Citibank
reviews and complaints

Citibank account was paid off and closed over the phone. Two years later received an invoice for $1399.92. When Citibank was called, the response was after the account was paid, a 37 cent interest accrual was posted to the account, the fees were late payment fees etc. I had received no correspondence at all during the previous two years, and the representative basically said too bad, pay the bill.

Dear Lakshmi,
Your statement " Consignee shifted " is wrong . The address available with you is my own house and permanent address.
My not being available in the house when the courier has visited does not imply Consignee has shifted.
My work involves constant travel but I keep visiting Hyderabad regularly.
If I ever I shift, I will intimated my change of address.
My email has Id has not changed. As per your mail, you are to send me my statement in both formats. I have neither received a email bill statement nor a mail verifying with me if I have shifted.
This is clearly a lapse on your side and I am not liable for your failure. Please see my track record of timely bill payments and review the various phone transcripts with me, which you record. I am neither a defaulter nor an absconder.
I will settle my actual bill but I will not pay any penalties or late fees. It is not the amount but in principle I cannot pay for no fault of mine.

If you have no authority to settle this issue, please give me the mobile number and co ordinates the India head of Credit Cards Division, I will take up this matter with him.
Regards
Sunita Giridhar

Date: Wed, 16 Jan 2013 14:22:27 +0530
From: head.[protected]@citi.com
Subject: RE:'Citibank=[protected]' Bill payment for my credit card
To: [protected]@hotmail.com

Dear Ms. Gridhar,

This is with reference to your e-mail dated January 13, 2013.

We wish to submit the following:

* We would like to inform that your Card Account has been registered to receive Statements on both the modes, namely to your Mailing Address and to your email address

Accordingly, we are sending both physical copy and e-statement to the addresses maintained in our records.

However, the physical copy of statements were returned undelivered for the reason "Consignee Shifted".

* For security purpose and to prevent any fraudulent transactions taking place, we have placed your account in a blocked status. Hence the statements for your card account were not generated and sent to you.
* Based on your representation, we have released the blocked and resent the duplicate copy of the Statement for the Month of August 2012 to December 2012 to the Email address and same got delivered.

* We have not received any payment towards the dues in your card for a considerable period of time.

As a consequence, we have closed your card with effect from December 18, 2012.

To date, your card account reflects an outstanding of Rs. 3, 868.35.

We request you to effect payment towards this amount.

* As per the terms and conditions, if the payment towards the Total Amount Due does not reach on the Payment Due Date, the system will automatically generate Late Payment Charge and Interest Charges.

In light of the above, we regret our inability to accommodate your request for the reversal of the charge.

Please write to us for any further information / clarification that you may require in this regard.

Sincerely,

Lakshmi S
Head Customer Care - Cards

On the 25th June 2012, Heinrich Schempers from Bank City froze my bank account after only receiving an affidavit from Life Healthcare. I was offered a retrenchment package which was transferred into my bank once all six payments were made, Life Healthcare claims it was fraud and asked Heinrich Schempers to freeze my account. It’s all six month now and my account is still on hold, Lilfe Healthcare as not produced any form of evidence proving their fraud case. Now FNB Natasha Brown, ECS Complaints Resolution and Heinrich Schempers says the only way I can get them to fit the hold is with a court order, a court order costs between (10k to15k) and I do not have that kind of money. My question is, Heinrich Schempers put my account on hold with an affidavit, why must I get a court order to fit the hold?

Nov 2012. To quote their website, Citibank Malaysia offers, “a new online banking experience”. Well, being unable to access online banking today (again), it looks very much like the old online banking experience with Citibank Malaysia. Why is that, over fifteen years, I don’t experience a single technical issue with Citibank in Singapore, Hong Kong or London while, together with a number of friends who live in KL, I regularly experience “technical issues” with Citibank Malaysia? Perhaps if they spent less on marketing hype and slogans and more on improving their IT services (and therefore customer service), they could begin to match their colleagues in other countries?

I was given a Citi card as a refund from Novartis and i called to activate the card as directed. However, the card will not work when I try to use it. I have tried at four different places.

This morning I received an Email letter from CitiBank, announcing that due to the high number of credit cards and balances, they were reducing my credit limit from $13, 000 down to below $2500. I then received a statement telling me to pay within 10 days to CitiBank over $10, 000 on my balance, or be charged late fees. Nice, huh? I have been a customer (a good customer) for over 28 years.

