I have been paying on a closed account. The final payment was supposed to come out today; it did not so I tried to call and find out why and make sure they intended on debiting my account. I prefer to use the secure chat but every single time I try there is never anyone available, yet the message clearly says to try again within the hours I am already trying to use it within! So I call instead, and the number I call clearly states to call "this number" if you do not have the card...the recording asks for the account number!!!
In order to get past this irritating request for information that obviously wouldn't be available to give, I tried to press zero to get a rep...unsuccessfully because it just keeps asking for the account number. Yesterday I got transferred three times, each time being told I was being transferred to the department that could help me. I have simple questions that should take no more than 10 seconds to answer and I spent at least 20 minutes just trying to get to someone to ask it!
A month ago, I called CitiCards to change my address. The customer service person wrote down an incorrect address and I never received my monthly statement. I called again & was interrupted while talking and told to "wait." This morning, I attempted to sign up for online access & got multiple error messages. When calling customer support, I was treated as incompetent & slow. Finally, I had enough and canceled my CitiCards account. I have had the account for 26 years & always paid on time with no balance. When closing my account, I was not even offered the option to explain why I wanted to close it. Too bad.
ATLANTA, GEORGIA -- Citi Credit Card is the WORST. I have been a customer with them over 14 years. I continue to have a FICO score over 830. I owe on one property - own three. No car payments, no other credit cards, not bankruptcy. Clean credit. I applied for their platinum cash back card and to my dismay, they declined me. I have a zero balance with their regular CitiCard - over 13 years, never late, always paid in full. Again with excellent credit and on their site, a FICO score between 827 to 832 over the past two years. What a joke these folks are. I encourage that you cut their credit card and return to them. I cannot believe their responses and excuses. I have too good credit for them!!!
SAN FRANCISCO, CALIFORNIA -- In various occasions when I go to pay credit card bill on its due date I get an error from the website that prevents me from logging in and as a result make my payment online. I normally call and end up making the payment over the phone. What strike as odd is that this malfunction of the website tends to happen on my credit card due date and I am questioning if this is a coincidence or intentional, so that customers who wait until the due date are delayed in making their payment. Has this happened to other customers?
SIOUX FALLS, SOUTH DAKOTA -- Most of the reviews I've read are older, but I'm letting you know that CitiCards and ** are still at it. My husband died in December and I finally got to changing our MasterCard (he was the primary) to my name. I was at CitiBank with one of their service reps and got CitiCard on the phone to see what I had to do. I was told that I could assume the account, I just needed to fill in the form and send it in within 30 days - which I did. A week ago I called for the status and neither the representative or her supervisor could help. They both said they didn't know if I could assume the account but, as it might take a month, to call back.
Yesterday, I received the MasterCard bill in the mail - still in his name. I called back and spoke with another representative who told me, after checking with her supervisor, that the first representative shouldn't have told me that. They no longer allowed spouses to assume the accounts for their deceased spouse. The only thing she could say was "I'm sorry". I told her that didn't cut it. She said there was nothing I could do - so I got "**" name and address and planned on writing him to see if something could be done - then checked online and saw what I fiasco it is to deal with him.
I still planned on writing when, last night, I was at the store and tried to use my card - IT WAS DECLINED!!! My balance is only $95 and isn't due until next week. So, I paid cash and walked out in shock. I called again, and this time spoke with ** who said he is a manager. He informed me that my account had indeed been closed. Now, AT NO TIME in this whole fiasco had I been told that the account would be closed immediately.
Now I'm left to go through applying for another card and waiting for it to be approved and mailed. All ** could say was "I'm sorry" (sound familiar) although he did sound remorseful when he said he wished there was something he could do and agreed that the whole matter had been handled poorly from the start - but no luck on the card.
So, in the interest of expediency, I applied for a new card with them - for the time being. I need a card as soon as possible for emergencies. So the witch - excuse me, representative - that I spoke with (and her supervisor **) closed my account the minute I hung up, if not sooner, without telling me they were doing it. Now I might add- we've had that card and been cardholders in good standing since 1993 - we're not slouches. And it was all part of a CitiGold account. We've been very good customers between the card, numerous checking and savings accounts, a mortgage, and money market accounts with CitiBank.
So, too many "I'm sorry's" later, I've been approve for a new account (lower credit line, of course) and will be awaiting my new card - in the meantime I can't charge anything if I need to. Throw the widow out into the cold - at least I paid off the mortgage so they can't get me for defaulting on that. Next up is my letter to **. Citi strikes again!!
