Citi Credit Cards Reviews

Tried to buy gas at a local station I had used in the past. Citi computer system went down and the transaction was flagged as a potential fraud alert so my card was locked out. When I talked to the customer service rep, she said there was nothing she could do and hung up. When I called back, I cancelled the card but what they didn’t disclose was in closing I forfeited all my cash back rewards. I will never use Citi services again.

I have tried to value the CitiCard ever since Costco switched to it. My first engagement was with the transfer of the prior card transactions... no statement arrived from Citi, but yet I was blessed with paying the late fee and interest. This situation lasted for months with the only way of resolution was for me to pre-pay a month in advance to stop the insane methodology of their interest calculations. Next, comes the onslaught of texts and calls verifying transactions for items no other credit card company ever calls on. Not for charges incurred out of state...or out of country...but for basic transactions at local shops.

On Dec 17 I received an email notification that an "action is required" and that I'd have a notification in my message center about an account closure. There was no message in the message center. So on the same Dec 17 I called Citicard. The representative told me that all is fine and that the only thing I'd have to do to avoid account closure was to use my card. On Dec 19 I tried to use the card. To my surprise, the transaction was declined. When I called Citicard (on Dec 19), the representative told me that the account was closed on Dec 17 -- the day I received the (only) notification that there is something going on with my account, and the same day when a Citicard representative that I talked to didn't tell me that the account closure was going to happen that same day.

I've been with CitiCard, at least 5-6 years. I haven't made a late payment in over 2 years. I accidentally made a late payment 2 days past the date, and they refuse to remove the late fee. So their excuse is, only if it's the fault of the bank. They are going to lose customers quickly with this new rule!

I have been with Citi cards since 1991. Over the last couple of years they have increased my interest rate for no reason. I paid one day late in the last 12 months and they increased my interest rate by 5%. I am going to pay off the balance on my account asap and close this account. CitiCards are corrupt and should not be able to get away with this.

For 10 years I was with CitiCard and never late until I started online billing for the first time ever. Well, CitiCard cash my check on the 4th of the month but didn't credit it to my account and three weeks later I've rec’d a past due notice, I called; completed forms, they sent me letter and said they fixed it. I applied for another credit card with Costco and it got denied, I call CitiCard and they told me that they don't turn it into the Credit bureau unless it is 30 days late. Today, I received a letter from SDCC company that they denied my checking account because I have a late payment. Mind you, most bills due on the first and they cash my check on the 4th of the same month, that is not 30 days past due. CitiCard screwed their customers as usual.

I won't go through all the details here, since I've already spent 5-10 hours on this nightmare, but despite being a current CitiCard customer with excellent credit score and good standing accounts, my credit card application for a new card was declined. Every time I called in they gave me a new reason and asked for personal documentation, which I provided, until I finally hit a dead end when they wanted signed statement verifying my income from my banker. This was time-consuming and applying hurts my credit score, and I really resent CitiCards and this experience. Stay away!

Citi unilaterally decided to prevent customers from making edits (highlighting/putting sticky notes) on their PDFs as of September 2017 without any notice. I review my statements monthly to identify fraudulent charges and prefer marking them up for Amazon, eBay, and PayPal to as a check that I made them. You can just print the secure PDF to another PDF to work around their security settings. I can understand "tampering" concerns for PDFs but why prevent highlighting or sticky notes? This is not an industry standard as my other online statements can be fully edited: AMEX, Discover, Chase, Schwab, Bank of America, Vanguard.

Made an online payment last month in October with Citibank application paying off the entire amount before due date. Received a text msg day before it's due, says that my payment is due. Spoke to a representative and they said it didn't go thru. I gave my routing # & acct #. Authorize $25.00. It was confirmed. Received a text msg 11/9/2017 overdue. Checked my bank nothing posted for October. Did online payment with my bank on 11/2/2017. Money taken out on 11/6/17. Checked my payee list. It hadn't cleared yet. Set up my acct with citibank application again with routing # & acct # again. IT WAS CONFIRMED. 11/10/2017 Woke up to text message overdue. Checked my bank account. Nothing.

I can’t wait to dump this card. Every time I turn around they want to charge fees. They are very quick to notify me that they charged my account a Late Fee of $25 on a $100 balance and that it's due immediately. But they take their time notifying me that my payment is due soon! The service on the phone is terrible - don't expect them to accommodate you on anything. I have been a customer over 8 yrs with minimal balances and I Have Had with these morons. They honestly don't give a ** about their customer. Card itself provides NO Value and the benefits are superficial. Although this is my backup CC, it's costing me more than other Annual Fee CCs.

Used only a small amount of credit before they locked my card. Was unable to unlock my card with my own information like I don’t understand this. I figured it would be resolved when I called but I got nowhere since I shredded this card and will never go back even if they let me. Weird ** company I got cap. Discover I will be using them. I would avoid CitiCard bank. Definitely there are too many better cards.

Costco Citi Bank Visa - I paid 398.26 on 10/10/17. They took out another 398.26 on 10/16/17! I called in for a refund. Told 2-4 business days. No refund. Called back in. This time told 36 days upon approval. What they don't tell you is that approval takes 30 days. I am 70 years old with a life threatening disability. Now I cannot afford the copays on my meds, or needed medical care. Tried to explain that, but was basically told tough **! I will be passing out flyers at Costco to warn people about this card. If they don't like it, I say to them tough **! I will be passing out flyers until Costco dumps this card or the world ends, whichever comes first!

They sent me checks I could use. I did. Then I get call verifying I used a check. Which is fine. But the call was 20 mins long and speaking with a lady from mylan that can't understand but 3 words of English! I'm so mad. Why is my US bank making me talk to someone who doesn't speak English!!!

My husband and I have a card. We didn't get our statement in the mail so I called. They said I was just an authorized user. That is how they set up the accounts so they would not give me the statement. I pay the bills. Even after talking to my husband, they won't give me access since I am not primary. They couldn't change primaries without closing this one and having us reapplied. I am unsatisfied. I refuse to pay without verifying charges. There should be no reason they can't make a note at primary's request that I have access. What he be in a coma? Or there could be an emergency. This is unprofessional. You can give me access to medical and they have it on file. Why not credit card bills???

I applied for a Citi credit card and they offered me 0% APR on balance transfers, which I took. Now, I am being charged 14% APR on all new purchases, even if I am paying off my new balances before the due date. The balance transfer option is just a scam for them to be able to charge interest.

I have been with Citi Credit Card services for almost 15 years and the one time I made one late payment by 5 days, they refuse to waive one late fee. I am never using my CitiCard again. The alert e-mail for my payment due went into my junk folder so I never saw the e-mail. As soon as I was checking my balance online is when I realized I missed the payment like I said by 5 days. I paid the balance in full on the date less the late fee. I wrote a e-mail asking for it to be a one time waive, and they shut me down like a bad habit. There are too many credit card companies out there to deal with one that will not work with a long time customer for 15 years. Very disgusted with Citi Credit Card and will no longer own a CitiCard and I will let others know of their nastiness. They didn't even have the courtesy to e-mail me back with a decision.

I paid my balance down $900 one month. They then decreased my credit limit to nearly the exact amount I paid it down to and claimed I had a delinquent obligation on my credit report. They also did not report to credit bureaus for two months. I called and was told I needed to talk to a manager and that one would call me back. They never did. I received a letter in the mail telling me they tried to reach me. I then turned it over to the BBB. I received a letter in the mail stating no new information that was brusque. This is a terrible company.

When I forgot my password to their precious website, I click the forgot password link, entered the info it asked for, and then was immediately prompted to contact customer service to verify my credentials. Bullcrap!!! Upon calling their India based "customer service center" where English is a second language to every single operator, and verifying my name, address, email, phone number, and any other price of identifying information they could possibly need, I was told they had to send my request to upper management. Wtf??? This is a simple password reset request. Why the hell does upper management need to be involved?? I've called them back multiple times and am still locked out of my account over a damn week later!! ** Citibank!!!

I closed the account three months ago and paid it off in full. Today I received a call saying I had a balance of $5.34 based on interest accrued after I closed the account and it was 35 days past due and had been reported to the credit agencies. They never sent me ANY notice via EMAIL or MAIL to let me know there was a balance.

I have been perfect client with Citibank for over 20 years and still. However, Citi in the last couple of months was delaying and not delivering my new card which I had for over 20 years, and Citi staff have been unprofessional and incompetent.

I moved from CA to College Station Texas first of Sept. My yearly fee was due in May and was talked into paying it and if there was not a Costco here I would be refunded, and was told that I would still get my rewards on my credit card if I left it open. In the meantime I continued using my Citi card for a lot of purchases to get the rewards.

I've been using Citi MasterCard for 18 years, and had over $530 cash reward. One day, I found that the avail reward is just $23. Per Citi, there was no qualified transaction for 1 year, so the reward is expired. There was no purchase, but there was activities (Balance transfer and payments). Anyway, $500 is just gone. **. Citi robbed. They said there is a agreement. There could be. Make sure you read all documents you received from Citibank. They will never alert or warn. They always try to rob.

I'm a Service Member who is required by the military to use my Citibank GTCC whenever I travel TDY on business. I always pay my balance after each trip from savings in my personal accounts to avoid any late fees and problems that could affect my credit history, because I never know how long a voucher claim (through the Army side) may take. Once that voucher does get approved though, it's like pulling teeth to get Citibank to release and transfer that money back to my personal checking account. In this case, I returned CONUS in June 2017 and am still (nearly October 2017) fighting to get my money back.

They truly do not care about their customers, and I wish I had never opened an account with them - but I guess that's all major banks, huh? Their customer support is atrocious, and their terms are ridiculous. Avoid if possible.

I recently tried to buy gas, card was denied. I purchased a TV from Walmart. Got an email from Walmart saying my purchase was cancelled. Citi said it looked like a fraud purchase. I called Citi to clear it up, agent put me on hold then hung up. Called again, not helpful. Paid off my card then tried twice to close my account. Still have not gotten it closed. Website is a mess... Get a Bank of America credit card, great website and no problems using the card.

Purchased door online and the doors had to be fabricated. Decided to use Home Depot Citi Credit card. I understood I would be billed upon receipt of the doors. Lied to. They immediately charged my card even though I did not have possession of the merchandise. It took a month to fabricate and deliver to the store. Meantime I got flooded in by the TS Harvey in Houston. That made me late on my payment and I was reported as such. I've not had a late pay or slow pay in 45 yrs. Never, never use a department store card again. Unscrupulous and egregious practice setting customers up to lose. Silly because they lose too. No alerts like given by Discover and Chase reminding customers payments are due.

Received Citi Simplicity Card in mail today 9/18/2017 @ 7:19 pm. I successfully activated the card. However, upon registering for an online account I was asked for a code word to validate my account. Confused I called the Customer Service # listed on the card and explained to the first representative I am a new account holder; just received card, activated and have no such code word. I was told I needed to verify my identity. That call ended by her disconnecting and two calls later I spoke with Kevin and repeated the above. I informed Kevin I was recording the call as the two previous calls ended abruptly and I was unclear why. Kevin proceeded to tell me he needed a number to verify me. I told him I had three numbers. He immediately tried my landline number and stated my name (verified it was me and my Xfinity account) but then proceeded to tell me my Xfinity number did not meet the criteria.

