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Citi, 388 Greenwich Street
New York, California
United States - 10013

Complaints & Reviews

The complaint has been investigated and
resolved to the customer's satisfaction
Resolved
Citicardfraud processing

In August, I noticed a $361.00 charge on my account that I did not make. I had been at the Merchant during the time the transaction was made, but I didn't make it. I immediately called CitiCard to report the activity as fraud and have them reissue my card. They started and investigation and received a package of information from the merchant. The package included copies of 2 sales receipts. I am not disputing one of the charges which clearly have my signature on the receipt. However, the second does not. The name signed isn't even my name. CitiCard sent me a letter stating they needed more detail to why I'm disputing the charge ... more than the fact that I've already told them that I didn't make it and it has a different name on the credit card slip. The letter they sent stated they needed a reply by 11/20. I wasn't able to reply until 11/21. They're now telling me that since I didn't respond by 11/20 they have closed the case and I'm liable for the charge. I can't believe what the fraud representative told me ... btw she also said that signatures on sales slips aren't required or used. I'm still going to fight this since per reading the FTCs website which states ...

Reporting Losses and Fraud
By law, once you report the loss or theft, you have no further responsibility for unauthorized charges. In any event, your maximum liability under federal law is $50 per card.

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    • Bo
      bothsides Oct 06, 2009

      You are correct, "By law, once you report the loss or theft, you have no further responsibility for unauthorized charges. In any event, your maximum liability under federal law is $50 per card." However, you didn't report loss or theft... you reported a dispute. That is a different thing entirely.

      Your correct course of action would have to been to report the credit card number stolen then filled out a declaration of unauthorized use (affidavit).

      On the billing dispute, if you would have called back they should have advised you write in requesting the dispute to reopened (calling does not preserve your dispute rights), however they may not have given you a conditional credit, but the amount would have been exempt from finance charges.

      0 Votes
    • He
      hewey Mar 24, 2010

      Okay, Citicard just cut me a deal on my credit card payements. I recieved a certified letter sent to my house. And if I pay within 90 days then I am in the clear. I am trying to figure out if this is a scam.

      0 Votes

    The complaint has been investigated and
    resolved to the customer's satisfaction
    Resolved
    National City Bank — worst bank

    NOTE: The following comments are my opinion, based on my personal experience in dealing with National City...

    The complaint has been investigated and
    resolved to the customer's satisfaction
    Resolved
    Citibankcitibank lost its way and it is overcharging its customers

    I've been a Citibank client in the US since 1995, and overseas since the early 80's. I have always concentrated all my business on Citibank, including checking accounts, credit cards, investments, etc.

    Even when Citibank closed all the financial centers here in upstate NY and transfered my account to M&T Bank, I went online and opened the current account I have.

    In the last 12 months I haven't used my Checking Plus (overdraft protection) account. Due to the current financial difficulties we are all facing, I had to resort to it for a few days. For my surprise, Citibank now is charging me a $10 fee every day I post a transaction to it, on top of the usual high interest rates.

    I just called Citibank's phone support, and I was informed that this is a new procedure that started this month, and the only way to avoid it would be to call in advance and have them transfer the money from the Checking Plus account to my checking account, instead of using the automated process.

    This is pure nonsense. In times when all the banks and clients are looking for improved efficiencies and gains of productivity, Citibank finds a cheap way of taking more money, and increasing the burden on its clients.

    What is the point of this? Why this was not widely advertised? Why I did not see any communication on the several times I logged into Citibank's web site in the last few weeks?

    As a loyal customer, I feel cheated and disrespected by the bank.



    I would like this complaint to be escalated within the bank, to someone who is sensitive to the client's needs and the current financial environment.

    If I don't hear a reply that addresses properly those issues and concerns, I will take my business elsewhere.

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      • Pa
        Pat Dec 03, 2008
        This comment was posted by
        a verified customer
        Verified customer

        I completely agree with the absolute absurdity of this new fee. At a time when they are getting huge loans and guarantees from the government to protect their business the have the audacity to levy and/or increase fees on a service that I am would be willing to bet is making them more money than ever before as more and more people are feeling economic pressure.

        I have complained to their customer service representative but I fully expect that it fell on deaf ears and that no one at Citi is listening or cares. Why should they? They can act with near impunity. Even though I have been with them for almost 15 years and do not relish the thought of all things I will have to change to do make the move I am looking for a new bank. One that behaves honorably and thinks twice about and cares for their customers before doing something so stupid as adding insult to the economic injury that had a hand in creating.

        The person who made the decision to start charging $10 on top of the nearly criminal interest rate they charge on checking plus accounts should be fired.

        0 Votes
      • Co
        concerned-for-the-future Jan 30, 2009

        Call all of your elected officials and give them your feelings at http://www.usa.gov/Agencies/Federal/Legislative.shtml. Banks are borrowing money at record low prices and we are paying record high interest rates. All this will kill what is left of our economy and some of us have the only choices of getting government to do something or stop paying which could mean more bailouts and highter taxes becuase you didn't think it would effect you. Bank of America and Chase are the two that have done me and my business the worst.

