Citibank
Reviews and Complaints

A check I deposited was put on a 5 day hold - this is a check from my financial advisor, Primerica, drawn on a PNC account. I asked why is there such a long hold on their "parent company" check and was told the merger was not complete and PNC was, therefore, a separate bank. Because of this long hold that I was not expecting, my account is in a negative balance and NCB has started assessing overdraft fees to my account and will continue until the hold is released after the 5 day hold is complete. I asked the branch manager where I opened my account to release the hold and refund the fees - she said I had to contact the branch where I made the ATM deposit. I contacted that branch manager who referred me to the other branch - bouncing me back and forth. Both refused to help me - I have filed a complaint with the Office of the Comptroller and my state's attorney general. I told each manager that once my account is settled, and they're done making money off of me, I will be moving my $$$ to a credit union.

Neither one seemed to care.

--- Enclosed is a copy of the message.
Dear Officer,
I have a platinum credit card with no: [protected].I have a balance of 307246/-Rs.As per the bill generated with due date on 11/08/09 I paid a cheque for an amount of 100000/- with cheque no: 640500 SBH bank Bellavista branch, Hyd dated 9/08/09.After 3-4 days of the payment I started getting calls from citi bank left and right saying that the amount was due.Inspite of my repeated telling that I have done the payment they kept harrassing me with atleast 5-6 calls per day.After a few days I got a letter from citi bank stating that my cheque was tampered and please send another cheque immediately.In the place of my account no: one letter was darkened by sketch pen by SBH bank officials when they issued the cheque book itself.When enquired with SBH bank they said that this cheque had not come for collection and if it would have come we would have honoured it.In the mean while as a routine the phone calls from citi bank was repeated for the payment due.To each Tom, Dick and Harry I had to explain what has happened.but they presumed to be ignorant of the fact.Immediately I send the 2nd cheque dated 10/08/09 with cheque no:361892 from the same bank and branch and I posted the same to chennai.But still the payment has not reached your place and phone call repeated.Then finally citi bank people said that they are going to send an executive to collect the same and kindly do the stop payment.I did so.Since 3 days they are repeatedly calling that they are going to sent an executive to my place and so far that is not happening, but some or the other fellows are keeping me calling and saying that my bill is pending and they are going to send the executive.Iam rellay vexed with this attitude of yours.Finally I have made a decision that to pay the entire amount at one go and terminate the relation with these cranky fellows.The reasons are simple

1.I am a citi bank credt card holder since 8 yrs almost and a platinum member
2.These types of tantrums have happenned with citibank earlier also and with lots of appologies and excuses further the relation resumed.
3.Iam advisor A.P.State Govt.and have no time to squander with these buffoons.

pls take necessary action and let us wind up.

Dr.Saji D'souza

HI
My name is Praduman Singh Behl, I had taken a personnel loan and ready credit from citi bank N.A. mumbai it was in the year 2005. I was paying my loan in time untill last of year 2006. I paid the loan amount in full in feb 2007 by dd of 75000/= as they said that was the remaining amount.Also Paid the ready credit off first in march 2006 paying 60000 and then paied the rest as i had withdrawn the money in month of april. in 4 installments each installment of 8674.(paid in december, Jannuary, febuary and maych) an total of 34696/=, As per citi banks instructions. But it has been over two years they have not closed my bank account even after giving reapeated reminders . They are harrising me and my family members with constant threatning phone calls ands letters increasing the amount each month. Please help me stop this harrasment and get me the compenssation for the mental trauma that i and each of my family members have gone through.
Thanking You
Praduman Singh Behl
+[protected]

Ahhh, where to begin? I have been a Citibank customer for more years than I can remember. I called CITIBANK to close my bank account because they had recently acquired CAL-FED, and my "free" checking account suddenly had fees-for-nothing. Since there are many places that offer free checking, I closed my account, or so I believed. I suddenly received a statement in the mail for negative $9.50 for their October service charge! I was stunned because it was my belief the account was closed! I called to complain and they refused to reverse the charge because the account wasn't closed! I explained it was THEIR FAULT that it wasn't closed, but they *still* refused to reverse the charge. In fact they had already added the monthly service charge for November and I was nearly $20 in the red! I know it's not a lot of money, but it's the fringing point! They still refuse to reverse the charge and I refuse to pay. I guess they will now wreck my credit but it's the principle of the matter.

