Citibank
reviews and complaints

I am a Citi Priority customer. Called Customer Service for a MFA code error at [protected].

The level of background noise and static with distorted voice garble is the worst. Customer service representatives can not be understood, the background noise is horrible, you can hear what they are talking about with other customers. Overlapping conversations. But you can not hear clear the representative that is talking to you. Is like their microphone was malfunctioning.

I asked to talk to a Supervisor who identified herself as Manager of checking accounts and her voice was not understandable and spoke very fast. So fast that I had to ask her to repeat many times.

I explained I had an issue but only got "text scripts" answers. I could not hear anything well.

Gave up.

Asking to improve the service and quality of the communication service of your customer service center. If this is your quality service for Citi Priority customers I can not imagine for normal customers.

It is a simple solution : Get better communication systems and isolate the call from background noise.

On january 18, we received an email notifying that the account was blocked because "inusual activity". In that email we were aware that we need to call back to the Fraud Department in order to "review recent activity" in our account.

We had called more than 2o times to that phone, and has been impossible to solve the problem, because they said don´t have a way to verify our identity.

We have been living in Colombia since 5 years ago, and then number registered in the account is the colombian phone nunber of Ney Molero Martinez. In that number We have received a lot of notifications and verification codes, so we cannot understand why now they said cannot call a number outside USA.

The real problem is that the account remain blocked, and we cannot use to maek payments scheduled in the account, as the payment of Health Insurance, in example.

We need a urgent way to solve this problem so we can use our account.

On October 11, 2022. A check for $10,015 was issued to Citibank to pay off a debt. The check was cashed, but they cannot determine to what account it was applied. They reported the account as late and dropped my credit score by 70 points and it is creating adverse reactions from other creditors. I have the cancelled check and numerous letters and emails. It has now been 4 months and they still can't resolve the issue.

I want the payment applied as intended and the credit bureau information corrected.

They're saying I have a late fee. I beg to differ I mailed another citicard payment went to the same place Philadelphia 10 days ahead of time I live in Pennyslvania that is a couple hours away it doesnt take that long to get there. I Dont know what is going on with the credit cards payments I pay by check has the correct info rt info on them, I mailed another credit card payment I pay by check, correct rt info same time to MO & no prob. Is someone pilfering, under the table already, want to put the postal system out of businees how I pay for my stamps too by check. Things will get worse with electronic payments why I Dont like to it Nor others Not correct rt info for me, people have probs with that & worse. Why cant you talk to a human alredy their system is Not user friendly. I also want to know I have a prob even getting on to the system I have diff cards & I cant get into. Do I still have $100 dollars on my credit card for the American Lung association I only wanted to give $5 got a hold of them they charged me $100 dollars I Dont have to give, Disability retiree severe asthma copd acquired work NO fault mine caustic what I cant be around. Nev into drugs Nothing ever up my clean nose left Nor rt hand dominant. I only gave $5 that would be tripled Not my fault said 2 times it would be off my card. Card #[protected], P (Patricia A) Harleyheterosexrtlungs (Patricia A Harleyheterosexualrtlungsvr). My phone #[protected] I Dont like be taken across from anyone & I am being honest.

I have been having real problems trying to log in to your web page. Sometimes I have to enter my password up to ten times before I can access my accounts. Once I am in I am told that "we are having temporary technical difficulties, try again", or words to that effect. I have called numerous times to your technical support without any results, and yesterday I was told by a very rude agent with a heavy accent, incomprehensible at times, that I was "ranting" when I complained that this has been going for ten days and that I didn´t need "sorry for the inconvenience" but a real solution. Today I was trying to access tax documents, after entering my password exactly eight times and being rejected, and the result was a totally blank page for about twenty seconds and then I was logged off from you site. This happens every single day and I am really annoyed by this type of inefficiency from Citibank. Your technical support agents cannot give me an explanation and they suggest that I change my browser, which is something I am not ready to do, the problem is with your web page and not with my browser.

Please find a solution to this situation, I have been your customer for many years but if this continues I will have no option but to change bank.

Thank you.

Enrique S. Rasmussen

Costa Mesa, Ca.

