Citibank
Reviews and Complaints

OFFICER: MR MICHAEL LOWE.
POSITION: DIRECTOR, INTL, REMMITTANCE CITIBANK LONDON..
TELEPHONE OFFICE/BANK::(+[protected]),
FAX NUMBER:+[protected]
EMAIL: citibankoflondonuk@gmail.com

SIR. PEDRO HILLS.
United Nation Grant Alleviation Allocation
Programme (UNGAAP) Agent
United Kingdom Regional Office.U.S.A GOVERNMENT, WORLD BANK, UNITED NATION ORGANIZATION OFFICIAL APPROVAL
PAYMENT VALUED $12.5M

I was informed i needed to contact Mr. Lowe concerning the above mentioned matter. I realize your time is important but please at your convience confirm this as a scam or ?

I obtained a motorcycle loan through National City on June 5th of 2008. I handed them the title and I was told they would be taking care of registering the bike. After a month I called to find out where my title is and they said it was on the way. This went on for months. Finally in December of 08 they had admitted the lost my title right away in the beginning and they had no clue where it was. At this moment I decided I was going to take all my money out of the bank and pay the loan off. After numerous phone calls and numerous lies I was finally helped by a manager named Ed. He contacted the previous owner of the bike who took his own precious time to go to the DMV to make a duplicate. Fortunate for me, he was trustworthy enough to not report the bike lost or stolen considering I did not own the bike and National City was not the lien holder. Simply put, I was paying for and housing a vehicle I did not own and that could have very easily been reported stolen. I paid the amount due every month to National City for a vehicle I did not own and was not able to operate due to their negligence. After I contacted the previous owner we set up a time to meet so I can get the title and try it again. After receiving the title, I was told that I would have to pay the money due in order to get it registered. If this were the case I do not understand why the ever kept the title in the first place if it was my responsibility to get it registered. After this happened, I took all my money out, transferred the loan to another bank and have attempted to close my accounts. I went into the branch on Moreland Blvd on 01/08/09 to close my accounts and I was told it will be officially closed during the next cycle. It is now two months later and my account is still not closed. It took me nearly 9 months to receive my title but in no way should it take more than a few days to have my accounts officially closed. I have gone into the branch on more than one occasion and I have been told everytime to just give it a few more days. A few more days has gone and passed numerous times and I am fed up with getting the run around and need this to be taken care of. I should not be able to access my account online anymore. There is no reason why this should not have been able to be resolved in person but I am starting to understand this is how business is done at this bank.

(Scenario: National City Bank bought out my bank 2 weeks earlier) On a friday, I deposited my weekly $400.00 paycheck On Saturday, I wrote a check to cover $11.00 for dinner for my son and I. On Sunday I wrote a check to $10.00 to the same place for the same reason. On Monday I deposited A paycheck for $400.00 from my second job. On Tuesday I deposited a $200.00 child support check . On Thursday my account was negative On friday, I told them I was not depositing any more funds until they straighten this out... The following Monday I asked them to close my account. $21.00 worth of dinners cost me $1000 and now, 4 years later I am getting harassing phone calls saying I owe $600.00+ from PNC (the bank that bought National City)

city bank is sick people up for their money, national city bank stole $3, 000 from me and they are being investigated for their action, I advise anyone not to bank with them and yes there customer service is not great at all.I know one thing that bank needs to be put out of buisness.

please dont bank with them.

National City lost the title to my car as well. I puchased the car in 2003 and have paid it off and they have no idea where the title is. They more or less said it is my problem. They gave me a number to call to get a replacement. However they did not offer to pay for the replacement. Like I said they don't have a problem, they got their money so no problem for them. To bad for me. I will never get a loan through National City Bank again.

NATIONAL CITY BANK OF COLUMBUS, OHIO IS HORRIBLE. THEY HAVE NO CUSTOMER SERVICE AT ALL. IF YOU CO IS A RIP OFF. I HAVE GOTTEN SO MANY FEES, I CONTACTED ABOUT THE FEES AND THEY WILL NOT REMOVE WHATSOEVER! THEY ARE RUDE, INCONSIDERATE AND IN MY OPINION VERY FRAUDULENT!

THOUSANDS OF $ IN FEES!

DON'T BANK WITH THEM IF YOU ARE SMART.

I've had a home equity credit line with this bank for 5 years. I just locked in a fixed rate on the variable-rate portion of the loan and was quoted a rate of 5.27%. When I got my next statement, however, I saw they had locked me in at 5.95%. The same exact thing happened 5 years ago when I was quoted 5.19% and locked in at 5.68%. I have spent hours going through their endless phone menu system, being put on hold, and sitting at the local branch office waiting to talk to a manager trying to get this problem resolved. Whenever I do finally talk to someone, they tell me they will get to work on it and get right back to me. They never do.

I made my monthly credit line payment to national city bank by speaking to their account rep. on the telephone. she took my checking acct info and confirmed the payment. later i found out that the payment was not applied to my acct. because she screwed up the check #, so as a result thy decided to report me late to the credit bureau. when i called to discuss the matter i found that thy were completely unresponsive, rude, disrespectful and totally unwilling to correct their mistake. i left four messages to speak with there accounts manager and wrote a letter to the collection department asking for assists in resolving the matter and received not one return call. it is my opinion that this company has no respect for its customers, no concern with reporting the truth to the credit bureau and absolutely no moral integrity to speak of and i hope this letter will help others to avoid doing business with national city bank.

