Complain about a product or service

Citibank

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Julie of San Mateo CA (01/03/09)
Jan 2nd 2009 I deposited $1301 into my citi account, They put a hold on $741 of this amount without letting me know on my receipt it showed my available credit as $1019 as they had put a hold on some of the money. I went and made some purchases for $240 and went home. When I got home I checked my balance on line and saw that I had an available credit of $41 and they were holding $90 for 1 day and $651 for 4 days. That was the first that I had heard of it.

I called the customer help desk and after being on hold for 14 mins was told tough nothing that they could do about it but to call back in 1 hour which I did. Same thing again talked to a supervisor Sarah after being on hold for 23 mins and she told me the shift manager Mark would call me back. 1 hour later I tried again she very rudely told me that I had to wait for him to call me after being on hold for 15 mins. Another hour passed it is now 11pm and I tried to call again and was hung up on twice then put on hold for another 25 mins then told no one was available to talk to me. They are totally unprofessional and rude I will be closing my bank account and changing my life insurance policy to some one more reputable.

I have a check due to go out of my account for $80 which will bounce or if it gets paid then I will be charged $34 for this, plus my rent is due Jan 5th and I cannot pay it as they have a hold on my money until Jan 6th is this legal. They do this to me every time I deposit checks and have charged me in the past and are ruining my credit score with this

Victor of West Covina CA (12/18/08)
I have a 763 FICO score and they turned me down for a credit card. What are they doing with their bailout money. Maybe they are broke?

Benjamin of Spring Valley NY (12/11/08)
Citibank started to impose a daily $10 fee on November 7,2008 every time a transfer is made from an overdraft account to checking account. In addition Citibank does not give accurate information regarding how much credit is available in the overdraft account(checking plus) and I am not able to accurately tell whether checks or other items will be paid or returned. In the past Citibank has allowed overdraft to occur and simply allowed the account to go negative without charging fees(generally) Now since the condition of Citibank has worsened they have arbitrarily and capriciously started returning checks and charging $34 per item fees in addition to the $10 fee mentioned above.

I have been at risk of having to pay at least $300 in new fees since this new policy started on November 7,2008 and am also at risk of having fees imposed by other entities for returned items. I want to know if an attorney can review mjy concerns and the following issues: 1. To these changes conform to all federal and state laws,rules and regulations both in New York and throughout the country. Specifically do these new fees conform to Regulation Z,usury laws and other laws regulating consumer lending? 2. I believe other banks may also be charging similar fees=Are their practices legal? 3. Citibank stated in its notice announcing the fee change that this agreement is subject only to federal law and the laws of the state of Nevada. In their client manual they state contradictory language that states that all of Citibanks products will be governed by the law of where an account is located which is New York in my case. 3. Is Citibank in not making accurate information regarding hom much credit is available and when checks will or will not be paid engaging in any type of consumer fraud. Bottom line-is the new practices of Citibank and other banks ripe for a class action lawsuit?

Louis of Mckees Rocks PA (12/10/08)
I have three charges on my account that I do not have the services. When trying for thise to help my computer crashed. I have not used these services and should not be charged for them. I have not paid these charges with my current bill as I do not have the services.

Gt of Denville NJ (12/08/08)
why has Citibank taken over all of the credit departments for so many companies? They constantly make it difficult to pay the bill on time, they do not provide enough time from when they bill to the due date and their customer service is harrassing and rude. I used to pay my bills with a service called mycheckfree, who would automatically pay at least the min payment each month and I never had a late fee or incident. Now I don't even get bills some months and even to pay the bill online is difficult. How can we stop this destructive business?

Simarpreet of Lexington KY (12/05/08)
The incident occurred on 12/4/08 at 9:10m, the representative's name was micah with ID # as SDRT551. There was a charge of $39 on my account, for return check, although citi bank had already withdrawn money for the payment from my bank. when I called the customer service they said that this was because of not sufficient fund in my bank however, my bank had more than enough funds to cover the payment and the payment was collected from my bank. I tell them that I would like to close this account as I did not agree with the $39 and was not satisfied with the service and As I am asking the customer service representative she told that she will take the $39 charge away on the next statement cycle,

I was still unsatisfied with this service and wanted to close the account as to guard against similar future problems. When I insisted that I would like to close the account still, she threatened me by saying if you closed this account she will not take away the $39 and clearly backed off from her previous statement in which she told me that she will remove the charge. This whole thing is unjust, I was being threatened to keep a card that I did not want to my rights were violated giving me grief and I would like to make sure that this gets reported

damage to health, blood pressure, sleepless nights, and losing money

Helen of Henderson NV (12/04/08)
On 12/4/08 at approx 11.15am I approached the above named teller to cash a $150.00 check issued to me. I was not greeted, just told to approach her. I am not a customer at Citibank. 2 forms of ID was demanded - the second had to be a Visa or Mastercard. with my drivers licence and my credit card in her possesion, she took an awfully long time checking my ID. When I queried this I was told it was because I'm not a customer. She could have been stealing my id for all I know. I was then made to dip my finger in ink and put it on the check for further ID.

After all this the teller eventually SLAPPED the cash on the desk with the comment: There you are. Excuse me? No thank you? Nothing but surliness and rudeness? When I pointed this out to her she loudly told me I was rude! Is this how Citibank operates? Especially after my tax dollars have been used to bail them out and keep them in work? This teller was disgusting, thinking she is superior in some way. Perhaps she should be laid off and / or my tax portion should be returned.

I called the manager, but told she was busy on another call. I left a message for her describing the event that had just taken place, left my phone number for her, but she has not returned my call. I am happy I am not a client at Citibank!

Camelia of Los Angeles CA (12/03/08)
citi bank decreased my line of credit from 10,000 to 1,000 because i withdrew my home loan application and they took back the 7,000 credit card and stopped me from using their atm machine.

i believe that this could lower my excellent credit score and stop me from getting a home loan or at a good interest rate.please help me

Jesse of Safford AZ (12/03/08)
I have not received a bill on my home depot account since July 2008. I didn't realize this until yesterday when I received a letter from an attorney demanding payment on this account. I was not contacted one time by home depot or citi bank in the mean time via mail or phone. They had my correct contact information. I think they did this to demand payment in one lump sum with all of the problems the banks are having. a demand for lump sum payment or law suit

K of Staten Island NY (12/01/08)
I also have had many problems with Citibank and they need to be sued. a class action law suit needs to be brought by many people. We the people need to do this it is vital. Together we can fight the giant which preys on the innocent. If they are not sued they will continue this action. Call your local congressman, senators, and lawmakers. Remember if enough people will stop these banks from unfair and illegal practices you have a great chance to stop them.

Richard of Solana Beach CA (11/25/08)
I have been receiving automated calls from Citibank saying I have a problem with my account and should call 1-880-. First, I have no way of knowing that this call is from Citibank. Secondly I was asked for either my credit card number or my social security number. If Citibank is behind this they ought to be ashamed because it is a natural setup for an identity thief. I could easily secure an 800 number and do the same thing and capture many CB credit card numbers.

Two years ago my credit card record was among 30,000 Citibank records that were lost or stolen. I can't believe [their] lack of attention to potential fraud. Please inform me of the dispostion of this complaint.

Li of New York NY (11/23/08)
Around 8:30 on a Sunday morning, we received a call from a Citi rep who claimed to be from the mediation department. He said the call was regarding credit card non-payment. I told him we don't have an account with Citi, and after I asked him to verify the address, I told him the person he was trying to reach lives in a different apartment in my building.

I thought the call would end there, but no. He went on to say that I would now need to go to that apartment and let the person know that I got a call from Citi and that he needs to respond to it. I asked the rep why can't he just send that person a letter, and he said they had tried but to no avail. He said now the obligation is on me to notify that person and ask why my number was listed on Citi's record.

I tried to explain to him that I have no such obligation and no business in a neighbor's financial situation. After talking rude to me for another 2, 3 minutes, he hung up on me. I understand Citi's stock is way under water and they desperately need their money back. Calling unrelated people and trying to force them to help you out, however, is just not good business practice. I can't think of a more absurd case than this. Someone needs to teach their reps to be more professional.

Vernon of Carlsbad CA (11/19/08)
Smith Barney subsidiary of Citi Bank was assigned 15 yrs ago as trustee of my initial inheritance of one million dollars. Under their complete control the account is now down to about 811,000.00. My three daughters and I have done everything to stop the worthless stocks being purchased and the fees they have charged for doing so. Citi-Bank- Smith Barney Solomon was never chosen by us, (initially we chose Calif. Bank) but one group sells to another without our approval, now we have been stuck with poor service and all we can do is watch This group initially steal our money.

I have no control of my trust and have lost over $180,000.00 in just one account no earnings, but [banker] was paid 1,343.25 for 1 month. I earned nothing.

Vernon of Carlsbad CA (11/19/08)
Smith Barney subsidiary of Citi Bank was assigned 15 yrs ago as trustee of my initial inheritance of one million dollars. Under their complete control the account is now down to about 811,000.00. My three daughters and I have done everything to stop the worthless stocks being purchased and the fees they have charged for doing so. Citi-Bank- Smith Barney Solomon was never chosen by us, (initially we chose Calif. Bank) but one group sells to another without our approval, now we have been stuck with poor service and all we can do is watch This group initially steal our money.

In all the accounts controlled by this Co we have lost over $250.000.00 this past year alone.

Bob of Brentwood CA (11/15/08)
I had a Citibank account with savings, checking and overdrsft credit line. For years the overdraft line would kick in automatically to the checking account. This now has a new twist, if you feel to move the money yourself by the daily closing on your account Citibank will autmatically charge you a daily $10 fee for every day this occurs. What is crazy even if you have money in your saving they will still transfer money your credit line and then to add insult to injury charge you the daily $10 fee. Seems the big smart computers having handling this just fine up till now.

Many checking accounts are now accumulating fees. To avoid fees I must now checking my account on daily basis.

Abhishek of Lucknow OTHER (11/02/08)
I lost my card and some unscrupulous elements utilized my card utilizing it with forged signatures and without ID proof. Shopping was done to the tune of Rs.30000/- I had gone to the police station to file a complaint submitted my complaint to Citibank and wasted lot of my time spending with them in the investigation.

Initially the Citibank investigation department assured me of the investigations and after some time one executive of Citibank has came to me and tell me that please give me the cheque of rs.120 and FIR copy we will give you settlement and after 4 or 5 months one more executive of Citibank has came to me and tell me that please give me the cheque of rs.300 and FIR copy along with application and we will settle your all dues

however, at a later date they just forwarded me a letter thereby passing all the transactions liability onto me. In my case also while the case was pending and under investigation, they had also added my name in one of those defaulter databases and chill which I replied to them is that it is completely unacceptable. please help me.

Trisha of Quezon City OTHER (10/28/08)
They did not waive the finance charges and late charges on my card as requested. They say its a one-time waiving while I hear my other friends getting waived for their late charges. At the same time, I have been waived of my charges before. Either way, I am so dissatisfied with their service that I will cut my card.

There are other better cards in the market who can meet my needs with more flexibility and service. Soon, for sure this measly finance charge will come back to them a thousand fold.

