Citi Credit Cards Reviews

I reported the card lost on 6/26/16 by phone. After 44 min of hold/wait times, the rep offered to send a replacement expedited and waive some trivial $5-10 fee. Alarmingly, she wasn't even sure if the department that processes lost cards was available that weekend but she "offered" to help me. What CC department only has a lost card # on the weekdays only!?

Opened a thank you preferred card; didn't have any real issues. Decided to open an Advantage card for the mileage and perks since I travel frequently for business. First account had a few perks, but an inflight offer 2 weeks later had an even better incentive. Before the first card could even be used, I applied for the better offer. I was told they would close the first account and replace with this one. Well, after checking on the perks I NEVER RECEIVED I was told eligible charges were on the first account and since I applied for more than one, I didn't qualify for the (better) perks of the second card. Then during the same conversation with a supervisor(?) I was told charges were actually on the second account so, I couldn't get the set of perks (miles, etc.) from the first card.

New customer. Fell for their 0% rewards card marketing. Transferred a balance. Have not received my card. Called customer service. On hold almost 30 mins before speaking with someone. That person stated my card had been sent on 6/8/16. When I asked that the new card be sent certified, I was told she didn't know how to do that, but that she was going to guarantee I would receive my card in 7-10 business days. When I asked how she was going to guarantee that, she stated "I'm going to give you a confirmation number". Obviously, she works outside the US and has no clue as to how postal services operate, and that you can you can't just magically guarantee anything. She was less than helpful.

Been attempting to resolve a dispute over charges from a cosmetic scam I unfortunately got involved with. Needless to say, the (hidden) terms and conditions allow for many of these disreputable types of scams to exist. But worse yet is the financial organizations that allow it. Citi has had me on hold longer than 30 min. on several occasions. When someone does actually answer, most often from out of the country, they have little knowledge of the situation or how to resolve it and will offer to have a 'supervisor' - or other titled person - return the call w/in 24-48 bus. hours. I have come to understand that THE best option is to utilize DISCOVER for my financial transactions. I have been w/ them since 1981 and have NEVER had a bad experience. Lesson here: obtain a second card from DISCOVER. Be wary of ALL financial institutions and research and READ reviews!

I did wait about an hour maybe a little more, but when the girl answered she was very nice and professional and helpful. She stayed with me til everything was working perfectly. LeAnn was her name and she was GREAT. Thank you.

I dislike the voice automated systems that insist on requiring a customer to give a verbal command as opposed to allowing a keypad selection. I see this as a greater threat to information security, and it prevents the ability to speak with anyone at CitiCard from a public venue, as you are required to speak sensitive information "OUT LOUD". Getting a hold of an actual person - next to impossible. Today I am 1 hour into trying to complain, and have not been able to get a live person or even a voice mail where an appropriate complaint can even be registered. Trying to pay a bill by phone is a joke, and public wi-fi is a bad plan as well, if I did any banking online... which I prefer NOT to do.

Citi.com complaints: Literally hours waiting on hold for Citi customer service (ha), if you get that far because they hang up cuz they're too busy. Citi reps say they have NO info about AMEX accounts and then hang up. AMEX had forwarded me to a long delay to Citi customer service, cuz AMEX has NO info on the Costco accounts. For days attempted to get through to Citi to report the AMEX card hand been stolen on/about June 18 evening. Could not get through for 3 days. AMEX payments made electronically on June 20 was not credited to account.

Credit deducted from my account. I have charged 2374.16$ from my Citi credit card. I tried to contact them thousands of times, still they didn't solved my problem. They making me to cry almost every day.

I can see why Citibank has 1 star - worst customer service ever. I'm simply trying to cancel the card that should never have been issued by Citibank but I've spent hours trying to make this happen. I cancelled my Costco American Express card over 6 weeks before the conversion to Citibank. I called on 5/11 to confirm I wouldn't be issued a Citibank card - 6 weeks before the conversion date - but of course was issued one anyway. So upon receipt of the card on 6/14 I called again to cancel and after being put on hold and then transferred & put on hold again I was told by Rick that I had to call back on 6/20 - until then there was nothing he could do. Rick's job is not customer service - his job is to get you to keep the card. He had ZERO customer service skills.

I inadvertently sent my Citibank airline credit card payment to another company. When I discovered the error, I immediately paid the entire past due balance. I called Citibank and explained what happened and asked them to waive the late fee. I pointed out that I always pay my entire balance in full when I receive the statement and have never been late before. After talking to a service rep and his supervisor, they said the late fee could not be waived. They said the only way the late fee could be waived was if it was a bank error. What a poor response to a customer who has never been late before. I immediately cancelled my credit card. I don't need to be with a company that does not value me as a customer.

I received my card about 4 months ago. Made my payment on time, then suddenly started receiving a barrage of calls. I'm thinking just some promotion, only to find out after receiving my bill, it had past due, with a fee of $25.00 return check. So I immediately contacted my bank about this situation, no return check whatsoever. I pay by phone, so I received a confirmation number for all my payments. They stated everything from me only stating 5 numbers instead of 7, for the payment. Wouldn't be so, information has to correct 1, not only that they replay your information before receiving a confirmation number. Spent 2 hrs on the phone trying to straighten this up. That was last month, which was May. Supervisor stated she would remove the $25.00 return check, so my account went from the current 25 to 60 last month because of their error.

CitiCard is terrible! From their banking to their credit cards. When I signed up for banking they told me if I had automatic deposits in my account I wouldn't be charged any fees. As soon as I started getting automatic deposits into my account... Citi started taking 12.00 dollars out of my account monthly. What a bunch of thieves.

It was Thursday June 2nd 2016 around 10AM. I get a call from Citi about my CitiCard credit card getting shut down from their fraud control dept. They want to get myriad confirming pieces of data on me "to be sure they know who they are talking to". So I tell them I will call them back as I don't give personal data that can be used to secure credit applications out over the phone to people who happen to be calling me as this smacks of a generic phishing and fraud call, thank you good ** Bye.

Where do I begin? First, I would like to say although my issues comes in two forms. T-Mobile and Citibank Prepaid! I called this bank about 2 weeks ago to see why it was taking so long for them to mail my refund on behalf of T-Mobile. This young man by the name of "Justin" answered. I thought he would be able to help me out with this frustrating issue of getting my refund. So he proceeds with asking those super monotonous questions. I went along with it, it's his "job". Well, long story short, he hangs up (or we dropped calls as they like to say when they do not want to deal with you anymore)! So I called T-mobile again, to see why it was taking such a long time! It has been 2 months and I have yet to receive my refund! So T-mobile says "Oh maybe it is because they have the wrong information". I'm like, yeah duhhhhhhh they have the wrong information. I said that the first 5 times that I have called!

I reported to Citi Card that I lost my credit card. I was viewing the recent activity, confirmed to the representative that it didn't show any charges that weren't mine. She never told me that as soon as they deactivated the card, I would no longer be able to see the recent activity. I spent an hour on the phone with them refusing to provide me any form of account activity. I am going to cancel and would appreciate recommendations from other dissatisfied Citi Card customers on a card with decent customer service.

I had given same information about my financial income to other credit card companies and I was approved right away, while Citi declined my application. I just don't understand. Maybe I told the truth about my income. I was surprised and upset. Poor service and bad decision by the Citi.

This is the first time in my whole life a credit card company asking me to fax or mail them copy of my ss card and id. I have 825 FICA score. I was trying to look up my balance on computer which must had triggered something. I called and answer all the security questions and despite that they wanted copies. I was not at all comfortable sending or faxing my stuff.

I have called for the past four months (once each month) requesting Citi to STOP sending me balance transfer checks. Each time I have called the call averages 15+ minutes and I am assured that they will stop. Then approx. 3 weeks later, lo and behold, 3 envelopes of balance transfer checks arrive. I just got off the phone again with them. This time, I wasn't able to verify that they will stop because of the call transfers to people that don't speak English needing my social security number, address, phone, and mystery passwords I can't recall. So, be warned, if you have Citi you will receive balance transfer checks sent to you for now and eternity.

If you ask for a credit line increase and get manual review, they will deny you. BUT, they still will pull your credit report, adding insult to injury. I called and they say they do that as a matter of procedure. I think they just use it as an excuse to check your data.

I have been a member since 2004. Every month I pay off my balance over the phone by COMPUTER CRAP. Last time I spoke to a person, asked for the balance pay off paid i.e. 5-4-16, got a bill today for $26?? Why would I call to pay off my balance in full... IN FULL and then get a bill, WTF. I am so sick of this crap every month the same **, give me the balance so I can pay it... The balance what I owe, cancel my card, will never use you again. NO, YOU WILL NEVER USE ME AGAIN.

I have had a Citi account for 25 years. Yesterday I received a notice they closed my account due to "inactivity". I was not given any notice that my account was at risk for this (no loyalty after 25 years) - as it is easy enough for me to use the card. Initially, I thought it was a phishing email so I didn't believe it. When I inquired further, I was told my account was closed and I could open a new account (presumably under new terms). That is strange, why a new account when my 25-year-old account was just fine?

Don't use this credit card. They are inefficient and their bureaucracy will end up costing you lots of time. They sent me a new credit card, same number, with a new expiration date. Even though they sent it, they now do not recognize all the old automatic payments I set up. This will take me hours to deal with.

Have attempted to work with them since Sept. Did not receive statement. Paid the balance. They charged a late fee. I tried to close the account. Since then the late fee's keep multiplying. Asked for written response. None. Have sent 6 letters, several emails, asking for written clarification. Hearing problem. Have included all documentation. Zero response. They turned it over to collection agency. I sent all paperwork copies to them. Zero response. (We have an account with Home Depot that is paid on time monthly and is in good standing.) How we obtained a second one was when a clerk opened it because I forgot my card. Citibank should have the courtesy to respond via writing and to stop all the additional fees while this issue is unresolved. I would never, ever have a card with them or any affiliates again. Will always use my credit union from now on. They lost a good customer.

First of all I'm shocked that The Home Depot dealing with sick people/company! I went to Home Depot and applied for their credit card! (Was a stupid move, I should have done research before doing it.) Anyway they came back to me by mail saying sorry! No explanation, nothing! I called them to ask about the situation. They explained that there were too many credit report requests on my account for past year! Because of this, I registered on TransUnion and saw only 3 credit report requests for past year (including their request!!!) so I called them again but they even didn't try to negotiate. I am so disappointed with them and NEVER EVER gonna deals with them. BTW, I have a great credit score and I don't have any debt (only mortgage) so if you still considering, DO NOT apply for anything via this company. Try your luck with other companies.

I had closed my Citibank card due to their exorbitant annual fee. The account was always kept current and I had paid it off, or so I thought, but didn't realize it was still linked to an online account. A transaction had come through on that account in the meantime for a whole, mind you, $9.24. Since I thought this account was paid in full and I was no longer going to use it, I never logged back in and never say that I still owed $9.24. It wasn't until I started getting nasty phone calls from Citi's collections team that I logged in and realized what had happened.

Does anyone else think this is a security issue? Scenario - I make a payment to my Citi credit card. They hold the payment for 4 days each time even though I have never had an issue. The only way they release it is if they call my bank issuing payment and the Citi agent sits on the phone call with me while I provide the bank my security information to verify my account. This seems like a direct security issue lending itself to fraud. Very surprised Citi is making me put my confidential information at risk.

I am having account with Citibank since a year and I pay my credit card regularly. This month when I tried to pay it was throwing error and I had to chat with customer service rep and pay my credit card. Below is the way I pay my credit card. Many customers try to pay the cc online and when I was talking to rep, they are suggesting either through chat or by calling I should pay it, since why should I waste time in doing that. I am writing this review so that they will take care of such issues in future;

As a GREAT Citibank customer for over 17 years we have had a total of 8 fraudulent charges billed to our account since March 16th from vendor POSTAGE GOSHIPPO.COM (PGS) in San Francisco. We received a text asking to call them on the first 2 transactions and was told they would credit them. We asked to block this vendor, they said they couldn't.

