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report scam| Country | United States |
| State | New York |
| City | Long Island City |
| Address | One Court Square, 10th floor |
| Phone | 973-960-5458 |
| Website | https://www.online.citibank.co.in |
Citibank Reviews
I am a business person and I go online to do Banking but after keying the same information time and time again 18 times, I called the credit card company at Citibank Best Buy and the lady asked me for personal information which the United States Government States you do not give your social security number over the telephone to anyone because they the Banks are selling your identity to people in Africa and they are stealing your identity and they Citibank Best Buy Credit Card requested my social security number in which they are violating Federal Government Law so they're violating Federal Law and they impose communist harassment against its customers. I had to type in my personal information 18 times through Citibank Best Buy Credit Card call in center online and I got so fed up with it that I called up the Citibank and they possess the Communist harassment against me over the phone. America is a free nation and they're violating the Government's Laws of banking and nothing was accomplished and I do not owe them money because the product was returned and the bank is still charging me and telling me I owe them money? which I do not... This is how criminalized the banking system has become in America thanks to Joe Biden and the Democrats. Now the lending Rate of 18.9 % interest on Credit cards is No more because of the Criminalized Democrats who allowed Banks to charge 30% interest and Loan Sharking is 23% interest. Welcome to the United Criminalized States of America.
I am writing today in the hopes of immediately resolving a dispute, which was filed on February 1, 2023 – nearly 6 months ago (or 21.5 weeks ago, or 151 days ago)! That is clearly and grossly beyond regulatory guidelines.
Below is a timeline of my interactions with Citibank and Bank of America. It should become clear quite quickly that no one is taking responsibility and I am being pushed aside.
As you will see, I have been told the same thing time after time; I’ve been told there’s nothing Citibank can do due to Federal regulations; I’ve been told ‘its pending’ numerous times, and I’ve been told I’d get an update. I’ve been beyond patient. But almost 6 months is long enough.
1/2/2023 – Paid bill for My Best Buy Visa Card in the amount of $7,097.58 (Citibank check). Sent via USPS to vendor.
1/18/2023 – Alerted that my payment to Best Buy has not been made. I file a dispute with Best Buy. I pay balance with my credit card to avoid late fees and bad credit ($7,097.58).
2/1/2023 – Spoke with Gabby at Citibank. I open a dispute with Citibank for forged endorsement .
2/8/2023 – Best Buy Investigation proves they never received/cashed my check. Their dispute is resolved and closed.
2/12-13/2023 – Receive Statement of Unauthorized Use for Claims of Forgery form from Citibank. Immediately sign and send it to the email provided ([email protected]).
2/14/2023 – Send copy of resolution letter from Best Buy to email above, showing proof that Best Buy never deposited the check.
2/24/2023 – Fax over same documentation to Citibank (866-693-0144) as it appeared the email was not received.
2/24/2023 – Via website chat, spoke with Rachel. She states the dispute is still pending; Dispute date is 2/1/23 and can take 90 days. I asked her to expedite the dispute.
3/13/2023 – Spoke with Jovina. She states the dispute is still pending. For some reason, Bank of America (the depository bank) has not replied to them.
4/7/2023 – Spoke with Chelsey. Dispute is still pending. Bank of America is investigating because it was cashed through them (this is the first time I’m understanding why Bank of America is involved since I paid from a Citibank account, to Best Buy Citibank Visa.)
5/9/2023 – Spoke with Rochelle. Case is still pending. She states they are still waiting for Bank of America. She files a “follow up” which will expedite the dispute. I’m told to call back on the following Friday.
6/8/2023 – Spoke with Ken. Case is still pending.
6/26/2023- Spoke to manager Jeff. He states this has been 145 days since I first filed the dispute! He states the case is still pending and that they are federally regulated as to how to proceed – there is nothing they can do, and they are only allowed to contact Bank of America every 2 weeks! I ask for Bank of America’s dispute number so that I may follow up with them myself . Jeff also tells me I can check for any updates and/or messages in my secure folder, but have received nothing to date. He informs me the investigator is Karen W. but wouldn’t let me speak with her or divulge her contact information.
When I asked why Citibank won’t put the money into my account while they wait for Bank of America, Jeff explains that since it’s a check that isn’t policy (as opposed to a credit card dispute which would be deposited into my account immediately).
6/27/2023 – Contacted a banking professional on my recourse and plan of action. Advised that I report to OCC, CFPB and BBB.
6/27/2023 – Contact Bank of America and spoke with Bethany (manager). She was able to find my dispute but was unwilling to speak about the case unless I had a Citibank associate on the phone, as well. I create a 3-way call between myself, Bank of America and Citibank (Jason was the associate from Citibank).
It’s discovered that there was missing communication and lack of follow up from both banks to each other. Jason assures me that he or the investigator (Karen) will call me later that same day or the following day. Never received a call from anyone. Still no message in my secure folder.
7/12/2023 – Spoke to Mary at Citibank. She states the investigator had filed a follow up, but that was from June 8th, 2023. I asked her if anyone filed anything on my behalf since my last conversation on June 27th which is when I was supposed to receive a return call with an update. She was not able to answer that.
Mary states that Bank of America now must do their investigation which could take an additional 90-120 days!
As of this writing, I have not received any calls from Citibank nor any secure messages, and only 2 form letters from the initial filings.
I am currently losing money from this debacle and will continue to as long as this case is “pending”. I am having to move money around to accommodate for this extreme inconvenience and to avoid late fees/missing payments, etc.
Somebody online hacked into citibanks online banking service and I've been calling Citibank for 2 days and nobody answers the phone (you only get placed on hold) so I am not responsible if anybody takes money out of my accounts; because Citibank does not answer the phones and will not correct the problem of somebody taking over my account from their online services that somebody must have Hacked into citibank's online banking Network and hijacked my accounts. On
They put three quarterly charges on my card from Grammerly in Google play that I never authorized. I called them and they told me they were going to cancel the charges. They sent me an email and I filled it out.
They said they would put two of the charges back on my card. Then they sent a message that they were going to cancel my card. Now they put all three charges back on my card. They are still going to cancel my card. I have always made my payments on time.
I have an excellent credit score. I had cancelled my Costco membership previously because I live too far away.