THE LAKES, NEVADA -- Citi targeting customers paying in full, on-time. If there is any class action suit on Citi for this behavior, please contact me - I would gladly be part of this to stop a monster organisation like Citi from messing with hardworking tax-paying folks.
Incident: I have a Citicard for the last 12 years, I have had a clean history always paid in full. I missed a payment last month (due date: Sept 28th). Within 6 days of being late, they froze my account. I called them (Oct. 6th) and told the customer service representative that I had made the payment. She said that moment they received the payment the card will be activated and will not affect my credit history of any kind, but they will charge me the finance charge and interest (which I contested but they did not budge, I guess that's how they make money these days).
My payment was posted on Oct. 9th and card activated. On Nov. 1st (after 20 days of my payment in full), out of the blue they reduce my credit limit to 200$ from 1000's. I had called the customer service on October 6th and October 23rd (to dispute the charge which was turned down which is fine) and in all the calls made I have asked the representative whether my card is being affected and the answer has been no, it is reinstated without any issues.
Since the last 2 days I have been calling them to have it reinstated so it does not affect my credit history, but all the representatives that I have spoken to have been rude, 'I couldn't care less' attitude and have refused to reinstate my credit limit back. I cannot understand the logic of reducing the limit and messing a credit history of a person for one late payment that was paid in full the moment it was bought to my attention.
I am looking for any sort of help I can get in disputing this and making sure Citi Cards does not do this to other hardworking, tax-paying people. The representative that I spoke to said that my limit was dropped because my account was delinquent. I checked my history through a credit agency, far from being delinquent its in excellent shape and have not received any notice from Citi about my delinquency.
I heard the financial industry has been regulated but this kind of messing with peoples life need to be stopped. Please stay away from Citicards. Of all the credit cards that I have had, Citicards has been the worst. The policies are the worst and the customer service 1 notch lower than their policy (the representatives don't know about the customer accounts, don't care and when question, outright lie to justify the policy).
Damage resulting: They have dropped the credit limit from 1000s to 200$ for one offense. This will affect my credit history which I have worked hard to build. They have also charged me 100$ in finance charges and interest which looks inconsequential compared to what they will be doing to my credit history
SIOUX FALLS, SOUTH DAKOTA -- My wife was mislead by a vitamin company that uses multiple DBAs and has infringed on a trademark infringement. The card company says my wife agreed to this by accepting the initial order. She canceled orders but the company kept trying to charge her card and she had to change the card #. Have some common sense. Who would change their card to avoid charges from a company that performs unscrupulous business that would pay for charges for items they do not have. Not us.
I paid off card. Then called in a day or two to cancel. Canceled card. Done right? No! Interest was accruing from previous month even though I called to say I paid off and cancel. Then started getting late fees for no payment. (I thought was paid and canceled, cut up card.) They said there is nothing they can do and I have to pay full amount. Ridiculous!
NOT SURE, CALIFORNIA -- I wish I could give them negative a thousand zero stars. Like, you know what the temperature is on Neptune at night? That's how many stars they deserve. This company is run by very good scammers, I will give them that. To make my headache-ridden, almost unbelievable story of how they scammed me short, I will give you insight into your likely future scenarios at Citibank:
Their online banking system is very poorly operated and kicks you out regularly. It prompts you to call their customer service. Then customer service sets up your bill pay and confirms your bill is paid by phone and email. 8 days later, you will receive an email saying that your 'check' was returned and you are being charge $20 for returned check fee and $20 for late payment on your bill. You will call to **. They will say sorry and that they'll pay you back. Then they ask for your information again and confirm your bill is paid.
Next month, the same thing happens, which is odd since the payment already went through last month. Weird, right? I'm not a rocket scientist, but my credentials didn't change in 3 weeks, so I would think the payment should easily go through again. Somehow my information keeps changing every month so that I have a 'returned check fee ($20)' and a 'late fee ($20)' EVERY MONTH for 6 months. And EVERY MONTH they say "sorry, bank error, we'll return your fees." AND EVERY MONTH THEY DON'T.
Until 6 months later when you ask them where your money is and they say, 'Well, it's only $60'. ACTUALLY IT'S MORE LIKE $160 and if it's ONLY $60, then why won't you give it back to me? I paid in full (plus extra that they scammed out of me), closed my account, and vowed to be a thorn in their sides. Do yourself a favor and beware of credit card scammers operating under the guise of a reputable company.