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| 1 star: | (123) |
This is the worst online banking experience I have ever had. I took my money out. They then paid me a 0.10 interest payment. I have called multiple times asking to cancel the account. Apparently it is impossible since I cannot remember some secret code work I used years ago when setting up the account. So here we are They SUCK!. Avoid at all cost.
The reason I rate Citi the worst bank is that they charge outrageous fees for keeping my money, and that their customer support is a joke.
For savings account they now charge $15/mo if the balance is under $30,000 USD, unless you have direct deposit. I am retired, and I live from the savings, so I don't have direct deposit; neither do I have $30,000 lying around.
Their customer support is like talking to a robot, absolutely inept of individual thinking and logic.
Citi's greed is disgusting, especially considering that not that long ago they needed our money to save them from a bankrupcy of their own creation.
I've had accounts with Citibank for decades, just because I couldn't be bothered with closing them, but the recent "simplified banking" changes are the last straw that broke the camel's back. The "simplified banking" introduced in July 2024 charges $15 monthly fee for checking accounts with less than $30,000 balance. This is highway robbery from Citibank, so I immediately called to close my accounts. Frustratingly, it took all day to get through to someone at Citibank. Erroneously, the Citibank automated system claimed it couldn't find my accounts (despite using account#, debit card#, SSN, all to no avail) and then it would hang up without an option to reach a representative.
I called the closest branch, which after Citibank closed most branches some years ago, is 50 miles away. The teller who took my call claimed the only way was to deal in person, which for me meant a 100 miles trip in the heat of summer. She couldn't even connect me to the global Citibank.
There is absolutely no reason to use Citibank.
Their interest rates are low while they charge VERY high fees for everything, and their Customer Service is almost impossible to reach.
I've had an accelerate account for a couple of years. Easy to start the process online but impossible to end it.
I needed to transfer the funds out.
There is a limit of 25K per day however there is actually (no written) a limit of 50K per month. If you have no branch a banker (I made an online appt with a banker) can only help if you can come to the bank (no banks in Colorado and was told "you can come to Washington DC and I can help you.
The only way to get funds is to create a wire transfer, however the wire was stopped by Citi, and again, customer service said "the wire set up is fine but we are unable to wire your funds so you will need to find another way" (and there is no other way.
I was on with customer service, credit card service, banker etc for over 5 hours and no one could do anything. Will NEVER use Citi again
In March 2023, we opened a new saving account with Citibank and transferred some money from our account at another bank to our new account at Citibank.
About a week later, we noticed that we could no longer access all our Citibank accounts (including our existing credit card account). We immediately reached out to Citibank trying to find out why. After numerous phone calls with their customer service , which took approximately 7 hours in total as well as countless call transfers and even abrupt hangups, we were finally informed that our new account was under checking by Citibank. They said the reason is that they suspected fraudulence with our new account, since our new Citibank account was under my name and our existing account with the other bank was under the name of my spouse even though we share the same address.
Citibank customer service also told us that they would not restore our new account, but would refund us in the form of cheque within 30 to 60 days. Therefore we waited till mid July 2023, when we still had not received our refund. After that, we reached out to Citibank customer service again. This time, they told us that they would have to wait until July 31, 2023 to close our account, and we should get our refund approximately 2 weeks after that, which should be mid August, 2023.
Yet until Sep 2023, we still had not received our refund. In the meantime, Citibank never tried to contact us, either about verification or update.
So in the end, we filed a complaint through Consumer Financial Protection Bureau, CFPB (https://www.consumerfinance.gov/complaint/). This worked! In about two weeks, we finally received our full refund for Citibank.
I would strongly recommend people use CFPB to get their money back!
Citibank unexpectedly closed my account of over 30 years without any reason. When I tried to make a deposit, my card didn't work. Apparently, my account was being cancelled. The teller stated they couldn't do anything at the bank and advised me to call customer service. However, customer service told me that neither the representative nor the supervisor could help and that I should see someone at the bank, giving me the runaround.
During my visits to the bank, they always tried to persuade me to enroll in long-term CDs. But when I began withdrawing money, that ceased, and now my account is being cancelled. It seems they need your money to lend to others.
Upon researching, I found this seems to be happening to many people, particularly long-term customers. They are also replacing actual people with AI, which may be incorrectly flagging accounts for cancellation. In addition, they have terminated many employees recently. I will never use Citibank again as they do not value their customers or have any legitimate customer service. I will also be contacting the NYS Banking Department, etc., as this may be a case of discrimination.
I advise anyone using Citibank to leave while you still can. Branches are closing, accounts are being closed randomly, and employees are being laid off.
They are a bunch of crooks! My husband get direct deposit for his SS. If it is to be deposited on the 1st, it is ALWAYS available 2 days before the 1st. Not Citi, they hold it until the 1st to collect interest on MY MONEY!!!!!!! Going back to Capital One!
We opened a savings account to hold our money while we were purchasing a new home. The money was in an account for 1 month. When we tried to transfer money out of savings to our title company we were limited to $10,000/day at no charge OR $50,000/day for a $25 wire transfer fee each time.
We spent over 6 hours (combined calls) on the phone with 5 different customer service reps and no one was able to help us until Jen (the 2nd Jen).
I had to enroll in the Acceleration program. I did this over the phone with Jen and supposedly this will work. We will see . . . .
This is like the Hotel California - you can put your money in any time you like but it can never leave!
Citibank repeatedly sent me offers to open a deposit account with $200 bonus. Once I was enticed to go through the process, it was very clear the bank's offer is bogus. The process is very strange that requires answers to very intrusive, unusual questions. Then, it was denied without any reasons given. We are talking a basic deposit account that was promoted to be easy to open, maintain and satisfy the requirements for the bonus. Of course, Citibank has never wanted to make such offers to most. It is an absolute fraud by a big bank. Stay away from Citi by all means.
THEY BLOCKED MY ACCOUNT BECAUSE OF FRAUD ON THEIR PART. I RECEIVED 3 CALLS FROM A CITI BANK NUMBER AND THEY SAID THEY WERE WITH THE FRAUD DEPARTMENT AND NEEDED MY ONLINE USERNAME AND PASSWORD. WELL, I'M NOT STUPID I REFUSED TO GIVE THEM THAT AND LATER FOUND OUT FROM CITI BANK IT WAS FRAUD. THEN MONEY WAS TAKEN FROM MY ACCOUNT AND THEY REFUNDED ME I ASKED TO MAKE SURE THIS SAME COMPANY DID NOT TAKE MONEY FROM MY ACCOUNT AGAIN THEY ASSURED ME THAT MY CARD WAS CANCELED AND NO MORE MONEY WOULD BE TAKEN THEN A WEEK LATER OVER $300.00N TAKEN THEY MADE ME WAIT 10 DAYS TO GET MY MONEY AND BEFORE THEY GAVE ME THE CREDIT THEY BLOCKED MY ACCOUNT TELLING ME YOU HAVE TO WAIT 30 TO 60 DAYS TO GET YOUR MONEY OR GO TO A BRANCH AND MAYBE THEY WIL GIVE YOU YOUR MONEY THE CLOSET BRANCH IS 5 HOURS FROM ME. THEY HAVE PEOPLE IN THE PHILIPPINES WORKING THERE CUSTOMER SERVICE CAN'T UNDERSTAND THEM AND WHEN I RECEIVED THOSE FRAUD CALLS THEY SPOKE THE SAQME WAY. I THINK THEY ARE GIVING OUR BANKING INFORMATION TO THEIR FRIENDS AND FAMILY TO TRY TO FRAUD US BECAUSE AFTER MY CARD WAS CANCELED AND FRAUD WAS ON MY ACCOUNT THE NEXT DAY I RECEIVED A CALL FROM SOME STATING THEY WERE FROM CITIBANK FRAUD DEPARTMENT AND THEY WEREN'T IT WAS A SCAM AND THEY NEW I HAD A NEW CARD ISSED THE DAY BEFORE AND THERE WAS FRAQUD ON YM ACCOUNT HOW DID THEY KNOW THAT I WONDER. THEY STILL HAVE NOT GIVEN ME THE MONEY THAT I HAD IN MY ACCOUNT THERE RUDE THEY JUST OUTRIGHT SUCK WORST BANK EVER I HAVE NOT ONCE SPOKEN TO SOMEONE FROM THE USA IF THE BANK IS IN THE USA THEN SOMEONE IN THE USA SHOULD BE THE ONE ANSWERING THEIR PHONES FOR CUSTOMER SERVICE. THIS BAN IS TRASH, STOLE MY MONEY AND BLOCKED MY ACCOUNT BECAUSE THEY ALLOWED FRAUD ON MY ACCOUNT THEY ARE FRAUD FRAUD FRAUD GET YOUR MONEY OUT NOW LOOK AT ALL THE REVIEWS ON HERE WE ALL ARE HAVING THE SAME PROBLEM WONDER WHY THEY ARE FRAUD THEY SHOULD NOT BE IN BUSINESS THEY SHOULD SHUT THEM DOWN. I WORK FOR MY MONEY PUT IT IN THEIR BANK AND THEY GET TO KEEP IT FROM ME FOR UP TO 60 DAYS HOW CAN THAT EVEN BE LEGAL? IT'S NOT THEIR MONEY IT'S MY MONEY AND THEY CAUSED ME TO LOSE MY CAR INSURANCE, AND MY WATER, AND I COULDN'T BUY FOOD THAT WAS ALL MY MONEY. AND THEY DID NOT CARE AT ALL. STAY AWAY FROM CITIBANK.
I took a loan out at citi financial for 6 or 700 dollars, this was in the early 2000's I was working steady but wanted to fill the propane tank as was in the fall and I had twin girls to keep warm.....never had a problem paying bills before this....They had an option to pay a few dollars extra and it would pay your loan if you legitimately lost your job. I had been paying it off 75 dollars a month and this was now spring, well it did not pay and they began harassing phone calls...I couldn't find my papers...but they should have them...right? I finally got a woman at the agency where I took out the loan who was checking on it...then as my luck would have it she had an accident and was not working....I have high anxiety caused by this company who called nonstop every day several times a day......they hounded me into a break down.....during this time I had other problems without my job....I was facing foreclosure and I had nothing worth anything to pawn or sell...no relatives to help me, etc.....One day when I had exhausted all my options. As anything Lucy can do I can do better....I went out in the lawn raised my arms and said I give it to you lord, I can no longer do anything...and the next day the phone company called me and bought a small piece of my land for a substation…and I payed the bank where my mortgage was nearly 3 months behind. I got another job, and this collector called on a Saturday and said if I payed 300 dollars today….my debt would be payed…I went 30 miles to town with the twins to a Kroger that had a my bank in it and sent them the money…and I guess I got screwed so then this company called gault called and I started paying this company called gault 75 dollars a month…they called and said it wasn’t enough, well I couldn’t poop money I had no luxury items…I did not even have satellite. I went to the library and checked out movies for the twins… Well gault kept calling and then a cop came and I signed a subpoena, I asked him did I need to go to court and he said no…well I should have but I was young and stupid with rampant panic attacks….as I had never done anything wrong…. This put a lien on my house …they sent another subpoena in 2022…I called free legal aid….and now I am paying off 1500 at 25 dollars a month….they caused my break down and now I am still scared when the phone rings, I guess I hate them. They really ruined my life, my credit, everything…and it should of been covered from the it go.....
Opened a 5.65% APY CD for 11 months.
The online process was smooth. They were able to literally suck the money off my bank via manual router and account number connection (no need for small deposits needed OR logging into my bank account). The CD was funded immediately. So, it was a smooth process. However, the fact they didn't allow for an outside bank to link with the account should have been a warning sign to me.
The problems I encountered are as follows:
1. They WILL NOT link an outside bank to your account. It's impossible.
2. Upon maturity, you either have to pick up the check at the closest branch from your location (good luck with that) OR they will mail it to you (if you have a large amount, you will lose sleep).
3. Their website does NOT allow you to add beneficiaries. They want you to visit a branch to do it (or they can mail you a form USPS).
4. You have just 7 days grace period to close your account once matured.
5. Their website does not allow for online maturity instructions like other banks. They want you to call them for instructions on how to manage your account on maturity (three months prior to maturity, anything before 3 months will not be considered legit).
6. When opening the CD, they will ask if you like your monthly interest USPS mailed to your home address OR leave in the account. Again, this was too old fashioned for me. Who mails checks these days? Why not ACH to my own bank? It's barbaric and a way for them to keep your money longer.
7. They will endlessly market to you their checking and savings programs.
8. They have no dedicated CD online website. The website you log into is meant for someone who has a checking and/or savings account. It's not friendly to those who simply wants a CD account.
