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Disregard for Opt Out Law
Posted by Penni.newman64 on 07/27/2013
SIOUX, SOUTH DAKOTA -- I have chosen to use the opt out program that was created by Congress to allow citizens to opt out of receiving credit card offers and advertising.

Citibank has totally disregarded my wishes. I have called them to complain and still continued to receive their credit card offers. I have also written them twice asking them to recognize the law in place and quit sending me mail, but I still, as of today even, continue to get their offers. I have reported them to the Federal program that oversees opt out, but they still send me mail. No other bank or Insurance company that I opted out of has done this, they respected my wishes and the law and immediately quit sending me mail offers, except of course for Citibank. Citibank is arrogant and disrespectful and must think the law doesn't apply to them. I would never use their services in the future and I hope others won't either.

     
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Posted by DebtorBasher on 2013-07-27:
I agree 100%! They are the worst! There were times when I'd get two or three in the mail on the same day. I would get so many and just throw them away...then I thought, this has to stop already. I tracked down the home address of the president of CitiBank and saved up all of my mail for about two or three months...and it was A LOT! I stuck them all in a big envelope and maile it to him at his home with a note that said,' How do YOU like getting all of this junk mail?' I told him I had sent back their mail with notes to remove me from their mailing list so many times, over and over and they won't stop. Guess what? That was three or four years ago and I haven't had anymore since.
Posted by John Nicholson on 2013-07-28:
When I get unsolicited mail and they provide a stamped, postage-paid return envelope, I just stuff their paper and anyone else's into the envelope and mail it back to them. They get to pay the postage and I get rid of junk mail. Better than just throwing into the garbage. Try it.
Posted by S on 2013-12-19:
I receive 2 solicitations per week from Citibank for credit cards in spite of being on the Optout list. I receive no other offer from any other institution except Citibank.
Maybe it's time for Congress (yea right-this do nothing congress, they are probably paid off by Citibank to exclude CB from the law)
to pass a special law aimed directly at Citibank to stop their mailings.
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Citimortgage Loan Modification Screwed Me Big Time
Posted by Avenger24 on 05/26/2010
9 months ago I decided to call Citibank to try to get a modification on my loan to help lower my payments, even though I wasn't past due they told me I was preapproved my mortgage went from 2700 to 1200 on a 3 month trial basis, they kept saying the same document was missing or not right, I re sent it 5 times, they got me so frustrated but I kept on with it, I paid the lower amount on time and never late, I called every week and was told we have the necessary papers and are in review, it is now 9 months later they said it went to underwriting which is a great sign, then today I get a call that I am denied to modification, because I DON'T HAVE ENOUGH INCOME, YA THAT MAKES A LOT OF SENSE anyway I have to start paying the old amount of 2700, and they said I have to pay the past Amount that they reduced $16000.00 which I don't have the best they will do is spread it over a year, which would mean I have to pay $4800 a month which is ridiculous, so not only have they royally screwed me they also messed up my credit it was 780 when this started now its 600 cause of what they posted so I can't even refinance, they suggest I short sell or foreclose, they are a big help If anyone has a suggestion please email me at chimneygu@aol.com
     
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Posted by yoke on 2010-05-27:
You still owe the $16000, did you ask if they could defer the amount over a longer period of time?
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Multiple Failed Transactions
Posted by Navidp on 12/05/2012
S HACKENSACK, NEW JERSEY -- This is a copy of a complaint I posted to BBB website.

Problem
Nature of Complaint: Billing or Collection Issues - The company has failed to correct billing errors
Problem:
This is the second problem in a series of problems with the Citi Cards company 1) I made a payment to my Citi Cards account (x5472) via personal check in the amount of $5697.07. The account info was written correctly, and the check was in my name. I also called to follow-up & confirm that a check would be coming in the mail, and to deposit it to the correct account. The check was mailed on 9/28. On 10/2, the check cleared from my bank account and my bank account balance reflected the deduction of $5697.07 from the check that I had written. However, there was no payment reflected on x5472. Additionally, I continued to accrue interest in the amount of $58.63 for that month. I called the bank on 10/17 and they informed me that they misplaced the check. They asked I mail them the copy of the cleared check. I did so on 10/17. I followed-up on 10/22 and they representative had no clue of any check that was supposed to be deposited, had no clue of any pending payments, and no idea that any of this had transpired so far. I had to start from scratch. I spoke to an account supervisor that investigated and found that not only was the check misplaced, but so was the letter I sent them on 10/17. They said they found it in a stack of "lost items" - again everything was correctly labeled and clearly handwritten - Citi just simply lost it. The representative called me the following day asking me to fax them the copy of the check a third time, as they had lost it AGAIN. I faxed it and within the next 5 days, after daily phone calls, the credit was finally applied. 2) On a separate account (x 8238). A credit balance of $344.66 was present from 09/2012 - 12/2012. I requested a credit to my bank account on 11/21. No confirmation number was offered. By 12/5 he credit was not applied and I called Citi to check in and again they said the communication was "lost" and the transaction was "accidentally closed"