I opened a citibank checkings account on 03/25/2022. It was approved and funded through an ach for $25. I then zelle'dand deposited from a different account $150 so i can have funds in citi so i can use it to pay bills. However, on 3/29/2022 my account got blocked and i received an email stating it was being reviewed by the fraud department and to call 877-443-8871 for required steps and to access my account.
I called that number and they didn't give any information and said the account is still pending review and to call back in 24 hours. I then get an email on 3/30/2022 stating my account has been reviewed and will be closed 30-60 days because i violated terms of my service without explaining what i violated. It stated i don't have access to my funds and once the account is closed, they will send me my money.
They had no issue receiving the deposit instantly but now they will take their sweet time to give me my money back. I tried to call their number on the email about my account, 844-856-8815 about discussing my account, but the agent just said it's pending review still. I always get outsourced agents from another country that don't know what they're doing except reading a script about the account being in "pending review."
I would like my account to stay open or return my money back as soon as possible so i can take care of my current bills. I'm not rich like other customers so i don't have thousands of dollars that can be held.
I am the victim of ID Theft that was reported to Citibank, they CRA's, The FTC, the Police and the Attorney General of Texas.
This has all been confirmed and I attempted to work with Citibank from 04/07/21 - Present but they have turned around, blaming me and stating that I was somehow part of it all. This is comletely false since my identity was completely stolen. Things started to go wrong when I went to Costa Rica on business from 03/15 -04/23/21. I presented Citi with all flight itineraries, hotel infomation, etc. surrounding my travel but they have not believed it and done very poor investigation across mutiple departments, some being overseas and they completey screwed things up.
To start with, I had my personal laptop stolen from my Marriott (Fairfield) hotel room at the beginning of January 2021. I noticed it was missing, likely the next day since I needed it for some personal business and noticed that it was missing from my closet where I had placed it in it's bag. The thieves stole it from there, taking the competer bag and all.
They had obviously broken into my room while I was out and removed it. I filed a report with the Hotel, they questioned all of their employees and they called the Miami police where I filed a police report.
I did again upon arriving home from Costa Rica (CR) on or about 04/27 and 05/06/21. The first for fraud and they 2nd for ID Theft. I submitted all three of these reports to Citibank (Citi), once available, along with all supporting documentation and explanation that I was not in Country when any of this took place.
The fraud dept did a good job and though one part was shifted off-shore the Manager brought it on-shore due in order to have a concurrent investigation and they contacted later, stating I was cleared of all fraud and removed everything. They had cancelled my cards and issued new ones at that time. Later, I was notified that another department had added them back, but then removed them again with complete understanding.
Then they were all sent to the Credit team who suspended my credit lines and submittted them to the Citi Exective Review Unit (Citi-ERU). who then convoluted everything after Citi employees had spoken to both me and the presumed fraudsters who gave conflicting information from myself, had "spoofed" my phone (verified by T-Mobile/Sprint in writing), "spoofed" my email (verified by google over the phone) and also appear to have mimicked my voice, likley using devices and/or software that are free on the web or purchased such services that I have found out were very cheap and spoke to Citi as they were me.
This was after they took over my online account, took my identity and had run up all credit to or close to the maximum. In addition, Citi accepted FAKE ACH payments from these fraudsters either online or over the phone, allowing them to charge further. What a mess. As I understand, Citi is content in believing the fraudsters and reapplied the fraud on me. Citibank, is not easy to deal with this in this arena because each time you call you get a diferent agent and start all over again.
BEWARE OF CITIBANK. THEY HAVE LIED TO ME, AND REFUSED TO CONTACT PAYPAL. THEIR ACTIONS ASSURED THAT I WOULD BE CHEATED BY A COUNTERFEITER! USE ANOTHER BANK THAT WILL PROVIDE SERVICE, AND WILL NOT CHEAT YOU! In December I purchased a coin from Singapore. It was described as choice uncirculated. The coin was not only counterfeit, but also bent. I complained to both Paypal and Citibank.
Paypal asked me to provide to them proof of the coin being returned, as well as a copy of the postal receipt. They said they would reimburse me up to $100 for my cost to return the coin. I did so. They initially said I was refunded the $594.09 for the coin and $67.30 for the return postage. Then they informed me that since I complained to Citi, my complaint would be addressed by them. I asked what I should do. They said to cancel my complaint with Citi. I did so. I waited a few days and called them. They told me that since Citi had never informed them about any cancellation, Paypal was prohibited from addressing my complaint. I again called Citi. Citi told me that someone would contact Paypal. Citibank lied.
I waited another week and called Paypal. They said I should make another complaint with Citi. I did so. Initially Citi provided a refund of $594.09. I was told that my refund is listed as a permanent refund. Once again I was lied to by Citi. Permanent is supposed to be forever, not two weeks. Two weeks later, I received an email stating that since I canceled my complaint there is no longer any refund.
I once again called Paypal. They told me that since this issue began they have never had any contact from Citi, and my issues are with Citi. I use a credit card for protection and convenience. This experience has not been convenient, and Citi has refused to protect me from fraud and counterfeiting.
I am a victim of fraud and counterfeiting. Hopefully my complaints and reviews will ensure that other consumers will choose a bank and credit card that will actually represent their client's interests, and not assist in fraud and theft. Tony Raymond Baltimore, MD
I refused to pay an alleged ADB overcharge after I paid $6500 on my account, leaving less than a $900 balance. They charged me $82 in interest for 10 days into my billing period and only $10 for my payment. Who ever has $10 payments??? I tried to get an adjustment to the interest. Instead, in ONE MONTH, they wanted to put me on a "program" or "treatment" plan (I've always paid regularly), and turned me into collections, even though I did pay $50 when my actual payment would have been around $25, for the $65.00 they say I need to pay to bring my account current. They gave me their "rules" on ADBs in the chat, which would take a CPA to understand (and I tutored accounting in college!) They also dropped my credit limit from $9000 (!) to $970 (!). They want to "review" my income to see if my credit limit can be increased. lol I don't think so. I have other cards I can use, one at 0% interest. Also, I purchased a car on my Citicard, $5000, at 5.99%. Less than two months later, they raised my interest rate to 22.99%. They refused me a car loan or a flex loan. I filed a complaint with the Federal Reserve Consumer Protection department. Other than receiving CB's "rules" for ADBs and closing the matter until I gave them my response, they've done nothing to help me, even though I'm a senior citizen on a fixed income.
