Citibank Complaints & Reviews

Citi bank ATM cards are not accessible at any POS for the past 2 days, Also amount could not be transferred online to other accounts.

Poorest customer care that they have provided land line numbers which are non-toll free, where automated voice responds which again kills our balance.
We almost cant find their customer care numbers online, rather it takes to numerous procedures to file a compliant.

Very dissatisfied.

OMG OMG OMG!!!

“We are pleased to inform you that your existing Citibank Suvidha account will be converted into the new Citibanking account...With this change, the Citibank Suvidha savings account will not be available from March 1, 2013. Your account will be converted into the Citibanking account from this date, ” the bank said in an email.

“As a special gesture, for your long standing relationship, a lower minimum net relationship value requirement of Rs 1 lakh will be applicable for your Citibanking account, ” the bank said.

A monthly charge of Rs 500 is applicable if the net relationship value falls below the minimum level.

Is there none to put a limit to this.. is RBI/XYZ sleeping??

Hi My Name is Ravi,
I am citi bank consumer since 2 years.
I have a loan account as well with citi bank (my bad luck).

I dont understand why they charge, whenever they feel to charge they charge, no proper response on call, you will just waste your time to calling them, they will tell you nothing.

I want to see my account statement/mini statement, because they again charged some nonsense, but i am not able to see why it is. i was having some money into my account but now its showing -300.

second hell is their rules and policies. now they are started charging if your account balance is less then 1 lakh, i want to close my account but no use,
i just wasting my time to asking this people.

I am pissed off dealing with these guys.
I feel i did big mistake to open account here.

This is not just story below i am mentioning my account number and contact number as well.

Account Number : [protected]
IFSC Code : CITI0000004
Email : [protected]@gmail.com
Mobile : [protected].

I recently got a citi bank Rewards credit card created and agent got the application form filled by himself as per the contact details provided by me correctly. I received the confirmation call on correct contact details provided my me so I assumed they had my correct contact details i.e mobile and email-id.

I made my first purchase on this card in February and I was waiting for card statement / notification of Statement availbility but to my surprise, I didn't receive any statement from citi bank for next one month then I called citi bank credit card customer care in mid march to know when my credit card statement will be available and what is the billing date for my credit card.

I was more surprised to know that my statement had already been generated on 15 February. As I didn't get any statement, I couldn't make any payments for this card statement. They had imposed finance charges along with interest penalties on me.

When I asked why did not they send me statement or any sms on my moble; they told me that statement was sent to my email id only but bounced back. When I crossed check, I found that they have wrong email-id and mobile number updated in my profile to the one I mentioned while filling the application form. Please note that they contacted my on correct mobile number when getting the card created at the time of application. Due to this, I could not receive my credit card statement on time if they had actually sent it to me and that's why this delay caused me with penalties and interest amount burden due to the mistake which wasn't at my part but from city bank staff.

When I requested them to revert the extra charges; the customer care people just denied to do that.

Name - Jitendra Ahlawat
email - [protected]@gmail.com

In 2012, one of the citibank customer service executive offered me a credit card which was told to be free for life.When I recieved the card, I was informed that I there is an annual fees for card by the customer support team. I immediately declined to activate the card and asked them to close the card. Now, suddenly in the month of March 2013 after more than 1 year , I recieve an statement from citibank saying that I HAVE OUTSTANDING OF 350 DHS IN MY CARD which was due to the annual fees of the card.

I am baffled and emailed them regarding the same. I am yet to recieve any reply from them in this regard.
Kindly advice.

I have my saving Account [protected] withe Citibank. On 08the March 2013 Evening i have deposited a Cheque from Vijaya bank and check no is 276788 for thee amount of 3000 to my Citibank saving account. On 09the March 2013 it has been deposited to my account withe one day hold period thee Citibank reference no is [protected].On 11the of March 2013 i got a message from citibank that thee cheque is dishonoured. On 11the again thee deposited thee cheque to my account please find thee Citibank reference no. [protected].I called thee Citibank bank on 12the March 2013 to know thee reason for thee dishonoured. I was told that Citibank had send thee scanned copy of cheque to Vijaya bank but Vijaya bank requested to send thee original cheque.On 13the again thee cheque was deposited to my account please find thee citibank reference no. [protected] & [protected]. On 13the again i got a sms from Citibak stating that thee cheque is dishonoured. Citibank also charged cheque return charge Rs 250. please find thee Citibank reference no.[protected]

I called citibank on 13the to find out thee reason for thee cheque dishonoured , but there was no proper reason was given please find thee Citibank reference no for thee call [protected].So for there is no proper reason given for thee cheque dishonoured.Citibank charged for check dishonoured..

