to take the merchant's view with no investigation. Not sure who cares at Citi. Service is lower than ALL companies I have worked within 30 years.

Worse customer service from Citigroup ever. I called the customer service center to get my pin number to make a credit card payment through the Atm machine and the said that they can send it to me in seven day. I asked to talked to the supervisor to tell him about the inconvenience of that and Jenny the customer service representative stated that there's nobody in the building that can help me to go to my local branch and complain and hang up the phone. Super Unprofessional...

I am a current customer for years with Citibank and just had my first fraudulent charge. I was lied to, I had a rep posing as a manager after escalated and then a nasty woman with a bad attitude thereafter. I had the first person tell me that my charge wouldn't qualify as a charge-back. Mind you, I live in the Midwest and the charge was done in Russia. I can tell by the questions that were asked he wasn't really trying to work with me. Then, I asked for a sup (which took a long time to get), then this man came on there acting like a supervisor. He showed no empathy in what has occurred with my account and didn't even start the process of protecting the rest of the account (neither did the rep before him). He kept wanting to get me off the phone and tell me just any story, so I asked for another supervisor. "I am the only supervisor here in the center," is what he told me.

Opened a Citi Visa card in January. Received one statement in the mail, then never received another statement again, until a notice from collections came in the mail. Customer service of no assistance whatsoever. Only wants to collect money, and as much of it as possible without any kind of notice to customers and without any consideration of customer concerns. Spare yourself the hassle and do not open a Citi card, because Citi prefers to bill its customers through collections rather than through paper or emailed statements every month. Beyond extremely dissatisfied and not even deserving of a single star, should receive a 0-star rating.

The absolute worst credit card I have ever had - not because of high interest rates or annual fees or anything, but because from the get-go I was routed to the fraud department without ever having made a purchase. I opened this card to do a balance transfer for 18 months at 0%. I had a very important question about how the balance transfer worked (do I write myself the check or the credit card I’m paying off, because the instructions from Citi said to write the check to me). Not a single person I spoke to would talk to me because I didn’t have a landline to verify I am who I am. It’s almost 2019 and I’m a millennial - who the hell has a landline (go on old people and laugh at this statement ;-)). I set up security questions when I registered my card. Why couldn’t they ask me those? I provided my full credit card number, last four social, address, etc.

I had been a Business Credit Card holder for many years. The card was the CitiBusiness with American Airlines AAdvantage Mileage Program. Due to lack of use, I called to cancel the card. My wife had paid the Annual Fee of $99. On 10/10/2018, which was 54 days, prior to the date I was cancelling the card. (12/03/2018). Both the Supervisor and her Subordinate refused to refund any portion of the Annual Fee that was paid. However, they did Cancel my Paid CitiBusiness Credit Card. I lost $99.

We experienced the same situation as Eileen. We pay all our bills on time. This was a replacement card for a lost one. They say we signed up online which we did not do. We never signed up for email statements and we only received one email notifying us the first statement was available online which we accidentally missed paying. We never received any of the next months statement emails after that one so we did not know we were past due.

I posted the following review on Yelp concerning the Home Depot-Citibank credit card: WARNING: I live in MA. I got absolutely pressured into opening a second Home Depot credit card in order to save 15% on a $90 purchase. The cashier said it would help her and her family. I already had a HD credit card. I didn't really want another HD credit card, but I felt shamed into opening it with two other customers standing behind me.

I received a credit card promotion in the mail from Citicard offering a 0% APR for a year which I accepted. They accepted my application (I believe I went online to apply) and I received my card. I had no plans to use the card except for emergency purposes. I ended up using the card a couple months later for an unexpected repair bill.

Their customer service never provides an honest answer to a problem or question. My card was compromised and had to obtain a new card, which was supposed to be sent overnight to me, which never happened. I have several other credit cards so normally this would not normally have been a problem. However, I have approximately 10 auto payments deducted every month on this card, which I explained to the customer rep. The customer rep assured me I would have the new card the next day or at the latest the following day, which did not happen.

Complaint Type: Consumer to Business Complaint. Nature of complaint: Billing or Collection Issues. Problem description: I have had CitiBank Credit card since 1993. I am now a personal Elite member and when I got my new business early this year I got a Platinum Small Business card. When I applied I told them my Tax ID number was pending and applied with my SSN. When I got my TIN, I called back to update my information, Citi sent me a paper form to fill out which I sent back with updated/new TIN and wrote a short explanation.

We applied for this card specifically for use at Costco. We have always paid our balances on time, and in full. CitiCards claim that we applied for paperless statements that we NEVER did. We have not received any invoices paperless, or otherwise in a month or two. When we recently went to Costco, our card was denied. We made 3-4 calls to customer service, and they were of no help, at all. And now they want us to pay a late fee? Again, no invoices were received whatsoever. If we were able to leave 0 stars, we would. Have every intention of not dealing with this company again. TERRIBLE.

Last year Citibank was offering what I thought was a pretty good balance-transfer deal, so I applied for a card. They approved me, with the smallest credit-limit I've ever received - less than half of my next smallest limit, and less than 10% of my largest credit limit (and this includes a different credit-card I started using two months ago) - so I wasn't able to transfer much, but I did what I could.

I started using this card in 1984 and have never seen such poor service in all my life starting this year. Three weeks ago they declined a transaction I tried to put through without any explanation. I called them and verified the transaction but they claimed I had to wait to receive a letter from them before they could reactivate the card. Since I live overseas the card would remained blocked for over two weeks.

I erroneously sent a large payment to Citibank which I owed to another credit card company. When I first called their customer service I was connected to an individual who had a very weak command of the English language. He informed me that he could do nothing about it and that I would have to visit the bank in person. I live in Utah and there are no Citibank branches in the state. I called again was asked all the information again and was told a balance transfer would go back to my account in 3 to 5 business days. That time came and went with no refund. When I called again I was told it would require another 10-14 business days to research my account. I then asked to speak to a supervisor and was told that it would take up to 48 hours for that to happen. This company fails at the basics of customer service.