Citi recently called me to tell me they were closing my account, due to a compromised merchant. They would not tell me who the merchant was. Then, my account alerts did not go off, probably because the new account was not activated yet. So, I didn't know I had a pending autopay that was much higher than usual. I got a return check fee, but NO email from them telling me. I then put in a manual payment and called to have the fee refunded, since it was because they did not send an alert.

I received a refund check in the mail which I almost did not open. With paperless statements, I do not get a mail from Citibank unless it is a junk mail. Recently I overpaid to the Citi so I had a negative balance in the previous month. So this gave them an opportunity to scam me under the pretense Citibank is refunding me. However, it is not a refund because they charged me first (same amount on the check) in my statement and therefore I now have go to the bank to deposit the check. They used the negative balance toward all the purchases I made so far. So what is the refund for? Other than they are hoping me to disregard the check or not making a deposit to the bank. This way they earned what is on the check. This is a scam. Beware.

I went to Citibank to get a temporary debit card, while waiting for my permanent one. The previous one had been stolen. After obtaining the card the next day every transaction was declined. I called the bank several times and was given different reasons as to why it was declining, the worse response was please wipe off the card then try again. I was furious because at the point I could withdraw from the ATM either and was at the register trying to pay for groceries. The fourth time I called back I was informed the card was cancelled because I called an hour ago to activate another debit card.

I have been with Citi now for 4 years and have both Simplicity and Thank You credit cards. On March 30th I happen to notice on my Simplicity statement that I was being billed for their Payment Safe Guard. I never asked for this service nor was I aware I was being billed for it. I called the number given for Payment Safeguard and told them to cancel it. I was told they would and was also told I would be refunded $1284.00 for past charges by them. I got a email today from Citi letting me know my request for the refund had been denied. I called both Citi and Payment Safe Guard and was told the same. I was told I had to send a letter to this Payment Safeguard and pretty much plea for my money back, money btw that they had no legal right to take.

Every year I have bought the ticket to Europe for my daughter. I always did this online on the American website. Before, I paid with Capital One, TD bank and I never had any fees. This year I paid with Citi diamond preferred mastercard. After 3 days, I found $29.42 FEE for foreign transaction. I have alerts on my iPhone, but they did not send any. For payments, they are sending 3 weeks before, but when they are supposed to inform me, there was no alerts system. When I called them they suggested me to ask SAS for that fee. The Citibank took the fee and they want somebody else paid for that!!! Never be their customer.

We are using their 2% cash back credit card. We noticed a fraudulent charge on our statement which we did not authorize. They cancelled the card and sent us a new card with a new number. Then, we were told that it would take 2-3 billing cycles to investigate the charge and post a credit to our account. What??? No other Credit Card Company operates like this. It seems that Citi hopes that you will pay the Fraudulent charges by not posting a temporary credit to your account. Their customer service reps are terrible and unresponsive. I'm done with this Company. It's not worth the grief to get an extra 1% back. I recommend staying away from this company.

I've had two accounts with CitiCard. First they closed one of my accounts. I can understand because I was struggling at the time. I paid both off. After which they decreased my credit line so now I have my current account halfway paid then without notice they closed the account. I will never use CITI for any service, credit or bank.

After spending 30-40 minutes on the phone with multiple customer service agents I finally had enough. Paid for them all in full and closed all three accounts with Citi. I told the rep I shredded the credit card and she continued to ask me for the card number. I stopped being angry and started laughing because she wasn't listening to a word I was saying. She finally hung up on me even through our dealings were not complete. I never realized how bad their customer service was until I needed to use it. I'll take my money elsewhere.

I have had a card with Citi for 10 years, and always paid in full on time. I had not used the card recently and all of a sudden I wake up with email in my inbox that the card was cancelled without warning due to inactivity. They told me to go to T&C on website - they didn't even know where this was and took time to find it - and said, "sorry, we can't do anything about it". I complained that it would be nice if they sent a letter before they were going to do something like that so we as a customer could do something about the situation. They said, "sorry there is nothing we can do except you can apply for another card or we can reopen your card but we have to do another credit check". I'm like, "uh no thanks". The disregard and lack of interest in customer care is alarming. They do not care about their customers at all or how their actions will affect your credit score, which mine is over 800 by the way. Will NOT be using Citi cards again.

My bank sent my credit card payment in Dec for January early because of the Holiday. It went through a day too early and did not credit as my January payment. I called and spoke with customer service and they assured me that it would be corrected. Two months later I am burdened with late fees, credit collection, etc. I have spoken with them three times and was finally told they can't do anything to correct it. I am now paying two payments to get this straightened out because I don't want to deal with this despicable company again. I will never do business with them again. Their customer service is most unhelpful. Actually they lied to me, and then knowing that there is something that can be done, lied to me again. Don't be fooled by their gimmicks.

Citibank notified me about fraudulent charges on my card (which was great!). These charges were in Brazil. I have never been to South America. I was told I had to complete and fax a declaration of fraudulent charges. I waited over a week to receive this form from Citibank. When I received the forms they were the incorrect forms. I called Citi, again, I waited a week for the correct forms. I submitted the forms. We are going on 45 days and the charges are still on my account. This I find ironic since Citi informed me they were fraudulent. I have spent close to 3 hours phone time on this. I would not recommend Citi bank credit cards to anyone. I currently have a American Express and Discover card. I have had these cards for 30 years and I have never had an issue with Amex or Discover. I have only received incredible customer service from American Express and Discover. Do Not get a Citi Visa Card. AWFUL CUSTOMER SERVICE!!!

I had been with CitiCard for eight years. I was on a cashback basis and I had accrued $57.23 in a cashback reward. On Feb 11,2016, I called customer service at CitiCard and told them since I had other CitiCard credit cards, that I had decided to terminate this particular card and would like a check for the amount that I had accrued. I was told that that amount was $19.50. I told customer service that my records showed that it was $57.23. She then told me that they had deducted the original amount down to the lower amount because I had not used this card recently.

I have had a problem with my Citi credit card account over the past two weeks, and I have called 6 times to 6 different representatives. None of them could understand what my problem was, nor could they help me. They lost an over $2000 payment on my credit card, however they DID get the letter I sent with the payment. How does this happen? On my most recent call, I got transferred twice and had to give my "secret password" THREE TIMES!!! ON ONE CALL! On the last person, after asking to speak with a supervisor after repeating myself over and over, they started asking me MORE questions. I just absolutely couldn't answer any more of their inane questions. Horrible customer service. I cancelled all of my accounts with them today.

If I knew back then what I know now, I would not have been sold on the idea that this company cares for its customers. I recently set up monthly automatic payments; however, I decided to manually pay my due earlier than the auto withdrawal; I didn't see any option to cancel the auto payments this month and assume that the system would pick up that payment was made earlier in the month and this will turn off the auto pay. That didn't occur and my other bank account was overdrawn, leading to $29.00 fee; I called... And had terrible service -- while the rep was nice, she did not tell me that refunding my other bank account would cost me $37.00 in my CitiCard account... And sadly, the auto payment without my knowledge or being informed, attempted to withdraw the same monthly amount a few days later, which resulted in another $29.00 overdrawn fee in my other bank account...

I had credit cards in the past with Citibank (before 2008) and they use to be pretty good. I had a 10,000 and later a 5 grand limit and paid them off in full, then closed (before I knew that it would hurt my credit worthiness). In 2013 I opened up a 2500 limit card approved online, then they lowered it to 1500 with some lame excuse and they also blocked any cash advance. Hmmm, interesting. Never happened before nor had I given them any reason to distrust me. I paid my bill every month, no problem. They did a credit pull and lowered my limit to 1000 after paying my card in full... WTH said my credit report was lower. What does that have to do with my paying on time every month? BTW my credit report has since been CORRECTED! Now when they lowered my limit my score went down as well.

Horrible service. CitiCard offer you total protection, but they don't have staff to take your call and open the dispute! How about that, isn't that ridiculous!? Be advised: stay out of this crap! Even small companies when starting have better customer service. Even worse: people take your time to get all information then says there's a high call volume but is it our problem? Why they offer customer service? To make you trying again and again and again..? At least other cc administrators take notes and open your dispute when they have time. What these guys think they are?

After filing a merchant dispute, I was given a credit right away, that's good! But when this fraud company/merchant said they won't refund me my money, Citi reversed the credit, without even asking for clarification. They sided with the merchant who was always wrong.

Have had a Citibank Credit card since 1986, along with absolutely stellar credit. Never been late with a payment, never had any problems. Along comes 2009, and the banking crisis; suddenly Citibank jacks up my APR from 12.49% (already way too high) to 19.something%. When I call to find out why, they tell me they're changing the terms of my credit card. They want me to agree to those changes, but they can't tell me exactly what those changes are. Are they nuts??

I opened an account with Citi in July of 2014 through Credit Karma. It was opened to do a balance transfer no interest for 18 months. They opened my account and things went fine until June of 2015. I got a letter stating they were decreasing my line of credit by $6,180. This was due to negative information being reported on my Equifax Credit Report. I got a copy of my report from Credit Karma no negative information was on the report. I called Citi they referred me back to Equifax. By Citi decreasing my line of credit my FICO did drop. I called Citi many times to tell them there was no negative information on my report. They were not changing my line back to the original amount. I just dropped it.

We had an account of 12 years, in good standing, not 1 late payment. WE always paid off the full balance monthly. Then out of the blue they cancel our account, refuse to give us any explanation. We just paid the 95 dollar card fee in November. We can't even talk to them over the phone.

I've never felt the need to praise a bank card issuer, particularly Citibank. In fact, I had canceled the basic American Airlines AAdvantage card issued by Citibank two years ago, because of poor customer service. On a flight from Washington, DC to Orlando, a flight attendant offered an application for the Platinum AAdvantage card that came with 40,000 bonus miles. Yes, the annual fee is $95, but that was waived the first year.

Card member since 2003. Never lost card. No late payments. Early fraud system - extremely annoying. 2X in 1 wk online purchases with card declined because purchases found to be unusual & suspicious activity. Declined $66 purchase on Amazon Prime - password protected site, for chocolate covered peppermint sticks. The other purchase was $107 charge for a wedding gift that never went through because items were the last available. Citibank=Scrooge.

I paid off my credit card through Citibank in August of 2015 after calling and getting the balance. Three months later I get a phone call telling me I owe interest on late fees. I said that isn't possible because I paid off the card. They said they could see where I paid off the balance and clearly that was my intent, but that the interest for that billing cycle was not available to their agent at the time I called. I said I was happy to pay whatever interest would have been due up to that payoff but no other interest or late fees. They told me they could only remove one late fee because that is their policy.

I called in August to make a payment on my husband's account. I am not on the account. I verified his personal info, they told me that I was not liable for the debt and that the call may be recorded. The girl suggested auto pay and said I could manage it online. I said ok (remember, I'm not on the account). I tried creating an online account, it kept asking for a card expiration. I called my husband, he looked at it and said there was not an expiration date. Because of that, we couldn't create that account. I called in September to change payment amount and told them we wanted the auto pay canceled due to not being able to manage it. I got the speech and disclosures and was told that it would be canceled (again, I verified my husbands information in order to obtain account access).