I've been an account holder with CITI credit card 2-3 years. Yes, I did take advantage of a 'balance transfer" based on it had to be repaid by 3-1-2018, at 0%, with no monthly payments required. While talking with a rep, regarding, I think the June 2017 statement, he asked about an interest rate of 5.99%, going forth on the account. WHY would I not think this applied to any unpaid balance on the account... No it was the daily rate charged on my purchases. Who does this? I feel as though I was duped by the rep. He probably had some sorta incentive to do this to X amount of consumers. I have destroyed the card and will pay them in full when my charges for the last few days have posted.

Purchased a laptop online from Dell for my son's birthday. I was then sent an automated text from Citi asking whether I had made this purchase. I replied yes. Then got notice from Dell that there was a problem with my purchase and that they would attempt to process the purchase the next business day. As it was late at night, Dell customer service was closed. This delay may cause the laptop NOT to arrive in time for my son's birthday. I called Citi customer service; was told the purchase was denied because it was suspected to be fraudulent. I asked why they couldn't have contacted me to verify the purchase prior to not authorizing the purchase. No valid reason was given. What is the point of having a credit card if you can't use it? I am more than annoyed!

I cannot describe how frustrating and unfair it is to find out that my credit card, an 11-year old account, has just been canceled for "inactivity over 25 months". I have been working as a Peace Corps Volunteer for almost two years, and now that I am months away from returning home I have to learn that my card has been canceled after trying to buy my ticket online. I have made all efforts to constantly communicate with them over the phone to check on my account (for fraud activity), to update my US address, and to place the necessary travel notices. They have offered to submit a "complex" request to reinstate the account only after completing a process that is more like applying for a new card! Again, I have been working as a volunteer for the past 24 months with a very low stipend, is it fair for my relationship with Citibank to be based on these past 25 months instead of the past 11 years! What a major betrayal and lack of customer service!

I was disputing a charge but because they outsource to other countries I could not understand the person I was speaking to and they got the whole thing wrong. Citi refused to help me so I cancelled the card. I had been with them for many years since college...

I was notified that my credit limit in my credit card was decreased because my credit score. First, I wasn't requesting an increase in my credit card limit. I was behind for almost 3 months but when I got the money before the end of July 2017, right away paid my credit card in full, to be in good standing with the Citibank credit card and also because I want to repair my credit. What this deplorable company did was wait until I used the credit card, which I did last weekend at Costco to get the reward points, in a minimum purchase and then yesterday they decreased my credit limit and their unacceptable excuse was that they review the account for what?? And they made the decision to decrease the credit limit.

This bank is impossible to deal with. I saw a promotion for 0% interest and thought I would take advantage of it, signed up for a card and later received my card in the mail. I followed the card activation steps that came with the card and even got an email confirming activation, can't use the card. I tried to register for an online account and it won't let me. I called the number on the back of my card and they immediately want me to validate my identity by giving them a credit card number from a different major company, they don't want my Citi card number or my SSN. They want me to give them a different credit card! I can't use the card they sent me, can't access my account and all they want is for me to provide them a credit card. Now I'm fighting trying to get them to cancel the card.

I received a Citi Card credit card double cash rewards in the mail on August 9th. When I attempted to use my card a fraud alert was placed on it because of erroneous information linked to my name. In an attempt to try and figure out why the card issued to me, when I have a 800 point credit score is in a continual conundrum for resolution I get absolutely nowhere.

I had been a Citi Bank Credit Card holder for more than 10 years until last year and always paid the full balance every month. Sometime last year, they stopped sending me paper bills. It took me a couple of months to notice. When I contacted them, they said bill was sent via email which I never requested. I looked for the emails but didn't find them. I protested but they were not very accommodating so I paid the full balance and canceled the account without realizing how this would affect my credit.

I have never in my life experienced customer service agents as rude as the ones I've spoken to. I am an inside sales director and I would be MORTIFIED if my agents ever spoke to a customer how I was spoken to today. Mike, from the Florida Call Center spoke over me, basically called me a liar when I said I've spoken with someone in their credit line department, and was overall very unhelpful. I told him I wanted to speak with someone else and he said he wouldn't transfer me that he would have someone call me back within 24-48 hours. I asked him what if I just called back? He said then I could do that but he wouldn't be helping me moving forward.

We've carried a Citi CashReturns Mastercard since 2008. The card pays a 1% cash return on purchases. We decided to close our Mastercard, with a 0 balance, but with $16.11 CitiDollars accumulated from our previous purchases. When we closed the account, we were told we lost the $16.11 we had accumulated, because Citi only issues the money back in $50 increments. That sounds OK while the account is open and active, but when you close the account, it's as though you have a refund that they decide to keep!!! Very unhappy with this policy!!!

Per Citi: Apr for purchases is exact same for cash advances. Due to Citi's payment allocation rules, cardholder is unable to pay off cash advance before paying off purchases. Result a first on only $210 advance on 5/5/17 created $3.83 interest in May. Even though the monthly bill was paid in full by the due date the 5/5 transaction created $6.36 interest in June and even though that bill was paid in full by the due date the 5/5 transaction created $5.76 interest in July. The credit card agreement does not document this scenario nor does the monthly bill. Without calling in, a cardholder would have no understanding of how the interest was accruing or how to stop or prevent it. In my words: I was told the only way to stop the interest is to pay the entire charged amount due in full and not use the card for a month. Essentially, a one-time cash advance created continual interest income for Citi and the only way I could get out of it was to stop using the card.

I made an online purchase and then canceled it. The merchant said it was canceled and no charges were made. But the charges are still pending and funds not available on my card. I called the merchant several times and also the bank. One card agent told me to have the merchant fax the bank and tell them charges were not made. This was done but the charges are still pending. I finally requested a chat supervisor who said the bank no longer accepted the process of faxing from a merchant to notify them. She said the agent was misinformed. So now they said it will take at least 30 days and to contact them again if the charges are still there in 30 days.

Costco made a bad move going with Citi because they do not protect the card holder like Amex did. With Amex if something was in question they immediately refunded you but not with Citi Visa. I purchased some NFL tickets under someone else's account which he was supposed to pay me back which he hasn't. I called Citi about it to get it refunded because I have not received anything for the purchase and they told me they are not doing anything about it. Even though no tickets have been issued and not a single game has been played. They could have easily helped with the situation but choose not to.

I had my Simplicity Card for over three years and would use it and pay it off over 6 month time periods, sometimes longer, using zero percent interest. The last time I paid it off (about 1800, had interest for this usage), it generated a 9.00 interest charge. At the same time, I sold my house and moved into a town home that I rented. I changed my address through the US postal service two weeks early to start on my move out date. I never received a statement and thought that I had paid off the account in full, so didn't worry about not getting a statement. When I decided to go for a Costco Citi card, I was denied and they said I was late with another card (theirs) and that it had been closed. I called their customer service to find out what happened and had to talk with people I could not understand very well, but we fought through it. They assured me that I had a zero balance, and my credit card was intact.

This is comical in this day and age. Twice I've made early payments on my CitiCard and both times it's a minimum of 10 days for the credit to appear on my CitiCard. 10-days, it would have been faster when we had the pony express delivering gold. Because of this, I can't use the card and earn points. Costco made a horrible decision moving from AMEX to Citi.

Don't bother with Citi credit cards. I recently applied for their Double Cash card and was denied because they "could not verify the accuracy of the information that I provided". This was just a last week when I had been denied. My main issue is that I have been a member of Citi for nearly a decade, so when I provided the same name, phone number, address, and all the other personal information, that same info was already available to them through my other credit card account. Yet when I called for a reconsideration thinking that it could be easily fixable, they simple told me that something I put on my application could not be verified by both the Citi people and a third party team (basically the same thing the letter had mentioned (like I needed a reminder...)).

I have been a Citi Card customer for over five years. I opened my Citi Simplicity card in 2008, used it for a couple of years, usually, if not always paying it off in full every month. I eventually stopped using it to take advantage of the offers other companies offer when you have excellent credit. I haven't had a single late payment on any account in 15 years, and my high credit score allows me to get any credit card I want. 100,000 free miles from British Airways (Chase)? Yes please! 75,000 miles from (Chase) United? Sure! 50,000 miles from Capital One. You get the point, and understand the game. Several months ago Citi (rhymes with?) offered me a balance transfer deal at 0% interest.

I ordered my credit card from this company around April 28, 2017. I completed all information requested and it never asked me to process a payment for the deposit so I figured once the card came I will have to pay before activating it. Sometime near the end of May 2017 I received my paperwork from CitiCard but didn't receive the card. Hey no worries. I figured it would come soon after. It was almost a month later I still did not have my card. I was going through my email and saw that they said they updated my address. Then I was looking over my bank account information and saw they had already taken $200 out of my account. So I contacted them and they advised me the card had been returned. Why? No one could tell me because they have the correct address (Not to mention I received the paperwork already).

I first had the Citi Diamond Preferred card. My spending limit was 15k. I would always pay 2-3k at a time and paid it off quickly. Now one would think with excellent credit and payment history that requesting a double cash back Citi card with 5k limit would be a breeze. Right?! (which is what they promised from the start). When I receive the card, it only has a 1,000 limit. I called and it took forever to get through to a person. They can barely understand or speak English. They tell me that in order to get to that limit, I would have to have my credit hit again. After putting a few hundred dollars on the card and paying the bill 5 days ahead, they submit the payment to wrong card and it shows late. They said there was nothing they could do. Worst Credit Card Experience Ever! Discover Card is the very best I have found. Discover is none of the things I wrote above!

I had my Citi credit card for over 4 years. Never had missed or late payments neither on Citi nor on other cards. Recently my balance got quite high on all of my cc and my credit score was getting low. I was able to pay off significant amount of my credit cards debt yesterday including more than a 1000 on CitiCard. And the next thing they did is decreasing my cc limit for the amount that I paid off. Had to call customer support 3 times till they finally got me to the right department. I was told my limit got decreased based on my other card debt (which I paid off yesterday but is not reflected on my report yet) and the only way they could restore my limit is if I call back in 30 days so they'll be able to obtain updated credit report that would prove that my debt is decreased.

Do not apply for this card. They do not provide the 60k miles as advertised in the offer. I was shopping around for a credit card which had offers on miles. So I found Citibank Aadvantage which advertised an offer of 60k miles for $3k spent first three months. I applied and spent more than $4k in that time frame. But the miles did not reflect in my account. When I called the first time, they acknowledged the mistake and said they would correct in a week. No response. I called after a week, they said it would be looked at in next billing cycle. No updates. Calling third time, they said I wasn't under the offer and they gave me some reasons which I don't think even the support lady who was saying it understood. I asked her to check herself when the offer began and she said she did not have that info. Have logged a complaint with bbb for now.

I was initially excited to hold a Citibank credit card and loved the idea of the double cash rewards. I didn't realized that my credit limit was 1k; but thought I'd give them a call and just request a higher limit. My credit score is in the mid-700s and my utilization is well under 30%. Within days of getting the card they are requesting to pull my credit again and I refused as it will hurt my scores. They claimed it was the only way to review my credit but how did you approved my originally?

I spent over $5400 in 2 months and my 2% Cashback Reward is stuck at $24. They use some complex rewards calculator and although I carry a credit balance (paying my charges online once a week) they don't credit either of the 2 cashback amounts. I went back to using my Chase Freedom card.

I opened an American Airlines Citi card online as part of a promotion to save $100 off the price of an airline ticket, but there was an error in the system and I did not automatically receive the discount. Called customer service but their only advice was to wait until the actual card arrived in the mail in 7-10 days. So I waited, used the card, and received the promotional discount, after much wasted time. Luckily the ticket price had not risen during that time.