I have call to dispute a charge. The so call female manager was very rude, I hang up on this so call manager, call again. What do I get? Not friendly person or so call manager. I have never CC company without any compassion for their customer, totally rude, no sympathy in their voice, totally rude, careless on their tone of voice. Just cold heart dispute and manager. Citibank don't have customer services they need. I am going to continue to fight and fight, until they do something about their customer.

My last billing statement came with no return envelope. I called customer service to make sure I got them in the future, and was told they are no longer providing them! I was also told the address on the billing statement is wrong and was given a different address to send my payment to. I asked what would have happened if I had printed my own envelope and sent it to the address on the statement, and was told it would have been returned to me! So it looks like they are trying to force people into online payments with no notice, and trying to collect late payment fees.

Citicard customer service is the biggest bunch of lying and inept people on the planet. THEY ARE OF ABSOLUTELY NO SERVICE WHATSOEVER. Called several times when charges were denied and they couldn't verify my account. Told me to hang up on several occasions and they would call me right back to verify my account. Be sure to leave your line open they said... no callbacks ever came. According to them, they couldn't even open my account to look at! Waiting on a letter from them for over a week! Can't charge til then. Ever since Citi saw that I make large purchases and pay off my balance every month they don't like paying out those 2% rewards they promise.

I recently applied for a balance transfer credit card with CITI. I was rejected as CITI states I have a history of late payments. This is ridiculous. I've made every payment to CITI on my previous credit cards and Mortgage. I review my credit history and it shows 00% across the board. My wife and I were recently thinking about a REFI with CITI, but decided against it as CITIBANK was using an appraisal from 2008 on our home which was exactly the same as the initial appraisal when we purchased the house.

We are very disappointed with Citicard's customer service performance. If you have a dispute, they will side with the merchant. They do not care if you are a good customer with excellent record. We are Costco customers since they opened in Yakima, WA. With American Express we never have a problem, Citicard is terrible. I am starting to buy less in Costco so I won’t utilize the Citicard. I don’t know why Costco entrusted their clients with this terrible Card service. We know we are just a drop in the ocean of corporate transactions, but maybe if we complain enough we will have a voice.

Received a call about my account being past due, looking into the matter I had not received my statements for two months, when I asked the Citi rep why he informed me I choose "paperless billing" but when I asked for proof he could not provide it, only told me it was done "electronically" but again could not provide me any information/proof of this. Was told the late fees could not be waived until I paid the past due balance which included the late fees!!! I was on Citi's chat service with another rep simultaneously who confirmed that my account was on a "paper" billing and not "paperless". Requested a manager call me on this matter and two days later I'm still waiting for a call.

I recently had an HVAC system installed in the home my husband and I own. I broke my leg the day after install and my husband is deployed to Afghanistan. I had not received a statement for the first month after purchase. I called company. They had my phone number and info but wanted to speak with husband who was in Afghanistan. My husband finally got through and they said that the statement had been sent to a house we lived in 12 years ago. They would not change the address on the account. Also they sent the account to collections. I asked to make a payment. They would not tell me the balance or how much the payment even would be.

My wife and I disputed a transaction with a vendor in May 2018, that consisted of several charges made against our Citi credit cards, i.e. a single payment that was divided into 6 separate tranches that were charged against 3 cards. We cancelled the contract with the vendor within the requisite legal timeframe and as stipulated by the contract, delivering in person to their office to make sure they received it. We followed up with a phone call and email to restate our decision to cancel the contract and request that they reverse the charges made to our credit cards.

On 13 January there were 3 illegal credit card transactions which I immediately reported to Citibank. 2 of them were settled but one wasn't. I called them on 20 Jan, 24 April, 29 August, 11 September, 26 September, and emailed them on 26 Sep and 1 October to settle this. Apparently they just found out their mistakes of lifting it out on 29 August, but no action was taken.

I called to cancel a payment to my Citi credit card and set up a new payment from a different account. The next month I noticed the payment that was cancelled was still being taken from my old account. I called customer service and was hung up on by a customer service agent. I called back and finally got an agent to help me. I was refunded the unauthorized payment and was told it was cancelled and would not happen again. Unfortunately, this did not happen. So I called back again today and was hung up on again by the first CSR I spoke with. I spend the next 45 minutes working with another CSR that was unable to tell me why my request to cancel the unauthorized payment was never handled, but assured me it will be handled this time. We shall see. I now have three instances of Citi taking unauthorized payments from an account. I advise to stay away from this company.

I have a credit score of over 800 but after two months still can't get my Citicard activated! They mailed me a paper form to verify my Social Security number, after approving my online application for the card. I called to make sure the paper form was legit before returning it because the application process, nor any of the e-mailed correspondence had mentioned that I would be required to complete, sign, and mail a paper form in. They said it was from them and so I reluctantly completed it, signed, and returned the form. A few days later, my cards came in the mail and thinking all was finally okay, I called the number on the sticker to activate the card. After the computer process failed, and holding for several minutes, a person finally came on the line speaking in very broken English. I could barely understand them. They said that they didn't have the paper form yet and so they could not activate my card.

Citi provides shopping benefit related to warranty where they reimburse customer in case of issues after the original manufacturer's warranty is over. I filed 3 claims under warranty benefit where my intercom is having issue related to Alexa software. All my 3 claims have been denied and I was told that since the manufacturer doesn't cover software, Citi Warranty Benefit also will not cover the claim. They pointed out the below T&Cs from the manufacturer warranty page - "This Limited Warranty does not cover consumable parts, including batteries, unless damage is due to defects in materials or workmanship of the Product, or software (even if packaged or sold with the product)."

I have dealt with Citibank through the US government in the past, and was equally disappointed in their service, and communication abilities (not to mention dispute resolution, which seems to be completely non-existent).