I have received similar letters from other credit card companies for several years, including Chase, Bank of America, AT&T Universal (now CitiBank), GM Card, etc. Similar problems and decision based on owing too much. I've been trying but the economy sucks. I have also tried contacting them, and seeking assistance in trying to get a reduced rate or balance. The interest rates being charges range from 20% to 29.99%. I pay my bills on time, and have never failed to make payments over the years, but am treated like a criminal by these ###-Suckers.

After reviewing this website, I filed a compaint with the FTC, and faxed CitiBank a letter about the situation. A few minutes ago (just before 5PM mst) they called me. They informed me they were reversing their decsion, and putting my limit back to its previous level; plus ixing the amount to pay next due date. They claimed that this was a "clerical error". What a Crock! At least they did the right thing...but what a buch of Jerks!

I have a Citibank account I had a load with, started small until I had a loan for over 5, 000 which I switched to citifinancial, Citibank was still withdrawing money from my account which I thought was paying down my loan for citifinancial plus I was paying citifinancial which I thought would pay it faster until money became tight. So I buckled down so I thought come to find out Citibank turned the exact amount of the loan transferred to citifinancial until a overdraft protection account and had been taking funds every pay period out of my checking account. Which was causing the short fall in my finances no one gives a single mother with my salary a overdraft protection for over 5, 000 dollars. So when I looked into it and complained all you saw was overdraft fees. I have called and even found out when you typed in my social security number you get someone else's account that closed out the same time this was supposedly started by me. I have never had a overdraft protection account from Citibank only loans and then that was transferred to citifinancial. They have sincee removed from my account but I am now receiving from collection agencies. During this ordeal I had to short sale my home as I could not keep up with payments, and my son had to take out a loan with his school from room and board as I was paying that out of pocket. I finally switched the bulk of my account to Bank of America joke on me I know, and only left 100 dollars a pay check. I know if I close this account I will never see my money again. Yes I have contacted the federal government but my case is not enough of a financial loss to warrant a investigation. I am however still fighting and will never give up as if they are doing this to me how many elderly have they fleeced enough is enough. I have loads of proof but I am waiting for someone to assist me with this so I hold on to my bank statements fleeced in Chicago.

Hello!

I received a letter about the content specified below. But I do not know whether it is original - although the prints sent to Citi Bank. I actually tried some time ago to transfer large amount of money to Citi Bank in Warsaw, but then - for formal reasons it did not materialize. In addition, I am surprised that the charge transfer is to be sent by WU - an institution in no way associated with the Bank. Please reply if this letter comes from your bank account and whether the transfer (Debit Account) 25, 037, 125, 488 is registered my name.
angielskipolskiniemieckiAlpha
Hello!

I received a letter about the content specified below. But I do not know whether it is original - although the prints sent to Citi Bank. I actually tried some time ago to transfer large amount of money to Citi Bank in Warsaw, but then - for formal reasons it did not materialize. In addition, I am surprised that the charge transfer is to be sent by WU - an institution in no way associated with the Bank. Please reply if this letter comes from your bank account and whether the transfer (Debit Account) 25, 037, 125, 488 is registered my name.

Regards,

Dr. Marek Reszka

Citibank United Kingdom
Citibank ® Payment Transfer Service.
Citibank UK, 85 Pankhurst Road,
Holloway, London N7 ONU

Dear Client: Mark Reszka

We thank you for emailing your inquiry about your funds with Citi Bank Uk.

Please Be Informed That the transfer of your cash donation - XXXXXXXXXXXXXXXXXXXXX to your operational Bank Account in the UK, was successful, Funds Transfer was effected today, the 8th day of August, 2012.

Due to International Banking regulations / policies of large funds transfer from the United Kingdom, your bank account in your country will be credited within (2-3) working days from today, after the funds transfer fee must have been effected by you.

NOTE: Current status of funds transfer is "Successful" Funds Transfer Status will switch from "Successful" is "Complete" after Citibank is in receipt of your funds transfer fee. In accordance with the Financial Services Authority, the regulator of all providers of financial services in the United Kingdom, the funds charge transfer is 0.00005% of the transfer sum - XXXXXXXXXXXXXXXXXXXXXXXX

Note: Your bank draft was initially insured by the Donors (Dave & Angela Dawes), Citi bank can not recall your funds back, but Citibank can place your funds temporarily on'' PENDING'' only in Situations where no positive response is received from the beneficiary / receiver of funds.

Citibank's funds transfer charges for International Customers can only be effected to our account officer International Via Western Union Or Money Gram.

We Recommend That You Either reach us by email Immediately for specific details on how to effect payment of xxxxxxxxxxxxxxx for Transfer Fee. Find in the attachment of the telex copy / receipt of funds transfer.