I just got a Citibank card a few months ago in order to reduce debt interest free for 20 months. I paid $200 for May & $200 for June, or so I thought. I apparently paid the June payment ONE DAY before the May billing cycle ended so, it apparently didn't count for my June payment. I even checked my account online on June 1st & it showed $0 due for June. Today, however, I received an email stating I was late with my June payment and owed a $25.00 late fee! I called them and they explained that they could NOT remove the late fee despite my repeated explanation that I pay my bills early AND that on June 1st, Citibank showed $0 due. I spoke with a supervisor who also said they would not remove the late fee as it was not a Citibank error. Unbelievable scam company!!!

My card was refused today. When I called Citi I was told that I was over my credit limit. This is not true. The Citi system is set up so that when my automatic payment is made each month, it is not reflected for ten days. The representative told me that since it was a large payment (over $8000), and due to fraud, the payment which was made June 21 would not be reflected in the credit limit until July 1. However, the prior month my payment was over $10,000 and this did not occur. After about 20 minutes this was resolved by having Citi call my bank. Indeed the funds were posted to Citi on June 21. I got no explanation as to why there was a hold put on my account despite the funds having been paid. I never had a problem with American Express. Costco needs to go back to them.

So I had pending charge of 61.18 on my account dated for 6/17/17. Okay, so I called the merchant and they clearly told me that it was already processed and canceled on their end. So, I go back to my account to see that the amount was dropped (I mean it literally disappeared). I am thinking, okay my money should be back on it this morning... WRONG. It "magically" reappears as pending AGAIN for 6/20/17! HOW DOES THAT HAPPEN???

I traveled out of country and I tried to make a payment before due date from another country but it didn't work by phone some reason. Then I just came back my home and made a payment. It was been late 4 days and they charged $27 for that and I explained to employee. Also I begged from supervisor Sasha but she said she couldn't remove that for me. It was very first time it ever happened.

I cancelled my Citi Mastercard today after keeping it as a backup to my Visa card for many years. The reason being that Ooma (the VoIP company) charged my CitiCard for advanced 2017 payment in Feb 2017 whereas I had switched to Time Warner (now Spectrum) sometime in Mid 2016. Citi wanted me to produce email evidence but unfortunately, it was done over the phone and if you know Ooma, they don't use emails very much, their website even does not have a 'Contact Us' or 'Help' button. Also considering that it was not some service which Ooma had already delivered, instead it was a charge for future services without my permission or notification, there should be no way that Citi should allow such a charge - but they did. In my conclusion, Citi did not protect me as their longstanding customer. I would not recommend Citi credit cards to anyone.

I have been a Citicard customer for over 40 years. I had a situation (which I previously posted about) where I used my Citicard for an online purchase of cosmetics. This turned out to be a scam where you purchase the item and it turns out to be a recurring subscription. I called Citicards when I saw charges of almost $300 that I did make. I filed a discrepancy report and they reversed the charges at first. The company then sent proof that I received the products (which I did but not at the amount they charged me). They also sent a screenshot of what they say appeared on their website. This was erroneous. Needless to say Citicard put the charges back on my account based on this. After hours of calls to every department they refused to honor my loyalty and honesty. They said the last resort was to write a letter to Citicard and address it to President with an address they provided. I was told I would then hear back between 7-10 days.

Citibank card holder since 1995. Credit limit 25k. Needed to send money to friend in Florida. His bank wouldn't take cash, so I figured I'd put on my MasterCard. Tried to send $500. Card declined. Called customer service and she informed me of 400 limit. She said she'd talk to supervisor for the 100 additional. Supervisor said, "No." I've been a loyal Citibank cardholder for 25 years with a credit score in lower 800's, and they turned their back on me. Many better card companies out there. Find another!

They categorized a transaction as a cash advance. It was only on the last day of the credit card cycle they did this and charged interest. Customer service is full of smug bots that do nothing but toe the company line. DO NOT do business with them. The absolute worst credit card company I've dealt with. Class action lawsuits need to be filed.

After opening account they locked my account after a few days. Calling customer service they ask for additional information beyond the dozens of things already provided. Phone number, nope we need another one... nope can't use the other one (getting a bit annoyed at this point). So now they as for another banks credit card (20 mins on hold, "Sorry we can use Capital One..."), next credit card ("Nope sorry we can't use Chase... ???????), next thing is the person say a manager will call you in 48 hrs and hangs up. Odd, I think. So I wait 24 hrs and somehow they route me to the same incompetent moron who proceeds to hang up on me again. So as I throw the chopped up pieces into the trash. I wonder... how much more of my time are these people going to waste of mine before they sell my personal information to someone.

I have an unauthorized use of charge on my statement. Opened a case, they said because the card was used with the chip (I never did for this merchant) I can't get back my money. Basically Citi claims that we have 0% liability. Well, that is not true. If you can't prove it you will be reliable. Worst credit company I ever dealt with. I do not recommend Citi! Their customer service is equal to=0. Citi should be sued for making claims like 0% liability when they make you pay for fraudulent charges.

Last year forcefully I was given a credit card which I didn't activate since I already had one. The executives told me no money would be deducted. Now I see in my current statement that they have asked me to pay 1500+150 rupees for the card fee. This is fraud by Citibank and they don't even respond on calls and emails. Please help me for such cheaters.

While the card promises 4% reward "CASH BACK ON ELIGIBLE GAS WORLDWIDE INCLUDING GAS AT COSTCO for the first $7,000 per year and then 1% thereafter", I find that 95% of the money spent on gas purchase was calculated at 1% cash back while 5% or less was calculated at 4%. And I'm far from reaching $7,000. This is a CHEAT. I tried to look for the definition of "ELIGIBLE". Wasn't easy to find. Here it's: "Certain Non-Qualifying Purchases. You will only earn 1% cash back, not 4%, for gas purchased at superstores, supermarkets, convenience stores and warehouse clubs other than Costco or for fuel used for non-automobile purposes." I'm not using it to buy gas anymore outside Costco.

I was initially excited to hold a Citibank credit card and loved the idea of the double cash rewards. I wasn't thrilled about my credit limit; but thought I'd give them a shot and just request a higher limit in a couple of months. I've had the card for almost a year now. I've requested a limit increase and have been given the runaround. My credit score is in the mid-700s and my utilization is well under 30%. When I was denied 3 times for a limit increase, I called Citi requesting an explanation. They claimed I was delinquent on a credit card. I told them that that was a flat out lie and that I've NEVER been delinquent. The representative fought me nail and tooth and said that he just couldn't help me because that's what he has on his end. I check my credit reports and scores religiously; I even told the rep that I would fax my report it in to prove it. His response? "That won't be necessary; unfortunately, there is nothing we can do".

First off thank you Tess (the early fraud department lady) for wasting my time. You are by far the moronic, idiotic person I've ever had the displeasure of dealing with. Citi had to verify that it was my account so they decided to lock my card. I called them with my cellphone. They say they can't verify so I have to call with the house number. Called back with the house number and they said they can't use that either. Now they're asking me for other credit card account numbers with different banks and asking me for the phone numbers to verify my information. After God knows how long they say they can't verify at all and that a supervisor will call me back in 24-48hours. I ask them what number they're going to call me back on since both numbers can't be used to verify that it's my account. She tells me that's for them to decide.

I used the ThankYou Citi credit card customer program points to book a Hilton Hotel room through the Expedia site. I thought as I completed my transaction to pay for the room, which was 16000 points plus a PayPal transaction of $52. I follow up on this transaction and the points were not used and Expedia charged my PayPal account the full room charge of $162.22. The hotel is not located in or near the Houston Galleria area. The hotel is not a 4-star hotel. If you go to the Hilton's Honor website to book a room for this hotel, SW Hilton Galleria, the room is only $99; reduced to $75. Through the Citi Credit Card ThankYou Reward Program; Expedia is double charging customers in order to make a good profit from Citi credit card's customer. Please beware of the deceptiveness of both the ThankYou program and Expedia.

I made a typo on my application. I called to fix it. Staff was rude. Didn't understand English. Indian customer service representatives. Never doing business with them! Thank God it was only a hard pull. No need to go here. Do your research folks. My mistake I did not!

Started on 3/17 as 0% purchases, until 11/17. So far, int charges are made which tells me have to go back to my habit on paying off in a monthly basis. Citi tracks your path and finds the way to break your habit! Hope paying off will be forever a 0% int charges, otherwise banks will create a 'fee' for being an outstanding customer.

I have an excellent 30 year credit history. I have paid off a mortgage and have had many credit cards with very high credit limits. Took out a new Citibank double points card. Frozen twice in the first month. Second time called in to customer service to reactivate - they cannot establish my history and want me to fax a social security card and recent statement to them. I don't have easy access to a fax and certainly don't want to be sending sensitive information that way anyway! So this is not happening. I paid off my bill (before it even posted) and they can contact me if they want me to use their card.

Let's put it this way. Never have I been late for payment. I always pay the max amount instead of minimum. I mailed a substantial payment on the first. It was received on the sixth. It still hasn't been posted. I'm not bragging but my credit score is very high. I was told it did not get posted because got there on the weekend. Bull! They are holding it because it says pending online. My card is all but paid off now.

It looks l am in the same boat as many other Citi customers. I have been following up regarding the same issue past a month and all I hear is we are taking notes. There were about 5 fraudulent transactions made on my card and except for one transaction the rest have been secure credited. They have transferred that fraud transaction's amount to my new card and when I keep asking when I'll get that money back I don't have an answer from them. I even get an email asking me to update that merchant on whose name the fraud transaction has been made with the new credit card details :). In my 6th follow up call after a 50 min. long call they disconnect my call. The best part is now they say that I have accepted the charge for that fraud transaction. They have missed the logic that 2 transactions have happened on the same merchant and they credited back for one transaction and the other one I have accepted.

We have three Citi Cards. We do not nor did we ever request another one. We never received anything stating we had received one. We never received a card either. Yet, we just received a bill for our Costco membership on this non-existing card. Tried to cancel it and pay our membership with a card we do own and have in our possession. They are putting it on our credit now that this is in dispute. Not sure if Costco or Citi is the worst company ever. But neither has any ethics. We never signed for a new card and never received one.

Dishonest, do not treat customers with respect and fairly! I have a Home Depot card that is held with/under, Citibank. I recently check my credit report and found that Citibank has me delinquent for 60 days, for a bill that is less than 30.00 dollars. I have had this card since 2007 and my credit report shows I have never been late! However, I called Citibank to discuss my issue and I was told a cease and desist order was put on my account, to not call me about this $30.00 dollar bill. I was also told that I requested paperless bills. Citibank said I have been paperless since 2008. I sent Citibank proof that I have been receiving my bills by mail; I told them that customer service told me they do not show anyone calling my home.

I've done business with Citigroup for decades, even credit cards, but I applied for a new reward card a month and a half ago. I never received any correspondence from them since, including statement/bill... Whatever. Yesterday I finally get a notice that they are going to be nice (paraphrasing) and not charge me a late fee since it was my first time EVER. I said, "Well thank you very much and I would pay my bill in it's entirety immediately." I made the wired transfer and then I look over the statement and they charged me just under forty six bucks for being four days past due.

IMHO Costco American Express was/is heads & shoulders above CitiCard. The deal is done and there's no going back for COSTCO, but I have to seriously rethink the value of a COSTCO membership vs the aggravation associated with all things CITICARD. In the less than one year since the transition from AM-X to Citi, I have had to deal with CitiCard on so many issues (from charges to website access) that I have lost count. Can't remember ever having a problem with AM-X.