Desired Outcome
Desired Settlement: Change the Store Policy
Desired Outcome:
I saw failures on multiple levels during the first credit card issue with Citi Bank on account x5472. It was resolved only after daily aggressive phone calls. In both cases, Citi representatives admitted the error was on their end. Thousands of dollars were out of my possession for over 1 month and this would have been indefinite had I not called AGAIN AND AGAIN. The public must be made aware that the current business practice of the Citi Card corporation requires customers to call multiple times to ensure that requests are completed. This is inexcusable. The credit from x8238 is still pending. I still have no confirmation number. The complaint should remain open until I get the credit I submitted on 11/21. Somehow the public needs to be made aware of this business practice. Also, Citi should provide confirmation numbers to customers after ANY telephone transaction. Notations on customer accounts must also have confirmation numbers so they can be looked up quickly and not lost.
     
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Posted by trmn8r on 2012-12-05:
It sounds like you had a lot of trouble getting your issues resolved, but I haven't seen other similar complaints.

I assume that the payment was ultimately applied, and interest charges were credited back. While the money was "out of [your] possession," it was known by you that they had taken it. You just had to convince them. This would leave a bad taste in my mouth as well. I had a Citi account for a few years and was happy to give them the old heave ho. The customer service I found lacking as well.
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Heartache and Heartbreak
Posted by Geo_a_harding on 09/11/2012
This open letter is in response to a letter received on September 8, 2012 but dated August 29,2012 from a Citibank VP. This is in regards to 2 accounts; Holds have been placed on the two accounts. I am a pensioner with social security these are guaranteed EFTs. Last month I
had surprise expenses and was receiving a wire transfer from an associate.
Somehow on August 24,2012 the wire transfer was blocked by the local branch.

As well my September 1st pension deposit which goes in every month on the first. My cosigner who currently is on medical bed rest called the bank and the other two parties to get to the bottom of the situation. The Branch representative stated that EFTs aren't guaranteed funds and but they would take a cash deposit from anybody who was acting as our agent since my cosigner could not leave her bed. So another person went to another branch (Relative lives out of state) Her
attempt to make deposit was not allowed and it was cash. Cosigner and I then called Citibank(3 way call) and were told no deposit could be made on the account until is was brought up to date. That was an interesting
phrase.
I then called my place of my former employment which I had retired
from which send me my monthly pension via EFT. After 3 days of investigation the money wired to my Citibank accounts which has been placed on hold is in limbo some how. Monthly I get wired closed to 2000 dollars from my pension, as well as my associate who resides in Canada whose wire transfer was blocked which would more than cover the accidentally overdrawn funds.

I am now stuck in a country which no longer has a Citibank branch and have been trying to return home since September 2 since my cosigner has fallen ill. This situation goes beyond hardship. I am trying to make good with Citibank in regards to this oversight; but where are my funds since the parties that handle my pension and my associate's bank accounts who sent EFTs show a paper and electronic trails that stop at your bank branch? I am holding on to all correspondence in anticipation of the resolution of this misunderstanding

     
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Posted by copper_works_ on 2012-09-11:
Can someone Western Union money to you? Just bypass Citibank? You don't say where you are but that might help. A lot of places have Western Union, doing it that way you could at least get home to work out the Citibank thing.
Posted by CUontheFlipSide on 2012-09-12:
EFT's are guarenteed funds. If they are not being made available to you, it is because they are not enough to cover the overdrafts, or because the activity on the account has raised a red flag, making them wary of fraudulent activity. This doesn't necessarily mean that is is fraudulent, just that it fits certain parameters. Wired funds from out of the country is certainly one of them.