National City Bank is offering 2.0 intrest on a money market acct. I went there to open a checking and savings acct. with them and asked if I could get the 2.0 and free checking.I was told yes. I had 52, 000 to deposit in the money market and thought I was getting free checking. When I finally got all my checks and stuff in the mail I re alised they had switched me to an intrest checking acct. which would have a monthly fee. In the fine print it said free checking wasn't elligable with 2.0 market acct. I went to get my money out and was told I would be assessed $30 per acct for closing before 6 months. I told them they have no right to take my money through a outright lie and then deposit in another acct. that I didn't choose. And then tell me if I want my money I have to pay their $60 extortion fee. I filed a complaint with the Atty. Generals office in Columbus Ohio.

On August 5th, 2017 at around 1230 pm my wife pulled in the drive -thru to cash my Disability check, which she has been doing the last six to eight months without me being there, I always sign the check or endorse it and there has never been a problem ever! anyhow my wife gave the check to the lady and she says to my wife with an attitude that she can't accept the check, so naturaly my wife asks her why not and she without making eye contact with my wife says again i can't accept this, now mind you this lady had an attitude from the start and never ounce made eye contact with my wife. my wife was very professional toward her as well, and the lady was extremely rude and acted as though my wife was beneath her. my wife and I have accounts at other banks and cash my checks without any trouble, we would of had no problem if the lady had just explained the issue or said that this is a new rule or something! in all the years I was in business for myself I have never treated people like this lady treated my wife, or I would of went out of business.when my wife called me an told me all this, I just shook my head in disbelief, so I decided to act out on this I tried to call the eight hundred number and all I got was a recording to press this and to press that and still could not get through, so anyway I would sure appreciate it if you would at least let this banks manager know about these kind of things, because of this we are closing our account with them, and the sad part is we have a lot of money in our account over there, this is a real shame, I hope the next person does'nt go postal over something this silly because this should be a pleasant experience.anyway thanks for giving people like us a place to vent and hope to hear from you soon thankyou.

Over Memorial Day weekend my mother was admitted to the hospital on an emergency and it was discovered she had Stage 4 Lung Cancer and was going to die. I rushed to Detroit to be by her side. The day after Memorial Day I was checking our National City account and found we were negative due to un-posted authorizations coming though. It was 4pm and I needed to be on the road to return to Grand Rapids I was unable to hunt down a National City branch in an area I was unfamiliar at rush hour to clear up the matter. Upon arriving back in Grand Rapids I deposited cash funds into a National City ATM to bring the balance positive and my husband sent an email to Patrick LeBlanc at the Eastbrook Office requesting he speak with the Branch Manager regarding waiving any fees that may post due to the extreme family emergency.

I was forced to return to Detroit on Thursday to be with my mother who took a dramatic turn for the worse so my husband continued to try and work on the issue. We did not get credits or returned emails from Patrick. My husband left a voice mail for Patrick asking for an update which was not returned. Besides our DDA and Savings Account my husband recently moved his 401K from a former employer to National City Investments. At retirement this fund will be worth over $200, 000.00. Sadly my mother passed away on Saturday May 31, 2017 and we were left with 5 overdraft fees still sitting on our account at a time we could not afford these. While in route to Detroit on Monday June 2 my husband discussed with Patrick how the branch manager Annemarie was not only threatening the loss of our DDA and Savings Account but also the investment account over a few overdraft fees. Patrick took the attitude that �if you move it you move it� he did have Annemarie finally call my husband on Tuesday, June 3 her call came during the visitation for my mother.

To our disgust, this branch manager showed no compassion or understanding for our loss or the circumstances surrounding the loss of my mother. She flat out refused to credit the fees saying there was no bank error. We feel a bank error had occurred because not all your pending debit card authorizations show in pending, they surprise you the day they post causing negative balances. This is a bank error because those same merchants that do not appear at National City appear on our Fifth-Third account as pending. This practice is a clear attempt by National City to generate negative balances and increase fee revenue which Annemarie was more concerned about getting then showing humanity and compassion to a customer.

A financial institution who places such an individual leadership who is more concerned about fees then compassion is not an organization we will use. We have closed our DDA and savings accounts and am in the process of moving the IRA out. We will be informing others of the actions of National City.

I had a Checking account with this bank late last year. I had $129.00 in there when I had left for vacation. Well I had written a check for some service done to my truck and was promised by the bank that it would not be withdrawn from the account until monday. Well while on my way back from vacation on sunday. I called the automated info line and found that my account was $230.00 in the negative. Well when I went thru the transactions I had found that They stayed shipping back checks and withdrawals that had been cleared for over a month to make up for a $23.00 overdrawn mistake. Come monday I spoke with the branch manager and was told it would be taken care of. Well I paid her the 23 dollars that I owed to the bank and went on my merry way. 2 months later I get a letter stating that My account was closed due to being overdrawn by $1048.00. Which I closed my account on the day I paid the 23 dollars. I tried calling the corporate offices and all they tell me is to go thru the main branch offices. They will not help me. It is a new branch manager now. and I have a very bad report on my credit from a Allied Interstate which I guess is a collection agency for national city. I have sent them numerous letter also and have no answer. So What am I supposed to do now? Plz advise smb!

