Citibank Reviews 1,072

Almost impossible to log in online. Archaic tech programming separates home phone line and mobile phone line when only 29% of people have landlines, and if you put home phone line as mobile phone line, you cannot log in. Then when I contacted customer service and said the same thing I said above, she got mad and said she would end the call if I did not tone down the complaint. Absolutely insane. I will wait the 72 hours she said I would have to wait to be able to log in to my OWN account after switching to mobile phone number, and if there is the slightest problem, the Citibank can slide back into the slime they existed in before I stupidly got their Shell card not knowing it was Citibank. Frankly, F them.

Sadly, there are some serious flaws in the Citibank customer support system. I can’t comprehend why I had to call three times and be on the line for over a half an hour for a very simple issue. May be the first time that a service provider hung up on me. I was simply truing to explain the issue. I will not be using Citibank except for Costco purchases. Frankly I’m surprised that Costco puts up with this under performing partner.

Got charged an overdraft because of some random unauthorized transaction. They reversed the fee when I called, but the fact that my account even got compromised is just crazy

Extremely disappointing. Citi is absolutely, 100%, the WORST bank I have ever dealt with. Out of many. Virtually every transaction is a time-consuming, frustrating pain in the butt. Like I want to scream after every interaction. The WORST EVER!

Trying to complete an online transaction, I was instructed to call in for a code. I called the # provided, explained why I was calling and spent 10 minutes "getting verified", giving the rep several pieces of information. Then he tells me I need call a different number for a different department!

I was trying to do a routine (but important to me) online transfer. Three different reps confirmed that it was being processed. But after a week it didn't show up anywhere. So I called again and guess what? It DISAPPEARED! No record of it anywhere. They operate like a 3rd rate bank in the third world country of West Podunk. Only less efficient.

It's amazing how they are even still in business. Avoid Citi if you value your time and sanity.

I recently visited the Citbank Hauppage NY branch when i needed info and copies of deposited check for a refi i was doing with my home. I was leaving for a vacation in a few hours but the bank that i was doing business with needed copies of deposited checks asap. 2 workers got me out of a jam and I wanted to recognize them for their wonderful attitude and hard work. Their names Susan Karau and Brianne Robrecht. Please thank them for me. You have 2 amazing workers at that branch. Steve Hillebrand

I’m extremely disappointed with how Citibank handled my recent dispute. The merchant split one single charge into two different transactions. Citibank approved the dispute on the smaller portion, but refused to approve the second part — even though it was all part of the same original charge.

I provided full documentation showing that this was one transaction, not two separate purchases, yet Citibank still denied the larger dispute without a clear explanation. Customer service gave inconsistent answers and didn’t seem to actually review the evidence.

It feels like Citibank protected the merchant instead of their own customer. After this experience, I no longer trust their dispute process and would caution others to pay close attention to how their claims are handled.

I want to extend my highest praise for Susana Tovar (Suzy) at the Citibank branch in Fairfield, Connecticut. Every interaction I’ve had with her has been exceptional. Suzy provides the kind of customer service found at the highest echelons of personal banking — she is warm, genuinely kind, incredibly attentive, and remarkably knowledgeable.

Suzy consistently goes above and beyond to make sure every question is answered and every concern is addressed with patience and care. It is clear that she takes real pride in her work and in helping customers feel valued and supported. Her professionalism is matched only by her positive attitude, and she creates an atmosphere that makes banking not only easy, but even enjoyable. She is an outstanding representative of Citibank, and I hope she is recognized for the exceptional service she provides. I am deeply grateful for her help and the kindness she brings to every interaction. Thank you SUZY!