        0 Votes
      • Tb
        tblazin Oct 05, 2010
        This comment was posted by
        a verified customer
        Verified customer

        This is a complaint on Citi that I'll be taking to the highest level and plan to sue if they don't return my funds to my account properly. I have been a customer since 2008. I have never been late and in great standing. Every month they have been deducting from my available balance. I do not use the card I'm just making payments. This month my finance charge was $47.18 and it was deducted from my available balance..Added to minimum payment as well as my current balance...Which it should only be added to my current balance not DEDUCTED from my AVAILABLE CREDIT..Let me break it down for you..Yesterday my available was $1077.00 Today (new statement) my balance available balance is $1029.82. Min payment $123.18..$47.18 plus $76.00 equals $123.18..The fiance should have been added to current balance ONLY..They are double dipping..If I'm not making any purchases and only paying off the card, how is it legal for them to deduct finance charges from what I have available...I have paid over $3200.00 to Citi and have $1029.00 available ..This has been going on for some time and I'm taking this to the CEO, BBB, My Congressman, and my attorney...MY AVAILABLE BALANCE SHOULD NOT BE DEDUCTED UNLESS I HAVE MADE A PURCHASE AND I HAVE NOT...I HAVE CALLED THEM SEVERAL TIMES AND EACH REP SAYS THIS IS CITI BANKS PRACTICE TO DEDUCT FINANCE CHARGES FROM THE AVAILABLE BALANCE AS WELL AS ADD IT TO THE CURRENT BALANCE AND MINIMUM PAYMENT...IF THIS IS NOT DOUBLE DIPPING (STEALING) I DON'T KNOW WHAT IS..

        0 Votes

      The complaint has been investigated and
      resolved to the customer's satisfaction
      Resolved
      Citibank Creditunauthorized charges

      This is part of my ongoing mess with StoresOnline. When I discovered after the three day period one had to rescind with StoresOnline what a disreputable company they are no matter what complaintsboard says about them, I obtained a provisional credit from Citi.

      They mailed me correspondence requesting more information. They mailed that letter on June 22, 2007 and it arrived on July 3, some 11 days in transit. Note, I live one state to the west, CA.

      They gave me FIVE days to respond! I guess I should have used very expensive overnight delivery with FedEx or something. I thought it was postmark time stamp, but no, they wanted it in their hands in five days. The IRS takes postmarks, but not Citi.

      They sent us another letter for us to give them more information regarding the dispute recently, but it was the wrong account number!

      During my 90-day window to dispute the charge they told me:
      - sent to wrong address (a lie)
      - they gave me a working fax number, but it was the wrong one for disputes.

      We are seriously thinking of taking them to small claims court.

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        • Sh
          Sharon Lewis Mar 03, 2009

          I just received a letter from an acquisitions company who bought my credit from Citibank, and they are offering me a deal. The thing is, I don't have any nor have I receieved any credit in my life from CitiBank. What is this, this is fraudulant. How can this happen.

          0 Votes

        Citibank — internet scam

        I was told that I was a beneficiary of a Mrs. Margret Edward and was asked to send in c/o Western Union...

        London

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        The complaint has been investigated and
        resolved to the customer's satisfaction
        Resolved
        National City Bankfraud and cheating

        I am a Widow, who has been diagnosed with Severe, Rheumatoid Arthirtis in each, and every joint in my body. This is added to the two herniated disc's in both my lower back, and in my neck. Also, I have recently been diagnosed with Fibromyalgia, Plantar Fasciitis, Neuropathy in both feet, Serious Irritated Bowel Syndrom, Sleep Apenia, Severe Depression, and Anxioty, Panic Attacks, and I have Short Term Memory, Difficultly Concentrating, partly caused by having over 100 Grand Mall Seizures from age 19 to 26 years of age. I am also awaiting tests to find out if I have a Learning Disability.

        I live with Excruciating Pain day in, and day out. There is not much that can be done, other then some risky surgery's. I have already had surgery in both hands, do to Carpal Tunnel, a Total, Emergency Hysterectomy, and several other major surgery's. I do not want to have anymore surgery's, and I worry about how many times I have had to be Ex-ray's, MRI's, Catt Scans, that I glow in the dark.

        All this makes it very hard to keep track of all my paper work. It's kind of like, 'Out of site, out of mind', with me. Plus, we have so much paper work, that ends up getting plied on the kitchen table, so if I can't see it, I will forget. I even forget what day it is, or the date, all the time. I walk from one room to another, and cannot remember what I was going to do. I understand that this happens to everybody once in a while, but it happens to me constantly.

        Anyway, I have been here in Dayton, since March 2003, and I hired a lawyer to assist me in getting S.S.I. and, now I filed by myself for S.S. Disabled Widows Benefits, which I'm still waiting for. In fact, I am awaiting a Hearing before a Judge, but it's taking forever. They told me that I need a Bank Account so that when it is approved, it will have a bank to be sent to. I have been receiving Disabled assistance from Job, and Family Services. It's a whole $115.00 once a month. Several times, when I got an Overdraft on my account, I had to pay large sums of money to put a stop to the Daily Bank Fees, to stop them from charging my $8.00 a day. And, again now, they have charged me with $500.00 in Late Fees. I don't understand why they keep approving any purchases that exceed my account balance? I went to talk to them Thursday, and they wouldn't even let me close my account. So, again I asked them what I can do to stop it from adding up more. And, I was told that I owe them a whopping $500.00! Now that may not sound much to some people, but for me it might as well be $510.00! I asked her what I can do to stop these daily charges? Not only the $8.00 a day, but they actually charged me 20 times, with amount's like, $75.00 to $510, in just 20 days. I Pled with her for something I can do to stop any more Fees? She told me she would cut my card, and then told me to call Loss Prevention to get my account closed, and that I can work it out with them, because they would not accept the small payments I wanted to pay, like only $15.00 or $20.00.

        I did call, just yesterday, and they told me that the ONLY thing that can be done, is to, 'Report me to a Collection Agency, who will send me something in the mail, and then I can try to work it out with them? Not only do I worry about not having the money, but it is going to hurt my credit score as well. I don't know what my score is, because every web site I use wants to charge me something. It's not Free, like they claim to be, but I know its pretty good, because when I was looking into an onling business to make some cash, the man told me, 'Your credit is not as bad as you thought it was.'

        I am just so upset about how they keep doing this to me, when they are quite aware of my circumstances, and that I only get $115.00 a month? Why do they keep approving any purchases, if they know it's under already? Plus, they are quite aware that I am unable to pay that kind of money? A few times, when this happened before, when I reminded them that I am waiting to receive S.S.D.W.B, and will have a large retroactive payment, and I need a bank to put it in, they worked something out with me, so way can't they do it now? Oh yea, and she told me she was, 'Putting something on my record, so that I won't be able to open a bank account, ANYWHERE! Is this normal? How can it be right? Even one of the tellers whispered to me, 'I know. It's a shame, because they do it to the people that don't have the money to pay it!

