Citi Credit Cards Reviews

It took me 2 one hour phone calls and talking to 2 representatives to find out that Citi is not doing anything to alleviate the pressure of Coronavirus on families. It is really a shame because we do a lot of business with them each year and their response to this unfortunate circumstance has been so weak as they offer no protection for their customers.

I had a suspicious charge on my card, and as or now, I have been trying to contact Citibank about it for two solid days. I tried the phone number on my card, I tried a different Citi card, I tried several numbers for Citi from Google. I tried emailing them. I tried downloading their app and contacting them that way. Two two days I've gotten nothing but hold music and robots hanging up on me after being on hold for hours. "24-Hour Customer Service" is written on the card next to their number. Well that's 100% a lie and a false advertisement. If you value your security and your ability to control your finances, close all your Citi accounts immediately, and if you don't have one don't open one. I don't know what kind of charlatan company this is but they are definitely not trustworthy.

I have 3 regular credit cards plus store and gas cards serviced by Citibank. I used to think Citi was a excellent card company and recommended them a lot. That was until 2 months ago when out of nowhere they lowered all my credit lines on my regular cards to the point where my usage went from around 30%-50% to 10% tanking my credit score. (Never a late payment and always paid more than minimum). No warning or nothing. This at the same time I was in the market for a new car. This makes one wonder how to make payments.

Citibank customer service is a joke! For the past week, there is no "live" person to speak to on the phone, just automated. Had questions about new card received in the mail. They are touting their response to the pandemic. NOT!

The executive of bank told me that I will receive credit card. While opening salary account they told me I will get card after my first salary gets credited but I haven't received the card. Later on bank officials told that cibil score is required. Now they fooled me and I'm stuck in current scenario.

Just got an email from Citi today noting they are reducing my credit limit on a credit card I carry, which they did. They actually reduced all three of my credit cards. I had a 4500.00 reduced to 640.00, 3000.00 reduced to 300.00. This came out of the blue and without justification. I have never been late on any of these accounts in the 3 yrs I have had them. I found out when I attempted to use the card to get groceries delivered due to COVID19. I have been on hold for over 2.5 hours, and on the mobile app messenger for about 2 hours.

I have been trying to dispute a fraudulent charge - but can never reach someone to talk to. I tried three different times and stayed on hold for over a hour each time and still never talked to anyone! I am going to cancel all three of my Citi BankCards when I finally reach someone!

I have never had a credit card company perform in the manner Citi has. For whatever reason Citi wants to keep my Hard Earned Money. For the past 4 months, Citi has not been releasing my money that I credit to my account. I’v had Citi credit card for now, 1 year and 3 months. Every time I made an payment, my payment is reflected right away. Meaning my available credit is updated. But for no reason at all Citi wants to Hold my payments now for 7 to 10 Business Days. For example, just recently, I made a payment on 03/20/2020 for $300. My bank paid the transaction on 03/23/2020. To this day 03/29/2020 Citi has not released my money. They are saying it for Safety and Security Reasons. My Hard Earned Money will not be released to me until 04/01/2020. Even though my bank paid the transaction on 03/23/2020. This credit card company is Unethical and Incompetent.

I was paying my card on time for 2 years and when coronavirus starts, I have some difficulty to pay my bill. I call customer service to postpone my payment however they refuse. It only took me 2 days late to pay the minimum payment and they report me to credit bureau. Right now, I have a late payment on my credit score. My credit score get affected. I don't recommend the credit card company at all. Customer be aware from CITICARD CREDIT CARD!!

I have a Citi Thank You Master Card. For years. My husband and I have lost our jobs due to Covid 19. We have had all our other credit companies work with us including Ford which deferred three months of car payment. I have called Citi 4 times in the last week. Been on hold for no less than 2 hours every time then, got hung up on one. Called back. Was told they don't have any payment plans and it would affect my credit and I would be charged a late fee. This is unheard of but they got a bailout by the government but won't help their customers. Shame. On them.

Called today to see if there was any assistance for people that had been affected by the Covid-19. The women that answer the phone made us feel so uncomfortable. My whole family has been affected since we are a small business that needed to be closed due to the pandemic. We wanted to see if they were able to defer our payments for this month. That was already hard for us to ask, because we have never been in this situation. Instead she told us the only program they have is to closed our account, and reduce our payments.

