# embeddings_queue

created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2959eaf44da1449d840cf0e1c5315556
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2f3cd39f0e6e494793506bc25cc30f29
encoding: FLOAT32
metadata:
{"chroma:document": "Don\u2019t 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\u2019s a scam! Beware. Never got my bonus. Ended up Losing money after 8 months of sitting at Citibank waiting for a fake promotion.!!! Beware!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 980338847e974fe492c6d4e49ee2e607
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019t 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 971c76fc30454cf4871b71533dc9ae4e
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a83021fd7382459580a39c09d06baa03
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 430e3523cbe840099f8b531239c32530
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2b7702d0a7a642fb958bf63ffbbbbe21
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 98541d0f591b471c9f915adba2fe1e3a
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cf0a75010ae3469387c38c4f4c4d6306
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bc0c7053dbe04893ae18ea78905ec659
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dee862586b664af29bf0b600c2b8f32c
encoding: FLOAT32
metadata:
{"chroma:document": "Worst bank ever. Need to be more professional. They don\u2019t 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d9fce29515ee44feb03cdbc738016682
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7de6e406bc074e6e9f7d366c75517021
encoding: FLOAT32
metadata:
{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7d18beddfa984ab28b8b1c202e52bf85
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d2b6b2a42022491198b532bb76877b31
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019m 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\u2019s 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\u2019m a Type I diabetic and she\u2019s old as dirt."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 128188e629854a17a2c494cb52811dc4
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a3225062b4f7472f8c85c2ec6577de87
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 588675b0f05f406e9f755c5a3f6fde20
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f3ed6b78583d40ea87786ea0fcd2a73f
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb70bc79c5544a7b9ec549376506d9fa
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6b4a825f63d54e2781bc21efc7fc4b25
encoding: FLOAT32
metadata:
{"chroma:document": "The instant you pay down the card, they decrease your limit. Advise it can\u2019t 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\u2019t be undone. So now you\u2019re stuck in a catch-22. Can\u2019t fix the credit score because they both lowered the limit and kept the card maxed out artificially, and can\u2019t increase it to fix the score."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e88b1affc3b041efa42c1fc4fe06b832
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f8cc3fe1dfae4839bbb843bb295e18cb
encoding: FLOAT32
metadata:
{"chroma:document": "Terrible customer service. There was a fraudulent charge on my card in April, it\u2019s July 22nd, still not resolved and I still haven\u2019t 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e54f449109a542c09eeb3a4378b54ec6
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019s sake!!! DONT RISK YOUR MONEY. THEY ARE FRAUD."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 72eb6c04040241c6a555d0321e11f0ec
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a7729a59853241fca25d5b9f38874947
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6b915455ecb543f2b38dc2bcf43072ca
encoding: FLOAT32
metadata:
{"chroma:document": "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?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 75e28eddfd074d2f9b65c8d651e516fe
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1d10ec1dc9e445e196af1ccac877ad39
encoding: FLOAT32
metadata:
{"chroma:document": "I am a new customer needing customer support and the service is terrible. One representative doesn\u2019t 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\u2019t helpful. Very disappointed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 54142f1be22c4d0d9eedc2ef5c4c1c7c
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d96785e280dc4ffa9e2ebf702b6179a3
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2c3ce87c0a774638aa612a11cf3b088c
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019ve been told so many things) and now my money is being held hostage. I\u2019ve 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\u2019t know what to do. If anybody else has experienced this it or is experiencing this please inbox me on Facebook."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b2c5ba9c2eda4b1b8882a67dd35537f3
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9907d658672d4697af058fc970563b71
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 88afad8e6883488bbfafd58b322b5aac
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019s 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 89369e0091c24b4ebfadff8263ca815a
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a3f9eb919439421ea5ababc13e31bb32
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 64a959ec7bf449e4b0cccd1ce8fc58b7
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6144f9fee618462087517107e0ccbdbe
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 34fdae9b39d0472fbf8103bb6e7c0a33
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d9b345b3782b4450a5f34e7f5951a8ec
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{"chroma:document": "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!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9d037e0920c842bd893983c94accd5a6
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 665430cc6abe4bc8b4c0cd8bd3c73158
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bf7d8fbfe1d947a593f3f44bded5fe5d
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dfc27d8cdcd4459da8429fb819764ac5
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 60b3a891aafb433cac05ac4cc7d1f035
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{"chroma:document": "I\u2019ve had my Citibank secure cc since September of 2019. I opened this account to help build my credit a little. I\u2019ve used the same bank account to make all my payments. Since this pandemic started I guess Citibank thought it\u2019s 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 \u201cunder investigation\u201d and it took almost 3 weeks for the first issue in April to clear."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a5b71f72fd9949029c909aab2a7de1ef
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c5504cb9733241ffa61621a455760abd
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{"chroma:document": "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.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 258e87f535584fe0bb37d237663ead33
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d19b6c857b084acb94b6ac0cebd584ac
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metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9000f37c92434cf6ad69b45a56c637aa
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{"chroma:document": "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! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 183512335d5d4e92a866d4a8a4356999
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0c51b0f387a24f5ca557567daab06f41
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0e27762a24364c02ade71ad9c70d61c0
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 58a1df18913b4968b15ba0678f3411a2
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metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0ebd3618600b492bb9951dd8ba4f2a6a
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8461dbd621594d95baa2a18dc2d2b311
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019t care. Supervisor even hung up."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0ab375249cac4eda998514f30a4da8f3
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{"chroma:document": "Here\u2019s 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\u2026. 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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2cecaa7b45a7484abe296827db572781
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ceb15b0f5f614372a9cdb848347efca5
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{"chroma:document": "I had a dispute with Bestbuy because I couldn\u2019t 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\u2019m 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c9c9016028941e894b8d5d3110695f6
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 699a3082d1e746eeb3f32a084520415e
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dba68023883048bfaee5a7a105390b15
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{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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\u2019t 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). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b1f932719bd642c7b2ddc73ac4d01c1b
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{"chroma:document": "I think the banking system may be the most corrupt system in the world. If you\u2019re fortunate enough to have savings in the bank they pay a minuscule 1% interest on it or 2, if you\u2019re 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\u2019ve been on hold for at least a half hour, maybe 40 minutes. And that\u2019s 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 \u201cwe\u2019re sorry to keep you waiting\u201d. What a joke, They are keeping you waiting, because they are understaffed, and they are understaffed, because of greed, for their shareholders."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 01daeeb85c3c4d2d8c9391bc2017b79b
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 09ad772d35354716aa17c685c7c1d445
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve 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\u2019m able to do. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 508ae4f3b672443fb264146feb2a6bb2
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8103840b2eeb48599765eab1cd321f58
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8b4641eae4f4415593902b27692fea94
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{"chroma:document": "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\u2019t 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 - \u201cdispute resolved, consumer disagrees\u201d. 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."}


created_at: 2023-11-04 20:04:30
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 371a3301fe92400fbaf16efebd211dff
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019d use this time to warn anyone who is considering using this service to reconsider. I\u2019ve 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5da1e7171175493081babcc2079df934
encoding: FLOAT32
metadata:
{"chroma:document": "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.\"  "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bd574af94c59417fa4e6545101eb9382
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 74d6e463e91044ec92f5d0f83569f301
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{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c0cc6595bb0841e991438ed28fec47b8
encoding: FLOAT32
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d12c68343a844beaa3293366df5ad0dd
encoding: FLOAT32
metadata:
{"chroma:document": "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 \u00a330 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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c0dfba2b352549fcae1fd1ab7ae74188
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5c8d684b98204c539ae40eb2a465e760
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 168cf3acda614e51be46bf9cd562b0b8
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e81eacbf86234057ab7361a9372b7c4a
encoding: FLOAT32
metadata:
{"chroma:document": "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!!!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c8fc84d74d404daeb4bb00e2e9c8fef4
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{"chroma:document": "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 **"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 829f8d78ec6e4004b09bec995a5cd41b
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2ef38314cd4e4f3eb9b1778c32cd8c8d
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 01933021f01c4626a832c7af7c008da8
encoding: FLOAT32
metadata:
{"chroma:document": "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"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d065e4e7f56a434f8344db9b67287a75
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3a165a210c8340a1ba7b5de5f216e44f
encoding: FLOAT32
metadata:
{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a610c0f8a1d9439fa708c9f8036b4d6c
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d42ef075cfd44e3bba25ef084dbfccc1
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 884108463a684f518deaef484e016800
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d5ee66972a1e4de3967a7184bc3ee073
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dd889d4cd90e4b62b748c4a396d8bc29
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metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b65edd9518ba4ef884a0d07a8eb89a3f
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metadata:
{"chroma:document": "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!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a70dea9966e0460ca594de0dc44c3729
encoding: FLOAT32
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{"chroma:document": "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!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b1ccd4071ea440f69436c86b8ac18ba2
encoding: FLOAT32
metadata:
{"chroma:document": "-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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 51adff4398174662a8316e320fd43e02
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019re 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\u2019ll forward me to someone else and it ends up nowhere and a big waste of my time on my part... "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b73048be9da246d59c30fbc3ab62cd44
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8391479b58a94d69b58f7c41f0a579b2
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3b55954a391c4f91b11ac9195577a9cb
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9778c38287b0437d8979009333caa2a7
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 30cea7bc2a584c8b9e23dc825243f5b7
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 68b680b1626340f182379e05dde2d86a
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4a07871194a34c18ad91dea3cafe536e
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c4b784b7bed840dbb9257adc9b24af3f
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9c2fd92b859b494d96afe463714dd559
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7858a5cf79954ad29311d20b77ab2299
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5ebf7afdbd3340acbd71caf8296da55f
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1b146bbb45a84b3994dad923e2545222
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 76a681c365654ee5a0156e461546c474
encoding: FLOAT32
metadata:
{"chroma:document": "I have had it with this bank. I\u2019ve 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\u2019ve check my account until the morning to see a negative balance, I clear the balance. A few days later I\u2019m 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2f845b09d2d34ac79f22e1f219b0a7db
encoding: FLOAT32
metadata:
{"chroma:document": "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 \u201cWE ARE UNABLE TO APPROVE YOUR APPLICATION\u201d 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?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6eed095c5a9b44b6809897467f04bc13
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019ve 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\u2019t know."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b06ebc8131b54a5f93132665408bcee6
encoding: FLOAT32
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{"chroma:document": "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\u2019m asking the process of cancellation of my card and every time she responded to my question it sounds that she don\u2019t 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\u2019t 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\u2019m still thinking the other question I want to asked and because I\u2019m not comfortable and little irritated to her because of how she handled the call. I placed her on hold to avoid something might happen. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0fd6bcaa927d40f2b0926a623442eb5a
encoding: FLOAT32
metadata:
{"chroma:document": "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!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5822408dbf784f01b04efa8a49fc8bd9
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 120e31647dea447289a996ac1463bffe
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7dc0fc58571145039f54ad0d3eb473b4
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 792babf5ab6a413197acdd2f270a3065
encoding: FLOAT32
metadata:
{"chroma:document": "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!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c47beb99497742da955884ee38338b35
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6810aa444feb4fc395119d0a6fb75a34
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019t 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\u2019t understand the need for money or your pain and suffering due to an unfortunate event. I don\u2019t like the way they handle things in no form or fashion. They don\u2019t care about anything, I wouldn\u2019t recommend this bank to be trusted with your money!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c2d5cd01a3864e079c6b3210fcae9965
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bafb453fcdc549b780a90c2f3d79e300
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 81a7124ca16f46338d69ad6fb7b28e42
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{"chroma:document": "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\u2019ve never seen anything like it. Worst banking experience ever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f58663f16f404d98874014634d093a65
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metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c30a1ef606004c39a6879b156ccebb85
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019t 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 \u2018aren\u2019t sure\u2019 why I was never sent the card or account number to access this account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c54d9ac7defb4ffd906b58b87d5c84c4
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c102b1cd028a42fab87be786fc5d7788
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e0a40076013549f89f59fc3da347b3b8
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3a83b2b926884c53866f4f25fb9c2001
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 368ec1a1c24548c997deb139caa20151
encoding: FLOAT32
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 083603e6d2c246e29d7b8682f1945a57
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ac3aa613a018466094371e3d6694c439
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metadata:
{"chroma:document": "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\u2019t 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0eb51dde92f646adab2e81c0b638cd75
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metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1739aed3b5514810b04b780168979050
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c51d9841da194d0ca73caff66a57f291
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c2b34973efb849c39af6d12251232e64
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2dbca5ad6fa9411fb9241d48da6827b8
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2ad93207f4924ca486de1d3e24695267
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metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eca7eddd5fe947d8b7d5ef29594d8e35
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019t 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\u2019t 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d4c72d2f2b8445258f21e79ae8c054fe
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3fdc3df858cb4df698895bdb73d6a36e
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 71610523be874b84bb064f27f1857a98
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019d 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "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????"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d9cae7f1eafe4a12aa76242a30cb18db
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 41752e572185491f99c48239eb00bc10
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 752d6ec19a0e44f48ad3663b7e17fd5c
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{"chroma:document": "I was trying to make an ACH Transfer today, first I tried through my phone using their chat option and that person couldn\u2019t 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\u2019t 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\u2019t 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\u2019m switching banks! 17 years with that bank and their representatives is more than enough!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cb218e2719f94a12838b85dd9dd410a2
encoding: FLOAT32
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a22ffc94d704f1ebe26e9ef1019bf4a
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{"chroma:document": "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\u2019s 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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 60c8a174171343db9b607232815a9133
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b514bf907e784efa92da2b6aaa781b04
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d932e333cdc5499cb0ac6ab2e521dc89
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{"chroma:document": "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 \u201csecurity measures\u201d yet I can still log into the app the the user name and password. Annoying and inconvenient."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d8a2405d74a941d38586c88455769615
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019m 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\u2019m in a dilemma. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d9056b646fa54e578e60e3651182de4d
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ad9a8153fee948a6826d87636e787c03
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{"chroma:document": "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:"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 225e13c52604443eaaa2964a882f5159
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{"chroma:document": "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!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f0ce9e33d6a64cfb95866987e886adbb
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{"chroma:document": "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?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 654bec22be654f4f8879952bec4394ae
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e10a792c88c040f1a58f35f961d0a52a
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metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a045b5af8e27474ca419e49ad212b125
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b993a4bfa6234681a6fa19b0b81fa2d4
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c2f481e2acef443b8ce6a75617a62b7e
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{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 134166ffad7d4e04b340418a0e88c444
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{"chroma:document": "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\u2019t 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\u2019t get my check."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 919a7c7ccfcb4b6da9c53554a609b05b
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e17aa10ea78c41ffad807619b6377eb3
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metadata:
{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e9a06ac16b5a47bfb5a4e3277dcc29ec
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{"chroma:document": "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."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 61add677acf54866ab388db1f6ae25b6
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metadata:
{"chroma:document": "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. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 388e069bd97041ff90f2ec6c6ef726c7
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{"chroma:document": "Seeking a high interest savings account, I opened a Citibank account online. I'm a US citizen who lives abroad and I opened the account while outside the USA. 3 days later I attempted to log-in to my account. I was told I need a debit card number & pin to access my account. I don't have this information b/c I am on the other side of the world from my USA address where the card is being mailed. I spoke with customer service and they have absolutely no way to provide me access to my account and money, no way to close my account, and no way to transfer money from my account unless I have the physical debit card in hand. (And was among the most rude & condescending customer service I've ever experienced.)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 229cdbcbbccf42369813ace12426d9b8
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{"chroma:document": "I don't know how hard it is to have a system that literally helps you type down and record sessions in order to not forget to assist callers. I had my card stolen and ordered a replacement which surprise surprise never showed up. Unfortunately for me having an international business trip coming up outside of the US they couldn't overnight me a card in the span of (Oct 25-Nov 02). Having to get to the airport at 4 am to be told my entire reservation did not go through and I had to pay out of pocket in order to make my flight (Over 400) was the continuation of said nightmare. I had to call One Card Service from Citi to have the \"hold\" remove from my stolen card and only source of payment in order to try to rebook my flights. It took 5 different CSR to try and read notes in order to see what was going on with the entire process which they keep adding more obstacles to it. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8e18d8e55dd0456988b2e5dd88bf97ae
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{"chroma:document": "In July 2019 Citibank lured me in with a 2.36% annual percentage rate for their Citi\u00ae Accelerate Savings account. A few weeks later they informed me via email that they were lowering the savings rate to 2.21%. That was disappointing, but acceptable. Then a few weeks later, they quietly lowered it to 2.05%. This time I received no interest rate change email as before \u2013 and I couldn\u2019t find the savings rate anywhere on my account details when logged into my online account. When I called and asked them about where online I could find the current interest rate for my account, a phone rep told me that it USED to be displayed when logged in, but is no longer. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c5c8bf166a454a099fd1845810ad8318
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{"chroma:document": "Horrible, horrible customer service. I have been a customer of Citibank for over 20 years. There was a fraudulent charge in my account, along with a foreign transaction fee for a PAST trip overseas of ONE day. This 3 separate charges totals over $1,315. I have auto payment directly taken from my checking account for all balances to be paid in full every month. Disputing these is like pulling teeth. I have spoken to 6 different person in 4 different departments. Each time they assured me I'm talking to the right person, then later said that I'm in the wrong department, or told there was never a dispute filed. Funny, so it just went poof? What did I waste my time on? Each call costs me between 20-40 minutes. I still don't know if they will deduct this $1,315 from my account in a week when autopay kicks in. The investigation will take up to 2 billing cycles, while the other department said that it will not be billed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 61302bac52b6424ea4e23392105d3ebf
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{"chroma:document": "I needed to change a 100 dollar bill. Fortunately, a Citibank branch was nearby. I walked in to the bank to change the bill into singles (10s, 5, anything smaller than a single bill of 100). After standing in line for about 20 minutes, I got to the teller who told me that they could not change the money. She asked a supervisor who told me that they only change money for customers. They would deposit to their account, and then give them singles. I also saw both the teller and supervisor looking at the bill closely. I asked them to check through the machine if they concerned that the money might be fake. She said they did not have a machine at the branch to check for fake currency. What! A citibank branch in NYC - 16848 Hillside avenue told me that. I did not believe it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c087695c658a4098b9905b79075e9afa
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{"chroma:document": "I foolishly accepted an offer from this company and never received my card due to a recent move. I received an email from them stating my card had been returned to them. So, I called to update the information and that\u2019s when I learned how truly awful this company is. They had me on the phone for close to 40 minutes and I was politely hung up on in the end. The call center is outsourced to India and the accent was so thick it made communication quite difficult. They refused to send me the card until I would allow them to call me at work. Calling my cell phone was not allowed, company policy he stated, and must verify that I\u2019m at work. It just so happens that I\u2019m not at work today and that\u2019s what led me to place the call. I don\u2019t make personal calls while I\u2019m working. Especially, to credit card companies. I never had to jump through these hoops in order to have the card sent to me in the first place. This is a little too 1984 for my taste."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c1de577bf81442f0a9dd6fb1891330b6
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{"chroma:document": "If there is a zero star to rate this experience I had with CITI I would .On 8 October 2019 while I was at M1 Paragon waiting to be served, I was approached by Derrick ** the Sales Officer who was promoting the Citi credit card for airmiles. I am all along keen on airmiles and he sounded convincing so I decided to go for it since it only takes 5 working days to process and hassle free. What I least expected was till today 22/10 I have not receive my card and everyday he will tell the card is in process."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f4df68259f574aee905d7917f7fc71a6
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{"chroma:document": "I was called repeatedly from a number that said Home Depot - finally picked up. Was met with a rep named Ranita who yelled at me for 5 minutes. I told her I did not have an account with Home Depot. She said there were late charges. I said I would take that up with my credit card company. She said, \"WHAT CREDIT CARD COMPANY, I'M WITH CITIBANK.\" I said I was not a member with Citi Bank, but rather Chase and what was her name. She said RANITA. I SAID THAT THREE TIMES. So I hung up. Needless to say, won't be switching over to Citi Bank if she is considered a Manager."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I have been a Citibank customer for 25 years. I took a large sum of money from a different bank and brought it to Citibank in May to avoid monthly checking account fees. It took until June to open the account. Ever since then, I have received calls and threatening letters FedEx'd to me that they will block my account if I did not provide information as to where I got my \"wealth\". I have been on the phone several times and felt suspicious of their questions and that I needed to identify myself (name, birthdate, social security number). Shouldn't they already know this? I then requested help from my local branch manager (nice, helpful people at the branch). He and I completed the \"required\" form, he scanned it and sent it in. They wanted to know my monthly income, source of my accumulated savings. \"Working my butt off\" was not an acceptable answer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: caa5f560aa694e36a175c1d71bb51ed1
encoding: FLOAT32
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{"chroma:document": "I had applied for a global currency account in June 2019 which still has not processed. Received no update or communication from Citibank. I had to personally contact them to follow up on the application status. Firstly, application did not go through because it was lost in the mail then I submitted again via email and was informed address was written differently to my profile... It is ridiculous that Citibank do not identify \"Avenue\" as \"Ave\". I am sure if you type it onto google maps it will come up. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cb2fc434cedb4659b6149c843acfbdd5
encoding: FLOAT32
