Citibank
Reviews and Complaints

in early may i stated receiving credit card solicitations from citi bank indicating 0% for 18 months on transfers and 0% for 12 months on purchases. i ignored the letters for awhile and then decided to apply on line to take advantage of the offers. i went to the citibankonlineaps site and applied for the card. i was approved immediately and the cards came 2 weeks later. upon receiving the casd it was a mastercard in lieu of a visa with only a 4800.00 limit. i called their activation phone and was told that i aplied for the wrong card and should go back to their website and reapply. he said he couldnt do anything else to raise the limit so therefore i went back to the website and reapplied for a "thankyou citibank card". again it was approvedthis time with an 8100.00 credit limit. the cards arrived and i called to activate them and ask about the 0% offer and again was told i applied for the wrong card however this time i asked for a supervisor. she said dont reapply, she said she would try to increase the limit on the simpllcity card as it had a 0% offer. i agreed and waited a few days for a response. i got a hold of another supervisor who said nothing changed and that the first supervisor was incorrect to say she could trry to increase the limit so i could make a 0% transfer. so far they had given 13100.00 in lines of credit which was more than what i even needed but they could not raise the limits or even set up the correct card. citi bank solicited me not the other way around and all i wanted to do was take advantage of the 0% offers. since i already wasted alot of time and effort trying to resolve this to no avail i decided to cancel both cards and asked to receive written confirmation that i had done so. a week later still havent received the letters. maybe it was my fault because their website is confusing and there are severa types of credit cards but you think someone in supervision could resolve this. i filled out citi baks survey relating this story and havent heard from them. the moral of the story is dont apply for a citi bak card

I was a citibank credit cards holder for the last two years and has cancelled the cards due to a special fee imposed by Malaysian Government to all credit cards holder . Recently I have reapplied for citibank credit cards due to special promotion and offer given by it merchandisers and to my dismay my application was turn down . I have called up the service center and write in to enquire about the reasons why my application was turn down but non of the customer and officers after putting me on hold and waiting can tell me why . In fact I was turn away rudely with insulting words . I am very disappointed with citibank, such a big global bank with such services? I think will stop supporting all citibank products and will not recommend people to use citibank now on.

I am based in Bahrain and I am not a Citibank customer however someone has accidently put my mobile number in their database and I am receiving sms at odd hours for the other customer who is not even aware that I have all his expense and payment details. I have already complaint 3 times to Citibank Customer Service in Bahrain. One can check their and my telephone records if need may be. Every time they say a sorry and assure me that my mobile number will be removed from their databse but I am still receiving sms. I also got a call from Dubai head office assuring me that I will not receive sms henceforth but still nothing was done about it. I am disgusted that is it so difficult to remove a mobile no. from their information?
Firstly it is a complete breach of confidentiality on the hands of Citibannk who boasts of best services and a big name but they are so sloppy and irresponsible. Secondly after I complaint not once they looked into the delicacy of the matter Who will trust a bank who openely flashes private information with the credit card details which belongs to their customer to someone who is not even a customer. If someone misuses this information who will be responsible? Its been happening since 4 months. I kept patience but now I need to sort it out. I have no repose from their Customer service hence I am forced to put a complaint online. I do not see any other option.
Hope I will get some peace and solution.

We received confirmation of Crdit Notify being removed from our credit card account in May of 2011. We were still being charged in March of 2011. We have the confirmation number so we called today and spoke with a representative. She said they would cancel it today but would not reimburse for the fradulent charges since May of last year. They didn't care that we had confirmation and name of the representative who gave the confirmation. I recommend that no one accept a free trial offer for any credti notification scheme by credit card companies. If there are enough people out there who would like to get their money back by filing a class action law suit I would be happy to join with you.

