Citibank
Reviews and Complaints

Hi,

I have transferred a sum of 200000 from my citi bank account (A/C: [protected]) (IFSC: CITI0000004) to one of my friend’s State bank of Hyderabad account (A/C : [protected]) (IFSC: SBHY0020859) on 8th of July 2011. The amount has not been credited to her account yet. The RBI reference number that citi bank has given me is CITIN11127420337.

CITI bank is not able to help me trace out where exactly my money is. If this is the value citi bank is giving for a persons hard earned money then and a mans urgency this has to be highly condemned. This transfer will cost a mans whole carrier if not done in time.

Although I have raised the concerns with both the banks, they are not taking the matter seriously. Please help.

Regards,

Kiran.

I have had a card with Citi Cards for about 25 years...I have always made regular payments on my account. Recently, I was on a payment plan with them to pay off the balance. I missed one payment (due to being on down to one paycheck for a few month) and they cancelled my plan. I did not even know they cancelled and continued to make the payments. They also 'cranked up' my APR that defeated any progress I had been making in paying off my balance. I have contacted Citi numerous times to continue a payment plan and repeatedly have been told there is nothing they can do. I find that is hard to believe when every other company is willing to work with people.

Anyone wondering who's getting refinanced through Obama's 'Making Homes Affordable Program?' Well, it sure 'ain't me, or you, or just about anyone applying. Why? Because all these much hyped federal programs are VOLUNTARY! What the hell! We are giving trillions to the banks so they can do what exactly? Nothing, apparently. Obama's programs 'Making Home Affordable and Hope For Homeowners' are a big joke. The banks are making a killing on application fees, only to tell the unsuspecting homeowner 'Sorry, we can't help you. And, by the way, that 500.00 application fee is nonrefundable.' Here's how Americans are being scammed: 1) Even if you've met all the requirements of these programs, you will not get any real relief (modification) or qualify for refinancing. A realtor friend of mine whose home value is in the crapper and lost 50% of her income, was rewarded by Citimortgage with a decrease in her monthly payment by 11.00. Gee, thanks Citimortgage for your generosity. Those 11 dollars will really make a big difference in my life. Want to refinance? Guess again. If you are one of the millions who has private mortgage insurance, kiss any chance of a re-fi bye, bye. The banks are refusing to refinance anyone with PMI, knowing full well most people who need these programs, have PMI. It matters not a twit if your FICO scores are in the stratosphere, you will still be summarily be turned down if you have PMI. 2) Poor Fannie Mae and Freddie Mac! They lose billions on stupid investments, cry to the feds for help, get bailed out and then are put in charge of operating programs they know nothing about. It's enough to make a person want to commit suicide. Whoops! Sorry, Freddie Mac. These two entities can't distinguish a doorknob from an apple. Call them and complain about how their much vaunted programs are NOT working and they will tell you 'gee, we had no idea the banks were doing that.' Sheesh. As Sigourney Weaver opined in the movie 'Aliens'- IQs appear to have dropped dramatically since I left.' I wonder if this is willful ignorance. Willful or not, Mac and Mae are worthless to the homeowner. 3) Bargain basement appraisals. Ok, forget PMI for a moment. The other part of the scam is what I call 'Low-balling for dollars.' The one place where you should be able to get refinanced is with the bank that currently services your mortgage. They are the only place where having private mortgage insurance doesn't count against you. (the banks act like we elect to have PMI. They seem to forget, you are forced into taking it if you don't have 20% to put down). Ah, but you can bet your sweet little bippy, they know they are in the drivers seat on this one and they're not about to refinance a good paying customer at 4.50% when they can get 7%. So, how do they weasel out of 'making your home affordable?' They hire slash and burn appraisers -- typically inexperienced, cheap folks who come from outside the geographic area of your home. And right on cue, they appraise your home at values so low, you would have to believe you've been living on the street under a cardboard box for the last 2 years instead of in an immaculate 4 bedroom home in Ann Arbor (home of the Maize and Blue). Make a big fuss and the bank will tell you it's those dastardly foreclosures that caused it. (The foreclosure thing--it's almost a mantra with banks. They seem to forget that they are the ones responsible for this mess to begin with). So, it's all about comparables, right? If you are unlucky enough to live in a neighborhood were there have been foreclosures (and who doesn't?) your house is worth the same as a double-wide trailer parked next to the airport. So, if it's all about comps, then why make me pay 340.00 for an appraiser to step foot inside my house ? Any one, including the banks, can get comps off the internet for free. If you vociferously question the original appraisal, the banks will often order what they call a 'field review.' It's their way of appearing 'fair and balanced.' Don't be fooled, however. A 'field review' involves nothing more than some appraiser driving by your house and looking at the exterior. Then miraculously, through some strange inner appraiser gestalt thing, they are somehow able to tell the banks if the original appraisal was accurate. If you think this procedure may help you, then let me suggest several hospitals where you can admit yourself for treatment of your madness. The bottom line is this: the banks make big money on their application fees which you must pay upfront before they will lift a finger, and the appraisers make big bucks giving the banks what they want--super low values outside of the Making Homes Affordable guidelines. The banks continue charging their good customers higher interest rates, while they steal taxpayer money at less than 1% interest. It's a great deal ---for the banks. I urge all those who despite having met all the requirements for 'Making Homes Affordable' were still turned down to call Fannie Mae and Freddie Mac. Call, write, e-mail your congress people. Contact Obama. This is HIS program. He said the buck stops with him, so hold him to it. No more volunteer programs for the banks. We own huge chunks of them, now. Geitner must make them lend or shut them down. Enough of this rip-off.