I am dissapointed with a bank that has supposedly received a lot of consumer awards. Makes me think these awards have been paid. There are a lot of other better and more deserving banks out there.

John of Largo FL (10/22/08)
I have 2 credit cards through Citi bank, one is a sears mastercard, and the other one is a goodyear card. during the last 6 months I have recieved calls from citi bank informing me that my payment was late, the first time I thought I just misplaced the statement, and did not make the pmt, however the second time I realized that I did not get a statement. I confirmed my address with them and they have all the correct information. I have had the same postal delivery person for the last three years, and recieving mail has never been an issue.

Each time I am charged a late fee, and feel that there is something going on with them

Mary of Lake Junaluska NC (10/19/08)
Last year I signed for my daughter to purchase $3,835.15 from Ashley Furniture in Asheville, NC. I did this because she was between jobs and needed furniture for a new apartment. A payment of $69.00 a month was quoted, and she promptly signed up for Bill Pay at the NC State Employees Credit Union. She paid for approximately 5 months using Bill Pay, but she noted that payments were posted late. She asked me if she could deposit the money to my account and they would take it out of my account since the purchase is in my name. We did this, and the Credit Union did as they were instructed and took out the $69.00 every month.

Then, about 3 or 4 months later I received notice that one of my credit cards was cancelled ( which I hadn't even used in years), and my American Express was decreased because my credit report had late payments and lack of activity. (I had not used Amer. Express in a couple of years either.) The Credit Union requested an investigation into why this happened regarding the Bill Pay service.

CitiFinance received their records that they had indeed made these payments. They said they would get back to us. THEY DID NOT. My Credit Union set up a 3-way call and talked to them. They said they had received payments, but that it wasn't enough. Neither my daughter or myself ever remember getting notice of this action. I thought, after that call, that this would be settled, but they responded with more unrealistic payment expections, (based on what -I don't know). They never answered my questions, and if I call myself, some representatives are rude and don't seem to know what to do.

I also paid $105.00 extra to CitiFinancial for two months, and was told that this would catch us up. Apparently, it did not. This has affected my otherwise flawless credit report, and I need to resolve this situation.

I am senior on a fixed income, including a state pension and Social Security. I can't pay what they are asking for. My daughter is a single working woman and can't afford it either. I think my good credit history should speak for itself, but apparently CitiFinancil Retail Services are trying to get everything they can. Sadly, they won't respond to my written requests or answer my questions adequately on the phone. This is causing me considerable stress, and I don' think I deserve this! Thank you for any help you can give!

Kim of Philadelphia PA (10/17/08)
I am extremely bothered by the 'unprofessional' customer representatives of CITIBANK. Most calls to the customer representatives will most likely end up half way around the world, and consider yourself very lucky if you can actually get somebody to 'help' you.

A couple years ago, I called in at least five or six times to put a close to my CD. I have received FIVE different messages in regards to how I can put a stop (or canNOT put a stop because 'it already rolled over' even after I had put in a request MONTHS in advance) in having my CD from rolling over to the next cycle upon maturity. I was so frustrated that I bothered to write out a written complaint to the CITI, but now I realize that they probably tossed it in a garbage can with the other thousands of complaint letters.

More recently, a customer rep was extremely unprofessional and uninformative about explaining the 'grace period' for an existing loan that I had taken out. I asked to speak to the manager, and then I was put on 'hold'. I never got to speak to a manager. I am amazed at how CITI can survive with such poor customer support and I will be happy the day that I finally end my relationship with CITI. Poor business management, and low quality customer service.

Kathryn of Covington LA (10/02/08)
We opened a Citibank HELOC in March 2006. After spending many hours faxing them all we were asked to fax in order to increase our line, and still being asked to fax more, we decided to place our business elsewhere.

After AGREEING to increase our line, Citibank then lowered it in retaliation, we believe, for moving our business to another bank. Then they charged is $429 for early closure of account - by a few months. Bloodsucking leeches!

Helen of Port Jervis NY (10/01/08)
I calle don Oct 1 about a credit card finance charge. I had oid lat in august by a couple of days. Not wanting to pay any more finance charges I made sure that I paisd the next bill early. I recieved my September statement with a 21.09 finance charge even though my payment last month was four days early. I was upset, because the company told me that this statement was printed in September 24 and assured me they get mailed, in the US mail, by 12:oo midnight. I received the statement on October 1, which is eight days later.

I asked their customer service rep if she was sure aobut that and she said yes. No postmark show on the envelope, but it strikes me as odd that it would take eight days for the statement to reach me and then that leaves me with 10 days to get it in the mail, assuming it only takes three days to arrive at their offices. The company says it is not their fault5 it takes eight days to arrive in the continental US.

  I have had good luck with all my other cards. I think Citi Bank may not be getting it into the US Postal Services System until after the 24, which is why I am getting the statment so late. I intend to send my payment return receipt rquested to see if it does in fact take eight days for a letter to go from New York to South Dakota. Then I think I'll take that info and my previous statemtents to the attorney general's office in NY and see if Citi Bank is indeed not getting these statements in the mail in a timely manner. One more way that Citi Bank makes money of the consummer.

Roughly 60 in fiance charges and late fees so far.

David of Chicago IL (09/27/08)
Received questionable late fee on billing statement. Looking through my records I had written a check to Citi on Aug 30, 2008, I had written 6 other checks at this time. Mailed all checks the same day. 2 of the 7 checks posted to my account on Sep 6, 2008, 4 checks posted on Sep 8, 2008. The check sent to Citi bank did not post til Sep 16, 2008; 1 day late. I had contacted customer service on Monday Sep 22, 2008 and was told it would take 48 to reverse the charges.

As of Saturday Sep 27, 2008, the charges still have not been reversed. On Sep 27, 2008 spoke with a bank manager, she explained the service rep. had requested for a interest reversal but not a fee reversal and that she would take care of the transaction. Still waiting on result. $39.00 late fee, 28.99% increase in interest late, $53.95 balance transfer fee. Possible credit rating damage.

Mohammed of Bronx NY (09/23/08)
I deposited a Citiflex check for $20,000, into my Bank of America checking account on 7/12/08. The limit on the Citiflex account was $25,000. My bank needed to verify the check and so did, however Citibank had to verify on their part as well so they put a hold on the check. Weeks past by and my check was still pending in my bank account.

I called Bank of America they stated that it was on hold by a Citibank rep. named Jan. I called Jan and Jan had me transferred to a guy named Tony who wanted to verify my identity and so I did. Tony wanted me to fax them my Driver's License as well as the people who are living with me in my house and so I did. He also asked me if I knew some people by the names of such and such, some I knew some I didn't. After all this he tells me that it is going to be further investigated and I told him no problem. Then a couple of days later I called to check up on my account and they tell me its being closed and the reason is that they cannot verify who I am.

In the mean time Bank of America closes my bank account and they do not even have a reason why it is closed. The deposited check of $20,000 actually went through on 7/15/08. Since I was going through all this complications I called the rep. up at Bank of America and stated that I want the check to go back to Citibank because I do not need their services. I also called up Jan and told her that they can contact Bank of America and take their money back. All this was done on 8/1/08. ON 8/15/08 I called up Bank of America and asked if they had returned the check for $20,000 the rep. stated that they are in the process of doing all the necessary paperwork in order to return the money. The check was finally sent out on 9/18/08 to Citibank.

After all this Citibank decides to not only close my account but also my sister's, brother's and his wife's accounts as well and they stated that they couldn't verify all of us. My sister had been a card member since 1995. They closed her account and told her that everybody's account's were fake and that the information we sent to them was not real and it was forged. On top of that they told me that my account was not opened under my name or my social security number, the inquiry they pulled was under my credit report. This was a frustration experience and I am still fighting this non sense.

My accounts are closed so are my brothers, sister and their spouses. Citibank has given no kind of reason for the accounts being closed except that it is a fraud account.

Tim of Bedford TX (09/22/08)
I purchased an inexpensive camera online. When I recieved camera, was missing parts. Contacted the company and they assured me it was new. Come to find out, it was a reconditioned. I disputed the charge with citibank. I returned the camera, and after 4 months they now tell me there is nothing they can do. I spend over $50k per year with my company on my credit cards. I have had Citi cards for 10 years. They do not care to lose a customer for less than $150. They are losing all of my business, in effect $1,500 per year in their merchant fees. They can care less!

I sent the camera back to the company, and Citicards has proof of the return. Because the company is very hard to get in touch with, and will not return calls, they have told me to handle it myself directly with them. So much for consumer protection from the credit cards!

Mathew of Warsaw OTHER (09/21/08)
I am resident of Warsaw, Poland and Citibank customer rep. advised us to invest money in investment fund. Citibank failed to inform of the risks behind such an investment and the adhering fees which are horrid plus they sold us the investment fund when it was at its peak almost which means you guessed it after a few months the whole portfolio dropped substantially bringing a loss of 10.000 $ to our family.

Later on we couldnt find the salesperson that sold us the product (told us he changed jobs how great!) now we have a new Citi Gold Advisor havent heard one good advice from her yet I have the feeling she just wants me to keep investing in whatever so she can reap some comission from it. I totally dont trust her and I totally lost any respect for this bank.

Loss of 10.000 USD circa

Michele of Atlanta GA (09/18/08)
Home equity Limit $75,000 Balance $49,229.00 Called for draw of $5,000. Was told I have to refinance, as I had reach limit. Finaly spoke with Elva 9-16. Infromed me I did have $25.000 available. She would have checks fed Ex to me immediately Mandy called today.Stated it was security reason on checks.

It was inconvenient for me to talk. Work out of home and care for ill relative. She said she would not call back, I had to speak with her now. I called back and could not get pbtain correct answer if checks were going to me mailed or not.
Denied withdrawl to me home equity line

Lisa of Manhattan NY (09/18/08)
signed up for joint-savings account on aug 26, 2008. citibank did not inform me that the transfer of funds from an established citibank account to the requested joint-savings account would not be executed. still to this day no savings account was opened. an escalation in the company was processed but nothing was executed by citibank.

several phone calls to citibank to get answers. a checking account that was not authorized by me was opened. when i asked for that checking account to be closed they shut down my preexisting debit card. atm card canceled without authorization.

Edith of Los Angeles CA (09/16/08)
I do most of my banking online. Citibank changed their website and whatever address I type the first page is in Spanish. Since when is Spanish our official language? It takes now 4 clicks to get to my checking account! What's going on?

Veronica of San Diego CA (09/15/08)
Some one use my information and apply citi bank credit card. I don't know anything about it until 5/2008 i ask for my credit report and find out I own Citi bank $752.76. Also, I received a letter from MCM collection for this amount. Citi Bank was fraudly allow some one use my information to apply credit card. They should check before give credit card to some one. I am very upset when they made my credit turn bad.

Dharmesh of Bangalore OTHER (09/14/08)
I have a Citibank-Savings account at the bangalore branch, in May 08 citibank had send me a mail saying that i need to submit docs of my id proofs before 31 july 08 , i send them mails with my id proofs atttached in May 08. They say that they want self undersigned photocopies of my ID proofs via courier. I send it via courier in June 08. But still they close my account. after 31 july. Reason : they gave me is that they did not receive the my courier before 31 july. I checked on the courier tracking website, my courier was delivered on 19 july.