Let me start off with how wrong the Citibank transition was carried out... 1st off we chose not to opt to get the Citi card and made no attempt to do so, rather we continued to use our Amex card for ID to get in the doors and would pay cash or use a debit card as payment. My husband got a call stating that we owed over $400 on a past due Citi Costco card. OK so how did that happen? Well apparently they opened the card without asking us, and sent it in December to an address that we sold and moved from in November?

Went online and applied for a card. My credit score was very applicable. They called me for information. The only thing they wanted was how much rent and how much yearly income. They turned me down and I was told that I couldn't receive a reason by telephone. I would have to wait and get it in the mail. Since my credit score has been very good this was my first denial. And my guess is because of yearly income. I believe this is not a reason to turn someone down. I've had seven credit cards over the last few years.

I have been a Citicard customer for many years. I have always paid the balance in full every month. On the statement for February 15 to March 14, 2017, I was charged a late fee and interest. My check was mailed from middle Tennessee and was going to their Louisville, KY office. I mailed the check and saw my mailman grab the envelope from my home mailbox on March 6, 2017. At most the check would take four days to deliver which would be well before the due date. Citicard posted the payment on March 15, 2017 which was nine days later.

Costco should go partner with another bank. I used my card for literally everything from travel to gas and of course, at Costco warehouses. I got a rebate for $1206. Apparently since I pay my bill in its entirety every month, Citi wasn't making enough interest from me. Without notice from a letter, phone call or email, I went shopping at Costco and my purchase was denied. DENIED FOR NO REASON!! I called Citibank Customer service and they couldn't even figure it out. I had to write a letter. The Citibank representative said that was the only way to contact whoever canceled my card. No telephone number, no email to write to. I have to rely on "snail mail" and the Pony Express.

Got scammed with a trial offer. Called to dispute monthly recurring charge that I did not authorize. Citi closed the account, temporarily issued a security credit and issued a new card. Was eventually told by Citi that they could not help me because the company showed proof they delivered the product. I argued with them to no avail. I Called the company myself and obtained a full refund of the unauthorized charges. Citi applied the credit against the charges on my old card and reversed the temporary security credits reconciling the account to 0 as they should have. Some of the charges however were transferred to the transaction history of my new card by Citi.

Weak Bonus Programs & Frustrating Cash Rewards Redemption Process - When making one of my infrequent visits to Costco in late November 2016, I unfortunately forgot about the termination of their relationship with American Express. Out of all the credit card issuers out there, I would have to rank Amex at the top of the list with respect to service and an overall positive customer experience. I've been an American Express card holder for 20+ years, and plan to maintain an account with them for the remainder of my life. I was dismayed to learn that the time had expired in which American Express was an accepted form of payment at Costco.

I made a payment on my account online and realized I made it against the wrong checking account. I call them and was told to place a stop payment. I then made a payment for the same amount with a different checking account. But now because of the stop payment made, they have flagged my account. Every time I make a payment online now they place a float hold for 10 days! I spend $3500 a month for my fleet to gas up with Costco. I have discussed this with Citi and they said they can't do anything about it.

So I had my credit card for almost 2 years. For the first payment I didn't get a bill so the payment was late but, that didn't matter to them, they still gave me the penalty interest rate. Ok, so then I get a due date and I have been making my payments every month on the due date. Come to find out, it takes a couple days for them to receive the payment even though the payment was made on their website. So I've been paying a late fee for at least two months that I know of. Granted maybe I should have paid closer attention, they say it's in the fine print, but that's something that should be flashing in bold letters. When I talked to them about it, there was no apology, no sympathy, no empathy, nothing. I am finally done with them and I will never give them anymore of my money.

A tale of two thieves. I purchased a book online from Stansberry Research using my Costco Citi card. The purchase was $20.00 but $120.00 was charged to my card. I called the vendor first and they refused to refund. I called Citi and they said they would research. A month later I was informed that they wouldn't do anything about the charge. I called again and complained to no avail so I cancelled my card. A letter they had previously sent stated I would receive my Costco rebate in February but it never arrived. It was over $300. I tried to call Citi to rectify the situation but to talk to a rep they required me to punch my old account number into the phone. In doing so an automated voice asked if I wanted to reopen the account, I responded no and the recording in a pleasant female voice responded have a nice day and hung up!

This is the only credit card I've ever had so many problems. I paid off my credit debt, in about a month I received a notice in the mail saying one of my accounts was behind. It was the account I paid off. So I paid the balance. Then next month same thing, I paid the balance and tried to close. My call got disconnected from the "account specialist." I put it off until the next week. I called on my account, turns out I now owe.50 cents. I tried to pay it off but the automated phone pay system said it was unable, so I asked to close the account.

I've had problems with CitiCard right off the bat. I'm slapping myself now for not leaving them earlier. They really don't care about their customers. My latest complaint which caused me to close my account was this $25 late they put on my account because they didn't process my payment until the next day. I was shocked at the treatment I received both times I tried calling in. Please Do Not Ever Get/Use any Citibank Card. This company has a bad rating for a very good reason. They will never see you as a person, only a number! My account is now closed and will never be opened Ever!

I received the Citi Double Cash card and use it every month. The limit is set only to $1000 although on all my other cards it is much higher. I asked for a limit increase and was denied. Crazy. I have a good credit rating so I don't know what makes them think they are so special. Anyway, I paid for some items on the card and after a couple of weeks I want to pay the whole balance off but the Android app wouldn't let me saying I couldn't schedule more than one payment with an unverified account.

I applied for a Citibank Double rewards credit card on February 22, 2017. I waited until March 15, 2017 and still had not received my card. When I called to find out what was taking so long for the card to come while talking to the representative I decided to cancel the card altogether. I was transferred to another department and I was told that account would be cancelled. About an hour later I received an email stating that my old card was cancelled and that a new card was being sent out. I immediately called back and kept getting transferred. After speaking to three more people I was assured that the account will be closed and I will not receive a card. I have yet to get another email to confirm that the account is cancelled and I expect that they will one anyway. The customer service is the worst, no one listens to what you're saying and they keep trying to insist on giving you a card when you don't want it.

They have lost my payment for $6500 and asking me to prove the payment, it was an electronic payment and I have to go get a print from my bank, provide everything they need. Their electronic system is a mess and they make customers pay for it. On top of it the customer service is horrible too, I had to call 2 times. Was put on hold for a long time. I used American Express for years and never seen anything like this. Costco made a big mistake to switch to these morons. Do not use CitiCard.

I have had a CitiCard for many, many, many years... I called customer service to dispute a finance charge. The female that answered the call was unprofessional and seemed a bit "clueless". She stated that she would take care of the finance charge. She then explained a program with "0" finance charge for any charges for the next 3 months and if I would be interested. I said yes and she said that she would activate this on my card. A month later, after charging many things onto the card expecting to have a few months to pay off I received a bill without any of the zero finance charge noted on the statement. I called and was told that it WAS NEVER activated and they were unable to offer the zero finance charge any longer. WHAT?? I can't believe that they would fool customers into believing that they would have an offer. This is fraud to me...

CitiCard opened a credit card with my name and sent it to me and I cut it up. Now a year later they are sending me past due bills. I called and they said that I was a customer of Costco so when they took over the card processing from American Express they signed me up. I never activated it and was not a Costco or American Express card holder when they took over as I had closed both accounts month before. I have called but the only thing that happens is that I get a past due amount with finance charges. They did this fraudulently as they should have taken care of it the first time I called them. Now my great credit history will show that I do not pay on time. I am sure many other people just pay it but this should be against the law and they should be held responsible. My next visit will be to an attorney.

Frustrating, time wasting to speak with a customer service. Very stupid fraud detection system: too sensitive, even though I was calling a fraud department agent and he assured me everything should be fine, the system declined me again and again. CITI also got a lot of customer service agents, half of them either don't care that much about customer or they care but they don't know the simplest things they need to know. I lost several hours of my time and more than 100 bucks just because 2 representatives who were supposed to be helpful, didn't do their job correctly.

I recently began using Citibank Credit Cards. Don't expect that because you paid a fee for this service, paid all of your statements prior to the Due Date totally a 6 digit number, that Citibank will honor their contract. Citibank cut my use of the card 10 days prior to my Due Date which was the date that I paid the full amount due. Below is an exact copy of the response I received: "A payment hold was placed on your last payment until the funds were validated by your bank. This process was created to protect Citibank against potential losses. The payment hold process means that we will withhold an equal amount of available credit until the payment has cleared the validation process. We will release the hold once the payment has validated." No wonder why they have accumulated over 1,000 Internet complaints. I am a Charter Member of American Express. They earned my respect and loyalty. I will only be using Citibank for their Big Box Vendors.

I CANNOT believe they lowered my limit without notice. I HAVE NEVER PAID NOT ONCE single payment late EVER since I have opened my account with them. So because I requested a credit increase and got denied they took it upon themselves to lower my limit. This is BS. What is the point of being a good paying customer if they are going to punish you for that??? I HAVE NEVER EVER EVEN MISSED MAKING A PAYMENT! I either pay early or when due and more than required or the amount I use! I will never refer NO one to Citibank again. Thats for sure!

I have had this Diamond Preferred credit card for years and they are the absolute best at giving the best service and lowering your interest rate based on your credit worthiness and years of doing business with them. I previously asked for an interest rate decreases due to these factors and though I had to go through a few hoops and get to the right person they did it for me immediately. I have used this card for numerous balance transfers which have helped me out and go as smoothly as can be. I am so glad I have this card and I would highly recommend it to anyone.

Paid off the balance due. In two payments. The second payment was made on the due date but the agent (Rebecca) claimed that a second payment was an inconvenience for her as she would have to do more work to change something on the first. "If I can process the second payment tomorrow, I will waive all interest charges, as you are calling in on the due date." Needless to say, I got hit with interest charges! Don't do business with this company!!! Now they are telling me that the month after you pay the balance in full, you are still charged full interest for one more month. A waste of time and money.

If I could give the customer service departments no stars, I definitely would. I am the executor of my father's account and noticed that there were fraudulent charges made to his credit card account the day before he passed. I followed up with the customer service and literally talked to about 10 different people and continued around and around in a circle. They were unhelpful, extremely rude and unsympathetic to my situation, and apparently do not know the meaning of communication between departments. So in my mind, this company is completely fine with allowing fraudulent activity to go on with no repercussions.

The worst service I met. Closed my account, and contacted G. Stevens Vice President. Citibank, N.A., paid my last payment, she told me the balance is 0. But just in another months, I got a notification, I owned another $70. This is cheating business.

I have been a long time credit card holder of Citibank with very high credit limits, but not high balances. Recently noticed that they decreased my credit limits to approximately $300 above the credit balance, which was devastating to my utilization. I have a fico score that is in the high 700s and have always paid my debts. I have called them 3 days to only get different reasons from their customer service and credit department each time. I was told that I had delinquent accounts which I knew that I did not, high balances, then delinquent accounts.

Utilized this new card and ended up getting a fraud alert. Called the company was able to give him all information that they needed. However they wanted to call me back On a registered phone. First time called my husband. Then two weeks later fraud Alert happened again and not sure who they called but it was no phone registered to my family. They would not tell me which number they called. It's very frustrating. I have never experienced this with any other card that I have obtained.

Mid-2016 Costco switched from AMEX to Citibank as their credit card service. Without my knowledge Citi opened a phantom account in my name, along with my valid Costco account (two accounts opened). New year, Costco did an automatic charge for membership renewal to the phantom Citi cc. This auto charge was made to the phantom account which didn't exist as far as I know. In February I started getting automated calls from Citi saying to call Citi customer service or my Costco account would be closed.

