Citibank National Association Avaliações 

I have been citi credit card loyal customer since 2018.
Recently, I opened a dispute against fraudulent charge made by a merchant who already has been reported to Better Business Bureau due to scam involved on online shopping. This merchant who has currently taken down their online website which used to be onvims.com ,and have been officially alerted by numerous people on Better business Bureau has gotten my money and got away with such crime . And citi did nothing to protect me . I am appalled such a big bank like citi would stoop this low and strip off my confidence I had on their credit card fraud protection team.
I have contacted citi dispute center and reported the issue and provided proofs in writing . Despite all my efforts and waiting patiently for almost 3 months, citi found it easy to close my dispute in the scammer’s favor instead. I am disappointed by the poorly trained and unhelpful customer service team at citi and I will be closing my citi credit card

After being a customer for 12 years, they decided a year ago to lose my account without so much as a reason or notification. Prior to that, Back in September of 2019, they notified me I was 4 months delinquent when I had never even received a bill in the mail. I was informed my bills were “paperless” & going to an email address I never heard of or even signed up for the card under. I requested an actual bill in the mail from that point on, paid my $289.00 delinquent account via phone with another credit card was told everything was good.

My house sitter tried to use my card, with my permission, to handle a home emergency today, September 10, 2020, & it was declined. In contacting the company, it was only today I learned they closed my account a YEAR ago. I never received any notification, although the Supervisor said it was mailed to me. Turns out, they never updated my new address when I moved despite giving it to them via phone in September 2019. So I’m sure my “closed account” notice was returned to sender given the post office only forwards mail for 6 months.

I was told I could “reapply” & I told Citibank I have 37 credit cards in good standing & I wouldn’t do business with them again if they were the only credit card company available. Supervisor said, Thanks for calling” & hung up. Really?!

Obviously Citibank doesn’t do business on the up & up, the mistakes made in my case were their fault & they reported this to my credit report. It’s THE ONLY THING on my report DESPITE the fact I paid the delinquent balance in full.

Shame on Costco for using Citibank for their credit card provider. They should find a reputable company & dump Citibank.

DO NOT APPLY FOR A CITIBANK CARD! YOU WILL BE SORRY. There are way better credit card companies, with better interest rates you can get. Fidelity is one of them & our go-to credit card.

Citibank.com is really the worst.
It is hard to understand how can someone can purposely make its customers upset. Citibank.com does it!
I have been with Citibank for some 15 years and they treat me like if they couldn't care less.

Citibank Australia Worst bank experience ever. For your good sake stay away from this bank.

I called to dispute a charge and was told a provisional credit will be provided right away. After multiple calls, the credit did not show on my account. Every time I called, the rep said it is not their responsibility and I was asked to talk to the dispute dept. I cannot believe I have to deal with a company with such an abysmal customer service.

I tried to set up 3 accelerated saving accounts took over 3 weeks and they still could not get it done right. After several hours on the phone and over 3 weeks, I told them to cancel all 3 accounts and refund my money.

It would be a great company if it stopped laundering money

I am a frontline healthcare worker and I have been working the COVID19 pandemic since day 1. Last week I found out Citi lowered my credit limit by $1000, after I finally made a large payment to the card. I called to appeal it, was told there was nothing that could be done. It is unconscionable to me that this is how they treat the essential workers they claim to be there for, and I am ashamed to be their customer.

I had a credit card account with Citi. I had a credit of $798.78 due to a charge dispute. I used my card to get $780.00 out of an authorized Citi bank and then used the card for a charge of $18.78 which would leave a zero balance. Citi charged me $39 for a cash advance.
When I called to talk to them about the charge I was connected with a foreign representative. She did not understand what I was trying to tell her. I then told her to connect me with someone to cancel my card. She never connected me to anyone. She canceled my card and hung up on me at the same time. I have a credit score of 815.