I applied for a Citi American Airlines Advantage card offer for 50,000 miles after charging $3000 in the first 3 months. Asked agent to verify that I was eligible for offer when I called to activate credit card. Agent verified that I was eligible. I was concerned because I had closed a Citi account 6-months prior. Spent $5K in 3 months and planned to spend more. Did not see miles post. Emailed then phoned in and the Citi agent said I did NOT qualify because I had closed an acct in prior 18-months.

Stay away from applying with Citi Credit Cards, my experience was horrible. I had applied for a Citi Credit Card about a week ago from an email I received from Citi because I provided my info on the Citi website along with my score for further details regarding a Credit Card. Within the email, was a promotion with a nice credit amount that would apply since I provided info on my score; I have great credit. After finalizing my application, I received a message stating that my application will be reviewed and I shall receive further details within a couple of days by email.

Citibank offered a balance transfer at a low rate. The problem was they called this a promotional balance and when I wanted to pay on my promotional balance, they told me all non promotional balances had to be paid off first. What good is a low rate on a balance transfer if you cannot make any payments on it? I closed that card because I told customer service that I was not going to use it again until the balance transfers were paid off so there was no sense having a card if I couldn't use it. If there was a promotional balance still due after the promotion period ended, it would revert to the current interest rate of the card. They of course assured that the information was listed, I must not have read the entire offer. Seriously, the fine print. Obviously my mistake.

Usually a big fan of Citi cards. But you guys really made me feel unprotected as a customer when I disputed a transaction and you guys advised me that there is nothing you can do. Really frustrated. But hoping you can help. Ready to stay to a loyal customer but only if you make it right! Don't want to close my account after all these years.

After being a loyal customer for many years and never having a late payment, this month I had a personal emergency on the day my payment was due. I paid the next day at 4am and immediately sent them a message saying they would see from my history that I am never late and if they would please consider waiving a late fee I would be appreciative. They responded that no fee had yet been assessed and to check back if it was. Today, the fee has been assessed so I responded back again. Their response was that the fee was valid and therefore would not be removed.

I've had a Citibank Visa since '92. I got the card for Citimiles. After a few years was discontinued. A while back I used Citibank visa to receive a FREE sample of a weight loss drug. The weight loss drug turned out to be a capsule full of herbs, and I forgot to cancel, so I received a 90 day supply for $300. Then I canceled. Later misc charges, $45 - weight loss consultant; $25 exercise class, etc. now I owed $600+. Customer service was very nice, but nothing happened.

Sigh, really? I bought airplane tickets from Expedia, and the site offered a $100 discount if I opened a Citi card. The $100 discount came through, but then a month later a fee of $95. Now let's see. I lost $10 in points by not using my regular card. So I am $5 dollar down on this one. Problem though is that the $95 fee was not upfront with the offer. Bait and switch. Lesson leaned. Avoid Citi.

My husband has had a very high balanced credit card with Citibank for 15 years, we don't use it often, however due to circumstances, we have had to resort to using it. I was late ONCE making my payment, within 30 days, and they increase the interest rate to 29.99%!!! This is insane. My payment on this card a month right now is $700!!! Then they have the audacity to send a letter in the mail that "they care" about their customers and to contact them to discuss the account! I can see jacking rates up if we were habitually late on our payments, but one late payment and with a $25,000 credit card, obviously good credit, why would you do this to someone. Will never use this card again once it's paid off, you all should be ashamed!

They called my cell and then my husband's cell which used to be our home phone. They reached him and spoke to him about my card and that I owe $. He is not on my account and is not an authorized user, so no one should have said anything to him! I am furious about it! I called Citi, paid the amount due, asked them to remove his number and talked to a manager, who transferred me to someone that was supposed to help me get a new card. I never received the card in the mail, my other one expired in August. Well, I talked to this new person, and conveniently got disconnected. Now what? Call back and re-explain this whole situation again? I am so over this place!

I hit the link beside the pre-sale tickets button on the concert website to apply for a Citi Card to get in on pre-sale concert tickets for Citi only cardholders. This was 24 hours before the start of the pre-sale. You need the first 6 digits of your Citi Card to access the pre-sale AND you need to purchase the tickets with the same card. So, I called Citi to get the full card number so that I could proceed with the pre-sale purchase. Citi said it would take 48 hours before they could access my full account number.

I am currently a service member who has to have a Citibank Government Travel Card. I went on TDY and it took my unit a long time to pay Citibank approximately $3,000. I began to get called by Citibank about three times a day almost everyday telling me I was liable for the money. They told me I had to schedule two automatic payments for about $1,600 each or I would be reported to the Credit Bureau. So I called Citibank and they told me if they received the money from my unit, then they wouldn't take the first payment. My unit made the payment and overpaid Citi $700. Citibank still took the $1,600 and when I called to ask why they said it was my responsibility to call and cancel the payment.

I closed the account due to the fact that their customer service was horrible. When that happened I asked the agent if I can still redeem my rewards points. He said "you have 90 days." Next day all my points were not available, I am being transferred from an agent to another, talked to 4 different agents. Horrible, plus they are notorious for charging fees on top of other fees like crazy.

Opened a Best Buy credit card through Citibank at the store. They took the rewards card that my husband had and tied it to the account. That's the beginning of the issue. Citibank then updated my credit card info with my husband's name from the rewards card...That was totally wrong (name spelling to an incorrect address). I never received a bill or credit card. My husband had my credit card reported against his credit which messed up his credit. I was able to get to Citibank through my ssn and the last 4 of the number of credit card of the receipt from our purchase. They apologized but said they couldn't do much.

After being a Citibank customer for 30 years they without noticed closed my credit card which was in good standing due to inactivity. This has adversely affected my credit score just as I was getting ready to purchase a new car. Citibank said they were sorry but because the card hadn't been used they closed it and it is not their policy to send a letter ahead of time informing you of it. They actually said they realize it affects credit scores but there is nothing they can do. DO NOT BANK WITH THEM. The customer service is horrible.

After being loyal customers to this company for over 20+ they screwed us so badly that our credit scores dropped 100 points. We have $50k limit on our cards yet when we hit 300, they call us asking for a $90 payment. Run from these people, run!

I applied for Citi credit card. They kept me waiting for 1.5 months and still they told me I should send them a proof of my address. It's ridiculous. I have had 11 credit cards from Discover to Bank of America, to Wells Fargo. I never had any problem. I have heard that this bank is crazy and my friends kept telling me CITI is awful in all aspects. Now I believe them. NEVER trust them neither for the time of approval nor rewards they offer. They are totally lies and wrong. Ask your friends.

I had CITI credit card and bought flight tickets and then I have to cancel the ticket and re booked new ticked because of illness. Then doesn't cover and any travel changes. They such a disgusting and ridiculous reasons. Citibank customer service such a **. If you call them almost take 1 hour waiting. Suggestion: DON'T TRUST ON CITIBANK CREDIT CARD BENEFITS.

I have called customer service regarding foreign transaction fee on my AA advantage credit card. Supervisor named Scottie from Jacksonville, FL lied to me that there is no record of calling Citibank regarding foreign transaction fee on my account then when I told him "why you lied" then he changed his story. Time of call - 5:55 to 5:58 pm 09/16/2015. If anyone reviewing this post then please review my conversation and fire Scottie for his dishonest behavior and lying to me. I would not do business with Citibank with this kind of employee working there. Today they lied to me regarding foreign transaction fee, tomorrow they will take my money and runaway or take money and lie to people that they have withdrawn from account.

My balance was $2800. I paid $500, still $2500 due. No late payments or anything. Not to mention I didn't use all this money because Citibank didn't help me with my dispute. Stupidest bank ever!

I had a problem with Citi on-line payment processing. They were quick to take the money out of my bank account but 3 days later they still have not posted to my CC account. Monday I went online and make a payment, Tuesday money came out of my bank, Thursday still no posting on my card. I tried online chat, but Neil's computer tells him I did not make the payment today, when I know it was done Monday. Also, the online chat staff does not have a supervisor. Imagine that, no supervision in the Citi Simplicity online area. Wish I had a job like that.

I am holding a clear Visa card (supplementary card holder) with 4 digit **. I called 04-2960000 this afternoon at 1714hrs as I need to authorized a cord blood stem cell company to proceed with an amount of RM 5900. And it require the credit card mailing address to be filled. Myself and husband has migrated to overseas more than 10 years and can't recall the mailing address. And my husband are engage with a project and I am back to Malaysia for my 2nd child delivery and expecting this two days going to due.

I open a secure card card account with Citibank back in 2010. I open the account with $300 as a deposit because I could not make payments they put my account on collections. I called Citibank trying to get this account disputed out of my credit report, and they would not do it. I ask them what is going to happen with the deposit money that I put in when I open the account. They told me "We do not know what happen to the money. All we know is that you have a balance of $280. Do you want to make a payment arrangement?" I try to see if could solve it and they would not listen or try to help me out. Can anybody help me with this situation?

Citibank services all Home Depot accounts both commercial and personal doing the same awful, inconsiderate disservice to both. Citi is far more concerned with collecting nickel and dime fees than it is with keeping customers, resolving issues or admitting error. While Home Depot's bottom line may currently be enhance with Citi carrying 0% interest account for 12-24 months, the long term damage Citi does to Home Depot's customer base has to add up over time. I've never in 40 years of carrying credit cards had such poor non-caring attitude as that displayed by Citibank.

I applied credit card in Citibank. They came for verification. Till they are not collecting my ID proofs... I contacted them more than 10 times. But still there is no response...

I opened my Citi AAdvantage Platinum Select credit card back in April with the offer of 50,000 American Airlines bonus miles after spending $3000 within 3 months. I've spent almost $6000 since then with that credit card, but they did not apply the bonus miles to my account. I called them regarding this issue and they said I've spent only $2975 since I opened my account! I argued that I did not start spending immediately since I'd received my card almost a month after I activated my account and they should take into account this delay in the time span calculation. They did not accept my argument and I closed my account right away. It was a really negative experience...

I applied for a Citi American Airlines Advantage card for free checked bags and an offer for 50,000 miles after charging $3000 in the first few months. On my next AA flight I was charged for baggage. To their credit, when I called, they refunded the baggage fee. I met the $3000 requirement, so I asked about the miles. The customer service agent said to check back after another billing cycle. Another cycle goes by, I call again and the agent told me to check back. After explaining I had already waited, he checked further and told me I wasn't eligible for the miles because I had cancelled a credit card over a year ago (It must have been with USAIR). I asked why they specifically emailed me with the offer? Anyway, they didn't honor it. And I could have used my fabulous Delta Miles American Express card and received Delta miles. Two worst airlines - AA and USAIR combine with a terrible credit card company - Citi. Avoid them all.

Back in Feb 2015, I discovered 2 fraudulent charges on my Citi VISA CC. I called them immediately to have this card cancelled, and get a new card issued. Two days later, I discovered another two identical charges on this same card, so I called Citi again to find out what was going on. They indicated that it could take several days for them to put a hold on the card, and to not worry about the additional charges. I told them that I had about $18,000 in fraudulent charges now on this CC, and that they had better not expect payment on these in the current or next payment cycle (the two separate incidents spanned a billing cycle). They indicated I would not be responsible for the charges, so everything appeared to be fine.

My wife passed away in November 2014. My daughter and I notified this company of the death and since I was on the card as a signer they left the account open that we had for many years together. I continued to pay the bill with my checking account and only my name on the checks. Nine months later after I called about the password that they were asking for I was told that they now had to close the account due to my wife' death. As a senior that always paid the bill with my name on the account and the checks that paid the bill I was horrified that this can happen to anyone .