So I wrote a letter/emails to several Managements/CEO shortly after Customer relations gave me the boot telling me they have the RIGHTS to close my account. I told them I am a excellent customer and a Branch Manager FAILED to Identify over the phone and read out loud my addresses and account number... I am sure he was not alone at that time (Breach in Security)... overall it's POOR service and its look like she blacklisted me. Every agent I spoke to thereafter stood back with caution helping me with any complaints. I even met a Regional Manager at a hotels while they were having a meeting and she PROMISED to look into my complaint. A few week later called her office twice (NO Response) --- BLACKLISTED.

I was approved for a Citi AAdvantage business card on Dec. 26. It is now Feb 6 and I have still not received my card. I have made four phone calls and been promised three times I would receive the card via FedEx the next day. Each time they send it to the wrong address. On the last call, the representative promised to call me back the next day to confirm I received the card. I didn't receive it and she never called. You can't make this up. How they landed the Costco account is beyond me - Citi has the worst reputation in the banking industry - deservedly so.

These people are HORRIBLE!!! Like drug dealers, they entice you with that 0% knowing that most of the poor people who go for it will not be able to pay it off when the period ends. Then they get you for 30%!!! They use every sneaky way possible to void your 0% too, like changing the payment amount so that when I set up auto pay, the amount is off by a dollar or two and the whole 0% thing is gone. Why doesn't the Fed go after them for this. This is worse than the predatory lending scandal that went on in 2006.

Called Citibank last week to inquire about a temporary hardship due to an immediate family member passing away and we were out of work for 21 days with 7 of those days without pay. I have never, ever had anyone to be so rude. They refused to speak with me. Said they would have to speak with my spouse and my request would probably be refused even if I could issue a hardship request. I was blatantly told by the CSR, Giermo, there was nothing he could do and if I couldn't pay my bills why did I make them. I was appalled at his attitude. I voiced my opinion to him and he again said..."nothing I can do." Not a gratitude of "sorry for your loss", nothing. I am going to pay off this stupid card and I will never ever be caught using this card again or anything with Citibank. It's a shame Home Depot is part of Citibank. Shame on you, Citibank.

I received an offer to apply to a Citi Hilton cards last year with promotional offer to receive 75,000 Hilton Honors points after spending $2000 within next 90 days. After receiving approval, I made the required purchase but never received the points. Citi claimed they have a 24 months exclusion against existing cardholder and since I am an existing Citi cardholder, I do not qualify. I contacted customer service and they point me to the current online terms and conditions. They were not able to provide the original terms and conditions that I was subjected to at the time I submitted the application. If I knew about the exclusion I would not have apply for the card with Citi. Citi should post their exclusions more prominently to stop baiting customer to apply for their products. I no longer wish to be a Citi customer after this bait and switch experience.

I applied online about a month ago for a Citibank account. Service was good until Wednesday Jan, 18th when I couldn't use my card. It was because I hadn't submitted a copy of my ID. Easy fix. Nope when I called back the next morning I found out my account had a hold on it and it was getting closed because I missed the deadline on the 15th. The lady to tell me this was rude and made it seem like it was my fault. She said I should have gotten an email about or a letter. I never got any. She lied about the email because someone else in her department said they just send the letter and no notice letting you know you need to send a copy of your ID. They claim they sent a letter a couple days after I applied.

Here's a timeline of events what happened all because of Citi Best Buy Credit Card Services did not do. We have been making monthly payments on a regular basis to pay off our debt, since 2003, when my job was abolished unexpectedly. Since then we have asked them to refinance the interest rate. We were met with resistance, so we decided to try to pay off it over time. My wife made a payment at the end of October from one of our bank accounts that was due around November 4th. We received a email from Best Buy Credit Card Services, that the bank had declined the payment because we closed the bank account at First National Bank. She made a payment right away online while we were talking with Credit Card Department on November 12th in the amount of $90.00.

Was left stranded in another city due to the incompetence of these people shutting my card down saying I needed authorization to use my card. Mind you I have had my card 2 months and have made several big purchases. Then in order for them to verify it was me not only did I provide my information and security passcodes they needed to call a family member with the same last name!!! WTF. My father and that side of the family are deceased. They would not call my wife because she does not have the same last name. She has not changed it over yet due to the work she does and the hassle that will come with it.

I want to apply for a Citibank visa for a balance transfer. I went through the call center and they created an account before they would give me the credit limit. I wanted 14,000 but approved me for only 9,000 and I have a credit score in the 790-800 area. I told them I didn't want the card. To my utter frustration they said it was too late. I had the card and I couldn't cancel it until I got the card in 7-10 day. I tried the supervisor, no luck. They then transferred me to the Citibank customer service, as the call center doesn't work for Citibank. The bank itself would cancel the application/card.

Several years ago new credit card laws went into effect. I was sent a letter from Citibank saying that they were increasing APR's across the board for all their low interest cards, even if you paid on time and had a perfect payment history. They gave you the option of closing the account and keeping it at the same low rate which for my accounts were 10% and 6%. Recently I called to make a payment and asked what my Apr was showing to make sure they weren't overcharging me. They both went up both 2%. Not much, however it was part of the agreement that they would stay fixed for the entirety of the pay plan. I asked to speak to a supervisor and she says, "I show your account was closed for delinquency". They act like I don't know what I am talking about. Has anyone else gone through this?

My forward card was the oldest of my credit card accounts. Had it with Citi for 7 years. A while ago they removed the 5% cashback on books/movies/restaurants, so I stopped using the card and spent most of the money on other cards. Then they just closed my card without any prior warning/communication. I am really pissed that they just don't care about the customers at all. My impression is the people at Citibank are just very ignorant and incompetent. You are better off having business with other banks.

I applied for a Citi credit card. With my credit scores I knew I would have been approved. However I got a decline letter in the mail. It stated that I had a delinquent remark on my credit report and this is why they declined my request. However I called them back and told them that there must have been an error. Customer service told me that I needed to contact the credit company.

I have had CitiCard Mastercard for years. Never a problem with payments being credited properly. Love the reward points. Recently my card number was "lifted" and fraudulent purchases were made. Citibank caught the fraud immediately, notified me and verified the fraud, and overnighted me new cards. Additionally I was not going to be held liable for the fraudulent purchases. This all occurred in less than 24 hours. Who could ask for more?

I changed some information on my account after paying it in full on both Citibank cards in June 2016. Some time went by without any bills... no big deal didn't owe them anything. I get a call in December stating that I am overdue to the tune of 247.53 of which 136 was in late fees. Up to this point we had always paid before the due date and paid off on a regular basis. With an 850 credit rating you think they would cut us some slack. Anyway I thought the call may be scam so I refuse to deal with the caller and call the number on the back of the card. Yep... they had me as owing the money.

The first credits card I ever got was Citi MasterCard 1993. Last month I decided to close my account with them. I called and close my account. My balance of $230 was also paid on 12/06. Today I get an email saying I have not paid them and my balance is $255.38. Which $25 late fee and $3.38 interest. After calling them and being on hold for a long time waiting for account manager and supervisors. They have no record of my payment. Calling my bank finding out that Citibank have refunded my payment at 12/12.

I spoke today to one of the customer representatives of Citi credit card. They were so rude and put calls on hold for unnecessary reason and argue a lot. The name of customer representative was Kaur. I believe she should be immediately fired. She was so arrogant, it looked like that she was having a party and I disturbed her. So rude and so arrogant, I am thinking of giving gifts up Citi credit card now.

2 years ago I got a Citi Card Diamond Preferred account. When I open it the customer service representative told me that I would earn point with my purchases and I can use those point to be redeem with gift cards or merchandise. I have almost 4,000 points in which the only way I can use them is by buying even more stuff and just get a minimal discount as a form of a point. For example if I want to buy a hand lotion of $45 I only get a $5 dollar discount and I have to charge the rest to my account. What's the point then of collecting points if you can't use them all on the items you need. Plus I spoke with customer service and they don't allow you to convert those points into cash! In other words you are worse to buy more things with them in order to use your points. What a scam! They shouldn't advertise their card as a points/reward program. They should advertise as you only get discounts program.

Opened double cash card after buying a new house to pay for new kitchen and bath and have time to pay it off. We put it under my fiance's name and linked it to four accounts and 2 credit cards with same phone number he's had for 10 years. Got one letter to our house! Saying it's coming in a few days and another saying there's an issue with the card. We called citicards, they said no issue, disregard letter. So we get card, use it, nothing gets approved. So we call, they need to text him to verify him. But they can't because they don't have his number on file, even though it's the same number under his social security number used on all his other accounts! Two citicards reps says "nothing we can do. Bye." So we go back to the branch.

Citibank insists on charging a late fee (which is really an early fee) because I paid my monthly bill too promptly. So they posted two payments in October and none in November. In trying to rectify the problem they have no system in place to correct their error and insist it is my problem for paying my bill too promptly!

So it is Christmas time and the credit card crooks are out! I not only understand the need for a fraud department but appreciate it however Citi has one of the worst I can think of. Things like "did you make purchase on October 25th" but it is now December 4th, why are they asking me this now? My wife and I both have a card but a demand for a guaranteed answer is immediate. I don't know about you but I don't know where I was for sure 6 weeks ago.

I applied for a citi double rewards card, got approved and they said they mailed it out on Nov. 2nd. I waiting till the 20th. Nothing came in... so after thanksgiving I checked and nothing. I called them asking to resend. They were happy to, but needed to send my phone a text. Gave them my cell number. Then they said they couldn't use my number because their 3rd party thing said it wasn't registered to my name??? I've had this phone number for 5 years! (its straight talk, a tracfone company) They said they'll put my account on hold and review my account. Then call me back.

My credit card application no. ** and applied for a Citi Reward card on 18-11-2016. After this I got an SMS with above said application no. Also got a call from CC to submit the necessary documents... But so far nobody called and no response... am totally deviated from CITI bank people. Please look into this and do the needful...

My fiancé and I have multiple credit cards accounts with CITI for years now. We recently refinanced a home and paid all of credit cards off in full. My fiancé called Citi and asked the associate should he make the payment now or what till we received the check and send the balance in full. He was advised since he was paying it in full to wait and send it when received. The associate said he was noting the account. No big deal. We now have a 30 day late showing on both our credit reports. When we called and spoke to a supervisor we were told to fax a written dispute and the call would pulled and it would be removed if that was what we were told. This dispute would take 7 days, so of course we called to check on it and he was told it was removed.

My THANK YOU PREMIER visa account got cancelled without any notice. I have always paid my bill on time, never late. Today when I try to make purchase online, got denied. I called up Citibank, a lady told me to write to ERU for the answer as she could not tell me the answer. She said the only way for me to find out the reason why my credit card account was cancelled is to write to ERU in Sioux Falls, SD. I have been with Citibank for over ten years, and the reason to have this premier card is that I can use my point to transfer to the Eva airline. I have to pay $99 for annual fee for this card. Anyone has similar experience like me? Now I want to close all my accounts with Citibank. I really do not like the way they treat their customers. Very bad experience.

I took out a Citi AAdvantage card (due to a popup promo while I was booking an American Airlines flight). The offer said I would get 40k free miles (enough for a free ticket) after spending X dollars in the next 90 days, and said I would get 2 free Admiral Club passes. After receiving the credit card (Mastercard), with a limit of $19,500 (I have good credit), I immediately set up automatic payments online. However, in classic CitiBank form, the first payment did not come out by automatic payment, even though I got a popup/message after I set up autopay that my November 2016 payment would be paid by autopay. Of course then, they charged me interest and late fees. I called immediately and spoke to a not-nice rep lady, but I made the payment over the phone on 11/14/16.