Here’s my experience banking at Citi, and hope it helps you make your decision. Citi is a Very Nervous Bank - I opened a 50K CD Account doing their promotion of $700 in 2019. The account opening process was okay, a little cumbersome, and did ask for a lot of info that seemed overboard and more than other banks normally do, including security questions from possibly decades ago like which street you may have lived on 20 years ago, with answer choices, etc…. But once it got opened, assuming you answered all of their security questions to their satisfaction correctly, I thought it would be smooth sailing from there. After opening, had to link external bank account with trial deposits, pretty standard nowadays.

Once the link was established, I did the next logical thing, tried to transfer money into the new Citi Account. After doing this, I ended up getting fraud alerts and started getting phone calls from Citi about my transfer. So, I had to call in to Citi Fraud Department, talk to a specialist, and then do a 3 way call with my bank to confirm that I initiated the transfer. Really? Why is it a fraud alert if I'm trying to put IN money into my account, not taking anything out. That was quite the hassle! Was a 3 way call really necessary with my external institution, after I've confirmed my information already online, and confirmed the external bank trial deposits? The money was finally settled into the account. Then, had to call in a few days later to ensure everything was set with the account and the promotion.

Well, I came to find out that I had to split my money up to have some in the Savings/Money Market and to have some in the Checking in order to qualify. So, the customer service associate did that for me, but had I not called in to ask, I would have never known nor would I ever been notified! I would have waited several months expecting $700 bonus and possibly never had received it. I did have to wait about 5 full months before getting the actual $700 promotion bonus. I did receive it eventually, and within the time frame noted on the promotion, I believe within 90 days from the end of the 60 days you have the $50K in your account. But I did inquire over that period about it, only to be told that if I did sign up for the promotion, it will be processed before the promotion expiry period.

Keep your promotion code with you that you signed up with, I can’t recall how many times I got asked what the PROMO code was that I signed up with. I would think Citi should have better records and it should be recorded next to the account information! So, fine, I'm happy, finally received the $700 after approx. 5 months of opening the account, and waiting. So, then I decide I want to take out my $50K and put it back to my externally linked institution on the account, because I’m getting a better savings/CD rate there at the time. So, I find out that Citi only allows up to $15K External ACH Transfers per Rolling 30 day Period! So, that means if I want to take the full $50K out of my account, I will have to do it over 4 months in a phased approach! What? That is crazy. Secondly, I could do a Wire Transfer which has a fee of $17.50.

So, I found out, to get around all this, I did an ACH transfer initiation from my external account from my Citi Account, and that was done without hassle. So, if you can, do not try to initiate an external ACH/EFT transfer OUT from your Citi account but initiate it from your external account FROM your Citi Acct. That will save a lot of hassles and will bypass the withdrawal limits. All in all, if time and not having stress is something you value, I would advise to skip banking here. Don't be suckered in by their bonus promotions, they come with a lot of hassles and hoops.

In my opinion, I would have been better off at some online bank storing the $50K making nominal interest on a CD over those 5 months without worry or stress, even though it would much less than $700 in interest.

Citibank are terrible with disputes, they give you the run around, they just make you WASTE YOUR TIME, hours on hold not to solve anything, VERY INEFFICIENT, if you have other credit card options, AVOID CITIBANK !!!

Terrible City merchant service provided by FDMS Corp. Rip-off for the customers! one thing you do good is sign up to get your money from us. after that no engage in process and no HELP. making a lot of pain and terrible service to help and solve problem!!!

I have utilized a variety of Citibank, N.A. consumer financial products over the years. I generally have liked their credit cards as they offer some distinct ones with good rewards, whether in general or with a particular company in partnership, and online systems that seem easy to utilize to monitor, manage, track, dispute, and otherwise handle credit card transaction matters.

Their deposit accounts are a whole other story. I found their Basic Banking Checking Account to be extremely difficult to utilize for even basic financial transactions, settings, and monitoring as compared to the large variety of other checking accounts I have had experience with - even from small credit unions and little banks. It was just confusing, not intuitive, cumbersome, and sprayed all over the place. Their mobile app for the checking account was ok but their desktop functionality, which should be top-notch given Citibank's statute and the importance of desktop websites for complex work, was simply terrible and almost unusable.

