They advertised that they would fund $150.00 into my checking account if I would open and fund an internet checking account with at least $2000.00 and pay two bills using their bill paying service.

I funded the account on April 29, and have paid numerous bills via the internet using my Citibank online checking account.

I am still waiting for my $150.00.

Due to pay off the amount owed, I closed the account. I received a call from the collection department with an offer that if I paid a higher monthly amount with automatic withdrawal, they would drop the interest rate to 7.5%. In the next months I did contact the bank to advise them that I had closed the bank account and that I like to provide an alternate bank account which they had failed to note in the system.

Consequently the withdrawal turned out to be "account closed". The deal was off and, in the meantime, they raised the monthly interest rate to 31% and nor matter what I do, the monthly payment is only $25.00 toward the payoff and $575.00 toward the interests.

They held onto the payment for over two weeks before posting it to my account, sending me a late notice and collecting more interest.

The Research Department either didn't fully read my complaint or lost the proof of payment that I faxed.

Citibank statement -- online payments generate no checks, so they sent me a form letter that does not apply asking me to contact Bonita Kenney of the Research Services Department.

After having left Bonita Kenney five phone messages over three days, I got zero phone calls back. Although she logged into the Citibank computer that she did call me once. She did not, as my cell phone and home phone logs all incoming calls and no messages were left.

Of course, the Research Department has no managers (I asked), no names of supervisors, and just forwards you to another voice mail box.

We Await Your Payment In Your Next Email.


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CitiBank London Plc
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show details Feb 14 (1 day ago)


Promenade Level,
Cabot Place East,
Canary Wharf, London,
E14 4QS United Kingdom.

===========================
Direct Tel: +44 701 003 8708
Direct Fax: +44 707 505 5880
===========================

Dear Dear Funds Beneficiary,

Acknowledgment Information Required

You are welcome to CitiBank London Plc. The payment Bank for British America Tobacco Company, we are pleased to be at your service. We are Regulated and Stipulated by the Financial Service Authority (FSA), the financial institutions that govern all financial activities in the United Kingdom.

This office is in receipt of your email and the content enclosed was well noted, For prompt dispatch of your ATM today via DHL, you are advice to locate the nearest Western Union Money Transfer agent and effect the payment for the delivery fee to our account officer with the details given below in the email.

Below here is our accountant information where payment should be made to

RECEIVER'S NAME: Mr. Anderson Joseph Maxwell
RECEIVER'S ADDRESS: Promenade Level, Cabot Place East, Canary Wharf, London, E14 4QS United Kingdom.
AMOUNT TO SEND: £270 POUNDS STERLING

After you have made the payment, You are required to send to us a scanned copy of your western union customer payment slip/receipt to enable our account officer confirm your payment. Also You Can Send The Following Information via Email as they appear on the Payment Slip:

1. Name and address of sender
2. Amount sent
3. Money Transfer Control Number#
4. Country from which payment was made
5. Test question and answer if any

You are to act fast in effecting the payment to enable this office commerce with the DELIVERY and as soon as the payment has been effected to this office, you are expected to send us your full Address details if any changes from the previous to enable us deliver.

Find in attachment a passport copy of our account officer that you are making the payment to.

We Await Your Payment In Your Next Email.

Your urgent reply will be most welcome.

We look forward to serving you better

Best Regards,

Mr. Kevin Kessinger.
Chief Operation Officer.
For: Citi Bank
Copyright © 2011. All rights reserved.

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The information contained in this message is confidential and/or privileged. This message is intended to be read only by the person named above.The unauthorized use, disclosure, copying or alteration of this message is strictly prohibited. If you are not the addressee, (or responsible for delivery of the message to the addressee), please notify the originator by return message and destroy the original message.
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A while back last year, I thought of starting my own ebay business and bought some hair irons from China, not realizing they are fake. I bought these with citibank and Chase credit card. To my horror, the brand name owner found out, try to sue me and threatened me to pay up everything I made including the cost of buying the items. I had to no choice but to pay up everything.

So I decided to dispute the charge for the fake materials that I purchased with both citi and Chase credit card at least to get my money back even if I am not making profit. Chase handled it very professionally and got it done so easy! I sent the proof paperwork and I got my money back from Chinese counterfeiters within a month. Citi bank put me through a long painful process. They lost the proof paperwork that I sent. When I called, different staff said different things of how to submit this damn freaking paperwork. Even when I talked to the so-called supervisor, he said another thing a completely different thing from other staffs. At the end, I don't even know who to believe anymore. So I tried my best to get the paperwork through. After several conversations and yelling and frustrations, they finally got my paperwork. They gave me temporary credit back. I thought the deal is over at that time.

After one month, I got another letter from them saying they actually reverse the charge back. After all that painful and unprofessional process they got me through, they won't even stand from my side. No wonder the bank is going down. The way they do their business and their culture of work is just plain wrong. They will totally be in deep hell hole if it's not for government's bailout with tax payer money. F**k Citi.