Citibank
reviews and complaints

I have had a Best Buy card since 2015 and always paid on time and most of the time paid 10 times the minimum amount due. After changing my VA disability check to another credit union I only had one problem paying my bills and that was my Citibank Best Buy credit card. No other account I had declined my payment using the same credentials I utilized except for Citibank. Called support three times after realizing my account was past due prior to checking my balance regarding an air conditioner I was considering purchasing from Best Buy. Support was of no help and actually made matters worse by refusing to send me an invoice by mail to allow me to pay off my balance in full and instructing me to change password, verify ID, use different browser, and clear cookies, none of which resolved the issues... I finally ended up going to a Best Buy store to make a $250 payment on a $29.00 minimum due. (Last month paid $500) It appears to me to be done by design as to allow interest rates and late charges to kick in due to being a reliable bill payer and a greedy desire for increased profits. I feel bad for the Best Buy employees for me not wanting to utilize the Best Buy credit card anymore but I no longer want anything more to do with a Citibank account after this experience. (Have had many Citibank accounts, Home Depot and Lowes also paid off) Since I no longer have on line access to my Citibank account I'm requesting a final invoice so I may pay off my balance and then close my Best Buy account, my last one with Citibank.

Citibank closed my account due to a fraud and they didn’t notify me through email nor phone call and they refused to give me any information about the status of my account or about my funds. All they keep saying 30-60days when I ask a question. Very unprofessional. I like to know when o get my money back from all accounts and the status of on why the person deposited a fake check into my account. I need the answer and not just saying it’s standard procedure. I have the right to know and the right to get my money back as quickly when they closed my account

Citibank sent letters of closure to me (rec'd 4/13) dated 4/1 stating account will be closed on 5/3. They said they "Have the right to close accounts" and do not have to give a reason. They blocked by account causing extreme penalties because Tax payment were returned unpaid. Without notice they blocked all my personal accounts. My corporate account they wanted to keep. I read all the best business practices for incoming or outgoing transaction of inter-account transactions. Not even one transaction cannot be linked to a sound source. I strongly believe that a violation has occurred because I did get the executive officers information and they immediately unblocked my accounts but the damage has already had a negative impact. They can trace every last transaction back to my funding source which is a state entity. If any one has any information for attorney who have successfully filed class action lawsuit against Citibank with positive results. I have been a citibank customer through every merger and takeover since 1985. Please post

I have NRI rupees checking account no [protected] in the USA

and account no [protected] in India. On Feb. 15 got a message that Citibank sold out their business to axis bank. When I don't get any reply about my credit balance in my India account I closed the usa bank account and collect my balance.

Since 15th Feb. I try to collect my credit balance FROM CITI BANK India, but I don't get any answer from Citibank and don't get back my money. I request to resolve this problem.

Thanks

vinod shah

I am a Costco Wholesale member and on May 26, 2023 I received an offer for a 13 piece cookware set which required I pay the shipping cost of $6.95 to receive it. I placed the order and the shipping cost was charged to my account. I was to receive the cookware on June 3, 2023. On May 31, 2023 a charge of $68.89 was made to my account for the cookware. I did not authorize this charge. On June 1, 2023 I called Citibank Customer Service and through the prompts was directed to the department to dispute the charge in question. I spoke to your representative Mark who I explained in detail the situation and that I wanted to dispute the charge. He asked me a series of questions which I answered and he gave me a case number

(D-[protected]) in reference to the dispute. I was instructed by Mark to call back if I did not receive the item on June 3, 2023 and reference the case number he gave me. Today, June 5, 2023 as instructed by Mark I called Citibank to get the $68.89 charged back.

What I received when I called was unacceptable customer service. I was informed that the case had been closed and that I could not get the $68.89 charged back or resubmit it, per Citibank policy. I requested to speak with a supervisor and was transferred to Sid who proceeded to regurgitate the same policy. I explained to him that none of the disclosures he mentioned were conveyed by Mark when I initially called on June 1, 2023. I told him as a supervisor he should have been able to think outside the policy box to resolve this matter since I was misinformed by one of his representatives. He merely informed me that he could not and just reiterated the policy again.

I felt and still do that the representatives failure to communicate the correct policy to me at the time of my initial call was an opportunity for Sid the "supervisor" to make a management decision and provide good customer service by charging back the $68.89. I have been a customer of Citibank since 1979 and I found your representative Mark and supervisor Sid totally incompetent, lacking any concept of what good, quality customer service is.