Citibank now calls me at least 2-3 times a day for that $65, starting at 8:15 a.m. through evening hours. I plan to continue paying them $50 a month until I am able to do a balance transfer or get the $82 in interest reduced as I requested in the first place. I did this in March, 2021. This is only April, 2021 and they’ve done all this damage to my credit score and credit limit. They denied affecting my credit score, but I found evidence of that on my credit score alert this week.
Amt. 164.97 Filed dispute with Citi Bank on 12/02/2020. Never received a letter from Citi Bank requesting back up documents for my dispute. Emails to Merchant “CANCELING” the order were forwarded to merchant on 11/25/2020 (within 24 hours of said order), 11/26/2020, 12/01/2020 (and have been submitted to Citi Bank)
No responses to above emails from merchant, even though they state they have 24/7 Customer Service (and submitted to Citi Bank) Merchant shows a Colorado Springs, CO location address on their website and they are actually located in Beijing, China. Citi Bank is informed of this information. Merchant has removed their website from the internet. Citi Bank was informed of this information.
01/30/2021 Received E Communications Letter on Citi Bank's secure website, that my dispute is closed, the charge is reversed back to me and Citi Bank rules in favor of the Merchant. “Copies of Merchant's rebuttal are attached at the end of this communication!” Nothing attached!
Copy of Citi Bank's response:
Date Amount Description
11/24/2020 $164.97 HIDDENGEM CHIBASHI CHIY JPN
A copy of the merchant's response is enclosed.
Based on the information available, we have closed our investigation and
reversed our credit.
(No Merchant response attached)
I have NEVER RECEIVED any email communication from the merchant, other than confirmation of order. I have NEVER RECEIVED any products ordered, despite Citi Bank stating they have “PROOF OF SHIPPING AND PROOF OD RECEIPT” but have NEVER FORWARDED SAME TO ME.
I thought I had done my due diligence, verifying this merchant was located in the US, however, have since found, that many SCAMMER CHINESE Merchants are securing US addresses for their websites to convince US citizens they are buying from an American company! (Verification of several merchants who are located in China and using US addresses were investigated. Call made to one company whose address was used and they verified no such business is located at their address)
I request a reopen of my dispute on 02/02/2021.
Citi Bank informs that said back up documents can be emailed to them to [email protected]. Back up documents forwarded. Never receive confirmation of receipt of documents from Citi Bank.
02/02/2021 On Line Chat with Citi Bank states, no email received. Original email was never sent back as “UNDELIVERABLE.” Forwarded email 2 more times.
02/02/2021 3:35PM Confirmation from Citi Bank that email was received. Direct quote from Citi Bank in email: “Thanks for providing additional information regarding your $164.97 dispute. We're reviewing it and will get back to you. “
ON LINE CHAT conversations with Citi Bank (through their secure website):
Request is made to receive merchant's rebuttal documents. Citi Bank informs the documents will be uploaded and available in 24-48 hours.
48 hours later, no documents are uploaded.
Conversation with Dispute Back End (Specialists) Team Member, only document received from merchant is copy of order form.
ON LINE CHAT:
Citi Bank states they are in receipt of a “PROOF OF SHIPPING AND PROOF OF RECEIVING” receipts from the merchant. Request is made for these documents. Citi Bank states they will upload within 24-48 hours.
48 hours later, no documents!
Citi Bank now claims dispute was submitted under wrong classification and should have been submitted as “UNAUTHORISED CHARGE” and Citi Bank may NOW not be able to assist with dispute!
Citi Bank uploads one document with no letter head, but is obviously as what the Dispute Back End Team admitted Citi Bank received from merchant, ONLY a copy of the order.
Request answer from Citi Bank how this dispute was submitted in the wrong category and Citi Bank may not be able to assist, when it is clear the order was authorized. NO RESPONSE.
Citi Bank informs that the order was made, then canceled and submitted, “GOODS NOT RECEIVED” and I, the consumer must understand, there is a difference. On line, it is clearly a submissions of an “Unauthorized Charge” or “Good Not Received.” Since the charge was authorized, how can Citi Bank say it was filed incorrectly and no assistance may be available? No Response.
Requests are made many more times requesting a copy of the “PROOF OF SHIPPING AND PROOF OF DELIVERY.” Citi Bank informed it is being mailed. No receipt of any documents. Request was made again. Citi Bank forwards a copy of the blank (no business letter head) original order, but no “PROOF OF SHIPPING OR PROOF OF RECEIPT” documents, that Citi Bank said they had.
Citi Bank does not reopen said dispute, no reverse temporary credit is made on account.
Citi Bank forwards a letter for signature and states:
Citi Bank “DEMANDS” copies of emails from merchant stating the merchant accepts my cancelation request.
Citi Bank “DEMANDS” a copy of the merchant cancelation and refund policy from their website; which, no longer exists, however it is found on a Suspicious Review site on You Tube, and states: “Please contact us as soon as possible. Any items already shipped cannot be canceled. (Order was canceled within 24 hours!) All refunds will be made within 10 business days. This has been submitted to Citi Bank, but is refused because it is not the merchant’s website, which Citi Bank has been informed (on many occasions) the merchant no longer had a world-wide website!
From Citi Banks Letter on E Communications through the secure website:
If you continue to dispute this charge please provide:
Proof of the terms and conditions you agreed to and documentation to prove
you cancelled in accordance with those terms and conditions. An example of
this proof is a cancellation confirmation email from the merchant.
Request made that Citi Bank to do “THEIR JOB” and request said information from the merchant since no emails in response to cancelation and no product was ever received from the merchant to consumer (ME)!
Citi Bank was informed that the merchant used a fraudulent address in the United States as their location, when they are actually located in Beijing, China.
Citi Bank was also informed the merchant charges State Sales Taxes for the states that require State Sales Taxes...when indeed, the merchant in located in China!
Citi Bank is now informed that even though their customer may be a Senior Citizen, she does not have a fragile mind or dementia and is feeling Citi Bank is intentionally trying to intimidate and bully their long time, paid in full every month, credit card customer!
Merchant's phone number is verified the merchant is located in Beijing, China and reported to Citi Bank.
02/09/2021 Citi Bank forwards the following E Communications letter (BEAR IN MIND, THE ORIGINAL LETTER RECEIVED STATED DOCUMENTS MUST BE RECEIVED BY 02/26/2021!)
