Citi Reviews 264

It's actually absurd how bad their reps are. They lie, gaslight, and do anything to get you out of the chat or off the phone. Nobody takes accountability for anything. There was an offer listed when I applied for a card that never got added to my account and they would not help me. Never using them again.

Once Citibank has your money you hardly get it back. Citibank ignores customer instructions leading to fiscal disadvantages. The bank also ignores complaints and is absolutely unreliable and unprofessional. Calling customer service is completely pointless. Whoever sits there just fobs people off and has no clue.

For your own sanity DO NOT use CitiBank! Most of their "Customer Service Reps" cannot be understood. I had 2 fraudulent charges on my account one in Chicago, IL for tacos and one in Bellevue, WA for T-mobile - I do not even use T-mobile! I spoke to 5 people in the Fraud Department with NO RESOLVE. I cancelled my card and yet, I received a replacement card. AGAIN, DO NOT do business with this company or you will be sorry!!!

I opened a new Citibank American Airlines Mastercard account yesterday, because AA is transitioning away Barclays. The plan promised 80,000 AA miles if I charged $3500 in the first few months . I was approved, and given a new card number and CVV.

One day later, I tried to use the card at a dentist to work toward the needed minimum charge. My charge was less than 25% of my credit limit. My credit score is 850. Citi declined the charge, and the card was only good for limited, smaller charges for a setup period.

Their India-based customer service was very hard to understand through the heavy accents, and lied to me, saying that the dentist declined the charge. Five minutes later, I got an email from Citi, saying that Citi in fact declined the charge.

The program with AA is a scam, with after the fact add-on limitations, and poor service quality designed to frustrate you from calling in.

I was attempting to book foreign train tickets directly through a rail company's website. Citi denied the charges. Over the course of four separate calls to the fraud unit, I was assured after each conversation that the card had been cleared for use. Despite these assurances, the card continued to be declined. When I called a fifth time, the fraud unit again indicated the card was clear
I asked to speak with a Customer Service representative who finally admitted the card was not clear. was transferred back to the fraud unit, where an agent informed me the previous clearances had been performed incorrectly but promised it was now fixed.
The card continues to have spotty performance with some charges being approved while other charges are declined (in person or on-line).
I am at Citi since American Airlines is discontinuing its relationship with Barclays. We haven't decide if we will continue with Citi.
The fix, be like Barclays and not like Citi.

Citi Bank? Every mistake imaginable! If they can't make money off of you they will close your account! Another bad bank is Bank of America. They should change their name to Bank of the IRS... They are known to be snitchers.

Twice I have been locked out of my account. They have voice recognition technology but they torture you with a tech support that is somewhere on the other side of the Pacific Ocean with people who are impossible to understand. This lady have me a ticket number. I can log in tomorrow. In contrast, I had a password problem with Chase and a very lovely lady had the problem fixed in a few minutes. Citi CC on the other hand I spent over an hour trying to figure out what the hell this oriental lady was saying. Impossible to understand. The absolute worst customer service (abuse) in the CC industry

I've spoken to 4 representatives to report fraud over the last 3 weeks. Every time I call, I get an incompetent person on the other end. The issue is still not resolved and they are telling me another 2 weeks and that I'm supposed to pay the fraud charges in order to not get late fees. Really?? It's a card I've not used in over 2 years and they want me to send hundreds of my own dollars to cover the fraud I reported 3 weeks ago just because they are incompetent in doing things correctly the first 3 times I called? Ridiculous. Closed the account and will never open another Citi account!

I have a Costco Citi card and typically it’s been a good card but recently there seems to be outside fraud activity and I’ve had to replace the card several times, which creates issues because there are some automatic payments that come with that and those all have to be redone with the new card

My biggest issue is how the card was being replaced. The card was being replaced and they said it would be 5 to 7 business days and so they sent me a new card before Thanksgiving on November 24 and I never received that card so after almost 3 weeks I told them that and they said they would send me a new card which would take 5 to 7 business days and that was about three weeks ago ….the interesting part is I got this card and I thought wow that was quick and I called to activate it, but they said it was the old card And a new card was coming and I asked if it could be expedited because I’m going out of the country this coming weekend ….and after talking to two different people, they said basically no that would not happen

the problem is this new card will likely come even later than the first card that was sent before Thanksgiving because of all the US Postal Service mail going through , so I will not have a card and there’s no way they say they can expedite it ….that seems completely unreasonable, especially since I can order something for six dollars from Amazon and it comes in a day ! But a card that has over $30,000 of credit on it can’t come as fast or fasterthan Amazon delivers?
It makes no sense. It makes me want to get rid of the Citi card!
but I have to go to Costco first and see how I can do this.

