Citi Credit Cards Reviews

The following is the copy from the e-mail, I have received a word to word: "Misplaced your certificate? You can request a new one on the Citi Mobile® App** or Citi®, Online. Request a new certificate." ► (This link was taken away didn't lead to the certificate)" This is the age of data, the companies can unearth data from ages, it is not that, CITI cannot check, a consumer redeemed their reward or not? To assign a legitimate commission-reward copy certificate to the customer if the consumer didn't redeem their commission.

This is the classic practice of credit card companies taking advantage of customers. If it is the other way around, if a consumer owe 214.92 to the CITI, it would have expired in any chance ever, no matter how many years lapsed? I don't think so. Why CITI has the right to steal from the consumer, they owe to the customer? I believe this is certainly a case for consumer protection agency to take a look. It is purely taking advantage of consumer to not to pay their earned commission back. I am also going to complain about this to Costco management, they should never have opted for CITI instead of American Express in the first place. By the way, e-billing should not disadvantage the customer. If I never opted out of print billing, I wouldn't have had lost my purchase commission. CITI would not be able to take the link off to print the certificate.

I have called the CITI customer service and tried to access the link as suggested in the e-mail, but in vain. Of course it is designed to take advantage of customers. The customer service supervisor said, word to word: Since this is a lot of money, she cannot re-issue the certificate. If this is a lot of money for a company like CITI, imagine the scale for an individual customer!! How this product is designed to take advantage from the customers. For the record, I called the Citi customer service on 1/8/2019 afternoon, to activate the link to print my reward (commission) certificate.

After sending in my documentation and even an email the admin had sent saying we would receive a refund if anything happened to the program that wasn't good enough for them. My claim was denied and another rep re-opened it and put the charge as services purchased but not delivered. I received communication in my back office at Citi 10 days later that they "may" give me a refund if I can send in documentation that the admin will give us a refund which I did. I sent the email in on Dec. 29th and I received another communication in my back office on Jan. 1 that the timeframe has now passed for my dispute and they closed the case. They evidently didn't read my email I sent them with documentation from the admin that I would receive a refund or they just decided to close case without investigating. I never had this much trouble before with any dispute and made numerous calls to the dispute department without any satisfaction.

I had purchased 10 other revenue sharing packages with this merchant and had put them on 5 different Chase cards and they all have had permanent credits issued for the last month or two. My experience with Citi vs. Chase is like day and night. Only 1 phone call was necessary with Chase and they collected the information in a concerned professional matter and it was resolved quickly. I felt like Chase was on my side which is just the opposite of what I feel with Citi. Also the customer service reps at all 5 of my Chase cards were personable, efficient and provided excellent customer service. I'll be calling a supervisor tomorrow at Citi and dealing exclusively with them from now on, but if my issue doesn't get resolved and my account doesn't get credited I've learned my lesson. Only use Citi as a 0% balance transfer and don't make any purchases with it.

Asked Citicard to reimburse me for the flight. Was happy to have that completed last month only to find out they reversed the charges the day before Christmas. Why would you do this to a loyal customer before your “investigation” is complete? I had made future financial decisions based on having Citicard reimburse me for the loss. I would have been much better prepared financially had you waited until the investigation was complete. So sad, because I will be cancelling my card by this month’s end. You have alienated a loyal paying customer with an 850 credit score. Thanks Citicard for making an unforgettable holiday for my family!!!

Anyhow - 10 days later I received a letter saying I was denied because my Experian had a freeze on it. I lifted the freeze and called them back. Another cycle and they again refused me saying the Experian was froze - which it wasn't. Then I got a mailer for the very card I was applying for so I applied with the code and of course, I was granted the card. Then I tried on multiple occasions to get to a human who could connect my long credit card history with this new card. It doesn't seem like an extreme request since it's the same company, I am the same person and one of their agents said it would be possible. Then I received a letter telling me that it was not possible because too much time had lapsed between my request and the account closure. I ACTUALLY MADE THE REQUEST WITHIN 24 HOURS!!!

Most recently, I played a week of phone tag with a senior account manager in customer service who I dared to believe was reaching out to rectify what had been a horrendous experience. Instead when we finally did connect in real time, he essentially told me that he had reviewed the situation carefully and there was nothing that could be done. I have wasted many aggravating hours trying to rectify what could/should have been a straightforward request to keep me as a customer. I would also like to add that I have had super good customer service at their competitors - Chase and Amex. No more dealing with Citicard!!!

One of the main reasons I use a CC is for the protection it offers me against scams such as this. I regularly use US Bank and have never had any issues where fraudulent use of my credit card/disputes are not immediately resolved in a professional manner. I have now resigned myself to the fact that I will have to head to court on this one. If you are looking for a credit card that has your back... COSTCO CITI CC IS NOT THE CARD FOR YOU!!!

Some three years ago Costco chose to switch to CITI Visa card / which is the worst card in Customer Affairs reviews records - available online/and then in a little while problems started. In mid of October City Visa notified me that series fraud suspected charges where noticed by their early Fraud Detection department, on my City Visa credit card. Two of those charges were - I was told - originated from Justice Women's Clothing store online. They were: $220.93 and 225.89 from the same date. Since I never ordered anything from them I denied both charges.

In about 8 days after I received two envelopes, each containing 1 children’s clothing item . In one envelope there were children’s cargo leggings - size 8, with Justice logo price tag $29.90 and invoice - in that envelope - for that item in amount of - $220.93!? The second envelope contained children’s “Bow back top” - size 10, with Justice logo price tag in amount of $19.90 and invoice in amount of $225.89 for that single item!? There was nothing else shipped or listed In those invoices, to justify charged price of each envelope content in excess of over $200.00.

In a few weeks both charges - in mentioned amounts - were placed onto my Costco Visa credit card, to be paid by me as reversed charges! The next day as I saw those fraudulent charges on my account I called Citi Visa and spoke to their reps Tiera, Tina, Felicia and Juby. I was switched to - so called - "Investigation Department" and spoke twice to Mathew and one time to Steven. Both of them hanged up on me when I questioned their ability to conduct investigation properly, for in my eyes it does not even follow logical steps. I told them that their decision - in favor of Justice - should not be based only on proof of shipment.

They also should ask Justice for a copy of email - Justice should have sent to me - confirming my order, with list and prices of goods -sold to me - which make that total price. I also told them that routinely, online sellers, besides order confirmation, send to buyer an email, with trucking # and Citi Visa should ask Justice to provide copy of that email to Citi Visa. Justice can not supply any of those emails to them, since it is made up purchase.

Their scam is based on high charge amount and trucking #, to proof, that there was a shipment made - they ship a 'lollipop' and get a few hundred of dollars, proving to ** Citi Visa "investigators" that shipment was made. Someone who put that single item in that small envelope - who works for Justice - and then after put into it invoice for $220 +, knew very well that it is a scam. It is a very common scam on eBay by Chinese sellers, but eBay accepts hard proofs of scam /photos and scans/ and makes refunds to buyers for example seeing small envelope with the tracking number provided claiming that a mink fur was shipped in that tiny envelope.

I also offered to Citi Visa 'investigators' hard proofs , to prove it is a scam, by sending Citi Visa copies of shipping labels, attached to those small bubble envelopes, and pictures of shipped items. I was told that Visa “investigators” know what they are doing and besides that, CITI Visa system does not take any email attachment files. CITI Visa "investigators" feel that they can hang up on callers, without any penalty - as they feel like it - as nobody can punished them for their actions. They are so much in charge doing it, that I get impression that those actions are part of their Citi Visa job training. Though it is unfair to Citi Visa customers, from credit card point it is OK - when there is charge they get their portion of that money and that is only what counts. I would not be surprised if City Visa turned out to be a fake for there’s something fishy about them in my opinion.

Since - I can see online - cases /like mine/regarding City Visa improper conduct and procedures online fraud investigations are very common, they should become a subject of investigation of Attorney General Office themselves. In the mean time I intend to close that Citi Visa credit card account and may be give up on Costco membership as I feel they got associated with crooks. I will stick to BJ’s and Sam’s clubs whose memberships I also have.

My flags are up at this point because I work in a call center for a living and this I know for sure isn't true. My next request was for someone with less accent. This is when the next "English speaking sup" came on the line. She was very, very nasty. "What can I do for you?" "I hear you are disputing some activities on the account." The conversation continue in a very condescending tone. I stopped her and I addressed her professionalism, empathy, her role as a manager, lack of concern and definitely not apologetic as to what has happened.