I am hitting a brick wall. About 5 years ago we got an equity line of credit from National City Bank for $60, 000. They were supposed to pay off all of our credit card bills directly.
During the past two years we have been flooded with collectors attempting to collect on what I believe are these same debts.
I have learned that National City Bank was bought by PNC Bank, for three months now we have been trying to obtain documentation that shows the National City Bank actually paid off what they were supposed to. We have been given the pleasant run around that it's in the mail, and it's at the point now where I am very pissed due to lack of response.
All I need is a copy of the original contract we completed that showed what debts National City Bank was going to pay off using our equity line of credit, so I can compare that list to our totally screwed up credit report.
I have good reason to believe this was a deliberate attempt to defraud us, because our creditors that we had been doing business with for over 10 years all had the wrong mailing address for our residence.

I need advice on how to force PNC to provide the original contracts, how to get this fixed if we were defrauded, and how to have an attorney take these companies and their leadership to court.

I have been calling your credit centre and have visited your usj service centre on numerous occasions, promises to call back was never made and I am getting sick and tired with your service quality. I fully settled my restructure even before its due date of 1 year, and I want my release letter and your organization seems to be not interested in servicing ex Citibank customers.

Listen to the call I made to your customer service handled by Yu Jin today at 10:55am, he was obnoxious and directed me to call your credit collection centre only after 4pm and CiTiBank CS no longer handles ex customers. What a crap and arrogance, this is my 2nd mail to you which I believe will only be entertained after 48hrs with a standard reply.

My number is XXXXXXXXXXXXX – Even a layman will know how to address my issues with a cost efficient manner and I am puzzled that your entire work force is governed by ridiculous process and unfriendly CS personnel manning customer issues. Is this what your brand stands out for, how will I be compensated for doing your work by reminding and follow up and waste in my time. I also over paid and expect to see what nightmare I have to go through to get my access monies refunded.