It sounds like they may be freezing activity in preparation to closing out the accounts. All you can do is call the branch, and ask them exactly what you need to do to get your funds released. It would be a whole lot easier if you could get there in person somehow.
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Discrimination Against Women
Posted by Jhopk on 09/01/2011
My husband, the primary card holder, passed away, so I notified Citibank in writing of the fact and requested card be changed to my name. They never answered letter. Next I received letter from a Collection Agency of Estates telling me Citibank denied me the card! There was no balance, always paid card IN FULL every month, good customers. Used card for gas and all car repairs and with old cars, these were considerable amounts. Wrote Citibank how upset I was and never received a letter or a reason! Told them I didn't need their card & would take my business elsewhere. And I have. They have lost a lot of money thru me. Poor business management and do not even have business manners. Would never do business with Citibank ever again. I'm using another card & they are benefitting from Citibank's rudeness.
     
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Posted by BEJ on 2011-09-01:
From your posting, it sounds like the original card was obtained under his credit score/report. If he was the primary on your all of cards, you may not have had credit in your own name.

Perhaps not having a history of credit in your own name under your social security number made them decide not to extend you credit from their company. It is a shame they chose this route.

Glad you went elsewhere!
Posted by NicoleM on 2011-09-01:
I agree with BEJ. Doesn't really sound like they discriminated against you because you were a woman, but they should've provided an explanation.
Posted by At Your Service on 2011-09-01:
I agree with the first two posts.

My condolences.
Posted by Fufu487 on 2011-09-02:
This has NOTHING to do with you being a women. Do you have a credit score? This is probably the case if you do not. Did they tell you why they could not extend the card to you? Research these things before you start accusing sexism. It makes you look ignorant.
Posted by trmn8r on 2011-09-02:
I don't see where there is discrimination here.

You are to be commended for paying your card in full every month - all CC holders should do that.

Obviously, Citi is not sufficiently impressed by your husband's payment history. The problem could be your credit report/history, or something else (not your sex).

Credit cards are intimately tied to the primary card holder's credit. The fact he has passed, to me, almost means you were applying for a new card with them. His record/credit no longer has an influence.
Posted by Mark on 2012-11-23:
My wife has been employed as a nurse with the same hospital employer for 27 years and is never accepted by credit card companies. I've had a checkered employment history and I've never been declined a credit card. No doubt in my mind of discrimination.
Posted by Alice on 2013-08-27:
As stated he was " primary". She as a signer would share all obligation and should equally share in the score reflected. Double standards - if hubbie dies - wife has to pay - but if wife wants to keep the card - she's SOL!
Posted by George on 2013-08-27:
My wife and I declair equal 50/50 of our business income, 1 have 9 credit cards - she as 3. My score is always at least 5 points hirer even with my few late payments and her 100% clear record.
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Ten day payoff
Posted by Papasamone on 04/14/2011
COPPELL, TEXAS -- For the past 3 weeks I have been trying to contact citifinancial auto in Coppell, Texas. That is where my car payments are sent. The address on my account is P. O. Box 9575, Coppell, Tx 75019-9575. I wrote to them and the letter was returned. I got so upset that I shredded it. I called 411 and requested their phone number and the only number I got was 1-800-486-1750. I called numerous times and there is no answer. I guess I will have to stop my payments and perhaps someone will notify me. I haven't received a statement from them in quite some time.
     
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Posted by saj80 on 2011-04-14:
If you stop making payments they will repossess your vehicle, so that is not a good option. Contact their federal regulator and file a complaint; regulations were recently changed regarding these types of issues, and creditors now have timelines for providing payoff amounts.
Posted by Anonymous on 2011-04-14:
A Google of CitiFinancial brings up this information, they should be able to direct you to the Coppell, TX location:

Call Us

Call 1-800-995-2274 to speak with a representative 24 hours a day, 7 days a week.
Posted by Venice09 on 2011-04-14:
Good info, jc.