I accidentally paid a large sum of money to this credit card, instead of another credit card I have, to pay off the balance. This account had been closed for several years. I paid it on 8/29/2018 and they cashed it within 4 days. I called them once I figured it out around 9/7/2018. They told me they would send a refund check and I would get it within 7-10 days. Needless to say, the check never came (and still hasn’t). I called on 9/24/2018 asking where the check was. They put a stop/pay on it that date and I requested it be overnighted. They said they can’t do that, but can deposit it into my bank account directly.

Four charges were made for Xbox downloads. I'm 75 years old, don't own an Xbox, never had, never will. These charge occurred after visiting a college town and having hotel and restaurant charges. Citi arbitrarily denied my claim. They did however, remove a charge for a Nike online purchase that occurred at the same time. Does anyone see a purchase pattern here? Why didn't Citi? We're still fighting.

The dispute department makes you jump through hopes as they lie to you. The number of calls and time it takes to get a let from the dispute company is ridiculous. They really have huge problems with their help's reliability and even simple spelling of an email. Don’t expect to get your business taken care of here. My advice - rip up your card and never use it again. It will spare you frustration and headaches with a company that could care less about you and customer service. It’s not worth doing business with them.

A Citi credit card is barely one step above a payday lender. There are a lot of dynamics at play in how such a great brand destroyed itself but mainly the merger with Capital One (a ** operator) led to its downfall. Despite consumer protection act rules, the card will maliciously shift due dates and withhold clearing payment so as to hit you with fees. It is sad as they used to be such a wonderful brand. Would travel and pay internationally on this card with great comfort knowing Citi had my back. Literally have done million of $$$ of business with them and stunned by the pettiness of their once great service. You are not a customer, you are a mark. Stay away. Zeroed my balance and will never go back.

We are with Citicard for over 20 years. On one day our card was declined twice. We called the fraud department to find out what is the problem. You would think that that would be simple. But that was not the case. So it happens that someone hacked into our phone carrier, Optimum online and forwarded our calls to another number. We believe that the bank tried to call us but without success. It was actually the bank representative that our calls are forwarded to another phone. I was instructed by the fraud supervisor to contact the phone company and fix the problem, then call back for verification.

I applied for credit card then they called me from sales dep which is not professional anymore. They don't have experience and give me wrong information. They lie to me and every time they say something different. They was my time especially this Philippine lady in sales dep she hang up the call in very bad. Why.

Never been late since I got it this thing more than 4 years, paying off all my credit cards, my credit score is at 56%. They just decreased my limit from $2000 to my balance of $630.00, just paid $1000 payment so I can be at 30% on my credit usage on credit report. Never this card again and like American Express as well. Rip off. They told me I have a bad credit, told them I do not, never missed a payment on any of my accounts, then they said ok then, "Is because of higher interest rate you might have," really??? ** Citibank.

Run fast and far away from this company. I had no idea but just Google illegal interest charges Citibank. I've had the credit card 2 months and they've already charged me interest when payment was made in full before due date.

I received an email this morning thanking me for my call with them this morning (I never called them). I booked airline travel on this card two weeks ago, and the email CITIBANK sent me showed that I was returning ten days later than I actually was. I was told by the very rude woman that the airline had authorization to contact them regarding my travel plans -- even though the email said that I HAD CONTACTED THEM. I was pretty stupefied by this, and she ended up hanging up on me. I am canceling this idiotic card. I refuse to be treated like a moron from someone who obviously doesn't know customer service at all. PS -- why is the airline contacting them? My travel plans have not changed, and the agent at CITIBANK could not understand why I might be alarmed that the travel dates were stated differently than the tickets I had purchased.

I love Costco but now I'm starting to hate them too for entrusting their clients to a dubious credit card establishment like this CitiCard for Costco. I hate taking cash or check with me all the time and I usually shop a lot in bulk because I'm a small business owner. I have a great relationship with Amex that's why I was so disappointed when we were automatically transferred to this crappy card. I agree with all of the reviews here. They slap you with unreasonable interest charges and late fees, even if it's just a few minutes. They only care about grabbing or stealing money from their customers. Very rude, annoying, not very well informed reps.

I am a responsible credit card user and mostly pay off my cards in full every month other than occasional large purchases. I have had Citi card for about 5 years but have only used it twice for purchases over $10K. The first time this happened, I thought I made the final payment early before the end of the billing cycle, so we were hit with interest the following month. My mistake was not logging into Citi to check my account balance after it was paid in full because I ended up getting charged additional interest the following month then receiving 2 months of late fees because I had no idea that I had a balance.

I applied for this card about 2 weeks ago upon reading rave reviews on various finance websites. I was approved immediately, but was unable to set up my online account at that time, and instead received multiple error messages. Fine, couldn't use the card anyway without the full card number, so I decided to wait until it arrived in the mail. It did so a few days ago, and I started to use it to pay some bills and make some purchases. I still couldn't, however, log in to either the website or the app. A very unhelpful agent in an overseas call center told me I would need to log in from a desktop. I told him I do not own nor have access to one, and that this was ridiculous, I've never been unable to log in to any other type of financial institution from a laptop.

I had the same situation as another reviewer, with the credit card. I received mine in the mail, tried to activate it, and was sent to the fraud department. They also told me that my phone number, that I gave on the application, was not a verified number. Even after I answered all of my personal questions, they still said that it wasn't me. I was told that I would have to wait for something in the mail to verify I am who I say I am. All the while, if there is fraud, there is nothing I can do about it until I get a LETTER in the SNAIL MAIL!? Who does business like this anymore? Terrible customer service. I was wondering what the resolution on Trevor from Clovis, CA was? Has it since been handled? Thanks in advance.

A hold was placed on my card by a hotel for a deposit (which is typical). After 2 weeks I called the hotel because the funds were still on hold. The hotel attempted to release it back to my Citi card however the request was denied by Citi. The hotel agent was so kind as to call Citi to get the funds released and credited back to my account. Here is a copy of the email from the hotel agent...

It has been very frustrating getting in touch with the right person. I was locked from my account online, did not have my card with me. Representative said she will sign me up for more rewards and I said no thank you. Then representative kept telling me she will give me an increase on my credit line when I told her I did not use the card!!! I was planning on accepting the offer they sent on my mail, but seeing this I decided to don't do it. Horrible experience.