This is the WORST bank I have dealt with in 40 years. Unbelievable harrassment on one payment that isnt even 30 days late yet. Over 30 harrassing calls so far, all day and night, weekends, they wont quit. Each time I tell them to stop calling, they dont. each time I tell them that I am working with their loss mitigation dept and to quit wasting my time with harrassment calls. They continue.

I hate this bank with a passion. I would NEVER do business with them again and suggest that NO one else ever do business with them either.

No one in this bank knows what the other is doing, and doesnt relay any information to the next harrasssment specialist.

Beware of National City Bank! This bank will drain your account dry in overdraft charges! They have the absolute worse customer service people that I've ever had to deal with. They don't have a clue what they're talking about. Everytime I turned around, I had overdraft charges to my account. Even when the funds were in my account, they always had some excuse for the NSF's. And beware! They purposely post your transactions so that an overdraft will occur. I gave up trying to keep up with my account.

I went to the bank to close my account after being fed up with losing so much money to NCB. At that time, the teller disposed of my debit card because it was no longer valid & I was no longer able to access my account online. I had a zero balance when I left the bank. A small check that had never been cashed, showed up & was run through my 'closed' account. Instead of National City returning the check 'Account Closed, ' I was charged $34 & an additional charge of $8 per day that this charge was not paid. I was not even made aware of this until just recently because I found out that National City has been sending any notices to an old P.O. Box # that is no longer even valid. I changed my address with the bank, but the people that work there, are not the sharpest tools in the shed! Needless to say, I never received notices until today. Now I owe National City Bank nearly $600!

I strongly advise anyone not to do business with this bank. They have no morals & will steal you blind! That's how they make their money!

The bank offered a promotional incentive for the opening of new accounts. The offer initially began as a promise to provide a $250 Visa gift card for the opening of a new account and the meeting of certain criteria (direct deposit, etc.). After I opened my account, I brought my teenagers to open accounts for them. By then the offer had been lowered to $150, which was fine.

The problem is that the bank never provided any of the cards. Only after I made persistent calls to the bank did they noffer to deposit $200 into my account, which I declined. They deposited the money anyway. The deal was $250! To date, they have not given my kids anything.

I opened a bank account for my kids about year and 1/2 ago and the person at NC told me that I had to open a checking for my kids since I didn't have $200 minimum to deposit. He fails to mention if there is no activity on the account after 6 months the account will be closed. So I found out the the money I deposited for my kids is gone. When I call to complain they tell me that I could have opened a savings for my kids with any amount. So because I wasn't given the savings account that I wanted I lost their money. So when I call to complain they say they will call me back...uh yeah never did call back. Nice... I could go back to the National City on Woodman and punch that guy (the one who set up the account more than the one who didn't call me back EVER)! Like it's not hard enough being a single mom and trying to do the right thing. THANKS NATIONAL CITY! I still bank with you for now, but I don't give good referrals anymore like I use to and won't.

Citibank NRI home loans is run by a bunch of [censor]s, who are not from the banking world. The customer representative is a joke.Unprofessional, unaware irresponsible people. No wonder CITIBANK is under loss. The customer rep I spoke to had no idea as to how the loan works and here is the best part the Country Manager in India is a novice too, looks like CITI recruited a "smart" 23 year old MBA to head the company, man he is CLUELESS. I wihs they stop providing their "SERVICES" bah ! service is a joke. Hope they fire all the Managers who handle this loan in the US and India tooo.. Word of advice do not deal with them!

CITI NRI is like a Mouse Trap.
You can only send money to India.
There is no way you can get it back.
Even though Reserve Bank of India made simple rules for repatriation, people working in CITI will intrepret those rules in a most complicated way and make sure that you will not get any thing back.
They are spoiling the image of the bank and causing enough heart burns to the customers.

You're right. I am from Melbourne and everytime i call them it is diverted to India. The service is very awful. The operators keep disconnecting the phone during conversations. The operators have very little knowledge about banking and are not trained well.

Citi NRI is not a trustable source to send or keep the money. I have had bad experienced several times. They closed my accounts all the time for not updating the KYC document and send the money in Rupees to the different addresses. Although they ask for KYC but they don't update it on time; on top they close the accounts and send the money not even knowing that the real customer would receive the amount or not.

There is a word called 'DORMANT', Citi group may not know. I used customer support to reach out. After several attempts they attended the phone call but doing nothing. They don't have the proper training to support the customer and there is no alternative approach too. Customer representatives just go by the selective approaches and when they applied all of the by book processes they told customer to come and get the money from Indian branch which is so ridiculous and frustrating to the customer to handle the queries and there is no productive solution. #citinri, #Citigroup, #Citi — with Mrinmoy Bhakta.

I am a CITIBank NRI client for 10+ years. I have been trying for several months to get them to activate my account. They extremely unqualified and mostly illiterate support people who have no clue about what works and how in their own banking system. Constantly provided i=me wrong information, asked me to send in wrong information and wrong documents for my account that is dormant and they have transferred my finds to RBI. Tried contacting them to the senior most level but absolutely no response that is correct at all. This bank is joke and fraud. How does one reach out to RBI to address this problem? Sick of them treating their customers like dirt.

