Citibank
Reviews and Complaints

So I have been doing business with home depot for many years. I spent over $100,000 of my own money Last year. Reason for some reason Citibank would not allow Home Depot to issue me a credit card. I have good credit and now have a Home depot credit card. They were not generous with the credit line. so I have I have never missed payments. So big ticket items were on the my construction contracts. So I asked Citibank for a credit increase I am a Veteran and use subcontractors to finish projects. Citibank cares about locking you in with their finances in mind not Ours. Citibank claims to help veteran make life better. Do not fall for such deception. They have no intentions to help. Do not be deceived.

My son had a credit card from CITI and here is what they did to him. My son built his credit card rewards balance up to over $3000 and out of nowhere they canceled his card which I guess is not big deal, but they have a policy that if they do cancel your card, Citi will cancel all of your rewards.
Find a reputable bank to do business with. A local bank which is an actual brick and mortar is the best. Terrible company policies!

Nearly 2 years after a dispute that showed resolved by Citibank from a 3rd party company - I am now seeing the charge back on my card. As a customer of CitiBank, I am extremely disappointed with the level of service I've experienced the last several months as relates to this dispute and general inquires since.

I've had my calls repeated hung up on and requested to speak with managers multiple times with long wait times and calls repeated dropped on their end. I don't know if this is on purpose or they simply don't value me as a customer.

With a 800+ credit score and being a customer of theirs for multiple years, and multiple credit cards paid off now, it seems to me they don't care for me as a customer and don't value my time.

I feel it's been a very poor experience from their side and in my opinion good customer service feels and looks very different to me. There are many companies to choose from and having many credit cards with plenty of available credit lines, I am definitely going to be looking elsewhere when making future purchases. This is very disappointing.

Too bad Citibank, you had me for years but seems now you don't care for me as a customer.

I was with Cal Fed since I was 16 years old then Citi Bank bought them, I have had the same checking account number for over 40 years. I have never had a returned check I have never done anything wrong, and I just got a notice with no explanation that they are closing my account. I tried calling customer service and they could not give me any reason. I am very upset and want to hire an attorney to sue them. There is no justification for this, and they never sent anything in the mail. I went online to pay something, and I saw a tiny little red sentence under my account that stated you have a notice. I clicked on it and found a notice they will be closing my account on March 9th.

Sounds like we are all in the same boat with Citibank. They said the randomly checked my credit score and found out I was hit due to a divorce. Card balance was zero. Never late, always paid on time, and had a large limit. Now I have to find another avenue to help with my business. This is totally unfair and I never received a letter or anything. Boycott Citibank and keep our monies here in the states.

This company needs to have people you can actually talk to when you have a question. I have tried multiple times today to talk to a person and have not been successful. I am withdrawing all of my money if I can ever get someone to help me. This is really poor customer service. Also they of course do not charge you to deposit your money, but if you want to withdraw, you have to pay for a wire transfer.

There was a duplicate payment on my credit card back in July, due to I figured it was lost so I issued another check.( I was not delinquent on my account at anytime ever) They cashed the check & then back dated the "lost" check to reflect when it was actually cashed. Both payments were posted July 24th & July 28th I requested a refund of my $15,000 on August 4th & August 7th & said it would be directly deposited to my checking account in 5 business days. This is now August 16th & I called & they informed me that they would review returning my money after August 21st! She then informed me that they were going to report me to the credit bureau as not being reasonable! WTH It was not a debt BUT a credit!

Made a deposit of $1370.00 in Anaheim Atm it showed $1270 .00 on the screen and then spit out $100.00 and took ages to get card out so the $100.00 was deposited again and a receipt for only $100.00 came out and no receipt for the other $1270.00 nor did it show up in my account. This was in cash of 100's 50's and 1 $20.00 bill. my complaint is that they are telling me that I must wait for 45 days or if I am lucky 10 days. I used to work in a bank on the Atm many years ago and if there was an outage it was corrected THE SAME DAY . I need that money and this should be sorted right away, not much help from the calls back Ihave made ,Please please find out today where my money is.

I am a small mom n pop housing provider with 7 rental properties and no mortgages with total after tax income of $300,000. (1) requested increase (2) provided all info (3) transferred to another who asked for all info and received and then hung up and did not call back (4) got another rep, gave all info and provided all income etc. (5) request was rejected and was not provided reason why...

