Citibank
Reviews and Complaints

In mid-July 2008, Citibank arbitrarily wiped out all 194, 000 air miles I had accrued over a 10-year period. I was offered nothing in lieu of the miles, nothing. One day I had them, the next day I didn't.

I owed the company nothing at the time, and I have been diligent in paying them everytime, on time.

Who would think that Citibank would steal the air miles I accrued while spending all that money using their card? This is the kind of sorry business practice that I hope brings ruin to Citibank. I won't do business with them in the future.

It's another example of how corporate America has broken faith with working Americans. They want to give you one of their high-interest cards, they want you to pay an annual fee, then they steal the miles you supposedly got for doing business using them or get so deep in debt you're in trouble.

My suggestion is to drop them now, before they put you into bankruptcy or steal your miles.

Ripped Off in Buda

The Citibank experience is not worth it, believe me! My mother saw a promotion from Citibank that offered a $150 Gift Card for opening accounts at Citibank. For us, this promotion was just horrible and a stressful experience! When a company makes you go through hoops just to qualify for a promotion it is simply not worth all the stress! What happened was my mother is at the point in her life that she doesn’t feel comfortable driving anymore, so, I offered to take her to Citibank, so she could qualify for the $150 gift card promotion, but, I didn’t realize that it was the last day for her to qualify for the gift-card. When I found out I left work early so I could pick her up and drive her to the nearest Citibank branch. By the time I picked her up and she was in the car there was just enough time to get her to the local Citibank branch just before closing. To assure we would be on time, I asked my mother to use my cell phone to call the local Citibank branch and verify that we have the correct street address and ask for some basic directions to the branch location. When she called Citibank, it was ridiculous! She was put through a huge barrage of computerized voice menus and sub-menus, that said “press or say, #1-0” etc. for this, that, or the other. She eventually finds her way through a labyrinth of menus and eventually presses the right combination of buttons and eventually gets a live person on the phone, but then, it seems that she’s having difficulty communicating with the connected Citibank representative, I thought it was because of the car, or the noise of driving, so I pulled off the road so she could hold a conversation. Then she utters “this is someone from India” and I could tell my mother was having a lot of difficulty understanding the foreign Citibank representative. Oh My God, this is absurd; I was thinking, it seems this person is not going to be of any help to us at all! The representative was defiantly not local, not by a long shot! Can you imagine, you’re on the road with only about half an hour to get to your local Citibank branch before it closes on the last day to take advantage of a promotion and so you attempt to call just to get your bearings and your call is then routed to someone who isn’t even in the same country, or even the same continent for that matter! Furthermore, if I worked for Citibank and someone from India called me in the United States just to ask me a question about their local Citibank branch in India, I wouldn’t blame them if they where upset also, especially if I couldn’t help them, or they couldn’t understand me. Anyway, I just thought mom could call the local branch and ask someone for simple directions and verify the street address, was I wrong! We didn’t get any useful help from the foreign Citibank representative on the phone, so, by the time we got to the Citibank branch it had just closed by about a couple of minutes or so. I felt so bad so bad for mom I offered to give her the $150 out of pocket, but she refused, because she’s always encouraging me to save my money. This whole miserable experience was so upsetting due to the outsourced customer service from Citibank I told her that I would be willing to pick her up next week and drive her to a local branch and she could close any accounts she had with Citibank, hopefully she can find a bank that will let her talk to a person from her local branch..

Dan,
California U.S.A.

