Citibank
reviews and complaints

Members Don Gadda & Katherine Takasugi
Incident 12/01/17 Member # [protected] Citi Visa (last 4 digits) 7820

My wife and I purchased a new air conditioner approximately one week prior to the incident. My wife called citi and upped our limit for the purchase. Approximately 11/27/17 the transaction was made using our citi Visa card ending in 7820. The amount was paid in full by a direct payment from our bank account ($4016.12 and the payment was confirmed.) All was well. Two days later (friday night) we were shopping at the Boise Costco and our card was rejected. I called citi. They were rude and I believe dishonest. The agent I spoke with told me our payment had been "received" (his words), but that there was a hold on the card for a "suspicious transaction" (again his words). There was only one transaction at issue. It was paid in full. It was not suspicious! They would not accept my word. My wife Katherine Takasugi called them the next morning and was treated in a similar matter. None of this made any sense and we felt we were being accused of fraud for no reason whartsoever. We have been good customers of Costco for many years and we are, to be blunt, offended. We are not going to waste our time trying to contact Citi Visa again regarding this matter. Our cards now work, but we think Costco should be made aware of this treatment we have received. An apology would be welcome. Don Gadda

On November 13, 2017, I spoke with a representative at Citi Bank about a payment plan. I am 2000 past due and cannot afford that due to family obligations, bills, and a lawyer earlier in the year which was all stated in the recorded phone call. I stated REPEATEDLY that I did not have the funds in November to make a payment. He came back and told me we could settle on an agreement of 153 per month for 5 years at zero interest. I agreed, once again stating that I did not have the funds for November and starting December 13, 2017 and the 13th of every month after, I could pay 153 a month. On December 5, 2017 I recieved a letter stating that this agreement was terminated due to no payment when I didn't have a chance to pay because it's not December 13th. Once again, I stated repeatedly I could not pay in November and that was not an issue to him at all. They made NO EFFORT TO CONTACT ME AND SENT MY ACCOUNT TO COLLECTIONS. I call them on December 6, 2017 demanding I speak to the same guy I originally made this deal with or forward me to some type of manager or supervisor to deal with this. The lady on the phone refused to transfer me and lied to me saying she couldn't access my account anymore. I was just on my account that morning so I knew she was lying to me. I go to log on again not even 3 hours later and I've been blocked from my account, and have no access to see anything. The point of this complaint is that they did not follow through with their side of the agreement, when I told them multiple times I could NOT pay in November.

Citi Bank was great until they started Scamming me out my Money. I made a payments on time and still got charge late fees, I finally had enough so I decided to close my account and pay the Full Balance on my account. Two Months Later I get a call saying I owe Fifty Eight Dollars plus late Fee of 25$ and interest. I wouldn't recommend Citi Bank to know one. This by far The worst bank ever and if you have account you better check it three times a day.

Mon, Nov 20, 2017 9:14 am

zaariz ([protected]@aol.com)To:Inquiry Details

Re: Citibank

PO Box 769004

San Antonio, TX [protected]

HELOC Account # [protected]

In December of 2016 Citi "restructured" my HELOC account. Which started with 3 payments of ~ $270. If all on time the loan then will be restructured to reflect this. The payments were made on time and a contract was sent to be signed and booked.

In July2017 the docs were signed and returned for the 3rd time, I heard many excuses why it took 3 times meanwhile foreclosure notices are still being posted on my house and daily phone calls and people knocking on my door offering to buy my house that is being foreclosed on. All this time the payments have been made.

Citibank refused to send me statements (I received the first in Sept 17) that stated I was behind on payments?

Citibank refused to allow be the ability to view and pay my account online.

For months Citibank didn't report my payments to the credit bureaus., to this day hasn't reported the payments from Dec 16, Jan 17 & Feb 17..

I have spent hours on the phone each of the past 3 or 4 months explaining this to be told some investigation will be submitted, that's when I wasn't disconnected while being transferred. Yet each month NOTHING is done.

Yesterday I was again on the phone for over an hour transferred to "someone that can correct this, Ren" who said my payments should be $340?.. I explained im holding a contract that was signed months ago that shows $265 as well as a statement from them with the same. "hold please" is the common reply.

I have spent countless hours on the phone, I shouldn't have to be on hold for an hour while Citi try's to access my account. Last month the person I talked to said Aug payment for some reason was for interest only and wasn't sure why. He would create an investigation to correct this. Again NOTHING was done.

