Citi Cards Customer Service Issues

I have been facing issues with Citibank reporting my payments as delinquent. The amount I owed has been charged off, and the account is closed. I have already paid the taxes on the owed amount. I am in the process of rebuilding my credit after losing my job, but Citibank reporting me as delinquent is affecting my credit score. Is this legal considering other credit card companies that charged off my debts are not doing the same?

I am confused about where to send my full payment, as Citi's FAQ directs payments to American Express while American Express's statement says to pay Citi. I tried contacting Citi online, but my email didn't go through, which is frustrating since I can't reach them by phone. I just want to avoid any late fees, so clarification is essential.

I recently received my AAdvantage American Airlines Citi Mastercard Executive World Elite. After activating the card over the phone, I learned about the 50,[redacted] bonus AA miles offer if I spend $5,[redacted] in the first 3 months. I attempted to use the card to pay a $4,[redacted] Four Seasons annual Time Share dues, but was surprised when my card was blocked by Citi Security due to lack of history with them. Despite my frustration and request to speak to a supervisor being denied, I reached out to Citi Fraud division for assistance in unblocking my card for the payment to go through. I question why I was penalized for using the card after activation and why speaking to a supervisor was not allowed. I am considering lodging a formal complaint as I have a Chase VISA with a higher limit that does not treat me similarly.

I am concerned about the credit card policy regarding communication for suspected fraud. I received a new card but am unable to receive text messages and may not always check my email. When I inquired about opting for a phone call instead, I was informed that this is not an option. It is unreasonable to assume everyone has a smartphone and prefers digital communication. Businesses have historically called customers, so why the sudden change? I urge the company to reconsider this policy for individuals who require alternative forms of contact. As an older customer who relies on my card for emergencies, being unable to receive a call could leave me stranded. The current policy seems discriminatory and lacks flexibility. I hope the company addresses this issue promptly.

For the past two months, I've been encountering difficulties accessing the credit card app provided by your company. Each time I attempt to log in, an error message appears instructing me to try again later. I struggled to recall my security code, hindering my ability to access the website for making payments. Despite not realizing there was a phone payment option, I sought assistance from my mother, who advised me to make a payment over the phone. I recently called and settled my outstanding balance, however, I am frustrated by being charged a $25 fee for missing the minimum payment last month. This was due to the app malfunction and being unable to access the website, which led me to pay over the phone. As a first-time credit card user, I was unaware of the phone payment option. My mother suggested reaching out to you to address the $25 charge under these circumstances.

As the account holder, I previously tried to dispute this matter earlier this year. It's clear that emails were mistakenly sent to the original website owner, not me. I have notified GoDaddy, and I want to explicitly state that no unauthorized charges are allowed on my Citibank Mastercard. I seek a refund from Citibank due to unauthorized charges last year, as your records indicate I was not properly informed. The issue began when I created a real estate website on GoDaddy in [redacted] to promote an apartment building. In [redacted], my client paid for the website's second year as I was unavailable, and we needed to proceed with the marketing. Unfortunately, the apartment was sold, and in [redacted], an unauthorized charge appeared on my client's credit card because I failed to close the website promptly. My client, dealing with health issues, missed the dispute window due to undergoing surgery. It has come to my attention that someone is now using the website to sell shoes without authorization. My client deserves a full refund, and no further charges should be made to her Citibank Mastercard. Any unauthorized use of this domain name should be rectified, and my client refunded. There should be no more charges to either my card or my client's. Please refund my client, close the website, and cease any unauthorized activity. Thank you. Gregory C. and Moe K.

Message from Citibank of New York: Subject: Payment Release Instruction Dear Fund Beneficiary, We have received confirmation to disburse your payment of US$10.3 million. You have been issued a payment reference number for immediate release within 96 hours. Please provide your details for processing. Kindly note, do not call for inquiries as communication is only via email. Thank you. Mr. Kelvin Williams Director of Funds Clearance Unit Citibank New York

