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.
I have been banking with citibank for about 3 years because citi @work through my job. However, got a notice in may stating that the account will no longer be free with direct deposit and you will need $15k to waive the fee or pay $20, then just recently they sent notice that they would raise the account fee from $20 - $25. Requested to close my account online, got a message back that they are sorry to see me go but that is it. I had to send 2 additional messages just to get my account closed.
Obviously they didn't care about my business because they weren't doing anything to retain. Overall the service was decent, didn't have many problems, online features are pretty good. But i am putting my money where i actually get something in return. Citi declined me for a credit card but bofa and capital one actually approved me for the cash rewards 1-2-3 and the quicksilver. So i rather put my money into banks that actually offer something versus consistently trying to get more out of me and not doing much.
This morning october 14, 2014, 9:00 am, i called citi bank at norco branch to get some more info for the home equity loan for my friend but the loan officer told me if my friend cannot speak english he can't help and even i told him i can help my friend to translate everything. Is it discrimination and against the law?