Woke up to a 9k credit limit decrease for a 37day late payment.the charge is less than 1000$. I've Been with this company since 2017. I've spent over 50000 with this company. Recommended people to programs to be not valued. I'll take my spending and loyalty somewhere else. Lowes, grainger etc..thanks but no thanks

Extorters, thieves, and liars. One of many examples, I paid my Citibank Home Depot balance in full but then a $3.00 balance showed up based on voodoo they cooked up re when I paid and a weird fee for returning a product--and they charge interest and fees on THIS. They will NEVER LET YOU PAY OFF YOUR CARD, the b.s. fees, etc. will ACCRUE MORE INTEREST AND FEES, it's like a nightmare scenario you can't escape. These people are just liars and thieves. I cut up my Home Depot card (not hard to do these days) and I will never use a Citibank card again. You have to close your account and destroy your card. THIS IS THE ONLY WAY to escape their extortion and games. They hang your credit rating out to dry, and they know what they're doing. And they will never ever stop and no one will stop them. They are CRIMINALS. Cut up the cards and shop at Lowes where so far, ICE isn't beating the sh out of innocent people in their parking lots. Ripping you off. Violence against innocent people. Cut up your Home Depot Extortion card and stop shopping there. If they won't stand up for America, we will.

According to customer service, I was "randomly" selected to have a credit card interest rate increase from 15.99% to 22.99%. They would not reduce it back to my legacy rate. Will be closing the account and moving my business somewhere else.

CITIBANK RIDGEFIELD is the worst

One only because ZERO is not a choice!

Abysmal customer service, They changed the bill pay process and have failed at offering something reliable.

18 minutes to get to a live person, who barely speaks English.... 15 more minutes to get to an "English speaker".... to be told ...it might be a "glitch"....but my feedback is very valuable .... I was waiting to be asked d about buying an extended car warranty or paint protection.....

I spent 20 minutes on the phone with a customer service representative who was incapable of restoring access to my account or providing me with the 1099s that I needed. In the 6 days since the call, I still have not received my 1099s.
I have accounts with Fidelity and Schwab and when there is a problem, it is resolved in far less than 24 hours (usually the time it takes to call them).
Why did I move my money from them to Schwab? I had a money market account and it LOST money. Money markets should only gain.

I tried making a purchase on my card. I had plenty of credit avaliable. I made the charge and fraud dept text me and aked if it was me. I confirmed and I recieved a text saying remake your charge.

I tried again and was denied. Now it locked my acct and I had to call Citi bank. I called and after being put on hold multiple times and was informed they could not unlock my acct unti i responded to a letter they were sending me in the mail in the next 7 to 10 days. Mind you now as well that during the call I paid the credit card off in full. Even after that still would not unlock my acct. I asked to have my acct cancled and they couldnt do that either. So now i am stuck with a card I cant use untill I respond via letter. Last I checked this 2025 and they verified me 4 times on the call but somehow I cant get my card unlocked. At this point I will respond and will definetly cancel the card. OH BTW the supervisor I spoke to was named lovely and was of no help. I have been with citi bank for about 10 years. So nice way to treat a good customer who spends a lot on thier credit card. Never again!!!

I called citi bank because I wanted to know where I could go to open an account or deposit my son check. I called citi bank toll free number and the customer service asked me for my check number and Alt ID. I gave it to the representative. The representative told me that she could not assist me any further and hung up in my face. I looked at my phone in disbelief. She didn't give me any reason why she couldn't assist me. She just hung up in my face. This behavior was completely disrespectful and unacceptable.

Horrible customer service. It takes me over half an hour to figure out how to connect to a human agent because the bank makes every way to stop you from doing so. Then the customer representative has a very strong accent and can not conduct English conversation properly - simply because he does not understand. After 2 hours on the line, nothing was moved forward. Horrible! I cannot believe this is the customer experience for a bank in 2025.

Horrible bank , they hold my money for one month without an explanation. Worse bank ever

Spent 2 hours over 2 days trying to resolve a credit card issue that was admittedly my fault, but was switched to 7 different department. Eventually told to switch my payment from one citi card to another citi card could take 1 month and I have now received 4 texts/messages regarding my "over due" account. Will close my account as soon as this is resolved

Warning close your citi credit cards.I had fraud on the simplicty card I never received never used it and was charged 3,000 for a balance transfer never did this company is corrupt this occurred in May 2025 still getting bills for this fraud be safe close your cards down dont take a chance

Bureaucratic, not aimed at helping customers, third world support, wasteful of your time and energy.