Dear Sir/Madam, I would like to bring to your attention an issue that occurred on August 30, [redacted], regarding a purchase I tried to make at Costco using my CITI card. Prior to the transaction, I contacted customer service to verify my credit balance, only to be informed abruptly that my account had been deactivated without warning, despite my account being up to date on payments. The lack of consideration for good customer service was evident in the handling of my account by CITI. Despite making consistent payments above the monthly minimum and setting up automatic monthly withdrawals from my bank, CITI chose to deactivate my account disruptively and harm my credit standing. In light of this treatment, I have decided to discontinue the $[redacted] monthly automatic payment on card ending in [redacted] (# xxxx xxxx xxxx [redacted]). Starting in October [redacted], I will ensure to pay the monthly statement amount until the account is settled in full. I kindly request to cease any future solicitations regarding new cards from CITI. It is regrettable that Costco is associated with a company that shows such disregard for its customers, and I hope they reconsider their partnership in the future. Sincerely, C. D. Reese and M. L. Harris

I was double charged a luggage fee by SAS airlines on my credit card, which they refused to refund despite my efforts. I took the issue to CITI, with thorough documentation, but my appeal was denied causing me to cancel my card. Despite always being prompt in my payments, CITI reported the charges to TransUnion, significantly impacting my credit score. After contesting this with TransUnion, they removed the account from CITI but kept the late charges on record. I stand by my decision not to pay for the airline's mistake and urge CITI to investigate the unjust charges, clear my closed account, including late fees, and rectify my credit report with the credit agencies.

As a loyal customer, I have encountered difficulties receiving physical statements from Citi Visa at my address. This situation has led me to frequently contact your customer service department to inquire about the missing statements, the amount due, and the due dates. Despite making these calls last month and this month just after the due date, I was informed by your service department that they could not waive the late fee this time. I am disappointed and hope that you will consider removing this late fee as it was not due to my actions. I would prefer not to have to cancel my and my spouse's credit cards over this issue. I have assured the customer service team that I will no longer rely on receiving paper statements and will instead pay bills in advance using the online portal starting this month. I kindly request that you waive the late fee so that we can feel that you understand the situation that occurred was not our fault. Thank you in advance. Please reach out to me for further discussion. Sincerely, Sal.

To the Citicards team, I am reaching out to request a dispute of all charges made by Amazon on my credit card due to fraudulent activity. Initially, I received an email confirming a Prime membership that I did not sign up for but decided not to contest it, assuming I had accidentally clicked on something. However, I then received numerous emails confirming movie orders and a second unauthorized Prime membership charge, leading me to believe Amazon was engaging in fraudulent practices to make money. Despite my complaints and request to cancel my Amazon account, they only acknowledged the account closure and failed to refund the unauthorized charges. Please take action to dispute the charges from Amazon, including the unauthorized Prime membership and movie purchases on my Citicard Visa. I anticipate your prompt response on this matter. Thank you for your assistance, Viet T. *Note: I am currently out of the country until at least the beginning of April [redacted], so kindly communicate with me via email. I have learned of other long-time Amazon customers closing their accounts due to similar fraudulent incidents involving overseas subcontractors.

I have been a loyal customer for over a decade with impeccable payment history. Currently, I hold three credit cards with credit limits ranging from 6K to 9K, maintaining a credit score in the 700s. While renovating my home, I utilized one of the cards which led to a slight delay in a minimum payment since I don't usually use it. As a result, Citicards drastically slashed all my credit limits, pushing my credit utilization over 30% and causing a sharp drop in my score, despite having no negative marks in my credit history. This has impacted my ability to secure a favorable rate for refinancing. Subsequently, Bank of America also reduced my credit limits. I urge for the reinstatement of my limits to restore my credit score, as these actions have unjustly portrayed my financial stability and loyalty.

I have been dealing with receiving automated calls claiming my Citi Card payment is late, even though I have not received a bill. When I contacted customer service, they mentioned that my account was switched to autopay without my consent. After rectifying this, I resumed paper billing and the late fee was waived. However, I have noticed a recurring issue with my statements lacking return envelopes for payments, which means I have to manually address the envelopes every month. This inconvenience makes me unsure if my payments will be properly credited. I would appreciate some clarification on this matter. Thank you.

