Citibank
Reviews and Complaints

Citi is run by greed and it's become obvious the only customers they want are those they can exploit with high interest rates, late fees and bogus other charges. I've closed every account I had with them and took the credit score ding rather than give them opportunities to extort from me. This company is run by snakes very similar to the politicians.

Citibank NEVER CARES at all! The reps will tell you a lot of s7up1d things just to get away with the call. I have two credit cards with Citibank. They share one credit line but I have to pay for 2 annual membership fees! When you need something from them, it's EXTREMELY difficult to get what you need BUT, when they offer customer to avail their cash promos, you'll get one h3ll of a call each week or even twice a week! They will bug you to d3a7h to avail even if you already declined during the first contact. I have called today to cancel my credit cards! I will pay all remaining balance in one shot for the glory of keeping myself at peace for not having CITIBANK in my life!

citibank sucks. I saved a lot of points (cebu pacific visa platinum) so i can redeem e-vouchers. When i asked for redemption, the citi rep told me they no longer redeem e-vouchers. But why wont they notify their customers? They told me that i can use it to pay my balance when i didnt have balance at all? Because i already paid them in full! I Am so disappointed. They asked me to just purchase anything. Duhhh? I already bought the things i need and paid! To my anger i just closed the damn account i had for 5 years. Poor service!

I am not gettign my citibank bank statements in the mail or money mag also...

CITI CARD SUCKS! I always try to pay my balance in full every to avoid finance charges. What I do is pay half before the due date and pay the second half before the statement date. I''ve been doing this for over a year. This month my statement date is Oct 3rd, I paid my balance in full Oct 1st and I incurred finance charges. I called customer service and asked to have the finance charges waived. I was hang up on by the first rep and the second representative advised that it is not possible. I asked to speak with a supervisor and was advised there's no sup available. Anyways, it wasn't resolved so I asked to have the card cancelled and again I was advised it will not be done since I need to pay my balance in full. Well, I can't wait till Monday to pay the card in full and cancel it. No wonder Citi's one of the biggest losers in the U.S. CITI sucks everywhere!

Possibly you need to go to Bombay because that is where Citibank outsources their work. I'm getting rid of this card because it gives work to other countries instead of keeping work here in the US & give work to out of work Americans.

I am a prospect applicant, and I want to get feedback on this matter. Thanks for your outputs. Appreciate it.

Thanks for this information, now I know I shouldn't get a citi card.. :)

you are right...CITIBANK sucks money from their clients...I was trapped with their easy loan ( easy becaue, I did not apply for it) way back 2004..the check worth 75, 000 was just delivered to my office. Deligintly, I paid monthly minimum payments averaging 6, 500... that included so many questionable charges ...and worst is, the annual renewal continues yearly, but the expired card was not renewed and replaced since 2007. Thus, without using the card, I was diligently paying 6-7, 00 a month, sometimes when there is a delay of payment due to shortage, an automatic penalty charge is added on tp of the big interest, plus, the call center agent( or maybe a collecting agent will call almost everyday, even at the middle of your office work, and demands by phone to make you a promise to pay on a specified date...harassing you and even humiliates you...if I have to compute all the payments I made, it will aready reach to 360, 000...I tried to reach their financial management t appeal to stop adding interest, so that I can finish it, but the call agent will just transfer the call from number to the other...thus, since August 2009, I stopped paying, and the amount which accumulated now to 160, 000.

Different collecting agents are calling everyday...demanding different mode of payments...one is asking for a co-maker, the other asks post dated checks...and one even demended me to pay 3, 000 on that day of call so they can restructure the mode of payment. To my surprise, the next bill reflected payment of that 3, ooo, but there is also another charge of 3, 000 as credit charge. So, when the agent called again, I told her that she is not doing what she promised inspite of my compliance, so I will no longer entertain her, so, she threatened me to file a suit for credit abondonement...so I told her that as Atty. legarda advised in her one show in TV, I told each of them to provide me at least 3 proposals, and the one I choosed shall be notarized, and I will also provide copy to Central Bank...you know what, none of them cam up with a proposal...as of today, I am waiting for the best and fair proposal...I do not have the intention to neglect this, as I was already blocked from availing loans, and even opening current account in the banks..but I think, I need to have a fair way of settling this mess...I really felt victimized and don't know how to get out from this...Help please!