Please help me . I am fed up with this issue. I am scared to deposit any more cheque to Citibank.

I have credit card No [protected]. My last bill was 25183.05 dated[protected]
the amount spent was as listed below.

19/01 - Rs950
22/01 - 1028
23/01 - 12378.03
25/01 - 1028
31/01 - 2662
03/02 - 1028.10
08/02 - 500.00

I have made paymentsas below
27/02/[protected]
09/03 - 16000
which covers my purchase upto 25/01/2013
i have made payment through online on 11/03 for Rs 7900 through axis bank ref no : MUTI[protected] thish makes the total amount of my last bill.
New bill is generated on 11/03 which is not reflecting with my payment. I understand it takes 2 days to reflect the amount. However, I called customer care and told them to reverse the charges which is on my present bill which is 1874.60 plus the service tax on that i.e 231.70
First of all i have not completed 45 days which bank claims from the purchase to be charged. I am holding citi bank credit card for past 8+ years. Charges on these cards are always high. I want to know when bank promises 45 dyas of no charges from the date of purchase why this interest has been charged on my card and when i talk to the customer care i am not getting any help. they say my payment is not reflecting before the billing period. But i have not yet completed my 45 days extesnion of free of charges. could any one help me with this.

Regards,
Reshma

Citibank offered a personal loan and with that they also offered a insurance, when they offered insurance they told me that i can cancel the insurance within 15 days from the time i receive the insurance copy and the full amount will be credited back to my account. Even after a month i did not receive the insurance copy, when i escalated the issue, they said that they will send me the duplicate insurance copy, however, the 15 days period is over and if i cancel now, it will be a prorate amount which will be credited to my account. The Citiphone officer informed me to write a letter to the insurance company and gave me the address. I wrote a letter to the insurance company on Feb 7th and its been almost a month none got back to me. On Feb 12th Citiphone executive from Bangalore came to my office and took my signature on the insurance cancellation form and informed me that the amount will refunded within 48 hours and it's nearing to a month but the amount is still not refunded.From past 3 Saturday's i am calling them and they inform me saying that we will get back to you and no one gets back to me. This is one worst service from Citi bank which i did not expect. Even when offering loan they promised me a different amount and when they credited the amount, they gave me lesser amount than what was promised. There are many hidden charges from the Citi bank which was not explained when offering. The Citi phone officers does not know the policy and procedures of their bank. For a simple insurance cancellation, they take a a long time and they themselves doesn't have the resolution and don't know the procedures.Till now they haven't got back with the resolution.
My contact number is [protected].

Sir,
I heard that your company is closed.I took a loan from u and I use to make payments in your chamber branch, but now the branch has been closed so I was unable to do further payments now you have inserted me into defaulter's list due to which I am facing problems to apply loan from another bank.so I am looking for one time settlement but unable to locate you. Please contact me as soon as possible.
SHASHANK AADHANGALE
Cnt no [protected]

[protected]@gmail.com

Dear Sir,

I am holding Citibank Credit Card no. [protected]. Against my this card I received monthly statement for the period from 14th January 2013 to 12th February 2013 with payment due date 1st March,2013. As per statement the total payable / due amount shown in the summary is Rs. 39062.25 whereas as per the details of individual transactions the total payable / due amount works out Rs. 37062.25. Thus Rs.2000/- extra has been shown in the summary. Accordingly I have made full payment of Rs. 37062.25 within the due date.
I would request you to please reconcile / correct the error so that I am not penalised by charging interest by you assuming that payment of full amount of monthly bill has not been made by me within the due date.

Regards,

Citibank Team

I had made three cash payments for my Citibank Credit Card bill at Citibank ATM HSR Layout (Bangalore). These payments were made on on 2nd Feb 2013. One of these payments is less by Rs 500. I have called Citibank thrice and every time they ask for 48-72 hrs to revert back. During one of the calls I was told that I will get a call back immediately from the concerned department who work on these issues. I havent received a call back till date but yes I did receive a mail that Citibank was trying to reach me which is surprising. I did call them back after seeing the mail and they have requested for for 3 more days.