Last January 2023 my husband’s computer was hacked and we had to change our bank account. All our auto payments were affected. We called or emailed all our credit card companies to inform them of this. Everyone was very understanding at that time, including Citibank. I had two credit cards with them. Their preferred master card and Costco cash back Visa card in my name. Citibank thanked us on the phone conversation as I was a loyal customer since 1989. They took my info as all the other companies had. Next month February 2023 the auto pay did not go through on the preferred Mastercard. We called customer service again on the preferred mastercard, paid the monthly balance and they said they had put in the wrong bank account number and they would fix it. They were very sorry and that they would reverse all charges and fees. March and April 2023 it happened again on the preferred

Mastercard. We gave them the same bank account number and routing number and paid the balance. In May when it happened again, I couldn’t believe it. When we looked online we were unable to see this information as the site only shows

the last four numbers of the bank account. So we asked to talk to a supervisor. We explained this to the supervisor and she attempted to fix it again and then started requalify me with a series of questions. I answered the questions. The phone call failed. We called back as they didn’t callback. I asked why my Costco credit card was denied at the gas station that afternoon as it had no Auto payment problem and was paid from the same bank account? I had called the customer service number on the back of card on the way home and the phone message said the number wasn’t available in my district? I called it again and received the same message. Then I was told that account was closed. Then I asked the supervisor about the Citibank preferred Mastercard. I was told it was closed too. I asked why? I was told I would receive a letter in 10 to 14 days explaining this. I was confused. I asked what the letter would say. She wouldn’t tell me. I explained that mail was unpredictable in my area due to living in the mountains due to snow. That’s why we used autopay. She said she would text it. Then the phone call failed again. We called back and the. Supervisor told me to wait for the letter. I asked her who makes the decision to close accounts. Was it a group of people or artificial intelligence computers. She paused and then said, AI or people and or both. I asked for the address for corporate office. She gave me a post office box number in soiux Falls, South Dakota. And a name for the address I asked? No name, the supervisor said and she hung up.

Today, I experienced the most rude service I've ever incurred from Citigold Customer Service.

At 2:19PM PT, I called Citigold Customer Service [protected]), using my phone [protected]). The call was answered by Liza, she was unbelievably rude.

After tiring of here oblique/round-about answers and unpleasant attitude, I requested to speak with her supervisor, she refused my request and said her supervisor would call me back in 24 to 48 hours.

The purpose of my call was to determine how I could use my Citigold ATM card while traveling in Japan and China, and learn what the fees and costs were for making cash withdrawals from my Citibank account.

I have been a client of Citigold for over 20 years, this rude and inadequate service experience is causing me to reconsider my husband's and my relationship with Citibank and Citigold.

I was double billed for 4 American Airline tickets in September 2022, total of 8 charges. Never used any of the flights. I received fund credits for 4 of the 8 charges from Citi in September but have never received the additional 4. American issued refunds to Citi on 12/1/22 and I have been trying to get my money back since then. Over $2,000.00 for over 6+ months. I have tried working with multiple C/S personnel and even wrote the CEO Jane Fraser without success. Next step is legal action, what a pain.

I recently had an experience with Citibank's customer service while trying to resolve a denial problem with my new credit card. Unfortunately, the level of service I received fell far below my expectations, leaving me feeling frustrated and dissatisfied.

One of the major issues I encountered was the lack of effective assistance from the customer service representatives. It became apparent that they were located in another country and seemed unfamiliar with the necessary protocols to address and resolve the issues at hand. This made the process of resolving my problem unnecessarily complicated and time-consuming.

The verification process proved to be particularly problematic. Despite providing the requested information, I was unable to complete the verification through the text message system. Specifically, I had issues with verification via my AT&T phone number, which prevented me from accessing the benefits and functionalities of my credit card in a timely manner. This not only caused inconvenience but also hindered my ability to make timely payments.

The most significant inconvenience in this entire ordeal was the delay in card activation. I was informed that I would have to wait for a physical letter to arrive, which would take approximately two weeks, before I could start using the card. This unnecessary delay further added to the frustration and hindered my ability to pay invoices promptly.

In light of my experiences, I believe it is important to approach Citibank credit card applications with caution. While I cannot speak to the experiences of every customer, my encounter with their customer service was far from satisfactory. The lack of efficient problem-solving, challenges with the verification process (specifically with AT&T), and the extensive delays in card activation underscore the need for improvement in their customer service operations.

