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In February, my landlord contacted me when they had not received the rent check. I immediately contacted CHASE to let them know that the check was stolen and deposited. The representative emailed an affidavit which my landlord and I notarized at a local ATM branch. I was initially told the investigation could take 90-120 days, but then told that because it was a Chase to Chase transaction, it would take 30 days. We are now in May. I have called numerous times and have been escalated to none other than the Escalation Department. Every time they tell me they will send an email to someone and to call back 3-5 business days later. Of course, I call back only to explain the situation again and be transferred to the same Escalation Department that has no updates and can only tell me that it is in process. 


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I came to Chase located on Grand Ave in Chino, CA with a coupon of $500 bonus, $300 for new checking & $200 for savings. A banker, Brandon helped me set up both accounts. The whole time that he'd opening the account, he did NOT mention anything about direct deposit. He said that I just have to maintain the required balance and after 90 days the bonus will credit in accounts. So I waited, after 90 days I only received bonus on savings, NOT CHECKING. 


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I decided to open a banking account again after a year because I had such a bad experience with another bank. I thought I would give Chase a try because of all the great things I was hearing about them. I have only had my account for a month maybe less & the fraud prevention team placed a restriction on my account. They froze all of my funds & will not release them back to me. The customer service of Chase Bank employees is non-existent. From the banker to the representatives on the phone none of them are helpful in resolving any of my issues. It has been over a week since they froze my account and are telling me that they closed my account & will send a cashier's check to me by mail in 7 to 10 more business days. This is by far the worst bank & banking experience I have ever have. When considering banks please stay away from Chase.


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I received a postcard (several, actually) to get $200 by opening a business account at Chase. I have a personal account there and they don't do anything, positive or negative, so I figured it was as good a spot as any to open my business account. I went into the Carmel Valley branch in CA and found it was surprisingly busy at any given time. Never anyone standing in line, but always people waiting for personal bankers. My banker helped me open my business account and when I inquired about the $200, said it wouldn't be an issue. I said for the initial deposit of new money, I would withdraw from an external account that I had linked to my personal account and then transfer those funds into my business account. A robot would see this as 'NOT' new money, but he assured me that if that happened, he would take care of it.


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I forgot my wallet at home, and took a ride with my 16 years old to his game, after his game, we decided to go to Dick's Sporting to pick up some of his football gears and didn't think of any thing as I can transfer the fund into his card and we should have no problem, but that was wrong. Well money was transferred and our purchase was around $580.00, card kept declining, unreal, then we just bought $200 purchase and that went through. Mean time I called the customer service why this card is keep declining. I kid you not, the time me and my son were on the phone for 25 min.


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It was a horrible design on the Chase's new website. I am thinking about moving out from Chase because of the website if no one does anything. The old website was 1000 time better than the current one.


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I have an outside mailbox, and sometimes my bills are late. I asked Chase to reverse the late fee, and the concurrent interest charge and readjust the bill, which they did. I am at Chase everyday. I have savings and investments, and pay my bill immediately, unless there is a complication. I live across from the bank, and run in traffic to pay the bill. They also have started the practice of charging you fees after the bill is paid. After paying a bill I considered paid in full, I am charged 0.73 cents. I would pay a balance of $73.00, but not 0.73 cents. I asked to have the account closed. I was told I would not get "rewards". Spending thousands of dollars to get a few "rewards". Very predatory. I am in the Chase panel, and this is unconscionable.


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As a business owner that deposits large amounts of cash, I was upset to find out that Chase charges its clients for making cash deposits. As a result I spend a considerable amount of time depositing cash thru the ATM's located inside and outside the branches. Today one of the ATM's malfunctioned. There is no way to know how much the machine accepted and no cash was returned. After speaking with 4 different "bankers" it was clear no one cared. But they gave me a 1 800 number to call. Tomorrow I find a new bank.


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Two months ago, about $400 was stolen from my checking account from an ATM. I reported the fraud minutes later. I found out later that day that two men were arrested for card copying/withdrawing money in the same bank, same town where my money was taken. I submitted the news story and requested Chase contact the bank where the fraud occurred. They said there was a 'note' to do so.


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I'm so called banned for life with absolutely no reason. This bank is a joke. Someone had been trying to steal money from me. You'd think the bank would protect you and help you fix what's going. Wonder if someone is using my name and how would I found out?


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Waited in line last Friday to make one $10,000 deposit into my business account. Unfortunately I dealt with a very uninterested, and apathetic teller named "Sarah". Although she could not seem to find my account, she had absolutely no interest in helping me. But to be fair, she excelled at sighing, rolling her eyes, and communicating her irritation with a condescending attitude. Bored by her behavior, I asked her to give me my check back and went to another teller who was quick, friendly and efficient. I then asked to speak with the branch manager. Was informed that Jeff ** out until Monday. 


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This new website is awful, at best. It is clumsy to navigate, and since I have multiple accounts it is a huge drain of time. I called Chase and was switched from person to person, each claiming to be the "top supervisor" of his department. Furthermore, it was at times difficult to understand them. Additionally, Chase has chosen to place an advertisement for a cab company in the middle of my statement. All I want is to go back to the original site. However, I was told that Chase spent a lot of money on this new design, and that they will not allow customers to use the original one any longer - no matter how inconvenienced they might be. Nice customer service, Chase!!


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On Saturday April 8, 2017 I went to Chase Bank ATM Machine to withdraw cash because we were in the process of moving our home that day to a new location and I needed a little bit more money to pay the man and his company for moving my house. Well lo and behold I tried a withdrawal for $300 and it denied the transaction yet took the $300 plus a $3.00 fee for using the ATM so they took $303.00 out my account but the machine DID NOT dispense my cash. So not thinking about anything wrong I initially thought it was just an error so I tried again for $200 and the same exact thing happened. They took $203.00 out my account but DID NOT DISPENSE MY CASH AGAIN. 


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Chase took over the loan of my house from another bank. In the past I had automatic payment with the original bank I signed the loan with. Chase took over the automatic payment as well without informing me or asking my permission to charge me directly on my bank account. Since I didn't know about the automatic payment, I always set my monthly check on time. 3 or 4 times in 2016 they cashed the check and triggered the automatic payment in the same day. I ended up paying my loan twice. (The extra money were deducted from the remaining capital I need to pay.) When I asked to refund me about 10K Chase initially said yes and then they refused. 10K are a big deal to me and my family so I filed a complaint to the Attorney General and Better Business Bureau. Chase has score F at bbb.org -- now I know why. I'm in the process of refinancing my loan since I don't want to deal with Chase anymore.


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Today 04-13-2017 I went into the Chase Bank at 1697 Pitkin Ave on the corner of Rockaway Ave. the Brownsville branch in Brooklyn NY, to withdraw $6600.00. The teller who assisted me by the name of ** told me she wouldn't be able to give me my money because it hadn't cleared but that I can withdraw 3,000 from the a.t.m or $2,700 over the window. I asked her why and she told me that there were a series of quick pays that hadn't cleared but the 2,700 I had in the account previous could be withdrawn or $3,000 at the a.t.m. I withdrew the 3,000 from the a.t.m. and left, a minute later the fraud department calls asking me if I made the withdrawal and an earlier purchase, I tell her yes. I then ask how much money is in my account to withdraw? She states 2,700, we hang up and I go to the branch on ave. L and Rockaway Parkway where I ask the teller how much am I able to withdraw? He states everything all 3,900.


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Received a $3200 check as payment for a horse that I sold. Deposited it, was told it was fraudulent, they took the check out of my account and then charged me $24.00 for depositing a fraudulent check. When called they left me on hold for 45 min only to tell me that they couldn't help me. What a horrible bank indeed.


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Mistakenly selected an older balance transfer offer online with a higher fee online than what they are currently offering me at a lower rate. When realizing this and calling Chase immediately to correct the mistake the customer service people told me they will not help me adjust to the better offer they made me and I will have to pay them the higher rate. This was a simple mistake because of a poor web page setup by Chase... You can be sure if they made the mistake in data entry and gave me extra money they would take it back.


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I took out 2,000 from the ATM inside the branch. When I got home to pay my contractor I was short $560. I called the branch and they said to file a report and gave me an 800 number to call. I called a recorded line and the lady never put a claim in for Me on Friday when I called. Wednesday I decided to call the branch manager and he said there were no notes on my account and had to open a new claim. I called back the 800 number to talk to a supervisor and he said to me that my claimed was declined because I did receive money and they aren't going to credit my account for 2,000. I had to explain for the 3rd time that I'm only looking for the money I was shorted not 2,000.


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I had my mortgage with Chase for 6 years. I needed to modify my loan due to an over 200.00 a month increase. After being approved for the modification and told they would tack on the difference to the end of my loan, they sold my mortgage to Carrington "Mortgage". Carrington is not a mortgage company, they are a debt collector. When I started my modification process the woman helping me through the mountain of paperwork told me that if I was not behind on my payments they would not modify my loan. She advised me to skip a payment, so I did. Then 3 months later she advised me to skip another payment. So I did and I was approved. 


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I have been on the phone with this bank for 4 hours and on both Coasts. I even called the 800 number. All I am trying to do is put my husband's name back on our account. We need this to help us get utility help services. The acct. was opened in CA 18 years ago. 3 years ago we moved to NJ. The only reason we kept the acct. in CA is because my husband's VA disability check is directly deposited in there. If we had to move it to NJ, we have already been told it could take a year. We depend on this deposit to pay our bills. We can't go without this money for 1 month, let alone a year. 


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Of course the day I went open an account they were so nice. I told the lady I really didn't want overdraft because of the fees and she said if I put money in savings they would take from it for NSF. So based on that SPECIFICALLY I put money in savings. Sure enough my rent payment met with NSF in my checking and I ended up with fees from the apartment complex because of it - way more than overdraft protection. Call the bank and get sent to someone with an accent that you can't understand. Call back and the people at the bank do NOT CARE about what happened! So much for customer service!! So I had money in the bank and they cost me $200 not doing what I was told would be done and I am not supposed to be upset or CARE! They didn't care and were rude! 


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We have been using Chase bank for several years and have four accounts with them. On Tuesday, 3-28-17 I logged into my accounts and saw that the original account was overdrawn $3900. My wife had been scammed and had deposited a check for that amount from a company then drawn it back out the next day. The overdraft was from that fraudulent check. We went to the bank and explained what happened and told them I would get a check from my 401K and pay it back.


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Chase will just Close your account without any reason or notice. Happened to me TODAY. Received a Quick pay for 200, yesterday afternoon, paid out 175 in expenses, woke up the next morning and overnight Chase reversed my quick pay, forcing my account negative, and then told me that I committed fraud. I spent my entire lunch hour on the phone with them. They refused to give me a reason for closing my account and screwing up my finances. The MOST insulting part of this was, I went into my local bank branch in NORTH EVANSTON after work and the banker LIED and told me that the person who send me the quick pay didn't have the money available. I KNOW THAT IS A LIE. It's not even POSSIBLE to issue a quick pay to anyone without the cash being in your account. 


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I have been a client of Chase Bank for several years I have 3 accounts and 4 direct deposits. Checked my banking this morning being charged 34.00 overdraft fee for 5.43 purchase. I deposit thousands and they are going to charge me 34.00 dollars for 43 cents over 5 dollars. Time for me to move on. No one in that company could justify this for me.


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I applied for Auto Loan. They denied me twice in 4 years apart. I am their customer for long time. Their service are REALLY SUCK and **. They made my hard credit inquiry to lose my scores. They said they will help me and they keep on lying. DO NOT APPLY THE AUTO LOAN. They just want to make your credit inquiries worst.


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Money was fraudulently withdrawn from my Chase Account. I reported it, closed the account and opened a new one, with new passwords etc. Was told there was now a Fraud Alert on my Account. Called the credit reporting agencies to freeze all my other accounts, etc. Chase set up new "verbal passwords" on my account and told me no activity would be permitted unless I was called and asked for the verbal password, as extra security. 


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I bank with Chase since 2003. Always could say only very good things about the bank. But one day I stopped by the branch to make a deposit, while I was waiting in line, I checked my account and found one cashed electronic check for 26.09$. I was surprised. That check even wasn't on my last name and was cashed from my account. Same day personal banker was very helpful. My account was closed and opened another. That was 12-02-16. Today is March 20, 2017. I still didn't get my money back. I kept calling to claim department: answer was that it will be credit during 10 business day. I just wondering how long takes to do customers resolution? I just lost the trust of this CHASE bank!


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So I wanted to support a friend out of town and instead of wiring money, he chose to give me his account number to deposit money into. I went to my own bank to withdrawal cash so that I wouldn't have any issues with a check hold on his account and the money not being available to him immediately. Upon making it to the teller window at Chase Bank on Briarcliff Rd in Tucker, GA, I was told that since I wasn't a CHASE bank customer, I couldn't deposit cash into the account! Now, not only has this taken three (3) days to clear from my account as a debit purchase (lol), they also charged me a $3 fee!!!


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Banked with Chase for many years. Recently had an account closed due to bad check through online transaction. They informed me I would have to come in and open a new account, so following their suggestion I did. So the next day opened a new account with new cards etc, then when I checked online banking for my SS check deposit a few days later could not access. Called the phone number listed. They informed me this account was also closed. In the meantime the SS check was deposited. I checked with SSA, so I checked with bank again where is my money, they said accounts are closed and no check no money. When I supplied them with the trace information from the Feds they all of a sudden found it. Oh yeah then told me check is in the mail, so I asked when it was mailed. They said 7 of March. Now keep in mind my check had been deposited at exactly 11:59 the 2 of march.


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I bank with Chase, my employer also banks with Chase. Every pay period they manage to place a hold on my paycheck regardless of the fact that my check comes from their account and they are able to tell if funds are available (in which our company has never had a problem). I call almost every other week to ask to remove the hold and they promptly do and also advised that I will never receive an overdraft fee if they have placed a hold on my check as it is a result of them. Well this week they decide to reorder the way my transactions took place (I check my account every morning). The lower transaction was in place that morning and later in the afternoon I personally made another transaction that shouldn't have taken place until the following day but it didn't. I received a text a 10:38pm that night notifying me that my account was negative.


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On Thursday March 9, 2017, I went to ATM at Chase Bank to withdraw money from my debit card. The ATM didn't dispense my money, instead I received a receipt telling me the ATM had malfunctioned, it also said to go into the bank and they would help me. I don't bank at Chase. I have a Brinks prepaid card. I get my paycheck deposited into this card and I always go to this Chase ATM to withdraw my money. I pay 3$ for withdrawing 300$. I went to teller, she said she couldn't help me because I didn't have an account and I would have to go to Brinks. Well I did this. I sent Brinks a copy of the receipt. They told me Chase took my money. It was withdrawn from my account from Chase... I don't have my 300$ that I worked hard for. Where can I go to have someone help me... Can you help me get my money that someone stole from me.


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I went into a Chase Bank and signed up for a checking and savings account and a high school account. I told the banker multiple times that I wanted paperless and that I did not want my information shared. I returned home and went online and made my account paperless when I noticed it had not been done. Over the next month, I received no less than 3 letters from Chase, with my full account numbers and account history. I called the personal banker and I asked why this was happening, and she told me "It would then take another 3 months to correct." I then found out that my information was being sold to third parties and that the boxes for "limiting sharing" had not been checked, and it would take "4 to 6 weeks to stop the sharing"!!! I called no less than 6 branches and managers, with no help, and was even asked by one "why I wanted to be paperless and limit my sharing of my info”!


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I hired a contractor to reface our kitchen. They took our money and barely did any work. I contacted Chase to get some of our money back. I had to deal with (in my opinion) complete incompetents in Mumbai, India who did not care one bit. They drag the dispute process out for 6 months, demanded I cancel the contract, demanded I send in about 100 pages of information including another bid, every single email, the contract, receipts, etc. We also sent in pictures and an itemized list proving they did not do the work. We gave them everything they asked for and proved our case to the last detail. Chase still ruled in the other companies favor saying the contractor had not promised us a refund!!! We don't think they ever read what we sent in. We had to deal with their dispute dept. in Mumbai, India the entire time. They were entirely incompetent in our opinion. They made a horrible situation even worse. 


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BEWARE that Chase.com only allows customers to download 3 months of transaction history into accounting software like QuickBooks... You can NEVER go back and pull data from ANY transactions older than 3 months = your ONLY option is to manually enter each transaction based on PDF versions of prior bank statements... I contacted Chase.com's online support and they could NOT help/resolve (this is a long-standing corporate policy). This unacceptable/inexcusable policy makes Chase services for small business owners and accounts completely unworkable. STAY AWAY from Chase!!


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I got my auto loan through Chase. I did everything online and all was "ok" until their web system screwed up and tried to pull payment from another account (that I'd never even used before when I'd been making payments on the same account for months). This resulted in a $25 fee from Chase and a $24 fee from my credit union - and it was THEIR mistake (defaulting to the wrong account to pull from). 


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We have 6 years experience with Chase bank and 4 times we have fraud transactions and only 1 time Chase resolved. This is bank with absolutely don't care about your issue. For example: 3800$ withdrawal from our account by fake check, no signature and during 12 hours we called to Fraud department about that and they open claim and denied because that company be our insurance broker 2 years ago. (We cancelled relationships with them 2 years ago for same reason.) 2 years later, they change name and using information from our check (12 different companies have the same problem with them). Chase security level and customer support absolutely zero.


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On January 3, 2017, I made the mistake of placing an order for two free trials of skin care products. In that order, I agreed to the two shipping fees of $5.95 each. Those two charges showed up on my account as two different merchants located in Tennessee. On January 10, 2017, two additional charges showed up on my account to two different merchants located in California. Both of these charges were for right under $100 apiece. When I discovered these charges, I immediately called Chase and the charges were credited back to my account and I was provided a new debit card. Yesterday, on February 28, 2017, I received a message from Chase stating that their decision had been reversed, and the charges would be displayed on my account once again.


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Every month, it seems I have to change my password. It seems Chase Online suddenly won't accept a PW that I had. Customer Service walk me thru and verify. I went in to change my pw this morning (I Did Not "forget it"), I put in my correct PW from last month; it: "changed" it. Very sloppy...


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I called Chase Fraud Prevention, 1-800-307-3161, on 2/22/17 at 7:18am and I spoke with a Kathleen ** (however you spell her last name). We listed all of the fraudulent transactions we noticed and I had a total of 5 and she had a total of 4. Instead of double-checking with each other to ensure we have the correct fraudulent transactions she refused and continued on about cancelling my debit card and sending a new one.


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I don't know if I misunderstand something here, but it I just discovered that the Chase Credit Card Ink is charging me interest for purchases just recently, in the last few days conducted. Here's what happened: (My Ink card billing cycle is mid-month to mid-month) In early January I made a purchase for $1,616.57. In late January the statement came (Closing date 16th). I paid 800 dollars before the due date leaving a balance of $816.57 unpaid. In February as recent as February 15th, one day before the closing date I made some business purchases of around $6,500. I got the February statement and on it I see interest charge of $115.13. What? That can be I thought, $115.13 in interest charges for a residual balance of $816.57!? In the back of the statement on the last page it says under -31 days billing-. Balance subject to interest rate $4,520.14....


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Absolutely outrageous behavior by manager Marcela ** (Sepulveda, North Hills, California, branch). After a decade of going every single month to pay my credit cards every first of the month, she refused to waive an eight dollar fee to cash a 1000 check. I guess they do not care if they know you or not, they treat you like a thief, when they are the thieves. We are cancelling our cards with them. Don't bother opening an account with Chase, you are better off with US Bank, who do treat you right when they know your face.


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I had a second mortgage on my home with Washington Mutual. Chase took over and assigned a new account number. I tried to refinance and was refused for debt to loan ratio. Checked report to find out Chase reported two second mortgages to the big three for the tune of 90k dollars. I brought it to their attention and they said they had fixed it. Seven months later I was refused again. Two seconds still on credit report. Chase said they had no record of a second, second mortgage. Filled out paper work for them stating I had one loan. They promised it would be fixed. Tried to refinance again and was refused for debt to load ratio again. A second mortgage still on credit reports.


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So I have my account set up for no over drafts to go through. Then I started to get over drafts going through on my card, so I called and asked them, "Why are you allowing these charges to go through If I set up my account for this not to go through in the first place." Then they tell, "Oh we can allow charges to go through" if someone tried to charge my account with my checking account number and I can't say I don't want charges to go through. So then a debit charge goes through and I have it set up for no debit charges to go through if there are no funds. So I called and they tell me, "Oh that's only for debit charge of one time. But if you set up recurring debit charge for every month we can let that go through" if they want and I can't stop that. So I said, "What is the point of setting no overdrafts to go through, if you're telling they can do what they want anyway." So they did nothing to help and basically told it was on me, Now I have left Chase. They are horrible.


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Chase passes repeat fraudulent credit card charges on from vendor even though timely notified of fraud. Horrendous customer service. Escalation level is even worse. Major competency and integrity issues. Management does not respond. Then sends out bill collectors trying to intimidate. Cannot be trusted.


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I have banked with Chase since 2004. In 2014 my daughter opened a high school checking account and in 2016 she converted that to a college checking - due to issues with claims, which has nothing to do with me or my accounts, Chase decided to close my daughter's checking but at the same time also decided to close the savings & my checking account as well because my name was attached to all accounts.


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I want people to be on alert with Chase Bank and the reason I say that is as follow: if you write a check and don't have enough money in the account they will post the checks at 11:59pm but you will only be advised by your alert settings after 7:00am. Why they do that because they want to take $34.00 overdraft fee. Because they know you can't go in 60 seconds to the branch to deposit money to cover the overdrawn account. That's why they pick 11:59pm to post all the checks. It's like they do it on purpose to take your money because they know you can't do anything about it. It's wrong and it's not a practice that they should be doing to their customers if they value them in any way. Shame on this big financial institution. This is how they treat their customers no good.


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Account cancellation with no explanation. So I had a Chase account in 2014, that I had closed. Then recently I decided to open a new account with them (worst thing I've ever done). Anyways I spoke with a Chase rep and they informed me that I would be able to open an account with them and all I had to do was go to a branch with 25 dollars and they will open the account. And so that's what I did but instead of $25 dollars I deposited $100. So 2 days later I tried to check my balance on my online account and I was told that my access was suspended! 


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Not Happy with Chase. Chase bank has been deteriorating for a few years. My latest experience is being charged $8.00 for a cashier's check. I have never paid for a cashier's check when I had an account at the bank. Also, Chase had a very good online bill paying application. They totally changed it around with no explanation to one that is so user unfriendly that for the first week or so, I couldn't figure it out. They have me pretty hooked with the bill paying, but about one more negative surprise from them and I will be gone. Anyone thinking of switching to Chase, beware.


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Most ridiculous customer service experiences I've ever had. They have ZERO record of my credit card - which I closed FOUR months ago (only to open another Chase account with rewards). How can it appear on my credit report, I can show two years of payment history and an institution of that size cannot find me? I am horrified.


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Asking Chase to close IRA and they want to charge closing fee. They can't provide any proof of such fee. I have my paperwork from the time I opened the account and no mention of closing fee. They can't point it out either.


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I have had the same problem many people here had. You rely on the information reflected on the Chase website or app and they clear a bunch of stuff in the middle of the night so they can charge overdraft fees. I have been with the same bank over 20 years (through 2 buyouts before becoming Chase) and every year the benefits are less and the fees are more. Disney rewards are not worth dealing with Chase. There are better options.


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Chase is the worst!!! My account was compromised and all my funds were wiped out. Someone called the bank and changed my email and password; according to the bank. So, Chase advised me to close the old account and open a new one. They said they would investigate the fraud and credit back my funds. I filed my claim on Monday, January 23rd. I still have not received a cent of my money and it's January 31st. The bank credit my account (old and closed account); not once, twice but three times. NO apologies. No one is willing to help. I have bills and day to day living expenses that I can't meet because the bank's employees are a JOKE!!! It's like speaking to automatic teller; NO ONE CAN FIX the problem. They repeat the same thing over and over. This is unacceptable. Once I get my funds back I will be baking with a credit union.


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I deposited a check on Sat night, they told me will be complete by Monday, which I believed. Now is Tuesday morning, I called again. They tell me it will be process by Tuesday night before 7 P.M. Are you ** kidding me? I CAN NOT PAY MY LICENSE PLATE AND MY PERSONAL INSURANCE ON TIME. CHASE ** SUCK. I am going to quit everything with chase. ** garbage Chase.


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December 30, 2016 at 7;30 AM, someone sent continuous calls to my cell and home phones while sending constant texts to my phone and email so I was distract and could not review alerts. The criminals transferred $3K from savings to checking and withdrew all the funds from ATMs in New York. I live in Wisconsin. When I went on online to change cell phone numbers, I noticed the fraud at 9AM. I went immediately to the Wisconsin Chase Private Client banker to close the compromised accounts, surrender my debit card and open new accounts.


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I had a very good impression about this company but after I experienced of trying to create a card from here. The worst experience ever. The customer service was horrible. Every time I try calling in they had attitude and seem like no one wanted to help. However, finally got to speak to the supervisor who was actually good that tried to help (if it wasn't for her I would not even wanted to give 1 star). Also, she was helpful to talk to different department. However, different department especially credit department was so rude. Therefore imagine if you had a card here and wanted support no one will be willing to help. SUPPORT IS HORRIBLE!!! Don't ever EVER be a client here!


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Repeated calls from an overseas call center identifying itself as JP Morgan Chase regularly calls my home phone to report that I have an unpaid debt. Initially made attempts to reach the JP Morgan Chase Fraud Unit but no response despite bank online presence indicating it provides oversight to victims of identity fraud. These callers are particularly sophisticated in their fake pitch. What makes these calls an upsetting experience - no way to contact Chase to investigate if they are aware of '847-426-9203' as a fake phone call center. I have never had Chase account and never would based on inability to reach Chase fraud.


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After being charged high interest rates not only purchases but balance transfer amounts, I paid my bill in full to avoid any further interest charges on the due date and Chase Bank charged me another month's interest. Citing that those interest charges were from December even though I was already charged December interest and the entire balance was paid in full which included December interest. I asked them to remove the interest charges and close my account. They wouldn't do it so now I have to pay an additional $77.63 to these scumbags and believe me, if I can get actually get them to close my zero balance accounts (which I'm sure they will attempt to leave them open), I will never do business with Chase Bank again.


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I am getting pretty fed up with Chase bank and Chase bank app. I had gone to grocery store early evening Jan 20th. I got an alert after I purchased groceries because I have it set up to notify me when account is lower than 50.00. The alert said 44.06 in account. I went home for the night only to wake up to another notification alert at 8 am "Your account was just overdrawn 132.00 now" -154.00 overdraft? Then Monday I put 100 in my account. Spent five dollars at the gas station. The debit card ran through fine. But yet an hour later another notification: "Your account has been just been overdrawn..." And just now as I'm sitting watching tv another alert! "Your account has just been overdrawn" and now it's saying 164.00. 


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Not only do I always seem to have an issue with processing my card, after them sending me a new one, I tried going online to pay my bill but seemed to be locked out of my account. Couldn't open the account because I didn't have the new card they sent me. Finally got the card and opened my account only to be presented with a late fee. Being that I was a few hours late for my payment and told them the ONLY reason I could not pay was due to being locked out my account that you could clearly see. I did not have a phone available so could not call regarding the situation. Been a member for 2014, I pay my bill early and the one time I can't pay due to THEIR system error they would not refund the late fee. Real great customer service, definitely will be closing this account.


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I have never had to take 3 days off from work to deal with anyone they had. She absolutely has no business speaking with customers. She is the worst person and supplied zero help only a condescending attitude. I have been lied to by your supervisors about sending out the check to repair my home. The hurricane hit 3 plus months ago. I have had to deal with incompetent people in your awful insurance claims Dept. The bad part is I don't have insurance with you or ever would. I still don't have a check after calling day after day and sending doc after doc to that worthless Terry lady. My file says that all doc have been received but Terry says I need more. She wanted to argue with me as to what a contract is, she said "It's a quote." He is far too ignorant to understand what a contract actually is and your company reps and supervisors are a joke. I had to give one star. If I could give less I would.


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On 1/07/2017 went to a Chase ATM TO get money to pay a bill. I put my card in and requested $280.00. I'm not a Chase customer so it charged a $3 fee which I already stay away from Chase for that reason. The ATM told me to remove my card so the cash could be dispensed. For some reason the card wouldn't come out; mind you my bank card was just issued so that was not the problem. Then it gave me a piece of paper that said, “WE'RE SORRY BUT WE ARE UNABLE TO DISPENSE CASH.” FIRST thing I thought, dang I gotta go find another machine. Then I thought, I wonder if it debited my acct. There was another ATM There so I checked to see. Sure enough it took the $280 out of my acct. I immediately called the # on the paper only to be told I had to contact my bank. This was the weekend aft 3p.m.


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I open a Chase account on Saturday and deposit my check. I was told it would be available today. So I logged in to check the status and it did show the check was deposited and that I had an available balance. So I took my girlfriend for breakfast and when it was time to pay my atm didn't go thru. So I checked my balance and showed I was -100 and the check was on hold. So I called Chase and transfer me to loss prevention and told me that they couldn't verify the check that Bank of America didn't want to verify it. So I had to call HR department and payroll to let them know what was going on. They said they never had a problem before. So now my account is negative and will be on hold for 7 days as I was told by Chase representative.


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My husband went into the Hillsboro, Oregon Branch of Chase bank August 8, 2016 and opened a checking account with $500. He had a coupon that offered $300 if you had a direct deposit set up, so he had his social security check set-up for a direct deposit at the same time. In January 2017, we checked to see why the $300 was never deposited. I called the main customer service number, and all they could say was that the coupon was expired. No kidding! I talked to a supervisor, and she told me I had to go to the branch and see why we didn't get it. My husband went into the branch and talked to them, and of course, they knew nothing about it. We have the coupon, and the proof of deposit. 


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In a recent survey, 56 percent of Americans said they have less than $1,000 in their checking and savings accounts combined, Forbes reports. Nearly a quarter (24.8 percent) have less than $100 to their name. That being said, I think it absolutely horrific that the Chase customer is charged an overdraft fee when in fact a direct deposit has cleared PRIOR to a check being presented. I am aware of the whole vague CHASE "SPIEL" as to why it's okay for Chase charge overdraft fees when the money is available, as follows: West Coast Time is different than East Coast Time - re:CHASE end of day. The order in which items are presented to the Chase Customer's account is not the reflective in real time as to what CHASE Representative says is real time posting. This has happened to me so many times that I can't give an accurate number. 


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I closed my account with them after I am done with the last payment in Oct 2016. Now they said someone stole my identity and has been opening account in my name. He knows everything about a lot of Chase clients. He must of being one of their employees. Because one manager told me that the guy is from Elgin, IL and I got some calls from Chase rep and it showed on the caller ID Elgin, IL. I honestly cussed the guy and hang up. Anyway, every rep tells you different things. They are something else, stories makers, liars. Never deal with CHASE.


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I went to pay my rent. They put it in the wrong account. I called the local branch where I made the deposit. No one answers the phone. I called over 20 times in 2 days and they never answered. Making a trip to the branch was a waste of time. Rob the manager was rude. He said I needed the receipt from the day before and he would reverse the transaction. I drive home and get it. Upon my return Rob refused to reverse the transaction. He was so rude! Running home for the receipt was a 40 minute round trip. He was so rude other employees walked away shaking their heads.


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Chase associates are unprofessional and heartless. My father was hospitalized and wanted to combine all his assets before his death and the type of customer service we received from the Flushing Main Street branch and from some department on the phone was the most disgusting type of service we have ever encountered. My mother and Aunt went to the Main street branch to ask for help and they would not help at all or give any advice because they said my father would have to walk out of the hospital and come to the branch himself. Ultimately I was able to help my father in the hospital to transfer his funds for him online but then Chase called and left a message wanting to speak with him.


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My account was locked by Citi. I called and spoke with someone in India who gave me a playbook, disinterested, and somewhat rude response and told me it would take up to 4 days to resolve. After pushing hard against the nonsense, I spoke with someone in the US who resolved the issue in 15 minutes. Then two paychecks from different employers were received by Citi but not deposited in my account on the same day as the temporary lock. The team in India said it was the fault of the separate employers (one check each), and not because of Citi's temporary account lock. I explained that their position cannot be correct (reasonably, it makes no sense, we've been doing this for literally years) and Citi would not budge. Now I have to hope that the two separate employers can resolve the issue or perhaps stop the checks and issue new ones.


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I have been trying to get my accounts transferred, have provided all the documents including 'notarized' death certificate of my husband and have received no reply to my emails or any help from Citibank in the recent months. I am now worried about my accounts and my money. Need help urgently from someone at Citibank responsible for their India operation.


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I had purchased what I thought was an authentic YSL Kate Tassel bag back in December from Lord and Taylor online retailer. The bag was a fake. After submitting proof from 2 separate authentication sites/persons they granted me a temporary chargeback only to take the money back about a month later. Since this bag was counterfeit Lord and Taylor is violating Federal Counterfeiting Laws and I am entitled to a refund without sending that piece of garbage back. Citibank has Counterfeiting chargeback code (4853) that they can use to refund my money. 


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I have had nothing but nightmare after nightmare just trying to use my own money to buy a car. They messed several transactions costing me to to lose $5k for almost a month. They never helped recover my money. I got nothing but run arounds and lies telling me they would mail me this and notify about that and never did. I had to go to the dealership and handle the dispute myself in order to get my money back. This bank again has horrible customer service most of them barely speak English well enough to understand they do not help and they make it very difficult to use your own money. They are playing with people's lives when it's more than $500. They should do their job and help their customers.


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Worst bank I've seen in my life. They closed my account because I deposited a check under my friend’s name, my friend and I signed it. They closed the account and froze all my money for more than two months without a reason, or an error occurred in the cheque. Why did the rest of the money freeze and I lost a lot of buying a house because of this reason.


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I attend college outside of the United States of America, and was advised by several people and institutions here in the USA that Citibank was the best card for large international purchases. Instead, it has been unmanageable chaos for the last six months. For the first two years, and most of the third, I was able to pay my monthly tuition easily and with no issues. Suddenly the payment stopped going through, and I had to spend over an hour on the phone getting the last three payments through every month, and now Citibank is refusing to let me use my card to pay, stating that it is the College that is having difficulty, even though they (Citibank) fully admit that they (Citibank) are the ones who cannot process it. 


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This bank is the worst bank there is. I opened my account 2 days ago. I'm a ** hard-working business owner. I opened a personal account and soon as I deposited the account they closed my account. I deposited $1500 in cash in the account. I was going to deposit 3000, thank God I did not. They stole my money, closed my account and the customer service center is horrible and can't explain to me what's going on or why this happened, no notice, no nothing, no warning, no reason, just stole my money. The next day I had a appointment to open a business account with them, I will not be giving them my business at all. If you're a minority, stay far away from this bank far away. They will take your money, close your account without reason and fight on giving your money, stay away. This bank is ran by thieves...


