Citibank
Reviews and Complaints

Today looked at my checking and savings account and they said blocked. I had no notification and chatted their system online (I attached the screenshot that they said it was a purchase attempt) told them I didn’t get notification. I called the customer service line and they put me on hold, came back told me my account was closed couldn’t give me any other information and said they were disconnecting. Then I called back and then the person took my information never came back to the phone. Then called a 3rd time and was told that they closed my account and I would receive a letter in the mail with more detail and would receive a check 30-60 days out. They said they could only give me that information. I asked to speak with a supervisor and they told me that they would say the same. They told me if I went to a branch they would say the same.

How would you feel if you had hundreds of thousands in an account and no one would tell me anything about my funds and I would receive a check in the mail in 30-60 days. I’m just supposed to sit here and “hope and wonder” when I get a large amount of my money?

This is a crazy hopeless feeling that your life savings is just in limbo and you have no information.

I had received numerous communications regarding my "pre-approval" for an installment loan up to $27,000. I did not need that much but I was curious about how much I might be allowed and submitted an application for $25,000. I expected that I might be rejected at that amount but was still interested in a loan even at a lower amount.

You ran my credit (which I think in one communication you indicated that you would not do). I received an email and also a notice through my Credit Card Account that I was rejected and that I would receive correspondence through the mail which would provide more information. The correspondence, when received, did not provide information about the decision, but only some data about me and some generic statements.

I called customer service and was told that a decision was made on the basis of loan amount to earnings, A criterion I certainly understand, BUT no real info was provided. Was there an amount that could be loaned to me based upon that criterion? Were there other factors? My credit score is in the high good to low excellent range.

So now I have a hit to my credit for the hard inquiry and no information from Citi for the rejection, and no information regarding a smaller loan amount.

I believe this is not only poor customer service but perhaps false advertising as well regarding the loan possibility and process. What happened was not what was advertised. Rejection is always a possible outcome, but rejection without further explanation is poor business practice. Do i conclude that Citi would not lend me even one dollar based upon a criterion that I have no visibility to?

My loan application number was [protected].

I just got off the phone with Citibank regarding my credit cards (ending with and was told that my account was closed because I was marked DECEASED. I know that it is mandatory that credit cards cannot be closed without a death certificate — which I have no idea how that happened. I AM NOT DEAD. I was told that it will take over 30+ days to reactivate my account. What am I going to do until then. I pay my bills, groceries and utilities with this card.

And the Customer Support Technician indicated no empathy, seems condescending and intolerant. Horrible customer service.

On February 4, 2022, i deposited $51,000 into a checking account and was guaranteed a $700 promotion (4KNMCNNNY4). I left the money in the required time but never received the promotion. I have launched 3 different investigations into why I haven't received it. The first investigation concluded that I needed to file a W-9 for certification, which I did and mailed to Citigroup Technology Inc. P.o. box 6201, Sioux Falls, SD 57117 per the instructions. I still did not receive the promotion and have since launched two more investigations. All customer service agents inform me that the W-9 was received by them on August 29. My account number is [protected] for this checking account. Please follow up and advise what to do. I've called Customer Service 3 times with no satisfaction. I keep receiving the same letter to return a W-9 which was done.

I have been trying to pay my TSC bill for over two months. I moved and have given them my new mailing address two times but I have stopped receiving bills from them. I have been writing my account number, address, and payment amount on sheets of paper along with my payments but it is very clear that human beings do not process the payments because my checks are not posting! Clearly, the bills go to an automated system where computers do the accounting. My credit score has dropped because of this. Even though I do not like to use phone banking (because of the potential for fraud) I did so this morning to settle this account once and for all. The computer system gave me the amount owed and I paid it. Afterwards, I stayed on the phone to get my balance (as I wanted to make sure that it was paid in full). The computer system stated that there was over a thousand dollars owed. I used the phone prompts again to pay it off but it would not allow two payments in one day! I stayed on the phone for a customer rep. She told me that she could cancel the first payment and then allow me to pay it in full. I had to give her my payment info again and she said that since it was a debit card, she couldn't cancel it. She then told me that if I gave my checking account (which I do not like to do) then she could make the payment. I really wanted to have this done once and for all so that I can cancel the account afterwards, so I gave her the checking account and then she told me that she couldn't complete the transaction and that she would transfer me to the collections dept. She said to wait and I heard a click and I was taken back to the main menu! I will never ever use this card again in my life! This is absolutely unacceptable. Why am I being penalized with a decreasing credit score because Citibank doesn't have the resources to take my payment. Tactics like these are forcing me to be a cash only customer (because this is not the first time that I have been down this road)! My time is valuable as well. When I have to spend countless hours on the phone and while writing letters to this company, I should be reimbursed for my lost time and effort. I am done with this credit card issuer and also with Tractor Supply for using them in the first place. What a nightmare.