I am desperately trying to get in touch with my RM, till date I do not have any info on who
is my RM ? Further, I have received mail from citinri to update my Form W8-Ben, but I am
not able to find where to upload the duly filled form.

I have several time sent mails but no reply...I ma really sick of their services and their on line portal.

Can someone from Citibank, Mumbai Office care to reply me.

H. K. Mandavia

Highly stupid, Nonsense bank. I changed my US address for NRO/NRE account and they are asking to provide address proof as below. How these documents are applicable to NRI account ?. I gave US driving license and they rejected that it is not valid. They are asking Aadhaar card for US address change. Support center guys are big time clowns.

For proof of address, you can provide any 1 (One) of the following documents that reflect your new address:

- Valid Passport
- Voter's Identity Card issued by the Election Commission of India
- Valid Driving license
- Aadhaar Card issued by the Unique Identification Authority of India
- Job card issued by NREGA duly signed by an officer of the State Government

BIG SCAMMERS.. I AM HAVING HARD TIME TO EVEN GET MY FIXED DEPOSIT MONEY BACK. IT IS ONE OF THE WORST UNPROFESSIONAL UNETHICAL EXPERIENCES

Citi NRI has been my worst experience. They closed my account and reason for closing the account is that branch has been closed. I have sent a written request two months ago, but nothing has happened. Every time I call customer service, I get a new clown and I have to provide same information again and again. They assure me that my draft will be send soon, but it has not happened. I will ask anybody who has account at Citi to close their account as this bank is a complete fraud. Their word does not mean anything.

I agree with all the comments posted here. I'm frustrated with their service and planning to close my NRE/NRO accounts after being a customer for almost 12 years. Their Suvidha account services are good, but the NRI customer service is the worst I have ever seen in my life. None of the representative are knowledgeable of what they speak. They sound very confident, but always provide you wrong information. They are wrong 8 out of 10 times, so be careful with their representatives. I don't understand why they recruit such representatives and why they don't look into the recorded conversations when a customer raises complaints about them. Their process is the most useless and designed to delay things indefinitely. They probably want to hold your money as long as possible to reap maximum benefits for the bank. I can quote multiple examples for proving my claims. They stopped the fax service, so that you only have to mail them the documents which will take days. They ask you to send wrong documents so that it will delay things further. It happened to me twice. They give you wrong info if it can benefit the bank in any way.
I lost 6 months of interest on my fixed deposits of 6 lakhs due to wrong information provided by customer care. I raised a complaint with them on the same, but they are asking me for the representative details. They have every call recorded, so what they are asking is ridiculous and it shows that they just want to escape from their mistakes. I have 2 other instances like this where I lost my time and money due to their dishonest customer care service. I don't know where I can complain about this bank. If someone knows a way to make them pay for their mistakes, please let me know by posting the details here.

Pathetic website...trying to add US local accounts, the website does not provide the correct instructions to add account. After adding account I cannot remit funds. If I go ahead and de-register the account, the customer care representative deleted my login id. The relationship manager is never available.

Can anyone give me the fax number for Citi NRI in USA, they do not have any email address, it is impossible to contact them using the toll free number. thank you for your help

We're also scammed by a charge of 19.99 per month on our cc bill. We called essential gold and they couldn't explain this, said we weren't on their list and didn't know why we were being charged. Canceling account now.

If you want to improve your credit don't activate a citi card. These people report to a credit bureau while you are using your card. they claim they will not tell you when they report to credit bureaus, if you use your card more than 30 percent of your limits they report to credit bureau immediately that will have impact on your credit . Please don't use there credit card.

Agree. I was forced to pay off a credit fraud that happened to my card. I reported it lost and it was being used. Now they charged me the full fee plus interest and late fee and got me black list with credit bureau because i refuse to pay as it is still under investigation! Worse bank ever! Bad bank officers who are just heartless and unreasonable to explain to. Terrible Citibank Singapore

I got fraud by Citi bank Singapore, while miss one month payment for loan which I took 6.88% per anum even I was informed it would be delay and I going oversee. once they didnt get payments they cancel all my account and hand over to credit control dpt and charge me interest rate 27% per anum. this credit control dpt officer's seem like work style Ah long. I apply for debt loan with thia amonut of loan for 10%. Citi bank took my all document and simply no process and blindly call and told me that ia approved and pay every month $400
I was paying for a 7 months and while I check what is the interst rate on my accounts they told me 27% still. I strange and is confirmed that Citi bank didn't process my application. I reported to MAS Singapore. and cc to Citi bank but they wave only 2k. told me they taking action against the employee. is seems like cheat with customer, be aware with citi bank.

I had terminated my citibank credit cards for more than two years, why is it that I am still receiving statement of account from citibank? My name is Chua Gek Phin
The two previous accounts were: [protected] and [protected]
I am ignoring the statement.

Kindly look into the matter.

Regards,
Gek Phin

come on singapore...support your own singapore bank...be like bruce lee...what citibank do to us we can do the same and much better..i laugh when someone pay with citbank credit card..my shop accept all cards except citibank credit cards.dont be made a fool by citibank singapore..they are helping local banks..they are making us to stop any transaction with citibank so we can jump to our own banks..congratulation credit department citibank...thank you because you never sleep...

