Citibank
reviews and complaints

Citibank is misinforming the customer about credit card (credit) applications. Before submitting my credit card application, I ask the new account application support center representative (overseas) the following. Citi has the following rules: Citi 1/8 rule (No Citi application in the past eight (8) days? Citi 2/65 Rule: No Citi Application in the last 65 days? Citi 6 Inquires Rule. The representative has no idea about my questions (knowledge is 000). Transfer me to another department. Again, the representatives have no idea what I am talking about. Transfer me to another representative. The third representative told me Citi had not had the above rules. So, I got confident applying for a credit card based on my high income, and my credit score at that moment was 810. The application was denied immediately because I had more than six inquiries. Because the conversation was recorded, I am considering a lawsuit against Citi.

I opened my account on 10/25. Was successfully able to deposit a paycheck by mobile app on 10/28 and receive funds via Zelle to my account also on 10/28. When I tried to send funds to my daughter (within the daily limits and funds were available) the app said I did not have permission. I called Citibank and was told I need to receive an activate my debit card. I received my card today 10/29 and activated it. The app still said I was blocked from all activities - except depositing more money or receiving zelle funds (convenient that it's all good on to receive money). The customer service agent assured me I was fine to use my debit card at any atm, store, gas station etc. I took my card to the atm nearest me and the atm took in my card and wouldn't give it back - the bank I used was Amegy Bank and the tellers said that happens if there's a security alert on the account but they can't get me the card until the atm servicer comes on 11/2. I then tried to send money to my daughter via Zelle since I was assured that was unlocked also - the account said I was not allowed. I have now spent almost 3 hours on various calls with Citibank to get this resolved. They've now blocked my account access completely - I am not able to log in to the app or website to see my balance, access MY money, or do any account activities. Every person I talk to is unable to help and ultimately either hangs up or I get disconnected. I had asked to speak with supervisors and was refused that route and hung up on. Ultimately I would like access to my funds that are available and to be able to send them via Zelle to my daughter so that my family can get groceries, gas, and live as every penny I have to my name is in that account and we have no food, need diapers, and I am out of gas as I was anticipating using my money in my account today for these things. I NEED access to this money ASAP.

Something unusual happened with the dispute team which was surprising as my experience with Citibank and customer service that has always been positive. I have had a personal, business account and a mortgage for many years.

I was scammed on December 26th for three Amazon $100 gift cards. Amazon assessed that it was coming from a bogus email and canceled two cards but one went through and I was charged $100. The card arrived by mail and was disabled. Amazon returned my $100 on Jan. 19th On April 14th Citibank took back the $100 stating Amazon did not send enough information to resolve the dispute.

Actually they just sent a copy of the transaction. I contacted the dispute team and received a form letter asking for more information and evidence. This was sent back to them three times with copies of all evidence. All I received was the same form letter repeatedly and in one mailing it came four times!

It seems obvious that nobody reads the explanation or looks at the evidence included with the form. There is no phone number or name of a person to contact.

I've now spent $35 in mailings with return receipts requested. I don't care about a refund anymore of $65 at this point

I would appreciate a response from you regarding this inadequate response to my issue as a valued customer of many, many years.

I’ve had a credit card with Citibank for probably 20 years. I pay my monthly balance on auto pay for over 10 years. Over the last month I had to change my payment source bank account number and it did cause one payment to be returned to Citibank. Within five days I made a payment on a different bank account number for not only that returned amount but also enough to pay the charges that had accrued over that five day span. Twice I’ve talked to city bank representatives and both times climbed the ladder to talk to their supervisors explaining my account status referencing specific amounts down to the penny. Both times it ended in frustration as they seemed unwilling to grasp my very explicit numbers! I will stop doing business with Citi if this is not resolved fairly.

I have applied for a House Building Loan at PNB, Pailan. After verification the Branch Manager PNB Pailan informed me that due to CIBIL score 583 and an outstanding total written off amount is Rs. 49148 out of which Rs. 32741 was principal written off amount. For this reason the said HBL may not be sanctioned. However, I would like to inform you that I have not taken any loan anytime till date and not even applied for it at any bank branch. I have no credit card and never even used it before.

