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Citibank

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Margaret of Watertown, MA October 6, 2007

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 of New York, NY July 10, 2007

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 July 9, 2007

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 July 5, 2007

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 April 12, 2007

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. 

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