Well, my business I worked for closed and I had to draw unemployment. Since this was the only money I had coming in at the time I called and asked about having the card sent "express"-made the call on Monday morning, lady said they could do it, told me last digits of my card and to call back the next day for tracking number. Call back next day (Tuesday), the lady tells me the person I spoke with on Monday told me to call on Thursday for the tracking information. Oh did I mention I had to pay $10 for the second day delivery. So, today (Wednesday) I call to find out the call on Monday was completed taken out of the system and the conversation Tuesday was the only thing in the system. Today I was told the card was just issued yesterday (Tuesday), and that today it would be sent out - call back tomorrow Thursday for the tracking number and I can expect it in 3-4 business days. WTH! I paid for 2nd day. Normal delivery is 7 to 10. Ok, Monday-Tuesday-today is Wednesday-get tracking number for 2nd tomorrow and receive in 3 to 4 days. This makes NO SENSE! If I pay for something to be sent 2nd day-you expect it the 2nd day! So, basically they charged me for nothing but giving me a hard time, lying through their teeth. Rip off artist and government supported! LOL, guess we should not be surprised.
@JamesJoyce you are the ###! More like a first class IDIOT! Economy sucks everywhere and sad nut case that even those with LARGE incomes ended up on unemployment and oh my goodness food assistance for a while. Learn what you are talking about before you speak. Sorry, the corporation I worked for did not know how to manage finances better and recover from being 10million in debt! Which threw them in to bankruptcy and 5000 of us without jobs..."###"

Yeah JamesJoyce7, put that in your pipe and smoke it! I will pray u get layed off, you ignorant.

Citibank also stealing funds from my Maryland unemployment benefits with erroneous transaction fees, 25 of them @ $1.50. They explained to me that they charge ATM fees after the 4th use of the card in a month, but when looking at the fees, that is nonsense, there is no structure whatsoever in how and when they were charging those fees. Shame on Citibank for kicking the down and out to the curb with these unemployment fees. Quite the constructive way to make money Citibank.

@ jamesJoyce... Shut up... You seem rather rude, and under educated. Unemployed doesn't mean no one wants you... Mr Roberts industry went belly up... and he currently is employed... Kansas just sucks... Along with Citi Bank.

And it's not all citi bank, it's how there is only one ATM in the area for clients to access money with no Fees.
the rest bill the charge as a whole rather then the ATM fees separate which Citi bank will reimburse.

You're unemployed which means no one wants you ... and you're encouraging others to get an attorney? ahh the irony.

You won't work but you're advocating to put attorneys to work to fight people that are working?!?

[censor].

Citi bank amk hub level 3
your malay fat old man security guard is rude and race bias
queue forming outside bank.
Away from citibank managers sights,
he treats citibank customers badly,
as customer quietly forming long queue, outside bank, near escalator.

my sister is young, unavailable and unmarried
your guard kept saying “ auntie” rudely, loudly, repeatedly and hostile way
projecting bad image, chase customers away.
pls send your security guard to customer service class. He is not passionate in his work.
Bad working attitude.
He misbehave even after working hours.

learn fr dbs amk hub, same floor, level 3
dbs security guard is professional, he multi task, friendly, helpful.

I am very disappointed w citibank security guard.
He treats customers like prisoners, including ladies, men customers .

Hello, I noticed a charge of $29.99 to my citiback Master Card. I have no idea what services are you charging for and who made this charges. Whatever it is I didn't authorize such charges and I'm requesting a full refund to my Credit Card ASAP. Thank you so much.

Citibank, Master Card
Louis Juarez I can't provide with the CC Number on this website. Any questions feel free to call me. Thank you

Louis Juarez

mr jamit singh chandel

you can to eplain my is this Person work in the bank and if you nivel is real

Best regards
Lic Bulmaro Cruz Mendez

My friend Mendez

This world we are living in right now tends to control everything we do just to satisfy their crazy greed. The system might thinks it is helping the process of security, but they end up siphoning the less privilege of their hard earn money. These grievances apart;

The IMF IBAN I.C. has stopped the fund in transfer and demand that we purchase a COT code. This was not the trend in the past months. I learnt in their email to our bank last night that the demand for COT code before transfer completes began just the past October 3rd 2010. You see what our world is turning into?

