Citibank
reviews and complaints

Citibank has unlawfully kept $9,593.04 of my money. The most recent attempt to resolve this matter was thru phone with Citibank's Executive Office on December 28. They confirmed my checking account had been closed on 12/05/22 and the balance was $0 at the time of closing. Citibank has been unable to provide an explanation as to the destination of the money or whether this amount is ever going to be repaid to me.

I opened a checking account with Citibank on 10/25/22. The available balance on this account as of 11/03/22 was $9,593.04. Upon accessing my account online, their system notified me that my account had been blocked. I reached out to Citibank more than 30 times and spoken to more than 25 employees in their customer service and fraud departments, and executive office, visited their retail branch, spoken to one of their bankers and the manager at their branch.

Complaints have been filed with CFPB, OCC, AG of California, and a law suit will be filed by 12/30. ABC7 News interested in the story.

Almost 5 weeks ago I went to Citibank in San Rafael, CA and spoke to a teller to let him know that I was closing my account with them. He closed my savings account after moving the balance into my checking, which was a substantial amount and which I then deposited later that day into a new financial institution. The teller also asked me to come into the bank again in person once the check had cleared in order to officially close my checking account. Several days later I could see online that my money had appeared in my new financial institution. It had also cleared in my Citibank account. I went back into Citibank and the same teller agreed that he could now close my account. Then three days later I received a letter from my new financial institution saying that Citi had blocked my account and that they would need to charge me a $22 fee for a check that had not cleared. I was horrified. When I went back into Citi, they said there was nothing they could do, and that it would be 30 to 60 days before I might receive a check in the mail. I haven't heard a thing. I am a 70-year-old single woman, who can ill afford to not have access to my money. This has honestly been the worse banking experience I have ever had. Please stay away from this bank. They are fine with you as a customer as long as money is being deposited into their bank, but as soon as you want to leave and take your money out, they become like the Gestapo. My new financial institution waived the $22 fee when they heard what Citi had done. Have they seen this kind of behavior before?

Citi Customer approaching you immediately after being aware that the payments were made to Spam accounts my ask from my bank was to work with the benefiary bank to reverse those transactions which were kept on freeze by the police authorities and the same was utterly delayed from the bank side who took a lot of time to take an action.

I am clear on the transactions made by me and this I have been explaining in details from the first call I made. As you have quoted below both Bank and me was already aware of mentioned (request you to go through my call records for these 2 months) already but the ask here is to get back the money paid to other bank which Citi bank has not even tried in these 2 months of complaints. Even after I personally myself have investigated and provided all the details and documents required for you to work from your end, included the payee beneficiary bank account details.

The payee banks are Axis and yes bank who confirmed the request must first come from the beneficiary – Citi bank for them to start their investigation of work and being a Citi bank customer you have not even taken a step to approach them so far in these 2 months.

Until las t week I was advised that amount will be credited back to my account and the recovery will be done either from beneficiary bank or the payee bank also explaining how much % of value Citi will be covering and which % will be covered by other banks back to me.

Request you to also go through the emails sent by Cyber crime department who also visited the branch personally instead of naming them as they have not sent anything from their side.

I have enough documents showing both Citi bank and Cyber Crime Dept agreeing that the transactions are fraudulent.

Citi bank India not at all working and as citi will be moving out of india least bothered..

It is wholly as a customer from all those years being with Citi the trust is kept so that you value a citi customer more than the other bank who is charged with fraud apart from explaining the procedures how a IMPS and UPI transactions works. Would like to inform you this was not mere Negligence but a transaction which was realized as fraud/Scam where as this happened only once in all these 9 years. really disappointed to be an citi bank holder.

Dear Sir,

I have a Citibank Credit Card No. [protected]. I have been using the card for Foreign transactions in US Dollars with a USA based organization AWAI. In November 2022 an amount of $500 was charged on my card from AWAI. I enquired from AWAI if they had sent this charge, as I could not remember having made that transaction with AWAI. They replied that they did not send this charge on my card. I had paid the minimum amount of Rs.2166.00 to the card account which was acknowledged as received by Citibank on 01.12.22

I request your kind intervention in investigating if AWAI had actually made this charge or it was sent fraudulently by someone in the name of AWAI.

Thanking you.

email: subroto.[protected]@gmail.com

I have had this secured card for almost 4 years and was told that I was able to upgrade after 18 months I have never missed a payment always paid more than the minimum and my credit score has went up roughly 150 points since I have gotten the card and they will not give me a reason as to why I cannot be upgraded to unsecured. I would like to know why I can not be upgraded to unsecured

I setup an online Savings account with Citi. I made a deposit using Citi's Mobile app. Citi deposited my money, then closed my account stating that I violated their policy manual. I called over twenty times and every time I got a different answer and they transfer me around to a different department where I have to repeat to the new person the same information.