I am very disgusted with how this bank is handling their long-time customers with good accounts and standings during a time of crisis. They would not help me AT ALL during this coronavirus pandemic and unlike every other bank that has deferred payments or even lowered it, this bank did NOTHING for me to help me with my situation. I've heard other people who are unemployed or not making enough money is going through the same crisis. How can they not have a plan to help their customers at this time? They can make up all kinds of excuses but other banks I've worked with are organized and have helped many people during this time. This is the most corrupt bank organization I have ever dealt with and plan to move my balances somewhere else once this pandemic passes us.

I’m a single mom, lost my job at least for a month due to the pandemic. Notified them that I’m jobless living paycheck to paycheck and need the little money I have left to pay necessities for my son for the month. They informed me there’s nothing they could do. I’ve always made payments on time, never asked for extensions. Great to know this huge company couldn’t even help a struggling mom during a pandemic by delaying the payment just ONE MONTH. I’m disgusted.

I had a Citi Mastercard for over 10 years, never late once. Looking through my email I found a notice saying they will not be renewing my card at the end of the month. Right in the midst of the pandemic Covid-19! Despicable! My wish is they go bankrupt due to Covid-19! DO NOT EVER CONSIDER CITICARD! YOU HAVE BEEN WARNED!!!

2 Citi Cards since 2009, never a day late or dollar short on payments, and my credit score high 700s. Today I get call from fraud prevention (I’ve had several in the last 3 years) advising of possible fraud charge to my account ending ****. I call them and advise I have no account ending ****, my card ends in yyyy. I was then advised they “issued” a new card ending ****, but it HAD NOT BEEN MAILED TO ME YET. How was a fraudulent charge made on a card that Citi had not even mailed out yet? And why do they think I made the charge if the new card had not yet been mailed, and I knew nothing about it? Now my old card is canceled too. In the past they locked my card when I tried to use it at a 5 star hotel overseas, forcing me to call them long distance at a cost of over $47 because it is so difficult to get in touch with them. Not once was the problem created by me - always by their own procedures. As big as Citi is, they are the most incompetent.

Very sad! I had this card for a month and a half. Tried to use the card at Costco and it was declined. I proceeded to check the account once I got home and to my surprise the payment didn't go through (which I have proof of the attempt). I call Citicard and speak to a customer service representative and we figure out that the routing number was wrong and that's why my payment didn't go through. We proceeded to correct the issue and I paid off the 2,400 dollar bill. At this point I thought everything was good. We hang up the phone and I use the card a couple days later. Card works no problem! Fast forward to today, I go to costco to use my card and try to buy some rations for the corona virus and my card is denied. The lady I made the payment with previously said nothing about them shutting down my card. The fact that it still worked, after the payment, was an issue and itself, but there was no warning.

Do not do business with Citi credit card company!!! I had 2 cards with them. The one card they shut off because my credit was bad. The the other one I am paying off this month!!! I gave them a payment and they took it out of the wrong account. Bounced my account and gave me 100 dollars in overdraft fees!!! If you have this card cut it up and pay off the balance and tell them to go screw themselves!!! I will NEVER EVER do business with them EVER again!!! The worst credit card company out there!!! They have very incompetent employees!!!!

I became a Citicard member sometime between Oct-Nov 2019. I used the card for the first time Dec 24, 2019. My payments are due the 17th of every month. I attempted to make my first payment Dec 31, 2019. Unknown to me I had entered my bank's routing number twice and they processed it on their website. First how? If you enter the same number for routing and account wouldn't the system not accept the payment? So I'm thinking I've made the payment and then I get an email saying that the payment hadn't processed. So this was an honest mistake, no return payment fee was given because a payment was never processed.

Simplicity bad card. I applied for this card that says there is no late fee but they never said that if you're late they are going to report to the bureau of credit department and I forgot one payment, now my credit is bad.

Membership charges from Gold's Gym continued on my CITI card after I cancelled the gym membership. Contacted CITI customer service and they agreed that charges were fraudulent and they issued a new credit card to me. Charges continued on the new card. Called several times to check on dispute and finally got a dispute ID number. Now after 3 months from when I notified CITI, I get a letter from them saying I'm responsible for the charges because I gave the gym my account number. I've been a CITI customer since 2005. BEWARE - giving your CITI account number out is like handing the merchant a checkbook full of signed blank checks. Extremely displeased with CITI!