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{"chroma:document": "I opened my account with them, then I added money to the account from my debit card. Then, I called to have the funds transferred back, due to that I was canceling the account with Citibank. The agent informed me that the funds would be back to my debit card within 2-5 days. Then, 2 days later I call to find out what's happening and the other agent informed me that they had cut a check for the amount to send to my house within 3-5 days. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 24175fa968d94dc084fcd58d83cd66cd
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{"chroma:document": "After nearly 40 years with a PARTICULAR branch, every one of my accounts has been blocked and frozen. Recently was required to comply with their new \"Know Your Customer\" policies. I complied (TWICE!!) - was verified, ASSURED I was in the clear - then BAMMO. All accounts are locked down -indicates \"closed\" online. There is significant value in each account - and now I am on hold to learn more as to \"WHY!\" It has been 4 days. My College kids have no access to their accounts either. DOES ANYONE KNOW WHAT IN THE WORLD IS HAPPENING? I AM SO UPSET!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3fde1fe67d90420aba6c03846b665e8a
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{"chroma:document": "For over six months now this bank has refused to close an account that was opened fraudulently without my permission. I have called them every time they send me a statement in regards to this account and every time I get the same answer from them saying they are closing the account and yet to this day it remains open! I\u2019m very frustrated with this company and have been emotionally traumatized by the experience. It\u2019s hard enough when your identity has been stolen and you feel violated. You now have to relive that feeling every time a statement shows up for an account you have been told is being closed. This is a not good business and I want people to know the way this company has absolutely abused my rights and refuse to help me close an account I didn\u2019t have anything to do with in the first place."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 681f229b3d1f4ce3a5ef03df605ff740
encoding: FLOAT32
metadata:
{"chroma:document": "They never do anything in a timely manner. Their representatives are completely inadequate and incompetent. They lie. They deceive. It takes ages to reach out their CS but when you finally do and ask them to do something they will do completely opposite."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 928c1fbdfd7e465ea04c3f95e51e29b8
encoding: FLOAT32
metadata:
{"chroma:document": "After 30 years being their customer, I received letter letting me know they will be closing all my accounts - with no explanation given. Absolutely horrible the way they treat customers. CITI is too big to be a normal bank. I took all my money to Chase- the hell with CITI!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bf061787937e4c3cb6c2da7aa4c77e62
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metadata:
{"chroma:document": "Online support is horrible, wait time is absurd. I waited over an hour to speak to a supervisor in which to reverse fees in which they staged to make a profit. Supervisor Paul id# ** from San Antonio Texas was rude and offered 0 assistance and when asked to speak to someone else, had refused and hung up on me!! Citibank deserves a lawsuit for staging fees to put you in a negative balance, then charging fees, for them charging you these fees \u2013 basically stealing from the consumer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0201bb583f074084af7d9cd31e6a6e1f
encoding: FLOAT32
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{"chroma:document": "I set up one of Citi banks high interest savings account and use it to transfer money from my local bank. I used it three times. On my fourth time my account got suspend. I was told that they could not validate the address of the bank that I transfer money three times already. I want to close this account and find a new bank that not going to suspend my account any time they want to."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2d284461522949a4b82d4acca5053927
encoding: FLOAT32
metadata:
{"chroma:document": "Stay away. Far far far away. I opened a Citi account when I moved from one city to another and my current bank wasn't available in my new city. I was also selling a house in the old city and found out right before closing the water heater needed replaced. My mom writes me a check to help cover the water heater costs. I deposit it into my Citi account on a Friday and come Monday, I'm not able to log into my online account. I can't login and I can't change the password. I find this strange so I call Citi."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 41e82cb059364a0b834f14978505a035
encoding: FLOAT32
metadata:
{"chroma:document": "Updated on 10/09/2019: Clearly states, open a new savings account for 60 days and then receive a 400 dollar. I opened May 1st 2019. Waited to August 1st. Was told they need more time about 15 days. to process. I came back Sept 1st and told again any day now. Ok I come back Oct 1st. They say about 24 to 72 hours it was all processed. Well today is 10 9 19 at 4 pm and when I made the fifth trip there, 20 minutes, I am told maybe another week. I guess they can play this game as long as they want. I can not remove my money and so I am hostage now. 5 months with no end in sight. Will never use Citibank again. I warn everyone I know."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: afc944e6a20c4f5185195994b3f3a43f
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with Citibank for over 28 years. They were truly the best bank for years. After shutting down so many places and you have to go 7-Eleven to access Atm and the services were simply getting worst, which in this case should get better, since they are mainly online. I decided to go to Credit Union, what a difference it is, how a bank should be run. Operating a business like it should be. I did not close account, as I thought it is good for back up. Recently, misplace/lost my card. Although they verified me in multiple ways. SS, bank account, atm passcode, address. They asked me questions of 20 years ago, which I did not answer correctly."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8fc105c36c1b43bea6a9cee22ba471ce
encoding: FLOAT32
metadata:
{"chroma:document": "I got ripped off by a merchant and supplied them with the information 4 times. I would call. They sometimes said they see it and sometimes not. Then they dropped the dispute saying I never supplied any information. I tried in vain to get them to reopen the case because it isn't right that this business gets away with being crooks. After 3 tries I gave up. All during this process I received conflicting information via email and phone calls. At this same time I was trying to open a savings account with a $100k estate I received. Again, it was impossible. Conflicting conversations and emails and they finally dropped my attempt. Could never talk to a manager in the United States. Pathetic. Long time customer says Goodbye."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 925a47e524264f50a136e87ee40b8147
encoding: FLOAT32
metadata:
{"chroma:document": "So after paying the five dollar fee and having an account open I proceeded to withdraw $150 from my Chase card. Only to find out once it was transferred that it would be a four day hold. On the funds that were already withdrawn from one account are now tied up in a four day hold, and I\u2019m $100 short on my rent. I would\u2019ve never transferred that money if I had known the outcome would be I would have to wait until Friday! Had I known about this four day hold I would\u2019ve been better prepared. But nowhere in the paperwork does it tell you anything about deposits waiting for days. Had I known this I wouldn\u2019t have sent the money or opened the account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2b64da551e8949169b6b6f96970a0516
encoding: FLOAT32
metadata:
{"chroma:document": "I attempted to open an Accelerated Savings Account online. Four-weeks into this nightmare, I am no closer to having any idea as to where my information (SSI, signed W-9 card, signature card, a copy of a current utility bill) has been posted. What I do know is that every time I call, I get a different story about where and what is going on regarding this account. Multiple transfer, inept and grossly unqualified foreign CSR who are in many cases difficult to understand. I was advised to call back today, October 3, to confirm that the information I submitted was receive and my new account would be activated."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 29a47c304f9c464188a18531397de307
encoding: FLOAT32
metadata:
{"chroma:document": "Citibank's \"Fraud\" Department cancelled my ATM/Debit card for some unspecified fraud concerns, for \"my protection\" and never notified me, I found out when monthly bills were declined. Then it was like Twilight Zone, they never notified me, and after 4 calls to their customer service line over 3 weeks, where I was politely told the new card was on the way, I was then told they could not order a replacement because my main address was a PO Box and they can't send it there. So 3 weeks later, and after 4 calls, no new card had been ordered, despite assurances it had been and they just weren't planning on telling me. I still don't have the card, yesterday they assured me they would \"rush\" it to my street address. Bizarre."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 80a3408e5720430991f5f10ca195c037
encoding: FLOAT32
metadata:
{"chroma:document": "I have never had such consistently horrible service from any company. Every time I call it is a complete nightmare to get connected with the right agent. As of writing I have been on hold for over an hour trying to unlock my account so that I can finalize the purchase of my home. I still haven't heard from a human in over an hour."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f1cc14f854d34ad5a4cb7baeeb4c72bb
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metadata:
{"chroma:document": "I have been a Citibank card holder for over 20 years, however due to medical reasons and medical bills, I decided to enroll in a debt Relief program. Citibank refused to help me, would not allow my card to go into a debt relief program because of a previous attempt a few years back. I would highly recommend you do not use Citibank, If you ever find yourself in financial trouble don\u2019t Count on Citibank to help you at all. I would also like to point out for over the last few years I have been on time with my monthly payment."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eeedac2cffe049c5a39166819589156e
encoding: FLOAT32
metadata:
{"chroma:document": "Citi Bank make it incredibly difficult to make a payment on your credit line. There is no way to make an online payment if you don't have a checking account with them, really in this day and age. You have to mail in or call a customer non service center. Most of the customer service people are very difficult to understand as they are obviously off shore. If your question or help needed goes beyond their narrow focus you are doomed to be put on hold for another 45 minutes. In this instance I made a payment at a local branch, received a receipt but the payment was not processed for a number of days after the date I made it. I was assessed a late charge for this transaction and thus so far today I have spent 2 hours trying to get the charge reversed. Poorly trained staff, hopeless access to decision makers... stay clear."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b54c92130cc74e9f8853f4568255f3fa
encoding: FLOAT32
metadata:
{"chroma:document": "I found fraudulent transactions on my Citibank credit card and called customer service. I was connected to a call center in India. I could hardly understand the male representative but I managed to cancel my card and order a new card. After it was resolved, the male representative started asking me personal questions. He was very persistent in wanting to know my exact age, exact birthday and if I was married. He already had my home address, phone number and email address. I asked him why does he need to know my age (Citibank reps have never asked me for that information in the past). He said he asks all his \"female\" callers this question. He went on to say that he knows women are vain and don't want men to know their age or weight."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cd4353fc01164c17a777edc34e566a58
encoding: FLOAT32
metadata:
{"chroma:document": "After 21 years of banking at Citibank, I am finally closing my account. From assigning all my kids the same ATM number for custodial accounts to saying a check was in Canadian dollars when it was U.S. [yes, had to have it pulled], there have been so many problems. But the final straw was my interactions with a \"personal banker\" named Roman ** when I went to check on paper check deposits that weren't showing up in my account. His first reaction: \"That's certainly not my fault.\" [Did I say it was?] "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 303057e23e9640bea1648449b496eb89
encoding: FLOAT32
metadata:
{"chroma:document": "I tried to cancel an external account transfer but it did not show up as even initiated. I called the bank and the associate said it was a mystery as they could not find the transaction but in addition, there was nothing they could about it. Of course, the transaction went through, causing to have my external account to be overdrawn. Also, they have a $10,000 daily limit for transfers, holding my money hostage. Funny how my $70,000 transfer went through, though. Run from this bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 60344b6483db4985a47fbe02a4843abb
encoding: FLOAT32
metadata:
{"chroma:document": "I have 2 Citi credit cards for years. I always made my payments on time. The credit limits were up to 15,000 on each card. I miss a payment on one of the cards due to my daughter in law and her husband was killed in a car accident, and things were building up on me mentally. I get 2 letters from the bank that they are lowering the credit limits one to 850.00 and that card happen to be at 7% interest. The other they lowered it to 4,000 which happen to be at 20%. I wonder why? It cause my credit to dive, due to lower credit limit. At the time we needed credit due to expenses, they close the door. Not sure what we are going to do, but thought somebody else might be able to watch out for a better bank. Thank you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fcea3446887e40df90964ca51ad54665
encoding: FLOAT32
metadata:
{"chroma:document": "For the first time ever I tried banking with CITI Bank online. I transferred a large sum of money to account. Then they froze my account. I have made 11 calls in last 5 day to either their customer service or fraud department. They froze my external bank transfers and won't allow me to withdraw the money I deposited. This is seriously affecting my ability to pay bills and/or transfer money. They seem totally incapable of solving the problem. They use foreigner in their customer service. I have no problem with that but trying to communicate with them is very difficult because they are not fluent in English and cannot fully comprehend the nuances of issues. So now I cannot access my money or transfer it. And, there are NO Citi banks in the state of Texas to go to to close account and get my money. I booked a flight today to fly to Florida so I can close the account. Don't do business with this bank. The hassles are not worth it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ae3210dc3d044554819f1a7f89ce7565
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metadata:
{"chroma:document": "In June 21019 I set up a Citi Accelerate Savings Account to obtain a higher interest rate. At the end of July Citibank closed the account stating I had not completed paperwork and my funds would be returned within ten (10) business days. (The only paperwork ever received were letters opening and closing the account). Nearly two months later the funds have not been returned, are not accessible to me, and are not earning interest. Calls to the main number are inevitably transferred and I am given different misinformation as to the status of my funds. I am never given a direct number to call. Most recently I was asked to provide a current utility bill with my address on it and I have complied. I am still awaiting the return of my savings."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c414b14d9733453baf10ca07ae3f2dfb
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metadata:
{"chroma:document": "Citibank was cool for a good 3 years then they lost it! I randomly had all of my accounts frozen for a few weeks without explanation. Every time I called I had to go through 20 questions to their from my account. Then, the number of times that I kept saying my name got to the point where they would actually say my name incorrectly when repeating it back. Then they blocked all access to my account saying that somebody was calling alleging that they were the owner of my account but it wasn't the correct name. But of course. It was me. They just weren't letting me access my own accounts."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 35ce0ab505904920935f6bdf07fbb74c
encoding: FLOAT32
metadata:
{"chroma:document": "I disputed the transaction which I did not use. But they said, somebody physically showed up and used it so I need to pay for it. I\u2019m not even sure what they investigated. They did not even check the receipts or cctv. They even notified it to me 30days later so Merchants could not even provide me the receipts since they keep it for 30days. I think Citi bank purposely did that so that I cant prove the truth. It seems to me they did nothing and no willingness to help customers. They even pushed me as a liar that I used card and I disputed. Very low quality company!!!! I have decided to file it to police dept. Everyone, please do not trust citi bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d71a4df8232f4fcba83a2709ee883b8a
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{"chroma:document": "DO NOT BELIEVE that you will get an email \"ALERT\" 5 days before late fee and interest charges occur. Spoke with CSR and could not get fee waived. Have been a Citi customer for many years, without a single late payment. That is gratitude for you! Missing an email statement was costly. I am now back on the USPS service with paper statements and will drastically reduce my usage of the Citi card. To me, it is nothing more than a FEE GENERATOR for Citi."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fe7f219a27ed4b9384033b86476ec145
encoding: FLOAT32
metadata:
{"chroma:document": "Banked with this nightmarish bank for like a decade and they cannot provide bank statements either online or via email. I closed my account recently due to relocation outside US. When I asked for my bank statements to be emailed to my registered email they were not able to send me the copies of my statements. This went for 3-4 months. At last I gave up and asked them mail me the statements to my registered US address, they first told me they have serviced the request and statements were on the way. After a couple of weeks, when I called they said that the request was never serviced and that for the request to be processed I have to pay a service fee. I was willing to pay the service fee but then they told me that I have to pay it in a branch. I have relocated to Europe and Citibank branch here. It's a nightmare dealing with this bank. Worst bank ever to do business with."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2259a56f8663473b8d374e810d179b64
encoding: FLOAT32
metadata:
{"chroma:document": "Forty years banking here I get a flurry of emails announcing they have sent a new credit card to bump me up as a loyal customer for a benefit of concierge services I didn't ask for. Email states I should have card but I explain in call to customer service I didn't get it. Did get a Citi statement indicating my card number was changed: but to what? Statement doesn't say. However, CS says she can't tell me if the new card was or was not sent or what the new account number will be. (Puts me on hold, then): Oh, cards won't be sent out until mid September. Two weeks pass, today email reminding me to activate this alleged new card, I call CS again, no honesty there. Furious and disappointed and worried over identity theft due to the careless way they rolled out this new so called benefit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: be903352b0ae411ab176f431aa32f214
encoding: FLOAT32
metadata:
{"chroma:document": "I had 2 cards with them and tried to apply a credit from one as a payment to the other. Long story short, 2 months later and being reported to my credit report they had it all screwed up and blamed it on me! Actually lied to me and said they were refunding my money to my checking account and took all my info but later said oh no that was denied. AFTER they had me pay MORE money. BAD CUSTOMER SERVICE."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6b8aea2ec920462797269d0eb5e63096
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{"chroma:document": "Last year I opened a Premium Select Advantage card with Citi bank. In July I rec'd a statement with an annual fee of $99. Since I was not using the card I called to close the account. The rep suggested changing to their Advantage Mile Up card so I could still get airline points and there would not be an annual fee. So I agreed. This was on August 2nd. A few days later before I had even rec'd the card for this new account I got an email requesting payment be made. The new account showed a balance of $99 that was transferred from my previous card. I called on August 6th and spoke with another rep that told me the fee was being processed/reversed and would show as a credit on my next statement. So then on September 6th I rec'd another email saying I had a payment past due. The $99 fee still had not be credited to this new account. In fact when I log into Citi Bank it shows I have two card with an outstanding balance due of $198!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 27345541ea1f493aa6e179d1e8737c44
encoding: FLOAT32
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{"chroma:document": "I was unable to access my account information on the mobile app or full site online. I called several times with no help. I made one last attempt to figure out what was going on as I was shocked. No one returned calls or attempted in any way to contact me with any potential issues. I finally reached someone and they simply stated the Bank can close accounts any time they wish. I used to respect Citibank but with behavior like this I have reason to claim their unethical business behavior must be in some way based on bias. I still have received no correspondence or anything indicating account closure. This is just plain sad business practice and from such a large institution. If anyone deals with this Bank, I wish you luck. I will be taking my business to an institution that is customer friendly and will treat me with respect and equality and without prejudice."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8859797b116b4b77901c6bf53e4ce7fb
encoding: FLOAT32
metadata:
{"chroma:document": "I set up one of Citi's high interest savings accounts back in April. I was immediately told the account was not open. Oh well, I moved on. In July I get a statement that the account is overdrawn due to lingering service fees. Wow, did not know I had an account! So I gave them a call. Since they waived the fees and the interest rate was still high, I decided to keep the account. BAD, BAD Move!!!! Within the month, I already deposited $10K. When I tried to move money to cover an account, I got an error. After weeks of being told it was a technical issue, I was finally told my account has been restricted because they could not validate the address I provided back in April."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a3cbde535a3a49dda17f006144140ce5
encoding: FLOAT32
metadata:
{"chroma:document": "Hours caught in their automated phone system trying to get to an actual person to talk to. From there it was getting transferred around until getting hung-up on. Still haven't been able to resolve any issues with them. There's no longer a way to even send them an email."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e6e308495ecd416f88d00e8a1a33d416
encoding: FLOAT32
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{"chroma:document": "Worst bank ever. Broke promise to give promotion bonus. Holding my checks for no reason - causing me loss of fees on returned checks and they don't bother to notify you. Never bank with Citi. They are not bank. They are robber with incompetent staff. Worst bank ever in the whole entire universe."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2baaf90f77df4864902f9a0aff8fa60d
encoding: FLOAT32
metadata:
{"chroma:document": "If you want a excellent way to contact CitiBank Support; with a real person, fast response and a excellent support agent, (forget using their mobile app). Text Citibank through Messenger. You'll be surprised by their effort to help you resolve your issue!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b28c21a6f5354c23ac786396908fc5b2
encoding: FLOAT32
metadata:
{"chroma:document": "Citibank KYC Department is an absolute scam- not in the traditional sense whereby a 3rd party purports to be Citibank but in the sense that the actual Citibank KYC Department is filled with bullies who understand very little and spew lies regarding your safety and how they have your best interest in mind. The questions they ask and the documents they insist on collecting is nothing more than an attempt by the 3rd largest bank in our country attempting to compile a dossier on every single banking client they have. They will come at you without regard for your time, your concerns, and most importantly your privacy. Sometimes they will come at you more than once in a 12 month time period, they are relentless, they are nasty, they are rude."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c4d577ae2cd34066b87142e6cb5f7cd5
encoding: FLOAT32
metadata:
{"chroma:document": "This review is related to my recent interactions with Citibank on multiple occasions."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ebfb4aed7685454e9ca85b8dbcd51302
encoding: FLOAT32
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{"chroma:document": "Saw the 2.36% interest rate online with no fees if $450 kept as balance so verified rate and terms with associate by phone before applying. Went online to complete opening of account. Got signature cards in mail but no verification of terms. Called Citi and it took very long time to get through to someone who didn't speak English very well and was told it was 2.16% interest with $1500 balance required to waive fees. He couldn't close account because transfer money not yet available. Called today, and closed account. Person I spoke to didn't care why I was closing it or that it took 15 minutes to get through today. She said she'll bring it to her supervisor's attention. Of course she will and then they'll fix all problems and no one will have to go thru all this crap again, right!!??"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f12f50fac5f6417cb2047cccca28365e
encoding: FLOAT32
metadata:
{"chroma:document": "I made a huge deposit in order to become a \"premium\" Citi customer. If not being able to reach a real human, get any real help, or have any questions answered is the Citi way, then please go for this bank and account. Service is horrible, attitudes are worse, and employees give no indication that they want to help or understand your frustrations."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 08149b10397d4364b8f635ba0c230961
encoding: FLOAT32
metadata:
{"chroma:document": "This was the single most horrible experience I have ever had with a bank. Customer service is HORRIBLE, and the right hand doesn't know what the left had is doing. Spent hours on hold and got no answers. In short, I opened a savings and checking account, because of the promotional they were offering. They kept asking for a signature card, driver's license, etc; I provided all of that, was approved, opened the accounts online and funded them; then today I go online to check the interest that was to be applied because it was the first of the month, and both accounts had been closed; I tried to chat with someone on there, they couldn't help, then I called and the nightmare got worse; over 2 hours on hold and never got help. They are inept, and they are horrible. Do yourself a favor and avoid them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0fe906e185484c0687fd86a3d9c3b8e8
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for a credit card (Home Depot) through a nice (but young and inexperienced) young lady who was trying to help me get a better price on a caged work light I was going to put in my attic. She was nervous, and made a few mistakes on the app that she started at her computer station out in the store. (I had similar data entry issues at customer service later, but that wasn't because of the earlier errors, just annoying and part of a cascading series of errors on the employee's parts.) "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 730de2c676b74c4189b6b031c821dd99
encoding: FLOAT32
metadata:
{"chroma:document": "Horrible GARBAGE COMPANY! It is hard to get a person on the phone and then once you do it is the foreigners probably in Asia or India. They can't speak English and it is impossible to understand them. They keep saying hold on and and transferring me. They wasted about an hour of my minutes on my phone and I still didn't get service. I asked them for a card that doesn't broadcast my number wirelessly for the thieves to steal and they all played dumb or didn't know. I said American Express and Discover offer them without it. They said they were going to call back and never did. The first time I called they pretended to not be able to hear me. This company is way below the basic standard of service. I guess I will give up and cut it up. They are a total waste of my time and impossible to deal with!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cbebe5f27550421e8d8654559a4baf41
encoding: FLOAT32
metadata:
{"chroma:document": "I made a monthly payment to Home Depot who uses Citibank for financing. They received the payment 2 days before it was due. They deposited the check from Chase bank with my account number all over it. They sent me a statement showing that I missed a payment and added a $26 late fee. I faxed them a copy of the payment and haven't heard back yet. They deposited the money into someone else's account or pocket. I now am missing $150 payment plus $26 fees and my credit now shows that I missed a payment. Citibank is bad news. Incompetence is overflowing. Customer support can't do anything to contact the department that handles payments. I have 3 accounts with Home Depot. We've purchased around $10k at Home Depot. I now will have to pay all 3 accounts off to a Chase 0% card. I can't trust Citibank again. Buyer Beware."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f9073f23ab144032a94b51d4b5d47b9c
encoding: FLOAT32
metadata:
{"chroma:document": "The application process requires a physical address. My town has only PO Box delivery. An hour on the phone netting varying answers and explanations claiming they will not deliver to a PO Box, then backing off and saying I would have to reapply to verify that PO Box, though admitting that was not possible since the app requires a physical address. Are these people lobotomized when hired?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f569a0c30cfc4e62894d97228d440595
encoding: FLOAT32
metadata:
{"chroma:document": "Updated on 09/11/201: I opened a savings acct online in August 2019. The acct was open and active and I funded it with $--,000. I went to check on it a few days later and found it had been closed, with no notice to me. I called Citibank and stayed on the phone with them for hours before I was finally informed that the acct was closed because I used my mailing address (a mailbox at UPS) for my address instead of my physical address. I was told I would need to open a new acct with my physical address. After spending hours on the phone with different reps, I finally gave up and did it online myself. I sent in a photo of my license and a copy of my utility bill to prove my physical address (even though my driver's license does not have my physical address on it, they demanded it anyway). The acct was opened and I called to transfer the $--,000 they were holding into the acct. Only then was I told that they had to hold it for 10 days for some reason."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2c1cdb921fe84ac198b1680010a1d4f0
encoding: FLOAT32
metadata:
{"chroma:document": "The products offered were very good but the customer support needed to get the accounts set up were lacking to say the least. After a lengthy series of set up questions over the phone, they were going to mail me a paperwork packet to fill out. They never mailed the packet...."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6d2ef3358351430395378ad313d3efe5
encoding: FLOAT32
metadata:
{"chroma:document": "Very bad service on thankyou points. I have opened checking account from their offer that I received 3 times, with few activities to perform for bonus Thankyou points, did everything needed and verified with Citi customer service, and they are not sure when can I receive my bonus thankyou points, they keep saying 30, 60, 90 days from activity completion. It's close to 6 months now and I didn't receive thank you points nor any piece of answer to this offer. Never had this experience with any other bank. Every time I call they say, \"We will check and call back in 24hrs,\" but they never do. Poor service and if there is a chance to rate \"-\"* I would do that."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f5c72fc9fec44ce2b2f4493410646952
encoding: FLOAT32
metadata:
{"chroma:document": "As soon as I received my card, I went online to set up my online account. Their online system must have been glitching, because I input my information correctly and it was telling me that my information did not match their records. I called customer service to get help setting up my online account. They were able to send me a text message, verify my identity, and help me set up my online account. Immediately, a fraud alert was put on my account and my card was locked down. I called customer service about the alert and they were now unable to send me a text message to verify my identity, which I do not understand, because they had just sent me one in order to help me set up my online account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 935e9eff966e452aa665e4115a83bf22
encoding: FLOAT32
metadata:
{"chroma:document": "So I got an offer for 2.36% to open a Citi savings account. I have enjoyed my Citi credit card so I figured sure, I'll go for it. BIG MISTAKE!!! What a horrible experience. Citi makes it very very easy to transfer money into Citi and about impossible to Transfer money out of Citi. I was told I had to pay for a wire transfer of money to go out. There was no other way to transfer money out."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 77989ab63c9c410e836fb88f6a36c505
encoding: FLOAT32
metadata:
{"chroma:document": "Citibank delayed processing of payments for credit cards, car loans, mortgages or checking account to cover checks resulting in higher interest rates or fees for insufficient funds. Citibank has been allowing payments delayed by IT problems or other issues to go unresolved, resulting in interest rates to be improperly raised or numerous fees due to insufficient funds. If there is enough interest will consider filling a class action lawsuit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 05d5616999dd49afb7a719449490374c
encoding: FLOAT32
metadata:
{"chroma:document": "I called 8/8 due to fraud charges identified. The agent cancels my card and gets me a new one. On recording I confirm multiple times ALL CHARGES ON 8/8 are fraud. The agent went over the transactions with me. She didn\u2019t report them all. Now here I am 8/17 I have the transactions still on my account and have been charged interest on things I didn\u2019t buy. Now I have to wait an addition 5-7 business days for them to refund my money when things should have been done properly in the first place. I am so dissatisfied and disappointed. I wonder how many people are defrauded that don\u2019t double check they got their money back?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2e8faeaf4ad242cf8af62104275c0d69
encoding: FLOAT32
metadata:
{"chroma:document": "I wanted to open a high yield savings account. Citibank's accelerated savings account kept coming up as a result in my Google searches and in articles, so I tried starting one. First, the online application didn't work simply because of something as stupid as a letter limit to some of your personal information. I was typing inaccurate information, but their website was so poorly designed it did not account for the possibility of cultural differences in name lengths. When I called for help, it would take a couple WEEKS to get it set up unless I did it online. So I tried again online, made up a password other than the prompt it asked for since it wouldn't allow me to type in the full correct answer, and then it wouldn't allow me to link my bank account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f0ac5f717d494786a286020e122a1d88
encoding: FLOAT32
metadata:
{"chroma:document": "Signed up for an account because of a great promotion. It took over two hours on the phone due to the agent typing slowly and not knowing basic answers. They got all my transfer information on day 1, but did not mail me the necessary signature page until a month had gone by despite multiple phone calls. I returned it on the same day, and was assured that my account was eligible for the promotion. Fast-forward 6 months. They say I am ineligible because they didn't transfer the money until the 32nd day of the account being open (30 day window). I called several times in the interim to verify that the account was on track and eligible. I appealed and was refused. Deceptive tactics. Closed the account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 62cb65cc95da44aebf284afb6f1bfa09
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an account and transferred a large sum of money to open the account. Once the funds left my bank I received a voicemail from CITI fraud department. I have tried calling back 6-7 times and get put on hold and NOBODY can tell me where my money is. I am told the \"back office\" will call me. You have to go through 3-4 minutes of being put on hold every time you call and the people you talk to know NOTHING!!!! I don't see how this bank can operate this way! No wonder they offer higher interest rates. They have to get people lured in somehow. Can't wait to close this account and find another option!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c2394642b9ff476da64986b4d5472261
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an account with Citibank in April of 2019 online. Everything went fine until June 19th, 2019 (almost 3 months post the opening of my account). I was attending to use my card on Google Pay when it asked me to verify my phone number, but I'd gotten a new one at that point. So I was prompted to call Citibank to verify my phone number. After speaking with a representative at Citibank, I was informed that my account had been blocked. I asked \"why\" and they said because fraud was detected. I was asked a series of security questions, in which I answered and then I was informed that the account was released, or back in good standing. After getting off the phone, I tried to use my card and it wasn't working."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 20ac6c36d3bd4900bd0afacf524b155d
encoding: FLOAT32
metadata:
{"chroma:document": "For the past two months, every, every weekend, my touch feature on my iPhone locks me out of my Citibank App. I have to go through many steps to unlock it, change my password again and again. I have been with this pathetic bank since 2005. The customer service people are always in the Philippines. They don't comprehend a word you say. I get transferred to a US supervisor and lies, BS, are given. I then get transferred to the Philippines again with an online tech who again needs to make his brownie points, doesn't understand a word I'm saying. I AM SICK OF THIS BANK, IT's PATHETIC. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d87dfabb290f4c24b53343e20ac69f24
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a Citibank customer for only 5 months. Below is the issues with them: SSN number requirement for additional authorized credit card user. Rejection of secured credit card for $500 while much much more was on deposit. Every time I tried to login my online account I am being asked for date of birth, SSN, bank account number, debit card number or debit card pin. (Are you crazy!?)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dfdedfc11d2d48dfa87be332d9bfe4c0
encoding: FLOAT32
metadata:
{"chroma:document": "Well I deposit my check good size amount and the next day I had funds available. Didn't touch it. I had negative balance. Before I deposited the check I noticed they didn't take out yet so they lock my account, took their money. Still have my money about 1200 dollars. Ask them why did they do that. They needed to conduct conversation so I allow them to. For about 2 months already I still get alerts. It's their call. They won't let me back in or close the account so Citibank refuse yet you take what your own and I lock it my account. I demand my money. I have started a petition."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 79141e1c02cc4cbf900db72c1560387f
encoding: FLOAT32
metadata:
{"chroma:document": "There was a $2,000 draw made on my debit card with another bank which only show up as authorized on 7/31 Citibank NA/Citibank. I want to discuss this with someone in the Fraud Department at Citibank. I cannot get past any of the recorded and electronic receivers. That is ABSURD!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0d72719a3329456cb9bb1acb5618f3d6
encoding: FLOAT32
metadata:
{"chroma:document": "I am pre-closing my personal loan. To get the details I called to customer care. That guy is worst fellow, he is too harsh, didn't give enough details also. ** Bank, ** Service. I will not do any operations with Citibank going forward."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ab794fdf9c0141fe8ce321545a3b9829
encoding: FLOAT32
metadata:
{"chroma:document": "I have been banking at Citibank for over 20 years. They changed names a few times but I always stay with them. Their customer service is also good. They always help me if I have a problem, most times they can handle it through the phone. I have been very happy with Citibank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c9c1c5d3be6b4f309f18ca45ed823906
encoding: FLOAT32
metadata:
{"chroma:document": "If I give 0 stars I would. This bank is a joke. They want to double charge you, the post the payment and the next day it\u2019s pending. The managers are just as stupid as the customer representatives, I\u2019m looking to file not just a complaint, but an investigation of Citibank practices. I hate this bank... They will never get another penny from me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f9316c334ee4604b73bfeda98b03e1b
encoding: FLOAT32
metadata:
{"chroma:document": "Unethical financial policies. Avoid any sort of fixed payment options, because if you want to pay out early you still have to pay a minimum period of interest. Utterly disgusting. Their interest rates are ridiculously high. If you get into financial trouble, you\u2019re trapped in an endless interest paying loop with no reduction of principal and can\u2019t get out. They WANT you to get into financial trouble. They make money out of you being in financial trouble and they worsen your status than when you get in. I\u2019ve bled so much money through these disgusting thieves. Never again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2b39bdfff3de4dcc8f84e427dc46517f
encoding: FLOAT32
metadata:
{"chroma:document": "I just opened new Citibank account. They send me the card in the mail and then they decided to closed the account 6 days later after they shipped me the card. I have three Citibank card that I hadn't even had a chance to use yet. Citibank is the worst company to bank with. They even give you a chance to get your account up and run before they closed it. I'm so annoyed with Citibank right now. They can't even help you with your account problem. The excuses they come up with is bunch bs. They need to be investigated and sued for how they closing people accounts for no reason at all."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1ddd763582e84c56bec5135bcc3dec78
encoding: FLOAT32
metadata:
{"chroma:document": "Terrible call center. 1. Noisy background noise. 2. Cannot transfer to a USA rep. 3. Cannot fix problem without being placed on hold. 4. Cannot understand call center person. 5. Cannot get statements mailed to house."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cd998c13a6104086af7aecc7e4913a01
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a Citibank customer for 28 years. Don't always use their card because there are better cash back offers but I kept it open just in case of a unforeseen bill or medical emergency. Got letter today account is cancelled but I just used it a month prior at a restaurant. Called them and said there was nothing they can do but I can re-apply. Yah ruin my credit twice. Once for a account close and once for hard inquiry. ** them. They should read their own motto."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d3a0f09cb9aa4e87a3c38882ae41adf9
encoding: FLOAT32
metadata:
{"chroma:document": "This is what happened with me... Citibank mobile app and their online banking are horrendous. They never show you the correct amount and then all of a sudden you see is overdraft. This happened with me more than 3 different occasions. It showed me in my app I have certain amount which is completely wrong and let me use the debit card for past 2 business days and all of a sudden when you deposit money you see overdraft??? How is this right? Why my debit didn\u2019t decline all these times? Why the amount in my bank mobile app constantly gets updated when I use but not actually telling me the true amount and see Overdraft all of a sudden?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c012c17619cb4e94a130b11f41fd7f66
encoding: FLOAT32
metadata:
{"chroma:document": "Customer service is completely lacking. They didn\u2019t inform me that a credit card account was going to be closed due to inactivity, and wouldn\u2019t reopen it when I requested. It was in good standing, but had a great interest rate, so they didn\u2019t want me to have it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 63a61d27cd824d3da3f81dae6ab4d151
encoding: FLOAT32
metadata:
{"chroma:document": "I told them to take money out of a certain account I had linked to them through their Best Buy Visa card. They proceeded to go and take money out of both my accounts for the same amount when I was informed by the consultant they would only take out one. Caused overdraft fees and their manager and associates basically told me to get lost by trying to fax a claim to their fax machine, which they said the answer will most certainly be no. Can't wait to end card after my payments are finished soon."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 563c38c37e3d48679f6cc209623ee268
encoding: FLOAT32
metadata:
{"chroma:document": "Hi. My self Jaspreet **. I have account with you from last 4.5 years with. Very nicely used but from last 2 weeks I have worse bad experience with Citibank. Here is problems below... if you can fix in 1 day is good otherwise I never use Citibank. I deposit 2 checks which I forget to write name on front but I write my name and account number on back side. We are human. Sometimes we did mistake. I forgot to write name. But due to this mistake you blocked my account and I didn't used for anything and no one call me or text regarding this and I have money in my account but I can't pay to anyone and everyone call me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 30be078689094098966034fdbaa13aad
encoding: FLOAT32
metadata:
{"chroma:document": "Opened an online bank account with Citibank, N.A. Received a debit card, checks, made a deposit of at least 10,000.00 (multiple deposits). When I called Citibank, N.A., the automated system indicated that they could not find a checking account associated with my debit card. I called the 800 number today, was asked why I had not been using the debit card which I had less than 14 days, then was advised that the Security Department placed a \"hold\", \"freeze\" or \"block\" on my checking account. Why in the ** would you open the account, send me a debit card, checks, then \"hold\", \"freeze\" or \"block\" the customer's account without informing the customer? So, in essence, I have a debit card, checks, over 10,000.00 in deposits that I cannot access due to someone in the \"security department\". If I didn't pass the qualification process, then why send me a \"debit card\", \"check\" and establish a checking account?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 92c80812efdd44baa5cf928697d617ba
encoding: FLOAT32
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{"chroma:document": "This bank blocked and flagged my account for one returned check that wasn\u2019t even over $100!!! There are no branches here in Texas anymore so I have no way to access my paycheck which went direct deposit to pay my bills. Was told I will have to wait 30-60 days for a check! Please avoid this bank. I also found out they have had major lawsuits over the past few years, wish I would have done my research before I chose this bs bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I had used Citi as a credit card company for 10 years before deciding to open a bank account and I had never had an issue. I thought that opening a savings account would be a good way to save money by taking advantage of their high yield savings. Fast forward to 4 months after opening the account and the nightmare began. I called about transferring some funds and was told that I needed to submit a signature card. I then called another department about submitting a signature card and was told that I need to visit a bank branch. I was then told that my account had been locked since it was opened. I was never told that the account was locked, there was no record of me being informed and yet the bank was happy to let me continue to deposit money into the account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b1648d193d11452d89bca49d3bf89605
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{"chroma:document": "After 3 time document verification using Aadhaar card, PAN card, Salary account details, etc. Got Spelling mistake in my card. Emailed to got no response. This is the bank where customer suffers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "My husband with dementia was scammed into purchasing $2500 worth of Walmart gift cards using our Citi credit cards by a caller that was supposedly Apple ID Security. I immediately contacted Citi customer service to stop the charges and filed a police report. Citi could not or would not help me. I escalated to their executive offices and their representative refused to credit our account. They didn't flag the purchases for fraud at time of purchase. Citi doesn't care about customer goodwill or elder abuse."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "We are from Coimbatore, South India and have been using Citibank credit card since the past 14 years. We used to get our statements and other correspondences regularly to our home address. Recently we understood that our cards are not regularized for want of KYC documents. Though we submitted the same twice over courier and also a copy over mail, they never acknowledged receipt. Overall we have made almost 20 calls over a period of 3 months and the customer care were just making fool of us by giving us false promises. Surprisingly the address also did not match was one of their points when we receive all correspondences regularly. It ended up humiliating as one fine day after three months we got a letter that the card is not valid as the KYC documents were not received."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d0403b7b1aeb42079d2d253f1e417f2c
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{"chroma:document": "Called about a broken ATM. Over 6 days they could not even find the ATM 6000 N Broadway useless Chicago IL. Had to use another ATM that charges 3.00. Sad part they could not help me report the 6 day ATM not working. At 6000 N Broadway in Chicago IL. Citibank you're useless."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f0260d24094d481b8479bcffe691e0f7
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{"chroma:document": "I called Citibank to dispute a charge on my account, the representative rudely hung up the phone while I was disputing the charge. When I called back the representative tried to rush through the process without a solution. I told her that I will discontinue my business with Citibank because I do have another Financial center that I bank with and she just said okay, so I will be cancelling my account with Citibank. Customer representatives needs intense training how to address customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 71c9cd4effa649a6bcd0a7baacecdb3f
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{"chroma:document": "My husband opened up an online checking and savings account. He figured at some point in the process it would let him add his wife to the account. That never happened. It has literally taken months to add my name to the account, numerous phone calls, mounds of paperwork (many times duplicating what was already filled out) getting it notarized and it still has not been taken care of the way we want it done. It is terribly frustrating and I am so done with Citibank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 35d315568ec247c7a01f264ed6e520da
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{"chroma:document": "The agents doesn't know what they are doing and wouldn't care if you got scammed for $1500. They are Asians and shame on them for not knowing how to help a customer. They never gave my money back and closed my account and not letting me know. Never going back."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dff96321519e44d385e6e34325791d92
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{"chroma:document": "I was already a Citibank account holder in Australia when I moved to US. I started a new checking account here in US which was so lengthy and lots of documentation process. Finally opened the checking account in March 2019 and I want to save up some money so I applied for a Accelerated savings account and so ridiculous I have been asked to submit the same documents that I submitted for opening checking account and the process is so so long. Submitted my application in May and till now I have not been able to open the account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 69c80c97b0284ba7878dd34e96ee8339
encoding: FLOAT32
metadata:
{"chroma:document": "I opened the account and verified their minor deposits/withdrawal from my external account on 6/27. Following multiple calls and discussions with dreadful computer and with new account representatives and 2 different supervisors (I was then disconnected with no call back when I requested yet another supervisor) - I finally went online and closed my account through online chat. Although they kept telling me the fund transfer to open the account was pending - they could not seem to process it. They said to try the whole process over (another 5-10 business days!)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 918a5aa4236b41798c1867bb6148f62d
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{"chroma:document": "My husband and I wanted to buy a house and take out a loan along with it. Now usually that takes a long time however Doreen sped the whole process up. She walked us through every step, was patient with all of our questions, and got everything done in a timely manner. When she found out we were having some problems on other ends of this whole process, she helped with the other departments to get everything done on time. Thanks to her and her dedication, we are now moved into the new house with everything in place on the financial side."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 07a958ad7fef445d89a1d32e66d1e7cc
encoding: FLOAT32
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{"chroma:document": "Opened an Accelerated Savings account online to help save for an upcoming vacation trip, funneled over $1300 into it via electronic transfers from my credit union. Within a month I got a letter in the mail saying my account was being closed due to non-verification of something... this was news to me as I had not received any communication regarding any paperwork they may have needed. I call immediately and was told it was too late and the closure was already initiated. I was told a refund check would be sent to me for the balance that was in my account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e71e91c192164b83936844de05fe5f51
encoding: FLOAT32
metadata:
{"chroma:document": "Hi, when I saw my statement your bank people some interest mention and debited money from my credit card without my knowledge. After I called to customer care, your people saying, \"Wrongly detected, we will reverse that amount.\" Without my knowledge how your people detect my money. I am feeling bad about your bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e559744018f34d97983eba0903303a84
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{"chroma:document": "After a Citicard transaction using my AAdvantage card with American Airlines I started getting charges from Spain. Citi detected this and investigated. They found the charges fake and reversed most, but they didn't turn off the card so more charges came. Upon calling about these new charges I was transferred from Customer Service with Tabitha to Fraud with agent Cherry, to Investigations with Jack, and then back to Customer Service with Crystal. In the end after 1.5 hours rehashing everything with each department, nobody was able to do anything. Ended up paying the charges and forcing them to cancel the card which they said they would do when the fraud started. Beware of Citicards as they don't seem to operate very well anymore and the American Airlines hookup seems to have people working there that may be selling your info to crooks. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e61382271ffc4afbbf4abddf93de9aab
encoding: FLOAT32
metadata:
{"chroma:document": "I live out in the country where US Postal Service is not very reliable plus I travel for my job. The very first paper statement did not arrive and I paid my bill complete from the second paper statement. Of course they late fee'd my account. The crux of my sob story is after receiving 2 additional late fees for not paying the original late fee, they refused to help since I signed up for electronic mailing when I realized the first statement no showed. How messed up is that? So I paid my account late fees and closed my credit account. Moral of the story, be very careful with whom you do your banking business with as there is a good reason Citibank has paid more in government fines than any other US bank...unethical culture. Good luck and I hope your experience was better than mine."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b0f3e4ba29b14b098d7e4ecc339c49f6
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{"chroma:document": "Sears Mastercard was used to pay for a Sears service carpet cleaning. The contract time elapsed and the service was paid. There was a questionable 1 month time period that had to be settled with Sears Warranty only per Citibank. \"OK\", it was settled, confirmation given by Sears Warranty. Zero balance was stated. Next month a $50.00 Citibank service fee was charged. Following month with more charges and an excuse by the Citibank did not get the money from Sears so Citibank asked me to pay the same bill again to them. How silly. Sears is their customer not me in this matter. Citibank just decided to try to collect from me instead of Sears as if they are entitled to do so. I filed a big complaint with the Fed Reserve consumer division to resolve this matter with damages for wrongful and unethical services. Be very careful with Citibank, I was given very bad service, false information and a lot of aggravation. Ronald **"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 62aee79231bb4a1db60e8bbff04b740c
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{"chroma:document": "Citibank are thieves and are currently in the process of stealing millions of dollars from unsuspecting customers. If you open an account with Citibank within a few months of having the account opened you will discover that your account is frozen. They call this a block. Your debit card will no longer work and you will not have any access to any of your money that is in the bank ever again! They gave me no valid reason and said that the account will be closed within 30 days and all funds will be mailed to me. I have made numerous phone calls to different departments. They stole the balance that was in my account and claimed that they cannot locate it. They also stole pending refunds that were refunded to the debit card associated with the account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 57578554067e4bd68a1b6a41687911ca
encoding: FLOAT32
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{"chroma:document": "Citigroup Inc. is their company name. They RUN Macy's Credit Card Department for Macy's. They are foreigners. They repeat what you say and sounds like English and do not get it. They charged our Macy's card wrong by $1856 on May 18 and said today that they would fix it in 1-2 billing cycles. Sincerely, Noli **. Macy's Credit Customer Service. www.macys.com. Noli is not an American name. Noli does not work at Macy's.com. Her company is NOT Citicorp.com. She admits the charge of $1856 was billed incorrectly on May 18 and wants me to believe that she will fix it on September 12 five months after Macy's billed it wrongly to our account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d227eeaad2904557b8b38192a484d083
encoding: FLOAT32
metadata:
{"chroma:document": "I recently acquired a personal loan to consolidate all debt to improve my credit rating after a divorce. All accounts except for two Citi retail credit cards were dealt with in a professional manner. I waited 3 weeks to contact the bank that issued payment for a Shell gas card and a Best Buy Citi cards, after communicating with both cards who claimed to have received no payment."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 62791ef517334f9fbe16da64b8a0eeff
encoding: FLOAT32
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{"chroma:document": "When I open my Citibank account 11 years ago account holders had real time information on all transactions. Now there's a 10 to 18 hour lag for updated information. No one knows what information the system is holding for this time period not even the supervisors. It's always \"We're waiting for the system to update\" or my favored \"I don't see any check transaction for that amount\". I had an electronic check come in that overdrew the account. Didn't know about it until 15 hours later. I made a deposit still not knowing anything about this check. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e25b5fc62b98456095a4de01b54052c4
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{"chroma:document": "I was approved for a secured acct on 6/10. $500 was taken from my acct within 24 hrs! I called on the 17th to see if I could get either my card # or my card expedited to me & was told no. On the 20th my card was sent. The automated sys said expected delivery 6/27. I was told give it a few more days, on the 29th I was told I should have it by the 2nd, on the 2nd I was told the 3rd, on the 3rd I was told the 5th. On the 5th I requested supervisor who said it had only been 14 days & I needed to give it time, OR, she could cancel it & start the waiting clock again for a replacement (with still no expedite option!) Or I could write to corporate!? "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 92563128379546b1bb6b4cfbb2aba95f
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{"chroma:document": "I made an ATM deposit today after cashing my check at a non Citi affiliated store. I place the money into the receiver only to get a printout saying that my money was unable to be returned. I deposited all my money thinking I would be able to get 20s for the 100s I put in. Instead there also on the printout it stated I would have to call for further assistance. I check my acct to see if the money was deposited but nothing at all. So I call the number to Citibank on the ticket and they proceed to tell me they have to file a claim."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 158aed2ed0494b42a38dd39cfbd67810
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{"chroma:document": "About a year ago, a few dollars were under in my regular checking account and money was taken from my checking plus account to cover it. $100 was taken to cover something like $5 - which is ridiculous. I did NOT receive ANY notification about this. No one ever explained to me what this checking plus account was when it was opened. Honestly, I'm not even sure why I opened it, I was sold something that I didn't even need since I always pay one time and my credit score is above 800."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 888306eb1bf44453994d0f55539395e0
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{"chroma:document": "I did not think it was possible for a bank to ruin my credit and reputation in one day, but Citibank has accomplished this. I received a letter dated June 18, 2019 threatening to close my account unless a provided certain information. As soon as received the letter on June 20, 2018 I called Citibank and gave the information. The person I gave the information to was named Arame, employee number **. I was told that I gave all the information requested and everything was fine."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "As of today July 3, 2019 I will be closing my account and no longer be with Citibank. Their customer service sucks and representatives are so rude. In the last week I\u2019ve been on the phone with them because they keep blocking my card for stupid reasons. When I first opened my account I told them to put overdraft protection. Did they listen? NO - my account had been over drawn a few times because of a simple mistake that should have been prevented by listening to their customer. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 61ffb7ea8652458cbb4e175a4ebf3137