Sometime June this year, I opened a payroll savings account with Citibank Philippines. I was issued an ATM card at the very same day. I was quite happy that I got the card right away. My hapiness turned into a nightmare. The ATM card issued to me was DEFECTIVE. I was in the middle of emergency when I needed to withdraw the 1st time from my Citibank ATM card. I did some shopping and was left around 40 Pesos or almost $1 (in convertion) in my pocket that day. Not enough money to buy me even a litre of gasoline, I tried to withdraw. There started the nightmare. I was just so fortunate that the gas of my car sufficed and I was able to get home. I started calling the bank and ended up requesting to have a card replacement. If you are wondering why I did not just go to CItibank and request for a card replacement from there to expedite the process, I can't. This is because I work on a night shift from Mon-Fri. We all know that banks are close on weekends. I can't sacrifice Monday morning since I have other responsibilities I have to fulfill and I am a single parent. So, since card replacement through delivery is available, I took the option. I was promised that the card will be delivered within 5-7 business days. It went on and on and today is the Nth business day and the card hasn't been delivered yet. I called CItibank's customer service almost everyday last week and everyday had been a disappointment for me. I was given false hopes and I had no choice but to bite into the bacon. People from home also had to sacrifice their time. I had to ask someone to stay and wait for the courier. These people have something to do on their own and elsewhere to go but they can't. Citibank Philippines is a bigtime ROBBER. I feel that I am being held up. It is "MY MONEY" that I can't withdraw. Today, I won't give in to hoping anymore. That's why I am starting to make my move even to as little as airing my situation, burden, disappointment and very bad experience through the internet. So, People in and from the Philippines who are planning to open an ATM/Savings account in CITIBANK Philippines, Please think twice. There are a whole lot of other Banks that you could choose from. I have been happy with the other Banks where I also have savings account. Please, let's Boycott Citibank. Thank you.

Citibank has lost my ATM deposits on three separate occasions this year. I find it amazing. When I called customer service to alert them of the discrepancy I was told "maybe you should stop using that branch". Maybe you want to do something about that branch. First they credited the missing money to my account but the next day they took it away of course this caused my overdraft to go into effect. Not only that they added 2 overdraft fees to my account and refused to remove them until their investigation was over. When I asked Citi if they could think of a reason for me to stay I was told "I will not be held liable for such a statement". After the plethora of bad customer service and 3 lost check experiences I closed my account. I will never deal with them again.

National City Banking: Unfair and Deceptive Copy to OCC

I am writing this letter to inform you of my findings and to allege that NATIONAL CITY BANK is currently engaged in carrying out unfair and deceptive trade practices

I understand that the Federal Trade Commission Act prohibits the unfair and deceptive trade practices. The bank regulatory agencies have authority under this act to take action to stop or prevent trade unfair or deceptive practices by financial institutions.

For several years, the bank regulatory agencies have been issuing warnings about unfair and deceptive trade practices and now I have become personally involved in what I consider to be a blatant attack on both my wife and I by National City Bank in Louisville, KY. This institution has both misrepresented information and has blatantly mislead us.

I have always deposited my check in National City Bank without incidence. If my check went in I could always count it clearing on Monday night. However my check went in and it was held until Tuesday night (for no reason) even though our receipt states on it that the funds would be available the next business day.

My wife read on the receipt that “the funds will be available the next business day, thus she was confident that Monday night all would clear and all would be well. Nothing stated that it would be held until Tuesday night and we were sure of it because the receipt clearly stated and assured her that if it were held by the bank that it would be stated above their was nothing stated above. Now we are heavily grieved because we were and are in the black except for the huge amount of fees which will total over $300.00 and has put our account seriously in the red. This has consumed almost our entire paycheck . EXCEPT FOR THESE unjustified LATE FEES WE were still IN THE BLACK.

This money was our gas money, and our car payment.

We are the consumer, and if we get a receipt that says it will post the next business day then that is what we are led to believe. That is what the bank receipt said. We should be able to put our trust into what the bank says.
Thke receipt said the next business day was 06/16/06 and it said the funds would be available on the next business day. THIS BANK IS OUT TO INTENTIONALLY DECIEVE PEOPLE.

When I called National City and told them they had made a mistake I was told I should have read the fine print in the original contract that they hold checks all except $100.00 The mail out we received never gave any indication that checks would be held. But rather that checks would only be held if they were over $3000.00

As a consumer I "should not have to become a detective to read every square inch of fine print to find out the true terms and conditions of my checking account.

I truly feel my wife and I have been deceived, tricked, lied to and stolen from by National City Bank.

My online readout ( of which I have a hard copy) shows I have been in the black up to the time they took the late fees out. And if the money would have posted when the receipt said it would their would be no problem.

If they were going to hold our check until Early Wednsday morning it should have stated it but it said NEXT BUSINESS DAY. If it said on the receipt “funds available next business day” what would you have assumed?