Stopping payments is not a good idea. As saj said, they will repossess your vehicle. Try other ways to contact them. There are two good suggestions right here.
Posted by localgod on 2011-04-19:
It's probably because Citi Financial Auto is now Santander.
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Exchange Rate
Posted by Arona on 04/08/2011
Be careful in using Mastercard for paying your foreign currency transaction, because you don't have idea how much they will charge you in your country rate. I have charge about Rp 8,995 per SGD 1. I have never known that SGD will be so high. In my experience the exchange rate always Rp 7,000 something. I did 2 transaction in same time, for 1 transaction was using right rate (about Rp 7,138) but the other with Rp 8,995. How come the rate fluctuated about Rp 2,000 in a few minutes. I called Citibank but I didn't satisfy with they answer. They said I can't complain about the exchange rate, I have to just received whatever they charge. So with the experience, I think I will never use Mastercard again for all my foreign exchange transaction.

Its kinda I buy something without knowing how much they will charge me.
     
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Posted by Alain on 2011-04-10:
Currency exchange rate sites such as x-rates.com, xe.com/ucc, finance.yahoo/currency or exchangerate.com might be helpful to you. As to what you'll be charged for the transaction, you'll have to check with Citibank. Since their response hasn't been satisfactory, you may want to get a Visa or MasterCard from a different company.
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Customer "NO" Service
Posted by Mike-K on 09/29/2010
Having been a customer with Citibank for a few years now, carrying a credit card of theirs, I am finding myself in a situation where I fall on deaf ears with their so-called customer service.

We tax payers have bailed this company out. In these economic times, many of us "little people" are hit with financial disasters. So, here I am, having had surgery and other medical issues, bad health insurance which did not pay all of the procedures. This situation forced me to fore go payments to on my monthly balance.

Now I am in collections. Explaining to those people that I will not have any money until the first quarter of 2011 is just being ignored. This financial "institution" would rather have me send them what I can and go hungry just to satisfy them.

I am not one who does not honor his obligations, but when you need a break and can't get one, it gives you second thoughts.

To add to dilemma: their website will not allow you to send them a message to explain your situation. Customer Service? I think NOT! However, I did obtain a list of exec's email addresses with this company. We shall see.

Once I've honored my debt with them, they are history as they do not care about us people in the least. They will lose yet another customer. I do hope that they will eventually go belly up without being bailed out with our tax monies once more.

     
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Posted by CaptainSpaulding on 2010-09-29:
Citibank is a terrible bank! With their "we don't give a crap" attitude and their lousy customer service, it seems as though they actually want to go out of business!

Citibank? No, they're actually "Schitibank"!
Posted by Mike-K on 2010-09-29:
I hear you. I actually received a response to my email to the executive offices, basically stating that "We're sorry you don't have any money, but you NEED to pay us something NOW!"

You know what, let them write off my balance as collectible. That's just fine by me.

Thanks for you comment.
Posted by saj80 on 2010-09-29:
I am not justifying Citibank's behavior, but they have received so many calls requesting assistance or forebearance that they have started telling everyone "no".
Posted by CaptainSpaulding on 2010-09-29:
saj80: Citibank sure was quick to take that American taxpayer funded bailout money, weren't they?
Posted by leet60 on 2010-09-29:
While your situation is unfortunate, Citibank, and any other bank or credit card issuer are a business. They have a responsibility to their stockholders to make a profit.

You recieve and agree to a cardholder agreement, you requesting use of money you do not have (their depositors money) and they agreeing to let you use that money on a card under specific terms. No where in the agreement do they offer or agree that if you are in ill health, jobless or "short" for a month that you can simply skip payments until your situation is better.

Your situation is endemic of our society. Few if any have savings accounts, the majority live well beyond their means and carry signifigant credit card debt.

While I empathize with you, this is not the fault of the credit card company or bank. One offer that they all make, not recommended by most, but you should have considered was the credit insurance.
Posted by warddw1526 on 2010-09-30:
Citibank received $45 billion from the government in assistance. They have paid back $20 billion already, and the remaining $25 billion dollars was converted to common stock. Now that stock is worth $33 billion dollars, so the government has made a profit from the bailout money.
Posted by CaptainSpaulding on 2010-09-30:
warddw1526: yeah, right!
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Take your $$ out of Citibank - it's NOT safe there
Posted by LeavingCiti on 09/02/2010
NEW YORK -- have had my Citibank account with NO PROBLEM until 8/3/2010. The last time I used my ATM card was on 8/1/2010 and had a balance of $140. My card was stolen sometime between 8/1 and 8/2, but I didn't notice my card was gone until I attempted to use it on 8/4 which was the same day Citibank Fraud Department left a message for me. A check, for just under $10k, was deposited in my account on 8/3. The signature didn't match mine and it was done at a branch that I have never even been to...miles from home and job. The kicker is that Citibank credited the entire amount of the check. It was another Citibank check made out to me and had all my information on it. How do you walk into a bank like Citibank with a phony Citibank check and have it honored by Citibank?