I received an invitation to apply for the Citi Elite Advantage card and receive 60000 miles if approved. Now I being told it's 50000 and I have to send them the invite they sent me as proof it's 60K & not 50K. On top of that in the "small" print they say I have to spend another $1500 in order to get that. I will pay off the little balance and they can keep the card.

I received my new Citibank Credit card in the mail and tried to activate it, but was connected with the Citibank Fraud department. With extremely poor service they attempted to assist, first by asking my phone number to send me a text to verify it's me. When I gave them the number that is on file, the one used to open the account, they told me it's not a verified number, I asked them what that meant and they tried to tell me it was not my phone. They said they would send a letter to verify who I am, I in turn told them I'd go to a Citibank the next morning to save time, they said ok.

This was something done to us. L.L. Bean decided to change type of card and bank. Nothing has gone well. Our available credit (from the Barclays card) disappeared from the credit bureaus. It (and the Citi card) have not appears at the credit bureaus. With two notable exceptions, the Citi personnel have been indifferent, or worse. L.L. Bean sent a list of actions we (!!) would be required to take and some that L.L. Bean said would happen automatically. A critical one did not happen automatically. None of the entities involves seems to give a hoot.

I have been a loyal customer of Citi MasterCard since 1996. My account was deactivated without my consent. I called the 800 number 800-950-5114 suggested to me via Citi's chat service. I was received by an Indian speaking individual, who instead of helping me, insulted me and suggested that I take my business elsewhere. I asked him to help me reactivate my account. Instead of helping me fulfill a simple request, he blew me off, insulted me and treated me like dirt. He said it was my fault and started blaming me for my card's inactivation. I told him the customer is always right, he told me smugly NO and all but suggested that Citi don’t want my business and to take my business elsewhere, then hung up on me.

I was making minimum payments on my credit card monthly. I was eventually able to make a very substantial payment and right after I did this they completely lowered my limit. Which brought me into a credit problem again. I had gotten my ratio down and they made it so I had $29. worth of credit. A very awful thing to do. Horrible company.

Worst Card/Customer Service. If you purchase defective merchandise, they will side with the merchant. All the merchant has to do is send proof of delivery. When you open a dispute then they ask for proof of delivery. I was told to fax. Really fax machines in 2018, all info including photos of proof of delivery and defective merchandise they will give you a conditional credit and give merchant 2 months to respond. The merchant's proof of delivery is all they need. I also sent proof of delivery and photos of all defective items and was told after they sided with merchant that their system was not compatible with photos as they can be altered although I called and asked to see if they received my proof and did not mention my photos were not compatible at that time. DO NOT WASTE YOUR MONEY OR TIME WITH THIS SHADY COMPANY.

Citi Bonus Cash Center - Have been denied the bonus cash at least 50% of the time. I use the portal quite often so their excuse that I am not using it correctly does not hold up. Reaching out to customer service either by phone, chat, or secure message does no good; they seem to not be well-versed in the "benefit." Use at your own peril.

Recently I applied for a CitiCard promotion offer of Citi premium silver card with a 60,000 miles bonus offer after using the card for $3000.00 within three months. I started purchasing with this card to meet the requirement and spent more than $2300.00 within 2 months. Last week I called the customer service to ask the deadline to meet my requirement to get the bonus mileage. But I was really shocked to know that Citibank declined my bonus miles and told me that Citibank cancelled my very old card without informing me in July 2017 and that’s the reason for declining my bonus miles.

I am spending countless hours banging my head against a wall trying to get Citibank to resolve 3 disputes. They continuously give me incorrect information, and are incapable of crediting back customer accounts after disputes are found in the customer’s favor. I was told over the phone that one dispute was found in my favor, then Citibank sent me emails telling me it was still open. Another dispute was found in my favor, I was told I would be credited in two days, and it's been over two months and I still have not received the credit.

Citibank credit cards customer service is the worst. I can't deal with this department anymore and I need help to get my $50.00 dollars back that they do not want to return to me. I paid the AAdvantage credit card $50.00 on March 26th 2018 through my Bank JP Morgan Chase online payment. I always pay my bills in the same way. Since March I have been calling asking them where is my payment of $50.00 that they received in March. In April they credit my account temporarily until they investigated, they asked me proof of payment as my statement from my bank (Chase). I send it to them, they did not respond receipt and they reversed the $50 again. When I called again they told me that the statement was not enough proof when that was what they asked me. They closed the investigation. I spoke to Chase again and they said that in the statement is very clear that they received the payment. I don't know what to do. I want my money back.

I have a Costco Citibank card that I once used for nearly every purchase I made, especially so that I could receive the rewards refund money. Not anymore after the following incident, which has me mad at Costco as well. I contacted Citibank about an overcharge to my account made by a rental car company, and I provided clear written proof that the company contract stated I would owe a specific amount for 4 days rental, and nothing more so long as I did not purchase add ons like refueling, etc.

Their accounting system is set up in such a way that you can never reconcile your monthly payments or know how much you owe before the end the billing cycle. I have gone over my accounts and have shown them where they have overcharged me but they won't acknowledge the numbers. I keep getting the same old, "we reviewed your statement and it is correct." There is something very wrong with this company. I am going to find another Visa card.

I would warn everyone to not get mixed up with this CitiCard. I got a Mastercard on April 22, 2018, I used it, and on May 5th, 13 day later, the bill come due, I paid it in full, then I used it in May, and on June 5th the bill come due, I paid bill in full, I again used it in the month of June, and on July 5th the bill come due. I paid in full. Then I got an email saying they had waived the late charges! What late charges? I paid it in full every time it come due, and on the date it came due! There is no way I owed any late charges. They were telling me that it was due on the 2nd of the month, but the bill didn't come out until the 3 days later. I tried talking with them, but I don't where I was talking with the people, they could barely speak English, and I could barely understand what they were saying. I immediately cancelled that card. When you see CitiCard... Better run like hell!!!

