Citibank Reviews 

Citibank has to be the worst banking institution in the US. My (now diseased) mother's boyfriend opened an account fraudulently in my name as well as with other banking institutions while I was deployed overseas in the Marines. Every other banking institution closed the accounts and removed them from my credit report as soon as I alerted them. But not Citibank. No matter what proof I throw at them and how many reports I make they say the accounts are verified because the criminal that opened the account added himself as an authorized user. They ended up closing the accounts finally but now they are harassing me to pay the balance from an account that was never mine and destroying my credit. I would stay as far away from these people as possible as if they care so little about the people that put their lives on the line to fight for our country I doubt they care about any of their customers. I will never do business with this lowlife scam company that cares more about getting every penny than the well being of their customers. Absolutely atrocious and shamefull.

My 86 year old mother has a citi bank rewards card. She received a statement that she owed $78 and change and her bill was due on 2/23/26 . The statement read that she acquired a $29 late fee. Citi bank then started calling her leaving her messages about her bill. They harassed her into paying a bill ( that no where said $29 was due asap) They called about a late bill on 2/20/26 and the statement read it was due by the 23rd. So I called them. First they want your SS no# or the very long account no# before they will talk to you. Incredibly hard for me even to read off those no#s. Plus they out sourced their customer service to another country!

Citi bank refuses to allow me to dispute fraudulent charges amounting to $3000. It’s criminal how a bank can do this.

Such a pain to set up a Costco citi credit card.
1. Mailed a physical letter that required me to go to their website. Why didn't they just send an email?
2. Can't add card to Apple Wallet without talking to a support agent who then says she needs to mail you something to complete verification.

Crazy inefficient.

Absolutely terrible customer service. I had a Citibank representative sign me up for a bonus offer, met all the terms of the bonus offer, was told multiple times along the way that I met the terms and would receive my bonus by X date, only to have Citibank tell me via letter after that I actually didn’t qualify to begin with. My sign up happened on a recorded line and they still wouldn’t offer to honor the bonus.

This credit card decreases your credit limit periodically and with no warning. So, you will have a large payment during to get back to being within your credit limit. Never use it for travel. I got stuck out of the country with the costo citi credit card so I wouldn't be using cash. They decreased my l8mit while I was on vacation.

I am 65 yrs old and had never written a review u til I had to start dealing with Citi Bank credit card. They bought out Barclay card aa airline CC. To keep my points and keep
Building them I had no choice but to go with Citi. It has been a horrible 3 week process. At first I thought they were criminal. Now I just believe they are totally incompetent. I finally got my card and have made 5 purchases. Yesterday I changed mobile phone service companies. Today I attempted to place my new credit card in my mobile wallet. After 2 hours and 3 different people I was told my credit card would not be usable until i received a letter, called the number on the letter and proved my identity. My user name, password word, answer to a security question were not suffice. 7-10 days to receive this letter. Who knows what will happen then. If I ever receive the letter.

I would give them 0 stars if possible. We spend $6K-$8K a month on our credit card. Our cards are set to expire in May. I tried to login to the Citibank website since I got my online statement via email, so I could verify the $6,800 worth of charges before paying and when I used my username and password that I use monthly to verify my statements it didn't work. So I tried to reset my password providing all of the security words and identification required but it didn't work. So then I called and got a pleasant person in a ex-US call center who was nice but said that since my card is expiring in 3 months, and they sent us a new card 2 days ago, that they will not allow me to reset my password. MY CARD IS EXPIRING IN 3 MONTHS! YOU JUST SENT ME THE CARD 2 DAYS AGO!! THE MAIL TAKES LONGER THAN THAT!!! And we are working snowbirds so we are at our other home for the next couple of months, and our mails is being forwarded, which takes longer. WHICH IS WHY I HAVE ACCESS TO MY ACCOUNT ONLINE SO I CAN CHECK THE CHARGES MONTHLY BEFORE PAYING THEM. I then asked to be transferred to a manager. The rep came back and said that the manager will not be able to tell me or do anything different so do I still want to talk to him. WOW! I was a call center manager for year and never would have told my rep to say that! I told him yes to speaking to his manager and got a person who said to me something like..."Yes, this policy does not make sense but it is POLICY so nothing anyone can do about it." They offered to go through each line item verbally over the phone with me. Ridiculous! I need it in writing to review and for records before blindly approving the charges. Then I said this made no sense. The manager was dismissive and abrupt and useless. If this is how Citibank wants to operate, I will cancel our cards and make it my hobby to post this review everywhere I can since somebody had to take accountability for expecting payment from us for a bill we can't view because my card is expiring in 3 months. STOP THE MADNESS!