Considering the issues I faced, I would recommend exploring alternative options before applying for a Citibank credit card. It is crucial to choose a financial institution that prioritizes responsive and reliable customer service to ensure a smoother and more satisfactory experience.

I have had this Costco Visa Anywhere card for over 10yrs. I've never gone so much as a few days past my due date in making a payment. Lately, over the past year my balance has increased steadily. I received an email earlier today informing me that my credit limit has now been reduced to half of what it was prior. Reducing my credit limit to half is going to negatively impact my credit score significantly. So, this is the thanks I get for having this credit card?

I mean yes, continue to reduce my limit so by the time I close this account it won't be of a significant impact. Way to lose a customer and I'll be sure to share my experience and tell others to avoid any CitiBank services so they can save themselves this bad experience as well. None of the other credit cards have ever done this.

The purpose of submitting this complaint form to CITI is to state that I am a victim of Identify Theft and whoever your representative spoke with to use my personal information should be examined closely for such an act because this incident has impacted me greatly as well as my credit score. I will also be sending letters to CITI leaders and many others so that no one allows a resolution to be ignored for a lengthy period of time. I had an excellect credit score until this incident appeared on my credit report (CITIBANK CBNA). I have attempted to reach your Citi Credit Card Fraud department to determine who and why a company as large as CITIbank would allow SCAMMERS to perform such an act and not catch it. I do not know how and when that individual got my PERSONAL information to open a credit card in my name. I have tried several times to reach your office number listed on your website [protected] and [protected]) to speak with a LIVE customer service agent with no success. The automated system is not helpful at all and it asks for my credit card number or social security number which I dare not give out. My name is Evely Kimble and I am livid that your company allowed someone to appear to be me and open a Master credit card in my name using my personal information - I can not explain how the person got it and when they did it. All I know is that my credit now has a NEGATIVE reporting which I demand to be corrected immediately. As popular as your company is, I am praying that whoever took my personal from the SCAMMER that it was recorded by your Customer Service Representative to show proof that they took information from a SCAMMER. I realized this devastating act when I went to get approved to have my home roof replaced and was rejected. I have a Credit Karma account which will allow me to see my credit score and check to see how well my score was increasing periodically. I checked it on Wednesday 5/17/23 to find that my score had dropped drastically by 144 points. I am so disappointed and wish to have everything about CitiBank taken off my credit report. I will be contacting your office president, vice president, directors, Better Business Bureau, Experian, Transunion, Equifax, and my attorney with letters beginning Monday 5-22-23. I went back to pull every mail from 2022 that I received from CitiBank but never opened until Friday 5-19-23. I did discover that the credit card your company sent to my home address which I never applied for still has the STICKER FOR ACTIVATION which I never touched. I never opened any of CITIBank/CITI mail until yesterday as I prepare to write letters to everyone to get my credit report cleaned AS SOON AS POSSIBLE. My Personal Cell is [protected]. I will be sending copies of letters from CITI where I received checks which I never ordered, the credit card which was never activated, and other mail CITI sent to my home address. I received a letter from a company called UNITED COLLECTIONS BUREAU, INC located in Toledo, OH. I will be writing them as well to include all key leaders of CITIBANK.

Costco needs to get rid of using Citibank as their credit card. I’ve been a loyal consumer of Costco for 30 years! Back when it was Price Club! Citi Bank has horrible customer service. Anytime I’ve reported suspicious activity (which usually it is only some type of Amazon charge… and I don’t even use Amazon Sevices!) Citibank stops the use of my card and it takes weeks for me to receive a replacement card! This is absolutely ridiculous! PLEASE get another credit card company

First call to miss Jamie about check her taking long time to speak or answer questions not paying attention when explaining citations and taking long time to solve issue and not helping or solving problem called about card and account info being stolen and used illegally without my concept and how I will need city access account protected meaning no activity on account no deposit in even if direct deposit and no money transfers at all to any account will need amount of 529. Dollars and 93 cents put back to employer at club demonstration and transaction 236.25 on the 10th disputed and taken back to account and my account closed employee said account will be protected I will not receive direct deposit into account and deposit went in she lied or provided false information and needs to be addressed and fired other employee Luis spoke to him about stolen and unauthorized use of my city bank account and he keeps laugh being gay talking gay and rude telling me he could complete call or help me out being that I reported my account being criminally tampered with and unauthorized transactions on my account him repeat the same thing and taking a long time to answer questions also saying my account will be closed in 30 days when needed to be executed sooner than that him being rude and taking a long time staying quit not answering questions and knowing I have an appointment I informed him at certain time having to get ready and him being angry instead not considering that I did not curse at him or be disrespectful and Luis being offended needs to be fired

I tried to process a transaction online with my Citi Card on Apple Pay. As soon as I hit the pay button, I received an immediate decline. I had to call their fraud department for the fourth time. Every time I call. A Hindu person, usually female, answers the phone. Asks me to verify several phone numbers only for verification to fail. Non-sense as all of the numbers on my account belong to me and my business. They even asked for my employer's phone number. That got a fail too. Then she tells me that all verifications have failed and that they will be mailing out a letter with a code on it for the 3rd time since I've been with them and then call them back with that code.