Cell: [protected]

I activated a 12-month financing promo from a Best Buy Citi card email for outside of Best Buy purchases over $599. I then went to Expedia to purchase a travel package of 3 tickets and a rental car on 2/7/2023. The purchases appeared as 4 separate transactions on the same day, American Airlines (3) then Expedia (1). The totals of each transaction were under $599 separately but when I purchased the total was over $1500... When I messaged online 2/15/2023, I was told how to move the transactions by copy/paste in chat and when I did, they told me I had to call. I called and spoke with 'Grece' who told me they can't, and I had to call Expedia to have them re-do the transaction (which would cancel my flights...) I told her there has to be a way for them to just group them for the promo purchase because it's obviously what I intended. I asked to speak with Mgr. and she directed to 'Gabe with Team #12' and he said same thing. This is ridiculous that you can't tell the intention was to make purchases on this promo and the purchases do qualify if added together but Citi is being hardnosed about it. I've worked with GE and Synchrony when I worked at Lowe's and they were always extremely accommodating and used common sense to provide excellent customer service. CITI has really fallen short here and will lose my business on my Best Buy Citi and Costco Citi card.

On January 2,2023 I opened a Citibank Accelerate savings account online. I then transfered $50,000 from my Keybank account to take advantage of the interest rate. I received an email on january 2nd welcoming me to Citibank. on January 20th I received an email stating my account had been blocked because of suspicious activity. I had initiated no activity since the deposit. I called the bank as requested in the corrospondence. I was asked a few questions about who I was then was transfered 4 times. Each person would not give me any information about my account activity or my balance. I asked for a supervisor several times but was denied. They kept saying I had violated the terms of my agreement with Citibank. I would ask how and they would just continue reciting a script. They said that Citibank was closing my account and it would take 60 days. They said that IF there was any balance left the y would send it to the address on file. I asked what the balance was, they weren't allowed to tell me. I asked to verify the address on file, they weren't allowed to do that.

They then hung up on me.

I called again the next day. The results were the same. No information, no help, no supervisor, no options.

The next day I received an email stating they were closing my account. That upon review they noticed I had violated the terms of agreemnt in there client manual. It stated that no activity could take place and it would be 60 days before it would be closed. It also said I should verify the address on file.

I am absolutely disgusted with the customer service I have received over the past two weekends while I have been trying to get into my online account. I have spent hours going from person to person who has asked me question after question in order for me to update my phone number. I believed it was fixed last weekend but I am still unable to log in without using a 2 step verification process involved my old defunct phone number. I have been a great customer for many years but am planning to cancel my card at this point. I cannot get into my account and cannot waste any more time.

And one more issue is that I received a letter this week that states I have requested to no longer be notified if I have a past due account. I never made that request.

Karyl Rattay

I called and had Citibank put a block on my account as they let someone take 29000 out of my account. They researched and found out they owed me my money so they credited it back to my account and closed my account May 20th and 60days after that I should of had my money. Nope and still haven't gotten it. Everytime I call they tell me it's in mail and they are hanging up on me. I want my money. Thanks Lisa Vannett

On 8/17/2022 I opened a checking account on Citibank then deposited $75000 into it before 8/24/200 by using promotion code 4M76J72KYD. Before transfering the money to my saving account on 10/28/2022, I chated with a representative, Amoria,online to confirm whether I have already qualified the cash bonus rewards, and I got a clear and positive answer for that. Amoria also replied that the bonus should be deposted into my account on around Jan 14,2023. Since I didn't check it displaying in my account on Jan 16,2023, I chat online and get a case number R107616230117 to ask me wait for 7 business days to go through processing. After 7 days past, I was being told to wait for two more days for the case still under investigation; then two more days, and other two days. Today (Jan 31, 2023) I call their customer service and try to complaint; unfortunately they ask me to wait for more 7 days. I was really unhappy and disappointed with that.

01/27/2023
To Citibank
Reference Double Cash card #[protected] issued to Martin Brody in 2008
On 01/27/2023, I received an email stating that my account was past due. Here is what you need to know.

I have had this card since 2008 (14 years). I have spent many thousands of dollars with this card. I have always paid in full, have never paid an interest charge.
I stopped using this card to take advantage of a business situation and was due to resume use in April 2023. I left an automatic $5.00 monthly contribution to NPR to stay on the card. This was the only use of the card until April. Consumer Reports renewed my subscription using the card they had on file from previous years, which was your card. My fault for not catching this.

You would think that after my history with this card, you would want to find out why a small charge that was the only not paid charge in full for 14 years! Then to charge a late payment fee larger than the amount owed is just insane. I did phone and the woman was very hard to understand and she talked way too fast.

