Citibank
Reviews and Complaints

My case-I opened an online checking account at citi bank on 2nd july .After few days on 12th july when I already deposited money on it I received a mail that my account is closed and i have to reach out to fraud department. On july 13th After reaching fraud dept at this number they said my account is closed with no clear reason. Upon asking when I can get my money back 7000$ which I deposited, they were just asking for more id docs. After uploading the docs called again on 21st july and got same response. Again called on 23rd july they did the same 30+ min process but after showing lot of frustration they told me that I will receive my money within 15 days. After calling again on 12th aug they said my check has resent on 1st aug and will receive by 15th Aug. I have still not received any money which I need for medical urgency. Would never suggest anyone to put their hard earned money with this bank

Calls took place on 08/23/2021 between 6 pm - 8 pm EST. If I could give 0 stars, I would. I changed my phone number and was going to all of my accounts (Citibank and others) to update my information. I tried to update my phone number online, but the system wanted to send a verification code to my previous phone number. I called customer service but the CSA kept saying that my new phone number was unverified. I couldn't understand. Of course it was unverified as I had just had the number changed that day. I asked for a supervisor and things only got worse. She refused to transfer me, began talking over me then disconnected the call. 2nd call, went through the automated system, verified myself with the CSA who then transferred me to a supervisor as I had requested. The supervisor asked for my new number and my previous number then put me on an extended hold. She eventually returned stating that they were unable to verify my identity and I would receive a letter in 7 days. I was blown away. I passed the automated system at the beginning of the call, the agent who transferred me to her had verified my information, but now I suddenly couldn't be verified and she refused to tell me anything more. She could have at least explained the process she was supposedly following to help me understand what was She was being so rude and all she had to do was make the smallest attempt at helping me understand what was happening and why, but she didn't even try. 3rd call, I again passed the automated system and the first agent who transferred me to another supervisor. The supervisor was incredibly rude from the beginning, stating that everything had been explained to me by the previous supervisor I had spoken with (she had not even attempted to explain anything to me), kept cutting me off when I would speak and stating that they were not going to give me any information pertaining to my account. I was so confused as I had never asked for any information, rather, I was trying to GIVE them information to keep my account current. The 2nd supervisor on the 3rd call remained extremely rude and it felt like she was accusing me of something. I just wanted to update my phone number. 4th call, I was immediately routed to the fraud department (apparently I was now reported as attempting fraud by wanting to keep my account contact information current). FINALLY, this agent took the time to explain to me the process and just help me understand what was going on. Apparently, my new phone number is considered "unverified", so if they are unable to send a code to your previous phone number to verify your identity, you end up getting reported to the fraud department. All other business will also use an email address or send a verification code to the new number, not the old one, but Citibank has to be different and unreasonable. Why would I have access to my previous number when I had just changed the number that day? Same phone + new phone number = no longer able to access the previous phone number. I used to love Citibank but now I have to wait 7 days for a letter in the mail with no access to my account. All because I wanted to keep my contact information current. Good job Citibank, makes perfect sense. Just to add, I updated my phone number with my other bank accounts without incident and in only a few minutes total time each.

I have fees on my account. I went to the branch located on 207th street and Broadway. Spoke to a manager. I was there since 1:30 PM ON FRIDAY AUGUST 20th. We contacted customer service in reference to the FEES. AND THE REPRESENTATIVE DISCONNECTED THE CALL.
Manager printed out the statements and it came out that I was correct. I have fees over $1, 000 unexplained. I left the bank at 6PM without resolving the issue. Please contact me

Scott Cardel, owner of Cardel Catering, Alameda Ca
February 2021 approved for PPP funds Denied by Citibank 4 x
No explanation. I received PPP last year in the same account.
I intend to file a complaint with FTC and Alameda Cty DA

I have 2 credit cards opened (double cash and rewards), Double Cash I have had for many years. Several years ago you announced that you are removing benifits like auto damage waiver, trip cancellation and others, but you left entertainment, which to me is useless. On top of all this you are one of the highest interest rates around. I am very disappointed with you and your lack of service that you use to provice. I have found another credit card (Chase) that offters the type of benfits that I use to get from you so I will stop using your cards all together. Too bad you are not more customer service oriented as you sure to be...