I found an unauthorized charge on Citi credit card and called to alert and contest. I was assured credit applied and issue would be resolved and received no further communication. Months later I see credit applied and then reversed, charge is back on card and this not communicated to me. I contact Citi again and am assured charge would be removed, they now cancel card and issue new one but fraudulent charge not removed from account balance.

Had a card for couple Of years. Trying to build my card up. Now they want to lower my limit for no reason! Never been late on a payment. Will never use this again and I suggest nobody apply here! Angry customer!!

I have been a CitiCard member for some time. As a Citi member, with two cards. A perfect if not excellent payment rating and history. I have NEVER missed any payment. Both accounts are currently PIF! And you folks DENY me credit for a Citi Rewards MC? What the hell! Maybe All my cards should be sent back to you!

This is a great credit card that I would recommend to everyone! 2% cash back for all categories is great. Whenever I don't have 5% categories with my other cash back cards, I use this one. The customer service is always good at Citi too!

Once a transaction is disputed and reversed, you are out of protection. The dispute department will send you a letter before the reversal of the dispute, if you don't response by deadline, then you are no longer protected. In my case, the seller notify me, before the Dispute department's deadline, that they have refunded my account successfully. So I accepted the CitiCard dispute reversal and didn't response. However, the refund transaction never came through, so I called CitiCard, and they said there is nothing they can do because I accepted the reversal. This is still a FRAUD situation, but the customer service supervisor "Jeff" of the "KTY" team won't do anything. So be very careful with the CitiCard dispute process. I had paid my lesson, and hope whoever see this review can avoid it in the future.

I have called and called and called and am getting nowhere. I am so disappointed and I have been looking for any and all ways to leave reviews so that other people don't get themselves into this situation. I have reached out to the Better Business Bureau to hopefully get some help. Not sure what else to do but I definitely would warn people against this!!!!

I made a 500 dollar payment on my card in order to help my credit score and then Citicard reduced my credit limit by 500 dollars. This card is a fraud and the don't help you with anything. All they care about is their money, their fees and what they want. They don't want you to pay off your card or do anything that changes your payments of fees. Horrible, horrible company!!!!

Worst credit card company ever. After paying the balance in full of $2000 in December of 2017, they closed my credit card account without notifying me and when I wanted to use my credit card during an emergency and boom my credit card was declined. I then called up the Citibank customer service. I called customer service several times last year 2019 several time to activate my account when I was in a dire need. Also shut down my online access to the citibank account. I was unable to see any activity on my account. Till to date I do not have access to my online account. That was a total HARASSEMENT.

The Citibank credit card is ridiculous. Their standards to get a card are VERY hard. We have a credit score of 760 and still can’t get one and they only use use one credit bureau so that’s what you're based off of. I wish Costco offered different options for a visa credit card or different company Citibank sucks.

When I ordered this credit card they promised that the chip inside the card will protect me. They also said that I am not responsible for fraudulent charges. On January 17, 2020 I came from work to see a phone message and an email saying that my card was used in unusual manner. I only use it for food and MTA in the same location. This time my card was used in some fancy shoes shop in the neighborhood that I never visit and some crazy amount was spent. I immediately called the number provided and told them to stop this payment. They told me that it was too late to stop it.

I sent my payoff to five Citicards. They post three of them already, the card with highest monthly payment. How if I sent all checks together on January 7th 2020, they were able to post three of them and still not post the higher payment and the higher interest account. Very suspicious. :(:(:(:(

Worst bank ever! I regretted so bad to have applied for the credit card! They reduce my credit line limit hurting my credit for no reason! Contacted the customer service. It was even worse experience!

I have been a Citibank customer for 10 years. It was my very first account out of school, and I am so disappointed at the lack of responsibility and respect this company has for their customers! There were $16,700.00 fraud charges made on my credit card that was only used for recurring payments online and never in person. Citibank sent a replacement card without my knowledge or email to warn me.

They have outdated verification models - I was once required to receive a letter in the mail in order to use my card because I had to call in twice on the same day to use my card. Inept staff - you better hope your account isn't flagged for suspicious activity. The issue follows me around for 2 weeks every time this happens because they somehow cannot figure out how to tell the system I verified transactions. Often verifying transactions leads to a text message seconds later saying my card is locked until I verify transactions, and indeed that is the case.