I was given these reference nbrs 97146 and 17017 to track the issue so that whenever I call Citibank phone banking I could refer to these to help Citibank team understand the problem.

I had withdrawn money from an HDFC ATM in HSR Layout (which is less than 500 meters away) to make the cash payment for the credit card bill. The money was counted properly and put in 3 envelopes. Not sure how can it take so long to get to the root of such a small problem.

Regards

I am a credit card holder for Citibank. On 21st of Nov 2012 I received two messages in the morning around 07:15 AM and 07:19 AM about the two transactions that happened on my card amounting $700 and $900 which I did not do. I called Citibank immediately to inform regarding the same but they refused to take any action by saying that there is nothing that they could do till the transactions are claimed by merchant except blocking the card. I told them repeatedly as it was a fraud transaction and I did not do it they should block it.

I also sent them the dispute declaration form as requested by them on 22nd Nov 2012 but no action was taken. On 24th Nov the transaction was claimed by the merchant but still they did not take any action. On 25th Nov when they received a complaint from the National Consumer Helpline they registered my complaint and gave me a temporary credit and informed that the investigation would take around 60-180 days to finish after which they would take the decision that the transactions are fraud or not. I am completely at their mercy regarding the same. I have also filed a complaint regarding the same with Economic Offences Wing at Mandir Marg police station but no action was taken and after a month received a letter from them that they have forwarded my complaint to the local police station.

I am completely stuck and not sure what to do regarding the same. Where should I approach to get my money back.

Please advise. My Phone number is [protected]

From: Head Customer Care
Sent: ‎29‎ ‎January‎ ‎2013 ‎15‎:‎33
To: sunita giridhar
Subject: RE:'Citibank=[protected]'

Dear Ms. Giridhar,

This is with reference to your mail dated January 17, 2013.

We understand the dissatisfaction you have expressed in the mail. We regret any inconvenience caused.

The statement for June 2012 sent to your e mail address maintained in our records was delivered on June 19, 2012.

The physical statements for your card account for June 2012 was sent to the mailing address through Normal Post and the same was returned undelivered. Hence we are unable to trace the POD details of the shipments.
For security purpose and also to prevent fraudulent transactions, the statements and alert facility for your card account were not sent to you.

We wish to clarify that late payment and interest charges will be levied in the event that the total amount due is not received before the due date.

In light of the above, we regret our inability to accommodate your request for the reversals of the charges


In this regard, we had tried contacting you however, we were unable to reach you at the number maintained in our records.

We request you to provide us your current contact number and available timings for us to contact you. Alternatively, we request you to contact Citiphone for further assistance.

Should you require any further clarification please feel free to write to us.

Sincerely,

Lakshmi S
Head Customer Care

The information contained in this electronic message and any attachments (the "Message") is intended for one or more specific individuals or entities, and may be confidential, proprietary, privileged or otherwise protected by law. If you are not the intended recipient, please notify the sender immediately, delete this Message and do not disclose, distribute, or copy it to any third party or otherwise use this Message. Electronic messages are not secure or error free and can contain viruses or may be delayed, and Citi and its affiliates and/or the sender is not liable for any of these occurrences. Citi and its affiliates and/or the sender have no responsibility for unauthorized access and/or alteration to this communication, nor for any consequence based on or arising from your use of information that may have been illegitimately accessed or altered. The Citi and its affiliates and/or the sender reserve the right to monitor, record, transfer cross border and retain electronic messages
-----Original Message-----
From: sunita giridhar ([protected]@hotmail.com)
Date: Thursday, January 17, 2013 01:03 PM
To: head.[protected]@citi.com (head.[protected]@citi.com)
Subject: RE: Bill payment for my credit card



Dear Lakshmi,
Your statement " Consignee shifted " is wrong . The address available with you is my own house and permanent address.
My not being available in the house when the courier has visited does not imply Consignee has shifted.
My work involves constant travel but I keep visiting Hyderabad regularly.
If I ever I shift, I will intimated my change of address.
My email has Id has not changed. As per your mail, you are to send me my statement in both formats. I have neither received a email bill statement nor a mail verifying with me if I have shifted.
This is clearly a lapse on your side and I am not liable for your failure. Please see my track record of timely bill payments and review the various phone transcripts with me, which you record. I am neither a defaulter nor an absconder.
I will settle my actual bill but I will not pay any penalties or late fees. It is not the amount but in principle I cannot pay for no fault of mine.