I have been with Citi for less than 2 months and am already dissatisfied. Dissatisfaction is due to their fraud department and their methods of verifying who I am. All of my phone numbers accept SMS. Not once was one received to verify who I am. Probably because I'm not the elite who have a cell phone carrier contract, just an MVNO such as Mint Mobile.

I am considering closing my account once I have paid off the balance remaining.

I had two credit cards with Citi Bank. One, or more of their rough employees located in the Philippines closed one of my credit cards with a zero balance for no good reason. I called them to try and get some information on my two credit cards and was put on hold for over 1hr., I spoke with Rose, and then she flipped me to a supervisor called, Sam. Sam could not help me either, she put me on hold and never came back. I finally hung up the phone after 1 hr. I then called back to the Philippines and spoke to another rough employee, and she picked up the phone, did not give me her name or anything, she just hung up on the phone on me for no reason. I called the corporate office and spoke with Sarah, and I filled a complaint through her. I spoke with one of the employees and tried to pay $500. on my other credit card and they said they could not identify me. I gave them my credit card number and all my information, and they would not process my payment they just left me on hold for over an hour, and Citi Bank employees did nothing to help me. I then turned around and called the Fraud Department and spoke to another person in the USA, and they filled another complaint for me. The employee at the corporate office was not very helpful at all. So, I asked for a supervisor and then this African American employee answered the phone, and she said she was a Manger, but what is very strange was that she would not give me her name, and she held the phone and would not say anything. She just held the phone to listen in on me. I asked her for her name 3 times, and she would not give me her name for some strange reason, and she would not help me in any way. I called back and got a white female employee in the fraud department, Jennifer, and I was trying to get them to remove a late payment from June of 2022, that was reported in error, and then she flipped me to another African American employee, and she gave me her name, but she would not help me either, she told me to call customer service again. I explained to her that there was no reason for me to call them back just to be put on hold again and do nothing for me but harass me. So, I filled another complaint against their rough employees for poor customer service and leaving their customer on hold and never coming back. For some strange reason every time I called Citi to help me correct their major mistakes on my account, I always get transferred to the Philippines, I can never get to talk to anyone in the USA, never. Citi has their phone system set up so that my calls always get transferred to the Philippines. I have lost all respect for the Citi group, poor customer service, Employees are disrespectful, rude, and just do not care about their customers. The Philippines employees has slammed my account and their actions have effective my credit score negatively. After I spent almost 3 hrs. on the phone with Citi employees yesterday, I have lost all respect for their company and their unprofessional, disrespectful, employee's. When a customer stays on the phone for over 3 hours yesterday, and did not accomplish anything due to the fact that their employees simply do not care about helping their customers, that is apparent after my unforgettable bad experience yesterday. I am going to pay my off other credit card with Citi and will never do business with them again, because I cannot trust some of their rough employees. I hate to say this but after my experience yesterday with them I think some of their employees are prejudice against Americans. After reading some of Citi's bad reviews it is apparent that their company has major problems. Therefore, Customer be Aware before you sign up with Citi, because they simply do not care about their customers.

A concerned customer,

Aaron

I added an Authorized User to my Citi rewards creditcard. When the card was activated and used we got fraud flagged and locked out. This occurred 3 or 4 times in one day. At the same time I was going to VA on Vacation. I explained this to the fraud department several different times. a supervisor was able to assist and get the account Verified AGAIN and unlock. Once again, the card was used and Boom. We are now both locked out again, Im on vacation in VA and begging the fraud department to help me unlock the card and all they can tell me is they mailed me a letter and I can call once I receive it. I explained to two supervisors why they could not mail me a letter at this time because I was in VA and not home in Florida. I asked for help in locating a Citi branch that I could walk into and was given no help. Please review all recordings, This is very uncalled for. This is very inconvenient and LUKE a so called supervisor in the fraud department in customer service was Of no assistance with his sarcasm and non caring attitude. Please have someone call me [protected] Jill Ross a Citi Bank card customer.