My wife and I feel violated. We had enough money in the account to cover the check WHY DID THEY HOLD IT? My computer readout which I have a copy said it went in on the 16th I have a hard copy however the banks copy is mysteriously different.

The bank that refuses to release the money to us Is the Jeffesontown KY branch (Our Branch)and the branch at 2503 Hurstbourne Parkway where we made the deposit.

Why are they doing this to us? we did nothing wrong.

I have my car all made up and driving around town it says “Honk if you hate national city bank” and National City Bank Ripped me off. You would be amazed how many people in this town hate National City Bank and have told me they have been ripped off by them also. I will continue driving it around and I have already been personally responsible for having four accounts closed with them and this is just the first day.

Would you please pray with us that God himself will turn against National City Bank and bankrupt it. And tell all Christians to pray. We have a lot of Christians praying now. I have been sharing my story with everyone I meet and now my car can really tell the story. I feel a full scale investigation is paramount, I don’t want to see anybody else have go through what we are having to endure, and I know they are hurting people.

Sincerely,

Lawrence J. Hasenour
Louisville, KY

I took over my 83 yr old mother's affairs & discovered she had been paying on a Sears credit card that belonged solely to my deceased step-father. I sent numerous letters & placed many calls to no avail. I went as high as the Office of the President. Finally today I got a call back & they said they cannot refund any payments. She had also been paying Chase but they refunded her $4k+. They were only able to go back 6 yrs & were apologetic about it. You would think Citibank, being in the same business & exceptionally large co., would/could do the same thing but they said no way. To anyone out there listening, I would highly recommend using Chase over Citibank. At least they were compassionate about helping a "little old lady" who wasn't business savvy in the ways of the world.

I was solicited for a Citibank American Airlines credit card with an annual fee with an incentive of a Companion Travel Certificate and a $50 off Travel Certificate. Both certificates were delivered but when you try to use the Companion Certificate (fulfilling all guidelines listed) the computer prompts with words to the effect that 'this certificate cannot be used in this case'. The certificates can be used only via internet and there is no support phone number given or available, according to Citibank Customer Service.

American Airlines Customer Service personnel cannot assist without 'a different code on the certificate allowing them to offer phone assistance.' They want a code with a 'star file' in order to assist with any reservation. Citibank customer service had no idea what I was talking about when I tried to explain that I needed assistance to use the certificates issued. Or when they did seem to understand what Certificate I was talking about I was told that the department that handles those cannot be contacted by them, has no phone number and they couldn't assist with the problem.

It was very frustrating trying to use the worthless certificate for a trip promised to my son after his 9th surgery. I finally gave up and booked a trip on other airlines at financial hardship and will cancel the credit card prior to the annual fee cycle coming up.

This to me is 'false advertising' and definitely a Ripoff.

I recently learned that National City was Millions of dollars in debt and now these overdraft fees are making more sense. And ***, they really kick you when your down. I have never had a 36 dollar fee forgiven, even though some were banking errors. If anyone wants to get a group together with proof of unethical banking, I’m all for a class action! I have a lot of print outs to argue the case as I’m sure many of you do. Anyway, the representatives on the phone are extremely rude, I asked to talk to a manager this morning and the guy hung up on me.

I was informed by Diners Club that the Diners Award points that I had accumulated over the last 8 years have been forfeited when my company closed my corporate diners club card (Citi Bank). I had joined the awards program on my own and was paying $75/yr since 2000 and had accumulated about 180, 000 points. Diners is saying that they had no responsibility to inform/warn me of the pending forfeiture and that this was my company's responsibility. I disagree in that I joined the awards program on my own and my company had nothing to do with the award program. At the very least, Citi/Diners had a responsibility to notify me of the pending loss of points. I last payed my Diners award membership fee for the year back in October of 2007 which was for the entire year. This is a very poor way to treat customers/people. I have nowhere to turn to as they are refusing to do anything about this saying that I should have read the fine print when I joined the awards club.

I was scammed by Cambridge Who's Who and shortly thereafter I did some research and confirmed it. I called Citibank immediately to cancel the charge and dispute it. They gave me a conditional credit for this charge. Two months later, the charge has been reversed in favor of the scammer company despite my attempts to contact them with no response regarding this charge. Citibank does not offer any buyer protection at all and I'm canceling this card after I get the final statement! They can kiss my business goodbye!

