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.
We have banked at citibank for over 30 years, currently a citigold client. Tried to get the branch ownership of our accounts moved from where we opened it to where we have lived for more than 20 years. Citibank doesn't do that - they "want clients to experience good service from every branch" no matter where. That may be their philosophy but we are looking for a "banking relationship" with a banker at the branch where we live. Should there be a problem, we want to be able to go into our local branch and get it resolved. How can it make sense to call the branch where the account was opened or go to that location; we haven't been there in the last 20 years. After numerous calls and follow up on my part to the 2 involved branches, we have decided to research and select a new bank.
I paid off my credit card balance. Rightfully didn't question not receiving a statement the following month; because the balance was paid in full. The next month, I get a past due statement for a balance of $2.17. Funny, the full-exact balance had been paid. Accrued finance charges, OK. (I can only imagine how many customers don't expect a $1 statement in the mail once the full balance was paid/or how many customers magically didn't receive the first ever missed statement of their account history). Also funny, this was the first time in nearly 10 years that I didn't receive a statement. I have perfect payment history and wanted the 1 payment past due cleared. An "Account Manager" refused, because there was no bank error. I certainly made no error. Citibank refused to let me talk to someone else, as he was the highest and they no longer allow calls to be escalated to anyone higher. Wow. No "big picture" for the business or your customers. No "care" at all. Amazing how you stay in business. Disgusting.