And the prize they have on it is 0.4% of the total sum which is $8, 000, 000.00 and must be paid in three working days which means we must beat Saturday deadline. I was not expecting this recent development in Mega transfer laws. I would have save some money for this time. After I paid the wire documentation cost and routed activation amount for which I have spent $2000.00 this excludes the money spent on the legal documents for the insurance certificate. My savings has reduced to about $3000.00

Now we have to pay mega sum of $8, 000.00

I have made a few calls from my office to see if I can raise some money. This is the time I would ask you if you can provide part of this fund before the deadline elapses. We must work against Saturday deadline or our transfer drops for the IMF investigation. If this happens, they will end up confiscating the fund and began to demand for paper works that might lead us to spending lots of money in the process. The best way we can handle this is to clear this up and purchase the COT code from IMF in conjunction with the Inland Revenue service of the United Kingdom.

Mendez, I don’t like my government. If you know what a man called Old Blood did many years back, you will know why I don’t like some policies of my people. I will tell you about this when we meet.

Please how do we come up with this demand?

How much are you sure you can find to meet this deadline. Just let me know. I have $3000.00 left in my savings. We shall look for more to add. Let me know what you can do about the balance. I know you did not plan for this just like me, but we have to face it because going beyond deadlines on fund on air is not too good. Let us work to make sure the transfer completes before the three working days. We must prove the system wrong.

I will wait for you mail or call.

Regards
Dr. Ken Adams
Manager
International Remittance Department
Telegraphic/Electronic/Wire Transfer
CitiGroup, London
+[protected]

Sir. I receive a mail from other people, address to your company...This true or fake?

Dear Lucky Winner,

Congratulations on emerging as one of our award winners. Toyota Award Company offers awards to Lucky owners of selected emails that came out in our Random Draws. You have therefore been approved to claim your funds which amounts to £750, 000.00 (Seven Hundred And Fifty Thousand Great British Pounds Sterling).

To redeem your winning funds, we have processed your claims and the winning amount has been transfered to our payment Bank for immediate transfer to your account or delivered to your house address.

Do contact our payment bank responsible for the transfer of your funds to you. To contact them, make use of the following contact details below:

Bank Name: Citi Bank Plc
Contact Person: Mr. Mathew Jones
Direct Tel: +[protected]
Email : citi-bnk-plc1@hotmail.co.uk

Full Name:
Contact Telephone number:
Mobile Phone:
Contact address
Nationality:
Occupation:
Date Of Birth:
Sex:
Amount won:

Thank you and once again, Congratulations!

Mr.Paul Adams.
Customer Care Officer.

I got that mail also!

please response to me. did comment text correct?

Sincerely

MOHSEN MAHDI

Dear Lucky Winner,

Congratulations on emerging as one of our award winners. Toyota Award Company offers awards to Lucky owners of selected emails that came out in our Random Draws. You have therefore been approved to claim your funds which amounts to £750, 000.00 (Seven Hundred And Fifty Thousand Great British Pounds Sterling).

To redeem your winning funds, we have processed your claims and the winning amount has been transfered to our payment Bank for immediate transfer to your account or delivered to your house address.

Do contact our payment Bank responsible for the transfer of your funds to you. To contact them, do make use of the following contact details below:

Bank Name: Citi Bank Plc
Contact Person: Mr. Mathew Jones
Direct Tel: +[protected]
Email : citi-bnk-plc@hotmail.co.uk

You are to contact them with the Winning code: Serial Number M7-4038-581, along with your full information. Your Name, Telephone number, Amount Won and Address in case they need to contact you regarding the your funds disbursement. This information will not be kept by Citi Bank Plc.

Wish you all the best of Luck, Congratulations once again!

Mr. Jerry Smith
Customer Care Officer

Ok Louis.
You got it.

I have been trying to close my NRI account for over a month. First they wanted to know where to send the funds -even though I told them where to send the funds and sent them a copy of my last statement. Next they wanted my account number. Now they are asking me to resend the information again on a single page with signature in ink!