Date Amount Description 11/24/2020 $164.97 HIDDENGEM CHIBASHI CHIY JPN We have reviewed the information concerning this dispute. Unfortunately, we are unable to resolve this dispute in your favor since we have not received the proof of what was expected versus what was received and the document showing you made an attempt to resolve this dispute directly with the merchant. Please contact the merchant to pursue this matter further. We now consider this investigation complete.
Response made to Citi Bank in reference to above by email, dated 02/09/2021, 10:11AM:
PLEASE NOTE AND BE ADVISED OF THE FOLLOWING:
1. Citi Bank Dispute Dept. stated in the On-line Chat through Citi Bank's website (Check your records!), that Citi Bank has received “PROOF OF SHIPPING AND PROOF OF DELIVERY” receipts from the Merchant, Hiddengems, located in China. You also stated that you were mailing said documents to me and I have today, received a copy of what looks to be the order, on a blank paper, no business name etc. The “PROOF OF DELIVERY AND PROOF OF RECEIPT” DOCUMENTS WERE NOT ENCLOSED!
2. Using this document received however, does show proof on intent to purchase, which clearly shows that I DID NOT SUBMIT MY DISPUTE UNDER THE WRONG CATERGORY WHICH CITI BANK STATED, “MAY NOT BE ABLE TO ASSIST ME BECAUSE I DID NOT FILE IT UNDER “UNAUTHORISED CHARGE!” but “GOODS NOT RECEIVED!” ...WHICH IS TRUE! THEITEMS HAVE NEVER BEEN RECEIVED!
Citi Bank has also violated my rights to return said requested documents, that I have in my possession ie: copies of MY EMAILS that state this is to be CANCELED etc. As I have repeated MANY TIMES...I HAVE NEVER RECEIVED ANYTHING FROM THIS MERCHANT IN RESPONSE TO MY CANCELATION EMAILS...THEREFORE, IT IS CITI BANKS RESPONSIBILITY TO PURSUE THIS REQUEST WITH THEIR MERCHANT! NOT ME, THE CONSUMER, especially since I have no access to the Merchants email account to provide said documents, that do not exist in the first place!
(Citi Bank On-Line Chat responses have been saved)
As of last year, I experienced repeated problems with billing disputes with Citibank Costco Rewards.
On disputes I had filed, Citibank was processing disputes incorrectly. If I filed a dispute, they were crediting the dispute to my account and stated the dispute was resolved. I assumed they were following up with the merchant to verify the validity of my disputes. Instead, they were issuing me credit, they were following up with the merchant, and even if the merchant stated they disagreed with the dispute, Citibank was leaving the credit on my account. And, they went ahead and paid the merchant as well. Some of these disputes were well over $100. Then, without my knowledge, they were coding the disputes as misrepresented that were paid out twice. This lead to my account being closed despite an excellent payment history. They closed the account within days of issuing my Costco rewards money, nearly $1000 for the year. Fishy.
About the time this happened, online dispute paperwork e-mailed started disappearing. I contacted Citibank to discuss the problem, and customer service stated other people had complained about online dispute paperwork disappearing. Same with cardholder agreements that had been requested.
I began requesting copies of all my dispute paperwork from Citibank billing disputes by e-mail and by phone. Some paperwork was received but the vast majority was never sent despite repeated e-mails, phone calls, and an e-mail conversation with high-level management. The majority of the paperwork sent to me wasn't even processed correctly. On several disputes, they coded the disputes incorrectly, processed them as defective merchandise when they were coded as goods not as expected/received. For example, I disputed two restaurant charges because the merchant failed to properly credit my account for burned pizzas. Obviously, a pizza can't be defective. Defective is not the same thing as goods not as expected received. And, Citibank never provided the merchant with my name. So they had no idea who the customer was. The merchant ended up issuing a refund on both charges after I figured out what had happened. This was the trend on nearly all of my disputes.
When I began reading the dispute notes internally from Citibank, the write-ups were not even coherent and were wrong. Come to find out, Citibank has outsourced all of their dispute process overseas. The least they could have done was send me follow-up paperwork during the dispute process. I would have happily contacted the merchant to help resolve the issue or would have sent supporting documentation. I was told that because of the dollar amount of the disputes, they felt like it wasn't worth their time to follow up with me. Seriously. Quote directly from an employee in the Office of the President in South Dakota.
It has been over a year now since the problem began, and they have still failed to reopen my account despite combing through my dispute list, independently contacting merchants to find out what was received on their end, asking them to rebill me for specific disputes that I obtained a direct refund from the merchant on, and showing them paperwork that the merchant refunded me personally or directly to my account. They also have failed to send me all the dispute documents as requested. All dispute documentation has been requested, including the merchant's response. . .
Incessant rebilling problems include ranging from rebilling incorrectly to failing to rebill. The online dispute history rarely matched the actual dispute process or paperwork sent, too. I have screen prints of everything.
They repeatedly sent out contradictory documentation on their rebilling process and made contradictory statements over the phone. They cleared up most of these rebilling problems once I alerted high-level management with the company, but there are still a couple not processed correctly and no attempt has been made to-date to rectify the problem.
If you have had a similar problem, I would strongly advise filing a complaint with the CFPB, your state attorney's general, and the attorney's general of South Dakota. And, the BBB. I would also document everything you have in writing via e-mail, keep track of your phone calls, and make screen prints of everything online. Make sure you ask for all dispute documentation including the merchant response. You'll be shocked at what you find if they actually manage to send you the documents you requested.
If you believe you have been overcharged on a mortgage interest rate by Citimortgage (ie you were entitled to a lower rate), please contact Evans law Firm Inc. www.evanslaw.com 415-441-8669
I am writing this letter in reference to the account number 92206646. My account was compromised: on July 1st there were two fraudulent transactions not authorized by me. One of the was for 6,000 and another one-for 8,000. I discovered this on July 3d when I attempted to withdraw cash from the ATM and my account appeared to be blocked. My husband, Yan Khazhinsky, who is another signer on the account, immediately went to the Citibank branch and opened a new account and initiated investigation with the fraud department. At that time we were told by the representative from the fraud department that we will be credited these money back with 10 business days. This had never happened. Instead in two weeks I found out that investigation was cancelled because our information was not updated. We were told to visit Citibank branch to provide updated information, which was done. We were also told by the Citi representative to call back fraud department in order to reinitiate the investigation which we did. The date was July 14. The reference number for this new investigation was R-114522200714. Again, we were told that even though investigation may take up to 90 days, we will be issued a provisional credit of 14,000 with 7-10 days. When I subsequently called Citi to find out the status of the investigation I was told that no credit will be issued until the end of investigation which may take up to 90 days.