ANNOYED!... I have been a customer with this credit card for 11 years and have ALWAYS paid my card with most of the minimum payment. And one time the system void the payment, (maybe the internet signal, then inadvertently missed one (1) payment last month and they charged me a $25 late fee. I even looked at my records and had "checked off" that I paid it. I called and talked to a supervisor and they would not waive the fee. $25. After paying on time for 11 years. Citibank is the most horrible credit card about dealing with customer. I am waiting for a manager to call me back - this is ridiculous! I will be ending my contract and cancelled the card if they don't fix it. They are CROOKS... Don't open an account!! They are so many with better sense the keeping our business.

I have been a Citibank customer for over 50 years, first in NYC and now in Florida. For years I have been using the 3 check per page check book with "The Secretary" register. Because I pay most of my bills using Direct Access I usually run out of room on my register before I finish the checks... for which, by the way I paid an exorbitant amount of money. Last time I requested an additional register I received it free of charge. This time I was told it would cost $13. I agreed, because I didn't think I had a choice, and received it in a couple of days. Much to my shock my checking account was debited $22.72 because they sent it priority mail. I did not request this nor was it necessary.

CitiCards are illegal, corrupt banking bullies. They illegally took unauthorized payments amounting to $5500 out of my account within 10 days. Then closed my account. They are reporting me to the credit bureau and impacting my credit score and what's more the funds were not yet applied to my balance and don't reflect as they hold them for 10 days as they consider them suspicious.

I have over the last two weeks attempted to set up my Citibank credit card online. I was having trouble with the security questions and attempted to call Citibank for help but have not been able to get any guidance from them. In the end I decided to close the account and pay off the balance on the credit card but again I am unable to get help from them.

I just cancelled my card. Two weeks ago, I got a fraud alert. It took four calls and an interminable wait to find get through. The customer service rep had difficulty comprehending the situation. I was taken aback. In the two weeks since, I had several reasons to call customer service again. Mostly it was about the delayed arrival of my replacement card. But there was another, lesser issue as well. Again, each representative had difficulty comprehending simple questions. At one point, I spoke to a supervisor. She, at least, could carry a conversation. Though she was apologetic, she could offer no solution. She was low level and powerless.

I was issued a Citibank travel card in Korea to purchase a plane ticket home for my military leave. I went to purchase my ticket and the card was declined so I had to go back to my base and speak to my superior who called Citibank and Citibank claimed the problem was fixed so I go back to the airport only AGAIN to have my card declined so the problem was NOT fixed as Citibank claimed.

I have had multiple Citi bank credit card accounts, they have played this game before. I had a high balance on this credit card. I always paid on time. I just came into some funds, I paid off more than half my balance in one shot, thinking I'm going to improve my credit score, and pay off some of my debt. I thought I was doing something that made sense. Citi after receiving my funds, at the exact time of being paid, lowered my credit limit by that exact amount, making me maxed out on that card and ruining my credit at the same time. I don't understand how it's legal for them to do this. I told them I paid off a number of my cards, but it won't show up on the report until it's reported. They didn't care, they sound like robots, kept saying they made this decision after looking at my credit report which wasn't updated, crazy!! I want to sue them, can I? They are messing w/ my life now, can't let them get away with this practice.

2009-2010 reported Fraud issue related to CC I had not used in yrs. Today same problem. Spoke to many Citibank Fraud Reps and was passed from one person on to another. Emily said she would call back and did not, Hilary, reception with phone poor. Rather than return the call she insisted I call her. Sherida never heard of Hilary although I provided the employee # as stated to me on the phone. 12 hours later and there is no resolution. Complaints about Citi banks Fraud Dept. are abundant on FB. Nothing seems to have changed for the better. I never write letters or tweet about weak companies however this has gone on too far. My credit is affected. Your guidance and follow up is appreciated.

Citi misspelled my name on a credit card. Then misspelled my email address. I live abroad. I checked the box that I prefer correspondence via email. They have been emailing me at the wrong address, a mistake made by Citi. I now have 400+$ in late charges that I've never seen, because I've never received a statement. United Collections Bureau, their 3rd party collection agency of choice, harasses my 88-year-old grandfather. They receive no emails. They send no emails. They receive faxes, and will not make outgoing international calls. These are the worst kinds of human beings. Citi outsources all calls to call centers in 3rd world countries and makes it impossible to get clarification or a response, even after going through the faxing of details. I am cancelling my card, and will NEVER do business with these ** again.

CitiCard Diamond Preferred has recently withdraw 3 payments out of my bank account with only one with my authorization. They apologized for the "hiccup" in the system and told me this is not their fault. When I asked for reimbursement of overdraft fee they told me that my bank has to fax them a letter stating that the overdraft fee is real. Just to get to this point, I had to spend over an hour on the phone with multiple agents on multiple days. That is NOT a good customer service and I don't feel comfortable about their online banking system. Would not recommend getting this card.

My husband and I signed up for a Citi Visa card through Costco, and, long story short, I got my card correctly but my husband has been sent four different cards that did not have the correct Costco account number on it. I've even had Costco call for me twice, with me standing there to try to get the problem resolved, but either Citi CANNOT or WILL NOT send his card correctly. We really want to keep this card, but it looks like we're going to have to close it because they are unable to issue my husband's card correctly. Save yourself a headache. Don't do business with CitiCard.

HORRIBLE... I have been a customer with this credit card since 2002 (it is now 2016) and have ALWAYS paid off my card in full. I inadvertently missed one (!!!) payment last month for $41.98 and they charged me a $25 late fee. I even looked at my records and had "checked off" that I paid it (my mistake, granted). I called and talked to a supervisor and they would not waive the fee. $25 for a $41 bill? After paying on time for 14 years? Insane. I ended my contract and cancelled the card. Their loss, well, maybe not, since I always paid it off. They are CROOKS... *fuming*

CitiCard action is a robber! Its policy is terrible! E.g. "Citibank maintains the right to close your account at any time for any reason. We may do this WITHOUT prior notice to you." The even worse is "If your card account is closed, you will NO LONGER be able to earn or REDEEM your dividend dollars." I have been had citicard holder more than 20 years with excellent credit score. Suddenly they closed my account like their policy stated "at any time for any reason" and "WITHOUT prior notice", then they wiped out my several hundred dollars dividend money. When I asked them what's reason to close my account without notice, and why wiped out my dividend money they just answered this is their policy as above. Their action like typical robber!

I am 58 years old, have excellent credit and have owned a credit card since the late 1970's. I have never had a bad experience with a credit card company that approached the horrendous customer service that I experienced with this company. They treated my like an insect from the beginning or what they called a potential fraudulent occurrence (I bought a part from the local OEM car dealer!). They froze the card as they somehow determined buying a part from a factory car dealer was so unusual that it must be fraud. Then they consistently refused to believe who I was even though I provided the answer to the "secret security question", my SS number, my driver's license, etc.

I am major fed up with this company. I received my statement in the mail and it stated right on the front page that "YOUR ACCOUNT IS 1 MONTH PAST DUE". Highly unlikely with a 845 credit score. I called them and I was told that the agents cannot see my statement - only my charges and credits. I want them to address the "Your account is 1 month past due" verbiage on the front page of my statement. They cannot.

My statement due date was last Sept. 29, 2016. I made a payment last Sept. 18, 2016 so as not to pay the charges. My bill was 13,466.87 & I made a payment only @ 13100 because I forgot the exact amount. Upon receiving the next statement they charge me with full interest charges as if I didn't make a payment of 13100. I understand if they charge me with interest of my remaining unbilled balance of 366.87 + the charges of 3.5%. But charging me with full amount of 13466.87 interest is such a greedy company. I am very disappointed the moment I join CITIBANK!!! VERY DISAPPOINTING.

I am a college-educated young consumer, looking to make her way in the world. I signed on to this card to help with my credit score and acquire a laptop at the same time. Into my college education, my father was given 6-months to live and put on disability. I managed to graduate on-time (barely) but this backtrack took most if not all of my savings. I wrote a paid in full balance for the entire owed amount on day 26 of the grace period after the promotional interest-free period, after calling to put my account balance in dispute, carefully detailing out the reasons why I will be unable to pay the full amount to due financial distress brought on by factors outside of my control. They cashed the check without calling/writing/emailing/pigeon-mailing me anything to state that the payment in full check did not actually count as paid in full. I continue on with my life, thinking I have that dark cloud over my head taken care of.

I have been a Citibank customer since college and have of course made some silly mistakes which affected my credit during that time. My initial credit line was $500 and in all this time with incremental changes in my income CB increased my credit limit to a total of $2500. Within the last three years my income have more than quadrupled and so recently I requested if I was eligible for an increase. They reviewed my account and then determined they would increase it by $1100. When I asked why so little they informed me that I would have to have my credit history pulled to determine if I could get more. Frustrated I closed the account but then was advised to reopen it as this was counterproductive.

Citi card from Costco was approved along with payment. A week later email stated it was not approved due to what they perceived as a wrong number and added late charge which was due to their incompetence. They waited until the late charge would apply. Called Citi and was informed there was no money in my bank debit account. Yes there was. Then gave me 3 different balances and admitted there was money in my account. Gee, how did they figure this out so belatedly? They could not explain 3 balances showing up and they got an accountant on it who added everything together and tacked on the late fee to boot.

I have been a Citi Premium Credit Card customer for 13 years, and have both a personal card as well as a small business card. In July, I noticed 2 fraudulent charges that were both from Ticketron in San Antonio, Tx (I live in CT) on my personal card, and called Citi and reported them immediately. The agent put me on hold, and then returned and told me that she checked into it, and that the charges would be credited back to my account, and that there was no need to cancel my card. Then, on Sept. 6th, I received a letter from Citi stating that they had closed their investigation and reversed their credit due to the merchant refusing to refund the money. I signed Citi's paperwork stating that I, nor anyone authorized by me, made these charges. My account had clearly been hacked, and Citi should have done their job and not have allowed an out-of-state charge to go through, without my permission, as other more reputable banks do.

While other banks take one working day for collecting the documents CitiBank 10 days with the customer following up for 5 times and reminding them to collect the documents. This is the status for priority requests. The customer care keeps repeating about their handicaps of not able to help the customer weeks after weeks without adequate knowledge on the actual status.

I requested a refund for the $25 late fee assessed on my account for a $52 purchase. My daughter made the purchase (she is on my account) and forgot to tell me. I didn't realize I had a balance due until the following month. I did not purposely not pay. And paid it immediately. When I requested a refund and explained what happened - I was DENIED - with no explanation except that a late fee credit is only given if it was a bank error. What about valued customer appreciation. I was never late, and never requested a refund. Will not use Citi card ever again. There are plenty of other credit card companies who appreciate my business.

I have been on the phone almost an hour trying to get my account closed. They finally got it closed. One person told me 2-3 days to get a confirmation email. The other told me 24-48 hours. Look at the reviews and let them determine if this is a company you want to do business with?

My wife received her statement from her AA CITI card with a $6.57 late charge and $5.85 interest plus her $750 worth of charges from 2 weeks prior. She called to ask what was the late charge? She was put on hold for 20 minutes while agent looked into it. The "service" rep, Kenyette from Maryland, came back on and told her, "It's a valid charge and we cannot remove it". After being asked "What is a valid charge?" by my wife, Kenyette again went on a call hiatus for 20 minutes and came back with "The parking charge for $5.00". My wife asked "Where is the $5.00 charge located on my bill?". She was told it was on last month's bill.