If you have no authority to settle this issue, please give me the mobile number and co ordinates the India head of Credit Cards Division, I will take up this matter with him.
Regards
Sunita Giridhar




Date: Wed, 16 Jan 2013 14:22:27 +0530
From: head.[protected]@citi.com
Subject: RE:'Citibank=[protected]' Bill payment for my credit card
To: [protected]@hotmail.com

Dear Ms. Gridhar,


This is with reference to your e-mail dated January 13, 2013.

We wish to submit the following:

* We would like to inform that your Card Account has been registered to receive Statements on both the modes, namely to your Mailing Address and to your email address

Accordingly, we are sending both physical copy and e-statement to the addresses maintained in our records.

However, the physical copy of statements were returned undelivered for the reason "Consignee Shifted".

* For security purpose and to prevent any fraudulent transactions taking place, we have placed your account in a blocked status. Hence the statements for your card account were not generated and sent to you.
* Based on your representation, we have released the blocked and resent the duplicate copy of the Statement for the Month of August 2012 to December 2012 to the Email address and same got delivered.

* We have not received any payment towards the dues in your card for a considerable period of time.

As a consequence, we have closed your card with effect from December 18, 2012.



To date, your card account reflects an outstanding of Rs. 3,868.35.

We request you to effect payment towards this amount.

* As per the terms and conditions, if the payment towards the Total Amount Due does not reach on the Payment Due Date, the system will automatically generate Late Payment Charge and Interest Charges.

In light of the above, we regret our inability to accommodate your request for the reversal of the charge.

Please write to us for any further information / clarification that you may require in this regard.

Sincerely,

Lakshmi S
Head Customer Care - Cards

‘The information contained in this electronic message and any attachments (the "Message") is intended for one or more specific individuals or entities, and may be confidential, proprietary, privileged or otherwise protected by law. If you are not the intended recipient, please notify the sender immediately, delete this Message and do not disclose, distribute, or copy it to any third party or otherwise use this Message. Electronic messages are not secure or error free and can contain viruses or may be delayed, and Citi and its affiliates and/or the sender is not liable for any of these occurrences. Citi and its affiliates and/or the sender have no responsibility for unauthorized access and/or alteration to this communication, nor for any consequence based on or arising from your use of information that may have been illegitimately accessed or altered. The Citi and its affiliates and/or the sender reserve the right to monitor, record, transfer cross border and retain electronic messages'

-----Original Message-----
From: sunita giridhar ([protected]@hotmail.com)
Date: Sunday, January 13, 2013 11:34 AM
To: india.collections.grievance.[protected]@citi.com (india.collections.grievance.[protected]@citi.com)
Subject: Bill payment for my credit card


Dear Sir,
My card no is[protected] 3013.
I was in Hyderabad last month for 2weeks and a Citibank customer service person spoke to me while I was there.
I travel to Sri Lanka and many other places regularly and hence am not easily accessible on the phone.

I had not received any statements from the last 3-4 months on email . The customer service person who contacted me said that if physical statements get returned the email statement also stops. Please note that I travel a lot and hence , make sure I get my email monthly statements. how is it possible to make payments if I do not receive any statements? Finally ,On request , I received my statements but with penalty and late fees . When I spoke to the CSE who had called me , I have explained all this perhaps 3-4 tomes to her, maybe you can check the recording which was done for the improvement of services. I had requested that all late payment fees no penalty be waived off since payment was not made since the statement had not been sent only. I am surprised that I was not ever contacted on mail earlier. Your services are definitely not in order if I am expected to make payment without receiving statements ever......and then when I do receive statements it is with all the penalty ,late fees when the mistake was entirely on your side.
I have never defaulted on my payments in the last many years . My payments are always made online thro a Citibank account.
Kindly send me a single statement immediately without late fees and penalties so I can make the payment immediately.
I am presently in Sri Lanka and am not sure when I will return to India.
Kindly do the needful and please oblige.
Regards
Sunita Giridhar

I had opened an account with City Bank, about 10 months ago. They changed my account type to "Suvidha account" after just 3 months and raised my minimum balance, abruptly without notice they deduct Rs. 250/- each month, if I don't maintain that that balance and they were deducting it, without even informing me. On calling them, they are saying that I've changed the company that I work for and that's the reason.
And now they are Changing it into some other account type, requiring much much higher NRV, and are deducting Rs. 500/-, if it's not met. All this, without any notice.