2 Major issues:

1) I sent my bank statement to CitiBack showin ALL PAYMENTS have been made since restructure. They say their reporting is accurate. How can this be when I show them my bank statement that proves the payments were made?

2) I have my phone voice messages filled with daily harassment (Yes this is HARASSMENT) calls on an account I have made all payments on time.

My hours of phone calls for the past 4 months where each time the Customer Service rep cant explain why O owe when I have actually paid extra each monts, Citibank has also charged a $25 late fee on AGAIN payments that were made on time

EXTREMELY FRUSTRATED CitiBank Customer

Dennis Dahlem

282 E. Devon Dr

Gilbert AZ, 85296

[protected]@aol.com

I tried several times to contact your number [protected] to complain about the unauthorized charges made on my visa card [protected] but can not get through.
The unauthorized charges is reflected on your statement dated October 8, 2017.These charges are postdated Sept. 15, 2017 and Sept. 25, 2017, 2017 with total amount of $258.70.
Please make the necessary adjustments and reversal of the total amount charged to me including the bank charges due this anomalous charges.
My other transaction in my credit card is adversely affected by this improper handling of my account.
Attached herewith is a copy of the statement dated Oct.8, 2017.

Hope and pray that this complaint will meet your prompt action.

Thank you very much.
Miguel Sayat

I am being charged monthly, a sum of USD 45.00 on my Citibank Visa card. At this time I am just enquiring which company this is for so I can determine whether this is to continue .
Payments have been made on approximately the 10th of every month
I include a screenshot of the payment in question, below.
Regards
Edmund Rapsevicius
[protected]@optusnet.com.au

I am a long time Customer with this credit card.

I have recently come upon a hardship. I'm getting a divorce. for the past two years I have only been making minimum payments since I now have ALL the family debt assigned to me PLUS an extra 20k that my (now ex) wife accrued AFTER leaving me high and dry. With child support, alimony and all the bills it has been a trying two years. I have lived without cable or Internet as I have had to make very serious cuts.

I called to ask about settling the account, The interest rate alone is killing me. I was told that because I make minimum payments and keep the account current that it cannot be settled ! HOWEVER if the account was delinquent in any way, they would gladly settle.

I'm very confused as I have worked so hard to keep my credit in good standing.

I guess I can see the CORPORATE GREED in this because if I make just minimum payments I will wind up paying a total of 6k more !

I am hoping that I can get this settled. After many years of interest I have definitely paid off the initial balance PLUS !

I called citi in the middle of October because I was having trouble paying my minimum payment each month because I was being buried in interest charges. The lady I talked to said she could get me a better interest rate because I had been a customer for several years but I would have to make my minimum payment first to get below my credit limit and to call back. I made the payment and called back on Oct 30th and the man i talked to said there was nothing he could do, and I asked what my current interest rate was and he said 16.99%. Nov 9th another statement hit and I checked the interest rate and it said 20.99. I called today Nov 10th and asked for a manager. The manager I talked to said there was nothing he could do because I was over my credit limit again and that was the best interest rate he could give me. I asked him if they keep recorded messages from previous phone calls and I asked him to review them. He said he could review them but no matter what was said in the recorded phone convos didn't mean I would get a better interest rate. My first problem is that I was told I could be given a better interest rate after I made a payment. Lie #1. Second problem is the sec phone call I made on OCt 30 when I was told I had the best interest rate available at 16.99%. Lie #2. I have been a citi credit card holder for several years and I have 3 credit cards with them. I do not appreciate being jerked around and lied to. It is unacceptable and is just poor customer service. Not to mention the manager pretty much said it doesn't matter what the reps told me.

Apparently our PIN number was changed and Citibank is unable to tell us why.
I'm taking care of my mother, who is wheelchair bound and in her 80's.

They gave her a strict runaround on a lot of important information. Sending us a new PIN by mail that Citibank wants to choose ( let's hope that works out ), but they still couldn't explain why the card PIN was changed in the first place.

Mind you, if I were in my mom's shoes, and it was a case of forgetting that I changed it, I would still expect to be informed when the change was made and how.

Was it by phone? At what location if in person? What time of day, or the date? Anything.
Although she swears she made no change herself, it still seems like they could have been a lot more helpful.