The customer service was horrendous.....11 agents and NO ONE could assist me.....it wasn't a difficult fix......easier to just cancel my CITI card...I don't recommend them to my worse enemy. If I was upper management and saw all these legitimate complaints I'd be firing every single person in Customer Service.....oh right, they don't have any customer service.

They took you to Indian based support, Not very helpful or even understandable. Avoid at all costs

Citi Credit card owner here. double cash. NEVER, ever, hold this car. To dispute a charge, I spent one hour on the phone with a person from India who had no clue. I thought it was a scam. After 1 hour, I hung up. I prefer to keep the disputed charge rather than to deal with them again

I just opened a business card for use with travel and American Airlines. I started a trip to St Martin in the Caribbean and first thing they start denying charges. Then they want me to jump through hoops and do this and that with letters. Now I tried to cancel my account and it’s just more of a run around. I don’t have time for this. Plus I can’t understand anyone from their India call centers, doesn’t help.

After many years of enjoying the Citi 2% back card, I needed to call in to inquire why a supporting card wasn't sent to my son. They asked for my secret word, the one used to verify identity if you forgot your password. Remember the service announcements that your credit card vendors will never ask for personal information that can be used to compromise your account? Well, Citi did, and did the stereotypical crook response of intimidation when they didn't get it. Citi wanted me to disclose my secret word, and if it was a joker and not City, the information could be used by a crook to update my password. Because I refused to reveal it, hanging up instead on a potential phish call, Citi decided to freeze my account. What's more, Citi decided it wasn't worth sending notification of such to my Email of record. Two days later, my Medigap policy wasn't paid because of it, and I started getting cancellation notifications that, if cancelled, I would never be able to obtain another Medigap policy again. I received a letter two weeks later from Citi, by which time I decided to cancel the card. We are now negotiating the means to verify my ID without me giving out personal info that directly leads to account/personal compromise. So I can cancel my card.

I reported a $2,800 fraudulent charge on my Citi credit card and received no meaningful help after multiple attempts to resolve it. The lack of support has been extremely disappointing, and I would caution others to be aware of Citi’s poor fraud-response process. They refuse to provide any information on whom even made the charge. Apparently if you have no receipt, you have no protection - which is impossible if it can’t be determined where the charge came from.

The investigation took 2 months at the end of which I was called a liar by a customer service representative. Purely because my card information was stolen rather than the physical card.

I’m extremely disappointed with Citi Bank. I purchased a refrigerator from Best Buy for $2,047.99 (total with tax: $2,249.41). After exchanging for a cheaper model, my remaining balance was supposed to be $1,449.41, since I had already paid about $800 in advance.
To my surprise, Citi Bank charged me $1,706.71 instead — an extra $257.03! This kind of overcharging is unacceptable. It feels like they’re scamming customers. I would never recommend Citi Bank to anyone after this experience.

You should only apply for their cards as a backup, not your main one. The customer service is terrible — slow, unhelpful, and downright frustrating. Their verification process is a nightmare: they ask for your SSN, card number, security word — basically every detail possible — and after all that, you still end up waiting 20 days for some outdated physical letter to complete verification.

Don’t even think about using this as your primary card. They have a habit of blocking your card without notice, leaving you stranded in the worst moments. Save yourself the headache — this card is more trouble than it’s worth.

I’ve been a Citi credit card holder, and my recent experience has been nothing short of frustrating. I was overcharged by a merchant, and despite submitting a clear dispute with all the necessary proof, Citi failed to protect my interests as a customer.