It has been over 4 month and they have not sent me my money back or credited the money back to the bank account where it was withdrawn from.

I have yet to find a perron at citi to resolve my issue as they do not have a place to file a complaint on their website.

When I applied for this Best Buy card I had no clue it would cause me so much anguish, depression, and anxiety. I'm gonna start with my most recent experience that has almost caused me a mental break-down trying to communicate with their overseas customer service, I swear they are the upmost unqualified when it comes to Customer Service. I use my Best But Visa along with my other credit card responsibly by paying off the balance each month in full to avoid their high interest rates and to increase my credit score. My November, I had a 12 months interest free promotion balance of $259.78 along with other purchases total 977.78. I paid exactly 977.78. My recent December statement, I have another 12 months interest free promotion for $319.32 (Black Friday) along with other purchases totaling $787.77 plus, Citi Bank added the $259.78 12 months promotion back onto this statement. I also have a pending payment for $325.45. (a payment for someone else purchase). The remaining balance should be $473.32.

The promotion item for $319.32 is being returned and a purchase for $154.00 is also being returned. I called their customer service about the $259.78 being added back onto my account and the guy, instead of listening to me rants on about I have 3 promotions, I know this and they have all been paid off, including the $259.78 with the November statement of $977.78, I even received an email congratulating me for paying it off. To make a long depressing story simple and short and to show Citi Bank is trying to steal $259.78 from me; my current statement balance is 787.77-325.45 (pending payment) = $473.32. The remaining balance is $473.32-319.32 (Promo Returned) = $154.00 (Pending Return)=$0.00. Now! If I have not paid off the $259.78 promo balance, as their customer service proclaims, why after my payment/returns of $325.45+$319.32+$154.00=798.77. After this payment post and my returns are completed, I'm shredding this card into itty bitty pieces and apply for another Bank card other than Citi Bank and buy my electronics direct and skip the third party, Best Buy. I need a STRESS FREE

CARDIT CARD.

I applied online for a Citibank Mastercard. I have perfect credit (850), earn a high income, have 3% revolving credit and I was denied. The explanation was that I had too many checks on my credit score. This is completely untrue as on the day I applied I had one check - from the company for whom I needed the new credit card. I have tried to contact someone to explain the real reason I was denied and have received no assistance from agents who speak poor English and just try to push me to yet another recorded robot call. The robot lines require me to enter a credit card number to speak to someone which ofcourse I cannot do.

You have no interest in working with me. Your telephone lines are specifically designed NOT to speak to people and I find it really poor. I have a Discover credit card - the people on their help lines are based out of the USA and speak English. They are helpful and always explain things well. I believe the real reason I was denied is that you wont make any money out of me because I pay all my cards off when due.

I opened a Citibank checking account by mistake, did not fund it, and asked that it be closed. It is, in fact, marked closed. However I continue to receive emails re the account as if was still open, a debit card (which I did not request) is being sent to me. and your website is unresponsive. I have, by telephone, disputed an item on my AT&T Universal Card ending in 6036 (in reality a Citibank card) and have requested that the card be cancelled.

The disputed item on the credit card appears to be a book from Amazon, but when I checked my Amazon account, no such item appears, and I did not order a book from Amazon or anyone else.

Recieved a letter pertaining my account with citibank for 33 years , and checking account 40 years , 6 accounts including investment , acct no 2129 was offered to me , i did not request for change of cards rep, advise me if you spend 3000. For 3 to 6 months i will get 20,000 miles , i made a complain and the supervisior gave me 1000, miles advising me thats all she can do , called again honestly your call center is the center i ever dell with , just for your info i did not ask to change the previous card , it was offered to me , ihope this will be comprise, to settle 19,000 miles on account ending 2129, thanking you , michael sehwani

I had an online savings account with Citibank. I attempted to wire transfer funds to the account and the transfer was denied. After dealing with eleven customer support reps and spending 6.5 hours on the phone, my $117,000.00 is being held hostage. I can't wire funds to or from the account and have been prevented from adding another outside financial institution to do so.

Customer Service (I use that term lightly) was of no help and my only option is to have them send me a check to close the account which will take fifteen business days of which I am losing interest.

I regret very much to make this complaint about the service provided by staff of your outsourced staff in philippines.