I contacted CitiMortgage, my mortage company, regarding the refinancing of our home. I was given a rate and initiated the loan process. Three days later I was offered a better term with my regular bank, so I contacted Citi to cancel the loan application. The Citi rep offered to match the other bank if I would stay with them. I agreed and waited for the new offer from Citi to arrive. After 4 days of waiting, I contacted Citi and was assured everything was still good and that I can proceed with the appraisal. After cancelling my appraisal 2 times, the mortgage consultant assured me that things are just going to be fine and that he'll make sure the appraisal won't be cancelled. The appraisal was completed, but I still didn't received any documents regarding my refinancing from Citi. I contacted the agent again and was told that I will receive the documents within a week. When the docs didn't arrive, I emailed the agent and was informed that he went on a medical leave and to contact his back-up. He then called me while on medical leave and said the docs were returned to his office, but he'll have somebody resend it. When it didn't arrived again, I contacted him but he didn't respond. I sent 3 more emails, made 5 calls to his back-up and didn't get any response. I had my CitiBank branch manager contact CitiMortgage and was finally told that the "matching" offer would not be honored. The "medical leave" agent has been transfered and there's nothing the back up can do. So after one month of waiting, I've lost out on the great mortgage rate and is forced to look for another lender for my refinancing

Citibank needs to be pressured with Imminent (BK) Threats or Mediation Law and Procedures.
They are basically a giant collection agency. They purchase the distressed mortgage at Extreme Discounts from various key players in the sub-prime arena. They collect aggressively on this paper. They do not play by the rules and need to be pressed hard.

We have completed successful loan restructuring cases with Citibank. They are all long run and brutal battles.
Feel free to visit our website for further details on avoiding a Pending Sale Date.
www.freshstart-mortgagesolutions.com or www.freshstart-legalnetwork.com
You may also call 1.877.297.7011

Good Luck Homeowners.

I had two CitiBank accounts in 2011. With substantial amounts of money on deposit. When CitiBank imposed a $30 per month service fee, I immediately moved to get all of the funds withdrawn and the account balances both to zero. I told the teller, upon taking the last small amount of funds out, to close both accounts. I thought I was done with CitiBank.

For the seven month period subsequent to making both account balances zero last year, I now discover that CitiBank has been transferring funds neither account has on deposit between the two. It has imposed monthly maintenance fees, interest charges and overdraft fees. CitiBank put its own funds into a zero balance checking account to force that account to carry a balance subject to monthly service fees. As if I had borrowed money by cash advances or otherwise.

CitiBank now claims that I owe a substantial principal amount and must pay the present sum of the overdraft within 15 days or the bank will do what it can to ruin my credit rating and collect the money. What CitiBank did: create a debt in its favor out of two zero balance accounts where there was no intent to borrow on the part of the depositor.

I've given CitiBank 15 days to straighted out the mess it made for its own benefit or all of the paperwork and the threats from CitiBank will go from my desk to banking regulators. I cannot be the only one in the whole world where CitiBank creates debt obligations in its own favor out of zero balances and then threatens the customer with a "pay up or else" demand.

Don't do business with CitiBank is the best advice I have.

Cancelled card via Telephone. Card had 0 balance. Spoke with an individual with an Indian accent so thick I thought I was talking to "Peggy". Peggy insisted I had a $69 credit. I insisted that I did not have a credit balance. He indicated I could only close the account if he sent me a check for $69 - I agreed. 6 months later, I received notification from a debt collector for an unpaid balance on my closed Citcard. NEVER received any billing or correspondence from Citi. When I attempted to call Citi, I was transferred to the debt collector. I wrote Citi and received no response. They have dinged all 3 credit reports. ABSOLUTE ### - THEY COULDN'T CARE LESS ABOUT CUSTOMERS. They should seriously change their name to [censored]IBANK.

