Citibank

Worst credit card company I have ever had after a genuine fraud case. They have some very bad reviews and here is a copy of mine if it helps others.

Their dispute and fraud department are useless when needed.

Well if the majority of one star reviews of Citicards is not enough for you here is another one that I hope will allow me to post a photo of as well. I disputed a charge with Citicards issued through Costco after a merchant failed to ship an overnight package valued at $363.90 through UPS. One would think easy, file a dispute since there is no tracking number provided from the merchant as required per the seller's website and the $40.00 overnight shipping on my receipt from the online merchant. If you think the dispute department can handle this simple dispute you are mistaken.

The dispute department actually accepted a printed form from the merchant claiming shipment without the UPS name or tracking number on it as proof of delivery so I could follow up with UPS. I tried to move this up their poor service department as fraud as the merchant has attempted to claim shipping with their printout but not provided the actual shipping company or tracking number to keep the stolen funds and have been denied. This company is inept at best. Well now I am having to file a police report for theft of a package to file a claim under the card benefit of 90 days of theft coverage on a package that really was never delivered but by their dispute's department was.

I guess if it was delivered then I have to accept it was stolen. This is insane but I guess it is the game cardholders must play when Citicards handles a dispute.

Poor Service. My requests were consistently unfulfilled, culminating in dire consequences.

On two occasions, my account was inexplicably blocked without prior notification, leaving me unable to fulfill my rental obligations. This forced me to resort to borrowing from acquaintances to avoid potential homelessness.

Since the inception of my account with Citi Bank, persistent difficulties with Zelle transactions, as well as withdrawal and deposit procedures, have plagued me.

The distress I endured, fearing eviction and homelessness due to their actions, warrants not only a comprehensive reimbursement but also a reevaluation of their customer service standards.

Citibank unexpectedly closed my account of over 30 years without any reason. When I tried to make a deposit, my card didn't work.

Apparently, my account was being cancelled. The teller stated they couldn't do anything at the bank and advised me to call customer service. However, customer service told me that neither the representative nor the supervisor could help and that I should see someone at the bank, giving me the runaround.

During my visits to the bank, they always tried to persuade me to enroll in long-term CDs. But when I began withdrawing money, that ceased, and now my account is being cancelled.

It seems they need your money to lend to others.

Upon researching, I found this seems to be happening to many people, particularly long-term customers. They are also replacing actual people with AI, which may be incorrectly flagging accounts for cancellation. In addition, they have terminated many employees recently. I will never use Citibank again as they do not value their customers or have any legitimate customer service.

I will also be contacting the NYS Banking Department, etc., as this may be a case of discrimination.

I advise anyone using Citibank to leave while you still can. Branches are closing, accounts are being closed randomly, and employees are being laid off.

The number on back of debit card reaches AI robot who refers back to online resources. Calls to three separate local branches have VM with no option to leave a message.

New account called Simplified Banking is anything but. Call to customer service of Advantage Card, reps do not have any info on linkage to Citi cards. Reviews online confirm that my depersonalized experience not unique. Greatest concern cant ever reach a human should there be fraud alert.

Finally: AI robot asks for my private pin number. Not a safe idea. Ever.

Forty year relationship and now the time comes to move. I fully understand.

Had to make 4 phone calls today over $61.75.

I was charged a fee for a "supposed" cash advance

I purchased a knife from an individual

I used PayPal to pay the person $1,200

PayPal charged me $35.10 for using a credit card to make the payment in order that the seller would receive $1,200

I later logged into my account (citibank) and saw a charge for $1,235.10 for paypal

I also noticed the cash advance charge for $61.75

I immediately called customer service and the lady was very helpful

she instructed that i had to wait until my next statement came out (which would include the charge) and that I could call back and the charge would be removed as a courtesy for my misunderstanding your policies regarding how you treated payments to PayPal

So I waited

My statement was processed today

I called

the 1st representative was continuously talking over me quoting company policies etc etc I tried to explain that I had been told that the charge would be removed but he refused to listen - stating that the charge was a legitimate charge

yes I lost my temper a bit but to be expected when someone won't listen to you (there was also constant feedback through his speaker phone - I kept hearing everything I said repeated back to me) very annoying! your rep said that since I used profanity he ended the call.

Called back

the 2nd representative simply stated that I had called the wrong number (I called the number on the back of my credit card) he gave me 800-325-**** which is a fax line or computer (a lie)

Called back

the 3rd representative kept stating that the charge was legitimate as well - told me I needed to call PayPal about it - I stated I wasn't wasting any more time over $61.75 and that if the BIG CORP of CITIBANK couldn't as a courtesy let this go then I have a choice as well.

Before today my credit limit was $46,800 It has since been reduced to $3,010 which is even below what my outstanding balance was with the pending transactions.

I made a 4th phone call to discuss this

Obviously this was done as some sort of retaliation by some "offended" employee of yours - gonna teach me a lesson

CITIBANK ARE HIGH DOLLAR THIEVES, I CANNOT BELIEVE THESE GUYS CAN TAKE INNOCENT PEOPLES MONEY WITHOUT ANY LEGAL RAMIFICATIONS they steal money from the innocent.

I opened an account with Citi after having my identity stole . I had my disability check from my benefits through my job direct deposited in there a few weeks later.

Immediately my Account locked, called fraud and had to wait for this letter with the reference number. After waiting 11 whole days with 0 money. I got it. Thinking this would save all the problems it only got worse.

They went into tell me now my account would be closed and within 30-60 days I MAY rwcieve my money back via Check in the mail. No one could help me. I've called every reference online. Sent emails.

Left complaints to each agency and nothing. I am a single disabled mother with no income placed home and unable to work due to multiple inquiries due to a domestic situation. I am faced with no money to pay my bills and even facing eviction. Looks as if Citi gets this momma money too.

How can this be legal?? How can they do this?

I have contacted you guys directly numerous times. I have multiole complaints put in.

Ine directly to your customer service department and was given this reference # 202312****472******** also the CFPB REF # 231216-****8545 I AM DEMANDING my funds be transferred to my associated wells fargo account that i originally transferred funds from as soon as possible.

Please contact me as soon as possible.

Ashley McGinty

3140 S Ammon Rd. #3

Ammon ID

83406