My husband and I had a $60.000 line of credit with National City. Our home is paid off and worth approximately $175, 000. We currently owe about $6, 500 on this line of credit, have prepaid thousands of dollars ahead of schedule and are very conservative consumers with little additional debt. My husband forgot to make the May payment - we were 13 days late and National City cancelled the line of credit with a very nasty letter. My husband tried to call them (he is a relatively mild personality) - the first woman hung up on him. He called a second time and was told "Tough - you are delinquent". When he explained that he prepaid the loan and was actually ahead of scheduled payoff by thousands of dollars he was told that he did that for his benefit, not theirs.

We are not just customers of National City Bank, we are also shareholders. I can guarantee you that we will be neither in the near future. This company sucks and I hope they go bankrupt. What a stupid way to run a business.

I am concerned citizen reporting a ring of fraud happening. Dante Richburg who resides at 11360 S Ada has been participating in identy theft and having cards sent to 328 W 106 pl Chicago, IL60628. I happened to stumble upon a card he dropped and was concerned because he is not the owner and brags about stealing peoples idenity. I feel obligated to report this because I never want someone to steal something I worked so hard to establish. The card I found is issued to Shaunee Baisten the number is [protected]. Hope this help you in finding these criminals. Also I found that he had also dropped his Id and social security card the # is [protected]

I am finally closing a HELOC with National City, they are the worst company I have ever dealt with. During closing when I sold the house with financing from them, they would not disclose the payoff amount to the title company. They would also not disclose the payoff to me over the phone claiming it was illegal, which is not true I even asked the agent to tell me the statue and of course she couldn't. They also required additional documentation from me to prove that the account was for a property that they hold a lien on, are you kidding me? Talk about incompetence! I should have refinanced the loan when I moved because they would not change that billing address because I could not prove that I had moved out of the house.

Hi team,

i am sudhin from indiranagar..today my friend got a call from citibank personal loan dept(indiranagar) from an exe bharath who informed my friend that they are giving loan with 0% interest. he was surprised and did check again with exe. the exe reconfirmed saying it is 0% interest. so my friend gave his details and referred my name and number to the exe. after 10mins i received a call from saravana another exe who called and conveyed the same. he took my details(personal, bank & professional) and told me i am eligible for loan up to 3lacs and my rate of interest would be 18%. i did ask him then why did you tell that it is 0%. the exe immediately transferred my call to his supervisor pooja. she took over the call and started the conversation with me. when i told her that the exe did give me a different picture she replied saying “sir the exe would have given a wrong picture to attract customers”. this would clearly state that the bank is aware of the conning what the exe do to get leads. i am not sure how many customers are in the same trap by the same agents. i would appreciate if someone can take necessary action on this and stop conning customers.

Thanks in advance
Sudhin

My 23 year old son & I have checking accounts with National City. Since my son is in the Army, we linked the accounts so we can transfer money back & forth. On the night of Monday, April 14, 2008 at 11:23 p.m. I transferred some money from my son's account to my account. Immediately afterwards I paid a bill in the exact amount. The next day I was hit with TEN overdraft charges! NCB says it's because the bill payment (the debit) was immediately charged against my account, while (according to bank policy) the transfer (credit/deposit) didn't get applied to my account until 8 a.m. the next day since it had occurred after 8 p.m. When I confronted NCB officials, they said the credited amount was "unavailable" despite the fact it had been removed from my son's account at 11:23 p.m. They can't tell me where that money was for 8 1/2 hours (I know where it was: in the overnight "sweep", making money for THEM, while they charged ME for not having it in my account!) NCB refuses to refund the OD charges, stating "it wasn't a bank error". It may not have been a bank error, but it sure is unethical.

Hi,

I have an account with Citi Bank and am a customer of Citi Bank from more than an year. My (the then) employer Thomson allows me to have a salary account only with Citi Bank, Hyderabad Branch (read to know why). I am fine with that.

Whenever I call Citibank India I receive a very good response over phone but issue resolving quality is a bit poor.

