Citigroup Private Bank

Citibank may transfer funds from your external bank account without your knowledge! They did this from my account. This was horrible. Online banking management is terrible. Custom service is outsource to Manila or South America country. Calling them just waited time and they may hand up on you too.

I'm their former global head of compliance and I've lodged a formal complaint against them and am considering suing them. That should tell you enough. My experienced banker and investment adviser both quit no doubt they hated it, my "new" banker never bothered to meet me, nobody looked over my portfolio after I sold two properties and had significant excess cash, and they gave me little advice and what advice they did give was inaccurate with no explanation of risks or the downside. So far as I can tell they replaced experienced people with junior staff with no clue.

I got a Costco credit card that used American Express. Citi took over and more than doubled my interest rate without notice. Now my monthly payment only goes towards interest. At this rate it will be paid off in literally 30 years! What a scam. After spending hours trying to make payment arrangements they said they don't have any "options for me". Basically scree you! $#*!s organization!

It's a good card. Very convenient, however, they decreased my limit by over %50 and can't tell me why. Checked my credit scores and they went up in the last 24 hours. I pay my balance bi-weekly to monthly. I escalated through service but don't think it will do any good.

I have had nothing but negative and frustrating experience with citibank! The online banking is just exhausting. Total time and energy waster. I can go on and on with stories about my experiences. Every day it was something else. After 3 months i finally switch to Chase. What a time waster.

That is, if you can get one single human being on the $#*!ing phone. This bank is absolutely worthless. It took me 15 tries on all of their various 1800 numbers to actually get a human in the fraud department. And guess what, it turns out their fraud department employees cant actually help you with fraud issues. If i need to contact my credit union, they have multiple phone numbers that get me to a human right now. I feel bad for citibank customers as citibank surely does not care of your problems. Citibank can kiss my $#*!!

I have a Citi credit card which I pay online I get no hard statement. I tried to change my password and was locked out of the system. I called 2 times they can not get me back in at all. Their answer was thanks for calling have a nice day. I can't see it at all. So I can't pay it or see anything. Worst customer service ever.

It took 20 hours (!$##$) to get online access to my elderly parents account (which I had already joined in person at the bank.) It repeatedly "goes down" and is unavailable and then locks me out every other time I try to log on. I have NEVER had this problem with any other bank and I have done online banking for 20 years.

Recently we stopped the autopayon the Citibank Costco credit card for a couple of months. We called and put it back into force. But Citibank did not take the money from the account two months in a row, costing us almost $200 in interest! This has been my experience with Citibank long term--they are only interested in Citibank. I had been an early fan. Costco should change to another credit card company.

Oh, and the agent was eating (with great enjoyment) while I was on the phone.

I lost trust in Citibank after having two credit cards with them. Once I discovered their lack of honesty, I promptly closed both accounts. I strongly advise against opening a Citibank Credit Card, as they seem inclined to exploit customers with late fees and high interests. One of my cards, the Best Buy Credit Card managed by Citi, exemplifies this. Despite calling a month before my 16-month promotion ended to settle the remaining balance, I later discovered they had continuously withdrawn the minimum from my checking account, accumulating fees totaling $325. On the contrary, my Costco Credit Card with a $0.00 balance had no issues. I regret opening an account with Citibank and won't engage with them again. Lessons learned. Reviews revealed others faced similar problems with fees and interest. Thankfully, Helpback.me assisted in recovering all the fees taken from me.

Unreliable and arrogant people filled this place. I was so pissed with their unethical approach to handling a dispute that i had to pull out all my funds from them. In addition, closed all investment and credit card with them. They left me in SHOCKED over how unprofressional these people are. I suspect they hire their staff from some third world countries that couldnt care less about honesty and kindness!

They are good but I found them unprofessional and not so flexible for their investors and I left the bank shortly after joining them. I wont recommend their savings or any other product just cuz their staff is very negative in dealing with their clients and had so much problem to even get a card account although I am a good investor with excellent credit.

New to the city, many colleagues recommended Citi, for ATM access, account choices and what not. Did not work out at all for us. Too many fees, too many rules, un-competitive savings rate. Closed the account after one year.:-((

Today down pretty much most of the day. The online system is worst that usually and it is very bad in general. I logged in did about 3 transfers, error message system down. I tried to log in later, system down. Just now I made a payment, suddenly system down. Customer service line is busy, no response. I tries to send a message, of course you cannot, the system is down. Now the credit card information is not available... cannot make a payment, cannot see the balance... thank you Citibank for nothing!
Citibank has the worst technology ever!