I was the victim of a Mystery Shopper scam. I cashed the check against my account only later to find out that the check was countfeit. When the banks Loss Prevention contacted me I immediately apologized to them and told them I would be willing to pay the money in payments. I also filed a police report. I thought that we had an understanding and was told by the Asst bank Manager to contact the Loss prevention Dept on that Friday and they would be able to prevent collections and set up a payment plan. On that Friday when I called I spoke to R----who sent me to D---- voicemail. She never bothered to call me but proceeded to withdraw ALL the funds out of both my checking and savings account inorder to make the bank whole without any regard to me the customer.When I called after receiving notice of this she said it was legal to do so And to go get a copy of agreement from the bank and hung up. They also bounced all my checks and charged me bounce check fees as well as daily overdraft fees. These are hard economic times and if any bank couldn't care less if you pay your Mortgage or any other bills then They are not the kind of bank you should do business with. This is a bank without any scruples or compassion for anyone. Do Not Bank there Please learn from my experience. Victimized twice !st by Scammer then by National City Bank!

Please note the following regarding my mother's AT&T Universal Card account referenced above:

1) In August of 2009, I personally came to a payment arrangement with your Credit Department for this account, despite the fact that a
payment by me was not required by law, since my mother was the only one issued credit and is
the only legally responsible party.

2) A payment schedule, with no interest, was arranged for the sum of $497.00 per month, which was to be automatically
withdrawn from my personal bank account until the account was paid in full.

3) This arrangement was going along smoothly for approximately 13 months, until my mother received a phone call asking her to verbally
approve a payment arrangement with AT&T through my personal bank account. At that time she told your
credit department that she would relay the message to her son, who is handling her affairs.

4) These phone calls kept coming on a daily basis, with the same reply from my mother.

5) At first, I thought my mother misunderstood the call and was relaying the information to me incorrectly, since a payment arrangement had been working without a
problem for over a year already. Since these calls persisted, I called your credit department to see what these calls were all about .

6) I was shocked to learn that AT&T, indeed, wanted me to verbally agree to allow them to withdraw $497.00 a month from my personal bank account. This is the
same dollar amount that I agreed to with AT&T in WRITING over a year ago. I was told that your computer system could not handle anything over
a year old, and that I would HAVE TO VERBALLY AGREE to allow A, T, &T to remove monies from my bank account . I advised that I would never VERBALLY agree to
have any company remove any monies from my bank account, but would agree to this payment amount if they would submit the arrangement in writing to me. I
had no problem agreeing to this arrangement, as I had previously, but indicated that for my protection, and to avoid any misunderstanding or miscommunication, I
would need to have the terms put in writing. This is certainly a reasonable and prudent request.

7) I spent much time, and many, many, phone calls trying to have someone from AT&T send me a written
agreement, as they had over a year ago, to no avail. Their response was that AT&T does not and will
not send out any written agreement to me for removal of monies from my personal account. I have never encountered any company that insists of only verbal
arrangements. If they had sent me a written agreement initially, why then is A, T, & T refusing to do so now.

8) Please note that the original arrangement was not terminated by me. This original agreement would have continued with timely, monthly withdrawels from my
personal checking account, until the account was paid in full. Instead, however, A, T, & T chose to interrupt it with their ridiculous demand that I make a new
verbal agreement with them.

9) At this time I would like to state that I have tried to work with AT&T and felt that the arrangement that was made over a year ago
worked for both A, T, &T and myself. I kept up my end of the arrangement and I am still willing to have payments taken out of my personal bank account,
IF I can receive the terms of the agreement in writing again. No legal counsel would ever recommend that anyone agree verbally to have monies removed from their
personal bank account. I cannot agree to any VERBAL arrangement like this.

10) Please note that AT&T's present bill shows an interest charge being applied to the balance. This statement will not be paid, as is.

11) I made the last (2) payments, as requested by the monthly statement from AT&T, with no interest.

12) It is truly my hope that this matter can be resolved and that we can continue in an arrangement where this obligation can be paid without a default, which would not be
advantageous or desirable to either party.

13) At this time, I must ask that if a payment plan cannot be achieved in writing with both AT&T and myself, then please desist with any further phone calls to us and move
onto your legal process. Please let me know, as soon as possible, how you wish to proceed.

Thank you.