This bank strives VERY HARD to convert their online customers to long term customers by enticing you to bank with their local banks. In doing so, they have instituted marketing gimmicks that really make the customer journey unpleasant and one that is unbecoming of an online bank. Making your beneficiary at their branch, picking up your check at their branch, not allowing for external bank link on their online CD account, these and many more practices are designed to "push" you to their brick and mortar banks and convert you.
Like many, I was attracted by Citi's high yield savings account promotion and had used their American Airlines credit cards for years. I started with $25, waited for it to clear, then deposited significantly larger amounts, totaling $70K. A few days later, I was paying my credit card bill and noticed that the savings account did not show any more. This was alarming! I called Citibank and was told that the account had been turned over to the fraud department for fraudulent activity. Over the next few days, I talked to four different people, all very nice, but difficult to understand on the phone. They were able to confirm the correct amounts in the account, but were unable to provide anything in writing. After several attempts, I was finally able to talk with a manager on the phone, who asked me some questions about where I had traveled to over the past two weeks and what devices I had used to access the account. She told me that a different device had been used twice to attempt access in a state that I had not traveled to during the time period. In addition, she told me that Citi had therefore decided to close the account. I asked when I would get my money back and she said Citi policies would require 30 to 60 days! What the heck...this is my money! She also told me that I could go to a branch location and, at their discretion, they MAY release the funds. I actually felt at several different times during this ordeal that Citi may not send my money back ever and that I would need to go find a lawyer to release the funds. I drove to the Palm Beach Gardens location, 2 hours from home and, after some persistence and working with a great banker named Rohan, received a cashiers check for the amount. Rohan was actually quite good and argued with the fraud department for me to get the interest owed, which he did. By the way, I asked my normal bank what their policy would be on this and they would have offered to open a new account and transfer the money there or refund the money on the spot. This whole experience caused me significant worry and stress and I will NEVER open a bank account with Citi again. Their policies are questionable and seem like they are designed to use your money for 2 months while causing you significant stress, and they don't have enough branches to allow easy face-to-face communications. This means you will be talking to people on the phone who may be hard to understand and are unable to communicate the real issue. The one positive was that the experience at the Palm Beach Gardens with Rohan was very good. I give Citi corporate 0 stars and Rohan/Palm Beach Gardens 5 stars, so that gives me a total rating of 1 star.
This bank is trash! I was told that I had to wait 2 days until my mobile check was available to me but it wasnt. Then I was told two weeks. I have called and spoke to numerous people and all they do is not help you and hang up in your face. Please save yourself the hassle and bank anywhere else. The best I would say is Arrowhead. They can assist you with any concern you have IMMEDIATELY!!! Even Chase is a good bank to, but banking with citibank is a waste of your time.
I opened a new checking and saving account with Citibank attracted by their high interest rates.
I transferred $250,000 to savings and $10,000 to checking. I have no debt, pay all my credit card bills early and have an excellent credit rating.
My accounts were terminated without explanation. I called multiple times and spoke with various customer service representatives who were unable to give me an explanation. I was told I would get a letter of explanation and eventually return of funds in 30-60 days. I know have a significant portion of my life savings unavailable to me and no one to help. I have filed complaints with the the federal government and with me state. Stay away from Citibank.
Trying to open a business checking account. Provided contact info on a form through their website. Received a message the next business day. Called back and am still waiting for a response. It's been 4 days. I guess I could keep trying but why bother. If this is their customer service at the start, I can't imagine it getting any better.
I opened a new account because I liked the overall experience I had up until recently. I am homeless right now and trying to move to my daughters property. So I had my disability sent to my daughters PO Box. I deposited it through my mobile app, then a few days later when it was still not available, I started calling. They informed me absolutely nothing at first, but finally they said that they were closing my account and holding my check for 60 days. I called SS to put a stop payment on it and to see if they could send me a new one, and Citi bank already cashed it. So they had no intention of "holding" my check at any point. It was cashed 2 days after I deposited it.
After 3 days I finally got told that they consider it a third party check because the address I had it sent to does not match the address on file with Citi.
I understand fraud security but this is just beyond what is reasonable.
For over 40 years I used Citibank credit cards and was very pleased with its service. This is the first time I used Citibank's banking - for the incentive of airline miles. And in two months I have had so many terrible experiences. I began to fear that I can't get my money out - currently my paychecks go to Citibank through direct deposit. But I can stop my DD any time.
I read a lot of comments about people who deposited tens of thousands dollars into Citbank. I suspect it's for miles, because many banks offer cash bonus for new accounts, and Citibank interest rates for savings and CD are poor. I was very tempted to deposit $50k into Citibank for another bonus miles offer. Thank goodness i did not do it due to the Citi's low interest rate.
I hope all of you who suffered from Citbank's banking will be able to access your funds. Meanwhile, I hope to gain some insight about Citibank. I read that Citibank got an F rating from BBB due to predatory lending. I thought Citibank would treat the depositors better, as we provide the funds for Citibank to lend to others. It seems that Citibank just wants to con everyone. But how can Citibank continue this practice? This is USA, a land of law and order.
For those who want cash bonus or high interest rate, consider online banks. I go to bankrate.com for the highest CD rates, and I have tried many of those banks. None has given me any troubles. Citibank indeed is a totally different bank!!
Had to call customer service about a promotional offer "Accelerate Savings Leveled Bonus" -- and after several hours of conversations with multiple people I can say that their customer service is absolutely useless. I don't care about accents, and generally I had little trouble communicating -- but the level of their ability (or desire) to help was an absolute zero. Basically "they don't see it" and that's that.
At this point I do not want to trust them with my money -- and getting the money out has proven to be impossible so far as well (best I could get from customer service -- "use alternative means". Meaning what???). So just stay away.
If I could give them 0 stars i would. I hate that I ever encountered this entire scam of a bank. I have lost so much money because of them. and they have the nerve to treat my money as if it is theirs. I hate this bank. Do not do business with these crooks. You will regret it.
DO NOT USE CITIBANK!! I opened a new Citibank account with savings and checking on June 2023. I used it to pay rent and bills. After paying the first rent bill, Citibank locked the accounts. I contacted them every day since June 24 until now. None of them can help with the problem. Then, they suddenly closed my account without any notification. Now I have no money to pay rent and bills.
I opened a new Citibank Accelerate Saving account back in March and successfully deposited $30,000 on March 20 from my Bank of America saving account. On April 1st, I received an email from Citibank that my account will be closed within 60 days. The email simply states: “Based on a recent review of your account, we found that you have violated the terms per the client manual”. There were no specifics given in the email as to what terms exactly I violated. I contacted Citi twice on April 1st and April 3rd, both Citi representatives quoted the same statement in the email without adequate explanation why the account is closed. When I asked them how to get the remaining funds back, they said I will be receiving a mail with detailed statement and a check of the remaining balance, which is around $15,061.21. ( I did transfer $15,000 back to my original Bank of America account before they closed my account)
Ok, no problem. But after patiently waited for 2 months, I still have not received anything from Citibank as of June 5th, so I called them again and this time they told me I will not be getting a check of the remaining balanced on my closed account. Imagine you asked me wait for 2 months and now telling me a totally different disposition. Citi rep told me I have to contact Bank of America where the funds originally came from, and they need Bank of America to file a “Hold Harmless Claim” and return the remaining balance to the original account. Again, there were no explanation from Citi representatives as to why they can`t just return the remaining funds to me, which is legit deposit from my funds in Bank of America account.
Anyways, I contacted Bank of America for this request of filing “Hold harmless claim”. After talking to 5 different agents in Bank of America claim and fraud department, they confirmed that BOA can only file the HHL claim upon Citibank's request (not via me). Since it was Citi who closed my account and is holding my money, It was Citi who suspected fraud in my transfer, so its Citibank`s responsibility to contact BOA to initiate the claim process BOA confirmed that the $30,000 transfer was legitimate and held no implication of fraud. They emphasized that Citibank should return the remaining funds directly to me, as the transfer had already been cleared by Bank of America, making it my rightful money in my Citibank account. Bank of America also provided a contact email address for me to give it to Citibank.
In the following days, I made numerous calls to Citibank again, informed them of the information I received from Bank of America, but I've faced resistance and indifference. Citibank deposit risk team refused to contact Bank of America fraud department to request a HHL claim, and insist that I contact Bank of America to file the claim despite my explanation of the previous unsuccessful attempts. And nobody from Citibank Deposit Risk team care to provide adequate information as to why a hold harmless claim is needed for me to get my own money back from a closed account, and nobody from Citi is willing to work with BOA to sort this out. The Citibank agents I talked to either find excuses to disconnect me or tried to transfer me somewhere else nobody understands what I was talking about and then transferred me again. Its been a nightmare dealing with Citibank customer service.
As a consumer, I have diligently pursued all avenues to rectify this situation, dedicating over 80 days and countless hours in attempts to retrieve my funds. It is deeply distressing to find myself in a helpless position as a result of Citibank's erroneous judgment regarding my account. I understand that the $30,000 deposit to Citibank and subsequent $15,000 transfer back to my Bank of America account may have triggered concerns within Citibank's system, but I can assure these transactions involved legitimate funds that belong to me. I have concrete evidence, such as my Bank of America account statements, demonstrating that the $30,000 deposit originated from my lawful salary and bonus payments from my employer. I am willing to provide any additional documentation, including my tax returns, to establish the legitimacy of these funds. Furthermore, Bank of America has expressed their willingness to vouch for the legitimacy of the funds if Citibank were to reach out to them. Yet, every attempt to engage with Citibank has been met with resistance, lack of cooperation, and a complete disregard for customer service.
I run out of ideas how to get my money back, I am stuck. I had to file a compliant to OCC see if they can intervene to help.
Hello I'm going to tell you my story I have got a settlement check for $3, 789.40 check says Citibank I went to Washington DC Citibank to open account and deposit the check on a Thursday so I waited on Tuesday and called the Washington DC Citibank am I okay to be able to withdraw manager says your checks been blocked gave he give me the phone number of Citibank fraudulent number I called and told them what's the problem they told me we need to verify this check by the company who sent it to you I'm like okay so I have the company legal firm that gave me my check call them to verify but one thing is weird is Citibank fraudulent number says that phone number is not a business number what's the business company that gave me my check.
My account was flagged for fraud after I deposited a check from a employer who claimed to be paying for office equipment. Although I never touched the money and even called to verified the funds were actually in the account before attempting to purchase the office equipment at which time they explained the check was not real. I explained what happened and told them that's why I wanted to make sure it cleared before touching the half already available to use.
They then told me the account was being closed due to fraud and that it was actually already closed. I would receive a check in 30 days for the account balance.
However before this happened I had agreed to allow my son's direct deposit to be transferred into this account. The account was closed and 6 months later my son was approved for his unemployment.
The funds were posted to an account however I did not know the account they were referring too. I check the two accounts I had open both showed no pending deposits. A few weeks later I found my old citi bank account number on a statement. I then called Citi explaining what happened and asked if the deposit was sent to them. They refused to answer any questions due to not knowing the debt card number from an account closed almost a year ago. It took me 3 more months to find a piece of paper with the information on it. I called that moment and with both numbers the agent had to speak with me.
He lied and said the transfer was sent back to the original sender and the account was closed. It took 3 months to get an unemployment agent on the phone due to Covid. However they explain that the deposit was never sent back and I called citi whom lied again saying it was. The DOL rep. Then told me to request a statement with verification of the funds being returned at which Time they admitted the funds where in fact in the account. I said how is this possible when the account was closed they said it was not closed it was frozen they could receive all the deposits that came in However I was not allowed to touch the funds they left my account open for 6 months to see if funds would be deposited. After telling me it was closed. They then said that my son would have to verify ID so I sent the verification which they denied receiving. Then they refused to allow me to do so by mail and demanded in the highest part of Covid I drive my son to Atlanta to the branch. Which I did to find out it was closed indefinitely and the nearest one was states away, States. This was impossible. I would have to wait until a branch opened.
About 3 months later I receive a letter explaining my account was closed due to a zero balance in the account. I called the bank where is my son's money? They said it was put in a subledger and I would need a judge to issue a warrant to get the money. It's been 3 years now. I have wrote everyone I can. Tried attorney's and nobody will help.
What can I do?
My money at Citibank (CD's and a savings account) are also tied up due to unknown reasons. Executive Response Team wrote to me (after receiving my BBB claim) that my account was now "unfrozen" and I could access it. I cannot. A call to the Executive Response Team just leads to more loops and nonsense. This customer service is beyond anything I have ever experienced. To say they don't care is not accurate... I feel based on the way they respond that they are actually trained to keep you in this frustrating loop of non-answers and non-solutions. Is this their way of dragging out allowing access to your money? Someone mentioned a class action suit, and if it's started I'm all in. I have a CD maturing in a few days, and if I can't access it, it will roll into the same rate for the same length of time, and then I will have incurred monetary damages, not to mention the stress this has caused me. DO NOT do business with them. This is pathetic!