Citi has always given me the impression that they would protect me the consumer in transactions. This Fall we booked a place to stay on a trip to California. Two days before leaving on our trip - the place we had already paid for contacted us and said we would not have a place to stay. I disputed the charge with CITI, and went through a several month's long process - only to be told that since the "merchant" would not refund me - Citi would not refund the money paid for through them for nothing!

I have had nothing but a frustrating and disgusting experience with Citi NRI.
Sent a letter to Chennai office, 2 times so far without resolution yet, per instructions from customer service, instead of resolving a small online account lock issue on a call / text / email within the U.S. itself.
The first time I sent this, the bank kept waiting for a signature, and never followed up with me on the next steps and they expected a signature on a letter written by me, along with a driver's licence copy that already had my sig on it. I got to know the need of a signature after 2 months, and after 10 calls that I had to make from on my own. On top of that, one of the calls where the issue was escalated to a Manager, Rams Manager, Mgr SriRam hung up on me because he probably was in no mood to listen to a complaint.

Do not use them! Terrible customer service. If you go into the branch they're nice buts thats it don't expect much in terms of using them for business, loans etc---they nickle and dime you to death like all banks nothing great about them people should stop using banks for bill pay and to hold your money it only benefits the bank I'm not just a angry bad credit person I have way above average credit rating and they put you though the ringer for a loan or refi even though I had them for my mortage for over 15 years and never late and charged me for an apprasial --they strung me along for 6 months I left went to another company closed in 45 days!

I don't trust Citibank. I had two different credit cards with them and I closed both of them as soon as I found out they have not been honest with me. I would not recommend anyone to open Citibank Credit card. They will do anything to rip you off by charging you late fee and interests. One of my credit card was Best Buy Credit card managed by Citi. I called them one month before my 16 months promotion ended to pay my remaining balance and after they confirmed they have charged my checking account, months later, I found out that they have been taking the minimum out of my checking account and they charged me fees after fees totaling $325. My other Credit Card(Costco Credit Card had $0.00 balance and I didn't have any issue with that card. I regret opening an account with them to begin with. I won't see them or talk to them again. Lesson learned. I found out through reviews that some other people had similar issue where they were hit with fees and interest.

Customer Service was very helpful start to finish and I have nothing but great things to say.
Thy helped with a new loan for our dream home!

Just in time for the holidays!

An exemplary example of a horrible customer service experience. Every company has a bad apple... but usually you can bypass the intellectually-challenged agent to speak to a superior who can assist in solving your problem. Not so with Citicards. The financial institution credited my Electronic payment (made in same format for at least 11 consecutive months prior) to the WRONG account. When I called to speak to customer service to straighten out the issue, I wasted 30 plus minutes of my life speaking to an ineffective and incapable agent who could not resolve my problem nor allow me to speak to his supervisor because "he was my supervisor". Instead of banging my head against the wall by continuing to speak to the agent, I gave up and will have to start from scratch again with a new call. Unfortunately, I was not able to file a complaint on this "supervisor" since I was prohibited from speaking to his "supervisor", "boss", " superior" or anything else his narrow little mind could interpret to be in a position above him in his call center.

Private Client Customer Service is a complete joke and the people so rude. The worsed I've ever come across. None seem to know very much about the job they are being paid to do.

There are many that offer online banking but this is the best. Only thing that is not so good is you cannot change the pin on your credit card but only your atm card.

Given the widespread problems with stolen/hacked personal information, unwanted charges, phone scams, and supposedly "free" trials, here's how I pay for my online shopping.

CitiBank issues credit cards [see: www.citi.com] with an optional feature they call VIRTUAL ACCOUNT NUMBERS. Plus, their website allows cardholders to sign up for account "notifications" to be sent via e-mail or as text messages.

After you login to your CitiBank online account you can create one or more brand new and unique 16-digit credit card account numbers, each with a specified maximum dollar limit (for example $50) and expiration date (for example 2- or 8-months from now). Each Virtual number is good for use by just one merchant.

When an online merchant asks for your credit card information, you simply provide the newly-created Virtual number, its expiration date, and (if requested) the 3-digit CVV/CVC number. When the merchant charges your Virtual Account, CitiBank's online data (and any notifications via e-mail or text message) will show that activity within about 10-seconds. (Fast!)

In my experience, the best parts of all this are:
-- I know immediately when my account is charged, and for how much.
-- If a hacker steals my Virtual Number, my primary credit card information is not at risk.
-- By setting a maximum dollar limit, I can avoid the "surprise" of unwanted recurring charges.
-- I can close my Virtual Account at any time. (Meanwhile, my primary account remains open and ready to issue new Virtual numbers.)

This has been working for me for a couple of years.