I was a user of this card since 2003 and was not able to use their reward system for any flights. The flights were pretty much the same price as Delta maybe even more. I had used this card to pay my bill with Dish for 5 years. I get a new card as the old one had expired and the first few payments go through fine and out of nowhere I start having trouble. So, I call CitiCard to get things squared away and they tell me they need my cell phone in order to verify some stuff. I just don't like giving out my cell phone and ask for another way, like an email. Next day I try using a landline and after 5 different phone calls and CSR reps nothing gets completed or confirmed. Can't wait to get a new credit card as that was the last straw.

I received my first statement from Citi on July 20, 2016. Two days later, I received a "delinquent account" phone call from an off-shore location. I phoned the 855 number for Citi and was told that I should have paid my "old" AMEX balance before the conversion (or before I received my final statement from AMEX). Now, three months later, I received a third statement from Citi that still has interest charges based on that one incident. I have made four calls to Citi, each time they state that the interest charges will be "waived" and there is either a zero or credit balance.

I sent two checks on August 15, 2016 for the full balance to Citi Cards - Costco PO BOX 9001016 Louisville, KY 40290-1016, Macy's PO BOX 78008 PHOENIX, AZ 85062-8008. Unfortunately, my checks were handled without care. It seems to me that they were either lost, or placed in a drawer, or posted to another account. Whatever the reason, to today's date - 09/20/2016 - my money still nowhere to be found.

On 9/8/2016 I sent a Cashier's Check to CitiCard at the Express Address on their statement. I called them on 9/16/2016 because it had not been posted to my account, and they said they had not received the check. I checked with the post office and bank on 9/19/2016. The check had not been cashed. I immediately called Citicard and they finally admitted that they received the check on 9/11/2016, but it was pending. IT WAS A CASHIER'S CHECK FOR OVER $1,000! It still has not been posted to my account. They cannot explain "Why?" I assume they want to collect interest!!! The payment is not due until 10/4/2016. I spoke to a Citicard Manager and he couldn't explain it. Said he would get back to me!

All of sudden, I can't access my account. Called the Citi, one guy answered the phone after over 30 minutes on hold, then he told me that his system has problem and has to transfer me to an account specialist. On hold again forever.

Last month this miserable and irresponsible bank cancelled my credit card because it had not been used for a while and refuses to pay me the points that I had earned before they cancelled the card. Their logic is that if a card has not being used for a while, they can cancel it and the points earned with that card will no longer be valid! I have never had a card cancelled because it was not used for a year or two. Now, the reason they did this was to retaliate against me for reporting them to the government consumer bureau. Remember, this is the bank that was rescued with taxpayers money when they were at the edge bankruptcy, and now they suck to that taxpayer any chance they get!

I paid my account balance off in mid Aug per the amount on my most recent statement. On 9/13, I received a statement in the amount of $6.95. I called and spoke to a rep who explained it was residual interest. I asked to have it waived as I am a long time customer and in good standing. My call was taken over by Kelly an Account Manager out of the Kansas City, MO office who stated it's a valid charge and cannot be waived. I explained this actually happened on my other Citi card and it was waived. She argued that it's valid and there is nothing they can do about it. I closed my account on the spot. I will never open another Citi card who exemplified what truly matters to them, money, even an amount as little as $6.95 is more important than customer retention.

I opened an AAdvantage credit card account issued by citi recently. I did not received my first bill. The $28.10 balance past due. In the second bill I got $25 late fee plus $.50 interest. I called citi customer service at 1-888-766-2484 on 9/10/2016 to ask for one time courtesy to waive the late fee. The woman citi credit card customer service representative told me that I am ineligible for waiving the late fee and refused to tell me why I am ineligible and what kind of people are eligible for waiving the late fee. Her attitude was so bad. I am very disappointed in the quality of the customer service provided by citi credit card. I had to cancel my card to avoid future disappointment.

Saturday September 3, my wife called Citi to inquire what the due date on the bill was, as we had not received it yet. She was put on hold, but gave up waiting after some time had passed. Shortly thereafter, my wife received a phone call from Citi who said our account showed suspicious activity and asked to speak to me. I was unavailable, so the caller gave my wife a reference number and asked her to have me call them back as soon as possible.

I received a Citi bank Visa Costco card to replace my Costco American Express. I tried reactivating the card and contacted customer service several times and every time I manage to get through they have an excuse why the card was deactivated. The last excuse was them having the wrong address despite me verifying that address countless times. Today August 25th I contacted Citi Bank Visa again and I was transferred several times from one agent to another and each time them asking me the same questions. Finally after spending over 30 minutes with an account specialist the guy hanged up on me. I'm so fed-up with this lousy customer service and horrible bank.

I noticed that the post date and transaction dates for all credit card purchases were the same. The transaction date is the date the card is used and the post date should be the date the credit card user's account is charged. I notified both Costco and CitiCard to have the post date changed. They told me that they always make the post date and the transaction date the same. By keeping the post date the same as the transaction date, consumers can be taken advantage of because pending charges which are not legitimate normally take 30 days to drop from your account. Typically you are alerted about these charges because if your account is charge, the post date is the date you are charged, they come to the top of your electronic statement and you can then take action.

My recent experience with CitiCard has led me to write this review. CitiCard has left me with a bad taste in my mouth and may not use them for future travel if I don’t cancel the card before then. Thought the credit card company would look after me given the issue was based on wrong information provided by their staff. I called to confirm baggage check in allowance when flying to Aruba. I was told by Citi account team that “baggage for the cardholder and their companions up to 4 checked baggage would be free”. However this was false. At the AA counter, I had to pay for each bags checked. I thought I could get this cleared up and that CitiCard would reimburse me… They failed! They would not reimburse me.

I have several credit cards that I use. I have a high credit score and pay my credit bills 100% each month. I do not carry any debt. I have had a CitiCard for several years. I had not been using the card regularly as I was using Credit Cards with a cash back option. I decided to get out the card and use it for an upcoming trip. I tried to log into my online account and I was not able to log into my account. I called the customer call center and was told my CitiCard had been closed. I never received notice and the dates on the card was still active. If I had taken the card to use on my trip only to find out en route that the card had been cancelled I would have been pretty upset.

I used to think having a photo on my credit card was the best thing to avoid fraud. How I was mistaken. I had automatic billing but didn't check the statement until a few days later. I noticed 6 unauthorized charges to Starbucks that had been paid. Then I noticed this month another 8 more charges to Starbucks for gift cards. Why their fraud team wasn't alerted baffles me. I tried calling right away but had to hold 30 minutes to get a person. I had them cancel my card and I cancel my auto payments. I got disconnected and had to call again - waiting 20 minutes to try to get someone to complete this conversation. While holding, I sent an email to their secure messaging - figuring that would be faster.

I have never experienced fraud on my credit card account with AMEX for more than fifteen years. Within weeks of receiving my Costco Citi Visa, I have had two fraud charges on my account and weeks after my Amex card had been cancelled, there was one attempt on that card too. Is anyone else experiencing this problem? Does Citi have a problem?

I have been a long time member of Costco. For years I have used their Costco American Express Card. Recently, I was forced to switch to a Citi Visa Card through Costco. One of the perks, I thought, was the fact all their printed paperwork and information online stated as a new Citi card holder I would have .0% APR for seven months. After receiving a $65.00 interest payment I spoke to Citi who advised it did not pertain to members who previously held American Express Cards. I paid the interest and closed the card due to misleading information from Citi. Only took one month for me to see what Citi is made of. Both Citi and Costco have lost a customer.

I received an e-mail informing me that my payment (which was substantial) was late on 8/12/16. I called immediately to find out what was going on and was told I had not made a payment. I use my bank's bill pay feature and looked up the cancelled check immediately and printed out a copy. I gave Citibank all the reference numbers on the transaction and the cancelled check number. I talked to 8 different CITI customer service representatives over the last 3 days and was told, "a temporary credit will be issued while we look into this issue and someone will call you back within 24 hours." 24 hours passed nothing. Checked my account for credit was issued and still showed late.

2 weeks ago (August 3, 2016 12:20pm) I deposited money into an ATM located IN A CITI BANK BUILDING (1701 E Lake Ave, Glenview, IL 60025) to pay the due on my card and the ATM took my money and did not print any proof that I had deposited 137 DOLLARS!!! Immediately after this occurred I went up to a clerk to inform her of what happened and she rudely said "Call the card. We cannot do anything about it." It is shocking to see that no one in the bank could help me with an ATM located INSIDE A CITI BANK BUILDING. I was extremely upset, so a man who sits at one of the bank desks offered to call the card with me. He called and reported what had occurred. He told me that the money from the ATMs is collected every Monday, yet I still have not heard anything since. How is it possible that this has not been resolved if there are cameras IN THE BANK which can easily display me depositing money!!??

Back in 2014, I opened a secured credit card and deposited $200 as minimum requested by CitiBank. I love this card and its features. Early 2016 Citibank automatically closed this card without asking if I want it closed. They went further and awarded me a Citi Diamond Card with a credit line of $200. I called Citibank telling them I don't want this Card and not at the moment. I even went to a Citi location in DC.

I was in a Costco 300 miles from home. I present my card and am told it's turned down. I call Citi and answer the security question. I'm told it's the wrong answer and the call is ended. I call again, same thing happens. That's 12 minutes gone. I call again and wait for 28 minutes to speak to a customer service rep. Meanwhile, I make my purchase with another Visa. When I finally get through, I'm told it was a fraud alert. I give the rep my security question answer - and yes it's the same one I gave the automated service twice. The rep tells me my card shouldn't have been turned down and that I should not receive fraud alerts when I'm still in the issue state. I check my emails and I find Citi's fraud alert dated a couple of minutes AFTER I got off the phone with their customer service - FAIL. Gotta love cellular phones for their ease in tracking calls. Costco needs to lose Citi as their Visa.

Unbelievable! OMG!! They will not answer the phone, they said they were closed. Today is Friday, Central Standard Time in Illinois. No manager is available. Is it a holiday in India? I have had this account for more than 10 years. My credit rating is 700, and my password is my cat's name. I had to go to their security and the girl I got said my password was correct. I sat on the phone for 20 mins and had to call back. Again they would not accept my information, because I was using my cell number. I have had the same address for 23 years. I am so pissed off. I am canceling and going to use my Discover Card. All I want to know if I did a large purchase what is their current interest rate. I have not had service this poor in years. I am still completely shocked!!! I am going to cool down and write a letter to their company president! I just cut my card up! Feel better. LOL!

Stay clear. They treat people bad. My parents have had this card since 1999. In April they got their platinum cards and their bill is always paid on time and AT&T cancelled their card because they have not used it for 6 months. They are elderly and disabled so they use this card to buy for the holidays so it is not like they don't use the card just not every 6 months and this is how this company treats loyal customers.

We travel throughout the year. Every time we make 2 separate purchases from Costco the second transaction gets denied. Today we got a fraud alert text and confirmed it was not fraud. Message said card is ready to use. Transaction still declined. Then we called and entered the security number. Said "all good". Try again. Failed. Then Costco associate called. We answered security questions and had to talk to 3 people before transaction was approved. 30 plus minutes and hot food getting cold and frozen food thawing. Worst customer service ever. American Express was perfect no issues. So sorry that Costco is working with such a disorganized company.