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{"chroma:document": "I am a Citi customer of 43 years with a historical credit score over 800. I recently received a generic letter closing my account because I hadn't used it in 24 months. 2 separate calls to customer service resulted in nothing being changed or reopened....because they said I needed to authorize a credit check to reopen an account. They do soft credit checks routinely, as do all banks, so I would not authorize it. They KNEW of my actual credit score beforehand anyway. In all my years of being a customer, have I ever been treated so unprofessionally and with a cavalier attitude. They should be ASHAMED of their policies and treatment....NEVER EVER again will I deal with them or any of their affiliates."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I recently opened a account online. I deposited a check from a settlement from my attorney. It was a Citibank check and they knew I had just opened the account and was told the next business day it would be in my account. Needless to say it was deposited in my account after hours that morning arguing with them and being hung up on. Now I go to the branch and I'm told there is a block. I get them to give me some money but it's still not enough do yo. I had been behind on bills since my accident was only 4 months ago. Now I call on the first business day their back and for hours I'm hung up on and told different stories every time. Since I have no bills under my name my grandmother goes into a Citibank and takes the bills under her name is since I'm told by a supervisor to have her do that from verification on the phone. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "They allowed charges to a card I had not even activated yet which I find quite concerning. Had a reoccurring charge that was turning into quite a pain to cancel (HelloFresh), lost card and got a new Citi card. Citi rejected charges for two weeks but then decided to give my new card number to merchant. It says right on the new card must activate before using?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "3 years ago I opened a account with Citibank, I had deposited 8,000 into my account, well I tried to make wire transfer to my boyfriend. So I got onto Citibank's customer help page, contacted the support team and was walked through on how to send a wire transfer. Well the support team had advised me that the transfer could take up to 24 to 48 hours, since a day had passed and I got a email saying transfer was done and processed successfully and the funds was in his account. Well he keep checks by his account and there was no funds wired to his account, so I call Citibank and and ask them where the funds was at that I had wired him and they assured me that they had been sent."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 46aa03c4adfd4919ac0769ce16f8a7d4
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{"chroma:document": "If you are looking for a bank to keep your hard earned money, please RUN the opposite direction. Their fees are ridiculous, customer service is terrible especially if you have a concern because they are not interested in helping. They are just interested in taking your money. You can charge your card on Tuesday but the funds will not be deducted until the following week which causes overdraft (of course) and no refunds regardless of your issue. Just a very unfair, unprofessional and most importantly inhumane bank. Picking money out of the pockets of those who work HARD for their little piece of the pie."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: db0d065166e54ab78384591941ef995c
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metadata:
{"chroma:document": "On 6-19-19 I woke up with a negative account balance. I then made sure to bring it back up to positive and then talked with a representative and I asked if I will be charged for anything or if anything will be returned and they said, \"No, since it\u2019s an ACH and you brought it to positive you will be ok.\" So on 6-20-19 I wake up with the mi yeah returned to me but with a $34 fee for returned. I called and spoke to a representative and a supervisor and both told me that whatever the other person told me doesn\u2019t matter and that they can\u2019t help me, I asked why if the mistake was in their end and they said sorry and they can\u2019t help. Horrible service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I was able to trade stocks on my Citi mobile app (Android) before, but now I can't even view my brokerage account with it. I have called in their customer support center many times and received no solution at all."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5b3c4c9e57db44918de38b1648256078
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{"chroma:document": "I opened a Citi Advantage credit card with an annual fee of $95 in September 2018. The printed material that came with the credit card clearly stated that \"You get 2X for every $1 you spend on eligible American Airlines purchase.\" In May 2019, I spent $4,368 to purchase 3 AA tickets. I was only credited 4368 miles. When I called Citi, I was told that the 2X was only a special promotion and it has expired in December 2018. I looked through the entire package that Citi sent me with the credit card and I find no such information. DON'T EVER APPLY FOR A CITI CREDIT CARD!! I just cancelled mine. I could have gotten double miles if I had used my Visa Premier card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 48b02c51e9154ef783488978d8cf18f6
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{"chroma:document": "Customer Service's goal seems to be to keep you on the line as long as humanly possible. Everything they want is available on the website. Everything they promise on their website is not available in your state, and everything you need is not available via phone or online. Half an hour on the phone so that I had to drive to the bank due to the utter incompetence."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 824aa55579d94904844c6ccb4a3d66ca
encoding: FLOAT32
metadata:
{"chroma:document": "A whole week just dealing with nonsense. I should've never tried to open an account here. Worst bank ever. Cant even give a real explanation to anything and they dont respond to emails so why waste your time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9eeafe9c5301483d80e0142b28533e8f
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metadata:
{"chroma:document": "I have been a Citibank Customer for over 5 Years, and this has by far been my worst experience with an institution to date. I called the dispute department 3 weeks ago about two charges I did not recognize on my account. Instead of following their normal protocol, which would be to open an investigation, and close the compromised card, they froze my account without any warning, or notification. I have called the customer service line at least once every day trying to get a resolution, as this is my primary checking account, and I need to pay my rent. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5a10da70c6b54e5d86c497abf31295bf
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metadata:
{"chroma:document": "I had an AA credit card 2 years ago and Citibank without my permission switched me from paper billing to electronic. When I didn\u2019t get my bill called 2x asking if was due and when. Both times assured didn\u2019t owe. Short of all this, I saw Citi email in my spam box saying was late. I ended up with $50 in interest fines and wouldn\u2019t waive. They switch me to electronic & then said didn\u2019t owe when called. I cancelled card. This was first time in 40 years I missed a credit card payment."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 22085cdce8c145a395c1bd3936216233
encoding: FLOAT32
metadata:
{"chroma:document": "After being a customer for 14 years, I closed my account with Citibank and withdrew my funds for the following reason. Went to local branch to get help with wired transfer, local branch manager was out on leave and no one was in charge. One of the banker recommended me to process wired online because thats the way they would had done it anyway. Sent wired on 3/4/2019, and on 3/13/2019 the funds were recalled. In between those days Citibank kept saying that they needed my passport number which I provided along with my type of account overseas. My bank overseas kept saying that they did not received any wired transfer notification at all. (I've done wired transfer before with Chase and never had an issue.) Once the funds were put back on my Citibank account, Citibank deducted 585 dollars for the attempt to convert the money to pesos."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b50178c55e4a4dc5a1e9e80a32d17df0
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{"chroma:document": "Reported me to a credit bureau for a late credit card payment of $35.00 (for an account where a total of a few hundred was owed) because a representative told me that both of my cards had been enrolled in autopay when actually only one had. They then took this opportunity to use my one late payment to cut my credit line in half and tank my credit score. My credit line reinstatement was not granted, despite the representative telling me that my single late payment on my entire credit history would not result in this line decrease and commenting that my revolving utilization was \"great.\" Does Citi realize there are plenty of other creditors? I have NEVER had this problem with Chase, Discover, my local credit union, etc. Will be paying off this balance immediately and will never use Citi again. Maybe Citi should target people who actually have a high balance so they can at least capitalize on the interest of those they screw over. Amateur hour."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 538d38ecc3ec448d87fa253fe3dbe94f
encoding: FLOAT32
metadata:
{"chroma:document": "If you have a Business DO NOT OPEN AN ACCOUNT AT CITIBANK. This is the worst commercial bank I have ever dealt with in my 48 years in business. Do yourself a favor. Stay away far away from this Bank for Commercial accounts."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ea62774ae2ad45cd846039d827dec28e
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{"chroma:document": "Customer service OFF Shore. On April 28th I received an Email from CITI Corp regarding a suspicious transaction of $1.00 (testing). I flagged it and another for UBER Eats $21.48 in California. The customer service agent cancelled my compromised card, but got into a security endless loop when I tried to have the card sent to me in Canada. (They had my travel advisory of my travel from AZ to Canada.)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1b7b1b7343764a46a9c3d62772e5cd34
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{"chroma:document": "Tried to help someone out by giving a pay advance in the form of a deposit on a secure credit card (Saturday June 1st was when application was done), by June 3rd it was obvious that I had made a mistake and did not want my bank account being used so I called Citibank credit card customer service... The representative said he could not give account information to anyone but the account holder/applicant. As I stated multiple times I was not asking for info, I was asking for MY bank account to be removed from someone else's account! I was then told that Citibank would not allow a deposit payment to be made from an account that was not in the account holder/applicant's name. So rest assured I would not have to worry about the payment being drafted from my bank account, so not to worry. The very next day I asked the account holder/applicant to cancel the application or remove my account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4a98546b201d4022bbcf3079dce54a20
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{"chroma:document": "I Jessica **, have been a loyal customer with Citibank for years. In the past and future, I have never had this issue occur until now. The issue is that I have a negative account of the amount of 177.00 dollars on my balance that is not valid, due to two merchants of the name of Woodman's and Kwik Stop. I do purchase items at those stores, but on this behalf I have not made a purchase with that amount to make my account negative, if the transaction went through it would have available funds on the account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5193a0aa67704ffebf2bb5f3e326fe16
encoding: FLOAT32
metadata:
{"chroma:document": "Out of all 7 banks I've had in my life Citi is by far the worst. Unfortunately I am forced to bank with them on Citi manager since the DoD gave them a huge contract in which they fixed nothing that has been wrong. I\u2019ve been deep in South America calling from a sat phone and waited over 40 minutes on hold because the GTC wasn\u2019t working. As I wrote this review right now I\u2019ve been on hold for 17 minutes just to talk to someone because once again the account is showing incorrect balances and charges. Citi really needs to get their crap together and stop taking huge contracts when they provide very little service to the people that need a reliable provider. Moral of this review is don\u2019t bank with Citi, they offer crap benefits, crap customer service and hold your money as long as they can when the customer might really need it and any other bank would release the funds for you to use. Like I said I bank here because the AFI says I have to."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2a5d6e94c421416bb2d5fcb95597e737
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{"chroma:document": "I opened a checking account online on 5/21/2019 and on 5/24/2019 I went into a branch to deposit a check from my insurance company in the amount of $2,173.24. The check cleared on 5/25/2019 and the funds are available for me to withdraw. I logged into my account through the Citibank website and used their wire option to have $2,000.00 wired from my account into my step-mother's account. I received an secured message from Citibank informing me that I needed to call them to verify some information before the wire transfer could be processed. The message said I could call 24/7 to resolve the delay. I called the number I was provided and was told my account was being handled by their \"Special Investigations Department\" and that I would need to call back during regular business hours."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2d615d10b2e541e195cf341306562322
encoding: FLOAT32
metadata:
{"chroma:document": "** got the worst customer service on this planet. They seems to hire only ** people. Stole $95 from me. Before I closed my AA card, I was advise if I close this account my annual ship fee will be refunded back, that was over the phone. A month passed I noticed there was no refund, so I called. The first agent asked me to be professional, refused to transfer me to a supervisor. Finally she put me on a wait and she hang up the phone. Very familiar moves for a Citi agent, so I started a new call while I wait. The second agent transferred me over, but their supervisor couldnt do **. She claimed she called the first agent, and it was disconnected rather than hanged up. Tricked me into applying a card and froze it immediately after. 6 month and still in process of verifying me. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b4ab6d8aff3140dfb99ab92f6c08ecb5
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{"chroma:document": "Citibank demands private information including information from my living trust. It threatens to lock my checking account, from which it receives automatic mortgage payments. This is the only bank, as I know of, that demands this when \u201cUpdating\u201d living trust information. I believe the living trust is none of their business. The only information they need is names of trustees and successor trustees. Stay away from this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb3fdc7089684e5db3a22666f6a5e6de
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metadata:
{"chroma:document": "I went to the branch on 18th and Pennsylvania in DC to open an account for a promo they were offering. The person there took forever to open the account (I had to go back after a couple of hours to complete the process). And when I later reviewed the documents I found that she had put in the wrong apartment number in my account! I tried calling the number on the card she gave me but it took 5 calls before I could speak to her. And then she was with a customer so I said I'd send an email to her account and I never got a response to my email. I decided I would not go through with the account if this was the kind of service one got from Citibank so I called to close my account and was told I had to go to a branch to do that! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a1a49bc4eaab4848a7bdc4b19a6dfb12
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metadata:
{"chroma:document": "Best Buy was running a promotion with the bank that would have given me a 10% store credit if I would open a charge card with Best Buy. I didn\u2019t want the card but the credit was enticing. The card was to be free and I could cancel any time. After 15 minutes of signing up, I was told I \u201cqualified\u201d for a Gold Card. The catch A SIXTY DOLLAR ANNUAL FEE.. Best Buy lost a $7000.00 sale and Citibank can kiss my butt. I bought the same units on Amazon for $1300.00 less."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 726184b57b6147d0ac9e7c5d6c37d817
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{"chroma:document": "I opened a Citibank account for the Wealth Management. I did a mobile check deposit as a test run and the upload failed for \"technical reasons.\" So I contacted the company that issued it to receive a direct deposit, instead of a paper check. Brick and mortars are almost obsolete and there isn't a Citibank location where I live or even close to it. So they cancelled the check to be able to issue me a direct deposit. Since the mobile deposit failed I didn't think anything of it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3ab1865538fd4a748bf1fc16baba4080
encoding: FLOAT32
metadata:
{"chroma:document": "Every 6 months it somehow deletes my user account from its website and doesn't allow me to log in or create a new account or do anything unless talking to multiple representatives and making changes to my data (re-adding SSN or making them change my DOB or making them delete my complete account or creating new user id to login). I can't comprehend that banking website having such serious bugs. I really can't be sure about that data security. If they can't fix their websites and Android applications, there has to be some leak somewhere which anyone can abuse. The way they handle user data makes me question their ethics and their dedication to customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 85cae82350a744a18a1d61820594d590
encoding: FLOAT32
metadata:
{"chroma:document": "After depositing my entire paycheck, was treated very rudely by customer service, requested a supervisor and was put on hold for ten minutes. When supervisor finally took the call, I was hung up on. Took me 11 days to have access to my funds, worst banking experience I have ever had. Highly do NOT recommend."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ec0697ad992c465e964804927ed078f0
encoding: FLOAT32
metadata:
{"chroma:document": "Citibank STOLE $7,000.00 dollars on January 23, 2019. It is May 29, 2019 and Citibank has had my money since January 23, 2019. They refused to return my money!!! They will not return phone calls or emails!! I do not understand how this bank can keep your money, when it absolutely positively does not belong to them. This has gone on for far too long. I will get my money, no matter what I have to do. Maggie **. # **."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: df9460e8661743c68efc7e3c71feb244
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metadata:
{"chroma:document": "Citibank allows unauthorized transactions from sellers on my account. I paid for a stop payment and Citibank still paid it. There is no security over my account. Citibank protects its own inter9. After $80,000 later, never once was I offered a CD. Or investment. If I were ** it'd be different I'm sure. Closing all. Of my accounts including a business account. They are the worst. The sloppiest customer service of all the banks. Citibank is horrible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f88e020038c64926aa035df2b6332af2
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{"chroma:document": "I applied for a Citi card for work travel and received immediate approval. But after 9 days and no card, I tried calling so I could book a flight. After an hour on the phone I got no resolution, just the same answer \"wait for the card to arrive\". I couldn't get a temporary card number or a virtual card number which were both listed as member benefits in the application. So far not so good with Citi."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8b120a9e682b400fafdc7d8de8e7699e
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metadata:
{"chroma:document": "I have had a Citi credit card for years with no issue but I have had issues with my new Citi savings account since day 1. First, I was immediately locked out of my online account after transferring money into the new account. The only way to log back into the account was by providing the new debit card number associated with the brand new account (which I obviously did not have yet as the debit card would be mailed \"within 7 days of opening the new account\"). I simply wanted confirmation that my money transfer had gone through and contacted customer service multiple times only to be told they could not access my account until I verified it with my new debit card. This makes absolutely no sense. To make matters worse, an additional step was needed to verify the account that I was not informed of except by a call from Johnson City, TN number that called me 5 times in one week but never left a message."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 424fac6faf924b13bc233058743b8f81
encoding: FLOAT32
metadata:
{"chroma:document": "2 months ago I called to change the address of my account and was not able to change the address because my husband had passed away and he was listed as the primary on the account. It has been almost 5 yrs since he passed away. They told me my account was sent to the probate dept. I did not make the payment because I was told my account was in probate. I then received calls from the collection Dept. Every phone I told them my husband had passed away. They have been told multiple times. I received a letter from the probate dept and when I called they said, \"Oops!\" They had listed me as dead. So instead of correcting my account to my husband is dead, they bounced my account back to collections. I then reviewed multiple calls from collections, told everyone the dates he died."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I have had issues with Zelle through Citibank. This last issue was quite disturbing. I send money through Zelle every month to my brother using his email address. I always send money through the same computer at work so the system even recognizes when I start typing his email address and pre populates the email making it easier to select and not make a mistake. This last May 2nd I sent the same money to the same email address but I received an automatic text and email stating that Zelle is processing the payment to a foreign name that I don\u2019t recognize and a phone number with a 646 area code. I called Citibank to let them know of the mistake and they asked me to call the person because the payment is automatically transferred and they can\u2019t stop it. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Citibank states they back their cardholders 100%, yet I have attempted to dispute one charge and have been denied 3 times. I can't even contact the merchant by phone or email anymore because they have disappeared! Yet Citibank claims I have not given enough evidence! The other card company sided with me know the first attempt, because this merchant issued me two credit cards and then never followed through with their service. So in my attempts to resolve this issue, I am bounced around to department after department. I asked for a corporate number and they say they don't have one! Yet I Google it and find it! If you have another option on a credit card, don't go with Citibank! They are only worried about their money and not their customers like other companies!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eaffaf5ed3dd4a7a80d1eff202136ded
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{"chroma:document": "2019: Needed major car repairs February. I informed Citibank I would not be able to make payment April of $28.00. I explained I would be able to make a $50.00 payment come March 3rd. I was told by \"customer care\" rep \"Not a problem, I see you have been a long time customer and have always made your payments. Call us back March 3rd and we'll wave the late fee.\" March 3rd I called and Citibank indeed waived the late fee however, are now requiring a percentage of the entire balance which is $75.00 minimum payment. The late fee is not removed from the payment, but the balance. Not helpful."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fd458dc67c2340e3bfced1a585f89616
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{"chroma:document": "NON EXISTENT CUSTOMER SERVICE & FINANCIAL ELDER ABUSE: For the past several months I have been trying to work with many of Citi's employees but it's a dead end. I have filed a complaint in early April and still awaiting a response a month later. All telephone experience on a daily basis has been frustrating, torture and I call it \"financial elder abuse\". My questions relate to their request letter which is totally unclear with language that an average person with a college degree could not understand. To date my questions SEEKING clarification have remained unanswered. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b93651190b114987b6bb3ff8022588e8
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metadata:
{"chroma:document": "Most useless customer service, keeps you waiting for a long time and when finally you talk to someone they don't know the answers to questions. Tried to place a complaint after that and was told I'd have to mail a letter. Will not bank with them again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cfb73fff73514dc2950c5f77c13f6fe2
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{"chroma:document": "I opened a Prioirty checking and savings account with the prescribed $50,500.00 and was told in the fine print that the money must sit for a certain amount of time and then after another long wait I would get my $600. It was also mentioned I needed to fill out a tax form. I let the money sit the prescribed about of time (5 months verified by Citi. I sent in a tax form they did not receive so sent in another one they said they did receive and which was in order last month."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 089f957a56b34361a66c4c3d34c2bc17
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{"chroma:document": "I was two days late on my bill, and instead of charging interest for the two days, they charge interest for the month of \u201cgrace period\u201d they give as well as the two days. I contacted customer support about it, and they said they couldn\u2019t do anything due anything about it because that was their policy. I am upset they charge interest for their \u201cgrace period!\u201d It really isn\u2019t a grace period if they charge interest for the time instead of just the two days I was late. The manager originally said the interest was a daily interest, not a monthly interest, and then when I brought up the fact they were charging me for a month of interest when I was two days late he changed it and said it was a monthly interest. Surprise surprise, they lie to their customers and charge them interest for times they give as a \u201cgrace period.\u201d I am done! I will go back to using Discover who doesn\u2019t lie to me!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6d56ded441bc4f8681c5d75f51f04633
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{"chroma:document": "CITIBANK STOLE $7,000.00 Dollars from Me!! I sent a wire transfer from TD Bank in Pennsylvania to Citibank in Florida on Adventura blvd. I sent it on January 23, 2019!!! It is now May 11, 2019 and Citibank refuses to give me my money back!!! The person I was sending the money to refused it and told the bank to send it back!! They did not. I want my money back now!! ** I have called 27 times and emailed the same. No response at anytime. One person at Citibank said he would find my money?? I am still waiting!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Very unprofessional and lame customer service personnel. They don't have the understanding and care about customer service, but also making many mistakes. It is not just one person. You keep calling, probably hitting more than enough to make you tired. I called them. The customer service person opened someone's else account after repeating credit card multiple times. Even you keep telling that you are looking at someone else account, the person doesn't care, end of the call. Representative hanged on me. Called 2nd time. That person was a little bit knowledgeable but still didn't know who to complete charge dispute and they did not have a way to connect to a manager. The only reason I am staying with the card, as they provide 2%. If I get similar credit with someone else, I will cancel my service with Citi immediately."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d3f2c534595647cf89044d84b2d67728
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{"chroma:document": "Every time a website fails authorization to the credit card company for one reason or another, that amount is still pre-authorized and held against the credit limit. I had an international website fail to process due to what Citibank considered possible fraud. I applaud Citibank's efforts for watching for possible fraud, however the issue has to do with the card failing several times while I tried to process the charge multiple times thinking maybe I typed the numbers wrong or something else. It took quite time before I got a text message on my phone and I was able to confirm the transaction was not fraud. The next attempt to charge my card was successful."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I explained to a Citibank rep I was affected horribly by the government strike from NOV 2018 until now. I explained my hours never went back to being the same and that I was playing catch up with a lot of my bills. The rep reassured me that due to the fact so many were affected and I had been a customer for more than 10 years they would waive any fees on the account. The first time I was charged a insufficient funds 3 times back to back. It was waived. Then a month later I was charged a \"returned check fee\" and I explained the charge was done early but I made a deposit on the next business day. They refused to waive the fee even after explaining my circumstances and being reassured by a rep I would be taken of. I will close the account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1284eff5d2724ba5bcc4e3718b7fae90
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{"chroma:document": "Updated on 05/10/2019: Previously typed up a lengthy Gettysburg Addressesque review of Citibank and only recently received more direct information \"from Citibank\" concerning online banking and ATM/Debit. There is a mandatory 7 to 10 business day waiting period \"before you're able to use Citibank banking services.\" With the exception of making deposits ONLY. That means any money you deposit, you will NOT have access to those fund until Citibank unblocks your ATM/Debit or account. You also will not be able to complete any online transfers. You will in a sense be \"in financial limbo.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "A have a new credit card serviced through Citi and I can say that they have the absolute worst customer service I\u2019ve ever encountered. I originated the card back at the beginning of March and never received anything in the mail. When I had first gotten the card I had assumed that there would be plenty of time for me to receive it but I did move at the beginning of May and still have not gotten anything in the Mail. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 26290bf6c952459d918c5ddc0b54cde6
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metadata:
{"chroma:document": "Citi Bank is the absolute WORST bank to do business with. Applied for a card in January. JUST received the card in May. Online banking does not work. Have never received statement. Cust. Serv. incompetent."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "On Mar 22, 2019 I opened up a Citi savings and checking accounts to take advantage of their $500 promotion. I ensured before opening the counts that I was going to meet all the requirements and even read the fine print carefully. On the same day, after opening the account, I transferred the required amount of funds from another bank account. After that I was told that I would have to complete some paperwork and send them some other documents. I completed that right away, faxed and mailed the documents just to make sure they receive them. After sending over everything, when I didn\u2019t hear for weeks, I started calling them to find out the status of my accounts. I was told that the accounts were blocked as they were reviewing my application and verifying everything. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2458751690c6415ea7e6b356ee4448b7
encoding: FLOAT32
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{"chroma:document": "Alameda branch is the closest, so I solve all my banking needs there. Every time the service is impeccable. On Apr. 27 it was again time for banking and had to talk to the manager, Mr. Ryan **. He was fast, courteous, efficient, nice. I was truly impressed. Good job!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 79c40327140c42a1bc28a3dcbdbb1503
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{"chroma:document": "Horrible customer service. I have a deferred int with payments and balance transfer, all up to date. I sent a payment which should have gone to the deferred int account due 7/19, not the balance transfer due 2/20. According to THEIR terms, they apply payments to the deferred account first. However, they made a mistake and applied to the bal transfer due 2/20. The supervisor tells me they apply the monthly balance due to the bal transfer, which should have been $39, not the full amount they applied which should have gone to the 7/19 balance. Talk about people who cannot admit they made a mistake and reverse the charge and put towards the correct account. Not to mention forget abiding by their OWN terms. Should have been a simple resolution. HORRIBLE! Get a Discover or Capital One card - both have OUTSTANDING CUSTOMER SERVICE!!! Never an issue!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "We have been calling almost for an hour to the representative 888 # customer service, nobody answer the phone, we try the chat, nobody comes. If coming I ask, there is a spinning circle, nobody answer. Be ashamed of you CitiBank. How awful service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a86da8725311498ab3aa0bd0d2b665f8