CitiCard and CitiBank is a scam. I signed up for their credit card and they withed the card from me for almost 2 months. They mistakenly sent it to the wrong place several times. By the time I spent the minimum purchase to get the American Airlines points (a few days past the date) it was past the promotion period. This was all due to their neglect on where they sent the card. I called to reason with them and they can care less to keep my business. I would not recommend this company!

I am holding Citibank credit card and I purchased few items behalf my girl friend and she has done credit card payment through online her USBANK. The amount got credited into my account successfully. After 20 days citibank reverse that amount to sender's bank again. I don't know why they have been done this mistake without inform to the customer. The payment status I have got updated on systems after 20 days. I was surprised and complaint to citibank but no one doing proper investigation to help their customers and they simply said the amount got reversed and ask your girl friend to do again payment. Now she said this issue with your citibank not from her end. Finally I was lost $5000 because of the ** citibank no customer security accounts and they don't care about their customer information and security. Do not trust citibank.

I am on paperless statements. I do not pay my bills late. A purchase I made for Christmas happened to hit where it was due 1/1/20. I did not receive the statement this time and did not know it was due. Upon research - I believe it went into junk - or perhaps I missed it. Regardless - they refused to waive the late fee. They did give a statement credit - but it wasn't for the full amount, and frankly the issue is the principle of the matter.

I have an autopay set up for my credit card as a safety net to make sure I never forget to make a payment. I updated my auto pay with a new payment account and the system saved the information but apparently failed to take a payment. They call me a month later to let me know that I was 30 days late! I tried to dispute it but talking to a Citibank rep is like talking to a wall! They basically called me a liar! They confirmed that I put a new payment account on my autopay but said that I cancelled the autopay which is completely false! Never in my life have I missed a payment on any card with them or any other bank! I'm also disputing this issue with the credit bureau as it really affected my credit score and also solicited the help of the CEO of Citibank who has not answered me yet.

On December 12, 2019 Citi called regarding a MasterCard issued in my name October 2017. Credit line allowed to max to over $9,000. Citi claims the account was established without my permission. Citi omits that from November 2017 until August 2019 the card had a zero balance. Citi claims I activated the card which I do not remember. The card is still in my possession with the activation sticker on the back.

I enrolled in a doctoral program, little did I know that Citibank would start to lower my available credit EVERY MONTH to be just over my balance even though I had made all payments on time!They also continued to increase my interest rates. As I have three cards with them, their actions continued to impact my credit score by reducing the available credit to balance ratio which then affected my other cards. I hate this bank, plan to close all three cards, and will NEVER use this bank again. I have no trust for Citibank, my advice to you is go with a credit union and stop getting manipulated by banks like this. None of my credit unions lowered my available credit or increased my interest when I returned to school. I HATE this bank.

Citibank is good. Double cash card that I had is wonderful card. However, when it comes to fraud department, it's a hell. Somebody requested replacement card of my double cash card and received it without me know it. Somebody used the card at Home Depot for $913 with chip inserted. Only because they paid with chip inserted, investigator from Citibank closed my investigation and now I have to pay it. I've made call to the department I've emailed the investigator, but no one responding. Since it has been few weeks, I've gave them a call again today and they did not even looked at my email. Terrible services. Terrible policies. If you want to get Citibank credit card, make sure you don't get fraud transactions. Once you get it, no one is willing to help you.

Today 12/3019 I received a call from a CSR telling me that have a past due amount with some of late charges. Well I moved to a new address in October and I think I did by mistake to select the option PAPERLESS, for my understand I never did it. Some the system is a little tricky when pop-ups coming out constantly. Based in my last statement I paid the whole amount to zero balance. Based in this state of my account I never worried for any email since I received a lot of them daily. In a while they send my statements by email and I was not aware of them thinking my account was in zero balance. There were sent the statements for November and December with amount due plus late charges and I ignored all of this was happening.

Was sent an offer to transfer balances at an introductory rate which made financial sense to take advantage of. Once I made the transfers, my credit reached close to its max. After a few on time payments, noticed that as I paid the card down, they kept reducing my credit limit. This would hurt my score every time. When I spoke to the rep, they said the credit bureaus told them to lower my limit, which is the most ridiculous thing I have ever heard, as I work in the financial industry and often find myself suggesting to clients what credit card is best for them to open. After making a $2000 payment to my card, they decided to reduce my limit by that exact amount, once again hurting my credit rating. Stay away, there is better cards that rewards you for your on time payments versus hurt you as you pay your card balances by reducing your credit limit.