Yours Truly,

Howard Conklin

In 2008, I Tapan Chattopadhyay purchased a life insurance policy from AMERICAN LIFE INSURANCE COMPANY( ALICO) brokered by their official broker NRI BUSINESS DIVISION of Citibank N.A. India representative office in Bahrain( The BANK) for a endowment sum of US$200000.00 with a monthly premium of US$ 764.00 payable for a period of next 10 years. I was advised by the BANK to open a DOLLAR CHECKING ACCOUNT with Citibank Singapore Limited in Singapore in order to pay monthly premium towards the policy of ALICO here in their Bahrain office every month. In 2009, faced with a very difficult financial hardship, I requested the BANK verbally to arrange a temporary reprieve from paying the monthly premiums for a period of few months. Having failed to receive any concrete and constructive response from the BANK for a long time, I wrote directly to ALICO on 23rd Oct. 2009 in an e-mail explaining my reason of my asking a temporary reprieve, I received a reply by e-mail on 8th Nov. 2009, which surmised that my FUND VALUE AS ON 23rd Oct. 2009 is around US$ 11000. And the policy would be in force with full benefits even without paying for some months. Again, when I requested an explanation behind the reasons of quite unusual deductions ( nearly 25% of premiums) every month since the starting day of the policy, I was informed by e-mail dated 18th March 2010 that my policy was lapsed with effective from 01st Nov. 2009. All these period, I received no communications either verbal or written from the BANK informing me of policy being lapsed and terminated. But they were being paid 15 % of the premiums as a commission without even explaining me in the beginning. WHAT A SUCKER!
Devastated by the information, I asked the BANK to close my account in Singapore and return me the balance amounts in the form of DRAFT in INR. To my astonishment, The Draft was debited from a nonexistent and phoney NRE ACCOUNT of mine with Citibank N.A. Mumbai, India. Upon confronted by questions as to how they have been operating such account without my knowledge and authorization, The BANK furnished me with an explanation which was far from truth and satisfactory.
I started enquiring about the genuineness of the very existence of the DOLLAR CHECKING ACCOUNT with Citibank Singapore Limited in Singapore and found that there is no such account in the Citibank Singapore Limited’s product list. Then where those billions of us dollar end up is a big puzzle, which till date Citi did not answer me even after repeated request.
The BANK is operating in flouting the banking rules and regulations of every country. There are hundreds of thousand of NON RESIDENT INDIAN customers in every country are being taken for a ride and The BANK is keeping the Regulators in the dark of their dubious banking practices.. The BANK is not in any way furthering the cause of the host country's economy. Nor the country where they are registered.(because The BANK require by THE INDIAN BANKING REGULATIONS ACT to further the cause of the Indian banking and the economy).

My Credit Card No:[protected]:Issued in India
Last payment Amount: Indian Rs.23, 199=00
Due Date of payment: 11.05.2011/Paid via cheque No.029802 ICICI Bank on 30.04.2011
Citibank custmer care informs wrong Credit card No.mentioned on Cheque on 14.05.11 only after my call.
Fresh Cheque deposited on 16.05.11.
today's information previous cheque correct deposited in bank for clearance/
ALL MY ONLINE TRANSACTIONS BLOCKED/COULD NOT MAKE URGENT AIR BOOKINGS
netloss Indian Rs 25, 000=00.

I applied for a secure card in Citibank and deposited 1800$.After couple of weeks I received a letter which indicates my application has been declined.I waited 2weeks for my own money check, which did not happened.Called an asked about my check, was told its in the mail.After 3 weeks I called again and asked my check. I was told its lost in the mailing system. I called an talked to Mrs, Baker ( supervisor)requested an overnight check. She said .it will be sent in 2 days.After 7 business days the check is still not here. Called and spoke to Mrs.( Eichelberger) another supervisor.She said it already sent by UPS, when I asked tracking number, she could not provide it, because it belongs to the secure card dep.I was told there is no tracking number, I have to call UPS give my name and address and ask the check .UPS is not giving any info without the tracking number.
CITIBANK OR MOM AND POP SHOP?
Be careful if you have an account in Citibank..

