Citibank
reviews and complaints

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

Citibank needs to be pressured with Imminent (BK) Threats or Mediation Law and Procedures.
They are basically a giant collection agency. They purchase the distressed mortgage at Extreme Discounts from various key players in the sub-prime arena. They collect aggressively on this paper. They do not play by the rules and need to be pressed hard.

We have completed successful loan restructuring cases with Citibank. They are all long run and brutal battles.
Feel free to visit our website for further details on avoiding a Pending Sale Date.
www.freshstart-mortgagesolutions.com or www.freshstart-legalnetwork.com
You may also call 1.877.297.7011

Good Luck Homeowners.

I had two CitiBank accounts in 2011. With substantial amounts of money on deposit. When CitiBank imposed a $30 per month service fee, I immediately moved to get all of the funds withdrawn and the account balances both to zero. I told the teller, upon taking the last small amount of funds out, to close both accounts. I thought I was done with CitiBank.

For the seven month period subsequent to making both account balances zero last year, I now discover that CitiBank has been transferring funds neither account has on deposit between the two. It has imposed monthly maintenance fees, interest charges and overdraft fees. CitiBank put its own funds into a zero balance checking account to force that account to carry a balance subject to monthly service fees. As if I had borrowed money by cash advances or otherwise.

CitiBank now claims that I owe a substantial principal amount and must pay the present sum of the overdraft within 15 days or the bank will do what it can to ruin my credit rating and collect the money. What CitiBank did: create a debt in its favor out of two zero balance accounts where there was no intent to borrow on the part of the depositor.

I've given CitiBank 15 days to straighted out the mess it made for its own benefit or all of the paperwork and the threats from CitiBank will go from my desk to banking regulators. I cannot be the only one in the whole world where CitiBank creates debt obligations in its own favor out of zero balances and then threatens the customer with a "pay up or else" demand.

Don't do business with CitiBank is the best advice I have.

Cancelled card via Telephone. Card had 0 balance. Spoke with an individual with an Indian accent so thick I thought I was talking to "Peggy". Peggy insisted I had a $69 credit. I insisted that I did not have a credit balance. He indicated I could only close the account if he sent me a check for $69 - I agreed. 6 months later, I received notification from a debt collector for an unpaid balance on my closed Citcard. NEVER received any billing or correspondence from Citi. When I attempted to call Citi, I was transferred to the debt collector. I wrote Citi and received no response. They have dinged all 3 credit reports. ABSOLUTE ### - THEY COULDN'T CARE LESS ABOUT CUSTOMERS. They should seriously change their name to [censored]IBANK.

Randy Irwin
Minnesota

Hi, I received a mail from citi bank region head. ---
This is in continuation to your recent mail to us dated 26th June 2010. As desired, below are the clarifications to your queries.
Point #1: As against your current loan outstanding of Rs. 578407.89, we are settling the account for Rs.2, 80, 000/- based on your request and offer made by our service provider team at TCS Eserve, and hence the balance outstanding of Rs. 298407.89 constituting principal, interest and other charges, will be reversed towards full and final settlement of the loan on receipt of the above settlement amount. Please refer your mail dated 25th June 2010.
Point # 2: We have been trying to reach you on your contact number, 91XXXXXXX1, but unable to establish contact.
Please provide your contact details to enable our Citibank authorized collection officer/call centre to call you and provide update on the offered settlement towards closure of your personal loan account..
Alternatively, you may call me on my mobile number 919XXXXXXX7 for further clarifications. You are requested to remit the above settlement amount of Rs.280000/- immediately as per settlement date failing which the settlement would stand null and void.
--
1. I was reciveing many calls from many people, they will threaten me, use the foul language, and challenge me to come to office to threaten more.
2.Many different people come to house and harass me, frighten me, to get whatever extra amount they can.
3.when i approached the advocate about the same, everyone disappeared, so i couldn't make any deal.
4. the amount of 578407/- is actually with interest and late charges, the actual amount is around 298000/-

Looking at the seriousness, I have borrowed the money from someother sources, and cleared the said amount on the due date 25 jun 2010.
But now, after one and half year, Dec 20111, still my name is not cleared from CIBIL. I really don't know how to resolve this.

Please help.

I have a Sears Mastercard that I use for my online shopping. Recently I tried to make a purchase with my card, only to find out it was frozen. Upon calling the 800 number I found out this was due to "suspicious activity".

The suspicious activity has a name; it's called Cyber Monday and Christmas Shopping. There were no mistaken charges, no double charges. No nothing. I hit a series of major bargains and got my Christmas shopping done. Apparently some algorithm or other thinks that bargains are suspicious.

To top the whole thing off, today I received two written messages saying my card had had suspicious activity and that I was to call you immediately if I hadn't already taken care of the problem. The letters were dated December 2, days after I'd already called. The letters claimed you called and were unable to reach me, which is untrue. There were no calls either live or on my answering machine.

I am left to wonder if it would have flagged five or six big ticket purchases. The last time it was frozen, it was because I tried to pay for a shipping label on USPS.com - the Post Office website. What I'd like Mastercard to do is rewrite its software so that normal Christmas shopping appears to be what it is - normal.