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All I wanted to do was close my account and it has been next to impossible. Their online app makes it almost impossible to add money to accounts. I can’t say anything about the business itself but online services are extremely horrible


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Insufficient Verification in place for customers with no US phone number. I have a checking joint account which has been dormant and for which the bank charges $30/month. I decided to transfer the balance and close the account. Since the first attempt I made multiple calls, spent over 10 hrs, was hanged-up on, and was told that I cannot be verified as I do not have an American phone number. I am a Canadian citizen with a Canadian mobile number that all Citibank employees with an exception of one employee from the Fraud Dept. could not reach me. I was told 3 times that the transfer is OK to go through only to get an email that it is on hold and I need to call the bank for verification. So, I called again only to hear that they cannot verify me with my Canadian phone number. I was also told that my September bank charges will be waved but when I logged in, the wire transfer appeared on hold and the account had a negative $30 charge. 


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In June 2023 I opened an online savings account by depositing a check to me from a 3rd party. After processing the check Citibank determined it to be fraudulent and blocked my account. I spoke to the issuer of the check who informed me the check cleared the bank. Citibank is now holding the funds until they speak to the issuer of the check. I have gotten the runaround from Citi and even though they have the funds they will not release them until they speak to the company that issued the check. It has been 3 months. The amount of the check is $815.00. I will not ever recommend them to anyone for any online account. Their fraud department is the worst. They are not even offering me an explanation why they are holding and not releasing the funds.


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Been a card holder almost 9 years. Got an email today with a notice they cut my credit limit 9k with no reasonable explanation. Called spoke to a supervisor and they did random credit check. Never have I ever heard of this!!!! So with no explanation I told the supervisor close my account and I’ll do business elsewhere. Not to mention the supervisor did nothing to help or offer anything. Citi is garbage.


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Over 400 unauthorized Google Play charges in less than two weeks without notification. Worst credit card ever. Forced to pay. Referred to Don't do business with Citibank. They have been impossible to reason with. Looking for a class action for their practices.


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I opened a personal check with Citibank. I never received my new checkbooks. At some point later on someone wrote a check for $550.00 or so. I contacted them by phone. They told me they needed to open up a new checking account and close the other that was compromised. Months later one deposited a check into that old account that Citibank never closed as they told me. Now they put a block on all of my accounts and told me they will be closing my accounts in 60 days. Ms. ** from the fraud department on Aug. 25, 2023, told me I needed to go to the branch where I opened up my first account. Please be careful doing business with Citibank. My experience with them has been horrible.


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I have been banking with Citibank for ten (10) years. It has become one of the worst banks ever, poor services, Philippines customer services with crying babies in the back, poor banking services. I finally quit banking with them as they not only charge for banking but the services are so bad that there is no value for money. In Massachusetts they closed all branches from one day to another but even their customer services does not know this and they refer you to go into their branches. Worst bank.


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Really disappointing customer service. Sequence of events:- 1. Aug 7 - Customer service representative says that issue is resolved. 2. Aug 16 - Customer service representative hangs up the call. 3. Aug 16 - Customer care representative says the information given on Aug 7 was incorrect and they cannot do anything about it. This is 100% bad experience. Being a customer for 10 yrs never expected that I will have to write this. Pathetic & disappointing.


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Got this card for my wife to get her some credit started in her name. They only gave her $500 limit, but I figured you have to start somewhere, and it would be raised later on as she used the card. I pay it off as soon as she uses it to make the credit available asap so she can keep using it. CitiBank take the money out of my account within a day or two but takes weeks to apply the funds back to her account. It shows paid but it also shows her credit limit depleted even though they have taken the funds out of our bank. Don't bother calling customer service because the calls go outside the US to reps that speak broken English and are as useless as customer service can be. NOT WORTH DOING BUSINESS WITH.


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I called Citi to cancel my husband's ATM card after he passed and they said they could only block the whole account, not the ATM card specifically. Since it is a joint account and I still needed to receive paychecks in his name, the account is exposed to fraud risk and knowing Citi, they will probably try to contact him on his dead cell number if a fraud instance does come up. I hope someone at Citibank's risk department sees this review so future widows don't have to deal with this.


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I was offered a promotion to open a checking account, meet the requirements of making multiple deposits and use my ATM card for $1000 of purchases to get 60,000 rewards miles. The deal said after meeting these requirements, WITHIN 30 DAYS I would have these miles credited to my account. I accomplished all these requirements, which Citibank agrees, to not be told that the wait period is 90 days! That was not the deal I was offered! I made travel plans based on having these miles, which will now not be available to me. I have escalated to the bank and they just keep making up new rules without honoring the email promotion I received.


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My wife and I opened a savings and checking account. The next day CitiBank closed all accounts and are holding our funds for at least 30-60 days. What a nice scam! All’s we did was transfer funds from another account. We have talked to numerous departments and went down to the local branch. They simply quote their policies. I ask what policy we broke they can’t provide that information. Although by law they must provide that information. We asked for documentation on their policies that we broke. Again they wouldn’t provide that information which is also required by law. I hope the government will start an investigation on what is clearly fraudulent. In the meantime until the CitiBank returns our funds we cannot provide even basic needs for our children. Just a reprehensible organization and I hope this review will keep others from experiencing the same situation.


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Website said open a checking account and found the account within twenty days and maintain the balance for 60 day to get a bonus. Called Citibank to confirm the offer at the time of account opening but after six months of maintaining the account balance, was told by the banker no bonus offered.


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Citibank telephone customer service is inefficient because the representative are ignorant and have a room temperature IQ. If you have a choice of banks do not use Citibank for this reason. In addition the representatives are rude.


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Open an eligible Checking Account from 4/5/23 - 7/23/23 and earn a cash bonus of $200, $500, $1,000, $1,500 or $2,000 when you complete required activities. To unlock your bonus, deposit qualifying funds within 20 days of account opening and maintain your balance for an additional 60 days starting at the 21st day. Only new checking customers can take advantage of this offer. THIS IS ALL FRAUD. AFTER YOU MAINTAIN FUNDS, THEY WILL SAY PROMOTION CODE IS NOT VALID


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I have the AA Advantage credit card with Citi, I got this card for airline purchases and to gain points with American Airlines. I had a flight cancellation while I was at the airport and when I tried to purchase new tickets (the whole reason I have this credit card) it was getting declined. I was told it’s because of the size of the purchase and they were trying to protect me from fraud but when I’m on the phone with them they could not verify my identity for whatever reason and told me I had to wait for a letter in the mail in order to verify my identity and continue to be able to use my card. I ended up having to use a different credit card to make my flight purchases. Do not use this company. Their fraud protection service is a joke and you will regret it!


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I signed up for a promotional bonus of $500 to which 9 months later I still do not have. I called for the fourth time today in 5 months. The last person I spoke to was a supervisor who insured me I was compliant and should have received the bonus so he expedited it and I was suppose to have it in a couple weeks. 3 months later, still no bonus for opening a checking account. Today I close my account along with my credit card, I can not trust a bank that operates like this. And one more thing I had to call because my account kept disappearing from online and I had to call twice to troubleshoot to no avail. Never again.


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If I could give negative stars I would. Moved to the country 7 weeks ago. Have a joint bank account with my husband. His account card works, mine does not. I am up to my 5th card. They keep telling me that there is no issue. When you call, you have to be verified - fair enough. First they ask your card number, then they ask for the last 4 digits of your card number - despite just giving them your full number (last 4 digits included), then they ask for your account number, then your name, then to list all signers on the card. 


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I have been with Citi since 1998 (I will no longer be with Citi after this). I initiated a wire transfer (online) early Friday (I have wired funds in the past without issue). The wire appeared to go through. On Saturday, I received an email telling me my wire was on hold, and they needed to verify information. Spent a ton of time giving them information such as what the wire transfer was for, how I received my wire instructions (literally, who gave them to me and how), how many computers I use to check my account (the wire was going to Bank of America, to an American company in California). They did not even credibly verify my identity, but, given the probing questions, I confirmed it was Citibank. I finally get confirmation that the representative will contact the Fraud department and have the wire transfer finalized. 


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Updated on 07/05/2023: I'd give this bank credit card a minus 5 if I could. After being told 3 times that a dispute that I had closed was reopened (3 times) without anything being done. I finally called the dispute department (after many requests for a phone #) and they told me that the online chat never did what they said. These chat people are offshore and DO NOT UNDERSTAND AMERICAN ENGLISH! Frustrated at best it took over 6 weeks to get my dispute settled in my favor since I never received what was purchased. I was so shocked that I locked my card and will probably close it down the road due to THE WORST CUSTOMER SERVICE I HAVE EVER EXPERIENCED FROM A CREDIT CARD COMPANY!


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I opened an account that they closed due to a check deposited. However the account was not closed like they told me and 6 months later my son's DOL PUA check was deposited. They lied about having the funds and when I demanded verification the funds were sent back to the DOL. They admitted to having the funds. However they would not release the funds. After 3 years I still can not get his money and they took the funds out of my account and put them into their account. I have proof anyone wants it **. My son tried to commit suicide after he was unable to pay his car payment and lost his tools and apartment. I blame them for his mental state and want to see them answer for this crime. Email me **.


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I opened an account with Citibank. Been with them for almost 4 months, but this week my account was frozen and it has been "under review". Was told it would take 24-48 hours, but it has been 4 days now.


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Very bad online system to use, has unprofessional customer service (average 5 calls to get things done properly, hard to understand their English because Indian accents), and don't keep their promotional awards. Trip customers into money pool and hard to get money out. Would not recommend it.


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I am traveling internationally and opened checkbook for promotional offer and to have debit card to use while traveling especially to a single country. They did not honor the promotional deal after I opened online as instructed and then I found out this week that the country I will be in no longer has Citibank ATM’s so I end up having to pay the international fees using other banks. You get a robocall answering machine when you call and it is very difficult to get a human being on the phone for support. I do not advise anyone to use Citibank. They are a total scam bank.


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I recently applied for this shitty credit card and regretting now as I tried using this card to book airline tickets and it refused to do it and put a fraudulent alert on my account even though I put a large purchase notice in the system.. After doing multiple calls to the customer care they basically follow these useless steps again & again with no luck validating- 1. Do you have any other credit card that we can use to validate? 2. Any other citi checking account or debit card - It does not work either. 3. Alternate phone number- Why would anyone have 2-3 different phone numbers. 4. After all these failed, they send you some physical letters which never arrives in your mailbox.. I have been in lookout for that letter since long and I never received it.. This system is totally ** up.. Save your time and do not apply for this credit card.. I have other different credit cards and they have no such ** issues


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I asked to have my account closed twice and they didn't execute the request correctly, then charged me an annual fee again, and would not waive the fee, so it cost me $99 to close my account. Honestly, still have no confidence that it is done correctly now. I would not recommend this financial institution to anyone for anything. There are just too many better options out there.


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I recently had an experience with Citibank's customer service while trying to resolve a denial problem with my new credit card. Unfortunately, the level of service I received fell far below my expectations, leaving me feeling frustrated and dissatisfied. One of the major issues I encountered was the lack of effective assistance from the customer service representatives. It became apparent that they were located in another country and seemed unfamiliar with the necessary protocols to address and resolve the issues at hand. This made the process of resolving my problem unnecessarily complicated and time-consuming.


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Applied for card from AA site, was suspose to get account number to use on aa site did not. Called aa and cut and they said we had to wait 10 bus days to get card and use it. By then flights will be gone. I can’t believe people pay 99 a year for this kind of service. Went to Capital One, got a card and access to use it within min. Don’t use Citibank


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I got my first business credit card through Citibank to help move money around. The time to use it came up while I was in the middle of moving and needed to squeeze extra cash out to get an investment to make some money that week and I had to pay down a $500 to complete the $1000 purchase and come to find out the hard way that Citibank transfers take 7-10 business days. I ended up going into debt with the money being taken out of my account, payroll hitting that week and unable to complete the investment so no money was made either.


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I sent the below request to the customer service center in San Antonio, Texas on March 22 and have not received a response. I then sent the same request to the address on the 1099 in Long Island City, NY on April 17 and have not received a response. Maybe I will get a response by posting my issue as a review. I recently received the enclosed IRS From 1099-C Cancellation of Debt for account number for calendar year 2022. This account was closed in 2019. Therefore, there could be no cancellation of debt in 2022. Furthermore, when the account was closed, the outstanding balance on the Checking Plus was 0. Therefore, there was never a cancellation of debt at any time. Please issue a corrected Form 1099-C and notify the IRS that the amount of debt discharged is 0 so that a Citibank error does not result in paying income tax on non-existent income.


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I opened an online CitiBank Savings account to take advantage of attractive interest rates. After opening the account, I made two deposits on separate days, one for $1,000 and another for $10,000 for a total of $11,000. The life of the account literally only had those two transactions. After the 2nd deposit I was unable to access my account and was directed to their fraud department. During the correspondence I was informed the account was closed and not given any specific reason for the closure and it may take up to 60 days for my funds to be returned.


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For starters they promised me for months that they would give me back my deposit for my secured card. Last week employee even took my bank account and routing info to deposit my deposit via direct deposit. I’m now being told that my deposit went to pay off my card and the amount I paid off was only late fees and interest, and that they won’t give me my deposit back. Yet why did they take my personal info last week? Seems a bit odd. Stealing customer's info and giving false information! If I was you I’d steer clear of this please! Go to a credit union!


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I have money held in a high yield savings account.  For whatever reason ... I cannot access these funds. No one at Citibank can tell me why. This bank is terrible.  Too big. Sloppy. Outsourced Customer service to people reading from scripts who suck at simple troubleshooting and communication.  I would caution using any of their banking products. They have very little means or manner of troubleshooting. You can in some instances run into trouble accessing your own funds.


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Citibank is offering promotional checking accounts. I unfortunately signed up for one. I had clicked on the link that was provided on the promotional page and signed up for the checking account that way. I then called immediately after to verify that I was signed up for the Promotional Checking account and was told yes. I then deposited money into the new account and waited. A few weeks ago I called to find out if my account was earning interest and was told no because it was a promotional account. 


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I opened a Citi Savings account. I deposited 2 checks. Both cleared and showed as such in the statement balances. Then I received a notice accusing me of fraud (intention to deceive). I called the Fraud phone number and multiple times spoke with people with heavy East Indian accents that I could not understand. They never identified themselves. They could not tell me what I was accused of - said it was in the fraud process. They kept asking me for the phone # of the person who wrote the (missing) check. This seems suspiciously odd, nor am I giving out anyone's private information. 


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I have been struggling with Citibank credit card since they questioned a payment to a landscaper three days ago. This kind of thing happened many times in the past and was simply cleared up with one phone call. This time, after more than usual effort including multiple calls and elevation to a supervisor, they restored my account and allowed the charge. Yesterday, they refused a charge to the same vendor. Despite escalating up several layers of management, I was told I have to wait until I receive a letter with a code, probably taking 7-10 days. This means all my recurring charges, e.g. internet and insurance, will be refused for 7-10 days. When I looked online to see why this was happening after over twenty uncomplicated years with this credit card, I found the Citibank credit card business was sold to Axis Bank in India in March 2023. I’m switching to Barclays for my AA Advantage credit card.


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It took almost THIRTY DAYS to receive my card in the mail. They would not review my application for the limit I was approved for, even though I called the same day I was approved for the card. Do NOT get a Citi card. There is more to this story but their customer service has worn me out. I am tired and frustrated. Heed my warning to not get a CitiBank credit card.


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My mother was hospitalized on a ventilator for 9 months and had no way to move cash to CDs except online. Citi gave her no way to add beneficiaries and rejected mailed instructions. Now that she has passed away, my family is stuck in a long, expensive probate process to get these funds because Citi refused to lift a finger while she was still alive. No staff there at the branches or online had any idea how to help. Citi's inflexible, impersonal, cookie cutter way of doing business could not handle this situation, costing us thousands in legal fees. On top of this, we found out that they auto-renew the CDs of the deceased. I would not recommend Citibank to anyone.


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I'm not sure what's going on lately, but people pay me as a freelancer and Citibank takes as long as possible to clear the payment (like way longer than merits the relatively small amounts). I have a check for like $400 for example - more than 5 days to clear and still not there yet. Same with direct deposits from companies. If you call customer service there is nothing they can do and no way to complain or find out what's going on. And to get to customer service human being you have to jump through hoops. I'm writing this review because it's got MUCH WORSE recently. I would change banks if it wasn't registered with so many of my clients.


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Citibank opened a new savings and I transferred a big amount to my savings; now they have blocked and closed my account with no notices and not ready to send check details. I begged them that I need money for hospital medication and release funds but the customer service new account fraud dept agent says me, "That is your problem and call us after a week to check status."


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For no apparent reason they single handed destroyed my life that I’m on the brink of bankruptcy after being a client for almost 40 years with no regard for the outcome and ripple effect they caused to my family and I. After being a loyal customer with no past history issues with any of my accounts and no prior knowledge I was treated like a customer with a bad history with their institution.


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They were sending so many promotional offer for credit cards and finally even I do not want this carp, somehow I took the decision lets apply for this time. After application 2 weeks nothing came then I called their customer care just to make sure they are in process or denied my application. The first thing CC person said, "Sorry due to some software glitch your card was not dispatched and we will release this today itself." After 2 days I got the card and I activated and then how to make online account for it, there was no instructions in the envelope which was filled of their papers, no papers regarding the scheme through which I got the card, like within some duration you need to spend X amount and then you will get Y amount.


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On December 1, 2022 I called Citibank to inquire about a Flex Loan. The agent explained to me how the loan worked, and I said it sounded good. She then continued to tell me more about how the loan worked, and at that point I said I was not interested. It seems that the agent approved the loan before our call was finished and when I said I was not interested. I now had a Flex Loan that I had not approved. I called December 2, 2022 to ask how to rescind this loan, since I had not approved it. I was told it could not be rescinded, but if I repaid the loan it would go away. On December 5, 2022 I repaid the loan in full, but it did not go away. I have spent three months calling and filing dispute letters, trying to explain that I had not approved the loan and that I had repaid it in full. No one would listen or try to resolve the matter. 


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I have a Costco credit card, hence the Citi account. Worst bank I've EVER dealt with in 30+ years. They changed the monthly account balance requirement, never let me know, and starting charging service fees to the tune of 25/month. I just caught this and you can't get past a 'bot' online which can't help you. I'm closing all accounts and if I have to drop Costco as well, so be it. I'll switch to Sam's or something - not worth the money I'm losing to fees they sneak in. I could easily maintain a larger balance but I have to be aware of it to do so. Shady bank. Bots for online help or you get a third world rep who can't speak English. Done with Citi forever!


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If you think other banks are bad try Citibank. They would close your account for any single reason, and they hold YOUR OWN MONEY until they feel like (thief) WITHOUT ANY EXPLANATION. DUMB BANK. I really Hope they go bankrupt and close!!!


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I have been a Citibank customer for 10+ years and I have finally given up hope that they will -- or can -- ever change for the better. A couple years ago I contacted an agent via chat about how I might close an account. The agent actually went ahead and closed my account without confirming anything! Worse yet, the agent didn't tell me I would be charged a monthly fee thereafter...


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Called Citibank because of a failed defense travel system which delayed a payment to Citibank. Due to a payment to them my card was cancelled although it was paid in full. When I called to see when I could use the card again to buy a ticket for a flight for permanent change of station orders, I was told "I am restricted from using the card for 60 days and it will not be expedited". Horrible Experience, the worst credit card company I have ever dealt with, this was a nightmare experiences with CitiBank and, I will never use them again nor any other cards related to CitiBank.


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Citibank offers better CD rates than other big banks, so I decided to give their CD a try. Unfortunately, after about 10 attempts, I was unable to open a CD account online. I went to the branch for help, and the personal banker was also unable to open the account for me either, so I had to wait for his phone call and visit the branch again. Finally, he got it sorted out and opened the account for me, but he did not mention that actually CD account required a much higher balance to waive monthly service fees. Nowhere in Citi's CD ads was this fact mentioned. When I found this trap, I immediately closed the account and lost my trust in this bank. I also demanded downgrading my account. The banker said he had done it for me, but when I received my bank statement in the following month, it showed my account package remained the same. I wonder how this bank created such a deceiving culture among its employees.


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Citibank online banking is often unable to edit or delete transfers between my accounts after 2-3 weeks which forces me to call them. The AI is not user friendly and causes one to call frequently. The customer service is outsourced overseas and unable to understand at time or assist. They just say the online banking is being updated. Can anyone recommend a better banking with functional customer service and an online banking system?


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When you call Citibank customer service, you are often sent to an overseas service center. The lines are very poor and the customer service people very difficult to understand. In doing a simple domestic wire transfer, I had to make more than 8 calls--after the online transfer had problems-- and had to hang up on most calls. Eventually, I called my local branch, where I got help. But when he had to connect me to an overseas center, I again had difficulty. I have many friends with accents and understand them, but people at Citibank centers are nearly impossible to understand. They need to speak slowly enough so we can figure out what they're asking. Later I had 4 garbled messages to call Citi Fraud Prevention but the number given was impossible to understand or did not work. Citibank is not serving its banking customers well.


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I know that Citibank has gotten some negative comment but personally, I couldn't be happier with the features, ease of use and terms they provide. I have a checking, savings and a Citi Double Cash credit card and after one simple phone call to their customer service over a year ago, they all operate flawlessly together. And, no, I'm not someone with a heavy financial portfolio. I've been down to zero dollars plenty of times in my checking account. But depositing any check, from any number of banks that my customers use has been 100% successful and the funds are available within seconds no matter what. Now THAT can't be said for any other bank. Personally, I find Citibank to be perfect for my needs and am really glad I decided to give them a try after Credit Union mishaps and ridiculous inconsistencies at other other major banks.


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The customer service couldn't be any worse. They know nothing and can help you with nothing. If you do not have access to a branch you are screwed. They hold money and customer service can't do a thing to release it. I wanted to send multiple Zelle transfers. They held the money and wanted me to wait 14 business days for it to resolve itself. I sent several wires to a title company for a home purchase and out of the blue they hold one of the wires. Customer service can't do a thing to help. They have limits on wire amounts unless you walk into a branch but they don't have branches hardly anywhere. They are worthless, really and truly. They have no inside information or authority. You will learn nothing new when you call customer service. I could be a customer service rep for them with zero training. I should have closed my accounts long before this review so shame on me for sticking it out with such a terrible company.


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I opened a checking account. I transferred monies from my other accounts to fund the account. Once the funds cleared, I paid numerous bills. The next morning at 8:00 a.m., my account was marked for closure. My funds are non-accessible. I cannot see my account information, transactions, where my money is, how much. My bills were not paid due to reversal, so I incurred reversal fees, late fees, and interest. 


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They did not honor their $450 savings bonus offer. All requirements were met. I have spent hours on the phone to customer service to no avail, always just get one excuse or another. Will never use Citibank again.


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Not Citi...** bank...Looting people's money in every way. You can't make an even a honest error with them for the first time even after being with them for years. They will impose charges anyways. Doesn't matter you talk to anyone, they don't have courtesy to waiver.


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Citibank is by far the worst bank I have ever used. They are a nightmare to talk to and just repeat everything the other says when I'm trying to ask a question. They "closed" my account without warning and then said it would take up to 60 business days for it to be closed. Because of this, MY money in this account is sitting in limbo for that long. Money I need to pay bills for. I talked to at least 5 different people and they could not care less about any of this. One of them even hung up on me. Please NEVER use this bank. Now I'm looking at being without a home. Thanks, Citibank.


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Wish I would’ve read other reviews before getting in deep with this company. They are wolves in sheep's clothing. Everything sounds good at first, but they’ll be the first to Jack interest and hang up on you. FOUR times I was hung up on in a row spent hours on the phone. They lowered my credit limit on accounts I had flex *loans* through…so don’t trust the loan part. It’s still a CC. Buncha crooks like Wells Fargo.


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I have called many times to resolve my situation. Today I spoke to 4 different reps and 2 of them supervisors. I was advised if I went to a branch they would release my money. The nearest branch is 6 hr, the supervisor knew this. Luckily I called and the branch manager advised they could not release my funds. They tell you whatever they want or hang up on you just to get you off the phone. They do not care how their actions affect you. I am also filing a complaint with Consumer Protection, BBB and the OCC


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I have had this bank all of about 2 weeks and it has been a nightmare. I can't add my card to Apple Pay. They keep suspending it. I tried change my phone number due to me moving they state. I have to send a letter in writing. Nothing can be done over the phone per their security procedures. I tried using my card for a couple bills. It declined. I call, "Oh we can't validate you by phone." Go to a branch which is 5 hrs. away or I have to wait for them to send a letter in the mail once received. Follow the directions on the letter. I would never recommend this bank to anyone not even my enemies.


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I was referred by another person to open a Citibank checking account. Other person was supposed to receive a $100 referral bonus - which Citi never paid and never even acknowledged. Both of us opened accounts with large sums of money because we were supposed to get a large bonus for opening the account. Citibank did NOT pay the bonus to either of us on time. They changed all the rules for me and told me they were going to take up to another 90 days to pay the bonus - above and beyond what was in the terms of the agreement (which I read very carefully). Do NOT EVER trust Citibank with your money or to keep it's promises and for the love of Pete, don't participate in any "offers". You'll spend hours on the phone with people that barely speak English trying to get Citi to keep its word.


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Citibank sent a letter to confirm my company. I assumed it was spam as Citi has never done this before. They could have requested the info on my monthly statement and I would know it's not spam. Without a reply they canceled my card (7 cards as it's a business account). Never told me they were canceling. When it canceled all the 'thank you' points were deleted. I was a customer for more than 30 years. After more than 2 hours being bounced from dept to dept, no one can help. Citi has no customer service. Adios Citi.


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They advertise above average rates and a 450 dollar bonus after 60 days for new customers. I made my deposit in August and am still waiting for the 450 dollars. I have been calling for 4 weeks not and continue to be hung up on, promised I will get my money soon, been passed on to managers and have a complaint file that I'm now being told they have so many complaints they haven't gotten to mine yet. They originally said the complaint would be resolved in 10 days then 20 then 30 and as of today still don't have an answer to where my bonus is. Put your money somewhere else, they are a horrible company with no customer service.


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Go to another bank. This bank has no (none whatsoever) customer service. Prepare yourself to spend a day on the phone being transferred to what they call specialists. You will be annoyed beyond compare. They have branch managers who refuse to pick up the phone, when you go to see them, they will refer you to the customer service telephone #, because it isn't their area of expertise. I am talking about a Business Account, I have closed my personal credit cards for this exact reason. Business Accounts are tougher to close out. Save yourself a lot of angst, and call customer service lines before you open an account with anyone. Their customer service telephone is just a loop of morons who keep passing the buck. The last one who said she could understand me was Blanche id ** - ask to move along, she has a problem with the English language, and after almost 14 minutes, she asked me to call back and talk to someone else.


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They hung up on me while I was trying to withdrawal money. Multiple times and then wouldn’t let me withdraw my own money because they said it was a monthly limit and they couldn’t change it. Then proceeded to hang up on me again.


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Do not trust Citibank. I spoke to customer service 3 times but unfortunately, they played a game with me and third time I called customer service her name was Prelie and she was so impolite. she thought I was born yesterday. I'm so sorry for Citibank that doesn't know who should work for Citibank and they don't know how should teach them.


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Citi checking account is such a bad account. Citi online didn't let me add my external account so I can fund my new Citi checking account. I tried several times and it never worked. I had to wire money to my new checking account. I had to pay wire transfer fees both to Citi and Allegacy. Terrible experience. Really poor bank. I called for help and they were unhelpful and rude. If you have other options, go there. Don't waste your time with Citi.


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I have been with Citibank for almost 10 years. At the end of each year, I would save my points and buy a Christmas gift for myself. In 2022 they pulled a shady, lowdown, BS move - their points program are no longer one-for-one. The 200 points I had saved up were now worth $2.00 instead of $200. Additionally, my 11% interest rate was increased to 24.99%...I seriously don't understand why. Called customer service and they don't know why either. ZERO notice from the company about either of these changes. THIS IS NOT HOW YOU TREAT LONG TIME CUSTOMERS WITH EXCELLENT CREDIT!


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I don't recommend Citibank credit card. I purchased a defective engine part shipped to Texas on my Citibank credit card from the California based ADV Cylinder Heads' (Seller) website. Eight days after receiving the defective item, I returned it to the Seller for a refund, however, the Seller failed to credit my Citibank credit card. In less than 30 days after making the purchase, I contacted Citibank customer service to file a dispute and I timely submitted a written dispute to Citibank Sioux Falls office as instructed on the reverse side of my credit card statement. 


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Sent $550.00 thru Western Union as payment the service provider requested. Citi charged me 5% or $27.50 because they said it was a cash advance. Transaction occurred on the 12th but didn't post until the 19th so they also charged me interest of over $3.00. Callled to try and get someone to help me with these ridiculous charges, they wanted to school me on cash advance procedures. I plan on cancelling the card because of the awful treatment I received. This company never heard of service recovery.


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Customer service is the worst. If they don't the answer they will say “give me a minute” and just forward call to someone else. It is so disrespectful. They keep wasting so much time. Their reward card is everything but not rewarding.


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We have had a Discover card for 30 years and have always paid the account in full at the due date, I read about a Citi Bank credit card offer where you would accumulate double points for paying off your account monthly and use your points for purchase or use as money toward your bill, plus they offered $200 cash free if you accumulated 1200 in purchases the first payment period. I did all this only to find out points were worth a penny and you would not get your $200 until one year after your card was effective.


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I am a Citi Mastercard customer. I received an invitation by email to open a high-yield savings account. I tried 8 times to do this using the link provided. Each time it did not work and said to call customer service. Called this number many times and only get foreigners who I can't understand. Each of them gave a different reason why it didn't work and transfer me around. Don't trust this bank, they will not honor promises and have no customer service.


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We received an offer from Citibank to open a checking account and fund the account with $75000.00 and we will receive a bonus of $1000.00 in 60 days. After the sixty days had passed I called to follow up with them, they kept passing me from one department to another and then they came up with the excuse that they have to file an investigation with their back office to open a dispute. I think this ban is a complete fraud, they have not paid me my bonus, they have had my money for more than three months and have no clear answer but just to say they need to investigate my case. I think the feds should be investigating this bank. Please do not bank with this company. Please look at the below offer and see for yourself.


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3 months again I was scammed on my Zelle for 750.00 and Citibank was supposed to investigate, well they came back and told me that because I sent the money it was on me. Well I should’ve left then. Well today my husband made a mistake depositing the wrong check in my account, instead of them calling me or contacting me, I call them soon as I found out, they closed all my accounts and now I’m afraid they not gonna let my rent check go thru. This is the worst bank ever. No compassion at all. Cold heart and doesn’t take the time to speak or try to fix the problem. I will be uploading all the calls I recorded of them.


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I filed a dispute for fraud on my account and then Citibank turned me “ the account holder” into the fraudster. Citi bank locked me out of my accounts after filing a dispute… stating I couldn’t provide the correct answer for a security word. I have never set up a security word or question and have never been asked for one until this time… understandable due to a report of fraud. I immediately went to a branch to confirm my identity and verify account information on November 19, 2022. I received my new bank card 11/22/22, activated it and again went to the branch after attempting to access online banking which I was not able to do. 


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My husband has banked with Citibank for 30 years and recently added me to his account. I beg him to go elsewhere. Every single time there is an issue they transfer you and transfer you and never resolve the issue. We spend HOURS on the phone with them. They even allowed a fraudulent $10k transfer despite answering, "No. I did not authorize!" Case still pending 6 months later. Call center in Philippines.


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There are many banks to choose from. Save yourself time and effort and opt for any bank other than Citi. It is impossible to receive service from them despite their slogans about customer service and various pledges.


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I have two companies each with a Citibank checking account. The two entities are within two miles of each other and both use the same branch, also with those two miles. Both accounts were set up by the same individual at the same time. On October 5, my one account wire $3500 to the other account as payment for services. This wire has been stuck in Citibank's review process since and has been at the 'highest' review level for weeks. None of the participants are on the OFAC list. The same wire has gone through half a dozen times since the accounts were set up.


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I'll try to keep it short, I make 300k plus and have several Credit Cards. CITI has my line of credit at 1000, yes, you read that right, I make that in a day as sad as it sounds. I'd like to cancel it but don't want to ding my credit score so I am stuck with this crap of a credit card where I'll have to buy a pack of gum every few months. Don't bother with this one.


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I applied for a Citibank credit card today, so that I could have access to a concert presale that is only available to Citibank credit card holders. I explained to the rep that I needed access to my account today and she told me that she would be able to provide me with the new account information over the phone as soon as I was approved. I wanted to make sure, so she confirmed this several more times before we proceeded. She even switched me to a card that would give me instant access to my account upon aproval. I applied over the phone with her and was approved. She then tried to quickly end the call. I asked her for my account information and she stated that she couldn't give me that information and I would have to wait 7-10 days for my card to come in the mail. She then said that if I had applied online, I would have been able to access that information, but since I did it by phone, she couldn't help me. 


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On 10/24/22 I opened a savings account with Citibank with my online access (have been a credit card holder for more than 31 years). I transferred $20,000 from my local bank to fund this account. However, before the saving account could be funded it was closed by Citibank. Upon finding out the account was closed, I attempted to stop the transfer from my local bank, but was unable to get it stopped. The transfer occurred on 10/26. Now after more than 30 hours of phone conversations with Citibank customer service reps/supervisions I and am still without the money and have no idea when I will be receiving it.


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My wife main account was named as a fraudulent account because of a void check paid by a customer. She was a join in my account and once Citibank decided to closed her account my account who was different but her was in also was closed. I never received a warning or something letting me know the situation and I was super surprised how was possible that they close everything just for a void check. They take actions without notifying the customer and in my opinion they should gave me a option if a want to continue with my account without her or closed permanently. So please if you can choose any bank that it not related with Citibank do it, don’t get close to Citibank even to cashed a check. Avoid any bad moments.


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I recently made a payment on the 9th for my credit card. While on the chat app with customer service I was told that the payment would be applied to my balance on the 24th automatically (2weeks) however if I waited 2 business days and called with a verbal confirmation the customer service team could contact my bank, confirm the payment and release the funds that day. I called in 2 business days and a nice lady informed me it would take 1 more day for the payment to be confirmed. I waited 1 day and called yesterday and the customer service rep I talked to said it would still need another day. 


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This service is beyond Terrible. My mother has dementia and someone got into our joint account and closed the account via online. I notified the fraud department and talked to 5 different people and received 5 different answers. The account was closed online but I was told that I had to go into the branch to prove that I was the legitimate account holder, who was authorized on the closed account. They refused to give me any information related to who closed the account or where the money was transferred too. When I asked to speak with the supervisor's supervisor, the 5th person who said he was a supervisor, said "Just go to a branch, thank you" and hung up.


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Stay away from this bank at all cost. Their fraud department is a joke. They have 11,000 of mine frozen for suspicious deposit for over 2 1/2 months now. With no proof of any fraud. Cause there is none. I have known the person that gave me the check for several years and have received many checks from them. With over 20 hrs. of mine being on hold, and being hung up on. Customer service is very disrespectful. They always say a supervisor will call me but still have not received one phone.


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So I downloaded the Citibank mobile App just today (account opened months ago). I entered my username and my password and waited for them to send me a code to my cell. Since the code never came, the computer logged me out. I did that two times the code never came, so I called Citibank customer service. They finally sent me a code but when I entered the code it came up error code "MFA." I was then told unless I had my debit card and could give them the code on the back, they could not give me access to my account or correct the problem! Seriously!