This is when I learned the rep before her was not a supervisor. I continue to ask the same question for her to confirm again that the rep was posing as a supervisor (this is who we have over our hard earned money). She assured me a complaint was going to place with the company for the false representation, she then advised that the other two reps had not blocked my card or taken any other initiative to make sure my account was protected. This is where trust, integrity and professionalism ends with me as a consumer.

Now, I’m receiving two to three emails a day from them saying how I need to call them to even authorize my card to be used in my Apple Wallet (another absurd rule by Citibank when all other major credit cards that I use simply do a two step verification and text you a security code to your CELL PHONE). I’m literally livid at how Citi treats its customers. I’m on a timeline to make this balance transfer and wanted to ensure I was doing it right, but literally have to wait for a letter to be snail mailed to me because they do not believe I am the cardholder. It’s insane. Steer clear of this card and use Chase or Discover. Customer service is everything and Citi falls flat on its face. Can’t wait to cancel this card.

6 months later they are charging us exorbitant late fees with no notice and on top of it, they reported it and now it has damaged our credit rating. They refuse to give us any credit and closed the account with no notice. They say they sent us communication of it such as calling all the numbers on our account. We have not received a single phone call on three phone numbers. IF I could give negative stars I would give 5 of them. Banks should not be able to do this to consumers! Costco Anywhere Visa by Citibank is FRAUDULENT!

Then, a couple months later, I closed this new account after making a full payment on the balanced owed. Then, four months later, I received a letter from a collection agency saying I owed $371 to Home Depot on this closed account. WHAT?!!? I contested this in writing to both Home Depot and Citibank. They did nothing. NOTHING! Now, thanks to Home Depot and Citibank I have a big ding on my credit history. I'm a working slob trying to get by; I make < $35K. I pay my bills. I got screwed by these guys after being a valued customer for years. DO NOT DEAL WITH CITIBANK OR HOME DEPOT! THEY ARE CONSUMER PREDATORS!

Recently I went online to view my statement and noticed I didn’t have a 0% APR. I called customer service and experienced the worst unprofessional people I’ve ever talked with.The first one insisted I give her the activation code I received when I sent in my application. I told her it had been a few months ago and I did not keep that piece of advertising. She eventually transferred me to another department because she claimed she had no access to applications. Well, I was transferred to another surly person who repeated the same thing to me and once again transferred me to another dept who handles applications. This next person basically repeated again the same things. Was I livid? Yes! They were inept, and unprofessional. One told me if I didn’t have the activation code I could just be lying.

This shows you the quality of people they deal with and assume we’re all alike. I got transferred to another person who was no better. He mumbled and told me he saw nothing that indicated I should get a 0% APR. But he could offer me a 0% APR on a balance transfer as a courtesy. I asked him why would I want that when they can’t even honor their advertising. I had no problems when I received a 0% APR promotion in the mail from Discover and they followed through after I applied. That’s how business should be. I am done with Citicard for their juvenile customer service that treats people like crooks and their deceptive advertising. They are completely unethical.

Three days later I called customer service back (as always, I get a customer rep in India that gives me a number of explanations as to why the card was delayed). However, the rep said my new card would arrive that day, which it did not!!! It is now 6 days since Citi customer service told me my replacement card would overnight to me. Since it's approaching the end of the month I have to change the auto payments to another credit card.

This is not the first time I have had problems with Citi MasterCard. In the summer they sent out notices they were changing from Citi Visa to Citi MasterCard and the transition would be smooth, which it was nowhere near the truth. We couldn't log in to our account for weeks during the transition and pay our bill or review charges. We finally had to pay over the phone. Secondly, we now only have access to monthly statements online from July 2018. All the Visa monthly statements are no longer available online. My accountant needed my 2017 annual statement and monthly statements. Therefore, I had to call Citi customer service and I was informed they would have to mail me copies, which I would receive in 7 to 10 business days.

You guessed it. The monthly statements never came. I had to call back several more times regarding the statements and finally after 4 weeks finally received the statements in the mail. The only reason I had the Citi Visa in the first place was we had a Citibank checking account. However, in 2016 we received a letter from Citi informing us they were closing all of their branch locations in Massachusetts. Obviously, we had to change banks!!!

Upon receiving my letter, without notice, Citi closed my account for "new Tax ID" number. I already met promotion requirement (spent $6000 for $4000 in 3 months for 75,000 mile promotion). In addition, due to 3 month early CC closure, credit inquiry to re-open my account and to get a new AMEX card (2 inquiries and 1 early closure in one day) dropped my perfect credit score from 850 to 835. All my credit cards I've had since 1990's and never closed an account or missed a payment. One of the supervisors called me asking me to re-open my account since they made a mistake, so I calmed down and agreed to let them reverse "all the mistakes" made. That was 11/15th and I have gotten no response from anyone, called 3 times and will continue to call.

I will list desired outcome below not to be reductive. Desired Resolution: Contact by the business. Desired Outcome 1. I would like my credit card re-opened. 2. I would like to get my 75,000 miles promotion which I met. 3. I would like Citi to contact Credit bureau and take off "early account" closure off my reporting. 4. I would like a response from corporate and/or supervisor to rectify the mistake they made for which I had to suffer BOTH personal and business harm.

Since it is my smallest credit-card limit, and I've had it over a year now (the zero-balance rate is about to expire), I decided to pay it off with a new balance-transfer card from a different institution. I originally asked for the transfer on 10/19/2018, which was approved by the other institution on 10/23/2018. But, as of 11/2/2018, it still had not been applied to the Citibank credit-card, so I called both institutions to find out why. Apparently, Citibank refused an electronic transfer from the other institution, so a check had to be mailed. Ok, whatever. As of 11/09/2018, the check had not yet arrived. But, apparently they received it on 11/10/2018 - they sent me an email saying it had arrived and had been applied, and my available credit went up by the transfer amount. OK, it took MUCH longer than expected, but everything finally looks good, except...

Although my available credit went up by the transfer amount, my balance ALSO went up by the transfer amount - my current balance, plus my available credit amount, now exceeds my total credit-limit by the amount of the transfer - yet when you look at the spending details since the last statement, the detail listing shows I've spent just over $300, but the summary list says I've spent just over $300 PLUS the amount of the transfer. So, somehow, they applied the balance-transfer payment as a debit, although my available credit did go up by the transfer amount.

The real trouble started when I tried to call and find out what was going on (I first tried the Chat feature on their web-page but the person on the other end had no idea what they were doing, had no customer-service skills, and couldn't answer any questions, so I then called their 800-number instead). Before they could review my account, they needed to verify who I was, and they asked for my code-word. Although I use code-words with other institutions, I've never given Citibank a code word; nor did they ever ask for a code-word when I called them the first time to find out why the balance-transfer hadn't been applied yet (I was rather upset that a check had to be mailed instead of an electronic transfer, so did an employee apply a code-word out of spite?).

They kept insisting that my code-word was a pet's name that began with a specific letter of the alphabet. Other than aquariums - and no, I don't name my fish - I haven't owned a pet in over 30 years, and never had a pet whose name started with that specific letter of the alphabet, so where that code-name came from, I have no idea. What code-words I do use are always ex-girlfriend's names that has some relation to either the institution itself or to the time-frame of when I started using the institution. And, I have never had a girlfriend whose name began with that specific letter of the alphabet.

So, since they couldn't verify me by a (non-existent) code-word, they asked for a phone number instead so they could send a text for verification purposes. I gave them the same phone number that's on the account, which is the same phone-number that they send me twice-weekly automated texts about my balances, yet they said their system wouldn't "accept" that phone number. So, I had to wait and talk to an account-rep before we could continue.

I was on hold for over 20 minutes (thank God for speaker phones!) before the customer-service rep and the account rep both came back on-line (although there were many times I heard clicks as if someone was checking the line to see if I had hung up), and the account-rep was finally able to verify my identity using the recent payment methods I had used. Finally, we're getting somewhere! Except...

The first thing I tried to do was find out what my code-word was - they refused to tell me, but they did ask if I wanted to changed it. Of course I did! When I tried to change it to "I hate Citibank", they told me it has to be less than ten characters, so I asked to change it to "CancelCard", which apparently they couldn't understand because they kept trying to spell as "B-I-N-something". When the customer-service rep finally got it (correctly) changed, I could hear the account-rep in the background tell the customer-service rep, "just cancel the card and hang-up on him". Of course, I got upset! I told them I didn't want to cancel the card, I just wanted that to be my code-word, since it was going to be something (really!) easy to remember.