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{"chroma:document": "I purchased Travelex foreign money for an upcoming trip. I used my Citibank credit card to pay for the purchase. Later I discovered that Citibank billed my credit card a cash advance fee of over $20. I questioned this and was told because I ordered money they charged the fee with interest! I did not order money with them, but with Travelex online. The only way I could avoid the interest mounting was to give my checking account routing and account number to get an electronic transfer. This does not seem legitimate."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6172b9bf1a6b4ad2b36b616829cda1a9
encoding: FLOAT32
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{"chroma:document": "Someone tried to hack my account and I changed the pin out of fear and I told the Citibank employees the whole story and showed my ID and they did not even help me. There was a lady who was telling a very helpful gentleman not to help me at all and I have bills to pay. My job's direct deposit is linked to my Citibank and they still don\u2019t want to help me reset my pin! Smh. How y\u2019all keeping me hostage from my own money!!! (939 main St, Bridgeport CT 06604)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 721ed02ed6f94cbaa37663a5b1a5a1f1
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{"chroma:document": "Citibank KYC department has a new process where they ask very intrusive questions about your life and finances. We answered all their questions during the past month and yet they froze our account for no reason. During my conversation with multiple supervisors they acknowledge that they had already received the info and the account should not have been frozen but the entire review is in the hands of one analyst assigned to the account and if that analyst happens to be on vacation or unresponsive for two days, you are out of luck and cannot get any funds out of your account and no one can unfreeze your account even though they all agree it should not have been frozen in the first place. A bank should not have such a system when the it cannot be overridden is something ridiculous such as this happens."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b4b1e2e2fbe548c595e8d70a9f591b3d
encoding: FLOAT32
metadata:
{"chroma:document": "I was lured by the high interest rate offer savings account, and I applied online. There was no confirmation email whatsoever after application. I then called customer service in the evening and I was told to call back in the morning to another number because 'new account\" customer service was closed that day. I called new account in the morning and they said they need my ID, I needed to fax it over so I did. After that, I kept on receiving emails asking me to make a deposit, but I do not have any access online. I called customer service again, they told me it would take 7-10 business days to process my document, so they asked me to check back on 4/19 or 4/22. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 71c47fc4df1d4da5822cb6c4e7b95355
encoding: FLOAT32
metadata:
{"chroma:document": "BEWARE, everyone, I am going to file a small claim lawsuit on getting my credit card deposit back. Been trying to get my refund for a month now and every time they pretend there is an identity issue and then promise to send me a letter that contains a password, Of course, they are laying and are not sending such letter. Dont do business with this company. All of their customer service are from Asia. You will get the worse customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0d47255b27fd412dbd4289dfec3d018c
encoding: FLOAT32
metadata:
{"chroma:document": "I have called 4 months in a row about payments being stolen from my bank account. I was assured yet again it was taken care of. I will never do business with this company again. It's unacceptable and the incompetent people who have assured me it's all good need better training on how to actually resolve this problem."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9ceec941ce9e4dffb2950746b0502651
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with Citibank for years and I had a 5 year CD with them. I planned to close the CD as it matured and was a few days late due to being the main caregiver for my family that I didn't have a chance to cancel it on time. It automatically renewed for another 5 years. We were in need of that money so it needed to be canceled. They were not concerned about my situation and that they said I would need to pay a $75 penalty fee to cancel. I basically lost money by putting it in a 5 year CD..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a1c9f56aa6d447b0ae5cb410d919b467
encoding: FLOAT32
metadata:
{"chroma:document": "Citibank has given me a massive runaround for FIVE years now, they are purposely preventing me from getting a credit card with them, even though I have a 850 credit score. They have a very unethical team of con men working in their \"executive office\" who intentionally put a block under my name and social to mess with me. These people belong in federal prision! Citibank is a scam bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5374d35523dd4956a819406c73c81785
encoding: FLOAT32
metadata:
{"chroma:document": "I felt the need to write a review to warn other people about Citibank and hopefully let Citibank know about the very poor standards that they are currently providing through the ONLINE account opening service. This is by far the worst bank experience I had in my life. It's the first time that I'm dealing with such a terrible organisation and rude or unhelpful customer service. I opened a bank account online around one month ago. I decided to do this because opening online is the only way to get access to the bonus they provide for new customers. It took them more than 2 weeks just to provide me a debit card. They sent the debit card with no confirmation email nor any mail communication of any sort and I was in a limbo with no account number nor way to activate the mobile banking. I had to wait another week (3 weeks in total) and multiple phone calls just to get notified of basic information to be able to bank. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2868bf9b1044448c96eb80326ce99bfa
encoding: FLOAT32
metadata:
{"chroma:document": "Underwriters are out of sense. My score was over 750. Nothing bad on credit file. 60k in bank account. 4k monthly income. I apply for a 80k home loan, they denied and said insufficient income, give them all info even my boss give them all info they needed, horrible, they don't believe me. So I'm going to stop business with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9ca5210ae9f54634b60aed8fa1dd44e9
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{"chroma:document": "Start from this April I and my wife applied for pre-approval for my mortgage at Citi bank. However, the lender in Citi bank sent our SSN info and our living address to other parties on April 10th through email attachment. I contacted the manager at Citi and they just want to give us a one year credit monitoring system which doesn't help at all since we already enrolled in credit karma."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: df5622675f45472ea7015730b1bc178a
encoding: FLOAT32
metadata:
{"chroma:document": "Where do I start with Citibank? First of all, their customer service is the worst customer service I have ever dealt with by a long shot. Usually, I am a patient person who does not even bother to go through the trouble of complaining but I felt that their behavior was ridiculously unprofessional. There were long wait times on the phone and my issue did not get resolved. I opened a savings account, I got a verification email, I validated the account and validated my checking account to make transfers to my Citi account, I received 2 deposits to verify the account and everything was good. I made a transfer and was ok, then I made a second transfer for a considerable amount. They decided to close my account and the money is in limbo and nobody can explain what the problem is. Very disappointed. Do not recommend doing business with Citi at all."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6d0810d8644b44c98cf20a3415fb57f3
encoding: FLOAT32
metadata:
{"chroma:document": "Where do I start with Citibank? First of all, their customer service is the worst customer service I have ever dealt with by a long shot. Usually, I am a patient person who does not even bother to go through the trouble of complaining but I felt that their behavior was ridiculously unprofessional. There were long wait times on the phone and my issue did not get resolved time after time, despite them pushing me to threaten to close my account multiple times and to take my business elsewhere. Their customer service representatives are condescending and patronizing. I wasted more than 20 hours over the course of almost a year by having to make around 10 phone calls regarding my issue and self-auditing my account to make sure I was not being charged unfairly."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8e83fb8ee9174958bb06f8a9e40748cb
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metadata:
{"chroma:document": "Signed up for the $500 bonus with Citibank. I opened a checking account, deposited over $15,000, and even had direct deposits. And now because my account went under $15000 by $9 dollars Citibank will not honor it. Although the account was only under $15000 for less than 24 hours because a direct deposit was made for $1,500 dollars."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 398868d0b4564f6384c477fb04515c63
encoding: FLOAT32
metadata:
{"chroma:document": "Sent in my Citibank payment on time--with two weeks to spare. Citibank computer itself registered the envelope being received at the US Post with 14-day lead time. One service rep says that envelopes are immediately opened and processed at Citibank, but this is not true. Another service rep suggests that US Post is left in the mailroom at Citibank \"many days\" sometimes. I was charged for a late payment despite their own records of my sending it on time. I fear that this may be a way for them to generate late fees illegally."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 352adc51ef7b4ec6aacb7c97a29d4f6a
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve been a loyal customer of Citibank for 20 years! I\u2019m asking for a personal loan for an amount but because I CHOOSE not to have credit cards because I pay ALL my bills in cash on time. I can only receive a 2000 dollars in loan - I don\u2019t want that I have 2K but the fact that they can see all my expenses and see that I pay my bills on time. No loyalty whatsoever. So I make an appointment with the brand manager for 10 am meeting around 10.15 I\u2019m asking where she is, they tell me she\u2019s taking care of a situation- like why do I have to ask? After 50 minutes of waiting she\u2019s still not here! So unprofessional!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9eb73c6a81ff4ccb8e562d16ef272c8b
encoding: FLOAT32
metadata:
{"chroma:document": "I have a excellent credit score, excellent utilization rate, good salary when I applied for the double cash back card. It got rejected and the reason listed was 'not enough credit history'. I called the reconsideration line but they say they cannot overwrite the machine's decision and have no good reason for why the application was rejected. Don't know why they even bother with a reconsideration line considering that they are pretty much useless. Now all I have is hard inquiry for the work I put into maintaining a good credit profile. Chase at least considers it. Citibank is just plain useless."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2cc01cfa2abd45c0be73735258551f97
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metadata:
{"chroma:document": "I went into the branch and asked the teller to cash two checks for me, the teller did not explain to me that funds from the check would not be available to me and that it had to be deposited, he in turn took the money from my checking account and deposited the checks. I went to get groceries later that night and had my card declined for insufficient funds. When I called the customer service representative she was very rude, basically telling me that I should have know that this was what the teller was doing. Now I have to leave my groceries because I did not bring any cash with me. Terrible service by the teller, because he should have provided me the information that the checks will be deposited and the funds from that check won\u2019t be available until tomorrow and not just take my money from my checking account like that."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 391f3ee99e294e0da4a055d39ab8f528
encoding: FLOAT32
metadata:
{"chroma:document": "I wanted to make a partial payment on my credit card using an online app. They took out $4,000 more than I requested. I called the bank and asked to cancel the transaction as the amount is wrong, but was told that they're unable to cancel it until it processes. I was on the phone for half an hour explaining to five different people the issue, but at the end I was told that I have to call the credit card and then again call the bank tomorrow so they can process a refund. They made an error with my money and I have to waste hours/days of my time correcting it? Their Customer service is below zero. Mind you I've been their customer since 1993. Time for change!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2659c78e3dd34046911122e7a50aa3a5
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metadata:
{"chroma:document": "Two weeks ago, I opened a Citibank savings account. In addition, I have two credit card accounts with Citi. I have always been able to access my credit card accounts online to check for usage and balances. I was able to link the savings and credit card accounts easily online until Monday, 3/25/19. That day, I received an ATM card, and was instructed to activate it online."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9f43289288954271b3df987fe3012b2a
encoding: FLOAT32
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{"chroma:document": "Citi advised we upgrade from gold to platinum. In return for $100/yr additional fee, we receive 40k mileage points. After paying our fee, they denied the 40k points, stating our gold card was less than 24 months old. We contacted a Supervisor to confirm no one warned of this technicality. She said \"they're supposed to inform you... oh well, sorry\"."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aa53be8744694bba879294c5670b75a9
encoding: FLOAT32
metadata:
{"chroma:document": "What a disaster. Citibank sent my wife and I an offer by email which was connected to our Citibank credit cards. To receive the 10,000 miles on your American Airlines reward program you had to open an Accelerate Savings account which could only be done from the link on the email. Tried numerous times but because whoever in the IT department set this up it did not work. Called Citibank and got the the standard answer that IT was working on it. Also a requirement of the offer was to deposit $500 and use the Citibank app twice within 30 days of opening the account. What a joke. I do not need to maintain a relationship with such a screwed up organization. The next thing they will say my information has been hacked and possibly comprised."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c8ff31444af0451192f0c5730c39a714
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metadata:
{"chroma:document": "Citi canceled my card without notification when I changed banks and forgot to change this information on my auto pay. The initial representative was very helpful and took my information and paid my bill immediately. Then a supervisor got on the phone and told my card had been canceled. He was extremely rude and told me he just didn't care. I would never deal with this company or companies related to them. This was the first experience I had ever had with people who just don't care about you. It was easy to obtain another card with company with great customer service and better card features than Citibank offered (DISCOVER)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e4c36d78cc334d5781f18fe24ffbbd4b
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{"chroma:document": "Citibank is a prime example of how you cannot trust banks. Citibank is the one bank that you should never trust with your money! I opened my account online. They have stolen my funds. They froze my bank account and now are saying that they cannot locate my funds. They left me without food on a weekend. I called Monday only to find out that they have frozen my account and they claimed that they would mail me a check for the balance within 30 days. It has now been 60 days and they have stolen from me. I just received a letter in the mail stating that they cannot locate my transactions. They are criminals! It started when someone used my debit card fraudulently to the tune of over $1500. Citibank refused to dispute with Visa. They took it a step further to also steal my funds as well. I'm beginning to think that it was Citibank that was behind all of it. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 60e0f870f32e499bb5cb8a1b6426dd7f
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{"chroma:document": "I have an active checking account with Citibank since 2001. I contacted them on 03/11/19 to inform them about an unauthorized transaction. Apparently, BJ's membership services had completed a renewal membership for $60. I called BJ's customer services to inquire since my membership was renewed in person at one of their stores (my husband paid in cash). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1547ada9c7cd4e6fb41016a6fc270d1f
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{"chroma:document": "I selected Citibank for my mortgage as I have a long standing relationship, several open accounts and the Services and Customer Service was always outstanding. The Mortgage Loan Officer was outstanding and very helpful from the beginning of the process even while I was looking for the right home. She was very patient and responded quickly to my question whether by phone or text and explained the different options so that I could make the right decision. Though I was disappointed in the timeframe between the documentation submissions, pre-approval and final approval which was very lengthy. Applying for a mortgage during the major holidays season further delayed the approval. They also do not provide home renovation loans which would have been useful as I now have to find another way to get this done. Overall I was satisfied."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ed2b1f01790f41b19fe3818838dc9da7
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metadata:
{"chroma:document": "On 2/12/2019, my card was charged for $99.00 four consecutive times, for a total of $396. I reported the incident to Citibank. They temporarily refunded the money and started an \"investigation.\" Today I received the results of the investigation. They stated: \"Based on the information you provided and the results of our research we are unable to honor your request for reimbursement. Our decision was based on the following: You informed us that your Citibank Banking Card has not been out of your possession. Both your Citibank Banking Card and Personal Identification Number were required to perform these withdrawals. The activity appears to be consistent with your normal banking activities. Therefore, we will deduct the above mentioned transactions from your account five business days from the date of this letter, which is 03/26/2019. This deduction will appear as a withdrawal on your next account statement.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 16d4419dacf5470587f597cdf2d6cc7b
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{"chroma:document": "Waste of time. Constant we lock your account \"for your safety\" excuses. Truth is even BofA does not have the control freak, problematic, useless security. Since you're never allowed to see your own password eventually you will enter it incorrectly and after 2 failed log ins they will lick you out and demand you create a new password. They cause the problem then make the problem worse. Customers should be allowed to create their own passwords. Plus gave the option to see their password when entering it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2bde3853bd7e45bcbd80cb88f871a2fc
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{"chroma:document": "I sent a cashier's check via FEDEX to pay off the balance on my Macy's American Express card in January 2019. It is now 22 March and Macy's (Citibank) still has not credited my account. I have made 16 phone calls to the customer service department and I keep getting one more week... Well to date, my $804 has not been applied to my account. They refuse to help me tell me to call back next week that the \"back office is reviewing the situation\". SERIOUSLY!!! OMG. WHAT A NIGHTMARE! This check was signed for and received by Citibank on 5 February. So I KNOW they received my money. Unfortunately US Bank, who issued the cashiers check and FedEx'd it is not helping me either. Banking in America is criminal. Not only am I out the $800 but I am out the $800 on the new US Bank account as well. I hate both banks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 56a6400af8394dda8d28be786e18c832
encoding: FLOAT32
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{"chroma:document": "I opened a checking account online and was sent my card. I did a mobile deposit to the account and was told that the funds cleared but the account was closed. No reason given for the account being closed. So I was told my $600.00 would be mailed to me once the account was fully closed on 02/20/2019. I have talk to the fraud department, customer services and a supervisor. No results other than I should have been sent my funds as of today. I have submitted a complaint with BBB. I will not stop until this bank give me my funds."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f686615599e4e309b27d640018c3dbb
encoding: FLOAT32
metadata:
{"chroma:document": "Opened my account with Citi online on Feb. 21st. Put money into my account Feb. 26th... It is now Mar. 20th and they still have a block on my account. I cant pay my bills, I cant get my money... Every excuse in the book why they havent reviewed my paperwork... even talked to the supervisors. My power bill, car payments, all my money is in this account and cant use it and they dont care. Still under review. If you wanna deal with a bank that dont give a crap this is the one. Thank you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a6489b5e775d410195fc12563b2a20b7
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{"chroma:document": "I have had nothing but good results with my Mobile Citibank App up until the last few months. I can no longer access my account from my app. I have called and spoken to one person, but he was unable to help me. I telephoned again and was able to access my account 1 time and after that have been unable to access. I have tried everything they suggested but still can\u2019t access my account from my mobile app. This is so disappointing that I am unable to use the app. It was so convenient and easy to pay on my account. I am able to access on my desktop computer, but is inconvenient because if I\u2019m away from home and need to check my account I can\u2019t. I wish this could be fixed\u2639\ufe0f"}


created_at: 2023-11-04 20:04:30
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{"chroma:document": "I have always keep this account in good standing and pay it off every month. I have been with them for over 10 years. I made my first late payment in 10 years and asked them to waive it. Because they didn't make enough money off me in the last year they declined... I canceled my card right away and the only amount due was the late payment fee and interest... Interest on a late payment fee... I'll never do business with them again!!! Rick"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dfede987e2724d56b2d758eafd700002
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metadata:
{"chroma:document": "My mom died quite unexpectedly around a month ago. I proceeded to cancel her cards and services, with her death certificate and notarized trustee documents. She had several cards and accounts with CitiBank. I closed the accounts in person, and the cards by phone. For this card, I had to be transferred to a different department. It seemed to go well."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2817f9fb1a4d4ab4902c806c74c8e641
encoding: FLOAT32
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{"chroma:document": "On March 13, 2019 I woke up with about 74 dollars in my account, I do checked my account every day, I had no negative balance whatsoever however I was told by Citibank agent that at 5am in the morning my account was negative 23 on March 13 which I found to be weird since at 9am I had a balance of 74 dollars on that day which to me or anyone doing the calculation. If was negative 23 dollars I shouldn't have a 74 dollars in my account. By 9:55am on that day my first transaction was about 5 dollars, then another 9 dollars at the LIRR, then about dollars 5.50 cents at the mta machine, later on that day I made a purchase of 32.99 at T-mobile, another $3.60 at Starbucks. My account was left with 23.77 as per the bank record. Still nothing to say that my account on negative."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e5cb5cf03ce84b62a92c464b451950c1
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{"chroma:document": "I made a balance transfer through Citi that went to the wrong account. The customer service reps that I contacted kept hanging up on me without warning. The ones that stayed on the line basically said there was nothing that they could do for me. The account that was credited was a completely unrelated account and the account number for that account was way off, so I doubt the mistake was made on my end. Even if it was the run around that I was getting was appalling. Eventually I had to have a Capital One representative intervene. The Citibank customer service rep actually hung up on the Capital One rep during a three way call that they initiated. The issue was resolved thanks to Capital One. No thanks to Citibank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 75f5519b20d24aa3b43059e1d3999560
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{"chroma:document": "It has been a total nightmare dealing with this group of incompetent bankers. They have limits on transfers but they are willing to do it if you can get a banker. Well, they issued a check to themselves to transfer my money from American Express National Savings Account to Citibank Accelerated Savings Account. What a joke? "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1ef0b10ca8ff496cbb8be416b8abf526
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{"chroma:document": "I would NEVER do any business with CITI. Unfortunately, my government travel card is issued by them. For some reason unknown to me, my account was closed and I am ineligible to reactivate the account. So I was told to wait and call after November to fix the problem. I called today in March and was told I have to wait until June and maybe there might be a solution after being placed on hold and transferred around for an hour. Listening to a generic machine apology for an hour. Unacceptable and If I had any say our military will find another company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 200d5ac1d235455298324ed0fb509404
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{"chroma:document": "Citibank is trickster when in come to charging $34 Overdraft fees and warrants class action suit. Citibank deliberately delays text alert to ensure customer have already incurred overdraft fees. Few months ago, I was advised by the customer support to subscribe to their overdraft alert service, that will send text alert as soon as my checking account is overdrawn, that will give me an opportunity to transfer funds from another linked Citibank account or external account using Zelle, and bring my account positive instantly. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: abfd547740934806809708728d40222a
encoding: FLOAT32
metadata:
{"chroma:document": "I haven't had my Citi Rewards+ Card for that long yet, but so far the experience is atrocious. I got my sign up bonus and wanted to redeem them, so the first time I tried, the website didn't work. It something something along the line of \"system temporarily unavailable,\" so I innocently assumed that they were just doing some routine maintenance. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5e7db5d7b6254d6493b74efd0cd153e7
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metadata:
{"chroma:document": "0 Star - They suspended my linked external account and don't provide an option to lift the suspension by myself. I called 4 times over a week and the issue is still not solved. I wasted 3 hours waiting on the phone and talking to different customer services. Each of them asked me the same questions and I am sick of explaining to them again and again. On the 4th time I called, I asked the customer service to look up my case. She said that I just called today and it will take 2 business days to process. Wrong! I reported the issue 5 business days already. It should done by now. If you guys can't fix the issue, then give me an option to do it by myself."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bbd92ff87fe7402bb0fc30d7cfaf8d42
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{"chroma:document": "Though Citibank has a decent cash back option on its rewards cards, turns out you can accumulate points but you can't use them. I just tried over a period of three days to redeem points for purchases (a credit statement) and the online function wouldn't work. When I called for assistance, I was told that this function hasn't been working for ONE MONTH, and they have no fix for it yet. I was also told that no one could help me redeem my points for cash (credit on statement) because they couldn't figure out how to fix this problem. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 60c575907eff4e19a7c6a02f0a5107f6
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metadata:
{"chroma:document": "The worst. I have recorded calls saying the merchant will give a credit of $69.99 to my account but that day Citibank has locked them out of the account! Citibank had sent me a letter after they recharged my account saying I have to get a credit from the merchant. I talked to two people in Citibank with recorded calls. One a manager supervisor who said the merchant is not locked out of the account. So who is lying here? The merchant is initially willing to give me a credit but says they can't because Citibank locked my account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 21b2b92be3af4642a0ccb0210fd165ea
encoding: FLOAT32
metadata:
{"chroma:document": "I received a letter by Citibank stating I needed to pay a remaining balance and provided a phone number 800-777-1681 to contact an agent to resolve this issue. I was on hold for 30mins and never got anyone on the call. I called their general customer service number (800) 374-9700 with a different phone and they were unable to locate me to pay for the balance. Overall I wasted close to an hour talking to no one that could help. I tried to send Citibank a message to make them aware of their current system but was unable to send any messages. Instead the only options are to chat with someone, phone in, or send them a letter. I would never personally own a Citibank card after this experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 803ae1eab8264a8da19f451824d81af2
encoding: FLOAT32
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{"chroma:document": "I\u2019m so glad I personally dropped Citibank several years ago! Recently my father passed. I closed his Citibank card like other cards he had. Unlike other cards, Citibank was difficult to work with and through the remaining balance to collections before ever contacting me. He had accumulated dividend dollars (cash back) that would have covered lost of the balance but at this point refuse to release it. They just keep wanting to refer me to 3rd party collections, which have no control over the cash back. I would expect better. Never will get my business again and I hope this helps others make a decision on who they do business with."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dd23c669ff7944aab43711d24aaebbe4
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metadata:
{"chroma:document": "My bad day is I just opened checking account with Citibank. I have 15000 thousand deposits but still not appears. It deducted from my check and not yet shows past two three weeks. Really bad banking service customer support. Everything will make you mad. Really worst of the time and money. If you open a Citi account it\u2019s good but before deposit be very careful maybe you can\u2019t use it. It\u2019s my experience. Still I don\u2019t know my money which I deposited in Citi!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 80edbec3509245568abe74c57a2f5f4d
encoding: FLOAT32
metadata:
{"chroma:document": "For 3 days my card kept getting blocked. I had to keep calling to verify my identity and my card was still blocked for a 4th day. Called customer service. At this point I was very upset and was hung up on twice then told they couldn't help me. Asked for a supervisor. Was told they would call me back but NEVER received a call. Called back but got nowhere. Rep then proceeded to deactivate my card because I couldn't remember how much a purchase was that I made even though I verified that I did make the purchase. Just wasn't sure of the amount. But at that point the card was already lost. Had to wait for another card to come in the mail. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6322d64b68e74eb79804acf5323ecfd8