I to had face cashflow isssue for my personal expenses for food , clothing etc n Aug, while i was on business trip abroad i, as i could not access my account. I had to take advance cash from a business client whom i met for the first time as i knew no one else in that city.

Cole of Indianapolis IN (09/03/08)
In Feb. 2007 my credit card was duplicated in CA, I live in Indpls, IN. A rep. from Home Depot Mastercard called me about the transactions and I said I only have one card and I have it in my hand. They said o.k. we'll cancel the card, send you a new one and one of our investigators will contact you.

No investigator ever called, they did however send a new card. Problem is that when I got my new card my points had been cleared from approx. 60,000.00 to ZERO points. So, for over a year I battled for my consumer points, repeatedly I was told it was under investigation. Finally they said we do not show any record of you having those points. I said I have all my statements showing the money I spent,paid and the points that go with that money. They said sorry Sir, we can't help you. 60,000 points is almost half of a trip to Hawaii. Especially with the 124,000.00 I've accumulated since the new card was issued.

And now that I have 124,000 I get a letter in the mail saying they are going to send me a better card, a Citibank card that is not a Home Depot Rewards. The kicker is that if I didn't cancel this new card by 9/9/08 it would come automatically and my Home Depot card would no longer be any good. Wonder where my points would magically disappear to this time. Yep, mental-anguish and theft.

Tayabu of Durian Tunggal ME (08/27/08)
ihave a Citibank credit card since May but untill today i dont received my statement. I already informed the customer service but no answer.

Collins of Milford DE (08/20/08)
I purchased a pool with a revolving credit account with Citifinancial at 13.99%. In late April of 2008 I received notice that the interest rate on the revolving credit accounts was increasing to 24.99%. If we wanted to avoid the increase in the interest rate we had to send written notification. This would close the account and maintain the lower interest rate and the same monthly payments, but we would not be able to charge anything else on the account.

On May 9, 2008 we sent the required written notice of our desire to opt out of the rate increase. Our next three bills have had the higher interest rate (and resultant higher monthly payments - $16.00 more). Repeated calls to Citibank has resulted in their apologizing and saying that the rate will be lowered and the extra interest credited to our account--but nothing has changed.

My wife has been very distressed over this--money is very tight right now anyway and the extra (no matter how seemingly small) has an affect upon our finances. I have had to dedicate hours to this problem--that should have never happened and at worst should have taken Citibank 30 seconds to correct in their system. I can't help but wonder how many thousands of people this has happened to--how many just gave up and are paying the higher rate and how much money is Citibank making from this oversight. (That is how the last Citibank representative named Romeo characterized the situation).

Oliver of Red Hook NY (08/18/08)
I require a faxed confirmation that my loans are on deferment to complete a mortgage application. This is a very simple request, which this company refuses to fulfill. They consistently lie to pacify me, and their customer service supervisors are not empowered to help resolve this simple complaint. I first contacted them on 8/7 to make the request, and was told it would take 24-48 hours to send the fax. Then, on 8/13, when no fax had arrived, I contacted them and escalated to a supervisor named Ray (no last name given). He said he would rush the request and it would go out the morning of the 14th. It did not, so I spoke to supervisor Shelly on that date, who repeated that timeframe and submitted her own rush.

Since by the 15th it had not gone out, I contacted supervisor Chance who also made the same promise; telling me that the morning of Monday the 18th would be the new timeframe. On that morning I called and spoke to supervisor Kerry (ID# sek50) at 8:25, and she told me it would go out that day but would give me no definite timeframe. I spoke to her again at 11:07, and she indicated I should have the fax within the hour (she alleged to have spoken with the department which sends these letters out). Since I did not have it by 1:00, I got to supervisor Vince (sek77), who told me there was nothing he could do.

I called back and got supervisor Winnie (se009) who hung up on me. I then called and got Philip (sek72) who explained that they cannot contact the Letter Writing Unit (which is supposed to send the fax) and that there's nothing more any of them can do. An hour later at 4:04pm, I called again and got Mr. Swinson (no first name given; ID# se348) who contacted the Letter Writing Unit (meaning either he was lying or everyone who came before him except Kerry was lying) and told me he needed to get more information from them and would call me back before he left work, which was 4:00central (5:00EST). At 5:40 EST, I had not received word from him, so I called up and got Vince again who said that he couldn't help me (again).

I am at my wits' end. NONE of the supervisors will permit me to talk to a manager or anyone higher than their position. They consistently contradict each other regarding whether they (or anyone) can contact the Letter Writing Unit? or not, and refuse to escalate my complaint to their superiors. If I had known how bad their customer service is, I would have requested a different lender from my college. It has taken them 8 days so far to send the fax, and if I EVER receive it, it will have been the longest fax in the history of mankind.

I have made an offer on a house and must get this paperwork in to the lender to approve the mortgage - this is the ONE PIECE that is holding back the process. If I do not close in a timely fashion, I will lose this house and potentially the deposit which I have already paid, not to mention the fees for the inspection and mortgage application.

Mamdouh of Cairo OTHER (08/07/08)
I'm facing two problems with Citibank, Egypt : 1- I'm trying hard to contact them by phone but every time after I insert all requested information , I get the response, We are not able to make this call, try at another time, it could happened many times without any hope of connect, at the past they used to put me on a queue of calls and at last they connect me but now their customer service was degraded very deeply .

2- I used to receive a monthly statement for my credit card usage but I didn't receive such statement for several months without any logical reason as I regularly pay my monthly amounts and I see a similar monthly statements delivered to my neighbor every month and every time I try to complain by phone, they never succeed in connecting me to one of their representatives . I recommend that all Citibank customer service procedures should be reviewed and Quality Assured seriously as they keep degrading in providing their services .

I fail to know the value which I should deposit every month at Citibank for servicing my Credit Card .

Michael of Hampton GA (08/07/08)
I could no longer afford my vehicle, I contacted Citi Financial to offer a voluntary repossession as not to destroy my credit. I was told they don't have that type of program and they didn't have any drop off spots to return the vehicle to them. The only way was to seize the property (i.e. repossess it) and it will count against me as that.

It will damage my credit, I will still owe on a car that I already can't afford, possible court actions can be taken against me, I may be forced to file bankruptcy.

Audrey of Johor OTHER (08/05/08)
i would like to make some conplain about service branches at Johor country of Malaysia. 1st of all, citibank service very poor n very bad. i went to citibank to open an saving account and it took me 4 times to citibank due to citibank poor service : told me wrong documents to bring, 4got to ask me sign document. staff very poor service which bring me alot probelms, travel to citibank and waste my time.

Erwyn of Philippines OTHER (07/27/08)
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.

In my opinion, 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.

Sleepless nights. Morally demotivated. Family commotions. Added financial difficulties, Anxiety and etc.

Murthy of Bangalore OTHER (07/24/08)
I was issued a credit card some 8 years ago. This is the period when credit cards were considered as wallet status in India. I was approached by a Citibank representative and introduced me to the credit card, how it works and advantages and so on...I too like other fellow beings entered into the trap and signed a form which required details like house address, date of birth and income details, signature.

I told him I was in a hurry and the representative immediately said just sign here and we will take care of the rest and asked my mailing address. I signed and gave him the address. Please note here there is no address proof/date of birth proof nor any such formalities collected to open a new credit acrd account.

I want to close the card now and have been trying to contact the Citibank customer care. I am put on the IVR and asked to enter the TPIN, date of birth verfication, last two transactions made and so on..I pressed 9 to reach for a Citiphone officer as it is called in Citibank language. I requested the gentle man who came on the phone to close the card..he again asked me to verify my TPIN, DOB, transaction details...I could only furnish the transaction details of the card as I had made the payment to the card from my debit card, but couldn't get the gentleman to transfer me to a credit card closure department.

I have paid late payment charges for a transaction which has been converted to EMI and I am unable to close it..I am asked to write to a mailing address requesting for DOB to be changed to the correct with proofs.

Tracey of Roswell GA (07/15/08)
I have been trying in vain to add my checking account information to my account so that I can may my bill. Obviously, Im already accessing my account at the point where Im supposed to add this information, so I fail to understand the need for extra security measures for this process. Do they have a lot of identity thieves trying to add checking accounts and pay other peoples bills? If, in fact, an unauthorized individual was trying to do such a thing which I sincerely doubt they already have accessed the credit card account. All the information is right there in front of them. So tell me, please, why they need this extra security step when Im trying to pay my bill?

Admittedly, the first time I tried to add this information I had forgotten my security word and so I called customer service and went through their song and dance to get a new security word. They kept trying to give me hints which were completely useless because apparently none of the answers I gave was correct. Once that word was changed, which was no easy task since they were fighting me the whole way, I should have been able to add my checking account information to pay my bill, correct? Wrong.

First, I was locked our for security reasons not from my account, of course, but just from adding the checking account information. Supposedly the lockout was only to last 24 hours. However, when I tried again to add my checking account information a few days later, I was again locked out. That, of course, was because the first time I changed the security word their customer service representative apparently neglected to actually change the word on the account.

So, again, today I had to call once again and go through the whole process of changing the security word, which I did. They then transferred me to another customer service rep who was theorectically supposed to help me add the checking account information. The representative told me they couldnt help me that I had to add the checking account information online. Of course, I couldnt do that because I WAS AGAIN BLOCKED FROM ADDING THE CHECKING ACCOUNT INFORMATION TO MY ACCOUNT. Again, they said I had to wait yet another 24 hours.

This is the most ridiculous process Ive encountered in a long time. Online account access is supposed to make my life easier, yet for the last week I have had nothing but aggravation. Suffice it to say that I am doing my best to open a credit card with another company so that I can transfer my balances from BOTH OF MY CITICARDS to another bank. Let someone else make the money off the interest.

An incredible amount of time wasted. Time is money, particularly for me since I get paid by the hour. We won't even discuss the frustration and aggravation that was caused by this debacle.

Mark of Greenwood SC (07/15/08)
We received what we thought were courtesy checks they clearly say Keep these checks handy to use whenever a check is preferred we used one to pay off a bill for over $6000.00 dollars and now we are told that those are either Balance Transfer Checks and/or cash advance convenience checks and we have incurred numerous fees and interest charges, one of $79.19 and another for $364.50. This was even after we checked with Citibank customer service and were told yes we could use than just like checks.

Fees and finance charges of over $443.69 so far.

Sharon of Shinglehouse PA (07/11/08)
Citibank allowed my identity to be stolen from them and there were over 7000 in charges placed on my card and I got little to no help from them. I had to have a listing of the fraudulent charges to include with my affadavit of fraudulent charges and to get the process started. I called several times a month from February to August to have these charges sent to me so I could look them over and mark the ones I did not make. I never did get those copies and I was a nervous wreck, forced to make exhorbitant payments I could not afford and no one seemed to care at all.