At this point, the account rep and I started arguing about the service I was receiving, and I ended up I hanging up on them out of frustration, never having found out what happened to the balance-transfer. When I then tried to log back in through their web-portal, I immediately get a message saying, "There is a fraud alert on your account - you must call Customer Service before continuing. Really?!? At this point, I have "canceled" the card myself by cutting it in half. We'll see if the balance-transfer gets applied (my next step is to file a complaint with the CFPB), and I will simply pay-off the remainder of the balance due, then never use the card again!

All attempts to communicate and find a specific explanation and solution were refused by their Indian staff using the same buzz phrases. "There are no options, I am not able to verify, I don't have access, my supervisor will call you back, you will receive a letter explaining..." Repeated over and over! After my fourth phone call to another agent, I finally reached someone who unblocked the card. However I was not able to reprocess my transaction which was a birthday present for my wife as the time spent to resolve the issue went way past the closing time for the store.

When I discussed this with the lending manager, he stated the appraiser did a drive-by - how can you appraise a home with a drive-by. I asked to see the report as I doubted its accuracy and the manager said I'd have to pay for it. This is ludicrous. Now, I think that manager put something negative in my file and I am look to involve my attorney. CITI used to be great, but they have gotten rather underhanded in their dealings with individual consumers.

My husband does not have a cell phone and is literally on a special secret assignment. This is ridiculous. Finally he was able to have a code sent to my phone and change the address on the account. Literally he called 5 times in the middle of his night after waiting for a government phone in a tent. I guess, still not sure the address has been changed on the account, finally. I made a payment, but was not given specifics on balance. I hope that at least this issue has been fixed. Way to stress out a soldier Citibank, and put him in harm's way because you kept him up and stressed him out. This cannot be the first time they have worked with the military. They need to get it together.

To make sure the vendor would follow through, we filed a dispute with Citi for all of the payments, and provided them with the supporting documentation they requested. We were strung along by Citi for several months, during which we had to contact them by phone to get updates on our disputed charges. Finally, in August, we spoke to a supervisor who reviewed all the supporting documentation that we had provided Citi, and assured us that our dispute file was complete and the charges reversed. We later learned to our dismay that this was a fraudulent claim, and that the Citi representative had lied to us about the disposition of our dispute claims.

More than a month later, we were told that only one of the payments out of the 6 was indeed permanently reversed, and that four others were pending a response from the vendor. We are awaiting a determination. The vendor refused to reverse one of the payments, and Citi said that it could do no more for us on this payment, despite the fact that all 6 payments were made under the terms of the same contractual agreement that was cancelled back in May. The fact that Citi has done such a poor job of following through on our dispute, is compounded by the fact that they misled us as to the process, and the inconsistency of their reversing one of the 6 charges based on the exact same documentation that supported our claim for all the charges. We are now being told that Citi will no longer pursue this charge, and that we have to appeal directly to the vendor to ask them to do so.

We should point out that we had some charges for this same cancelled contract made to our Chase credit cards, and that Chase quickly resolved our dispute with this same vendor in little more than a month, based on the same documentation. Citi obviously does not have the same standard of customer card as their competitors. We will no longer use any of their financial products and will discourage others from doing so.

So I finally went to Citibank branch in Singapore and the staff there was so surprised that it has been unresolved so long. All process began again as usual. Explained what happened and had to fill up the format. Today there was a call from dispute team finally! And stupid enough, had to explain all over again. She was asking whether I'm okay to receive just two hundred dollars voucher which I thought it is kind of token to express their apology. Guess what! She was trying to negotiate with me to close the case by giving two hundred dollars instead of returning back total eight hundred fifteen dollars. When I refused with fury she said, "I see, you want full refund is it?" Seriously they are beyond imagination! Now even cannot tell me when they will give me money back.

So I waited and called the next week and they had received my form and said the my Social Security number all checked out okay, but that I didn't mail in the second page of the form (which was just a privacy statement, containing no initials, signature, or information for me to complete) so they could not accept my form and thus could not activate my card. So they promised to mail me another form. In the next two weeks that passed, I received e-mails from Citi asking why I had not yet activated my card and a couple contained a link that supposedly would do so, but that failed to work. I didn't bother to call but I thought how stupid for them not to turn off those reminders if something was holding up the card activation. This company obviously lives in the dark ages with their technology.

I finally did receive the new form and this time I returned it and every piece of paper that came with it. I've called back and they still say that they haven't received it. At least that was the best that I could understand them in whatever language they were speaking. I asked to speak to a supervisor this time and at least I could understand them clearly as they told me that they couldn't help me. So here we are two months gone and still I can't activate my cards, which have been approved and a credit limit established. If this form is needed, it should be made a part of the online application process. They don't even include a self addressed or window envelope with it and don't warn you that it's coming when you apply. I can't get anyone to explain to me why this was required or if it's asked for every time, or why in my case I was singled out.

I was totally upset by the misinterpretation of this T&C not only by the adjusters, but supervisor as well as Operation Manager. The above statement as per my understanding and also confirmed by the manufacturer pertains to the consumable parts which is not covered, unless the damage to the consumable part is due to defects in materials or due to workmanship or due to software. However the Citi benefit people are misinterpreting this by splitting this sentence into two parts and eliminating the last reason for the defect [Software] and saying, "The Limited Warranty does not cover Software". This is a generic T&C used by many manufacturers and the intent is to provide warranty to the consumables if they are found defective due to the damage to these 3 things - material, workmanship or software.

I am so frustrated with this level of misinterpretation to deny my claim, that makes me wonder why Citi has this benefit when they are out there to deny our claims. Anyway, I went ahead and contacted manufacturer who clarified this T&C. They said - 1> Software are covered. 2> The above T&C is related to consumables.

When I clarified this to the Operation Manager, who first refused to agree that their interpretation is wrong, but when I mentioned I have manufacturer's email clarification, then he told me that, irrespective if a manufacturer covers software, Citi Warranty excludes software. I then questioned him on their T&Cs, which he failed to provide. What he provided was T&C from their 'Price Protection' benefit which excludes software. After this, he apologized for his misunderstanding but still refused to fix the issue. He kept on saying, the T&C states software are excluded from warranty, and on pressing him, that he is wrong, and I have email clarification from the manufacturer, he agreed to call them to figure out the correct meaning.

Irrespective, when a manufacturer confirms that they cover software which I have in writing, why is Citi Benefit Dept, denying a genuine claim. This is pathetic service from the highest authority in Citi Benefit, and I repent being their customer. They should learn from Discover and Amex. This is my 2nd claim with Citi Benefit and both had issues. Even my first claim under Price Protection was denied even after producing screenshot, and they had to call the manufacturer to confirm which I had to press for it as they kept on denying claims. No wonder this company fares so poor in every aspect of customer service.

As a result of this, we have cancelled our card with Citibank/COSTCO and have shifted a majority of our warehouse purchasing from COSTCO to SAM'S Club, in addition to obtaining a similar credit card from SAM'S (that did not have the difficulties and failure of service that Citibank had). After reading the adverse comments that are published, I see that my situation is not any different than many others who have had the same experience with the Citibank/COSTCO card. Warning: steer clear of Citibank and view with skepticism the leadership of COSTCO for their decision to foul themselves by associating with a company that appears that is dishonest in their dealings with customers, and does not seem to have any sense of what customer service is supposed to be centered around.

Needless to say, it’s been 6 days and I still don’t have the refund. I have called every day and they keep giving me excuses about how many reviews it has to go through. I will NEVER own another CitiCard! It’s completely unacceptable for someone to not get a refund for a month and for a company to keep MY money hostage!

Since than I spoke to at least 4 different representative, but like a broken record, they said that they send us a letter for verification and that there is no other way to either closed the account or issue another card as the bank does when a card is stolen, leaving us without a credit card for who knows how long. Doing stuff by snail mail could take forever. It looks like the bank puts themselves first and the customer last.

I know a lot of my friends who got fraudulent activities/charges and hard to reverse with them. My dad wanted to sue them because he lives in CA and someone has been ordering some stuff recurrently in Florida under his CitiCard. He reported it to them repeatedly to stop payment but they never did and he had been calling them daily for 2 weeks until he finally said, "I'm a senior citizen who is probably being scammed by CitiCard itself or one of the employees, I will call the police, file charges and call my lawyer to sue you!" Stay away from CitiCard! Or better yet, we probably should file a lawsuit for their fraudulent practices!