We had been Citibank members for over 20 years. We are loyal customers of Citibank. We feel that these mixed messages that we are getting makes Citibank look not very reliable. We were counting on these money since we have to pay for our daughter’s education within next week: her tuition college bill is due 7/28.
They reported on my credit that I was 90 days past due. I changed bank accounts and they kept trying to take money out of the old account.
I made multiple attempts to fix the problem and was told it would be fix and it was not. Now they are blaming me and refuse to remove their false information.
A few weeks ago I was purchasing flights through American Airlines (aa.com)
Upon purchasing I was presented with an offer for a credit card that provided a statement credit of $250 if you use it to purchase your flights. (AAdvantage)
I signed up for the offer and used the card immediately to purchase flights. I could have used several other cards I have with really good rewards, but I did not due to this offer.
When I received my first bill in the mail, I noticed I did not receive the advertised credit, which was the reason I signed up.
I called in to customer service, thinking they could easily help me, but apparently there was two cards accidentally created at the time of sign-up with the second card actually being used for the flights, and also the one I received in the mail.
Obviously I never wanted two cards.
I had to be escalated to a manager who said there was nothing they could do because there was two accounts created, and my offer was stuck on the "first account", which was never used.
I explained that I only used one of the cards to buy the flights ($800+) and I just wanted the duplicate card closed and my statement credit fixed.
They repeatedly told me that because there were two cards created, I am out of luck, and there's nothing they could do for me.
I explained over and over that the multiple accounts being created was an accidental circumstance that I never wanted to happen.
All they had to do was hear me out, realize that two cards were created in error, and hook me up with the credit as advertised.
So, I cancelled both cards and I am avoiding doing business with either Citi or American Airlines ever again.
This was a blatant slap in the face which should have been the beginning of a new customer-business relationship.
I had planned to use this card generously.
This was one of the most illogical and ridiculous things I have ever experienced, and a terrible way to start a new relationship with a customer.
From a managerial standpoint, my mind is completely blown. None of this makes any sense, that they would let someone who spends over $10,000 on credit cards per month due to a self-owned business completely walk away, so unhappy.
CITI DOES NOT CARE.
The employee who denied me is named Arnel and his work code is "NINJ61"
I am facing the world of business marketing my idea through Rumors in the street. The results is they are leaving me poor because i not get hire no where to help myself market and sell my own.
Contrary had i had a job some bills would have been paid off. The majority knows this factor so there People in society set it up so I could help my self therefore leaving creditors not to approve of anything.
Had this card for 18 months, when i was appraoching my "Graduation" date I called in to confirm, and was told it was in a few days. Then I called back in the next week and was told my card would have to be reviewed FOR ANOTHER 12 MONTHS.
Even though i had made all my payments (checked on CK) was told because i had gone over my limit a few times, but that shouldnt matter if all payments were made on time....SCAM avoid CITI cards they never graduate and they hold your deposit indeffinately. Way to scam your customers.
If you have a Citi credit card you will want to check to see if you are acutally receiving your statements if you are on "paper" billing. Received a call from Citi telling me my account was 60 days past due. When inquiring into the matter found I was told by one of their reps , who would not provided his last name, that I was not receiving my statements because I choose "paperless billing", when asked for verification I requested it he could not provide it, only response was it was done "electronically", again asked for proof and could not provided it. Was also being charged late charges that could not be waived until I brought the account cutrrent!! Payment to bring account current INCLUDED THE LATE CHARGES!!!! Simultaneously was on a chat with another rep from Citi who confirmed my account was "paper" billing and not "paperless billing". So consumer beware, another tactic by a big bank toincrease their profits at the soct of their customers!!
I purchased Toro mower and was promissed $250.00 rebate per thier promotion on website. I submitted all documents as requested and now they say they did not receive one of them.
Citi-prepaid cards are a giant rip-off. I earn rewards points at my job and I can turn it into cash when I want to. I put money on my card and it would not work properly through any type of check machine, so I ordered a new card and paid extra to express deliver it to me. I was told I would have it in 5 days. We are in day 15 and it still has not been shipped yet.
I have called them no less than 8 times and I have been outright lied to 8 times. I called today and was told they did not know when my card would be shipped. I have talked to 3 different supervisors and they have all lied. I know that someone has to know why I have not recieved my card yet but no one would admit to it. I feel like I am dealing with a company that is so deep in the woods that they do not have a mailbox. Also I cannot understand what they are saying and have to ask them to repeat themselves.
The sad thing about it is I trusted what I was being told so that is my fault. Anyone ready this should take note, if you have a card because of a rewards program through your job, pay the extra monies and put it in your personell account. Stay away from these people because if you have any problem at all you are on your own. This is part of Citi-Group and it does you no good to try and talk them. Right now I am pissed because there is not one d**n thing I can do and it is my money not theirs.