When I finally got this mess cleared up I was left with a higher balance than when I had been fine on my own. Citibank had those commercials on tv about a certain person having another's voice and personality and how they bought all kinds of things the person shown in the commercial never would. Well, that was me and I trusted ths company I had been a customer of since 1969 and never made a habit of making large purchases. But, when the other Sharon charged items to the tune of 400, 500 and lots more no one bothered to question it.

Citibank left me be put into a very nerve wracking condition and not in very good position. Do I have a way of making Citibank Pay for there neglect and mistreatment of me? I was a nice person until this happened then everyone acted like I was a real cheat. Not at all like I had never missed a payment and my record was impeccable, which it was and they know it. Any help for me anyone?

Carrie of Los Angeles, CA (07/10/08)
I was planning a trip abroad for about 6 months. I needed to quickly open an account for atm purposes thru Citibank because they have he most available in the area. They shipped my atm a few days late, but I finally got it at my destination which i thought was good. They then shipped some other card to my parents house. Why? No one told them to do that. I le my branch know just in case it would create an issue. They assured me it wouldnt. About two weeks later I am not able to access any cash and Im in a third world country so I dont carry a lot on me at one time.

The card will not work. I cant transfer funds into my other account because they have some terrible transfer 14 day process of waiting. Also, it takes a few days to even get a number to be able to transfer. So, I call customer service and they state there is NO REASON why my card isnt working. They have to just send me a new one. Apparantly when the card is locked for whatever reason, they cant unlock it. Why? Bank of America does as long as you verify the charges they think are illegal. So, they then refuse to send me a card to my location even though they did the first time. I say fine...Ill just go to my branch and deal with i directly. So another day passes with absolutely no money- meaning...I cant take clients out, cant travel, cant buy food...and I e-mail/call my branch.

They get a new card sent out and cant verify either why its occurred. So, the next day my parents receive a card. I e-mail the branch to tell them. They said i ordered one for home on customer service. Not to worry though- they do have mine coming to my area abroad and will arrive in 2 days. Okay... I never ordered a card from customer service. Now im worried I have 2 cards again causing an issue. I explain this and they said no, it should be fine. So Im stuck, the card is still not here a few days after deadline...and I cant access anything. On top of that, Im suppoesd to transfer some cash so I can pay bills needed from my other account. So Im behind, that account is overdrawn and I have no access. It also looks terrible to beg my boss for cash if I need to take clients out over here on a new venture.

I really dont believe they cannot unlock my card or approve things. I really cant stand it that in an International company, they cant see that their current systems always backfire if you start to use a card in another country- NO MATTER if it was entered in as acceptable on your original application. JUST REALLY TIRED OF THIS...and its not like anyone can help really. They just tell me the card is coming. Id like to see their President have his card shut off while traveling and see how he likes it. Im pretty sure he's' got people who can help access his cash.

Im losing money, getting charged fees, cant eat anything unless i borrow money due to lack of being able to access tons of money in my citibank account.

John of Pleasanton CA (07/02/08)
I deposited a large cashiers check at Citi Bank in Dublin Ca. on 6/28/08. they would only release about half of my deposit immediately, the remaining half is being held until 7-8-08. This check again was a cashiers check from wachovia. Can they do this? Thanks for your help

Lost interest

Brian of Belleville NJ (07/01/08)
Citibank offers a 9-month CD at a 3.50% APY on their website. I signed up for it. Citibank sends paperwork which shows that my CD is earning a 2.75% APY, even though the 3.50% number is still on their website! I do not understand how banks continually get away with this interest rate bait and switch tactic. Isn't this illegal? Isn't this how the economy of the USA was destroyed by the financial institutions? Can we PLEASE get some legislation on this issue?

My time is valuable. How can I afford to check citibank's math every month to make sure ther are giving me the deal they promised? You can bet that if I underpaid them, they'd have collection agencies on [me], but if they underpay me I have no recourse except to stop doing business with them. Big business should not be allowed to get away with constantly screwing the little guy.

Deanna of Cheektowaga NY (06/20/08)
My husband has a citibank credit card, I do not. For some reason his credit card account through citibank is showing on my credit report. My husband had called and was told that they would send him a form that he needed to fill out and return to have it removed. He never received any form. So he called back and was told it was taken care of. Well, I am in the middle of filing for bankruptcy, my husband is not filing bankruptcy and this account is still showing on my credit report. It's not even mine! Now, when citibank calls my house for my husband and he is not available, they state when they talk to me that and I quote WE MUST IN FORM YOU, THAT YOU ARE NOT LIABLE FOR THIS DEBT

Now why then why is this debt that they clearly know is not mine, still showing on my credit report? I called again, only to talk to a supervisor who could only give me a fax number to fax my request to have it removed from my credit report. I was also told that if they had any questions they would notify me. He also told me that it could take 30 to 60 days to get it removed. I have yet to hear from them. I am extremely angry, and frustrated. What really burns me is my name is not on this card. We do not have a joint account. They really need to get their act together and take care of this. If anyone out there has any ideas it would be greatly appreciated.

I can't continue with my bankruptcy with this showing on my credit report. It has to be removed for me to continue.

Joan of Greenwood Village CO (06/10/08)
Citibank American Airlines Credit Card was applied for and issued to me with a perk of extra miles and a Free Companion air ticket and a $50 off certificate. The companion ticket is not usable although the air travel tried was within all parameter guidelines listed for use. American Airlines customer service says they cannot help book any airfare coupon without a different code so no one will talk to me about a ticket. It can only be booked on line but it does not accept the code (though it meets all requirements put in the request) and there is no support number on the certificate to call. The customer service at Citibank say they have no way to contact anyone in that department, no phone number to call nor anyone to talk to.

I have tried many times, many people and gone in circles, even recorded some of the calls. The worthless certificate will expire 6/30/2008. This was not a free credit card. It has an annual fee for which you are supposed to receive these benefits, and is obviously false promise or bait and switch. I recently ended up just paying for tickets on a different airline at a costly penalty twice. Any assistance you could provide would be greatly appreciated. Please let me know how to help resolve or find a contact for Citibank that would be accountable for this offering. Thank you for your assistance!

Paid full price round trip on United to California just for myself (could not afford companion). Promised my son a trip (after he'd undergone 9 surgeries), finally just booked one anyway on different airline and paid - a package but value of air ticket just for him would probably be $700 to $950.

Paul of Sherman Oaks CA (05/23/08)
I signed up for a promotional program that would give me 5% cash back on all purchases. This was done over the phone with customer service agent. Then, after the promotion period ended, I reviewed my statements because I noticed that my promotional credit did not add up to 5% of my purchases. When I called to discuss this, no one could explain what happened and instead giving me the credit, they filed a dispute. A few weeks later I receive a letter in the mail saying that my dispute was review and it was determined that I had reached a hundred dollar cap on the promotion, which was the first time that I had heard of such a condition. Then I went back and looked at my statements and saw that the promotional credit I did receive added up to over the supposed $100 cap.

So I called again to get an explanation, and to see if they would credit me for the purchases I made and they declined to credit my account the additional money. I asked to speak to an account specialist and at first he explained to me the $100 cap. Then I said, well than why did you credit me over the $100 cap, but not the full 5% of the purchases?? and he did not have an answer or an explanation. Then he put me on hold. After 5 min he came back and said that the reason why they went over the 100 cap was because I had recently lost the card and was re-issued a new card. This is clearly irrelevant because I lost the card over a month after the promotion had ended, and had already received statements for the promotional months with the incorrect promotional credit This was a lie, and they were saying this to come up with some reason for why the exceed the 100 cap.

I was a customer with this company since 1999, and it was actually my first credit card, but after this experience I was forced to close this account due to their refusal to credit me the additional $211.42 that the promotional purchases should have yielded. Just to be clear, I received $200 in promotional credit, and I should have received $411.42. I felt as though the promotion was a scam aimed to get me to use the card more so that they would make more money on interest. If there was a $100 cap then they should have disclaimed it at the time they signed me up for the promotion, and I was even more disgusted by their inability to offer an explanation for why they went over their supposed $100 cap, but would not credit me the full amount. Thank you for your time.

Hairunnizam of Shah Alam OTHER (05/22/08)
Today at 2.35 a staff named Selvi from KL has called my personal telephone wishing to speak to my sister regarding her account. She was very rude and to my surprise she even refused to even listen to me when I told her that this is my personal phone and i need to use it.

What is Citibank doing to their customers and their reputation, harrassing their customers and their siblings who is always willing to take a message every time they make a phone call. Don't Citibank have a proper system in collecting debts anymore. Why are your debt collecters very rude and don't they get some training anymore on ettiquette how to talk to public anymore. I AM VERY VERY FRUSTRATED! THANK YOU!

Anne of Weatherford TX (05/21/08)
5/19/08 Presented an Ameriprise refund check in the amount of $1200 to the above Citibank branch office teller using a regular checking account deposit slip which also reflected $100 cash back. The transaction was completed, no special instructions were given, we said good day. 5/20/08 Evening. I went online to my Citi account. There was no record of the deposit made into any of my Citi accounts. 5/21/08 Called Citi to explain that the money had been deposited in error to another account which was apparently my e-savings account. I was told that because of the large amount of the check ($1100) that it would take 24 to 48 hours for them to check with Ameriprise to make sure Ameriprise had the funds to pay for the check. I also noted that the deposit date of the check was for 5-20-2008, rather than the actual date of deposit.

ISSUES: 1. Teller did not explain there would be a delay but this appears to be common practice since the deposit date was anticipated to be 48 hours later than the actual deposit time. 2. Where is the money held in the meantime? 3. It is now beyond 48 hours since deposit and the money is still not reflected in my account. 4. If consumer cannot post date checks, why are banks allowed to post date deposits into their consumer accounts? 5. It will supposedly be deposited into my e-savings account which does not offer overdraft protection for my checking. There is enough funds in savings to cover $1100 but there was not in checking. If the deposit is not reflected in my account until it clears, don't I, the consumer, have the choice of which account I put my money into?

Loss of lunch break and 1 hour after work. UNNECESSARY STRESS AND ANXIETY Is there a commplaint agency to refer to? This is the second bank I have used which likes to deposit money into money market or savings accounts when the deposit slip is clearly marked checking.

Marianne of Rockaway NJ (05/18/08)
I closed my Citibank credit card last month. It turns out that I closed it within a few hours of my statement closing date. Because of that, I missed out on over $200 cash in rewards. I called Customer Service and was advised that I could not recoup my rewards for the statement. I asked to reinstate my card so that I could get these rewards returned to me and was told this is not an option. I was highly dissatisfied with this entire situation.

I then attempted to send an e-mail regarding my concerns, but because my account was closed the online form would not allow me to and I couldn't even get an e-mail address! Therefore, I had to write via mail. The response I got was over a month later and was a 2-sentence form letter saying I'm SOL. 2 sentences! I am a manager in a service industry and I understand the importance of Customer Service. Citibank did such a poor job that I will tell everyone I know (and don't know) about how horrible they are.

$200+ cash in rewards

Vanessa of North St Paul MN (05/16/08)
My husband and I are trying to buy a short sale home and after an agreement with the sellers of the home, nearly two months later we received notice finally that the bank wanted 10 more grand we readily agreed to the amount anxious to get moved in. Now we are waiting again. We are trying to get an employee name or ID and contact information. We are told every day they are working on it and to expect an answer but every day nothing happens.