Be aware of CITIBANK - they are *only* out to make money and are not interested in customer relations.

I hope that no one out there ever has to do any kind of business with City Bank. Where I live that is one of the most common banks but today 8/28/09 City Bank decided to close out my fiancee's bank account without giving him any notice. It is funny the reason that City Bank or it's rep Ken in Morton gave for closing the account that it was a courtsy checking account so the only people that could use the account or deposit money into it are those who are listed on the account. Well the funny thing is that City Bank along with their reps are bold face liars, theives, and the company is a fraud. I was refunded the excessive money from my collge tutition and had it direct deposited into my fiancee's account. Well apparently when this money went in City Bank decided to close his account without notice because I still owe them money which I admit I do owe but I have been making payments when I can even if it is just $5 which proves I am trying to pay off my debt to them. Well again they closed his account and sent my paycheck, my college money, and his check back but not all his check they keep more thant 1/2 of it but he did not owe anything. Additionally the rep Ken and another rep adivised that it was in the fine print that only those who have their names on the courtesy checking account can use it well my fiancee has had the account for 2 years now all my checks have been direct deposited into his account even my huge income tax refund, and I have even gone into the local bank where we live which is in Morton and have signed my check over to my fiancee so that it could be deposited into his account so the whole no one other than the account holder can use the account is a bold face lie because City Bank started having a problem with me when I was not able to make payments but between paying them and having food, shelter, and water for my children well screw City Bank my family is more important. Please anyone stay away from City Bank additionally my best friend is facing problems with them as well she had several small charges she made to her account by way of her debit card the charges posted right away well she had to use her OOPS one day but the bank decided to move the smaller charges and post the large charge which should have been covered by OOPS first so this caused her to have to pay 6 $27 overdraft fees when orginally it only should have been one $27 overdraft fee. Please Beware of City Bank!

My Mother had over 10 credit accounts with Citibank, I was on one account. My Mother passed away and I acted as her Excutator. I contacted Citibank and provide them with 15 copies of her death certificate and they said they close all her accounts andwould consoladate any outstanding debt and send it to me for payment. What they did was keep several accounts active charging $12.00 a month for the service. For months I was on the telephone with Citibank about this. Finally I find out that Citibank closed all my mothers accounts, put them into collections and put it on my credit report.

When I contacted Citibank about this their Collections Department could not find anything and referred me to their dispute department. I am still waiting for them to respond to my inquiries.

CitiCard has ruled against me in a dispute with an on-line vendor who has overcharged me on a product. I advised the vendor I would not accept the product because of their disreputable handling of the account. They admitted they still had the product and would not ship it.

I disputed the charge with CitiCard. They ruled FOR the vendor and gave them $2200. I was incredulous. Citicard would not allow me to take the dispute to anyone else at Citicard. They said Mastercard corporation had made the decision. Mastercard advised me by telephone they did not rule in disputes and that CitiCard had made the decision.

Citicard reported my account as past due to the credit bureaus. I am now fighting them on several levels.

THESE PEOPLE ARE EITHER DISHONEST OR SO DISORGANIZED THEY DON'T KNOW THEIR A***s FROM HOLES IN THE GROUND.

It all started with a purchase at Shopper's Stop, City Centre, Saltlake, Kolkata, India. I was offered a "Green Card" for which a form had to be signed by me, just for the sake of formality. However, at that point of time, no mention was made regarding any application (for credit card or insurance policy).

Later, an unknown call from Chennai, India, offered me a huge sum which, they claimed, I am the WINNER of some lucky draw (without any participation whatsoever) - however, I denied that amount.

After this, I received a CitiBank credit card along with a thanksgiving letter for initiating some "Goodhealth Insurance Poilcy". I was rather baffled. I did not ask for, or give consent to any policy, nor did I ask them to issue any credit card.

It was soon followed by funny bills - stating that I am supposed to pay CitiBank the amount within a stipulated time, or else I am liable to pay fines and late fees.