I have had an account with Citibank double cash and I deeply regret getting involved with them. I will always bank with Discover. Anyways, I took a personal loan out to consolidate some of my credit cards. I sent some of the money ($940) to Citibank and I realized it would better to pay off 3 more cards with smaller balances. I called them to ask to not accept the payment. Initially they told me to contact the bank from where I got the loan. I did and the loan company told me they couldn't change anything once they sent the money to the creditors.

I have two accounts with this company and have been in business with them for 10 years. Despite these truths, recently this company decided to lower my limits to where I pretty much don’t have any availability left. Typically my balances are low and payments on time. Due to them rechecking my over credit they felt like taking away the bulk of my credit with them is necessary. I feel like I proved myself as a customer but they don’t.

Terrible service. Citibank is doing this security overhaul where almost everything you do looks like fraud. I was approved for a Citi Diamond Preferred card and did a balance transfer from some old cards that had high interest. It was the only reason I got it. Needless to say this was flagged as suspicious activity and my account was frozen. After 7 weeks, multiple calls, and filling out verification forms, it is still NOT resolved. Customer service is a joke. I think their call center is located in the Philippines. Very thick accents and I only understood maybe 60% of what they said. Not only that, but if you keep them on the phone for more than 5 minutes, they start rushing you. I guess they have more important things to do. Do not deal with this company.

First, a recommendation: Don't be lured in by the attractive cash-back offers and end up like me. Stick with an American Express (I LOVE my Amex, and the high quality of customer service is night-and-day). Jeez Citi... Even Bank of America isn't *this* bad... Onto "the why"... where do I begin? Despite being instantly approved, they won't let you create an online account without having the card number (ie, the physical card, in-hand). Amex let me create my online account as soon as I was approved, and even gave me a temporary number to start buying stuff online. I added it to my PayPal and Google wallets, allowing me to purchase things at brick-and-mortar locations too. Citi can't do that. Because you can't register for an account before receiving the card, you can't use the self-service online system, nor the online chat based support. Instead you must rely on their crappy phone customer service reps to get anything done.

I am SO done with Citibank. I have had the card forever and have charges on it for a long time. Every time you call in to get help with something, it takes 20 minutes just to get to a live human. I am sick of computers asking me what I need help with. Then once you get through to a human, they are in another country where they don't even use credit cards. So they don't know how to answer your questions and just keep repeating what is on the screen in front of them. Then, there is no email address or mailing address to communicate any other way.

Just opened a Citi double cash back card and have not had any problems with the 8-10 purchases made until trying to book a trip on both Expedia and Travelocity. Once I entered the credit card information and pressed the submit button, the website attempted to process then stopped and told me unfortunately the price of the round trip flight & hotel fees had gone up and I should book now to secure the new price. Price jumped from $2400 to $2650. I closed the browser, re-entered all the information with a Capital One card and it processed at the $2400 price. Very disappointed that the use of the card causes a high product cost. Much more than the additional cash back.

Despite a transaction dispute on a purchase (product rec'd not what I ordered) CitiCard processed $549.95 payment through my VISA to Amazon without advising me of seller's claim or giving me opportunity to dispute. Product returned and both Amazon and seller agreed I was due $549.95 refund plus my return shipping cost. Transaction was 11-22-2017 and when I contacted Amazon re status of refund, Amazon said full $549.95 refund processed back to my VISA some time ago, Contacted CitiCard & rep denied refund rec'd - said I needed to follow up w/ Amazon. Communicated with Amazon, seller and CitiCard for 6+ months. Both Amazon & seller adamant refund back to me was processed some time ago.

I have been a Citibank cardholder for over 10+ years with very few issues. My wife and I recently changed our cell phone carrier and wanted to set up ApplePay. I had no issues with setting it up with American Express, Discover and my other credit cards however my Citicard was shut down by what was supposedly a 'fraud alert.' I called the bank and was advised by the Customer Service agent that they are required to complete an account verification process. At first I was under the assumption that this verification was to make sure that I was the actual cardholder and not someone trying to fraudulently access my account. "Do you currently have any other credit cards with Citibank? Do you have either a Citibank Checking or Savings Account? Who is your employer and how can we speak with them?"

Disputed a charge with a hotel. Didn't really perform any investigation - just closed the dispute after a week w/o any explanation in merchants favor. When I called their dispute resolution department, all I got was a suggestion that I send an email to them (because investigators have no other way to communicate, apparently). They didn't even bother responding to me - so I have no idea if anyone even looked at my email or thought anything of it. Horrible service. I'm a long time customer - switching to Chase.

I applied for a Citi secured Mastercard online on June 3rd but cancelled the application when I found out the processing time was longer than I was willing to wait. I applied for another card from a different financial institution the same day and received it in 7 days... meanwhile 12 days after I canceled my Citi application they took money from my other bank account anyway without notice or authorization. I'm stuck 1700 miles from home and all I'm getting from them is 7 to 10 days to get a refund.

Any issues with your card better carve out of few hours, minor issues would take me talking to about 4-5 different people in different departments, giving them all the same information, and all the calls are out of the country. Horrible customer service.

I always had Chase. (A+ by the way). But I opened up a credit card with Citibank because of a great credit card promotion. I purchased a sofa online and it wound up being not as described on the website. After finding out the scamming nature of the company I bought it from I put in a dispute with Citibank right away. The day the merchant sent back a response the credit was reversed. I sent back my "evidence" which took me over an hour to put together of correspondence, pictures, and everything else I had. I received an email back from Citibank the next day saying because I never sent them the proof of return the investigation has been stopped and the dispute has been officially closed. Ummmmm what? Proof of return? How could I return it if nothing has been settled? Why didn't anyone call me to tell me I should return it?!

In America we have legal tender called dollars and cents. I went into a Citibank branch today. I was asked if I had ever made a payment with cash before at that location. I said never, as I was traveling. My home state does not have branches, so while traveling I thought I will just go pay my bill. Well, then I am told they need to see my ID and continued to input my personal info into their computer even though I am a customer! The man then asked if I was employed! I told him I was retired. He then went further asking me what my job was before I became retired!