Victoria of Los Angeles CA (05/13/08)
Had immediate family involved in SO Ca Fires. Called Citibank to make arrangements to be late on apayment with a payment plan. Been a customer 7 years with outstanding record. They said we could make a payment plan so then my account wouldnt be affected. Next thing I know the account is closed because I made payment arrangements and they are calling my phone 4-5 times a day. Worst company I have ever dealt with other that HSBC

Deborah of Riverside CA (05/12/08)
I had opened some cd's ,short term ,@5.+% in 2006, until the stock market settled down. When they matured at various times I planned on pulling them out or putting them in MM, liquid accounts so I could utilize the money to buy investment property quickly and without penalties.

Mrs D told me of a new product that was liquid, and paid a higher percentage. I was TOLD that I could pull it out anytime and the penalty would be minisqual, if any. They put me in a Citibank MLD linked To DJX enhanceed income strategy FDIC DTD 1/30/2007, amount invested was $30,000. Again I asked if this account was liquid without penalties. The latter part of 2007, I wanted to withdraw the $30,000. to make some improvements to my home, and was told I would be penalized by withdrawning my investment. It was a 5 year investment, not short term.

I was misled, by their statements and cannot finish my home improvements as planned. I havent been able to buy my vacation home, as I have planned, or goo on vacations. Very stressed and angry. This irresponsibility suggests that Mrs. D, received a commisiion on the investor and their investments, and it was a conflict of interest for her to advise me in such a way to put me in this investment.

Michael of Pittsburg CA (05/06/08)
Have been Citibank-gold card customer for 1 yr.(ALL 12 check ptys. average 3 times minimum due amt. made ON TIME. Beginning Jan 08 Citi began delaying statement mailing 5-8 days and shortening pyt. due date 4-6 days, thus effectively allowing ONLY 5-7 day pyt. window. Prefer paying by per. check, but now FORCED to make on-line pyts. What gives? Seems like a Citi-inspired SCAM requiring me to pay on-line or risk getting dinged $39 for late fees.Rip- Off?

Called Citi-3 times:told ea. time from someone 15,000 miles away(India or PI) it must be the USPS fault. Called US, Cal Sen/Reps. about prob. Told he/she would look into it. Thanks 4 reading this! Good luck all dealing with these.

TREMENDOUS EXASPERATION!

Dee of San Bernardino CA (04/29/08)
Last year I had a high risk pregnancy, a preemature baby and suffered much time off work. Before this unfortunate turn of events, my credit score was over 700. I entered into a Debt Management Plan mainly because Sears Citibank Mastercard hiked my interest from 14% to 32% when I may my first partial payment (that was all I could pay - 1/2 the amount due).

I tried and tried to negotiate on my own with them, they wouldn't have it. Then they acted like they would accept my payment plan from the dmp company, if only I made a little bit higher payment. So I did, twice. Sears Citibank charged off my account, refuses to lower my interst and continues to receive monthly payments of $240. My balance just keeps growing every month. They (Pioneer Collections) threaten to take me to court over and over. I don't know what to do. This is causing so much stress, my quality of life has sufferred greatly. If I could I would borrow the money and give it to them, so they could leave me alone!

Consequences: monthly pymt: $240 for 8 months and my balance has grown over $3000 during that time.

Greg of Des Moines IA (04/28/08)
I recently received a Notice of Change inTerms and Right to Opt Out letter from Citibank. It basically states that they are increasing my APR to 17.99% for purchances, cash advances and foreign purchases. Now I just got them to finally reduce my APR from 24.99% to 11.99% about 2 weeks prior. Although my history is considered somewhat short (2 years), I have never been late and always pay well above the min. due. each Month. I called asked why this was happening, but was advised there was no reason we are just increasing everyones APR.

Now if I choose to opt out of this strong arm tactic of Citibank's, they indicate in the letter that my account will simply be cancelled. In other words, if you don't allow us to take more of you money, we are going to cancel your account and demand our full balance.. (fortunately, it is managle at 2,800.00). I am sure this is not happening to everyone as the service rep. states. Just wondering if this is even legal or if this is happening to anyone else. My stong feelings here are that this is only happening to certain folks. I plan to dig a bit more and if I find this is permissable and legal tactic. If it is only happening to a paticular type of customer, I am going to check out bringing a class action.

Danny of San Jose CA (04/27/08)
I recieved a letter noting that in the event I defaulted or a payment was not made on time that my interest rate with rise to 23.99% or to a high of 28.99%. Though my balance was zero and I have never been late, I was so incensed at the tone of the letter which talked about additional fees for this and that. I feel that the credit card industry has been allowed to run wild. The banking industry in general. The consumer has no protections today. The government says it is going to do this or that about the current economic crisis and yet that bail our wall street and banks, and the consumers are left holding the bag.

These interest rates are, in a word, immoral. I have been a stellar customer and I was deeply offended by the mailing. I cancelled my card today. I am considering closing my citi bank account of nearly 10 years. Where is our congressional advocacy? They are all in the pockets of the banks and wall street.

Mehul of Clarksburg MD (04/25/08)
I have been a citiNRI member for about 3 yrs. I have used their services on a monthly basis for past 3 yrs. They have some hiccups on and on. But, this time it is absolutely not acceptable. Normally my transfers takes 3-5 business days. It is now 7th day and it is very urgent and critical for me. But they are not able to locate the funds and not able to answer to my queries. within past 4 days I have spent abuot 15 hrs on the phone and we have got all kinds of irrelevant info. and multiple phones. They are just passing the buck and not accountable for providing right information at the right time to the clients. We feel bullied and helpless.

I spoke at the Chennai office to the floor supervisor Ms. Cimmron and Mr. Sridhar. They could not help me. After being promised to hear back, they did not call and finally they too passed the buck to get info. from US office. It is now about 12+ hrs. I requested (a) transcript of my call and (b) speak to a Sr. Supervisor. There is NO MANAGER to respond and call back. It is horrible operations and they do not care of clients. I have never felt cust. service so careless and uninformed. They have no clue on where to pin point the issue.

It was critical for me to send the funds for domestic issue. This is causing me ~17% fees on a daily basis. It is also hurting my reputation where I gave a timeline estimate and there is no way to track and trace it.

Joel of Hendersonville NC (04/24/08)
I called to close online savings account because the interest rate had gone down drastically.After transfering my call 3 times they took my phone number and said they would return my call but never did.I called again and finally was told that I would have to mail a request to close my account.They make it easy to put money into the account online but you can't close it online and make it very dificult for the consumer.

8

Ren-Yi of Peachtree City GA (04/11/08)
I called the Citibank to close one of my credit card that I have not used. I was told they will combine the credit on this account to another card that I use more often. Which is a good thing. I was happy. I received email the next day to confirm the changes from Citibank. In the email, my existing account number showing 3 times, only the first time the number was x out (like xxxx-xxxx-xxxx-1234), the other two times it displays all 16 digits. I don't think that is right. We have been advised to use the virtual number not the real credit card number on the Internet, never send credit number thru the email to protect ourselves. Why the bank will do thing like this? Is this a part of the Internet Security for them or for us?

I contact Citibank, the answer they gave me is that email is sent to my email account directly and it will not be viewing by other people. I plan to watch my account for few days then I am going to close this account or have them sent replace cards.

Robert of Dunnellon FL (04/10/08)
Bill due 3/17/08. Sent payment 3/14/08,Citi says payment not received until 3/18/08. Because of Saint Patrick's day Citi is charging me the fees. For a $1200 bill I'm paying $63.88 for, at best, a matter of hours. I'm sorry for Citi's bad mortage losses and the Chinese bail out, but Citi now lost a customer that has been with the bank, in good standing, for 25 years.

Mary of Alexandria VA (04/09/08)
Had stroke in March; 3 bills were more than 30 days late in June. Both Penneys and Mastercard agreed not to report problem after I explained what happened. I also talked to JJill (their credit card is issued through Citibank), which said it would not report the late payment. Last month I saw the late payment reported on my credit report. They not only deny I called last year, they refuse to remove the 30-day report until 2014.

I will build a house in 2010 and am afraid I will be denied a loan because of this report. Mostly I am angry that consumers are not allowed ANY leeway with credit, despite illness, catastrophe, etc.

Bernard of Garfield NJ (04/08/08)
i have been working with green path solutions to help pay my debts on 2 cards. citibank will not work with greenpath to lower the interest rates. my current rates are 28 and 24%. they constantly call me between 8-15 times a day, 7 days a week. i have asked then numerous times not to call me so many times per day. they have refused and on one occasion i was told that if i pay my bills they wouldn't have to call me. i am working with them to pay back balances and everytime i make a payment, they start calling me 2 or 3 days after the payment has been made. they call everyday asking for payment. do they really expect me to make a payment everyday?

with my interest rates so high, its very hard to keep up with the bills. i have told them on numerous occasions that i am having trouble and was told to pay my bills and there will be no trouble. it is very annoying and frustrating to be woken up on saturday and sunday at 8 am with a telephone call from them. life is stressful enough lately, with gas prices going crazy, they are not even willing to work with me to find a solution.

Laurence of Aylesbury OTHER (03/29/08)
This letter I sent Citibank sums up what I feel: My mother lived in Spain and had a few Citibank credit cards. She sadly passed away in November 2007, and since her death I have been hounded on a weekly basis by Citibank staff in Spain. Yes, I know she has debts, but everything is in hand with our Spanish lawyer. No matter how many times we have re-iterated that she is DEAD, we still get people from Citibank asking for her by name. Not only is this a distressing time for me, but I find it totally disgusting that although Citibank staff already have all of her details, including her death certificate, I have been constantly hounded for payment. To add insult to injury we still having to pay interest fees which have accrued since her death! My lawyer has been in constant touch with Citibank, and has pointed out to Citibank that NOTHING will be settled until her estate matters have been finalized and paid out. Not only has Citibank caused me a great deal of distress but this experience has taught me that Citibank is totally uncaring, harassing, and a despicable company to deal with.

K of Floresville TX (03/18/08)
Columbia House (DVDs and CDs) started charging my account without my permission. After getting nowhere with them because they only have automated customer service, I requested that CitiCard step in and prevent them from making fraudulent charges on my account. After two more fraudulent charges appeared, I asked that they close that account and send me a new card. Since then, five more charges from the same company have appeared on my bill -- thus putting me over my credit limit.

Has Citi stepped up to the plate to help? NO. They are taking advantage of the situation and ruining my credit in the process. They have slapped me with well over $700 in fees and have NOT responded to the countless calls, email, and letters I have written.

Horrible credit score on the eve of my applying for a home loan.

Charles of Oshkosh, WI (03/10/08)
I have a personal loan with Citibank.  They mail their statements out on the 15th of the month. I have to pay this bill by the 2nd or 3th of the next month.

Last month the bill was due on 3/3/08,and I received the statement on 2/23/08. That gave me 10 days in which to pay my bill. Often I am charged a $30 late fee, because they don't always process statements on the day they arrive, but wait several days for some reason.