I deposit $3000 cash on april 22 through atm, which is very stupid on my part. on may 2 they sent me a letter saying there was only $2000 in the deposit envelope. i caledl and went to their branch asked for investigation and so far all i got was there was no mistake on their end but haven't provided me any proof. i counted the money many times before i deposited the cash, i have no doubt it was the correct amount. i would never deposit money using a atm again but after all, isn't it trust what makes a bank.

Citicard Card Services, this company has their hands in eveyones pockets. They say the sent very important letter that effect peoples lives, but they have no traceability these very important letter reach there destinations. If you don't receive one, they make it completely your responsability. The responsability belongs to CitiCards. They have a name of a G. Stevens on all communications, but when you call he doesn't exeist and no can even give you he corperate US mailing address for him. I would like Mr. G. Stevens to personally call me on the phone number above, but he won't so this challange will never be taken.

I have been with Citibank Enrich Platinum Mastercard for more than 3 years. Its a cashback card. Problem started when I bought some Iphone 4 for my friends. They called me and ask why you are buying Apple Iphone more than you needs. I was surprised and I asked I never used half of my limit and always paid in full is it because I don't pay you any interest you are harrassing me? He asked me you also changed your phone number. I told that I have switched my home phone company and what is your problem and I confirmed itsbought by me. She said you account is under review. The next day my citibank enrich platinum Master Card was declined in small amout and shopkeeper said its "Not Approves". It was such an embarrassment for me as I am very honest in my all things.

I don't know may be they are going to cancel it without any specific reason and they should told me before that there is a buying limit for me. They seemd much like an Apple Store employee. But if Apple Store don't have any problem whats is their problem? Is it effect my credit card scoe if they cancelled it? I am much worried by them and where to file a complain againt them?

Thanks

This is a good one to be aware of as we recently were subjected to this situation and are canceling our citi card account in response.
We made an online purchase from a merchant after thoroughly reading their policies on delivery and terms and conditions. We completed the transaction and paid the final dollar amount including a delivery charge. The product arrived with additional cod charges not stated anywhere in terms and conditions or in shipping policies so we contacted the vendor who stated that they refused to honor our purchase price and would charge us a 40% restocking charge if we didn't accept the cod charges. We contacted citicards and were told to contact them after the return was completed and the merchant had received their products back which we did. We were then told that we have no protections or chargeback rights on the transaction because we refused delivery. Apparently it is fully acceptable mastercard policy to allow merchant account holders to apply any cod charges after the fact to transactions without notification or statement prior to delivery and acceptance is not grounds for chargeback nor is refusal and you are fully subjected to the merchants return policy.

Now thats one to be very aware of when dealing with online merchants, it is only a matter of time before more merchants become aware of this loophole and exploit it for maximum effect allowing for cod charges many times the amount of the agreed upon transaction and refusal to accept can result in a no refund policy ensuring the merchant retains an unaccepted and undelivered product for full resale value as well as collecting full sale value each time he commits one of these transactions.

We would take this to court if the loss was high enough but sadly enough such criminal activity goes unchecked because of the costs of litigation. Its very disappointing to see credit card companies supporting this sort of activity though.

http://www.e-citonlin.eu/main and [protected]@accountant.com are two websites in which Mr George Peters who wrote me george peters from this email that I have got 500000 GBP through some of the agencies transferred into my email address and on verification Mr George Peters agreed to pay me through [protected]@accountant.com being the online accounts manager of city bank of India and that he has created above domain for me and the one above is showing that I have 500000 GBP into my account and that when transferred to my local account it shows enter cost of transfer code on intimating the same to above citibank customercare webside, they said to send transfer charges of RS 56000 to city bank . Kindly intimate whether it is fake or real
my mobile no.is [protected] solapur maharahtra

Complaint against CitiBank's dishonest, unethical, opportunistic, and predatory business practices.