Randy Irwin
Minnesota

Hi, I received a mail from citi bank region head. ---
This is in continuation to your recent mail to us dated 26th June 2010. As desired, below are the clarifications to your queries.
Point #1: As against your current loan outstanding of Rs. 578407.89, we are settling the account for Rs.2, 80, 000/- based on your request and offer made by our service provider team at TCS Eserve, and hence the balance outstanding of Rs. 298407.89 constituting principal, interest and other charges, will be reversed towards full and final settlement of the loan on receipt of the above settlement amount. Please refer your mail dated 25th June 2010.
Point # 2: We have been trying to reach you on your contact number, 91XXXXXXX1, but unable to establish contact.
Please provide your contact details to enable our Citibank authorized collection officer/call centre to call you and provide update on the offered settlement towards closure of your personal loan account..
Alternatively, you may call me on my mobile number 919XXXXXXX7 for further clarifications. You are requested to remit the above settlement amount of Rs.280000/- immediately as per settlement date failing which the settlement would stand null and void.
--
1. I was reciveing many calls from many people, they will threaten me, use the foul language, and challenge me to come to office to threaten more.
2.Many different people come to house and harass me, frighten me, to get whatever extra amount they can.
3.when i approached the advocate about the same, everyone disappeared, so i couldn't make any deal.
4. the amount of 578407/- is actually with interest and late charges, the actual amount is around 298000/-

Looking at the seriousness, I have borrowed the money from someother sources, and cleared the said amount on the due date 25 jun 2010.
But now, after one and half year, Dec 20111, still my name is not cleared from CIBIL. I really don't know how to resolve this.

Please help.

I have a Sears Mastercard that I use for my online shopping. Recently I tried to make a purchase with my card, only to find out it was frozen. Upon calling the 800 number I found out this was due to "suspicious activity".

The suspicious activity has a name; it's called Cyber Monday and Christmas Shopping. There were no mistaken charges, no double charges. No nothing. I hit a series of major bargains and got my Christmas shopping done. Apparently some algorithm or other thinks that bargains are suspicious.

To top the whole thing off, today I received two written messages saying my card had had suspicious activity and that I was to call you immediately if I hadn't already taken care of the problem. The letters were dated December 2, days after I'd already called. The letters claimed you called and were unable to reach me, which is untrue. There were no calls either live or on my answering machine.

I am left to wonder if it would have flagged five or six big ticket purchases. The last time it was frozen, it was because I tried to pay for a shipping label on USPS.com - the Post Office website. What I'd like Mastercard to do is rewrite its software so that normal Christmas shopping appears to be what it is - normal.

While I had already had a checking account with Citibank for many years, my problem began when I decided to open a savings account. When I signed up for the savings account I was led to believe that I was opening a basic plan, appropriate to my status as I am a student with relatively low earnings. Instead, they signed me up for a business account. I believe this was not simple negligence but a willful error on Citibank’s part.

Attending school and working part time, my savings account was dwindling. Unbeknownst to me, I was being charged by Citibank a $34 fee per month for going below the $5, 000 minimum needed to maintain the business account without charges. Such charges would of course be acceptable if I had signed up for such an account, but this I did not do.

After voicing my concern at Citibank in person, the branch manager unfortunately chose not me contact me at all, despite the fact that I had left my number with person at the service desk. I waited for days with no reply, so I was forced to seek other means assistance. I have now cancelled my accounts with Citibank, but they still owe me for the fees accrued during the time I spent under a savings plan which I NEVER even signed up for.

As a young person with relatively sharp instincts, it took me a great while before I understood what was happening. I can only imagine how many times Citibank must pull such a bait-and-switch operation with elderly patrons who will never be able spot it.

My net worth with Citibank shows as being over $100 K on my statements in 2011 which entitles me to have a free Citi Gold account. However, I was charged a $30 dollar monthly service charge for October. I called Citibank on 11/2/2011 and was told that what I see on my statement is not what is counted as net worth at Citibank. My Annuity purchased by Citicorp Brokerage for me held by Hartford is subtracted but not shown on my account. I was told that what I see on my statement is not the real value that they use to calculate whether or not I qualify for a Citigold account. They deduct the $5.5 K Hartford Annuity from the rest of my holdings when assessing my "real" net worth with Citibank. I was never informed of this. It is a cheat performed by Citibank to extract charges by hiding this information. If it is included in my statement as part of my net worth then that should be the sum used to qualify for or not qualify for a free Citigold account.