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Prior to receiving the following notice regarding the delay in the availability of my funds from a check that I deposited through the mobile app, I learned that the check CLEARED. Mind you, the payor of this check was a federal gov't office. “The following longer delays will apply (because these deposits may be returned for the reasons indicated). Amount Being Delayed: $1,069.88, Date Available:  November 11, 2022, Reason for Delay: "We have confidential information indicating the check may not be paid.” If I could give “0” stars, I would.


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Customer service in Philippines. VoIP is poor, cutting off plus Philippines don’t understand you. No ATMs. No offices around Vacaville. All ATMs are in 7/11, no cash in option. No signs that it’s Citi (7/11 signs on the screen). The Philippine representative said they have office in Fresno. Or I can do deposit via Western Union.


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Do not use this bank. Their online systems do not work. I tried unsuccessfully for 2 days to open an account and the experience taught me that I absolutely should not have any dealings with this enterprise. The system aborted repeated attempts on different days to open an account. I could not establish contact by means of any "Contact Us" links. I finally got hold of a person who informed me that she could not handle international banking and transferred me to a number that kept asking me for my account number. I am glad I found out how bad this company is before I opened an account. They obviously do not want any new customers.


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This bank offers a rate, enticing you to deposit your money, then they do not pay anything close to the advertised rate. In October, 2022, they advertised a 2.20% interest on their accelerated banking account. What they actually paid was around 1.70%. I would not recommend conducting business with them.


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I tried to withdraw my money from my savings account, but the automated system wouldn't allow me to do due to a system error, so I called customer service... 4 hours later, after the greatest runaround I've ever experienced in my life from a company, I was no closer to getting my money out of the account than I was at the start. I have never encountered a more incompetent, unprofessional, or downright unintelligent customer service team than Citibank's, and I'm shocked that they haven't been put out of business by how badly they treat their customers. If I could give 0 stars, I gladly would.


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Don’t trust Citibank. Doesn’t matter how good of a history you have with this company. Good credit limit, great payment history with this company doesn’t matter. My whole family had COVID, I had two neck surgeries, a back surgery, physical therapy, several epidurals and all the diagnostic procedures necessary. Yes I depleted my savings and had a few medical bills go to collections which I have paid. And yet Citi did a review and dropped my line of credit over $9,000, even though I had great payment history with them, dropping my credit score and making it harder to recover. Why? Because this company can care less about their customers. I’m going to cancel both my cc and savings account and I advise you to take your money elsewhere. Btw I called after the credit reduction and was told they couldn’t fix this and referred me to a 866 number to resolve, yeah that was Equifax. See, your history with them means zip.


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Citi froze my checking account without any explanation. I had received emails and text messages asking to verify the validity of recent purchases and I green lit all of them. Didn't matter. Account still got frozen. As a preferred/VIP customer I did not even get a phone call or email that my account was going to be frozen, so all the checks I had written that week bounced and my clients were all hit with fees. Citi eventually unfroze my account, still offered no explanation as to why and refused to reimburse me for the fees I had to make up to my clients. Disgusting. Off to Chase I go!


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Carrollton Texas, checking account. I opened an acct 2 weeks ago and within a week Citi closed my account terminating my relationship with them for no valid reason. My new acct was opened and I only had access to my online acct which I was able to set up direct deposit and Zelle. Within 2 days from activating my online access I paid my rent using my bank acct number because I did not have my debit card. That is the only transaction besides the Zele transaction I made to acct to pay my rent via bank acct and the next day I get an email that my acct is being closed due to me violating my terms per client manual. 


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Citibank is a cheater bank. It traps customers with promotion offer and then does not honor it. I too fell prey to their dubious strategy and opened a checking account which was having a promotion. Now after 5 months Citibank tells me there was no promotion offer... I have the online promotion offer still saved with me... They are cheats.. Making innocent customers run around and giving mental agony for a mere ** promotion... Citibank. I never imagined that a bank this well known would cheat its customers like this... Change your name from Citibank to **bank...


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Credit department claims I already have a Meijer credit card. I do not. Can't speak to anyone to find out details. Automated teller won't get you to a human. When I finally reached a human, he gave me the same phone number I already called several times and then hung up on me.


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Saturday I deposited a check for 1,110$ and now I have to wait 2 weeks for it to clear. Yes, not important for anyone that has extra income or more than me, but tell me how am I supposed to food shop when I was hoping that check would clear 5 days later...Now I have to wait 7 more days, beautiful product. Took my check to a cashier, can't cash it because your MOBILE APP asked to write Citi Bank Deposit on the back. I can't rob a bank, but a bank can sure ROB us. **--YOU.


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I have had an online savings account for over a year. Poor service but tolerated. Attempted online sign on. Told I must enter my debit or credit card number with Citi. I don't have such a card from Citi nor do I want one. Called 3 different customer service numbers (India) no help. They insist I be mailed a debit card (5-7 days) to access my online account. I wish to do a wire transfer of funds TODAY. Shockingly there is no human mechanism at Citibank to accomplish. I must wait for the debit card to arrive, register it online and then maybe I will again have online access where I am sure I will encounter more issues to transfer my $. I am going to close the entire account. 


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I switched from a bank to Citi...& transferred money & they're making me wait 5 days to access my funds. Stay away from Citibank. They're Trash!!! I will definitely be closing the account once my funds clear!!!! Never again Trash!


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After signing up for a Citibank Interest Checking with a 50K funding and promo to receive $700 after 90-days, then waiting several months after the 90-days, then calling Customer Service to inquire, calling again, and calling again (1-2 hrs per call). I found that the folks on the call were not listening and more or less working through a state-diagram. A case was ultimately opened, and I was promised to receive in mail the outcome. This did not happen. Another call was made, another 2-hours wasted. The escalation path takes you to another powerless representative. 


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On September 16th 2022 I lost my Costco CitiBank Credit Card in Riverside, Ca. I IMMEDIATELY called city bank and informed them of my situation. I DID NOT want anyone to make unauthorized purchases on my card. (I was PROTECTING citi bank.) I spoke to a customer rep. who in turn handed me over to another woman. I was grilled for over 30 minutes by her in order to make sure that I was the card holder. (Overkill) I informed her that I needed to have a replacement card the next day as I had prepaid my three days at two hotels plus gas expenses. (PREPAID $ 525.00.) She assured me that I would receive my new card at my daughter's address. 


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On July 21 2022 I was a victim of fraud. I'm from NYC. Someone went into a Florida Citibank and withdrawal $4,966 from my account from the teller. I never authorized anyone to do so. I never gave anyone my card. I never been to that part of Florida let alone the branch. I also been doing everything possible to do what the fraud department tells me. Sign every paperwork and all physically in my branch bank. I have had to sign the same page several times because the fraud department claimed they never received it from the bank and I have proof that the bank said they sent everything over.


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I had a promotional cash bonus pending and the representative at the Downey Location switched the account and now Citibank is denying $300 bonus for keeping a certain amount of money in the account for over 6 months! The promotion was for only 90 days and this bank ruined it. Do not to fall for this scam!


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I was interested in opening a checking account with bonus, offered by mail I received. The Citibank agent opened a checking account which was the opposite of what I asked for despite of multiple request. I went to the branch and branch manager stated that he would contact the service center in Rancho Park. Promised to fix it in 10 days, I didn’t hear back from him so I went to bank again and he said that he didn’t remember me and he needs to start again. Lack of customer service and uneducated branch manager compromise the safety of their service. I wonder how possibly these unethical people with lies are handling customers' money. They need to reevaluate managers of bankers before hiring them.


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My wife and I opened an account here 1 WEEK AGO. They gave us cards that have no CVV so in order to make online purchases we had to transfer money that we had deposited into our old bank accounts from other banks. They froze our account with all of our money in it saying it was detected as fraud (there was no email regarding suspected fraud until days after they froze it), and then today they closed our account with absolutely zero warning saying they'll mail us a check with our funds in it. We moved here from out of state and needed that money to live, is this place serious? The only two transactions that ever came out of that account was to transfer it to accounts that are also ours, this might be the worst bank in existence and I would never let anyone I know use this bank.


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If the lender for a loan I need uses this clown service of a loan agency, I don't even bother. I already know when I read Citibank as the lender that I am not approved for some ** reasons. I can get loan elsewhere with no issues, heck even have a credit card, but can't get approved for anything through the circus. I needed tires for my vehicle for winter, I have a 2yr old and no help, I was denied because of citibank. Really hope they'll do everyone a favor and go out of business.


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Updated on 09/17/2022: I had reviewed Citibank once before on Consumer Affairs and I gave them a very poor rating. I have since amended my original opinion. I had two merchants put unauthorized charges through on my debit card. I called Citibank the same day. I spoke to their Disputes Department. On the first dispute, they sent me paperwork in the mail and asked that I provide more details and then send it back to them by a certain date. This took about a week, first my reception of the Citibank paperwork and then my sending it back by the requested date. I noticed that a bank credit in the amount of $100 had shown up on my bank account yesterday. 


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I've had a credit card with Citibank now for almost 5 years. They were the least understanding and changed nothing during the pandemic as opposed to other credit card companies I had accounts with. Most recently my issue has been that I have tried to link my credit card to 2 different streaming service accounts and neither of them would accept my Citi card as payment. When I contacted Citi about the first one, I was on the phone and chat with them for HOURS without any solution offered or resolution. They had NO IDEA how to fix it. This is after the streaming service told me it was a block on their (Citi's) end and only they could authorize the charge. I'm beyond annoyed and frustrated at all the time wasted on this company and their lack of solutions or empathy for their clients.


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I had a checking and savings account with them, and was transferring money over for a large purchase and it was like pulling teeth to get my money moved. Their phone support is simply terrible and they do not offer assistance. I can't wait for them to find my last $5,000 that was to be transferred (3 days ago)...so I can close my account for good. Never again!!


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The ABSOLUTE worst is an understatement. I opened a citigold acct online and before I got card or banking info, my acct was hacked and thousands were withdrawn over the period of several days. For some reason Citibank allowed this and didn't see this as a red flag. I have filed a police report and noticed the credit bureau, FTC etc. I have spent hours on end with Citibank via in person and phone (most phone reps are foreign and seem to be be working from home as phone call sounds are typically muffled and inferior quality combined with fact agents barely speak English). Agents will hang up on you or put you on hold for hours on end to only refer you to branch or have no answer. Branch is just as useless and refers you back to 1800#.


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I went into a branch to send a wire transfer to my foreign account and after almost 3 weeks, the money had not posted to my bank account in the DR. I went back to the branch and was told it was returned for some ID issue. It was resent and waited for about 2 weeks and still it was not deposited into my account in the DR. I had to call the back and was provided with no reason for it not being deposited and I will receive a letter. What surprised me was that NO ONE called me regarding the issues rather me going into the branch and calling. I have other accounts at other Banks and they don't treat that way. I missed and had a late mortgage payment because of it.


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I will not be working with or using Citibank in the future for any credit card related systems due to my experience with them. After being automatically denied for a card, despite good credit that was damaged due to the denial, I had to call several groups before interacting with their reconsideration group. It was only there that I was informed that due to an unlisted "insider" policy that they use for determination, if you have had any credit report in the last 90 days for any reason you are automatically declined. To learn this I had to go all the way to management of the group and was told that due to this policy there was absolutly nothing they or I could do to resolve this, despite it being day 90. While they were efficient, this lack of transparency and variable action means that I can in no way reccomend their services in this area.


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I had been a long time credit customer of Best Buy/Citibank. When my card was supposed to Renew, and was paid in full, they canceled my account. Same tactics Walmart and other low end companies do. Canceled all previous agreements and makes you get a new account under higher interest and new terms. Dirty business, stay away. Would make a great meme stock.


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First bad experience was with corporate card. It got so bad that I could not even put on a travel notice onto the account. Luckily we changed services for work. Recently, I was traveling internationally and upon return had received multiple "fraud warning" voice-mails. Upon calling the number on the card, the electronic service immediately steered me to the fraud department, verified me electronically, and transfered me to an agent.


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I had money in my account for rent. I paid it. A couple of days later the money was right back in my account causing me to pay my landlord late fees! No branch location so I tried to Zelle money to my soon to get money out my account. They blocked my account and said suspicious activity on the account. I called and verified it was me. They still block my account and end up closing it cause me not to pay for my daughter 1st birthday and the late fees for rent. I hate this bank. I will never ever use them or tell anyone to bank with them.


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I went to go use my card to pay for my dog's food... I had a huge remaining balance still and am an on time payer towards bills. I went to look at my account and it says that Citibank has closed my account. I called customer service three times. First time, I got someone named Noel. She had very little knowledge of how to communicate with me properly and it was very hard to understand. The only thing she said to me was that 'she couldn't give me details as to why it was closed' and that I have to wait for a letter from them in 10 business days. I asked to speak to her supervisor ... She said no supervisor was there.


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I disputed a charge because the merchant providing a rapid covid test in Israel, failed to disclose information that I would have needed beforehand to make an informed decision to make the appointment and complete the purchase of the test. The decision by Citibank was for the merchant. I thought their decision was hasty and poorly considered. The decision in my favor should not have been even close. I am ready to close the account.


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This is the worst bank I have ever dealt with. They locked me out of my own account with 0 notification for trying to send myself money. I spent over 15 hours on the phone with one overseas representative to another to get my account unlocked. They are criminals and deserve to go out of business.


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I had nothing but problems since I've opened a account with this bank, they are a horrible bank. First I couldn't deposit cash into my account at the ATM, I called customer service they were no help at all. Then I file a dispute and they lock my card, to where I can't get online or use my card. Worst ever.


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I had a customer order food and charge it back to their Citibank. The customer ate the food, but said it was soggy. They ordered a veggie delight pizza and let it sit for 4 hours on their table before they ate it... What do you expect? They ate the food and then charged it back. I contested the charge with a signed receipt by the customer and the delivery receipt. Citibank gave them their money back. I will not take your card ever again. I will ask for American Express or any other form of payment besides you CITIBANK. You don't support your merchants... The heck if I will endorse your fraudulent tactics against the merchants who give you your business!


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Be careful you don't put too much money into a Citibank savings account that you actually need back. They have a $10,000 limit on outgoing transfers PER MONTH. You will have to go on every month and take it out a bit at a time. Forget it if you need help from support. There are no branches anywhere near you.


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Never ever open Citibank AcceleRate Savings Account. They are highly unreliable. I just had a terrible experience with Citibank accelarate savings account. Citibank seem to suck big time in every damn thing when it comes to customer service! They froze my savings account due to suspected activity when I transferred from my own salary accounts to Citibank savings account. I had to wait for 1 hour each time to talk to their fraud analysts for such frozen accounts and they asked me to visit a branch. But there is no branch in whole Washington state (this is ridiculous). 


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I received an offer for a Citi Double Cash Back card, only it didn't arrive. I contacted the customer service department, which had a wrong city and zip code. Ok fine. I corrected it accordingly and had the read back the address and one again it did not arrive. The number of chat app holds, transfers and phone calls to close my account is like nothing I've experienced in my life. Stay away from Citi; they do not care.


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Because I have a Costco credit card through Citi Bank, Citi Bank sends me offers in the mail for checking accounts, claiming special rewards. It sounds very nice, except for the fine print. Nowhere does it say how much I might actually get. It only says up to a certain amount. Which actually means, Citi Bank guarantees to not pay more than this amount. So how much could I hypothetically earn? Who knows! Citi doesn’t divulge that information. After reading reviews on this very website, and more on others, there is no way I would put any of my money in Citi Bank. There are countless complaints of Citi freezing accounts, not paying supposed rewards, and more.


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Four years running now Citibank has allow a fraudulent company to bill a $300 bogus annual subscription to my account. All four years I was required to jump through all kinds of hoops to fix it. Even changed my account number 4 times. They actually gave the fraudsters my new account number and home address. Had to hire an attorney to send a Cease and Desist to their CEO. Even closing my account didn't stop the madness. Citibank just accept the fraud charge anyway and then tried to bill me again even after I have a letter from them confirming it's fraud. WHAT?!? Clearly just another greedy bank who doesn't care about their clients at all.


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I would put no stars if I could but you have to put at least one to post a review so one star is all your company deserves!!! I have never used Citibank!!! And after the morning I had yesterday trying to get my issue solved I will never use this bank for a damn thing!!!! Their customer service sucks and they won't even get you someone that speaks clear English when you ask. Someone tried to apply for a card in my name and I couldn't get it resolved with this company because they suck and their customer service dept doesn't listen. Would not recommend anyone to this so called bank!!! The owners of the company don't care either or they would fix the problem on how their employees treat their customers as well as perspective customers and identity theft customers. DO NOT BANK WITH THIS COMPANY!!!! I DON'T TRUST THEM!!


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I have been charge by Fb/ads 6 times for my credit card account, the 1st 3 transaction is sgd 15 + sgd15 + sgd15, then the next day another 3 transaction by fab/ads which is sgd26 +sgd26 +sgd26. And I didn't receive alert from my message or email. This is a scam and security problem. I never purchase any item using my Facebook in my whole life.


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Poor service, bad experience, basically smoke and mirrors. They entice you to open an account with a proposed bonus for a deposit but when time comes to pay the bonus they will make all kinds of excuses to not pay the bonus. Basically false advertising. Useless call center. No one speaks English so impossible to communicate and they do not provide any service anyway. As for other business services that were requested and you are told someone will call you back from so and so department and no CALL BACK! Just wondering why would anyone want to bank with a bank that is just a name with NO SERVICE!! DISAPPOINTED IS AN UNDERSTATEMENT. Do not waste your time with this bank. There are other banks out there.


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Since day 1 I am having problems with Citibank, first the card didn’t arrived and for resolve the problem citibank was telling me to gave the the credit card number. How I am supposed to gave a card number for a card I don't have?


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My wife went through a very similar situation as the many of the customer’s who’ve written reviews. We tried to make a payment via Zelle to an individual for a purchase and the payment wouldn’t go through and then she was locked out of her account. She spent the last two days trying to get her account unlocked and she keeps getting transferred from one person to the next. Each one is less helpful than the last and it’s extremely difficult trying to communicate with them. They say they can’t verify her phone number, even though it’s the same phone number she’s had and they’ve had in file for 20 years. She’s responded to their texts and email and is calling from the phone on file and they continue to say they can’t verify her and won’t unlock her account.


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For starters I don’t even have a bank account with them. I just received a check through them from a program I completed. Now I deposit the check in Chase Bank account and they have it hold for literally a week and a half all because Citibank couldn’t clear it, then I call their check verification line and they’ve been down for a whole week. Customer representative don’t make it any better because as I also saw someone state they don’t even have the knowledge of their own company because according to a couple of them there was no such thing as a check verification line, but when I spoke to someone else they provided me with the number. Overall just a little unprofessional to me regardless of anything and they like to argue with you that’s for sure lol.


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Citibank itself is worst I have encountered, Citi declined my purchase attempt and locked my credit card on my first attempt to use it. And the nightmare just started. I called in 2 days asking them why my card is locked, the response I received is "they can't tell me anything because they can't verify me"; "they can't use my phone number to verify me and they also can't tell me why my phone number is invalid". They have to send me a letter via mail that takes ages to arrive because their policy doesn't allow any other ways of verification. Per the account supervisor "anyone who's close to me can get my address, email, birthday and SSN!" WOW. When I asked for an expedited overnight mail, I was told they can't do that either.


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2 weeks into the mortgage process Citi denies the application on the basis of not having 4 lines of credit! I have 3. Told everything else was perfect. What a joke and a waste of time. Should be the first thing they tell you before proceeding.


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This is the worst phone customer service I ever went through. Many representative in this company is lacking credentials, the plenty of times I called I have to fight myself to customer service, or if Representative refuse they just hang up on you. It was nice company noticed fraudulent charges on my account, and stopped payment, and attempted to send me new card. Bad enough it took a week due to Hoilday weekend, but once received, card is unable to work, I'm to the point, I can't take it, and taking day off from work to close account and head to a more established bank like Chase or Bank of America.


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I am a 72 yr old female and I called what I thought was a reputable company Apple Products concerning my iPad and reached a scammer and he had me put in my reward number for a new iPad but it was to take over my phone and he was able to transfer money in a new account telling me it was the only way to get my rewards and he used my Zelle account to send money to someone I don’t know and they saw where I was scammed. They were able to close that new account and get back my money but this person also used my Zelle without my authorization and was able to send two amounts that was almost $5,000.00 to someone I don’t know and because it was Zelle they refuse to credit me and don’t believe me that I was scammed.


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Been a customer for more than 4 years. They returned my covid relief check that I had been waiting on since 10/21 because it had my maiden name. Just cashed another check in my maiden name but because it was small they said it went through. I asked do the amount of check change my name? Such a joke. No one speaks English. Nobody know anything then I had to re deposit the check and it will take 5 days to get all the money. Smh. This bank is a joke and what's even funnier this is where my direct deposit goes every 2 weeks faithfully. So done with Citibank. Please close the doors and start over.


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I have been dealing with these people for 3 weeks trying to get the money in my account. Locked my card. Call. Say can't verify my identity. Sent a letter. Called. Gave them the reference number. Now say can't verify my identity still. Saying my phone number on my account can't send a verifying text. These people are a joke. Don't speak English. I want my money out then closing this account. They are the worst people.


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So I opened a Best Buy account within the past 9 months. I use it and pay it off, so on and so forth. I have always made my payments on time, I have excellent credit, and have never had any issues with my two other cards that I have at other banks. When I called to inquire about my closed account that I discovered, I was told that it was closed because I had a returned payment. I knew exactly what he was talking about and tried to explain myself. What happened was that I made a payment to zero out my balance. The screen was loading and didn't go through so I refreshed it and made the payment again until I got to the confirmation page. This caused the payment to go through twice, when I noticed it reflect on my checking account days later I quickly called and got it straightened out.


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I am a new customer with the 6 months no interest. This is my second time trying to make a payment online or over the phone and not being able to. It reminds me of when I used to deal with Sallie Mae and they were sued for that. I am not getting off to a good start and customer care is never able to help me. I am just trying to make an early payment why so hard? Red flags for me.


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I've been a long time customer of theirs. I'm never late. Over the past year they keep lowering my limit to what I owe them and this is messing with my credit score nor do I deserve a decrease in my credit limit. They refuse to talk to me about this. This month the wrong bank was selected to make my payment to them, when I caught this I corrected this as soon as I caught it and they charged me a late fee and a bounced check fee and a over the limit fee. I called them again. They refused to waive any of the fees. I told them they were a terrible bank, and that I have been a good customer to them and didn't deserve this. So I told them I'd be writing reviews. I figure they are going to mess with my credit I can mess with their credibility. They really are a piece of work. If I had it to do over I wouldn't have signed up with them. It hurts my credit more to close their account, otherwise I would.


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I had taken a card a few years back from Citibank UAE. They have a strategy to give initial reward cash to give the credit card. Afterward, they started to penalize for no reason and make money. I closed my card a long time back after clearing the outstanding. I spoke to many agents during the car closing process and finally, they closed my card. I received many calls later that, "You have outstanding for annual fees, etc." I explained that the card had been closed. They mentioned that they were sorry, "We called you by mistake." They are standing in the malls and offering the product. Please don't get fooled by them and don't take a credit card.


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I had a fraud alert on my account. I called the number for fraud alert. They wanted to send a text for verification. They would not accept my number that's on the account nor would they accept my mother's. Either they asked for a home phone number which I do not have. They wanted to send a freaking letter in the mail to verify. No one speaks English either. Worst customer service experience of my life. Card is canceled now.


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The Citibank online customer service employees have no knowledge, no patience, they're redirecting calls to different teams, very unprofessional, no concern for customer, seems they are not interested on what they are doing.


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She's not even letting me asked questions. Just talked, the way she talked is too fast and is not clear either. I am not even finished my question but she hang off the phone. Terrible, I am not sure why a big company like Citibank hire a customer service like this.


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June 1st 2022, I check to make sure a regularly scheduled direct deposit from my paycheck made it into my account (this has been an automated recurring payment twice monthly since March), only to find that my savings account is tagged with "account blocked" in red letters...no indication as to why. I use the chat function to ask why it's blocked and am told to contact the Fraud Servicing Unit. I call the next day, get someone who tells me they can't help me, put on hold for over an hour and speak to another associate who tells me my account is blocked and flagged for cancellation and I will receive a check with my money in 30-60 days.


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Citibank is the worst banking institution of my life. People hardly speak English, they are not helpful, don't how to resolve your problems so you get transferred from one hardly speaking English department to another. Expect being on hold for over 45 minutes. They closed my checking account for no reason without even letting me know about it. I couldn't transfer any money from my savings. Also my ATM card was blocked several times so I couldn't withdraw any money from my account. Had to go home and spend 15 to 20 minutes trying to unblock it. Save yourself headaches and frustration. Don't do any business with this bank.


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I have not been a Citi bank customer very long but have already experienced huge problems three times since having a credit card with this financial company. It’s May 2022 and this is the third time the fraud department has closed the account for strange activity. The customer service is terrible and the representatives are offshore in Pakistan with heavy accents and poor English skills. Also according to Citi bank I can’t close the account until the fraud department completes the investigation. Citi bank has been nothing but horrible and I definitely won’t be using this bank in the future. And I will be closing the account.


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I would like to share one of the worst experience with Citibank. On 27 May 2022 I had sent a office boy with the Citibank statement to be signed and stamped for visa purpose. 1. When he approached first she told him get an authority letter then she will be able to give the statement. 2. I drafted the letter sent the boss who was out of the country to sign and send. 3. The next day the office boy went to the branch. She saw the letter and mentioned the bearer name is required with identity proof. 4 . I had to prepare another letter mentioning the office boy's name as authorised. 5. After doing this exercise for the 2nd day, the Citi staff says, "Sorry we don't accept digital signature." When she saw the letter why the hell she couldn't tell that digital signature is not accepted. The attitude of the staff from fort branch, bora bora market was very bad and rude. I urge the Citibank personnel to take strict action against this staff and keep some trained personnel to give proper instructions and avoid hassles.


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I signed up for Citibank credit during a promotion. Spend $4K in three months and redeem 60k miles. When I called to redeem, they refused to say that there was no promotion. When I was on the phone, the rep accidentally muted the call so I couldn't hear. Citibank never calls you back even if they hang up on you, you have to call back and start the conversation all over. Citibank is run by criminals.


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I had horrible experience with the Citibank double cash MasterCard. The fraud department kept blocking my transaction multiple times even after verifying with them even speaking with two fraud specialist supervisors. Instead of helping me they even cutoff my online access! Took me over an hour and two attempts to call them just to pay off a little balance I had so they will not get any interest on it. After I get the reward money sent to me I will be closing this account. Be aware of terrible service from citibank's fraud department! As there are many other cards with better rewards and service options stay away from citibank's products. Please do your research and see how many complains people are having with online access and other things.


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Unable to use Shop Your Way Mastercard on initial purchase despite having info. -- Items removed from cart as soon as put in (they provide the info. but make it impossible to enter it/use it on the order). Inquired on promotion after received card with no information on it, answering in past tense will not confirm promotion through chat (it is supposed be valid for 30 days). Told me to call, they won't even confirm when the account was opened. Very unprofessional. Citibank has a history of using these call centers. All they needed to do was to tell me the promotion is active on the account. Again, fishy, totally unacceptable contact.


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On 4/18/22, my living room TV decided to die. I was not in a financial position to replace it or in a medical condition to carry a TV back and forth between rooms every day. I applied for a line of credit on the Best Buy website. I was prompted to call Citibank. On that call, the agent informed me I was approved for a credit card and asked if I wanted the BB logo or Citibank logo. I requested Citibank. Multiple times I asked if this was a regular credit card; I DO NOT want an in-store card only. I was assured this was a regular credit card. Card arrived. BB in-store only. Requested an investigation of fraud. I was lied to to get me to agree to a card I explicitly stated I didn’t want.


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I have only one relationship with Citi, a double cash MasterCard. So they sent me this offer for the Accelerate savings account, earning 0.60%. With my current credit union I am only getting 0.05. I planned on sending over $75k right away. The website blocked me from opening the account online due to ‘security reasons’. What? When I call the girl is asking for all my personal info. I’m like you have all that already. She tells me that they cannot see my credit card profile in retail banking, and we’d proceed as if I was not a bank client. I said, "So I will have two customer profiles with the same info?" Yes was the reply. I asked, "What if I opened 6 products, would you have my SSN on file 6 times?" Of course she couldn’t answer that. In the end their total ineptitude prevented me from placing 75k in their bank. After reading these reviews, I’m glad they couldn’t make it work!


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I opened the account on December 22, 2021 for the promotion $700.00 with deposit amount of $50,000.00. I read the fine print and I also talked to the banker. So, my understanding was that April 27, 2022, I will receive the $700 promotion. Well, I was wrong. I was on the phone with Citibank customer care, they couldn't do anything. I called the branch/San Marcos CA, and they could not do anything and they said that will call me in few weeks. Citibank has my money for over 130 days and I have not received the promotion was promised. Where do you complain about the ethics and false advertising of the Citibank?


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Worst bank I’ve ever dealt with in 59 years. STAY AWAY no matter how much interest they offer you - it’s not worth it!!! Froze my account without telling me for months. Trying to get it unfrozen but their “fraud department” is only in the Philippines (amazingly ironic, no??!!) - After waiting on hold for hours, constantly getting my calls dropped, finally getting a person, only to be stymied by impossible-to-understand accents, dime-store headsets, a 5-second delay, and the worst overseas garbled connection ever, after days of this, I still haven’t been able to get my account unlocked so I can retrieve my money and close my accounts from this god-awful bank.


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I started a new job and my company sent me a paper check to deposit funds into my account. The check was to buy my office supplies as I work remotely. The check was originally uploaded via mobile check deposit. After processing for two days, I got an email stating that the check was not readable. So I drove an hour away from my house to the nearest branch and deposited the check with a teller. The teller told me the check would be under a 7-day hold and funds would be released in chunks with the entire remaining amount released on the 7th day. Okay fine, not a big deal but a hindrance to my onboarding process.


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I faced this when I changed my employer. They told me that they are blocking my card. When I will get new Visa and EID just upload it. It will be unblocked. I did then after I followed with then every time I make calls I heard different requirements. Still I provided. After providing my passport, Visa, EID, salary certificate, 3 month of bank statement, still they asked me to wait. Still under process. I want centre bank to take some action on such kind of mental harassment by Citibank. Otherwise there will be many more customer who are facing it. Unable to get right way to inform there issues again. Very pathetic bank and their service.


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I opened up a Citi checking account because of a special offer I got because I have a Citi card. It has been a nightmare. I kept getting an error when I tried to fund the account from my external (non-citi bank). After 4 hours and 22 minutes on hold (three separate calls), I was transferred to tech support. They got me to a different interface and had me connect my account and make the $10,000 transfer.


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I signed up for a promotion where if I gave Citibank 100k I would receive 700.00 after 90 days plus a small waiting period. I 1st transferred 25.00 to make sure everything went smoothly. It did not. Citi denied they had the funds. I had Mastercard open an investigation and yes they did. I then spent hours on hold to get a representative to tell me I completed eligibility for the promotion. He said yes and gave me a date when to expect it. I then called back to ask about transferring money and another operator said I did not meet eligibility. Hours of trying to get a straight answer. Had to write the Better Business Bureau to get a call back. Said yes no problem. Told me I needed to fill out a tax form that nobody had ever given to me. Did that. A week after I was supposed to get funds. Nothing. 


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I spent the last 2 hours trying to login into my account, three different customer service representative (the last one was technical support) and the only thing that I got is that the bank had my information wrong and that why troubleshooting doesn't work, they uploaded my ITIN number instead of the SSN and that's why when I typed the required SSN my account got locked because it was the wrong information. They didn't even mentioned they will correct the issue, the solution was to use anything else but not the SSN. So they identify the problem, but they won't correct it. Worst Service!! Not to mention how difficult was to understand them.


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Worse bank I have dealt with in over 40 years. Almost none of their "Agents" speak English as their first language. Two IT techs hung up on me. I signed up because of a promise of a $300 bonus. CitiBank then linked my Citi credit card to the savings account and deleted my link to another bank that I usually use to pay the credit card without my knowledge. As a result of paying the credit card I became ineligible for the $300 bonus.


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Recently opened a Citi Diamond Preferred Credit Card. Used it twice and paid off the balance. Days later I have an alert that says that I need to call them immediately about activity on my account, which amounted to 2 x USD42.00ish purchases. I call on three separate occasions where I am greeted by outsourced Customer Support that only loosely speaks English. I work with offshore Development Teams and can traditionally navigate the language barrier but the first two Reps quite literally did not speak English. 


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Citibank Mastercard has lost my business. I spoke to 8 (count 'em, eight) customer "service" reps to ask about changing the name on my card from personal to business, spent a few hours on the phone, and sent in a name change request form. Today I got a letter stating that the account had been closed. I called and spoke to a ninth rep who immediately told me that they cannot change a tax ID and that I had to apply for another card. Why didn't they tell me this 8 reps and several phone calls ago when I explained the situation to them?


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I don't normally go out of my way to put up reviews, but I am compelled to. I have such frustrating experiences with Citi. With credit cards: very often their "security feature" declines your purchase both online and offline. I experience this multiple times a year and it gets frustrating when you are out shopping to treat yourself and this happens. Their saving account (Accelerate savings): they make it really easy to deposit money, but very hard to withdraw your own money. Even when you try to withdraw there are daily, monthly restrictions. Want to close account? You must call them and wait in line for a long time. Citi makes BOA look like an angel.


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CitiBank is by far THE WORST bank I have ever experienced in the last 20 years!! My mom learned about its new promotion recently. She transferred and saved a large amount of money into a newly opened CitiBank checking account. However, after the bank received these transactions, the bank said due to the fraud issue, they decided to block her account for 30-60 days to do the investigation. So far after 31 days, our several calls plus twice local bank visits to provide required documents, her account is still blocked that she cannot withdraw her own money. Obviously the bank is using the "Fraud" excuse to take advantage of consumers' money for its own pockets. Definitely I do not recommend anyone to invest or save money in this bank.


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CitiBank is by far THE WORST bank I have ever banked with!! They constantly deny transactions made with my card and then when I call to find out why they give me no info. They just tell me “everything is fine on our end and there are no restrictions on your account”. After arguing long enough they send me to the fraud/loss prevention team just for them to claim I am “not a verified customer” and hang up on me. I have been with them for 6 months and have already switched to another bank. Definitely do not recommend them unless you want every other transaction to give you a fraud warning.


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CITIBANK STOLE INTEREST MONEY AND ARE REFUSING TO PAY IT BACK. I opened a Citibank High Interest Savings account online which didn't have a Middle Name field so they rejected my LEGAL W9 Federal Tax withholding form and took out Federal Taxes ILLEGALLY! It took them 2 years to CORRECT NAME on the account and stop taking Federal Taxes out and now they're refusing to re-imburse me for all of the lost compound interest!! Their customer service is HORRIBLE!! I can't tell you how many times they've hung up on me!! One manager wouldn't stop gaslighting me, belittling me and being absolutely RUDE like I was his spouse he abused!!