First some background information on me. I am 32 years old. I am an electronic musician (playing all instruments) who has written over 100 complete and original songs, 70 of which are available on 4 different websites on the internet, free to listen to and download. I have Bi-Polar disorder which became worse in the last few years and I now have Schizo-affective disorder (not full blown schizoprenia). The entire time I have been on disability which is 10 years, I have been learning how to write, writing and producing music (therefore making a valuable contribution, to society and the world, for the "free" money I have been receiving). As if the capitalist class in America does not enjoy plenty of "free" money, off the backs of the working class, and I should feel guilty about the pittance that I receive. Before I became disabled, I worked as a Veterinary Tech, in Residential Construction, on a Farm, in Shipping and Receiving for a major retail store, and in several restaurants. I also attended Community College a few times but was unable to complete studies because my psychological condition prevented me from doing so. When I was 17 years old, I joined the Illinois ARMY National Guard and served as an 11 Bravo (light infantry), and was honorably discharged.

CitiBank sent an advertisement to my mailbox at my house 2 years ago, said they had a great offer and that i could borrow money. I needed money for food, clothing, and to fix my car. So I went in to the local CitiFinancial office and asked to borrow $2000. They asked what my income was and I told them I was disabled, unemployed, and my only income was $700 a month in SSI and Social Security. They gave me a check for $2000 and I went and cashed it.

The next month when I went in to make my monthly payment of $80, the receipt said that I owed CitiBank around $3, 850. I went back in and said, "How is it that I owe almost double the amount that I borrowed? You gave me a check last month for $2000 so how is it that 30 days later I owe you almost $4000?" She said, "That's 32% Annual interest over the term of the loan which is 3 1/2 years."

Well I had no idea that this was what I had agreed to. At no point did the CitiBank loan agent ever make it clear in any way whatsoever that I was expected to pay back double what I borrowed, and I certainly did not know that the interest added up to 100% over 3 1/2 years. She did not make any of that clear to me, and I was ignorant of the way these banks calculate interest.

You are probably thinking to yourself that I'm just plain stupid and deserve to be taken advantage of because of my ignorance in financial matters. But I will tell you, that if I had any idea as to what I was getting into, then why was I so completely shocked when I got my first bill that said I owed CitiBank almost $4000 on a $2000 loan? I'll tell you why, I was shocked because at no time did the loan agent ever make it clear that they were going to be taking advantage of me so severely. My father even called them and yelled at them for giving a disabled person with almost no income a $2000 loan.

Now you may be thinking that I'm a thief and I never paid back the money I borrowed, right? WRONG. I went into that CitiBank office every single month and dealt with those rude people for over 2 years. I paid back every penny of the $2000 that i borrowed, PLUS about $150 in interest. My mother was going to bail me out of this loan, but died recently before she could help me.

Well because of my illness and inability to work, I lost the house that I was living in, yet should have been part owner in that house. 10 years ago I was also in a head on collision car accident that was not my fault, and broke my femur bone (upper leg, the strongest and largest bone in the human body) clean in half, when a large van ran a stop sign at an intersection. I filed a lawsuit and received a modest settlement. Most of that money was lost in investments when the market crashed around [protected]. I should have had about $25, 000 left, making me half owner of the house I was living in, but that money mysteriously disappeared too. I have barely been able to walk for the last 10 years, and have a titanium rod and screws in my leg, knee, and hip.

A few months ago I lost my house, and had to move into a low-income housing apartment. I told CitiBank that my situation had changed and that I would no longer be able to make any payments and that I was "defaulting" on the loan. So, for the last two months CitiBank has been calling (from 3 different numbers). They have been calling my cell phone 5 times a day, every single day, for 2 months straight. I have told them at least 4 times to stop calling me, yet they continue. I have had to turn my phone off and can't get important calls from family and friends. Who the hell do these people think they are? They are acting as though I have stolen money from them or something! I have stolen NOTHING. I am simply unable to honor the terms of the loan, which I did not understand in the first place. CitiBank has threatened to take me to court if I don't finish paying the interest on the loan. They have threatened to legally "rape" my disability check to obtain their greedy interest, so that some piece of crap in a $35, 000 suit can buy "another" Ferrari to go to some restaurant and guzzle down a $10, 000 bottle of wine, in one meal, while I try to stomach the garbage food from the Dollar store on the $25 per week I'm allowed in food stamps.