You have been warned. They decided to freeze my account because I deposited my 20K check made out to me but Chicago Title used my office address on the check as C/O Keller Williams with my office address instead of the address on my account when I opened it. They triggered a fraud alert even though they confirmed that Chicago Title indeed wrote me the check. I will never ever do business with this Bank ever again. I have a funeral to pay for and a special needs child to feed. They froze my account and have the audacity to tell me that it can take 60 days to review.
I went inside the branch but they couldn't do anything. I went in with all the escrow papers and check stub and the branch manager's hands are tied because the imbeciles at the fraud department are just that. Citibank froze my account and holding my money hostage. They froze it because they said even though the check is made out to me (Real Estate Commission check) Chicago Title the issuer has a different address on the check which is in C/O Keller Williams , if they had any brain cells left, all they had to do would be to go into the Department of Real Estate's website to see that my office address is on there. Their automated system was triggered that it is a fraudulent deposit because the address on the check is not on my file for the account. I went inside the branch and spoke to the branch manager to assist me. Although she is helpful and think this trigger doesn't make any sense, her hands are tied and the Fraud department are the only ones who has the power to either hold or release my money. The fraud department told her to tell me that the only way they will remove the freeze off of my account would be for me to call Chicago Title to put a stop payment on the check and have Chicago Title to stop the payment on the check that I already deposited yesterday May 24th, 2023 at the San Ramon Valley Boulevard branch through the teller and then have Chicago Title reissue the check to prove that the check I deposited is not a fraud. I emailed and called Chicago Title to do just that, Chicago Title tried to stop it and they said they couldn't stop the payment anymore because Citibank already cashed my check. Chicago Title sent me a copy that it cleared the account and Citibank is refusing to rectify the situation and insisting that Chicago Title can still sop the payment. Chicago Title suggested Citibank call them to verify the validity of the check but CItibank refuses to do it. My entire account is frozen and cannot pay for my son't food, bills and brother's funeral and cremation. This bank is out of control and needs to be stopped. They already have my funds using and messing with people's lives. This bank is a scammer and a fraud! It old them I want my account closed and give me my money that they have been holding and they refused an keeps telling me I have to wait between 30 to 60 days! This is NOT acceptable. End of the month is here, rent and bills are due or this creates a whole different problem for me. Everything I have they are holding hostage. This is the number 1 bank that needs to be shutdown completely! Banks like this are the reason old school people still do not trust banks! They love taking your money but do not want to give it to you! Predatory practice!
Like so many people on here the same thing happened to me. Exactly like everyone else I transferred over $14k from a Bank of American account to my Citibank savings account as they were advertising higher interest rates. Transferred the money on Tuesday, saw the money in both accounts on Wednesday and Thursday morning was locked our of my Citibank account. Same excuses they used with as with everyone else, some fraud investigation ad I'd get my funds in 30-60 days. I'm trying to follow the advice on here and file a complaint with everyone I can think of and those suggested here but has anyone gotten their money back in the 30-60 days as they promised or is this going to be a fight to the end to get my $14k back? hoping someone can shed some light of hope for this nightmare to be able to come to a solid resolution.
I see so many people posting with problems of mismanagement or fraud, (see last year’s reviews as well) that I thought I should post with some help to get your money back.
In October 22 we deposited a large sum from 2 different accounts, to receive Citi’s maximum deposit bonus. We later found out the second account we deposited from was dormant, so that bank put a hold on their transfer. With no notice until much later, Citi closed our entire account, placed a fraud alert on it, and froze it.
I tried to log in, was told the account was sent to the fraud dept, and they could tell us nothing. I called Fraud, explained what happened and they told me we couldn't get our money back for 3 months. We later received a letter saying that they would return our money by check in 1 month.
Weeks and weeks of hours long calls to every Citi dept I could find, as well as to our local branch manager ensued. I was told that I no longer had an account there; it had been sent back to the funding bank; etc. They had LOST my money. No one would or could help me—and many of them were unintelligible. Most were also unconcerned.
Finally, I complained to CFPB, FDIC, and OCC, as well as writing letters to every head of Citi I could find, with copies of my complaint. Between the government's contacting them, and I believe even more so, from my letters to the top, we finally got our money back 6 months later, with 5 cents interest. Citi had had free use of our money for 6 months!
It’s difficult to find, so here is the website with top Citi execs info: https://www.citigroup.com/global/about-us/leadership
When filing complaints, you will need to have dates, names, actions, etc, so if you even suspect a problem, it’s a good idea to start keeping a time log.
I hope this helps keep someone else from going through the extreme stress we went through.
Complaint for horrible customer service and consistently being lied to. I opened a new acct on 8/12/22 and confirmed the acct had the promotion within a week. I have called over 30 times to resolve this issue and spoke to several supervisors. I opened an account eligible for Citibank's new account promotion (4m36txpqge) on the phone. Criteria: Deposit and maintain a balance of at least $30,000 to earn a $500 cash bonus. After making the qualifying deposit within the first 20 days, maintain that minimum balance for a consecutive 60days after the 21st day to receive the cash bonus. I opened an account in August 2022 and transferred 30K from my personal bank checking account that is my main checking account. The customer service reps and supervisors confirmed that I’m on track from 9/22-11/22because I called to confirm if I needed anything because I've been doing this process with other banks. Over the course of 6 months while trying to collect my bonus I got nowhere. Citi reps were confused that they either don’t offer promotions or didn’t know how to verify my account. They opened a "Case" that was supposed to resolve the problem, but I still haven't seen a dime 3 months after I was supposed to receive the bonus. Even after the 90-day period I made sure I met all the requirements. Most of the representatives I talked to at that number had a very heavy accent and you can tell they didn’t understand. So, I have to repeat myself over and over. The worst part is that they didn't understand my words. I called at least 8 times a month and have several complaints and reference numbers after CITI said they are denying me the bonus but at least 3 reps said I was on track before 11/2022 for the bonus. I had one rep named Josette who said she promised me and my spouse will get the promotion and I met the requirements. Here are the complaints/reference # that were given to me and a summary of my complaints. R113438221025 (Josette) Supervisor Josette stated in 10/2022 (Ann confirmed also on 01/2023) that I will ensure me and my family member will get the promotion bonus and I was on track, 12/28/22 Mae (supervisor) started a dispute because she said I never was eligible for promotion and accidently started over the clock for the prev. dispute so the customer service rep was confused when I called back, 12/28/22 Hung up on me and filed a complaint but they didn’t give me a complaint #, called back same day and spoke to Lupita ref# 139752230113, 1/13/2023. Louis (supervisor) ref# 202302171316338431454 stated I need to send them a w9 tax form because the only way to get a bonus is if I have a tax id number. They even sent me $20 on 12/29/22 in my account because I told them they should pay to fedex the sensitive info because they could have told me this when I opened the account. Come to find out this was another lie because they denied me the promotion either way. I even sent in the promotion flyer that I got to the fax they provided. Finally on 3/2023 I complained one more time that I had the proper code and should have the promotion. I set up the same account with my family member and they got the account because they got locked out due to potential fraud issues. FYI. They sent me a flyer with a promotion to try again but you have to be a new customer. I have all my supporting docs. Latest ref number 5/23 karen ref# R105710230508. Resolution would be to give me my promotion and I was promised $500.
I've had a 1 year long relationship with citibank having savings and checking accounts with them. Everything broke when I tried to deposit a $5k check from my another account in BMO bank. My citibank accounts were blocked, I was only told that the accounts are being closed and that would take 30-60 days to complete. No explanation, customer service people are very hard to understand, phone connection is poor, so it's hard to hear anything. I kept all my savings on that savings account and now I literally don't have access to any of the money I saved. This is ridiculous and totally unacceptable. Thanks for the other users for sharing the executive phone number. Will try that on Monday and see how this goes. Also looking to submit the legal claim against them. They just put people in very stressful situations for no reason. And the worst part of it is that you have no information of the further actions.
I opened an online CitiBank Savings account to take advantage of attractive interest rates. After opening the account, I made two deposits on separate days, for a total of $11,000. The life of the account literally only had those two transactions.
After the 2nd deposit I was unable to access my account and was directed to their fraud department. During the correspondence I was informed the account was closed and not given any specific reason for the closure and it may take up to 60 days for my funds to be returned.
After further investigation I found that Citi is widely known for this type of predatory behavior among customers. During my research I found a number (210-357-4032) for the Citi executive response team. I talked with them, they were civil and polite, and I was able get a bit more information. They indicated the account can be closed without cause and they executed that right, but again, deflecting any real reason why the account was closed. They also indicated the funds may or may not be returned based on an internal investigation of which I have no idea what that investigation revolves around?
My concerns with all this are:
• I really don’t know if I’ll get my funds back.
• The secrecy of these transactions seems incredibly predatory given that Citi is given an interest free loan for 60 days from x-number of customers (including myself).
• If the account closure is based on a concern that revolves around fraud and is indeed for my protection, there has been no outreach from Citi to rectify the issue.
• There is no due process regarding the Citi internal investigation which involves the affected party, in this case myself. My sense this is an actionable legal item if pressed?
• With the state of the banking industry incredibly surprised any bank would act in this fashion considering I was depositing funds into the account.
Stay far far away!
I created a Citibank savings account which they offered to give 3.85 percent interest rate . I deposited some 40k in it and transferred some money to my Bank of America account after one week . I could not login the next day and when O called customer care, they said my account is in closure mode and I will receive the check for the money in the account in 30-60 days. The reason they told me was that I transferred money from Citibank account and that’s why they closed the account . I have no idea when I will receive the money back . This is the first time I am seeing a bank doing this. I can’t explain how much pain I am in.
I had used citibank for 6 years, things got increasingly worse. Right now I'm figuring out how to smoothly split up with this bank without losing money. Glad I got most of the money out years ago. Their website issues got increasingly worse and paranoid security policies became like Twilight Zone. Website does not track scheduled transfers, lost all linked accounts, etc, I had wrong transfers and many hours of calling useless reps in remote countries trying to resolve issues. But even worse are their horrible new security policies. If you need to change your phone number they'll literally lock you out of everything and keep saying they need to send a text to your OLD phone number you no longer have and hang up on you. I tried to do a simple basic task of changing my phone number recently and had to spend 6 hours on the phone with complete idiots, usless and who show they can care less. My account was locked, simply because I tried to change phone number, and I had to have phone customer service help to even change it because it wouldn't let me do it online, but first there were 4 useless reps who couldn't help even with updating phone number. At first they wouldn't even let me change phone number "unless can send text message to your old number" and would hang up. Eventually I changed phone number using phone app, and was able to do so only because I had the second, work number on file and was able to get "verification call" to that 2nd number. But it got worse and my account still was locked - only because I updated my phone number! - and at first they refused or were unable to unlock it. Multiple reps, like parrots were saying they only can unlock if I can get a text message to OLD number. Once you change the phone number it's no good for 14 days for them so it can't receive their stupid useless "text messages". The website says "call for a one time code", for every action, but when you can they can not provide you a code unless they text to your old phone number. My account with all the money actually finally completely disappeared from online login, I had no proof of even having any money there anymore. It reappeared after they reinstated the account after 6 hours of calling, but at first they kept saying that since new phone numbers aren't good for 14 days they can't text to a new number my account would stay locked. It's been a nightmare. I'm physically ill just after trying to change the phone number which these criminals. Getting the funds out and closing the account. Read other reviews on here, from those whose money are held hostage and I'm horrified, I might have dodged the bullet so far.
At the beginning of February I discovered my personal accounts were closed by attempting to use my debit card, calling to clear any fraud hold as to which I may not have been advised and then essentially verbally abused by customer support ever since. According to the verbal abuse, I am being investigated for something that's a secret and was/am to receive a return of my funds in 30 to 60 days. In the week of March 6, I called and was told checks had been mailed but I wasn't allowed to know where. On March 24, I went to the post office. No checks. I called customer service who told me I needed to wait another 30 days and in the event the funds hadn't been received, would need to go in person to a branch. I live in Texas. There are no branches in Texas. So I called the corporate number at 212-559-1000 and got through to someone at the Executive Response Team. Their number is 605-331-1698. An investigator contacted me by phone on March 28 I thought to make arrangement to return my funds. In the process she became significantly aggressive with me and assured me it would be impossible to assure me the one account that remains open -- a California IOLTA used by attorneys to hold client funds -- remains safe! So now I'm apparently being investigated further -- for what, I have no idea save for the fact for some reason I've been deemed a liability to the bank. Um. These people are abusive crooks. Run like a mad dog is the only option. I'm scared, hurt, insulted and...on and on. Knowing others out there have suffered the same insanity is comforting. In my mind, yes, a class action and, moreover a request to Congress to enact protection. Thank you for listening!...A!