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Citibank offers balance dependent bonus each quarter for new savings. The steps for getting bonus are shown on the first three pages of the offer. You are required to enroll the offer, open a new savings account, fund the account within 20 days of account opening, and keep the balance for 60 consecutive days. In the past, the required “60 days” were counted from the day when your deposit is made. However, from 3rd quarter 2021, CitiBank changed the way for counting the required “60 days”. The new way is to count the “60 days” from the first day after the 20th day you opened the account. It means if you fund the account right after the new savings account is opened, you need to keep the balance for 81 days, instead of 60 days, to get the bonus. 


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Please run away from this bank as fast as you can!! It is a deplorable financial institution that operates on the premise of defrauding consumers out of money to fill their own pockets. I was a customer for 16 years until the breakdown of this now ill-reputed bank. Also, against the law, they should not withhold funds from anyone being paid through the US Treasury. The latest and greatest disaster with this bank is that they sent me a check earlier this month from my closed account in the amount of $1221.87. Later I discover that this check is no good as I try to cash it and do a mobile deposit. 


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I received a text message regarding fraud on a Citi account and suspected it was a scam. Called Citibank and went through endless phone tree and 10 minute hold. Twice. Agent could barely speak English, was nearly unintelligible and didn't understand what I was saying. NO NUMBER IS LISTED TO CALL CITI REGARDING SCAMS.


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*Sorry for the long post*. I've never had such a hard time paying off a COLLECTION debt! I've been trying to pay off my debt since January but there is always something. In January when I called they said that the account was under "fraud investigation"- never explained! They said call back in 3- 5 days. I waited over a week to call back-nothing was resolved. I called again in February- the account was still under investigation!


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I opened an account a month ago. Because I had a large amount of money transferred into the account and I withdrew some money to invest. They closed my account and restricted my access. They owe me the remaining balance I still have in the closed account. Said they would send me a check in 60 days. Never explained why it was closed. From the reviews I have read they have lost people's money and some are still waiting for a check several months later. I think they need to be investigated. What kind of bank operates like this?


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Citibank is not the best bank to do business with, I rather deal with Bank of America or Chase Bank because they always make the effort to ease and simplify the issues. Citi customer service doesn't always bring solutions to your needs, and the phone lines quality is almost always bad. Also, they almost never pay you the introductory bonus, they always find something to deny paying.


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I started a new Citi Priority savings and checking account online. My intention was to transfer $80k+ from my previous bank to Citi to get better returns. Was in a fix between Citi and Discover. Went with Citi, linked my old bank account for ACH transfers. Initially transferred $100, then $50k after 4 days. These were added as Deposits, not available yet. After a week - account is blocked, called Fraud Department multiple times - got a different answer each time. After 2 days Fraud Dept says account is posted for closure and they will not tell why. I was like what could go wrong?? I was just putting in my money - did not take a dime. 


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Never before have I had late charges for a 10 day late payment past the due date. Whatever happened to make a payment shortly after your due date. These fees are hidden in the length unreadable legalize agreement on your credit card. Damn those lawyers!! Why can't agreements summarized in a more simple format. Typical of people, they never read the agreements because they are small print, hard to read and another lawyer could understand.


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I missed one payment because of not getting the bill, they immediately block your card. No grace period. They will damage your credit. There is no pint of getting any Citibank credit card. Goodbye Citicard!


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Citi bank is the worst bank ever. Customer service is very poor. A supervisor wasn’t even able to help with my issue with me having problems with my card. This is the worst bank ever. I’m never banking again.


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Have a loan with them on a new truck, charging me for insurance even though I sent them proof of insurance and had my insurance agent on a 3-way call with them who also sent over everything they have asked for 3x. Lost the title to the vehicle, told me it's my problem and now want to charge me for not adding them as a lien holder even though they were the last people with the title. Pure ** company!!!


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CITIBANK sucks!!! They outsourced their customer service and all agents are clueless, nobody knows what they are doing, transferring you from one department to another and then hanging up on you because they have no idea how to help you with your problem. Each time you trying to Zelle money to somebody your account gets locked and you have to spend hours on the phone with them till you get somebody smarter than others and he takes care of it in a few seconds. Stay with Bank of America or Chase, they are amazing compared to this stupidest bank ever!!!


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This is not anymore a US Bank. 90% of this bank support is in the Philippines. Also not sure who is responsible there for security, it's a joke too. The phone app does not even have an option to view important messages from the bank! I am trying to do an important wire from my balance, it's only 20k and the bank tries everything to delay or deny access to your own money! Be very careful once your money is in it will be very hard to transfer it out! I am filling a complaint on the gov page CFPB! Please find a more safe and reliable bank, the are so many options. I just got lured in by a sign up bonus!


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Beware of Citibank. They have lied to me, and refused to contact Paypal. Their actions assured that I would be cheated by a counterfeiter! Use another bank that will provide service and will not cheat you! In December I purchased a coin from Singapore. It was described as choice uncirculated. The coin was not only counterfeit, but also bent. I complained to both Paypal and Citibank.


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I purchased a bracelet advertised as 14k gold for $400 which turned out to be 10k. I had already paid for the purchase in full to avoid interest. The merchant refuse to refund me saying "No Refunds" which clearly was not on my receipt, so I open a dispute. I later filed a complaint with the BBB regarding Citibank locking me out my online account. I have to reregister my account each time. The next day, coincidentally, I get a letter from Citibank that my dispute was denied and I had to deal with the merchant. My balance was $460.15, I told the rep, "I'm deducting $400 from my balance and you deal with the merchant." Why have a credit card that doesn't protect their customer from fraud. I understand why their BBB rating is "F", and their offshore customer service is the absolute worst.


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I’ve had a Citibank credit card since 1992. Thirty years means zero to this company! As a result of COVID circumstances, I hadn’t used the card in 18 months. I have never had a late payment in 30 years. They closed my card with absolutely no warning because I didn’t use it. I contacted them the day I received the email it was closed and they said, "Sorry, too bad, you’ll have to reapply." I had a different credit card hacked into this past year so I had to put a freeze on all three credit bureaus. As a result of having to reapply for the Citibank card, I had to go through the trouble of unfreezing the bureaus. After that, I spent the rest of the day on the phone with Citibank reapplying. 


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There was a fraud activity on my account. Someone withdrew $3500 with some Random signatures and Citi had cleared the cheque. No verification was done. I had to close my account as there was another PayPal transaction which was fraud. I’ve not received my money yet. And the customer service is horrible, the phone disconnects every 10-15 minutes and then you have to get in queue again to call.


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I reported a fraudulent purchase. I never received my merchandise nor any correspondence from the company. I feel that it may have been a fraudulent website submitted my claim and writing still not received the merchandise. Received a notice that it was denied. I called spoke with the denial department and was asked to send additional written Statement. They had not confirmed that they received my original written statement. I've been with Citibank since 2014. Did not feel like a valued customer. I closed my card and will file a court case against them as well as a negative report with the Better Business Bureau


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Customer custom is a joke, The hotline menu is designed to mislead you from talking to a real person. When I finally managed to navigate the option to talk to a real person, it always ended up hanging up the call or putting me on permanent hold.


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Less than a year ago my account was hacked and someone stole over $2,000 out of my checking account. After spending over 10 hours (during multiple days) on the phone with supervisors, and the fraud department all I ever got was “We can't take any responsibility for your loss”. Citibank will not protect your money, or personal information. Do not trust this bank! I do not like talking bad about anyone, I just want to share my experience so others don't go through the stress and terrible experience I went through.


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I was recently charged by a merchant for an order that I did not in fact receive. On two occasions I supplied Citibank with a detailed account of my experience (6 pages), account records, screen shots, phone records etc., including a reference to similar complaints made by other customers of this merchant. On both occasions, I received a form letter from Citibank asking for additional information. The case was clearly handled by someone following a script, and although it should have been escalated to a manager, my case was not resolved, and Citibank allowed me to be fraudulently charged by the merchant.


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This bank is one of the most horrible bank I dealt with when it comes to business. I opened an account and the online website is not allowing me do my business. For ex, I was not able to make a payment easily. It took me a while to find out. Also the checks I issued took a while to get to the receiver. A few got lost. There is no customer service that is easy to approach. When I call I talk to someone in Asia who can't help then I have to be asked to speak with the "banker".


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I had a student checking and it was zero fees. Accepted the invite for a priority account due to the "ease" of transferring higher amounts of money 500+. Anyhow the fee to have the checking is crazy not to mention the 68 overdraft fee. What a trip. As if the bank is living paycheck to paycheck. Time to be Robinhood. No wonder everyone uses Coinbase and crypto money transactions are light speed and no one can bombard you without outlandish fees in fine print with a liability disclaimer.. Ahhh Citibank you used to be a better bank when you were smaller and gave darn about service. Now I have 3 more other checking accounts to test who outperforms the other, Citi sure is coming in last....Traditional banks are very slow operating on SWIFT time for change for the people.


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I have been with Citi for 23+ years. Nowadays service is degrading. When you call them they give you run around as they have too many phone numbers handling various services. They removed "Contact Customer Service" secure message option from their online/web page which allowed customers to submit their complaints/questions and let appropriate team pick-up the issues in 1st attempts instead of asking customers to call various numbers 800/877/888 etc.... Recently I was opted-in for paper statements of my bank accounts without my permission and that issue is not getting resolved since Jun-2020. I have called 5-6 times and no luck as call goes to off-shore where they ask me level 1 steps again and again with no success. I will be soon taking my business to some other bank which has branches in NJ and can help fairly quickly.


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The Home Depot credit card backed by Citibank will not let you pay the bill in the month before. My due date is the 4th, so I was paying 8X the minimum in the month before, and they assessed me a late fee. This must have changed for 2022, because I have paid the month before EVERY month for years without any issue. When I argued this, the woman on the phone just kept repeating "you can't do that." If I have to pay each month's payment during that month and before the due date, that means I have a 4 day window to pay my bill every month. I told her this was a ridiculous policy. I insisted she remove the late fee (BECAUSE I WASN'T LATE), and I paid the balance in full. I told her I would NEVER use Citibank again, and I would be making this experience public knowledge. She didn't care. So, beware what bank backs your store cards. The no-interest promotional periods are lovely, but not worth this kind of ridiculousness.


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I thought coming into Citi Bank it was too good to be true. They seemed perfect online and in person I really thought they were going to help me. But they never followed through when I noticed some fraudulent charges. Instead they just blocked my account and said they would mail me whatever they owed me. Clearly they are so disorganized they did not even have the right address. I tried to speak to a lady, so we could resolve the issue together. Instead she just yelled at me, was extremely rude, and just hung up on me when I was trying to understand what happened. This is by far the worst bank I have ever banked with. Based on previous reviews I have noticed they do not value their customers. Hopefully they can change and own up to their mistakes. My old bank was way better than this bank will ever be and I will be returning to them even if I do have to pay a fee.


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I was called by the CITIFRAUD dept about two fraudulent transactions which I oppose to and while in conversation they saw a Zelle transaction took place which we both Agreed that was an unjust transaction. So, the representative place my account on high priority for 30 days (blocked). And advise me to open a new account as a new relation client. I was adamant to open a new one knowing that I've bank with them over 24 yrs in good standing. 


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I've tried using Citibank before and had issues with them. I thought I would give them another chance but because their system for some unknown reason couldn't send me a text to a phone number I've had for over 20 years with a code to verify my identify they blamed me for it (after being on hold for 30 minutes) and closed my credit card. I won't make the same mistake with them again. Don't bank with them. BIG mistake.


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Without any warning CitiBank closed my checking account in July 2021. I received a letter saying that account will close in 60 days and that the funds will be sent out to be via a check in 30-60 business days after closing. The money had come in from the SBA EIDL and some funds had been transferred from my mother's Citibank account. By the end of July I was assured the balance on the account will be sent to via check in 60-90 business days. Come Nov/Dec I called back upon not having receiving the check, I was told that the initial check will be canceled and reissued and sent out once again.


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I have a very bad experience with Citibank and do not recommend their services. We opened up a new account with Citibank and transferred funds from another bank to cover our checks. Without any reason or any explanation Citibank blocked our account. They said that they will return our money within 60 days. Meanwhile they are using my money but how we supposed to pay our bills? Is this the right way to treat customers?


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Citibank promised me a $100 bonus payment if I deposited $10,000 in a Citibank savings account and left it there for a period of 90 days. When I called them after the 90 days had expired to inquire why Citibank had not credited me the $100 bonus their literature, soliciting my business, promised me, I was placed on hold for over an hour, waiting to speak with a representative. The representative, when they finally answered the phone, advised me that Citibank wouldn't deposit my $100 earned bonus until February 27, 2022, forcing me to leave my $10,000 for an additional 60 days in my Citibank savings account. Citibank misrepresents the facts to obtain new customers. Their customer service is terrible, they don't answer their phone and they blithely defraud their customers by making promises they have no intention of keeping. AVOID CITIBANK AT ALL COSTS UNLESS YOU ENJOY HAVING A HEADACHE!!


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I have had to spend over 6 hours with customer service just to get my $50,000 back out of this bank. Still trying but it seems like putting money in is easy getting your money back is impossible. DO NOT USE THIS BAD BANK.


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Screw this bank. I'm filing a lawsuit against them today. Don't bank here. They blocked my account and locked my card after l just got it in the mail and foreclosure my account. This bank is a fake. Don't bank here. Keep going.


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We went on-line and searched new banks to join since we were moving out of the Atlanta area soon, and into the North Carolina area. The best "offers" were with Citibank. We sold our home a few days prior, called Citi, set up some accounts and transferred money. (They have a promotion with +$50,000 in the account for $1500 incentive). We did this starting in November 2021. We moved all of our banking, one-at-a-time, to Citi. Today, they closed the account without any notice or reason. (We have digital notifications on our mail and there is no letter in our USPS box either). 


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SO I OPENED a checking account with Citibank. I had the account less than 3 months. I got direct deposit going. Citi bank decides to block my account due to a $24.50 cent overdrawn which was my very first time overdrawn so I head over to the bank and deposit 100 dollars to my account which they took and my account never went back to normal. I contacted their customer service which is a joke. Foreigners overseas who really don’t care about the consumer. I feel we all who has had a problem with citi bank need to report them to the federal reserve then start a class action lawsuit. BIG CORPORATION’s like this need to be made a example out of sue to them feeling they can treat us any way they choose.


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I always have enough funds and constantly check my balance before making prior purchases, in fact CitiBank has its system glitch which can't even provide accurate data to its own employees. They returned a credit payment check and applied fees for that on my account despite me having way more enough funds to cover expenses and this is now the second time. Their STUPID system can't even do proper math because of that they keep stealing people's money by saying you didn't have enough funds in your account which is an absolute lie! 


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Within 3 days an active card in good standing for 7 years was closed, I was required to submit a new application for the same card and denied. No major changes occurred to my credit or income. What a joke.


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I’ve done a lot of business with banks and Citi is by far one of the worst. I opened up a checking/savings account and then two days later couldn’t log in to online banking. I called and waited for an hour and they told me my account was flagged for fraud (with no transactions) and that it would be solved within 24 hours. So I call back 24 hours later and they tell me the same thing…wait 24 hours. I ended up waiting 5 days with no result until I found out ON MY OWN that I had to make new login credentials. Customer support never told me that after the 5-7 times I've called.


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Within less than 3 weeks they locked my account for 4-5 days twice. This is the 2nd time they locked it and it is still locked. Wells Fargo any lock issues they send you a text to verify and unlock or you call once and it is instantly unlocked. Citibank is garbage. I have bills and cannot even spend money to pay for my gas. Use Wells Fargo, Navy Federal Credit Union or any other bank, Chase. But do not ever use Citibank EVER! Just here to help people from non-sense headaches.


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My wife and I applied for a credit card and were approved for a $1600 dollar limit. We came up short on my last paycheck because I was sick and my job has no sick pay. So in order to finish our Christmas shopping and get groceries to last us until my next pay day we went to use it. With tax our purchases came to around $440, well under our already approved line of credit clearly. It declined at the register, so we called customer service to try and clear it up. After waiting OVER AN HOUR my wife finally talks to a representative who says it was flagged as potential fraud and that they would send us a letter, but otherwise there’s nothing they could do to help us. Despite the fact again, we had not put ANYTHING on this card! So she comes to the car crying to tell my daughter and I that ALL the products we had picked out we couldn’t get until we received a letter from Citi Bank. I was absolutely incensed.


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After at least 10 phone calls and numerous different departments and hang-ups my account was shut down and the fraud check was not accepted. They terminated my account as if I was the guilty party and charged my account for a returned check fee! This is one of the most mismanaged banks in the country from people that have no idea on what they are doing to mismanaged accounts! I not recommend this bank to anyone!


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I stupidly opened a savings account with Citi after being happy with their credit card. I found the $10 I put in overdrawn by $98 in fees. Customer service would not reverse all and close the account. I was stuck paying Citi $50 for an account I never used because I didn’t have a minimum balance in the account. Now I have to figure out how to close the account. My fault for not reading the fine print when I received an offer to open a savings account with Citi. Don’t bank with these people. They will rob you blind.


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Bait and switch in their their new checking account offer. I fulfilled their obligation and they want to add additional 90 days which the ad never mentioned so in total you have to keep your account there for more than what the ad states.


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I called the credit card company regarding a home depot credit card but GUSTAVO from customer service was very rude. I made a mistake while filing out the form and I was trying to explain what happened to him and he became super rude. I asked him to transfer me to someone who could help me and he refused. This guy doesn't belong in customer service.


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First headline, do not bank with Citibank, they are designed to rip you off and rob your money without shame. Don't even count on their customer service because there isn't any! Even if you speak to someone human (after 30 min. of waiting), it's someone with heavy Indian accent who doesn't know how to communicate or knows how to solve your problems, they simply follow a script saying "this is how it's supposed to be".


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Citibank Costco refused to help with a simple request after 15 years of membership and timely payments by myself. I did not get an alert that my credit limit had been reached, and I attempted to pay for a hotel that I had reserved (with my Citi card on file) several days prior. When the hotel clerk ran my credit, it was declined. I called customer service and requested assistance with this, either by having my credit limit temporarily increased or by processing payment for the amount owed immediately (which I was more than willing to have done). This was refused. 


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I had a account with Citibank Rockville MD branch and before I close my account, I transfer some money to another bank but some reason that transfer didn’t go through so the money went back to Citibank but at the time, my account has already closed. I went to Citibank local branch to ask for help. The banker said I am not her customer and she can’t help me. She even did not want to make a call for me. She give me the phone number to let me call online but nobody pick up the phone and the system keeping ask me my account # and SSN and when I put the number there, the system says it cannot recognize. It take me one hour to finally get to talk to somebody. The lady in the bank can easily help me to make this call and help but she chose not to because they cannot get any benefits by helping on this. It is a bad experience with them and I will never go back to this bank.


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1) Replacement card not received. 2) No way to contact Citi per Email. 3) Customer is forced to call the customer services for any topic. 4) Conversation on customer service automatically is finished if no ("optional") agreement to record the call. 5) Security questions related to family information (no-go for me) required. 6) Paid 60€ for express delivery of new card, that did not arrive before the promised deadline. Will still pay for the extra rate. 7) Summary: when you transfer hidden costs to your customers you lose them. Apps don't solve everything.


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I have never...well, I doubt that... been kicked around a company by a bunch of idiots who either cannot speak or understand CLEAR ENGLISH...and that is not a slur against anyone speaking English as a second language. I called the customer service number on the back of my Citibank Advantage Business card, and the person I got told me that it was the wrong department... that she was in the regular retail department. "WHY may I ask was this number on the back of my credit card if it was the wrong number." She apologized, which I ultimately HATE, and then after telling her very specifically that I needed the business department so that I could change the monthly payment from minimum payment to full amount, SHE SWITCHED ME TO THE NEW APPLICATION DEPARTMENT! 


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DO NOT WORK WITH CITI BANK!! My credit score dropped 75 points, lost the condo of my dreams, had to pay a couple of thousand dollars to my lawyer/title insurance and an appraisal +fees that should've NEVER taken place in the first place because I was apparently never eligible for the loan to begin with even though Citi requested for the sellers to drop the price due to the appraisal (THAT SHOULD HAVE NEVER HAPPENED)!!! Citi returned a portion of the money they owed me but never paid back an unauthorized charge of about $400 AFTER they sent a denial letter. I had to do two different loan applications because the team in charge of my file failed to do anything and communicate with me.


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This is one of the worst bank I felt, they never considered that we are customers. Without us they can’t survive, I’m not going recommend this bank to anyone even for strangers, I took a loan 2 years ago and never skipped any payment, but 70% of my loan is existing in the bank.


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As long as Best Buy uses Citibank I will no longer step foot or buy anything from this company. I had an account and was NEVER late with a payment with them. Once I paid everything off and because of my “overall” rating with the credit bureaus they closed my account. I wish the US would do away with credit bureaus. We are the only stupid country that does this. Canada, Mexico and even Europe doesn’t have anything like this. They are private companies that have way too much control of our lives!


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Citi handles the credit cards for Wayfair. When you register for online access, you can use special characters for your password. In fact, you are REQUIRED to enter special characters for your password. Your password gets accepted and you are granted access to your account. However, when you attempt to log in again using that password, it is rejected. This, according to a Citi agent, is because you ARE USING SPECIAL CHARACTERS. I was literally told you must register with special characters, but you can't log back in with that same password. The agent then deleted my account so I could register again without special characters, which I attempted to do. However, my registration couldn't be completed because my previous email was rejected as a duplicate. 


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This is an excellent card to have believe it or not. I have a Delta Airlines American Express card which is a damn good card. I decided on the American Airlines Citibank card due to the fact that American Airlines has much more connections and flight times than delta. I’m still way more loyal to delta by the way. Good experience in applying for the card. Got an approval immediately with a more than adequate credit limit. Not to mention a 50,000 mile bonus after spending $2,500 in 90 days. You do get bonus miles which is nice just like my Delta Airlines card.


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What has happened to ExxonMobil? They have gotten tangled up with Citibank, the bank with one of the worst reputations in the banking industry. I owed ExxonMobil $30.75. Decided to pay online. Big mistake. This was August. I put $37.25 into computer. It spit out 7.25. I went back in and added another $30.00. The next thing I knew was that ExxonMobil had taken $40.00 out of my bank account and had charged me an extra $27.00 in "late fees," which I was not. September rolled around and I did not get a statement at all. (I always want a paper statement.) I tried and tried to call ExxonMobil, but yes, you can get an "automated" voice but not a real human. There is no such automated answer as "what have you done to my account." It just got worse--more added "late charges" and phone calls from an "unknown identity." (Citibank, I assume.)  


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If there are Negative ratings, I'll be happy to rate the very least number. This is the worst bank to get the right answers about our account. For ANY clarification or how to proceed in our account, you will be transferred to 20 different persons, & hold the phone for 2 hours and STILL you will NOT get your answer, Ridiculous Customer Service.


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Call the bank and they can never send you to a manager. They don’t have any. I don’t know why you can’t speak to a manager or you can speak to the loan to the lien and release department. I emailed them 72 times and they only responded once and I provided them all the information in the first email all the stuff they said I needed to provide them.


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I had this card and loved it. I was never late on payment, not one time! I decided to close the account and pay it off in full. Citibank closed the acct but never took the money. I called them 4 different times over the course of a month telling them my account was at $0 but the money was still in my account. They kept telling me they had the money so.... I spent some of it. Well as I thought they figured it out and came asking. I was/am going through a divorce and was doing a refinance on my home. With that refinance the Citi Bank card AGAIN was paid off in full! Except this time they deposited the check. I had proof it was deposited on 7/25/21 because the refinance co. sent me a copy of the back of the check with Citi bank and the date but they continued to say they didn't have the check and added late fees and interest charges on my account. 


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My mother passed away due to Covid-19, We don't have a Citi Bank branch near here, the nearest one is a 3-hour drive away! Mom only had $44.00 left in her account and they froze her account. I offered to e-mail or fax her death certificate to get the remainder out of her account. They refused! While it's probably not worth the effort, I am tempted to drive there and give them a piece of my mind! I can't believe how horrible they treat their customers.


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Shame on you Citibank and the customer service that you provide & more :(. You are ripping people off. I had to call 5 times in order to have a supervisor on the line that was polite and explaining things and ready to help. What a shame! If I leave I lose my certificate… Do not trust this bank.


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I opened an account with Citibank in 2019 and made deposit of $8k in cash. Two months later I traveled and figured out the Citibank without any announcement Citibank closed my account which it had $8k+ in it. Since then I have been requesting my account balance for many months now. Every time I call they ask me for 3 weeks to process my check then 10 more days to my check be delivered, and then it never comes and the circle start again and again. Opening this account was the worse decision I ever made in my life, this bank is a scam. Today I received the same BS answer from the customer representative and I won't wait for this check anymore. I will contact a lawyer and take it to court and hopefully take more than my $8k from them. Run!! Run away from this "bank" scammers.


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Do not use Citibank at all. They are horrible! The worst banking and credit card. The app is clunky and not user-friendly. Their website always has an issue. There are long wait times when it comes to customer service. You are better off using Chase or anything else because this is the absolute worst!


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I opened a savings account online. To add a beneficiary, they have to mail you a kit. You wait to get the kit in the mail (approx. 7 business days) then you have to have your signature notarized on the Beneficiary Designation Form, and mail it back. I designated 2 beneficiaries. I included a note asking to be notified when they received the form. Didn't happen. I followed up and found that they added the first beneficiary but not the second because the complete name (first, middle, hyphenated last name) was too long. 


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If you plan on purchasing a home, DO NOT go here. I am part of their Private Wealth group with CITI. I had a contract to buy a home with 37 days to close. I submitted a complete file and they submitted my file to underwriting within 5 days. My file sat in line to be underwritten for 32 days. I had to extend the contract 5 times. This caused tremendous amounts of stress for the us and the sellers that were trying to buy another home. They changed the rate and the terms after I was assured several times that their 10 yr interest only program the week before my closing date. I had to involve the Regional President and the mortgage manager to just get my file looked at and have them give me any priority because of my closing date.


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Wanted to transfer money more than 50 thousand, Online did not allow. Limit is 50 thousand, called bank, they said to transfer twice, I didn't want to pay $25 more and also it will cause confusion in receiving end. When I called customer service, they said to upgrade to some prime account. I didn't want to do that, asked to increase limit for one time, they did not agree. I live in CT, I had this account more than 20 years, cannot go to NY. Spoke with supervisor no help. I am closing all Citi related accounts. Spoke with supervisor Maria on 9/27/2021 at 7.00 am, about closing account, she said no problem and did not offer to waive off $25. Never bothered to care. I am closing account, no care for old customers.


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I have opened a Citi Priority account on 08/02/21 and maintained a balance well over 10K. I successfully linked my Citibank account with my mortgage company before 08/15. On 08/28, I made my mortgage payments as ACH payment from my Citibank account. Citibank returned the ACH withdrawals without paying them, though I have 3 times more money in the account. Never notified me via phone, email or postal mail. They claims that my account on under 'review' at the time the ACH debit came in. Never explain why; never notified me either. When I tried to login to Citi bank online, my password is not working. I called c/s and after about 45 minutes on the call, they say all holds are removed (still doesn't say what was the hold for). Never told me the ACH debits were returned unpaid. 


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I have been with Citibank for years. Recently my visa credit has been replaced because of fraudulence activities, which means the old credit has been discarded and I have the new card; but for some reason the citibank informed TransUnion credit bureau agency that my bank account has been closed, which is not true, since there is a balance on my "closed" account; my credit score has dropped 144 points from 804 to 660; that is what TransUnion representative told me. I contacted citibank customer representative twice today; and ask citibank to contact TransUnion to correct the error, the request was denied. Can you imagine if I am going to purchase big items like car, home, etc, what would happen after checking my credit score?


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I have Citibank checking and savings account for more than 25 years. However, I finally decided to close the account and switch service to another institution. They used to have superb customer service. But the quality of customer service is horrible nowadays. Also, they let the fraudulent activities happen without my authorization.


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They offered a promotion to open an account and after meeting few requirements in 3 months to get $300. I did all those and waited for 6 months, and calling 10 times. Still they have no idea. What is what!!??


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We are American citizens who live part time on Trinidad & Tobago. We moved there 20 yrs ago and had our USA billing address for our card changed. We had a fee card with Citibank, paid up till July 2021. When a recurring payment didn't go thru, called them, learnt acct closed in April due to foreign billing address, a letter was sent which up to now we haven't received, borders were closed till July. This in a pandemic year. We applied for a new card with our USA address, denied, Equifax said no credit data for us. It should be excellent, always timely paid, a card we had since 1988, with $19000 credit limit. 


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I don't even know where to continue the story of dealing with Citibank; all I can tell you is to put your money with someone else... ANYBODY ELSE!!! You'd be better off putting your money into a dirty diaper and burying it three feet underground. Sure, it'll be nasty when you have to access it but at least you:


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It all started when I deposited a check paid to my business into my account. I received a partial disbursement of funds until the check totally cleared. I was already spending these funds on a Friday evening. Come Saturday morning, I attempted to use my card. It was declined. Also, my account through the app became completely inaccessible. Come to find out, the “fraud” department at Citi locked my account late at night on Friday. So now I am totally without access to my legitimate money and guess what! Their “fraud” department does not work weekends. How lazy for an institution that handles your hard earned money. I am totally without a dime and there’s “nothing they can do!” 


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Citibank destroyed my credit score by 34 points claiming I filed for bankruptcy which is not true. I have somehow have managed to pay off credit cards despite being laid off for 5months in 2020. I was starting to pay this one down and they cancelled it and then claimed I’m bankrupt even tho that was not true and I have never missed a payment.


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Citicard customer service is non-existent after 6PM. Tried to put card on Samsung pay and they put a Fraud alert that prevents ANY usage including autopays until a letter through the Postal system is received in 4-7 business days. In the meantime my accounts are not being paid and I am incurring late fees. I have had well over 50 cards in my lifetime and have never had this situation. The WORST card ever and I will close my account as soon as I acquire another card.


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I tried activating a new credit card and was unable to do so even though I already have a banking, checking and another credit card with this bank. It didn't give me a phone number for activation, when I finally reached them they gave me the third degree 45 minutes and my account still wasn't activated. Now they're stating that I have to wait for a letter in the mail before I activate my card. Citibank outsources its telephone employees which means horrible communication. I had a lot of trouble in the past dealing with outsourced companies, there is no logical communication a lot of the times. I broke my cell phone one time with another company because of their incompetent employees. I wish this bank would not outsource their employees as well as other companies who do so. The aggravation is very upsetting. Hire Americans please!! Although these outsourced companies employees speak English I don't think they understand it.


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Calls took place on 08/23/2021 between 6 pm - 8 pm EST. If I could give 0 stars, I would. I changed my phone number and was going to all of my accounts (Citibank and others) to update my information. I tried to update my phone number online, but the system wanted to send a verification code to my previous phone number. I called customer service but the CSA kept saying that my new phone number was unverified. I couldn't understand. Of course it was unverified as I had just had the number changed that day. I asked for a supervisor and things only got worse. She refused to transfer me, began talking over me then disconnected the call.


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We opened a Citi priority account using a promotional offer to earn $700 cash bonus within 60 days. After 60 days we called because the funds were not transferred and they stated that the promotional offer states it was not 60 days but actually anywhere from 60 days to 180 days. I found the initial promotional offer statement, which did not state that. I called them back and another agent stated it should've been 60 days as I originally thought so they opened an investigation. They gave us the run around stating we never filed a tax certification. An agent opened the account for us and never mentioned it. They asked us to file it, mail it, then they will restart the investigation. It's been 6 months now. 


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Over $2,000 was stolen from my checking account. I filed a complaint with the bank. They have refused to reimburse me the money even though they are FDIC insured. I no longer trust this bank with my money.


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Citibank is horrible. I have been trying to close an account with this bank for almost a year. Oct 2020 I closed my accounts with them and the next day they allowed more charges to be applied to the account, then they waived the charges and let it happen again and again. Aug 2021 it's still not closed. Save yourself some misery. Stay away from this bank!


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I had a checking's and savings account open. Earlier this week I called so they can close both of the accounts completely. I had a balance of $2.24 in my checking's account while my savings was saying account closed via the app. I finally ended up withdrawing the $2.24 within the same week from my checking account. That same moment I see my savings account reopen and I was thinking it was just a glitch. Next day I see a balance of -$24.99 on my savings account and I only use to transfer money, never to make any purchases. I called customer service and their incompetence completely ruins any recommendation I have for the stupid foolish bank because I don’t know where I got it interest of one penny they have charge my account.


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Always paid on time, paid over my minimum. I paid the card off in full $5000 and a day later they reduced my credit to 100. My credit and income are the same, no derogatory marks. They are cutting card holders due to Covid and predictions of a recession. They could care less about your credit, or payment history. It is all about greed and Citibank is the bottom of the barrel. I have other cards so, oh well but, it is the principle. Sleazy....


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Citibank Bank blocked access to my bank account and hold about 12,000 dollars of my money because they were not able to verify my physical address in their system. They did not send me any letter or notice to notify me about this verification failure or blocking my account. This money was all my investing and current salary. They rejected to return my money back until I hired an attorney and sued them in court. Due to my family needs and don't have access to my money, I lost my home and had to work in three different places to be able feed my family. For eight months, they blocked my money and it costs me four thousand dollars to hire an attorney to take my money back. This bank is a scathing indictment of American Banking industry.


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I’m a new Citi customer and I wish I’d seen all the negative reviews. I signed up online BEFORE I knew there were ZERO branches in DFW. Changed everything over, including my Direct Deposit. My first paycheck was live. Once I learned there were no branches so I couldn’t cash and deposit my live payroll check, I called and spoke to their clearly outsourced customer service…I was told I would have a THREE day hold on my check (paid on Tuesday 8/10, so $$ should have posted by Friday.) I was ok with that… so I mobile deposited my check.


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I have bank accounts at Citibank and at many other banks. The customer service person, named Carl, had a very strong accent (hard to understand), claimed to be a supervisor. He said he cannot access my account based on my SSN, full account number, full name, etc. until I given him my co-signee's full name. He wouldn't tell me if I have a co-signee or not but just kept asking the full name! Then he hang the phone up on me. THE WORST CUSTOMER SERVICE FROM ANY BANK. I WILL NEVER AGAIN DO BUSINESS WITH CITIBANK. This bank better fire this person Carl! Carl hangs up on Customers! FIRE CARL! Citibank is the very worst bank in the world! Don't do business with Citibank!


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I had to call Citibank 12 times to resolved an issue with fraud on two Citibank cards. I spoke with 12 different individuals over the course of 3 months that worked in CS at Citibank. I was directed to 5 wrong departments. I was disconnected when speaking to security. I was told they sent me a letter. They did not. I was told they just closed the case and left the debt on my card because I did not respond to the letter. Well if you look into the CS call logs, you can see I have been trying to resolved these issues 12 times. I no longer trust Citibank. Take my advice and don't do business with them.


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Citibank will be losing a card holder after the last dispute that I had filed with them regarding a defective/dead product. Citibank sided with the merchant who is clearly not standing behind their own return/refund policy. I wasn't the only customer who had this similar problem according to Google reviews of the merchant. After being a card holder since 2003, really disappointed.