Hi

I've been a Citicard member since 2006, That's 15 years without a single missed payment until I changed my auto pay amount and was unaware it didn't go through! That one time
last month a payment was 8 days late! The amount was promptly paid the
when I realize what happened.

Instead of recognizing my superior record with Citi they decided to be an [censored] about it and cut my entire credit line on both card thus severely damaging my credit score!

I just paid off one card they now owe me five dollars!

My credit was reviewed by an "Automated Consumer Interview System"

A STUPID computer bot decided I should have my credit cut off! REALLY!

Since my Equifax Report is Frozen I'm not sure where they conjured up this nonsense.

I've just gone through every line of my credit report and there is nothing I repeat nothing derogatory to prompted you to do such a hideous thing.

CITICARD reviews by using an "Automated Consumer Interview System"
15 years of credit history gone because of artificial intelligence, And I use that term loosely.

A computer bot decided I should have my credit cut off!

I want to let everyone know about Citicard's egregious behavior and the treatment of the senior clients.

When considering an credit card for your business or personal use
This is not the one to choose, there many other companies that value their long-standing clients. CITICARD IS NOT ONE OF THEM!

Good morning,
I am filing a complaint due to the extremely poor service I received over the past few weeks by your representatives. I initially tried to open this account a month or so ago via the app. It gave me an error message that something went wrong so I tried it a few more times with no luck so I decided to message the reps to ask why or for help. The number listed on the error message to call is disconnected as well. The reps stated that they could not help me and that I needed to call a specific number between the hours of 8-5 Monday thru Friday. I work in another financial institution so these hours are difficult for me needless to say. I called in to get help with setting up this account and they stated that I needed a code to bypass this error, so one was given to me. I tried to use this code the following day but there was nowhere for this code to be entered on the error screen. I called back and the next person stated that there is no code to bypass this error and I must have received incorrect information. I asked the gentleman on the phone to help me if he could and he was able to open the account as requested via the phone on 7.26.2021. He stated that I could access this account in 1-2 days via the app during our conversation. I attempted to view this account on the app that following Wednesday and I was not able to. I called back again that Friday since I was still not able to access the account and they stated that I would not have access to this until I received my debit card in the mail. I was becoming very frustrated at this point in time as I have received all sorts of information that turned out to be incorrect. The following Monday I decided that the time had come for me to close this account due to the quantity of issues I had dealt with in the short amount of time that I have been attempting to do business with Citibank. I first sent a message to have this taken care of and they informed me that I needed to call the 800 number to get this resolved so I did just that. I spoke with three different individuals that day in attempting to get this taken care of. They all told me that I had to call back during certain business hours to get this taken care of and I felt this answer was unacceptable from my point of view. The representative (Mandy I believe) ensured me that she would take care of this the following day when her shift began at 5 PM and that she would call me back to let me know when this was taken care of. I did not receive a phone the following day, in fact I am still awaiting that follow up call to this day. I called again two days later to get the account closed and I was placed on hold for an excessive amount of time without getting placed in contact with someone (30 minutes +) so I had to disconnect the call as I am placing all of these calls during business hours. I called again today (8.10.2021) to get this taken care of once again. The first gentleman I spoke with could not understand my request so I asked to speak with another rep. I was put in contact with the same lady (I believe) that told me she would follow up with me last week once the account was closed. She stated that she was unable to close the account for me since it was originally opened via phone. She stated that she would transfer me to another rep who could help me and placed me on hold. I remained on hold for the next 46 minutes until the call was disconnected from Citibank's end. All of the representatives spoke English very poorly and the communication was very difficult during these calls as a side note. We do have a credit card thru Citibank and we enjoy the benefits it offers and we use that for all of our every day purchases. We had been very impressed from our experience with the credit card over the years so we decided that it would make sense for us to move most of our assets over to Citibank as well. We would like to continue to utilize our credit card and would like to have the savings account closed as per my multiple requests. It is unfortunate that I have to file this complaint as I am not one to complain about most things as I work in customer service myself and I understand where most of these people are coming from and dealing with on a day to day basis. However, since this situation has been handled extremely poorly on multiple occasions, I feel that I have no other alternative to do so in order to have the account closed as I have requested on many occasions. Thank you for your time and my contact information is as follows
Ryan Ishman
C 814.316.5103
526 Trout Run Rd
Punxsutawney PA 15767

