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Citibank

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Ricardo of Fremont, CA November 9, 2009

I have been a Citibank card holder since May 2001. I consider myself a responsible credit user with basically no history of late payments. As of February 2009, I have an Experian Credit Score of 730. On 10/24/09 I received a letter from Citibank reducing my credit limit from 25,000 to 13,800. As of 10/6/09, my balance was ~13,500.

Joyce of Gilford, NH November 9, 2009

I received a letter dated Nov 1 2009 stating that there were changes occurring to my account terms. I don't think I've done anything to have this occur. They are now charging me 29.99% APR effective Dec 20, 2009 on any purchases or I can close my account and pay it off at the current rate/time. They're saying they have to "adjust their pricing" when these are the lowest interest times in decades and they're currently making lots of money off my situation. Didn't they also get huge from the gov't bailout? Is this legal? If I close it out I think it will effect my credit. They just upped it a few months ago without my request too and now they're doing this!

Scott of Santee, CA November 4, 2009

Citibank too closed my Shell Mastercard and jacked up my rate from 9% to over 20%. They think they can do anything to anyone whenever they want. I recommend a class action against them. I have contacted an attorney in LA that does class action.

Andrew of Thurmont, MD November 3, 2009

Have been a loyal customer with Citibank for over 8 years with never a late payment. Just was notified that Citibank is raising my credit card interest rate to over 29%!!

Amy of Carroll, IA November 2, 2009

Citi closed an account that had been open for over 4 years without notice, saying that there was too many accounts with revolving credit on my husband's credit report. This is the only credit card we carried and the only one out of 4 major bank cards that had a balance as of the date CITI closed the account. We received no letter until I tried to use the card and it was denied for purchase. They promised a letter from their legal department explaining further which policies were used to make the decision, but the letter never came and we were offered no grevience process.

I would like more information about what I can do in situations like this. Is there any one or a business you can refer me to that can explain the processes credit card companies use to make these descisons. When I asked one of the representatives about whether closing the account would negatively impact the credit score, she said "I am not a credit education specialist maam." So I asked if they had a credit education specialist I could speak to and was told they held no one like that on staff. So frustrating!!!!

Ron of South Lake Tahoe, CA October 31, 2009

Citibank has unfairly raised my interest rate to 29.990% for NO reason. It was explained to me that yes, I was a "good" customer for over 10 years with no late payments or over limit situations but that everyone was receiving the same rate increase. If I won't agree to the new extortion rate I can close my card. This is an unheard of increase reserved (in the past) for people who were in default situations and it's insulting and economically threatening to me at a time that I simply can't afford ANY increases like this.

Steven of Ellicott City, MD October 28, 2009

Citigroup Inc. is not honoring their terms and conditions when you sign up for a credit card through 3rd party websites. They claim the offers are expired though the websites do not indicate an expiration date. The 3rd party websites direct you to Citigroup's website where you apply for the credit card. The application web pages and the terms and conditions web pages are digitally signed by VeriSign as belonging to Citigroup Inc.

I spoke with a supervisor at Citibank, Shauna (ID 8195), to try and resolve this but they refused to honor the terms and agreements on their VeriSigned page. There is no expiration date on the Citibank pages.

Eleni of Oakland Gardens, NY October 27, 2009

They are charging clients an "early termination fee" of 75 to close an IRA Brokerage account. It's unfair practice. We shouldn't be penalized to close ANY type of account. They should be fined.

Ingrid of Venice, CA October 27, 2009

I received a notice that my Citi Drivers Edge Platinum Select credit line was being decreased due to "negative information" from the consumer credit agencies. Mind you, I have impeccable credit with everyone except with the Bank of America with whom I have been trying to get a mortgage modification with. I have not paid my mortgage to these because they would NOT even speak to me about a modification until I was 90 days delinquent. I am doing what they told me to do!!! My husband was shot in our home, by an intruder and I am trying to manage my finances and have been doing a darn good job of it except for this BofA debacle, and now other creditors think they have they right to screw me!?

I called Citi Bank and they basically won't do anything until my credit is "fixed". I am appalled as "when my credit is fixed" the last thing I am going to want is a card from them. All of a sudden my credit, which has been spotless for 30 years and more, is being put under scrutiny by people who have nothing to do with what is really going on.

Javier of LOs Angeles, CA October 23, 2009

I had two credit cards wih citibank. One of them i had an apr of 12.99% and the other a 9.99%. Both cards were raised to a 29.99% without any reasons. I have never been late, i have an excellent credit history. It is discusting how this banks are using our bad economy as a reason. After taking in so much of our tax money to help this banks now these banks are turning around and screwing us this way. I am going to file for bankrupcy. Im not giving this credit card banks any more of my money. I thought having good credit was a good thing.

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