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My experience with Citibank was atrocious, I needed a form notarized and they made me wait for 2 hours while allowing other customers to skip me just to inform me that the notary was about to leave and couldn't take me which wouldn't have been a problem if I didn't have an appointment at the DMV. Employees were terribly rude and would look down on you. Worst experience ever, I am genuinely disappointed.


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I have had a Citibank credit card since 1986. Never missed one payment and always paid my card in full. Because I didn't use the card for two years, Citi cancelled the card without me knowing and by doing so caused my credit score to drop from 804 to 770. No call, no letter no contact...just cancelled the card. Customer loyalty means nothing to Citibank. I will go out of my way to never deal with this bank again. I will make sure any investment I own does not have Citibank in them. I will let everyone know that Citibank is not a bank to do business with and longevity means nothing to them.


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I have had my Macy’s card for a few years. Mostly on time payments the occasional late bcuz of life circumstances and I work early and long hours. So it started out as one amount and then just got lowered without reason or notice. My available should be available and I didn’t even get to my limit at its highest. Then they would suddenly lower it to the balance.... Damaging my score, making it look like I’m maxed out. This should be against the law to tank someone’s credit rating, which leads to other cards dropping my limit and raising my interest rate???? What the crap!!!!


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I will be reviewing the Citibank Simplicity card (also had my Costco card closed... but that's a different review). I had opened this account and have had it for at least a few years. Had a great intro 0% for the first year and eventually paid it off. Had a lower credit limit of $2250, so I figured I would save this one for a rainy day emergency. Within 2 months of my Costco card being closed for ridiculous excuses (never missed payments, kept a balance - which seems to be what Citi cares about most), I noticed that my Citi Simplicity card has also been closed. I had not carried a balance on it for probably 6 months now. Absolutely garbage... I have had plenty of other credit cards (one with $12000 credit limit that sat at a $0 balance for over a year and were never closed.) I would take your business and trust any other creditor. CitiBank could care less about the people they work with...


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My experiences with Citibank over the years have been pretty bad as whole. I’ve never seen such a money hungry investment bank. Their need to invest my money that was deposited to rescue me was invested and pending which left me stranded in the middle of nowhere in Maryland. My account was locked. I couldn’t make any purchases with over 6k in my bank account. Not to mention they took $4,995.24 of my money and put in a pending status stating that company that I was buying the car from had the money but the company never received the money they had it pending investing it. I expressed to everyone I spoke to multiple times I will be stranded if you can’t help me get the money that’s in my account to the car dealer. No one care. All they said was wait 1 to 3 business days. This is a HORRIBLE BANK. Don’t put a penny in Citibank if you want your money


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While I was outside of the country in December 2020 fraud was committed on my Priority checking and savings accounts. I notified Citibank immediately of my whereabouts and when I would be returning to the States. The fraud investigation department opened new accounts that would become active once I visited a branch to verify my identity. However, Citibank closed these new accounts - two months before I returned to the States - due to my not signing signature cards! I never authorized or needed the line of credit used in these fraudulent transactions. Citibank penalized me for "overdrafts" on this line of credit by sending negative reports to all three credit agencies, causing my credit score to nosedive!


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They blocked my account, they claimed that, I deposited a fraudulent cheque. They received the money of the cheque from the Bank of America, and the money setting in my account and I cannot use it. I provided them with the proof that, the cheque been paid from the Bank of America to Citibank. And they still holding my money. The worst Bank I have ever seen. I cannot wait to close the account with them.


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I have had high respect and they started me off with $8000 credit limit. Last I used in Sept. 2020 for some travels, family wedding which put my balance as $6500 and have always paid off the min. balances and a little extra and finally got to $5000+ and I got email saying that my credit limit is reduced now bring my available from $1700 to $150! Then I kept paying and now my balance is only $3350 and again they reduced my credit limit to $3440, making my available from $2320 to $89! Really? They just want to mess with customer's credit score. The fact that I do not use the card and I was relying on the original credit limit to boost my credit score. The reason they gave is that I had delinquency in my credit score and I DO NOT HAVE ANY delinquency (I had one like 8 years ago which is paid off and off the credit score). 


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Horrible customer service. Trying to close an account of a deceased account-holder who has been dead for over a year. Despite submitting appropriate documents to the bank over a month ago, still have not received money. So they're holding over $170,000 that doesn't belong to them for over a year. Has been the worst bank I have had to deal with in this whole process of being Executor of estate.


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I opened a Savings Accelerate account. I have called numerous time to add a beneficiary to no avail. I keep talking to customers service that can't speak English and supervisor that keep lying about sending me an application to add a beneficiary & I haven't received nothing in the past month. When in fact they said will be sent overnight delivery. To no avail.


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My wife and I went on vacation to Cancun Mexico. We rented a car and when I tried to pay using my Citibank card to get gas, it was declined. I had notified Citibank that I would be traveling before I left. When we went to fill up our rental car, once again the card was declined. I ended up using my Wells Fargo card to fill up. The fill up 58 dollars. The next day I got a notice from Citibank that I had been charged $285.00 ( from a city in Mexico I had never been to). I had citi closed the account and send me a new card to prevent this from happening again.


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I have had a problem with an investigation with Citibank. There is a long story that basically involves the wife and me getting strung along for the last 6 months about getting our money back. Come to find the it was considered a "authorized charged" and it sure wasn't. So now I'm stuck paying for it when I had nothing to do with it. For the last 6 months I've been told that I would get a credit back on the card. And for the last 6 month they told me the exact same thing. "Your credit will be on the next billing cycle. We're sorry for your troubles." But it's not. So I called today and the investigator told me there is NOTHING they can do because it's an "authorized charged" that I NEVER authorized. I've been wasting my time and the wife's time trying to get this resolved. For 6 months I've been lied to.


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Every time I call no matter what time I get someone that don't understand me or I cannot them. The fees are ridiculous! With Chase I would call and if there were any fees they would try to reverse as many as they could. Here with Citibank I felt it was such an inconvenience to have the representative put in a request reverse any fees.


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Where to begin about trash Citibank -I received a call From Jamika ID#** on a Sunday - after multiple automated calls I picked up - I had closed an account a month ago (and paid in full) and they had charged me a late fee on a balance left (must have been a pending payment). Jamika refused to waive the fee- CHASE BANK WILL WAIVE ALL FEES - CITI BANKS CUSTOMER SERVICE IS ABSOLUTE TRASH! They won't even waive a late fee on accounts over a decade old with full balances being paid off in full montly- Again Take your money somewhere else - These people will call you repeatedly on a ** Sunday to take up an hour of your time to collect $80 ($25 of which is a late fee). Absolutely absurd.


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I've been with Citibank Credit Card for over 20 years. During covid I accumulated a high balance which unfortunately was revolving for about a year. I still made on time payments and above the minimum required. I finally was able to pay it off in full. One day after the payment cleared they lowered my credit amount by 80%. I was trying to finally get back on track and improve my revolving credit utilization and repair the damage to my credit and they punished me instead during post covid era when people are trying to get back on their feet especially a customer of 20 years with zero late payments ever. Closed the account. Don't need them.


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Very upsetting when you work very hard on your credit for someone to make a hard pull and them ask you for more info when you have Excellent credit. Citibank asked for cpa or paystub when I'm a single owner LLC in the which I don't need to have a paystub when all monies go directly into my bank. I ended up canceling the processing to pay for a purchase with my bank card. Sad....


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My account was closed for no reason with an SBA fund on it over $20,000 so I had to call and they asked series and questions and got all infos and proof needed but still won’t open and yet won’t issue me a check I mean. TF is wrong with this bank??? I NEED MY ** MONEY...


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Anyone who wants to do business with Citibank should read this first.... This is only my opinion since no one I called could explain why Citibank is unable to verify my application. If you have amazing credit and really good income, Citibank does not want you, apparently, Citibank is only looking for people who will carry a large balance. Citibank can then get rich off the backs of folks who can not pay off their balance every month. In my opinion Citibank's interest rates are high since the national interest rates are next to 0%, yet Citibank charges 15.99% up to almost 30% if you have an issue. Again only my opinion.


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I have my mortgage with Citibank. I applied to refinance in October 2020, it is now July 2021 and I am still waiting to get the refinance done. They tell me constantly it is almost done, or it will be done soon... This is ONLY when someone actually responds to you. Most of the time you go months with no contact as no one answers your emails or phone calls. It has been over 9 months and I am still waiting. This company is horrible for a refinance and I do not recommend it at all, I highly recommend you go to any other company if you are looking to refinance your home.


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I opened my checking account with a coupon online. I forgot to copy the account number. So I called 1-800-745-1534 at 12:51 PM and spoke to an incompetent **. Who refused to give me his name and my account number even if I provided my social. I then demanded he transfers back my $93 from my account and closes it. This ** refused without an explanation; this fool does not know how to de-escalate a situation. Anyone with a brain in their head knows when someone is as upset as I am, YOU IMMEDIATELY GET A  SUPERVISOR ON THE CALL, WITHOUT ME ASKING FOR ONE. YOU SURE AS HELL DO NOT HANG UPON THEM. 


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I went to go and withdraw 40 out of an Citibank atm machine and it acted like it was trying to give the money yet no money was dispensed and I had called right then and there just to be told they wouldn’t even credit my account back the 40 that their atm machine screwed me out of. Just really wanna know how extremely bad that Citibank can’t even afford to credit 40 to my account so as it sits being a holiday weekend I won’t see that 40 until mid next week and if that even ** 10000% **.


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I'm really disappointed at the bank and customer service for ruining my son's graduation party. They declined my credit card for an error that they made.. I made my payment on time and on the due date I call to double check and told me I was good..so the day come for my son's graduation party and I go shopping and find out my card is declined for a due payment... I was so embarrassed and didn't know how to explain to my guess and my son... He got so mad and to this day he can't forgive me... 


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This bank is the WORST bank ever! My account was hacked and Citibank keeps claiming that I received a two factor authenticator which I did not, and have repeatedly told them that that is not me making these charges. I even called them after the first two claims went through thinking that they would take higher security measures and not let another $10,000 transaction go through after I had already called to alert them that the first two were completely fraudulent. I have since appealed both denials of my claims which have also gotten denied. This bank is completely ridiculous and has made me lose faith in all financial institutions. Their security is not only garbage but also their customer service as they clearly do not care if you lose money under their watch!!! NEVER DO BUSINESS WITH ** BANK!


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Do Not get this card or any other credit card from this company. Have had this card for years with no issues. Until Covid happened. Then they started lowering the credit limit with every payment made so no matter what you do the card is always maxed out. It also increases your monthly minimum payment when this is done as well. Just made a payment of 50% of the balance to try to give my credit score a boost in preparation of an upcoming home refinance and two days later they lowered the limit again. I pay all of my bills on time yet my score went from the 700s to the 500s due to this new credit card trend. I am lucky I did not have to survive off of these cards during the pandemic. I can only imagine the people who lost their jobs thinking they would have their cards as a back up. Absolutely disgusting. Do jot get this card unless you want your credit score destroyed.


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Horrible service provided by unprofessional female teller. Blames customers for her sloppy job. Very slow when depositing cash. When I told her that the way she processed several cash deposits was slower than last time, she responded out of nowhere: "If you don't like the way I do my job you can go to another teller next time". She throw piece of paper at me. I ask for manager and I was told that manager will be with me in minute. Never come after I was waiting for change for quite some time. Worst customer service ever. This branch needs huge improvement and needs better trained staff.


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I have never gone through such a horrible time with accessing my funds due to a dispute in which still sits on the back offices desk I take it. It's funny how I cannot get anybody to answer any of my questions and why they keep accepting ACH deposits if my account is blocked or locked without any type of notifications or for that matter no disclosures to why. No levies, loans, nothing else of that nature. So why are they withholding my money from me??? Where is there a remedy considering I cannot even access a bank in Massachusetts. Then nobody will discuss my own account over the phone with me. This is ridiculous. I need a legal remedy or to go to the AG's office I take it!!!


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I opened an account with Citibank because they are supposed to be able to be good for international travel. I am traveling right now and tried to use my card last night to make a purchase, they declined it. I called customer service and only got third party agents that refused to verify my account because I can not access my American phone number, obviously because I am traveling. I gave them my social security number, phone number on the account, and debit card pin number.


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I deposited approx. $1000. in ATM inside my branch. There was a problem with ATM. Bank Tellers and customer service informed me It would take several days to a week for my funds to be deposited into my account as they subcontract to another company to managed their ATM's. In meantime, I could not pay my bills incurring substantial late fees.


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Made arrangements pay off my bank debt, to keep my card active, I held up my end, and they canceled my card, just as I needed it for tires for my special needs van. Like many of you I had a rough time with the shut down due to Covid, I kept in touch with CITI and they still took advantage on me during these hard times.


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I received a letter from Citibank indicating that I had two hundred in my GOLD Account. I went to the bank to inquire and learned that the amount processed was different than the original amount indicated on my check. I was not aware of this long-standing issue because in that period, my husband died and I had to be away for a while. I was going through many changes! I explained this but they were apathetic. The entire situation was devastating for me! The response by the manager in the Clifton location was that I was at fault. She said, "It's a customer's responsibility to look at the statement." And though correct, it was cruel and sad not to acknowledge their fault as well.


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I feel really secure doing my shopping with you guys, besides the prices and variety that you have and delivery is fast and always I can count with my stuff in good shape by my door, thank you so much!!!


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I have had a card with this company for over ten years. They did a random review when my credit was frozen. When I tried to contact them to get this fixed I was unable to get any assistance, and dealt with rude customer service. They are completely unhelpful, and do not value their long term customers. DO NOT ever get a credit card with them.


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We've made multiple calls on negative balance (overpayment had made account negative since 10/2020), so I called 3/26/21 to request a refund since we didn't have any purchases to make. They told me they would make request, but I could follow-up in 1-2 days. On 4/2/21 I contacted the main number AGAIN and I was told we had to prove the overpayment by submitting our bank statements (remind you our statements since 10/2020 have showed negative balance) to a random fax number, which we did. They told me they had 1-2 days to investigate. I contacted them again 4/8/21 and told it was processing and check would be cut 7-10 days.


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As soon they notified me, about the minimum payment and due date, I pay off their bill 2 or 3 week ahead of time, to make sure that they received before the due date. To void a past situation, that the payment reach them same due date, but they notified me that they didn't received, we tracked the money order, and we found out that the money order was deposited in their account, and changed. Which I send them a copy of the money order, was place in their account. That is my main reason that I have been paying their bill ahead of due date, and they reprimand me for that. I have violation the law for paying before due day?


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Opened Account in July 2020 to take advantage of Cash Bonus Offer. Had to keep high amount in checking and savings account for 6 months. Took almost 30 days to open these accounts - they even requested a credit check to open a savings account? After I received the bonus, I waited the appropriate time and closed both accounts. It was a nightmare, several calls and charged fees but finally I thought I was done in March of 2021. Now in May 2021 I get a letter stating my savings account is overdrawn. It seems there was $4.00 of interest calculated after I closed all accounts and they have been charging $30.00 mo. service fee to maintain a closed account. It took 5 phone calls and 1 hour to explain I do not have an account. I was closed out of online access because I HAVE NO ACCOUNT with them. Still not sure this is over, avoid this bank online, total nightmare.


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I have had a Citibank credit card for over 13 years and have never missed a payment. I lost my billfold in November and called to get a new card sent out. They told me that they were not going to issue me another card, it was being canceled. Couldn't tell me why. I called back 6 or 7 times to try and talk to someone, even a couple supervisors on why my card was not being reissued. I heard everything from there just not going to reissue it, to I cancelled the card to I made a couple minimum payments. I think they have a list in front of them that they go off of. I worked hard to build my credit up with them. 13 years, had over 4000 dollars of open credit and they cancelled me and my credit score dropped 27 points. So if you're looking at Citibank, good luck. PS, I also have a Capital One credit card that I got at the same time as Citibank. Still have a card with them!


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They charged my account 3 fees for the same thing. They are refusing to refund the fees. It is completely unbelievable. I just started a savings last year and they have been taking it non-stop. I am not saving to keep the bank rich, what kind of crap is this!


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Citi locked my account for fraud suspicion, which is fine. It is good they have a system in place. However, they completely lack an understanding of how their bank or international branches work. At the request of Amy and Allen in their fraud department I took a day off work, drove an hour to their closest international branch, and spent two hours on the phone with the manager of that international branch only for them to repeatedly tell Amy and Allen that her requests violated Citibank policy. Their agents are rude, their system is outdated, and they show no remorse or ability to help their customers.


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I pray that my statement will help those who want to apply to this company or is already in it that I saved them from continuing. My name is Jessica. I have been with this company since 2017. Ever since the covid that I fell off they have been applying major interest to my credit card to the point it went past its limit. Way past. I work out a payment plan with them and they still put interest on it to the point where you have a hard time paying this thing off. This company does not repeat does not care about you or what you went through and still going through if you're homeless living off a paycheck to paycheck to get back on top. They will apply and keep reapplying interest to feed their greedy faces. I have never had a problem paying bills till this covid came and thank God I'm a survivor but this company is such a heartless company that they don't care about nothing. Even if my account is closed I'm going to repeat this.


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I’ve been with Citibank for over 20 years. Always kept a higher amount $ 10,000 in both savings and checking. I’m being held hostage due to a “department” being closed which means I don’t have access to my money and can not take care of the responsibilities at hand before my work travel in three days. No one can lift a fraud alert off of my account that was placed back in October of 2020 and here I am April 30, 2021 and it’s still not lifted. Help me understand? I’ve spent this whole entire week speaking with everyone but their dog went in circles with every department known to man. By time I get to the RIGHT department they're CLOSED 3 days in a row.


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I have had a business bank account with Citibank for 40 years. In late March my account was blocked without any notice to me. I could not withdraw funds. I could not pay bills and I could not receive deposits, including social security monthly deposit. I spoke to Consumer business support in their KYC New York Office which doesn't seem to be connected to my bank account as they had the wrong address though on my bank statements it is correct.


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I have a recurring transfer to an external account. It happens every month, yet it does not show up on my dashboard or activity. Once I hit activity and search for it on the list, It doesn't show up at all. It also doesn't show up in recently completed transaction! The only place it shows up is in the balance. I have tried to get through to CS but they don't care. How can a website get better without real feedback? Overall, I like the website but to have invisible transactions happening is maddening and can cause an overdraft. It is a bomb hidden in my account. Beware! This one item is so important that I can only give the website one star.


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Please think twice before joining Citi bank. If you have any type of banking needs beyond what you can do on the app and direct deposit it NEVER works! They do not accept Zella as deposit, customer must take a cash or check to bank. Customer service unable to provide correct info to customer, bank does not take any responsibility. I never use this bank!


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Had a business account with no problem. Up until August 2020, when account was emailed for fraud alert and I didn’t respond in time. Account frozen and closed. Balance was told to be sent it after 45 days of closure. It is now April 2021 no response, can’t get anyone to answer as to where my money is and no one speaks English. Beyond pissed. Not good business at all.


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I am a Citibank customer for over 15 years. Citi made an error in my old account and they told me to open a new acct. I did what I was instructed to do, open a new account. I moved my money to the new acct and now they are holding my funds since 04/04 because they are doing a verification. I've call their "New Accounts" department (talked to VeeJay, Henry, Ivan, among others) numerous times and asked for a supervisor and all they say, that "New Accounts" dept, doesn't have a supervisor. 


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I was trying to confirm the address where a new card that I did not solicit was being sent to, and they would not verify the actual shipping information. They just kept saying that it was sent to the address on file.


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Please think twice before joining Citi bank. If you have any type of banking needs beyond what you can do on the app and direct deposit it NEVER works! Calling in to try and figure out what happened to a rejected INCOMING citi to citi transfers is a nightmare. $16,000 MISSING. You have to re-authenticate yourself every time, you speak to a different person every time and I got disconnected three times! No one can ever resolve my issues and trying to get to a manager is impossible. You just get disconnected and have to go through the entire process of calling back and re-authenticaing yourself over and over for each separate department they transfer you to. I will be pulling my money and business from Citi as soon as possible. I don't have a Citi branch near me. Unless you have 250k plus in the bank and a personal banker, BEWARE.


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Opened savings and checking totaling a large sum to take advantage of the promotion being offered. After 90 days of not being credited as the promotion stated I made an inquiry. No customer service on app or online. The option to email was also taken out. When you call it gives you a hold time of hours depending on the time. When I finally got of hold of them they opened an investigation. Immediately after I get a letter saying they couldn’t find the promotion code when it was them who told me to open the accounts and about the promotion. I am in the process of closing all accounts. There are better options out there for reputable banking.


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I have been banking with Citibank for more than 40 years. During that time customer service has declined from being great to being non-existent. Secure messaging through the website has been removed and replaced with chat. When I called them I spoke to someone with a broken headset and I could hear only ever-other word. My issue was with bill payment. Years ago, Citi would stand behind their bill payment. If a payment was missed or lost, Citi would give me a letter to take responsibility for any late fees due to a bank error. No more.


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I have the worst experience with Citi. I created a saving with a 2.85 % APY, after the first 3 months they gradually decreased the APY month by month to 1% in 1 year. When I closed my account, they said they will mail me a check for the 900 plus dollars I had remaining in my account. It has been over 2 months and I never received any money. I have called them 5 times every 2 weeks. They always said they will mail me the check and I never received any money. I believe they are just playing me around until I give up the money for them. They are a bunch of Thieves.


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Worst bank ever. Still have my account since 4/6 under review. Won't talk to me or tell me why and had to tell my daughter she couldn't go to her ball tournament this past weekend because I didn't have any money. They don't care about anyone at all. I keep getting told 24 to 48 hours. Does that go on forever. I will be contacting the FTC on this as this is not acceptable.


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I opened my account online 03/05/2021 due to covid. After receiving my debt card in the mail I went to the ATM to withdraw money that was in my account, my account was blocked. I was told by fraud department I need to wait 24-48 hrs for someone to contact me. I was never contacted by anyone from Citibank. 04/07/2021 I'm still waiting on the fraud department to contact me. I want to withdraw all monies in my account and close it. This is a nightmare. How is this legal.


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I applied for a loan in mid January. I have excellent credit, sufficient assets, and a property with an accepted offer under market in the Bronx. It’s been 2.5 months, after begging for an update, my mortgage broker is going be out of the office for 2 weeks. I understand that Citibank updated their mortgage system, but my experience has been unacceptable. As a CPA, I will NEVER refer a client, friend or enemy to Citibank.


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I am with Citibank since 2008 and loved this bank until they decided to freeze my money just because I wanted to pull some cash out. Not like the money was a cash deposit or bad check. It was actually transferred from my nephew who is my household member living in same address. But for some unknown reason to me they locked my account. I have bills and rent due. Why they do this with customer who been with them over 13 years with no issues at all. I called several time to fraud department, but they are not helping me. Stop holding my money. It's not your business to investigate why I need to take some cash from my account and what I do with my money as long as it wasn't fraud.


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I opened online saving and checking account with Citibank dated 1/22/21 and depositing total of $10000.00 in saving and $1000.00 in checking account. Total amount $11000.00. I did not have access to online account due not receipt of ATM card to activate the account for access. ATM card was not received by me as they sent to wrong address on file.


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Oh my goodness. I have had a credit card with Citi bank for two years. I have never missed a payment or been late on a payment. I made a $2,000.00 payment and they cut my credit limit down to my leftover balance. Which makes that card maxed out! WTF!!!! So I pay them and they lowered my limit!!!! Now my credit score is **!!!! Don't bank with citi bank.


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Stay as far away from Citibank as possible. We had a brand new Citi company credit card maybe a few weeks old. We purchased three laptops from Dell for a little over 2k and it was immediately flagged for whatever reason. We approved the purchase via email and text. Days later we get a notification from Citibank that they decided on their own to cancel the order we made for our laptops and that they weren't going to approve the charges AFTER WE SPOKE ON THE PHONE AND TOLD THEM TO APPROVE IT. They just said, "Oh well just re-order them." So now Dell has a declined payment from Citi and has no clue what is going on and it's been nothing but a mess because of the incompetence governing Citibank. ABSOLUTE TRASH!!!


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I was gifted a large sum of money for a house purchase. I was not thinking of using it right away. Their accelerated saving called out to me for their high APY but that was a big mistake. I have opened an account online before like Capital One. Never had a problem APY for saving is a little less, but I should have just used them instead. I live in Phoenix branches no Citi banks near my closest is California palm springs which I was forced to drive to. We found a house and needed the money for the deposit. I did a wire transfer which they charge $25 for each transfer. Umm Capital One is free. They blocked it and my account. I need it to verify myself with a debit card which they never sent. 


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This afternoon on 3.18.2021, I went to my local Citibank located on 702 Utica Avenue, Brooklyn, NY 11203 to have a document notarized. After a few minutes of waiting on line to see the Citibank teller that notarizes documents, his colleague sitting adjacent to him tells me that he is not notarizing because his stamp expired. I know that is incorrect because I was there a few days ago on Monday, 3.15.2021 and the same employee notarized a document for me. His commission expires 12.09.22.


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My father passed away suddenly. He lived with me and had made me the executor. There is only my brother and I. I hired an attorney, and because his death was sudden and he handled his own finances, we had to search for everything. I found information in Citibank, but they told my attorney my father did not have an account there. A little over a month ago, we received mail In my dad’s name from Citibank telling him how much interest he has accrued in a year - with an account number on it. Citibank does not have a local bank closer than 350 miles, so I have had to do everything by phone, fax and mail. I sent a certified letter with all of the documentation they requested - death certificate, Court. Order naming me executor, and the account and TIN of my dad’s estate account. That is on Feb 10, when they received everything. I have been trying to get information on this since then! 


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I'm so upset, I did a dispute with a company that took money from me when they had no right of 400, well a few weeks later Citibank put the 400 back into my account which I was pleased and relieved. 400 is a lot to me, well I just moved so money is tight because I have not started my new job yet so I had so much in my account and being very careful what I spent, Well I checked my account this morning and I was overdrawn 200 and I'm like where did it go? 400 was taken out and I had no clue where it went and was freaking out so as soon as citibank opened up I called and the money they reimbursed me and put back in my account. 


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Citibank has blocked my account like everyone else. Ive talk to customer service. Ive gotten to the fraud department. Now all of a sudden they cant verify my phone number. What am I going to do? I dont know who else to call or get in touch with. My kids are hungry. My rent due. Income tax just sitting in my account. Anybody know what I can do? Please tell me..


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I’m livid. I can’t even think about spending money without this bank blocking my card. The fraud department never answers the phone so I have to think twice before spending any money over $1k. It’s to the point where I now have to fly to another state where there is a branch or try to wire funds to another account because Citi can’t be trusted with my money. I really don’t understand how banks like this are still in business. Their own employees told me they hate having to talk to the fraud department to clear things up because they can’t get through either. So tonight I’ll have to stay up till 11pm or 1am when their “high call volume” is down. Hate this bank which is sad because their online banking is superior to Chase and BofA but at this point I can’t spend my own money so what’s the point.


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Citibank was terrible to work with after a scam. We notified them within 1 hour of the issue and after months, they keep making excuses and not assisting with the issue. I wish I had looked at Better Business Bureau before getting this credit card. There is a reason Citi gets an F and many of their competitors get As.


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Citi closed my credit card account when I did not renew my COSTCO membership. I have to have a checking account, with checks to send payments now or call in every month. What a hassle for the customer. What was wrong with online access to the account? The access was available for over a year after they closed the credit card. At least give us a method to send electronic payments through our bank system. I had to call and get the paperless account option turned off to receive bills every month. Maybe that could be sent to my email instead of wasting the paper for the bill. I guess that's an incentive to pay the account off faster than planned.


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Citibank put a block on my account and no matter how many times I have called which has been over 400 calls at this point I either get transferred, hung up on muted just so that they do not have to speak with me. This also includes supervisors. I am going on three weeks with no way to pay my bills, feed my daughter or survive and all my deposits have hit that account. It’s so sad how they do not care at all.


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My mother passed away approximately 5 months ago. As I've been mourning her loss I've been looking after her last wishes as well. One piece of this is settling debts as well as retrieving monies from various accounts. One of these accounts is with Citibank. Having previously made multiple phone calls, sending in copies of her death certificate and sending along notarized instructions of her last wishes, I thought this issue was resolved...Until I opened the mail tonight and a letter from Citibank informed me that I couldn't close my mom's account until I submit copies of her death certificate along with notarized instructions as to how to proceed (which were sent 3 times by fax and snail mail) After calling them for at least the 6th time, being placed on hold for 25 minutes, having a person read generic, unhelpful instructions from a script. This person told me she didn't want to be on this call. Believe it or not, I too didn't want to be on this call. Again. 


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Absolutely the worst experience I have ever had with a bank. After getting approved for a card. Three months ago I did not receive it after 2 weeks. I called to have it reissued. The woman I spoke with was great and offered to have it expedited. I waited another 1.5 weeks for a new card. These things happen so I wasn't too bothered. Then it really got difficult. I made about 3 purchases totaling no more than $600. Groceries, stuff like that. After about a week it started getting declined. I called customer service and they could not figure out a way to verify the card was mine. Not using my telephone number (the only one I have had and used for over ten years) and not using my security word. 


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I closed my account in Oct 2020, and now it is Feb 2021, and I still have not received my funds. I have called 11 times over 5 months, talking to a different person every time. Speaking to what they call, Customer Service, Supervisors, and then Managers. Not once have they contacted me back, I am forced to call every two week to find out no progress has been made. I still cannot get my money back, or any update. CITI BANK does not have a branch in Michigan, so I cannot even go to a branch for help... DO NOT OPEN AN ACCOUNT WITH CITI BANK.


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I just spent 1 hour,  3 phone calls, and 1 "live chat" BOT to not fix a problem where I can't receive my statement via email because suddenly for no reason, no changes, my emailed statements can't reach my inbox. They were going to fix it on their end after I waited forever to speak to a supervisor. Surprise! It's not fixed and I am so done wasting my time on really really poor customer service. Love the card and benefits but so totally HATE their customer service. We now refer to them as ** Bank. Not worth the wasted time and endless contacts to get something that should never have been an issue fixed.


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I withdrew 2 transactions for $200 at an ATM. Citibank has deducted my account for 3 transactions of $200. I called and they said it would take 10 days to get a credit. I called customer service and explained the situation, not withstanding the fact that I can only withdraw a maximum of $500 daily. So it begs the question, how do I have 3 separate transactions for $200? That equals $600.


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It has been nearly two hours since my 85-year-old grandfather, WWII veteran and Holocaust survivor, has been standing in the ATM booth in the snowstorm attempting to get an adequate resolution from Citibank over the phone, as none of their employees were in today. The machine took his money without crediting him with the deposit or providing a receipt, and so he was out the $100 he needed to pay his bills due tomorrow. Between the phone calls to Citibank being disconnected four times, he was unable to get any sort of helpful answer, suggestion, temporary resolution, or response to his situation as he was struggling to manage the situation. 


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I had an issue with a vendor, who charged me twice for the same item. I am a Citibank Costco Visa cardholder. I opened a dispute with Citibank Visa and supplied all supporting documents. I received an email asking for another document. I responded that I was out of the country in Spain and will supply the document as soon as I return. A few days later I received an automated email that my dispute was resolved. They decided to close the dispute. I called again and re-opened the dispute again. I explained the situation to the customer service rep at Citibank. 


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Had card hacked three times in one year. Chip is worthless, won’t credit charges, very rude, tried to transfer money out of account without permission. Used card 16 years without issue, never carried balance or late. Now treated like common criminal. HATE THIS COMPANY AND WILL NEVER USE AGAIN. NOT A FAIR DEALER!


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I can’t seem to get any answer for problems verifying my identity in order to apply for a credit card. CX rep keeps dumping me into a VRU. Good luck talking to a human once you’ve applied! Avoid them, here’s how my application process went... Applied on web, site timed out, unable to finish it. Called Cx and provided some requested information. She advised that she needed to call me back within three minutes but never did that night! Then attempted to call me back, left voicemail asking me to call back next morning. 


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People have made checking/saving accounts using my name/social. This company will not let me close the account cause I don't know the users on the accounts. They let these people open so far that I've been able to confirm 4 accounts in my name and overdraw all the accounts hundreds of dollars, I have spoken to their customer service who only tells me they need to protect the people who done the fraud so they will give me no info, I can't get the police involved cause I first need to know the state the purchases were done and Citibank refuses to give me this info as they say "Cause they have to protect the people who set the accounts up the fraudsters"... They don't care about protecting me since my identity has been stolen.


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I hold both a checking & business account with Citibank for many years so please read. Time to jump ship to new online banks. There are many online banks now that will handle your money much better. These physical banking locations are staying alive with fees and good gesture gimmicks to keep you. Two things, no way to access PPP loan information as a business account holder and a promise to waive service fees across all accounts was also false.


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After being on hold ALL DAY and being transferred around to and from the Philippines, I am done with this company. They are the bank for Best Buy. I hate being jerked around. False charges on my credit card and they cannot even tell me what it is!!! I cannot even get to a fraud department. Don't buy stock in these people, either one, and always choose MADE IN THE USA or businesses that don't outsource to "Me-la" in the Philippines.


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Opened up with Citibank online. Funded the account with 1600 from a Zelle transfer. They block the account soon as I receive money. Can't verify my phone number or help me on the phone but keep telling me I have to come to the branch which would be fine but they don't have a Citi branch in Wisconsin. Now I've been calling every day to resolve issue only to be hung up on. Say they sent a reference code that I have yet to receive. Been waiting for that about a month which I don't believe is even coming. Please is there anyone been through this that can help me get my money back? I feel Citibank is trying to keep my money....


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I have been a customer since the early 80s, 27 years of mortgage payments, multiple credit cards, car loans, five checking accounts, and all my retirement. I also brought my partners there. One of my dear friends moved back to Russia Due to illness.,And died 2 yrs ago (I didn't realize she was a signer on my savings account.) December 24 through January 13, 2021, someone at an ATM machine methodically took $15,000 Out of my account, leaving me just about flat.


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Updated on 02/11/2021: After two weeks of waiting for Citibank's "letter" to come thru the mail so that I can access MY MONEY, I still haven't received anything. Except, of course, Citibank's incredibly rude customer service. It's like they hired a bunch of thugs to deal with customers. I explained, to a supervisor by the name of Hugo, my situation and he didn't say one word at all. AT ALL. He was there on the line but he didn't say anything regarding my questions or complaints. This company should not be in business if they have no concern for their customers issues. I would not recommend this bank to my worst enemy.


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So my wife and I ran into a lot of credit card debt from changing jobs. We got in over our heads and were contacted by a credit consolidation company. Long story short this company ended up being a scam and got us for $12,000 over a year and a half with no help to our credit cards. We had six cards and they were all delinquent and had no idea because they were only talking to this consolidation company now and not us. Well Citibank was not one of the six cards we had in this consolidation company program. It was the only card we kept and paid on with no issues. After running a credit check on us I’m assuming, they decided to cancel our account once the card expired. I only found this out after realizing they hadn’t sent us new cards. 