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          • An
            Andy Giovanni Nov 21, 2008
            This comment was posted by
            a verified customer
            Verified customer

            NATIONAL CITY BANK OF COLUMBUS, OHIO IS HORRIBLE. THEY HAVE NO CUSTOMER SERVICE AT ALL. IF YOU CO IS A RIP OFF. I HAVE GOTTEN SO MANY FEES, I CONTACTED ABOUT THE FEES AND THEY WILL NOT REMOVE WHATSOEVER! THEY ARE RUDE, INCONSIDERATE AND IN MY OPINION VERY FRAUDULENT!

            THOUSANDS OF $ IN FEES!

            DON'T BANK WITH THEM IF YOU ARE SMART.

            0 Votes
          • Si
            Simon Apr 02, 2009

            I obtained a motorcycle loan through National City on June 5th of 2008. I handed them the title and I was told they would be taking care of registering the bike. After a month I called to find out where my title is and they said it was on the way. This went on for months. Finally in December of 08 they had admitted the lost my title right away in the beginning and they had no clue where it was. At this moment I decided I was going to take all my money out of the bank and pay the loan off. After numerous phone calls and numerous lies I was finally helped by a manager named Ed. He contacted the previous owner of the bike who took his own precious time to go to the DMV to make a duplicate. Fortunate for me, he was trustworthy enough to not report the bike lost or stolen considering I did not own the bike and National City was not the lien holder. Simply put, I was paying for and housing a vehicle I did not own and that could have very easily been reported stolen. I paid the amount due every month to National City for a vehicle I did not own and was not able to operate due to their negligence. After I contacted the previous owner we set up a time to meet so I can get the title and try it again. After receiving the title, I was told that I would have to pay the money due in order to get it registered. If this were the case I do not understand why the ever kept the title in the first place if it was my responsibility to get it registered. After this happened, I took all my money out, transferred the loan to another bank and have attempted to close my accounts. I went into the branch on Moreland Blvd on 01/08/09 to close my accounts and I was told it will be officially closed during the next cycle. It is now two months later and my account is still not closed. It took me nearly 9 months to receive my title but in no way should it take more than a few days to have my accounts officially closed. I have gone into the branch on more than one occasion and I have been told everytime to just give it a few more days. A few more days has gone and passed numerous times and I am fed up with getting the run around and need this to be taken care of. I should not be able to access my account online anymore. There is no reason why this should not have been able to be resolved in person but I am starting to understand this is how business is done at this bank.

            0 Votes
          • Wa
            warrenhooch May 18, 2009

            National City lost the title to my car as well. I puchased the car in 2003 and have paid it off and they have no idea where the title is. They more or less said it is my problem. They gave me a number to call to get a replacement. However they did not offer to pay for the replacement. Like I said they don't have a problem, they got their money so no problem for them. To bad for me. I will never get a loan through National City Bank again.

            0 Votes
          • Js
            jstack Oct 23, 2009

            city bank is sick people up for their money, national city bank stole $3, 000 from me and they are being investigated for their action, I advise anyone not to bank with them and yes there customer service is not great at all.I know one thing that bank needs to be put out of buisness.


            please dont bank with them.

            0 Votes
          • Lo
            lostcauzz Dec 27, 2010

            (Scenario: National City Bank bought out my bank 2 weeks earlier) On a friday, I deposited my weekly $400.00 paycheck On Saturday, I wrote a check to cover $11.00 for dinner for my son and I. On Sunday I wrote a check to $10.00 to the same place for the same reason. On Monday I deposited A paycheck for $400.00 from my second job. On Tuesday I deposited a $200.00 child support check . On Thursday my account was negative On friday, I told them I was not depositing any more funds until they straighten this out... The following Monday I asked them to close my account. $21.00 worth of dinners cost me $1000 and now, 4 years later I am getting harassing phone calls saying I owe $600.00+ from PNC (the bank that bought National City)

            0 Votes

          The complaint has been investigated and
          resolved to the customer's satisfaction
          Resolved
          National City Bank — ripoff

          thought it was only me! had account but did not order checks.started having bounced check fees . also...

          Citibank Nriunfriendly

          CitiBank NRI site is very unfriendly and slow. The customer service is very poor. They are unfriendly and unhelpful.

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            • Co
              concernedcustomer1 Nov 24, 2008

              You're right. I am from Melbourne and everytime i call them it is diverted to India. The service is very awful. The operators keep disconnecting the phone during conversations. The operators have very little knowledge about banking and are not trained well.

              0 Votes
            • Su
              Suffered by CITI Jul 01, 2010

              CITI NRI is like a Mouse Trap.
              You can only send money to India.
              There is no way you can get it back.
              Even though Reserve Bank of India made simple rules for repatriation, people working in CITI will intrepret those rules in a most complicated way and make sure that you will not get any thing back.
              They are spoiling the image of the bank and causing enough heart burns to the customers.

              0 Votes
            • Ja
              jayaram.123 Dec 14, 2010

              Citibank NRI home loans is run by a bunch of [censor]s, who are not from the banking world. The customer representative is a joke.Unprofessional, unaware irresponsible people. No wonder CITIBANK is under loss. The customer rep I spoke to had no idea as to how the loan works and here is the best part the Country Manager in India is a novice too, looks like CITI recruited a "smart" 23 year old MBA to head the company, man he is CLUELESS. I wihs they stop providing their "SERVICES" bah !! service is a joke. Hope they fire all the Managers who handle this loan in the US and India tooo.. Word of advice do not deal with them!!!

