Citibank Reviews 1,082

If I could leave zero stars, I would. I have multiple accounts with Citibank, and my experience with their customer service and issue resolution has been consistently unacceptable.

I’ve encountered several problems over time, including issues with their ACH transfer processes. Most recently, I’ve been unable to transfer money between my own business and personal accounts.
I spent over two hours on the phone speaking with multiple customer service representatives, and the issue still remains unresolved. This level of inefficiency and lack of support is incredibly disappointing.

Have had this card for 20+ years! The Jan. payment was late for a hefty fee, we blame the mail, or mail room, Feb I paid thru the phone,as I checked 3 days before the due date....not paid! Mar had a washed check that was deposited 2x! Had to close checking account, then Citi calls and said fraudulent charges, close the credit card acct. wait for new card...what a mess. AND, strange that 3 of my neighbors also got washed checks...I would say thieves are running the place.

I had a legitimate dispute with a merchant and supporting documentation ready. Citibank did not at any point request that I provide any information, resolved the dispute in favor of the merchant, and upon raising this complaint to their customer service team, they refused to reopen the dispute and stated that the window of time to resolve the dispute was closed. Not only will that merchant never see a single penny from me again, but I’m now considering closing all of my accounts with Citibank out of principle.

I just opened a new credit card account with Citibank. I set up the mobile app and used their prompts within the app to connect the card to my bank account for payment purposes. I then went in on the app to set up auto pay and noticed that the last 4 digits of the connected bank account were NOT the last 4 of my bank account. Tried calling and could not get a real person. Currently using the chat and the first agent kept me for 20 minutes and helped NOT AT ALL. The 2nd representative kept telling me he needed a "moment" to review the chat. For the next 15 minutes, he did not communicate with me and I kept receiving prompts to type a comment to "keep the conversation open." I finally typed that I was going to end the chat and try calling again. He never responded. I tried calling after that and did finally reach a human being. Though I had a very difficult time understanding her, she was able to help me...I think. Time will tell, I guess. Feeling very frustrated and somewhat anxious about dealing with a company that somehow connected my credit card to an unknown bank account and then when I get in touch about something so serious, I am then transferred around for 45 minutes with no resolution and people who seem to have zero idea how it could have happened or what to do about it.

They hold on my money from December of 2025 and now is March 31, 2026 and I call twice a month and I still can't get my money back.
Customer service representative are rude and doesn't help.

I guess my review is Moot. They charged me a bounced check fee because their system failed to retrieve my payment from my bank. My bank says there is no record of an attempt to retrieve the payment. Citibank is just trying to steal money from people and since they are so big, there isn't much we can do about it.

Citibank is the worse place to get a card or a loan. Do NOT do business with them. They will charge you interest months later after you pay off your account. Paid it, closed it and out of no where I get an email saying I owe another interest payment. A month later and its late! No bill in the mail, nothing. So a heated conversation again with someone who you can barley understand claims my account is now paid in full. We'll see. I have a feeling I'll need to contact the BBB. Not happy with anything they have said or done as nothing has been true. If the account was paid in full last time and I closed the account why did I get charged agaian?!? Citibanks are crooks and liars. So I would highly suggest not to do any business with them unless you like getting screwed.

Trustpilot is usually a reliable place to get a sense of how a company really operates, so it’s no surprise to me that Citibank has such low ratings.
One of the biggest issues is simply trying to reach a real person, it’s extremely difficult, and even when you do, communication can be a challenge. Here’s what happened in my case:
I applied for a credit card specifically to complete a balance transfer, as I’m currently between jobs and was drawn in by Citibank’s 21-month interest-free offer. After finally receiving the card, I attempted to transfer $10,044.00. My credit limit was $15,400.00, so this should not have been an issue.
However, when I submitted the transfer online, it was rejected with a message saying I needed to call because the account was new. When I called, the representative informed me that I was only authorized to transfer approximately $4,000. I made it very clear that if I had known that limitation beforehand, I never would have opened the account. I then explicitly told them to cancel the transaction entirely, as I would instead use a card from Chase Bank.
About a week later, I discovered that my Chase card had a negative balance of $9,990.00. After investigating, I found that Citibank had gone ahead and processed the transfer anyway, despite my clear instructions to cancel it.
As a result, I’m now facing roughly $1,000.00 in costs to fix this situation. I fully intend to pursue this matter as far as necessary. If their calls are recorded, it should be clear that I explicitly requested the transaction be canceled.

I would give negative stars if I could. . . Worst customer service EVER!!!!!! I reported my card missing four different times in February. I spent countless hours on the phone with them. I RECORDED the conversations because they were so inept. They allowed the thief to charge $6000 in charges on my card in Chicago. All charges were disputed, now their automated system is saying that I am responsible. NOPE CITI - you are responsible, and anyone working with Citi - just don't. If anything happens, you will spend months trying to fix it. They should be paying me a salary at this point.

New account - called because they put it on hold for verification, and they keep asking for "another number" to send a code to. Who has multiple phones to send MFA codes to?

Their fraud dept is a joke.