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As a CS Leader for larger public companies I have never had such a negative experience in attempting to resolve my issues with my checking account. I have called 7 times over the last 2 weeks and have been told different solutions to how they will resolve my issue. Only to find out when I call again that it’s incorrect. Now the only solution is go to NYC during the pandemic 4 hours away from where I live to resolve this. Or to wait a month to get this resolved by mail. I’m actively exploring legal options to sue this bank for misinformation, and illegally holding funds and access.


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Citibank is by far the worst bank I've ever dealt with (with Founders Federal Credit Union - a horrible bank - being a distant second). I recently chose Citibank based on their competitive rates for checking and savings. After my initial transfer into the checking cleared, I went to transfer a portion into the savings account. I immediately received an error saying the transfer to savings failed and I should contact support. After an hour on the phone navigating the automation, dealing w/ entry-level support and enduring long hold times, I hung up and figured I'd try later. I tried again a few weeks later via the web, and same issue.


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I have been a Citi business customer for over 20 years. I have never in my life seen such horrific customer service as I have seen during this pandemic. As a small business owner trying to stay afloat, I was very happy to see there is a second option for a PPP loan. I received a URL to link me to my application; however, after entering the incorrect information, I was locked out of the application. When I tried to get help, I was told my only option is to send an email. REALLY?? In all of Citibank there is not ONE PERSON who can get on the phone to answer questions? I have sent 3 separate emails very clearly detailing what I need (which is very simply a link to connect to my application). I continue to receive the wrong information every time. It is disgusting to me that after 20 years, I cannot get a single person on the phone to help me access my application and the only answer I get from anyone is to send YET ANOTHER EMAIL.


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I’m with Citibank since 2013 and On Jan 11th 2021 My Citibank priority checking account was blocked suddenly without notification, and the remaining funds in the amount of $126000 were frozen without any explanation. Few days later I was told my accounts would be closed and the funds would not be released. Since I have no wrong doing or suspicious activities on my account (like bounce checks, Bitcoin or foreign wire) I immediately contact them and see if there’s any misunderstandings. After several calls to different departments I’m getting bounce back and forth with their phone supports and they claims they have no real authority on the subject matters. That’s fine. I went ahead and filed complaints with CFPB, BBB, FDIC and initiate an arbitration with AAA. If they refuse to return my funds then we will end up in courts. I seriously hope my lesson will serve as a warning for everyone whom is reading this.


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Every single one of my other banks helped my family by waiving late fees in order to help me catch up in a difficult time during a pandemic. Citibank was the only one who wouldn't. Even when I talked about being scared about not being able to feed my children if they demanded I catch up in full before considering additional help. They quibble over a measly $250 past due even when I was willing to chop it by $150 today if they would help. Sorry but my children's bellies come first. True colors shown, Citibank.


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Contacted Citi on 1/13/21 after becoming aware that my deceased mother had a Citi card. Although there was a zero balance on the account I felt it was important to notify them. The only information I have on the account was from a statement I received on 12/14/20. I called to let Citi know that both the primary on the card, my father who died in 1999, and the secondary, my mother were deceased and that any additional activity on the card would be unauthorized. The first individual I talked with was able to help me locate the account using the name of the primary and the mailing address. I was transferred to another individual with the ID beginning with 1487 was unable to locate the account because I do not have the Social Security number for the primary. 


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Getting in touch with a call center based in India is brutal, wasted time on hold and reps that can't understand what you are saying. Your recent lies about Trump was the final straw. There was way more destruction, death and riots from the left this year, than from some instigators at the Capitol which he did NOT have control of. You should keep your political bias to yourself. I will make my payment and close the card I've had for the better part of 20 yrs.


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I started a Citibank checking and savings account because I thought that a company as large as Citibank would be professional, knowledgeable, and qualified to handle my little account - WRONG - They are the exact opposite! I opened the account online and the next day I had an "ATM" card FedEx to my doorstep. I thought this was quick. Well it turns out it was the wrong card for my account. So, after 45 minutes on hold and countless security questions that were absurd I finally got my info straight and I had another card FedEx delivered the next day. 


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Opened up an online account because they were offering good interest rates on the account, the interest rates have of course fallen with the Pandemic which is to be expected. I am Widower with a minor child and therefore need to set up a beneficiary on my account in case something happens to me, I submitted the beneficiary information which lists the Trustee to my estate which would be established upon my death. Citibank won't accept / process this as they state it needs to be an individual (which it does not have to be, my bank, Ally Bank accepted the Trustee), I spent hours on the phone trying to get help on how to establish the Trustee as the Beneficiary on the account with no luck or help in being to do so.


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Never work with this bank. I had one credit card payment get returned and they kept charging my account over and over again 3 times racking up $75 in overdraft fees plus their own fees. I spent 2 hours on the phone and no refund or credit was given. They clearly don't care about you and are not a decent or moral company.


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Citi kept increasing my credit limit only to lower it and make my credit score to go down, I never asked for the credit increases. Never been late or missed any payment. Always paid more than asked then they blame the credit score on the credit company for the decrease.


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The branch staff has no knowledge with how to do wire transfer to foreign country. Called customer service but they hung my call twice with no reason!!! Extremely poor customer service! Staff not trained very well. I regret to choose them.


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When I was opening my savings account, I spoke to multiple Citi reps, and each of them assured me that I could withdraw my money whenever I needed and without any fee and limit. However, when I tried to withdraw my money to close on the house I was buying 3 days ago, I could I only withdraw no more than 15k a month!!! Are you kidding me?!!! I spoke with 4 different Citi reps about it, and each one told me something different.


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Our relationship manager needed us to sign regulatory papers. She never provided them to me or followed up by phone. Instead she send me a letter saying she is going to freeze my account. I spent 2 hours on the phone with her boss over Xmas eve sorting this out. Terrible customer service. They should be ashamed.


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I wanted to get the ball rolling on redoing some of the rooms in my home, so I ordered furniture and decided to get the Wayfair credit card, because they are supposed to have rewards. I made my payments on time online, and 5 days after the fact, I received an email that the payment failed for some reason??? It was not my bank, it was not a lack of funds. It is a scam to collect fees and interest. Also, I did not receive an actual card in the mail, and the system would not allow me to log on online again. The phone service is useless. Don't use Citibank, they are dishonest backhanded crooks who are only out to screw everyone over.


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Hi, After I complete my online wire transfer request, I have to call dozen of times to release the wire transfer. After they verify the me from security team and then the Wire transfer team forgot to release my wire transaction. After following up 6-8 times (spending almost 6 hours on phone), they are still working on my wire transaction.


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I have had to call repeatedly because the automated system hangs up if you can't answer all its questions. Also it is worrisome that I had to give the customer service people my whole Social Security number unlike other banks who only ask for the last 4 numbers. Even more worried now that I discovered the people I spoke with were all in foreign countries. It feels as if I'm now vulnerable not only to U.S. crooks but my personal info is now internationally vulnerable. Crazy.


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On Friday late afternoon, October 23, 2020 Citibank blocked our two business accounts and refused to allow us to withdraw our funds. (More than $130,000). They said we have to wait at least two months (60 days) and if there are funds remaining they will send us a check. Their terms and conditions does not specify 60 days. Imagine the problems we have not having access to the funds. Calls from Police Dept., attorneys and upset clients whose money is tied up on deposits for merchandise. Citibank's response is that they don't care. They are following their guidelines. I gave the direct phone number of the Branch Manager who never answer the phone or responds to verification to our clients. It's a total mess. 


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Citibank has offered a generous $700 bonus for opening a new savings account and keeping at least $50,000 in the account for at least 60 days. I went online to try to set up the account and thought I was on my way to achieving that, but ended up instead setting up an interest checking account. Although I did NOT put any money into that account, the fact that I had created the wrong kind of account (due to ZERO indication that I was not doing what I had intended to do) made me "an established Citibank customer" which now prevents me from getting the bonus!


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I can not even describe the level of incompetence and plain lack of care by the Citibank customer care people. They screwed up a computer issue and I paid two of my cards (One of them fully). Long story short CITI screwed up the withdrawal and I was charged over 125 dollars in fees for trying to pay my bill. When I tried to talk and get it taken care of I was told to wait and call someone else or was told it was my fault. Needless to say do not get a card from these clowns because you are going to have a very bad time.


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They have the Poorest of the Poor Customer Service especially in Credit Card Dispute Department. Very slow and always work with the Merchant even the merchant is fraudulent, or I have rejected/returned items and False Advertisement. BEWARE. It is a trap!


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For 32 years I have been a very happy and loyal customer with Citibank MC but something has gone terribly wrong there. Citibank agents have become offensive and abhorrent..."customer service" has become a joke really. The inept agents apparently are no longer trained to handle problems or anything else needed to service their customers, let alone with efficiency, so dealing with them at every level now is a COLOSSAL WASTE of time. Very unprofessional, and the more "senior" the worse they are. Just try searching for someone with brain power....They used to be impressive, professional problem solvers, but now have no intention of solving anything...Their job seems to be to keep you at bay. 


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I gave Citibank a one star rating the reason being because I open account and I open this account completely online and due to suspected fraud they will now not even speak to me about my account. My account is blocked. They have all the money that I have in the world and I have no access to it and now they’re telling me that I have to go to a physical branch to verify my identity which I appreciate the fact that they want to do this to protect me. But the closest branch is 12 hours away and I can’t even go to the grocery store because they have all my money tied up. No I don’t know. This is 2020 but it seems to me that there should be a better way to do things in the way that these people are conducting business.


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Stay away from Citibank! This bank does everything to make your life miserable if you try to take your money out of the bank. My mother and my brother co-own several Citibank joint accounts that they would like me to act as their Power of Attorney during their residence in a foreign country. The first request was submitted in October 2019, which was rejected because the bank claimed they would not accept a POA notarized by a foreign government. The second request was submitted with the POA document notarized by the US Embassy in the foreign country they reside in, which was again rejected because the bank claimed the POA form would have to be a Citibank-specific form. The third request was submitted with the Citibank-specific POA form notarized by the US Embassy, which was once again rejected because they claimed they would have to talk to the account owners on the phone. 


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I would not recommend Citi bank to anybody! Opened 2 accounts because I read about the special cash back offer. Citi enrolled me in the package that requires a 50K acct balance, I was not given a choice of package that I want. Was never told about this requirement, and when I contacted the bank, a representative told me it was too late to change the package and he couldn't help me with anything. Waste of my time, this offer is a scam!


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They are not the best, imagine paying off your credit card bill every month ???? leaving 0 balance. Then you get charged with interest rates every month. That's what will happen when you get their credit card. Call them to ask for an explanation, they told me that's because after I paid the bill off, I use the card couple days later. Oh my bad???? I guess after I pay it off this month I won't be using it again???. I got to keep those interest rates at bay.


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I received my new Citibank credit card and was excited to start using it at Costco. I also put my son's name as a card holder and had a card sent to him. He lost his job due to the Covid cut backs and had a family needing groceries. His first attempt to use it after activating it was at Costco with two babies in tow. He had over $600 in groceries and items and was declined at the check out line. Very embarrassing.


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This company will reduce your credit limit if you have any hardship that drops you score barely below a 650!!! They e fine this twice!! I’ve NEVER been late on my payments and have ALWAYS paid at least three time my minimum... if not significantly more. No warning, no communication... just drop the limit so messes with my credit score!!!! HORRIBLE company!!!


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Received letter from Citi asking me to contact them at phone numbers provided. Letter said department was available 24/7. Called the numbers and each time transferred to their call center in the Philippines. Besides a lack of product knowledge their diction is poor and their ability to resolve issues is zero. Unfortunately, I have called 16 times and they have discounted over a dozen times. As such, I have no online access to my monies and a call center that frankly is a waste. Citi Priority advertises a dedicated service team however they simply do not deliver. Their unprofessional behaviors are outrageous.


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Citibank has a tagline, “Citibank is with you before, during, and after your purchase”. They should remove it because it is FALSE. I made the mistake of purchasing inferior portable a/c units from BLAUX company, unbeknownst to me located in Hong Kong. I should have looked at the Internet regarding this company before I purchased because there are so many complaints about them. It is a fraudulent company but I am beginning to think so is Citibank. I remember when Citibank had great customer service but that was a thing of the past. 


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$1006.46 unauthorised, charge, Citibank claims I used a OTP which I deny. Did not make a purchase or receive any goods. Citibank refuses to contact supplier (UBUY) to provide details of the goods purchased or address of delivery. Ubuy also refuses to to help me by provide details of the goods purchased or the delivery address. This fraud occurred in February 2020 when 8 other fraudulent charges for Uber trip and uber food were also charged to my card. Citibank acknowledged these and refunded. Seems very suspicious that this all happened in a 10 day period. Citibank has been, very unhelpful and determined to distance itself from this transaction saying One time pin cannot be subject to fraud. BEWARE it is CITIBANKS way of denying responsibility.


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Citibank has locked my savings account. I am not able to even log into the account to check the balance. This was done by the "New Account Fraud" Team and they will not unlock the account until I receive a letter in the mail. Why is a company depending on the USPS during the 21st century? Stay far away from this company.


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I attempted to change my billing date. I chatted in to the the Service Desk. I was told to call the 800 number. I called the 800 number and went through 10 minutes of prompts, reviews, and hold times. The system transferred the call, and the agent automatically disconnected the call without speaking with me. I called again, and the same thing occurred. I chatted with the desk again and was given a different number to call. After another 10 minutes of prompts, reviews, and hold times, I spoke with a live agent. I explained the difficulties I had already encountered and requested her assistance. She stated that she could assist once my payment that was due was made and processed. She stated she would transfer me to the payment department. The payment department would process the payment and then transfer me back to her to update my due date. 


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Updated on 03/07/2021: I had a savings account with CITI Bank and decided to transfer my money and close my account a few months ago. The process of transferring money has been a nightmare due to various difference issues (e.g., the bank doesn't let you transfer your money at once due to daily limits; they cancel your transfers even though you follow their procedures and nobody from the customer service knows why your transfers are being cancelled so you spend hours and days on the phone trying to figure out why they are not letting you transfer your money; customer service representatives don't know the bank's rules/policies so you need to study and train them about their own policies).


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Best Buy changed the provider from HSBC to Citi for my card with them. Something was messed up in the bill payment system and there was a balance of $15. I did not pay attention to this card because it has been automatically paid since 2012. The bank did not attempt to call me or sms me or email me. They just sneakily charged the fees! I called them and they credited $30, so I owed $90. This is a very bad customer service. I use two other large banks and to start with, I never got a late fee because the automatic bills have been working as a charm. I should probably also review Best Buy for selecting this bank and this bad program to manage their credit portfolio.


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Like others, I decided to open a banking account package with Citi in order to get a cash bonus/promotion. I applied directly from the promotion link right on the Citi (not a third party) website. The promotion I applied for was for $400. After reading the fine print and ensuring I followed all the steps correctly, I funded my checking and savings account within the designated banking package and waited patiently for the bonus to be deposited after the 60 consecutive days of maintaining a $15K balance (which I had split between the checking and savings accounts), PLUS the 90 day waiting period before the actual bonus was to be deposited. After the 90 days had come and gone, I contacted Citi via the Chat feature on their website and inquired about my cash bonus. I was told it would arrive by the end of the current statement cycle (which was past the 90 days stated in the promotion Terms & Conditions).   


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One strong warning: stay away from CitiBank, especially as a business customer. I had a business line of credit for a while, linked to a checking account. The only purpose of that LOC was to transfer funds to the checking account when I was short of money there, and conversely, transfer the funds back into LOC from the checking account. Therefore, note that the LOC account number was never exposed to anyone, I never wrote checks on that account or did any kinds of transfers except to my own, linked checking account. Recently I noticed a large ACH debit, almost $5,000 on that LOC account. I started calling the Citibank phone number. They kept transferring me farther and farther; in the process the call was dropped twice; I kept redialing and repeating the merry-go-round. 


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We enjoy getting cash back enough to cover our membership fee. Our customer service experience with them has been extremely poor— not customer-focused, helpful, or follow-through as promised. We sent a letter detailing our experience and concerns and received a generic form letter in response. We would rate Citibank far below any other credit card company we’ve worked with.


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I admit. I was 6 days late on a payment due to Home Depot that I marked as already paid. I paid it that day. Citibank is the financer. Turns out, however, Citibank not only charges a late fee for Home Depot accounts but also ADDS 10 percent of your entire balance to your next bill, thus increasing the amount due, in this case by over 100 percent. How unscrupulous! Called them to remove the late fee since I have a clean payment record but asked what the basis was for the over double the amount next due and they told me their policy is to add 10 percent of an ENTIRE balance to your amount due the following month when a payment is late IN ADDITION to assessing a late fee. Lesson learned when dealing with this company--pay them off then pay by cash!


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I have felt with Citi bank's customer service and fraud department due to their own doing multiple times and days in a row. They make me wait 24 hours every other day simply because I got a new phone number and a new phone service that they don’t recognize. Please hear me when I say that they won’t help you and things will get blocked if you do so, they won’t be able to help you. Get a different bank.


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I wish I had read some of the reviews on this bank prior to opening an account online. All I wanted to do was open a basic checking account to pay some basic bills. Not too hard. Opening the account online was a breeze and that should have been my warning! At no time did they disclose that it would take 5-10 Business days to clear a check on new accounts. I deposited the check via mobile app thinking okay it will be available in a day, possibly two days. I just opened a Chase account for someone and their funds were available automatically, and this person was a young teen with no credit or banking history.


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Opened up a savings and cc with Citi about 6 weeks ago. Already had a card with them and wanted a 0% interest. Took 2 weeks to activate the savings account due to continued glitches in their online platform. The ATM card and PIN they sent me never worked. The CC has a very low credit limit - asked them why and they have no idea. My credit rating is 800+ and I have no debt. Was going to use it for home improvements over the next few months and cannot.


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I opened a new card with Citibank in order to transfer over a balance from a previous card so that I could take advantage of the 18 months no APR. Fast forward a week from opening the account. I called and spoke with someone that obviously does not care about his job. He ensured me that there is a 2 week period in which the transfer will take to switch accounts. That is fine because I opened it about 2.5 weeks before the due date. Now fast forward again to today, 14 days since I opened the account. Still hasn't been transferred so I called back and spoke with someone else. Now today I am informed that it will take an additional 4 to 6 business days to get transferred. 


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I have been with Citibank for 26 years. Whilst jet-lagged and on holiday I fell prey to a Phishing email ostensibly coming from my internet service provider. An unauthorized charge went through and I called Citibank to stop the account. Whilst on the phone to them a second charge went through. Due to a time zone difference between Australia (home) and Italy (on holiday) I was unable to make or receive calls from them as the recorded message was "office hours between 9 am and 5 pm Australian Eastern Time".


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Citibank’s been such a pain in my refinance. I gave them all the paperwork that they needed since the beginning of the process, W2s, paystub, appraisal, etc. there were no problem on my side. Citibank also doesn’t update me on what’s going on with my application. My loan processor doesn’t update me every week, or months. They don’t respond to my email at all. Well, they responded after 10 consecutive emails made, once! And told me that all my docs and appraisal were expired and need to re-submit. The submitted docs expired 3x already since paystub requirement only last for 60 days. I then, resubmitted it over and over again. Closing time has been moved 4x. My credit score was great and dti is low. They never update on what’s going on. Never respond to email at all.


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I have had my account for approx 6 months. When I need help logging into my account because it says it's calling me to give me a code and it never calls me nor does it text me so I call customer service that the app tells me to call and I get transferred repeatedly then I get someone that seems is going to be able to help then I tell them what's going on and let them know what's happening and then I get complete silence and it seems nobody is there, I wait for 5 minutes or so trying to be patience and nobody responds so I hang up only to do this 4 more times. This took almost 2 hours. The last conversation the woman I could hear for a few seconds then I couldn't and that repeated the entire conversation. This has happened every time I've needed Citibank's help. This needs to be corrected by Citibank, they have to know they have phone issues.


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Worst bank services anyone can ever have. Customers are the least important thing to them. All that matters to them is their business which they are trying to make out of your money. Not reliable. Only for rich people cause they loot middle class people. BIG NO FOR SAVINGS.


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Online verification for even viewing your contact information is convoluted. Instead of sending you a verification code by text, you have to call in to deal with a rep, which will give you a code by text, before an automated system gives you the verification code you need to enter online. If you ever have a problem with your account, good luck dealing with a customer rep. I've dealt with 4 reps today, who were all incompetent. The customer service department is clearly outsourced overseas, judging by the quality of the calls and interaction.


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One week ago they blocked my access to all funds pending internal review. They said they sent a letter which they did not. Like other people here they lied to me about their actions and hang up on me when I seek info. I live in NYC. Can someone recommend an attorney who can help me?


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I opened a High Yield Savings Account with Citibank. I transferred $100,000 from my local bank to Citibank. Citibank took the money out of my local bank account, flagged it as "fraud" and now will not give me my money back. It is 10 days later, and I have been on the phone MANY times with supervisors. I keep being told that the money will be in my account within 3-4 business days. If I stole $100,000 from Citibank I would be in federal prison. Yet Citibank has no consequences for stealing $100,000 from me. This is absolutely ridiculous. In the US we are supposed to be able to trust the banking system -- Citibank is absolutely horrendous and as of now, are crooks.


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I have been a long time patron of Citibank. Since I have been in Florida, I have seen the bank going steadily down hill. They have been reducing hours in branches (before COVID) and now have shut down branches in my area. No other banks have done this, I call my relationship manager and get no return calls. I tried to do a wire transfer, and had to go to Two branches before I found someone who could do it. They never asked for ID. I hate to have to change banks, but I don’t feel my money is safe.


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I made an external transfer for $1500 that Citibank first rejected, then lost. It has been 3 weeks and they still cannot find it. Every supervisor I speak with gives me the runaround, lying to me. They blame the bank they pulled the money from but then say it will definitely be in my account on a certain date. The date comes and goes. I’ve spent hours on the phone for weeks trying to get answers while they make interest on my money they refuse to return. Always something else someone else is supposed to do that never does. Meanwhile I will be spending money on interest for my property taxes because I’ll be late waiting for them to return my money. It’s a disgrace. Then the supervisors complain that you’re calling every day. I’m sure if their money got lost they would do the same thing. You are in for a lot of heartache if you use this bank. Don’t be fooled by the .9% interest on savings. They can’t even handle a basic transfer.


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Citibank was offering promotional bonuses for opening checking and savings accounts. I tried to open the accounts online but the website would not allow me to do so, so I called customer service. The woman was very easy to talk, said I was still eligible for the promotional bonuses when opening by phone. The last step of that phone call was the funding of the Citibank accounts. She told me I could have Citibank withdraw the funds from my existing online savings account. I asked if she was sure this would work since all prior times I opened an online account I had to have my existing bank account send out the money to the new account. She swore it was done all the time without issue, but added that I "would be called, texted, or emailed if there was a failure" and again added that "there should NOT be."


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The day before my birthday 6-6-20. I had reserved 2 days stay from 6-8 for hotel reservation from Agoda.com at Extended Stay AMERICA in Anaheim California. Upon arrival on 6-6-20 I was told that my reservation was not in the hotel system and I was denied stay. I immediately tried calling and contacting the reservation company agoda.com and I also called my bank Citibank. To notify them of what just had happened. They told me they would put this into investigation being that I just became a victim or fraud. After that I even had to reserve another stay for 2 days at a different hotel meaning spending more money out of my pocket. 


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Citibank's recent actions taken within the last few months, has made me a very disappointed "FORMER" credit card holder. After being a credit card member for over 31 years, this company made the decision to close my account, based on information obtained from my credit report. When talking to a Citibank representative about this issue, I was told that the closure of my account was due to it being classified as "HIGH RISK/INACTIVE". What is so puzzling about this situation is that the account was paid off in full almost two months earlier, making it have a "ZERO" balance. So why wasn't my account closed during the time period before I paid it off, since it was deemed in such poor standing?


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Do not I repeat DO NOT bank here. I’ve been with this bank for years. I’ve been having problems with them every since. I deposit paper checks. They always give me my money the same day. Here recently I started a new job. My first check was paper so I use the Mobile app to deposit it. They broke my check down in payments over a 5 day period and gave it to me how they wanted to. My car got repossessed due to them holding my money. I called. The representatives are unprofessional and the managers are no better. I wouldn’t recommend this bank to no one. They suck I mean really they suck.


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After being a customer for 12 years, they decided a year ago to lose my account without so much as a reason or notification. Prior to that, Back in September of 2019, they notified me I was 4 months delinquent when I had never even received a bill in the mail. I was informed my bills were “paperless” & going to an email address I never heard of or even signed up for the card under. I requested an actual bill in the mail from that point on, paid my $289.00 delinquent account via phone with another credit card. Was told everything was good.


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This bank not only shut my account randomly while I was traveling leaving myself. And family with no money, this was back in May 2020, I was told numerous lies thus far as well as I’d have a closeout check by 8-10-20. It’s already 9-10-20 still holding my money from me!!!! Way past 90 days.


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Citibank close my account at the start of the month. The bank is refusing to return my money in the saving and checking account. I have many time and even went inside the branch but the employees are unwilling to help. I'm out of 8K in funds and the bank will not resolve the problem.


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First of all when you’re calling Citi about a credit card account you’re speaking to reps outside of US who are trained to speak as US bank reps but with a script and when they are faced with customers who ask for answers and needs help these outsourced reps couldn’t handle it. I called 5x to resolve an issue and I was not allowed to speak to a supervisor I asked more than once to transfer me to someone who speaks English and does have Customer service experience. 


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I like many others I have read about here, opened an online savings account due to a promotional interest. They dropped the rate less than 30 days later so I stopped into a branch to close my account and I was told they had to "investigate" for 24-48 hours. It is now two weeks later and I still can't get a straight answer as to what they're doing. Do yourself a favor and find a more ethical financial institution to work with.


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Citibank #Citibank has treated me very poorly. I went abroad and forgot my debit card at home in the US. I tried logging in and transferring some of my funds to another bank account of mine and the system prompted me for some ID code that they send to my phone. My US phone doesn't work outside of the US, so I called the bank asking them for a code. I spoke with at least 4 different representatives, including one manager. Nobody wanted to help me because I didn't have my debit card with me. We live in the 21st century, there are a million ways to verify one's identity, but they all kept blabbing like robots that they can't help me because I don't have my debit card with me. And said that they will bill me $25/mo for account balance less than $10k.


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I have 2 credit cards with Citi. I have their Simplicity Master Card and Costco VISA. I get it, we are in a recession and many banks are trying to cut their loses early, BUT I haven’t given Citi any reason to decrease my credit limit, but they cut the limits on both of my cards by $5,000 in May and June, and now they keep doing it every single month. This makes my credit score continually plummet. I’m now using 50% of my credit when I only used to be at 10%. I’m really unhappy with them. I’ve gone round and round, and then this morning I just received another email telling me my limit had been decreased again. I suppose they are going to keep decreasing my credit limit until I pay off both cards and then they close out my account??? Yes, Citi? This looks to be your plan. 


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In Aug 2020 Citi advertised, to American Airlines Mastercard acct holders, a special deal on savings. Put in 50K, get 0.90% base rate (no future promises of course), plus an extra 0.50% if you keep the funds in 90 days; total 1.40%. Plus 40K American Airlines miles if you maintain the 50K through the 90 days. Well my wife, who saves AA miles, signed up 8/29; sooner or later there will be a vaccine and we'll feel safe getting in an aluminum tube w/ a bunch of folks for 4-7 hr. Citi has been a pretty good credit card company, at least for folks like us who pay the full balance on time each month. They gave a pretty good start-up mileage bonus, and paid the airline miles at 1 mile/dollar spent. So we figured why not place some of our emergency money with them, if they give a bonus for customers already known and w/ known credit.


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I actually loved Citibank until they decided to freeze my money just because I wanted to pull some out. Not like the money was a cash deposit or bad check. It was actually a govt ACH. But for some reason they unknown to me they locked my account. I have bills and rent due. Why do this when I been with you'll over 9 years with no issues at all. Stop holding my money. It's not your business to investigate what I do with my money as long as it wasn't fraud.


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I had my checking opened at CITIBANK for over 2 years.The last time that I used my debit card I got my balance but I could not take money out. I called Citibank, they told me that my account was blocked and that they can not send me a code on my cell. (They had sent code to my cell before) I went in person to the citi bank branch with my ID. The manager called the fraud department and sent copy of my ID, and still for not reason Citi bank is keeping my money, the account is still blocked and I can not use my money. I have not job due to covid 19 and when I need my money the most, Citibank is robing my money, I have not right to use my money just because citibank decided to block my account.


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Spoke with Joe ** (who later informed me his legal name is **) over the phone in Philadelphia. He was so rude and called me every single slur in every language he could think of. He told me I’m fat and greasy and unworthy. I begged him to stop because my sobs were going to wake up my newborn baby and I only wanted to discuss issues I was having making a deposit, but he told me he would shortly be on his way to enter my apartment and roundhouse kick my baby into the ceiling fan. I was mortified! As if it couldn’t get worse, he then started yelling at me in pig Latin and cursing my entire family for generations to come. I had a horrible experience and now I’m afraid of ceiling fans and men named Joe.


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Payment did not arrive - CITI couldn't find $$$. I made an electronic bill payment to my Bank Of America account. CITI removed the dollars from my account but the payment was never received by Bank Of America. I called CITI and all that they could do is send a note stating that the payment was received. I called Bank Of America and they couldn't find any payment. Neither bank could tell me what happened to the payment. CITI was useless in resolving my issue.


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I recently spoke with a Citi representative at the beginning of the month and she offered me a balance transfer. It was supposed to reach my credit union Visa card in about five business days. School started and some other circumstances came up and I did not check my balances until a few weeks later. Come to find out, the transfer never made it to my credit union Visa, and I had two large balances on each account as a result. I called right away to speak with a citi representative and they told me that the credit card number I gave them was the same, but the institution that they paid was something called “Action Credit” of which I’ve never heard of before. They said they would investigate it and I have not heard any updates in a week. 


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My 780 credit score took a beating this year due to COVID and a huge house repair. I have NEVER been late on a payment to Citibank (I have never been late to any company) but they lowered my limit because my score dropped. This, in turn, makes credit usage ratio worse which makes your score drop even more. So keep contributing to the problem Citibank. I will be paying this card off today and will cancel it as fast as I can.  Worthless company providing worthless service when people really need it. Pathetic.


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During these trying times, you can probably tell some of their customers are having trouble with paying down their debt. I for one am one of those clients, but based on looking at my history, I have NOT missed one single monthly payment since opening the cards. Although I'm only able to pay the minimum balance, I'm still paying! Because I'm not one of their more wealthy clientele, they treat me as garbage! Instead of leaving my credit card limit alone... THEY LOWER MY CREDIT LIMIT! Your company says it's based on my credit!! How horrible is that? Why couldn't you leave it as is?! 


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I  have a Citibank thank you card. Because of the COVID-19 I missed one payment, the following month I called to pay the total amount of my statement. I asked to them to remove the interest and the charge for the late payment, because it was the first time with a late payment. They didn't remove the late payment, the  customer service was terrible. I spent 3 days trying to talk with a supervisor. Customer service in Spanish is the worst. Customer service in English was better.


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I made a purchase online for a product advertised in Facebook. It tuned out the company, from China send me the wrong item. I spent weeks trying to rectify the situation with the Company. Their response was for me to sell the item or give it to someone as a gift. When I refused, they told me it's expensive to return this order so I would have to pay for return shipping and for shipping. I put a dispute with Citi which was the Credit card I used. I tried to applied a stop payment because I feel I'm being scammed. After I submitted all the information Citi wanted including all the E-MAILS, Citi with no explanation replied that the issue was resolved and for me to contact the Company. The stop payment was reversed. I will never deal with a bank that doesn't protect its customers regardless how small.


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DO NOT USE CITIBANK IF YOU CAN HELP IT AND WANT TO AVOID GETTING ILL FROM THEIR AWFUL AUTOMATED PHONES!!! I opened a checking account. They gave me a debit card though they know I don't use them. So okay, I requested a credit card. They declined (I never was declined to cards before). At the time, I didn't ask why since I have a couple of other good credit cards. But now I learned that (1) I have the right to know why they declined, and (2) I have the right to know which instrument they used, i.e. hard pull, soft pull, or ChexSystems.


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Deposited large amount in savings with low interest BUT 700 cash bonus after 90 days. Called after 90 and told I must not have seen i needed 100 pennies in checking so not eligible.. closed & sent2 cap1.


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I was using Citi bank credit card since last five years. I am a central government employee and I made every payment within time. Now suddenly they close my citi bank credit card without any notification. I tried to contact customer support but my call was not answered. I sent mail but no reply received till date even after 10 days. If you have to close credit card then why are you issuing. At least some message should be given to customer regarding closing of card. Worst worst worst experience with any bank in India.


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Just here to get the word out that Citibank does not want your business. This is the second time I in the last 7 years I had issues dealing with their stringent requirements regarding promotions. First time was eventually resolved satisfactorily through intermediate means. This time though thinking they might have changed their policies and customer service for the better but it was not the case. Either way any slight deviance from the fulfilling all the bonus requirement which in this case was confusing in how the wording of "bill payments" means setting up your Citibank account to make payments versus paying your bills with your Citibank account was never quite in the fine print of the promo itself.  


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I called CitiBank to open a high yield savings account. Before doing so I was presented with an opportunity to earn a bonus if I set up a checking account and a regular savings account with a sizable minimum balance. I choose to do so and provided all of the information and was told by the Representative that everything would work and once my accounts were activated, they would fund the accounts with the information that I provided.


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25 year customer in good standing. They've made a lot of money on me through the years, recently had several charges not made by me. Wrong email, wrong phone numbers, and wrong name associated with purchases they sided with merchant. I continued to dispute charges. They took them off my card. They Then lowered my credit limits to current balances and said my equifax score was the reason. On time payments on all accounts, credit score over 750. Their lowering these limits dropped my credit score by 60 points. Terrible decision by them as I am closing these accounts no more money made for them from this good credit customer.


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Don’t ever take advantage of their fake bank bonus. I had a promotion bank bonus after transferring funds. After 90 Days they kept giving me the runaround. No one knows what they are talking about. It’s a scam! Beware. Never got my bonus. Ended up Losing money after 8 months of sitting at Citibank waiting for a fake promotion.!!! Beware!


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I had purchased an item online and was scammed. They sent me a face mask. But I purchased an item that is about 50lbs in weight. This company ruled merchant in favor and don’t even look at the details. Took months for them to reverse the credit they gave me while then I could not submit details. Worst company ever. I sent them my pictures of what I ordered and what I received was not what I ordered. They closed the case and ruled in merchants favor. Closing this account. Never dealing with a company who cannot protect me from fraud. Beware. They do not protect you and good luck. The process sucks. Takes months and then you will be denied.


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I’ve only been with CitiBank for a short time but I have been pleased with the customer service. I normally use the app or website to get service but I have on occasion called in to get assistance. They are all very responsive and helpful.


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Cut credit down to 100 dollars and blaming it on credit report. I am not buying credit report when you have a okay credit score of a little over 700. This is happening to so many people in 2020 from Citi, not to mention I have read so complaints against this company of cut credit. Also afraid will start getting other charges now that I am reading reports about. I sure wish I never had this card. Now only if this bank wasn't given a 500 billion dollar bailout more than the stimulus. I think that was given last time. Not to mention their customer service is ridiculous bad. Not even sure what they are being paid for. No idea what happens if this bank fails again. To the people who has their card, I doubt they are bailed after so many past bailouts that you can read about.