We paid off our account and called to close it but, the next month we received another bill for $23 for interest charges owed when I called we were told that charges will continue for 3+months...I had my husband get on phone he is main holder and gave permission for them to speak with me & close account after the lady removed as a courtesy the false charges then cancel card. One again next month same thing $22 interest Plus past due amount, call had to get angry then they said removing charges but need main holder to call & cancel card.
Again....this company.is filled with liars
And thieves...not 1 honest word comes from them. Don't do it use Chase

Citibank is terrible. Their customer service is terrible. It is either robots or humans that keep saying the same thing over and over again. I was charged something and the merchant was supposed to credit my account. After contacting the merchant several times, I gave up on them and called to dispute the charge. Citibank said they couldn't dispute the charge and that I needed to contact the merchant. I explained this loop to their customer care and what did they say... you need to contact the merchant! It is a joke, they are a joke. I have found better banks and I know you can too.

I have had my citi credit card for 12 1/2 years. I make a $6,800.00 payment and pay off my credit card. A few days later they drop my credit limit almost $7,000.00. I have never had a late payment. Thanks for screwing me over for no good reason. I call in and no one can give me a reason why they did it. This is the 2nd credit card I have had with Citi that they have done this to me. Never will use any of their products again.

Citi bank its by far the worst bank ever they decided to block close my account without telling me why .. I ask a thousand times they dont not even in the letter i have all my money in the account they dont want to give it to me mind you thats my ssi money the way I pay bills . Now I have no money because of them... because of this situation im getting anxiety my asthma etc.. so I give a -00000000000 to citi bank

My daughters citi bank credit card has been decreased twice with no good reason why. Always made payments on time and never late but still got my available credit decrease. Stay away from this credit card they suck and are very unhelpful.

Update all account details ✨
bank name
Citibank
Local transfer
Bank Address
1 North wall Quay international financial Services centre
(IFSC)Dublin 1.Ireland
IBAN
IE79CITI99005170381273
BIC
CITIIE2X
beneficiary name
DELAPEDRA BUILDERS

A cash withdrawl was Made on dec.2025 from My saving account. The office of Jane Fraser answered that it was Made using My debit card. I do not live in the usa and have not visit usa since 2017 and i have My debit card with me. How is it posible?

They are the worst bank ever. Worst customer service. All they do is transfer you to another representative and keep you on hold.. Unethical and unprofessional and they do not follow regulations.

Do not use Citibank. They are horrible when it comes to resolving disputes and absolutely do not have your back.
You swipe one of their cards, and the merchant decides to screw you over, you cannot trust Citibank to get your money back.

Made a payment, we already pay off the card in full every month. They decided that they would not process the payment for 10 days, started declining charges, so I called as we were in vacation. Now on the app it said my payment was processed, my bank had it as processed and the funds were gone from my bank account like it has been processed 10 days ago. The first customer service rep could not tell me what the problem was. Kept me on hold for around twenty minutes before I asked for a second supervisory customer service rep to help me. She kept me on hold another 15-20 min and told me I had to go through a long process that finally ended up with me calling my bank to verify that indeed the payment was processed BY CITIBANK 10 days earlier. The two would not tell me why the charges were being declined, they would not admit that it was their internal error, they didn't even apologize for their mistake. All they would say that they were sorry "I was frustrated" in a most condescending tone. Their customer service is not customer centric and in no way could qualify as a service, so i'm not sure why i would even refer to it that way. Needless to say, I'm closing this account and won't do business with them again. Since it's a Costco Visa will also complain to them, wish one could rate a zero.

Horrible customer service and unlawful practices to include “Redlining” based on my ethic background. They closed my credit card account for no reason. My advice is to not walk away from this credit card company, RUN! I plan to pay off the balance and never refer them to anyone in the future.

By far the worst bank for customers. They're so clueless. I called about a concern that I haven't received my card as yet and I was told that it is still on the way even though it has been more than 14 days. They could not issue a new card. For a card that was never activated, there was charges being made on it. Unbelievable their customer service is horrible. Avoid this bank for your own protection.