As a small mom and pop housing provider, I do my best to improve my properties. By refusing my request, citi bank is contributing to the homeless problem in this country

We pay credit card monthly, with no past due amount. Last statement included erroneously previous balance of $3,267.92 I called the credit card bank and they refused to remove this amount. This is Costco Visa threw Citi Bank

Statement Date: billing period: 06/20/2024 to 07/17/2024

7/28/2024 called Citi bank at fraud no. [protected]

Costco membership no: [protected]

Representive removed late charges and refused to remove erronleous amt. I called again a few minutes ago and no response to my call.

My account was frozen I April 2024 don’t know why, contacted Citibank they stated all would be covered in letter. Letter has never been received, still they won’t speak to me. My VA check is direct deposited there and my bills are paid from my account. My bills were not paid my money is sitting in an account I don’t have access to any longer. No one at Citibank is communicating with me. This is causing a hardship on me.

I regret to inform you that despite my previous escalation to your support teams regarding reference number [protected], I have not received any response, call, or email regarding the matter. I urgently require an immediate response and resolution to this issue. It is imperative that this matter be addressed promptly to ensure customer satisfaction and the timely resolution of the concerns raised. Your urgent attention to this matter is greatly appreciated.

Citibank refuses to increase the limit on my card to $5,000, but gives me a limit of $7,000 on my Citi Sears card that I do not use. I have suggested that they lower the limit on my Sears Card to offset the limit increase on the Shell card. Their exposure will not change and I get a card with a limit that meets my needs.

Here is the really strange part. I received a letter addressed to my wife offering a $27K loan. All we want is a limit increase of $2k on a credit card. Citibank says that they cannot do that, but can loan me $27K. THIS MAKES ABSOLUTELY NO SENSE.

PLEASE DO NOT DO BUSINESS WITH STUPIT COMPANIES

A few years ago, my wife had a Citibank credit card. There were some non-authorized charges on the account. Instead of dealing with the issue Citibank tacked on late charges and interest. When we finally were able to reach someone with the knowledge to fix the situation, they did, but left a few cents on the account. So, the process started all over again — late charges and interest. I took several months for Citibank to fix the issue a second time. We closed the account and have not done business with Citibank except when there is a great deal on the first purchase with a new card.

We will then open an account, get the deal and close the account, until I learned that closing an account actually hurts your credit score. Now I just leave them open and do not use them.

Last fall I was planning a RV trip to visit a new grandbaby. I was looking for a deal on gas and Citibank and Shell had and account that would save $.50 a gallon on some number of gallons. I applied and was approved. With a credit score north of 800 I knew that approval would not be an issue. What is an issue is that they gave me a very low limit and I exceeded the limit on the trip. I have asked repeatedly for Citibank to raise my limit and they refuse. I have also requested that they lower the limit on the Sears Card to offset the limit increase on the Shell Card and they refuse.

My income meets their guidelines as I requested an increase on the Sears card, and it was granted after I requested that they lower the limit to offset the requested limit increase on the Shell card.

When I request a limit increase on the shell card on the website, I am gold that I have not had the card long enough to warrant a credit line increase, but Citibank refuses to tell me what a long enough time is to qualify for an increase.

All of this makes no sense to me. I was really hoping that when the new CEO took over, she would make changes that would lead to Citibank being more customer focused. It appears that the opposite has happened.

Dear Citi Bank,

I am writing to express my deep concern and frustration regarding an issue that has been ongoing for over two years. Despite numerous attempts to rectify this situation through phone calls and written correspondence, my concerns have been dismissed and the problem remains unresolved.

An account associated with Best Buy, which I have never opened or authorized, was erroneously placed on my credit report. This error has had significant negative impacts on my financial life, including being denied home and car loans, having to pay higher interest rates, and being unable to secure loans for necessary medical expenses. The details above do not list half of the impact I am currently facing.

Under the Fair Credit Reporting Act (FCRA), I have the right to dispute incomplete or inaccurate information in my credit reports. Despite my efforts to exercise this right, the inaccurate information remains on my report. This is not only a violation of my rights under the FCRA, but it also has caused me substantial harm.