After receiving the credit card through Citibank I was the registered user with my mom. Well after staying in a hotel and using the card I tried to take out 500$ out of the ATM. Looks like that's a no no since I needed my mom to be there. Now the card is declined and I'm on vacation and put the card on the hotel. So the card with get declined now for the hotel and I have to get my mother to call in, just because I tried to get money from atm. I'm a registered user of the card but they said they need to verify that with my mom which I did!!! How else do you think I can get the card activated in the first place??? But the lady in fraud dept. said, "There is no record of that. Which is a total lie. I was right there with my mother on the phone when we go the card and activated it. Citibank really needs to step up their customer service. We will be cancelling this card as soon as I get back from vacation.

I received an inheritance and have been paying off all debts. I worked with USAA, Wells Fargo, Sears, American Express and Citi. Citi was the only one I've had who refused to give me a payoff balance as of today. Their policy is for my account to continue to accrue interest until the end of the statement period, even though I have paid it off! I realize it is not much, but the principle of the issue infuriates me. I plan to close this account and never give them a penny more than I have to.

I have had my MasterCard with Citi since 2003. For many years that was the only card I used until I realized a couple years ago there were other credit card companies that offered better rewards programs. Recently I decided to check the balance of my cash reward and to request a check for the balance since I rarely use this card and didn't want to forget about the remaining balance. I had a balance of $40 remaining so I called Citi Customer Service to request a redemption. The Citi representative told me that I would not be able to redeem the balance since I had not reached the $50 minimum redemption requirement. So I said I would close the account and asked for the balance to be redeemed. Citi told me that if I closed the account I would forfeit the reward balance.

Citicards stated a soft inquiry would be pulled for increase credit card line but a hard inquiry was pulled instead. They lied to a long time customer. On July 22, I request for a credit line increase on my existing credit card and specifically asked if a hard inquiry would be pulled from the credit bureau. I was told by the representative not to worry because only a soft inquiry would be pulled. I specifically asked this question because if a hard inquiry was required then I didn't want to get the increase. I had a notification on July 27 that a hard inquiry was pulled by Citicards. I contacted them and was told the representative should not have stated a soft inquiry. However, this was their error in misinforming me especially when I specifically asked the question. I am requesting the hard inquiry be changed to a soft increase and they agree to their word.

Someone is applying under my name and SS # for credit cards. Citi open Best Buy card which was charged as well and now they said I am being responsible. I was not even in town. I had warning on my credit report asking creditors to verify with me before issuing any credit and it was not even taken in consideration. Walmart discover and Target all received application at same time and only Discover called to verify. I am so upset and angry. Unbelievable. Do not know what to do. Disputed with credit bureau and they came back saying info is correct.

I had their card for over a year - always have been over paid on my payment. Then I send a good chunk to pay it down. I was in the middle of buying a house so my credit was being ran. Then shortly after I bought a new car. So in return my score dropped very little. I get a letter in the mail that they are cutting my limit down so now it shows my credit card maxed out. Which will even hurt your credit more for credit utilization. I still have good credit but now if I go to a bank or something it looks like I am using way too much credit.

I recently purchase a car stereo and registered for the Citi Price Rewind. The difference was $71.00 which I requested to be credited back to my account. But I got a letter telling me my purchase didn't qualify. Every time I use the rewind program they will find some reason not to pay me the difference. I am angry over this and I'm thinking of canceling my card.

I have had a Shell card for 31 years. All of a sudden I stopped getting online bills. I received no emails from them, they said they called me. Yeah they called everyday for months. Every time I called them back it said to put in my Citibank account number. I don't have any Citibank accounts. On the second month of phone messages everyday I finally kept pushing buttons until I got a person. They informed me my account for my Citi/Shell account was overdue. HUH? I never received a bill. I never received an email. I asked why they didn't send me my bill through email like they had been. They were going to reset my account so I could start getting my bills again. Never did. Still never received anything from them.

Home Depot card loyal customer for years. Missed a payment (Single disabled mom on disability). Paid minimum plus some to make up the late fee. Minimum payment raised. Couldn't make that increased amount payment so I just started paying whatever money I could raise. Late fees added to make my balance go over the limit and thus charged 29%. Citibank will not work with me other than turning me over to a help program. I am sure this will cause a mark against any credit score in the future. I have been through hell trying to start my life after my husband left and my illness progresses.

I noticed a few foreign transaction fees. I never use this card internationally so I went through all my purchases and found 4 charges in Canada (card swiped, not internet purchase). I was not in Canada, had been making purchases in NY and never used this card internationally so most credit card companies would have picked up on this. CitiCard did not pick up on it at all. After I alerted them, they reimbursed two charges but then said because there were so many charges, they had to investigate further and I had to call them.

Citi does not care anything about you. Loyal customer for years and was a day late on a payment (my mistake I know) and they increased my interest rate to 30%...I will never use them again.

This credit card doesn't show FTF online and it only posts them when monthly statement comes out. If you call customer service (CSR) they can provide this info. but it's not good enough as I have to file expense report with my company within 30 days and they need receipt of charges within that time frame. Other credit card companies will post FTF as soon as transaction details are completed. Brought this to Citibank CSR ** on 9/29/14 and again today with another CSR but of no point. CSR can see FTF at their end and were surprised end-user can't see that so Citibank online support was consulted but they don't take customer feedback seriously. Please help as FTF is common transaction for international travelers like me. Thank you!

My attorney contacted CITI card concerning a disputed item on my bill. They have added $20,000 interest to an original amount of $2700 of undelivered merchandise. Countless times they agreed to remove this from my credit report, but it still remains, causing serious damage to my credit report.

Just received a letter in the mail stating that one of my accounts with CitiBank had been closed. Called the 800 number to see what the possibilities were to get it re-opened. My account had been closed due to the length of time the card was "inactive". Personally I have multiple credit cards, in fact until about a half hour ago 2 of them were with Citi, so I kept both Citi cards for emergencies. The customer service rep told me that it was in fact possible to re-open the card. So we start that process, only for me to find out that they wanted to run my credit, again, before "re-opening" the card. To me, that sounds like you are opening a NEW card. When I advised her that I was not interested in having my credit run, due to the fact that I think it is an unnecessary run of my credit and would cause my score to go down due to the number of "hard inquiries" she informed me that there was no way around this procedure and it was the only way to "re-open" my card.

Things you hate to hear on a support call "Due to heavy call volume we have a longer wait time than usual," which means "We only have 2 people answering phones or we have a lot of people calling with problems." Don't want to deal with a company with a lot of problems. Sorry we don't do customer service, you see I am off on Sunday - had a computer issue with your website - ooops no Sunday service.. Keep up that great support. Lastly the times that I did get thru to support had extremely difficult time understanding agent. That interview must have been very interesting your comment ending the interview you would be great for this job. For this kind of service EXECS keep pulling in the BIG MONEY.

I am a Canadian citizen living in Mississauga and can be reached on **. I hold a reloadable prepaid card of the above organization. On 30th May, 2015 I had $905 dollars in my account when I tried to withdraw $900. The card was declined. As I had to pay a bill in cash, I frantically tried various amounts like 880, 800, 500 and 480 etc... All were declined. I decided to give it some time and repeated the same on 03rd June, 2015. The results were the same. Although I had funds, I was getting declined. I called card services to report my problem. The representative asked me what option I choose from chequing, savings and credit to withdraw funds from my prepaid card. She said the option I was choosing was wrong and was probably the reason for being declined. I tried different options with no success. I called card services again to report the matter. This Representative identified the problem as the daily limit on my card being $420.

Applied for an AA Citi card for 50,000 miles and was approved. Spent over the $3,000 within 3 months. When the miles aren't posted, I call and they tell me that I didn't qualify bc there is a new rule that if you receive miles within 1.5 yrs, you don't qualify. Never got a letter, email, or call letting me know. FALSE ADVERTISING!!

I recently went into Citibank to pay off my credit card $96.71. I really don't carry checks with me anymore so I made sure I had the cash. When my turn was up the teller ask how she could help me and I said bill payment and proceeded to hand her my bill stub and my cash. She said it required my Id. I thought a bit weird but okay. Then she said she would also need my social security number and my occupation. Now at this point I'm getting upset, my civil rights are being taken away and they won't take my payment. Mind you I have been a customer for 17 years with no late payments. What is happening to us?

Best Buy had some promotions regarding Sony 3D TV which I was interested around 2012/2013. Best Buy told me I was eligible for a credit card and I could buy the TV with no interest rate. I've been since paying monthly minimum payment usually 27th of every month. In 2014 my Best Buy credit card started applying late fee on my account. When I called best buy credit card they stated that the bank has been changed to CitiCard and due to which my monthly payment date has been changed with no prior notification. Well I continued with my online monthly payment with a balance rounding up to $1300.

They stop mailing statement without informing the consumer, so they can charge you bogus late fees. I have a very great credit score because I pay my bills and gets me upset when they tell me I'm late because I never received my statement to pay them. First I took their word for it but then it happened 2 more times. Citibank is a terrible non friendly bank and I will not only stop using them - I'm also going to STOP going to HOME DEPOT because of it. Lowe's is a much better company.

I recently settled my balance with Citi and the balance was paid. We were trying to sell our house and our mortgage lender requested a letter from Citi stating that the balance was settled. I called on April 10th, spoke to a rep that said she would get a letter out to me. I called back on April 21st when I hadn't received anything. I spoke to another representative that stated they are not allowed to send letters like that. I requested to speak to his manager, who agreed to send a letter. I asked if they could fax it and he stated he was unable to, but the letter would arrive in 7 to 10 business days.

Need a faster, easier user experience to find balance on card. I was unable to find balance by texting or looking on Citi site. What a waste of time! Argh.

I had a Citicard/Aadvantage card. There was a promotion wherein charging $600 to the card over a specified period would earn two day-passes to American Airline's Admiral Club. I made the required purchases and waited a couple of months to receive my passes. I contacted Citicard and the response was that I had not made the minimum purchases. I pointed out that it was not for the current promotion, but the previous promotion in July 2014. They promised to send the passes in 8-10 weeks.

I have a job with a government clearance and can lose it over negative credit reporting. I have had a Home Depot credit card for almost 10 years. The first thing I did when I got the card was set up my account online, and enrolled in AUTO PAY because I cannot afford to be reported as missing payments, nor can my household afford to be wasting money needed for my sick child's medical treatments on late fees. I always pay the balance off at the end of the month, and have never been late on a payment before. Nov 2014 I made an online purchase using the card out of convenience. Something happened and the Auto Pay on the account did not occur.

I have had an acct. with Citibank for years. Recently I fell ill and was 3 days late on a payment. They contacted me & I paid them on the spot. In the meantime they had sent me a balance transfer offer that I had used & mailed the check already to another creditor. I called Citibank the next day to pay my acct. in full before the balance transfer took place (I wanted to start the transferred amount with a zero balance on my card). All of this took place in a 3-day time span. When I called to pay my balance off they informed me that I only had an open credit of $1000.00! I was shocked, as I had much larger credit line and had already mailed the offer check out. When I asked why my limit had been lowered by thousand of dollars there was no real answer & I inquired about them covering the transfer check. I was told to call the company that I sent it to and ask them not to cash it! I was so upset and have never been treated like this before.

My father and I called their fraud department about unauthorized charges on his credit card and the lady by the name of ** was extremely rude and nasty to us as my father doesn't speak English and she was discriminating against him and didn't help and hanged up.

I had Citicards decades ago, was very unsatisfied, and in the past few years decided to give the Saudi-owned corporation another chance. Other than receiving promotional incentives it's been a failure. After EBAY had a gift card I purchased coded as a cash advance and Citi charged me fees and interest for it, a supervisor would not allow me to file an investigation because the gift card was received by the person it was given to as a present. My reason for wanting an investigation is based on the false advertising and incorrect coding, but Citi dropped the ball again and will not even try to get the issue resolved. Citi told me that I had to work out the problem with EBAY on my own. Hey Citi, "Adios, Sayonara, good riddance!!!