I decided to post here my complaint because after several hrs of surfing any citibank site where I may filemy complaint, I didn't see any…. I read some of the complaints here againstcitibank credit card... I got almost the same experience sad to say with my citibank credit card. Just imagine, i've been banking with metrobank and bdo for several years and I didn't have any problem with my credit. Their bils come on time, I mean their couriers were jsut great and timely. Not with citibank's cuz after I used their card, it's my 10-11th month I guess paying their bills and yet I just received like 3-4 bills only and worse than that was they promised to send me the online bill in my email and yet, no email statement was received. The customer service called and told me, I should look into my spam mailsbut not even one statement was there! What is good is they reverse the penalty charges after realizing the problem on their part. They reversed like 5 to six panalty fees! Imangine that? I hope if there are citibank officers who by chance read this blog created by glen ong, pls address our complaints! It took me like several hrs today to look for citibank customer care complaints division but to no avail! It was after I came accross the worst customer agent in the name of melody (I won't give the last name) who didn't know what customer care means, she should have been trained on how to respectfully handle their clientele! How do I get the email of top management customer care of citibank, does anybody know where I should file my complaint? After googling up so many sites I finally got their site and logged on to their credit card inquiry and was terribly shocked to see I have a p3, 200 + balance! When if the custoemr agent permitted me to pay off my entire balance I should have paid only like 1, 200+ only, I took her advice because she said I can't do it since the contract blah-blahs! They charged me with a membership fee of 1, 800 when I told them already I wanna cancel this card already, it's causing me a big headache cuz I am a very busy person! Then I saw that there are two p500 penalties charged again! Well I have like two months balance of p491 each something! Citibank credit card must have a site where their subscribers may file their compliants! You have caused me a big headache! What kind of institution are you?

I have Citibank NRO account [protected] with Citibank NRI services and due to Citibank's extremely poor and extremely user unfriendly online banking I decided to transfer all my money from that account to Bank of Baroda account. I also decided to close the NRO account. I have sent a letter regarding this approximately 3 months back. I had talked to bank officers at least 15 times and the ones I talked 3 wks. back promised me transfer the money in 24 Hrs. and for closing the account I needed my wife's signature on a letter stating the closure of account. It was clearly stated that money would be transferred as one signature is enough to do the same . The same fact is confirmed by Mr. Ganesan another bank officer with Citibank two weeks back and now when I asked Citibank again and Ms. Sudha who is another bank officer tells me money is not transferred.They are acting on their wishes with total disregard to the customer's instructions and ethical bank practices.They evan manipulated my date of birth and the bank official refused to talk to me that I am not the same person.I want to inform you that bank took a copy of my passport which shows my date of birth and no way or no where ever I used wrong date of birth.I have bought a house in India and I wished to make the payment through Citibank NRO bank account.That payment is overdue and the builders are now asking for an additional payment of 36, 000 rupees over and above the payment that is due to be paid. I feel Citibank is entirely responsible for this payment.I have sent a bank of Baroda cheque to my builder assuming that Citibank has transferred the money as per my standing instruction in the letter faxed to Citibank NRI new york office approximately 6 wks. back.I had also asked them to close my account for which they needed my wife Nanda who is joint account holder to sign a letter stating the closure of account.This letter was subsequently sent and has no bearing on original request to transfer the balance to Bank of Baroda account for which me or my wife can send an individual request.The bank official who talked to me on phone confirmed this and agreed to transfer the money in 24 hrs. and the same fact is again confirmed by Mr. Ganesan.

