Citibank Reviews 1,069

The online portal is garbage, its almost like they dont want you to pay your bill. I've resorted to 6 minute automated phone calls because its easier then resetting password (dont have this problem anywhere else) and not saving my payment options, the 6 minute phone call is actually the quickest method

Have had perfect payment history, never, not once, late. All of a sudden they are reducing my credit limit! Very rude of them and extremely frustrating. I can’t wait to close my accounts!

Citibank closed my account on February 18, 2026 after receiving legitimate real estate proceeds from the sale of my home. The funds were verified and are not in dispute.

On March 24, 2026, Citibank removed $139,310.35 from my account for the purpose of issuing a check to me. I was informed the check would be issued within 30–60 days.

The 60-day period expired on April 27, 2026. As of today, the check has not been issued or mailed. Citibank representatives confirmed there is no record of the check being sent and have not provided a clear timeline.

I have filed complaints with the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency. Despite this, my funds remain withheld without justification.

The funds belong to me, are confirmed, and no valid reason for delay has been provided. This delay is causing financial hardship due to lack of access to my funds.

If I could give Citibank negative stars I would. I opened a credit card to do a balance transfer. They ended up canceling it after I paid it off. I called customer service because I had an alert on my app and they basically froze my account with no explanation. They said I gave them a wrong phone number and wouldn’t help me any further until I received a letter they were going to send me in the mail in 7-10 days!!! In the mean time they took my pay off so I’m owed $5100!!!! They are horrible and as soon as this is fixed I’m cancelling my card and never dealing with them again!!!!!

Horrible service. I got this card for a balance transfer cause that have a promotional rate it’s been 3 weeks it’s still pending….. I have contact the chat live service 2 times they say hello an never speak again so you account gets logged off and you not able to see the previous chat and find out what they said or leave a review if your problem was resolved

I relied on Citibank’s own representative—and they still refused to honor their commitment.

In March 2026, I contacted Citibank to confirm when my cashback rewards would be paid on my Citi Double Cash card. I was explicitly told the rewards would be issued when my statement closed on April 23, 2026.

Based on that representation, I continued using the card normally and did not redeem early. I accumulated $2,759.57 in purchases, earning $55.19 in cashback.

Before the statement even closed, Citibank abruptly shut down my account with no warning. Then they refused to pay the $55.19 in cashback that had already been earned.

Let’s be clear:
• These rewards were earned from completed transactions while the account was open
• I relied on Citibank’s own guidance about when rewards would be paid

This is not a misunderstanding—it’s a failure to honor their own terms and representations. Closing an account should not allow a bank to retroactively confiscate value that was already earned.

The amount isn’t the point. The issue is the principle: if a bank can tell you one thing, induce you to act on it, and then reverse course without accountability, that’s a serious trust problem.

I’ve filed complaints with regulators and will continue to escalate until this is resolved.

Consumers should be very cautious—what Citibank tells you may not be what they actually honor.

I responded to an offer on American Airlines app for a Citi AAdvantage card, $400 cash and 50,000 bonus miles. Once I received the card, I was told by Citi card this was not the offer. Rep was also very difficult to understand. No cash and 20,000 less miles. I only applied because of the offer. Card canceled.

I tried to take advantage of their Citibank's 17 month 0% balance transfer offer. It was immediately approved and the new card issued. Subsequently, two separate agents confirmed that the money would be pulled from my existing c.c. and applied to the new card no later than 4/28. On 4/28, when I did not see the transaction had occurred, I contacted Citibank. I was then told it would not happen until at least the first week of May. Insofar as this would have meant I'd have to make a partial payment against the old card and incur a substantial interest charge, I cancelled both the balance transfer transaction and the new card Citi had issued. I have one outstanding card with Citi which I also intend to cancel in the next month. I'm done with companies who can't communicate accurate information. This whole fiasco wasted a huge amount of my time and forced me to outlay money I was hoping to defer through the 17 month offer.

