Citi Reviews 238

Worst card company ever. I have multiple cards with Citi. I recently got injured so used my card a little more than usual....all of a sudden they killed all my available credit. Been with them for years....not a single non payment or late payment...but when needed, they took all of my available credit away.

They have stolen $3000 from my account and there is no recourse.

Extremely disappointed with the service from Citibank—even with a Gold account. I waited over six weeks for bank statements that never arrived. I called multiple times and was repeatedly told they would be sent, but I never received them by email or mail. The lack of follow-through and communication is unacceptable. I will not be using their services again.

I am only creating this account and leaving a review (I never leave reviews good or bad) to let everybody know this is a terrible credit card company. I was talked into it last minute when checking out at Costco for my first time because they don't take just any payment method, so I signed up for what they recommended, and GD was I tricked into one of the most shady companies. Everything was fine and dandy for a little while, until I logged into my home bank account one day to see it negative SO many dollars. Why? Citi card attempted to submit a FULL payment on the card (after I had just submitted a 500 dollar monthly payment which covered well over the min payment) and dropped my bank account! I did not submit or approve the payment. I had just over paid and caught well up to speed on my monthly payment. Why would I purposefully try to tank my bank account and overdraft it by trying to pay the rest of the CC off?? I wouldn't!! But, the 4 customer service reps I spoke to all blamed it on me, saying I am the only one who has access to my account, and I must have made the payment and there's no other explanation. I was literally in the car after picking up my child from preschool on the way home when the payment was 'submitted'. It makes zero sense. Customer service is so extremely rude, they do not care about your account and will blame it on you, oh and when you have to answer your security word.... get ready to have to say it but also spell it... and if you spell it incorrectly you are doomed. Truly doomed.

HEŞT B0RŤ made the process simple and stress-free while recovering my funds. They are truly reliable. Highly recommended.

Worst bank ever! It’s a pain to reach anyone in customer service, all of the reps are over seas so difficult to understand them, take forever to pay out deposits bonus even if you met requirements 90 days before.

If I could give me negative star reviews I would. Just shut down the entire bank and do something else for gods sake!

They will try to get you to sign up for services that sound 'great' but then are unable to navigate easily to make payments. There's always 'sorry, something went wrong' error messages! The app updates are worse with each one, and don't try to get anyone to help with anything-they seem to be just as ignorant as asking some random person on the street to help. This is ridiculous. Every month it's the same thing with trying to make payments. Avoid Citibank. It's just not worth it.

How is your website incompatible with 1Password?

Pasting passwords from 1Password doesn't work.

Not happy with 'Citi Card' VISA through Costco...purchased (2) $100 'Vanilla Visa' Cards at my local CVS using my 'Citi' card Visa. These were gifts for my nephews during the Holidays. They seemed to be packaged properly and sealed. When my nephews opened the packages, the cards could not activate the enclosed cards, because they had missing numbers. The cards had been tampered with. CVS said that they weren't liable, and 'Vanilla Visa' gave me the run-around. Their customer service is horrible. They start you off by asking what the balance of the card is. How would we know that when we dont have the complete card number info. HELLO??!!...I am quite certain that Im one of many victims. I contacted the Better Business Bureau, then 'Citi' card. I told 'Citi' that I have the receipt of purchase, AND copies of the compromised cards, front and back!!. They credited me prior to their investigation. Then they denied me the credit with a letter stating that the funds were used, cards were activated & purchases satisfied. Of course thats true - BEFORE I PURCHASED THE CARDS!!
My gut??...they didnt give this and probably many other similar situations of 'FRAUD' their due attention. So, Im inclined to cancel the card...SCREW CITI

I am just a regular guy with an average income, and a good credit rating. For reasons unknown, Citi rejected my application for their credit card. I was intending to use it to get a price break on Costco gas and other items, but now can not. I wish only the worse for Citi.

Citi’s phone customer service is honestly the worst I’ve experienced.

We were charged interest on a Citi Flex Plan, which is supposed to not generate interest. This is actually the third timethis has happened to us. In the past, the issue was corrected, but this time they refused to remove an $85 charge that no one could clearly explain or justify.

After spending a long time on the phone and getting nowhere, it’s extremely frustrating. If a product is advertised as not generating interest, customers shouldn’t have to fight to fix billing errors.

Very disappointing experience. Because of this, I’ll be moving my spending to my Amex Platinum instead.