But from the CIBIL Score site i want to know that a CITI Bank Credit Card opened / Disbursed on 15/01/2010 vide Account no [protected] & the said credit card closed on 9/9/2010 using my PAN "ACFPH1114H". It is also known that last 36 month as on Octoer 2022 the average monthly payment was Rs. 188.00

Therefore, it is my humble request to you that please release my PAN from the said account for increasing my CIBIL score to get loan & take action against the fake benificiary who used the said credit card using my PAN as per law .

You are also requested to inform me the said credit card no.

Your co operation is highly solicited.

Thanking you

My contact no : [protected]

I visited Iceland for 6 days. I rented a car from Budget Car Rentals there. The quote by Expedia was $452 for 6 days, while returning the car 1 hour before the rent expired, I was charged $637 after I left Iceland. No explanation for the overcharge. I opened the dispute # D-[protected] showing the difference between the quote and actual charge (the Budget even did not provide me with the receipt, despite my demand, their rep just told me "everything is fine, do not worry" but did not give me the receipt.

The Citi Card did not show me any proof or reply from the cheating vendor, just took my money. This is not the first time the Citi acts like this. Shame on you.

I have had this account for years and been very happy. I now have a miles ahead savings account. It seemed it was on the same line account when I opened it. All of a sudden it is locked. I have spent several hours calling and being transferred to every single help agent available - some could not even speak English or be understood. I am at the point of never wanting to deal with citibank again! There is no way to talk to someone! My account is locked and the agents I talk to tell me from what they can see it is OK! My advantage account is the one that is locked.

Oct. 10, 2023

At end of Feb. 2022 my Citi card was charged 9 times instead of the approved 1 charge of $20. This resulted in a charge of $180. Unable to reach the company, I reached out to Citi to reverse the charges. After trying to dispute the charges through the site, the site glitched while I was in the process and I couldn't dispute all the charges. I called and was told Citi would handle it. Then, I was told a new card was being issues and my card was being disabled. I saw temporary credits appear on my account. About a week later, I found the company was requesting funds from me. I followed up with them and they told me the chargeback went through twice and I now owed them over a $100 since my account was empty. I reached out to Citi and they said they only reversed the funds once. The company proceeded to send me a statement every month, showing I owed them about $134. From March-June, I followed up with Citi and the company and got no where. Citi told me that the dispute was pending and I had to wait for it to complete. The company told me no funds were returned to them. Finally, Citi told me that both a billing and fraud dispute were opened and I therefore had to speak to both departments and they don't communicate with each other. Each department has a different number and contact hours. The fraud team was almost impossible to reach but every time I was transferred to the Billing department, I was told I needed to speak to Fraud. Every time I was transferred to Fraud, I was told I needed to speak to billing. Every time I called, I was transferred at least twice and each time I had to explain the whole thing again. Citi acted like they had no record or history of my concern or any previous calls. This led to mass frustration and headaches. I tried to get the company to reach out to Citi to explain the issue and they would not, stating it wasn't their responsibility to do so and they don't interact with 3rd parties. Finally, the company stated they would clear the balance on my account if Citi would provide a letter on company letter head stating exactly what I was refunded from the dispute. Surprisingly, Citi stated through chat they would do this (end of June, early July), but there was only the option to mail the letter. They told me I should get it within 4-7 business days. I waited two weeks before telling them I didn't get it. They insisted they sent it and would not resend it without me calling and speaking to a supervisor. I told them I didn't want my time wasted again and there probably never was a letter. They insisted there was and this could be cleared right up and the letter resent if I just called. I wasn't up for another phone call at that time. Oct. 2022, I finally worked up my nerve to call and get through into the thorns of Citi's terrible customer service once again. I called the number I was given. I was transferred to Billing department. There, I was told I didn't properly respond to the dispute and therefore, dispute was closed out. I then realized they were talking about the duplicate dispute (which I was never asked to respond to) and was told that to discuss the other dispute that I would...wait for it...have to be transferred to the fraud department. I was told she would explain what I needed so I didn't have to explain it again. After a long hold, all fraud had been told was that I wanted to follow up on my case. I stated no, I needed the letter resent. I was then told that since my card was closed, they couldn't access that information and that it had been archived. They would need to request to reopen it which would take 24-48 hours. I said I understood and that they could send my letter after they had access to this information. She stated, no, I would have to call AGAIN to request this. I then explained in detail how torturous it is to call them and I really really really didn't want to do it, yet again. She said there was nothing more she could do. I told her I wanted a way to send secure messages to them. I wanted them to actually call me back when they said they would. I wanted them to review my calls and understand how horrible their service was. And after all of this, I have to call again and go through this all again. This is ridiculous that this simple task, and noted error on Citi's side (duplicate disputes) has ended in me trying to correct this, by myself for most of the year. If you ever need to call them, good luck.