I complained to them, informing that I never applied for a credit card or health insurance policy - requesting them to investigate the matter and stop harassing me with threatening phone calls any further.

I sent them back the unused CitiBank credit card, duly destroyed, with a letter requesting them to close this illicit account they created in my name, without my signature, documents, or my consent.

They acknowledged the letter, and it told soon they are beginning an investigation.

Then one day, a person came from the Camac Street (Kolkata) Citi Bank, to my residence to collect the "due payments" from me. I told him the real story - and he seemed to be convinced enough to take actions.

However, telephone threats and bill dues kept on coming. Despite my complaint to both Kolkata and Chennai branches, no step was taken to end this. They are now trying to scare me with Legal Threats.

Few days back I received a letter from an advocate, Lopamudra Sur of Dasgupta & Associates, Temple Chambers, Kolkata - threatening me to pay the (un)due amount within 10 days, or else they would initiate legal proceedings – that too, at my cost!

Please help me out of this mess.

I was the victim of a scam, facilitated through my Citibank credit card which I held for 10+ years. I authorized a $50 charge to my card on a written contract which was altered by the "merchant" by eliminating the decimal point and was charged $5000 instead. The "merchant" turned out to be a known and convicted thief, forger and impersonator with a criminal record and had built a business on similarly scamming others. Unfortunately, I found this out too late.

On the other hand, I don't have a single blemish on any of my personal or business records. In support of his claim for $5000 the "merchant" offered a forged document to his bank and to Citibank, which was easy to prove with a very simple investigation.

Although they did NOT find any evidence that I had forged any documents or had lied to the bank, they also had NOT checked all of the many references I offered with regard to the "merchant"'s criminal record, pattern of deception and forgery including the undeniable forgery he offered with his claim.

In the end, for no good reason Citibank chose to side with the "merchant" and refuse my appeals for the disputed charge. In their decision, they extrapolated their authority well beyond the boundaries of the specific charge in question (which is all they have responsibility for) and were influenced by an artfully crafted, yet still a swiss-cheese contract that was nothing but a scam from the start.

Don't expect your outstanding credit record to mean anything to Citibank. Instead, expect them to favor criminals to good customers. Also, do not expect due and fair consideration if you are faced with unauthorized use of your card and credit. Instead, expect a poorly executed "investigation", no personal communication whatsoever with anyone knowledgeable about your dispute, and no concern about being openly ripped off by known criminals.

When this is resolved, they will have one less good customer.

I owed 62 thousand rupees to citibank and i asked 3 months time for making the payment. But, the bank asked me to make the payment immediately promising me that i wont be charged any amount in future for the same cards, once i make the payment with in the due date. i did make the payment on time and the bank is trapping me now. bank promised me that once i make the settlement amount i will be sent the final settlement letter, but now the bank is doing faul plays. Please be careful with citibank india credit card, the bank is cheating the customers with delayed bills as well.

I had a Children's place Credit card for about 5 years. Sometimes, I was posting automated payments on my Credit card account-- just in case not to miss any payments. I was checking my credit/balances sometimes.(not often as i wish now) I had around 7 month break in using these card when i've noticed that the money i was paying in advance just keep disappearing from the account. I've expected that the money i've paid in advance would stay there. NO. THEY just GONE. We are talking about few hundred $$$. I've called the customer service and the explanation was that the policy of the company: In case of credit on the account posted, the company usually cut the check for the refund and as soon as check is cut, the credit removed from the account. BUT, I did not cashed any refund checks! More to that, sound as nobody cashed them! Where all that money i've paid GO? The next question in my mind was: How much money really disappeared for all these years, knowing my bad habit from time to time paying in advance? The phone representatives of the company are sitting in India, so you can get nothing from there spending long hours on a phone. All of them actually acting as a manager as soon as you request one. LOOP. I fill that the money was stolen from me. They are STOLEN by the credit card policy, which allowed it to happen or probably just designed these way on a purpose. Were the checks ever sent? I am not sure about that. The "Manager" of the Credit Card explained to me that, the only way to complain is by letter and there is no Phone## available for complains or investigations like that. So, for me to get my money back from them is the long way to go. I have to write letters to request the statements, then calculate what was stolen from me. I have slight idea where to start beside the latest few month bills i have on hands. By the way, to request a previous months statements you would have to sent a letter, you can not place these request over the phone or e-mail. HHH. If somebody would tell me it is happening here in the US legally, i would not believe in it. BUT IT IS THE REALITY! Really disappointed with the Credit card services. BAD, BAD and SAD experience. I used to love these store, actually it was my #1 store for children's closing, but because of the situation -- my mind about shopping there, unfortunately, can not be the same. OH... I wish i would never have these credit card and keep loving shopping in Children's Place. Do not get these Credit Card! It is more than enough disappointment's in our life, please avoid these one. If you already have it -- just monitor each move on your account and close it ASAP.