Multiple customers are experiencing significant problems with the Citi Advantage card when making travel plans. I tried to plan two Bruno Mars Concerts that fell through 3/4/26 and 4/19/26 respectively. This Citi AAdvantage Card has had multiple fraud alerts impacting payment for my travel plans. I phoned Citi’s fraud department and said the charges in questions were legitimate and I still had problems when I tried to make the purchases again. The one Citi worker suspended my card for no legitimate reason, while a second worker sympathetically reinstated it the same day.
In addition to paying all my Citi bills, I pay my credit card early. Currently, Citi is not allowing me to spend more than $21.43 for the next week as they put another limit on my card even though I paid the entire bill as reflected on my last statement. Unfortunately, I found this out when my card was declined for a small purchase 4/25/26. American Airlines needs to partner with a company that has more sophisticated fraud software. Citi Customer Service told me they are worried about risk. What risk does Citi even have when they receive all their payments early? I’m the one at risk because I booked a $1,400+ flight that was non-refundable with cash since the Citi AAdvantage Card selectively blocked payment for part of each of these two trips. I wasted hours of time planning these trips when there was no fraud.

Never get a credit card through Citibank they are one of those horrible companies thatvdecrease your credit even with on time payments horrible treatment to their loyal customers

I had a highly concerning experience with Citibank involving the prolonged withholding of my funds following account closure.

Despite providing sufficient documentation to verify my identity and ownership, my funds remained unresolved for an extended period without clear explanation or a defined timeline. Communication was inconsistent, and I was repeatedly required to follow up without receiving substantive updates.

The matter only progressed after escalation through formal complaints with the Consumer Financial Protection Bureau (CFPB) and the Office of the Comptroller of the Currency (OCC).

While the funds were ultimately returned, the process raises serious concerns about Citibank’s handling of verified customer funds, internal communication practices, and reliance on external escalation to reach resolution.

Customers should not be required to involve regulatory agencies to access their own funds or receive clear answers.

I strongly encourage Citibank to review and improve its procedures to ensure timely resolution, transparency, and accountability in similar cases.

Citi Bank was my favorite credit card company until today. My spouse of 30 years just died. My bank, US Bank froze all my accounts when they were notified of his death, even though all accounts are joint. My payment to Citibank was returned. I made 2 additional payments since then for a total of $2000. Today’s paymnet of $1000 was placed on hold for 7 days. My account is not over the credit limit but my Citicard denies all charges until the hold is removed. Was at a store today and had to cancel transaction. How embarrassing. I called Citibank and they explained why as the reasons stated above. I explained that I was a customer for almost 50 years and never a payment missed. They explained that there was nothing they could do to help me. My loyalty and excellent meant nothing. They would treat there worse customer the same as me. How shameful. Citibank has lost there ability to give good customer service. They will not help you and give you any credit for being a solid customer. A world without exceptions is no world at all. Citibank has developed its policies and will not put any humanity in their decisions period. Citibank has turned into another company who has lost its ability to benefit the community in which it serves. I feel like I have been labeled a criminal, due to no fault of my own. Citibanks, feet in the sand, approach to helping customers is sickening. I will not recommend Citibank no longer. They are just another company consumed with their bottom line and do not give a damn doing what is right Citibank, I feel so stupid, for give you my trust and loyalty. Shame on me for that and shame on you, for giving me the reason to write this review.

It is easy to see by the reviews why Citibank is the worst place to put your money or trust. My credit card was lost on April 2nd and today April 21st I am still not any closer to getting my card replaced. I have had multiple conversations with people who are impossible to understand and made several attempts online to request a card without success. The customer service is terrible.