I am kay from singapore. I am really fed up with citi bank. On April 2010, one of the guy from ACE insurance called me to take their insurance plan. They said they are coroperate groups of citi bank and at once I say " yes" to do the insurance plan, they will going to proceed everything without I am doing it. At that time, I couldn't understand what he is talking and I am very busy at my office. So, I told him to send policy for me to read when I am free at home because too busy to listen all the conversations of him. So, he agreed to sent the policy for me to read and asked me to contact him back if I am interested. I received this policy plan and I am not willing to do it. So, I didin't contact him at all and he also didn't contact me as well. But after 3 months later ( end of june), I was shocked that ACE insurance cut insurance fees for 3 months together in my citi bank credit card statement and I enquired for that statement to citi groups. The citi bank officer told me that they could not answer why and gave me ACE insurance company's contact number to contact. I called ACE and the staff named called Niko said she will forward my problem to her upper senior and will get back to me in very soon. So far, I didn't receive any call/ contact from them 2 weeks. I called them back after 2 weeks and the staff Niko said again the same thing that they will contact me. But, nobody contact me at all till afew days. At last, I contact them again and the staff named called Riza told me the same things that they need to do some inverstigation and will contact me later. " What is this [censor]" ? This is my money and they cheated my money without my acknowledge. What is hell of investigation want to do this? I even don't have any approval documents from them for insurance. I never give them my credit card information and the citi bank gave them my credit card information anyhow to them without my permission. When I contact the citi bank officer, she said that I cannot get back my money because this is telemarketing and they already cut my money. What is hell is that ! [censor] off citi bank. Hello citi bank, do you know that you all are trying to fraud me? cheating me? How come you anyhow give my personal information to the others who i didn't know? Do you know that you all did mistakes and don't want to admit the mistakes? 1 ) misue my credit card without my signature /permission 2 ) i even don't have approval documents from ACE insurance with my signature 3) Nobody called me and informed that they will going to approve the insurance with me 4) Nobody sent letter / informed me that they received insurance / cut insurance money for insurance plan. They are doing all these fraud without my acknowledge and even don't bother to inform me. What the F*** is that you r using my money to [censor] your insurance plan? You all got commision ..isn't it? hummmm now cheated my money. Wait and See what I will going to do? okayyyy I will not stop here.. I will not give up. Nobody can get my money for free. There is no free in singapore. Okay...

i been apply for credit cards for the past few years but it's always reject by the banks. i admit my past payment history is not good but i did pay off every single cents i owe them. 5 years later i print out my credit bureau i realise in the report it show i still owe dbs a default payment, icall them and verify this case, to my horror they told me it's their mistake that they had overlook and did'nt erase my payment in theirs record. i'm so piss off and i scold them upside down. i intend to buy car and renovate my house by applying loan few years back, but dbs had cause me alots of inconvenience and i demand a compensation from them. i'll never want to have any relationship with this bank anymore, shame on this local bank.

Yes, I had exactly the same experience. Twice I applied for their credit card as I needed to swith to another because Standard Chartered stopped linking their points to Asiamiles. The first application they lost my data that I sent them (was at the City Hall office), but after a few weeks they said they found it back, but then due to the less than 6 motnhs validity of my entrepass, they could not accept me...well that was then.

During my second application after I got the new entrepass, I faxed them all my documents, and even got called by one of their sales persons. But after weeks I had not heard back from them. After calling their customers service, they could not find the person I was mentioning, nor could they find my documents again...well that did it! I checked out and found that UOB also had Asiamiles, and I had an account with them, within a week I had my credit card from UOB!

POSB and DBS creidt card is also the same. I really ban them forever. I got UOB but not DBS. I hate them. The next day after they reject my application with no much reason. I quickly withdraw all my money and transfer to the other bank.

Actually, you are lucky that they didn't approve your application. I used the CITYBANK credit card for many, many years. I used it to pay for almost all my bills and I always clear my bills on time. Last month, I forgot to pay my bill and was late for only one day. They charged me interests and when I called them to waive it, they rejected me. So I told them that I wanted to terminate my credit card, thinking that they would withdraw their decision. To my surprise, they replied me: "Go ahead." What kind of service is it? I also have UOB credit card, they can waive the interests for late payment. Furthermore, UOB also waive my subscription fee, unlike CITYBANK. Base on my bad experience with them, I advise those who have no CITYBANK credit card, don't apply for it. For those who have the CITYBANK credit card, terminate immediately.

We have a loan with National City. Last month I called NC and advised them we would be late on the payment. NC agreed to the late pay. Starting July 01, 2009 to this date we have received 144 documented calls from NC. We did talk with 3 reps and they stated, "we will call you everyday on the 1/2 hour or every minute until the account is paid. We are less than 15 days late. Evidently, calling and making payment arrangements was wrong.

They did this to me and I had no choice but to close my business account. I was a day late the following month in my National City Visa, and they closed my account. If that's not retaliatory enough, they quintupled my payment and jacked my interest rate up over 30%. They violated several laws under FCRA in collecting the debt. I filed a complaint with the FTC & AG's office. I'm getting a lawyer and you should, too. This bank has already been in trouble for wrongly insuring loans as FHA- they were fined. This is organization of opportunists and bullies looking to exploit their consumers for profit.