Payment Information for Transfer of xxxxxxxxxxxxxxx Via Western Union fee
Receiver Name: Vera Kelvin
Receiver Address: Promenade Level, Cabot Place East,
London, United Kingdom.

Congratulations on a successful transfer.

Best Regards,
Thank you for your time and the look forward to the successful transfer of your funds.

Yours in service,
Andrew Hayes (Mr.)
Tel: +[protected]
Fax: +[protected]
Chief Accounting Officer (Local / Foreign)
Citi Bank United Kingdom
DISCLAIMER NOTICE:
If you have received this email in error, please notify us by a return e-mail and delete the document.If you are not the intended recipient of the, you are hereby Notified That any disclosure, copying, distribution or taking any action in reliance on the contents of this information is strictly prohibited and may be unlawful. Citibank United Kingdom is not ol the for the improper and incomplete transmission of the information Contained in this communication or for any delay in its receipt © 2012.
Regards,

Dr. Marek Reszka
[protected]@wp.pl

Citibank United Kingdom
Citibank ® Payment Transfer Service.
Citibank UK, 85 Pankhurst Road,
Holloway, London N7 ONU

Dear Client: Mark Reszka

We thank you for emailing your inquiry about your funds with Citi Bank Uk.

Please Be Informed That the transfer of your cash donation - XXXXXXXXXXXXXXXXXXXXX to your operational Bank Account in the UK, was successful, Funds Transfer was effected today, the 8th day of August, 2012.

Due to International Banking regulations / policies of large funds transfer from the United Kingdom, your bank account in your country will be credited within (2-3) working days from today, after the funds transfer fee must have been effected by you.

NOTE: Current status of funds transfer is "Successful" Funds Transfer Status will switch from "Successful" is "Complete" after Citibank is in receipt of your funds transfer fee. In accordance with the Financial Services Authority, the regulator of all providers of financial services in the United Kingdom, the funds charge transfer is 0.00005% of the transfer sum - XXXXXXXXXXXXXXXXXXXXXXXX

Note: Your bank draft was initially insured by the Donors (Dave & Angela Dawes), Citi bank can not recall your funds back, but Citibank can place your funds temporarily on'' PENDING'' only in Situations where no positive response is received from the beneficiary / receiver of funds.

Citibank's funds transfer charges for International Customers can only be effected to our account officer International Via Western Union Or Money Gram.

We Recommend That You Either reach us by email Immediately for specific details on how to effect payment of xxxxxxxxxxxxxxx for Transfer Fee. Find in the attachment of the telex copy / receipt of funds transfer.

Payment Information for Transfer of xxxxxxxxxxxxxxx Via Western Union fee
Receiver Name: Vera Kelvin
Receiver Address: Promenade Level, Cabot Place East,
London, United Kingdom.

Congratulations on a successful transfer.

Best Regards,
Thank you for your time and the look forward to the successful transfer of your funds.

Yours in service,
Andrew Hayes (Mr.)
Tel: +[protected]
Fax: +[protected]
Chief Accounting Officer (Local / Foreign)
Citi Bank United Kingdom
DISCLAIMER NOTICE:
If you have received this email in error, please notify us by a return e-mail and delete the document.If you are not the intended recipient of the, you are hereby Notified That any disclosure, copying, distribution or taking any action in reliance on the contents of this information is strictly prohibited and may be unlawful. Citibank United Kingdom is not ol the for the improper and incomplete transmission of the information Contained in this communication or for any delay in its receipt © 2012.

I have never not paid my credit cards. I had a Citibank card with a great interest rate and transferred the remaining student loan debt to it. The balance is $12k. I lost my job back in October. And immediately enrolled in a DMP in December to make sure payments to creditors were paid. I struggled. Sold all my furniture and was still unable to find a job. I had to take myself out of the DMP in May, just so I could continue to eat. I finally found work, and the DMP re-enrolled me due to my circumstances, and all my creditors have been great. Reducing interest rates and taking me back. Except Citibank, they don't allow it because I dropped out in May.

The DMP advised me to contact Citibank directly. Citibank told me that I could make monthly payments of $300 and that I would be in great shape within a year. I agreed. After that first payment, I noticed $200 of it went to interest and fees! Shocked, I contacted Citi and begged them to work with me, and they refused. They cancelled the payment then AFTER they cancelled advised me that I could never re-enroll or make payments with them again.. (Thanks for telling me AFTER you did that).

I was mislead by Citibank and now I'm trying to deal with a creditor that I am trying to pay back.

calls multi times of day-i dont recall have any citi acct. im low income, disabled and on soc sec.this must stop.from 8;30 in morn til nite.