Absolutely the worst ever customer service for credit cards. All offshore, and the agents aaparently respond to calls for various companies and have no specific knowledge about Citi credit cards. All they do is look up things on their computer. They have difficulty understanding what you're asking, ignore any attempt to clarify, and just keep repeating the same irrelevant information over and over. There seems to be no way to elevate a question, or get to a more knowledgeable person or someone who is actually at Citibank.

Remove Anthony Aranjo he is leaking customer data and stealing credit card details. It’s a very serious matter, Operation manager are also included in this. Rohan is culprit and they are gang.

This company makes the convenience of using a credit card a trip to hell and I’m done they can shove their card where the sun don’t shine, and if you don’t know that’s your stinking behind.

Worst bank with an impossible customer service network that keeps you in their voice prompts system that you can almost never get a live rep.

So I signed up for a $750 banking bonus program that you need to deposit $30,000 in a checking account for about 90 days of new funds to Citi and must do it online. So I followed the rules from the website and signed up and transferred the funds same day of opening. About 2 weeks later I get an email that I need to make 2 ACH deposits totaling $3,000 to be eligible for the $325 bonus, which I saw this bonus but not one I signed up for since I deposited $30k which the other program didn't require. I spent almost 3 days trying to speak to someone from Custer service and never got a live person. Finally drove to a branch office and rep says she has no way to find out what happened. I ask if I can close my account and she says I will have to pay a monthly service fee since acct wasn't open long enough. I wrote complaint to CFPB so they sent in my complaint to Citibank and today I received an email letter from Citibank stating I chose the bonus program online and nothing they can do to change it even though it clearly shows I made the over $30,000 deposit. Total scam and if I pull my funds it will cost me money instead of earning what I thought was a simple bonus.

2 years ago I closed my account with Citibank credit card because they shamelessly stole money from my account. I asked them to show the proof that I used my credit card where they say I did. They ignored my requests.
I wrote them letters, called may times. Finally closed this account and thought that I am done with this dispicable thieves.
No, they keep sending me letters saying that they owe me 50 cents.
No amount of calls, letters can p[ossible make them stop.
People, stay away from this dirt. You'll never be able to wash it off

I have been dealing with 4 disputes through American Airlines and Citibank. AA has processed all of the disputes and refunded the monies on February 23rd. It is now 3/18 and Citi still says they are waiting to hear back from the merchant. I have sent correspondence from the airline with reference numbers from their accounting department to Citi and they continue to hold the funds. American Airlines please switch banks!!! Costco please switch banks!!!!

This is probably the worst financial institute you can deal with in the United States. Especially their Credit card system is so bad I would not deal with this bank ever.

Absolutely the worst customer service experience I have ever had with Citibank. I attempted to make a simple $30 purchase with my credit card and was asked to call in to verify my identity. When I called customer service, I was told that I had failed the verification process, even though I provided all of my correct personal information.

The representative repeatedly insisted that my answers were wrong, which makes absolutely no sense when I was giving them my own, accurate information. I asked if there was any other way to verify my identity, especially since we are leaving to travel in three days, and this card was opened specifically for that purpose.

I was transferred to a supervisor named Adam, who was completely unhelpful. He repeatedly told me that the only way to verify my identity was to wait for a letter in the mail. I explained multiple times that this would not work because we are traveling in three days, but he simply kept repeating the same script.

It is beyond frustrating that a bank can tell you that you are not who you say you are, even when you are providing correct information, and then offer no alternative solution. Opening a credit card for travel that you cannot actually use before traveling is completely pointless.

Extremely disappointed with Citibank’s lack of flexibility, problem-solving, and customer care.

Absolutely the worst customer service experience I have ever had with Citibank. I attempted to make a simple $30 purchase with my credit card and was asked to call in to verify my identity. When I called customer service, I was told that I had failed the verification process, even though I provided all of my correct personal information.

The representative repeatedly insisted that my answers were wrong, which makes absolutely no sense when I was giving them my own, accurate information. I asked if there was any other way to verify my identity, especially since we are leaving to travel in three days, and this card was opened specifically for that purpose.

I was transferred to a supervisor named Adam, who was completely unhelpful. He repeatedly told me that the only way to verify my identity was to wait for a letter in the mail. I explained multiple times that this would not work because we are traveling in three days, but he simply kept repeating the same script.

It is beyond frustrating that a bank can tell you that you are not who you say you are, even when you are providing correct information, and then offer no alternative solution. Opening a credit card for travel that you cannot actually use before traveling is completely pointless.

Extremely disappointed with Citibank’s lack of flexibility, problem-solving, and customer care.

I was defrauded by a taxi driver in Buenos Aires - who charged my taxi ride on each of two different credit cards. I disputed the charge on my Citi card, uploading all relevant documentation. I then received an email from Citi's dispute resolution team, requesting that I upload the information a second time. Within a few days of uploading the data a second time, I received a response that stated the charge was mine. No explanation at all. Just, "case closed" without any details.
Going forward I will do everything I can to avoid using my Citi credit card.