I resigned Thomson and left to Canada due to aome unavoidable reasons and back home in the month of March. During my stay in Canada I was paying all my bills (credit cards, phone bills and other loans) online using online transfer facility with the banks I have accounts in.

I was expecting final settlement amount from Thomson and I noticed few bucks being credited in my Citi Bank account and these are credited by Thomson. Because the amount credited was much less than what I was expecting, I queried Thomson by sending an email to the HR department saying that I have received F & F (Full and Final) money from them and I requested a break-down of my F & F and have not received any reply from them.

When I logged on to my Citi Bank account to pay a couple of debts through online transfer, I noticed that my Citi Bank has zero balance and all the money I had was deducted by Citi Bank. Comments for the transaction are "Reversal of Salary amount which is credited erronously". I was greatly dissappointed as they have not sent me any communication regarding the adjustment and I was left with no funds during the last dates of the debts payment notice. End result being I had to take an another loan from a non registered money lender paying huge interest rate for the payment of bills which are on the neck.

I sent an email to Citi Bank asking what's the reason behind not informing me before or after deducting my account? I would have made necessory adjustments for the payment of my credit card and other bills. They replied my mail saying this was an erronous credit of Salary and they made an adjustment entry (where as, my request was regarding not informing me before or afterdeducting my account). I also received a lot or vague answers from them.

I am not bothered about money being debited from my account. My concern was they would have infromed me before or atleast after they passed this irresponsible adjustment, which is just and adjustment for them.

Upon my series of email I received a scanned copy of a Thomson letterhead where they requested them to deduct my account for the amount which is credited for salary by mistake. My reply was "did Thomson requested you to not to inform me before or after deducting my account? And if these kind of (so called) transactions can happen on a third party's (Thomson's) request then I have a couple of friends who owe me and have Citi Bank account. Will they deduct their account and credit mine if I provide necessory document proofs and back-ups to them, and that too without keeping them posted?" Reply was "no". Then why they did this with me?

Is this the advantage of having a Citi Bank Suvidha (Salary) account?

If you too have a Citi Bank Suvidha Account, please be prepared for these kind of shocks and customer care replies.

Have a pleasant day.

Syed Anwar.

Hi, I am Vimal Jain from Visakhapatnam, have been using Citibank credit card since the past 2 years, recently i had received ING VYSYA bank credit card, and bank has offered me Citibusiness instead of my JetCiti Gold card, both cards have a limit of Rs.1, 50, 000 & 75, 000 each. i want to bring to your notice that on 6/10/2007 at 16.22 hrs I received a call from Citibank (ph number [protected]) a person named Satish claiming he is from Citibank said there is an offer on my card for upgrading of card limit for today i.e on 06/10/2007. for which he wanted my address, date of birth and mothers maiden name were required for confirmation. After giving him the details, he said it would be done in 24-48 hours and i would be getting a message and call from bank on for the confirmation. I called the bank the next day i.e on 7/10/2007 to check on weather i was offered for any limit upgradation, bank said there was no such offer on my card. On suspection, I asked the bank person to block my card to avoid further misuse (it was not). Yesterday, i.e on 9/10/2007 I called the bank to check the status of my card but the bank person has refused to give any details saying details which i have given is not matched what was available with them. I did not understand what went wrong, on having argument with the person he said he would help me but will not disclose what and where the transaction have taken place, he has given me only amounts and dates. Later, the bank person said my card has a balance credit of Rs 236 remaining and the rest has been used up. I was shocked on hearing this, he informed me there have been a transaction with Air Deccan on 7/10/2007 and on 8/10/2007 there are several more transactions for mobile recharge for multiple amounts of Rs 1, 111/3, 300/1, 500/ and so on on both my cards. Thereafter, I instructed the person to send me the details, he replied that it will dispatch the same would be send via mail. on confirming my mail id, it was found that mail id was tampered . That’s when the bank said they would ship the hard copy to my address. On confirming the address, it was found changed, ditto with the mobile number. NOW THIS IS SERIOUS TROUBLE, the ING card was never used, how could transactions be done on it ? And if there are multiple transactions on a single day, what was the bank doing? Is it not the responsibility of the bank to check with the card holder? If any person calls for change of address, or any details is it not the responsibility of the bank to check and verify with the old number?