Well Citibank bought the best buy credit card accounts from Capital One, about or around the same time I had 15 different credit card accounts all with different due dates. I finally got smart and called each credit card co. and changed all my due dates to the 15 of the month, therefore I could pay each one thru my bill pay option on my checking account and not have to monitor when each card is due each month. All of my credit cards did exactly what I had requested, guess what... yep, except Best Buy Mastercard by Citibank.

We have been CitiGold customers for over 10 years and the bank leveraged our visits to sell citi Dividend card which we rarely use. We pay our bills on time via smartphone because we just transfer from our bank account. Once we looked through the account details because there was a charge soon after the payment was done. Upon looking deeper there were several charges and late fees so we first used chat to resolve the issue with no luck then we were asked to call in so we did, spent over an hour still they refused to revert even the most recent charge because there were more such charges but we saw it for the first time and they did not matter to them. In summary poor customer service so we pulled the card out of our wallet so we don't accidentally use it and get hit by several charges.

I booked a hotel room and the merchant charged my credit card twice for the stay. Citi Mastercard did not try to get the double charge back for me and although I called Citi multiple time and provided all the information they needed, they never followed through and now say it is too late to get the money back from the merchant. I have worked on this for months and will not pay for the charge twice.

I've been using a citi credit card for a few years now. I have had no issues with customer service or anything of that nature. However, I'm thinking of canceling the card due to their frequent website issues. It is nearly impossible to do anything other than log on. I can't activate my new card, change my contact preferences or change my password without getting some sort of error message due to a "high volume of traffic". This happens every single time I access the site no matter the day or time. It is extremely unacceptable and i don't have this issue with any other credit card company.

Citi Diamond Preffered Card - Absolutely Horrible. I have been a Citibank member for 8 years now. All was good with the card, but last year Citibank based on credit review of two other accounts which were closed a year ago, decided to reduce my credit limit. Reducing available credit limit in turn increases your credit utilisation and negatively impacts your credit History. It is a circular trap where they reviewed history of a defunct account and in turn decided how to make things more difficult for a long time customer. When I contacted Citibank, they were absolutely unwilling to help. I am going to clear this card and never do any business with citibank again. Absolutely horrible service provider. I will recommend everyone to stay away from citi.

In beginning of 2014 I applied for balance transfer on a credit card. 3 months later I moved addresses. I called Citibank to inform them of my new address details on 09/08/2014. I also asked the operator to link my 2 internet banking profiles into 1 and to reset it as it's been blocked. The banker said he has put escalation for profiles to take place, and confirmed he has updated my new contact details. 3 weeks later I called to inquire about internet banking, been advised still being investigated. Received a call 3 days later saying my credit card is overdue. I asked for my address details, which was not updated from time I first called.

I have been using Citi bank credit card for a year now and regret to say about the shabby piece of service Citibank offers. Unlike many other banks, they don't care to inform customers about a reach of deadline. Most of the times you experience their website is down. Why the hell in this world your website requires downtime for like more than thrice a week? To comment upon their user-interface experience, it’s pathetic. Their rewards on amount you spent is almost nothing. So very finicky about credit limits. Poor customer service. All in all a bad choice I made to rely on citi.

Last year, I contacted them to let them know I was traveling but did not want an auto pay to stop while I was gone. Apparently the moron typed in the wrong info, the card was reported as stolen that very call, my auto pays stopped and I was down one card while traveling. My boat storage place was confused and luckily cut me some slack, but Citibank did not help my credit. This year, same sort of thing, I called to report travel. They called a day or so later to confirm I had called. While on the trip the card was denied, and when I got home was a message to call them about fraud. The issue was they had not been able to reach me to confirm it was I who had reported travel. How disorganized and with stupid employees must one be to continually make the same stupid mistakes.

We have been customers with Sears CitiCard since 1994 & we missed ONE payment last month. When I checked my credit score, the late payment was on it! I called & closed our account asap. They kept trying to change our minds. No apologies and no loyalty to long term customers. Never again with vengeful greedy Citibank.

Citibank issued me a debit/credit card with an invalid cvc code. The credit feature on the card doesn't work. Every transaction I make at a retailer results in a decline notice. I've called citibank about this problem and all they do is issue me a new card. Each time I get a new card I get the same result. They have issued me 6 cards and all the cards have invalid cvc codes. They can not fix the cvc code problem they are having. I pay very high banking fees and use the credit feature to pay important bills. I'm constantly getting declined. I call customer service just to hear that the cvc code on my card does not match the cvc code that's in their system. They promise to send me a new card with a cvc code that corresponds with their system, but still no success.

I canceled the account but apparently I had a balance of $10 that I thought were taken care of when I cancelled the account. My mother died and I had to travel over 1k miles. Citi kept calling me on my cell phone even on Sundays with an automated service that didn't have an option to talk to a human being so I could take care of the matter and they just kept calling me.

I had recently been approved for a CitiCard offering a zero percent APR for balance Transfers. I was approved for $4K limit and transferred a few other higher APR cards to the account. After about 6 months and my paying down the card to approximately 50% of what I originally owed, I got a letter that they were lowering my credit limit to what I owed. By doing this without any warning or discussion, what I was trying to accomplish (increasing my FICO score) CitiCard blew for me in a key stroke. FICO score plummeted as relationship of credit owed to the limit on the card is a key component for a good score.

I settled my credit card debt with Citi on 12/29/2014. I clearly remember the representative telling me that I will receive a 1099 for the settlement. I called the "Recovery Department" 03/09/2015 and talked to a representative named **. She was very rude and did not answered my question. I asked if they can fax me the 1099 or send me the copy. Only thing she said was, "we don't know when we are going to send it to you. We have not mailed one out yet and I don't know if you are going to receive it or not." I asked for the reason and only thing she said was "there is no specific reason." When I asked to talk to the supervisor, she put me on hold for 2-3 minutes and came back and said, "you're account was closed 01/22/2015 and you will receive the 1099 next year for this year."

If you are not using Microsoft Internet Explorer don't even try using their website, it won't work. If you're used to being able to set email or text notifications (Online charge, Payment due, etc) you can't at Citi. So I don't own anything with Windows, I can't view statements, they won't mail them and even if I borrow a Windows machine I can't setup notifications to make me aware of anything. It says one star but it won't let you say zero stars.

I was hung up on by a Citicard customer service rep because she could not give me an answer to my question and found it to be easier to cut the line than to try to help me! My chief complaint was that I received a "pre-approved" letter in the mail, and after looking into in further decided to go ahead and take the offer. After applying online, the immediate decision was that I was denied. Later, I received a notice that my credit score had lost 8 points because of 2 hard inquiries on my report - BOTH from Citi! They hit my score twice in the same evening! 2 different inquiries minutes apart, 4 points each time. So, I VERY CALMLY called to ask why I received a "pre-approval" letter only to be denied and lose valuable points and the lady told me that the "pre-approval" was NOT meant to mean that I was pre-approved FOR a card, but that I was "pre-approved" to APPLY FOR ONE! Oh yes, she said THAT!

I have spoken with them on Four occasions and begged for a lower rate. My other banks helped. My BOA did a loan modification on my house. One bank wrote off my debt because of a failed business, for reasons beyond my control. I had major hardship with the care of my 99 yr. old mother and a son with health issues. If I sent $116 each mth, $60 would go toward interest. I have been a Sears customer for 40 years. Please let folks know abt. these people.

I recently got my ExxonMobile Card. Most companies give at least a 2-3 days grace period. Everyone who I pay bills do. Then, I am 2 days late for a payment. They charge me a 25.00 late fee. I was not made aware of this. I had to call and find out. The old saying of "Always read the fine print!" Why is this rule being applied to me when every other Payee grants me a grace period? I thank them very much for accepting me on their credit card plan. But to charge a person 25.00 for even being late just one day is like raising the monthly interest rate that is due with each monthly bill. Those types of business practices are wrong. I just say a 3 day grace period, not a gun held to my head that I pay exact day due.

I was late on a payment (in full) on charge account... Charged a late fee... Never received a bill for that month. Called and explained circumstances... Individual I talked to said 35 $ fee would be reversed. When next bill arrived... Fee had not been reversed. Called again... Individual checked and said fee would not be reversed now. I paid off the bill, in full, with the exception of the 35 $ fee... And wrote a letter asking to close my account due to this misrepresentation. Account was closed and letter sent that I still owed the fee. I have not and will not pay the fee. CitiCard has responded by adding late fees each month and finance fees...

I went to Best Buy in San Diego CA to purchase a new iPhone and computer. The sales rep offered a Best Buy credit card which I was approved for. I called the 800 number on the credit card pamphlet the following day and asked for my card to be sent to my PO Box rather than to my home address. The Citibank rep took my info and said it should arrive in about 7 days.

In August 2014, I ordered payment from my chase account to my relative's att universal card that has been serviced by citibank. Payment was mistakenly paid to my husband's citibank preferred dividend card. I double checked and I had an accurate payment order for my relative's att universal credit card. I called and spent so much time with customer service to get it resolved. It was cleared. My husband, who was disappointed with citibank's mistake ordered for closure of his citi preferred dividend card. Confirmation of closure dd. 8/28/14. Then on Oct. 27, 2014, I ordered another payment for my relative's credit card in the amount of $2.74. The payment, again, went into my husband's citicard (worse, this account had been closed in August). We found out that the payment went in his account because we got mail from Citibank indicating $2.74 credit.

I have had this credit card for one month. I use it to shop for my restaurant and I have had about 4 declined transactions so far. The reason is that they put a hold on my payments that last for about a week in which period, you can't use the credit card. The payments are electronic and they subtract them from my banking account in 24 hours. Customer service is horrendous. In one instance I had to hang up because they transferred me and put me on hold forever. This is not a customer service oriented company. You can do without it.

The plasma donation center I participate with uses Citi Prepaid Services for donor payments. I typically carry a balance of around $30 on the card, using it for groceries or dining out on occasion. I tried to purchase a sandwich at a Subway kiosk in a Loaf 'N Jug convenience store. My card had a balance of $35 and the sandwich was $7.94. The card was declined and the clerk tried to swipe it again. Again it was declined. I paid for the sandwich with my checking debit card and went on my way. Four days later, I checked my Citi Prepaid Services account to find they had charged my card $0.75 for each time the clerk tried to swipe my card.

I'm angry, but I'm going to say I'm just "Dissatisfied" because I've been a long-time CitiBank customer and up until this time, I've had wonderful experiences with them. (American Express is still hands down the best customer service around, but I digress.) I attempted to buy tickets recently via Ticketmaster (never again) to a show. Citi Bank immediately threw up a fraud alert because the website claimed my CVV number was wrong, even though I was looking right at my current, up to date card. I thought I put the address in wrong, but apparently not. Now I have six, yes, SIX pending charges on my Citi Card for over $800.00.

They do not tell you about the hidden fees. It costs more money to use it than what it's worth. We have this at our plasma center and it's horrible. We don't get the amount we're supposed to everytime. This card needs to be shut down. It's a scam. A lot of times they double charge you when you order online and it takes days for charges to drop off especially when you need your money. They don't care.

Although I give Citi a lot of thanks for being the first issuer ever to extend me a credit card to help me build my credit history, the actions they decided to take against me have been utterly appalling. I applied for a Home Depot store card backed the issuer and was approved and then the next day, Citi decided to close all the accounts I had with them, including my well over a year old Forward card and a Best Buy card that I had been approved for earlier in the month. Their customer service is absolutely abysmal especially considering that Citi is one of the prime lenders out there and they've also been very unhelpful in helping me trying to get these accounts reopened. I'm even contemplating taking this matter up to their executive office in the hopes that something can be done to rectify the situation but I'm not too confident about that either.