CitiCard has the worst customer service. The customer service for AMEX free cards is actually an improvement! I have an ongoing dispute since Aug 2017. CITI accepts whatever document the merchant sends back as justification and CITI reverses the credit! They do not even look at the document or try to make links with it. It the customer who has to keep mailing letters to dispute the resolution. It doesn't require even a college grad to add 2+2, but CITI's investigators are probably???

I mailed payments out on 5/9/18 to Citicard and American Express and mixed up the envelopes. Amex returned the check being honest, Citicard cashed it. Then they can’t repay me unless they get an ok from the primary account holder - who has been DEAD for over a year. Since they couldn’t talk to him, they cancelled the account. Don’t know if I’ll ever get my $900 back and the other family members on my account now don’t have access to Costco either. Too bad they can steal money like this.

MAILING ADDRESS.

I have had my Citi Double Cash Credit Card for about two years and I have to say that it was one of the worst decisions I've ever made. The Customer Service Representatives are rude, extremely unhelpful and very poorly educated in regards to their job position. I made a payment from my checking account to my Citi Card and 15 minutes later, Citi took out a duplicate payment, causing my checking account to go into the negatives. Citi caused me to rack up almost $150 in overdraft fees, because they returned the money and then took it back about 3 times. The first Rep told me that he could "offer me $10 for my troubles" which to be honest, is just insulting. His "supervisor," literally, word for word, said, "You just aren't understanding that I can't help you" to which I replied, "so basically you're saying you aren't helping me and to get over it?"...to which she replied, "yes mam."

I've had CitiCard for years now. I originally got the card because they convert what you spend to miles that you can use for car, travel, hotel, etc. It's amazing for that but my recent experience pushed me off of the fence that I had been on with them and right into making a decision to pay off the card and sever my relationship. I don't usually take advantage of promos on cards but I thought that I would try it. They have some pretty good offers. 0% on balance transfers or purchases for at least 18 months. Their idea is to get you to max out your limit because they just keep coming. They want to keep you in debt.

They pulled my credit report TWICE in less than 10 DAYS. Then denied because of too many Inquiries. This is after they said they were going to increase while I was in the store making a purchase that maxed my credit card. They could not verify my card, so they said they would send a new one. When I got the new card they pulled my credit again, THEN DENIED. I would never recommend their services to anyone. I HAVE ALSO CONTACTED BEST BUY TO LET THEM KNOW WHAT THEY ARE ASSOCIATED WITH. Citi just says SORRY. What a JOKE.

Citibank CC lowered our credit limit due to 1 loan we had to take out in an emergency, this lower of our limit resulted in our credit score going down. This was un-called for, we had paid Citi on time every month, we had even paid early and over the minimum often. We do not even use this card and are planning to pay if off in less than a year.

Activated the New Costco Citi Card, but the first attempted transaction was denied: Then, had to call in to find out why the card wouldn't set up in my Apple Pay Wallet and was told that they needed to confirm my number, which is apparently a two week process. Had to call in to figure why I could not download the CitiCard app. Was asked a number of questions and then told I did not pass the identification test. Because of that (I forgot the age of the mom of a guy I was married to for three years more than 20 years ago), I was then blocked from logging into citicards.com as well. If enjoy being frustrated, this is the card for you.

For 14 years we have paid on time and in full. This month for some reason (they are saying we checked a box on the website - which we don't think we did) we didn't get a bill in the mail. We did get a letter saying we didn't pay this last bill. We searched for it and found the bill in our non-primary email. We called immediately and "Tara" heard the entire story and then said she wouldn't waive the $23 fee so we can cancel the account and she was fine with that... she never even offered any recourse. REALLY?? So after 14 years of being a perfect customer - they just lost all of our business. They need some serious help in their retention department!

During the past six months, I've noticed that many pending charges on my CitiCard remain as pending charges, even though the actual charge has already posted. I've talked to merchants, and they've given me transaction batch numbers to relay back to CitiCard, showing that the pending charge can be dropped, yet CitiCard continues to leave the pending charges on the account for a month. I suspect that this is an accounting scam/gimmick that CitiCard is employing - keeping millions or billions of dollars tied up in pending charges, unavailable to the card users, and earning interest on this boatload of money.

CitiCards has the worst customer service. First, the online account doesn't allow you to manage two credit cards at once, you need to have separate accounts for each credit card, this is stupid!!! Second, the customer service would hang up the phone while the issue is not resolved!!!! This is really bad! I highly recommend Chase Bank. For anyone who is considering Citibank, I highly recommend switch to Chase Bank. The online account management is sooo convenient, and the customer service never hang up my phone call. Citibank should really consider better IT support and better customer service.

My request via telephone to Citi Cards was for a replacement card due to wear and tear. After three separate calls (March 15, March 24 and April 11), I never receiving my replacement card - a representative on April 11th canceled my account without my knowledge in order to send me a card. I was very uncomfortable with the way the phone agent handled the call and I called back to get the tracking number for the expedited replacement card. While going through the prompts, and entering my card number the recording replied "you entered your old card number". This was unexpected, however due to other commitments, I decided to call back the next day April 12th.

I recently got a marketing letter from Citibank telling me that I was eligible for a special promotion giving me zero percent interest on purchases made for the next several months. An web address and phone number were given. The web address turned out to just link to Citibank's new card application. No help there. The phone number connected me to their offshore call center where the rep had no idea what I was talking about, and offered to find me the best rate for my "new card."

Don't recommend this card even when you have a perfect payment history. In my case a emergency they declined a credit increase. I have some friend that have the same problem with this card. Just check the customer rating on this card.

I have the Best Buy merchant credit card with Citibank and I can't say that I have ever had any issues. To be honest, I've had a lot of credit cards in my life and the only ones that I have ever had problems with, or general credit cards like a visa from Citibank or a Mastercard from Capital One. The only reason I'm giving them 4 instead of 5 stars, is because they have a habit of calling you like crazy all throughout the day if you missed a payment. Even, if it's only by a few days. Really annoying and you can ask them to stop calling you btw. It is illegal for a bill collector (credit card or debt collector. doesn't matter) to continue to call you excessively after asking them not to because that IS considered harassment.