I deposited a check last sept of 2017 in the amount of 5050.38, the check was supposedly a bad check, untill i received in the mail a ''legal copy'' Of this returned check and began to investigate and asking questions, why wasnt the original check given back to me with my wet ink signature and why did i receive back a copy of that check with all these added numbers which are routing numbers and trace back to many places. theres a new york routing number and another number 0000555038 traces to some kind of financial institution in poland, so here we have a check which is supposed to be worthless and they are making transactions with it [by evidence of the numerous routing numbers] and lying to me about everything, and they try to make me believe i owe them something when i never received any ''bill'',
furthermore there was a fraud committed and they refused to let me file a report for fraud, furthermore i can almostgaruntee my account was insured by the FDIC and the citibank did collect on the formentioned amount after 90 days, as ALL BANKS COLLECT ON DEFAULTED MORTGAGES ANYWAYS AND NEVER TELL THEY DO,
so why was this ''bad check'' sent all over the world with multiple tranactions and they claim i owe them something now and make threats with chexsystems, when i was never given a 'bill'' and or never received any affidavit or swron statement of a wrong doing, this is crazy this amount of fraud , they use word semantics and smoke and mirrors and threats to get you to pay them for the third time, this is evil wickedness these bankers satanic liars thieves indeed, and on the CFBP website they cannot answer any question with clarity, they like to use distractive sideways talk like bill clinton, yeah, they cant answer one question from me,
so what i would like to see is the original check, and the proof of any ''debt'' AND THIER SIDE O0F THE LEDGER AKA ''SECRET BOOKEEPING''
I HAVE ALL RIGHT TO SEE FULL DISCLOSURE ANYTHING CONCERNING MY NAME WITH FINANCIAL RECORDS, I ALSO WANT TO KNOW WHY THIS ALLEGED BAD CHECK HAS ALL THESE NUMBERS ON IT AND I WANT A FULL EXPLANATION AND AN ANSWER WHERE IS THIS CHECK RIGHT NOW,
Chrysler FCA decided to save money by eliminating paychecks and making people either go with direct deposit, or a Citi Prepaid Card. The card is supposed to work as either a debit card or a credit card. I've had the thing for three months. Last month, I had waited for 30 minutes in a line at Costco for gasoline. I found the card would not work as either a credit card or debit card at Costco. The next day, I tried using it as a debit card to make a bank deposit. Citicard rejected again, this time by Bank of America.
I called Citi's "customer service". The man speaking in broken English with a foreign accent said that the problem "couldn't be with the card" because he had no record showing of the card being rejected. Similarly, today, I tried making a software download purchase with the card. Rejected again. Called Citi's "customer service" again. Same BS. The lady with the foreign accent speaking in broken English claimed the problem couldn't have been with the card, because (once again) they showed no record on their system of the card being rejected. Citi "customer service" is only good for problem denial. Citi Prepaid Card is unreliable, and apparently their account tracking software is also useless.
I applied for loan to combine a mortgage with Freedom mortgage and a equity loan with CIT into a Conventional. I paid $498 to get this loan. I didn't feel comfortable about the loan so I canceled the loan. I requested my refund but I have been blown off for almost a year. I have called every CITI number that I have come across. I only want my refund of $498.
Deposited ATM $3500 cash. ATM takes money and gives a statement. " I cannot return your money due to a technical error. I entered the branch to get a receipt but they were in denial and said there was nothing they could do. I spent almost 2 hours in the branch after closing time to get a resolution. I had to call the Torrance Police to intervene as my $3500 was missing and they refused to issue any receipt. Before the police arrived they issued a letter reflecting what I had claimed. The money was missing for 44 hours and was not credited even when it was found. Credit card services agreed to email me a receipt when the money was found and again a day afterwards but never sent it. The branch refused to issue a receipt even though credit card services indicated this could be done at the branch. Each time I was transferred to the branch the assistant manager Kimberely would intercept the call and reply with rudeness and hang up. I still do not have a receipt for my funds after 6 days. I am closing all my accounts with a bank that I cannot trust.
Citi Administrators do not honor the Double Cash Card Travel Protection features they advertise to the public.
Their Travel Protection brochure cites trip cancelation coverage when the cardholder's "permanent residence is deemed unsafe or unfit to live in". A septic system failure led to the cancellation of Jet Blue tickets. They denied reimbursement. Septic backups clearly are unsafe & unfit to live with. That's why the Town Board of Health gets involved and state of Mass. issues stringent regulations.
It seems Citi values profit over honarably standing behind what they advertise to obtain your business. Don't rely on it.
I applied for this card because of the promo balance transfer last year and in November of 2015 I noticed the interest rate was 29.99% from 19.99%.
I then started an inquiry on why I am charged such a high rate where I received several different responces one of which was that I am in penelty rate because I missed a payment in March of 2016.
In the terms and conditions for this account it states that the penelty rate shall not be for more then 12 months. now it is over 18 months and the rate remains the same.
I have never missed a payment according to my records and they simply don't care if I do not use the card and close the account.
it's a good thing I caught the rate hike before I charged any more on it and I will not be using the card and just paying off the balance then I will close the account.
They told me problem resolved returned late fee. Next month i received another bill with late fee and it had not been resolved. I spent half an hour on the phone with reps only to find out that Citibank changed its billibg address in January. And niw thwy were unable to credit late fee and interest charges. The rep refused to provide her supervisors name and told me tgat no one could resolve this issue for me. Dirty business practices.
I received a collection notice in June of 2009 from a collections company named Capitol Management Services . The notice I received claimed that I owed approximately $3,900 to Citibank. I immediately sent a letter to them disputing the debt and requesting verification of the debt. I never received any response.
Three days ago, I receive a 1099-C from Citibank South Dakota NA, showing a debt of the same amount which was supposidly forgiven on Aug. 20, 2009. This is exactly two months to the day from the collection letter.
My question is, how can they do this since they haven't even responded to my request for proof of the debt? I have searched in vain for info on guidelines which creditors and collection agencies must follow regarding this matter, with no success until finding this site.
Does anyone know how I can find out how to deal with this situation as I don't want to spend resources on a tax attorney if I can avoid it?
I am writing this follow up letter in regards to unsatisfactory service that I have received from your bank in regards to my finances. I have been making outreach to customer service since Friday, June 16, 2017 and spoke with one representative, who didn’t resolve my concern.
Enclosed you will find a copy of a letter and some supporting documents, which were mailed by me on June 22,2017 to Citicard regarding my refund of $337.28 and a new card. Both of these should have occurred by now. It does not take 15 days for these requests to take place.
There are many financial obligations that I have to meet and I have been going back and forth to the hospital and clinics for various appointments. Your lackadaisical attitude towards my finances has contributed to my sufferance for this month. I have to walk to many places within Brooklyn due to lack of funds; including doctor and emergency rooms.
If you cannot handle such basic requests in an expeditious manner, then I am requesting that you pay the full balance of $3,349.62 for this major inconvenience.
*This letter was forwaded to NYPD and NYPD Headquarters. This letter was also submitted in Brookln Federal Court as a supporting document; to prove inducement of financial hardship. It is now 7/11/17 and I still have not have my charges reversed, nor have I recieved a new credit card.
This is for Macys card that I rarely use. My wife had used the card mid 2016. Very minor purchase under $100. I had paid off the balance completely in a couple months. Citibank has this scam where they try and say that there's at least $2 in a balance. It magically appears. Why would I leave a $2 balance?