Given the severity of this issue and the long period during which it has been ignored, I believe it is only fair that Citi Bank takes the following actions: Called over 100 times wrote 42 times and disputed on credit 9 times

1. *Correct the Inaccurate Information*: The inaccurate information on my credit report, specifically the account associated with Best Buy which I have never opened or authorized, must be corrected immediately. This error has been reported multiple times over the past two years with no resolution.

2. *Issue a Credit Card*: To help repair my credit, I demand that a credit card with a $7000 limit be issued to me. This is equivalent to the amount erroneously showing on my credit report, which is currently taking up 77 percent of my credit utilization. Please understand every time I get close to being able to have a better life credit goes up this account brings it down. I have spent hours on phone with customer service hung up on told to call Best Buy they send me back to you. I am begging for you to do what’s right as I have tried on my side. I will be hiring a lawyer I spoke to last week on Friday as friends are holding a fundraiser to provide the money.

3. *Cover the Costs of Denied Loans*: Due to this error, I have been denied home and car loans. I demand that Citi Bank cover the costs to purchase a home and a car to compensate for the opportunities I lost due to this error.

In addition to these demands, I am also seeking compensation for the severe hardships I have endured as a result of this error:

4. *Compensation for Hardships*: I demand compensation of $1 million for the hardships I have endured due to this error. I was unable to cover necessary medical expenses, including brain surgery, and the tragic loss of my daughter at the age of 17. Because of the inability to secure credit, I lost everything while I was sick and am now living in deplorable conditions without a car.

These demands are not only fair and just, but they are also necessary to begin repairing the significant damage that this error has caused in my financial life. I expect a response within ten business days.

If these actions are not taken, I will be forced to seek legal recourse for all damages I have suffered as a result of this error. These damages include, but are not limited to, actual damages (such as lost opportunities for loans or jobs), statutory damages for willful noncompliance, punitive damages for malicious or reckless violations, and legal costs, as provided under the FCRA.

I am hopeful that Citi Bank will take this matter seriously and act promptly to rectify this situation. I expect a response within ten business days.

Sincerely,

Lori Wenger

[protected]

The amount of $225,000 was wired to my account with Citibank on 03/14/2024 for the purpose of purchasing inventory, and consulting services. The funds have not been made available to me for use and I have been blocked. Repeated inquiries to Citibank have yielded unsatisfactory responses and no clear resolution timeline. Account # [protected]

The delay in accessing these funds has had a profound impact on my business operations. I’m unable to meet financial commitments, delayed orders and loss of trust among my suppliers. I seek the immediate release of the $225,000 wired to my account and a formal explanation from Citibank regarding the reason for the delay.

I am a retired, senior citizen, with limited funds. I have been working part time doing handyman work to keep up. I had a PAYMENT of $29.00 due on my HOME DEPOT CREDIT CARD on 3/12/24 and was not able to pay it until the next morning 3/13/24 when Funds were available through depost of SOCIAL SECURITY. I did not want to be overdrawn on my ENVISION CREDIT UNION ACCT or another acct. That is why the payment was one day LATE!

I would greatly appreciate forgiveness of this late fee and have the $29 late fee returned to my HOME DEPOT acct as a CREDIT.

I can be contacted by email: [protected]@gmail.com or [protected] if needed.

Laurence A Welbon

3440 Old Lloyd Rd

Monticello, FL 32344

Since 20. feb my Card was temp. cancelled bec of overdue date although I had sufficient fund at my Bangkok Bank from which Citi automaticly debit the outstanding balanc, and this was perfectly working for about 20 years I am a CC customer. I was in no way informed either by sms by which I usuale get any news from Citi nor by phone! I sat in a foreign country and CC did not work, what a horror! Requiring infos by e-mail did not get any clear answer as it only said "we are working on it"But in the meantime I received countless calls from citi but when I answered and asked for english the respond of the staff were always "no english" and closed the phone without any further infos, no bye no good day - unpolite and uneccebtable behavior of a staff of a worlwide operating CC Company! I had no chance to talk even one word. The same experience I encountered when I called [protected] no english speaking staff and when my wife called again and staff saw my phone number they opend and closed with any comments and on a further call even did not answer at all! I was very shocked and truly upsat and at loss by this unbelievable treatment of a CC Customer! After a lenght searching by luck I found 66 [protected] and by help of my thai speaking People, bec the operator also did not speak english, and after a lenght reconnection I was finaly able to speak to an english speaking staff. After much enquiry he told me to go to 7/11 to pay my outstanding balance which I did immediately today 12.03 at 10.33 thai time. The amount of due balance was 14,706,72 thb and due according to Citi sms on11.03 but it was again not debited from my Bkk Bank account therefore I went to 7/11 and paid all the outstanding balance of 19,196.64 THB. I was told by a staff of citi after paying the due balance the card would be Valid immediately but after using the card it was still cancelled and by contacting Citi CC was told it takes 24 hours to reactivate, I was wondering why so long as money transfer from one Bank to another one in Th is done in seconds!