They truly are the worst bank out there. I opened an online CD couple years ago along with checking account after few years the CD ended and I left the money in my checking account. All of sudden they deemed my account in active even though I sent to proof to activate it they never did and I been struggling to get it activated for over a year. All this time they stealing all the interest (since checking account gets a juicy .0001%) and I have spent $$ sending them mail with tracking mails to activate my account so I can withdraw my money and close the god damn account. They won’t send the account to my state like they are supposed to for me to reclaim it. Whatever you do don’t get suckered in by their promo CDs and open an online only account there way better banks out there. I know I have worked with many banks.
Opened savings account , deposited money ….
Got paid 0 interest !!!! Really???? Out of 350k - 3 month and didn’t got even one cent?
Biggest scam ever!!!!!!!!
Hello, I am having the same similar problem. I recently sold my car to Carmax and I mobile bank my check and Citi Bannk closed out my account because of the simple fact the address was not the same when I open up my account, Citi Bannk did not contact Carmax at all or even contact me about this matter they just automatically closed it and locked me out of my account. How long did they say it was going to take for you to get your funds back all I want them to do is send back the funds back to Carmax so they can re-issue. Another check. Carmax cannot re-issue me out another check until Citi Bannk close my account. This happened in February 12 to be exact and they barely close my account two days ago.but in a law suit when I get the funds
we need to start a class action lawsuit against them. they closed my account that i had less than a month because of "fraud" and refuse to give me all my savings back. it will apparently take over 60 days to receive any of my money. i have never had a problem with any other bank. there is no fraud. there is a huge problem if i can be on the phone with customer service and tell them that i will kill myself if they take all my money and they just say "ok" - they are evil, horrible, soulless people.
I can’t believe this bank is no being investigated or regulated. I opened a checking account with them to receive my tax refunds and they closed it within 7days of me having it, they locked me out of the app and when i call to ask why they said you account is being REVIEWED AND IT WILL BE CLOSED IN 24hours ok perfect i aske them what about the check i was going to receive via DD from the irs ? They said WELL DONT WORRY THEY CHECK WILL BOUNCE BACK TO THEM BECAUSE THEY ACCOUNT WILL BE CLOSE IN 24hours, days when by and they IRS send my check and so did tha STATE TAX when I contact SH!ttyBank to ask them if they received my check they said NO, so I decided to contact the irs and the state to ask them about my refunds they told me THAT IT WAS SENT AND ACCEPTED TO MY BANK ACCOUNT WHEN IT WAS CLEARLY CLOSED (KEEP IN MIND IS BEEN 4 WEEKS SINCE THEY SAID MY ACC WAS BEING CLOSED) when i call this “bank” they confirmed that they did received two check and that my account was BLOCKED NOT CLOSED AND IS BEING REVIEW STILL AFTER 4 weeks and that i have to wait 30-60 days to received a paper check to my mailing address with the funds BUT THE MOST RIDICULOUS PART IS THAT THEY DONT KNOW WHEN THE ACCOUNT WILL CLOSE BACAUSE AGAIN IS STILL BEING REVIEWED AFTER ALL THOSE DAYSSSSS… I FEEL LIKE SOMEONE NEEDS TI DO SOMETHING ABOUT THIS SITUATION THIS BANK IS STRAIGHT UP A SCAMM/THIEF WITH A BUNCH OF INCOMPETENT REPRESENTATIVES THAT HANG UP THE PHONE ON YOU WHEN YOU EXPLAINING YOUR SITUATION. SHUT DOWN CITIBANK ASAP
I'm committing my loyalty back to Discover.
I was marketed a "Citigold" account and saw the "deposit x for y bonus". The 7-page or so pamphlet only mentioned Citigold and Citigold benefits as far as I can remember. I opened up the account in-person under this agreement and only then did they reveal that I now have a "Citi Priority" account and was handed a 20+ page pamphlet of all the details that actually mentions anything about Citi Priority account details.
I thought "okay Citi bait and switched me, but at least I will get the account bonus I want in 3 months from now". almost half a year passed and I did not get my account bonus after several complaints through phone, app, in-person, and email in the span of a month. Only until I filed a complaint to CFPB did they deposit my bonus THE VERY NEXT MORNING!!!
After all that BS I wanted to downgrade my Citi Priority account and was told by customer support that I never even had a Priority account and it was opened up as a basic checkings account this whole time.
Is anyone even working here?
I was drawn to Citi because I've had a credit card with them for 15 years and I know they're a legitimate bank offering a high interest rate. Unfortunately, a week within opening my account they closed my account. I had deposited $5,100 through an ACH and $850 through a money order. I never even saw the funds clear before they closed my account without notice. It's fine that they closed my account, though they also closed my credit card account which will hurt my credit score because it will harm the history of my credit (as one of my older credit accounts). However, even with all that, the real kicker is that now they're just holding my $5,950. This is my emergency fund and now I'm just without it for 30-60 days. I don't have an account anymore and I never even saw the money clear so there's no way to have any visibility on where my money even is. It's incredibly disconcerting. The fact they can just hold my money for two months without me having any visibility to it anymore is ridiculous. I feel absolutely scammed. Don't go with Citi.
Like all the other comments I was lured by the high interest on the account. I opened the account on February 25th and funded it with a $10,000 deposit via ACH transfer. after 3 days I checked and the deposit had been posted to the account so I transferred another $6,000 via ACH. The next morning i checked to see if it posted and the account was locked. I called customer support and they referred me to 844-856-8815 fraud department. The woman told me the $6,000 transfer triggered an investigation and the account was now blocked for 7-10 business days while they complete the investigation. She then said most likely the account will be recommended for closure and in that event, my funds will be returned to my mailing address via check in 30 to 60 business days. How on earth does a basic ACH transfer cause an investigation? I have a government job and an 814 credit. They now have my $16,000 locked up for 70 days. Just like you I read these reviews before opening the account and said it won't happen to me. Trust me don't do it unless you want your money held hostage for 2 months.
I opened a new Citi Accelerate Savings Account via the Citi website. Although this is a new account, I’ve been a Citibank credit card holder for 24 years, have a high credit limit, a FICO score over 800, and a spotless financial record.
The next day I funded my new savings account with a $26,000 ACH transfer from my Ally Savings account and $10,000 from my Capital One Savings account. I am the individual account holder of all of these accounts, which all have the same address, phone number and other details.
A few hours after my transfers, all traces of my savings account disappeared from the Citi customer portal, but my credit card account remained available. I immediately called customer service and was told there was a fraud alert and the account was temporarily blocked.
I called the fraud department at 1-844-856-8815. The person I spoke to couldn’t see an issue, but saw that Citi was in the process of closing my newly opened account. He told me he was escalating the issue for review.
The next day I was informed by email that, “based on a recent review of your Citi Accelerate Savings account, we found that you have violated the terms of your account per the client manual. As a result your account will be closed.”
I followed Citi’s process for creating and funding a new savings account, yet they arbitrarily closed it and are holding my $36,000. They will provide no details about how my funding of the account violated the terms of my account. In addition to holding my $36,000 hostage, I’m losing 2 months of the promised 3.85% interest - approximately $230.
I've submitted complaints to the Office of the Comptroller of the Currency at https://www.helpwithmybank.gov/ and also the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/ If you have a similar situation, please file complaints. The online complaint process is easy.
I closed a credit account with Citi a few years ago. Over the past year, I've noticed "payment corrections" in the exact amount of the payments made on the card, leading to my statement balance never changing. I didn't notice this until about a month ago, when I noticed the balance on my statement didn't reflect that I would be complete in my payments this month. There are over 12 months worth of "statement corrections".
When I've called Citi to inquire about what this was, they were unable to tell me. From the dispute department, to the accounts department, to customer service and fraud... not a single person was able to clarify these charges or explain why they were there. Even supervisors were baffled. They sent me on and endless transfer route and I still have no answers and am still being auto drafted from my bank account.
At the end of December 2022, I saw Citibank's new account promotion, "Deposit and maintain a balance of at least $75,000: $1,000 cash bonus," and decided to use it. I opened an account and transferred 75K from a Wells Fargo checking account that my husband and I are using jointly as our main checking account. When I tried to check if the money had reached the Citibank, I discovered that I couldn't log in. I called Citibank customer service and was referred to your fraud prevention department (844-856-8815 option 4). I called them, and my nightmare began.
Most of the representatives I talked to at that number had a very heavy accent. So much so that I couldn't understand half the words they were saying, but the worst part is that they didn't understand my words. I was advised that my account is marked for closure because of a "third party transaction." I tried to explain that I transferred the money from my joint account with my husband. We even pay our joint citi credit card from the same account every month for 6 years. It led nowhere.
The first representative advised me to contact Wells Fargo and reverse the transaction. I did, which turned out to be completely wrong advice because Wells Fargo determined that it was a legit transfer, not a fraudulent one, which they couldn't reverse.
I contacted the Citibank fraud prevention department again and tried to reach a supervisor. I've been promised a call in 48 hours. Nobody bothered to call.
Then I called again and was advised that I needed to go to the local branch with my husband and submit paper proof that he was my husband.
We went to the branch. The banker checked the notes on my account and discovered that a representative from the citi fraud prevention department wrote on my account that the funds were transferred from my cousin, not my husband's and my joint account. I guess, the language and cultural barrier prevented him from understanding that a husband and a wife could have different last names.
We submitted all the paperwork (our passports, marriage certificate, driver licenses, Wells Fargo checkbook with both our names, joint tax return for the last year, and our children's birth certificates) at the branch and were assured that the account will be reopened in the same magical "48 hours". 48 has passed, and nothing has changed.
As a next step, I contacted citi executive resolution team. They were eager to help, but they have absolutely no power over fraud department. They claimed that they received no documents (although I submitted them twice: in the branch and to executive resolution team) and they can’t reverse the course once they decided to close an account. I was advised to wait 90 days and expect a check in the mail sometime after that.
Then I wrote a complaint to OCC and CFPB.
It looks that this did the trick. In 2 weeks citi did send me a check for $75k.
Needless to say, nor I, not my husband will never do business with citi ever again.
Opened an account with them on Monday, Feb. 6th, 2023. They were advertising great APY rates and a bonus. I have a credit card through them and never have had any issues. They allowed me to transfer my money from my other account using Plaid's service. I have been checking each day to see if the money has been deposited. When I checked today, it said my account was blocked. I called Citi and no one could give me an answer, I kept getting transferred. The last line I was supposed to get transferred to were closed for the day. If I do not have access to MY MONEY the MINUTE I speak to them, I will be reporting them to the CFPB & FDIC. I will also be pursuing legal action.
DO NOT DO BUSINESS WITH THEM!
The 2% cash back credit card is very good, but you need their debit card in order to manually add an external account or to make an online payment from your checking account.
I was lured into transferring a large sum of money into this bank
by a 1500 bonus promotion. The banker that opened my account
in September 2022 took my address wrongly and it resulted in
my not being able to activate my account and fund the account. I
called about this multiple times, and I was told that I would be
granted a Sept 18th deadline to fund the account because of this
error. I deposited the amount on September 10th, right after the
address error was fixed and i was able to activate the account. In
January 2023, to my dismay, I noticed that the bonus had not
been paid. I called and they said that I wired the money two days
after the deadline. This is not true, as I was told that the dealine
was pushed to September 18th due to the delays that the
address error. I would have NEVER wired the money knowing
that it was past the deadline to get the bonus. Is lost a lot of
money in interest due to my placing this money in this account . I
want to get the bonus that was promised and I have the right to
because I funded the account immediately after it was possible because I funded the account immediately after it was possible
to do so. I filed a complaint with CitiBank:
Have seen some FI respond to complaints here.
Would like to see a response from Citi regarding
these mounting accusations of scams on this forum.
I parked $200K in a new checking account with CitiBank for 90 days to receive a $1.5K promotional bonus. I was told I met all the requirements by several CitiBank customer service reps over the course of 1 month while trying to collect my bonus but got nowhere. Then they opened a "Case" that was supposed to resolve the problem but I still haven't seen a dime one month after I was supposed to receive the bonus. Every time I call, I have to start from scratch, meaning they first have to verity I qualified for the bonus before looking into the matter. I don't think the customer service reps work for CitiBank. I'm going to contact the BBB.