Date of Incident: 09/09/2022

Time of Incident: 1615 Pacific Standard Time

Object of Complaint: Home Depot Credit Card Customer Service Agent. I "think" her name was Kaylee.

***Please Citibank, listen to the phone call!

I called to order something from HD online and did not have my card with me. I put in my social security number. The gal that answered told me she could not help me and that I could not use my card because it was overdrawn. I told her that I actually had OVERPAID on my credit card and had a CREDIT. So telling me my card was overdrawn was incorrect. Because she gave me wrong information and I corrected her, she became very beligerant. She called me names. She falsly accused me of yelling at her so she had some kind of defense for insulting me. I tried calling the customer service number again to complain, but now the automated computer was not working and I was unable to talk to anyone. This is a Citibank issue!

Everyone like to charge to their credit card, so do I. Like most persons , I have a reoccurring bill, every once in a while I would have a windfall and be able to pay off these debts. Currently, my objections are with citi card , I had a $7000 bill which I had paid in full on the 2nd of September, by the 6th I had placed an order from a company for a $200 product, only to have my card declined, I figured it was a typo. So I reentered the info and submitted it.on the 8th I checked my email , to find another declined charge. So I went to the citi bank website to,find no phone listed to contact them . Hmm? On the back of my card was the number, I proceeded to call and spoke with a representative, I asked what my available credit was she said, $79, I then asked to look at my payment history and tell me why it was only $79, she said. My payment of 7000 it was posted as a hold until the 15th. I soon spoke with a supervisor who told me the same thing , I proceeded to inform her that my bank had already shown the fund being withdrawn. So why the hold ? She said they had to verify the funds, that is very Interesting, seeing that I had closed a. Separate business transaction two weeks earlier At 3pm, and the funds showed in my bank at 5pm? So what is with this policy of holding back account access? I won't be able to utilize my card for another week? That is bad business. I'm considering canceling my card. I'm glad i do not bank with citi, this tells me that I never will.

I was sent an email on the 26th of August, 2022 from CitiBank saying my account(s) will automatically close within 60 days. It was then stated that no more deposits would go into that account and my debit card is no longer active. Then a few lines down I am told to cancel all deposits associated with this account. I have already done that. Yet they get my monthly check still in my "account due to be closed." I had already changed the deposit info for those funds and was said no deposits would be made. Mind you, I am still not being told as to why my account was even closed. Now I am not able to get my funds that were to be directed to a new bank through somewhere else. They always say the same thing when I call. Now I am being told I can not get my funds for 30 days. Still, no explanation and it seems hypocritical that I will not receive anymore automatic direct deposits into this account but then be sure to change it. I have done everything directed and I need my funds. There is no CitiBank branch in my area, only ATM's. I need answers please. Because this is beyond extra and no reason to have closed my account at all. Please help me figure this out.

Citibank just lost me forever. I have been with them for more than 5 years and they decided to close my account, just because I was a few days late when COVID happened. I've always paid my card and they still close it. I talked to the representatives and they were extremely rude and unhelpful.

And the rep had the courage to offer me another card! - NEVER. I will never have a card with this bank. In fact, my business has a current offer from Citi to work with them, and guess who is the decision maker to do business with them? - Me. And the deal with NOT happen because of my personal experience with them. - Karma happens.

I have an account with Citibank, and I was told about a week ago that they are closing my account, and have frozen it and will not tell me why. I went to three separate branches a total of three times, and they all refused to let me pull out my funds. First, they Told me my card was being frozen and that they were sending me a new card. So naturally, I added my banking details to my Venmo account si that I could use that until my card arrived. However, suddenly my Venmo transactions were declining, and I called to see what was going on. Now Venmo blocked my account because I owe them 81$ from the transactions I couldn’t cover. I was told that my account was being blocked, frozen, and it will be closed within 60-90 days, and that they are sending me a check within 60-90 days. That was all of the money I have and they are withholding it without giving me a straightforward reason. So I called the fraud department directly after they told me they would get me in touch with a supervisor, which they never did. I got one of them on the phone, and they had the audacity to hang up on me. I now have a frozen bank account with money in it that that unlawfully will not let me have access to. I currently have no source of income and am not waiting 2-3 months to touch MY money.