encoding: FLOAT32
metadata:
{"chroma:document": "OMG! Have spent the past 7 hours trying to call Citibank - calls don't go thru! Have been searching for email address for hours to no avail. I am in Cape Town, SA! Call me on ** (think code is +27 +21)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 20a661c00f194b458b2b754bd4b1ed98
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metadata:
{"chroma:document": "Customer service reps are absolutely horrible. They are not knowledgeable, will take action that was not requested (such as disabling your web access only to finally be told that they can't enable it again - this after been transferred back and forth to multiple departments and over an hour later). They will lie, and make excuses for their actions and hang up on you. Even when you request to speak to a supervisor, the \"supervisors\" are useless and don't even care that the issue that has been \"escalated\" to \"supervisor\" to begin with. I have had 4 \"supervisors\" hang up on me and the reps and supervisors don't enter a note in your account so that you cannot track who you spoke to and complain."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d1ad0d40e4c44f2d886dd4b5b01ebee0
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metadata:
{"chroma:document": "I was sent an invitation for a new account with Citibank. I had started a job a couple months ago and was cashing my paycheck at a check cashing place. I applied and then got a welcome letter in the mail with a debit card and was very excited. It was easy with no hassle and I uploaded all my information. I later gave my boss the information for direct deposit that I acquired from calling the bank with my new account number. I also set up my online account. My first deposit was to be my next direct deposit from my payroll. I waited when payroll came. I went to the ATM, try to withdraw funds and they weren't available. I went online. It wasn't available but it showed my truck had deposited. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c3233a407c234916a947dcf120fff284
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metadata:
{"chroma:document": "On November 2nd I, (Jennifer **) mailed a check for $3000.00 to Citibank to pay off loan #** in the name of John **. On November 9th, I noticed that an ACH had been processed through Wells Fargo Bank. I wasn't sure what that was but I had only written one check from that account so I called Citibank and they advised that they had not received a payment in that amount, so I called Discover bank and they advised that the ACH was from Wells Fargo and that it had gone to Citibank. At this point, the struggle really begins when Citibank customer service can not locate this information and does very little to help us locate this. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 97a0f85810e043c5816ae1cacd290249
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{"chroma:document": "Refinance my mortgage and approve for a loan. The next day company asked for $700 for title and survey report. Title company pull all references to my name for county. Pulled 50 liens on my name. None of the liens were associated with my residence. Citibank declared that they are unable to refinance because of the liens. I went to court house and tax assessment agency in my county and none of liens were attached to my home. Citibank denied my financing because not clear title. If they would pull correct information for reputable title companies they contract I would consider it fair underwriting."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d62492dd56aa493f8721cc89e4cb19a5
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metadata:
{"chroma:document": "Do not get a checking account with Citibank! If you do you will regret it. You have been warned. As of right now there is a \"block\" on my checking account. I discovered this as I was trying to order food over the weekend. They left me with no access to my funds, no money, no food and no way to pay my bills. When I called they told me that I had to speak to a particular department and they are conveniently closed on the weekend. I was told that my account was restricted because I have another checking account. I was told to have two separate online banking accounts by Citibank. My goal was to have two separate debit cards so that I could use one for spending and my other account for bills. So they have essentially screwed me over because of something one of their representatives told me to do. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2d6bdb13a984468a9e0dba5468a7e7e7
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metadata:
{"chroma:document": "I contacted Citi the LiveChat (which they notify you is being recorded, aha) on their website. I asked the representative whether Citi would refund the Global Entry fee on the Citi credit card I have. He said yes and I re-asked couple times to be sure. He re-assured me they would refund the fee, I just have to call Citi. So I went ahead and made the purchase, contacted Citi after the transaction posted, they told me I have to wait for the monthly statement. Contacted them again after the transaction made it to the monthly statement. This time they told me they won't refund it. I let them know a Citi representative I chatted with told me they will and they said they'll open a case/claim with some Citi department that does have access to the chat history."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 96579c6c6db94d5fb10d30398d96117b
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metadata:
{"chroma:document": "My husband and I have had an account here for more than 13 years. We added a savings account but since I wasn\u2019t with my husband my name wasn\u2019t added. I went into the Elmhurst NY branch to see what I needed to do to get onto the savings and the person I talked to said, \"Just bring your husband and yourself and your banking cards.\" Went in today with everything we needed and waited 2 hours, gave all the information and then got told that they couldn\u2019t do it cause we needed proof of address even though I told them that we never moved. I only have a passport cause I don\u2019t drive so I didn\u2019t bring a utility bill with me. The lady said, \"Anything with your name and address,\" so I showed her my online student loan that had my address and name. And she told me, \"No, that isn\u2019t good enough. It has to be government issued or utility.\" But she was willing to take my cellphone bill. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "BBB Complaint Filed: End of November (for those still following at home). Last response: Feb 13. Okay so after another useless phonemail from Jessica today from some Executive office, she has wasted MY TIME AGAIN to state that they are not changing their decision on their faulty bullcrap addition of Payment Safeguard on MY ACCOUNT with NO PERMISSION despite my OTHER CARD BEING REFUNDED from the last lawsuit. Telling me I opted into this during a card activation is complete garbage. And then you tell me you tried to communicate about it twice years later? BULL. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c28832258f204fe6aea86d2c8f26c764
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{"chroma:document": "There is always a problem with Citibank's stupid website. This week, the bank is conducting maintenance and as a result, I cannot see any of my checks online. An online representative told me that they can send me the image of the check I want to see in 24 to 48 hours but that I can open their e-mail with yet another stupid password. How absurd; 48 hours later I still have not gotten anything. If it was not such a hassle, I would've switched all my banking to Bank of America, which has a superb website."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1c86479ea71b4c228e041e5e945c5478
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{"chroma:document": "Citibank refused to refund my dispute charge $350 since 3 month ago. On Nov. 15th, 2018, I saw there is a unrecognized transaction ($350) on day of 10/26/2018 in my credit card ($350). I disputed the charge immediately and Citibank promised me that they will refund that credit to my account within 3-5 business days. However, 3 month later, They are still convincing to wait 3-5 days. I will sue them for $350 and the time and spirit I spent on it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 464256a4d21c45c7a5420add95f52700
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{"chroma:document": "I received an invitation to open a checking account and a savings account and receive $400 opening bonus. Since there is no branch in my area, I opened them online and received confirmation that the opening balances have been received ($100 in C, $1000 in S) then I wired additional $14,000 to savings. Today (2/11) they can only find $100 in checking. After talking to many \"specialists\" I still have no idea where the funds are. I am going to forget the bonus and close the accounts. I will never fall for the \"invitations\" from Citibank again!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9735277080db4d1599318bebfddb29e9
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{"chroma:document": "I opened Citi checking and savings accounts online and used EFT to transfer $15,000 from my local bank. Then a few days after the EFT cleared Citi sent the funds back to my local bank and sent me a letter saying I need to send the funds in a check by mail to their processing center, which I did. They also sent me a debit card and PIN and a welcome letter. Then they closed the account and I can't get anyone in customer service to tell me why. I'm employed and quite wealthy, a homeowner many years at the same address, with a FICO score of 830. I opened the accounts to get the $400 bonus, and intended to satisfy their requirements. I've wasted hours dealing with clueless customer service and equally unhelpful 'personal banker' representatives. Very frustrating. I guess Citi doesn't want my business, and from now on they won't get it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Signed up for their secured credit card while I was repairing my credit. The card is supposed to \"graduate\" to a normal card after 18 months and they return your security deposit, as I was approaching my graduation date I called in to confirm, was told it was just a few days from then. The day comes and goes and I call back in to confirm the security deposit was being sent back, but instead was told my card would still have to be reviewed for ANOTHER 12 MONTHS. I had check and I had made all payments on time, they stated that because I had gone over my limit on a few occasions as the reason, but that doesn't matter if all payments are made on time and it's never been over the limit at any statement date. RIPOFF... SCAM. Don't get any secured card from CITI. They will never return your deposit, or graduate your card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 458a1989ae9548df9b79350dc7b17d58
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metadata:
{"chroma:document": "I have noticed some interest charges to my account and gave a call to Citi to address those. Despite not reversing the erroneous charges, they refused to give me an explanation for the charges on my account rather giving an explanation from their behinds. Can't expect such jackasses. Also they are absolutely talking with their brains holding between their knees. Arguing from behind can never get them farther in their business endeavors. I think they are seeing a huge loss in their equity valuations which is making them abuse their customers in this way with wrong charges to the accounts. Sick and Sad to do business with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 990b4dd627d04a88a1e4283c14cf163a
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{"chroma:document": "I have been a Citibank Customer for 30 years. I was recently charged a service fee for my account being withdrawn. I received a credit but asked how can I get an alert. The customer service rep let me know by app, online or branch. I went to the branch and they said they don't do this, I will have to use app or online. I don't want to use app or online for my computer has been hacked before and I don't want to worry about the phone getting lost."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 219bfd54ff2d430bafdd8e54fe8d5633
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{"chroma:document": "I have a strong payment history and everything I have ever applied for Citibank has been turned down. I have no problem anywhere else. Do your homework. I will never apply for anything from you again animals."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e2ef374043e24a65a54bdd878b5dd59e
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{"chroma:document": "After 10 years - both checking and savings were frozen and they refused to pay a couple of charges I had already authorized - there was enough $ to cover any charges. I tried to transfer some $ from savings to checking - denied. Already gave landlord check for rent and I'm afraid they'll refuse to honor. I have never been overdrawn, have always kept a decent balance in both savings and checking. I have an 800 FICO score. I have talked to several customer service people and my branch manager - they all tell me there is nothing they can do - it's all up to compliance department."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I went to my local brand Almaden in San Jose after the 1-800 no person told me only way to do what I needed was go into a branch. Person I talked to kept saying only her manager could help and then she called another branch as only tellers in branch and no manager, to get the forms and she couldn't get their email!! They had to email me the forms only to find out they couldn't open it for me at branch."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eee27249f13e479aa0e9dee999ff8ab4
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metadata:
{"chroma:document": "Citibank account in Sunnyvale California. Terrible service. It takes 20 minutes to get to a representative. After which they are totally useless and just don't even attempt to help. My check deposits never show the physical picture of the checks. It is so frustrating to see what the deposit was for. And if you ask them to show the picture of the checks you have deposited they charge $5 to do so. How cheap is that. Jeez. Shouldn't this information be available to customers for free. It's all about money and fees. They don't even give a good interest rate compared to other banks. Everything is a long drawn process to get anything done. I would not bank with this bank ever again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e332b36f57784104b19f2736a1140112
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{"chroma:document": "When my father passed away unexpectedly in December of 2018, my mother was tasked with sorting out our family\u2019s financials, including making sure various accounts were in her name. My parents have been Citi credit card holders for the entirety of their 31-year marriage. When my mother contacted Citi following my father\u2019s passing, she was informed that although they were both listed on the account, he was the primary. Even after explaining the circumstances, Citi refused to transfer the account to my mother so that she may become the primary (I\u2019d also like to note that the account did not have any debt on it), essentially leaving her to cancel the account as the only option. My parents had over 100K in Citi points, which was doled out to my mother in gift cards as it could not be redeemed any other way."}


created_at: 2023-11-04 20:04:30
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{"chroma:document": "On November 3rd I had close my account with Citibank and was told that the money will come in a check in 30 days. I still haven\u2019t get my check yet and I have over 1000$ in the bank. This is ridiculous. Some people have life. Citibank is the worst bank ever. Every time I call they keep telling me to wait. I can\u2019t wait anymore. I need my money back."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 48154d556bf3464fb72165beccf3fca4
encoding: FLOAT32
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{"chroma:document": "I went into Citibank in Covina to go and get my direct deposit form and the lady printed me out my direct deposit form with my routing number and my account number and so I looked at the routing number and the routing number does not match the routing number that's on my checkbook. But the thing is that I went in there and I told him that this number does not match the routing number on my checkbook and they told me that it is the routing number for the State of California. I'm like, \"No it's not because I know the routing number by heart.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7fd69b89695e4c1a9df286046e814429
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{"chroma:document": "I had been a Citi user past 3 years, each and every time I run into a problem I used to think maybe it is my bad time of the day or maybe there might be some technical issue as I myself being a sys admin. But the fact is these guys are not at all trying to improve or learn from their mistakes. Worst User Experience, I don't know how these guys are even deploying the code into these real environments. Sometimes some features won't work, Like chat which is the basic feature. So I had decided to let go this bank and will move on to some other well-maintained bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 45c12f41a313440cbd9b7619269f8138
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{"chroma:document": "Your Company needs a new CTO! Have not been able to gain online access for over 35 days - your password recovery system is down - called your customer service and was transferred to gosh knows where and then some guy gives me foul story that it's my browser is not compatible with the CITIbank online banking (Latest Apple MacBook Pro with Safari, and same issue the Citi mobile app). I'm a IT professional - it's not my browser. It's your system- Then after I pressed him he admitted it has been down for only today which then I had to remind him it's been for over a month with regards to the password recovery section!! This is why bank at BOFA! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ca8376f716b047ec966cf45840b14497
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{"chroma:document": "My card was fraud. Someone stole my card's info and spent over $4000.00 on the card in Boston, but I live in Texas. The Citicard closed my card (that's what I want), disputed charge (good), but won't refund me and close the case (Why?). Autopay enabled --- my mistake."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8b430c6aa06b4c8dbb445a28a87767b8
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{"chroma:document": "I walked into the branch on 10680 Pico Blvd, Los Angeles, CA 90064 with my business partner to open a partnership business account. I\u2019ve opened several business account in the past and have also been a personal banker myself, so I understand the process. ** helped us out and mentioned a number of times that she needs to make sure we are not laundering money or using this business as a front. I was caught off guard and confused, we have our partnership agreement, tax id forms, and live website. Nonetheless, we continued with the account opening, she mentioned they need to verify a few things on the back end and account should be open in about a week."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 883f8c17d65b4a43aff7b1e13df50737
encoding: FLOAT32
metadata:
{"chroma:document": "This was by far the worst experience I've ever had with a financial institution. I signed up for a Citibank account because there was a $400 bonus they offered if I deposited $15,000 in the first month. Trying to transfer the funds, as well as validate my account, led to countless customer support phone calls addressing my account having a block placed on it, Citibank blocking my bank transfers, Citibank not allowing me to use the funds once they entered my account, and Citibank ultimately closing my account without notifying me and claiming I had never validated my account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6699123b5f494c608625cfed6f184111
encoding: FLOAT32
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{"chroma:document": "I spent 1hr and 25mins on the phone with Citibank\u2019s customer service because my checking account was charged for a loan that was paid off with a zero balance days earlier. Their representatives and supervisors are extremely rude, lacks knowledge and they are extremely unhelpful namely two rep. in particular whom state they were supervisors \u201cAngel_ID# **\u201d & \u201cAna\u201d. I was placed on hold, blindly transferred to the automated system, blindly transferred to the branch all because these reps either didn\u2019t want to help or did not know what they were doing! Citibank represents fails to realize that with customers there will be no jobs. As a result of this incident I will be closing my Citi account. No one should be subjected to this type of poor service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3ef7558b50f7425e975bb44149d1b3b2
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{"chroma:document": "I am beyond upset, angry, disappointed! On January 4, 2019 someone emptied my bank account! I went to pay for something at the second hand store (we are tight on funds right now) and my card was declined... This had to be wrong because my husband had just been paid! I immediately logged on and noticed about 8 charges...totaling over $2000! Everything we had! My heart dropped! I immediately called the bank... "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e610ff43c24a495593c7d3356bc9b91b
encoding: FLOAT32
metadata:
{"chroma:document": "Despite sitting by the window in broad daylight and having an additional lamp shining over my check, Citi's mobile check deposit refuses to accept my picture, citing a different error each time. Service representative suggests exactly the same thing app does, refuses to pass a contact. I can email the images to deposit my check."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 53fc85e7bc4a4ca495937f12ce64e899
encoding: FLOAT32
metadata:
{"chroma:document": "Every time I contact this financial institution I always feel confident and all my issues are handled by people who are there to assist and accommodate their customers. Never was I left unsatisfied with their professional personnel! Keep up the good work Citibank???"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 07949c64b9314b29955f6a450d247860
encoding: FLOAT32
metadata:
{"chroma:document": "Citibank has the rudest employees. There isn't a single person from the States that picks up their credit card phone calls and there is no point in having an authorized user because they don't want to talk to them, and they can't handle anything. Beyond nasty."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9a42e0863e7e44168dc658ca9d762dc1
encoding: FLOAT32
metadata:
{"chroma:document": "New bank account incoming transfer rejected with no reason twice. No 24 x 7 service. On phone and chat they ask you to call back M to F business hrs. Very poor website design and extremely poor customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 40fb8b91b62146e7aa722448eb90bba0
encoding: FLOAT32
metadata:
{"chroma:document": "We received a call from a Citibank representative requesting payment for a bill. Following a series of haranguing, blatantly racially insensitive remarks about the pronunciation of our name and how we were not the \"cultural types\" of customers Citibank usually deals with based on our last name, we asked to be transferred to another representative so we could substantiate our bill and the deactivation of our cards. The insensitive individual persistently refused to transfer us and finally pushed us off with a comment, \"We will come after you and keep on you!!!\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 709c2a1d8d734ea3b7d87353ccd4ab25
encoding: FLOAT32
metadata:
{"chroma:document": "If you deposit a check by phone you have to wait 7 days before the money is available even though check has been already clear. Of course nobody inform you about this before opening an account. There is no such a issue in other banks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0ba396f61e62499d83fd666f1a9739ee
encoding: FLOAT32
metadata:
{"chroma:document": "If 0 stars would be available I would give it to Citi Bank credit card customer service! Paid off my card, lost it one day and called, reported it lost. After 2 years I see 174$ balance. I call them to ask where is it from. They cannot even answer. They direct me to collections department. Always had bad experiences with them and that's the reason closed my card permanently not to deal with them!!! The worst customer service ever!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 46ae260c3ff349309da1f71ac5eb7751
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a Citibank account last May, they sent my account info to my old address not my current address. They knew the current address was where everything was supposed to go. My ex-husband wound up getting my account info and tried to use my account. So I opened a different Citibank account. On 12/26 I made a cash deposit and was only credited 20 of an over 300 deposit. Nobody can tell me what is going on other than I need to wait the 10 days for provisional credit. Well the ten days is up today and they are telling me I still have to wait because in their end the 10 days isn\u2019t until tomorrow. That is all they will tell me. They will not let me speak to the person in charge of this investigation or give me any updates regarding it. I\u2019m starting to feel like Citibank just saw an extra couple hundred in their ATM and decided to keep it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5af23c10444f4f0eb2259b498bf41deb
encoding: FLOAT32
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{"chroma:document": "I ordered some personal checks from Citi ONE MONTH ago, called 3 times to ask the status, and I have NOT received anything even up to now. Today I called again, and Citi told me a mistake occurred and they NEVER actually placed an order for the check. I was like WTF??? It has been a month, every time I called, they told me it is on the way, and by the time I need to use it, Citi says they never placed the order. The check fee was deducted one month ago already!!! It REALLY sucks!!! I wasted so much time on this simple request to get personal checks. Citi sucks! I am leaving this stupid place!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 88687a0f72bd4a83a9f9f7e4f6e66421
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metadata:
{"chroma:document": "I opened a promotional offer in July which offered a bonus award of $400 if I kept $15,000 in a checking account for 150 days. The 150 days was up on December 10, but I have not received the $400. Three bank employees in two different branches have opened disputes files but nothing has happened. I opened the checking account at the Laguna Hills, Calif. branch. The manager is involved in this dispute but she is incapable of solving the problem. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d7865c32f4124664ba34da54902d5cfe
encoding: FLOAT32
metadata:
{"chroma:document": "If you are lucky enough to actually find a contact number for the right department you have made a great start. After being kept on hold for ages you get a representative who you can\u2019t understand because all you here is crackling. Three transfers later you get an extremely rude person who you wind up getting very frustrated with as they are reading from a script and are reluctant to transfer you to a supervisor. You then find you are charged for something you never purchased and are apparently overdue because you never received a statement and could never question the transaction. Oh by the way this is after I had closed the account and shredded the card. You will then out of frustration pay the amount. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 27e2e2c7ee6141dfa78c1247bdfdd067
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metadata:
{"chroma:document": "Quite disappointed with my Citibank experience. I opened checking and savings accounts a couple of months ago but have multiple issues since then, including: 1. After opening a checking account, I had to call them to \"activate\" the check writing feature. 2. Sending money from Citi to my wife at another bank was blocked multiple times. Every time I had to spend 30+ minutes on the phone. 3. Calling for support they ask way too many questions to get access to the account. Just overall very disappointing experience, and I'm leaving this bank and going back to my old bank as soon as I'm finished with this review."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 409a9a12e14f4e6984e1865f4323622f
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{"chroma:document": "I have been a member for over 8 years, and have no issues until last week. I had made an external transfer to another account for 50k. I was charged insufficient funds fee of $34 even though there were sufficient funds in my account. I called the Citibank customer service, and they could not find my account, using my SSN, DOB, name, etc. They asked me to go to nearest branch and this was after 45 minutes on the phone with customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7ab26866fa4e4ba9b9175957e8a279e2
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{"chroma:document": "After being with this \"bank\" for 30 years, I called and asked them to please force pay my mortgage payment that came in last night as I had put in the funds to cover it in my checking account this morning. They put me on hold for over 20 minutes and then told me they could not because I had 3 overdrafts in the past year. What the hell does that have to do with paying this for me? It's a MORTGAGE payment. Then this moron insults me by telling me that because I transferred funds from savings to checking and put cash into the ATM, that they didn't consider that a payment. That it had to be done at the teller. Is she stupid or what. It doesn't matter how it got in there!!! It's in there."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c624e0b8ec72416c88be357ebb0e5ea3
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{"chroma:document": "After receiving seven calls while at work from the same number (I ignored them because I was at work and the number could not be called back) I finally answered when they called. It was a man with an offer from Citibank. After asking him to take me off their list, he continued to ask if I would \"sue his **\" if he didn't and ask what was I going to do about it. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 31aa043d68d14f60934fc05b232be710
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{"chroma:document": "I called today to detail that I did not receive my Costco Reward with Citibank. It was for the amount of $213.03. I called Citibank twice on this issue. Once before then the last time was November 6th, 2018 stating that I didn't receive my reward. They said they mailed it. I stated that we did not receive it. They said that because it was past the December 31st cut off date that they would not be able to reissue that to me. I spoke to 2 supervisors. The last one was McKenzie in Kentucky, as she said she could not give out her last name. I stated that I did not know that the 31st was the cut off date, otherwise I would have called earlier. After I receive my 2019 \"reward\" from Citibank, I will be no longer working with Citibank and will choose another Credit Card company to do business with. Very disappointed at the customer care and concern from this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0df5934117324feab6ae340e3f96ffa1
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{"chroma:document": "First off, I was a Citibank client since 1976. In November 2017 Citi send me a letter telling me that they would be closing my checking account and savings account. A couple weeks later they told me they would be closing my Citi IRA. I tried to get a reasonable answer from them and was told in a form letter that they could do it for any reason or no reason if they wanted to. I moved my money over to a different bank. I called Citicard to find out if they would be closing my ThankYou account. They assured me that they were separate and I had nothing to worry about. I brought my card on vacation to Mexico since they have Citi branches everywhere. And they closed my credit card account with no warning whatsoever. While I was on vacation and counting on using my credit card! And they took away ALL MY Thankyou POINTS! I would not recommend using Citibank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9d47c3e1d443442ea31bb02bd7a1bc21
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{"chroma:document": "So over a week ago, I applied online for a bank account. Two days later I got an email for signature In case I wanted to sign checks. I don\u2019t write checks so disregarded the email. Then 3 days later they sent an email saying they wanted a utility bill. I don\u2019t have a utility bill in my name. I live with a roommate\u2026in her house and everything is in her name. I called customer service and told them so. I was put on hold for about 15 minutes, then gentlemen came back and said that they sent something in the mail to me regarding my account. I said, \"What?\" He was like he doesn\u2019t know, but asked if I received it. I was like, \"No but I\u2019m.\" He was like, \"Be on the lookout.\" I\u2019m like, \"Whatever.\" I hang up. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4788ebbee74f4d93a24dc802cc539a3a