Somehow the criminals were able to make 3 PIN transactions and purchase $3,000 worth of jewelry, spending a total just under $9k in an hour. Citibank never called to verify this unusual activity. I called the jewelry store with Citibank's Fraud Department on the line and was told that along with my ATM card, the criminal also showed state ID (yet I have my driver's license). I have now a -$6k balance. They are still investigating.

On one of many calls (others were cordial but nothing was being done), I had to call and get loud yesterday while the customer service representative laughed and hung up after having me on hold for 10 minutes while she "checked" my account. Yes, I said laughed. You read correctly. I told her that they could continue their investigation but I needed them to release my paycheck (direct deposit).

They are absolutely no help and talk to you like you are the criminal. You would think they would improve security. In my internet search for "Citibank fraud," my situation is not unusual.

Still waiting for my money, but I have contacted the NYPD (go to a branch and fill out an Affidavit of Fraud or you won't be able to file a police report - Citi doesn't tell you this), FBI, FTC and the Postmaster (criminal purchased money orders). Will be contacting others as soon as I find out who can help.
     
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Posted by goduke on 2010-09-02:
I feel for you. Unfortunately, what you describe can happen with any bank, not just with Citi. Best of luck in getting it all sorted out.
Posted by Obsfucation on 2010-09-02:
How was someone able to get both your card, and your PIN?
Posted by bcd on 2010-09-02:
... and the account number to make the deposit.
Posted by LeavingCiti on 2010-09-10:
Getting my card was a stroke of luck for the criminals who must have had inside (Citibank) assistance for the other information. As you can see from this horror story, a card isn't even needed: http://www.deannazandt.com/2009/02/17/citibank-fraud-fail-and-loss-of-faith/

The check wasn't returned for insufficient funds either. This was a blocked/frozen account. Must have already been used for fraudulent activity. This deposit should have instantly raised a red flag for the teller.
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Home Equity loan
Posted by Madhater on 08/12/2010
My son and I went throw Citifinacial for a home equity loan, we didn't have much choice because banks wouldn't do older trailers. Had no trouble with them and always made our payments two month a head of time. But then we had a home fire and couldn't live in it. We notified Citifinancial and was asked what we thought they could do, you have insurance! But when we told them that Concord Group Insurance wasn't going to pay off they couldn't help and wanted their payment even if we didn't have a place to live.

After a year trying to get a modified loan payment and missing paper work we got a modified loan for $80 less then we where paying. And when we ask if they could help put something back on the land, we were told we had to make full payments for a year before the would give another loan at 11% +. What a waste of time and money trying to do the right thing with our loan. We should just have not made the payments, they would never gotten all their loan repaid. These people don't care about us only their money.
     
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Posted by Weedwhacked on 2010-08-12:
Of course they wanted their payment, its not their fault that you couldn't live in it. You signed a contract with them and they want their money!
Posted by Disaster Worker on 2010-08-12:
If your home (trailer) fire insurance didn't pay, did they have reason to believe the fire was arson? Obviously, you can't afford to pay on another trailer right now. Rent an inexpensive apartment until you can save enough money to pay cash for a new trailer.
Posted by clutzycook on 2010-08-12:
That's weird that your insurance wouldn't cover the repair/replacement of your trailer. Isn't that what homeowner's insurance is for? I'm like DW and am wondering if they think the fire was intentionally set. If your claim is legit (and I'm going to give you the benefit of the doubt here and say it is), it sounds like you need to file an appeal with your insurance company and maybe report them to the insurance commission in your state.
Posted by spiderman2 on 2010-08-12:
Did you get any money from your insurance policy? What kind of coverage did you have. Typically for a home loan, the lender requires you to carry enough insurance for the value of the loan.
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