I opened a Citi savings account about a year ago, no issues until today. I wanted to transfer 20K from my Citi account to another bank and ran up against their transfer limit. "For my protection" they limited me to $10, 000 per day and $15, 000 per month. So it will take 2 months for me to get $20, 000 of my own money? Not a loan, my money. I called and the agent confirmed the maximum amounts I could transfer so I decided to just close the account and was told I could get the money wired to the other bank for $25! or they could mail me a check that would take between 10 - 14 days. There are no branch offices in my city so I'm stuck.

And don't get me started on their automated phone tree.

CITIBANK NEVER AGAIN! After a 10+ year relationship, they arbitrarily closed my NRO account! Trying to get help from their service team is like pulling teeth! So painful! They answer the phone like this, "Ha, so tell me?" like they're agony aunts versus banking professionals. They sent a demand draft which took a week to get to my father. Then they made the process of opening a new account so complicated with very little support which dragged on for 4 months! Moved my relationship to a new bank now they're dragging their feet with reissuing the expired demand draft, saying a written request signed by me and scanned to them is insufficient. I'd like to know what my recourse is when I'm not in India and thanks to the Covid crisis, can't get there anytime soon. How do I get the bank to reissue my demand draft? Shouldn't their service to NON-RESIDENT INDIANS account for the fact that their clients are not in the country? Ridiculous!

Hello Team-My credit card ending with 3025 has charge Rs. 1000 levied. But last time when I talked with customer care they assured that due to Corona Pandemic it will be waived off and also second reason is I lost my card. So only new card was issued. Please resolve this issue on priority.Waiting for quick response as my last bill paying date is 7th of August.I am long time citi bank credit card customer.Please waive off this untrue amount or I am ready to surrender the card.

Received a request from Citibank to upgrade my rewards card. Was bombarded with request and finally gave in. Only upgraded because I could complete the process on the internet and did not have to complete a new application. The card that I upgraded had accumulated several years of rewards that I had not redeemed. When I went in to redeem my rewards, I was informed that I had forfeited the rewards by upgrading to the new rewards plus card. Contacted Citibank to complain and they said a dispute was filed. Later received notice stating that the rewards were forfeited and there was no recourse. I would like to have my money that I'm owed. I should add that I have the same account number but a new card.

Citibank has blocked my debit card and blocked my online banking no acess to funds all because they say my phone number is not verifiable what givesssss

This is the letter I sent to Costco customer care 7/22/2021

I've been a Costco customer since the store opened in 2006 in Maple Grove Minnesota and a part time employee for as long, until I retired June of this year. I've carried the Costco credit card ( AMEX and then CITI) nearly as long. I've used my costco business card as my primary card for everything possible. I've always been satisfied, with problems I've run into rectified with no question. Until now.

Recently I did some online business where I agreed to a $1 charge to look up a VIN number. That's how the online site advertised it, that's what they had me check a box agreeing to- one dollar. When I got my next month's statement there were two $18.75 charges on it from that company. Citi contacted me questioning if this was a legitimate charge. I said no and explained how the company has deceptive practices having you obviously agree to a small charge and then somehow, putting in the fine print the larger charges. Citi's fraud department sent me a letter saying since the company said it was a legitimate charge, and despite my claim I had to pay it.

Now this month, I went online to citicard.com to set up a future payment on my account for the 26th, well before it was due on the 28th. Somehow I made a mistake and the payment was scheduled earlier than I intended. I didn't discover the mistake until looking at my bank records today I realized the payment had bounced twice-before the time I expected to have to transfer the money. I immediately called Citi to make the payment, since I do have the funds to pay. Mind you, this is the 22nd and still ahead of payment due date or when I intended to pay.