Turns out that I did not make the payment early, Citi just charges interest the month following their 'grace period' (what other companies call a due date). The extremely disappointing part of this is that my Citi card has the highest interest rate of any card, so I get charged double the high-interest rate. Just this month, I made my final payment then was hit with interest the following month even though I paid my Statement balance in full. In all of the credit cards I've had over the years, I've never experienced this with any other company. This is my last time using Citi card.

Finally, about a day later, I was able to get in to my account. All was well for maybe a day more, but then I had some purchases declined. I then received the dreaded message from Citibank that due to "unusual activity" (none of which was showing on my account page), I would have to contact them. They asked for my phone number to verify me, then said that this number, the only one I have, was not verified. They asked for a landline or a direct work number, neither of which I have. (I work at a school, and we do not take or make personal calls from our desk phones.) Then they asked for a credit card number from a different bank, I was very reluctant to provide this, but eventually I felt I had no other choice so I did provide one from Bank of America.

After a very long wait, the rep came back to tell me that while they were able to confirm that this was a valid account, there was a mismatch of some information. He was by that point treating me, I felt, like some kind of criminal, like I was deliberately trying to perpetuate fraud. He kept telling me he was not authorized to tell me what the information mismatch was, or what the problem with my phone was, and made some comment about reporting my situation. Reporting as in... getting me some help? Or filing a complaint against me? It was pretty unclear.

I was calling from my workplace, so I know that I didn't use any bad language, nor did I threaten anything more dire than that I would stop using my card, but if asking questions and sounding grumpy is cause for alarm, I bet Citibank reps are alarmed all the time since who wouldn't be grumpy with the world's worst customer service? At any rate, I am waiting for them to snail mail me some form which will ask for who knows what type of verification. A DNA sample, probably. And then it still won't be good enough. 2% cash back, my ** (see, I still didn't use bad language). I can't earn cash back if I can't use the stupid card, and I wouldn't think it's doing them any good, either. I'll go back to using my 1.5% card, since cash back in hand beats an endless customer disservice nightmare.

"Thank you very much for the detailed information provided in your voicemail! I was able to locate that authorization, which is only a temporary authorization; unfortunately, when I attempted to have it released through our Merchant Services center, the request was denied by the bank. I then called Citi directly and was first working with someone who seemed like she was going to be able to release the hold. However, I ended up getting put back into the queue, got another agent, and was subsequently hung up on when they were trying to find the first person I worked with. I did try calling back again, but this time, the person said there was nothing they could do to assist me. I will say that, particularly with Citi, it seems to depend who you get a hold of when you call them.

Some associates will say they can’t release authorizations anymore and you will have to wait the 30 days, while others seem to have no problem getting the authorization released. So what I might recommend is reaching out to them directly to see if you might be able to get through to one of those associates who can get the hold released. I do apologize for the inconvenience, and welcome any other questions you might have!"

...So I did call Citi and was on the phone for over an hour where I was passed around to 5 agents, 1 of which told me I could always report my card stolen and then I would not be responsible for the charges and they would just send me a new card with a new number! When I told her that would be considered fraud and illegal and that I wanted to talk to her supervisor I was then disconnected or hung up on, not sure which. I then attempted through their online chat agent but was told he was unable to release the funds back to my card and that I needed to call the hotel, that they are the only ones who can request the release. So at this time I have just sent the hotel agent another email, hopefully she'll have better luck this next time. If not, I guess I have to wait 30 days or something ridiculous!

The next morning I went to Citibank and explained my situation to the very understanding banker, she called the fraud department and gave her position etc, and told them that I was at the concerned bank in person with my ID etc and can they accept that. They said no, they would need a different credit card to verify that way, reluctantly I gave a different visa to get this sorted, but they then said that didn't work and I would have to wait for the letter. The kind Banker couldn't understand their logic, and neither could I as I was at the bank in person and the problem was confirming my identity. How ridiculous - could this be a good bank to bank with if their service is so poor. ;-)

I'm like wow, WTF? I have never been treated like this by any customer service in all my life. Perhaps Citi should review the conversation and fire whoever it was I talked to because instead of receiving help to fix a screwup by Citi that had nothing to do with me, the person that was supposed to help me insulted me, blew me off, and hung up on me. That's my payment for being a loyal customer who always paid my bills on time for over 12 years. Citi don’t want my business? Fine, I and my family will never use another Citi service.

I escalated the complaint to a supervisor and he also provided the same reasoning. I never cancelled my card hence the clause they inserted in very small print in their application was “American Airlines AAdvantage bonus miles are not available if you have had any Citi AAdvantage card opened or closed in past 24 months.” According to this I should not be victimized since an old account was closed by Citibank without informing me and without any record. Since I did not cancelled the account Citibank cannot penalized me under this hidden clause. This action seems to be very “fishy” and nothing but a very poor customer service. Not only I will stop doing business with Citibank, I will advise hundreds of my friends in USA and abroad to stop using Citibank. I hope all the readers pass this Information to your social network to make sure Citibank can’t get away with this kind of lousy customer service.

A third dispute I was promised I would receive a call from Citibank asking for my documentation, but I never received any phone calls since the promised date. I have called Citibank’s President’s Office and spoke with Tessha ** who told me she would help me resolve my dispute problems and call me back, which she never did. I followed up with several voice mails to Ms. **, none of which were answered back. I then sent multiple emails to Citibank (executive.response.unit@citi.com), none of which have been returned.

I am now going to The Office of the Comptroller of the Currency - United States Department of the Treasury, and also to the Consumer Financial Protection Bureau, for help, since Citibank is apparently incapable of managing customer disputes, and whose President’s Office NEVER returns phone calls or emails. As soon as these three disputes are resolved I am moving all my Citibank and Citicard accounts to Chase Bank. Enough is enough already.

I provided all of the following information to Citibank to aid in their investigation. I had rented the car through Southwest for an amount certain and specific, and upon arriving to claim the car, I got a confirmation contract from the rental agency with the exact same time and terms as Southwest quoted. When I returned the car on time, the agency stated they would email my receipt.

The next day when I received the emailed receipt, I saw that they had overcharged me. In effect, they had basically penalized me for renting the car for less than a week, when they knew I would be renting it for less than a week. They showed a charge per day that was more expensive than it would have been for a week. I presented all proof to Citibank, including all of the contracts and correspondences. The final email contract was clearly not accepted by me, as I never even signed it. It did serve to show that I had not purchased additional items, and that the agency knew I'd only be renting the car for 4 days.

Citibank closed the dispute in favor of the rental agency, with no explanation other than to show me the agency's response, which was a couple of sentences with spelling errors, and a copy of the unsigned email contract with the overcharged amount, stating that I had agreed to it so I wasn't getting a refund. I then contacted the BBB, and they got me a refund of the entire amount, plus multiple apologies in a detailed message from the rental agency admitting that they had "accidentally" overcharged me.

The internet is replete with similar experiences customers have had with rental car agencies, and Citibank has got to be aware of this exact same issue, wherein rental car companies deceptively rent cars for durations shorter than one week at a price stated that is less than the cost for one week, only to turn around and slap renters with rates higher than that charged for a week, because the customer did not rent for one week when the agency knew for a fact ahead of time that the duration would be for less than one week. This practice should be penalized by Citibank and other credit card companies as a means of forcing rental car agencies to end this deceptive business tactic. Citibank should have found in my favor, instead the company made me spend time contacting the BBB, and obtain my refund that way.

I call Citibank slightly frustrated because it's always frustrating dealing with them. Of course I can't understand him and he ends the call VERY rudely and tells me to call back once the payment processed and ask for a refund then. A week goes by and I call to initiate the refund. They tell me no problem, this will be done in 7-10 business days. Some time goes by and I'm not seeing the money. I call them today and was told the refund was denied and they had lowered my credit limit to over $1000 less making it so I am over my limit currently with absolutely no notification about any of this.

Regarding my credit limit decrease, they told me to contact Equifax which it doesn't make sense they Equifax would specifically lower this card's credit limit when I have more than ten accounts that are way below their credit limit (by thousands of dollars) and none of those have been lowered. Not to mention the fact that I was just approved for a store credit card! They are trying to see if they can get approval for the $940 refund and will contact me (hopefully) within 7-10 days.

Oh I also forgot to mention I was charged twice for my monthly payment and again was informed today it was approved and still processing. That refund was initiated before this mess happened, about 3 weeks ago. My personal bank does not take long to deposit money into my account. I will be contacting the BBB and will demand my refund back. This is unnecessary and absolutely unacceptable. Once this mess is sorted out I will be taking yet another loan out to pay this card off and I will NEVER open another account with Citibank nor will I recommend this company to ANYONE!!