Well I (mistakenly) got a credit card from them and set up an online account. Next day I tried to go onto the account and the password from yesterday didnt work. The secret word also came up wrong (both written down on paper). After calling 6 different times each with a "call you back later" or "we are unable to verify your identity" still nothing. Then I tried to close down the account and couldnt do that. So now Im left with an account that I cant pay, login to or close. Now I know why their headquarters is in new york, a city that doesnt allow weapons of any kind.

Citigroup is pathetic is well known fact. Giving false information and making false update to account without account holder knowledge and information is legally worrying. Also raises concern on data compromise. Asking for money without any customer help (no cards issues and no account to make payments).

There were 2 fraud transactions reported in my Citi credit card amount of $230 and $123. I reported fraud transactions to Citi bank and customer support team has no idea on these fraud transaction and all transactions are valid and made through credit card. I never visited these restaurants and city. I blocked the card immediately and stopped further transactions. I called the stores (RED LOBSTER and Home Goods) to know more about fraud transactions. Store managers looked at these truncations and confirmed that these transactions were made using credit card and not through online. Also these stores do not accept online transactions. Really confused and how someone has created a chip enabled credit card. This is seriously wrong with Citi credit cards.

There were $1600 in unauthorized charges. I reported them while still on "pending" status. They still processes them... When I called to follow up, they told me that I probably "shared" my card info with somebody because the purchases were online. Not true!!! As per the information in their web page the purchases were made in Marshalls, BJs and Adidas STORES!! After going backwards and forwards they told me that they will take few days to investigate...

Citibank has failed to send statements so I can pay my bills which I pay on time all the time. It happened so many times I closed the account. Since closing the account my bills once again didn't come and cost me late fees. This is a scam in my opinion. They want to blame it on the post office and mail service but it happened with their cards a lot with me. I have closed all my Citibank cards. It's absolutely disgusting what they are doing.

Statement received 16 days late / July 4th Holiday? No idea why. But, after three phone calls they really corrected the error. Wow, Ronel really fixed this. Three phone calls to fixed this $25.00 Late + $14.00 Interest taken off. We got our statement on June 18, payment due June 15th, I made payment online June 18th. Told by 1st Citi Bank Manila Call Center Agent that if payment made by the 20th there would be no late fee, or interest. Called into Citi Bank - have to call early in day to speak to supervisor, like by 7AM PDT - HE SAID HE COULD NOT DO ANYTHING, we should have know payment due. I am long term 20 year+ customer, no late payments in all that time - I told him (the supervisor) I would close the account, he did not care. Period. 7/25/16 Got July Statement it showed not only the $25.00 but a $14.00 interest bill.

I applied and set up a Citi Diamond card for the 21 month 0% but 3% transaction charge. I was excited to get this going, but the instant limit was lower than what I expected. Not a problem, I was going to call and request an increase. First interaction, I was told to wait until I receive the credit card in order to request the increase. I didn't have the card nor the security number to verify the account. So I waited.

I was given this Citi prepaid card by Verizon when I purchased a phone few months back as a rebate. Today I finally tried using the card for the first time and got declined. Made a call to the customer service and was told that it has a hold for the amount that was trying to use because of the declined process. She then tells me that I can't use the card for next 8 days. I tried to ask more questions and got hung up on. I called back and asked for a supervisor, was put on hold and after about 10 minutes of terrible elevator music it disconnected. So, I hope that I remember to use this card before it expires in November or lose it. But then again, maybe that's what they are hoping for.

My issue started when I tried to login into the account on June 21, 2016. I was instructed to call CitiCard recovery department. I was told that the account has being placed on bankruptcy status. I had explained to them that I have never applied for bankruptcy, that they were making a mistake with my son whom has the same name except he is a Jr. He did filed for bankruptcy and had it a CitiCard but it was only under his name. The card that I have is under my name only and that I have always paid with no issues whatsoever. I was told that my issue will be handle by a special department and that I have to call in about 5 to 7 business days. So this issue was resolved and the account was active.

I have had a Citi Drivers Edge card since 1988. Occasionally when the funds in the account get up there I claim the reward dollars. This time I completed the required form, sent in the copy of the lease payment, which contains the vin number, dealership info, lease termination date. All of the information that is required. Instead of getting a check back I received a letter requesting the original lease papers. Frankly this is none of their business! I feel it is an infringement on my privacy. I earned the reward dollars and should be entitled to have them when there are requested. I have not had to provide this information in the past. The solution was to CANCEL the card. Lose over $200.00 and never ever do business with Citi again. So much for customer loyalty after almost 30 years.

Tried to call customer representative, has been on hold for 23 minutes, still waiting. This is not acceptable! I had used Chase for years and typically a representative is reachable right after the call gets through.

I am disputing a fraudulent charge on my Citi credit card. I was told, I would not have to pay the charge. I get a letter in the mail, that the dispute was charged back to my Citi credit card. I never received the dispute letter to fill out. I have now placed over 14 calls the customer service #18008426596. I requested each call to have the dispute letter mailed to my home address. I was told that a dispute letter would be mailed to my home address. I am now 16 call to Citi credit card dispute line, I have been waiting on the phone now for 13 minutes and still holding.

I have been a member with Citibank only a few months. Every time a pay my bill it takes 2 weeks or more for them to post payment. It's a good thing I always send at least two weeks in advance of the due date and I always pay 4 times the amount due. This not pleasing to me as I would like to see my payments posted much sooner. I don't understand the reason it would take so long. I also requested and credit line increase and was denied and don't know why as I stated I have never been late and always make large payments or pay in full.

I was doubled charged by an airline. I tried 5 times to get a hold of Citibank to resolve. Once you get into the automated number with Citibank and ask for customer service, it states they have high call volume and hangs up on you. This has happened for the last 3 days.

My bill was due on the 1st of the month. I don't get my pay posted till 1st of the month so I have a tight window to pay my bill. I unexpectedly had to pull a 13 hour work shift and didn't get home till 10:30 p.m. and knew I had to get my bill paid soon. I thought I had till midnight and I paid it at 11:02 C.T. and noticed the confirmation page showed my payment wouldn't post till the 2nd.

Went to the CITI website to print PDF of last month's co-branded Costco credit card statement and guess what -- it can't be done! The option is not there, even though on the first account screen it says print PDF of statement. You can print from Quicken, but not PDF. So if you want to go paperless with the idea of printing occasionally, you can't do it. This seems straightforward -- can't imagine why CITI didn't have this figured out before Costco took away our American Express cards (excellent technology, BTW) and replaced them with the CITI cards.

I originally had, along with apparently thousands of consumers, a Costco American Express card. I got this card when Costco transferred everything over from their previous credit card company. I paid my bill off every month. Imagine my surprise when I went online to look up my account under Citibank. I was charged a $27.00 late charge and $40.00 in interest. On an account I hadn't received a bill for. The payment wasn't due until August 8th. I called up Citibank, waited forever, and finally got a person who said he was so sorry and that both amounts would be taken off my account. I never would have applied for another credit card. I was perfectly happy to keep my American Express and just pay cash at Costco the few times I would go. However, my American Express card has been closed and I was channeled automatically into the Citibank Visa.

I purchased a pair of sunglasses from Saks Fifth Avenue online using my CitiCard in February 2016. I got a notice from CitiCard that the same item was available from Nordstrom for $80 less in March 2016. I filed with CitiCard Benefits online for receiving the benefit and provided the necessary receipt from Saks Fifth Avenue. I never heard from them until I checked the status of my claim today. The claim was denied with no explanation. I called them and after a long phone chase was able to talk to a representative who told me the claim I made was for a different model. When I checked with Nordstrom it turned out to be the same model. It then struck me that the whole scheme was a gimmick.

I have had my CitiCard for the past 5 months. Beginning 6/15/2016 each time I have attempted to make a payment no one answers the phone. I'm scared I will start getting late fees which in this case is not my fault. With a 21 month zero interest transfer I thought it was a deal to transfer $9600.00. I have only 7 months to pay off the remaining balance of $3,700 without interest. As I type I'm still on hold going to 45 minutes.

We have been credit card holders for over 20 years. Our CITI card is compromised at least twice a year. What is with that? We have decided to trash all CITI cards to avoid any more hassle.

I have $15,000 credit limit on my new Citibank card, did a transaction over the phone with my casino host who I gave my card # to complete the transaction before going to Vegas for a vacation. I have done this many times with American Express with no problem & have excellent credit. While out, getting ready for my trip, 3 days after I sent the host my info today I get a text from the fraud department for CitiCard Fraud dept asking me if I attempted "a charge at Mandalay in the amount of $5,000 on 7/15/? For yes reply 1 or reply 2 for no." I immediately replied 1. I was happy that they verified this & thought that was it. The next text message says "Please reprocess your charge. Your card is available for immediate use."

With my old Costco Amex, customer service was always a beautiful thing - prompt and responsive customer service. Costco did a huge disservice to its customers when it switched to VISA, because Citibank's customer service is horrendous. Shortly after receiving my new Costco Citi Visa card, I had a customer service issue. Being unable get through on the phone, I sent a message through the website. The response I got was hardly prompt and when I did get it, it was not only in the negative but completely unresponsive. I asked for a supervisor to contact me. In response I get essentially THE SAME unresponsive reply from the SAME customer service agent!!! Again I sent back a message pointing out how his answer was unresponsive and AGAIN asking for a supervisor to contact me. It's been over a week and still no response from anyone at Citi.

I recent received my HHonors Visa with Citi and currently on day three of usage. I only decided to get this card to support my HHonors American Express and get the bonus points as well as use it where AMEX isn't accepted (my way of trying to double dip on points). This is by far the biggest mistake of my life, never had I had such difficulty trying to get a card approved, they wanted all sorts of proof even though I have outstanding credit and many outstanding accounts. Well just recently I went to do a quick grocery trip that ended with me on hold with Citi for over 30 minutes because my card declined, the automated machine stated that there was a fraud prevention hold on my card. It was slightly embarrassing with my card declining and not being able to get a hold of anyone.

I called Citi to change the type of credit card I have. I keep their card because I like having a Mastercard for the occasions. It is the only card some businesses accept. While being told of the new differences in the new card I was told something different than what was stated online and I was staring at it at the time. The call center employee kept going like I had not questioned the discrepancy so I asked about it a second time. When I began to suspect a lack of understanding as to what I was asking, I inquired as to where the employee was located and was told India. I asked to be transferred to a US call center and was put on hold for over 15 minutes until the India located center answered again. Same problem so, again, I asked to be transferred to a US located call center. Was on hold another 20 or so minutes before a recording telling me to call back during "normal" business hours. Unacceptable as far as I'm concerned.

I had an American Advantage CitiCard for many years, and always thought the customer service was good but cancelled to go to a rebate card instead. Recently took out another card and boy, have things changed. If you are unfortunate enough to have to call, you can expect a 20-30 minute hold time to speak to someone in an obvious off-shore call center. The rep was barely intelligible, and no help at all. Apparently they don't value good customers as they make no effort to save an account.

The reason I decided to create this review is to save anyone else from spending 4 fruitless hours applying for a Citi MasterCard on the American Airlines website. I started out in the morning at about 11:30. After selecting the right flight arrangements which only took about 90 minutes of looking I was ready to purchase the ticket.

Their site has been down for weeks for making payments or changing payments. Why doesn't the gov't shut them down completely - as this is tricking the public. I can't make my payment on time. When I try to call - I was on hold for 1/2 hr. I finally gave up and hung up. I now have to send in my payment by mail - to make sure it gets there, and there's nothing funky going on in my account. I just don't trust them.