I have had a Citi Master Card since last year. I used it only once in January, 2008. In June, there was an unauthorized charge of 69.99 posted on my account. I called Citi to find out what I had to do about that unauthorized charge. They said I had to call next day to talk to the billing department. Next day I called, a customer service rep told me she could take care of it for me without involving a billing dept. She said it was all taken care of.

In August I logged into my account online and saw the same charge posted on there. I called again, and was told that they would mail me dispute papers to sign. They did, I signed them and mailed them back in. In couple of weeks after that I saw a credit posted to my account for that charge. So it indeed looked like it was all taken care off. I logged in today again and see the same charge on there again!! I called them (it was the 5th time!), first I was told I had no balance and there was nothing for me to worry about. After 15 minutes of me trying to persuade the CSR that I do see a balance on there, she admit it was there and placed me on hold, and then again, and again. Finally a billing specialist got on the phone. She started telling me that they never received dispute documents from me. I told her that I did mail them and that after that I did receive a credit. She said she was going to mail me another set of papers to sign and that I would get them in about a week. After I told her that I was unaware of this "no docs" problem and that every time I called I was told everything was fine she said she was sorry and hung up!

never in my life have i experienced worst service over the past 8 months then with Citibank dubai.

i am a vice president of a company. my company credit card and personal credit card were cancelled by citibank with a text notification the day before saying it had been compromised. i was in india as i travel alot and tried to pay muy hotel bill but couldnt. i then called citibank spoke to 8 people asked for a manager to phone me back but nothing. they would not and refused to tell me what transaction they think was fraudulent and would not send me formal notification so i could provide my finance department.

My debit card recently got cancelled also due to fraud. one text message was sent to my old mobile number. i have proof that weeks before i had changed my mobile number with the whole of citibank. to try get it activated i spoke to 9 people they reissued the card, i was told that i was not allowed to speak to a supervisor or manager and was spoken to very badly the customer agent told me they were trained to not say sorry to any customer or apologise to anyone . i took time off work and drove
30 minutes to the branch to collect my card. i was sent to 4 different divisions before iwas able to retrieve it.

then to activate my card i needed to log onto internet banking. the same line has been there for two days " we are experiencing temporary delays please try again later " i tried to call their customer care department to try and help - i waited 3 times longer then 10 minutes for the citigold supposed 24 hour helpline to pick up and then and i quote "11 minutes" for lost or stolen card ( i thought at least they would answer) but no one has picked up yet.
to date i cannot access my money in my account due to inactivation of my debit card. i had to borrow money to pay petrol and taxis.


i am appauled - i am cancelling everything with citibank and suggest you do the same.
just for your information i consult in the development of credit bureaus globally in emerging markets. i deal on a daily basis with all banks to assist them in reengineering their processes to become more effective and share data and to date this is the worst bank i have encountered.
i hope that at least someone from citibank can contact me to at the very least assist in activating my card.

The Citibank experience is not worth it, believe me!!! My mother saw a promotion from Citibank that offered a $150 Gift Card for opening accounts at Citibank. For us, this promotion was just horrible and a stressful experience! When a company makes you go through hoops just to qualify for a promotion it is simply not worth all the stress!! What happened was my mother is at the point in her life that she doesn�t feel comfortable driving anymore, so, I offered to take her to Citibank, so she could qualify for the $150 gift card promotion, but, I didn�t realize that it was the last day for her to qualify for the gift-card. When I found out I left work early so I could pick her up and drive her to the nearest Citibank branch. By the time I picked her up and she was in the car there was just enough time to get her to the local Citibank branch just before closing. To assure we would be on time, I asked my mother to use my cell phone to call the local Citibank branch and verify that we have the correct street address and ask for some basic directions to the branch location. When she called Citibank, it was ridiculous! She was put through a huge barrage of computerized voice menus and sub-menus, that said �press or say, #1-0� etc. for this, that, or the other. She eventually finds her way through a labyrinth of menus and eventually presses the right combination of buttons and eventually gets a live person on the phone, but then, it seems that she�s having difficulty communicating with the connected Citibank representative, I thought it was because of the car, or the noise of driving, so I pulled off the road so she could hold a conversation. Then she utters �this is someone from India� and I could tell my mother was having a lot of difficulty understanding the foreign Citibank representative. Oh My God, this is absurd; I was thinking, it seems this person is not going to be of any help to us at all!! The representative was defiantly not local, not by a long shot! Can you imagine, you�re on the road with only about half an hour to get to your local Citibank branch before it closes on the last day to take advantage of a promotion and so you attempt to call just to get your bearings and your call is then routed to someone who isn�t even in the same country, or even the same continent for that matter! Furthermore, if I worked for Citibank and someone from India called me in the United States just to ask me a question about their local Citibank branch in India, I wouldn�t blame them if they where upset also, especially if I couldn�t help them, or they couldn�t understand me. Anyway, I just thought mom could call the local branch and ask someone for simple directions and verify the street address, was I wrong!!! We didnt get any useful help from the foreign Citibank representative on the phone, so, by the time we got to the Citibank branch it had just closed by about a couple of minutes or so. I felt so bad for mom I offered to give her the $150 out of pocket, but she refused, because shes always encouraging me to save my money. This whole miserable experience was so upsetting due to the outsourced customer service from Citibank I told her that I would be willing to pick her up next week and drive her to a local branch and she could close any accounts she had with Citibank, hopefully she can find a bank that will let her talk to a person from her local branch..

I applied for a promotional Skywards credit card with Wajid from sales who came to my office to sign application on the 10th June. I informed Wajid that i will be travelling internationally on the 25th June and would like the card to Accrue miles as i would be spending a fair amount. For 5 days before i travelled Wajid would not answer my calls or reply to text messages i sent him. On return to Dubai on the tenth July i followed up with Wajid and have had no feedback. I called the customer service line on 04 311 4000 and have spoken to 5 people, One of which promised me the card will be dellivered to me in 3days which was 5 days ago. Yesterday i called and was promised a call back within two hours which i am still waiting for. A credit card number has been allocatted to me but I cannot get the card???
I will be travelling again next week and am pretty sure i will be disappointed again! The promotion seemed like a good idea for accrueing skywards miles but is pretty pointless if i cant actually use it. I have documented all calls and persons spoken to!

In Sept 2006, Citibank sent me a 'lifetime free credit card'. Since I was already using ICICI credit card without any problem, I never felt the need to use my Citibank credit card and it was just lying around in my house.

Till, one day in early 2007, I got Rs. 1500/- worth westside gift voucher from Citibank and a letter telling me that it would be charged on my credit card! Why? What?! I called up Citibank immediately and told them that I have not ordered this and told them to take it back. They told me that I've to courier it back to them and they are not responsible for any loss in courier. On hearing that, I told them to close my credit card since I anyway have no use for it and take back the westside coupon they have forcefully sent to me and charged me for. Repeated calls to them were of no avail.

After a month, they send me the bill with 1500 charged. I called them up again 'n repeated the same thing. They started saying that to close the card, I need to pay 1500. Why?! Now, after one year, they have leaved some huge interest rate on this amount and I get monthly calls informing me to pay the bill and I need to repeat this entire story on the phone to which their irritating customer care ppl. Keep repeating "yes madam, we understand madam, but U have to pay the basic amount to close the card, madam". What the ***!! I did not ask for some stupid coupon and I am not paying for something that Citibank has thrust on me.

I have an amazing credit history with other banks and I really fail to understand why Citibank is going all the way to spoil customer experience! If Citibank had been my first ever credit card, I would dread to use any credit card for life.