              0 Votes

            The complaint has been investigated and
            resolved to the customer's satisfaction
            Resolved
            Citibank Nri — dishonest business practises

            Citi NRI is the worst website ever built. For one the login is kinda goofy. You have a complex 16 digit login...

            Essentials Gold - Citibankunauthorized charge

            $179.95 was charged to my Citibank credit card as a purchase of Essentials Gold. I have no knowledge of this purchase. When I called the Essentials Gold phone number listed on my Citibank bill, the voice recording indicated Essentials Gold was a membership program. I had never heard of it nor had I ever signed up for it.

            I called Citibank and insisted the charge be removed from my account. I told them that a search of the Internet indicated that this was a scam in which Citibank knowingly participated.
            The operator (in India) agreed to remove the charge.

            I am going to very carefully read each charge to my credit cards.

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              • Ja
                JACK66 Aug 21, 2011

                We're also scammed by a charge of 19.99 per month on our cc bill. We called essential gold and they couldn't explain this, said we weren't on their list and didn't know why we were being charged. Canceling account now.

                0 Votes

              The complaint has been investigated and
              resolved to the customer's satisfaction
              Resolved
              Citibankbeware of these movers

              Earlier this year, I was approved for a student loan with the Citibank, and 2 disbursements were scheduled. However, I used only the first one, as I became ineligible for the second one. I subsequently paid off the first one in full, and the school I'd attended, cancelled the second one. Citibank, however, took a strange position of denying that the cancellation of the second disbursement has ever taken place, and holding me liable for paying it. The school provided me with the statement from HESC that shows the cancellation. My numerous phone calls to the customer service, letters, inquiries, even a complaint to BBB have gotten me precisely nowhere. Citibank still claims that I carry a balance on my student loan. I contacted a school official who placed a call to Citibank, and the Citibank employee claims to be unaware of the status of my loan (even though this name was on the letter from the Citibank).

              This can negatively affect my credit history, let alone my eligibility for the prospective future student loans. I don't know what else I can do, except posting on this site.

              Everybody, beware of Citibank practices.

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                The complaint has been investigated and
                resolved to the customer's satisfaction
                Resolved
                CitigroupI did not apply for this credit card

                I received a mail with a credit card today from Citi. It stated that I had previously been sent a mail letting me know that my Home Depot consumer credit card is now a Citi MasterCard. First, I never received an mail, phone, etc communication from HomeDepot or Citigroup about converting my Home Depot card to a Citi MasterCard. Second, I did not have a consumer credit card with Home Depot, I had an instore consumer card/line of credit. Third, my limit was around $800.00. I called [protected] and spoke with a young lady who said that she could not help me. I asked to speak to her supervisor. Keith answered. I explained the above to him. He proceeded to sell the benefits of having the card. What? I told him that I never received prior communication. He said they sent it to the same address as this mail. I said "What if it was lost at the post office?" Am I still responsible? Is this as if I said Yes, I want a Citi Mastercard?" He said Yes. I then asked him why was my credit line/limit $3000.00 when my HomeDepot consumer card was only $800.00. He then tried to tell me that their plan/card was more flexible than HomeDepot and if I wanted he could lower it. He said that there was nothing he could do and did not offer any other options. This is unfair. With the state of the economy, credit ratings are very important. I have worked diligently to keep a good rating now to have a $3000.00 hit against my credit liability on my credit report. I want this removed off of my credit report. I am sure that other Home Depot consumers have no idea the ramifications of what this letter stated. I called the automated system to cancel my card. It stated that it will be closed in 5 to 7 business days.

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                  Citibank — credit card application

                  I wish to complain citibank telesales unit (mtts) / cpp acquisition sales global consumer group for not...

                  National City Bankfraud

                  In the past i have made mistakes and had to pay over draft charges. In the past i knew i made a mistake and i never had a problem paying the over draft charges. Today though I look at my account and at the end of the day on 10/14/08 I had a positive balance in my account. Today now all of a sudden i got 8 over draft fees on my account posted on the 14th. How is this possible Im asking myself? I reviewed my account and can not come up with anything wrong. After going to my branch and talking to the branch manager I was even more disgusted with this company. He had no awnsers for me except this in not a banking error those fees came from something that is pending today. Well today is the 15th not the 14th and I STILL had enough money in the account to cover todays, except for the overdraft fees that just decided to pop up out of no where on the 14th. Well after arguing with the manager and getting know where i demanded to speak with someone else. Guess what that person was even a bigger ### then the bank manager and still could not come up with an awnser for me. I have no clue what happened here and no one in this company is willing to exlplain it to me, all i keep hearing is that its not a banking error there is nothing we can do. Believe me people this is a banking error I have never seen this happen before on my account and I know exactally how much money i had in there. These people are a bunch of ###s and if anyone has any information for me to how i may be able to get this resolved or how to go about getting something done please let me know. As far as im concerned though this companay is the worst I have dealt with in my life.

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                    • Mb
                      mbolt05 Oct 15, 2008
                      This comment was posted by
                      a verified customer
                      Verified customer

                      In the past i have made mistakes and had to pay over draft charges. In the past i knew i made a mistake and i never had a problem paying the over draft charges. Today though I look at my account and at the end of the day on 10/14/08 I had a positive balance in my account. Today now all of a sudden i got 8 over draft fees on my account posted on the 14th. How is this possible Im asking myself? I reviewed my account and can not come up with anything wrong. After going to my branch and talking to the branch manager I was even more disgusted with this company. He had no awnsers for me except this in not a banking error those fees came from something that is pending today. Well today is the 15th not the 14th and I STILL had enough money in the account to cover todays, except for the overdraft fees that just decided to pop up out of no where on the 14th. Well after arguing with the manager and getting know where i demanded to speak with someone else. Guess what that person was even a bigger ### then the bank manager and still could not come up with an awnser for me. I have no clue what happened here and no one in this company is willing to exlplain it to me, all i keep hearing is that its not a banking error there is nothing we can do. Believe me people this is a banking error I have never seen this happen before on my account and I know exactally how much money i had in there. These people are a bunch of ###s and if anyone has any information for me to how i may be able to get this resolved or how to go about getting something done please let me know. As far as im concerned though this companay is the worst I have dealt with in my life.