I believe my identity has been stolen. Recently, I have received threatening calls from individuals claiming to be from Citi, alleging that I owe over $[redacted]. They were evasive when I requested details and advised me to go to court instead. Suspicious of this, I suspect it may be a fraudulent account, an attempt from the fraudsters to deceive me, or a clerical mistake. They are contacting me from [redacted]. The number does not accept calls from unidentified or masked numbers and urges me to call back. The representatives I have spoken with have been unprofessional and vague, which contradicts the usual customer service practices I am familiar with from my 6 years of employment handling the Sears account at Citi. As this is the only available contact, I hope you can assist in clarifying the situation or guiding me on verifying any unknown account with you. For further communication, I can be reached via email at [redacted] or at [redacted] or [redacted]. Kindly, Tammy Harrison.

I encountered $[redacted] in fees with CitiBank across two credit cards due to a replacement card situation. Despite multiple interactions with CitiBank via calls and chats, resolving the fees has been challenging. CitiBank initially acknowledged the fees were a result of my hacked checking account causing payment issues. They assured me of a full refund due to the circumstances. I have interacted with managers like Vanessa and Mavel from the USA. Although $[redacted] of fees have been reimbursed, $[redacted] remains outstanding. The lack of clarity from CitiBank is frustrating, and I seek a resolution promptly. I am open to negotiation if the full $[redacted] reimbursement is challenging for them. Thank you.

I have a Citi Best Buy Visa card that I got a couple of months ago. Initially, I set up auto payments but can't locate my card now. I believed it would auto draft, but I am receiving calls requesting payment. I take responsibility for the issue with the auto drafts not being set up correctly. Due to not having the card number, it's challenging to resolve this online. I can't access the contact information without logging in. I am unable to talk on the phone and need guidance on how to make a payment without calling. I prefer to pay my bill, so please send me a new card, assist in resetting my login, or provide an alternative method like mailing cash. I am currently out of the country and cannot call. Please refrain from contacting me via phone as I am unable to answer. Your cooperation is appreciated.

I have a Citi Double Cash credit card and I am attempting to have my Cash Back deposited into my new bank account. Upon logging into my Citi account at [redacted] and selecting "View/Redeem Cash Rewards," I can see my Current Cash Rewards Balance of $[redacted]. When I click on "Redeem," I am presented with the options of Statement Credit, Direct Deposit, or Check. Opting for Direct Deposit, I am prompted to enter an amount and choose a Bank Account. The only available option is an old bank account that I need to update to my new one. Unfortunately, I am unable to find an Edit button to change the bank account details. How can I update my bank information and remove the old account?

I am contacting you to address two recent issues. Initially, my credit card with a $10,[redacted] limit was declined when my balance was only $10,[redacted].59 on May 13, [redacted], well below the limit. Additionally, I was led to believe I qualified for a Platinum card promotion and after meeting the requirements, was informed of a "small print" clause disqualifying me due to having held an advantage card in the past two years. This detail was not explicitly stated, leading to confusion. I suggest two solutions to rectify these situations. Firstly, a simple apology via email would suffice for the first issue. Secondly, depositing 60,[redacted] miles into my AA advantage account (UTY3614) as compensation for the second matter would be appreciated. I hope resolving these issues can maintain our positive relationship. Thank you for your attention in addressing this matter. Regards, John Email: [redacted]

I received an SMS from [redacted] instructing me to activate the Costco Anywhere Visa Card by Citi, despite not being a Citibank cardholder or a Costco member for years. I attempted to contact the provided Citi number but was unable to proceed without a credit card number or my full Social Security number, which I am hesitant to provide over the phone. The operator recommended visiting a Citibank branch, but the closest one is approximately [redacted] miles away. Any assistance would be greatly appreciated.

I have a Home Depot card backed by Citi credit card with three promotional plans. One for a fridge expiring in 7/[redacted], a carpet account expiring in 8/[redacted], and a dehumidifier account expiring in 3/[redacted]. Despite being familiar with the expiration dates, every time I call Citi to arrange payments, they assure me they will allocate them correctly but fail to do so. I am frustrated that despite having a SAC option, the issue remains unresolved. Last year, I experienced a similar problem with another promotional account. I have tried to contact Debbie Bishop, who was supposed to manage these accounts, but she has been unresponsive. Citi seems overwhelmed, and I am eager to have these account discrepancies rectified promptly.