I was informed there would be a $39 dollar charge for each payment rejection and I couldn't make the payment until my account reflected the last return. The Citi rep would do nothing to help me with the charges for my MISTAKE, nor, when I asked her about the fraudulent charges outlined above, would she do anything but offer to transfer me to the fraud department because, she said, she could do nothing to help me. I asked how I would cancel my credit card once I saw the balance paid, she simply said call in and request to cancel, as if she could care less. (I will insert here I was not angry, I was not rude, I was simply calling for help.)

Though in the scheme of things, one could say a couple of $18.75 charges is not that much, or the two $39 charges are what I get for making a mistake-but really?
Amex NEVER treated me as this rep did-like I was someone trying to scam them, or it made no difference to them that I was appalled by my mistake.

Last year I did $109, 959.00 business with them/Costco and so far this year, only July, my business totals $95, 854. I have many more purchases planned for the rest of the year. I've been loyal, I pay off my bill on time every month, never late. In that light, to me, two $18.75 charges by a scam operation and two $39 charges for a mistake I made this month are unacceptable. And to be dismissed so casually by the rep compounds the upset. Now I am angry. Now I am upset, and I'm talking to people every day.

I would like to stay with Costco Citi but not if this can't somehow be rectified. There are plenty of other cards that I have and can use that treat me like a valued customer, not as another number in the cash flow they collect every month.

I'd also add, I had fraud on my card a few months ago and had the card replaced. It took over a month with several calls (one for a hour while standing embarrassed in a store) for Citi to manage to take the fraud alert off my new card.

All of my experiences leads me to suggest Costco take a hard look at the credit card company you want associated with your name. Citi certainly is not treating your loyal members well and is not helping your good name to stay well thought of-unless Costco now thinks of their members as casually as Citi does. As a former employee and long time member, it would sicken me to think Costco is that way now.

Vicki Kacalek
5534 Vinewood Ln N
Plymouth MN 55442
[protected]
[protected]@gmail.com

Today, July 22 2021, I received a bill from Citibank for a Sears credit card for $2.88. I called Citibank [protected] to discuss the problem. The person who answered was Alberto, employee I.D. [protected]. (I believe the call was recorded so you can check the truth of what I say.) I explained that it was my husband's credit card, and he had died on April 28, 2021. I also told him that on May 4, 2021, I received a letter from Sear's saying his account would be closed due to inactivity if he didn't make a purchase by June 30, 2021. That was fine with me. In fact, I checked my husband's files and found there were two cards - one in my husband's name and one in my name - that had never even been activated (see photo attached of cards still stuck to the mailing they came in). Alberto looked into it and said the charge was made at a Barnes and Noble in June. I told him that was a fraudulent charge. He said I would have to contact Barnes and Noble and dispute the charge. I started crying a lot and saying that couldn't be right. (You can imagine all of the paperwork and phone calls one has to do after the death of a spouse. This put me over the edge.) I asked whether Citibank could just write off the charge (less than $3) or dispute it with B&N themselves? He said there was no way to do that. I asked for his supervisor multiple times, and he said he couldn't do that until he read me something. He started reading about if I didn't pay the charge, it would be referred to Citibank's legal department who would review the case, and possibly send the bill to a collection agency. I lost my temper and begged him to stop. He insisted he needed to finish reading this policy to me before he could try to find a supervisor, He said there are very few supervisors and it can take a long time to find one. If he couldn't find a supervisor in 1 minute, I would have to call back. I said I would stay on the line for months if I had to. He found a supervisor (Noah I.D. No. [protected]) who said he couldn't do anything either. I asked for his supervisor, and he gave me the mailing address of the Office of the President in Sioux Falls, S.D.. Another of my beloved husband's credit cards (Suntrust Bank) was fraudulently charged twice on June 13 and 14 at a 7-eleven. These charges amounted to over $900. The woman from Suntrust Bank was so kind and compassionate when she heard that my husband had passed away, she told me I didn't need to worry about this at all. They would handle getting the money from 7-eleven. I recently got another bill for about $2700 from a Citibank card that my husband shared with my daughter as an authorized user. I called them right away and was told that since the responsible card holder is deceased, I was not responsible to pay it. I said if they could send me a listing of the charges, and they were valid - and not obviously fraudulent - I would readily pay the bill. It was repeated to me that I didn't need to pay the bill in a case of death. That would be totally voluntary on my part. I said I wanted to pay it if it was really owed. I believe this is the proper legal way that Citibank should have responded to the $2.88 post mortem fraudulent charge on the Sears card.