                      0 Votes
                    • Pc
                      pcal Feb 01, 2009

                      National City Bank of Cleveland is run by white collar criminals who steal from customers any way they can. I never had an account with them but my daughter jus now experienced the same thing folks on here are talking about.
                      I recommend to every one, put out the word to any one that listens, post where ever you can about it on the internet and yes write your Congress Person and U.S. Senator and dont stop. Lets put those thief's out of business and set an example that we will not get ripped off without consequences to those thief's.

                      0 Votes
                    • Gm
                      gmwrick May 12, 2009

                      They did this to me and I had no choice but to close my business account. I was a day late the following month in my National City Visa, and they closed my account. If that's not retaliatory enough, they quintupled my payment and jacked my interest rate up over 30%. They violated several laws under FCRA in collecting the debt. I filed a complaint with the FTC & AG's office. I'm getting a lawyer and you should, too. This bank has already been in trouble for wrongly insuring loans as FHA- they were fined. This is organization of opportunists and bullies looking to exploit their consumers for profit.

                      0 Votes
                    • Ma
                      magnum Jul 09, 2009

                      We have a loan with National City. Last month I called NC and advised them we would be late on the payment. NC agreed to the late pay. Starting July 01, 2009 to this date we have received 144 documented calls from NC. We did talk with 3 reps and they stated, "we will call you everyday on the 1/2 hour or every minute until the account is paid. We are less than 15 days late. Evidently, calling and making payment arrangements was wrong.

                      0 Votes

                    National City Bankethics, rudeness overdraft fraud

                    I have had nothing but bad experiences with this bank. I don't even know where to begin. First off rudeness is there policy. The bank uses overdrafts like scam income, manipulate these charges in weird mysterious ways for profit and don't explain is a straight forward way why they are applied. The magic phrase, not a bank error legally waives away all customer satisfaction. There have been several other issues such as setting up a custodial account as overdraft protection and then removing it without any notification. When the overdraft protection failed I discovered this. When I asked what happened I was told it is illegal to use a custodial account for overdraft protection. They refused to cover the overdrafts when that was obviously their error. There response was this is not thier problem. There have been other things and I even reported issues to the Department of Treasury for investigation and they never even responded. It is so plain to see this bank and the government are thier own self interest groups. In my opinion National City boarders on criminal and after today will remove my accounts. Their service is exploitive. I would rather do business with the mafia.

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                      • Ee
                        eeyorelover Dec 11, 2008

                        We deposited a check on Friday and had 4 overdraft fees on Tuesday for 34.00 each! I've sent 2 emails to customer service and my husband went into the local branch and was told that they wouldn't take the charges off!
                        This bank is AWFUL about overdraft charges!
                        My husband's check is direct deposited every week and still 2 days after the deposit went in they added overdraft charges.
                        We are definitely switching banks!

                        0 Votes
                      • Sa
                        Samantha Feb 20, 2009

                        I am irate with this bank. As of 2/14/09 I had a balance of 28.00 and a pending charge of 8.00 which had already been removed. I go in this morning to deposit a check and they inform me my act if over drawn $122 and some odd cents. I asked to speak with someone so they could let me know where I went wrong and i was told a firm "NO" we do not assist with overdrafts unless it is bank error. so i just paid it and left. I have been reading online all night about this bank and their scams. I just logged onto my act to see i had another pending fee of 4.56 and my bal was -39.89 This makes no sense to me. I log on again to try and figure things out myself and now my act says i have 0.71 and the 123.00 i deposited today was no longer in there, like i had never paid it. They gave me 2 overdraft fees in 1 day and it says i over drew my act 5 times that day and the next day i "overdrew" it 2 times and they only charged me 1 fee. non the less i ended up with 123.00 in overdraft fees. I am not only confused but extremely mad. i went to one of the local branches for my first deposit and they said since i had not had an overdraft fee this year they might wave it for me but i had to go to the branch where i opened the act. i rushed over there for the lady to be so rude to me it almost put me in tears. This same lady was been extremely ignorant to my sister telling her she does not deserve to own an act when she got her first and only overdraft fee in the 6 years she has been banking with them. I am going into the bank in the morning and closing my act. NOTHNG BUT SCAMMERS!

                        0 Votes
                      • Sc
                        scisco Feb 20, 2009

                        Samantha -

                        Are you kidding me? Really. Can you be any more dumb? The reason the amounts were changing on the internet banking was because they were updating your account. The reason why they do not show a $123.00 balance is because it went towards the overdraft - to bring it past zero a few odd cents.

                        Your account was in overdraft - you know why. Stop being so coy. Otherwise you would have not so easily paid the charges.

                        That goes for all of you. Stop overdrafting your accounts and you will not get charged fees.

                        -1 Votes
                      • Sa
                        Samantha Feb 20, 2009

                        It was not showing the deposit of 40 nor the deposit if 83 that I had put in at all, no where, it should have been in with all of my other expenses. it was no where to be found. that’s what i meant, i did not expect to see it in my running balance. do you have any experience with national city? i have tried keeping my balance in the record book, they even gave me this great big one, i still got screwed in the end, and i left because i didn’t have time to deal with their bs i had to go to work that would be why i am going back in today and as of right now 5 am i have another over draft fee and there is nothing to show in the posted nor the pending for it to even over draw. If i was the only person going through this crap i don’t think over hundreds of people would be posting blogs like this on numerous web sites. How can it go from showing 1 item in pending to it being completely gone and what i had paid towards the overdraft just gone, into thin air? its there then its gone then it appears again a few hours later.