Now there is a suspicion, that the information was leaked and carried out from Citibank or an employee of the bank, otherwise how and who will have access to my card a person says he has card number he only required my date of birth and other details. On checking when the details were last updated, the bank person said the latest updates where on 7/10/2007. That’s the date from which my Telephone PIN, Internet PIN stopped working. coz earlier i have used the T-PIN and I-Pin to access my details.

Today i.e on 10/10/2007, I tried calling the bank’s Call Centre; they refused to answer my query as details available with them weren’t matching their records and they couldn’t reveal the data I requested. Instead, they said the conversation has been recorded. Then, I asked them to check the voice data on the date the details were altered. They began telling me that -" I need to cooperate but they will not cooperate, and i do not require to tell them what they are supposed to do " .

I was informed that Jet Citi business card has already been dispatched and should be reaching the updated address soon. I requested them to do something to stop it.

the shocking thing is if the banks says the address was changed on 7/10/2007, then how can they deliver new card on my old address which has a date of shipping on 9/10/2007, which was suspected to be deliver at wrong address.

I am certain this is a case of Identity Theft which has happened from bank, a bank employee is most likely involved.

I seek your help as the bank is not responding or cooperating in a proper way. Please advise me on what I must do now and if something can be done at your end.

Important details –

COMPLAINT logged with CITIBANK REF- REQUEST no.[protected]/ [protected]/ [protected]

Card no: [protected] - Jetairways Citi Gold Card
[protected]- ING VYSYA BANK CARD.
[protected]-Jetairways Citibusiness Gold Card.
I have last send you mail on 10/10/2007 and since then I am following with your call centre but I am not getting any response, I want this to be solved at the earliest, else I will have to take some other action on Customer IDENTITY theft charges on your bank. As I know that your person is involved in this activity.

My rent check to my landlord, which I've been paying through online bill pay for nearly 2 years, got sent, somehow, to Bank of America. Bank of America, who I had a credit card account with, took the check, looked up my name I guess, and cashed the check - even though it was payable to my Landlord. Now you'd think if someone personally handled the check, which they would have had to, would have noticed the mistake and returned the check. Nope it got cashed by them and credited to my credit card payment. Citibank treated me like crap, gave me the run around, and never resolved the problem with a reasonable answer as to how my rent check got into he hands of Bank of America. Furthermore, I want to know why, when Bank of America got it, they didn't return it since it was not made out to them. After months of pursuing this Bank of America finally issued me a refund, but they CHARGED ME as cash advance fee for the refund. They also charged me an "over my credit limit" fee when the check was DEPOSITED (yes, deposited, not withdrawn).

There's more to this story than anyone will admit. I think someone stole the check out of my landlords mailbox and cashed it at the Bank of America bank in New Jersey, which was the mark on it. THERE WAS NO SIGNATURE on the back of the check. There is no way Bank of America would have been able to deal with that check made to my landlord and without any Bank of America account number on it.

I wrote to Citibank Corporate and got a crappy letter back, not even signed, and with no one to contact, saying that the matter was resolved. I never got anything from Bank of America.

And I'm out $1850 because I got it taken from my Citibank Checking, put into the Bank of America as a credit card payment, then refunded from Bank of America, but they CHARGED me $1850 as a cash advance for the refund check. so at this point Bank of America owes me $1850. Citibank refuses to handle it saying that they are "done" with their part and now I should pursue Bank of America.

I have "Mastercard" with Citibank that i have to you becuase my company deals with this bank... I went to he bank yesterday to put 3000$ to extend my mastercard limit andwhat happened:

1- The employee at the counter put it in a wrong way so my mastercard will be clicked once this money appear in my account
2- The mastercard is blocked originally because of late fees (i never used it before & i never activated this card since last December 16).
3- I went to "Nasr City" branck and cleared all that and they confirmed it'll be solve by yesterday night.
4- I called citiphone 4 times and each time they are giving me different information & different feedback on my card status.
5- The shift supervisor in "citiphone" her name is "Alia Soultan" she has very boo customer service skills & she doesn't know about customer satisfaction or customer basic treatment... she clearly showed no responsibility towards that and I'm rescheduling my flight because they blocked my card.

I'm very sorry that i had to deal with this bank.