I will be closing my accounts with them and sticking with my other credit card carriers that know how to treat their customers! Save your inquiry and save yourself the headaches of dealing with this substandard company. And to make matters worse the money they took away was going to be used on my baby girl that is due in 2 months. Thanks CitiCard for not being there when I need you!

The phone support reps are poorly trained, or maybe just incompetent. They all have thick accents (probably outsourced). I could deal with the accents, but the sound quality itself is TERRIBLE. I'm guessing that's an artifact of being transferred 3+ times before you finally get to someone who can solve your problem. Quality probably degrades with each transfer.

The phone menus are atrocious! I went through several steps of verification in menus, only to be asked the same exact questions by the customer support rep. They ask you for your full card number and social on the phone. That's an unnecessary security risk. They should only ask for the last 4 for authentication purposes. Or, even better, send you a one-time numeric code via text message. By comparison: I had a similar issue with American Express, and it was resolved on a single phone call by a single representative, in less than 10 minutes. They also verified my identity by text message, which is much safer than asking for your social. If you value your time, dodge this bullet: stay away from Citi!

So here's my story: I was instantly approved via online application on May 23, 2018. It is now June 30, and after a cumulative 2 hours on the phone, I still don't have my card yet! After these dealings with customer service, I wish I'd never opened this line of credit, but it's too late: They've already started reporting to the credit bureaus, reducing my average account age and dinging my score. I wish I could go back and choose a different card instead. I can't do that, but I can at least write this review so that others don't have to suffer like me.

The first card never made it to me, so I called to have another one sent. I had the second one sent to a different address (an apartment, where I have a dedicated, locked postal box). After waiting for [another] 15 days and not receiving the card, I tried following the instructions in the confirmation email: Logging into the online system to view the status. Only one problem: You can't create a login without having the card number, which can only come by snail-mail.

Continuing to follow the instructions in the confirmation email, I tried calling the number at the bottom of it. The first person I talked to said I was in the wrong department, and that I needed to talk to the "Application Status" department (even though my application was already approved). They transferred me, but I landed back on the same phone menu (not with a person). I tried navigating through this menu differently (a second time), only to end up with the same department (but a different agent). The second agent was able successfully get me to a human being in the right department, who proceeded to ask me the same identity verification questions for the 3rd time! (4th time if you include the automated system).

This agent was going to go ahead and send me yet another card, and verified my address. It was at that moment when I asked the agent: "what apartment number do you have?" As it turns out: they didn't have the apartment number. I can only assume that's why the last card never made it. Had I not asked this question to the agent, I'd have gone through this cycle yet again! I could not have known myself that they didn't have the apartment number, because the confirmation email they sent doesn't even have the ship-to address on it, and I cannot manage it online without already having the physical card.

The fact that this could even happen proves that their system does not validate postal addresses against the postal service before they print postage. In 2018, that's really basic stuff for anybody who ships anything. When Citi is making these sort of "elementary" mistakes in 2018, it really makes me wonder what other sort of flaws exist in their system.

It was an hour ago that I got off the phone with that last agent, and I have still yet to receive any sort of confirmation that my address was updated and a new card was sent. What if the person making that request was actually an identity thief? I, the account holder, would have no idea that this even happened, because they haven't sent me a confirmation yet. Very disheartening... Steer clear of this incompetent company. I can't imagine there are companies worse than this, but I know there are a handful that are MUCH better. Get an Amex: You won't be disappointed!

Citibank is WAY TOO BIG for its britches and is going to really lose business. They don't work on customer service. But the most frustrating thing was when I finally paid off my credit card, on the phone while talking to someone, I got a bill for interest three weeks later. The guy on the phone said nothing about receiving a new bill a month later! That is a load of crap!! I will never use Citibank again and don't recommend it to anyone. As a matter of fact, I will make it a mission in life not to use anything that is owned by Citibank and its conglomerate. I will also be doing EVERYTHING I can to warn other people.

CitiCard continued to deny receipt of refund. Amazon supervisor urged me to request CitiCard to file a claim/dispute for the refund, saying every bank has procedures specific to that bank to follow up on behalf of their cardholders. When I followed up with CitiCard to request a claim on my behalf be filed, I learned that the Amazon rep's comment that "every bank has procedures to act on behalf of cardholders". THAT DID NOT INCLUDE CITICARD as the rep (knowing product had been returned and Amazon had stated refund to me had been processed by Amazon) told me it was up to me to either get the refund or pay the $549.95 shown on my account as an unpaid charge plus late fees and interest charges CitiCard had added. I had struggled for more than 6+ months communicating with CitiCard, Amazon & seller (both Amazon & seller concerned I still did not have refund) to no avail.

CitiCard said there was nothing CitiCard would do despite Amazon providing a phone number for CitiCard to follow up, etc. CitiCard obviously has all the documentation to clarify any confusion that may exist between CitiCard and Amazon. I DO NOT! I have done nothing wrong to create this problem. Reps are rude and arrogant. Have always had excellent credit - every bill paid in full every month -never ever had this type of experience. Obviously I do not have access to the accounting records of either CitiCard or Amazon. How can I possibly resolve this matter that threatens to damage my excellent credit??? The ultimate insult is that the CitiCard reps are referred to as "Response" reps. NO WONDER EVERY COMMENT AT THIS SITE IS "VERY DISSATISFIED WITH THE EXPERIENCE!" THIS HAS BEEN AND CONTINUES TO BE AN ABSOLUTE NIGHTMARE! I am urgently in need of help.

I advised I did not have any other cards with Citi and I use an alternative for my banking but I let them know who my employer was and provided a phone number. I was placed on hold for around 5 minutes before the agent tells me that they were unable to verify my account due to an extended hold time when they reached out to my employer. At this point I was extremely irritated and asked why they even needed to speak with my employer to which the agent responded, "I am not allowed to say."

After reading other reviews; it is obvious to me that Citi has decided that they do not trust their long-time card holders and feel the need to pry into our finances and livelihood to determine if we are worthy. I have an 820 credit score and have never missed a payment or even paid interest to Citibank. My wallet is a little lighter today but I won't miss this card. I advised the representative that there would be no reason to go any further and I would be doing business with other banks.

I called up Citibank the next day and got a very nice gentleman on the phone who was so apologetic. He also told me that it looked like Citibank made a mistake by putting in the reason for the dispute as "RETURNED ITEM BUT NEVER RECEIVED REFUND" and that was why what happened happened. I sighed with relief because now I understood why I received that response! He said it would be much more cost effective and easiser for them to just credit me the shipping cost an 25% restocking fee the merchant offered me. Fine. Beautiful!

He wanted to make sure the merchant would still expect the return so he called which was very nice of him. He was on hold a while when he came back and said they never answered. I joked that now he knew the reason for my dispute lol. I told him I will call and make sure and call them back. I called the merchant who agreed to take back the sofa BUT now... the shipping fee was never included in that amount. I would have to hire my own courier to ship the couch to a different state. I received a quote of an additional $210. I figured Citibank made a mistake I shouldn't have to pay for it so I called them back.

I spoke to a new person the next day. Mind you, everyone I speak to is automatically assuming I don't know what I'm talking about until I walk them through all the paperwork and dispute information. This time I spoke to a nice woman named Meredith. She ALSO was very apologetic once she realized what happened and how Citibank marked the wrong dispute information. She said she didn't have the authority to give a larger credit but she would put in a request for a call from a supervisor right away to help me out! Great. A little bit of a runaround but... I get it.

The next day... I get a call from someone who was VERY rude right away. Rachelle. I went on to explain the situation... for the third time. This person completely flipped everything around and said something completely different. She said that I didn't follow any info that was in their return policy. That I didn't return it within 15 days. So I stopped her and told her it had nothing to do with that because they will accept the return but with a 25% restocking fee because they didn't agree with me that that it wasn't as described (which was what the dispute was!!!).

So after some horrid back and forth she said she would recommend that I return it and send them proof. So I said "Okay! If I return it the dispute will be reopen?" and she said she couldn't guarantee that. To be clear, my dispute was closed. She wanted me to PAY the courier $210 to return it to not even be sure if Citibank would still help me or fight for me. Let alone be sure if I would get any money back.