I would not use cutí bank as a choice. Every single time, and yes I do mean every single time I try and call customer service for any kind off issue I may have with my card. They NEVER know the answer. NEVER. They need improved management. Once I called to add my card to Apple Pay as. My apple wallet said to call them to verify. So I called and they asked me to verify by my phone number. So I have them my phone number (witch was new at that moment) that is the reason I needed to add new Apple Pay to a new phone. They said I needed to give them a number that was in my name. Like in my name with that company. I told them it is under my boyfriends name. I am not main person on our phone bill he is. Okay, so they were not able to help me, any other bank has any other way to verify. Anyways they said I’d get a letter in the mail to verify with in 30 DAYS!!! So their I was at the store without a way to pay thanks to a bank who is non professional in every way!
Another time I call. I called cause my debit card for some reason does not ever let me connect to my cash app. All they have to say about that is “oh I am so sorry to hear that mam I do not see that in our system.
They never know anything about anything.
Another time I called was cause I was at Walmart trying to buy something and it sent me a msg saying call Citi bank to confirm your you and not fraud. Okay, so I called. Idk why tho cause of course they said oh we see in our system their are no alerts. So theirs another time I just had to wait it out to unlock.
Another time I called was to see about getting overdraft as I have been with them for over 3 or 4 years. All they have to say is.. oh once your with us for so long it will just automatically have overdraft. And if it doesn’t yet we’ll keep trying, as one day it will appear. Ummmm…. Okay tf?
Another time I called I was asking why my bank was over drafted if I don’t even have overdraft. They checked my account and started mentioning some of my transactions that “made it overdraft, due to no funds when I made purchase” yet the transactions they are claiming are transactions from 2 weeks ago, when my account was very positive and I did many transactions after.
If you are here cause you’re deciding rather to get this bank or not. Id defiantly suggest not, you will never get help with anything. I honestly do not know why they have a customer service line. And I’m sure many other customers will agree.
Don’t mean to rat on so much. I just had to go out of my way to write this review. And that coming from me who never writes reviews no matter how bad something is.
Like many of you I was scammed by Citibank with their checking account promotion bonus. It’s been 5 month and still waiting, I was told I would lose the bonus automatically if I closed the account, so still waiting. If you were also scammed by Citibank file a complaint with the Consumer Financial Protection Bureau (CFPB) it forces Citibank to respond at least instead of waiting in limbo. It only takes a few minutes online or by phone and it is part of the federal government.
The account was easy enough to open. We had credit card accounts already. However as soon as we transferred our money to Citi, they blocked all access to all our accounts. When we called they said the account was fraudulent and was being closed, locking up our money, and making it impossible to pay our credit cards since we couldn't access them. When we complained, all we were told was to pay on the phone and have a nice day. There was no fraud. They wouldn't answer why it was flagged as fraudulent. They hung up on us 4 times.
It took 90 days and a complaint to the Controller of the Currency to get our money back. Their customer service is the worst I've ever experienced. Stay away from Citi!
I've had an Accelerate Savings account for a few years and never had a problem. The interest is almost always the highest out of the big national banks.
I've linked the account to several others I have, and ACH transfers work just fine. I sometimes use my account to pay my Citi credit cards. I've linked to Mint and Personal Capital, it updates regularly with no issues. Citi does not charge excess transaction fees for more than 6 transfers/withdrawals in a month. I did get an ATM card for my account, but I've never needed to use it.
In November and December of 2022 I made payments to Citibank using postal money orders. Each month, they failed to record my payment in full - shorting me $1,000 TWICE.
I have contacted them via email, chat, postal mail, and by phone - all multiple times beginning in early December 2022 when I realized my first payment went missing. A few weeks later, I saw that in my December payment I was shorted a second time.
As requested by Citibank, I obtained proof of these deposited money orders and sent them to CitiBank (via the email they indicated I should send it to on their letter acknowledging my first complaint about the missing November payment) prior to their assigned deadline of December 31, 2022. It was emailed on Dec 23, 2022.
I received a letter dated December 31, 2022 stating that my claim was closed due to lack of info.
I am not *allowed* to speak with the investigations department. They tell me an investigation is pending, but I cannot get them to respond stating that they have received the proof that they have deposited these money orders.
The missing payments were sent along with other money orders (in the same envelope) that were recorded. The payment that was lost in December was sent with a note stating that there were a total of 4 payments in the envelope - yet only 3 were recorded.
I have threatened to get the Attorney General's office involved if I could not at least get confirmation that my proof has been received. I get hung up on, I get told that my payments were applied, etc. and when I ask which ones they mean, they tell me about the ones that were applied correctly, rather than the ones that went missing.
I am getting the run around, and I am DONE.
This financial institution is not being responsible with my money, they are ignoring my requests, and I do not see any other way to get their attention than to get my state's Attorney General's office involved.
I have made payments by money order for the last few years and have sent a written request for an accounting of the money order numbers that were applied and their dates of application to my account. Needless to say, this seems like a pipe dream.
STAY AWAY!!! THESE PEOPLE ARE CROOKS OF THE HIGHEST ORDER.
I have a citibank credit card. I use online banking and while paying my bill online, I notice that Citi is advertising a 3.40% savings account. I click on the apply button and nothing happens. Finally a screen pops up that my application is going under review. 10 days later I get a letter rejecting my application because they could not verify my credit report. Now, keep in mind I have an existing account in good standing with them already. They had no problem pulling a credit report for that. I tried to call numerous times because the letter said to bring in ID to a local branch to prove idenity, but there is no branch in my state. Impossible to reach a real person to get this straightened out. I finally gave up and went with a different bank.
Citi is a mess. Thier multi-factor verification system does not work with VOIP. The "secrets" seem to be immutable and live beyond account deletion. CSRs are incomprehensible and unable to resolve issues.
Worse than I ever could have imagined.
As so many others on this site, I signed up for a CITI promotion - open an account online and leave the money 90 days, earn $1500. Sounds great, but…
At the end of 90 days plus 2 months waiting period, no $1500. Customer service rep told me I had not entered the promotion code correctly (untrue) but that the promotion department could now enter it for me. Promotion department told me I can file a dispute if I can remember the code. Plus leave the money an additional 45 days (earning almost no interest) while my “dispute” is processed. No knowing whether the dispute will be decided in my favor.
Sounds like CITI has a habit of this type of scam.
Many people are being scammed by Citi Bank and actually losing money!
Turn them in. I did.
Maybe if more people turned them in something would get done about it.
Office of the Comptroller of the Currency
P.O. Box 53570
Houston, TX 77052
Website: www.occ.treas.gov
Telephone: 1-800-613-6743
Since I turned them in I finally got this......
(Copied & pasted)
CC: Office of the Comptroller of the Currency
Case #xxxxxxxxxx
Hello,
You recently reached out to the Office of the Comptroller of the Currency regarding your concern about Citi,
and we've reviewed your request.
Upon receipt of your inquiry, a review of Citibank’s records and the circumstances surrounding our decision to
close your banking relationship was completed. While we are sorry to learn of your disappointment with
Citibank’s decision in this matter, as outlined in the Citibank Client Manual for Consumer Accounts, Citibank
reserves the right to close an account at any time and for any reason, with or without cause. We apologize for
any inconvenience this may have caused.
A $xxxxxxxx refund check will be mailed to you under separate cover for your receipt in 7-10 business days. If
you do not receive this check, please contact us at the number below, Monday through Friday, between the
hours of 8:00 a.m.-5:00 p.m. (CT).
Additionally, please see the attached letter, which was sent to you on November 10, 2022, advising of the
account closure.
Thanks for your inquiry. We'd like you to know that it's important to us and we appreciate the opportunity to
respond.
Thank you,
Your Citi Executive Response Team
605-331-1698*
*For TTY: Use 711 or other Relay Service
[email protected]
Like others reviewers, I was scammed by Citi. The offer I signed up for supposedly gave a bump up in the cashback credit card percentage if you opened and maintained an Accelerate Savings and a checking account. Never happened. I have pages of notes for all the customer service phone calls and online chats I made to both their banking and credit card divisions (they apparently don't communicate with each other and just pass the buck), trying to get my bonus paid. Like another reviewer stated, often they couldn't find the details of my specific offer. When I asked for their fax or email to send the screenprint I had saved of the offer, they said they can't accept external communications. What a bunch of con artists who unfortunately got the better of me and a lot of other people.
I have a few credit cards with large limits. I have great credit. I’ve never missed a credit card payment. I was persuaded to get a Citibank card because of the cash back feature and ease of use. We intended to use this card 100% of the time for groceries, vacations etc. I recently paid a statement balance in full of $3545.12. My account was put on hold as fraudulent. My payment posted 2 weeks ago from my bank but they still have my account suspended. I was told not to make such large payments to avoid the fraud alerts. I then was told to get my limit raised as well. I tried, they said they could not because of a recent account I had opened.. that account was CITIBANK CREDIT CARD! My account is still frozen and I was told this is just what happens and to deal with. Use a different card in the meantime.. well.. I have a $20,000 limit on my Discover, it’s never been declined and the ALWAYS accept my payments happily. I guess I will do what CITIBANK says and go back to using my Discover card that is more customer friendly and dependable. I tried to file a complaint to no success so I’ll just write these bad reviews EVERYWHERE instead.
Took them two weeks to deposit after the 60 days. Better than three months. Good deal.
Closed my accounts with no explanation and no notification. I had to call THEM to find out they closed my accounts.
I cannot log in to view balances or statement. Cannot access my rewards points. They claim they will send me my funds by check in 30 - 60 days but will not allow me to see how much my funds they are holding ( it's over $80,000 )
EXTREMELY frustrated with Citibank after wasting numerous hours trying to resolve an account-link problem with an electronic bank (“Total Direct Bank” (TDB), a subsidiary of City National Bank of Florida). TDB was linked with my Citibank checking account, but I discovered today that transfers from TDB to Citibank were not executing, because TDB was mislabeled as a Savings Account, when it should be labeled as a Checking account. Citibank prohibited editing TDB to designate it as a Checking Acct., so I had to delete it. When I tried to re-link it, I discovered that Citibank will NOW only link accounts using “Plaid” (3rd Party Data Access program), and will no longer link accounts manually (using trial deposits). Citi's customer service made finding this info. EXTREMELY difficult. I filed a complaint with OCC yesterday. Can only hope it helps. Meanwhile, I CANNOT get my money to Citibank from TDB. Infuriating.
Stay Away From Citi, Especially Their "Reward" Offers.LIARES.
Citi promised to pay $300 for depositing money for 60 days. At the end of 60 days, they said it would take 90 more days to get the reward. Called yesterday when the reward didn't arrive. They said they had no record of the offer to me. I said I had an email with the offer saved. They said well "you can write us a letter appealing the decision." I said "no thanks" and closed all my accounts and will NEVER, NEVER, NEVER, deal with Citibank again. They are lying snakes or incompetent morons. Probably both.
Citi said it would pay bonus for new business account with new money. I deposited $50k, kept for 60 days, another 90 days passed I still have not received the bonus. Disputed but no response from the back office.
Citi Bank is running a scam on its customers by luring them into opening a Citi Accelerate Savings account and a Citi Checking with promises that they will reward you with $300 for the savings and $2000 for the checking. Once you put your money in they can freeze your account, say it is missing, or just plain not pay you. I deposited $30k and followed all of their rules. I waited and waited for the bonus to get deposited and spoke to 12 different people who could not speak English as they outsource their customer service. They have no Supervisor to escalate your call and run you around in circles. You will never receive the bonus. I lost out on interest and was terrified I'd lose all my money in their fraudulent scam where they outright freeze your account and lock you out stating they detected fraudulent activity on your account. I'm warning you if you have your money in Citibank get it out now. If you are considering opening an account you've been warned.
They advertise opening a checking account with them and receiving a bonus after three months. As soon as the money was transferred to Citibank, we were told the account was compromised and they close the account. Waiting for the refund check to arrive in "30-60 days" as they claimed never happened. Finally, they claimed the deposit money was disappeared and they CANNOT do anything about it. As you read the same stories shared on this forum, this is a scam. if you read these messages to prepare yourself to deposit your hard-earned money, DO NOT open a CITI Priority Checking. if you have this issue resolved for you, please let us know how.
Thanks,
Max
Opened a savings account to get additional American Airlines Miles. Posted more than the minimum, waited and the miles never arrived. Been on the phone twice now and they reps are less than helpful. Save your self a headache, find another bank.