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Citibank is a long-standing bank. It has always been trustworthy for me. The only downside is their fees, don't like being nickel and dimed just because I don't hold a lot of money in accounts; but then again, other banks are no better when it comes to this. Give to the rich - take from the poor. Bad practice.


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So I HAD an Amazon Prime Card with this bank and tried on several occasions to change my email address with them because my email got hacked. Each and every time I entered my new email in and hit saved. The website said I was all set but each time I tried to login it reverted back to my old email address. Frustrated I walked away for days forgetting about the account completely. Months later I go to check my acct and lo and behold I owe back interest for non-payment. They had all my info and never sent me anything. Why Amazon would deal with this bank boggles my mind.


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I have been a Citi customer for over 20 years. The only real problem I have is logging into their website most of the time. For some reason it usually takes 2 to 3 attempts. I have spoken to customer service and they can't see the problem. Just annoying at times.


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I closed my Citibank account in June and in July they sent me service charges bill asking me to pay the amount otherwise account cannot be closed. They say that it will keep on charging every month if not paid.


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I have my accounts with Citibank for over 18 years and was pleased until moving out of the city years ago. It is a secure and reliable bank but lacks local branches. From an experience point of view, if you don't live in New York city you will be frustrated in trying to find one.


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Worst bank ever. Need to be more professional. They don’t answers email or calls. They have toundesb of bad reviews everywhere possible. Will recommend you to stay away from them.... please write them bad review as well.


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I like that Citibank has 24/7 customer service and has ATMs all over. The fees are pretty average. I remember comparing them with Chase and found their services similar. Santander once had a $20/month for a year incentive for new customers but I didn't switch because it's not as big of a bank. One of the last times I went to Citibank, I saw an account, possibly a CD for 2.5% interest but the minimum was $25,000, so that didn't tempt me. I heard were very helpful to a relative when he was traveling abroad and his card was stolen but I was not told the details. I just started using the app a few months ago and it's very helpful to see my transactions lined up. I was unclear if a pending debit was taken into account with my current balance. The phone system tells me that important information. I also have two custodial accounts for my kids and it would be helpful to see their names on them so I don't have to look up their account numbers.


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I opened a new online savings account (only) with Citi and their phone application services. They took my initial $1000 deposit then promptly screw everything up from that point on. I specifically requested NO debit card linked - they sent me a pin of one. Then no card within 1 week. Dropped 3 calls transferring me around for over 2hrs with conflicting information on the card, the account, and more. The unlocked the card in transit without my permission or activation and without explanation. They routed my calls to various departments that just blamed the other department, gave out bad and inaccurate information and would not address the risks they exposed to my new savings account which I was going to further fund. THIS IS EXACTLY HOW BANKS LOSE NEW CUSTOMERS FOR LIFE! Don't give them a dime!


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I logged onto my current account to inquire about a balance transfer and an hour later received an email congratulating me on a new credit card account which I did not want. I called to reverse this supposed application I filled out and was transferred 4 times and no one could help me. This is worst customer service I have experienced in a very long time.


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I’m writing about the experience of my 97-year-old grandmother. She needed a checking account so I opened one with Citibank for her online. I provided her landline, my cell phone, and my email address. She’s never used a computer and wanted me to take care of all the online banking. We would have opened a joint account but that requires you to go into a branch in person, something neither of us was willing to do during the massive Coronavirus outbreak here in LA since I’m a Type I diabetic and she’s old as dirt.


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The convenience that Citibank offers is unparalleled to other banks. The saving interest rate has been competitive during such challenging times. Although the rates have been dropping, they are still one the top providing the best prices.


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Good bank to bank with. Employees are pleasant and helpful and work to make any in bank experience painless. They could use more locations and ATMs. Never had any problems that could not be easily resolved. The website is useful and easy to use.


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I have a Costco Visa which is a Citibank card. I have a Citibank checking account that I've had for over twenty years. I started using Citi's mobile app to pay for the cc balance every month from the checking account. On multiple occasions the transfer I authorized was made twice even though I only authorized it once. This has happened with both scheduling ahead of time as well as making a real time one time payment authorization.


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I have been with both B of A and Chase. I am no longer with either of those financial institutions, that should make a statement in and of itself. Citi may have its own not so good points I am not aware of, but for my purposes they have served my wife and I well.


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I have been a Citibank Credit Card holder for 10 plus years. I was in great standing with $4,500 in credit. I had paid on time and had a $8 balance when Citibank reduced my available credit line down to $600 without notice. When I called them they stated my credit report showed I was late. They did not ask any questions but assumed they had the correct data. I found the customer service to be terrible. How do you reduce a loyal customer's credit without any contact and using wrong data to make a decision on an account? I found my credit report had identity theft, disputed and got my report fixed. Citibank didn't care about that, they didn't offer to regain my credit line nor did they care about loyal customers.


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The instant you pay down the card, they decrease your limit. Advise it can’t be undone due to the credit score, which is lower because of the percentage of credit used. Explain the situation and they just state it can’t be undone. So now you’re stuck in a catch-22. Can’t fix the credit score because they both lowered the limit and kept the card maxed out artificially, and can’t increase it to fix the score.


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More open locations on the South side of Chicago. Would like to be able to transfer funds between other banks. I would like to be able to deposit checks via cell phone. Other than that I enjoy banking at CitiBank.


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Terrible customer service. There was a fraudulent charge on my card in April, it’s July 22nd, still not resolved and I still haven’t gotten credit for the fraudulent purchases. Do you really want a bank that will not have your back when something terrible like getting your credit card info stolen? They are THE WORST.


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My money more than 10k!!! Has been withheld, Citi bank says I will get a check in 2 months!!! With this pandemic and no reasonable income for bills and sustenance!!! And what happens to the cash been withheld??? Citibank trades on it and make profits!!!! Huge scam bank with no INTEGRITY. After I got 3 payments from from a family friend through Zelle, my account was placed under review for God’s sake!!! DONT RISK YOUR MONEY. THEY ARE FRAUD.


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Received an email that my card had been cancelled for not using it. Called customer service to see what could be done to maintain the account, no help. I asked to speak to someone who could help or a manager.... I was told that none were available. Then tried online chat... same story... useless. I had this card for 15 years and have a 800 plus credit score. I guess if they will treat me poorly, imagine the treatment if you have had a minor financial issue. I have used Chase and American Express for many years and been treated exceptionally well. Don't waste your time with Citibank... You will only be disappointed with their complete lack of even a minimal amount of good customer service.


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Very sad that I have signed for the Citibank credit card through Best Buy. It is the worst experience in my entire life. I bought an expensive phone from Best Buy and I used my Citibank that was provided by Best Buy store. I paid the full Payment with the 30 days frame and it was 900 dollars to avoid any interest. However, I am one of those people love to check my any money accounts. I have to see everything is good. As always I called to Citibank to check make sure it says $0 balance and I have 72 dollars in balance and I said, "How?"and I was told 2 late fees for interest of 8$ and did not even know I had $8 dollar balance of $900.


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I opened a CD at Citibank, when I need to use the money, it won't let me transfer the money out. They have daily and monthly transfer out limit. So I thought I can go to local branch to get the money, and they don't have bank located at my state and nearby state! There was no limit to deposit (also via transfer in) but limited to transfer out. If you can only transfer your money into the bank, and the bank won't allow you transfer your own money out, is that something fishy?


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Once you give them your money, good luck getting it ALL out without any fees. I had a sizable amount in one of their savings accounts to take advantage of their "higher than average" interest rate. However, I quickly found that their mechanics behind the website, app, and even operation issues would become my newest nightmare. They have many convenient errors that result in them making FEE REVENUE. If you are willing to make the calls and resolve the fee - you will get your money back. However, it is ridiculous the amount of times this happened. Plain and simple - this bank reminds me of Bank of America in the early 2000s... Known for racking up the fees and creating loopholes you have to jump through to transact without fees.


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I am a new customer needing customer support and the service is terrible. One representative doesn’t have the information that another one asked you to return a call for. Getting through the voice menu system is infuriating. The connection on one phone call was so bad I just had to hang up. The representatives are polite, they just aren’t helpful. Very disappointed.


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Citibank is THE worst bank to deal with during Covid-19. They did NOT help me with my newly opened credit card. I've paid FULL balance due one day late (because of misinformation of due date on site), was charged late fee and customer service refused to refund it. By-the-way, customer service is useless.


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I have had a Citibank credit card for about two years, paid on time and used it to raise my credit score. When I opened the account I had a really great paying job. When Covid-19 hit the US, I was let go from my job. I quickly found another amazing job with a considerably lower salary. All of this happened a few months after my husband and I bought our dream home. During this stressful time in our country and people and companies are making generous accommodations for customers, well not Citibank. 


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If I could give them negative stars I would... I have been dealing with this hell since June 25th. I opened my account I had a deposit come in, which cleared for my business. Now my account is closed, under review, blocked (I’ve been told so many things) and now my money is being held hostage. I’ve spoken and chatted with reps that said my account can be unblocked if I call the fraud department. When I call them I am told that my account is under review and I will receive my funds in 30-60 days as a certified check... 30 to 60 DAYS. I HAVE OVER $10,000 IN MY ACCOUNT, HOW AM I SUPPOSE TO LIVE... When you ask for a supervisor they hang up on you. I don’t know what to do. If anybody else has experienced this it or is experiencing this please inbox me on Facebook.


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I tried to open an online savings account. After applying online I was told I couldn't open one at this time and I would be contacted. A letter came stating that I couldn't open an acct due to information from Equifax. I assumed that was because my credit is frozen at all 3 credit agencies and I don't know which service they use. So, I called customer service and asked to have my application processed when I unfreeze my account. They told me to unfreeze and reapply. Now I've been through this before with Ally Bank and their customer service was excellent. It was the exact same process with a letter sent after not being able to finish the app. They processed my prior application while on the phone and I could unfreeze and then freeze while I talked the their representative. I only wanted to diversify my savings. But, I was so turned off by their process that I will stick with Ally.


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I would give Citibank negative stars if possible. Every time you try to make a large purchase they decline, then block your card for use. Had a $5000 point of sale limit. Card was blocked three separate occasions for purchases that came nowhere close to my limit, then once when I was putting a down payment of $5000 on a vehicle. 


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I opened up my Citibank account 6 months ago. I have no job and I perform handiwork. Small money used to come to my checking account and I deposit also Cheques from clients. Some clients pay through Zelle or Venmo. The other day I could not log in my online or the application. I tried calling several times with no explanation. I went to the branch and they did not have an answer. Only giving a number to call the fraud department. Called them and taken in circles and someone’s answers the call and tells me they are closing my account and will investigate after 60 days then will mail me my balance in my account. I am wondering why they treat people this way. I have bills to pay and now am stranded. I cannot do anything.


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I recently responded to Citi's offer to open a money market account, but after 30 days I'm closed it in extreme frustration because I cannot entrust my money to an organization that is as backward as Citi and that makes it so hard to manage my account. Because I put a very large amount into my account, I wanted to set up some beneficiaries to that account in case I die. This was my first encounter with how backward they are. You cannot set up beneficiaries online! At other large financial institutions I deal with - Vanguard and TIAA to name just two, I have been able to manage my beneficiaries online for at least 5 years.


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I've had a Citi credit card for the last couple of years and have not had any issues. They recently started advertising 1.2% interest on a savings account so I thought I would create one. This was a HUGE mistake. First there are no instructions on how to guide you through this process. I spent over an hour with a service rep who could barely speak English to get me through this. It's now been almost 5 days and my money is still in a holding pattern. In other words, I can't get access to my money I transfered.


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We were on a 2 year 0% interest. Paid off the card well over a year ago and resued it as needed. Never knew anything about having to actually call in to make sure Every payment is Applied to the promotion. Either they are leaving out key details to then Extort us for pay on the Interest. I had called Citibank several times, their customer service could have caught and corrected it long ago. Nope, now they want their interest, even though I had full paid the card off well within the 2 years. Thank you.


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To begin, my online account access has been greatly limited to only making my monthly payments due to not activating a new card. From there in the middle of the COVID-19 Pandemic my credit limit was reduced by 25%. When I inquired through the online chat feature it was explained that this was due to my mail being returned. I later called to speak with "Customer Service" who then told me my credit limit was reduced due to a $0 balance collection account erroneously placed into my credit file and that is why my limit was reduced. 


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Citi let me open several checking accounts but when I deposited my stimulus account they blocked my online cause they said my info was compromised to call them. I did then they send me to another department to verify my activity. They did. She said she could not on block it so she transfer me to another department and they could not do nothing for me. They said my check didn't match my address on file and then they said it did their mistake but they still can't unblock my account and they won't close it. 


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Started application to refinance my home on April 15th, 2020. Turned in documentation and was charged for appraisal and other fees, Appraisal come out as value I stated or above. Now on June 21st was told I didn't qualify, but have not received answers as to why that would be despite loan officer promising 'to get back to me'. Communications with Citi are very poor and almost non-existent. Online document portal sub-par and no feedback given about submissions. No contact to say when other docs might be needed. No CUSTOMER SERVICE, just Citi self service. Worst mortgage company ever!!


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This bank is insane. They locked my account when I tried to send $30 through Zelle. It took TWO WEEKS for them to finally unlock it after NINE calls (each lasting over 45 minutes). A day later I wanted to transfer $700 to my personal checking at another bank through an External Transfer. Guess what? THEY LOCKED IT UP AGAIN! DO NOT put your money in this bank. They will hold it hostage and make it nearly impossible for you to access it, transfer it, or send it to anyone. They want to hold it and make it as difficult as possible for you to access it. NINE calls. NINE. And it's still locked!!! Terrible. Terrible terrible terrible.


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18 days earlier wire was initiated from US to Aus and the money has still not reached. Every time you call them they will try to push to another wire specialist and say we have limited access. Don't waste your time. They are bunch of lazy and very irresponsible people. Worse bank and wire department I have ever come across.


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In the wake of Covid19, protests, market turbulence, uncertainty, and surging unemployment, I called Citibank to dispute the overdraft fees that have been repeatedly charged to my account over the course of 2 days. After having barely enough money to buy food and pay bills, I was forced to pause my auto-transfer savings accounts as I needed every dollar to make it through the week. Unfortunately, they went through anyways, due to some delay in their system.


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I have been a Citibank Credit Card customer for around 20 years. I have four credit cards from them and my credit utilization on those cards were not high at all. I have paid all of my bills on time without a missed payment as far back as I can remember. My credit report shows I have a 100% perfect payment record as well. Two weeks ago Citibank decided to lower my credit line on 3 of my credit cards down so low that now my available balances on each card is so low that interest alone will put my credit balance over the limit.


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I have been with Citi bank for an year now. It's very dissatisfying that they are very bad at customer service and also for every reason they deduct money. There is something called standard instructions. By mistake I have clicked it and an amount of Rs 3976 got deducted from my account. How can they do this. No other banks does this kind of deduction. Request everyone to think and go for this kind of bank.


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Good luck connecting with someone to help you. All that they want is for the computer to solve the problem and if you get connected to someone after half hour of waiting, either your issue will not be solved or you will be disconnected.


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Hello Everyone. This review is about the reality that will pop open your eye. I want you all to read this real life event that happened with me and see if you really want to have a relationship with Citibank. I am 65 yrs old retired heart patient and I lost my beloved wife few months back. She had a long association with Citibank and owned a credit card and had a great civil score. I informed Citibank regarding demise of my wife. Citibank confirmed me that there is an extra payment of Rs 9379.20 which Citibank will be giving back to you and thereafter close this credit card so please share the documents.


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I’ve had my Citibank secure cc since September of 2019. I opened this account to help build my credit a little. I’ve used the same bank account to make all my payments. Since this pandemic started I guess Citibank thought it’s a good idea to hold all of my payments for 2 weeks at a time. I called to find out why and they said my may payment was “under investigation” and it took almost 3 weeks for the first issue in April to clear.


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Every time I try to log into my account they asked me to get the code and every time I call the contact number customer service I am on hold over 30 minutes. Sometimes I get hang up and disconnected and I have to call back again so basically every time I want to log in to my account, I have to call and more than an hour on hold. No result.WORST CUSTOMER SERVICE.


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Interesting signature comments from Anand Selva CEO Citi Card after they just cut my CC from $11,500 to $730 for no reason.... Customer for 5 years. No late payments and only using 5% of available credit. Good to have you by my side when I need you the most.... Whatever!!! Scott L. **. "Citi is at your side when you need us most. Anand Selva CEO, Citi U.S. Consumer Bank."


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Recently I received a promotion from Citibank to open an account online and get bonuses, with those bonus amounts depending on the amount deposited. I have online accounts with other banks, but the Citibank online experience is the worst, with so much misinformation provided by representatives on the other side of the world who are poorly trained. In addition, it is impossible to speak to a representative at a local branch. In every case after a few rings, your are transferred to someone that essentially cannot offer you assistance. Stay away from dealing with Citibank, or you will be exposed to a frustrating experience.


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I've been working with different banks for last 25 years, but I never had such a awful experience with a bank before, Citibank is not supporting his long-term clients instead observing THEFT, the person who stole my mail and took my check, wiped out the name and amount, deposited the check on his account, now Citibank hold my money for 4 months and waiting for Mr. Theft to APPEAL on fraudulent activity he did, this is the funniest thing I've ever seen. SHAME on Citibank.


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I've had my Wirecard prepaid debit card from BPL Plasma for some time now. I've always had problems with overcharging, double charging, and everything you can imagine! Pin not working! Charged for a new one when old one quit working etc. Can't load card! And fees are ridiculous. And customer support tells you you only get one "complimentary refund"! Every problem I've had with card was their fault! How is it complimentary to give me my money back when it's their fault? And how many people have accepted this lie! How much have they stolen from cardholders! They charge you when you use your PIN and don't when you use credit option? This is a ripoff company! Long story short! And Citibank had to have known this! 


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My account is now blocked (once again). Every other month they block my account because something is not correct on their end with 'my profile'. The phone number, the address, the password... everything is a good option for locking your account in order to 'try to keep you safe'. Is so frustrating, trying to make a wire transfer or a payment and realising that you cannot do that because of any new bureaucratic issue. Now they say that I haven't sent the W-8 form (supposed to be sent to me on international email), then of course they've blocked my account again, with no previous notice. I have to send them the physical form (no email, right?) and enter every single day to Citibank online to figure out if the lock has been removed. So tired about this way of managing the communication with their customers, they're a shame of bank.


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I've had a Citi double cash for a few years, never late and always paid balance off in full. Also have sears with them. My credit is good! I just applied for a balance transfer card, but recently moved but updated my address before I applied. They told me they needed more info, then I received a letter stating they wanted me to send a light bill for proof of address. I live in an RV Park fulltime so I dont get a light bill, so I sent in a copy of my rent receipt. A lady called me and said that wasn't proof of my address, well why would I get a rent receipt from the RV park if I didn't live there!!! I told her my insurance and other creditors have this address, but nothing was good enough.


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The worst credit card company ever!. Please do not ever ever ever ever get a credit card with them. I gave them a deposit of $1,000 and then waited for my card to come in mail for 4 month??!! The clowns they have working for them could not get my address right. They kept wasting my time and then said I had to wait another 3 weeks for a letter to be sent so I can cancel my account. I waited for that too. I have been waiting for about 4 months to get my money back that I paid. I still don't have my correct address.


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I am a frontline healthcare worker and I have been working the COVID19 pandemic since day 1. Last week I found out Citi lowered my credit limit by $1000, after I finally made a large payment to the card. I called to appeal it, was told there was nothing that could be done. It is unconscionable to me that this is how they treat the essential workers they claim to be there for, and I am ashamed to be their customer.


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In mid April, 2020, my Facebook account was hacked into and disabled. Soon after, I noticed three unauthorized charges to my checking account, each for $250. The charges were made through Facebook, and came from Menlo Park, CA. When I noticed these charges, I immediately contacted Citibank to cancel my debit card and order a new one. I disputed the charges, asked for an investigation, and in the meantime, Citibank put the $750 back in my account. 


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This company not only is rude to their customers but is also zero help. On the phone with four different people, including a supervisor, and all incredibly rude and don’t care. Supervisor even hung up.


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Here’s my experience banking at Citi, and hope it helps you make your decision. Citi is a Very Nervous Bank - I opened a 50K CD Account doing their promotion of $700 in 2019. The account opening process was okay, a little cumbersome, and did ask for a lot of info that seemed overboard and more than other banks normally do, including security questions from possibly decades ago like which street you may have lived on 20 years ago, with answer choices, etc…. But once it got opened, assuming you answered all of their security questions to their satisfaction correctly, I thought it would be smooth sailing from there. After opening, had to link external bank account with trial deposits, pretty standard nowadays. 


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I opened a 3-month CD account. When the term ends, I called the banker to confirm my account status. According to the advice, to avoid being automatically tight in another CD term, I have to take out principal and the interest I earned. The ridiculous thing happened after 2 weeks: the bank withdrew the interest back, and issued me a letter saying I am not qualified to earn the interest. I called and called, each phone call took me at least 1 hour! I've got hung up several times. I don't know why CITI bank bullying the customer so badly. I just wanna my money back.


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I had a dispute with Bestbuy because I couldn’t get in touch with them because of the virus. I contacted their bank!! Citibank reported the dispute to a 3 credit bureaus... I have a zero balance. How can I get this remove?? Shame on Citi bank hurting people at this time of hardship... I called. Spoke to supervisor at citi bank. She was not helpful... I’m trying to re-finance and the Bank Keesler WILL Not give me the Loan until this is REMOVED from my credit report!! I'm in the process of writing the Corporate office! This is very hard times for people. Shame on Citibank! If I get the loan YOU will be the first I pay off... This has caused me a lot of stress.. Please help.


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I opened 3 accounts with Citi Bank. Or let me say I thought all my accounts were opened properly. This banks has endless paperwork to comply with and I had given them every piece of paper the requested to open my accounts.  After endless calls and speaking to agents all over the country they told me all your accounts are now opened.


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Can't get checks to clear w $15000 in acct. Takes hrs to get chat or phone connection. Unable to close acct w/o human so I guess I need to plan a day for that. Supposedly need to "activate" checks. No idea how/why I would need to do that. Why would I have received checks at all on an "inactive" acct. High interest accts are really low interest.


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My mother passed away in December 2019 and I notified Citibank shortly thereafter. I also asked for the credit card balance and asked that her Dividend Rewards of $49.87 be applied to her account. By looking at her past statements, I could see that she regularly applied her Dividend Rewards to her unpaid balance. Her balance was $168.44. I placed numerous phone calls over a 2-month period to Citibank. They had me both mail and fax several documents to them. They used these documents to have their attorney Phillips & Cohen Associates Ltd contact me. Even though her estate is responsible for paying these bills, I have in good faith paid more than her minimum payment monthly.


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CitiBank bank is becoming a joke, reduced credit limits on all of my credit cards at once. Was charged $29 late fee on one of the accounts on 04.01.2020, as I could not get through to them via phone or defer my payments online prior to due date. Contacted via chat asking to remove the fee, did not get a response for many days, called to inquire about this for many days until only today - 04.22.2020 - was able to get through to them, they said there is nothing they can do, because I did not contact them before the due date, which was impossible to do - believe me I have tried. The service I would expect from a loan shark, but definitely not from publicly traded company. Board of Directors of this bank is just a bunch of greedy characters. I am sure class action suit is coming your way, too bad this will allow the people responsible get of too easy. Shame on you!


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I have been trying to resolve my account with a Citibank since February 2020, it is April 17, 2020 to give you an idea of a time frame: Every time I attempted to resolve the account through customer service, I was told they could not help me. I have written letters to the Executive Department for assistance as well as submitted complaints to their customer assistance department and haven’t gotten anywhere. The second response letter I received from the executive department (after I sent several just to get a response) told me I was lying, that I never reached out to their customer service department to resolve the issue and that they are not willing to respond to any other inquiries on the matter (mind you I have call logs and message logs using their messenger application that clearly show otherwise, no one is in a call with their company for 45 minutes for fun, I promise). 


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I think the banking system may be the most corrupt system in the world. If you’re fortunate enough to have savings in the bank they pay a minuscule 1% interest on it or 2, if you’re really really lucky. The structure is all about making shareholders richer. So the banks use your money in your savings account, paying you 1% interest, and charging borrowers 15 or 20 or 24% interest on the Loan (with your money!), Credit unions are no better. So, now the latest go to excuse, for poor, BAD customer service is oh, because of COVID-19, we have horrible customer service, I’ve been on hold for at least a half hour, maybe 40 minutes. And that’s the beauty of banking. Once they get you in, they could give a crap less about keeping you happy. And the recording for the last 40 minutes is “we’re sorry to keep you waiting”. What a joke, They are keeping you waiting, because they are understaffed, and they are understaffed, because of greed, for their shareholders.


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When I first opened my Best Buy card 10 years ago it was not a CitiBank card. Citibank ATE my credit card account about five years ago. When I was late on a payment two years ago they immediately dropped my credit limit. Then, without explanation they canned both my Citibank cards even though my credit is better than ever, and they gave me one only last October. At first they offered no explanation and after complaining to the BBB they told me vaguely it was something they didn't like in my credit report. (I have nothing but good info except something that is 7 years old.) I think they want to scrape off as many accounts as possible before the CoronaVirus makes more people default.


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My husband and I have had different accounts with this company for 4 or 5 years, different accounts, not authorize users on each others accounts. April 8, 2020 my husband received a "account is seriously past due" letter that was dated March 17, 2020. The letter stated that if they did not receive $20.00 within 21 days the account would be turned over for collections. Interesting since the account has been PAID IN FULL with NO late charges since November 2018. 


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I’ve been with Citibank for 8.5 years. Up until recently, not a single issue, missed or late payment ever. I called to ask how many authorized users I could have on my account at a time. Initially, I was told unlimited, and then it was 10. I started to add and remove as I saw fit due to the pandemic So that I could help my friends and family out as needed. I was specifically told that I could have 10 AUs, and that I could remove them at anytime by calling. I wake up April 2nd to find that my account had been closed because of adding and removing AUs, something I was told I’m able to do. 


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I opened a checking account with a $500 incentive code at an actual branch. I asked if I qualified, as I'd had an account with them in the past. They said YES. It turns out I didn't! I dumped a bunch of money into that account AND got direct deposit to get an additional $100. I called the branch and the 800 number explaining what happened, each time being on hold for 30 minutes until they got me to the right person.


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An all access account and Citigold account are the only two choices I had when opening an account in suburban Chicago. I have a DD of approx 3200 a month. They switched me to a Citi Reg Checking which was not an option last year with a $10,000 minimum balance to waive fees. They started charging $25 a month in 2020 and then a $34 NSF on top of the fee if it overdrew the account. I explained to CS that $10,000 was never an option for me so I know I did not open a regular Checking but an All Access that waives $10 fee with a $1500 minimum deposit. You will have to talk to a personal banker and of course they only work 10 to 4, nice hours? Collections raved about her 25 year work history and I said, "Without customers you wouldnt be there." Avoid Citibank at all costs.


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Stay away from this company. I had several late payments on my account several years ago. Have long since been all paid up. The account has been closed for a while now, just sitting on my report. I attempted to send a letter asking for a goodwill adjustment on just ONE of the lates. They wouldn’t do it. Fair enough. After all, I was late - more than once. It was worth a shot though. But then they added the comment to my credit report - “dispute resolved, consumer disagrees”. What? I did not disagree with anything. I asked for a goodwill adjustment and accepted their decision. Asking for a goodwill adjustment is not a disagreement of reporting, it is simply asking a little forgiveness.


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I own a business in San Jose CA. During the Coronavirus epidemic, I spoke to two people at Citibank. I've been doing business with them for over 30 years. The first person I spoke to told me that they weren't ready to take applications for a business loan. She said it has to be done online, but that the site wasn't ready to go yet. I asked her why, since last week I was told it would be ready in a couple of days. She didn't have a very good answer. I asked for a manager and she connected me to another person. He didn't say he was the manager, but had told me that the site was ready to go. 


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Currently on 5th attempt over the last 2 hours. Currently on hold with fraud prevention due to questionable charges on my account. First call actually made contact with a Citi rep who had severely broken English. My call was disconnected after her unsuccessful attempts to transfer my call to a different department. Then the automated service dropped my call 3 times in a row, and currently holding on 5th attempt (50 minutes so far). While currently on hold, I thought I’d use this time to warn anyone who is considering using this service to reconsider. I’ve tried CC service number 4 times, and now the fraud prevention number. No excuse can be justified concerning the lack of service and attentiveness in the fraud prevention department.


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I would consider Citibank a large bank contender - similar to Bank of America, Wells Fargo or Chase; however, I learned over the past couple of days they are nowhere close to the caliber of their competitors. In the past three days I tried to contact the Citibank credit card department because I made a payment and it was denied by Citi (with no explanation as to why - the funds were sufficient in my account) and they charged me a fee for this. I also have a checking account and tried to reach that department, but no one was available to assist. So, this is how the communication (or lack thereof) has been: 3/30: I called customer service and waited on hold for 2 hours only for the automated recording to say, "We are now closed, please try your call again tomorrow. We are sorry for the inconvenience."  


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Last year, I missed a payment due to some financial issues. I asked for a payment plan, and they were unwilling to help with that, so I fell behind, but I was able to get back on track a few months later. Now, I'm trying to move forward, but my credit score was hurt by the late payment. My financial adviser told me to reach out and ask for a one-time forgiveness. They were difficult to reach (although they weren't difficult to reach when I was late, because they kept calling me) and when I finally did get in contact with them, they were unwilling to work with me. I do not recommend this company. I have had far better customer service and more empathy from every other bank I've ever worked with.


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YES, they offer very attractive promos when you sign up. But to deal with the trash that is their customer service line, website and entire customer trash service is almost immoral. IT'S TRASH. A JOKE. A WASTE OF TIME! I JUST SPENT 3.5 ** HRS OF MY LIFE ON HOLD WITH THESE IDIOTS. 1 hour hold is ok... During these times ok... But 3.5 hrs and nothing I just hung up because I played this same game two days ago for 2 hrs and I was not having it! I feel I should be paid for how much of my life I've wasted waiting for them to answer. Or the ** run arounds they give you on the crap website, it's completely a joke!


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I've been a life long American Airlines customer, and I've been subjected to being a Citibank customer for the last two years in order to have my AAdvantage card. They are horrible from website, to payments, to customer service, to unethical practices. During this Coronavirus, if you call them, they will hang up on you if you need anything other than knowing your account balance. They force you to chat with them, which they're never there and they don't answer your question. Let alone a way for them to call you and discuss together so the customer service rep could actually do their job. 


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I have had an account for 15 years with Citibank UK, and bank online because I live nowhere near London where the only branches are. I tried to log on today and a notice told me that I needed a code which they couldn't send to me because they didn't have my mobile phone number. I phoned and told them I didn't have a mobile phone because surprise surprise I live in the country and can't get a mobile signal in my home! I was told that therefore I couldn't bank online and would have to phone them to do any banking, and this would cost £30 per transaction! I am going to close my account of course, but they didn't seem to think anything could be done if I didn't have a mobile signal. How about that for poor customer service!


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I can very easily call Citibank a bad company because never in my life have I been more harassed to give my business to a company. These people will LITERALLY not leave me alone. I have repeatedly called their headquarters and demanded they leave me alone, which they promise to do and never stick with. I cannot believe what liars they are. I used to work for Wells Fargo, so I know how important advertising can be. However, I quit when I felt Wells Fargo had compromised its integrity. But unlike Citibank, at least Wells Fargo has the respect to leave me alone. 


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I secured this personal loan a little over two years ago via a phone call. I have never received any information about the loan, such as summary, account number, statement(s), or anything via USPS mail or email. I set up autopay with my bank via the phone conversation. I am in need of viewing the account information. There is no access available online to personal loan information. I have called over 10 numbers and can not find the right connection to talk to a live person, only the recorded "bot". They seem to be hiding the ability for a person to access personal loan information, or the ability to stop payment and/or switch banks that they pull a draft from. They have until Monday, 3/16/2020, to follow up with me, or I shall move on to the Federal Reserve with a complaint. Be very cautious when dealing with this company for a personal loan.


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I have been trying to request that a check issued to me last year by Citimortgage for surplus escrow be reissued and WHEN I have actually reached a human, I have been treated with everything from ignorance to disdain. It appears that all Citibank representatives are being trained in the technique of talking over the caller throughout the call, to the point that I thought I was mistaken and had reached a recorded message by mistake. To top that off, they do not appear to be in the slightest bit concerned that they have a 1 star rating for their exceptionally inferior customer service.


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I have had Citibank for over 7 years, I have had nothing but issues with this bank and their ridiculous service. I have been looking to cancel for years but I stayed because this was my first bank and I didn't have the time to cancel or it conflicted with my direct deposit. But today I would say has been the worst experience. First they couldn't located my account after giving them the information over and over. They stated my card number on file was not associated with any account which was false as I had this account for 7 years, then they magically locate my account. I was on hold getting transferred from department to department for over an hour just to be told I would have to call back with the correct number on file for Zelle. I gave all my information and I have the number on file. This does not make since as I always receive text regarding Zelle. I have had it with this bank!!!!!!


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I called to Citibank on 21 Sep 2019 and submitted all the documents by Mail they asked for with notarized to release my account and send me new Debit card on my home address. Just today on March 3 2020 I called and they don't have any answers and asking me to resend again all the documents with same procedure. I spent $60 for notarized and $49 to send from Canada. Please can anyone tell what to do about this bank and how can I release my suspended account because every time they put me on holding line for 4 hours. I can't afford that much expenses and they don't have any branch in Canada so they want me spend $1500 to fly from Canada to USA. Please can someone suggest me. They are holding my money from 2013. Thank You, Pranav **


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Since I response to your Priority Account promotion, it has been endless issues. I spent total 80 hours or so trying to resolve all kind of stupid problem with Citi. Even complain to BBB don't get response from them. I highly highly advise everyone just stay away from their deposit services.


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I have had a Citibank Mastercard for 2 years, always pay balance early, chose this card for American Airline miles. Horrible customer service. I recommend finding a different credit card company to accrue miles.


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I opened up a 1.85% savings account with $650,000. I never received a functioning bank card. I spent over 80 hours on over 100 calls trying to get acess to my account. The intrest is capped, cut off and discontinued after $2,000. But they didn't even pay that after 75 days of a $650,000 balance. I requested the account to be closed 2 weeks ago. They tell me it was just done 24hrs ago. They promised a 2 day FedEx delivery for my funds. Then told me 7 to 11 days, then 5 to 7 days. Then after 30 calls to every place I could find for a valid number, they said the check was already sent, then they said it wasn't sent. I filed with the Federal Reserve Investigators today. Going to the Attorney General's office & possibly the F.B.I. tomorrow. It's beyond belief that this company is in business at all. I am possibly losing a million dollar project and my entire income for 2020 from this company. I


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Updated on 03/23/2020: Citibank Customer Service reps are the absolute worst. Last month I contacted Citibank to dispute two charges to my checking account. After I put in my dispute for the charges, I was told that it would take 10 business days for a provisional credit to be applied to my account while the charges were being investigated. I called to follow up at least twice a week for almost exactly three weeks to find out the status of my dispute only to be told that it was still ongoing.