IDK if it's the area, or what's going on, but it's also very hard to get someone on the phone that speaks clearly. Difficult English or otherwise.
Makes it seem like their help can't function past a script or something.

I was so frustrated at length, and my poor old mom could hardly get any sense out if the effort at all.

Really hoping they make some improvement on their services, but leaving a mystery surrounding a changed PIN number, by not having ANY useful information, is simply irresponsible.

Poor customer service, I don't understand how other banks can help me with my late fee or extra charges. But this Citi bank doesn't know how to do it or may be they know and they don't want to help their customers. No matter since how many months or years you have been banking with them. I think they fraud their responses. Do not what to help customers in any manner. All they know is saying "Unfortunately we cannot help you". No matter what your concern is. It happened to me a lot of times. I would literally not recommend banking with this to anyone.

September 15 I put money in the atm machine. Some of the cash was return the other was accepted but was not registered.
I call customer service many times I was told the matter is being investigated. Isnt this a simple check and balance. Why so long.
Incident took place in fort lauderdale florida. The amount not credited $220.00 case numberr135885770915 need help
Incident address 55n federal highway fort lauderdale 33301

We would like to register complaint against Citi Account [protected]
USD amount 41, 689 was transferred. The account holder hacked email correspondence and he used his email and during the email correspondence he changed the Account number. We have reported to our bank here in Dubai and central Bank UAE as well, but we didnt get any response from beneficiary bank.

Kind regards
Mian Imran Abdullah
CEO Grapholine Trading LLC-Dubai UAE
+[protected], +[protected]
Email: Imran.[protected]@grapho-line.com,
Email. Wassem.[protected]@grapho-line.com

OUTWARD REMITTANCE ADVICE
OUR REFERENCE: [protected]
As per your instructions we advise having remitted funds to the debit of your account XXXXXXX877001 as below:
Charges on Remittance
Cost of Remittance
Amount Remitted
Exchange Rate
Value Date
61.78
153, 332.14
41, 689.00
3.678000
22-08-2017
Bank SWIFT Code
Bank Name and Address
Beneficiary Bank Details
NRTHUS33XXX
TD BANK, N.A., MONT LAREUL, NJ 08054
Beneficiary Name and Address
Beneficiary Account Number [protected]
AL FARID GROUP LIMITED FOR IMP, EXP LLC, *
LOAN PAYMENT
PAYMENT TO MR RIZWAN
Date:
If you have any query or require any clarification, please contact our Call Centre on +[protected]
All remittances are processed subject to the Bank's Terms and Conditions
System generated advice - no signature required.
Remittance Details
Beneficiary Details
Purpose of Payment
AED
AED
USD
Other Bank's Charges
Correspondent Bank Details
Our Paying Bank SWIFT Code
Intermediary Bank SWIFT Code / Name
OUR
CITIUS33XXX
22-08-2017
[protected]
22-Aug-17

A pending charge of 150.00 has been on my account 9/30 for 15 days. The vendor says the charge was cleared from them on 10/01 as it was a deposit only and no charges were required. Talking to Citibank they say it is the problem of the vendor, the vendor says it the problem of citibank. Chat person was NOT helpful and NOT clear with policy as I had to ask her several times to be clear as to what she was saying. She suggested she was going o drop the chat because i had not said anything in awhile! The timer has not even changed since my last entry and i was typing another question at the time she said this! NOT HAPPY There should be NO reason that pending charge should stay on my account if I wanted it to be removed. ALSO, there is no clear path to dispute charges! "Go to account details", well, buddy, where the heck is that page! It sure isn't account activity.

We went to make a deposit to our account and was told by the "manager or assistant manager" that the deposit would take about 8 weeks to clear. We asked 8 days?, she said no, 4 to 8 weeks.
The reason was that the check was drawn on a New Mexico Bank, and the teller added that checks from New York take that long also. We noted that we have deposited checks from this New Mexico bank before and it took 1-2 DAYS and reminded them that there is an institution called the Federal Reserve Bank, which moves funds between financial institutions from same day up to maybe a max of 5 days.
The so called manager (or assistant manager) insisted it would take 4-8 weeks.
We left the bank, deposited the check via Citibank ATM and it posted and cleared in 1 business day.
Citibank should not have a manager or even an assistant manager that does not understand check deposits and how they clear.
We asked her to jot down that she told us the check would clear in 4-8 wks and asked her to give us her name. We have her note, but her handwriting is illegible and we cannot make out her name.
The branch is 414 N Central Avenue, Glendale CA 91203
We were in the branch on 10-7-17 around 11:45 AM if that helps you figure out who this person is (I included the card with her name, hope you can read it).
This person needs classes on how the banking industry works, the check was drawn off a large bank and not a credit union or any kind of IRA account.
This person also need classes on tact and customer service, as she could have handled the entire situation with a little class and not as a dictator with the attitude of 'because I say it's so'.

