New York, California
United States - 10013
thought it was only me! had account but did not order checks.started having bounced check fees . also...
CitiBank NRI site is very unfriendly and slow. The customer service is very poor. They are unfriendly and unhelpful.
Citi NRI is the worst website ever built. For one the login is kinda goofy. You have a complex 16 digit login...
$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.
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.
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.
I wish to complain citibank telesales unit (mtts) / cpp acquisition sales global consumer group for not...
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.
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.
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!
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.
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.
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.
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.
I had an medical emergency and needed a credit card so i thought Citibank would be the most reliable one. But to my astonishment they are teh most careless bank. I filled the required form with the help of a Citibank agent and attached all the asked documents with some extra to support the speedy processing. I was promised that in 2 -3 weeks time i would be provided with a card. My salary -is way beyond the annual asked for and i work as a manager in the largest food company in the world (Nestle). I waited for 6 weeks no card... then i called the agent who facilitated my card process.he informed me my request for credit card was rejected on the basis of my company did not verify for me.I was amazed so i crossed checked with my company and found no one has verified here. After another week i get these 2 regret letters from citibank addressed to a sub branch of Nestle in singapore far from my office, whereas i had specifically mentioned the complete office address infront of the agent in the form, still citibank called the wrong office due to there negligence and must have asked for me... where i don't work and sent the regret letter to the same address from where i retrieved it today after almost 6weeks of applying... its a serious negligence on the part of citibank and in am very avoid with them as i wanted to trust them in the time of need. Its really sad... i tried to log on complaint in the citibank website but to my surprise again there is no customer feedback section or complaint format to do it on the website...
had an agreement with a 3rd party collecting agency for citibank philippines to settle credit card obligation for 20, 000 php for a period of 3 months. was able to pay total amount of 7, 000.00. however because of unforseen medical expenses was not able to finish terms. asked if they could extend period of time to pay but instead agency has resorted to harassing me at home and at work. in danger of losing job what to do?
Open letter to Citibank:
Dear Sir/Madam - There is no category for this issue - and I’m sure this email will be lost on its recipient - but it will make me feel better. So, when did Citibank get sooooooo big and impersonal that when my check came across a Citibank teller's desk in the amount of $2, 500.00 from Mary Smith, made out to "the new Mr. and Mrs. Smith" with a great big "congratulation" in the memo, the dimwitted teller would bounce the check rather perceiving it's importance and giving me a call. A ### with absolutely NO cognitive abilities should have been able to figure out it was a wedding check from a mother to her son and new daughter in law. There was more than enough money in my linked account to cover the check. I understand, it was MY error, but there was so much excitement and wedding preparations I forgot to make the transfer. I understand that the bank can't call for every little thing ... but this SHOULD HAVE BEEN BIG ENOUGH to have generated a call. A call would have been "considerate", it would have been "nice" -"appropriate" - "professional" It would have been "the RIGHT thing to do." That seems to be a concept lost on banks and bankers these days. And please don't respond with your banking babble and blah blah banking options - not interested. I have been a Citibank customer for over 15 years and this was disgusting - it is about "personnel" and "personal" … Not banking options. Oh, and then, to add insult to injury we have the $34.00 fee! What a joke. Shame on Citibank. Alice Scanlon
I visited Citibank Canada office located at 123 Front Street, downtown Toronto on September 8, 2008 (Monday...
In mid-July 2008, Citibank arbitrarily wiped out all 194, 000 air miles I had accrued over a 10-year period. I was offered nothing in lieu of the miles, nothing. One day I had them, the next day I didn't.
I owed the company nothing at the time, and I have been diligent in paying them everytime, on time.
Who would think that Citibank would steal the air miles I accrued while spending all that money using their card? This is the kind of sorry business practice that I hope brings ruin to Citibank. I won't do business with them in the future.
It's another example of how corporate America has broken faith with working Americans. They want to give you one of their high-interest cards, they want you to pay an annual fee, then they steal the miles you supposedly got for doing business using them or get so deep in debt you're in trouble.
My suggestion is to drop them now, before they put you into bankruptcy or steal your miles.
Ripped Off in Buda
The Citibank experience is not worth it, believe me!!! My mother saw a promotion from Citibank that offered a $150 Gift Card for opening accounts at Citibank. For us, this promotion was just horrible and a stressful experience! When a company makes you go through hoops just to qualify for a promotion it is simply not worth all the stress!! What happened was my mother is at the point in her life that she doesn’t feel comfortable driving anymore, so, I offered to take her to Citibank, so she could qualify for the $150 gift card promotion, but, I didn’t realize that it was the last day for her to qualify for the gift-card. When I found out I left work early so I could pick her up and drive her to the nearest Citibank branch. By the time I picked her up and she was in the car there was just enough time to get her to the local Citibank branch just before closing. To assure we would be on time, I asked my mother to use my cell phone to call the local Citibank branch and verify that we have the correct street address and ask for some basic directions to the branch location. When she called Citibank, it was ridiculous! She was put through a huge barrage of computerized voice menus and sub-menus, that said “press or say, #1-0” etc. for this, that, or the other. She eventually finds her way through a labyrinth of menus and eventually presses the right combination of buttons and eventually gets a live person on the phone, but then, it seems that she’s having difficulty communicating with the connected Citibank representative, I thought it was because of the car, or the noise of driving, so I pulled off the road so she could hold a conversation. Then she utters “this is someone from India” and I could tell my mother was having a lot of difficulty understanding the foreign Citibank representative. Oh My God, this is absurd; I was thinking, it seems this person is not going to be of any help to us at all!! The representative was defiantly not local, not by a long shot! Can you imagine, you’re on the road with only about half an hour to get to your local Citibank branch before it closes on the last day to take advantage of a promotion and so you attempt to call just to get your bearings and your call is then routed to someone who isn’t even in the same country, or even the same continent for that matter! Furthermore, if I worked for Citibank and someone from India called me in the United States just to ask me a question about their local Citibank branch in India, I wouldn’t blame them if they where upset also, especially if I couldn’t help them, or they couldn’t understand me. Anyway, I just thought mom could call the local branch and ask someone for simple directions and verify the street address, was I wrong!!! We didn’t get any useful help from the foreign Citibank representative on the phone, so, by the time we got to the Citibank branch it had just closed by about a couple of minutes or so. I felt so bad so bad for mom I offered to give her the $150 out of pocket, but she refused, because she’s always encouraging me to save my money. This whole miserable experience was so upsetting due to the outsourced customer service from Citibank I told her that I would be willing to pick her up next week and drive her to a local branch and she could close any accounts she had with Citibank, hopefully she can find a bank that will let her talk to a person from her local branch..