Citibank people just sucking people's blood.After pre-closing my personal loan, citibank just taken my EMI amount and fined 200 rs.I asked to revert my money, the customer care person (V Saranya & Poornima solai rajedran) said no option to revert.Kindly Don't ever go for Citibank for any kind of transactions in future...
This is more equalvent to Crime Number "Nigerian 419"
Personal Loan NUmber : lsbmrk4152322
Citibank also dealing with fake note exchange in all cash counters.

I had taken few polices from Birla Sun Life Insurance through Citi Bank. Citi Bank had approached me for one of the single time investment policy in ULIP and I had given them approval also for investment.

Citi Bank executive has visited my office along with Birla Sun Life Insurance application form / Proposal Form regarding my signature and for the same; I had done my signature also.

They had taken this policy by explaining me single time investment later I came to know from Birla Sun life Insurance that this policy is not a single time investment you need to Pay of Rs. 5, 00, 000/- every year and without my knowledge Citi Bank had made my 2nd & 3rd Year premium amount also by ECS.

And after discussion with Mr. Sanjay M. Sharma (employee of Birla Sun life Insurance) he had informed us this policy is belongs to Mr. Jasua Gupta & Mr.Jasua Gupta is life Insured under this policy, then same time I informed Mr. Sharma that how my Son had did their signature in proposal form, because that time Mr. Jasua was not in India.

(In this concern all mail is attached for your reference)

I had asked Birla Sun Life Insurance regarding my policy delivery details and about Life Insured signature now they are not ready to even reply on it, simply they had sent mail stating that they are not going to cancel this captioned policy neither they are ready to inform me about delivery details and fake signature .

They had informed me that Free Look cancellation time has over, but how they can inform like this ones I had not received this captioned policy till date, I had received one letter mentioned single time investment /single pay only & now they are saying they had not sent that latter, Birla Sunlife & Citi Bank both are trying to manipulates my case.

Dear Sir, you are requested to please take an action on it and ask Birla Sun Life about certain things: -

1. Show the recipient details / acknowledgment of delivery under this captioned policy.

2. Who had done Life Insured signature ones Life Insured was not in India at the time proposal.

Ok, I admit that being ripped off is not the kind of thing I easily get over. . Using my Citi Advantage Card, as with all Credit Cards has dual purposes.
1) Back up from retailers who do not provide as promised
2) to build up points for travel.

Now, after Neiman Marcus took 5 weeks to process a return, and in the same day RECHARGED my credit card, and spent 20 hours on the phone, along with faxing my credit card bills to Nieman’s...the problem never was resolved. so I knew the system was not exactly consumer friendly...because That is a no brainer.

Then, my Credit Card was stolen. I had no clue-was out of town and Citi called to tell me. I thought that was great service-incredibly grateful and think they caught the thief. (They would not tell me) They also refused to remove the unauthorized fraudulent charges. HUH? Therefore, I paid an outside/inside company to take a monthly payment out of my account to force Citcards to remove the charges.

Then, as if I had not done 200 hours on the phone with them, Hertz Rental Car over charges my account by $1200. Kind of a big amount...I mean $1, 200?

I spent 6 months and 100's of hours on the phone and providing every single piece of evidence requested (no small task) for 6 months! They put my account on hold; called me 20 times a day...they terrorized me.