My resume of helpful citi customer service : non available, almost no english speaking staff in a worldwide banking doing business company, unpolite staff=closing phone or not responding when ask for english, no information how to pay the so called overdue balance, letting the longtime Customer clearing and sorting out by himself! The amazing info I found in my account it was never never mentioned I was overdue in payment and it was not possible to transfer money by using link make a payment!

I used several Credit Cards like Mastercard, Diners, Amex and more, when travelled to more then 65 countries and never ever had any cancelled like citi Visa did!

Now I am just wondering IF and what kind of respond and answer I will receive of my mail, after so much of non reaction in fact I do not expect any at all

Best regards

Dietmar Wuerger

I am retired and do long RV trips to visit family. I recently opened a Citibank Shell card because of the deal on gas. I could save 50 cents a gallon on the first several purchases. Citibank opened the account with a very low limit and on the trip, I went over the limit. I tried to make a payment to bring the balance below the limit and Citibank wanted me to accept terms that required me naming them as my attorney in fact and giving them a power of attorney, something I was not willing to do.

I also tried to get Citibank to raise my limit and they refused to do so but raised my limit on a Citibank Sears card by $5k that I do not use because sears has closed all of their stores near me.

Citibank refuses to provide any explanation for their stupidity, willing to raise the limit on Sears but not on Shell.

My account was closed with my knowledge when I called the representative said a replacement card was sent to me twice and the card was returned both times. Not by me I’ve been waiting for my new card. How is this my fault now I’m being told the rep gave me incorrect information and for other reasons my account was closed. What a bunch of BS Citibank!

OPEN A CD with CITI is not on the home page because CITI does not show CDs on their internet page. CITI sends a letter with the CD information only asked 3 separate times for a confirmation letter but have never received one also to put or add beneficiary on the CITI CD you purchase online CITI will send a form letter by snell mail you must have notarized and snell mail it back to CITI has repeatedly asked for the beneficiary form but still has not received one.

Citibank has a credit card in my name ending in 7168. I have made 29 calls to the account services/fraud organization at Citibank trying to get information regarding charges for this account. No resolution and not helpful. Because Citibank was so derelict in the ability to help. I shut down my primary account with Bank of America to shop charges. This resulted in all electronic payments having to be reset. Only when I shut down charges did I receive an email from AAdvantage notifying me I had a payment past due. I logged into Citibank self service portal and this account, 7168, is not even associated with me but somehow I am expected to pay unknown charges, nothing has been charged in years. However, they will not provide any helpful information. Call 29 resulted in two actions (1) the account is still under review, although charges are due that could be fraudulent, while I have no access or way to pay, even if needed, (2) an account history back to 2016 is in snail mail, not helpful when payment is potentially due. I asked for payments to stop until a resolution is reached. This has been denied.

Dear sir,

I have negative comment in Citi bank after I tried to applying bank loan in the year 2015. I have contacted customer care in branch as well as by phone, but I could not get a proper response.

Recently I wanted to open my salary account in RAK Bank but also not possible as centralized system.

Kindly remove my name blacklist.

Thank you

I was sent two Citibank Diamond Preferred cards ( one for me and one for my son Thomas), but never activated or used them. Despite that, I am being billed for the $7000 credit limit I asked them to establish on the account. Instead of setting a $7000 credit limit, they put a balance due of $7000 and started blling me on it! I made one payment on it to protect my rating and called to get it fixed. It still hasn't been fixed though. Please fix this before my credit rating is ruined.