it is extremely unfair for you guys to permit your automated phone system to hold me hostage. it is extremely frustrating and unfair. the recording refused to transfer me to a live person. once I received a live person, the rep "could not hear me" - and so I conclude I would not select Citibank for my personal bank, nor refer it to friends, family, colleagues. extremely frustrating and unfair, poor service

I received a billing statement due for 12 July 2021 which include membership fee amounting to PHP2, 500.00. I immediately emailed Citibank Philippines through the online secured email service to inform them that I have never received nor activated the visa card since I have been in the US since the start of 2021. I requested for the reversal of the charges. However, the two email replies I received did not respond to my concern and simply asked for my address to send the card. I sent a follow up email since I got another extra charge of PHP500 for non-payment of the contested membership fee of PHP2, 500.00 The amount is not the main issue, it is the principle of receipt and activation of membership. I have stated in simpler terms to cancel the credit card and stop further charges.

Romina D. Sta Clara

I have made at least 4 phone calls and no one is able to resolve my problem.

Citi Card has approved my warranty claim ([protected]), which I appreciate, and they tell me that they have credited my Costco credit card account (ending in 8800) with the claim money. However, that particular credit card account is no longer active, so the refund is going into a black hole.

Then when I call Citi Card, they tell me that they will refer my problem to some sort of investigative board who will make a decision in the next 7-10 business days. At which time it will take another 7-10 business days to receive a check for the refund. Then I receive a notice from Costco that the refund has been credited to my obsolete credit card instead of being mailed to me. This scenario has been repeated at least three times!

I am very frustrated with your service! This is not a hard problem to solve! Will someone please fix this and send me a check for the warranty refund? Thank you.

The third time I tried to use my card it was declined and flagged as fraud. The first time contacting the fraud dept. They verified me via text to phone and said it was cleared and I could use the card. I tried declined again and they have not been successful in verification since. I received two letters dated June 19th and neither one worked. I travel a lot and I'm only home about everyother month to get my mail. I've made my payments yet still can tuse my card. I have called 7 times and even went to a CitiBank office

On April 27, 2021 I ordered some merchandise from ULC Online. I never received the merchandise and sometime later, it appears that the vendor may have gone out of business.

I contacted Citibank to dispute the credit card charge. They issued a conditional credit. On May 25, they reversed the conditional credit.

On June 14, they sent a form letter claiming that they needed additional information and that the merchant claimed that I placed an order. I did place the order, an order that the merchant has made no effort to fulfill. The merchant provided no proof that the order wads fulfilled, shipped, ot delivered.

On July 2, I contacted Citibank and then emailed them the information they claimed they needed.

On July 6, Citibank claimed that I had not provided the requested additional information and closed the case.

Numerous phone calls since then have resulted in Citibank employees hanging up on me rather than deal with the problem.

The following is a letter I have Sent to Citi today since they are working very hard to pin fraud back on a person who is a Fraud and Money Laundering exec, ruining my career in the process and