I received an offer in the mail from Citibank on an Accelerated High Yield Savings Account with a Cash Bonus. I opened said account on 3/02/22, but the CitiBank agent opened an All Access Checking Account in error. I called CitiBank and the mess was corrected. The Accelerated High Yield Savings Account was opened, the All Access Checking Account was closed and CitiBank sent a new ATM Card for the Savings Account. On 3/16/22, I funded the HY Savings Account with $32,000 which would give me a $300 Cash Bonus within 90 days. I have spent hours on the phone, calling numerous times to inquire as to the Cash Bonus which was not yet credited to my account. I complied with all requirements and have not to date received the Cash Bonus.

No one seems to have an answer or a solution. I even went to Citibank CHAT because I was having a difficult time understanding Agents with accents. They all said I was owed and they would file an appeal. It is now August 27th, and still nothing since I funded the Savings Account on March 16th, 2022, which is way over time stated for the bonus. I can not express how disappointed I am with the Agents in Customer Service who accomplished nothing for me. I have spent so much time fighting for what is owed me.

On 08/24/2022 by Bank of America online payment system overpaid my Citibank Visa card by $8,659.23. This same amount had been paid on 08/23/2022 based on my online payment instructions. I don't know why Bank of America paid the same amount twice but it placed me in a seriously overdrawn situation. I have attempted to recover this overpayment from Citibank and am told that it will take 7-10 days from my request date. I requested an electronic bank transfer but was told it could not be accomplished. Citibank has almost $9,000 of my money interest free and I am upset that Citibank cannot merely transfer that money bank onto my account. I am reaching out to a consumer protection law firm as I believe this 7-10 day policy violates federal law and state laws (California). I am reaching out to you in an effort to mitigate the damage already done, I am overdrawn with BofA, future online payments will be unpaid because I have no funds to pay them with, and my credit reputation will suffer because of non-payment of accounts I hold.

My complaint involves Citibank. All my credit cards were stolen by some robbers at a gas station in Contra Costa county. I have been working on getting my money back since this all began. It's now been 3 months of calling you daily and it has not been successful at all. No one seems to know anything about fraud.

I'm not sure what to do!?

What would you do if you were in my shoes?

I have no idea what's going on at Citibank, but their employees don't seem to know anything about solving problems, nor do they find anyone who knows how to handle this kind of thing. Instead of finding information they simply hang up on me.

As I said earlier, this has been going on for over 3 months!

It seems to me that a fraudulent charge investigation should not take so long. I'm sure this happens all the time. Seems to me that you need to create a new process that ensures customers get their claims solved pretty easily.

All of this waiting for over (3 months) with nothing happening. I have done everything I've been asked to do. Citi bank has done nothing.

I should also mention that Citi bank has blown up my credit score. Please repair my credit score to its original score. It's been in the high 700s

My account has been blocked since 5/21/2022. I have made numerious calls and been sent to Supervisors to resolve the issue. I mailed three different letters, with the last one received [protected], at 9:57AM in their mailroom. I have requested the account be unblocked and have had 4 different promises that it would be handled. My letter had everything required to open the account, to no avail.

I feel that this account is a scam and am ready to hire an attorney to andle this matter.

This is the worst customer service that I have ever had and feel like this is falling on deaf ears. I opened this savings account, with what I thought was a reputable bank, but now feel like they are an internet scam.