Dear All
I got robbed by Citibank, they do robbery in a smart way, they abuse the "Available credit limit", when you deposit money sometimes, they ignore your new deposit in the available credit limit, while they show it in the statement, then after a month you find that your credit limit didn't increase, they steal thousands of Dollars from every customer every month through credit card transactions, they stole 800 last month and stole 1800 today!
The problem is that they keep records and if you sue them, they will deny what you say and bring forged records that prove that you are insane, so they best way is to close your account with Citibank and stay away from them, they are good at stealing money then convince you that you are stupid and totally mistaken about what happened.

In December of 2011 I made of purchase of $82.76 from Home Depot using my credit card from Citi. When I finally was billed in March, I promptly paid the amount of the purchase but not the late fees. The failure of Home Depot and/or Citi to generate a bill cannot be remedied by assessing bogus late fees. I am not in a “cannot pay “situation. This is a “will not” pay situation. The "fees" now exceed $180. I would strongly advise anyone to use another credit card other than the one provided by HD from Citibank.

6 / 09 buy one plant get one free if you open account. Days later, cell phone talking driver totaled 3 cars and hit fire truck. My back was broken x2, legs crushed, left foot broken, spinal cord injury, traumatic brain injury. Two months after accident was in rehab hospital when learned of past due $49. 00 statement. $49. 00! Was 30 days late. Paid immediately. I was told by experian rep it should have been forgiven. When talking to a representative of the bank he was very scarastic and nasty. For three years they have showed as past due even though it was paid as soon as possible and i called to tell them the circumstances, lowering credit score. Instead of a perfect 850, rating it is 790. I am furious every time i see it.

27 June 2012
Citibank NA
8th Flr., 1 Eastwood
Libis, Quezon City

Letter of Complaint – Citibank Visa

Sir,

You have had my business since 1995 and in all this time I can only describe your service as
mediocre, at best. This starts with just trying to get in touch with you; a telephone system that is such
an ordeal, it would leave anyone in a real emergency dead before he got through. It was hard enough
getting this contact. It seems Citibank does not offer the option to send them complaint letters. While
I would not be surprised that nothing comes out of this complaint (as nothing has ever happened to
those I’ve made by email and to your telephone operators) I write it anyway for the record, and for
purposes you will find out later why.

A more concerning issue is the cavalier manner by which you cancel and/or block cards with blatant
disregard to the inconvenience you cause to the customer. In my particular case, note the following
from 2009 to-date:

- that card was reissued on March 2010, valid until March 2013;
- the card was again reissued on June 2011, valid until March 2013;
- the card was yet again reissued on June 2012, valid until March 2013;
meaning the card will be reissued again in 9 months.

When I tried to use the latest card received last week it was again blocked. After the painful exercise
of calling, you “reactivated” the card, but cannot, or will not, give a reason why it was blocked. You
do not seem to care about the hassle, and embarrassment you put the customer through. This seems
to be a regular event, each time shortening the card validity. Thank God I did not fall for your sales
pitch to have my utility bills paid against this card.

In the past the reasons have always been the same - card has been compromised or was part of a
batch of cards which you had to recall. You like to say you are doing this for my protection. If this is
true, and if the card was compromised because (e.g.) I used it in establishments or on vendors that
you consider dubious, then why not tell me who they are? You are already charging me extra for an
“added security service”. What’s so hard about calling my celphone while I’m doing the transaction
to warn me. You used to do this before? Otherwise, cut the ###. The truth is your security system
sucks. And you are so fixated on profit generation that “service” (a word you have yet to learn to
spell) does not come into the equation.

Please tell me then how you are going solve this, or if I should cancel this card, and all my other
accounts with Citibank, and take my business elsewhere.

Yours truly,

I complained about ICICI Bank, poor and totally lie service to the CEO Chandha Kochhar. Her ego got affected and she ordered my saving bank account to be closed. Her slave staffs against RBI guidliness to satisfy Chanda Kochhar ego closed my account and the CEO has taken the amount. I have written more than 100 mails to CEO directly, but no response. Want compensation of 1 Million Dollars.