ALSO as a side note, which really made my blood boil, was she had the nerve to say Meredith and the nice gentleman that helped me in the previous days were "ONLY REPRESENTATIVES" and didn't understand the situation and that she's the supervisor. How can a supervisor of a company as big as Citibank throw their people right under the bus. The only people that helped me were the people she threw under the bus. I would never write a bad review if they fought for me and found the merchant to be in the right. But what I absolutely did not like is the admission of a mistake and no willingness (or ability) to help me at all. Citibank is a big company. Train your people. Own up to your mistakes.

Now I am pissed!!! I left the bank after he finally put in my payment, and I immediately called Citibank where I was told that they will not take cash from me or anyone starting in July. I was told to use the ATM... BUT... I don't have a ATM card and will not deposit cash into a machine. I have been a customer in great standing for nearly 20 years! I am now rethinking my decision to stay as a customer. Unbelievable! They need to close their branches if they refuse to take cash!

All that just to try to remove my name from an account I had no knowledge of. Then this stupid woman tells me it'll take 30 - 60 damn days. My daughter is 2 and she could read a letter faster than that. SAVE YOUR HEADACHE and DO NOT, FOR the LOVE OF GOD, DO NOT USE CITIBANK or any of their RESOURCES!!!

She claimed that the duplicate payment was put toward my balance, which is literally impossible because how can money that doesn't exist be put toward my balance?! Needless to say they refused to refund me the duplicate payment as well as my overdraft fees. Luckily, I have my checking account with TD Bank where the CSRs are very polite, well-trained and willing to help and they reimbursed me the fees. I am closing the Citi card, transferring my balances to a new card, and will never use Citibank again.

To take advantage of their offers, you pay a percentage of the amount so they nail you with that. I bit the bullet on that but, whatever. However, when their promo ends and you want to pay it off, they make no mention of it other than hiding it on the last page of your statement. I knew that I had a promo offer ending on 5/1. I was taking a trip so I made a huge payment of $5000 before leaving. I assumed that this amount would apply to the $3000 that I had as an expiring offer. Nope.

5/1 came and went and they took my $5K and threw the promo rate into standard purchases slamming me with interest charges. I called and what once was a pleasurable experience with the company, went dark. I was told that I had to call in to satisfy the promo amount. Huh? I've been a customer for years and you would think that they would give me a courtesy message in my account indicating to me that my promo rate would be expiring and that if I wanted to pay it off, to give them a call. You know why they don't? They want to make sure that you pay back the interest free that you've had for over 18 months. It's deception and I don't want anything to do with this. Shame on CitiCards for doing this to their cardholders. Not cool. When I pay you off, I'm moving on.

You would think they would try to make contact with you on why the sudden increase in debt. I actually lost a family member and needed to take an emergency loan. Even that will be paid off soon, their reasons was their credit bureau makes their decisions. So basically, all your hard work on keeping up with payments on time and not maxing out your credit and doing a good job means nothing if you have some other issue come up to where you take out a loan or whatever. I was so disappointed (which is me speaking proper). Unfortunately, I just now seen HOW LOW their rating is, with all these other reviews. I now see I went with the wrong card, my suggestion, do not go with CITIBANK. Capital One and American Express is much more professional and customer friendly.

Around 9 am I visited a retail establishment, the card was declined twice for $12.00. Immediately, I called CitiCard - the representative relayed "your account was closed and new cards were issued". This upset me as I have several fiscal matters of my 4 member family tied to this card. After speaking with 6 phone agents on today, I had to push for compensation or miles to get some satisfaction. The 3rd agent offered 1,000 miles - which was not fair in my opinion since they did not offer anything for their gross error. The second offer was 2,500 miles. I was annoyed because he said 25,000 miles at first but changed his statement. I can't go anywhere on 2,500 miles and told him, if American Airlines makes an error with my seating or other inconvenience 3k miles is the lowest I have received.

The last rep by the name of Jeff was a stone wall robotic figure who did seem to care about both a husband and a wife on the phone asking for our Annual fee on the card to be compensated or 25k miles. He stood by 3k and did not care less of all of the undoing and manual contacts my husband and I have to make to remove the old card number and add the new one. Jeff, Dwayne and Jake offered to make an internal complaint of Paolo the culprit who made the error on April 11th and Kelly the Supervisor who blatantly lied to me about getting the card send FedEx this morning around 9:30 am.

The same error escalated into a calamity which CitiCard will not own. I want 25k miles and compensation of the annual fee. This is the least CitiCard can do for all of the trouble Paolo caused by misrepresenting me when he checked off the boxes that he advised me my account would be closed when he did NOT. CitiCard needs to make this error right without delay.

So I wrote the Customer Service Center in S.D. and got a form letter back in a few days, apologizing for any inconvenience and thanking me for contacting them "about your Balance Transfer." Which of course was not the subject of my letter. Further down in the form reply there was a note saying that I could get a zero percent rate until 10/01/18. All I had to do was call them to activate it. Remembering what happened the last time I called the offshore call center, I decided instead to quit using the Citibank card.

The statement comes for December, some of the fraud charges she was supposed to cancel are on the statement. I call again. Oh sorry, she must have not finished the procedure for cancelling charges, ok done now. They're cancelled. So, I should just short pay the cc bill? Yes, short pay the bill. The statement arrives for January, complete with carryover charges from December's statement, plus an interest charge. What?!! On the phone I go again. This time the lady I get is argumentative to boot. I don't even remember what point she was trying to make, but I finally had it with her, asked to speak to a manager. Long story short for this paragraph, I was on the phone for an hour literally until the manager finally came on. Again, same story given, the last lady must of forgot to press something or other on her computer to put through the charge reversal, but now it's all taken care of. Go ahead and deduct the carryover and interest charge.

Just got my February statement and oh look, carryover charge from February and yet another interest charge. Again I call, this time the guy doesn't waste my time too long, just says I need to talk to a manager to get the charges reversed. Please wait. 10 minutes later he comes back telling me that all the managers are busy, call back later. This is their customer service answer after all this: call back later. I tell him no, you have your manager or an account specialist call ME later, enough of wasting my time. He confirms my phone number on the account, says that I will be contacted soon.

So far, no callback, and I highly doubt I'll get one. This is just ridiculous service, absolutely terrible. I'm going to have to call again, again waste [if I'm lucky, "only"] an hour, with no guarantee that "Trixy" or "Jean" or "Kevin" (didn't know they have such names in India) will actually resolve this without me having to find somebody higher up the food chain there. Very aggravating.

Thankfully I can and did. Not everyone has the finances to do this. After talking to a rude supervisor who told me literally it's THEIR CREDIT AND THEY CAN DO WHAT THEY WANT, I said, “Thank you and have a nice day.” CUSTOMER BEWARE! Citibank are setting you up to lose. I can't believe it's even legal to do what they did. I am making paying down these two CITIBANK SCAM CARDS a priority and will never use them again. Oh, I'm not closing the accounts, I'll keep their credit, I'm just never going to use them again.

I asked why they did not call my cell number and they couldn't answer. And yes they do have my cell on record! They also said they don't leave messages. Probably called my home during the day. I'm not there. I'm working! The only way I knew I was 4 month behind was I got a FedEx letter from asking if I wanted to settle for less than half of what I owe. I don't even want to do that. I want to pay all of what I owe them but I want the missed payments removed from my credit history. They are refusing to do this.

Here is my question. These Banks have been taking advantage of consumers for a many years. Taxpayers bailed them out during 2008 financial crisis. I have been paying my monthly payments, and they do not offer any incentives for the American Taxpayers Consumers that been with them for over 10 years. US Government shame on you for bailing out these institutions that take advantage of hardworking Americans... We are forced to pay our bills or a credit scores goes down... banks get bailed out with taxpayer money... and CEO make millions in bonuses!!! Make America Great Again.

A few minutes later, she came back and said "the person" (Dawn, a supervisor in Jacksonville, FL) reviewed our 12/20 10:34am. Call said I never spoke with a customer service agent on 12/20 - I only used the automated system. We will pay over $1000 in interest charges due to their lying. The only way I know of to get a copy of the 12/20 recorded call is through court discovery. Customers should have the right to their own recordings.

But this is not enough for them. They still keep charging me new interest charges--in fact, interest charges on the interest that was accumulated from November. Even though that interest charge was paid off in December and again in January. And now she insists that even though the interest charges will be taken off in March, I still have to pay them first! Does this make sense to you? It doesn't to me. And she just kept repeating herself over and over. I really miss the friendly people at American Express. It is very obvious that as a Costco customer, I am of little or no consequence to this large banking system. I still really like Costco, but why as a Costco customer I am treated with this inflexibility and hostility by Citibank, is very frustrating. They must have taken over the Costco accounts very reluctantly, and now we as Costco customers have to pay!