I believe the credit card companies do this deliberately to earn late fee charges for doing absolutely nothing.

Jeff of Noblesville IN (03/06/08)
They moved my due date to cause me to be late and give them the ability to charge a late fee and move my rate from 3.99 (for the life of the balance) to 24.44%. I have always paid electronically on the 24th. I believe they moved it to an earlier day on purpose as there is a rash of reports of Citibank doing this to many people. I want my rate back.

This sent my monthly bill for Citibank from $211 to $495. With recent hospital bills, this just has caused that much more harm to my budget. I cannot afford that. It is not like I chose a variable rate card. It is fixed at 3.9.

Tawny of Redondo Beach CA (02/25/08)
Originally they told me my first payment was due on 4/20. I received a statement on 2/19 stating that my first payment was due on 2/20. I called to have this fixed; they said that they had it noted in their system that a representative told me that my first payment was not due until 4/20, but because the invoice was already created that they could not change it. If I couldn't pay I would have to go into forbearance. Well, I requested the form to be faxed to me. They told me it would take one business day. I did not receive it. I called them back, and they told me that they would email me the form. I did not receive it again; then I called again, and they told me that they would fax the forbearance form to my work. I STILL DID NOT RECEIVE IT.

Finally I realized that this company was obviously playing a game and that they want me to be late. I ended up using every cent of money that I had in my bank account to pay the payment for the month of February. I paid it on 2/22. They have deducted the amount from my account, but yet it is still showing that my payment is due and that it is delinquent. Citibank is an abusive company.... This needs to be stopped.

I spent all my money I had for the month because they told me that my first payment was not going to be due until 4/20. In order to pay it, I had to use my food and gas money. I was fearful that it would end up on my credit because they weren't getting the forbearance form to me so I just paid it. Now I am still fearful that they will not post the payment even though it has been deducted from my checking account because their system still states that the payment is pending.

Andrew of Wilmington DE (02/24/08)
Freshman Loan - They refuse to removed parent as cosigner three years after graduation and three years of on-time payments. They claim I have to wait 4 years and then reapply for the loan! I have also requested auto withdrawal from my account 4 times, but they have never sent me the form. They claim I can put my loan in deferment (I have gone back for additional classes). I have never requested deferment, I want to pay it off. I'm sick to death of their games and want to get this resolved.

This loan shows up on my parents credit report and, at age 27, I believe I have demonstrated I can make payments myself. It is embarrassing. I prefer to set up any payments for autopay to keep my credit rating high, but I think they hope I am late so they can charge me even more. I'm disgusted with this situation.

Tawny of Redondo Beach CA (02/19/08)
I reconsolidated my private student loan with Citibank. They disbursed the payoff amount to my previous lender on 1/30/08. I called Citibank to find out when my first payment would be due. They informed me that it would be due on 4/20/08. I received a notice in the mail on 2/19/08 stating that my first payment would be due on 2/20/08. I called Citibank stating that I was told other information. They had this noted in their system stating that I was told by a representative that my first payment would not be due until 4/20/08. I informed them that because I was given a false due date, I would not be able to pay my student loan this month. They told me that I would have to go into forbearance because once they issue an invoice, they cannot change the due date.

This is detrimental to my financial well being. My payments are $1212.94 a month for 30 years. I am only allowed to go into forbearance for 12 months over the life of the loan. So, because they gave me a false due date on the phone, I now will lose 2 months of forbearance time; and in this time, interest will still accrue making my loan more expensive over the life of it, and now only giving me 10 months of forbearance time for the next 30 years of my loan. What if I need this time in the future? Thirty years is quite a long time. And it is not fair that I am now going to accrue interest for two more months on this loan. The interest rate is 9.75% on a loan that is $141,177.80. This will be a few hundred dollars if not over $1000.

Dale of Las Vegas NV (02/13/08)
i have contacted citibank 8 times asking for my 2007 tax statement and get nothing but the runaround, can you help?

I need to due my taxes, but I can't.

Andree of Kirkland WA (02/10/08)
I was overcharged from Luxury corner. It was in July. The overcharges were $195.00, $195.00, $140.00. Citi cards credit me for $195.00, $195.00 but did not credit the $140.00. Instead they added $29.00 and $2.97 for late fees. I have been trying since july to have this sum of $171.00 but they keep telling me they already credited it.They took advantage of a refund I had from a company named bookin for $524.00 and deducted immediately the sum of $171.00. I tried again and again to have this sum credited to my account but nobody is helping me

I am very frustrated and don't know what to do. I do not want to pay for something I did not get.

Guillermo of Lebanon NJ (02/09/08)
I did not receive December statement; I received January's statement with a late fee, interest and over credit limit fee. I wrote letter explaining this, and the reply was that I had to pay the fees. I have always paid off my balance each month. The credit card is the Citibank Shell Mastercard.

Ludema of Novaliches OTHER (02/04/08)
Early this morning, I got a cash advance facility form from their office. Since I hadn't file any application form, I immediately called the office and spoke to Diana Candazo, (i asked her full name). I got agitated by the way she talked to me-as if she's talking to a kindergarten student. I know everything about credit cards and she told me that my son applied for me as his supplementary. Had she talked to me in a polite way I could have accepted the card, but instead I told her to cancel both my son and my card. I am in the insurance business and deal with various banks, I will not tolerate attitude of this kind.

Kristi of Waipahu HI (02/02/08)
I paid my December 2007 balance in increments, as money became available. I surpassed the minimum balance and made an additional payment and clicked on the wrong bank account. When I went back online to correct the error and pay again, it wouldn't let me because I paid my account too many times online. It resulted in a bounced check fee. Then Citibank froze my account. Afterward, I called to reinstate my account after being declined. She disagreed and told me it would continue to be frozen for use and online until I mailed in payment even though I had already paid well over my minimum for the month. Customer Service transferred me to another person (manager?) who listened to my situation for a minute and then immediately said he would reinstate it within 24 hours (no questions were asked). So I hung up satisfied that it was resolved. That DID not happen.

When I returned from my trip (chargeless) I called customer care, and they said they wouldn't reinstate it due to a bank error. They did not call and inform me of this change of information. I had to find out when I called. I just received a notice saying they closed my account. I do not appreciate this treatment when I have been faithfully paying my bills all along.

I was charged $39 for a returned check. I was also charged by my bank. I was unable to use my credit card and received wrong information about a promise to reactivate my card, which never happened.

Kristi of Waipahu HI (02/02/08)
I paid my December 2007 balance in increments as money became available. I surpassed the minimum balance and made an additional payment and clicked on the wrong bank account. When I went back online to correct the error and pay again, it wouldn't let me because I paid my account too many times online. It resulted in a bounced check fee. Then Citibank froze my account. Afterward, I called to reinstate my account after being declined. They disagreed and told it would continue to be frozen for use and online and until I mailed in payment even though I had already paid well over my minimum for the month. Customer Service transferred me to another person (manager?) and he said he would reinstate it within 24 hours. So I hung up satisfied that it was resolved. That DID not happen. When I returned from my trip (chargeless) I called customer care and they said they wouldn't reinstate it due to a bank error. They did not call and inform me of this change of information. I had to find out when I called. I just received a notice saying they closed my account. I do not appreciate this treatment when I have been faithfully paying my bills all along.

I was charged $39 for a returned check. I was also charged by my bank. I was unable to use my credit card and received wrong information about a promise to reactivate my card, which never happened.

Judy of Columbus GA (01/26/08)
My last payment on my truck loan cleared my account on January 7, 2008. Since that time I have been called by collectors and have faxed a copy of my canceled check three times to Citifinancial Auto. When calling back to confirm receipt, I have been told it was illegible and that I need to go to Kinkos. On the last occasion when I typed the check information on the cover fax, I was told I needed to write it in 1" high letters. I was told this when the recipient's name was typed. I have consistently requested to talk to the payment center so I can read off the check. They respond by telling me they can't take my word for it. I am not asking anyone to take my word for it. I am asking for folks to take the information so they can find out where they posted it. They don't listen, and with every comment they respond saying that I am doing something wrong.

The real kicker is that I was paying electronically, never missing a payment, and Citifinancial auto made the decision for me that the last payment need to be mailed. It appears to me they do not know how to process checks, and they even more certainly do not know the best practices for researching payment issues. All I have to do is read the dates and numbers off the check, and they can find my check and resolve it. They do know how to use condescending tones and and how to insult people with their responses. When I informed them that I have paid almost $10,000 in interest and deserved some help, I was told to keep quiet so I can hear what I need to do. Does it not occur to Ms. Perry that she needs to help me? When asked that, she hangs up on me. This has happened three different times. I cannot get through a logical conversation because their collectors are harassing and not helpful.

I am currently being reported negatively to the credit bureau--in error. I lost a home improvement loan for gutters as a result. After the third harassment in a row, on the last call I had to take nitro-glycerine for my heart.

Joe of Coram NY (01/23/08)
This was the worst experience of my entire life. I was told I could defer my payments and go into forbearance if I could not afford to come up with the astronomical amount they wanted me to pay per month for undergrad loans. Instead I was told my forbearance period was up, and right before I tried to consolidate my private loans with Sallie Mae they would not postpone anything for me--not even for the month or two it takes to consolidate my loans. This company does not care what the situation is, and do not want to even try to help. I just kept being told if I didn't come up with the payment, I would default. What a way to treat our up-and-coming class of college graduates. The whole system is a joke, and I will never use Citibank for a single transaction the rest of my life.

Due to this, I am about to go 60 days late on my student loans and probably destroy my credit for a while. It's a sad state of affairs.

Pam of Blue Point NY (01/20/08)
My husband and I received an offer from Citibank on January 14 for a credit card. We are members of Upromise and the offer was for Upromise members. The offer promised 0% APR on balance transfers until 01/01/09 with no balance transfer fees. We applied for the cards, received them a week later on January 19. When we called to transfer our balance of our existing credit card we were told that the offer was 6.9% for 6 months and a 3% transfer balance fee. When my husband explained about the letter we received the agent claimed they knew nothing about this specific offer. We asked to speak to their supervisor and again he claimed he knew nothing about this offer. He implied that it was nothing that they sent out, as if we were making the whole thing up. I would like to take legal action with this company for doing a bait and switch tactic and would like to know if your department can do anything to assist in this matter.

At this time there are no economic or physical damages that resulted, just a feeling of being ripped off.

David of Lockeford CA (01/17/08)
We had opened this account to get new flooring and the deal was no interest, no payments until Jan 2009. We received the first bill and it says it's only until Decemeber 2008, so on Jan 5, 2008 we sent in the total amount due on the credit card of $7249.00. They have acknowledged they received the payment on Jan 9 2008, however it's still showing that we only have $2751 available. We received another bill showing it's still outstanding. When you call them, the machine comes back with received a payment in the amount of $7249 on Jan 9, 2008. We asked why they have not cleared the card out showing the available credit to be $10,000 (now let me remind you this is over ten days, so the account should be totally free and clear).

Because of them not clearing the card, we cannot get a home equity line of credit. The mortgage company is saying they are waiting for this to clear and I owe contractors that will be working here soon.

