Citibank raised my rate fro 8.2% to 13.99 on my AT&T Universal card. After 3 days of phone calls A supervisor said that they were randomly selecting people to raise the rates because of their losses in the sub-prime mortgage collapse and because of the poor economy. I have had this card for 18 years.

Needless to say I froze the card at the low rate until it is paid off and the card is canceled as of the expiration date on the card.

I was solicited for a Citibank American Airlines credit card with an annual fee with an incentive of a Companion Travel Certificate and a $50 off Travel Certificate. Both certificates were delivered but when you try to use the Companion Certificate (fulfilling all guidelines listed) the computer prompts with words to the effect that 'this certificate cannot be used in this case'. The certificates can be used only via internet and there is no support phone number given or available, according to Citibank Customer Service.

American Airlines Customer Service personnel cannot assist without 'a different code on the certificate allowing them to offer phone assistance.' They want a code with a 'star file' in order to assist with any reservation. Citibank customer service had no idea what I was talking about when I tried to explain that I needed assistance to use the certificates issued. Or when they did seem to understand what Certificate I was talking about I was told that the department that handles those cannot be contacted by them, has no phone number and they couldn't assist with the problem.

It was very frustrating trying to use the worthless certificate for a trip promised to my son after his 9th surgery. I finally gave up and booked a trip on other airlines at financial hardship and will cancel the credit card prior to the annual fee cycle coming up.

This to me is 'false advertising' and definitely a Ripoff.

Hi Team,

I am Sudhin from Indiranagar..Today my friend got a call from CITIBANK PERSONAL LOAN DEPT(INDIRANAGAR) from an EXE Bharath who informed my friend that they are giving loan with 0% interest. He was surprised and did check again with EXE. The EXE reconfirmed saying it is 0% interest. So my friend gave his details and referred my name and number to the EXE. After 10mins I received a call from SARAVANA another EXE who called and conveyed the same. He took my details(Personal, Bank & Professional) and told me I am eligible for loan up to 3lacs and my rate of Interest would be 18%. I did ask him then why did you tell that it is 0%. The EXE immediately transferred my call to his supervisor POOJA. She took over the call and started the conversation with me. When I told her that the EXE did give me a different picture she replied saying “Sir the EXE would have given a wrong picture to attract customers”. This would clearly state that the Bank is aware of the conning what the EXE do to get leads. I am not sure how many customers are in the same trap by the same agents. I would appreciate if someone can take necessary action on this and stop conning customers.

Thanks in advance
Sudhin

On 12/1/06 all my accounts were drained of funds. The Banch Manager told me to call customer service to file a report. Report process took longer than allowed by citibank they will not review any of the problems I address because their system 'only will go back 60 days'. 60 day dispute period is unreasonable as instructions and requirements are almost impossible to comply with. Filing a dispute was a mute point by the time I was able to meet with a branch manager or until I was able to obtain correct information by a telephonic customer service representative.

When I discovered that my three accounts were drained of all funds, I immediately went to a manager. I was informed, I was responsible for finding the missing monies. Once I 'found' my money, they would review the information and get back to me not sooner than 90 days. A 60 day limit was imposed to obtain the information. Only the bank has authority to review it's records as it is confidential information. No crisis resolution department was available to assist me. Over $20k were missing and never returned to me as there was no investigation.

I requested a review of my entire banking history, at a charge of $2.00 a statement. (Several bank personnel, in the branch and customer service recommended the shredding of all statements to prevent ID theft; the information was to be accessible online or through the branch. I was not informed of the $2 fee assessable to each statement.) I did ask for 10 years of statements from all of my accounts. Months later, I was informed that MY SIGNATURE CARD AND 6 1/2 YEARS OF BANKING INFORMATION WAS LOST.

The available statements revealed a pattern of thousands of dollars over the course of the years that were deducted from my accounts 'erroneously'. There were two $150.00 charges for two bounced checks that I never wrote, nor did the checks exist. When paying bills on line, dozens of times the money was debited from my account and not given to the debtor. Resulting in late charges and the amount I specified to pay was debited from my account twice. The problem lied in the 5 second limit to input information into the online banking process.

Demographic information on my account was changed several times. I did not receive statements for three month periods and when I did begin to receive statements I found several thousand dollars missing again. All the demographics were changed on personal accounts---statements addressed to my spouse, and we were and are currently involved in divorce proceedings. The manager of the branch told me that they don't check ID to change an address and it can be done at the branch or on the phone. At this time-----they had no signature card to compare a signature with as it was lost when they moved my files, and they went to another country. I have been unable to have any of these issues resolved as the 60 days had already passed.

To date I have been unable to find any recourse. I worked on this diligently for several months because Identity theft ensued at the same time involving all my creditors, virtually anything involving my money and credit. I spent hours a day for months. Subsequently all my affairs required crisis resolution, I became very ill and have been for over a year.

On Dec, 29th of 2007, I went to my bank; because I felt that my home CPU was being compromised for my online banking and I forgot my ATM password. I request for a New Password and for a New PIN. The Rep. by the name of Kathy told me that she could not do it there but I could do it online. I questioned her and we looked it up in the help F&Q. As we all know they have CPUs at the desk, and for your information I am a disabled person, who has trouble with my memory sometimes, so I like to have someone walk me through things. She stated that she did not know how, but she was the Assisting Supervisor. She then offer to have a more experience person by the name of Javior, who I know because this is my main bank. He said that he did not know how, so I just had to get a New PIN for my ATM. As he was filling out the papers for the New PIN, he asked me for two IDs, as I was taking all of the stuff out of my Wallet, he reaches for my Medical ID along with my State and ATM card, I ask him why did he have to see my Medical since I have been a member for over 5 years, his answer was; because that is how he does things. After that day I did not return until January 7th of this year.

As I was leaving the bank the Branch Manager stopped me and wanted to talk to me, because she heard that 2 of her employees did not like how I treated them. I told her that I did not want to talk to her and if I wanted to complain about something I know who to complain to. (in March or April of the 2007, I asked the same Manager and others at this same bank, "Do they know how I could get information about my TRW". not a soul knew what I was talking about and when I explained that it was about credit report, they still did not know what I was talking about.

On January 9th of 2008 I get a letter stating that they will be closing out my account, and they did not even state a reason why, I called up the help line of the bank and put in a complaint, to this day I have not gotten a reply.

In closing, the problem is not with Citibank, it is with the Office of the Comptroller of Currency; which is a partnership agency of the Federal Trade Commission.

If anyone wants to join with me and others to fight this monster who does not care about the average people PLEASE, PLEASE UNITE with me!