After receiving the information provided by the representative, I offered to pay off the balance by using my check card from my personal checking account. Upon providing the funds to satisfy the balance ($643.51), the representative from Citibank assured me that my account was at 0 (zero) balance. When I viewed my checking account transactions the next day, I noticed that not only was the $643.51 check card payment taken from my account, but an additional $643.51 (check payment) was taken as well. Citibank had received the check I sent and both (check card payment and check) were taken from my account, totaling 1,287.02. When I called Citibank to inquire as to why I was told during my previous call that they had not received the check payment, the representative apologized and offered a refund ($643.51) of the additional funds taken from my checking account.

Three days later (January 22, 2018), I received another statement for $588.37. As always, I immediately paid the full amount and was assured that the account was at 0 (zero) balance. As I carefully reviewed the statement for a second time, I noticed that the fraudulent pharmaceutical charge in the amount of $79.87 that was supposedly had been rectified months ago by Citibank appeared again on the statement, which prompted me to contact Citibank again (at which time, I began to become suspicious of Citibank practices). When calling Citibank, an automated service indicated that there was a balance due. Please note as mentioned above, I NEVER leave balances on my account. I always paid in full. There was never a revolving balance. After hearing the automated service, I waited to speak with a representative regarding my account.

The representative told me that there was a balance of approximately $1,287.02 on my account due to requesting a refund. I was shocked! I explained to the representative that the refund was due to overpayment. She then stated that I had charges and that I owed Citibank $1,287.02. Immediately after speaking with the representative, I asked to speak with the accounting supervisor. Channer (the accounting supervisor) explained to me that since I requested a refund due to overpayment, I owed Citibank $1,287.02. By this time, I was emotionally exhausted after explaining to Channer (and the previous representatives) that it was within my right to request $643.51 of the funds back into my checking account due to overpayment (check and check card).

Channer became frustrated with me and used condescending analogies to defend Citibank's reasons for the charges; at which time, I requested to close my account due to being treated extremely poorly and unfairly. Channer then stated that I would not receive my Costco rewards if I closed my account. By this time, I was emotionally drained and was overcome by anxiety. I then contacted the executive office of Citibank and spoke with Kelly. Kelly stated that she will comb through the account and call me back after she investigate the charges.

I am disappointed and shocked that Citibank would treat customers with no regards. I was a customer who had a perfect credit history with Citibank. I always paid off balances before the due date and was never late on a payment. I respected my relationship with Citibank and showed my appreciation by ensuring all accounts were paid-off in full each month. I am saddened that I was not respected and regarded as a valued consumer. I received poor customer service rooted in deceitful, malicious and add-on practices. My experience was emotionally debilitating and unfair. I am requesting a third-party thorough investigation along with a response and apology.

I ended up traveling for 2 weeks straight with basically $400 available, due to the locked payments and pending charges. This meant that essentially every time I charged something new to my card, I had to make a one-time payment to get my available credit back up so that I could continue to buy food, transportation, and accommodation. On Thursday 2/8 I got stranded in Chicago due to a snowstorm/canceled flights. I called Citi and asked to have my pending payments unfrozen, to which I was told "That is not possible, the payments will authorize on Monday 2/12, so wait until then". I should have pushed harder at the time, but I was only "supposed" to be in Chicago for one night, so I didn't think it worth the hassle.

On Friday 2/9, rather than walk around the city with all my belongings (during a snowstorm, and with nowhere else to go due to flights being canceled), I tried to add my Citi card to my Apple wallet. For whatever reason, my credit card could not be authorized via Apple wallet, and was then locked. This is where the real fun began - I called Citi customer service and went through a circular, pointless 'identity verification' process. They asked if I had any other accounts with Citi with which to verify my identity (no); they asked if I had a landline or work-landline with which to verify my identity (yes, but they then said they couldn't confirm that the work-landline I gave them was registered to the company I said I work for -- what? My company owns the building and all the phone lines in it, so...); they then told me they would send me a letter in 3-5 business days with a code, and I could call back with the code to unlock my account.

Since I was stranded in Chicago with no food, shelter, or transportation (and no means to buy any of that with a locked card), waiting 3 to 5 business days to receive a letter was not an option. When I explained this to the customer service agent, instead of understanding my predicament, she cut me off and talked over me, saying there was nothing else she could do. For a credit card that is geared towards travelers, you'd think they'd have a better system for this type of thing wouldn't you? Anyway, agent #1 got the full brunt of my wrath; thanks for nothing. Wish I remembered her name. I called back 2 minutes later to cancel my card altogether, but ended up getting transferred to another agent, Anna, who walked me through the same 'verification' rigmarole. Only this time, she took some pity on me - probably because I started sobbing midway through our call - and she said that, because my husband is an authorized user on the account, they could call him with the code, then he could give the code to me and they could unlock the account.

Now, my husband works in construction so he is on job sites all day; let me tell you what I went through to get ahold of him so he could check his voicemail to retrieve the code, all while Anna waited on the other line with me. Anna also made sure to tell me that this super-secret, very important code, was valid for THIS CONVERSATION ONLY. Eventually, the code was given and my account was unlocked. Or so I thought. I then asked to speak to someone about verifying the funds in my bank account so that I didn't have to make couple-hundred dollar payments every day just to get by while traveling. I THINK this woman's name was Jean - I did speak to a Jean at one point, but I also got transferred to a load of people and spent a LOT of time on hold during this entire debacle. Anyway, Jean conferenced my bank in on the call, they confirmed the funds, and boom, credit line back to normal.

Now, if that was so easy, why did the useless woman on the phone the night before tell me I had to wait until Monday? I should've cried/given her the "I'm stranded in Chicago" speech. But really, I shouldn't have to break down sobbing just to get passingly good customer service. So, I was assured that my card was unlocked and funds were available. I called Enterprise to then extend my car rental, and the card was declined. I tried to log into the Citi app, and the card was still locked. Sooo, I called Citi BACK and spoke to another helpful gentleman named Tom. Tom started to ask me the verification questions, at which point I explained how that would get us nowhere. Tom understood, and explained that Citi requires them to do this verification process, and without another account/landline/secret code, all they could do was mail the letter.

Tom also mentioned that the code they already gave me could be used - even though Anna said it was for our conversation only - maybe Tom was taking pity on me as well? That's very likely, and it's also likely that Citi's entire process for this kind of thing is completely ** up. So, Tom was given the code, my card was unlocked, and my free day in Chicago was ruined. I instead spent my entire afternoon dreading what I would do to get home (to Philly) with no money and nowhere to get any, waiting on hold, being run in circles, and sobbing to various strangers about my predicament. It seems that human decency - and NOT Citi's anti-fraud policies - was the only thing that got me out of my situation. If you have read this far, thank you for sticking with me. It was even more painful to live through this than it has been for you to read it, I promise.

And, in all my years with Capital One and Discover, I have had numerous things flagged as fraud, a couple locked cards/locked accounts, and not one single conversation or interaction with their customer service teams which I was not satisfied with. And I've certainly never spent hours on the phone with multiple agents trying to resolve a problem like this. Citi has failed me in every single one of these aspects. I also haven't received any miles yet, despite surpassing American's "spend $3k in the first 3 months and get 60,000 bonus miles" benchmark. At this point, I don't even care about the miles. Citi will never receive a dime of my money, either in interest or annual fees, and I will discourage everyone I know from opening an American Airlines - or, really any kind of credit card - with them.

I call them immediately and clear up the past due amount, explain what had happened. Later, I find they have reported this to the credit agencies. I call again and explain the paperless billing debacle and ask for consideration and to have the negative reporting removed. They tell me I need to send a letter to their credit dispute department (nobody can talk to them, not even the Citi agents). So I do; I write a letter, detail the circumstances, request they remove the negative reporting due to extenuating circumstances, wait the 5-7 days, then I received a form letter saying they reviewed my account and the information in the reporting agency is correct. I call them back and get escalated to an "account manager", I explain my issue with paperless billing and my dispute, she asks me to hold, then comes back and states my account was past due -- to which I replied, correct, that is why I am calling.

I explain the circumstances once again and my claim is the card enrollment process automatically set my account to paperless billing and sent the bills to an email I do not monitor for bills, she informs me that agents cannot change my account to paperless billing, I interrupt and remind her I am not claiming an agent did, I am claiming the enrollment process did, her response: it can't do that. At this point there didn't seem to be any reason to continue my suffering, so I summarized both sides of our conversation for the recording -- and now, I guess I will need to get an attorney to resolve something a little common sense would seem to fix.