Marlene of Tinton Falls NJ (01/16/08)
My fiance and I took out an equity line of credit for $50,000 at10%. We both have excellent credit. For the last 2 weeka, Citibank has been calling all day and into the evening. Tonight my fiance picked up and the rep explained it was a courtsey call. We wanted to know why we make payments and $1.00 is applied to principal while over $400 is applied to interest? She couldn't give us an answer, so she transfered us to Andrew. This was his excuse that our payment is due on the 14th, which we always get it before the due date, but he is telling us it has to be posted to the account before the next cycle is generated. We told him it is arriving DURING the cycle, why are we getting hammered with these outrages charges? We told him we have had other equity lines of credit and we were able to pay down the debt; at these rates we will continue to get buried by them. We told Andrew we will never do business with Citibank again.

I lost my job in Nov of last year and we are desperately trying to hold on to our home. Citibank is horrible to deal with the interest rates are obscene and I can't express what the stress of all this is doing to us physically and emotionally.

John of East Lansing MI (01/16/08)
Citibank says it paid Comcast back in July. Comcast says it never got the money. I fear I'll have to pay them both.

It's only $118, but it is aggrivating that they never communicate or respond. They never explain why they're ignoring you.

Deepak of Thane OTHER (01/03/08)
I took a personal loan out last year in the month of July, 2006, for which I used to pay $2719 as monthly EMI. I made total payment of $70,500 and closed the loan in month of July 2007, but they didn't update in their system. Because of that, every month my cheque was bouncing since I was not keeping sufficient money in my account and ICICI used to debit $250 for every cheque bounced which was happening twice or thrice times in a month for consecutive 4 months. Contacted ICICI for my refund since after continuous follow up with Citifinancial they gave me closure letter in the month of December. I visited ICICI along with the letter for reversal of my money that has been debited from my account, they clearly refused saying Citifinance will refund my money, but they (citi) also denied to refund my money, telling me since money was debited by the bank they will refund you. Inspite of making the entire payment and closing the loan amount, I paid excess amount for which no one is bothered since that is my hard earned money resulting in mental harrasment for getting unwanted calls from them 5 & 6 times a day.

Jennifer of Lakewood CO (12/29/07)
I've been a cardholder of Citibank MC since 1993. I had good credit until several months ago. In August I experienced loss of income, family illness and death, and personal illness. Foreseeing financial disaster, as I had no work lined up and was compromised in crisis, I called my credit cards to establish payment programs, as I was unable to continue the amounts due at that time. Citibank was entirely unresponsive. In July they had charged me $85 for a membership fee which had not been included in original terms. From August 8th to today I initiated 13 conversations with representatives in their Customer Service, Collections, and All Stage Unit departments. No one offered any reprieve. I canceled auto payments, but they reactivated--bouncing. I was then charged for the returned payment. When the next one cleared, it caused my other checks to bounce, this, and other banking difficulties I'd been having, caused the bank to close my account.

I reopened the account days later, but the damage had been done: hundreds of dollars in fees, and countless difficulties that pop up whenever you try to pay by check with an account closure on record. In response to my attempts to reach a workable payment arrangement, Citibank raised my APR to 31.49%! This drove the total on my bill over my credit limit. I sought credit counseling, and the counselor reviewed my situation and recommended bankruptcy. I'm trying to avoid that however, so I have repeatedly requested a payment plan I can work with; but Citibank employees repeatedly say, we're not offering anything right now, and that it's company policy. It's infuriating. I try to be nice to the poor souls working for this corrupt system. Today I closed the credit card account.

Compounded financial difficulties: Charged around $1400 in a year of compound interest and fees; bank account closed due to unauthorized auto-pay withdrawal leading to multiple bounced checks; hundreds of dollars of NSF bank fees and check fees on the other end. I was at the point where I had only $10 for several weeks, and I had to decide between gas and groceries. I ate all the canned beans I had in the pantry. Not so great for a person not feeling well already. Exhaustion as I attempt to get work and resolve the financial crisis and deal with illness, loss, and hardship, and those cruel people at Citibank.

Bruce of Jamestown NY (12/29/07)
Citibank seems to be scamming their credit cardholders as this practice happens monthly. I received my credit card statement yesterday (12/28) and noticed that my due date is 1/8. The closing date on my statement is 12/19, and I am not privy to when then actually sent it to me, as conveniently, there is never a postmark on their envelopes. This gives me a window to mail out a check of exactly 2 days for them to receive it by the 8th-- considering it took them 9 days to get it to me. It appears this is an intentional policy of Citi to trap its customers (victims) into late fees and finance charges. They claim a 20-day grace period that is really non-existent, and at the very least misleading.

Apparently they are not satisfied with just the transaction fees they charge your retailers. I can only imagine how this affects the revolving cardholders. Quite the scam they have created. Citibank will notice my use of the card approaching zero, and as soon as my rewards are used up, goodbye to Citi.... amazing what that rhymes with. I feel compelled to notify the NY attorney general's office of their business practices.

Joseph of Highland IL (12/20/07)
A gasoline credit card was opened by someone other than myself during the time I was overseas on a military deployment. The company has refused to acknowledge that I was not the one who obtained the card. Citi bank purchased the collection from Texaco and I stated that the debt was a fraudulent item and that I paid it and asked that it be removed and that it is not longer an issue and to contact Texaco.

It was a fraudulent account opened without my permission and after 7 plus years of paying the account they are trying to ask me again to pay something I did not open in the first place. I have submitting proof of being out of the country and that I did not open the account with the origional company, Texaco, and submitted the same to Citi bank and this company is still demanding payments and the debt has been passed through 3 companys causing my credit report to acquire 3 separate but false sets information.

Neguin of Saratoga CA (12/14/07)
Citibank has never sent me a bill on time, and then when the payment is late they call and say that it is late. They are the worst institution I have ever encountered. They have never sent me a statement on time, and yet they want their payments on time. Please let them know that they are very unprofessional people,

I want them to stop calling me because they are the ones that are not mailing out the statements on time! If my credit gets affected I will have records, and they will hear from me.

Parviz of Lexington KY (12/12/07)
Transaction of payoff BALANCE for Total:$6000.00 was made, and my account with Hoovers furniture- Citi financial was closed on July 7, 2007. On October, 28, 2007 my account REOPENED for additional charge for two chairs! A table/ with 6 chairs for $659.84 had been included, already in payoff balance.  Why did my closed account re-opened on October 28, 2007 by Citi financial, with no notice and without my permission? How did Citi financial, after three months, with Payoff balance and my account closed with Hoovers furniture bill me $200.34 for additional chairs?

Jay of Bellingham, WA (12/10/07)
I have been a CitiBusiness Card customer for 2 years and used the card to create new Small Business. I have never been late on a payment, no missed payments, usually paid 2 to 4 times minimum.

I missed a payment due and Citibusiness called my work.  They told me that the missed payment had run me over limit, and a $341 minimum was now $1100, and that they had changed my interest rate from 12% to 30%. The lady from Citibusiness was very nice and stated that once I took care of the $1100, once it posted at Citibusiness, to call customer service and tell them I wanted the interest rate reset back to 12%.

I will be trying that, or try to come up with another line of credit to roll the $14,000 over to so that I can cancel this card. 30% sounds pretty extreme to me, and I had to get pretty vocal before the rep 'came up with another option'. The rep also said herself that I had a perfect payment history other than this one incident.

Karen of Pleasanton CA (12/09/07)
I worked through my bank, Bank of America, and could not understand the name of the person I spoke with because English was not her first language. After I paid off a balance of over $1,000 last month, they claimed it was received too late and charged me $39.00 late fee and $12.08 interest. I have had that card since 1984 and today it was cancelled because they refused to cancel the interest fee. I paid on time but because of the lag time between B of A and Citibank they expected me to pay the difference. I am going to visit their bank tomorrow and tell them how happy the person was who cancelled my account.

Jorge of Long Island City NY (12/09/07)
I made a complaint respectfully to a branch manager of Citibank. As a result of this, she has been closing my accounts, treating me as if she might call call other banks to tell them I am doing fraud, which is not true. I also sumitted an application to have credit and she called the underwritter to have a negative decision.;

I am suffering harrassment, discrimation, psycological damages and my business has been hurt due to what seems a vendetta against me.

Michael of Pembroke Pines FL (11/29/07)
I was charged by an Internet Dating Service and disputed the charges. The company responded by showing log-ons that occured as they had initiated the contact with me, not me with them asking me to log on. I again disputed the charges as not authorized by me. I called Citi Bank several times, but they have not resolved the dispute and continue to add on finance charges and the like to what were a couple of charges for $24.95 bringing the bill to over $500.

This is stressfull as they refuse to end this situation and as far as I know, charges will accumulate for the rest of my life. I will not pay to resolve this dispute as I owe nothing nor will I pay an attorney to resolve this dispute. But I will take part in any class action suit against Citi Bank.

Annette of New York NY (11/26/07)
I initiated a international wire transfer with Citibank on November 8, 2007 in the amount of $1000; I was told it would take 5-7 business days. I called at least 9 times to follow up on the status. Each time not only was I on the phone for a minimum of 45 minutes but I was told to wait a few more days. On the 23rd I called again and was told that they would place a trace but that is could take up to 2 weeks, and was told the only other option would be to stop the check and reissue a new one, but that would take longer. I asked the representative to place the trace at the time. Today I confirm with the transfer recipient and he had still not received the funds.

I decided to cancel the transfer and wire the funds through Western Union. When I called today the Citibank representative told me I would lose the fees associated with the transfer or that I could wait a few more days. I asked to speak to a supervisor and was placed on the phone with Gilbert, ID 8600976, who told me that I would lose the fees and would only get back the amount they buy back with the foreign currency (Mexican pesos), that it would take 2 to 3 weeks, and that I would not know how much I get back until it is credited. After thoroughly explaining my situation he said there was nothing else except for me to wait a few more days with no guarantee. Due to the urgency of the situation for the ill person awaiting the funds, I had to cancel and lose money.  My investment in Citibank's transaction service was not fulfilled, causing stress plus lost money that I feel they should fully refund.

Julie of Livonia MI (11/20/07)
I made a payment of $1,000 to Citibank on November 15, 2007. The money was cleared through my bank and deducted one day later. On 19 November, I called Citibank and asked why they deducted money from my account but still had not applied it to my balance. They informed me that they wait two business days to do so and that my payment would post at midnight EST November 19. As of November 20, this still has not happened. Thus, my money was deducted from my bank account and not applied to my loan balance until at least 5 days later, which allows Citibank to continue to charge me interest.

This seems an unethical way to charge additional interest (which is computed on a daily basis). I am currently stationed in Baghdad, Iraq. The Michigan address above is my permanent address, however, for the time until June 2008, my mailing address is in Baghdad.

Vishal of Chennai OTHER (11/17/07)
i applied for a Citibank gold card and received it but with wrong photograph. This card was invalid from its issuing date, and I never used this card. Still, monthly statements have been continuously sent by Citibank despite my informing them several times and asking them to close the account. The statements are showing an increasing balance for me to pay, which is wrong.

This is mental harassment plus will cost me if they don't clear it up.