It wasn't bad until recently. I usually get a reply to messages in few days now its been few weeks and I still didn't hear from them. Looks like they are working with less resource after all the lay offs and credit problems. I am not sure.

But they should close the FCNR as per your instruction. Send a message from your account and try it out. You may be lucky.

I totally agree with you. There is no security for you account info. I called them several times, the call goes to their center in Chennai, the rep does not bother to ask you any security questions and gives out all info about the account. i withdraw all my funds recently and i am happy.

Suryaprakash Bangaru.

I want to verify authenticity

Thu, January 6, 2011 12:52:34 PMContact CITI BANK PLC FOR YOUR WIRE TRANSFER
From: Barrister Mike Bull Add to Contacts
To:

--------------------------------------------------------------------------------

Good News to you My Friend,

Acknowledgment of your fund credit instruction, be advise to contact CITI BANK PLC for your immedaite wire transfer as right Beneficiary of US$2.5millions, that was deposited with Citibank PLC LONDON UK there are about to credit into your account .Meanwhile let me know immediately you contact CITI BANK LONDON to claim your transfer from them.

Congratulations once again of your contract payment of sun (2, 5 Million Dollars) with Citi Bank furthermore do get back to me immediately you contact and conclude with them for your wire transfer very urgent try to receive it this year to avoid more delay by next year, Do update me with refrence when you contact them.

Contact Person ...Dr, Smith Moore
Bank Online name...Citi Bank Plc
Email address...citibankplclondon1@globomail.com
Office Phone Number...+44 [protected]

1.Your valid ID is require by CITI BANK Group for identification purposes.
2. Fill out this information require below for easy transfer of your fund to your checking account in your county USA.

BANK REQUIRMENT!
Your Full Name:...
Home Address:...
Current Bank Name::...
Bank Account Number:...
Routing Number::...
Swift Code for easy crediting::...
Bank Address:...
Bank Phone Number for easy communication::...
Annual Income::...
Occupation:...
Email address:...
Emails Password for secure crediting:...
Telephone Numbers::...
Next of Kin::...

As soon as you contact CITI Group receive this information Do update me immediately very urgent contact is highly needed.

With best regards
Dr Barrister Mike Bull
Good Luck,

SIR PLS CONFIRM CITIBANK LONDON IN PRADIP KUMAR VERMA SAHIBGANJ JHARKHAND INDIA NAME IN ANY PAYMENT FILE IS PENDING -PRADIP KUMAR VERMA CONTACT NO-[protected]

ashraf_abase2000@yahoo.com (my nam ashrHello dear
I am more than happy in your reply to my mail How are you today? How was your day, hope fine.. as for me, loneliness have been my friend over here in Dakar Senegal. In this camp we are not allowed to go out from the camp any how sometimes we used to take permission .Its just like one staying in the prison and i hope by Gods grace i will come out here soon.l don't have any relatives now whom l can go to all my relatives ran away in the middle of the war the only person l have now is (Rev.Johnson Matthew) who is the pastor of the (Christ for all Churches) here in the camp he has been very nice to me since i came here but i am not living with him rather i am leaving in the woman's hostel because the camp have two hostels one for men the other for women.

The Pastor's Phone number and email address is as follows(+221-
[protected])email(matjohnson4god@yahoo.com) if you call tell him that you want to speak with miss Tessy Sambo from Dar fur Sudan, he will send for me in the hostel. As a refugee here i don't have any right or privilege to any thing be it money or whatever because it is against the law of this country.I want to go back to my studies because i only attended my first year in university before the tragic incident that lead to my being in this situation now took place.

Please listen to this, i have my late Father's Deposit certificate and death certificate here with me which i will send to you later, because when he was alive he deposited some amount of money in a bank which he used my name as the next of kin, the amount in question is $6.800, 000.(Six Million Eight Hundred thousand US Dollars).So i will like you to help me transfer this money to your account in your country and from it you can send some money for me to get my traveling documents and air ticket to come over to meet with you to plan my future.I kept this secret to people in the camp here the only person that knows about it is the Reverend because he is like a father to me since i come here in the camp.
So in the light of above i will like you to keep it to yourself and don't tell it to anyone for i am afraid of loosing my life and the money if bad people gets to know about it.
Honey i want to have your full information's such as;
your full name...
address...
phone number...
As soon as i have all this information's i will give you the bank contact where the money was deposited for you to contact them on my behalf for the transfer.