in early may i stated receiving credit card solicitations from citi bank indicating 0% for 18 months on transfers and 0% for 12 months on purchases. i ignored the letters for awhile and then decided to apply on line to take advantage of the offers. i went to the citibankonlineaps site and applied for the card. i was approved immediately and the cards came 2 weeks later. upon receiving the casd it was a mastercard in lieu of a visa with only a 4800.00 limit. i called their activation phone and was told that i aplied for the wrong card and should go back to their website and reapply. he said he couldnt do anything else to raise the limit so therefore i went back to the website and reapplied for a "thankyou citibank card". again it was approvedthis time with an 8100.00 credit limit. the cards arrived and i called to activate them and ask about the 0% offer and again was told i applied for the wrong card however this time i asked for a supervisor. she said dont reapply, she said she would try to increase the limit on the simpllcity card as it had a 0% offer. i agreed and waited a few days for a response. i got a hold of another supervisor who said nothing changed and that the first supervisor was incorrect to say she could trry to increase the limit so i could make a 0% transfer. so far they had given 13100.00 in lines of credit which was more than what i even needed but they could not raise the limits or even set up the correct card. citi bank solicited me not the other way around and all i wanted to do was take advantage of the 0% offers. since i already wasted alot of time and effort trying to resolve this to no avail i decided to cancel both cards and asked to receive written confirmation that i had done so. a week later still havent received the letters. maybe it was my fault because their website is confusing and there are severa types of credit cards but you think someone in supervision could resolve this. i filled out citi baks survey relating this story and havent heard from them. the moral of the story is dont apply for a citi bak card

I was a citibank credit cards holder for the last two years and has cancelled the cards due to a special fee imposed by Malaysian Government to all credit cards holder . Recently I have reapplied for citibank credit cards due to special promotion and offer given by it merchandisers and to my dismay my application was turn down . I have called up the service center and write in to enquire about the reasons why my application was turn down but non of the customer and officers after putting me on hold and waiting can tell me why . In fact I was turn away rudely with insulting words . I am very disappointed with citibank, such a big global bank with such services? I think will stop supporting all citibank products and will not recommend people to use citibank now on.

I am based in Bahrain and I am not a Citibank customer however someone has accidently put my mobile number in their database and I am receiving sms at odd hours for the other customer who is not even aware that I have all his expense and payment details. I have already complaint 3 times to Citibank Customer Service in Bahrain. One can check their and my telephone records if need may be. Every time they say a sorry and assure me that my mobile number will be removed from their databse but I am still receiving sms. I also got a call from Dubai head office assuring me that I will not receive sms henceforth but still nothing was done about it. I am disgusted that is it so difficult to remove a mobile no. from their information?
Firstly it is a complete breach of confidentiality on the hands of Citibannk who boasts of best services and a big name but they are so sloppy and irresponsible. Secondly after I complaint not once they looked into the delicacy of the matter Who will trust a bank who openely flashes private information with the credit card details which belongs to their customer to someone who is not even a customer. If someone misuses this information who will be responsible? Its been happening since 4 months. I kept patience but now I need to sort it out. I have no repose from their Customer service hence I am forced to put a complaint online. I do not see any other option.
Hope I will get some peace and solution.

We received confirmation of Crdit Notify being removed from our credit card account in May of 2011. We were still being charged in March of 2011. We have the confirmation number so we called today and spoke with a representative. She said they would cancel it today but would not reimburse for the fradulent charges since May of last year. They didn't care that we had confirmation and name of the representative who gave the confirmation. I recommend that no one accept a free trial offer for any credti notification scheme by credit card companies. If there are enough people out there who would like to get their money back by filing a class action law suit I would be happy to join with you.

I contacted CitiMortgage, my mortage company, regarding the refinancing of our home. I was given a rate and initiated the loan process. Three days later I was offered a better term with my regular bank, so I contacted Citi to cancel the loan application. The Citi rep offered to match the other bank if I would stay with them. I agreed and waited for the new offer from Citi to arrive. After 4 days of waiting, I contacted Citi and was assured everything was still good and that I can proceed with the appraisal. After cancelling my appraisal 2 times, the mortgage consultant assured me that things are just going to be fine and that he'll make sure the appraisal won't be cancelled. The appraisal was completed, but I still didn't received any documents regarding my refinancing from Citi. I contacted the agent again and was told that I will receive the documents within a week. When the docs didn't arrive, I emailed the agent and was informed that he went on a medical leave and to contact his back-up. He then called me while on medical leave and said the docs were returned to his office, but he'll have somebody resend it. When it didn't arrived again, I contacted him but he didn't respond. I sent 3 more emails, made 5 calls to his back-up and didn't get any response. I had my CitiBank branch manager contact CitiMortgage and was finally told that the "matching" offer would not be honored. The "medical leave" agent has been transfered and there's nothing the back up can do. So after one month of waiting, I've lost out on the great mortgage rate and is forced to look for another lender for my refinancing