Had 2 cards double cash and AA. Asked them to Close my AA account because it charges $95 a month. They closed both accounts. I contacted them, they said I could reapply. They actually did me a favor. I hate this company and their lack of customer service. It's been over a month and they still haven't sent my $225 overpayment and for some weird reason they locked me out of my online account. When I called for the refund... Their system is updating and I have to call back. This company is pathetic.

I HAD a Citibank card through Amazon for several years. Always paid my card with auto draft and paid entire balance each month to avoid late fees. During the 2017 holiday season I purchased 2 items that I was not happy with, 1 item was defective the other I was not happy with. I received a letter from Citi stating that because I had only returns and refunds for 2 months and had no balance to pay that if it happened again with no balance my card would be cancelled. I called Amazon to question this and it is a Citi policy to do this not Amazon. The person I talked to said to make a payment to Citi on a bill with no balance to keep the card active. I immediately cancelled the card and used a Synchrony Bank credit card for my Amazon purchases.

I recently applied for a Costco CitiCard. My credit score is over 830 with no late payments and usually a 0 balance on any card. I received a letter from CitiBank that I was denied because I had too many credit inquiries. I have ordered a credit report from Experian as I don't believe I have been applying for credit other than a new vehicle in Nov 2017 for which I was approved. I have no idea why this is happening and why Citibank is using criteria other than payment history and ability to pay. Both are stellar in my case. No customer service agent or manager can explain this policy to me.

Customer disservice, more like. Having had my credit card info stolen in the past, I now regularly check my account activity via phone app for any fraud charges. I checked it this last Christmas day, noted charges on there which were not mine. Immediately I call Citibank's customer service. "Oh, thank you very much for being on top of this, Mr. Customer! I'll credit the charges, cancel your card and issue you a new one." Ok, great.

I am taking the time to create an account and leave this review in hopes that I can help others not be scammed by Citibank. I recently received an email stating that they are lowering my credit limit. I have two cards with them and have never been late on a payment. With that being said, my issue is not with the lowering of my credit, but the way in which they did it. I received the email a few days after paying above the minimum on my card by $15 (minimum was $25, I paid $40). They lowered my credit such that, come next billing cycle I would be over my new limit if I did not pay more down on the card.

I just got charged $40 since I used a Balance Transfer check, a check which DOESN'T define there is a charge associated and looked like any other check associated with my other accounts. Citi is running a scam by charging customers a fees for these, it's disgusting so I canceled my credit card with them. I have other accounts and checks with Citi so sending something via mail, and cheating customers should be stopped.

My CitiCard got changed to paperless without my knowledge. CitiCard claims I did it when I did not! Now my credit is ruined. I have had them as a credit card since 1984. I pay all my bills every month. Theirs did not get paid because I don't check my email for bills because I don't pay one bill online. I pay by check. I own a small business and pay about 40 bills a month. Their bill went unnoticed because of the large amount of bills I pay. I would have NEVER set the payment up in this fashion.

I been with At&t Universal Citi Bank Card since 2007, I have always paid on time. I closed my account in 2008 and was assured by At&t Citi Bank that my interest rate would remain the same as long as I made my payments on time. Today I got my monthly statement and noticed that my interest rate went up 2%, I called and was advised that it was because of the labor rate and they had nothing to do with it. I asked them if they would give me discount if I paid off the account in full, they told me they do not do that.

It took over 20 minutes for an unsatisfactory customer service call all to all non-native English speaking people. They also don't accommodate long time customers at all. Too many good cards to put up with their bad service.

We had a -$0- balance on our Costco Citibank card and on 12/20/17 at 10:34am I called customer service to try to get our % rate lowered. The male agent I spoke with said "Why? You already have 0% through June." We used the card for a number of purchases. Next statement showed we were not receiving 0%. After 1 month of calling Customer Service from 1/16-2/13 and speaking with numerous reps with promises of call backs from a supervisor (no call backs received), I called 2/15 and stayed on the phone for roughly 20 minutes. I wouldn't give up, and finally the rep put me on hold for a minute, came back and said it was final and they couldn't do anything for us. I questioned her what precisely that meant, and she said to wait again and someone will look into it.

Citi has been in charge of the Costco credit card for quite long enough to iron out any customer service and billing problems. But I guess not. I have been a Costco member for over 20 years, and I never had any issues when the account was handled by American Express. I immediately started seeing billing problems when Citibank took over the card. Their daily addition of any interest due, even after the balance And the interest charges have been paid off in full, is extremely frustrating. I have been talking with their customer service rep Antoinette (COS **) but nothing she says makes any sense. I had a balance that was paid a few days late in November, but December and January bills were paid in full on time, even paying the interest charges on the invoices in full.

Due to a previous fraudulent purchase from August 2017 from a pharmaceutical company in Georgia, I called Citibank on January 19, 2018 to inquire about suspicious activity and to ensure my account(s) were safeguarded against fraud and deception. During the conversation, the representative stated that as he reviewed my account and payment history, he noticed that I paid off balances way before the due date and that I had a $643.51 balance on my account. Upon receiving this information, I was alarmed, as I have always paid off balances before the due date to ensure no additional charges (and penalties) would be accrued on the account. Upon receiving the aforementioned information, I told the representative that I had sent a check in the amount of $643.51. He then told me that the check had not been received and that I was in danger of the account being late because the payment was due the next day.

Let me start by saying that I signed up for an American Airlines/CitiBank miles rewards card in mid-January, and I am already looking to cancel it; that should tell you how horrendous this company is. I've been a customer of Capital One for 4 years, and Discover for 10, and I've never experienced any of the same hassles with those companies that I have with Citi. I signed up for this credit card in January because I travel regularly for work and wanted to start banking miles to take personal trips. I don't have a very high limit on my miles card, so I make new charges to my card and expense them through work/pay my credit card weekly. Citi saw fit to freeze my first two payments - totaling almost $3,000 - due to suspected fraud. Keep in mind, my credit limit on this card is about $4,000, and with a constant rotation of multiple-night hotel stays and car rentals, the remaining $1,000 gets eaten up very quickly.