First of all the phone connection is absolutely chaotic and its so difficult to understand them.

I have a case pending reference of Missing payments R-[protected] of November 18th. This payment was sent to my credit card instead of Loan payment by another bank.

I spent so many days talking to sometimes three to four people in Philippines to no avail. I find them incompetent and unable to understand the issue and attend in a satisfactory manner.

Finally after the last call after waiting 25 minutes on hold i wanted them to transfer me to a supervisor. The call was transferred to India and was handled by an associate called Jay and I was able to explain my problem to him. Within minutes he understood the entire situation and gave me the solution by refunding the amount in question from my credit card. It took only 10 minutes to solve the whole issue.

By employing people from these countries CITI will tarnish the image as the customers are inconvenienced and given a very bad impression about the organization.

Thank you

I recently opened a new savings account with Citi. Boy was that a mistake. I initiated my first deposit to the savings account on 11/12/22 for $147.00. I checked my savings account on Citi's website and it says the transaction is "in progress." Here it is 11/22/22 and the transaction still says it is "in progress." The $147.00 was withdrawn from my external checking account on 11/14/22. So, I called Citi tonight and asked why the $147.00 hasn't been posted to my Citi savings account yet. They told me to call my external bank because they weren't showing any information on their end that the money was sent to them. That didn't make sense to me to call my external bank since the money was already withdrawn from there, but I did it anyway. They confirmed that the money was sent to Citi on 11/14/22, it cleared and was never returned. I called Citi's customer service back with that information. They repeatedly kept telling me to call the external bank back and verify that they sent the money. I refused to call the external bank back and asked to speak to a supervisor. The supervisor didn't do much but transfer me to someone else. And then that person was no help either. He told me that he couldn't find any record of my $147.00 transaction. That they would further investigate this issue and for me to call back at a better time between 8am and 6pm. A frustrating ordeal for just opening a savings account. I did a $5,050.00 deposit from another external account that went through after the $147.00 deposit. But Citi can't find the $147.00. Makes no sense to me. I'll keep calling until they find out where my money is. And then I think I'm going to transfer my money out of Citi's accounts and close them. Too many issues for one simple online transaction that I made on their website.

It's my account after I asked them if I couldn't catch a 3rd party check that was owed to me due to alone they said I couldn't next thing you know that close my account says something about fashion lamp and saying that it would take 30 to 60 days to receive my check that is b******* What do I do I need my money now if not I'm fixing to be homeless need my money

I applied for a Citibank credit card today, so that I could have access to a concert presale that is only available to Citibank credit card holders. I explained to the rep that I needed access to my account today and she told me that she would be able to provide me with the new account information over the phone as soon as I was approved. I wanted to make sure, so she confirmed this several more times before we proceeded. She even switched me to a card that would give me instant access to my account upon aproval. I applied over the phone with her and was approved. She then tried to quickly end the call. I asked her for my account information and she stated that she couldn't give me that information and I would have to wait 7-10 days for my card to come in the mail. She then said that if I had applied online, I would have been able to access that information, but since I did it by phone, she couldn't help me. I asked her why she confirmed with me no less than 3 times before I applied that she would be able to give me the account information over the phone as soon as I was approved and she had no answer. I then spoke to a supervisor who told me that there was nothing she could do, but she would be sure to reprimand the person who took my application. I stated that none of that helps me in my situation, but she said that there was nothing she could do for me. All of the bank's customer service is located in the Phillipines and they clearly cannot understand English. They were unable to do anything to help me. When I stated that I wanted to cancel the card, they told me that I would have to wait the 7-10 days for the card to come in the mail in order to cancel.

Citi just changed their website for online banking. It went from an elegant, simple and useful layout to a barrage of endless, incessant marking and all the data is squeezed into little boxes.

A user has a harder time isolating the info they want. Each page change requires many clicks to remove marketing on products, pay pal, mortgages, etc.

Worse, they permanently put the account overview on the left 1/3 of the page (it used to be a drop down box from the banner). You cannot remove it or reduce it. Even when you select an account, you still have only 2/3 of the screen for the data.

Who does this. It looks like they are forcing a smart phone layout onto those of us using laptops and desktops.

It is so annoying and frustrating, I am seriously thinking of changing banks.

The interest rate at 2.09% on my saving of $32,451.19 paid $60.64 on my Sept. to Oct. 2022 Statement. On November 1st, I was advised via e-mail that the interest rate would go to 2.65%. My online statement reflects on Nov.7th 2022, the interest paid amount was lower than the previous month ($57.16 interest on $32, 511.83) How can that be? Something is terribly wrong. I would like the correct amount of interest credited to my account at the 2.65% interest rate, which has now experienced another increase to 3.10%. Too many mistakes CitiBank. Fix this, please. I am spending far too much time on corrections on my Citi Account. Thank You.