I paid $30.00 today. I will not pay the $30.00 late payment charge. I have taken this card off of the $5.00 monthly donation to NPR.
Cancel this card. I will shred it. Please send me a confirmation. I have a quarterly newsletter that is read by 3,437 academics, and will be telling my experience with this card In the next issue.

I am just so disappointed, as I loved this card and told many people about it.
Martin

On August 20th 2023 I received a conditional credit and in Sept this credit was reversed with me never receiving the product. I feel this credit should have never been reversed. This is when the problems started

I never received the letter from Citi asking me to sign and return to continue the dispute

When I enquired about the dispute on December 7th I was told it will be reopened.

I received an email (see below)on December 16th 2022 the dispute has been resolved and I have not received any credit

After many phone calls Citi Group’s customer service I was told to wait 7-10 days on 4 different occasions (over a 25-day period) that the dispute is still ongoing

I was assured I would get my credit and now being told I was to late in filing

I did receive an email stating the dispute was resolved and did not get any credit

I've been with Citibank for over 10 years and always in good standing - never had any issues with multiple accounts/services. Over the last 6 months they've implemented enhanced fraud protection services which are a complete nightmare. I've had 6 innocuous charges declined for things like food, parking garage, clothing items (and all within 50 miles of my home). Their customer service is a joke - I can never access the online chat function, there is no way to send an email to them, and if I can ever talk to a representative on the phone it's always an overseas call center with a poor connection and an agent who is hard to understand and only reads from a script and never answers any questions directly or resolves any issues.

Recently, whether I'm trying to submit a payment through Zelle, transfer funds to an outside investment account which I've already registered, or just simply download 4my account statement, I'm prompted to "Call for a 1-time access code."

The final straw was today when I get a call from my gym's owner saying my recurring payment was declined and to confirm the card on file. I confirmed my debit card info (this is an autopayment I set up over 6 months ago) and again it was declined - how embarrassing to be a responsible adult and have my card declined while there's plenty of money in the account. Again I call their atrocious "customer service" line and am told this is a suspicious merchant and they cannot allow the payment. I told them that that explanation did not make any sense and I've had this autopayment in place for nearly a year. Their response was to use a credit card - this is unacceptable. It's my money in my account and I shouldn't be restricted by guidelines they fail to disclose for routine payments.

Posting this here since there's no other way to get ahold of these faceless clowns. Closing all of my accounts tomorrow and going with Chase. Thanks for nothing but headaches, Citibank.

I had fraud on my account from Istanbul Turkey. I've contacted Citi well over 20 times about my account. Due to frustrations, I requested to close my account. Now, I have no access to my account online and was told once I closed my account, I lost access. No statements are mailed out monthly but my minimum payment keeps increasing and I can't see why. I called Citi AGAIN on today, January 19th. A young lady advised me she was transferring me to a manager. However, she transferred me to another department to a lady named Joy. Joy then put me on after requesting a manager over and over. Raymond then gets on the line and isn't listening at all to my concerns, instead tells me he's getting me over to Technical assistance and the call disconnected. Called back to speak with a manager again and an agent named Mirzam refused to put me on the line with a manager, stating they won't take calls from customers unless they tell them exactly what I need. Though I just spent almost an hour on the phone with someone from Citi, still not able to get online, never able to request statements be mailed out, or inquire about why my interest rate has doubled and why my monthly payments have increased. Tried reaching someone via chat who could put me in touch with corporate. Tessa, the representative, then sent me back to the regular customer service line where I encountered Mirzam.

I applied for and was approved for a Costco Visa. Even though I supplied my PO Box as my mailing address, Citi mailed my credit card to my physical address. I live in a rural area that the post office does not deliver to. When I called Citi, they said they would mail out a card to my PO Box. Again, they did not. When I applied, they auto-charged the tires I was purchasing to the card. When I called on 1/17/23 to pay this off, I requested an email confirmation that my balance was now zero. Their rep replied that I could only view it online, they would not send an email. As their system will not let you log in to your account online for the first time unless you provide the security code on the back of the credit card, which they wouldn’t mail to me, I could not do that. When I explained this to the rep, she said that was still the only way for proof my account was zero. When I asked to speak to her supervisor, she stated that I could only do so if I provided a “real reason” to talk to one, and then hung up on me.

Banks have changed their policies on how they handle chargebacks. This includes Citi.