I have similarly asked them to close my account 088965.

I had invested approximately 45 thousand US dollars in mutual funds with Citibank in year 2000 and in 2005 I asked them to be sold and I was sent back 31 thousand $ and no account of at what rate they were sold were ever sent to me.I had instructed to sell all my assets with Citibank . In spite my change in address request my address was not changed. I get a letter stating that I still have over 2730.00 $ in mutual funds which I had instructed to be sold and money transferred to my NRE account [protected] have yet not been sold.I want to know as to why instructions are not followed.I lost approximately 13 thousand dollars in the Citibank dealings with my mutual funds.

I hereby request
1. My money from NRO account [protected] be transferred to my Bank of Baroda account, the details are already provided with the Citibank.
My Citibank NRO [protected] account then later be closed.
My Citibank account 088965 be also closed.I had repeatedly made request for the same.
My Mutual funds of MFS meridian funds be sold and the balance be immediately transferred MY Citibank NRE account [protected] which i am still continuing.
4. A statement of the mutual funds accounts be made available to me and explanation be given by Citibank as to why such loss is incurred in spite of promise of profit.

Money transfered to Nationwide, not accepted and returned to Citibank.

Citibank then lost track of the money any have not yet credited my account.

I have been trying to speak to somone it the UK as can't get any sence from the call centre in India.

Unable to speak to anyone in UK and problem still ongoing.

I bank in the UK and expect to speak to someone in the UK who speaks English, when thing go wrong.

All I want is my money back so that I can close this dam account!

Dear sir / madam, I received this the following message from your bank and I want to find out how far this is true:
Alex cunningham.
Director foreign payment online transfer.
Citibank oflondon uk.
Address: units 3 & 5, paternoster house
St paul's churchyard, london, ec4m 8ab united kingdomuk.
Tel: +[protected].
Fax: +[protected].
Website:www.citibank.co.uk
License no: 0482552.
Fsa ref no: 122342.
Registered inenglandno. 1088249.
Vat no. Gb [protected].
Copyright © 2011 citigroup inc.

Attention & hello dear.
I officially write to inform you that the united nation secretary mr. Ban ki moon, has instructed citibank oflondonto release a total sum of us$5. Million us dollars to your bank account as your contract & inheritance entitlements. The united nation (Un) & the british prime minister mr. David cameron has agreed that the british government will pay & compensate all the foreigners their contract & inheritance funds within the 30days, the british prime minister david cameron has signed a total sum of us$5. Billion us dollars to compensate all the foreigners whose executed & inherited contracts under the british national petroleum oil & gas company. Your name was among the list of names we received from the british royal hm treasury for immediate release of us$5. Million us dollars to you as your contract & inheritance funds.

Your new payment reference no.-[protected].
Allocation no:
Password no:
Pin code no:
Your certificate of merit payment no: 103.
Your release code no: 0763.
Your immediate telex confirmation no: -1114433.
Your secret code no: xxtn013.
Amount approved to you is: us$5, 000, 000.00.

You have been approved to receive a total sum of five million united states dollars us$5. M from citibank of london uk, we are the citibank of london and we hereby wish to inform you that we are ready to transfer/release the us$5. Million us dollars to you as the beneficiary, we urge you to complete the information's below and return it back to citibank of london for immediate release/transfer of your funds, please complete the empty requirements below and send it back to citibank bank of london.
Sincerely yours,
Alex cunningham.
Director foreign payment online transfer.
Citibank of london uk.
Tel: +[protected].
Fax: +[protected].

I'll be waiting for your immediate action on this.

I hope this message gets escalated to the highest level of Citibank management possible. You can verify my accounts with Citibank by checking my phone number [protected]).

Currently, I have over 10 different types of services/accounts with Citibank (list below) and I’ve earned over 300, 000 points with Thank You network. However, I will not be a loyal customer of Citibank anymore since Citibank has not been treating their customers right. For the past year, there have been a number of incidents that makes me believe that Citibank does not care about their customers anymore. They are listed below.