The greediest bank I have even seen! I was once late with a payment by 9 days to pay off the entire balance on a credit card. The bank obviously imposed a $25.00 late fee on my account. I contacted Citi Bank credit card department 4 times asking for a courtesy to waive that fee. I explained that It was just a one-time incident and the balance on the card is completely paid off and the only charge that is hanging is the late fee. I was shocked that such small request was denied all 4 times considering my outstanding credit history with Citi Bank. I am sure that any bank would easily remove late fee (considering the circumstances) without a question but Citi would not do it! The very last response I received from Citi was provided by Stuart at 21:54, February 5, 2020: "I have tried to waive of the late fee from your account but due to so many factors I am unable to waive off the late fee. I apologize for that. I have tried my best to waive off the late fee from your account."
Well, this is what Citi Bank is all about!!!

Stupid bank , worst services never recommend this to any. Staff don’t have knowledge on products. Issues raised will take months to resolve and stupid staff don’t care about customers and make you loose money with misleading information. Worst of the worst

CitiBusiness is full of people that racially profile African Americans citizens. I was a victim of scam and reported it to their fraud department. Once they heard my voice, they did everything but helped me. It seemed like they were trying to help the person that scammed me by making sure I do not have access to the information that I asked for/ needed in order to get my money back from the scammer. Under 2 days I was surprised that when I called to follow up, they told me that the case was closed. They said that they investigated the case and were unable to retrieve the money from the scammer because the person withdrew all of the money from their account. I asked them to send me a document in writing stating what they told me orally because a place I filed a complaint asked me to upload proof of what my bank said because the scammer was giving contradictory information. I called CitiBusiness Fraud department several times and was given different conflicting information every time. I spoke to several different staff eg. Janette with code TRT071 who is the manager of the fraud department, Rosa TRT012, Rosa TRT017, James who is the supervisor of the customer service department. They all gave contradictory information that does not match what the person before said, which is a proof of bias. This bank has racist employees that discriminates and preys on against African Americans. They run the bank like a prison facility when it comes to African American customers. They are not trustworthy, and I urge any African American individual/ entrepreneur who wants to establish any account with Citibank to consider other banks. Most of their staff are Hispanic Americans, who are totally biased and have nothing but natural hatred and disrespect against African American people. When you complain about racial profiling or racial intimidation, in order to make the racial aspect disappear, they will counter you by bringing the one black staff they have on the phone, who will further intimidate you by saying they themselves are black and continue harassing you. This is the new Jim Crow. CitiBank is trying to make the claims of racial profiling go away by any means necessary. They believe that every black man is nothing but a criminal. I urge you to look into other banks.

We opened a new account, transferred a large sum of funds to said account, after 3 days the account was denied for no justifiable reason. They said they’d mail a check with our funds, but they held our funds for over a month and did not mail the check. After anxiously checking our mail daily waiting for weeks for the check to arrive, bear in mind this is a large portion of our life savings, we called to learn that the funds were not mailed and were wrongfully sitting in our denied Citibank account. Every time we called we were on hold for at least a half hour if not significantly longer. Nobody we spoke with provided clear answers to our questions, and we were continually redirected to other uninformed people. We will never use Citibank again.

Citibank just unloaded all of their Heloc Customers onto Cenlar FSB, a One Star rated bank on Google. I have had nothing but extreme trouble and aggravation, since this switch was made on 10/26/2019. Cenlar is impossible to reach by telephone, and they failed to send me a written account statement for over 6 weeks. This was an absolute DIRTY TRICK that Citibank played on their loyal customers. What is most laughable is Citibank's letter to customers stating that Cenlar cares for home loan servicing "Extraordinarily Well". This is one of the BIGGEST LIES of the "Third Millennium". SHAME ON YOU CITIBANK, for screwing your customers !!!

Quite good banking solution no matter how do you look at it, I just wish that all of them will be really like that anyway cause in some other cases it should be really something like that matter anyway. Where else we could do something with such things ? I do not really understand what it is.

Citi doesn't support additional cardholders. Normal banks offers additional cardholder for debit cards, but not Citi. They doesn't understand how families manage their budget by joint accounts and multiple cards linked to one account. Seems time to switch banks after long time.