This company is fradulent. I received an overdraft fee when i never used the account, the letter said i had 15 days to pay the fee before my account was closed but the account was closed after 5 days *thats FRAUD *** then i called the Customer service line to try to pay it, i was then told to go to the branch to take care of it where i was then told to call the collection agency who told me i shouldnt be contacting them and that i should go to the branch to pay the fee!!! Finally i talked to a manager who did not help.. she has NO clue why my account was closed.. DONT waste your time with Citi bank. I have to pay them for services NEVER USED!!

There have been complaints about Citibank for years and no one has done anything about these crooks. That's all they are, legal loan sharks. After having an account with them for ten years or more out of the blue they raised my interest rate to 34%. I am assuming that sooner or later they do this to everyone that has an account with them. I think if the government did an investigation they would see this. This happened to me six years ago. I borrowed from my 401k to pay them off and wrote them a nasty letter telling them I would never do business with their company in any way again. I haven't and won't. The government is only helping them, not us. Best thing we can do as consumers and hard working American's is get out from under Citibank! Pay your cards off and don't do business with theives such as Citibank!

I made several overpayments of small amounts ranging from $20 to $100 for a few months. My statements never showed a reduction of principal. When I called they said it was because the interest is accumulated daily and from the date I received the notice to the date they received the payment interest had accrued and the overpayment went to that. It didn't make sense the my payments for the month were always the same with ot without an overpayment. It would reason that if I paid interest for the days it took to receive the payment then the next bill should not also include the interest for those days and therefore be less. They are a huge scam! I decided to have a fixed overpayment of $200 added so that I could see each month the principal reduced. It finally worked. However now I want to go back to my original payment and they are giving me the run around. It is automatically withdrawn so now I have to make sure we have enough money until I can finally fix it.

I have also suffered the 29% interest hike, on my personal credit card, rudely enacted by Citibank. I understand the times we are in require desparate measures. I feel their pain - I am in the military and deal, on a daily basis, with the outcries of people opposed to US military actions, worldwide. To that end, I have never used my military status for personal gain, however I feel justified in saying that I sacrifice a lot to defend the freedoms and people of this country so some appreciation would welcomed. As an active duty member who has a great credit rating and having never been late on payments, I am truly outraged that my family and I now have to sacrifice even more to ensure the profit margin of Citibank continues to increase. Is that what my service means to this company? What is truly insulting is that, as a military member, I am bound to use Citibank for business expenses. I wonder how much Citibank is fleecing the US government on interest rates for this program. I believe in the right to make profits as any American, however, when you step on the toes of those who defend your right do do so, then you have crossed an ethical line that will (hopefully) come back to bite you in the rear. I'll be sure to advise all my military friends to avoid Citibank!

I've been a Citibank customer since 1972, when it was First National City Bank. I've been a Citibank Mastercard holder since 1979. I've got both personal and business accounts at Citibank. I hold a Citibank mortgage in good standing. I've had several Citibank loans and lines of credit over the years with no blackmarks. I even worked for Citibank from 1989 to 1993; during its good years, when it put high stock in product quality and customer relations.

As a freelancer, my cash flow depends on my clients' payments to me so my payment history with Citibank has always been irregular. That is, a late payment last month, an over-payment the next, well over the minimum payment due.

Nevertheless, the card rarely carried a balance over half its rather puny $8800 limit. On average, the card carried a balance of $2200+ from month to month.

It's always been this way. Citibank happily took its late fee and extra interest charges without complaint and said nothing about it -- not even a phone call to warn me that my payment was overdue. Until this week.

I received an automated call telling me that my credit line had been cut by 60% to $3300. There was no warning that this would happen.

A call to two Citibank CSR stiffs was pointless. They were as robotic as the Citiphone IVR system. I was told that because I was late with my August payment that my credit limit had been reduced -- despite the fact I paid off $2, 000 on the card three weeks later.

I've probably been late with payments on that card at least 300 times over the past 30 years and Citibank never complained about it before.

This is how the Citibank weasels repay 35 years of customer loyalty? By telling me that I can't be trusted with more that $3300 in credit card debt, despite the fact that I also carry a quarter-million mortgage with Citibank with zero late payments?

This is pathetic.

Frankly, the only thing that separates one bank from another is customer service. Citibank's customer service took a nose dive when it lost John Reed and Larry Weiss.

I use the credit card for business and without a worthwhile balance on it, it's got little value to me. Which means that Citibank has little value to me. I might as well close my Citibank accounts and move them to my credit union, which gives my a higher limit and where I at least get free ATMs.