Marilyn & Paul McAtee

I went into a Citibank on Camden Branch: 3510 Leigh Ave San Jose, CA 95124 and was “helped” by Erin Nelson. I have a credit card with Best Buy and there was an issue, for the last 6 months I have gone to Best Buy and they told me to call Citi Bank or go into a facility. I called and they told me to go to a Citi Bank as I have proof of their mistake. I went into the Citi Bank on Camden and waited. While I waited I saw how Erin Nelson was helping a customer and was extremely nice and helpful to them. When it was my turn, her face was not the same. I started explain what had happened and she interrupted me and told me she couldn’t do anything. So I told her that they asked me to go in and to please advice she said she couldn’t do anything. I asked for a written consent to take to Best Buy to show that I went in and was denied. She said no, so I asked for her name and she started raising her voice at me telling me she couldn’t do anything and would not help me. I again asked for her name multiple times as she kept interrupting me and continued to raise her voice. I saw other customers stare so I told her to please claim down. She told me to go into an office and I asked her if this was the way she treated everyone, she accused me of yelling at her! I told her what just happened and she just looked at me without saying a word as if realizing what happened. I told her she had no right to yell at me and that I was there for help, not to argue or lie, but to seek advice. She got on the phone and did not direct any attention to me. After waiting for another 3 min while she talked on the phone I stood up and grabbed her card as she did not provide her information as I had requested. I don’t know if this is because I am Hispanic, but just her look on her face when it was my turn was nothing compared to previous clients. She had no right to yell at me, specially in front of other people, she provided no help and no information. I hope to hear back from someone as I will not let this go until I hear something back because this is not acceptable. Never again will I step into a citi bank and I’m pretty sure many that saw this will do the same.

I am very disappointed and disgusted with the rudeness of the customer service and Well as the management team when u call the 800 number
I just opened an account with them after 15 years of being with Wells Fargo bc of a fraud situation as well as all their hidden fees
I thought Citibank would be different only to find out they were not at all
When I called to have the fees reversed all I got was rude rude people
I am saddened by how people conduct business and am at a loss bc it’s not like we really have an option with having bank accounts for business and personal
I can just keep all my money in a sock like I used to but would rather not
So do I switch banks again? To which one? That’s the dilemma
Help

I submitted payment for my credit card on September 28, 201 for $1, 200 The amount left my account was posted to my Citibank account but not posted to available funds. After speaking with customer service and the credit department the told me that they were still awaiting confirmation of payment from my bank. This did ridiculous because the amount left my bank account and was deemed paid by Citibank. The final response was that I had to contact my bank to release a statement to Citibank or wait until October 10 th to have access to my funds.

Bankers with the bank manager at the Bronx NY branch. Refused to serve me apparently they didn’t like religious leaders. I was told citi bank don’t open accounts for church who gross was under 25, 000 annual. My organization is not required to file but even attempting to show them the IRS website they showed hostility. They didn’t know religious corporation law and made wrong judgement on bad information. I tried to correct but was met with hostility. I asked for a list of prerequisites to see if I could line up with the standards but was refused.

I faxed my Social security number, non driver state ID, signature page and my husband driver ID to support my living address in USA on 2nd October.

I'm disappointed with your Citibank open account options as your staff told me that I must have utility bill to support my living address and my husband driver ID doesn't help in this.

I chose Citibank as it because I have $8000 USD in a Singapore citibank account and I'm trying to transfer to a new US Citibank account. I'm a new permanent resident in USA so I don't have any utility bills. my phone bill is under my husband name too.

Please contact or email me if you have any question or additional information.

Thanks

phoychin tan
+[protected]

I have been locked out of my Citibank account for over 60 days now, and Citibank. I have had two conversations with them, sent two emails to their security team, and have complained in writing, but they have totally ignored all forms of communication.

I have now filed a complaint with the Financial Ombudsman, I just hope I can gain access to my funds before this bank goes out of business.