I am writing to file a formal complaint against Citibank regarding its activity transferring my home owner equity line of credit to Cenlar without my knowledge. After receiving monthly statements from Cenlar again and again, I started to guess if it was a mistake. I wrote a letter to Cenlar and requested the company to close my account since I never had any documents with Cenlar. Within all my financial documents, the only home owner equity line of credit I had was with Citibank which was applied 10 years ago. To make sure my guess was right, my wife and I purposely visited Citibank office in Albany California on 4/10/2023. After checking the status of our equity line of credit, the agent told us our equity line was actually closed. Two days later (4/12/2023), I received a call from Citibank loan office (Phone #[protected]), in the conversation, the agent confirmed that my equity line of credit in Citibank was closed normally, and the reason was our account had been idle for too long. When asking why I got equity line credit statements from another company, he promised that Citibank never transferred or sold equity line of credits to other companies.

As a response to my letter, Cenlar immediately sent me the closing cost statement for several hundred dollars plus statement processing fees. In a phone call on 4/19/2023 with Cenlar (Phone #[protected]), I was told that I had no signed documents with Cenlar, and my account was actually transferred from Citibank.

I believe that the actions of Citibank are in violation of the California Civil Code Section 1595. This law provides that a contract cannot be assigned without the consent of the party to whom the obligation is owned. I have attached any relevant documentation or evidence that supports my claim.

I request that you investigate this matter and keep me informed of the progress of your investigation.

Thank you for your time and attention to this matter.

Sincerely,

Cailong Zhang

I had two cards last oct nov decem of 2022 they both got comprsimised my univ card and my costco any where card I called and cancel both and asked for new cards? They sent me new cards my new univ card came the numbers on the new card were sent to a guy in texas be for I got the new card and did not get new card actevated? He had 7.000 on new card two days be for icould even be for I could get card actieveated? Since your people took so long to roll on this 7.000 your computer has put 460.00interest on my bill. Idid nothave any charges onthis ac they have rolled on this acc [censored] my charges this 7000 that was fraud oct. Nov. Dec. Jan. Feb. March april your computer wonts interest on all frud bills all bills were under investgaion ishould not have to be penlize interst and refused anew card I been with this bank for 10 years? They got my costco anywere card fix did not get interest put on that card you guys ate all them charges your computer is wrong

Dear Sir/Madam,

1. The monthly paper bill was discontinued without notice.

2. There is no monthly email regarding pending payments etc, to the registered email account.

3. Customers are charged annual subscription fees, for which they need to call to get a waiver, though they are authentic users of credit card services.

4. The citibank offices are closed on weekends, so customers cannot walk-in to get redressal.

5. Tried to go online, simply could not create account, personal details keyed-in were not satisfactory.

On pril 4 2023, I opened 2 online account via Citibank online , transferring 30K and 18K respectively to checking and savings accounts, waited 5 days for the funds to clear and then tried to create 2 Certificate of deposits to 90 days and 30 days, which I Attempted to fund but was unable to fund for some unknown technical reason. I called Costumer service and someone explained that those CD were faulty and were going to disappear after a few days and he created another for 15K which was to be funded in 5 days, he also transferred all the monies in the savings 17K back to checking. On April 13, I intended to complete all the features of checking account and created a zelle payee to myself and attempted to transfer back 10K to my Chase account, at this time I got locked out of the account, claiming security reasons. I spent 2 hours on the phone and was able to unlock. Next morning, Friday April 14th I attempted to log in and was completely blocked again, I called and was informed that the accounts were in process of being closed and it would take 6o days to get a check in the mail. I went in person to a nearby branch and Costumer service Mona Laguirre attempted to unblock the accounts unsuccessfully and online Security and Fraud Prevention dept were unable to give a reason for the closing or a legal basis for not disbursing the funds immediately.

Manager, Karla Trujillo intervened and after a 3 HOURS was able to unblock and I was instructed to create a new username and password, issuing a temporary ATM. We verified that it was unblocked at the bank. I received an email from Citibank indicating all was good and the attempted 10K transferred funds to my Chase account was released.

This morning Sat April 15, I attempted to access my accounts and I am again blocked, I called the number indicated and they claim no know nothing of the reason .

At this time they are holding 15K in a 9 month CD, a credit card I had for 7 years and 21K in a checking account. I am unable to access my accounts or get information about it.