Then I would call, explain, again, spend an hour getting through to Fraud, as that is the department that handles Chargeback’s...regardless of how bogus the charge and how clear it is.

One evening an executive from Citi called and spoke frankly with me. Apparently, Hertz would not even discuss the charge with them and he had not seen this kind of behavior in 20 years. I appreciated his candor. But I would have appreciated Citbank treating me as their client, who was charged a random amount before any invoice was calculated or sent to me...or signed by me.

They finally told me I was stuck with the charge, the interest, and now penalties six months later. They have virtually ruined my credit and still wonder...what is going on over there?

I am in receipt of your statement in the amount of $5116.87. The last payment was made on December 23, 2008 in the amount of $119.00 as required by Citibank. On January 17, 2009, I received a statement stating that I would need to pay $386.00 for that months payment. All of a sudden interest was raised, and my payment was beyond my means. At that time, I spoke with collections who informed me that if I made my payment for $119 (as previously advised) my account would be up to date. I called back again January 26, 2009, and was advised they could not locate my account. As I was aware this account was still active, I was transferred to several people who were unable to help me. Again, I did this in February 2009, where I was told NOW the account went to collections. I have contacted Citibank several times regarding this matter and have received no resolution.

My original card was any purchase over $299 was interest/payment is deferred for 6 months. I am still waiting for the letter from Home Depot or where they added the "new purchase" and I was advised that the "new purchase" was not part of the deferred interest/payment plan. All payments were made toward the account, but it was then prorated to both the initial purchase and the "new purchase". With that system of accounting, you can NEVER pay off the "new purchase" in full without paying the entire account in full. This too was not stipulated and I was told differently EVERY time I called.

Further, there are STILL several charges that were never taken off my credit card statement. After several months of having problems with a swing and a sliding glass door, both which were promised to be refunded, I still cant get home depot to give me the credit promised by the store manager.

Its now affecting ALL of my credit and I cant contact CITI because its been sent to collections.

Today, I could not anymore log in to citibank online. It has been my habit that in any day of the way to check or track anything that goes to my citibank credit card. To my surprise, the usual password I entered is not anymore recognized. I called up their Citibank Cebu, Philippines hotline for such complain. I insisted that my laptop has never been used by anybody and I had never used any computer to open for such citibank online. I'm wondering if somebody has really breached in to my account. Does it mean that Internet Security is not anymore effective in Citibank? I was just advised by the agent that my complaint will just be raised. I did not even know what to expect cause until now I still could not log. Thus, I asked just instead for a faxed copy of the updated statement of account.

Here's another catch. Upon receipt of such statement, I was just surprised that two entries came without my knowledge; all were billed from the same vendor with one costing Php 144++ and another P844++. With my recent plight, I called up again Citibank for explanation. As verified by this another agent, such bills are already reversed and I need not to worry because these wont be part of my account anymore.

It is one of the reasons actually why I needed to open such account today to check Citibank's reply as I've already made to ask for clarification regarding such concern. Would this be a strategy for them to block the account in order to clean up the mess so that when opening again, such findings or errors never appear already?

I hope my complaint will be brought to open especially to those who experience the same. It is just unfair for a large company like Citibank to do this kind of trick.

This bank has destroyed me by sueing me over a $120 .00 credit card card payment they said they did not receive on a current account. Every time I tried to fix it either they would tell me I wasn't on their program or some awful person would call and harass me, this was one of the most awful experiences I have ever had. I was sued by them and even though I tried to pay them numerous times they made it impossible for me and the bottom line is, I am being forced to file bankruptcy over an accoun that was current for 2100. that is now up to 9000. in attorney fees, he has tried to levy my car and every thing else and has basically ruined me

I bought some goods from saudia arabia in January 2009, and I put my credits in the next month, and now I have now any credit money in my credit card to deposit it, but what I have after 6 months, a statement from the credit card section of citibank telling me that I have to repay money as a difference in currency between egyptian pound and Saudi Ryal, is it a new way to deal with the customer to compensate your losses in the international financial crsis throught the customers.
My email is [protected]@gmail.com,
Professor of Medicine, Cairo University