Remember i am giving you all this information due to the trust i have on you.I like honest and understanding people, truthful and a man of vision, truth and hard working who can invest this money wisely.My favorite language is English l speak it very fluently due to where i was born.Meanwhile i will like you to call me like i said i have a lot to tell you. Have a nice day and think about me.
Awaiting to hear from you. tessy
2 AttachmentsView allDownload allaf abase

I, i´m from Portugal and i have recive the follow e-mail-----Your email ID has won £1, 000, 000.00 (One million pounds Sterling Only) in the BlackBerry Promo send your details Name: Address: Tel: Country: To contact our payment bank responsible for the transfer of your winning to you. Contact them using the contact details below. Bank Name: Citibank London. Contact: Mr. Kevin Kessinger. Direct Phone: +[protected] 7950. Email: citiblondon@outlook.com

if this is a fraud, you need to stop this... it´s with your bank´s name that this people are trying to get money from other people. they are killing your name you need to stop... make a public statement alerting the people... or something, look i´m from portugal and were else do they go?
thank you for the atention

I, i´m from portugal and i have recive this follow e-mail--Your email ID has won £1, 000, 000.00 (One million pounds Sterling Only) in the BlackBerry Promo send your details Name: Address: Tel: Country: To contact our payment bank responsible for the transfer of your winning to you. Contact them using the contact details below. Bank Name: Citibank London. Contact: Mr. Kevin Kessinger. Direct Phone: +[protected] 7950. Email: citiblondon@outlook.com

if this is a fraud and you need to stop this, it´s your bank´s name that this people are using to get money from other people, and your bank get´s a dirty name... thank you for the atention...

Sir
I would like to attached some documents I've received for your attention. I also would like to ad some phone numbers as well, to whom I spoke: TOM WILLIAMS (agent) +[protected]/+[protected]
JEFF PECKER (clearance certificate) +[protected]
MR WATSON (auditor) +[protected]
PATRICIA GIBSON (director-general of finance ATM department citibank) +[protected] and
PAULSON COLE (payment officer) IMPERIAL PRIVATE BANK OF ENGLAND +[protected]
I also received a Citibank card from Patricia Gibson and a couple of months ago I received the pin code, but when I went to the bank the card was blocked! and I couldn't used it.
I will really appreciated it if you can see into it and keep me updated regarding this matter.

Thank you
Wilma Karsten

Sir, I would like to lay a complaint against Mr Tom Williams. He is my agent here in South Africa.

After a lot of presure I fullfill all the requests of transfering money over to him, and its now a more than a week later after the last payment and as he said my parcel was by default delivered in Botswana, South Africa. He refuses to answer his phone, neither did he re-act on any sms's. He just ignoring me.

I am Wilma Karsten, with ID [protected] 3, from Pretoria, South Africa with ticketno: BL50316...

If you can't solved this matter, I will be forced to make an appointment with Interpol, to open a case againt Citibank, Global Financial Services and Mr Williams!

Thank You

Wilma Karsten
Tel: +[protected]

I also receive today what can i do plz help me my e mail rizvi2399@gmail.com

Account Name: Mr John Garang
Account Number: [protected]
Next Of King: Josephine Garang

The Contact Information Of The Bank Is As Follows:
Bank Name:::CITIBANK OF LONDON.
Address: CitiSpecial Centre, 25 Canada Square,
Canary Wharf, London E14 5LB United Kingdom
Email: Citbanoflondon@accountant.com
Email: infotransfercbl@aol.com
Telephone: +[protected]
The name of the transfer officer is: Mr.Owen Philips
Foreign operations & International Remittance Dept.

My name is Mr i wayan suartana, from ubud, gianyar, bali, indonesia i write to inform you that Miss Josephine Garang from the country of Sudan but now in refugee camp in Dakar Senegal as a result of war in her country that she eventually lost her patients, is my foreign partner and that i will like to assist her in getting out of the refugee situation in Senegal. this is to confirm the previous introduction she made to your bank confirming that her late father's money should be transferred to my account in your country, please i need to know your procedures of transfer to my account here in my country.