Still waiting on promised airline miles after having more than met all required flaming hoops for promotion--initial deposit, maintaining required balance and time. Citibank does a horrifical job of ensuring their customer service reps are knowledgeable--period, let alone in their promotional offers. I can state that after multiple calls--dozens--I've lost track (no other way to contact them--other than their equally useless chat system). At least if there was a customer service email one could have a record and attach files so that nothing could be lost in translation--literally and especially dealing with their non-US based CS reps.
Have spent hours on several days just trying to get someone on phone to talk to for help. Such a nightmare, and I’m now trying to just close my account.
I too was in a dilemma of thinking that my accelerate savings account was victim to fraud. Had an account and randomly couldn’t access account overnight because requested a debit card number that was never issued to me. Called several agents and spent many hours on phone. One agent even told me my account was closed. Asked to speak with manager and she said she has no manager. Thought all was lost and would never see my money. I filed a complaint with OCC and CFPB and literally the next day a legit Citi representative called and explained the ineptitude of their company. Horrible customer service experience prior to executive rep that called about complaint. Encourage you if having issues to reach out to these agencies cuz they work for us as consumers. Next step after that would be FBI or FDIC. Good luck!
I spent an hour on the phone with customer service to resolve my issue and was basically told the computer won’t let us fix your issue. Beware of opening online accounts. Even if it is bank software issue upon opening the account, either pay a large penalty or
Just live with the problem. In my case an issue with joint ownership.
Took an hour to get someone live on the phone and then unable to resolve. Most disappointing??
I paid my Citibank credit card in full and closed the credit card account a year ago. Turns out the payment was recorded as outstanding balance and late fees. What's crazy is that this had put late payments on my credit report, and my score sank. I disputed it and then tried to pay it off to be done with them. But Citi was completely useless. My score went down 120 points because of their stupidity. Thankfully I found an online credit repair company, onlycreditbeast.com, and they got the late payments deleted within weeks, and my score has gone back up by more than 100 points already. If you are having any bad credit, or you have some negative items you need to get rid off, honestly, don't hesitate, go on onlycreditbeast.com. They'll fix it.
Never ever open Citibank accelarate savings account. They are highly un-reliable. I just had a terrible experience with Citibank accelarate savings account. Citibank seem to suck big time in every damn thing when it comes to customer service! They froze my savings account due to suspected activity when i trasnfered from my own salary accounts to Citibank savings account. I had to wait for 1 hour each time to talk to their fraud analysts for such frozen accounts and they asked me to visit a branch. But there is no branch in whole Washington state (this is ridiculus). Now they just want me to wait for 30 to 60 business days to receive the balance amount in a cheque and also return the transfers I made. This is ridiculus that I am unable to access my own savings. I had considerable amount saved there. I talked to atleast 6 different fruad analyst (1 hour + wait time every time) and they have a standard script to repeat everytime. They dont follow up if calls get dropped. They are not even allowing me to talk to their supervisors. When I googled it looks like many customers have faced similar issues. So completely stay away from Citibank offers on savings account. I have filed consumer compliants with both OCC and CFBP. Hoping to see some actions.
I have a large sum of money at Citibank and I cannot get anyone to help me. Wire transfers don't work, MFA keeps stopping it even though they say they've checked the MFA. Customer service is non-existent. I easily wired it in but cannot get it out and there is no branch within a 10 hour drive of me. Horrific service.
I made an account in hopes of warning someone else. Wish I read reviews and was not naive. Believing that Costco would not do business with crooks, I realize the Costco side is great but the other side (checkings and savings), is a nightmare.
July 16 we opened an account and were to fund it with 25k$ we had in our other bank. We figured if we would have a costco credit card with Citibank (easy to work with, no problems) we would bank all in the same spot. When we tried to fund the account from our savings account, from another bank, it showed that “the check bounced”. Well, we never wrote a check, just gave our electronic routing number and account number. Apparently you cannot fund using a savings account. This froze our account. The way to unfreeze it is to call the fraud department. Wait times are at least an hour. Usually 2 hours. When we got through they notified us the account was frozen. Kept telling us in 24-48 hours it would be unfrozen, it was a misunderstanding. Unfortunately it never was unfrozen even they told us it was. Mind you, at this point we have been calling every day for almost 2 weeks and waiting for about 2 hours every time. Finally we went into a branch. They were the ones that told us we have not funded the account. At this point, we did not want anything more to do with this bank.
Yesterday, the fraud department told us everything is unfrozen and we can now visit our local branch and close the account. Glad the nightmare was over, we visited the local branch only to have them tell us it was never unfrozen. The branch told us they would find out and tell us the next day. Today, I am on hold with the same department before visiting the branch and we are pretty sure that nothing will come of it.
Please, do not do what we did, and read the horror stories they are true. We consider ourselves blessed to have the funds not come through to this crooked bank. All we are trying to do is close the nightmare account. What about all those with money in the bank??
The call to the fraud department gives you people who are outsourced to another country and there is no one above them you can reach. Currently, the wait time says “greater than 30 minutes” after telling us it was “less than 30”.
This is unsustainable and I think they will go under.
Thanks, please dont be naive and save yourself from the nightmare
I got charged $15 when I opened a checking account with them. I transferred $5000 to the bank to meet the minimum required for a no fee account. Of course banking is not magic and it takes time for money to appear, so they said it did not get there in time and charged me a $15 service charge. What a bunch of goons. No one should use Citibank for anything.
$300 promo bonus for opening a new interest checking account was never applied. Extremely disappointing customer service experience. Was told multiple times when I called to check on status that all the requirements had been met and it could take up to 90 days for the promo to be applied. Account was opened at the end of December 2021. After 90 days had to call back again, and had an investigation opened. Never heard anything back, called back after 2 weeks, to be told I could expect the deposit to be made in 1 week. Called back, was told the investigation was never completed because the promo code was not submitted on the investigation, the customer rep then provided me with the promo code and ensured me the deposit would be made, but did not want to commit to a specific timeframe. Spoke with a supervisor today, 2 days later, and was told that if I could not provide documentation of proof of the promo they could not apply the promo bonus to my account. I explained I used a link that was on their website to open the account, which is now (6 months later) not active. I was told I should have received an email with a specific link that was tied to the promo when I opened my account, and I could use that as proof of documentation. I explained I never received an email with a link or anything that verified the promo was applied. It was outlined on the website the requirements were to open a new checking account and maintain a $15,000 balance for 60 days. I also explained I had spoken to several customer reps that verified I had met the requirements, but never received an email or anything in writing. Very disappointed, and will not be using CITIbank for my checking needs going forward. Account also required a maintained $5,000 balance, or a $15 fee is applied every month.
Please, be careful. Citi Bank leads you through different links to make mistake and they will not pay you a promised bonus. Make a print out of any offer. If you can not make a print out of an offer stay out. They will trick you.
I opened up a account in Marc/Apr and deposited about 2600 both VIA Zelle and Debit Card. In about 2 weeks I could not access the account and was told it was closed because of fraud. I then received a letter that account was closed because of fraud and any money would be returned in 60 days, I called them around 90 days and they said account was closed and has a zero balance, When I asked about the money they took a while to see what they could do and then said they regret that they can do nothing more. I asked again and they said do you know why account was closed and I said no. and then they repeated the statement and said they had to go, I am out of option so it seems they have a free 2600 like they need it.
I've had a CITI Accelerate savings account about 2 years - linked to other non-citi bank accounts. I have also been using a CITI credit card for about 10 years.
With absolutely no notification of any sort, CITI put a block on my savings account, and canceled 2 transfers I had scheduled - one of them was to pay the balance due on my citi credit card.
I logged into my account to see a message that my savings account had been "blocked". Clicking on that message shows a phone number to call ... and then it initiates a forced logoff.
After calling many different citi representatives, over many weeks, the ONLY information I keep getting over and over and over is:
1) Your account is being reviewed.
2) After being reviewed, your account may be closed. "The closure process takes 30 to 60 days".
3) "If, at the time of closure, we deem any funds as belonging to you, we will send a check by mail".
4) "Citi reserves the right to close an account at any time and for any reason, with or without cause". No reason needs to be given.
Ok ... if citi wants to close my account, I really don't care. But in the meantime, I have NO ACCESS to my money. I have already been waiting 2 months - and citi still just keeps telling me "30 to 60 days".
1) I am not allowed to see my balance online.
2) I am not allowed to see any statements online.
3) NO ONE at citi will tell me the balance.
4) NO ONE at citi will tell me if my account is still being "reviewed". If, or when, my account will be closed.
5) NO ONE at citi will tell me when their so-called "30 to 60 day" timeframe starts or ends. This is an open-ended, non-defined, ongoing timeframe.
6) NO ONE at citi will tell me by what date I will be receiving a check for my balance - or the amount it will be.
Why does it take so many months for this process of theirs to complete? How can they suddenly block all access to my money for months on end?
Money that now appears I will probably never see again, because upon doing searches for other citi complaints -(like the "Citibank Sucks!" Group on Facebook)- I now see this is very common and very typical of citi. Many other people have been put through this same mis-treatment. Most of them NEVER getting ANY of their money back!
How can this ongoing grand abuse and blatant theft of the public by CITIbank continue - with no stopping it?
Citi have refused to closed my account, I have money in my account until one day I wasn’t able to login, till date I have called several times they will keep telling me 30 to 60 days, please I need help to get my money back
But I am now. I will spare you the details, but I spent 5 hours on the phone with customer service over two days. When I say they are apathetic and dismissing that is an underestimate. I got the following responses:
This account does not exist.
You need to create another password
It is a browser problem
The account exists but it isn't mine.
All I was trying to do was to log onto their website. Awful experience. Cancelling the card! Do yourself a favor, just go somewhere else.
When I went to Beverly Hills branch of Citibank one of the bankers approached me and told me if I deposit $1,000,000 for 60 days I would receive a bonus. I forgot the reward amount - $1500 to $2500 range. I phoned the 800 number and made a claim which was denied. I then told the banker, who was extremely apologetic and said she would override the denial and resubmit under employee error.
I haven't received a dime. This all took place over the last year.
Open Citi checking account on 05/02/22 for promo offer. Funded 25k to account from four external banks via ACH transaction. Citi closed account on 05/04/22. Citi held all funds. Citi instructed me to contact external banks and have them submit a fund reversal. I was able to receive 15k but Citi will not release the remanding $10,000.05. I've called several times and Citi tells me they have no update and to call back in 48hrs for update. I'm told the same thing on all follow up calls. last follow up call was 06/10/2022. I filed a consumer complaint with OCC. (Office of
the Comptroller of the Currency)
Bad experience with the new checking account promotion. They denied me by made up reasons. There is no way to upload supporting documents, or email them. They just won't give you promotion. After I opened a case with cfpb. They finally give me the promotion I deserved. I spend 5 months and opened 4 cases with Citibank. Never bank with this bank again.
They have excellent products/services (high APY savings, good credit card). The Website is okay, offers some nice features. Not hard to use.
But the customer service is like comically bad, like can't do the simplest thing bad.
You'll sometimes be outsourced, so there's language barrier. Then, the agents don't know basic banking stuff/haven't been trained (for example my wife was talking to one, and the agent was so unsure about something she asked, that the agent started asking my wife banking questions).
Worse, you'll call, have them set up something for you--and it'll just never happen. You'll call back, and they'll say something like "oh yeah, sorry we need to send/do that" etc. It's like shockingly bad.
I opened up a Citi checking account because of a special offer I got because I have a Citi card. It has been a nightmare. I kept getting an error when I tried to fund the account from my external (non-citi bank). After 4 hours and 22 minutes on hold (three separate calls), I was transferred to tech support. They got me to a different interface and had me connect my account and make the $10,000 transfer.
Today, I go in and the transfer is not showing - nothing. Even the linked bank account is gone. I check my non-citi bank and the $10,000 has come out. I call Citi and they say they have no record of the transfer. I give them the tracing number and the item number from the email sent from Citi verifying the transfer.
Their response - "We should be seeing it, but we are not. Just wait 1-2 days and it should show up in your account." REALLY!!! This is $10,000 that they have absolutely no record of me transferring to their system. They cannot look it up using the item number from the email that was generated from THEIR system!
This is total fraud.
Beware if you choose to get a checking or savings account with Citi.
Very disappointed in the service I received from Citi. I am a Citi Double Cash card holder. I recently contracted covid while abroad in France which resulted in my having to quarantine in my hotel. I had to cancel a train ride that was planned while I had covid. The train company refused to refund me for a $500 ticket. I thought for sure citi would have my back. I sent in my dispute with proof of my covid results and everything. They refused the dispute citing the merchant was non refundable... Incredibly disappointing that citi wouldn't protect their customers from something they cannot use when they are suffering from COVID.