                        No one overdraws their acts on purpose. My moms act goes in the red all the time when she gets gas because a certain gas station holds double the amount until it is paid but she never gets charged for it, she also uses a different bank.

                        0 Votes
                      • So
                        soverien41 Nov 06, 2009

                        i had just under 2 grand in my checking account on 9/30 deposited a pay check on 10/1 bringing to just under 2900. had house payment and another purchase come out same day totalingapprox 550. then on 10/5 overdraft made a deposit into my account when i had plenty of money in there. unknowing to this at the time i moved 1800 to my savings which i still had a little over 500 in my checking account. needless to say this kept going on till i had no money left in my overdraft and when i really needed it it was already used up and i ended up with 238 in overdraft fees

                        0 Votes

                      Citicardexcessive charges and no answers

                      Back in March of this year, I had a $59 payment due to CitiCard. I paid it one day late. I was charged excessive fees and then owed $250+. I visited their web site and asked why and was told that after the payment was late you are charged an additional 1/48 of your balance. My balance was a little less than $2000, so I informed them of that. They told me that there were other extra charges. I tried to find out what they were and they told me they were in the user agreement. I said, "Where are the fees that pertain to these charges in the user agreement?" They couldn't and wouldn't answer. I haven't paid it since March and have turned the card over to a debt settlement agency, so CitiCard turned the debt over to a law office who is demanding I pay $3, 062. Crooks!

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                        • Br
                          Bruce Dunn Oct 14, 2008
                          This comment was posted by
                          a verified customer
                          Verified customer

                          Back in March of this year, I had a $59 payment due to CitiCard. I paid it one day late. I was charged excessive fees and then owed $250+. I visited their web site and asked why and was told that after the payment was late you are charged an additional 1/48 of your balance. My balance was a little less than $2000, so I informed them of that. They told me that there were other extra charges. I tried to find out what they were and they told me they were in the user agreement. I said, "Where are the fees that pertain to these charges in the user agreement?" They couldn't and wouldn't answer. I haven't paid it since March and have turned the card over to a debt settlement agency, so CitiCard turned the debt over to a law office who is demanding I pay $3, 062. Crooks!

                          0 Votes
                        • Az
                          AZSkye Oct 30, 2008
                          This comment was posted by
                          a verified customer
                          Verified customer

                          Bruce --
                          I know how it feels. But you can't just NOT pay CitiBank, or any other legitimate bill, without serious consequences. Especially now when we are in the worst financial crisis our country has been through in almost 80 years.

                          If I were in your shoes, I would try to find a debt relief agency that will help me make payments to Citibank, and other creditors so I don't have further credit problems. It's tough, but you can't cut your nose off to spite your face, when dealing with credit issues.

                          Be a man, take a deep breath, and take care of things!

                          0 Votes

                        Citibank Mastercard & Mercury Drug Cardwant to have my cards cancelled but can't sign on

                        I have two citibank cards (mastercard and a mercury drug card) that i want to be cancelled. I am out of the country (Phils) now and it's hard for me to call. I have been trying to sign on to the citi bank website but i just can't go through. I tried to create a new username and password but still couldn't go through. I am not an expert on computers and I don't know what else to do. I had my daughter in the Phils. to make full payment on my accounts and I would just like to have my cards cancelled right away before i get charged again for insurance, interest and delayed charges. Please help me with this. I just need them to email me that they got this compliant and that i can send my respond directly to that email address as i don't know much about computers. Thank you.

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                          • Ol
                            olatunde david Nov 07, 2008
                            This comment was posted by
                            a verified customer
                            Verified customer

                            i want to be funding be funding and have account with either mastercard or anyone

                            0 Votes

                          The complaint has been investigated and
                          resolved to the customer's satisfaction
                          Resolved
                          National City Bankfraud and scam

                          I also have had the problem of this bank deducting overdraft charges before the Items clear. Also the same problem with the customer reps refusing to return my calls. As a result I have contacted the local news station in cleveland and they are starting an investigation. Additionally I am in the process of filing a complaint with the Federal Banking Commission and I would encourage all to do the same.

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                            The complaint has been investigated and
                            resolved to the customer's satisfaction
                            Resolved
                            Citibankcustomer abuse

                            Never in my life have I experienced worst service over the past 8 months then with citibank dubai.

                            I am a vice president of a company. My company credit card and personal credit card were cancelled by citibank with a text notification the day before saying it had been compromised. I was in india as I travel alot and tried to pay muy hotel bill but couldnt. I then called citibank spoke to 8 people asked for a manager to phone me back but nothing. They would not and refused to tell me what transaction they think was fraudulent and would not send me formal notification so I could provide my finance department.

                            My debit card recently got cancelled also due to fraud. One text message was sent to my old mobile number. I have proof that weeks before I had changed my mobile number with the whole of citibank. To try get it activated I spoke to 9 people they reissued the card, I was told that I was not allowed to speak to a supervisor or manager and was spoken to very badly the customer agent told me they were trained to not say sorry to any customer or apologise to anyone. I took time off work and drove
                            30 minutes to the branch to collect my card. I was sent to 4 different divisions before iwas able to retrieve it.

                            Then to activate my card I needed to log onto internet banking. The same line has been there for two days "we are experiencing temporary delays please try again later" I tried to call their customer care department to try and help - I waited 3 times longer then 10 minutes for the citigold supposed 24 hour helpline to pick up and then and I quote "11 minutes" for lost or stolen card (I thought at least they would answer) but no one has picked up yet.
                            To date I cannot access my money in my account due to inactivation of my debit card. I had to borrow money to pay petrol and taxis.


                            I am appauled - I am cancelling everything with citibank and suggest you do the same.
                            Just for your information I consult in the development of credit bureaus globally in emerging markets. I deal on a daily basis with all banks to assist them in reengineering their processes to become more effective and share data and to date this is the worst bank I have encountered.
                            I hope that at least someone from citibank can contact me to at the very least assist in activating my card.