Hello,
I have requested via Patricia on the Home Depot and Best Buy Review team that the
manager of each ERU team for American Airlines MC, Simplicity MC, Brooks Brothers
MC, Best Buy and Home Depot Cards call me within the next 24-48 hours. I realize we
are headed into a weekend so I expect each of these calls by late in the afternoon
Tuesday at the latest.
Citi has not only ruined my credit, you have also been speaking to fraudsters about
transactions that have taken place (not once reaching me) and/or receiving calls from
said Fraudsters to "validate" purchases and/or credit line increases. It is noted on my
credit bureau no to allow any transactions unless they are absolutely certain they are
me. In June there were payments that continued to be made on my AA and Simplicity,
even though I expressly told Citi not to take anymore 3rd party payments without
contacting me first to allow! Citi did it anyhow. And then when I asked that these
payments to be reversed they could not and I was told "they have to run the course and
if the ACH payments com back unpaid we would deal with it at that point". Well all
came back and Citi shut down every single one of my credit lines with all of the
above. On top of that over 2 years ago my wife received a Citi (Best Buy) that we were
past due on a very small amount due that we had not received a bill to account from the
amount due at the time. Later I then called in with my wife Gretchen, because we were
unhappy that I had not received a bill for the Best Buy account that we wanted it closed
down. At that time were advised it would be closed at our request. We also asked for
the address or email (believe address now). Because I have said letter and will attach
herein. In addition I have an address of:
Security Services
C/O Presidential
PO Box 6000
Sioux Falls, SD 57117
This appears to have not taken place, and I am in receipt of a letter regarding the Best
Buy account that states the account has been closed by Citi, yet a Fraudster increased
the amount to cover a charge of over $3k. Additionally, I am told the person approving
was contacted by the store and provided my Drivers License number and spoke to my
using their phone and my cell phone as well. This is completely false, and again they
spoke to the Fraudsters who have stolen by identity, and if they called my phone 832-
436-7401 that is on the Credit Bureau it had been "spoofed" again. Citi did not get a
copy of the ID from the Fraudster so who knows what the person that has stolen my ID
looks like and they did not stop the credit line increase, even though citi knew I had
been defrauded, the fraudsters had stolen my identity in the past and this type if charge
went against all spending habits that I have. Citi never texted me, nor did that email
about this. It was only when I was checking all of my credit showing on my bureau that I
discovered it and called it in as fraud. I will not pay on a fraud and Citi you have done
nothing to protect me. Why didn't you have the fraudster make a copy of the ID? Also,
you will note that I have a new Drivers License that I received on 5/3/21, so I bet it's a
very different number and a very different person showing on the ID. Also, on the date of this Transaction I was out of town, heading back from a wedding in NJ for a
friend. How could I make a purchase at a Best Buy Store in Cypress Texas when I was
heading back from New Jersey by plane? This is impossible! Citi has not protected me
by closing this Best Buy account when I requested and now you allowed the Fraudsters
to charge it up and want to hold me responsible. No way, you Citi have enabled all
fraud and ACH payments that were not from me, when you knew full well that I was the
VICTIM OF ID THEFT AND ACCOUNT TAKE OVER! YOU DID IT AGAIN AND
ACCORDING TO THE STORE AND THE AGENT I SPOKE TO FROM CITI TO
CREATE THIS CASE, THE CARD WAS NOT PRESENT! THAT'S BECAUSE WE
DESTROYED THEM AFTER THE HASSLE WE HAD 2 OR SO YEARS PRIOR.
To make matters worse, even though this is now the 30th time I have sent in all of my
documentation you have neither requested a copy of the police report (another has
been filed to make a total of four) nor have your investigators read them. The ones in
Houston show the fraud that took place and yet you read NONE of them! The agent I
spoke to today, Patricia, said "This happened in Houston too? The answer is Yes and if
all of my letters, police reports, etc had been read, you would know that! This is poor
investigation, Citi has not looked out for a very good customer and now you have
backed me into a place I hoped not to go which will next be a lawsuit! In fact, save me
the hassle Citi, sue me and then I will counter and either way embarrass yo in front of
the press and the US. I have ready so many reports of Citi doing the wrong thing by
their clients and now I have my own proof! You are the only bank that has done this
and I am disgusted and embarrassed for you!
On top of that your people don't seem to understand that investigations often change
paths and what a person (me) believed could be the truth was not accurate on a couple
of occasion, leaving me to validate and adjust as I found out what really happened, as
with the payment I believed came from my employer but didn't. 22 years fighting fraud
and AML and you come after a guy that is a victim. So sad that you are the only
ones that believe this because all others are working to clear everything and Citi is not!
I await your call and then we will go through everything sensibly to see how you
respond and if it's not good we take the path of least resistance and make you prove
your points in court. In the meantime, I will have my lawyer move forward with a case
against Citi, contact the press to show everyone what Citi has done and let the court of
public opinion see how really messed up Citi is!