I had opened up 2 credit card accounts with CITI. I made attempted to make payments on both cards online using the automatic payment system through their onlnie website. BIG MISTAKE!!! My one credit card payment had gone through successfully. Unfortunately, my other didn't! The bank tried taking my money out of my savings account on one credit card and the payment was returned because the funds were in my checknig account where the other credit card payment was taken out. Well, they tried taking out the payment multiple times charging me $30 fees everytime, without notifying me by phone or email. Keep in mind I was trying to make a payment 2 weeks in advance!!!!! Not 1 phone call or email that it didnt go through. So i found out my credit cards wernt worknig when I tried using them at a loca lwork cafeteria and they denied both. I CALLED CITI THEY CLOSED BOTH ACCOUNTS PERMANETLY!!!!!!! ON A BANK ERROR NOT A CUSTOMER ERROR. NOW ALL 3 CREDIT REPORTS SHOW THESE ACCOUNTS CLSOED. AND I CAN'T OPEN ANY OTHER CREDIT CARDS BECAUSE OF THE INQUIRES!!!!!! I HAVE TO WAIT ANOTHER YEAR OR SO!!!!! I EVEN HAD MY BANK FAX A LETTER TO CITI TELLING CITI IS WHAT THE BANK ERROR, CITI STILL WOULDNT DO ANYTHING FOR THE CUSTOMER!!!!!!!!!!! I HATE CITI BANK I HAVE SPENT MULTIPLE HOURS WITH PHONE CALLS LETTERS AND RESEARCH TRYING TO RESOLVE ISSUE AND STILL NO RESOLUTION!!!! ALL BECAUSE THE ONLINE PAYMENT SYSTEM MESSED UP.
My first contact with Citibank at Spectrum Center was a pleasant experience. Living in West Africa, I have often inter-acted with the bank on the phone, and found the staff to be courteous and helpful.
However, calling the bank from abroad and sorting out problems can be quite a nerve-racking experiment: You are put on hold for very long time, and shifted from one official to another. This can prove frustrating, especially considering that from West Africa, for instance, there is no using free call numbers.
I have an account (premier) with citibank in Budapest, Hungary. I went travelling in the countryside by car, and received a text message informing me that my debit/mastercard had been blocked. So, I call and I am told that my card has been found in another part of the country. No, It is impossible because it is in my hand.
No it is not, I am told.
Naturally, I request that they ask me further security questions, including my passport number, but they refuse?
This continued for 3 days and I had to spend 2 nights sleeping in my car with little food and water. I hadn't enough petrol to get to a town where there was a branch and no more telephone credit?
Fortunately, a friend called me and put credit on my phone. 3 insane calls later someone, somehow decided to reactivate my card.
After returning to Budapest, I have made an official complaint and received a reply apologising, and stating that it was due to human error.
"f you have any documentation in connection with claim for damages please send that to" bla bla bla.
Of course I incurred no costs, I was denied access to my money!
But I did have an extremely traumatic experience being homeless and impoverished which they are "sorry" for.
Is this not illegal? If I refused to give you money which you could prove belonged to you, isn't that a temporary theft?
I have an audio copy of all telephone conversations from them.
Any legal advice would be much appreciated.