National City Bank of Cleveland is run by white collar criminals who steal from customers any way they can. I never had an account with them but my daughter jus now experienced the same thing folks on here are talking about.
I recommend to every one, put out the word to any one that listens, post where ever you can about it on the internet and yes write your Congress Person and U.S. Senator and dont stop. Lets put those thief's out of business and set an example that we will not get ripped off without consequences to those thief's.

i had just under 2 grand in my checking account on 9/30 deposited a pay check on 10/1 bringing to just under 2900. had house payment and another purchase come out same day totalingapprox 550. then on 10/5 overdraft made a deposit into my account when i had plenty of money in there. unknowing to this at the time i moved 1800 to my savings which i still had a little over 500 in my checking account. needless to say this kept going on till i had no money left in my overdraft and when i really needed it it was already used up and i ended up with 238 in overdraft fees

It was not showing the deposit of 40 nor the deposit if 83 that I had put in at all, no where, it should have been in with all of my other expenses. it was no where to be found. that’s what i meant, i did not expect to see it in my running balance. do you have any experience with national city? i have tried keeping my balance in the record book, they even gave me this great big one, i still got screwed in the end, and i left because i didn’t have time to deal with their bs i had to go to work that would be why i am going back in today and as of right now 5 am i have another over draft fee and there is nothing to show in the posted nor the pending for it to even over draw. If i was the only person going through this crap i don’t think over hundreds of people would be posting blogs like this on numerous web sites. How can it go from showing 1 item in pending to it being completely gone and what i had paid towards the overdraft just gone, into thin air? its there then its gone then it appears again a few hours later.

No one overdraws their acts on purpose. My moms act goes in the red all the time when she gets gas because a certain gas station holds double the amount until it is paid but she never gets charged for it, she also uses a different bank.

Samantha -

Are you kidding me? Really. Can you be any more dumb? The reason the amounts were changing on the internet banking was because they were updating your account. The reason why they do not show a $123.00 balance is because it went towards the overdraft - to bring it past zero a few odd cents.

Your account was in overdraft - you know why. Stop being so coy. Otherwise you would have not so easily paid the charges.

That goes for all of you. Stop overdrafting your accounts and you will not get charged fees.

I am irate with this bank. As of 2/14/09 I had a balance of 28.00 and a pending charge of 8.00 which had already been removed. I go in this morning to deposit a check and they inform me my act if over drawn $122 and some odd cents. I asked to speak with someone so they could let me know where I went wrong and i was told a firm "NO" we do not assist with overdrafts unless it is bank error. so i just paid it and left. I have been reading online all night about this bank and their scams. I just logged onto my act to see i had another pending fee of 4.56 and my bal was -39.89 This makes no sense to me. I log on again to try and figure things out myself and now my act says i have 0.71 and the 123.00 i deposited today was no longer in there, like i had never paid it. They gave me 2 overdraft fees in 1 day and it says i over drew my act 5 times that day and the next day i "overdrew" it 2 times and they only charged me 1 fee. non the less i ended up with 123.00 in overdraft fees. I am not only confused but extremely mad. i went to one of the local branches for my first deposit and they said since i had not had an overdraft fee this year they might wave it for me but i had to go to the branch where i opened the act. i rushed over there for the lady to be so rude to me it almost put me in tears. This same lady was been extremely ignorant to my sister telling her she does not deserve to own an act when she got her first and only overdraft fee in the 6 years she has been banking with them. I am going into the bank in the morning and closing my act. NOTHNG BUT SCAMMERS!

We deposited a check on Friday and had 4 overdraft fees on Tuesday for 34.00 each! I've sent 2 emails to customer service and my husband went into the local branch and was told that they wouldn't take the charges off!
This bank is AWFUL about overdraft charges!
My husband's check is direct deposited every week and still 2 days after the deposit went in they added overdraft charges.
We are definitely switching banks!

Bruce --
I know how it feels. But you can't just NOT pay CitiBank, or any other legitimate bill, without serious consequences. Especially now when we are in the worst financial crisis our country has been through in almost 80 years.

If I were in your shoes, I would try to find a debt relief agency that will help me make payments to Citibank, and other creditors so I don't have further credit problems. It's tough, but you can't cut your nose off to spite your face, when dealing with credit issues.

Be a man, take a deep breath, and take care of things!

i want to be funding be funding and have account with either mastercard or anyone

I have received exactly the same treatment. I have spent the last week trying to speak to somebody and have bene told a pack of lies by numerous Citibank staff. I am not sure if they are natural liars or incompetent. I am clsoing my account.