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                              • Gi
                                Gillian Oct 19, 2008

                                just to put an update on this
                                my debit card finally came but my credit card was cancelled again :) they still have my old nubmers on thier accounts so i have been scolded three times by call centre reps about changing it - I changed it formally and have proof 3 months ago, 2 months ago and twice in the last 2 weeks :)

                                oh and i just got a phone call from the corporate finance saying that because my new company doesnt have a corporate account they cant grant me a personal loan for a property deposit until i persuade my new company to take out an account :)
                                should we talk about KYC and AML here ???

                                0 Votes
                              • Sh
                                Shalabh Kaushik Nov 12, 2008
                                This comment was posted by
                                a verified customer
                                Verified customer

                                Dear Sir,

                                I have used my debit cum ATM card for the purchasing of new tyres . As per statement received from citi bank for the month of Oct 2008, Two times transaction done for one time purchasing .

                                I have signed only one bill against the transaction.

                                So kindly nalify the one tranction and credit the said amount of Rs. 2000 in my account.

                                Shop Name : STANDARD TYRES &BATTE, GURGAON
                                Transaction Ref. No. [protected], [protected] ( Both transaction)
                                Date : 25th October 2008
                                Card No. 5081********3905
                                Card Holder ; Shalabh kaushik, 1732-B, Sec-10A, Gurgaon, Haryana, pin 122001
                                Email : [protected]@yahoo.co.in
                                Mobile : [protected]

                                Waiting for the fast reply.

                                Regards

                                Shalabh kaushik

                                0 Votes
                              • Mu
                                Muzaffar Nov 18, 2008
                                This comment was posted by
                                a verified customer
                                Verified customer

                                Worst ever customer service and humiliation I had with CITI BANK -DUBAI

                                I am a CITI BANK Dubai Visa and Master Card Holder since last 10 year and always make regular monthly payments toward my Visa and Master Card payments.
                                Since I am a bank officer in local bank in UAE I always remit funds through SWIFT MT 103 and it happened very often they pass wrong entries and credit both the installments of visa and master card payments in one account then call rudely to pay monthly installment again as they can not reverse their wrong entries due to system problem.
                                Once I delayed payment till end of month and upon received of call from CITI Bank Dubai told them you may charge me for late payment and the called in harsh tome replied " we do not need your late payment charges" then sent SMS on my mobile that they repeatedly requested me for minimum payment which I failed to do and as a result they are blocking my card.
                                I got Renewed Visa Gold card and did not activate the same due to their insulting behavior and unprofessional way of dealing like policeman with thief.
                                Last month October 2008, I sent my monthly card payment for both Visa and Master Cards and in November received phone call that I did not deposit minimum payment for my visa Gold Card.
                                When I referred my electronic payment which I already made, it was revealed that they deposited visa card payment also in my Master Card account.
                                Again they refused to reverse their entry and rectify the error instead threatened me to deposit additional amount for Visa Card payment.
                                That is harassment and the worst abuse to force customer to be suffered for bank's mistake. Then suddenly I got SMS on my cel [protected] from CITI bank Dubai cel [protected] stating the same lies that despite their repeated requests ( I received just one phone call) I failed to pay the minimum monthly installment and if I do not pay by the same evening till 06.p.m they will take action against me .
                                I feel so insulted and humiliated and now the reason for CITI Bank's loss which is resulting to retrenchment could be understood easily.
                                I will never look to CITI BANK in my life for any sort of Banking and advise the same to others.

                                0 Votes
                              • Ga
                                Gail Jan 22, 2009

                                I have received exactly the same treatment. I have spent the last week trying to speak to somebody and have bene told a pack of lies by numerous Citibank staff. I am not sure if they are natural liars or incompetent. I am clsoing my account.

                                0 Votes

                              National City Bankbad banking at its worst

                              National City Bank has a carefully crafted scheme for taking your money whenever they can. When payments are posted to your account they may or may not be debited immediately. If a payment is posted and not debited for three days, your balance will actually go up and the payment will no longer be posted. If this happens and you check your balance and go out and spend money, the delayed debits can come through in seconds right after your approved debits. If this happens to you, the bank will tell you they cannot remove the overdraft fees unless it is a banking error. This kind of thing does not count as a banking error.

                              Not only that but you cannot close down your bank account if you have someone debiting it and you want it to stop. If you go into National City and tell them you want to close your account, they will. However, if any activity, such as a debit or credit, occurs on your account for thirty days after it is closed, the account will be reopened and you will be held liable for all activity.

                              Also, the agreement that National City Bank has with Visa for the debit cards is that they have to be good for a certain amount of money regardless of your balance. So, if you request that a block be put on your debit card to prevent spending money you don't have, they will tell you that they cannot do that and charge you overdraft fees for every item in the negative. Bank employees are not allowed to remove banking fees that are not banking errors.

                              If you receive an ACH debit charge that National City Bank does not want to pay on your behalf, they stick you with an insufficient funds fee each time that an attempt is made to debit your account. These fees can put you into the negative, and (like overdraft fees) will incur a daily fee of $8 per day after your account is in the negative for four days. If you have not filled out a report of fraud with the bank previous to the attempted debit, you are responsible for the negative balance and fees. It is not a banking error. You cannot really close your account, and National City Bank expects you to simply give away your money to them.

                              When you open a checking account with National City Bank they automatically open a savings account for you and put one penny in it. By default, even if you have only that one penny in your savings account, National City will charge you $10 to transfer anything from your savings account into your checking account to cover debit items if you are going to go into the negative. If you cannot cover the entire expense, you receive not only the transfer of funds fee but the insufficient funds or overdraft fees and fees for late payments.

                              Lawyers tell bankers what they can and can't do, and bankers take whatever they can in fees. That is generally true of most all banks, but National City Bank has this sort of pillaging of people's accounts down to a tee. What they do is perfectly legal, and perfectly evil.