You are wrongfully and probably illegally closing my checking account based on what you believe are violations of the customer manual, in which I never received. I can’t know about some silly supposed violation, if I don’t have the manual. If you close my account, I will be forced to sue, because you violated my consumer rights, and didn’t listen to any of what I’ve told you guys so far. I’ve told you, 1: I was scammed out of $85, 2: I was scammed out of $1,900 that I’ve told you I never deposited, and was defrauded. I told you, I don’t make $1,900 in one month’s timing. I have explained to your agents I’m on social security disability, which I don’t make that much. Your foreign agents are not any good at listening. Your hold times to speak to a fraud rep are hours long. I was on hold to get to speak to a fraud agent the other day for over 2 hours. You have no system in place to have a call back, especially if “all agents are busy assisting other callers,” which I know isn’t true. Your company should have seen that $1,900 check was not legit. You have no security measures to ensure my account(s) are safe from being defrauded, etc. I still haven’t even received any notification about the rest of my disputes. . Which is 3 in number, totally some $60. If you close my account without showing me in the manual, or in a manual you claim I am to have, I will not hesitate to sue. I’m not joking or playing. This is a violation of my consumer rights!

My account was billed for purchases of electrical supplies and a Home Depot vehicle to the tone of $545.77. I cannot get any assistance from Home Depot other than they investigated and I have been charged to pay for this. I have since been given the runaround and it is very frustrating.

I have been trying to let them know that if someone signed for a vehicle wouldn't they need to show a driver's license? They would have that person's name for sure unless they failed to do that or the person operating the register was in on it and let them pass without showing the DL.

All this occurred around May, and I did not notice the charge until June.

I have been a loyal customer to Home Depot for my personal use and to Citi Bank Credit Card for my business.

Iam a Vietnam veteran and I Have PTSD issues and this problem is not helping me.

My contact info is [protected]@gmail.com or my phone is [protected].

Thank you for your assistance,

Michael M. Carrasco

I was sent an email from Citibank as a premier card customer . It offered a promotion of $400.00 if I opened a checking account and kept a balance of $15000 for 60 days. I followed all the direction and opened the account online as directed by Citibank. After not receiving the promotion after 6 months I called. Citibank sends me a letter saying I was not eligible for the promotion in conjunction with the checking account. I called looking for answers but was only told the same information that was in the letter.

I am getting autopay withdrawals from my bank account from an account that I never had with sears master card . I have never used this card before and have nevere charged anything with this card. But I keep getting bank account withdrawals from my account from citi bank. Sears mastercard acct # [protected]. Its amazing how citizens owe sears during their backruptcy.

I have been a loyal Citi customer for about 20 years. My credit cards were closed by Citi recently as well as my business checking account. Meanwhile I could not access my Thankyou Points and Costco rewards etc. I paid $495 annual fee for Citi Prestige card. This card was closed also which cause more loss. This sudden closure on all my Citi accounts brings me so much frustration and inconvenience.

On Saturday August 6,2022 I presented a check for $30, 866.00 to the Citibank located at 410 Los Cerritos Center, Cerritos, Ca 90703. This was an insurance check for water damage at my home. The check was made payable to me and the mortgage Company. The mortgage company signed the check. I was depositing the entire check. At the time I had a $11,000 balance in my checking account and have maintained a $10,000 balance. The check was deposited. I received a receipt n how much was available and the hold on the rest of the funds.

I left the bank. Fifteen minutes later I received a call from the bank manager Bill CiudadReal, he stated that they were reversing the deposit and come and get the check back. Fortunately, I was still in the area. When I arrived at the bank he went on to say that they don't accept two party checks. I said I couldn't believe that they have not had this situation before. He said I would have to have the check made payable only to me or have the funds wired and he would pay the price of the wire. Needless to say I was perplexed and agitated. I said, if this is a policy why did he initially accept the check. He said he was making an exception, but was told that he couldn't.

I went home and call entity involved, the bank, the insurance company, the claims adjuster and everyone said they had never heard of such. It was then that I realized I had been racially profiled by this bank which caters to an Asian and predominantly White customer.

I have been a loyal customer of Citibank for over 20yrs and considering ending this relationship. I took the check the following Saturday to another branch, I wanted to test my theory, the bank deposited the check. The funds were held. Funds were released when the check cleared, no problem.

This systemic racism is not going unnoticed. If your company has not already engaged and mandated DEI (diversity, equity, inclusion) training for managers and employees it is time. I teach this course at USC and will be more than happy to assist you. BIPOC (Black, indigenous, people of color) should not be criminalized and treated with suspicion just because of the color of their skin. By the way, I checked my account, the check was never deposited at the Cerritos branch. Needless to say I am disappointed, dismayed, and disgusted at how I was treated, and am certain that I am not the only one. However, I am the voice for the voiceless and intimidated.

Dr. Cassandra Grady