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I signed up for the $400/$15k deposit offer that they had at the time. I signed up over the phone, and I told them to withdraw $15k from my account. I gave them all my info. and it was supposed to happen. Then they kept telling me they had problems with me signing up, they wanted another signature card. Long story short, they dragged out the process, it took over a month (their time window for the offer) for them to deposit my money into their account and they did it for $7,500 not the $15,000 that was supposed to be done with. When I called them about the promotion they said it's been over a month and that I didn't qualify anymore! If you're signing up for some kind of promotion that they have beware!


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I stop using any service offered by Citibank Singapore. The vice president attacked and insulted customers. They said people, who do not have USD 1 million in Citibank accounts, are not important to the bank. Poor customers are just wasting the time of the rich bankers. Good luck Citibank Singapore.


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Opened up a bank account with Citibank. I was waiting on my tax refund to come in. I got notice it was in my bank account or sent. I wrote myself a check, because I was having a deposit made knowing it would clear. They never cleared the check due to my deposit hadn't came thru yet. So I let it be and never knew or even got a statement from citibank about closing my account. I found out 30 days later when was trying to find out about the hold up with my tax refund. I get mobile alerts every day but cant log into my account. I called the bank. They told me my account is in closer process that nothing can be deposited or go out. They then told me my refund of 1787.00 was deposited into account. They took $11.00 for monthly fee. Even though they told me nothing can go in or out. That the money was to go back to IRS. But didnt. 


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1. They first pitched you with opening w/ cash sign on bonus when you open account with them. 2. They approved your checking & saving account requests. 3. They then denied your transfer money transaction (with each and every possible excuses) from other institution to fund the account. 4. They kept you calling their so call "fraud department" that no one speaks English. 5. Finally they closed your account w/o any reason and notification. 6. The so-called non-English speaking Citi employees were very rude and do not know a darn thing here in the state. 7. Purely wasting your time and energy doing your business with these crooks. 8. Citi Bank is doing bait-and-switch committing nu-ethical/fraud business practice, the culture within their company is even worse than ever. 9. Citi crook bank is on the top of the list of American bad Mega Banks. 10. Find some other local banks/credit unions to park your hard earned money.


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I have banked with Citi for over 5 years and have never missed a payment. I found out today the scumbags (Citi) have reduced my credit limits on all of my cards....Keep in mind they did this without any notification. When I called and spoke with an account manager, who was of absolute zero assistance she informed me there was nothing that can be done. Now I'm left with my cards maxed out that's how much they were reduced. I will advise cancel your cards with Citi and never do business with a company that doesn't appreciate their customers. I'm waiting a call from the VP as their actions were completely unacceptable. I didn't even receive an apology for the lack of notification. Shame on you Citi you have definitely lost a customer.


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Had Citibank set up on auto pay and some how unexplained a payment did not process, only found out when the next billing came up showing a missed payment. The same day I get a notice on my credit monitor that a payment was missed reported by citi bank, at this point the bill was 38 days late. I contacted citi bank, they said there is nothing they could do, to remove late payment or refund late fee. I paid off account and closed it. DO NOT DO BUSINESS WITH THIS COMPANY, HAVE NO RESPECT FOR CUSTOMERS.


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I will make this very simple. DO NOT USE CITIBANK!!!! I tried opening a checking account with them and like most banks they ask for a utility bill to confirm my address. I promptly sent a bill with my address and then deposited $1,100. However, I never received my debit card. So I called to find out the problem. They said that the address I gave them is in Queens and not Far Rockaway. I proceeded to explain that Far Rockaway is in Queens and that either way if you send mail to either address it will end up in the same place. Pretty Simple right? No this Rep from Citibank for some reason still put a hold on my account. When I tried to call and rectify the situation each representative transferred me at least 7 or 8 times and never helped me. Then they closed my account without notifying me and then restricted my online account so that I can't pay my credit card bill!! Using Citibank is just one big headache!! STAY AWAY AT ALL COST!!


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First off the entire online site of Citibank is the most unfriendly site I've ever used and continues to get worse. Second it's been a solid month of the site under maintenance and even now that the maintenance is supposedly over it won't let me make online payments using existing account or even adding a new account to make payments from. So then you have to go through a terrible voice prompt hell when calling in to pay off remaining balance. Wish so badly the govt would drop the contract with Citi as they clearly are not doing well in these reviews. Citi is rated as 1.1 stars and that is much too high! Avoid if you can!


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-100 Stars! I am beyond frustrated and upset at how all the employees and fraud department can't seem to have an actual supervisor call me in regards to my check that I have officially endorsed. They have lied to me and pointed out the other bank has not release my funds, however after doing my investigation, they have released my funds on 2/14/2020. I haven't been able to pay for my bills nor buy food let alone get my own paycheck due to the incompetence of their employees. 


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I frequently make quick pay (A.k.a Zelle) transfers to friends and family on the regular and this is about the 3rd time they put an security alert on my account which blocks my access to send money or log into my mobile account. Every single time I had to call them and they gave me the run around It's like they’re uneducated about the company they work for. They give me the run around, forward me to random departments that can't help me Other than tell me everything is fine or they’ll forward me to someone else and it ends up nowhere and a big waste of my time on my part... 


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Received an offer to open a "flex loan" with "fixed rate of 9.99%" & "monthly payment of $96.00". Before I accepted the offer, I paid off all debt on the Citi card from which the offer initiated to start with a zero balance and maximize the low interest rate of the "loan" up to my credit limit on my Citi acct. Citi changed my loan payment by 17% immediately, by 26% on the first statement and by 35% on the 2nd statement. They first said the variance was interest. I told them a loan payment includes both the principal and the interest: that's what a fixed rate loan is: your monthly payment is always the same. 


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The refusal of listening to your customers and understanding their concerns. I have never asked Citibank to stand behind for a dispute. I spend anywhere from $4-7K per month. It is my main card. I placed one item in dispute for $405.00. I received a letter through US mail informing that my dispute has been received and they are working to resolve. 


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I made my first payment on the due date. Apparently they never processed it even though it showed a confirmation number. After this they promptly charged me a late fee and decreased my credit limit without notifying me. I called. Paid my full balance and they didnt even try to retain me as a customer. When I asked to cancel my card all they said was, "You know if you cancel it we wont reinstate it. You'd have to reapply." Hah. I'll never do business with them again. Pathetic customer service and they refused to even try to do anything about their negative impact on my credit. Will be my first shown late payment in over a decade now ill have to fight with the credit bureaus to correct their screw up. Thanks Citibank. I appreciate it.


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On 04 FEB I used my Best Buy Visa card to make on online purchase worth US $148. My card was declined. Within a few seconds, I received an email from Citibank Fraud Alert Center asking whether I had made this purchase, so I clicked "Yes." A message popped up saying the block had been lifted and that the transaction was approved. 


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I'm a customer for last twenty years, very happy and my wife is also a joint account holder. On Jan 27 they froze my account without any communication for their "know your customer" policy. I called Feb 2 when I had a issue upon clicking my account link in Citibank.com, customer representative said that I need to re-register so it will work so I left it is as it's not urgent. On Feb 6th I got two of my payment rejected stating my account got frozen, when I enquired Citi said they did not have my wife SSN and DOB, so they froze my account.


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I've had a terrible time setting up a simple savings account with Citi. They've made it an incredibly difficult process every step of the way. You can do very little online; I've had to call them more than a dozen times. Additionally, they consistently make mistakes with my account set up, so then after waiting weeks to receive confirmation, I have to again call back and deal with their terrible customer service. It truly gives the impression that they absolutely don't want my business. It just shocks me. The worst customer service experience I've ever had.


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As of this morning (2/7/2017) both OFX and QFX downloads were not working from the Citibank online bank site. This is critical for importing your financial data into local financial software. After going through the usual NO HELP helpline I was told it was known problem. No Estimated time to fix, no promise of notification when it would be fix. This is something that has been around for 10-15 or more years. The standards for these files are well known and fixed. The format does not change. So how do they mess it up. How do they not catch in Quality Control before it goes public. Beyond me.


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I called in to inquire about switching from my current bank to Citi. The first person I spoke to wasn't friendly which was surprising since I was trying to be a new customer. She said they could send out paperwork for me to set up an account or I could do it on-line. I called back to have the paperwork sent to me and the second lady was even ruder than the first. She said they didn't have anyone that worked in personal banking by the name of the lady I first spoke to. She also said they were wrong and there was no way for them to send out paperwork for me to sign up for an account. The only way was on-line. If they can't have someone answer the phone that doesn't even know how to conduct business and help a customer set up a new account that's unbelievable. I won't be transferring all my funds and accounts to Citi after this bad experience. Zero customer service.


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I responded to a promotion, putting in $15000 for 60 days. At the end of 60 days I reach out and they verify that I am now eligible for the bonus. BUT...it will take 90 days for them to put it into my account. In the mean time, I have to leave my account open, with at least $10,000 in it, losing interest that I can be making in my high-interest savings account. I have worked with banks, credit unions, and credit cards and have never had to wait more than 30 days for any bonuses, rewards, etc. Having to wait 90 days (with an open account) is ridiculous.


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This bank is so bad. This account seemed like a good idea, used it for about 6 months or so, but as soon as I wanted to withdraw any funds they put up all kinds of road blocks. Here I am now 2 weeks later and instead of simply transferring my requested funds (not the full amount but 1/4), they have went ahead and closed the account and are "mailing" me all my money. Well supposedly they mailed the money last Tuesday overnight, today is the following Tuesday and somehow they still don't have a tracking number for this "overnight shipment". The rep today says, "Oh it shipped out 2 day express to you," but still didn't have a tracking number. They are simply holding my money as long as they can and most likely making up excuses on it being sent out. DO NOT USE THIS BANK!!! There are other places out there that are local that will either match or come close to this rate. Just ask your local bank to see if they can match the savings rates.


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I opened a checking account with Citi back in Aug 2019, and made deposits here and there, and the moment I changed my address, my account was locked. They requested proof of address for the previous address which was a home in which I was just staying at for a few weeks. I did not have any proof of living there such as utility bills, drivers license, etc. I told the representatives multiple times that I did not have that information, and would never have that documentation, that is the reason I changed my address to one in which I had multiple pieces of proof. They did not accept that, and now it has been over 6 months, and still have no access to my checking account, and funds! They are absolutely ridiculous.


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WORST BANKING EXPERIENCE IN 40 years! It all started out with Citibank offering a very attractive interest rate on their Money Market Accelerate Savings account. I recently closed a real estate transaction and I wired a large $ sum to open the account. I then find CitiBank charged me an incoming wire fee to open the account! Everything went downhill from there.


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I would leave negative stars if that was option. Their customer service is so horrible. I don't even know where to begin. Here's the short version: I was assessed multiple late fees due to issues they caused. They deleted my online account and admitted it, but would not reinstate it. They repeatedly said they ordered statements to be sent to my new address and did not. They took a sizeable payment from me over the phone, knew full well a new payment would be due soon and didn't advise me of this. I had no other way of knowing because I didn't have online access or paper statements. See above.


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I have had it with this bank. I’ve paid them hundreds of dollars in overdraft fees which were the unfair. There online and mobile banking system is inaccurate & doesnt match up with there system. Many time I’ve check my account until the morning to see a negative balance, I clear the balance. A few days later I’m charged an overdraft fee! I call them and the claim that the charges were only paid off the next day! How is that possible? My account will literally have money in it before I go to sleep.


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I hope this review helps Citibank as a company to provide their employees with special training on WHAT TO DO if a special circumstance arise. On my end, basically I applied for this card about 2 weeks ago, I did receive an email with a letter attached which says that “WE ARE UNABLE TO APPROVE YOUR APPLICATION” some information in your application cannot be verified. To give you a quick understanding I have had for years an average credit score of 790, recently bought a house, and I did call them to understand what the next step should be?


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Conspiracy or is Citi that incompetent? Opened savings account almost 6 months ago. Large deposits allowed but soon account status closed. 20 phone calls certified mailed documents sent and received. No results... $61000 sitting somewhere? No answers. Every call I make I have to start over. They’ve never reached out to me. Phone calls are dropping. Account help department closes even after 40 minutes on hold... before closing hours. Guess I need a lawyer. I really don’t know.


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I just want to share my bad experience with Citibank Philippines (credit card department) / Agent was very rude and it sounds like that she in a rush. I’m asking the process of cancellation of my card and every time she responded to my question it sounds that she don’t want to assist which was obviously you will notice with her voice and sounds sarcastic of how she responded. Her named is ARRIANE. Happened tonight around 6:45 Pm - Jan 21, 2020. I have other questions which Agent didn’t ask if anything else she can help and looks that she wants to end the call. I asked permission to her to wait which I’m still thinking the other question I want to asked and because I’m not comfortable and little irritated to her because of how she handled the call. I placed her on hold to avoid something might happen. 


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We've had a Citibank Credit Card for years with numerous problems but decided to given them a chance and open up checking and savings accounts for my hubby and myself to get some bonuses. Horrible, Terrible, and Worst customer service doesn't even cover it. I've been doing our household finances for 30+ years and have never run into soooooo many problems doing very simple things like linking accounts. I get error messages online and am forced to chat or call and it goes from bad to worse. Can't understand 5% of the reps and get transferred from one dept to another over and over and over. STAY AWAY IF YOU WANT YOUR SANITY!!!!


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On October the 29th I set up an account with Citibank. I funded the account with 60000 dollars. I left the account alone because I have another account. Fast forward to January 9, 2020 my son has an ER visit. I go to take money out of my savings account and cannot. They say that my account is flagged. I do not have a signature card. I have three accounts. Never was asked to send this in. I then say, "Ok can you sent me the information" to which they do not. Then I call the next day and they send me the information but cancel my debit card. So they expedite me a new card. 


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I just dodged a bullet. I opened a Citi Accelerate Savings account because they offered a higher interest rate than Ally Bank and American Express. I had so much difficulty with their customer service department, I decided to just close out the account. When I went to transfer the funds I was SHOCKED to see a daily limit of $10,000 and a 30 day limit of $15,000. I was lucky I had only put $10,000 in and not $100,000. Before you put money in Citibank BEWARE BEWARE BEWARE of these unreasonable restrictions.


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I got a promotion from Citi, said if I open a new account and deposit $50k into the new account, keeps it there for 60 days, then I can get a $600 bonus. In August, I opened the account, deposited the money, and now it has been over 5 months, still got no bonus. I called them many times and asked why, the customer service said they don't know the reason, although they agree with me that I have met the requirements of the promotion. It is really a scam! They just play tricks and only want your money in their account, without giving the bonus.


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I was denied a credit card by Citi supposedly based on my credit report stating that I had filed a bankruptcy. This was 18 years ago!!!! That is ridiculous!!! This has been off my credit report for years!! ZERO STARS!!


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I've been dealing with the headache that is Citibank for MONTHS now and to no avail... My account hasn't ever been able to be linked to my external bank accounts since I opened the account. I ended up opening another account so that I'd have another account number and hopefully be able to transfer my money out of the account to my external account and I'm able to link the account but it's been over a week and the trial deposits still aren't in the account so I called and they are saying there is nothing wrong and my external bank says that they keep getting an error message saying that the account either isn't associated with me (I'm the only person on the account) or the account isn't a valid account.


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When dealing with a fraudulent charge and the other company admits wrong doing to myself and the bank, they are liars, they will tell you anything over and over. The company that took it said I would have to file a dispute because they don’t have the authority to give it back because it was took from my debit. They will tell you steps to take to make the process faster but in reality you will wait, wait and wait. They get smart over the phone, they hang up on you. They don’t understand the need for money or your pain and suffering due to an unfortunate event. I don’t like the way they handle things in no form or fashion. They don’t care about anything, I wouldn’t recommend this bank to be trusted with your money!


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I was lured into their savings account by their interest rate that quickly changed the next month to a lower rate. I then found out they started pulling Federal taxes out illegally and it took months to correct. Don't try to close your account because they will only send it back via mail. Great idea to send large amount of money. They will give you every excuse to why they can't send the money back to you the same way you sent it to them. The Web site is horrible and loads very poorly. I can't say one thing good about this Bank or their products.


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I recently tried to open a savings account with Citibank. To say that it was a miserable experience wouldn't be doing the experience justice. Now keep in mind that I was going to park just under $100,000 in this account when I got it open. I also am a loyal Citicard credit card holder for many years. My first indication of trouble came when my application was denied. Now keep in mind, I wasn't applying for a loan, I was about to hand over $100,000 to Citibank to do with as they like. When I contacted them about the denial they said it must have to do with credit freezes which I have. They said to lift the freezes for 24 hrs, and the application should go through. Well, that's what they thought, denied again. At this point I was informed that once the app. was denied there was nothing they could do, so goodbye. Incredulously no offer was made to address the problem, see you later.


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Citibank is a thief. I recently began a checking deposit with them and 2 out of 2 checks were mysteriously overdrawn. The first time it happened I ate the cost but meticulously made sure that every purchase came off of my balance right away yet mysteriously out of the blue I was overdrawn again. One day it would be $93 overdrawn then the next day it would be $69. I’ve never seen anything like it. Worst banking experience ever.


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First, I was offered to open student account, banker told me there is no minimum, free of charge and will be valid forever even with no activity. So I did and I deposited almost $500 to my account and did not touch it. And when I moved multiple times to different states, I always update the local branch with my current address. And then just a week ago (Dec 2019), I visited my local branch to check my account and was shocked to hear that they closed my account due to overdraft fees. 


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I applied for a savings account through Citibank for their 2.05APY, sounds simple enough right? WRONG. Over a month goes by and I get no Information regarding my application, then I get an email that they are actually LOWERING the APY on my ACCOUNT that I didn’t even know existed. After a week of trying to get a hold of someone (They were either closed, or I was on hold for over 20 minutes. Every time I would get switched to another representative.) they tell me that my account has been approved, and they ‘aren’t sure’ why I was never sent the card or account number to access this account. 


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Tried to open an additional account with them. A banker brought me through the whole process and said they would call back within 1-2 days. Never got a call back. When I called to ask, they transferred me 5 times, eventually said that nothing had been submitted. They then said any offer had expired and I could not open the account anymore. No apologies or explanation of why they never gave me a call back.


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A couple months ago I opened a checking account that had a promotion to receive 50,000 ThankYou points after spending $750 and paying a bill for 2 consecutive months. After meeting all the criteria I called and was informed that Bill Pay had to be done in a "certain way" through a link that would "setup a payee" which is not stated anywhere on the letter or application I received in the mail. After opening the account I called to verify how to receive the points and inquired about the bill pay and the "adding a payee" was never stated by the Citi Bank representative. A deceptive way for you to not receive your points after they've had your money for the past couple months. Closed my account and will be banking elsewhere.


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I opened an account online on Dec 6th. I received a paper in the mail with my account number but did not receive a debit card. I went into the branch to make a deposit but to also see if I could receive a debit card. When I first approached the teller line I was told I do not qualify for a debit card. Please keep in mind I opened a checking account. I then was sent to sit down with an individual who told me that I did qualify for a debit card but that it hasn't been sent out yet. I was directly to call the customer service number. When I called the new account department was not open. I went into the branch because I need to withdraw some money because I didn't have a debit card and the teller tells me my account is blocked and getting closed because of fraud. 


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2014 Account open min. $1 to maintain checking and saving account. Just realize change my account account policy to min. $10,000. If account not maintain for min $10,000 will charge for $25 service fees. Never know that account open policy change for min. maintain in the account after few years that I did not received any notices. Stay away Citibank. Bad customer service.


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So I'm going to get straight to the point. I had been in contact with this bank for several days and no one from that particular department got back and notified me of any issues with my accounts. I repeatedly called back and someone finally made note to me that I can make use with my account activity. No holds are placed and everything is free to make usage. So today I received more letters explaining my accounts are being closed. Without further ado I made call to clerk and was informed and she verbatim attempted to reread what I already had. She refused provide me her name or any other colleagues involved with the closing of my account. I explained I received 3 deaths in the family where I spent around 30,000 for funeral expenses. This particular account was my vacation account. So the non usage was due to my family members passing. No one inquiry. I made initial inquiry myself. 


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Citibank Yanks $1,600 in Costco Rewards Points and Closes Visa Card Account Without Warning. After years of paying my Citibank Costco Visa on time and in full EVERY month, Citibank closed my credit card account WITHOUT WARNING several days ago and took the $1,600 Costco rewards points my husband and I had accumulated over the past year by spending tens of thousands of dollars at Costco. They said they closed the account because the payment I made for the most recent bill failed to process due to insufficient funds.


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I began the process of opening an account with Citi on November 30th 2019; its December 30th 2019 & I am no closer to success. Let me tell you my story. On Nov. 30th I made the executive decision to create an account with CitiBank. I attempted to do so through the Internet, but the application wouldn’t go through. Instead, I elected to call in & smooth the process. I was made to understand that just a few documents would need to be relayed, and I was told to expect that an email request for those documents would be in my inbox in just a few days.


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My story is long so just stay away from this bank! They are holding my money under the guise of fraud when I am telling them there is no fraud on my account. I physically went to a branch and they would not allow me access to my money. No one is asking me any questions or requesting any paper work but they are "investigating". They hang up on you repeatedly and are inconsistent in their responses. Support you local credit union! The rate that attracted me to this bank is not worth the headache! Good luck.


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Citibank simply closed out my checking account without notice for inactivity. I had deposited 15K in my savings account and was told that I would get my $400 bonus after 90 days. I will never bank with them again.


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I paid off my Citibank Simplicity credit card balance in total in early December. My account balance was at $0 zero dollars. I had initiated, and then cancelled, a $5000 balance transfer with American Express, but American Express made a mistake and did not cancel the balance transfer request on time before $5000 was wired to Citibank. As of December 12th, my account balance became NEGATIVE -$5000. I called Citibank to ask how to get AmEx their money back, and they said they could easily refund the overpayment by moving the money to my linked Checking account. That transaction was initiated on December 16th. I have waited 8 business days (11 calendar days) for Citibank to even "Approve" this refund of an overpayment.


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This is by far the worst bank I have ever deal with in the USA. I applied to the AA.com card a while ago and due to security procedures and regulation I was asked to provide proof of my legal migratory status in the USA. So, I provided with my green card. After many days I called back and this person from customer service says that they can not verify my green card because it looks like a caricature. I told him right away that my green card was issued by the right entity and that what kind of bank is Citibank that they judged my migratory status by the look of my green card instead of the numbers and landmarks that if verify with Government sources, clearly will check out. 


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On December 18, 2019 my bank transferred to my wife's Citibank credit card the last balance statement payment - more than $4,000. So, after that transaction Citibank Credit card supposed to have at least $4,000 revolving credit. However, until December 23, 2019 Citibank pretended that the revolving credit is less than $21. So, my wife and I had practically no money being together on vacation abroad and were forced to go home just at the beginning of our very expensive vacation. So, STAY AWAY FROM THIS BANK.


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Tried to open "High Yield Savings" account (spent about 3 hours OVER THE PHONE ACTUALLY to fill out application!), sent them $2000 and all required documents in the ONE (SAME) ENVELOPE. After almost a month of total silence I decided to call them to figure out what's going on, why they already cashed my check for $2000 but do not send all information about my account? They said that they received my check but did NOT receive required documents to open this account. 


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I opened a savings account online and it was never linked to my checking package correctly. I was charged $25.00 a month service fee. I messaged the online chat and requested to correct this and refund the fees. 3 months later, the problem wasn’t corrected. When I called them to correct and refund the now 4 months of service fees, they would only refund 1 month service fee. I was asked to be transferred to the supervisor, Gurbee. She was extremely rude, kept cutting me off and wouldn’t let me speak. She gave me one more month and refused to credit back the other two months. She talked over me, and scolded me like a child. When I asked for her name, she refused to provide her last name. Never in my life have I been talked to like that from a customer service rep. She had no willingness to help, was abrupt, and extremely unprofessional. Great job Citibank employing such an impolite person.


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I tried calling multiple times to close a credit card account, and every time when the automated recording finally puts me through to a representive, they hang up on me within seconds after answering.


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Bad website does not accurately show balances. Causes overdrafts. A way for them to make money off customers. I have had more than $100000 and yet they bounce checks under $50. Automatic deposit of 6000 yet they return transactions. I'm done with them. Going to Chase. Much better customer service and financial assistance.


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We opened a new account, transferred a large sum of funds to said account, after 3 days the account was denied for no justifiable reason. They said they’d mail a check with our funds, but they held our funds for over a month and did not mail the check. After anxiously checking our mail daily waiting for weeks for the check to arrive, bear in mind this is a large portion of our life savings, we called to learn that the funds were not mailed and were wrongfully sitting in our denied Citibank account. Every time we called we were on hold for at least a half hour if not significantly longer. Nobody we spoke with provided clear answers to our questions, and we were continually redirected to other uninformed people. We will never use Citibank again.


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I have been in South America for few months taking care of my elderly mother. I have a business account with Citibank for almost 20 years. A friend of mine made a cash deposit into my account two weeks ago and the same day of that deposit my account was closed due to an overdraw of 36 dollars. The deposit made was over 1300 dollars and now I want to reopen my account and the bank won't do it because I am in the U.S and they are holding my money. The teller who accepted the cash knew that my account was overdrawn and had a flag on it and even knowing that he or she took the money. I don't have a time frame of when I will be back to the US and I need my funds available but Citibank it's not willing to help. I was never warned that my account was overdrawn. This is not right and they are keeping money that is mine and belongs to me. Stealing!!


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Being an employee of Citibank, it's really unfortunate to write something about the company. I'm having 6 years relationship with the bank as my salary account, and a fraud has happened suddenly on last Sunday evening. My credentials were misused & multiple transactions happened of total 90k from my account through UPI. I didn't have enough money, so the bank over-drafted the money to the fraud account & opened a ready-credit account without my consent charging interest on top of the amount which was withdrawn as fraud. I reached out the bank, raised complaint, filled Police FIR & the bank says, "We cannot do anything, we are helpless!!" IS OUR MONEY REALLY SAFE????


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Customer service representative was too eager to brush me off the call. For the last 4 years I am depositing check into my account. Recently a check return because my signature didn't look the same. Just thinking why the check I write out never get return. Something unheard of. Check are in my name, some address, deposit into my account with the same name. If I didn't know any better I would think it was racial profiling.


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I spent an hour filling out an application for a high deposit and high yield Citi savings account and upon completion received an instant denial (mind you after I gave a lot of personal information including social security for my wife and I). How about review and not denial, otherwise why are you asking for personal information if you don't plan to approve anyway. I have perfect credit and plenty of money to invest so how could you possibly deny. Because I answered a question incorrectly? I am sure I could have but I am sure the rest were correct. I don't appreciate you now having my personal information for nothing since you had zero plan to approve my application. Disappointed this application feels like a Fraud, Phil.


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I was trying to make an ACH Transfer today, first I tried through my phone using their chat option and that person couldn’t help me so they asked me to do it thru the website as we can share screens. When I logged in to the site, Jermal or whatever his name said he couldn’t do that. Not only that but he was taking 5 MINUTES at least to respond, as if they try helping more than 1 customer at a time! That person couldn’t help me, I had to figure things out on my own! This is NOT THE FIRST TIME! But hoping that soon it will be the last time as I’m switching banks! 17 years with that bank and their representatives is more than enough!


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I applied for an interest and savings account by online. The form has a character limit for the first name and I couldn't enter the last 2 characters of my first name. I called the customer care and they said they will talk to the back office team and make the correction based on the verification documents that I submitted. I called multiple times to remind them about this problem. Why would someone limit the name field by character count? This is the stupidest thing I have come across. Guess what? 1 month later they denied my application and I have 15K stuck in that account. I would never recommend Citibank to anyone. Stay away from Citibank.


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I have been with Citibank for over 10 years and since that time, I have observed how things have changed and despite the changes that were not for the better I remained your customer. This year has been a very tough year for me. I had a divorce and still had to pay my mortgage and other things my children need in order to support them without the help of my ex-spouse. I am not saying that in the past I have not made mistakes and had incurred fees which you guys have refunded, but this year has been especially hard, more than I have ever experienced since being your customer. So today I have a company charge my account when there was an agreement that the funds would be removed on 11/29. It was the company’s error and I called my bank to discuss the fees that I received for no fault of my own and the representatives were so insensitive and mean that I ended up hanging up the phone. I have never felt like changing my account as I did today.


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I had a savings account with Citibank, however, Citibank closed my account because I had too many transfers they say. My account was closed on October 31st, 2019 and a cheque was mailed out to me of $1300.00. Today is the 26th of November and still can't get my cheque! I've called numerous times and I was told the cheque was mailed out on Nov. 1st and it would take 5-7 business days to get to me. It never came! I called back and another rep told me the cheque was never sent out and they have to re-issue another cheque, this is ridiculous. Their customer service is horrible.


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To whom it may concern: I opened this account on or about November 4,2019. Wanting to fund the account, I went to the Hicksville branch located at 255 North Broadway, Hicksville, Ny, and used the ATM located inside the branch. I made a deposit in the amount of $260.00 on November 10, 2019, at which time the ATM malfunctioned and did not credit my account and printed a receipt which I have attached. I called Citibank customer service and filed a report regarding the deposit. At that time I was told that it could take up to 10 business days to credit the account however, if I went back to the branch they would be able to rectify the problem, and get the $260.00 dollars credited back to my account. 


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After switching cell phone providers from T-Mobile to Verizon, I was advised I would have to wait 14 days to set up Face ID and mobile snapshot for “security measures” yet I can still log into the app the the user name and password. Annoying and inconvenient.


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I’m in a financial struggle at the moment and my spouse is not currently working so I called to make arrangements to keep my account open. The person I spoke to first was not very helpful and I'm sure the company has the conversation recorded. She proceeded to tell me that my account will be closed if I wanted to make arrangements which I did not understand due to a letter that I received today stating that they can help make payment arrangements. I told her never mind. I will wait till my next payment is due. Make the minimum. I just want to keep my account open. I’m in a dilemma. 


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About 2 weeks ago I was at the Westwood branch and during my visit I have met one of the bankers by name Pavel ** - Nmls id#**, branch #624, Market Place CA13. He offer me his help and spent with me time helping to resolve some issues. He demonstrate high level of professionalism parallel with excellent customer service. I came to branches very rarely and I was very impressed by his work; nobody before was trying to help me as this person. At the end I can tell that I will try to bring at this branch in close future not less than $30000, just because of this person. 


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Relative to Chase, Citi is awful. If it wasn't so much of a pain I would have switched all of my banking back to Chase years ago. I used Chase exclusively for 15+ years until I switched to Citi for ~15 years and have regretted it ever since. A list of issues that I have NEVER had at Chase:


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I was visiting the Tinley park location to put money in the ATM. Their ATM took all my money and never deposited it. Now, I'm late paying my car note while $410 is jammed into my ATM. Now they are doing a 10 business day investigation. If the branch get off their butt to check their own ATMs and check the cameras, I will be on there pissed due to their machine eating my money and not depositing it. They will see the money and the facts if they investigate. Just plain lazy!!


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Tried to deposit $1M into a higher interest account. 2.05% vs %1.85 I was receiving. NEVER got ANY on-line access in 15 days. Monet was never deposited. Multiple phone calls, to offshore call centers (where English is DEFINITELY not the preferred language), yielded nothing. Found out $ never transferred because Citibank REFUSED it. "Too large of a deposit. No one has clearance to accept this". Whaaat?


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I've had a Citibank credit card for over 25 years and my credit score averages 815. I've always paid my full bill at the end of the billing cycle; ever since computers became part of our daily lives I've had automatic payments set up to take care of it. A few months ago I decided to go with paperless billing, especially because I often had a $0 balance on the card. I realized a month or 2 ago that I really needed to start using the card occasionally to keep it active and open. Every month when I got the email statement, if there was a balance, I would write it down in my check register. 


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Switch from bank of America because they were holding my checks too long, only to be joining your bank that I can never use the debit card. They kept telling me the ATMs with the things that were messed up in obliged me to go from ATM to ATM. I've been on customer service phone calls over a total of 10 hours within the first week that I was with them. I just called and verify my account while they're asking me for my account number while I was driving, couldn't see it, answered every other question they wouldn't let me in my own account. I absolutely hate these people. Now they're forcing me to give them at least one star they don't even deserve the option.


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Today I received an email from my Mint app (Mint is a budgeting app) saying that I had a fee on my Citibank account with our credit cards. It did not say which one. I telephoned customer service and discovered there was no fee. However, since my husband has passed and I am only an approved user and not the primary cardholder I was informed that I would have to close the account. They were not able to change me to the account holder. I was put on hold to apply for a new account and then disconnected. 


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My husband and I decided to sign up for a savings account. I went online and tried to fill out the online application and totally filled it out 3 times and the website would not move forward. So I called the toll free line and they said their website was having problems. By the way, it was an extremely difficult task to get a live person to talk with. I explained that I wanted to open a new account and he said he could transfer me so I was transferred and answered some of the questions and then I was transferred again to answer more questions. 


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I have been attempting for 3 weeks to set beneficiaries on my Citibank savings account. First of all, this is the only bank (of 10 that I work with) that requires that they send me a form (via US Mail), that I notarize the form, and then mail it back. They can't even email me a blank form for "security reasons", nor do they understand the stupidity of that logic. After going through all these steps and waiting several weeks, I get a secure message back which I can't read because it requires a special "Investigation password", which I could not possibly have had. 


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Spend hours writing and calling them. I am living in Boston. Next affiliate is in New York. Want to close my account now, after having a lot of trouble with them. They won’t let me. Talked with 4 different representatives for 49 minutes on the phone, provided data and pins again and again. Was finally told they would manually close account and send a check with my money within 5 days. Three weeks later, still didn’t get my check.


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After 30 yrs a customer, they sided against me. I was defrauded by UIS Canada, trying to get Visa. Never use His Canada. Been a Citibank MasterCard credit card holder for 30 years. In dispute, they sided w/ merchant UIS Canada. If you have dispute, get number of executive office. The CEO of Citibank Michael Corbat who makes 23 million dollars a year was too busy to talk to me. Will never see a penny of my money.


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I had a word with Raghav from Citibank customer service and he insulted me. Pathetic services. They do not have answer of questions. They are doing fraud with people. Poor and pathetic service. I would like to take it to consumer court.


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I have called 15 times from Oct 20 to Nov 6 to close my checking account that was opened October 7th and never used except to deposit 16,000. 3 Separate occasions I have been told my account is being closed and I will receive a check within 7 days. I have not had online access since My money was deposited and still have no access to my money. Today they said my account was still open with zero balance. I had to file a complaint with the government and still waiting.


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We have been Citibank card holders for over a decade without much need to work with their service team. If we had known what we know now, we would have NEVER banked with Citibank. We paid off a card after 10 years and thought after a week that the payment was posted and went ahead and cancelled the card. Our mistake. We called to see if they would work with us and reimburse the $250 fine they charged after us being excellent customers with not a single past issue. They refused and decided to stick it to us instead. If they had taken care of us, we would most likely have signed up for another card in the near future. 