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{"chroma:document": "Twice in 2018, I tried to open a new account with Citibank so that I could capitalize on a promotion they were offering. The old saying about if it sounds too good to be true...proved true here. I submitted every piece of documentation that was required within the time frame. Each time, spent hours on the phone with them, made copy after copy, enlarging, lightning, darkening, etc., so that they could read my driver's license, and each time they played the game long enough that my money could not be deposited in time so that I could get the bonus. They even went so far as to claim that something they mailed to me was returned to them, but they couldn't tell me who returned it or what the error was, whether it was the post office or their own internal systems. They made it absolutely impossible for me to meet the requirements. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 398864c927fb43679a76f0acff30b3ad
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{"chroma:document": "I accidentally deposited the wrong check into my new account with my phone. I've called them several times and they tell me they cannot cancel the deposit or reverse it. I have to wait 7 business days to see what is going to happen with that check. Until then, I do not have that money to pay rent, buy food or gas to get to work. If I had accidentally deposited a check made out to someone else they would cancel the deposit in a hot minute. They do not care that it was a mistake. They do not care that it means I have no money to live. They do not care that they can cancel the deposit or reverse it. Citibank workers are lazy, they do not want to do the work that it would take to fix this mistake and make it so I can pay my rent and have money to get to work."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ab5604639a844b52a69d1738a617950f
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{"chroma:document": "I deposited a check on the 22nd of December, it's now the 27th of December, and after waiting for this check to clear so that I can pay my bills, Citibank decides to completely lock down my debit card account because the check mentioned earlier bounced. This account lock came with no warning, no email, no nothing. I had to call them and find this out, and not only are the funds from that check not available, ALL MY FUNDS IN MY CHECKING ACCOUNT ARE LOCKED UNTIL FURTHER NOTICE!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 29d825d6a05d4a0e8ecc72f88d7d40d1
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{"chroma:document": "No one there is on the same page. I have talked to several reps on different occasions and always have been getting the runaround. This week I'm done with Citibank. Rep informed me to deposit my check this instant, however they put a hold on it as it's a large amount. Talked to someone and they informed me 24 hours it would be cleared. Talked to another representative and they informed me it will be 3 days I will see a small portion released ($200) and then after the 5th day my full funds will be released to me. This doesn't make sense and has never happened before. This is ridiculous. Note to anyone, DO NOT DEPOSIT WITH THIS COMPANY!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d144d908bf04433e910e9612db99d841
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{"chroma:document": "I have never used my GTC, I do not even open the envelope it comes in. I leave it with our training NCO, yet I continue to get charges and late fees then Citibank deducts it from my paycheck. When I travel with the Army or get assigned to a school I always use my own money, never once have used ** bank's GTC. I do not know what sort of contract they have with the government but they hundred percent are taking advantage of our service members. I am disgusted that our leaders exploit us like this; I am sure it is for someones personal gain. We need to write and call our congressmen and get help in getting us out of this headache of a contract with Citibank GTC."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fbfd39142e01428c881c78d1bae027a2
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{"chroma:document": "I have been named administrator of my sister's estate and have been approved by the NY court to handle all her affairs. Went to my local Citibank branch on Nov 6, 2018 and presented ALL the necessary paperwork to the bank manager, to terminate her IRA and make it payable to the estate. The bank manager, also called the Citibank IRA dept. to make sure that nothing was missed to start the IRA termination process. All A-OK."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e1aa8fa677044bd1bf8e8cdcb2303909
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{"chroma:document": "I have a Citibank double rewards card. I also have a loan out with Citibank. Let me start buy saying I have a 100% payment history with every single card & loan EVERYONE! No late payments. Nothing! Citibank decided FOR NO REASON! To take away my remaining credit which was 75% & leave me 45$ of available credit. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0cc6ac6f2e25477f9c0d83f60d6fd647
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{"chroma:document": "Okay just got my answer from Citibank today. They hijacked me while I was making reservations on American Airlines and I couldn't get off their page to get my tickets until I filled out the application. Just told by their 1ST in COMMAND, they will do nothing. I was suppose to get $200.00 toward my flight and 40,000 miles. I did not go to their site they captured me and I could not get back on American Airlines until I finished filling out app. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb901e0ab2a74717936674b7a3f1a692
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{"chroma:document": "Pardon me if I say some Citibank officials act like the members of Sicilian mafia. We are senior citizens and surviving on social security income. My wife social security comes in Citibank account. She used to have a safe box. In 2006 before moving to Alameda county she closed the safe box and returned the key. In short since 2006 we didn't received any bill, invoice, correspondence, phone call from Citibank regarding the safe box or any dues. On Citibank online account there is no indication of safe box. All of the sudden last week they took three hundred dollars from her social security account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ac147ece223d41deaca7646047cecaf0
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{"chroma:document": "Citibank has no grace period when you are paying a bill so if you are mailing your payment give it like 2 weeks, or they will charge late fee upon late fee. When I would mail out the payment about 6 days before the due date it would not always make it to Citibank before the due date. Which I guess is my fault that the USPS did not get it there on time. They need to be a little smarter and look at the postmark on the envelope, that would be a tiny bit of good customer service on their part, which they are greatly lacking. Also tried to pay off the mower within the no interest period and spoke with a lady who helped arrange a payoff. We did our part and sent in the payment before the due date and they are still saying we owe them the remainder of the balance. "}


created_at: 2023-11-04 20:04:30
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{"chroma:document": "I recently made a mistake when paying my monthly bills and forgot to hit \"submit\" or \"send\" when paying my Citibank My Best Buy Visa card. I recognized my mistake when the amount was not deducted from my bank account. I called the company and told them of my error and I need to bring my account to current. I asked if it was possible to waive the late fees since this was my first time being late. The gentleman said no problem and he told me to make my payment minus the late fee and it will be waived. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a5455daa985a4e1484809b502defc904
encoding: FLOAT32
metadata:
{"chroma:document": "We've had an account with them since 2002. In 2012, we changed it an LLC account. We used this account to collect rent and pay a mortgage, escrow, and related bills to this account (to Wells Fargo). We understood completely that Citibank was doing a review of our account. On October 25, 2018, my husband called them to find out exactly what documents they needed from us. Before leaving for a 5-week trip to Ireland that day, my husband sent them the information they requested. He got a response that they had received the items requested. We went off on our trip and returned home on November 15, 2018. On December 3, we found out from our tenant that our account had been blocked and he couldn't deposit his rent."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a8622fdffb254cdeaad987ae70405d3b
encoding: FLOAT32
metadata:
{"chroma:document": "Sudden demand of endless intrusive questions re, my assets, no loans, just several business checking accounts, stating they will freeze the funds if I don't answer where the deposit money came from. No explanation for inappropriate question and threats."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e30eac21645e4bdd84e1b03027bda840
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{"chroma:document": "I am forced to use a Citi Travel Card for DoD travel, and if I had the option, I absolutely wouldn't. The service when you call is absolute garbage; they have as many options to keep you from actually speaking to a human being as possible, and expect to be on hold for at least an hour, easily. Absolute garbage service, so of course that's why the government uses them. Terrible, I wish I could use another card vendor. Citi's customer service wait times are absolute trash. I've thrown away so many hours on hold. Hate them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b8a714da30284f7a954416019a357e1e
encoding: FLOAT32
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{"chroma:document": "I have had a Citibank account for a little over 2 years, in that time they have gone from putting a 3 day hold on my bi-weekly payroll deposit to putting a 5-6 day hold on my paycheck. I work for a small company that cannot get direct deposit otherwise I would. So to avoid the hassle, I started cashing my check and depositing cash. Never has a single check in my account bounced. Never had a single issue other than them holding my money for extra time after the money had cleared my boss's account. After a few cash deposits and no holds on my money I am thinking I have things worked out. Nope. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ea20fb86ef1f46009791298ff9390c80
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{"chroma:document": "I filed the dispute charge to the Citibank. The bank gave me the temporary credit. However in 90 days they took money back without any notification! I found out that the following conditional credit was revised only when I reviewed the paper statement month later. I called to the bank and asked for details. The bank representative told me to check E-communication message on the Citibank\u2019s website. I\u2019ve never heard about this e-communication folder (very hided on their website), and I was never told or notified by email or text message that the bank is closing the case."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 448581085da3499293e923bac1b79134
encoding: FLOAT32
metadata:
{"chroma:document": "As a Citibank customer, I have had the worst experience ever with this banks. I made a purchase on 11/6/18 at Murphy USA in Lexington, SC. The bank did not post the transaction until 11/28/18 along with reflecting as if I made the transaction on 11/27/2018 of which is incorrect because I have my receipt reflecting that transaction took place on 11/6/18. As a result, there was a \"bank debit\" for $34.67 of which mysteriously disappeared with my money on their end but I have downloads from my statements reflecting differently... SMH... The absolute ** worst based off of my experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 30e41c711c8748fca414c17e223781aa
encoding: FLOAT32
metadata:
{"chroma:document": "Citibank branch manager, Micheal **, refuses to accept the NOTARIZED, signature of my 97 year old mom, claiming that it is not sufficiently similar to her 1966 signature. Do they not understand that various factors (ie. time, medical) account for differences over such a period of time? Apparently not. Moreover, the sole purpose of requiring a NOTARIZED signature, is to authenticate same; thereby rendering what is otherwise a arbitrary and subjective opinion moot. If this is your idea of making banking easier for your customers, then my family has been with the wrong bank for the last 40 plus years!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 342e144e8fff42cdbe621c9727e6e09f
encoding: FLOAT32
metadata:
{"chroma:document": "It took me an hour searching different Citibank websites to just redeem my rewards. It was a \u201cdog chasing its tail\u201d experience. Failed. Had to call them. All sites directed me to Citi Mobile and Citi Mobile directed me to the accounts. Terrible experience\u2026 They go rogue when it's money due to you. My experience Happened before and that\u2019s why I didn\u2019t. It\u2019s all about \u201cbait and switch\u201d."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 87627387c45f40dea3a5f173d86c0fff
encoding: FLOAT32
metadata:
{"chroma:document": "I wish I could give zero star. Opened an account in May for $400 promotion with 15K balance for 60 days. By Sep, the credit never came so I called my banker. The banked promised the credit will come in mid Sep. By end of Sep, the credit wasn't posted. So I called the same branch again and the banker was no long with Citi. Another banker took my call and spent more than 30 mins to explain the situation and looked at my account, she said, \"You met all the requirement and you'd get it in early Nov.\" In early Nov, I called again since I still haven't received the credit, and I was told I should be received by end of Nov. It's Nov 26 and I am still not seeing the credit posted..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dafbf8d99c1443eeb0898b499b5bced8
encoding: FLOAT32
metadata:
{"chroma:document": "I deposited $400 into an ATM. The deposit window opened and took my cash, but did not recognize the deposit. I went inside the branch to dispute it, but they do not service the ATM. Never got my money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c21d54f572184df7afba1501e1b385e8
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a Citibank Business Customer for 7 years. I frequently have used the Citibank app to do my banking. When I started having trouble with the app, I deleted it and reinstalled it 4 times over a period of 1 week. Finally, I made the mistake of calling Citibank to ask for help. After speaking (being passed around) to 4 different people, the Technical Support Supervisor asked me to send a screenshot of the problem I was having (WTF?). I asked: \"You want me to take a screenshot of a little gray box with white lines just going round and round for several minutes before it finally times out?\" Answer: \"Yes.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f3e88a1e25274336ae2853cec836a3cd
encoding: FLOAT32
metadata:
{"chroma:document": "I signed up for the 400$ promotion for a 60 day 15k balance. Promotion never paid, so I called customer service, was told I was never signed up for the promotion. They scammed me and never paid. Don\u2019t bank with these crooks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3c36d9cd7c3a40698eb2d7ee271e55b5
encoding: FLOAT32
metadata:
{"chroma:document": "I've never had such a BAD EXPERIENCE WITH A BANK AS MUCH AS I HAVE WITH CITIBANK; there are no nearby full branches, sometimes I have to drive at least 40 minutes to get to the nearest branch, Even when there, there are long lines, ATM do not work; this is even with living in a big city like Fairfax. Their fees are ridiculous, and customer service is poor! Stay away at all costs!!! CITIBANK IS JUNK! AND SHOULD BE CALLED CITI**!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8667d5ecf3ae4eadb5398e984c90345d
encoding: FLOAT32
metadata:
{"chroma:document": "10/22/18, I discovered four $6-18,000 fraudulent charges on my cc; a month later they are still on my card and under investigation. Citibank has called to verify $3-400 charges but let $36K go through. I've had my card for 35 years w/no issues. Can't get an answer, response or resolution."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0a8d01ef4af044bf9640c8944e1f3811
encoding: FLOAT32
metadata:
{"chroma:document": "With citibank they say I was 30-60 days late. Payments was paid. No one helps me. I called them =**=ssn=**. Email me **. Look on report ##equifax 18885487878. ** I have statement from my bb#t bank. I paid them March-24-2017. Paid in full for Feb-March."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 124c8095ed60491ba27193c62e8e813b
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve been a cardholder with Citibank for many years. I have 3 cards with this bank. Always on time with payments always paid off or above minimum payment. In great standings with a great Credit score. Well life happened to our family and we got into some more debt with other things. BUT, still managed our accounts with Citi with perfection. Well one day they decided to take away all of our available credit with their cards. Thousands of dollars that was available in our minds as an emergency, GONE. So much so, that it made us maxed out on one card, and over the limit now on another! Never in my life have I almost maxed out a credit card. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d1ae3be932504a45986569842ddef64b
encoding: FLOAT32
metadata:
{"chroma:document": "Unfortunately Citibank has been the worst experience I have ever had with any financial institution. I bank with Wells Fargo, BOA, Americas First and Citibank and I have had nothing but headaches with Citi. I would not refer them to anyone ever. I have had fraudulent charges with no reversal or response after 9 months of them \"reviewing\", minuscule things that just causes frustration, impossibility opening a business account, undereducated staff with misinformation in departments that they \"specialize\" in. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 082444ff94da4c37923ef7e1313ff2ce
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a Citi/American Airlines credit card after receiving an email through American Airlines. I received the card in Sept. 2018 and began to use it. When I received the card I set up an online account to pay the statement balance each month with auto pay. I received confirmation that the auto pay was set up and the full amount owed would be paid Nov. 1."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 87ee6669a5fd496b90368870a9a448f6
encoding: FLOAT32
metadata:
{"chroma:document": "Citibank's Know Your Customer program is some unit doing account analysis, supposedly to go by the guidelines US Government has given them. The attempts to get more information from our business range from phone calls to encrypted e-mails. The e-mails have all different languages displayed and therefore seems suspicious to me, could be phishing? We never opened the e-mails and didn't believe the phone calls were from them, didn't banks specifically tell us NOT TO OPEN any e-mails or give information over the phone? It could be anyone. Next thing I know, we have our account blocked. The account can't be credited or debited until the \"manager team\" has reviewed and analyzed the information I submitted to them. I feel like I am being punished. I'm stressed out that some of our checks or payments don't go through. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5c3c9584c63547018e668d7538e65dd6
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with Citiback since 2001 and recently have had nothing but bad experiences. Today, for example, I called to find out about fees that I am newly receiving. I will take a step back and mention that when I was with Chase and something unexpected hit my account creating an overdraft, I would receive a text so that I could move money and not get hit with fees or returned checks. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2829d085f7f14e2bb72f86849b259ac5
encoding: FLOAT32
metadata:
{"chroma:document": "Citibank is by far the worst experience I\u2019ve had in over 25 years of banking. My Husband and I open a Citibank account as we were moving out of the country for work and wanted to be able to move funds for easy access as the country we were moving to has Citibank as well. Long story short, we\u2019ve had issues with them over the course of the last 5 years with Citibank. Many times we\u2019ve had issues with login on their app & online and note that I have other bank accounts and I do all my banking online, so not user error issues. The following issues were the worse:"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5007a8ffc9d94ab088a2488a04fb7e72
encoding: FLOAT32
metadata:
{"chroma:document": "They raised my interest dramatically on my credit card and I called to work something out.... I had 23 loyal years with this bank and I had a 800 credit score.... I was so upset that I said there has to be something you can do so that the payments do not rise 125 percent or I will have to look at moving my accounts to a new bank. They on their own closed the credit card with no warning to me. I was in Florida on vacation and was stuck there. Citibank refused to open the card stating that I was leaving anyhow.... I had to borrow from friends and I opened a new account in Chase and since then been very happy... Citibank to me is the worst bank in America."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7ee7ffc3ff3a4857a4cf0f6118e25099
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a Citi Double Cash Cardholder for years. The card works like any other, except that it has a generous 2% rewards program. I had been pleased with the card previously until I had an issue with a charge. I reported it to the dispute department. Long story short, I am claiming that my dispute was accurate or not, of course I feel that it was, but the dispute department bungled the case so much that the time frame for managing such a dispute expired and I was informed that my case had been terminated as a result. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 141787026267407888d48c895b037ba0
encoding: FLOAT32
metadata:
{"chroma:document": "Signed up with Citi under a promo for $600 to transfer 50k. Did all they said and well after the supposed date they finally credited me $400. Submitted several complaints and never received the full amount promised by the promotion. Awful bank and the worst customer service I've seen. Closed my account. Stay far away!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ab45b9ea8d2343669e71ea1c86837e68
encoding: FLOAT32
metadata:
{"chroma:document": "I cannot believe what a headache banking with Citi has been. I absolutely love their Citi Double Cash Credit card so I was excited about being able to use them for the savings/checking accounts as well. These bank accounts have been nothing but a big headache from the start. Would not recommend anyone bank with Citi. Once you have your money there it is next to impossible to transfer to another bank account. Zelle regularly does not work which I have never had an issue with for Chase."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f00b704c928747b18ff1a5b4918606dc
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a Citi card member for over 35 years. I had always been pleased with the benefits and conditions that came with the card. My opinion has drastically changed however. I had been aware that I needed to notify the Fraud Unit of any out of state or unusual purchases I made. I attempted to notify them of purchases that would be made shortly. I was told that I would have to call again within a 24 hour window. I called them to tell them within the 24 hour window of a purchase. I felt somewhat confident that this would be honored. The large purchase is seen as pending on my account. Then our daughter who resides in another state, attempted to purchase gas which she has been doing for the past several years, several times a month. The transaction was denied. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2186bb02f381413991aa0442ff12969b
encoding: FLOAT32
metadata:
{"chroma:document": "Long time customer. Citibank closed 2 cards for lack of use. I feel like a heads up would have been in order. I have (or had), an 825-850 credit score. It is my understanding that when a CC Company closes a card, it has a negative effect on one's credit score. Doesn't really matter, I doubt it will bring my score down that much. But it's still annoying. I will never knowingly do business with Citibank, ever again! Shame on you, Citibank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7a3529dd6f024d19be0b0b1374899fda
encoding: FLOAT32
metadata:
{"chroma:document": "Do not ever put your bank information for payments into Citi.com. They take out the payment from each account that you list for the account for the transaction. When you call customer service you get no help when trying to correct a payment that they have taken out of your account. They cannot track what they have done and it takes days to get this resolved, if ever. The two people I talked to today provided no help whatsoever. Meanwhile, my bank has charged me overdraft fees for their errors and they do not claim any responsibility for this. Very dissatisfied with Citi.com."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ada9ff51fa1f4a1c8b444c2a0e02c5f6
encoding: FLOAT32
metadata:
{"chroma:document": "SAME as Ken of Lemoore. 21 Years business checking & 40 years PERSONAL Credit Cardholders. Checking & Savings closed without reason, and 3 Credit Cards closed 2 months later, also without reason (& one of those was Costco's, a supposedly \"small business friendly\" company). Stellar credit, no bounced checks, pay off the CCs every month. Can't get any answers. Not to mention them closing branches left & right. Is CITI really too big to fail? Keep it up, CITI, and you will."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 16f0279b27554d52896398f73afdd348
encoding: FLOAT32
metadata:
{"chroma:document": "Business checking acct was closed with no reason given. Citi Visa credit card was closed 2 months later, again no reason given. After making numerous inquiries, I was told that the \"Financial Intelligence Unit\" was the ones making the decisions to close these accounts. After reviewing the salaries for these \"Financial Intelligence jobs\", I don't think they are very intelligent, just my observation."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d609d88a83594c41b6cfd6ee999bdd1d
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metadata:
{"chroma:document": "What a waste of time... I was purchasing a fridge online and saw a banner for $100 off a purchase of $1000 or more if I open a Home Depot credit card. The banner disappeared but I proceeded to open a card. Note that I have a household income over $150,000 and 700+ credit, but the credit limit I was given was $500, only $2,000 short of the fridge transaction. So now I have a credit inquiry and new card with a limit insufficient to purchase the fridge or get the $100 off. To make matters worse the transaction went through on an insufficient credit card oddly and when I called they said that the website had accepted the order but it was rejected on their end, yet I received no email that it was cancelled, I only found out after calling the credit card company (CITI) whom told me to call the store, whom told me to call the credit card company back. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 572705ae6342468da9f92bb0bf3509c6
encoding: FLOAT32
metadata:
{"chroma:document": "I have been an upstanding Citibank credit card holder for more than 20 years, along with checking savings and even a mortgage at one point. All never late and always paid in full. About a year, maybe more, my wife and child were out on the road away from home, holding two credit cards a Citibank visa and a Macy's card. About midday they stopped working and they were abandoned on the road. Citibank informed me, as well as Macy's when I called the (note they did not call or warn me) that my accounts have been closed. No explanation what so ever. And in a few days I received a letter stating I could write a letter to South Dakota to get an explanation, only to get a letter stating they do not have to explain themselves."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c66a4ee799be4d73a70c746fd6a929f9
encoding: FLOAT32
metadata:
{"chroma:document": "Had to deal with this company for work. They are terrible at customer services, and the entire thing is a scam. They have no ability to make things easier for the customer, just tack on late fees and charges for things that you have nothing to do with. And the card is very difficult to use, it makes travel very stressful and complicated."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 486e13a866cc4d04bc24734129a4fe26
encoding: FLOAT32
metadata:
{"chroma:document": "We had been account holders since 9 years ago. The Know Your Customer program has been contacting us for the past year and we have answered every letter, email or phone call they have placed to us where they ask us to show our source of income to several people in the KYC Program. Apparently this service is not in the US as it seems that many people with foreign accents ask us questions all the time that we have had to explain over and over. Recently they froze our account without any explanation, leaving us in the middle of paying our mortgage, insurance and other critical bills that now we not only have to incur into additional late charges, but we can't access our money. Our source of income is both employment, with proper paystub, tax documents and any document that is asked of us. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 61fcaa730abd4da89571ee62c1785624
encoding: FLOAT32
metadata:
{"chroma:document": "I opened checking account, received checks in the mail. I started using them, got charged returned fees, because checks didn't work. Apparently they were invalid. No one could help over the phone, or at the branch. I closed the account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 007463262b2c412aa1afdcd64e433b7e
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an account with Citibank couple months ago. They closed my account without any explanation. Recently they even closed my credit card account which I have opened couple years ago without any reason. I keep asking myself what I am doing wrong. I called customer service, no one can explain to me. The only thing they said is \"bank decision\"."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ef9545efc1774629a45601fdede55577
encoding: FLOAT32
metadata:
{"chroma:document": "Citibank has introduced a new verification service for Business Accounts, meant to better 'Know Your Customer'. Using the US Government as reason, they want to update information - which is OK. After you answer an extensive questionnaire on the phone, you are supposed to pass more information, through encrypted e-mails. I have had difficulties in proceeding in this way and send 3 e-mails notifying them of my problem. The result: my account was blocked without any direct notification. I just found out when payments were not accepted and returned to me. Citibank will not take any responsibility for this - will not pay for late fees and business headaches. Their explanation: update needed for old accounts. This specific account was open 2 years ago, and no changes happened since then. Conclusion: I will close my personal account and my 2 Businessmen accounts that I have with Citi. Citibank KYC = they really know how to kill their customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 67e068af529c4152b64db8bdf0b0bd64
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{"chroma:document": "Someone Stole my Debit Card and made Unauthorized Purchases. I opened a Claim with Citibank. After a month of Nothing I call to find out what was actually going on? They tell that someone called my phone 1 Time and I didn\u2019t answer so they closed claim! So after opening another claim and waiting another month they say that money was not insured and there is nothing they can do about it! This Bank is an absolute joke and your FUNDS ARE NOT SAFE IN THIS BANK! Stay Away FROM CITIBANK!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3d198397a45642f4808b3c4d94d80b0a
encoding: FLOAT32
metadata:
{"chroma:document": "We made payments on time every month. When we consolidated debt we called and got a payoff amount to close the card and our bank submitted a check since they couldn't electronically transmit the payoff. After the payoff, we had a credit of $100 with them that they sat on for about 3 weeks. I called and had to ask them to send it back after confirming over the phone they didn't need any more money and it was ok to refund us the overage. A month after they refunded us the overage, they billed us $280 on the account after it had already been closed, paid off in full and a credit AND A REFUND OF OVERPAYMENT. I was mad but I paid it due to this company charges 'residual interest'. Note I paid immediately on noticing, I did not wait for the due date."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 40a170cb760845109f947dbd91f29176
encoding: FLOAT32