CitiGroup got a multi-billion dollar bail-out from the Government so their failing business can keep stealing money from poor people using usurious interest rates. Well where is MY bail-out? CitiGroup took the American taxpayer's money without their consent, to keep the banking cartel up and running, but they can't forgive me a debt of only about $1500 dollars? They can't reciprocate the same compassion and decency that was given to them?

CITIGROUP, CITIBANK, and CITIFINANCIAL you can GO TO HELL! you filthy, worthless, pieces of crap, and I WILL SEE YOU IN HELL WHEN I GET THERE!

I have mailed in payments twice and it is taking nine to ten days to post. Then they charge a late charge.

I take this to be a scam and it fouls up people's credit ratings.

My third payment is my final payment. I will never use a CitiBank card again. I am waiting for my final statement which will no doubt have a late charge since it has been 8 days ago -- one day past the due date and my check has not cleared my bank.

Shoddy business is not the word.

In 2009, I received a letter from Citibank, which is the bank that handles SEARS Credit Cards. The letter informed me that because I had not used the card for any transactions for over 6 years or so that they were terminating my card.

I thought, OK. I cut the card up and disposed of it, figuring this was OK.

In January of 2010, I received a bill for the annual $25 or so fee. I thought, this is a mistake because they informed me they canceled my card. i "STUPIDLY" ignored the bill, thinking they would discover their error. Come February 2010, I receive another bill with LATE FEES attached.

I called CITIBANK and talked to no less than 6 representatives, each one having a difference in how this happened and what they were going to do about it... The reps. ranged in commentary/script from, "Sorry, Sir... clearly there is a mistake and we will take care of this immediately", to.. "Oh! I see... it is NOT an annual fee but rather a REWARDS POINTS program that is in place."

I said I would pay the fee and the late fee but that I wanted the card CANCELLED. They stated they would do that.

This was only the beginning of the horror!

In April, every year, I take advantage of the laws that allow free credit reports in the state of NJ. To my absolute disbelief, my credit rating went from high 800's to a dismal 338!...

Why? BECAUSE CITIBANK PUT IN A NEGATIVE REPORT ON ME EVEN THOUGH I PAID THEIR STUPID ANNUAL FEE WHEN THEY TOLD ME MY CARD WAS CANCELED! Sorry for the shouting...

The horror story continues though because this year, in spite of a December 2010 letter stating THEY WOULD NO LONGER BE CHARGING ANNUAL FEES, I received a bill from them for "BONUS AIRLINE MILES PROGRAM" which I NEVER signed up for!

I am getting a minimum of three calls a week at my home number (they are prerecorded, and beg me to call them to "discuss my account" which they terminated in 2009, received my request to terminate in March of 2010.

What the hell is wrong with these people? Are they not getting enough interest to pay the salary increases of their CEO's?

I does not seem worth my effort to even call them to try to straighten this out because they did not do it in 2010!

The only solution I see is to write the NJ Attorney General.

If, however, there are other solutions I would be grateful for a post regarding this.

Many thanks, and sorry for shouting!

Respectfully and accurately submited,

Bob Pomicter Jr

In DECEMBER, 2010, I received a letter from CITIBANK with the new terms

They held onto the payment for over two weeks before posting it to my account, sending me a late notice and collecting more interest.

The Research Department either didn't fully read my complaint or lost the proof of payment that I faxed.

Citibank statement -- online payments generate no checks, so they sent me a form letter that does not apply asking me to contact Bonita Kenney of the Research Services Department.

After having left Bonita Kenney five phone messages over three days, I got zero phone calls back. Although she logged into the Citibank computer that she did call me once. She did not, as my cell phone and home phone logs all incoming calls and no messages were left.

Of course, the Research Department has no managers (I asked), no names of supervisors, and just forwards you to another voice mail box.