Master Card Citibank must have the worst customer service of the industry. People are just not qualified for customer service at all. For them, clients are useless/irrelevant, no matter what kind of client you are, premium or regular, the willingness to resolve any problem is zero. And when you ask for a manager to speak to, they tell you the wait time is 30 min. Then this lady I was having a conversation with, hang up on me when I asked her for her name. Terrible indeed, I am not cancelling the card only not to lose the miles. These people need an urgent upgrade of customer service staff, people who give a damn because most don't

If I could give Citibank less than a star, I would have. Just horrible customer service. First of all, I don't know if the girl had her microphone too close to her mouth, but I absolutely could not understand a word she was saying. There was no customer service. No. "Thank you for calling Citibank." Or "Have a wonderful day." Nothing. When we were done with our business, She said, "we're done."

I have credit cards with every major bank mostly to get bonus points. Probably have had around 15 cards. Citibank is the only bank where I have had numerous problems. To start they had trouble mailing me a card but eventually ended up somehow with two different credit cards. Canceled one, the other tried canceling after using and did receive the bonus only to find it wasn't a very good idea in the first place cause the bonus plus the trouble wasn't worth it. So tried canceling the card a couple times. Was told over phone it was canceled. Was not canceled. I did have some $15 autopay but instead of canceling they did not cancel and I ended up with a $40 late payment. They won't reverse even though they screwed up several times. I hate this bank!

Got a new Citibank AA Global Mastercard... charge $5000 in 4 months to get 90K bonus miles. Except any significant charge is immediately declined with no recourse, confirmed by CSERV. ("you can call us from the vendor and get it authorized while there", if I and they have a lot of time to wait.) I got the card, activated it, used it a few days, then tried to charge a $1200 car repair, declined twice. I used a different Citibank card, with no bonus miles, and it worked fine. So unless one can charge $5000 in 4 months using small charges, it's useless, corporate sponsored scam to get your $350! CSERV tells me I can call them for pre-authorization before I use it for any large purchase, every time. But they won't tell me what the limit I can charge without doing that is. It's quite embarrassing when the card is declined trying to pay. The card offer sounded good, like most scams. I will likely not make the spending retirement now with only small purchases, cancel the card and have to eat the $350. Lesson learned. I'll get a Chase card and if they are better will cancel all Citibank cards.

I have been with Citi for about 7-8 years. All of a sudden they closed my account. When I called to find out and have them revert that, they said they would need to do a hard inquiry, which would affect my credit score again, closing it dinged my credit score already. A hard inquiry stays on your account for 1-2 years. Because I had opened another premium credit card a year ago, I was hoping to wait 1 more year before applying for another credit card. Honestly, I'm confused. Don't they want more customers and credit lines open? I haven't used it for some time as I was building my credit - so I was shocked that there was no communication. When I confirmed what email and address they had on file for me, since I didn't get notified, the gal on the phone said she cannot tell me, so when I tried to check it myself, Citi required me to get a code from them, which she refused to do unless I reopened my card that they closed which she kept saying would be a hard inquiry. Overall, disappointed in Citi. Anyone else experiencing this? I have other credit cards open that I don't use (Chase, AMEX), and Citi is the first to just flat out close it for inactivity.

After more than 5 years using AAdvantage Credit Card, paying 100% full balance every month, in last January I had a situation of fraud in my Bank, the one used to pay CITI my monthly balance. I solved it immediately and I changed the account number immediately to avoid any issues. Unfortunately, in parallel was the intent to have the payment directly to CITI. Because the new account needed 24 hr for the update, so, I got $30 US fee. I called convinced that the explanation was clear, but the agent did not really listen. I got so mad that I cancelled the credit card, despite losing the access to the Admirals Club and lose the chance to make the miles with my expenses. I paid the balance full after closing the account. Two weeks later I got the interest fees. I called surprised and the agent again similar to the first one, did not listen and I had to pay. This is the worst customer service in all USA, CITI bank does not care about their customers. I decided to take the time to do reviews everywhere to help people deciding where to have your accounts or credit cards. American Airlines must consider a different bank for the alliance, I needed the Admirals access as well, but because of CITI I rather to move to America Express Platinum card and the centurion VIP rooms. Last comment, I sent an email to the emails listed in CITI, telling my story, but, I never got an answer.

The international call centers in India is so frustrating to deal with because it’s like talking to a robot who just goes off of the script with generic answers. They give fake names so you can’t even report them. When asked to be transferred to a US representative so that you can get your issue resolved, they refuse to do so. They leave you on long holds just to repeat a scripted line. It is extremely unnecessary and frustrating. Either they need better training so they actually help or just transfer the call to a US representative. Ugh!

Terrible 😞 😔

Horrible company! They will give credit cards out but beware....they cut your credit line down in a few months to a point where your usage goes from 25% to 95%! I'm paying mine off and closing my account ASAP!!!