Beware of auto-enrolling in paperless billing when enrolling a new or replacement credit card. I had been a Citi cardholder since 2001. A couple of months ago I received a replacement card and promptly went to their website to activate the card; apparently when activating a new card, either they automatically enroll the card in paperless billing, or set a checkbox to default to enroll in paperless billing and I missed it. For the next 3 months Citi sent my bills to an email that I use for spam and junk mail, which means I rarely check it, and when I do, I am certainly not checking it closely for important information. By chance I did check that account -- over Christmas break of all times -- and happened to see an email from Citi claiming missing payments, I immediately ask my wife (who handles paying the bills) and she confirms she hasn't missed paying any bill, she even shows me the stack and proves there aren't any bills from Citi.

I have been getting the runaround since Dec regarding one of my Citibank credit card accounts. I made an in-store payment on my card and basically they can't tell me what they did with 1356.00 of my money (which has cleared the bank) but which they did not apply to my account. I have been in weekly communication with them and get told something different on each call. In the meantime I get their robocalls telling me I am late on my payment and they are attempting to collect a payment. The 1356.00 paid off my account in full. The individuals I've spoken to have been polite but the Citibank process - or lack thereof - has been a nightmare. I feel like I'm walking through every level of Dante's Inferno - where I should not even be - with no end in sight.

If I can give their customer service any stars I would give zero. Nada. Null. Nothing. First - we have a card with a big credit limit. We don't use it often but we keep it open so in case we have an emergency, we don't have to worry about getting things paid asap. Now, we weren't getting statements because of the zero balance in the last couple of months. No statements, no calls, no nothing. Apparently, a subscription we had automatically renewed and since we weren't getting statements on the mail or by email, we didn't know something was due. That's the sad part - no calls, or emails about it being unpaid UNTIL IT GOT TO COLLECTIONS! Almost all of us gets spam calls so it would've been helpful if they left a VOICEMAIL but no, no voicemail either.

Citibank sends me an email because I used my cards too much in several months. Said they reviewed my account and my credit report because I used my cards a bit too much they decreased my credit limit. I advised that I opened a new business and I had to use my cards to get the business up and running. I also explained that I have never been late on my payments and even made double payments on my account. They said they take into consideration what's on my report not what's on my account. They did not seem to care that I had been a valued customer.

When my card was replaced with a new card they royally screwed up on multiple levels. I had a CREDIT on my credit card account number which they transferred to my new account number as a CHARGE. The cash awards did not get transferred to my new account but could not be refunded against my old closed account. Something that is this simple is easily handled by other credit card banks, but it took MANY calls and much of my time talking to Citi to get this basic transfer completed. Oh, and the customer service folks clearly do not speak ENGLISH well -- which made this whole experience all the worse. Icing on the cake: User has to MANUALLY go into account online or call company if they want to redeem cash awards every month.

I accepted a 12 mo interest-free offer from Citi Card. I paid the balance off during the promotional period as agreed and never paid a late charge. Fast forward 2 years, we are buying a house, mortgage broker pulled credit and Citi Card shows over 40 late charges that started posting after the balance paid to -0-. Six months ago I submitted all documents that they ask for to begin removing the late charges, Citi Card agreed immediately that this was their error and that they would fix it within 30 days.

First, my bills are paid and I have been a CitiCard customers since 1989. I understand Fraud Protection, it comes up sometimes because I forget to notify my card I am out of the country, or sometimes because I am on the border of another state and frequently shop there. This time I had to pick up my vehicle at Toyota, in another town, but one I frequently shop at. The bill was $800 and I used my CitiCard without an issue. 10 minutes and 1 mile later I was at Tractor Supply, one I frequent when I am in this town, to pick up livestock feed, another item I buy very frequently. To my complete surprise, the card was declined based on fraud involvement. Seriously! I call CitiCard right away and was told I had to be at the phone I was billed from. I'm 40 miles away in -10 weather, without cash and now without credit.

We made a hotel reservation with Reservation Counter, based in Lehi, UT, and canceled before the cutoff time in order to get a full refund. Their policy was on our receipt. If we had called after the cutoff time, we would get one night's hotel fee deducted from our refund. They won't give us any refund, so I contacted Citi. They opened an "investigation", and sided with the dishonest reservation company, citing that we were never promised a refund by Reservation Counter. Duh! That is the problem and why I contacted Citi to help me with the dishonest merchant. I know there's a lot of fraud out there, but this is the first time that I haven't had my credit card company's assistance to back me up. I will complain directly to Costco, also, about changing the credit card merchant.

I applied for the Citi AA card that they hype on all their flights to get the points. I received the card and charged $1,790. in the first month. I paid the balance well before due date. A week later, when traveling, my card was declined for what the foreign customer service person said was a social security question & that a letter had been sent. When I returned home, the letter requested a COPY OF MY SOCIAL SECURITY CARD to be sent to some third party. Huh? I called Citi and finally got a USA rep who said ignore that letter, it was sent in error. The problem was that this third party could not verify my cell phone number and were afraid of fraud. That doesn't even make sense. I charged nearly $1,800 and PAID IT ALL OFF, does that sound like fraud? I have had the same cell number for 20+ years and been an AA awards member for longer than that but they could not verify it.

I have been a customer of CitiCard since 2008 and have always maintained a up to date account. On December 13, 2017 their customer service department contacted me regarding a payment and told me that to avoid a late charge to submit my payment. I admit, sometimes life gets the best of you, but I made a payment as she asked me to do. I then get a statement and they charge me a late fee. Why in the world would you tell me I was not going to get one if I made the payment and after I made the payment you gave me one. That is not good business. Let alone, by law there is a grace period for making payments. I will be terminating my business with them.