Rahul of Glen Allen VA (11/04/07)
In June 2007, I received a flier along with my monthly statement that if I use my Debit Card for $90, connected with my Citibank EZ checking account, I will get back $30 back as rewards in 3 denominations of $15, $10 and $5. I spent $90 from my Debit card during the month of June. When repeatedly following up on the rewards in the months of September and October, 2007, I was told that there was no such offer that Citibank is aware of and they can't give me my rewards earned. On 10/24 I noticed that my account has been credited with $15. When I inquired with customer service about this credit, I was told that this was the rewards credit. I feel quite helpless and will like to know what options can I pursue at the moment.

I used my debit card from Citi which I have never used since and lost the rewards I would have otherwise earned with other banks. Many hours were spent over phone being on hold, and there was no help provided by customer service. I was told by Citi that because I had not kept the flier I had received 4 months back, I was lying and there was no such offer.

Norma of Ocean Park WA (10/31/07)
Citibank sent me a useable MasterCard in the mail without my application or request!  Then I had to call a phone number, where they ask my social security number to close the account!  In this day of credit card fraud, mail stealing and stolen information no lending institution should be just sending out unsolicited credit cards.  It could have been accessed in a dozen ways and I would not even know about it!  WHY are the regulators still letting credit card companies get away with that? I have been in collections for 30 years and I know how easy it is for a consumer to get stuck with a debt they did not creat because of careless credit card companies.

George of Apopka FL (10/30/07)
I open an Ultimate Savings Account about 8 months ago with CitiBank. I was not interested in checks. They did send me a ATM card which I had no real interest in and put aside. Recently I wanted to log on to the website. I did not recall my user id or password. I figured I could call, confirm some info and be on my way. It was 1 AM so unfortunately I got India.  I went through several service reps with difficulty understanding, but the end result was that without my ATM card and number, they could not help me! So I guess if you lose your ATM card, Citibank holds your money forever. According to their customer service people, the ATM card is the only way to confirm your identity.

I guess the money can sit there and collect interest. The only real loser when I eventually free it up is Citibank.

Mary of Dorchester MA (10/27/07)
My mother's Citibank credit card has a $199 charge from MWI Essentials. She told Citibank that she did not buy or order or even know what this company sold. Over time we thought it was taken care of, but they sent her name to a collection agency and said they were going to take her to court. She is in her late 70's with medical problems. Before this charge appeared this account had a zero balance. I now to hear Citibank is the one that gave MWI Essentials the names and account numbers of their customers. My mother's credit has been destroyed by this.

Dale of Mesa AZ (10/26/07)
On October 26, 2007, I received by mail a Citi Mastercard allegedly replacing a Macy's card issued by Department Stores National Bank. I have never opened an account with Macy's and do not plan on doing so. Citibank shows me having opened an account, though with a zero balance, which I did not authorize and will not be responsible for. I called Citibank and advised that I did not open this account nor do I want such an account. They informed me that they will close the account and would follow it up with a letter advising me that it was closed by me on this day. I asked for a letter stating that the account was not authorized by me in the first place; they refused to do so. These companies should not be able to arbitrarily open accounts on consumers without prior authorization by the consumer.

I used cell minutes and my time to make the call; it's possible that there could have been a balance due on that account for something I did not authorize.

Meghann of Tempe AZ (10/26/07)
I was sent a Citibank MasterCard (to an old address in a different state) in October of 2007 with credit line of $7000. I did not apply for this card but was told in the accompanying letter that it replaced my Macy's card. I have never had a Macy's Card. There is no Macy's listed on my credit report (as of October 2007) however Citibank IS on there. I tried to cancel the card with the number provided in the letter, but it was not canceled. I had to call customer service who determined that it was in fact still active and assured me that it is now closed. I will call again in a week to make sure it really is this time.

I now have this credit card on my credit report that I never applied for and had to cancel immediately. This is infuriating. It also upsets me that this card was sent to a former address in a different state. Citibank has negatively affected my credit rating and put me at risk for identity theft.

Kathy of Federal Way WA (10/26/07)
Citibank canceled my 23-year-old credit card with Macy's replacing it with a Mastercard without my consent. My perfect credit history of 23 years is now gone. They are being deceptive in their practice of switching cards without consent.

I have now had to cancel a new card with Citibank. It is the ONLY card I have had that length of time. All this happened because I did not open a junk email form  Citibank.

Eleni of New York NY (10/14/07)
I transferred a balance onto my Citiband credit card was was charged a $500 balance transfer fee!! This is unacceptable and despicable behavior by a credit card company. Are their practices not being monitored by ANYONE?

They told me that I was responsible for the fee.

Margaret of Watertown MA (10/06/07)
Citi Bank recently mailed me a MasterCard, complete with my name, expiration date 7/10, credit line of $8000 and cash limit of $2000. My complaint is I did not request this card and never filled out any forms for this card. At first I worried that someone had used my personal information to request the card, but then I noticed the message that reads: If you do not want the CitMasterCard, call 800-432-0282 and we will close your account . How dare they send me an unrequested credit card in the mail, and then tell me I have to call if I want to cancel! With all the identity and credit card theft today, how can a bank do this? This is wrong and dangerous!

Fortunately, no one else accessed this card...or that I inadvertantly trashed the whole envelope before I opened it, or this credit card could have been used unlawfully.

Randall Weinstein of New York NY (07/10/07)

I had a passbook savings account with California Federal Bank. CitiBank acquired CalFed in the fall of 2003. In the spring of 2007, I learned that sometime in 2004, CitiBank starting charging my account a monthly fee of $6.50. I was never notified of the change in terms. I never received statements from CitiBank.

I have been e-mailing back and forth with the branch manager but still have not received an accounting of all the fees I have been charged. I estimate them to be approximately $250. I contacted the OCC and was told that the bank must send a minimum of quarterly statements for any EFT eligible account. When I asked the BH branch manager about this he told me that since there has not been an EFT into or out of this account, they do not send statements. I don't understand how a bank can get away with not being in compliance with banking regulations.

Debra of Millerton PA (07/09/07)

I received loans through Citibank all four years of college. After college, I had the loans in deferment until I could find a job to afford to pay for them. They informed me that I would be billed for the interest. However, they just sent a notice of loan adjustment and tacked on the interest to the principal balance.

My loans have sky-rocketed. They gave each year of school it's own separate loan. I have four separate loans (each at about 9% interest). My interest is almost as much as my principal. It has ruined my credit score as I am literally paying a typical mortgage payment for my loans. Loan companies laugh in our faces because of my Citibank Student Loans!

Jennifer of West Lafayette IN (07/05/07)

I was told that my balance transfers would remain at 2.99 and 4.99 for the life of the balance. Low and behold, suddenly I looked like a risk to Citibank and my rates were immediately raised up to 23.90% and then finally to 32.24%. I was unsuccessful in reaching any customer service rep or account supervisor who cared one hoot that I had been a long-term customer and had never missed a payment.

Suddenly, I was dealing with an attorney's office that wanted the full $14,000.00 payment owed.

Jacqueline of Los Angeles CA (04/12/07)
On February 15, 2007 I received (3) stop payment notices in the mail that I did not authorize. On February 17, 2007 I received (1) additional unauthorized stop payment in the mail. So I call the 1 800 number spoke to a customer rep to try to see what's going on. I explained that I did not authorize these stop payments and I need to know why this has happened. He suggested that I go to my local branch and ask to speak to the branch manager. I did as suggested and I explained this whole story to the branch manager, Ms. Sanchez. She in turn tells me that I did indeed authorize these stop payments because some of my check numbers from 1994, (13) years ago are surfacing again and it is in our system to issue a stop payment when they surface.  tried to convince this woman that this is an error on Citybank and they should help me clear all this up with the four creditors involved. She told me that she is sure that Citibank sent me notices letting me know that these checks are still out there somewhere. Recently I opened a small savings account for one of our former foster children. On the day I opened her account as her custodian, all of my accounts social security number were accidently changed from mine to the litlte girls. I discovered this by accident when I called the 1 800 number one day and a live person told me you have successfully completed the automated portion but we need more information so they wanted my social security number. I was told to go to the branch and get it corrected. Of course, I went to the same branch where I opened the account. Right away they started to pass the buck and said to us, you need to go to your home branch. We told them but the account was opened here why do we have to go back over there? We did, the error was corrected, and the home branch told us that the other branch could have fixed the problem but they flately refused. I am going to continue to persue this matter with Citibank. I am not letting this get by me. Citibank has yet to prove to us that we requested any stop payments on any checks in 2007. They won't show me anything in writing, they have no recorded phone conversations with me or my husband requesting this to be done nor do they have any confirmations that they issued to us to support these stop payment requests. I have asked for their help and they have out right refused to cooperate so that is why we are filing this complaint. 

Three of my creditors have forgiven us for the problem that Citibank caused us because of our long standing with them. I asked the branch manager for a letter to one of my creditors, (my electric company) whom I have had for over (34) years. Who now have demanded a $215.00 security deposit because of the check they received from me and Citibank has put the stop payment on it. As a result of this my husband went today to pay the $215.00 and it was refused because we are now flagged as a risk and the electric company will no longer accept checks from us. We now have to go back tomorrow with cash or cashiers check. I have talked to (3) different branch managers and (3) different Citibanks, I have called the 1 800 number customer service at least (4) to (5) different times and no one will listen to me. My good credit with my electric company is ruined all because of my wonderful banking service at Citibank. The thing that hurts me so much is that we have been banking with Citibank for over 34 years for as long as we've been married. We have experienced (4) name changes: Citizens Savings, California Federal, 1st Nationwide and now Citibank. 

Phyllis of Royal AR (02/27/07)

I have a complaint about the policy and procedures of Citibank. I have a Citibank Platinum Select Card that I obtained while remodeling my house. It has a $17,500 line of credit and I had 0% interest for a time and then it was supposedly to change to 9.74% according to the notes I took when I obtained the card and line of credit. About five months ago the 0% evidently ran out and was replaced by 11.99%. Then I received my bill for January and discovered that the interest rate was jacked up arbitrarily to 23.24% and the payment was $150 more than usual. When I called I was told that I received a letter in December, which I never received and do not believe was ever sent, telling me that my interest rate was being raised because of a credit check showing that I owe too much money to other places. I am in the process of paying off these debts one at a time. I have never missed a Citibank payment. We had a contract and agreement at the beginning of taking the card and I keep copious documentation. They said I had to terminate the previous agreement, which obviously meant nothing anyway, to get the 11 % rather than the 23.24%.
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Thomas of Sedona AZ (01/31/07)
Nearly two months , three certified letters and over a dozen telephone calls just to close out a certificate of deposit with CitiBank ! And to add insult to injury my check with my funds had a stop payment put on it and another check was mailed out yesterday ! I hope the second check clears !

Why is CitiBank allowed to get away with such incompetent behavior towards their cutomers ? I have a fixed income and have health problems. I depend on every cent I make just to survive !

Kila of Tobyhanna, PA (12/20/06)
I have a Citibank Simplicity card. The selling point of the card was that if you make a charge during any period, they will waive the late fee if you make a purchase.

Well I made a payment a few days after the due date. I thought it would be no big deal because the card has