Citibank locked me out of my account after 6 months of using it as my primary savings account. I had opened the account and transferred my savings and was able to access my account with no problem on my citibank app. Then one day, it said I need to activate my debit card to log in. I had never received a debit card and suddenly I had no way to verify that I was the account holder. The customer service was horrible. Since this bank has no local branches in Texas. I was forced with the option to visit a branck in Las Vegas, to prove my identity. They would not accept any other forms of verification. I only had email with transfers receipts but not the full account number. My name and ss number, home address was not sufficient for them to verify me over the phone. This resulted in days of stress and struggle figuring out how I was going to get access to my savings. So a note to any one who gets a electronic savings account and opts out of paper mail. You might be sorry. I was eventually able to get a hold of a teller at an actual branch in Las Vegas and then were able to overnight me a debit card.

I thought this was an unfortunate glitch in their system that they do not automatically mail a savings account holder a credit card. However, today I heard from my mom, who also has a citi bank account that the same thing happened to her! So it was not a glitch and a systemic failure that they do not send you a debit card when you open a savings account and then around the 6 months, the online account asks you to activate a debit card which you don't have. Save yourself the headache and use a different bank. Their customer service is horrible and you will find yourself no one to help you through this crisis.

We tried to get a loan from citi bank with loan agent Michelle Bui (NMLS ID: 332553) and it took us 14 days longer than the closing date to close the loan and we had to spend 2100 dollars extra as our late penalty.

During this whole loan closing process, Michelle failed to let us know what documents are needed in advance: we submitted the bank statement from an overseas account in the email on 09/02/2022, she didn't mention anything to us about the fact that it wasn't in English, until 09/08/2022 she suddenly said that it needs to be translated and the translation wasn't completed until 09/13/2022 which is the main reason that we are way behind our schedule of closing the loan.

During this whole time, we've trying our best to work with Michelle on preparing the documents that are needed to close the loan, we were able to send the documents within one day upon receiving the requests (indicated in our email chain). Yet, when the delay happened, citi bank is trying to blame us for not giving them the documents on time. How can we, as the customers know what kind of documents that we need to prepare since this is our first time getting the loan?! Also, at the beginning, my husband called Michelle to explain the details about how we got the gift money from overseas and why it might be complicated to document. Instead of guiding us to how to prepare more documents to make things clear for the underwriter, Michelle told us “Not to mention too much before the underwriter ask for it”. We trusted her during that time and didn’t prepare anything extra as she suggested and thus resulted in the insufficient materials that we prepared for the first round of review and a further delay in the loan.

During the whole process, there are multiple times that Michelle asked us to prepare the same documents. The reason about that is “her assistant is on vacation, and she used to review your documents” so when Michelle took over the work from her assistant, she took extra time to review everything again. Because of her lack of familiarity on our loan documents and status, we had to spend extra time going through everything with her again which results in misjudgment of our loan status and the documents we need to prepare for the loan.

The reason we got the late punishment from the seller is that during the phone conversations that the listing agent had with Michelle, her unprofessional behavior and ambiguous words has resulted in the seller and the listing agent losing their trusts in us. They were furious and shocked about us choosing such an unprofessional loan agent who’s incapable of her job to work on our loan. Because of that, in our text messages and phone calls, the listing agent mentioned more than once that he has completely lost his trust in citi bank, and he made us to agree to working with another loan agent at a different bank that he trust at the same time to make sure that someone reliable is working on our case. He mentioned that because he doesn’t believe Michelle has the responsibility to close this case, he would give us late fee addendum for not moving to another bank sooner to close the case.

Based on those, we think Michelle should be responsible for the delay in closing because of her inexperience in judging what documents are needed for the gift money, her failure in communicating with Cindy during their work pass down as well as her unprofessional communication with Sanjiv the listing agent on our the details about the loan status.

I had opened a checking account back in the 80’s. Apparently a Citibank employee entered my husbands name twice at some point. We received a letter for my husband to go to a branch office to clear the situation, he went in 4 different times. When we were out of town, Citibank locked our account because of the duplicate entry of my husbands name. They told us to go to our branch and told us we had to close our account and open a new one, which I did. I was then informed that I had to keep a balance of $1,500 here on out. My question to you is why do I have to be inconvenienced due to an error Citibank made?