Their customer service was unresponsive, dismissive, and completely unhelpful. I had to follow up multiple times, only to receive generic replies and a final denial of my dispute with no reasonable explanation. It’s disappointing to see such a large financial institution show zero accountability or concern for fairness.

I expected a credit card company of Citi’s size to stand by its customers and handle disputes professionally—but that clearly isn’t the case. I’ll be closing my account and taking my business elsewhere.

If you value transparency, fair treatment, and reliable support, I strongly advise avoiding Citi credit cards.

Long-time customer (9 years). The bank hit my credit card with a fee that no representative could justify or point to any contract clause authorizing. Staff refused to provide a channel for a formal complaint with a case/reference number—only a paper letter to a mailing address, with no tracking or status updates. I was bounced from one specialist to another; responses stopped, or I was told to “try later.” I was satisfied with the bank until I actually needed help with a real problem; after this issue, I stopped using its services.

Citi Card security features render it impossible to use the credit card. My Citi Card credit card has a $29K limit and a balance of - $537 (credit). On October 18th, I had to pay for my family’s vacation to a resort in the Maldives. We leave for Maldive on October 29th, and the 18th was the day to make payment. I attempted to use my Citi Card credit card. Entered in the information in the Resort’s secure link payment site. After entering the credit card info, I was prompted to enter a Citi Card provided number, and a phone call to my land line (a number associated with the Account) was received. Answering the phone, it first asked was I expecting this call, which I answered yes (another verification method), then received a number, which I entered onto the website. Upon processing, I received the notification on the website it was denied. Checking my email, I received another security check, an email notifying me of the attempted charge and if I authorize it, which I select “yes”. Upon verifying it was from me, the email response informed me to try the purchase again. I ran through the process again and received another denied transaction attempt. I called Citi Card, speaking to a representative and explaining that I’m trying to make a purchase with my card. In calling Citibank, I verbally provided the required information to prove my identity as the Card Holder. He understood, and connected me with the Fraud Department. I explained what I was trying to do, that I had to make the purchase today (October 18th), that it was for $13K and I had a limit of $29K with a credit balance of $537. The representative of the Fraud Department explained that there is extra security for large amounts such as this. She stated she would raise the security threshold to $15K, allowing me to make the purchase. I waited online probably 25 minutes. She told me that it’s all set and I should have no issue making the purchase. I thanked her and attempted to pay for my family’s resort stay. Again, I was denied. I immediately, called Citi Card again and spoke to the Fraud Department. This time, I received a non-customer oriented individual. I explained what I was trying to do, that I just hung-up minutes ago with his Fraud area and was assured everything should work. He asked me for a Reference Number. I stated no one gave me a Reference Number. He said he is issuing a letter that I will receive in 7 to 10-days. WHAT! After verifying my identity via phone number, email, and verbally, Citi Card’s solution to my time sensitive payment issue, was to mail me a letter with a Reference Number on it? There was no fraud involve, just a Card Holder trying to use his card. After the call ended in disgust, I tried calling back Citi Card and spoke with another individual in the Fraud Department. Unfortunately, because the asinine individual issue the letter, they could not help me. My card was locked. My family trip was in jeopardy now because of Citi Card’s security complexities and poor Customer Service in providing, what should be rather a simple process once an individual proves they are the Card Holder trying to make a valid transaction. I understand the Security concerns. I had no issue with my first contact with Citi Card. In fact, I thought the Customer Service was very good and they enabled me to make the purchase. Only to find out, nothing actual changed. The second person seemed uncaring, not understanding, failed to check account notes from my previous call, and only followed a simple script that a Reference Number letter must be issued. Clearly there was no fraud concern. Luckily, this payment attempt(s) were made in the morning, affording me the opportunity to run to a bank and process a wire transfer, which went out on Monday, October 20th. I’m still waiting for verification that I did not lose my reservation. I have been a Citi Card Holder for 24 years. Since October 2007, I made $218,526.63 in purchases and paid $17,597.11 in interest. This episode made me remember the difficulties in trying to purchase Bangkok Airline tickets for $220 a couple of years ago, where Citi Card security features and hurdles, nixed the use of the card. I think it’s time to shop around for a new Credit Card Company.