If I could do a review with zero stars, I would. The manager of the branch in Boca Raton, Florida that I go to is absolutely horrible and so is your predecessor. She would not check on anything in regards to an automatic payment that had been set up on my account and wasn’t being received by the company. After I spent hours with her, trying to get it corrected and even went back and returned some paperwork to the bank, and to her that had been sent to me there was still a mistake on the payment that I called Customer Service and spoke to a woman named charm, and she promised to give me a credit for my security deposit box for all of the horrible service I’ve been provided. The bank manager actually never showed up for an appointment. I had made a week before, and it was supposed to be via telephone I had to go in person to the bank to even find her. I never received the credit back to my account for the safety deposit box and I never received any help. This is the worst bank ever. I am so sorry I ever had an account there!!!! will be closing it ASAP

Hard to get in touch with customer service and when you do they barely speak English. Citi blocks accounts for no reason and refuse to help. Do not recommend.

Having to wait for 30 minutes is not customer support It tells me customer service is a fraud. I would advise any other bank is better.

Even one star is too much for this
I was told that too much fraud activity on my account and I have to close it and open new one. They put block on my account. So I went to one branch in north Virginia and they closed the account and open new one. And then I was told I won’t be able to get a temporary card because they are doing some renovation and the machine is unplugged. It was Saturday. I said can I go to another branch and have them issue me one? She said yes. I drove to another branch to find out they can’t do that. And we went back and forth. I said close this account and open new one. She said that was very smart, she open new account and she found out she couldn’t transfer the money to the new one. I was sitting for an hour, she couldn’t figure it out. She contacted another manager from another branch to override it. He tried and was unsuccessful. Here are 3 different branches with morons for managers. Then she said Monday and before she finished her sentence, I said Monday I am going with a different bank and I won’t have to deal with citymorons.

I opened a revocable trust account in May or June of 2022, at the advice of my attorney. I've had over $500,000 at Citibank, and they continue to treat me as a second-class citizen. Most recently, I disputed a charge I made with my debit card. I returned the merchandise immediately because of its inferior quality, ill-fitting, and a different style from what I ordered. After 14 days of no refund from the merchant, I filed a dispute with Citibank. The bank sent me a follow-up notification acknowledging the dispute. However, I received another notice requesting verification of returned merchandise. I complied and sent what was requested. I followed up with the dispute department again after following their directives. Customer service is horrendous. I was told to send the tracking information again, but via USPS mail instead of e-mail because the info wasn't received. I asked to speak with a manager, and she verified that the info I emailed per the instructions in the notice was received. The Citibank customer service representative allowed the merchant to retain my money after verifying that I returned merchandise that wasn't worn. The fact that the merchandise was from China, and it was polyester, ill-fitting, and not what their website displayed when I ordered it. I am a Citibank customer with thousands of dollars coming through their bank, and it proved to me that they will help their own. Therefore, the dispute department allowed the merchant to keep my money, although they received their inferior garments back. If you don't want to experience biased treatment due to race, creed, ethnic orgin, sex, or gender. please do not bank with Citibank. The bank will get your money and treat you like a second-class citizen and basically tell you that your patronage is not wanted. Please bank with Chase, because they're everywhere you travel and not just in Chicago.

We have been working with the fraud department for 9 months now with only a partial resolution. Dozens of calls where we are on hold for over two hours. The branch manager was totally incompetent and part of the problem. I suggest the upper management that get bonuses try to resolve a few issues over the phone.

Can’t leave this bank fast enough.

DONT USE CITIBANK. Fraudulently holding on to my money because they're backed up. Citibank won't let go of my money. My CD matured with Citibank on March 20th, 2026 through March 26th 2026. I had Fidelity send a letter on March 18th regarding transferring funds. I am still waiting it has been 20 days. Citibank received the paperwork and says it's in review. Basically the offshore supportive staff stated there behind. She stated typically at 7 to 10 days.
I called Citibank twice during that time frame and no customer service representative could confirm that they received paperwork from Fidelity. In the interim I had them transfer my CD to an IRA because no one could answer my questions and I didn't want to get stuck with another 6-month CD with Citibank. This has been a nightmare. I have spent over 2 hours in total trying to get to the bottom of the situation. Thanks for confirming I will never be using your institution again.