I was told by the customer service person that I had a $0 balance. Then I start receiving letters about me owing them. I called to find out and they told me that there was a $2 balance that carried over and grew to about $40 in about six months! I was more than shocked by this. As soon as they told me this I told them to cancel this account right there on the spot. The rep told me that Citibank had placed a negative mark on my credit because of Their shady, unethical, thieving business practices. They wanted me to pay off the balance.
I received a letter from a G. Goldberg Vice President of Citibank N.A.stating that the above referenced account is now $0. It's interesting that I received this letter from a supposed VP when I told the customer service person that I am reporting this incident on the web so that others will be informed of their shady, unethical business practices.
I would strongly suggest that you never do business with Citi, Citibank, Citibank N.A. If this company can steal a few dollars from you and times that by hundreds of thousands of hard working people, its a way for them to make a quick buck at the expense of their so called customers. It's beyond pathetic how this company operates.
Decided to pay off the balance on a citibank choice card we've had since the 1980s. The balance was over $5000 and we paid it online. After paying this, our online statement said zero balance. two weeks later I checked to see if the balance was
still applied but there was an additional charge of $54.02! We were told that these were finance charges that had accrued between the time the statement posted and the time we actually paid the 5000. SO we paid the 54.
Our bank paid the money as reflected on our checking account but the 54. balance is still on the statement.
After chatting online with a rep they informed me that there are still additional finance charges that won't stop accuring for two months! I asked them to tell me what the charges were so we could pay them but the only info I got was 'it's 30 cents a day'. We want to close the account but were going to wait til our balance was truly zero. We are so p*ssed off and upset and just want this done. Thanks
OctaPharma visa customer service are full of liars and cheats. I tried to use my card to pay dmv, correct pin and everything, funds funds available, declined 3 times. 3 two representatives and a supervisor told me it was going to take 8 calendar days to correct. That it would be fixed on the 8th day. Now I'm being told it won't be fixed until the 9th day and I'm being fined now for a negative balance and can't even put gas in the car much less renew my expired driver's license. I make little enough money and for them to keep my money from me is completely ridiculous. For them to lie to me is beyond ridiculous and unprofessional. Whatever happened to the customer is always right? I am so pissed off I can't even think straight.
Had Citibank NRI/NRO account for many years. Last year I got letter that the bank was closing the local branch and gave me the option to use another branch or close the account. Long story short, my account was closed and I was sent demand draft checks to USA. As it turns out, there is no way of getting these cashed in USA. All attempts at getting hold of a living being at Citibank in India have failed. Was able to get someone on live chat and person left after leaving a number which again is automated and can't get in without entering account number which I don't have anymore. Demand draft is valid only for a limited time and don't seem to be getting anywhere with this.
Costco Anywhere Visa Card by Citi They lost a large payment we made in August 2016, we disputed it when we were told they hadn't received it. Our bank started an investigation on August 22, 2016. I paid off the remaining amounts, stopping all activities. They found the payment of $888.04, sent a letter telling me the account would be credited on the next statement. They had also put a conditdonal credit on my account during the investigation period. NOW it's October, and we have a zero balance due and have a credit due to us of $154.87. Shortly after that we get a letter that we owed $888.04 again, but they reduced it with the credit balance, and now they are telling us that they will waive the late if we send our payment of $733.17. I have been trying to deal with this screwed up outfit but now they have turned it into collection!! We have gold credit, and we are elderly folks. Please help us. PLEASE! Internet
I am a disabled adult on a fixed income and the issue I experienced with this company was annoying, costly and later I found, illegal.
I had tried to make a payment on my Brooks Brothers-Citi Bank credit card and was automatically enrolled in auto pay for my account. I could see the “Automatic Payments Set Up” on the screen but when I treid to click on it and shut it off I was blocked.
I was not aware of this until I noticed my Bank account going negative at the end of the month with a payment being deducted for payment on a balance on that same card. This would not have been a problem except for the fact that I was not aware of the auto pay being input and as such did not budget the money to cover the payment.
By the time I found out, my account had been hit twice and the resulting fees totaled $70.00.
I called the company and explained what had happened and the young lady on the other end of the line told me she saw the auto pay and had removed it, that it would not happen again. The following month on the same day, a payment was again attempted and again my bank hit twice to the tune of $70.00.
At this point I went to my bank and asked about putting a block on that company for ACH payments. They informed me that they would have to block all ACH payments and as such all of my automatic payments for my medical needs would have to be done manually. I had these payments taken successfully for many years and did not want to stop them.
I again contacted Brooks Brothers and told them that I wanted to speak to a manager to get to the bottom of why this phantom payment kept popping up on my account. I DID get a manager who told me that I was wrong that this couldn't happen and I was either lying or not too bright. I assured her that I could in fact prove what I was saying and had bank statements to support it.
I looked at my webpage with the company, knowing I had a small balance for a sweater, $169.00 and figured I'd budget that amount to at least save me the bank fees, and then work on closing the account. Unfortunately, two days before the payment was due, I looked and saw that a payment for $392.84 was being pulled as there was another sweater purchased and they added it to the monthly balance even though it fell after the close of billing for that month. I was irate, I called the customer service department at Brooks Brothers and was told by the two people I spoke with that I was crazy, there was no automatic payment coming out and that "I should seek medical help because I was obviously nuts!" I then called the Citi Bank people and their tech support people said that they couldn't do anything for me. I deposited an additional $400.00 in my Credit Union account online to cover the cost (it was a Saturday) knowing the bank would be hit again. I told them that there WOULD be an ACH made and I WOULD be overdrawn ad I not covered what they showed was coming out and the people again said that I didn't know what I was talking about and that no money would be taken, that I was out of my mind and they promptly hung up.
On Monday morning I checked and my Credit Union and the payment of $392.84 was listed on the statement. I immediately called Brooks Brothers and got on the line with a lady who said she would look into the issue while I was on hold. When she returned, she said that she DID see an anomaly and that she was contacting the Tech Support people on the issue. I waited. About half an hour later she came back on the line, she apologized for the issue and said that it took some investigation but they figured it out and that I wouldn’t need to worry about it again.
I told her that I had been told this before and that just because she was telling me this with some conviction didn’t mean I was buying it. She said she understood and asked I get online and check my account, that I should not see the faded automatic payments set up on my page. I did and she was in fact correct, it was gone.