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{"chroma:document": "So I needed a new bank account because I had been using my college one even after graduating & I thought it was time to get a new one. So I went with Citibank. Got approved for a debit card, it arrived, PIN arrived separately. Tried logging online and the app and it kept saying some of the information I was putting in was wrong. So I called the number it would give me and someone in the Philippines answers. Very nice person and he proceeds to help me and before hanging up he says, \"Everything is fine and your account is activated and running.\" I thought, \u201cwell great! I can finally get direct deposit!\u201d But no. Still doesn\u2019t allow me to create an account. How am I suppose to get direct deposit without my account info? Thank goodness I didn\u2019t deposit anything in this stupid bank! I can\u2019t even access it. I give up. Going to another bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e507402477ae4327b90a8c21d91c0a5d
encoding: FLOAT32
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{"chroma:document": "Never before in my life have I had such a terrible banking experience. I was already wary from all the negative reviews. Nonetheless, I was attracted by the bonus offer. DO NOT FUND YOUR ACCOUNT WHEN YOU APPLY! You are unable to access your funds or make an online profile until they mail your a debit card 2 weeks later! Then they will tell you that you cannot write checks unless you sent them a copy of your signature. Even if you sent it by certified mail, they will claim they never received it. Then they tell you to sent it again, that something is missing, that we had to have our signature notarized, etc."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8e9e0f066b7f4871ae36413901416c30
encoding: FLOAT32
metadata:
{"chroma:document": "I have used Citibank for ALL my banking needs for a number of years. I've had issues along the way (poor response time from customer service, replacement checks getting lost repeatedly, etc.) but assumed it was no better at other banks. Most recently I've moved to FLA where there are NO Citibank branches anywhere near me. I've been forced to use their Mobile Banking App to deposit checks and the only place I can access my money from a Citi kiosk is from a 7-Eleven (that's a whole other problem to say the least)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 05f64de60aeb4b86b7444dd352aa07be
encoding: FLOAT32
metadata:
{"chroma:document": "After I opened a checking account with Citibank in August, they were to send me a some complimentary checks. The checks never arrived since they put the wrong address on them. I contacted them about 50 times and they said they were going to expedite some replacement checks. These replacement checks never arrived either, supposed they put another wrong address on the envelope. I contacted them about 50 times again and was told to wait for 3 weeks. I waited for 4 weeks and called them again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dbccf0be9ea24c6a854a2bd990859f7c
encoding: FLOAT32
metadata:
{"chroma:document": "Somebody stole my credit card to spend 12,000 on Apple products... they stole my phone and even called Citibank. They failed my security password and Citibank still gave them authorization to use 12,000 on my credit card. Citibank REFUSES to refund my money. I will sue the ** out of them. I already did a complaint to the Fair consumer government website. DO NOT BANK WITH CITIBANK AND DO NOT GET A CREDIT CARD WITH CITIBANK."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a7065fae1694a709a5ecf32e18bc72d
encoding: FLOAT32
metadata:
{"chroma:document": "Man ** Citi Bank. They blocked my account without telling me. Then I had 60$ in the account they talking about. I can revive a 3$ check. Man ** all of them. They are a fraud themselves... Do not do business with this fraud bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9ef70c60443947468d30692792c81c14
encoding: FLOAT32
metadata:
{"chroma:document": "My account was blocked. When I tried to seek help from a customer services representative from India, he didn't even bother to listen to my query and insisted on me listening to him. Only to hear all the things that I had done already. Was very rude and having worked on customer services I'd never appreciate this tone of voice. This person whoever he was has forced me to close my account. Thanks a lot for being a loyal customer!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2348e01a1b114859990ecb10d114ef75
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an account with Citibank, deposited money from checking account I had with another bank using check. Citi blocked my account after depositing. I called 3 times and they said there was nothing wrong with the transaction. They let me wait for the check to be cleared every time. After over a month, the account is STILL BLOCKED! Useable cash is still 0! I don't want to use their services anymore, just want to get my money back! NEVER do business with this fraud company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1ca2a110c9d348d68f478d0b2998f472
encoding: FLOAT32
metadata:
{"chroma:document": "I tried to open a new Citibank checking account last week. Today I find that they are insisting that I send PHONE BILL with my physical address and only a PHONE BILL will do. I had sent them my drivers license & water bill & credit card statement & Social Security card copies and they still demanded a PHONE BILL which I can do as it is sent to my post office box. But no one will listen and they keep sending me to some other manager. So finally after 90 minutes I told them to just CANCEL my new account as I'm not going to keep dealing with idiots like this. I had a $25000+ accident settlement check I was going to deposit but their lame customer service has made me open the account with a credit union who are so much nicer and closer to home. Citibank is worthless... just a caution for anyone else."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5170ca6b3a81462891a7b413591a0f46
encoding: FLOAT32
metadata:
{"chroma:document": "If you sign up online to view your account info, in the fine print you are agreeing to eliminate billing by Citibank! You will have to retrieve your bill every month online! We did not read the very fine print (who does?) and found out the hard way about this unethical and underhanded trick. So, we have a later payment and all those fees they refuse to waive. We will pay this off tomorrow, and put the card away for good. Watch out for Citibank!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ec60ef2161114f2a8d33f48c3d4bbf48
encoding: FLOAT32
metadata:
{"chroma:document": "My business account has been blocked TWICE without notice. I rec'd a letter asking for additional information for my business acct. I provided the information to my branch (Stuy Town) AND over the phone. Evidently, the information either was entered into the system incorrectly or perhaps NOT entered at all. The acct. was frozen and that led to about 12 checks being returned to us. We were embarrassed and humiliated with vendors and some companies that we had a personal relationship with."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1138f0d0fc7f428ab30326b6130fba7d
encoding: FLOAT32
metadata:
{"chroma:document": "Why is it so hard to get answer to a simple question? I simply want to know what is the maximum amount I can withdraw at the ATM machine. The phone sent me to loops and loops of phone prompt and asking for my account information, security codes, etc... It is a simple, general question that required no access to my account. What a hassle!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6cdabe71329d455d9258dd09c91000ab
encoding: FLOAT32
metadata:
{"chroma:document": "I went to pay my credit card at the ATM as I had done numerous times before. Now all of a sudden I need a pin. Go online, can't make a pin, go to the bank teller, can't make a pin, can't pay the teller cash either. Ask to talk to a manager, she calls her corporate office, they now have to send me a pin which will take 1 week. I JUST WANT TO PAY MY CREDIT CARD WITH THE CASH IN MY POCKET. HOW DOES A BANK NOT ACCEPT CASH AT THEIR BANK WINDOW? They are useless. DO NOT use Citibank, it is 2018. Banks should be making your process EASIER. Not more complicated."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 709217d92b4244d7a85936d803441ae6
encoding: FLOAT32
metadata:
{"chroma:document": "If you like getting the run-around, be a Citi card member. I disputed a charge for a trip I booked and cancelled the same day, when the vendor didn't refund my card for the trip (which wasn't scheduled for over a month later) I decided to dispute the charge. The dispute team at Citi Card is absolutely useless as is their mngt team. I send them a cancellation number I received from Expedia when I cancelled the trip and sent it to them, 3 times. I emailed it and had to keep calling back and providing it. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9fe06660f0b2413984c45cfcb543a640
encoding: FLOAT32
metadata:
{"chroma:document": "My card info was stolen and I had 14 fraudulent PayPal charges show up on my bill. I thought it would be easy to fix but they totally messed it up and keep billing me for the charges. I am a business owner and have multiple cards and have never seen such horrible customer service. I've spent so much time on the phone just to get passed to someone else. No one cares about doing a good job. This is a big part of their business I would guess - fighting fraud - and they are terrible at it. There was no fraud alert either. I've been a customer for years but will cancel this card after this is finally straightened out. It's been a big annoyance for over 5 months now."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: de28fd49604c451ca7b1a0629bba53ab
encoding: FLOAT32
metadata:
{"chroma:document": "I am a Citibank card holder and my credit card information was stolen. I discovered fraudulent expenditures on my credit card statement, which led me to investigate with the help of Citibank. It's been a stressful and unnerving experience, but the support I received from Citibank was prompt, efficient and professional. Thank you, A grateful customer!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ba032310d51c4cc0961a291e1d85ce38
encoding: FLOAT32
metadata:
{"chroma:document": "On January 29, 2009, I opened an Interest Checking Account with $150.00 and Moneymarket Plus Account with $60,967.08 at this branch. On September 17, 2018, UPS delivered a letter to me from Citi, dated September 12, 2018, requesting that I please contact them as soon as possible; \"Important account information is needed by October 11, 2018. A recent review of your account found that some important information is either missing or out of date. It's critical that you contact us to verify and update your information as soon as possible. Please be aware that because this information is required, if we don't receive the needed information from you by October 11, 2018 your account may be blocked to prevent transactions. As a valued customer, we look forward to working with you to resolve this urgent request so as to prevent any adverse impacts to your account.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c3317bd98d6443019576308f368521be
encoding: FLOAT32
metadata:
{"chroma:document": "Brand new customer and the account already was put on my credit report yet never received the cards. I called and got someone from India who speaks no English and asked me for a formal Word that I supposedly set up (Never did) and would not give me any information. They asked for my phone number in which I applied and said they could not find that. What? That's the phone I set it up with. So, the India guy hung up on me. I have never ever had such a terrible experience with a bank in my life... Ever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bce5af261b864a6685e707988d979cbc
encoding: FLOAT32
metadata:
{"chroma:document": "Good day. I want to start by saying that Citibank has representative that can barely talk good English, and a lot of times they just hang up on you, they never want to credit back the money when you are doing a dispute. I'm going to change my bank they also charge you for fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: edc0ddf75b0a43a3818d047d79f97597
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metadata:
{"chroma:document": "3 months ago, I opened a combo checking & saving Citibank acct for bonus $400. I transferred required amount to that checking and saving. Since the total amount is over $10000 so I will not have account fee. However, bad things - Citi still charges me account fees monthly which they accepted that it is their error (after I called). They refunded. Citi told me that opening saving and checking are not linked even I opened both at the same time and at requirement package. Citi accepted it is it error system and fixed it for me. However it's charging fee and not linking accts above make the minimum requirement balance for $400 bonus affected. Then Citi did not give me the $400 bonus. Damn them!!! Citi is not trusted."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eb9dd717f1fd4a6baaf1a7f202e500c3
encoding: FLOAT32
metadata:
{"chroma:document": "After I was told my account was active and ready to use, I deposited a large sum of money into the account. When I went to use my debit card, it was declined, only to find out that there was a block on my account. Turns out I needed to send in proof of residency (utility bill), which I was NEVER informed about (lie #1). Mind you this was Friday afternoon and the appropriate department was not open until Monday. A whole weekend with no funds. I sent in my utility bill on Monday only to find out it will take 24-48 hours to review... no funds available still. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 86bbeef3790f4d4d9b3d8ccf3667a424
encoding: FLOAT32
metadata:
{"chroma:document": "I paid off a credit card in FULL. I called in and got the \"exact amount\" from an agent to make a balance transfer. The amount was nearly $3,000. The total on the card was $3,500. So I made the payment to pay it off in full, and there ended up being a balance of $40. I disputed the amount saying that I had already called in and done a balance transfer. As a result, I got a late payment mark on my CREDIT REPORT, THEN THE CREDIT LIMIT CHANGED FROM $3,500 TO $500. I called in several times, but kept getting the same ridiculous answer: \"We reserve the right to change your credit limit at any time.\" And I just said, \"No you actually don't, I just paid you $3000 **!!!\" "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 18414769ce0b4f3f92e4b9dd64093c3f
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metadata:
{"chroma:document": "I am a Citibank customer for two decades. Today I wished to transfer fund to my home (which I do often). During \u2018log in\u2019 process my NRE a/c was locked (which I believe is a regular security measure). I called up the customer service for help but I was told the system will automatically unlock after seven (7) days. To my experiences with other banks of your rank, on a similar problem, I have never been on hold for more than a couple of hours to overnight auto-reset of the a/c. I wonder, what kind of service it is, where an a/c cannot be reset on customer\u2019s request within minimum time delay. What happens even after seven (7) days of being stranded, my a/c further gets locked up due to unknown reasons. I request you to look into this matter with due attention and let me know your status of the system. Thank you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4d332a398fcc48fe8731c7487b8fa7b8
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metadata:
{"chroma:document": "Let me start with my disgust and dissatisfaction with this company. I get a notice in the mail that states I\u2019m past due. I have never been late on any payment ever in my life. So obviously I freak and check my bank account and bill pay to see it had posted. I call Citi to find that it\u2019s not actually past due. My payment is due the first WITH a 10 day grace period. It posted on the 4th but you sent the notice anyway. Such a waste of paper and my time. Not to mention you don\u2019t offer online services for a loan. A loan that your company offers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3d7da29b904d4a1d9f1eac55978aa18d
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metadata:
{"chroma:document": "Worst bank ever!!! Deposited a check on Tuesday September 2nd, through the ATM. The fund was a loan for my tuition, was already out of time, dashed down to the nearest Citibank ATM and deposited it, Waited patiently because I knew the check should clear lastest Friday, so I can quickly pay my fees because I was already behind schedule. As at Friday almost close of business, my entire deposit was not dropped, started panicking because I knew I had missed the deadline and I had to call the school to plead with them. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ad0ee8fecf3b4f59ba413d9f99784910
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metadata:
{"chroma:document": "Literally the worst ever! Every time when I want to link an external account there is always an error. I made a payment several days ago and copy pasted routing and account number from my BOA account to Citi and they said they cannot locate the account and want to charge me return payment fee??! I basically copy pasted the number? And what the heck are you doing?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b828e13b49fa4a778e2deb138a5494d3
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{"chroma:document": "The offshore call centers are terrible to deal with. The difference between Asian languages (and nuance) and American English are dramatic. Understanding what's being said is particularly important especially when we're talking about money. The overseas phone connections are also not always reliable. There doesn't seem to be any way of contacting Citi in the US. If you're not near a Citi branch, don't bank with this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7f79f93c7f3c43d8a491f211e6f03b16
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{"chroma:document": "I went to 2 different ATMs listed on the internet but they didn't exist. I called customer service and they told me that the only existing ATM is 10 miles away. I know that there was a branch location 5 miles away but apparently customer service was not aware of. When I went to the branch office they didn't accept cash to pay my credit card!!! That is their NEW POLICY!!! Which bank in the world doesn't accept cash payments??? They refer me to get a PIN on the customer service phone to pay on the ATM. I'm right now 2 hours trying to get someone on the phone \"lines are busy please try again USNN\" after asking me 10 questions every time!!! All for nothing!!! They just hang up on you!!! Worst bank ever!!! I just shopped to use them as my main credit card like 2 years ago but I decided to give another tried this month and I regret it so much!!! WORST BANK EVER!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3a6d7ef13a664b659e52bb64b77fb2a5
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metadata:
{"chroma:document": "I called today to close my Citibank account and was told that in order to do so I had to have a zero balance on my account. I therefore wired the money I had on my Citibank account to my other business account. So far, no problem. Then, I was told that I had to wait 48 hours for the closing to take effect, which is where I have a major problem."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6354342278b44208afc487f9f9634592
encoding: FLOAT32
metadata:
{"chroma:document": "About 3 month ago I opened a checking and saving account with Citibank based on their $400 bonus offer. I deposited a 5 digit amount. Citibank sent me checks and I paid my property tax through the checking account. Check and penalties from the County came back with the note that Citibank returned the check with the remark Frozen/blocked the account. I do not know why and I also never ever received notice from Citibank about this. Also they are not able to establish online service for the account. I spent hours on the phone. Needless to say, I also did not receive the $400 bonus. Citibank is the worst Bank I have ever done business with. Total FRAUD."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2ce64aa4188647b79e08e340325a7b89
encoding: FLOAT32
metadata:
{"chroma:document": "They seriously need to fire the person who trains their people. They have the worst customer service I have ever experienced. They have no idea what they are doing. You have to speak to 5 different people to get answers to 1 question. How pathetic. They need to really work on doing something about creating a better experience for their customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 73eee719fde340618343e5ce9c25d602
encoding: FLOAT32
metadata:
{"chroma:document": "I used the Citibank mobile app to do a Zelle payment. I set the transaction up and the app stated the payment failed. I did the payment again, again the app stated it failed. Right after that I got notified that the payments went through. I sent double the amount of money intended. I called Citibank and they stated they cannot do anything, the money has been taken. This should not be able to happen as the money cannot be recovered and the original message was the transaction failed. Citibank Customer Service was HORRIBLE. I was hung up on twice, they put no notes in the call after the first hangup where I spend 15 minutes explaining my issue. I had to do the whole explanation over again after spending 15 minutes with the phone tree trying to get a human. I am switching banks, the service is horrible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a0df93869781470b9b7987109f1db18a
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metadata:
{"chroma:document": "CITIBANK blocked my accounts. When I called I was told that they needed information from me, a Federal government requirement. CITI sent me an email with the questions which were mostly asking for details about my investment portfolio. Every year I file my income tax returns which includes all this information. I can't imagine why CITI would need me to make a financial disclosure to it. This matter is still ongoing and they have yet to unblock my accounts. I am very disappointed with CITI's lack of respect for its clients - I am a Gold client."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e8874c29715b4affae0d4b00a00c1872
encoding: FLOAT32
metadata:
{"chroma:document": "I received my new card today, successfully activated it online and even downloaded the app and registered the card for convenience. I decided to use it for a small purchase and it gets declined 3 times. After speaking with someone who I could barely understand, I was told that my account is under investigation for fraud and that I need to wait for a letter to arrive via regular mail to verify my identity. How is the account being investigated when I have $0 balance on a $4800 approved credit line?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0210eb085d9647b4bf8eacbc9b38236b
encoding: FLOAT32
metadata:
{"chroma:document": "Offered this credit card at Sears with intro offer to purchase an appliance which was defective and returned. Was charged for 3 stoves, finally credited after 2 months, given back a $600 credit to spend which I argued to take back since it was not my money, confused my account with another customers account. Communicated through secure email, slowly resolving after 2 months, escalated complaint to OCC based on personal experience of how Citibank has mismanaged my purchases and refunds and account. Will be closing out the account once all of this gets resolved with the OCC."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "It happened second time this year. I received a letter from business department, that my account requires additional information. \"Contact Citibank or your account will be blocked.\" OK. I contact Citibank and agent faxed me some forms, then I send them back. It all took about two weeks. Everything fine? No!! I was shocked to find out that my account was blocked without any notice immediately after our contact. All bills, parking tickets went unpaid with all penalties and fines. After that they finally unblocked account. Recently I've got the same letter, I rush to my local Citibank branch and asked local banker to talk with this department. She called, we answered some questions. She said, \"Everything OK, don't worry.\" Now guess what. Next week account blocked again and they said, \"We need about a week to review your account.\" Credit card bills, utilities bills, rent payments... who cares. We cannot trust such service with our daily life."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8fbacbb9f33440eba02e1c71020037a0
encoding: FLOAT32
metadata:
{"chroma:document": "I have received a letter from Citibank in July about 1.6 promotion rate if I opened a new account with them. I did apply online for a saving and checking account. The first transaction was delayed and wasn't show up on time on my account. Their customer service suggested me to contact my source bank to figure out what is going on. I did. After a month, my account has been blocked and I have been told they terminated my business forever and then closed my checking account which I just applied two weeks ago. I keep asking them the reason. I didn't have a clear answer 'til now. I tried my best to communicate with them and I have got nothing solved except being kicked out by them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 28897dbf894c4f6da497e66b20e8b981
encoding: FLOAT32
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{"chroma:document": "I opened a new account with Citibank because they had advertised an attractive introductory offer. When I received my card in the email I called them to activate it and they gave me the runaround when verifying my identity. First, they requested to send me a text message with a verification code. I confirmed the phone number three times before they sent text and the text never arrived. They then asked for alternate number, but then refused to send the text message to any alternate phone. Ultimately, after I made suggestions to send via email which they also refused to do, they said they would have to send me a letter with instructions to verify my identity. Meanwhile, all the online registration to view my account status is all blocked. What a waste of time. I\u2019m looking elsewhere as Citibank blocked me online without even having an activated card and 0 transactions."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 22a8cddafaaa43be80cb6e0c0bf99266
encoding: FLOAT32
metadata:
{"chroma:document": "The process was slow when I refinanced with Citibank, and sometimes I felt as though had I not called from time to time, they never would have picked up my file, but they were very nice each time I spoke to someone there, and ultimately, we did get it completed satisfactorily. Now they have sent my loan to another company for servicing and I am having problems there with getting my payments properly posted."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7312d389381542768671bf28ed875025
encoding: FLOAT32
metadata:
{"chroma:document": "I ran into a little credit problem about a year ago. I had a number of cards issued by Citi retail services (Citi). While I have never missed a single payment on any of these cards they reduced my limit to just 50.00 above my balances. Example I had a 3000 limit on a card with a balance of 400.00, they reduced my limit to 450.00 and each time I pay the account down they reduce my limit again. They want you to have a high balance so they can charge you interest but once you pay down they reduce your credit line. Sorry company, cancelling each card I pay off. I know it will hurt my credit but so is this company by reducing my credit lines."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 454e8862d8964bdfaa91e39d009105f1
encoding: FLOAT32
metadata:
{"chroma:document": "Worst bunch of crooks ever. They allowed my card to be hacked and then want to charge me late fees on an unauthorized charge I didn't even know about (they rather charge late fees then notify customers). Get a card from a reputable company and stay away from these thieves."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e0b92114685b4b7fa7badbf28e1e8631
encoding: FLOAT32
metadata:
{"chroma:document": "Have a mortgage with Citibank. Have had the loan for 20 years - it is an interest only loan. Citibank is very efficient and very easy to deal with. I like this type of loan cause I can do whatever I want to do on the spur of the moment - but dangerous if you can't pay the bill."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ed34f76daac94c339517a8b4ea2ff974
encoding: FLOAT32
metadata:
{"chroma:document": "Their online accounts and website is one of the worst I've seen. They froze our account even when we typed the correct password in. Called customer service (which is overseas and difficult to deal with) and spent over an hour trying to get them to unfreeze online account. Only to find out our password was correct the whole time. They were a mess to deal with. THEN tried to use the card later that day, and they froze the account again! With a fraud alert. Called the fraud dept. Spent another 20 min to only have them say they couldn't verify our identity with the phone number on the account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4882ee01fc08466bb2997021a54337a0
encoding: FLOAT32
metadata:
{"chroma:document": "The State of California levied against my bank account for an 18 year old debt. Citibank honored the levy while also taking their fee for the levy. I told the customer service to please forward my request to their legal department to not levy since the only funds in the account was my Social Security. The bank makes a copy of all checks when depositing. However, the office that handles the levy only sees that there is a check deposited and deemed it was leviable money. The State cannot levy on Social Security and the levy was released. Citibank will not release the service charge of $125.00 unless the state sends a letter saying that it was a wrongful levy when Citibank is the one who levied incorrectly. Citibank forwarded the money to the State of California. Even the State's representative said the Citibank should have known better not to levy. It's now day 20 without resolution."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e108f4a69f194b40b7b92f0ac570f58d
encoding: FLOAT32
metadata:
{"chroma:document": "I was going to get a credit card through Citi to purchase a lawnmower. The woman on the phone was condescending, rude, and even laughed at me. I have good credit but because I no longer use credit cards and my cell phone is on my fiance's name, they denied me. They treated me like a second class citizen, a criminal. I hate this company and their rude employees too."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 60fbd16e49e244b6b37ffb45743186c0
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a loyal customer of Citibank for over 30 years. I have never been late on a credit card or any payment. My son's accounts are linked with mine so I can add to their accounts as they are at college. We have 9 CITI accounts total. Last month I was informed that all the accounts would be closed within 21 days. Including all our credit cards. No reason given. When I call CITI they said they did not have to give me any reason. BTW. There was over $150,000 in my account alone! My Local Citibank manager was shocked, but they wouldn't give her any info. I had to transfer everything to Chase."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6da436fa31c542cf83a9302376dfbc2b
encoding: FLOAT32
metadata:
{"chroma:document": "Citibank freezes your account for NO GOOD REASON. They refuse to inform you what's going on. In the process, they keep your money BY justifying this move with some fraudulent ** that never occurred. To all the people who do business with Citibank, STOP!!! TAKE YOUR MONEY OUT OF THAT CROOKED BANK AND DON'T LOOK BACK."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2b612ac98cc04330a42969837cafd4d6
encoding: FLOAT32
metadata:
{"chroma:document": "After being a 20 year customer with CitiBank, my bank closed and I transferred my direct debit payment to another bank account. Although they had the new account number they continued to attempt to debit the closed account and charge me fees. I contacted them for 6 months and finally paid the balance off due to the monthly hassle. Two Customer Supervisors told me it was my fault they did not have the correct account although it was verified on the online account and in the documentation they sent to me. They used a partial number of the bank account and said it did not match an active account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 803d033606b6424ba39d2528ec7a7986
encoding: FLOAT32
metadata:
{"chroma:document": "Received 2 emails saying credit cards were close. Both credit cards were in excellent standing. Paid on time and one of them only owed $50.00. When I called I spoke with a rep that could not helped, gave me another #, called and the explanation was because they run the credit report and saw somehow as paid late. The rep was no help at all. Now my credit score will be affected. Worst bank ever. Do not help their customers!!! Please do not do any type of business with them!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4743bb97a4234346b6c58676d3c607c7
encoding: FLOAT32
metadata:
{"chroma:document": "While Citibank's approach to branch service is commendable, its tech and tech support stinks. There are two 'Citibanks.' The people side, which I have always admired, and its development interface, designed and run by a bunch of incompetents and cost savers. I felt badly for Sharon, the assistant manager who today heard my complaint du jour - unable to log in to my accounts with a viable and previously used password. This happened TEN TIMES in the past year. Sharon dutifully connected me to a young, senior tech worker and explained, asked her, if she, in essence had the stuff to help with the litany of excuses and frustration. She did not. In fairness, none of the people Citibank employs to handle the tech customer complaint are equipped at all."}