I will start migrating all my banking services to other banks. I’ll also make sure to post this message everywhere so other will be aware of how horribly Citibank treat their loyal customers.

BTW, I used to believe in Citi… I currently own more than 20, 000 shares of Citi stocks. I will be changing this position going forward.

1 -
This is the tipping point of my dissatisfaction with Citibank.

Today, 2010.05.17, Citi Premier Pass card decided not to honor the credit limit overage usage that is build into my account. The reasons, one, I haven’t been utilizing my credit line nearing my credit limit. Also, I’m not allowed to transfer my credit from one card to another.

2 -
Citibank has been cutting my credit to the minimal - the reason being that I have high revolving debt. However, I’ve never been late with any payments. The high revolving debt is actually used for business investment purposes.

3 -
Citibank decided to close out my Business Checking Line of Credit without any prior notification. This caused me quit a bit of headache since a number of transactions were rejected due to the line of credit not being available.

4 -
Citibank started to charge $10 for automated draft from overdraft protection line of credit. The overdraft protection line of credit is designed to protecting overdraft. Citibank started penalize the automated draft. I have to manually transfer money out of overdraft protection line of credit to checking. What’s the point for having automated overdraft protection line of credit?

5 -
Citibank raised my credit card rates to a whopping 30 percent. Thank god I pay off my complete balance every month. 30 percent is ridiculously high. It’s highway robbery.

Dear Sir;
Please consider this letter and let me know if it is a scam letter as I have been getting several of these from the same organisation:
Dear Mr. Abdul Sam Khan

I am forwarding you copy of mail sent to my office by CitiBank. I hope it was also sent to you.

Attached are evidences of your funds existence and payment modalities been processed for release to you.

We will also be dispatching the ATM Debit Card and MasterCard Credit card with your cheque book to your nominated address. The ATM card will be used to withdrawal cash from any ATM outlets in your country, and also the MasterCard Credit Card will be used to pay for goods and services/bills.

I will need you to remit the fee by western union in my Secretary's name:

Kingsley Onovo
Address: 15 Isaac John Street Lagos Nigeria

Provide sender's name, amount remitted (i.e. $500), control number, city/state of sending, and Text question and Answer.

Thanks, and I hope for quick release of your funds by your urgent compliance.

Philip Cole
============

----- Forwarded Message -----
From: CitiBank Group
To: [protected]@rocketmail.com
Sent: Monday, August 8, 2011 12:52 AM
Subject: Evidence Of Your Acct & Payment - Mr. Abdul Sam Khan

Dear Mr. Khan

We sent the below mail with attached specimens of your ATM & Credit Card. You are directed to contact Mr. Philip Cole, who will assist you process a Police Clearance Report that will certify the funds free from terrorist and money laundering as required by US Patriot Act and United Nations Financial Action Task Force.

Without this process been concluded, we cannot dispatch your Original of your ATM & Visa Credit Card and also grant you access to your offshore account online.

We therefore, advise that you contact Mr. Philip Cole (email: [protected]@rocketmail.com) and ensure you comply with his instructions for quick procurement of the Clearances.

Thanks, and if any problem contact our office immediately.

Yours
Kennedy Smith
===================

We previously had savings & checking with Chase Bank in Colorado, but withdrew our funds because we were not happy with the service and it was very slow whenever you did a transaction at a teller or outside window. Just recently they have started phoning us at work on our cell phones acknowledging we were in the bank to pay a regular payment and asking why we don't do our full banking at Chase. This is very annoying, not to mention our place of work does not accept us taking unnecessary calls. If we wanted to bank with them, we would do so, we don't need them soliciting us. Have any complaints come in on this practice? Isn't it illegal for them to use your personal phone for this reason? We do have a car loan thru them and that is how they have our phone numbers.