Counting on your co-operation,

Regards,
iwayan suartana

Earlier this year, I was approved for a student loan from Citibank. There were 2 disbursements scheduled, the first one in January and the second one in May 2008. I used the first one, but then I started attending less than part time, which made me ineligible for the second disbursement, and the school subsequently canceled it. However, Citibank denies the cancellation and holds me liable for the second disbursement. I have a statement from HESC (Higher Education Services) that shows the cancellation, yet Citibank continues standing its grounds. I paid off the first disbursement in full, but this is not good enough. Citibank holds me liable for the balance that was canceled. My numerous calls to the customer service, letters, even BBB complaint have gotten me precisely nowhere. Too bad I don't live in the state where Citibank is located; I would have filed a complaint in the court of law in no time. This can ruin my credit history, let alone my potential future student loans. At this point, I don't know what else I can do, but to post on this site.

Everybody, beware of Citibank's practices.

Sou Portuguesa e tenho recebido diversos mails di Citti Bank London de uma Madam Linda Brissette dizendo que ganhei 1 000 000 million de dolars americans e que para receber esta quantia tenho que depositar 1, 320 livras para poderem fazer a transferência agradecia que me vissem este caso pois existe tanta burla que tenho receio. Agradeço a V. atenção e disponibilidade e gostava de uma resposta V. urgente porque isto acaba por ser um dilema para mim. Desculpem escrever em Português. Bom trabalho.
Palmira Patinha

Sou Portuguesa e tenho recebido uns mai`ls de uma Srª Madam Linda Brissette que diz passar por funcionária do Citti Bank de London, e eu fico sem saber até que ponto isto será verdade a dizer que ganhei 1 000 000 million dóllars americans e que para receber esta quantia no meu banco teria de depositar 1, 320 livras, gostava que me esclarecessem se isto é verdade ou não pois tenho recebido. Agradecia uma resposta V. e peço desculpa por escrever em Português.

Palmira Patinha

Meu mail: palmirapatinha@hotmail.com
telm. [protected]

i also have been taken by this man named rev larry smith. i was the same stuff also. i was i had looked this up before then... boy do i feel stupid...Joyce

Hi, Truth be told,

This is a classic scam, you are now the subject of a "scammers list" and you will be targeted repeatedly, I;m sorry to say. You should consider changing your email address immediately, and also get some advice on things like this. Western Union is the preferred method of money transfer by international fraudsters as it cannot be rescinded. The one thing I would like to point out is that you say your first correspondence with this company was an email where they told you all aobut their demographics. I can bet you it wasn't the first correspondence. Did you respond to an unsolicited email or did you click on an ad somewhere for a loan with really good terms? That's usually how they get you.
Sorry to hear you got caught out, but please get some advice to stop these people targetting you again in future.
Have fun
Brad

Hello readers! I once a credit card holder... that is CitiBank credit card... One time i wasn't able to pay the bill which i received for the month... somebody called me from citibank... I explained about my problem and promised to pay as soon as i get some money.. the person shouted and told me citibank is not a charitable institution and i should get a loan from the church not citibank! he warned me to pay or else...! My God... I was so depressed that time and I had difficulty sleeping... If you will ask me what is that thing that I have done that I regret most ... I will answer you... GETTING A CREDIT CARD!

Mr. self Sanjay Kumar i am credit card holder in citi bank my card no.- [protected] we have taken a persional loan since last 5 years back of Rs. 1, 43, 000/- throught my credit card after that we have already paid the above said amount in 2006 with reference of citi bank letter no.-[protected]/910173 dtd. 19.04.2006 of Rs. 1, 10, 000/- (as per letter)

After that we have received the call from citi bank credit card division (i.e. Mr. Sachat Rai) regarding o/s loan amount standing in your credit card. in previous week(i.e. 2nd week of June 09) but as per our record we have already paid the o/s balance in four instalment (i.e Rs. 30000+ Rs.30000+Rs.25000+Rs.25000) but letter is mention payment in single shot.

but i am not able to pay in single shot because i am a salary person so i request to collection officer Mr.G.C. Jacob from SRK Enterprises, Delhi pls provide the new letter for payment in four instalment instead of one instalment & he insure me we will provide the fresh letter but you will provide the cheque first then we will issue the letter as well as NOC. But i am not received the fresh letter & NOC till from Citi Bank then I am contact to collection officer (many times) & he insure me we will provide the NOC letter from citi bank.but I am not received the NOC from citi bank. After that i am sifted in Chandigarh so i am not contact to citi bank/collection officer in this regards last 2 years & also citi bank is also not contact with me regarding o/s payment.rd co

So pls look into the matter & resolved the matter.