Hi,

This is to bring to your notice i am being harassed by citi bank credit cards.

Representatives from citi bank are calling my relatives, friends and defaming me that i am not paying the payments.

Telephone no :[protected]

I am under going lot of mental agony for such acts done by the bank and loosing my confidence.

Because of mental pressure if i commit suicide, bank has to be responsible for my death.

Regards

Vishveshwar Rao

I have been registered under the NDNC & NDND list for more than a year now (+91 - [protected]). However I still continue to recieve several unsolicited marketing calls.
This is very cumbersome and agonizing as these disturbances continue with no regard to the law that requires them to not call persons on the list.

I am constantly disturbed, when in meetings or in the midst of other critical activities.

In the last couple of days I have recieved a couple of calls from persons claiming to be calling from Citi Bank.
(1) On the 31-Jan-2013 time (11:59 AM) call initiated from [protected]
(2) On the 01-Feb-2013 time (12:37 PM) call initiated from [protected]

Please do ensure that the erring organization is taken to task in this regard.

Hi all, here is the latest.

Citibank has increased the minimum balance requirement for Suvidha accounts (where you are no longer getting your salaries) to INR 1 Lac rupees... yes 1,00,000.00 !!!!!!

This is with effect from 1st March 2013. If this is not maintaained, you will be charged Rs 500 MONTHLY.

I am already having to maintain this super costly account with a minimum balance of 25k (ridiculous by itself), as I have some investments linked to it.

But now, this is being increased to 1 lac.. that too, by just sending a email information.

The mail states a few puny benefits and states:
"The Citibanking Account starts at a monthly net relationship value (NRV) of 2 lakhs for new clients. A monthly charge of 500 is applicable when the NRV falls below this minimum level. We are pleased to inform you that, as a special gesture, for your long standing relationship, a lower minimum NRV requirement of 1lakh will be applicable for your Citibanking Account.

With this conversion, the benefits of the Citibanking Account, and the revised terms as above will apply to your account, effective 1st March 2013. However, for your convenience, your account number, debit card^, cheque book and PINs will continue unchanged."

I am going to de-link my investments within a week from this account, transfer them elsewhere and permanently stop ANY connections with Citibank. Just can't afford such an account.

There was an online fraud of around Rs 19000 carried out on my Citi credit card. I have filed a police complaint for the same. After multiple emails to India citibank CEO and other concerned, this is what the final executive response is:

"As mentioned in our earlier dated October 19, 2012 we had raised a request with the merchant bank for the documents related to the transaction of “Entropay UK Internet” charged to your card on September 26, 2012. We regret to inform you that the merchant bank has not provided any documents to us.

Since it was a secured transaction authenticated with your Internet Personal Identification Number (IPIN), the bank does not have any further dispute rights for non-fulfillment of the request by the merchant bank"

I am shocked to see the helplessness of citibank - Since merchant is not cooperating, we cannot research this further and since we are helpless, you will have to pay this amount. Why? If citibank cannot research a fraud in their system, why don't the executives own the responsibility of the fraud? Is it citi's culture to wash away hands from a problem?

so what are my options now to deal with the citibank?

I got two messages on 15th of January saying that my credit card charged 500 BRL and 50 BRL(Braizilian Real) around 15000 INR and after that i got a message as your card is temporarily blocked please call our customer center, I called to Citi bank at same time they blocked my card card and told me to send a CDF form so they can provide me a temporary credit till the investigation , they also told me that it was a physical swipe in Brazil however at that time i was in India and my card was with me and also my card never stolen as well .
Now they told me that they are investigating this issue however i don't know what they will do now .
Keeping my fingers crossed...Just Hope CITI bank take action in time and nab the fraudsters.

If not resolved, this would affect me at least financially and mentally for months to come..