I got a Citi secured credit card. Im trying to rebuild my credit. I’ve never reviewed my statements (which I should have done). I had an issue come up and I needed to talk to customer service. So I did the texted version on the app, No help. I finally asked for a number and called. I got in touch with someone who obviously did not understand so I finally asked to speak to someone who spoke English. Finally I talked to someone who understand. I explained (again) why I was calling and the lady was helpful. She ended up giving me bad information. So I started the whole process over the next morning again. When I was finally able to talk to someone who spoke English, I was told something totally different and realized for the last couple of months I’ve been being charged a late fee for being 1 or 2 days late which was my fault because my other cards give a grace period.

Terrible service and resolution for disputes. Last year Dec 2018 I had 2 fraudulent charges totaling over $1500 to / via PayPal and 4 Netflix charges (which recurred each month for over 6 months!). I started working with their security department in March to resolve these....it took months for them to resolve the Netflix charges and to get them to stop. Until today I was working with them on the other two large charges....calls every couple weeks or so. Kept being told that they had to dearchive them as it was on an old card number. Same story each time.

I recently paid off my Citibank card in full. Before the statement date, I made another substantial purchase and paid the majority of it off before the statement date. It dropped my card usage to 20% of the limit which I knew would be healthy for my credit score. The statement came and there were no changes to my credit limit. The day after my statement was sent I logged onto my account because I was going to make an extra payment in preparation for another large purchase I'm planning on making and I noticed they dropped my credit limit by over 70%. The credit line decrease doesn't bother me because I have other options.

Terrible (non-existent) customer service. If you can get past all, their robots, you’ll get an overseas call center with terrible English understanding. If you’re desperate enough to accept a card offer from these scrubs, here’s what you can expect:

Citi Bank Credit Card has delayed posting payments to my account two times now. The 1st time they said they would have to get my bank on the phone and would bring them on the phone so I could tell them it's OK to verify that the payment cleared. The second time it happened they told me would have to do the same thing, only this time my bank said they don't verify cleared items to third parties. That was 12/02/2019 and Citi Bank finally release the funds today 12/17/2019. On 12/02/2019 I asked why they would do such a thing. She told me they do this across all their credit cards if the payment is sent using a different device such as my cell phone instead of my laptop. I am angry and am cancelling the card.

From opening the card it was clear customer service was going to be horrible. I just hoped I'd never have to deal with it again after "proving" my identity to start using the card by, get this, them texting me a code (which didn't work) or, and I promise I kid you not, mailing me a letter with a code to my new address which I just changed before being able to use the card for the first time. Imagine that as a security measure. Anyone that could steal my identity could have changed the address to theirs and Citi would let them prove they were me by mailing them a code. Not providing secret info. Not proving anything. Opening a letter. Anyway, the issue happened with Uhaul truck rental. I was given a defective rental vehicle. Told Uhaul about it, and Uhaul decided to not fix the issue and still charge me the full price for the rental.

Fortunately my credit monitoring service informed me when Citi Reported a Negative for consumer does not follow card agreement - why? Because they made a mistake on a chargeback and refunded their client Sears who owes Citi a lot of money in loans. Sears is struggling. Instead of getting proper documentation they favored sears without properly informing me what was going on. So when I sent them the indisputable documentation sears had picked up and accepted the return for which sears failed to refund - they then changed the dispute back to correct scenario. I can only assume a vindictive employee who should be fired was upset and then put a derogatory mark on my credit lowering my score. I contacted them to remove this.

My family and I had gone through a hardship within the last year and are now trying to get back on our feet. I had recently made a some payments in order to try to restore my credit and bring down my credit card utilization that had accumulated during the hardship. Just days after I made a larger payment, I get a notice that they have Citibank had lowered my credit limit based on my credit report. Mind you, I just checked the report that day and I have 100% on time payments and my score has just gone up. I have never missed a Citi card payment and have given them no cause to lower my credit limit.

I had a dispute with a health club where my employer would pay part of the cost. Due to the club's computer system they didn't record my visits so they put the amount my employer would pay on my Citi Card. I submitted the info to Citi but they say I have to resolve it with the club. VERY DISAPPOINTED WITH CITI.