I sent someone come cash last year from AliPay, but unknown to me that the account had been deactivated (closed) before I sent the cash, The bank had been saying that they would send a check to the person but they didn’t for over a year.

This never happened

We need Citi to reverse the funds back to my AliPay account, since they did not release the cash to the person I sent it to, due to their account being closed. The purpose of sending the money could not be fulfilled because the money was not correctly

The amount is 7,500.00

Citi did not reverse the funds or send the funds back to the person, whose account had been closed.

Since this money is “floating” around at Citi, since _____ we need that money to be returned to the Alipay account that the funds came from

Account holder name- Sandy E Mathis

Account number - [protected]

Routine number - [protected]

Sender Bantijo from Alipay

Over 90% of my charges on my Citi card are for Costco charges. I have had unauthorized charges three times this year (2022) on it. Each time I change my password and they take about a week to send me a new one. So I can’t shop Costco in the mean time. I have two AMX, a Chase VISA and Mastercard and not one time has someone tried to charge on those cards. Everything gets charged on my AMX card unless the merchant doesn’t accept AMX and yet my hacking is on the Citi card. What is Citi Group doing to cause this?

In March 2022 I received a promotion when I went online to pay my American Airlines AAdvantage credit card. They were offering up to 40,000 miles for opening a new account and depositing up to $40,000. I opened the account on March 23rd and deposited $100 and made a deposit for $40,000 on March 31st. I have contacted 8 different people and have been promised the miles would be awarded by September 17th. I just finished talking to a supervisor who claimed that there was no promotion for that time.

I changed to the custom card from the Double cash card a long time ago. upon checking twice they said the mailed it 9/28/2022. According to the agent they said the original card sent earier was returned and I shoud receive the new one before Oct. I just checked and was told they mailed the card 9/28/2022 this is rediculous. I shouln't have to chase a card it should have been sent overnight. Now there telling me I should receive it by Friday 10/7/2022 maybe. The Citi Bank customer service is the worst.If I don't receive the card before friday i may cancel the account.

your company called my 86 yr old mother inquiring about what she believed was an old balance owed to her from somewhere that was never tols to her, having been almost scammed before she refused to give her bank account info for a direct deposit, instead somehow it got credited to her bank of america card wich had a zero balance. having a zero balance bank of america issued a check to her for $4100 wich i still have in my posesion. on 9/28/22 my mother recieved a ballance due statement on this $4100 cash advance on a card issued to her from you that she never recived. now she owes according to you guys right at 4300 again i still have the check ,issued to her from bankl of america that you deposited into that account to make it impossible for her to return to you.i feel this is about as close to fraudulant as can be.

I tried to call the bank numerous times and everybody saying the same thing ,” once the bank decides to close the account then we cannot access anything on the account.” My rent and bills are due and I’ve told them that this is an emergency because I don’t want to end up homeless because somebody hacked my account and now my direct deposit money is stuck in my savings account, please help !

My husband passed. Citicard told me I was a joint owner and to ask for a joint takeover (3 different agents told me this) to get the card in my name only. I followed their direction exactly only to find they canceled the account. I was told it was impossible to re-open the account. I was also told I was not responsible for the balance.

I fully intended to pay the balance due but asked that I be afforded the Dividend Dollars - I was told no, they would not pay the dividends. I have not yet paid the balance but intend to pay in full and deduct the Dividend Dollars. I feel this is a fair and reasonable solution I/we have had this account since 1990 and have never been late, paid interest or had any other problems. I accrued the debt and expected to pay, however, the debt earned the dividends - they belong to me.

Since the account is permanently closed how can I pay and be sure it is applied to the proper (closed) account?

Today looked at my checking and savings account and they said blocked. I had no notification and chatted their system online (I attached the screenshot that they said it was a purchase attempt) told them I didn’t get notification. I called the customer service line and they put me on hold, came back told me my account was closed couldn’t give me any other information and said they were disconnecting. Then I called back and then the person took my information never came back to the phone. Then called a 3rd time and was told that they closed my account and I would receive a letter in the mail with more detail and would receive a check 30-60 days out. They said they could only give me that information. I asked to speak with a supervisor and they told me that they would say the same. They told me if I went to a branch they would say the same.

