Citibank N A Complaint - Not for the Average Person -- Even After Their Bailout!
When I went to the ATM on the day my direct deposit cleared into my account, I found that my debit card was useless and my account was blocked. I called the 800-number and was instructed to go to a branch to have it cleared up. When I did, I was directed to one of the associates, who told me the block was due to an overdraft, and that it was up to the bank manager at the bank where I opened the account. She called the bank, and allegedly spoke to the manager, who said he would call me back by lunchtime. The representative then proceeded to laugh at me and said, "You'll be very lucky if you get any of your money back...we don't have to clear up this block, it is only a courtesy if we do."
I went immediately to the branch where I opened the account, and the manager told me he never spoke to anyone about me. He reviewed my account and closed it, and said that within 24 hours the block would be off and I could get my money back. I asked him why 24 hrs, he said it was bank policy. I asked to see where it was written, and he handed me some customer guidelines. He said he would call me the next day to let me know what time my check would be available.
This was last Thursday, and it is now Tuesday, and I haven't heard a spit from him. I have left so many messages for him I could probably be accused of stalking. I have spoken to so many different reps at the 800-number, who: (a) say things completely different from each other, (b) refuse to give me the direct line to the branch, and (c) refuse to take any complaints online, saying I have to complain at the branch.
How do I complain about the branch manager TO the branch manager?
On top of that, one nice representative told me that he should have explained that it would be an additional 24-48 hrs before my money is issued. Translation: I may very well not see my money until next pay period, two weeks after the check was directly deposited. Why? All I am told is "it is bank policy." Is any of it in the little customer guidelines pamphlet he gave me? The answer is a big, fat, NO.
This company is so inept. The reps on the 800-service are sometimes so difficult to understand, they are rude, and tell you twenty different things. I have never had anyone speak to me the way that representative in the branch did that day. I've filed a complaint with BBB, and I'm going to the banking commission. And I'm still waiting for my money to be returned. It is such a disgrace that this company got bailed out and this is how they treat their customers -- I had been a Citibank customer for 15 years. What a disappointment!