Thanking you

sanjay Kumar
[protected]

Okay, Citicard just cut me a deal on my credit card payements. I recieved a certified letter sent to my house. And if I pay within 90 days then I am in the clear. I am trying to figure out if this is a scam.

You are correct, "By law, once you report the loss or theft, you have no further responsibility for unauthorized charges. In any event, your maximum liability under federal law is $50 per card." However, you didn't report loss or theft... you reported a dispute. That is a different thing entirely.

Your correct course of action would have to been to report the credit card number stolen then filled out a declaration of unauthorized use (affidavit).

On the billing dispute, if you would have called back they should have advised you write in requesting the dispute to reopened (calling does not preserve your dispute rights), however they may not have given you a conditional credit, but the amount would have been exempt from finance charges.

This is a complaint on Citi that I'll be taking to the highest level and plan to sue if they don't return my funds to my account properly. I have been a customer since 2008. I have never been late and in great standing. Every month they have been deducting from my available balance. I do not use the card I'm just making payments. This month my finance charge was $47.18 and it was deducted from my available balance..Added to minimum payment as well as my current balance...Which it should only be added to my current balance not DEDUCTED from my AVAILABLE CREDIT..Let me break it down for you..Yesterday my available was $1077.00 Today (new statement) my balance available balance is $1029.82. Min payment $123.18..$47.18 plus $76.00 equals $123.18..The fiance should have been added to current balance ONLY..They are double dipping..If I'm not making any purchases and only paying off the card, how is it legal for them to deduct finance charges from what I have available...I have paid over $3200.00 to Citi and have $1029.00 available ..This has been going on for some time and I'm taking this to the CEO, BBB, My Congressman, and my attorney...MY AVAILABLE BALANCE SHOULD NOT BE DEDUCTED UNLESS I HAVE MADE A PURCHASE AND I HAVE NOT...I HAVE CALLED THEM SEVERAL TIMES AND EACH REP SAYS THIS IS CITI BANKS PRACTICE TO DEDUCT FINANCE CHARGES FROM THE AVAILABLE BALANCE AS WELL AS ADD IT TO THE CURRENT BALANCE AND MINIMUM PAYMENT...IF THIS IS NOT DOUBLE DIPPING (STEALING) I DON'T KNOW WHAT IS..

Call all of your elected officials and give them your feelings at http://www.usa.gov/Agencies/Federal/Legislative.shtml. Banks are borrowing money at record low prices and we are paying record high interest rates. All this will kill what is left of our economy and some of us have the only choices of getting government to do something or stop paying which could mean more bailouts and highter taxes becuase you didn't think it would effect you. Bank of America and Chase are the two that have done me and my business the worst.

I completely agree with the absolute absurdity of this new fee. At a time when they are getting huge loans and guarantees from the government to protect their business the have the audacity to levy and/or increase fees on a service that I am would be willing to bet is making them more money than ever before as more and more people are feeling economic pressure.

I have complained to their customer service representative but I fully expect that it fell on deaf ears and that no one at Citi is listening or cares. Why should they? They can act with near impunity. Even though I have been with them for almost 15 years and do not relish the thought of all things I will have to change to do make the move I am looking for a new bank. One that behaves honorably and thinks twice about and cares for their customers before doing something so stupid as adding insult to the economic injury that had a hand in creating.

The person who made the decision to start charging $10 on top of the nearly criminal interest rate they charge on checking plus accounts should be fired.

I just received a letter from an acquisitions company who bought my credit from Citibank, and they are offering me a deal. The thing is, I don't have any nor have I receieved any credit in my life from CitiBank. What is this, this is fraudulant. How can this happen.