How would you feel if you had hundreds of thousands in an account and no one would tell me anything about my funds and I would receive a check in the mail in 30-60 days. I’m just supposed to sit here and “hope and wonder” when I get a large amount of my money?

This is a crazy hopeless feeling that your life savings is just in limbo and you have no information.

I had received numerous communications regarding my "pre-approval" for an installment loan up to $27,000. I did not need that much but I was curious about how much I might be allowed and submitted an application for $25,000. I expected that I might be rejected at that amount but was still interested in a loan even at a lower amount.

You ran my credit (which I think in one communication you indicated that you would not do). I received an email and also a notice through my Credit Card Account that I was rejected and that I would receive correspondence through the mail which would provide more information. The correspondence, when received, did not provide information about the decision, but only some data about me and some generic statements.

I called customer service and was told that a decision was made on the basis of loan amount to earnings, A criterion I certainly understand, BUT no real info was provided. Was there an amount that could be loaned to me based upon that criterion? Were there other factors? My credit score is in the high good to low excellent range.

So now I have a hit to my credit for the hard inquiry and no information from Citi for the rejection, and no information regarding a smaller loan amount.

I believe this is not only poor customer service but perhaps false advertising as well regarding the loan possibility and process. What happened was not what was advertised. Rejection is always a possible outcome, but rejection without further explanation is poor business practice. Do i conclude that Citi would not lend me even one dollar based upon a criterion that I have no visibility to?

My loan application number was [protected].

I just got off the phone with Citibank regarding my credit cards (ending with and was told that my account was closed because I was marked DECEASED. I know that it is mandatory that credit cards cannot be closed without a death certificate — which I have no idea how that happened. I AM NOT DEAD. I was told that it will take over 30+ days to reactivate my account. What am I going to do until then. I pay my bills, groceries and utilities with this card.

And the Customer Support Technician indicated no empathy, seems condescending and intolerant. Horrible customer service.

On February 4, 2022, i deposited $51,000 into a checking account and was guaranteed a $700 promotion (4KNMCNNNY4). I left the money in the required time but never received the promotion. I have launched 3 different investigations into why I haven't received it. The first investigation concluded that I needed to file a W-9 for certification, which I did and mailed to Citigroup Technology Inc. P.o. box 6201, Sioux Falls, SD 57117 per the instructions. I still did not receive the promotion and have since launched two more investigations. All customer service agents inform me that the W-9 was received by them on August 29. My account number is [protected] for this checking account. Please follow up and advise what to do. I've called Customer Service 3 times with no satisfaction. I keep receiving the same letter to return a W-9 which was done.

I have been trying to pay my TSC bill for over two months. I moved and have given them my new mailing address two times but I have stopped receiving bills from them. I have been writing my account number, address, and payment amount on sheets of paper along with my payments but it is very clear that human beings do not process the payments because my checks are not posting! Clearly, the bills go to an automated system where computers do the accounting. My credit score has dropped because of this. Even though I do not like to use phone banking (because of the potential for fraud) I did so this morning to settle this account once and for all. The computer system gave me the amount owed and I paid it. Afterwards, I stayed on the phone to get my balance (as I wanted to make sure that it was paid in full). The computer system stated that there was over a thousand dollars owed. I used the phone prompts again to pay it off but it would not allow two payments in one day! I stayed on the phone for a customer rep. She told me that she could cancel the first payment and then allow me to pay it in full. I had to give her my payment info again and she said that since it was a debit card, she couldn't cancel it. She then told me that if I gave my checking account (which I do not like to do) then she could make the payment. I really wanted to have this done once and for all so that I can cancel the account afterwards, so I gave her the checking account and then she told me that she couldn't complete the transaction and that she would transfer me to the collections dept. She said to wait and I heard a click and I was taken back to the main menu! I will never ever use this card again in my life! This is absolutely unacceptable. Why am I being penalized with a decreasing credit score because Citibank doesn't have the resources to take my payment. Tactics like these are forcing me to be a cash only customer (because this is not the first time that I have been down this road)! My time is valuable as well. When I have to spend countless hours on the phone and while writing letters to this company, I should be reimbursed for my lost time and effort. I am done with this credit card issuer and also with Tractor Supply for using them in the first place. What a nightmare.