Customer protection is no longer guaranteed. For example, if you are charged for a service you believe was improperly performed, chances are you will be charged for it and won’t get a chargeback refund.

For example: A company performs automotive repairs. You take your car to them, expecting it to be repaired, but it’s not. The company can claim they did all they could, but the problem could not be remedied by them. It doesn’t matter whether they falsely advertised they could do repairs, and can’t. It doesn’t matter that they’re incompetent. You can still be charged the full amount, and not get your money back.

This happened to me recently with Citi. I sent my computer to be repaired. It was returned with a note saying they do only minor repairs. Anything other than simply replacing a hard drive was beyond their abilities. I was charged the full repair amount, even though it was not mentioned in their advertising that they do only minor repairs. Citi sided with the merchant, denying my chargeback in full. I objected twice, but Citi still denied my chargeback.

i am having bad times with citi card purchase dispute center too. All credit cards have chargeback. If any case you have been fraud or not happy with your purchase, they are suppose to do a chargeback. That is how you have liability protection. The credit card company, from the seller and the buyer do the reverse charge if the buyer is not happy with the purchase. I know because I run a business. No questions asked, just reversal without my involvement. No reversal only if it was fraudulent and alike. And it's not like everyone does it either; only like a few in a year.

My case, the usps tracking number shows the post office didn't receive the item to be delivered. Also it shows that an item that weighs more than 13oz was sent using First Class Package. The max weight for First Class Package is 13oz to 15oz. But the Citi Dispute Center said they were told the item was shipped so it's over. So I contacted customer service and they forward me to nobody and made me wait an hour!

I am also thinking of leaving citi bank and citi card. They are not careful of who they hire. They are hiring bad people.

Citi does not honor the protection.

Citi does not do the chargebacks.

I recommend you all go to a better company.

I don't recommend Citi anymore (customer since about 2000).

I don't recommend Truist. Definitely STAY AWAY from TRUIST!

Respected Sir / Madam,

We,the Importer in India with the Name K N INTERNATIONAL having Current Account with Kotak Mahindra Bank, Kalbadevi Branch , Mumbai , Maharashtra ,India made an Advance remittance of USD 50739.51 against UETR NO. c999a59f-9382-43C9-85e0-f1d9f9fe06c6 Dtd 05/01/2022 to our buyer from China, Yiwu Shirley Import & Export Co., Ltd ., from Yiwu, Zhejiang, China.Your bank is the Intermediary Bank of Beneficiary

But the above remittance was not received by the Beneficiary, as we track with your payment tracker, the remittance is in progress ( copy attached). So please look into this problem and solve it as soon as possible.

Also, we submitted all our company details to Our Intermediary Bank - CITY BANK INTERNATIONAL as per Reference no. CIT230109-010505 . So please look into this problem and solve it as soon as possible.

On December 3, 2022 I lodged through Western Union a deposit of $2225.44 to be paid to Account Number [protected] at CITIUS33 111 Wall St, New York, NY 10043. Western Union claim that they sent it through to Citibank on December 5 (I have proof) and yet Citibank has never deposited it into the recipients account and are claiming that they never received it, The recipients sent me a letter explaining that they had never received it and Citibank claimed they had never received it. I am out of pocket for this money and have had to raise a loan to replace it, As I am in New Zealand and don;t have a citibank account I am unable to communicate with them and have even written to their customer services in Puerto Rico who didn't bother to reply. Western Union are standing by their claim that they sent it and are refusing to refund me the money until Citibank pay it back to them.

This money is to pay for a helicopter to get a motor to my partner who is working on a rig in the Gulf of Mexico and is needed urgently.

Any help that you are able to give me would be very much appreciated as I really need that money.

I sent an IRA application package, via FedEx, to Citibank. It was received Nov 22, 2022 and I heard nothing from them for weeks.

I called their 800-number and the overseas agents knew nothing about my application. Those calls were on Dec 2, Dec 13, and Dec 19.

On Dec 20, 2022, I told a supervisor, Shan, that I have lost all trust and ordered him to withdraw my application and return my application forms. I did the same in two emails, requiring return receipt. I received only one return receipt but no responses to either email.

On Dec 27th, I received a letter, dated Dec 21, 2022, that said I needed to sign a W-9 form. (Note: The date on the letter is exactly one calendar month after my application was received.) It turns out, the instructions on the W-9 say that a signature is not necessary for an IRA application.

To date (Jan 4, 2023), I have not heard or received anything from Citibank.