I have a Citi double cash Card with a 100% fraud protection. I put into dispute in September. It is almost December. For fraudulent charges from a rental car company that attempted to charge my card several times they approved 3 charges going above my credit limit that were not authorized and have said to me many times they would credit it back to my account and assured me that I had a 100% fraud protection and they have done nothing but send me emails that say they're looking into the dispute. I can't use my card because it's over the credit limit and my credit score has now dropped 60 points! How long is this gonna take. I'm completely disgusted with how they've handled this and not done anything. I've always made my payments on time. Never late. Never missed a payment.

I wanted to write in detail what the "circus" CitiCard Advantage is making out of a simple replacement card. I see after reading submitted complaints that this company is just too unorganized to do a professional job. Ten days (10) ago after a compromise on my card, a replacement was requested. I am still waiting for that promise of card being sent out by FedEx by (3) Three different agents. What liars are employed by this company. Wonder if you can trust your money the Citi Banks as well??? I will be dropping and NEVER recommend this card to anyone.

I applied for a new card. Waited the 7-10 business days and it did not arrive. To keep this short, in summary, I called over 10 times inquiring as to where my card was, as I wanted to make a large purchase to get the miles they were offering. I was told numerous different things depending on who I spoke with. Since I never received the card, I was unable to know the entire digits, therefore I couldn't use it nor would anyone I spoke with re-issue me a new card. One person told me the card was returned to Citi, the next person he transferred me to said I needed to keep waiting for it to arrive, then the last person said it was delivered to my house (to which I stated I am at my house and there is no card). I kept getting blind transferred, starting over with my story, and it was apparent that the people I spoke with were at a call center and were reading off of a script. I was then told I would receive Fedex tracking within 24 hours, and I did not get that.

After almost 14 years of being a Citicard credit card holder. I decided to call it a day. Horrendous aggravating customer service, no follow through, mistakes on bill. There are too many other cards out there that value your business and that have knowledgeable customer service representatives. This company is a joke.

My auto pay acc was changed and without my authorization exactly one day after an auto payment was processed. I called to make my payment, ask why they were trying to draft an auto payment from a bank acc that is not mine and that I didn’t change. I also needed the late payment fee waived as a courtesy.... again for something I did not do.

I would think it's with all Citi credit cards. I made my payment on time, but it was posted to the account one day after the statement closing date. They charged me full interest, and did not care that I actually did pay on time. Or even tried to work with me. After all the time I've had this credit card, one issue that wasn't even my fault. No help, just ridiculous.

Had a fraudulent charge. After my number was changed was still charged the amount. I always pay my credit card off and have excellent credit. I’ve called seven times and was given different answers every time. I think this Company will be in the news soon.

Disputed charge on my stolen credit card number. Initially credited my credit card but then reversed when merchant (PayPal) did a chargeback with info given to CitiBank. Citi never detailed this information to me before making their decision. The investigation by their fraud department is sadly lacking.

Citibank close my account with no reason, My payment history was 100%. Not a single payment missing since I have this card. No customer service help. I called two time to ask reason of close my account, then they I need to send them written request.

If you purchase your airline tickets, hotels, cruise etc through a travel agency do not expect 3%! All you get 1%! Unless you buy directly from airline or hotel all you get is 1%. What makes it worse unlike many other cards Costco City Card gives no travel benefits (trip interruption, lost baggage etc. for ANY reason).

I have been a CitiCard holder for over 12 years. Never had any issues with them. I have never missed a payment or anything negative. This past June we purchased tickets for a concert and the merchant ended up charging us double. So I called Citi because the merchant had a no refund policy. (3rd party crap). And Citi said to file a dispute. So I did.

My husband and I called about paying off $6800 on a Citi Diamond Preferred card. We had transferred the money and had a zero percent interest rate promo which had just expired a couple of weeks earlier. Unfortunately, we got hit with the interest charge of $59. While not a huge amount, my husband asked the representative if we paid off the card, would Citi remove as a courtesy the $59 interest charge. The rep said they usually do as a one time courtesy, but we would have to pay the balance first and then he would check with his supervisor. We did, he put us on hold for a minute or two while he checked with the "supervisor." It was denied. While Citi had no obligation to do so, it left us with a very bad taste since the rep had told us it's usually done.

We have never once been late on a payment, never missed a payment, and yet for some reason, every month, our minimum due goes HIGHER. It should be going LOWER considering we are PAYING IT OFF, but no. And when you contact them they are the worst. All of their call centers must be based in other countries, and the understanding of their reps is minimal. They give you a run around and don't care about you at all as a customer. NEVER using them again, and going to get the balance off and just pay someone else.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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