Horrendously Difficult Banking! Im not even sure where to begin with Citibank... -App is extremely poor very limited in what you can do -Every time I go to login on the website it takes 3-4 attempts with a 10minute security block out between every time, so I basically cant use this option as it is frustrating as hell -customer service extremely poor -I have to contact the bank via phone (minimum 30min process) every time I want to make a forward payment on a loan! Do yourselves a favour and use anyone but citibank, even if you have to pay more fees / higher rates!

don't waste your time there Their customer service is unprofessional, rude and useless. The environment is very poor and you can often hear much noise like someone else's chatting over the phone. You ask them to do something and they tell you it's done, while it turns out nothing has been done later.

Citibank Colludes with Fraudsters Four years running now Citibank has allow a fraudulent company to bill a $300 bogus annual subscription to my account. All four years I was required to jump through all kinds of hoops to fix it. Even changed my account number 4 times. They actually gave the fraudsters my new account number and home address. Had to hire an attorney to send a Cease and Desist to their CEO. Even closing my account didn't stop the madness. Citibank just accept the fraud charge anyway and then tried to bill me again anyway even after I have a letter from them confirming its fraud. WHAT?!? Clearly just another greedy bank who doesn't care about their clients at all.

Outstanding Dispute Citi failed to credit my account within 5 days of the merchant issuing a $5,000 refund on my card. After opening a dispute they issued a conditional refund until the merchant refund is posted. Short of it is one month later the merchant and conditional refunds are still on my account completely screwing up the balance. I can't pay my bills!!!! I have made 7 calls and escalated it 3 times. The last call I was promised it would be corrected in two days. That was 5 days ago. Pathetic service. Shame on them. Typical greedy corporation focusing on profit centers and not customer facing cost centers. As I wait for someone to do their job I have changed all my auto pay expenses to another card and will not use this card.

CITI SUCKS! Quite simply, this is NOT a bank for the average, everyday customer. This is a bank that values it's commercial clients over the little guy every time. They lie about interest rates (bait and switch), and don't ever have a dispute with a merchant. They will win every time even when provided with written proof of the issue. There are better credit card deals out there and better banks like Discover that are upfront with their customers about everything, offer competitive interest rates and LISTENS to their customer base. RUN, don't walk away from this bank!!!