Citicards Consumer Reviews - Page 2

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!

LOS ANGELES, CALIFORNIA -- This card had a perfect payment history, good FICO score, paid in full no matter the amount every month. No warning, no reason. No respect for good customers. Ulterior motives: they want to get interest payments, etc. on cards which does not happen if paid in full every month. NO CUSTOMER RESPECT.

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.

SIOUX FALLS, SOUTH DAKOTA -- I was so happy when this new Citicard came with an intro promotion of 5% cash back on gas, drugstore merchandise and groceries. I was also excited when they advertised 0% financing for six months on balance transfers with no transfer fee. Well, since my balance transfer of $1500.00 last September, I'€™ve paid a total of $86.00 in finance charges. I'€™ve called many times to ask why? They replied that it is in the small print of the agreement stating that any purchase I made goes against the balance transfer and is subject to 10.99% financing. Needless to say, this has been a nightmare.

I called again when my monthly purchase was less than $100.00 and ask why my finance charge want nearly $10.00? I didn'€™t quite understand their lingo, so I'€™ve ask them if there would be a finance charge if I'€™ve paid the whole amount with a balance of 900.00. Of course they transfer me to a customer representative to let me know how they had this new promotion with an interest rate of 1.99% for the next nine months.

Again came another finance charge of over $7.00. So I'€™ve called and ask why. They replied that the representative that gave me this promotion did not applied it to some of the balance transfer, only to future transactions. This time I'€™ve replied, "this is BS." They then called the office manager and made the correction. They told me they could not correct the previous month. They weren'€™t allowed.

Last month, the whole amount was paid in full. I was finally relieved of this nightmare with Citicard, so I thought. Now I'€™ve just check my latest statement online, and they've charge me $2.86 in finance charge again. My new balance is only $34.00. I'€™m writing this complaint to let anyone know that if they own a Citicard Master with the same intro promotion, not to ever transfer money from another account. You will certainly be taken for a ride. I wish I could contact the attorney general about this. In my view, this is fraud.

For my statement closing on February 18, 2005, my balance was $1684.88. I mistakenly wrote the check for $1,681.88, which was a mere $3 difference, or 0.18% of the balance. Plus, it was clearly a human error! Therefore, I was surprised to see a $14.48 finance charge on my March 18th statement. Was I being charged 5x the amount of my mistake!?? Since when did the Fed interest rate rise to 500%??? There is a word for that: USURY

Since I have had pretty good service with Citibank prior to this incident, I thought this was perhaps a computer mistake and should be easily repairable through a phone call. I made my first call to customer service on April 18th. The rep was at first resistant to my argument that $15 of penalty over $3 of difference was absurd, but after a long negotiation, he agreed to manually override it on the computer.

So, you can imagine my surprise when opening my April 18th statement, I found not only no cancellation of the previous finance charge of $14.48, but in addition, an extra $1.44 charge, bringing the total to almost $16 for my $3 clerical error!

I called the Customer Service again on April 28th. A lady named ** answered the phone and explained that the charge was not a mistake. She was not only unsympathetic, but frankly, also stupid. Does Citibank not train their staff that “the customer is always right”?? Where is the service in customer service? I told Ms. ** to cancel my account and she was unmoved. If Citi indeed records its phone lines for training purposes, perhaps my conversation on April 28th would be good reference.

It is ridiculous for Citibank to be so greedy on $16 to lose a long-time loyal customer and stockholder. I am very disappointed, and I have cancelled my Citibank AAdvantage World Mastercard. I am also contemplating canceling all my other Citi-affiliated accounts.

Had Sears credit card since 1984. At some point Sears exchanging it to a Citi Platinum Mastercard. Never late in 27 years and had zero balance on the card. Received new cards at expiration and called to activate as I wanted to use at Sears to purchase a refrigerator. When activating, I informed them that my husband had passed away three years ago so no longer needed that extra card. They immediately cancelled the card/account even though I had been the only wage-earner on the account since 1990 when my husband retired and continued employment to the present as a widow.

I offered to give them current credit and employment info so they could keep the current card in place and retain the "customer since 1984" credit status but was rudely refused and told that they had already cancelled it and I would have to fill out a new application and re-apply at a Sears store or online. Asked to speak with a supervisor and explained that I didn't want to lose the years of experience on that card and she told me there was nothing she could do, the card was cancelled.

No way will I ever do business with Citi EVER AGAIN. If this is how they treat long-term great cardholders, then I can totally believe the horrible stories that other people have reported. Opened a Capital One Venture VISA over the phone recently and they gave me more than twice the credit limit as I had on the Citi card ON THE SPOT.

What goes around comes around CITI. Wishing you what you do to others. As for SEARS... you need to find another credit card sponsor or risk losing the use of your card by other long-term Sears customers (and stockholders) who have been loyal customers over the years. As an FYI, I bought the refrigerator at a different merchant with the Capital One card.

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 through 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.

I have been a Citicards customer for a very long time. I have never, ever been late on a payment. Suddenly, out of the blue, they decide to cancel my card. Turns out I made a couple of late payments to other companies SEVEN years ago. I wrote customer service regarding this matter. Never heard back.

When I called to follow up, I was told by several "supervisors" that nothing could be done. In addition to unfair business practices for which they have been caught - e.g., ridiculously high interest rates and double charging for certain fees - now CitiCards is doing this. Please, do yourself a favor. Do not get a Citicard. If you have one, cancel it.

I pay my balance in full every month. My last statement, I was charged finance charges for a balance that was paid in full. I've always paid it in full and have never been charged finance charges. Upon questioning Citicard regarding the finance charge, its reasoning was interest accrues when purchase are charged to my account. They did not want to waive the $1.03 finance charge, for a balance paid in full. I've had the account for over 15 years. The government bailed them out, yet they are trying to get every penny from balances that are paid in full. What kind of behavior is that?

They change due dates at will. I was 2 days late on one payment due the change. Then instead of a 29% interest rate for defaulting (ha), I accepted a 12-month, no-interest plan. I was also told that when I completed the plan and all of my payments went through, that my account would be reopened. I just talked to the customer service dept and was told not only had they closed my account, but that my remaining balance would be calculated at the default rate!! If it wouldn't ruin my credit, I would just tell them to take a hike. Beware, everything you have read from other customers is true. Try Amex instead, they are truly customer-centric!