Worst ever customer service and humiliation I had with CITI BANK -DUBAI

I am a CITI BANK Dubai Visa and Master Card Holder since last 10 year and always make regular monthly payments toward my Visa and Master Card payments.
Since I am a bank officer in local bank in UAE I always remit funds through SWIFT MT 103 and it happened very often they pass wrong entries and credit both the installments of visa and master card payments in one account then call rudely to pay monthly installment again as they can not reverse their wrong entries due to system problem.
Once I delayed payment till end of month and upon received of call from CITI Bank Dubai told them you may charge me for late payment and the called in harsh tome replied " we do not need your late payment charges" then sent SMS on my mobile that they repeatedly requested me for minimum payment which I failed to do and as a result they are blocking my card.
I got Renewed Visa Gold card and did not activate the same due to their insulting behavior and unprofessional way of dealing like policeman with thief.
Last month October 2008, I sent my monthly card payment for both Visa and Master Cards and in November received phone call that I did not deposit minimum payment for my visa Gold Card.
When I referred my electronic payment which I already made, it was revealed that they deposited visa card payment also in my Master Card account.
Again they refused to reverse their entry and rectify the error instead threatened me to deposit additional amount for Visa Card payment.
That is harassment and the worst abuse to force customer to be suffered for bank's mistake. Then suddenly I got SMS on my cel [protected] from CITI bank Dubai cel [protected] stating the same lies that despite their repeated requests ( I received just one phone call) I failed to pay the minimum monthly installment and if I do not pay by the same evening till 06.p.m they will take action against me .
I feel so insulted and humiliated and now the reason for CITI Bank's loss which is resulting to retrenchment could be understood easily.
I will never look to CITI BANK in my life for any sort of Banking and advise the same to others.

Dear Sir,

I have used my debit cum ATM card for the purchasing of new tyres . As per statement received from citi bank for the month of Oct 2008, Two times transaction done for one time purchasing .

I have signed only one bill against the transaction.

So kindly nalify the one tranction and credit the said amount of Rs. 2000 in my account.

Shop Name : STANDARD TYRES &BATTE, GURGAON
Transaction Ref. No. [protected], [protected] ( Both transaction)
Date : 25th October 2008
Card No. 5081********3905
Card Holder ; Shalabh kaushik, 1732-B, Sec-10A, Gurgaon, Haryana, pin 122001
Email : shalabh5746@yahoo.co.in
Mobile : [protected]

Waiting for the fast reply.

Regards

Shalabh kaushik

I opened up a Checking account and was given a debit card as a minor. This isn't very ethical because minors tend to be less responsible, and have low incomes. So of course, I ended up overdrafting my account, apparently, instead of declining my card at the point of sale. The bank will charge 36 dollars for any amount overdrawn!

Well one vacation, after I had graduated, and I had 1000 from an open house for school. I deposited money in the bank so that I could use it to buy gas among other things. Since the bank decided that chronology is not important, I was overdrawn by hundreds of dollars. Not only could I not access the ATM because the bank randomly changed my PIN number while I was on vacation to get cash, but they had to take 100s of dollars of a kid's school money.

I called to see how much it would cost to just have my savings transferred over (assuming it'd be around 4 to 6 dollars), but no, it's 15 dollars per incident.

I decided this was ridiculous and switched to CASE Credit Union where the same savings to checking transfer service costs a mere $2. CASE also has the ethical policy of no debit cards to minors.

This bank is nothing but sleeze.

I had a two person account, that the bank screwed up all the way from the beginning . I opened the account and added my mom, the bank rep decided to head my mother on the account was going change it but it seemed to be a problem so I left it the same to keep from going through the hassle. To weeks ago my account was in the negative, I came to fix the negativity the young lady seemed like she understood and proceeded to correct the problem. I explained to her that I moved my mothers account to another bank and that she is no longer on the account with me. I told her that my mom has a savings where they take out $100.00 a month, so if I tell you that she is know longer on the account and to clear everything up so i want get charged again what does that tell you! she assured me that every thing was taken care of, I paid with a debit card from another bank to clear the negativity. Now its 2 weeks later and my account is back in the negativity again. I went back to the bank again asked for the same bank person. I was very annoyed with her and didn't want to speak to her and asked for a manager. He immediately took her side, by now I was furious. Bank rep knew that there was a pre -authorized money that came out my mothers account each month but each month day after day they were charging me fees. This bank is a RIP OFF! Today I closed both accounts 9/04/08 checking and my mom savings and I'm going to warn every one to stay clear or this incompetent bank and its ignorant managers and employees. I was so upset with this uncaring bank I shouted on the way out I hate this bank I'm sorry I allowed my self to stoop so low to say that. I had to make another trip back to the bank I humiliated my self in front of everyone I made my apologizes and left. I wanted to make sure I told both sides of the story in case they wanted to add more to my behavior because of their ignorance. Seems like a ten year old would have asked mam would you like to have this pre authorized & 100.00 off so that you won't get charged. This bank does not look out for its customers. We are the reason you have a job. If you bank at this bank you can rest assure that the customer is never right. Good riddens to bad rubbish!

Well, personally I have not had any problems with this bank so far, 1 month running. It seems to me that ya'll don't know how to keep track of your check book...if you did that then you wouldn't have to check your online account. Regardless of what my online account says, I just go by what my check book says, that way I don't go over the amount of money that I have.

I'm having this problem now with this bank. I often check to see if items are posted or pending. When item are pending, I can go over my account by 2.00, and then magically the posted items becomes pending and a billion fee's are attacted to the account and they refuse to waive any, and all from a 2.00 charge! I never received good service from this bank. They are not customer service drivin and they are a complete fraud, I've been trying to close this account for the longest and it seem impossible!