Due to a "misunderstanding" my account was closed and a new one was opened without my permission. I now have no access to my webportal to make payments and view statements and will never get that back unless I let them issue me a new card which I do not want. On top of that I had automatic payments setup with my bank and had I not caught this eventually the payments would not have gone through and I would have gotten charged late fees and taken credit hits. It's very simple, I didn't want my card to be used for any transactions but wanted to keep my account open. Now I'm stuck with a new account I have no access to and they cannot help me. I NOR MY FAMILY WILL EVER BE DOING BUSINESS WITH THEM AGAIN! Spoke with Jake the Customer Service Manager.

If you have Citi, I highly advise dropping them ASAP. Friday at 10 pm, last week (January 9), I tried making a purchase with my TOTALLY RELIABLE Citi prepaid card (my plasma donor card) of only a few dollars (6 or so) at walmart. I was surprised when the transaction was declined. Because I knew I had at least $20 on the card, so I knew something was wrong. In the way to my car, I texted the automated service for my balance and was greeted with what I already knew "your card ending in ** has a total of USD22.45" (or something of that nature- AT LEAST $20, basically).

I closed Citicard because I was not able to use it outside USA. The security level was set super high so no transactions went through, even though I set travel notifications clearly. I closed the card in September 2014. Several months later I found (Jan 2015) that I have a balance and interest was charged. The balance was because Foreign transaction fee arrived 2 weeks after I closed the credit card. That is understandable. But why Citi did not email me alert that I set up on my account or mail or any other way. It silently charges me fee month after month without letting me know. I accidentally found out by logging in to a closed account. Shame on the service. Never do business with Citi again.

I have a Citicard. I scheduled reoccurring payments with Citibank, Citibank changed them. No consent was given to change it. Kinda seems illegal. I calculated the difference in interest and there was a specific dollar amount. If this occurs with all cardholders, it's in the millions of dollars in interest. Does this seem illegal? I think it's theft.

I just received a letter from Citi which said I was pre-selected customer and asked me to apply for the credit card. When I finished my application, Citi rejected me.

I have a Home Depot/Citi credit card account but not for long. On Monday, I'm closing all credit cards that have Citibank as an issuer. I pay my bills at Home Depot, in full, each month. As soon as the bill comes in, it's paid in full! This month, I got a bill with a $25.00 fee and a $9.62 interest charge. The problem is that I never received a bill for the month of November and didn't realize that the bill never came in. I called Citibank customer service twice. The first guy's computer went down as soon as I said hello, my account number is... He put me on hold to transfer me to someone else. But I got dropped and had to call again!

Taking a trip on American Airlines in February. Was emailed on offer for a Citibank AAdvantage card that would give me and 4 companions first bag checked for free and no fee for the first year, so, why not? I applied online and to my surprise, was denied credit. I had just recently checked my FICO score and knew my score was 800+, so I could not figure out why I would be denied. Instead of waiting for my adverse action letter, I called Citi. After getting to a supervisor, I was told my Equifax credit report showed I had a monthly payment loan with a local bank in excess of $16,000 monthly. I laughed and told them that this was a single payment note loan, and furthermore, the balance was now under $8,000 and no monthly payments are due. I urged him to call the bank and verify this. He said he could not do that and this $16,000 monthly payment my debt ratio too high and there was nothing he could do. He told me to order my Equifax report and straighten out the information before reapplying.

Requested a 300.00 credit line increase, was denied so I called and they said it is based on my credit report. I told them I have no nets and a score of over 700 and they said it is done by computer and call the number in the morning. Saw my lawyer in am and pulled all three reports and he said he wanted to contact the NYS Atty. Gen about this. I call the number and they refused to talk to me about it since I spoke to a lawyer. Well citi bank, you're getting sued for discrimination for this when you could have just been honest and given the increase. Now home depot loses business.

I have had a Best Buy (issued by CitiBank) card for about 13 years. It was originally opened as a joint account between me and my now ex-wife. I called after our divorce to have my ex-wife removed and was told she would be. I recently received cards for me and my ex-wife. I called questioning that and they said they were sorry and would remove her. At that time I had them add my new wife on the account. A while later I received new cards for me, my wife, and my ex-wife. This happened to be right before my ex-wife passed away. So I eventually called them and asked why she was still on the account and that she had actually passed away since then. They said it was a joint account so they normally wouldn’t be able to remove her but considering she passed away they could remove her as deceased. A few days later, my wife went to pay the bill through Quicken and was getting login errors. We eventually found out that the person that made the change removed me as being deceased, wiping out all of my information as the primary card holder and removing me from the account altogether and making my ex-wife (who is deceased) the primary card holder, with my new wife as an authorized buyer.

Just got off the phone with a completely unhelpful person about the fact that CitiCard approved an $11,400 credit card application using my SSN for a name, address, birth date, that wasn't even close to mine. This was approved in October and in November, the fraudster charged $11,204 of charges. Sweet! I have now spent 30 waking hours minimum calling all the credit monitoring services, the federal trade commission, the police department in my local community, initiating 90 fraud alert notices on each of the credit monitoring services, signing up for LifeLock and now paying $30 a month because I can't know whether CitiCard will approve any others with this fictitious information.

Contacted Citi regarding my mother's credit card and recent diagnosis of Dementia. I explained to the representative that my mother has been making her payments on time for years and due to her payments recently being 1 missed payment and the others her paying $100.00 monthly as she had agreed with a representative months ago and Citi stating she is over 60 days delinquent and that her payments are higher due to the APR rising because she's not paying enough.

I have a card that is currently on a debt payment program and its the last account on program. One day I call and they say I can keep the program rate, pay them directly and that they would send forms for direct payments. I call following up and they deny they agreed to it and basically hung up. If they allow me to pay them directly they would get an additional $50 a month from me. Payments have always been on time and for higher amounts than program requires. Once this is paid I will never have anything to do with them.

Have had nothing but problems over the years with Citi Sears Card, but today after six times of being transfer then hung up on each time recalling then going through a verifying process only to hear that yes the card will work but only if I swiped and that the expiration date on the card is not right. So we can't use it to pay the internet charges we wanted to use for both a vender and National Interstate Insurance. Finally we paid the card in full and cancel it, the company will be only one more nail in coffin that will end Sears, sorry to see it happen. At no time does anyone offer a supervisor or a way that we can resolve the problem. Always paid more than the min payment but outsourcing is just that. Hopefully not too many lost point on credit report for dumping a crappy card like Citi Corp Sears.

They make it nearly impossible to make a payment, and it almost seems like they try to keep it a secret from you when you have a balance due. They charge me a $15 late fee every single month. They don't send me any statements or e-mails or anything of the like even letting me know that I have a balance. 9 out of 10 times I log on to the website and it is "under maintenance". When I go to pay my bill the day that it is due, their website is conveniently down or I receive some kind of error message for trying to make a payment. I try to send a message to customer service. I type a long descriptive message about the errors that are occurring, and when I click send, oh it's mysteriously gone and it reloads the page asking me to write a message. Next I look at my online statement, and can't even find a phone number to pay the dang bill, so I call their customer service line. For once someone that speaks English answers, but what do you know? They are experiencing issues and tell me to call back in 3 to 4 hours! In other words I am going to have another $15 late charge because they make it literally impossible to make a payment on time! SO frustrating!!

I work for Home Depot and my payroll is put on a CitiCard. I paid my electric bill and Citi took 2 identical payments out my account for the same company 10/20/14 at 1:40 pm even though the Electric Company was only paid once and I only authorized one payment. When I called it to their attention, they REFUSED to restore the money. The Electric Company tried to call them directly to get it corrected and was hung up on multiple times today. The next day after I had made the payment, I had paid my phone bill and today looking at my account statement, it showed they (Citi prepaid Card) tried to take two payments again, but because they stole too much money from my account with my electric bill, there was not enough money to steal a phone bill payment amount also. Please warn anyone you know NOT to signup for the Citi prepaid card for the payroll.

I didn't receive my bills for a couple months, made payments anyway w/o realizing one late fee turned into multiple late fees despite paying on time. Called when I got a notice, was told if I paid a certain amount, they'd adjust the late fees since I had a good history. I paid what they told me to that day, they didn't credit me ANYTHING and charged me ANOTHER late fee, refused to adjust it unless I paid the full min which was only inflated from them not adjusting the previous ones and charging me yet another! Then said they could only credit me one fee & it'd be the new one that I shouldn't have gotten in the 1st place & only if I paid the inflated min now. Told me the same thing last month, I fell for it, paid the amount they demanded on time & they did NOT credit me the late fees as promised, not only did they remain but they charged me another one with the only excuse that they didn't know why THEIR rep gave me false info.

We drive from Illinois to Colorado several times a year. Yesterday, 10/18/14, for the first time, our card was shut down when we bought gasoline in Nebraska. We managed to get it restored fairly quickly. What's up with that? Do we have to notify CitiCard every time we travel more than 500 miles? Seems a little extreme to me.

I have been using Citi Simplicity, Dividend credit cards for the last 10 years!! Just a few days back when I looked, I could get my cashback above $20. And now I can't deposit anything below $50! I have $25 and $35 locked in 2 of my credit card accounts and can't get it. Pisses me off esp. because I thought I was smart to use Citi credit cards. I don't treat cashback as a reward but as money earned! There are several other credit cards I already have but don't use that offer equal or greater cashback without ___gimmicks___. I will switch to one of them and writing about my bad experience to let others know. Readers should know about this dirty business practice of Citi. I contacted their customer service and was told that I can close my card anytime. As for the $60 cashback I have, I'm not going to get it!

In July of 2004 I had a small 401 acc. that got put in Millennium Trust Company in Oak Brook, IL. The service fees were ridiculous and about to eat up what little was left. So I requested a pay out. Amount of the acc. was a little over 200 dollars and after taxes and a pay out fee of 25.00 it left 186.49. Then Millennium issued a prepaid visa card in the amount of 168.00 through CITI card. Now I wonder if the tables were turned and I owed them 168.49 if they would be happy with me sending them 168.00 on a prepaid card. To top this off it's supposed to be a no expenses card but in a month I have not been able to get a dime off this card. Yet every time I try it charges .75 cents to the card and declines the transaction.

I am hopeful my phone conversations for quality assurance were recorded. What started with questions on how to make a payment that would be the fastest. Automated phone call AT&T Universal card. Other than payment by mail, I was told would be processed (automated or CSR) and credited within 2 business days. Sep. 5, 14 call automated number & $2011.95.. Was given confirm number, Had previous record of payment by mail and personal banking info was given.

I thought when you made an online purchase with a Visa Card you had some degree of protection, but apparently I was wrong. I made a purchase from an online site. The merchandise was advertised as new, but what I received was used and incomplete. The seller would not respond. I called Citibank for help. They seemed helpful at first, but soon took the side of the merchant. Now I have useless merchandise and am out my money and no one will hear my complaint.

Won't print more on top. Citi hangs on to the check, even if you mail it in 5 to ten days early and if the due date falls on a Saturday, they will charge you 35 dollars late fee and they are in possession of the check and have electronic withdrawal.

I received a prepaid credit card for $120 from Citi from the purchase of tires. I cannot get the card to work anywhere, including hand entering the number. I did activate the card when I received it and received a PIN number when I did. I called customer service on the back of the card and explained my problem. The gal on the other end could barely speak English, so I asked where she was located. Turns out she was in Manila. She kept putting me on hold, then would come back on the line and ask me how she could help me. This went on for over an hour. She would ask me my address over and over again. I bet I gave it to her twenty times if I gave it to her once!