Tried to open an account online. Kept getting an error message saying they were having technical trouble and to call the Cusstomer Support number. They tell me I have to already have an account to open a CD. I've opened several CDs with several other banks in the last six months. This is the first time I have been told I need to already be a customer to open an account. Basically they are saying "we don't want your money."
I deposited a cashier's check on 11/21 and that very day they closed y account. It's been 5 months going on 6 months and still haven't gotten my money. There excuses are we've been investigating but they can't give e any answers as to where my money is but they've been saying you will be getting your money sent to you in 60 business days. Now my business is spiraling downward every since. I WILL TELL ANYONE STAY AWAY FOR THESE MONEY ROBBERS THEY DO NOT HAVE YOUR BEST INTEREST ST HEART now I'm still waiting for my money when phone these assholes they tell me what I already know that my account is closed and I can't give any further information and rudely hang up. So if this how they conduct business don't see how they are in business. So please if value your respect and self worth DO NOT OPEN AN ACCOUNT WITH THIS BANK. I thought they were a nice bank wish I would've seen these reviews before I put my money in this bank. So please people beware of where you put your money make sure it's not with this bank
I wrote a check to my citi account from my other bank and mailed to citi bank. It was never cleared and I was told they never got the check and it was lost in the mail. The customer service agents were not trust worthy and I was pissed so I decided to close my bank account with Citi. The "lost" check magically showed up and cashed out from my Chase bank the next week and the deposit date was the date I closed the account. I kept requesting Citi bank send my money back for q week now and citi is telling me they could not deposit the check to a closed account, and the check was not processed successfully. I went to the Chase branch and Chase printed me all the approval document that money was cleared and went to Citi. However, Citi insisted they did not get the money. I think they would like to hold the money for the max time as possible. It is a very shady company. I filed a claim with comptroller of currency against them.
I opened a priority checking account in November 2021. Transfer $10,000 dollars from my own another bank account. Then Citi just blocked my account. They said they will review my account and closed it in 60 days. Then they will issue me a check to refund the money. But after 60 days, they say they can't verify the money and won't refund. This is crime! This is illegal! Why nobody, no regulation agaist them?
This bank is helping to cause financial crisis for many individuals and their hard-earned money. They lie and steal. I was with this ill reputed place for 16 years and then fraud hit my account and this is where everything went crazy. Around 22 February this year, someone hacked my checking account. The account was closed and then Citibank sent me a cashiers check that was no good. I tried to cash the check several times and it declined. I tried to mobile deposit it to my other checking account I have with them and was told I could not do a mobile deposit for 90 days with a new account. I was then told I need to deposit this at an ATM or mail the check back for deposit. Why would I need to mail a check back for deposit that they had just mailed me? This is a%#^ backwards and then I suspected it was a scam on their behalf. I have notified them about this and only get more lies.’Finally I tried to go ahead and deposit this in a local bank account and it was immediately placed on hold for 7 days. The branch manager finally told me this was a blank check with no funds on it and it will be returned to Citibank.
Customer service is nonexistent, they place you on hold, and hang the phone up on you. Each time you speak to a different person, you get a different lie.They need to shut this place down as it is ranked the worst bank in U.S. This is disgusting as they continue to steal consumers' money.. These are White Collar Criminals and they need to go to jail!!
Citibank Is The Worst Bank Ever. Help Me Spread The Word On How Bad Citibank Is To Their Customers. Share This YouTube Video With Everyone You Know https://youtu.be/IZ82GaX1A9A I Have Actual Phone Conversations With Citibank Reps Lying. I Really Believe Citibank Is Committing White-Collar Crimes Against Their Customers. Citibank Has Locked Me Out Of My Priority Checking Account For Over Three Months Now Totaling Over $100,000.00. Help Me Protect Other People From These Corporate Thugs. Share This Video With Everyone.
They wait ones until my tax refund hit my account to close my account! When asked why they were rude hung up on me everytime I called! Then said it's because of fraud. They are bd bs! Saying I'll have my money in a check in 60 days!! I'm calling everyday until I get what's mine!
One year ago--Transfer 100,000 in. Today tried to withdraw and told only 10,000 at a time. Will take months. Will file complaint with banking regulators but probably on payroll per Washington. Stay away from Citibank.
I opened an accelerate savings account with Citi recently for the good APY and welcome bonus. When I think of a savings account, I expect to be able to access my money quickly if necessary. I have since found out that is not the case with this Citi account. They limit transfers back out of the account to $10,000 daily / $15,000 max per month. However, it has been several days since my initial $10,000 money transfer and their online functionality is not allowing me to transfer the balance $5,000. Customer service was extremely unhelpful and said there was nothing they could do. Not to mention that to now move back out all the money in the account to my local bank would take months and months if the system was working. My only other option is a wire transfer which has a fee. Not a fan of having to pay a fee to access my own money. Needless to say I will be paying the wire transfer fee to get my money out of this account and taking it elsewhere where I can access it when I need it.
As other have stated do not use Citi for savings accounts, especially if you need the money quickly.
I tried to transfer $35,000 out of my account online and Citi would not let me. After trying several amounts I was "allowed" to access $10,000 of MY money to transfer to my external checking. 3 days later they canceled it stating it was over the limit. Apparently they limit you to $5,000 per day/$15,000 per month for external transfers. If you are saving for something big or need more than that do not expect Citi to give you access to your money to use it. Neither Am Ex nor Capital One impose these limits.
Spent 45 minutes on the phone trying to close my account at which point the rep argued with me, told me I could do a wire ($50,000 limit, $75 to execute) which I said no to and I could barely understand him at all. He refused to provide a confirmation number for my closure. Will not transfer to my other account and instead I have to wait 3 weeks for a check for $280,000. I lost out on what I was trying to buy because I could not get to MY money that I saved in a timely fashion.
They do not understand it is not THEIR money. Horrid for savings.
It is extremely difficult to move money OUT of a Citi savings account to another institution. Save yourself a lot of headache and wasted time on the phone with unhelpful customer service reps and go with another online bank like American Express. That being said, I have two credit cards with Citi and have never had any problems with them. But I will NEVER EVER EVER open another savings or checking account with Citi. EVER.
I cannot overstate how challenging and aggravating Citibank has been to work with. IF YOU ARE CONSIDERING CITIGOLD, STAY AWAY!
I joined in July 2021 on account of an attractive Citigold incentive bonus. Despite numerous efforts on my part to fund the account within the 30 day window required for the incentive, it took 34 days to resolve issues and get it funded. I called several times to query whether I would remain eligible for the promotion, and everyone I talked to assured me I would.
6 months and over 10 hours on the phone later, I have been repeatedly misled that "this would be resolved soon" until finally being told there was "nothing they could do about it." I would have far preferred honesty in the first 1-2 months so as to be able to reallocate my time and resources.
The combination of dishonesty and incompetence has been, at least from my personal experience with large organizations, unprecedented.
I offer this review with hopes that my time-wasting, capital-wasting experience can protect others from the same outcome. BANK WITH ANYONE BUT CITI!
The Citibank card is used with my Costco membership. Costco needs to disassociate themselves with the Citi. I wanted to transfer a sizeable amount of money out to another financial institution. Come to find out there was a daily limit of $10,000 and a monthly limit of $15,000. Based on this it would take many months to make the transfer. They will not let me have access to MY money. This seems illegal! This is what they call a Citi Accelerate Savings account. It is not a CD or other account where money needs to be kept there, Customer service says that is their policy. I explained if money is deposited in a bank the owner has access to their own money...it is not theirs.
I have a very bad experiance with Citibank and do not recommend their services. We opened up a new account with Citibank and transferred funds from another bank to cover our checks. Without any reason or any explanation Citibank blocked our account. They said that they will return our money within 60 days. Meanwile they are using my money but how we supposed to pay our bills? Is this the right way to treat customers?
I have had to spend over 6 hours with customer service just to get my $50,000 back out of this bank. Still trying but it seems like putting money in is easy getting your money back is impossible. DO NOT USE THIS BAD BANK.
Worst banking experience I've ever had. An unexpected and uncommunicated change to their "security policy" leaves me locked out of my accounts and unable to access my money until they send me a card in the mail that I have to activate! If I wanted activated cards to access my money laying around, I would ask for one. There are other banks that have the same savings rate. Pick another bank that won't force their ridiculous changes or poor communication and abysmal customer service. I'll be closing my account as soon as I can actually access it.
60-90 days to return 2k that was sent to help save me after being scammed 2 months ago. claimed to call me, didn't even lock account 24 hours before taking extreme measures. offered to drive 6 hours to the nearest branch with ID to get the money I needed weeks ago. It seems they may be a hub for internet scams, beware
Got this card as an executive member at Costco. I love Costco but this Partnership needs to end. Citi is an UnAmerican as it gets. Wouldn’t credit my account for two weeks after a payment x4 has been made and deducted. My only guess is that they live off interest. Horrible customer serves. No one can do anything without a hassle. Worst waste of time and money ever. Don’t do business with these losers or you will be one.
...two, actually. Because 2% cash back, unlimited, on all purchases, with no categories to keep track of and no real hoops to jump through, is as good a deal as you will find anywhere. The only thing I would ding them on is that they haven't always taken my side in disputes with merchants. I VERY rarely have a dispute with a merchant, but when I do, it's legit, and I expect my credit card company to at lest be neutral and side with who's right.
Any negative word you can think of, will describe this awful bank and experience. They really need to go out of business at this point. Do not change your phone number. Don’t try to purchase anything online that costs a large amount. They will find every little reason to lock your card and put your entire account under review over a phone number change. I understand security measures and fraud prevention at banks, but Citibank goes way beyond with their security that it’s an inconvenience to use the account. You’ll never know when your card or account may be locked..cause they won’t notify you. And they may send you a letter which you will have no access to your account until you receive a letter 7 days later. They have POOR customer service, and will talk over you and hang up on you.They act like they can’t comprehend, and the representatives have nasty attitudes.I swear I hate this bank! If I can give them NEGATIVE 1 million thumbs down emojis, that would be there rating. They don’t deserve 1 star.. Garbage ass bank
Citi Bank itself offers a good service. Average fees and no general problems. The real issue are the branches, at least here in NYC. They're way too busy and I don't have much time on my hands. Gotta get in and out
Lets start of with a general review on their service -
Customer service - One of the worst. The workers I've experienced just weren't nice or helpful, and gave me so much attitude.
Their app is pretty good, but again, if you run into an issue, you'll need customer service which sucks.
The reason I switched from this bank is because I found out that Citi invests millions of dollars into fossil fuels, which destroys our planets climate. They're using our money for these dirty investments, and we don't even know it! Just recently I found an article on all these big banks using our money for dirty investments.
I have opened a Citi priority account on 08/02/21 and maintained a balance well over 10K. I successfully linked my Citibank account with my mortgage company before 08/15. On 08/28, I made my mortgage payments as ACH payment from my Citibank account. Citi bank returned the ACH withdrawals without paying them, though I have 3 times more money in the account. Never notified me via phone, email or snail mail. They claims that my account on under 'review' at the time the ACH debit came in. Never explain why; never notified me either. When I tried to login to Citi bank online, my password is not working. I called c/s and after about 45 minutes on the call, they say all holds are removed (still doesn't say what was the hold for). Never told me the ACH debits were returned unpaid. After ten days, when I was notified by me mortgage company about this and charged me 'return NSF fee', I called citi bank and talked with one Angela, who keep on saying 'I understand, your account was under review'. What does that mean to me. I had available balance well over the ACH. I have opened my account giving them SS card, driver license and Citi credit card since 1990. Still they return the payment and cause me to pay 'return charges, late charges' on my mortgage payment. She hung-up on me when I asked what sort of service is this and who is responsible for my cost in this problem.
WORST EXPERIENCE IN MY 32 YEAR BANKING EXPERIENCE.
CitiBank does not allow ACH transfers out. They allow them into their bank, but not out. I setup a Citi Accelerated Savings account online. What a mistake. I am going to need to wire the money out to regain access, assuming they allow that. What a bunch of crooks.
I always paid on time and paid over my minimum. I paid the card off in full $5000 and a day later they reduced my credit to $100. My credit and income are the same, no derogatory marks. They are cutting card holders due to Covid and predictions of a recession. They could care less about your credit, or payment history. It is all about greed and Citibank is the bottom of the barrel. I have other cards so, oh well but, it is the principle. Sleazy....
Please look at the real reviews, not the paid shills. Citibank right now how the worst reputation among lenders.