I have been a customer for 16 years without being delinquent, I enrolled a replacement card, somehow got enrolled in paperless billing, missed the payments following the change to the billing method, which with all of the AI applied to detecting fraud, spending habits, etc, maybe they should apply some to payments -- 1) customer always pays bill, 2) went through card enrollment process, 3) account changed to paperless, 4) missed payments, -- at this point, why not call the customer (with a 15+ year relationship with your company), OR send a letter to that customer and ask why there is a problem with payments.

In the end, the collections agency calls after work (finally) so I was able to answer and that's when we found out about it. We still decided to pay everything, fees included, just to get it over with. Even if we didn't get a statement, or a voicemail, or anything - thinking that we never used the card it should have no balance (lesson learned, always check all open accounts regardless) - but that's fine.

What really made me angry is when I called to make the last payment. The agent had to put me on hold to "check" if I can make a payment. I'm an authorized user, the account is already delinquent so it's not like I'm going to put in more charges, and my name is all there - but ok he had to check. About 10-15 minutes later, he comes back to tell me that he has to check with his manager. Are you ** kidding me? All that time waiting and you still haven't checked with the manager? So ok, calm down, go ahead. After another 5 minutes, he comes back to me and says ok you can (FINALLY!) so I give all my details, finishes the payment and then I asked, "so can you confirm that this is final?" and he tells me "I'm sorry I can't disclose any other information on the account".

What? I'm an authorized user, meaning I can use and ask about this account. I can't make changes like the phone, address, credit limit increase, etc. I work in a bank, I worked for a call center and I also handled credit cards. Like are you kidding me? I just want to make sure I don't get any new charges! So that's it, I was already angry and guess what - the agent, Rohib, raises his voice and starts lecturing me that "I'm sorry ma'am but we're doing the right thing. I'm just doing the right thing!" and he started talking while I'm talking.

One rule in customer service - when the caller is irate, you let them vent, listen, then explain. You don't yell at them while they're talking and insist about whatever it is. So I told him to let me finish talking. He kept saying he was doing the right thing. I wanted him to note on the system (because hello, they sure have an application program where they can put notes including reference numbers and whatnot) that I am making a final payment and no further info was given to the AUTHORIZED user. I am not going to pay a couple hundred of dollars because apparently we missed a few cents and we don't get a call or voicemail again after too late. Anyways, I requested a manager - she gave me the info I needed with no problems. Rohib needs a coaching session with his team leader about customer service and how to handle irate calls. Don't yell at your customers especially when all I wanted you to do is write a note!

I will be reporting them to the CFPB. I find it unfair that I have never missed a payment or I have never been late on my payments. Their random review of my account was not necessary. I am not happy with their service. Didn't feel like they care to hear about my situation. I will pay this card off this month and will close my account. I don't need a credit card company that does not care about my situation.

I had some time before the mortgage company pulled credit again and I felt good about Citi doing what they said they would do. Well guess what? I am now starting the process over because we are ready to do the mortgage and the late charges are still being reported AND more of them!! They won't let me talk to anyone in the dispute department, just wanted me to submit documents again! PLEASE HELP anyone who can tell me what I can do to make them fix this!! This is so unfair!! All other credit is perfect and credit score is high yet I need a letter of error to present to the mortgage broker...

Well then could I give them my checking account number, well, normally outside of local retailers, out of town checks aren't taken, so I didn't carry my checkbook. Well, then I am out of luck sorry. I use this card a lot, online, out of town and in. They just pulled this out of thin air. I was pretty panicked because I don't normally carry cash, my truck didn't have enough fuel, and again, minus 10 with colder than that wind. Too bad, so sad. I scavenged enough change to put fuel in the tank and make it home, but what if I had had children, or an elderly person, or been pregnant or sick, what then? I normally don't leave home without backup funds but this time, I relied and trusted CitiCard not to pull some bad algorithmic stuff and quite honestly to answer me in a mocking tone, and without a shred of common sense.

I have another BOA Mastercard and Discovery and they decline because of my jumping over into another state, so I get it. They have set questions they ask and in turn I get turned back on immediately but not Citicards! Remember to carry your checkbook, which I would not have given my account information over if I had had it. Remember you should have additional Citicard accounts because they would have taken those into account, and remember to run home to answer the phone, even if you are an hour away. The outcome, a future archeologist will maybe have some luck digging this card up as it is buried. I do not trust this company who has such bad customer service as to leave me mostly speechless.

I requested a manager call and big surprise, no one ever called. So my card and account are in limbo. I plan to pay it off and cut up the card and send the pieces to AA. I will also tell fellow travelers to run like the wind when they start selling the card on a flight. Citi is only interested in making money, the is NO CUSTOMER SERVICE. I sent a complaint to AA for all the good it will do. After reading these other reviews I suspect my last bill will have some extra "charge" for some made-up nonsense. Can't wait to be done with them.

And, today the last straw. A hold on my account for setting up AppleWallet (it doesn't cost anything to set up AppleWallet BTW). Now my re-occurring monthly charges begin being declined and I am getting "transaction fees" from companies due to the declines. When I call customer service they say, "Not our problem". WHAT?!?! This company is INSANE! I will never do business with them again.

The only "fix" I was offered by the rep on Dec 19 was to reopen the account, executing a credit check that would lower my credit score for the next two years. Considering that it was Citicard who really messed this up, I find this offer mildly offensive: me having to accept an onus to deal with Citicard's inability to notify their customers in time. I also was told that I'm not the first that is treated this way. It should be a matter of course to fix this without onus for your customers, but then I guess Citicard is not a serious company and doesn't really care about customers of many years.

Called and spoke to a representative after so many security? Made a payment again with my debit card another $100.00. Just checked my account. Nothing posted. I worked hard for my money and credit. I told them I have never, ever had so much problems. Told the rep I want to payoff my bill and trash the card. Are they holding back from posting so they can accumulate fees to charge me, I'm going to Costco and just get a member card. I don't need their CC. I will check to see what other companies' CC they work with and axe them out. $300.00 payment this month!

When I got to College Station I found out there was not a Costco so I called and cancelled and got my refund but they credited it to my Citi card. I called to request a check for this and asked when I would get my reward which was now $70.00. I was told I could not get this until February and I had to keep the account open. Then they told me it had to be used at Costco so I called the customer service number. I was then told I would not get it due to closing my account with Costco I could no longer get the rewards. If I had known this I would have used my other credit card as it had cash rewards. So basically I am out 80.00. The last person I spoke with was very rude on the phone and when I asked for another person was told there was no one higher than her and she basically gave me the P.O. Box for her department to complain to which obviously is not going to do me any good.

I just found out today that they released it to "DFAS". For those of you not in uniform, that's like saying your money was released to HR. Who in HR? "Oh sir, I don't know that, just DFAS." It's bad enough my government forces me to miss out on getting points and rewards through my own credit card, but now I'm forced to support the God-awful worst bank in the world, who then holds my own money hostage for a free loan. The US government should never have gotten into bed with this bank.

When I asked what the criteria was he stated "that information is classified." I proceeded to ask Kevin to close the account as I knew there was something immensely wrong with the verification process. He stated he could not use the other two active working numbers (personal cell phone and business cell phone) but a supposed random number listed by my ss#. He then proceeded to call this number and upon returning to the call ask me about a family member, I laughed because he was referring to my 4-year-old son! The entirety of the call was recorded and I made Kevin fully aware of the recording multiple times and he agreed to be recorded. In the end Kevin refused to closed the account as I requested because the three numbers he could call did not meet a "classified" list of qualifications.

I felt that what a mistake I did paying in full the credit card, being an honest customer for what? When this big consumer companies don't care that the person was in a bad shape for a couple of months and then you get better and trying to repair your credit and be on time they treat you as a fool. They don't have respect and any kind of consideration. I regret that I paid that money to them, I should it take the money and take a nice vacations. DO NOT GET A CITIBANK CREDIT CARD!!!

Now, as it stands, I have this credit card issued to my name but it is in "limbo". I do not the prospect of nefarious business practices that link me to a card that cannot be destroyed or used. Because of their inability to rectify this situation the card remains in my name UNUSED. I will have to call the Better Business Bureau and escalate this issue. As if that is not bad enough, when you're on hold for more than 12 minutes the "computerized" system just disconnects you! Do not accept any type of credit from this shady company. More than likely they are based in a country that abets illegal transactions. Now I was just hung up by them as I write this review! Wow- This world is in trouble!!!