Their current point system is unappealing & very restrictive. I don't understand why can't I just use my reward that I've earned for a straightforward redeem towards things? Instead Citicard is forcing me to make a purchase & can only get a discount with my points. I want to expose this practice & report to everyone so that it's known that Citicard does this unfair type of point system. This isn't a true reward, it's a deceptive business practice of Citicards.

Conspiracy Theory? ... and I'm only half joking! Have had Citi Professional card since 2006. Always on time, until January of 2011. Got diagnosed with cancer and kinda dropped the ball on my bill paying duties...i.e., slipped my mind! All January ,"Citigroup" is showing up on my caller ID, but no messages are left and when I answer and say, "Hello", there's no response. I figure it's telemarketing aimed getting me to take advantage on yet another of their fine offers...especially as they're also emailing me offers and snail mailing offers...

I have two Citi cards, one for Best Buy and one for Home Depot. I got the Best Buy card first, and right off had an extremely difficult time logging in (after I'd created an account) to pay the card. I had to call tech support two times, and then finally succeeded in logging on. I can logon now but I have to go thru all kinds of twists and turns and convolutions to finally get logged on. But at least I can now logon.

I got mixed up with Citibank five years ago when I applied for a card with Sears. I do remember being leery of it once I found out it was with them. Despite not being fond of them, I've had no problem until recently when I contacted customer service to get my payment date changed. On top of my other bills, a payment to them yet, too, punished me financially, so I called them two days before the due date to get it switched. The rep said I could do it and I would safely be able to pay a week later. Seven days later when I logged on to make my payment, I discovered I'd been charged a late fee, much to my dismay. Once again I had to call to find out why I was charged when I'd been told I could pay after the original due date? The rep placed me on hold so she could speak with her supervisor about getting the late fee reversed, which they could do since they'd seen that I'd called in on the 10th for switching dates and was OK'd.

I have had a credit card with Citi for the past two years. I have had nothing but problems since. Firstly, I have had an alert on my online account about a new card arriving. The card has been activated for two years and the alert has still not gone away (just one of the many indications that this institution is, to put it nicely, CRAP). Secondly, I have never been able to pay my bill online. IT IS 2014. THIS SHOULD NOT BE AN ISSUE. And it isn't human error. I am a 23-year-old and I pay literally every other bill I have online. I talked to multiple customer service agents about this and it was never resolved. Lovely.

I make a purchase on eBay using my Citibank account for an amount of $214.00 on May 20, 2014; however, the item in which I purchase was never delivered to me. I made contact with my bank which is Citibank and they refused to open a claim and assist me with that matter. I believe that as a customer with Citibank and I have a legitimate claim, Citibank should open and investigation and ask eBay the honor their policy and refund their customer for not getting the item in which the customer purchased. Instead, Citibank refused to assist. I am asking you to request that Citibank follow the law and comply with the Federal Trade Commission Consumer and the Anti-Trust Division of the Justice Department and comply.

Most companies who deal with military members will show leniency when it comes to errors relating to military reasons. Apparently Citibank isn't one of them. The government card was used for military travel (training) by my husband. Due to some errors with it being paid by the military, we ended up stuck with the bill and Citibank would not hold the account until everything was straightened out. He explained the details to them and were well aware the bill would be paid in full within a reasonable amount of time by the military. Instead my husband was told he had to pay the bill or have it be sent to collections. On top of this they are also charging monthly fees on top of the monthly payments being made. We were considering getting a personal card but after this I will never consider that as an option.

Citibank mistakenly cashed my $256.81 check payment for $2,568.10. This debit cleaned out my checking account and resulted in the assessment of late fees totaling $140. The bank has reluctantly reimbursed me for most the INSF fees but I have no recourse for the checks that were returned which incurred late fees as well. After the error, Citibank lowered my credit limit then after realizing the error, posted the difference as a purchase on my account. My next payment due is now $2400. When I demanded this be fixed, the supervisor said we will submit to try and raise your credit limit. This was denied. There are watchdogs and limitations in every industry but this one. Why are these criminals allowed to get away with the arbitrary assessment of fees and predatory interest rates?

The Citibank website is frequently down. I have had to call them at least 6 out of the past 12 months, because I was unable to pay online after trying to login day after day with no success. Despite their website being down, I was of course charged late fees, which they said they would remove but did not. My biggest complaint against Citicards is the fact that my APR was raised 10% the day that I started graduate school in 2003. I was not notified that this was going to occur. When I contacted the company to ask why, they gave me the runaround, then finally admitted that as a new student, I was now a "financial risk." So the increase in APR was based SOLELY on the fact that I was now a student again, and this raise in APR made it impossible for me to pay the card off while in grad school. That seems like great logic right? Well it is for Citibank.

I just got a notice that my credit card is being cancelled and that this will take effect June 10, 2014. I was already sent a new card. The person I spoke with - Bill - said that there has been another SECURITY BREACH - at a merchant - but he would not disclose the merchant's name or the magnitude of the breach. He told me I don't need to know! Then he told me he didn't know. Anyway - want to see if anyone else has gotten a similar notice. Seems like they are trying to keep this one under wraps. Wondering if at Target again.

I have 5 credit cards, made payments on time always. Then, without notice, while I'm traveling, they shut my cards down and said to fax my concerns in writing. Then, they would respond in 7-14 days. I tried to talk to supervisors, but they told me the same thing. Branch manager was ineffective, even though I have had 4 checking accounts and 5 cards for 26 years. Finally, their verdict? You use and pay down your cards too much.

Two years ago, after Citibank issue the new credit card to me, Citibank ask me to destroy this old card. At that time, my balance is zero. After two years, Citibank suddenly tell me I owe the money at that cancelled credit card, so I ask Citibank to send me the details for the payment. I received Citibank statement detail and found all the charges are the late fee and interest, there is no any penny my spend. Of course I do not like to pay the suddenly come out the charge. I contact Citibank so many times via phone and mail, but Citibank insist on that charge, and go to collection it. What I can do? Citibank never listen.

I received a call from Citi saying that my account was past due. I could not believe it as I always pay on time. I called Home Depot/Citi. It turns out that they charged me $14.35 in interest. It was not supposed to accumulate interest as it was a six mo. no interest purchase. Apparently they did not apply the promotion. Basically they said I should have called earlier. I paid the card off in two months but they had added the interest. I did not catch it so it showed late. They showed me late for the 12.31 cent balance. Reported on my credit. Refused to correct it. I closed my account but the damage is done.

Last month CitiCard sent my bill as usual. I decided to pay off the full balance prior to the due date. Today, I get the bill thinking there will be a zero balance. I was surprised to see it showed that even though I have a Zero Balance. They still charge interest on Zero. I called them to ask about this. They said even though I paid the full amount due prior to the due date, I had to pay more interest that was not listed in the full balance due. It was not a fee. It was interest.

Had dental work done in late fall 2013. Applied for interest free credit with Citi Health card. Dentist office made mistake and put me down for 24mo payment plan with 15.99 interest rate. Dentist office contacted Citi health credit and they told dentist to resubmit the bill. 12/30/13 statement was for interest free until 1/15. Citihealth continued charging me under the 24mo plan and charging interest. Round and round we went. Person I spoke with first said they do not have computer access to my statements therefore she could not see the 12/30/13 interest free until 1/2015 on my statement. She got her supervisor who said she could see the statement, but underneath that line the 24mo plan was also showing up. The 24 mo plan with interest had a transaction date of 10/13 while the no interest plan had a trans date of 12/30/13. Anyone else would have read that the 12/30/13 trans cancelled out the 10/13 trans date.

I received a call today again from phone number 18007331116 only to get into a conversation that was very unhealthy for my chronic illness and situation. I have been a loyal customer and paid my payments on time. I have always paid my more than the minimum amount due. I have been out of work since May 2013 and recently (Feb. 2014) I have not been able to make my full payments. I have been send $20 payment on the account. This falls below the minimum due. I get calls weekly explaining the my chronic illness- Brain surgery x 2,Stroke x 2, Chairi Malformation (brain is permanently in my spinal cord), high anxiety and depression- on lots meds. for this to keep my BP down so I don't have another stroke.

So was trying to get some finances under order and wrote to Citicards to see if they can help me lower the interest rate. They said they wouldn't do it. I said fine, close the account. Lo and behold they took it upon themselves to withdrawal 350.00 out of my checking account without my permission and did it twice on top of that. So after writing the company they said it is what it is. So I had to close and reopen a checking account. And after talking with the bank they said don't give anyone especially credit card companies your account because they find ways to get into your account around the laws. So I contacted Citicards to say I need the full account number, it isn't on my statement and I no longer have the card to set it up within my own bank to have them pay it. They said they would not provide me this, via email, phone or mail and that I had to make the payment over the phone. Are they crazy, so they can do it again to me?? I told them I will not be paying them their way, I need the account number (the full account number, only have the last 4 digits) so I can pay them my way this time. Cold day in hell if they think they will fall for their game again.

Citibank was charging me 21.99% on part of my balance, and applying most of my payments to the lower interest rate balance. So I looked up how credit card companies are required to apply payments. According to what I read, the President signed into law in 2009 that any payment over the minimum payment must be applied to the higher interest rate balance. I took out a loan from my 401K in order to pay off the higher rate balance. The alternative is going bankrupt! Needless to say that they did not apply the payment to the balance with the 21.99% interest rate. So I asked them to correct the payment and close my account. They did neither! The reason I am writing this is that if they did this to me, then I am sure that they have done this to others! I sent them a message yesterday saying that I am complaining and looking for a class action law suit.

Yesterday I started doing some change of addresses for credit cards as we are in the process of moving from one home to another. I called Citi who had a recording going through every option known to man. I got to the part where I could change my address and they said goodbye and hung up on me. After about 20 minutes of dealing with all their stupid unrelated recordings, I thought maybe I should go online which I tried to do. They asked two security questions which I answered correctly and they said the information did not match and my card was made so I can't use it until I call and they gave me a number. I got the same recording as before with the same results. I hit zero hoping to get a real person and still nothing but their hanging up on me. So looks as if we will be closing out all three of our Citi cards but they make it next to impossible to even close the account.

Citi seems to use a group of totally uninterested individuals to manage their fraud alerts. In the past three months they have put holds on the card over routine charges many times at the same places we regularly make purchases. When you call you are shunted off to some very nice people in Southeast Asia who are Totally Unempowered to do anything to resolve any issues. Today we got a text demanding that we respond to charges over a three week period or our card would again be put on hold. Several of the routine fuel charges during a trip were already answered in previous holds. It seems impossible to talk to anyone here in the US who can stop the harassment as each time you call you are sent to Southeast Asia. We have sent various e-mails to them but have not once received a reply. This is not a card we would recommend to anyone. That would seem obvious from the number of terrible reviews here. Wish there was a way to make these what comes up whenever someone tries to apply for this horrible card.

I've been with Citicards such a long time back when I was in college. Then they switched me to another reward card (2005). I like the service, but couple years, I found that their service isn't nice anymore. The main complaint is always speak with someone who is outside of the US. To be honest, sometimes it's hard to understand. Then, they couldn't help anything, but very rude, wasn't nice. I'm so disappointed. Why did I call? I called to ask about my statement hasn't received. They charged me the fee... I didn't receive any statement in the mail. I went to the post office to complain about missing mails. They can't do anything. Then I called Citicards to hope they can waive the late fee, but they didn't do as supposed to... Finally, I asked to speak with a manager, she took care with a very bad attitude. I'm again, so disappointed in their services. I'm thinking to closing my credit card. I can't handle the ugly attitude they gave to the customers. Not happy at all.