I asked her to explain what it was and she said that the tech support people couldn’t figure out exactly what was happening but they figured it was a coding error of some sort.
I was pleased that I finally was proven right but I was still out $210.00 in overdraw fees and was told that I was borderline insane by “Customer Service”.
Likewise, I was treated very rudely by the people involved save that last lady who finally helped me. She even offered to return the $392.84 so I could make a payment that fit my budget but by that time I was so shell shocked that I just wanted it over, I told her to leave it alone.
I was later offered a chance to rate my Customer Service experience with Brooks Brothers, Citi Bank which I most happily took rating them as the lowest form of retail life and that I would highly recommend that customers avoid them.
Two days later I received an email from a lady named Laura J Necessary saying she wanted to call me to discuss my issue and only needed to be told when she might be able to call me. I gave her times to call and about a day later, she called earlier than I had listed and as a result I missed her call as I was at a medical appointment.
Since then, I have returned her call four to five times a day for an entire week leaving messages for her and have yet to get a call back or find her at her desk.
Its pretty clear that this is standard operating procedure for Brooks Brothers-Citi Cards. Offering a remedy for a problem and then when called on it, ignore the customer with the issue.
My only question is why would a major company in retail do something so stupid. They stand to lose a lot of trade if the customer is lucid enough to know that reports can be filed to warn other would be customers which is what I have been doing. I have been in touch with BBB, Department of Consumer Affairs in Connecticut and now the Rip Off Report. I will tell everyone who will listen including Santa Claus if he happens to be interested. Either way, if you are dealing with these people, do not make payments on line! Do not offer to have them take payments automatically and do not give them your banking information because if you do, they will go in like a thief in the night and clean you out! To Brooks Brothers-Citi Cards, no need to contact me, I am doing fine with venue such as this one
Over the past approximately six months, I have had problems receiving my mail. Six or seven credit card statements and my homeowner's insurance bill were not delivered. This resulted in late fees plus interest charges on the credit cards and my homeowner's insurance being cancelled.
I spoke with my local post office twice in person and the Delivery Supervisor there said she would talk to my carrier and correct the situation. I also emailed the USPS about this problem I was having.
I thought the situation was resolved until recently I received another late fee and interest charge on another Citibank credit card statement. This time I called the USPS and filed a formal complaint and was contacted by a Public Affairs specialist who contacted my local post office again which verified they were aware of both me and my situation. The specialist said she got the Delivery Supervisor’s supervisor involved and would run a 10-day test on my mail to verify things were being delivered as they should.
As soon as I learned of the late fee being charged to my Citibank credit card, I called Citibank to tell them what happened. The representative I spoke with first said that it would be no problem to refund the late fee and interest charge so I paid the difference between the statement balance and the late fee plus interest charges on the spot. Only at the end of the call did the representative make it seem like there might have to be someone named an Account Services person to review/approve the late fee/interest charge refund--that it was not going to be done as he had said before.
While waiting the three to five days for Citibank to review my account, I signed up for online statements via email and for text alerts on my cell phone so I would know when new statements were ready (in case my Citibank credit card statement was not delivered again) and so I would know if my statement was overdue.
When I contacted Citibank again, I was told that I would definitely have to pay the late fee plus interest charges, despite my statement not having been delivered to me and actually having had been returned to Citibank (which they verified, despite the address being 100% correct).
Despite my explanations to Heather, a supervisor in the call center in Maryland, the lengths I had gone through to get my mail delivery problems corrected, to pay my bill in full as soon as I was made aware of the bill, and to set up alerts for new statements so that I wouldn’t miss another payment date again in the future. Her response was that Citibank had made a business decision not to waive any more late fees, period, and that was that. So harsh!
I advised her of my 11-year tenure with Citibank, my mortgage with CitiMortgage and my almost perfect credit score, but she was not swayed. And when I went back and looked at the first time this happened a few months ago (first statement not received in mail, late fee charged, Citibank agreed to waive fee), I noticed that while Citibank had said they would waive the late fee, they actually did not do it. I could find nowhere in subsequent statements a credit for the $25 late fee. Of all the dirty tricks - to tell a customer they would credit you with a $25 late fee charge and then not to do it (without informing you). This is despicable!
Also of note, I had six other credit card statements and a homeowner’s insurance bill not delivered, too, resulting in my homeowner’s insurance being cancelled. Other companies were willing to work with me regarding late fees and interest charges, but not Citibank. They were they only ones who were completely inflexible.
With the exception of lying to me, I do not know who is right in this situation because the USPS is the real culprit here, but I would like to complain about Citibank’s dishonesty and inflexibility in this matter. I did what I could on my end to improve the situation, so it seems like they should do the same on their end and work with me a little, too.
I signed a mortgage with this company in 2004 for the amount of $59000 as of my final statement before they sold my mortgage my balance was $64000. I was not notified of my morgage being sold and I attempted to contact them through the office that had my mortgage only to find the number was disconected. I don't understand how a person can pay all those years and have the balance go up. Now I am having to start over with this new company and pay the $59000. This company never gave me any answers as to why the balance was going up.
Citibank forced a home equity loan on an 89 year old woman in New York. The loan was forced on her February 2012. Her Doctor diagnosed her with Dementia in 2010. I am in possession of this letter. Citibank promised a Release of Lien due to the error. The Release was promised by Citibank employee Miss Towell from Texas. The Release was promised May of 2013. The customer passed away March 22, 2013.
I requested to close my NRI account and refund money in the name of my relative in India. The bank rarely picks up the phone or return to phone messages. Ultimately, after submitting requested documents several times and several phone messages and e-mails. After complaing to cosumer complaints, bank started responding, but no money yet. 6-8 months later the bank sent a check to myUSA address in indian currency, whereas that was requested to my relative 's name in India. I can 't deposit the check in USA due to Indian currency. I sent the check back and requested again to my relative's name in India. The bank kept on asking documents and verification faxed to them. Banks fax doesn't work. So, documents were mailed and e-mailed that they couldn't "read" clearly. Re-sent several times and now bank wants to verify over the phone. It was verified over the phone first time, too. It has been more than 2 yrs since citi bank was requested to close the account. The bank has not closed the account, yet and I moved from NJ to Florida. Bank wants to verify my previous address. This is a big scam. I have sent requested documents more than 10 times. I will stay away from citi NRI bank for any kind of business.