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                                • Sa
                                  Sandra Robertson Sep 04, 2008
                                  This comment was posted by
                                  a verified customer
                                  Verified customer

                                  I had a two person account, that the bank screwed up all the way from the beginning . I opened the account and added my mom, the bank rep decided to head my mother on the account was going change it but it seemed to be a problem so I left it the same to keep from going through the hassle. To weeks ago my account was in the negative, I came to fix the negativity the young lady seemed like she understood and proceeded to correct the problem. I explained to her that I moved my mothers account to another bank and that she is no longer on the account with me. I told her that my mom has a savings where they take out $100.00 a month, so if I tell you that she is know longer on the account and to clear everything up so i want get charged again what does that tell you! she assured me that every thing was taken care of, I paid with a debit card from another bank to clear the negativity. Now its 2 weeks later and my account is back in the negativity again. I went back to the bank again asked for the same bank person. I was very annoyed with her and didn't want to speak to her and asked for a manager. He immediately took her side, by now I was furious. Bank rep knew that there was a pre -authorized money that came out my mothers account each month but each month day after day they were charging me fees. This bank is a RIP OFF!!! Today I closed both accounts 9/04/08 checking and my mom savings and I'm going to warn every one to stay clear or this incompetent bank and its ignorant managers and employees. I was so upset with this uncaring bank I shouted on the way out I hate this bank I'm sorry I allowed my self to stoop so low to say that. I had to make another trip back to the bank I humiliated my self in front of everyone I made my apologizes and left. I wanted to make sure I told both sides of the story in case they wanted to add more to my behavior because of their ignorance. Seems like a ten year old would have asked mam would you like to have this pre authorized & 100.00 off so that you won't get charged. This bank does not look out for its customers. We are the reason you have a job. If you bank at this bank you can rest assure that the customer is never right. Good riddens to bad rubbish!

                                  0 Votes
                                • Tc
                                  TCW Oct 08, 2008
                                  This comment was posted by
                                  a verified customer
                                  Verified customer

                                  Goodness! This is so horribly true! I've only had my account open with National City for BARELY ONE MONTH and already they are pulling these shenanigans!

                                  So I called the CSRs for NCB to see if they could tell me my real balance. Nope. It was exactly as wrong as the online one! "The online banking is just a tool to assist you. Check your register. It works for me."

                                  WHAT?!

                                  Why do they make debits that they KNOW exist go away? Why do they increase your balance and not show the item as pending until it clears???

                                  What is the purpose of this?! I am going to have to close my account because of this deceitful practice. There are millions of better banks with a hundred times better online banking tools that do not try to cheat customers by that niggling, "Check your register, we're not responsible" trick.

                                  Please, explain to me how false posting on and off in the online banking tools HELP customers check their register? If you cannot count on it to be accurate, how can we check our own accuracy?

                                  Deeply disappointed and wholeheartedly agree with this poster's sentiments. I'm closing my account tomorrow.

                                  0 Votes
                                • Ab
                                  aberll Nov 26, 2008

                                  My experience has been that their running balance cannot be trusted! It changes hourly. I was told by at least 8 employees that it was because the merchant did not submit within 72 hours, so money was taken out of and put back into my account. When presented with written proof that that was not so, suddenly it was "where did you get 72 hours?" We have never heard of that -- and then the great stare-down.

                                  I hear this bank is going under. Apparently some employees hope to hang in there when they are taken over and find no problem in taking as much of your money as possible, making you look like a fool and out and out lying!

                                  Terrible bank, terrible, prevaricating individuals!!

                                  0 Votes
                                • Am
                                  amazome Dec 26, 2008

                                  I opened up a Checking account and was given a debit card as a minor. This isn't very ethical because minors tend to be less responsible, and have low incomes. So of course, I ended up overdrafting my account, apparently, instead of declining my card at the point of sale. The bank will charge 36 dollars for any amount overdrawn!

                                  Well one vacation, after I had graduated, and I had 1000 from an open house for school. I deposited money in the bank so that I could use it to buy gas among other things. Since the bank decided that chronology is not important, I was overdrawn by hundreds of dollars. Not only could I not access the ATM because the bank randomly changed my PIN number while I was on vacation to get cash, but they had to take 100s of dollars of a kid's school money.

                                  I called to see how much it would cost to just have my savings transferred over (assuming it'd be around 4 to 6 dollars), but no, it's 15 dollars per incident.

                                  I decided this was ridiculous and switched to CASE Credit Union where the same savings to checking transfer service costs a mere $2. CASE also has the ethical policy of no debit cards to minors.

                                  This bank is nothing but sleeze.

                                  0 Votes
                                • Mm
                                  mmmblt Dec 27, 2008

                                  First of all, banks CANNOT change your pin number without your consent. Secondly, you are responsible for what you spend. You will probably blame someone ten years from now when you are having account problems with another bank. You also have to make sure that your money has been posted to your account BEFORE you spend it. There are signs everywhere that tell you that and it even says that on your deposit tickets. Again, people need to take responsibility for their own actions and stop blaming others.

                                  0 Votes
                                • Sa
                                  sassycrim Jun 04, 2009

                                  I'm having this problem now with this bank. I often check to see if items are posted or pending. When item are pending, I can go over my account by 2.00, and then magically the posted items becomes pending and a billion fee's are attacted to the account and they refuse to waive any, and all from a 2.00 charge! I never received good service from this bank. They are not customer service drivin and they are a complete fraud, I've been trying to close this account for the longest and it seem impossible!!!

                                  0 Votes
                                • Ko
                                  kodex Jul 31, 2009

                                  Well, personally I have not had any problems with this bank so far, 1 month running. It seems to me that ya'll don't know how to keep track of your check book...if you did that then you wouldn't have to check your online account. Regardless of what my online account says, I just go by what my check book says, that way I don't go over the amount of money that I have.

                                  0 Votes