First of all, banks CANNOT change your pin number without your consent. Secondly, you are responsible for what you spend. You will probably blame someone ten years from now when you are having account problems with another bank. You also have to make sure that your money has been posted to your account BEFORE you spend it. There are signs everywhere that tell you that and it even says that on your deposit tickets. Again, people need to take responsibility for their own actions and stop blaming others.

My experience has been that their running balance cannot be trusted! It changes hourly. I was told by at least 8 employees that it was because the merchant did not submit within 72 hours, so money was taken out of and put back into my account. When presented with written proof that that was not so, suddenly it was "where did you get 72 hours?" We have never heard of that -- and then the great stare-down.

I hear this bank is going under. Apparently some employees hope to hang in there when they are taken over and find no problem in taking as much of your money as possible, making you look like a fool and out and out lying!

Terrible bank, terrible, prevaricating individuals!

Goodness! This is so horribly true! I've only had my account open with National City for BARELY ONE MONTH and already they are pulling these shenanigans!

So I called the CSRs for NCB to see if they could tell me my real balance. Nope. It was exactly as wrong as the online one! "The online banking is just a tool to assist you. Check your register. It works for me."

WHAT?!

Why do they make debits that they KNOW exist go away? Why do they increase your balance and not show the item as pending until it clears?

What is the purpose of this?! I am going to have to close my account because of this deceitful practice. There are millions of better banks with a hundred times better online banking tools that do not try to cheat customers by that niggling, "Check your register, we're not responsible" trick.

Please, explain to me how false posting on and off in the online banking tools HELP customers check their register? If you cannot count on it to be accurate, how can we check our own accuracy?

Deeply disappointed and wholeheartedly agree with this poster's sentiments. I'm closing my account tomorrow.

i hereby informed that i have not received the citi bank creditcard monthly statement. till now i received so i have checking on mails . i requesting sent through post.

Citibank is a great bank. If you would pay the bill on time, I'm sure they would unblock it. You with the medical emergency, why wouldn't your insurance pay for your procedure. Sounds like you need a job at Citibank, they have great benefits. Lol! I'm surprised you have a high paying job at Nestle, your grammar is horrible. You need to take a writing class.

pls elp me with a credit card as i had applied on line but did not rec & being a good customer with citi pls respond to this quo.Lucille Siddiqui

I had an medical emergency and needed a credit card so i thought Citibank would be the most reliable one. But to my astonishment they are teh most careless bank. I filled the required form with the help of a Citibank agent and attached all the asked documents with some extra to support the speedy processing. I was promised that in 2 -3 weeks time i would be provided with a card. My salary -is way beyond the annual asked for and i work as a manager in the largest food company in the world (Nestle). I waited for 6 weeks no card... then i called the agent who facilitated my card process.he informed me my request for credit card was rejected on the basis of my company did not verify for me.I was amazed so i crossed checked with my company and found no one has verified here. After another week i get these 2 regret letters from citibank addressed to a sub branch of Nestle in singapore far from my office, whereas i had specifically mentioned the complete office address infront of the agent in the form, still citibank called the wrong office due to there negligence and must have asked for me... where i don't work and sent the regret letter to the same address from where i retrieved it today after almost 6weeks of applying... its a serious negligence on the part of citibank and in am very avoid with them as i wanted to trust them in the time of need. Its really sad... i tried to log on complaint in the citibank website but to my surprise again there is no customer feedback section or complaint format to do it on the website...

my citi bank credit is block i requist to him but there is no any reply by bank so please help me

I am a member of CB since 2008 and was in good credit standing. 5 months ago i also applied for citibank rustans just to get a longchamp bag. i patronized this card since they are very accommodating and in return i even refer friends and relatives to have one. in my 5 existing credit cards i frequently used CB. But this month, i received my billing statement late (as usual) and 2500 membership was billed and i requested to waive since i am a loyal customer and always in good credit standing. But the account rep informed me that there no ways to waived MF. so disappointed with them that i am terminating all my cards with them and will not refer to my friends and familes even to my clients.

Katherine Camisin

I would like to follow-up my application for credit card. I already received letter from Citicorp Financial Services & Insurance Brokerage Phils., Inc. informing that i have been enrolled in CREDITSHIELD Plus.
Up to now i have not received any feedback on the status of my application.

Thanks & anticipating immediate response,
Eduardo G Martinez
Del Monte Phil. Inc
Manolo Fortich, Bukidnon 8705
martzed_61@yahoo.com

not much of a complaint, .. i would like to clarrify if you have an agent named mark with phone number 9172659. He phone-interviewed me just awhile ago, .. And when i called him back no one is responding in the said number appreciate your feedback, .. thanks!

Right now when you approach to open any bank account anywhere in the World you have to be prepared . when You walk into a bank or worse if you ever try to open an account over the mail they will treat you as a Suspect of terrorism, drug dealing, money laundering or worse Be prepared to be grilled like your are in youe nearest Police Precint for comitting some crime. be prepared to produce incredible amounts of information. Banking and Commercial references, utility bills, proof of income, two types of ID, Tax identification Number, Proof of Souce of Funds, tec, etc, to open an Account in a Foreign Country you are visiting and even your own Country