I had a checking‘s in savings account open earlier this week I called so they can close both of the accounts completely. I had a balance of $2.24 in my checking‘s account while my savings was saying account closed via the app. I finally ended up withdrawing the $2.24 within the same week from my checking account. That same moment I see my savings account reopen and I was thinking it was just a glitch. Next day I see a balance of -$24.99 on my savings account and I only use to transfer money, never to make any purchases. I called customer service and their incompetence completely ruins any recommendation I have for the stupid foolish bank because I don’t know where I got it interest of one penny they have charge my account. They reopen my account and and charge me for a monthly service of $25 but before I got the stupid interest payment of a stupid penny my account was already closed so why in the world would they reopen my account just to take money from me stealing scamming this bank is for the fools who don’t notice their money is missing.
I have had the credit card for years, and I received an email to open a checking account for the bonus. I bit. Big mistake. No bonus is worth this much hassle. I will not bore you with all the details, but I have wasted a ton of time on the phone calling a variety of numbers and departments in an endless, futile quest to get the checking account opened. It's still locked as of now, meaning I cannot fund it or get online access. Their current claim is that they cannot verify my social security number and that I I must fax them a copy of my social security card. After reading the reviews here, I am going to abandon this effort. I feel lucky I have not put any money in yet.
Today I went to transfer and withdraw money from my newly 5 week checking account only to be denied access to ALL of my accounts. Not only was my online account deemed inactive but I couldn’t transfer money, or use the ATM to withdraw money. I never received any notification, phone call, or email stating they were going to put my account under review. The review is because of a $13,000 deposit that Citibank finds suspicious. ITS MY PPP LOAN!! What is suspicious about a loan deposit. I own a business, it’s a simple google search with my EIN number and name or how about calling the state licensing division to confirm this.
What is my money any of your concern, I could understand if it was over $50,000 but it’s peanuts compared to what I could deposit in my Real Estate bussiness. Will this happen every time I sell a property or vise versus withdraw money??? Blows my mind how the fraud department withholds my money without even notifying me, leaving me with limited funds for god knows how ling!!! Your not the IRS, and even the IRS notifies you when your money is being froze. Complete NEGLIGENCE!!
It gets worse!! I thought not having access to any of my funds, nor having any idea what’s going on and when I can access my accounts, but NO WAY!! So, I do something so expected and I call Citibank customer service like I was advised to at the ATM. But the reps must have all forgot there side notes and most importantly their notebooks of scripted responses with them that day.
They hadn’t a clue on how to handle my questions, completely making no sense of the matter at all, a couple of reps even lying and getting caught in their own lies, best off their phones were static and they were totally incoherent as if they were going through a wind tunnel on a cell phone.
I literally called 14 times in a matter of a 4 hour span, and I’m not exaggerating that 13 out of 14 representatives hung up on me either quickly talking over me and saying “call back another time bye” or bluntly said “hold on” and hung up after waiting 10-15 minutes to speak to someone every time. My frustration mixed with anger had my blood boiling. I wanted to jump through the phone and rip off every metal and aluminum limb that these robots they call representatives are made of. That’s all these reps are...paid robots with a small script in front of a them with a list of maybe 5 troubleshooting techniques that help NO-ONE!!
Im 100% getting this resolved, then withdrawing every dollar in my account and never looking back at this circus disguised as a bank!!!!!
One last thing BEWARE....Citibank’s security measures invite fraud and criminals to enjoy a plate of all of our accounts. In order to gain access into ANYONES account all that is needed is a text message to any phone that is capable of receiving a text verification code, any phone doesn’t have to be yours on file. Not a social security number or secret password or security questions. Just have a name and a cellphone for a text verification and BAM your in anyone’s account!! Thank you Citibank for being the biggest regret of my financial decision making ever in my life!!
If I could register stars going into the negative spectrum, I’d probably end up with in the infinity realm; everything is lousy about this bank, from the rates, lack of promotions, and overall horrific customer service ..... truly a dreadful bank.
I, too, have a similar horrible experience with Citi Priority.
I lived in Spain when I opened Citi Priority last year. Citi took my money and opened my account, then closed it a few weeks later and sent me to New Account Fraud. I sent in my US passport and my utility bill as requested by Citi New Account Fraud but my utility bill was declined because Citi said they need to see utility bills in the US. After several frustrating phone calls, emails and texts, Citi admitted in their text to me that they violate Patriot Act by failing to verify that I had a US address before allowing me to open an account. I asked Citi since it was Citi's fault, how will Citi correct the situation and return my money. I never heard back from Citi.
That was six months ago. We are now in May 2021 and I have moved back to the US since March 2021 and Citi still has my money.
I came across this post while researching for my article that I am writing for a financial blog. While I am glad I am not the only one, it is frustrating to see that one of the biggest banks in the US is getting away with this. It makes me wonder how many thousands of dollars Citi is keeping
In the Covid time, people are facing difficulties, I can't believe that this scam by Citi has not caught by the major news like what happened to Well Fargo. As of today May 16, 2021, there were 179 comments, 88 gave Citi one star, so if I assume that these 88 people have a $20k average balance, which means Citi is keeping $1.76 millions of dollars!
What can we do about this? Is anyone interested in sending an article to a major financial news site? Does anyone have a connection to a major financial news site that may be interested in investigating Citi practice? I am going to write but I think the more people come together, the better. Contact me if interested. Who knows, this scam could be bigger than Well Fargo!
We deposited money into the citi miles ahead savings account. We have been trying to get the miles promised us for months. We have never received a reply. Avoid this dishonest company at all costs
NEVER have I experienced a total fraud from Citibank until I opened a Priority Savings and checking with deposits in excess of $50,000 in August of 2020. Citibank promises a $700 bonus meeting necessary requirements. After calling for six months and being told by several of their customer service people that the $700 would come on recorded phone calls, the bank sent me a form letter, saying "Unfortunately, we are not aware of any promotions offered in conjunction with the opening of your account" I was given a CODE to the account when it was opened and they are DENYING any further claims!!! These phone calls are recorded, however, they pass you off with no follow up. I have names, dates, codes, faxed documentation supporting my claim!!! I will continue to escalate until this matter is heard and resolved properly! I will support anyone else that has had similar experience. What a disgrace Citibank handling a PRIORITY CUSTOMER with a credit card account of over 20+ years... THIS IS FRAUD!!!
UPDATE... Citibank has locked me out of accessing my accounts on line mobile and laptop!!!
UPDATE Miracle... Better Business Bureau comes to my rescue and on April 26, 2021 my check for $700 was overnighted to my home by Citibank. End of story.
I opened a citi priority checking account recently. After receiving the check books and debit card, I did not receive the PIN. I tried various citi customer service phone numbers, to see how to get the PIN, but ended up in an infinite loop of the voice assistance system.
What's the point of having a customer service phone number if one cannot talk to a real customer service representative?
I was given money through zelle different amount then later I was notified that my account has been closed,okay a letter was then sent to me,which stated a check would be mailed to me within 60days and I have been waiting its almost the complete days which is less than 23 days remaining and I really need the money to sort things out they should mail me my check so I could move on with life
Citi bank should mail me my check,is it a crime to bank with you guys,its not a big deal to mail my check to me,I'm really tired of all this and why are they acting this way
I opened an account few months ago. I am trying to buy a property and need my money but they have a limit on transferring money and charge every time you wire. I have many other accounts but have had no experience as such. Their customer service are bunch of bimbos who have no clue of what their web site is all about either. They just send you round and round. They have no branches and no knowledgeable customer care online. I would stay away from them as far as I can once I manage to get my money back. They should not be allowed to do any business in US.
I will NEVER use another Citi banking account or credit card again after the experience I've been having. I deposited 4K in my account and now I cannot pay bills or transfer money. EVERYTHING I try to do is blocked and has been every single time I try to do something new. This has been going on for 3 months.
STAY AWAY.
Absolutely the worst experience I have ever had with a bank. After getting approved for a card. Three months ago I did not receive it after 2 weeks. I called to have it reissued. the woman I spoke with was great and offered to have it expedited. I waited another 1.5 weeks for a new card. These things happen so I wasn't too bothered. Then it really got difficult. I made about 3 purchases totaling no more than $600. Groceries, stuff like that. After about a week it started getting declined. I called customer service and they could not figure out a way to verify the card was mine. Not using my telephone number (the only one I have had and used for over ten years) and not using my security word. They then asked that I give them the phone number of a relative with the same last name that they could call to give instructions to reset my account. This is to me a bizarre measure that does not make me feel more secure in any way. And unfortunately, I don't have a relative with the same last name I trust to do this. Only at this point did the agent tell me WHY my card had even been declined - suspicious activity. Could I verify if for her? No. Not until I verified myself. Could I just pay off and close the stupid card? Not until I verified myself. Last option was for them to send a verification letter by mail (in a pandemic with notoriously slow mail times). I waited over another 2 weeks and did not receive a letter. I called again. Same drill. At this point I can't get into my online account to pay my bill and my due date is coming up. I ask if I will be charged late fees if I don't get it in time. Yes, they say. So they send another letter. I waited another 2 weeks. I finally received the letter today and called to verify my account. The automated answering system hung up on me 4 times after waiting on hold a total of 20 minutes. Finally I got through to a human being. After verifying the account I made the mistake of asking the agent why this happened and how I could prevent it from happening again. She "explains" that the "system" flags any activity outside of a normal spending pattern. I ask how it can establish such a pattern after 3 purchases. She tells my that this is my problem and it's not enough to establish a pattern. "How can I do this?," I ask; fewer, smaller purchases to start, for example? "Establish a pattern" she says again. At this point I can see where aren't getting anywhere so I hang up to promptly pay off my balance so I can cancel this lousy card. Evert part of the process was painful and everyone I spoke with - with 1 exception - was clearly an underpaid minion who did not give a crap. Was not able to communicate by email or chat until I verified myself; return to square one. Even Bank of America has better customer service, and that's saying something. With any luck and several more hours of phone calls maybe I can have my account closed in another 3 months. Nothing is worth this hassle.
I hold both a checking & business account with Citibank for many years so please read. Time to jump ship to new online banks. There are many online banks now that will handle your money much better. These physical banking locations are staying alive with fees and good gesture gimmicks to keep you. Two things, no way to access PPP loan information as a business account holder and a promise to waive service fees across all accounts was also false.
How and why??
Citibank has plummeted with genuine customer care since COVID-19. Many companies sent a COVID-19 customer concern letter when the pandemic started. Citibank did as well, a veiled COVID-19 email was sent regarding waiving monthly service fees. They didn’t automatically wave it, guess what, you had to call them EVERY month to get it waived.
As a small business account holder, they also made it extremely difficult to get a PPP loan during a pandemic. Their physical banks turned me away as a business account holder and mentioned everyone has to call for that loan. And when you call, they mentioned only certain people were emailed for the PPP loan. Like many other people, they went to other banking institutions for that loan and NOT their own personal bank.
Their customer service has turned into the Comcast of banking- loops, hoops and gimmicks.
NIGHTMARE to deal with.... They decided they would no longer service my account in 10/2020..... they have held my money hostage. Every deadline they give, they blow past that deadline. “ your account will be closed in 30-60 days.... 80 days later account finally closed. Despite closure in 12/2020 still don’t have my 50,000 back. Filed complaint with CFPB and in that response on 2/5/2021 they said “you should receive money in 5-7 days”.... still no money 10 business days later. Waiting almost 5 months to get my money back during a pandemic when they are the ones that closed my account is Infuriating!! Going to file another complaint. Wouldn’t wish Citibank high yield savings account on my worst enemy
Their policy of bait and drop the rate trapped me for a week. I bailed and will never be back.
Way better options are Customers, First Foundation, Merchants and Paramount.
Citibank has been ripping off their account holders for years and in recent times, more and more otherwise good customers have reported Citibank freezing or locking their account access for invalid reasons. Citibank will leave many accounts open but locked in order to rip off the customer. Many times Citibank is in violation of federal laws, including consumer protection laws and many customers are now choosing to file complaints with appropriate agencies as well file lawsuits for damages. Citibank is large and many people that currently defend Citibank find themselves the victim suddenly without warning! I strongly encourage using financial institutions that don’t have such unscrupulous histories and further encourage anyone being violated by Citibank to take legal action, including filing complaints with both state and federal agencies.
I opened a MIles Ahead Savings account, and as many others have posted, saw the interest rate drop almost instantly. That can happen, I understand that. My main gripe is that Citi makes it difficult for you to transfer your money out, and close your account. I merely wanted to transfer my balance from this account to my already verified/set up external bank account, and since I did need the money quickly, had to do it by wire transfer for a $25 cost (fortunately my receiving bank does not charge for incoming wire transfers). I feel a bit silly having to "pay" to get my own money but what's done is done. I also find the customer service help to be borderline useless, the woman quoted me a $15 wire transfer fee but in reality it was $25. Beware if you are considering them for your banking needs.