While checking my account activity, I noticed minimum interest charge of $0.50 on my Citicard account. I called customer service representative, who couldn't give me an explanation so she transferred the call to an account manager, who took it off my account. When I questioned about why this interest showed up on my account, she did not have an explanation either. To make things worse, she made a comment that I wasted so much time on the phone for a "lousy 50 cents", which obviously did not make happy. Now, this is not the first time a charge like this showed up on my account. Just like most other people, I did not call them for the 50 cents, but to question this illegal practice of adding 50 cents here and 50 cents there to the accounts of unsuspecting customers.

I have had several instances of questionable charges by Citibank this year. A charge for a cash advance and finance charge after using a Citibank credit card (not a debit card) to pay for an eBay purchase by PayPal. PayPal says they authorized a credit purchase but Citibank made it a cash advance. Neither PayPal nor the merchant could or would have the ability to make this a cash advance. It was tough to get the charges reversed and Citibank representatives would not acknowledge an error on their part. A payment in full mailed two weeks before the due date incurred a late charge and finance fees. An online payment in full six days before the due date was posted 1 day after the due date and incurred finance and late charges. These may be random events but suspect that Citibank may have processes in play that maximize revenue at the expense of those not carefully scrutinizing their statements.

I've recently experienced a life changing medical condition. My income has gone from $6000/mo. to less than $1400. My medical bills/medication costs plus simply food and rent use every penny of that amount. I've lost my home, my truck, my jewelry, everything I can sell has been sold to pay for my health costs. Something that should not happen in this country. Until two years ago, I've always paid my accounts in full each month and was never late. Due to my health situation and lack of insurance (divorce/disabled), I was forced to put my medical bills on a credit card or they would not admit me for treatment (Another slap in the face for someone who has worked as an RN for years and has always had a job since the age of 12).

I have been with Citicards for 12 years!! Back in 2009, I had some financial trouble and was late on a couple payments. My interest rate was increased to 29.99%, and CITI said they reviewed and increased most accounts. Fair enough. However, I have not had a late payment in over 3 years, I paid down the card, and have paid more than the minimum balance, and nowhere near the maximum credit line. I currently have a +750 credit score, good debt to income ratio, and I receive prime + interest rates on my other AMEX card. I called CITI and even with a supervisor, no one can tell me why. The supervisor said, "I don't even know what department makes this decision" when I asked who reviews this and what can be done to look in depth at my history and account.

My credit card was automatically blocked due to unauthorized charges. No alert received or phone calls received that this occurred. I set up a payment for automatic transfer using Citicard. I was penalized by the merchant since the payment didn't go through on scheduled date. Called Citicard if they can send a letter to let the merchant know that this happened so they can waive the penalty. Customer rep said she was going to take care of it. Called again on Sept. 10, 2013, the customer rep claimed that it was faxed but she will/can send another one. Called again Oct., was transferred to the Mgr. Mgr claimed there was a letter sent out just few days prior to my call. I had to tell him again why I needed the letter. He was going to check if there was a letter of some sort, came back on the phone and told me that there is no such letter that he can fill out. I asked if he could send an email just to let the merchant know what happened but he couldn't do it. I didn't give them permission to automatically block my credit card, at least none that I can remember. Very poor customer service. Told to discontinue my account. Very poor customer service.

Was denied payment for an international transaction for a travel package to Columbia. No reason given and denied that the denial even happened. After a week of trying to resolve the issue (I wanted the AA frequent flyer miles) and after believing that it was the vendor's fault, I used another credit card (another MASTERCARD, no less). The transaction was approved. Despite their denials and deflecting of blame to the vendor, this was proof that the problem was on the CitiCard end. I would hate to think what would have happened if we went to Columbia, tried to use the card and got into trouble. The ** that CitiCards calls "Customer Service" would probably compounded the problem. I've been a loyal customer for 18 years, have never missed a payment, and charged an average of $2-3,000 a month over that time. Think of that in terms of merchant charges. All Gone.... I cancelled my account today.

I use Kayak for finding fares. The best flight I had was with American Airlines. At the website, there is a huge promotion for CitiCards and American Advantage. They say they give you back 100 dollars and the first bag checked is free. Roughly a 125 dollar savings. The implication is to buy the ticket with this card, and you will get 125 dollars back. But the card has a 95-dollar a year fee. There goes the 100 dollars, which means there is zero dollar advantage for this card. And the baggage fee does not apply to the flight you are purchasing at the moment, it is for something in the future. The final thing is that there is no way of contacting anyone, no email, no phone number just an address. Unbelievable.

My father held a MasterCard account with Citibank. He passed away in June and my sister contacted the company to inform them of his death a week later. We have been dealing with probate and informed the company that as soon as paperwork cleared, we would pay the balance. We were told there would be no interest of fees from the time of his passing. We were harassed by the company with many phone calls. After informing each caller of the information on my dad's death the caller would say, "We are sorry to hear of his passing. I have put the information in the computer. We will not bother you with this again." Two hours later, there would be another call. And another. And another.

I'm a consumer that has been doing business with Good Year and has one of their credit cards which is managed by Citibank, these employees working there are the most stupid people that forget how they get a salary to be given to them. I had a talk with one of their supervisors today 9-2-13, after noticing that my credit limit was reduced due to not using for a while. I believe that banks forget how they stay in business with our darn money we work so hard every day to make which now these days aren't much to survive on.

I have been a Citi customer for over 7 years. I missed my payment this month by DAYS and they closed my account. I did not receive any notice or warning. In fact, the only way I knew that the account was closed was because I couldn't access my online account. I am VERY disappointed with the way this business was handled and the lack of notice and patience that I received as a (not so valued) customer.

I wish I could give them negative a thousand zero stars. Like, you know what the temperature is on Neptune at night? That's how many stars they deserve. This company is run by very good scammers, I will give them that. To make my headache-ridden, almost unbelievable story of how they scammed me short, I will give you insight into your likely future scenarios at Citibank:

I just had an online conversation to get my extremely high interest rate of 22.99% reduced. Stay away from Citibank as far as you can. If you carry a balance on your card even when you pay as required and more they are not willing to reduce your interest rate from this unethical 22.99%.

I have one credit card through Citi. I have never been late on a single payment, and I always pay over the minimum amount. I do not have my account set up for auto deductions. Citi has arbitrarily taken a total of 5 unauthorized payments out of the incorrect account over the course of the last 3 months. I REMOVED the account that they had been taking payments out of, and to my surprise, ANOTHER payment that I did not authorize has been taken out of my account today. I have called the dispute resolution department every time that this had happened, and no one can seem to tell me exactly why this continues to happen. I have faxed banking documentation TWICE without anyone contacting me back.

My truck and U-Haul trailer were stolen as I moved from one state to another. I ended up with nothing, and I'm now living in a motel with no car and no job. I'm trying to get an apartment and need to buy some decent clothes to go looking for a job, since all I have left is a pair of jeans, five t-shirts, and undergarments. I have a monthly arrangement with Citi, but I truly cannot afford the amount this month. I called and spoke to a supervisor, but Citi CANNOT/WILL NOT/REFUSED to lower my payment (or give me a break) for ONE month, or give me a different arrangement, or even guarantee that if I don't pay the amount due now, that I will continue with the plan, which has a lower APR, although I have had a Citi for years and have paid them every month.

Their website, since the redesign months ago, has become completely useless and unusable. Click any useful link and it would take you to a dead page. It's hard to imagine how such a big company can do such a ** job on their web front and doesn't seem to care. ** must have filled their executives and IT heads.

I had a payment plan with CitiCorp. They didn't collect a payment because of their own incompetence and phony accounting. They ended the plan. They had me make payments and kept the interest at 5 percent. Out of the blue, they changed me at 25 percent for no reason. I refused to pay until they straightened it out. Fifty harassment calls later, they still will not straighten out the bill.

I got a special offer through email in January to sign up for a 5% cash bonus on a purchase of certain categories in Q1 of 2013. I bought a $200 Google tablet and other stuff, and I’m expecting a $25 cash reward. I didn't see it in the second month. I called and was told that it’s not posted yet. I called after the quarter and told the representative that there should be a $25 cash back. Then, I was told it will post next month. I further confirmed the amount, and it turned out that she only saw $5 in cash, but tried to be vague for me to continue waiting for my cash back that doesn't exist. The reason is that I bought the tablet at Office Depot, which was not classified as an electronic store! I took advantage of both Chase and Discover's 5% offer, but never had any problem. Citicard is deceptive on how they give their customer’s benefits. Consumers beware!

I had applied for a secure credit card in 01/2013. I called back due to the fact that I never received a response from Citibank. Apparently, they claim there was no apartment number on the application. A few months later which is today, 5/3/2013, I called again and now they claim there were two applications when I applied only for one and there is no amount so I have to reapply for another card. My total wait has been five months and if I didn't call, I would have still been waiting for a response. This is very unprofessional!

I have had two accounts with Citibank, one for 13 years and another for 9 years. I went through a period of being unemployed for 6 months and then when I began work, it was only $9.00, not enough to catch up. Citibank closed one of my accounts in 2012 stating I had 2 indiscretions in 8 years (for bounced checks which did eventually clear) without my consent, a letter or a phone call and when I asked them to re-open it, I had to go through a question and answer process. This week, the other card closed without my consent, letter or call. I received a notice stating it may go to a collection agency within a certain number of days.

I am closing my Citigold relationship with Citi, having just learned that Citi removed 56,401 ThankYou points from my account without notifying or telling me. I check the site regularly. There is a notification of points "Expiring (within 90 days)". It has always been 0. Yet I am told by "Wanda" that because I closed one (of my seven) credit card account (a Premier MasteCard, of which I already had one) and did not use the points within 30 days of closing, they were confiscated and there is nothing I can do.

We did not use our card and asked for it to be closed last year. This year Citibank called every day for 3 months and we finally called the customer service department to complain. They said we had to pay $85 for a fee. For what since it was closed last year after non-use? They did not have it closed. Again we closed it today, 4/20/2013, but this time we asked for confirmation sent to our home in PA to confirm they did what we asked. What a rip-off since they never sent a card, and yet they were charging a Citibank renewal fee. Horrible company and it took 3 phone calls to get the right one to close the account. They wanted the social security number in full over the phone. No freaking way! We do not give out social security numbers over the phone.

The first rep was helpful. Then I got transferred to Tech Support and they told me what the issue was. Basically, the auto re-routing of Citicards.com didn't function properly and made me change my password more than five times and still I was not able to log in. Then I got transferred to a supervisor who interrupted me when I was trying to explain. She was just loud and not helpful and stuck to what she thought was right which is that Citicards.com is the same as the myciti.com. In a perfect world, it is and in my case, it did not work and made me change my password over 5 times and still not be able to log in. She was not helpful at all. She just sucked!

I was behind on my payments so I went on a payment plan. I made 2 months of the payments and on the 3rd month, the payment (of $788) came out a week before it was supposed to. For me, that was a huge problem because we have to budget out to the last penny. So you can imagine the havoc caused by an unexpected $788 being taken out! They did refund the money but not until their 3 business days later which was incredibly inconvenient. I rescheduled the payment for the correct date. The next day, the payment was taken out again! I called and the manager said, "I see in the notes that it was supposed to be taken out on the 15th, but for some reason, she took it out on the 3rd."

I had a business Citi Card and scheduled auto pay to be debited from my business checking account one week before the due date. Also, I always checked my card online via QuickBooks. One day I noticed a weird transaction. I logged into the online account, and I was greeted with a weird Hispanic female name although I'm a non-Hispanic male. I sent a secure email via their web site asking what this thing was about, but they never responded. I called next day and they refused to talk to me because I was not that female they were expecting. The same day, I received a letter from Citi with this fraudulent female name which I returned to the sender with a letter with all the specifics and asked for an explanation. The account was still active several days after this incident. I did not call the police this time because they were useless with a credit card fraud case a year before.