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Tram of Lincoln, NE August 24, 2007

Tram of Lincoln NE (08/24/07)

About a month ago, my account with Chase Credit Card had a balance of 1200 and some odd dollars. Earlier, I had received a promotion from Citicards for 0% interest on a balance transfer. So I went online to apply for it but later figured out that it would take too long to process the application and the balance transfer fee. I immediately called them and told them that I want to cancel the application. I was told thtat the application was cancelled and so was the balance transfer. I stopped worrying about that and transferred my balance to another card that I already had. Today, I received a statement from CitiCards saying that I owe a balance transfer from Chase and a transfer fee.

I called Citicards back and my call was taken by the most pointless person on the team. She put me on hold for about two or three minutes and came back to tell me that there's nothing she can do. I asked to talk to her supervisor but the supervisor turned out to be worse. She talked to me in an attitude that I was wasting her time. After talking to her, I just wanted to burst. She was one of the rudest person I have ever talked to.

Kenny of Lynn, MA August 3, 2007

Kenny of Lynn MA (08/03/07)
I signed up with Citi Diamond Preferred 3 months ago because of the promo (F1K7) that they ran which stated 0% BT for life as long as I make purchase 2 times a month. I've met all the required disclaimers and never late on my payment, but on my 3rd bill, Citi put the balance from balance transfer to a rate of 14.240%. And when I called CSR to dispute the rate, CSR claimed that the 0% rate expired in June which is not true. Citi even reminded me to make 2 purchases, on their on billing statement, to continue the 0% BT. <[>You could google Citi promo code F1K1 you'll see it is 0% for the life of BT. Even with this informations, CSR still come back and said that my BT rate is the Purchase rate of 14.240%. Anyway, I paid the bill in Full today and Canceled the card.

Colin of Trumbull, CT April 25, 2007

Colin, Cpa of Trumbull CT (04/25/07)
Citibank is a fine bank. But I have a particular card, the CitiBusiness card that goes out of its way to try to trap the user into paying late fees, as follows:

My March 19, 2007 statement had a requirement that I pay the 325.17 balance due (or at least the minimum) several days before the end of the next billing cycle (rather than just allowing my payment to arrive DURING the next billing cycle). In this example they demand the payment be in hand before April 14, 2007 so that they could have it posted to the account no later than the 14th. Allowing for mailing times, that means I must have it mailed to them a week before the 14th -- it must be in the mail to them by April 7th.

That leaves a short window of March 20th to Aril 7th to receive the bill in the mail, review it and make out a check to pay it. Only 19 days in this example. But CitiBusiness has a policy (that they absolutely deny when I call them on it) that they are holding back the mailing out of the monthly statements so that regular postal delivery is made each month by 8 to 15 days after the month close.

So now reduce the tight 19 day payment window I mention above by 8 days and we're talking I have a MAXIMUM of 11 days to open the statement, review it and pay it.

What if I happen to be away for a week's vacation? Or otherwise out of town for a mere week or two? Figure it out, CitiBusiness knows that the tighter that make the payment window, multiplied by millions of customers each month that they are raking in the extra interest and late payment fees.

The result of the bank's pushing the payment window tigher, is that interest and late payment fees are more likely to be assessed.

Lori of Webster, MN April 10, 2007

Lori of Webster, MN (04/10/07)
Interest rates on my platinum card are up to 30%. They said they could not lower it because I recently had something bad reported to my credit.

William of Mancos, CO April 6, 2007

William of Mancos CO (04/06/07)

On March 2, 2007, two charges (1568.30 & 1649.70) were placed against my credit card by persons unknown to me in Cochabomba, Bolivia. Citibank alert contacted me on my verification that the charges were not by me, the Citibank agent stated he would close the account. I agreed. A new credit card has been issued but the charges continue to be posted to the account.

I have twice mailed notarized statements (affidavits) and a follow up letter describing that neither I nor my family has any association with the charges. I have used the Citibank customer service email 3 times to request the bank remove the fraudulent charges from the account. This has not yet happened. By certified mail I have asked Security services to phone me. This has not happened.

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