I tried for four days to transfer money from my Citibank account to another external account and they have put me in this constant loop requesting online and telephone validation/verification, which I have provided over and over again. All of the automation, bots, and direction to agents in the Philippines, India, and beyond have left me wondering if they think they are in control of my money and if I should consider a lawsuit for their incompetence and failure to comply with my request.

I am trying to use my credit card and they will not use my daughter’s cell phone to send a code.. I have proven my landline numbers, my account number for auto pay was verified, my code word was verified, addresses were verified but they still would not send a code number to my daughters cell number. All the identity questions were correct with your information.

They are sending a letter with a reference number which will take another 7-10 days, which could get in the wrong hands. And they will not give me the address of where they are sending the letter, which I’ve given both addresses for summer and winter….All they have to do is send a code number to my daughter’s cell phone to avoid freezing my card. I have had this card for MANY years and should not have to go thru this harassament when I’ve given them all my identity questions.

Joyce L Shook

11590 Kelly Hwy

Vermontville. Mi 49096

Currently in Florida:

37041 Chancey Rd

Zephyrhills Fl 33541

Phone. [protected] or [protected]

I have been a Citibank client for over 24 years and I have been living in the United Kingdom, and more recently on the Isle of Man.

During this period I have always had my correspondence and cards delivered without any problem, despite the fact that the United Kingdom post code is composed of letters and numbers, differently to the US where the zip code is composed only of numbers.

In September 2023 I visited a Washington DC branch and opened a term deposit account, and was informed that my account had been upgraded to Gold.

On September 13 I received an email saying that a new debit card has been issued and shipped by First Class mail and was due to arrive on October 3. The card didn’t arrive so I contact the relationship manager, Akira Kuwada, who promised a replacement card.

Subsequently I received emails dated of 10/26, 10/31, 11/9, 11/13,11/16 and11/17 saying that cards with different numbers have been shipped, with increasingly delayed delivery dates. The latest one says that the card will be delivered in mid-December. I never received such cards. Also, when they decided to send me new unsolicited cards, Citibank cancelled my existing debt card which was valid until 04/24, therefore due to Citibank blunders I have not been able to access my money since September.

I emailed and called Customers Services nd Akira Kuwada, who told me that there were technical issues because my UK post code was composed by letters instead of numbers and he was working with the technical team to solve the issue. This was in October. The issue has never been solved. In addition to Akira, I spoke to two unidentified women at Customers Services, they speak very poor English and were very rushed.

In the meantime whilst I was talking to a customer service representative, I received an email from Citibank saying that the card ending 7899, which I never received, had been unlocked and it was now ready to be used. The email also said that the card had been unlocked by a Citibank representative. The woman at Customer Service said that this was a scam, that I should not be worried and that my card was not unlocked because I have not received it.

Nevertheless, I called Akira who told that the card had been unlocked but that he could lock it again if I wish so. Then instead of locking, he blocked the card.

Due to the email saying that someone at Citi unlocked the card without my permission, I called Citi Fraud Investigation Department to ask them to investigate who unlocked my card without my consent. First I spoke to a man who refused to open a case because he asked for my card number ( which I do not have) and he said that the card had been blocked and he could not open a case. Then he passed me to another guy who dropped the call.

I called again and spoke to Nicole, Maria, and Esther and finally to the worst of all of them, a male called Butner, this one said that I had not passed the verification, despite the fact that I have been verified by Esther who passed me on to him to open the case.

Citibank Fraud Investigation Department is not fit for purpose. Their verification process asks for a passport number which is not in my files, it doesn’t recognize my bank account number, which I provided correctly, and ask for a card number, which I have no access because it has not been delivered.

Then I emailed the CEO of Citibank, Jane Fraser and other Bank executives. My case was then passed to the Executive Resolution Unit. On 11/15 I received a call from a female called Brooke who promised that she was going to issue my card and provide a tracking number. She did nothing, and when I complained by email she called me back on Friday saying that she was still working on the issue and that it was unhelpful for me calling several times. When I call her number and ask to speak to her she is never available. This situation is causing me stress, anxiety and Citibank has deprived me to access my money. I was planning to buy a Thanks Giving present to my son but I do not have a debit card.

I have unsuccessfully spent 255 minutes on the phone trying to get my card, plus a string of unanswered emails