Shocking service and 20 year old technology
I've applied for the Citibank credit card which offered 150,000 Qantas Points. The website shut down half way through without letting me upload supporting documents, but I have still received 'You've submitted your application' email. 2 days later I called them and discovered that I was rejected due to 'any reason'. After multiple chats with the offshore call centre I discovered that the rejection was because no docs were submitted. I uploaded those docs manually via the 'manual' link they provided, but they asked me to send them a letter (!) w...ith the request to reconsider the application, because they were not able (!) to reactivate the existing application in the system. They also did not want to admit that it was their technical issue on their website, even though I had a screenshot provided. Completely unprofessional and archaic. This rejection obviously affects credit history, so beware!
Worst user experience. Waste of time
Website keeps saying to fill in highlighted field. All fields are filled in and it will not let you proceed. Every time I "save application" and come back to try again nothing saves. Also same issues still arising. Complete waste of time - try another bank
Made on online application to Citibank as they were offering 150,000 Qantas Points, subject to spend critreia, which I could easily do and have ample assets and cash to pay any credit card. Half way through the webpage closes out with any reason, I called and the off shore call centre advised I didnt fulfil their card criteria. I advised I had near 400k in the bank, owned my house and had near $250k income and they rejected my appliction! In the online application there is no area for assets, home, cash nothing. So any application id done ...thruthfully will be rejected. The little man on the other end of the phone was immediately dismissive and had no idea of about real banking. I closed down a Citi credit card years ago because they kept putting up the annual fee and reducing the rewards, I will never give them the opportunity to deal with me again. Amex knows cutomer service, Citibank has no idea!
Lack of Customer Service Skills
I have been a victim of Identity Fraud. Its been over 3 weeks with no resoultion. Being the bank's mistake the only repsonse i get given is its under investigation with no time-line. The worst service i have experienced so far. No empathy at all.
cant get any worse than this bank
All this banks offers seems like fraud.Someone seriously need to investigate. I made a card application n they said I should be getting another card which i don't want and not the one I actually want .Couldn't finish the application so rang them n for half hr they kept transferring me in a circle n finally cut me off . Seems like people from asia n they have no idea what to do . Anyone wants to test them free to try . Never encountered anything this bad before considering these days most companies have offshore centers .CITI BANK SHOULD BE AVOIDED LIKE A PLAGUE.
Misleading offer!!! Make sure you read all the fine prints
I made a CitiBank credit card application in June/July, there was a promo for 100,000 bonus point for min AUD3,000 spending. I had met the spending requirement but I hadn't received any bonus point. I then called them asking why and they told me I wasn't eligible for any bonus point. I then asked them to check the promo record back in June/July and then they refused. They told me there was nothing that they could do.
I believe this is misleading, as the promo was on the website. There is also a running promotion for the same type of credit card and they refused to apply the promo on my card.
Antiquated technology. Terrible customer experience.
Considering they've closed all their branches in Sydney. you'd expect their online experience to be better. All the neo banks will replace them if they are going online unless they completely refresh their technology.
The only good thing about this bank is the Qantas Frequent Flier sign up bonus. Unfortunately, I stupidly selected the wrong card and was not eligible for this.
My advice is to avoid them like the plague. Try a neo bank.
Shocked & Disgusted
I recently applied for a Citibank Credit Card, very low amount. I was declined, no good reason. I was shocked. I am retired, own my own house, have no debts and have a steady income. I was told Citibank was a good credit card to travel overseas with, otherwise I wouldnt have bothered applying. After being declined, I wrote back and got no reply. I'm furious that now my excellent credit rating will probably be tarnished. I'm very worried they have a huge amount of my detailed history & information and will probably sell it off to others. Before...being declined, an Indian fellow rang me to query things that he couldn't understand in my application. He was VERY difficult to understand and seemed to get frustrated with me as I explained things. After all this happened, I THEN read all the terrible reviews. I sure wish I had read them before I ventured down this path. Dont do it!!!
Never ever bank with CITI
This is by far worst bank ever. I got a credit card with them and they debited my account with 1K for no reason. I raised a query to fix that and it took them 3 weeks to accept their mistake. Once accepted they asked their back office team to reverse that 1K debit but instead they debited my account by another 1K. This went on for 2 month until they fixed and giving 12 months interest free period as goodwill gesture. Citibank again back out from their deal and stop interest free period after 2 months. I raised this with AFCA who gave decision i...n my favor and asked CITI bank to pay $500 extra in compensation after which they blocked me out of my account and block my credit card. It;s been 4 weeks now and I am calling them everyday to unlock my account. It take me atleast 1 hour on call and getting transferred from 1 team to another with nobody taking ownership of my account. This is by far the worst experience I have ever had with any bank.
Citibank much more helpful than the top four
We've been with Citibank for some years now and mostly use it for international travel. A family member lost his bank cards while abroad and had to get in contact with Citibank. The customer service was excellent compared to the other bank and easy. The replacement will take up to 10 days. They have called the hotel ahead of time and arranged for the replacement card to be sent to that location. Yes, 10 days is lengthy compared to some other banks in an emergency situation but the other bank completely screwed up on their end and the customer service/communication was appalling. We will continue to bank with Citibank while overseas and we recommend cb to our family and friends when travelling o/s
Dreadful experience and time wasted
I am not a Citibank customer, however as part of my home loan with another bank I had the option of a free credit card. I took this option and completed the application, and I was informed by my bank that the card is actually through Citibank. I trust my bank so was okay with this. However 3 weeks later my application had still not moved forward aside from Citibank sending me several requests to repeatedly upload ID, any enquires were met by a rude Indian man who talked over me and cut me off, somehow my one application became 2 and the informa...tion changed - very strange! Finally my own Bank apologised and suggested I cancel my application and go elsewhere as they were getting nowhere dealing with the offshore Indian credit card section of Citibank.
I've been with this bank for 6 years. Finally throwing the towel in. They use a call centre in the Philippines and direct everything through that on the following number 132484. Usually they only take messages and advise someone will call back and they rarely ever do. I've been trying to get a response for 3 wks now leaving messages daily on that automated service and after speaking to 3 actual customer service people on that number. Each time no return call made to me. Citi dont publish an email account to get in touch and instead direct...you to a web form to 'Get in Contact'. That spits out an automated reply and no-one deals with your request even if you select 'Complaint'. At the end of the automated reply it advises you to call the 132484 number! This number is charged at local call rates and I frequently end up spending 30 mins plus on every call - they never want to call you back so spend ages on the phone passing you from pillar to post - it smells a little like a money making scheme if you ask me. Citi are great at marketing products and looking good on the surface but spend any time dealing with them and you'll see how appalling they are. If I could have given a rating of zero stars I would have.
Glad I am finished business with City Bank
No Coordination between departments. Terrible customer service. Just an absolute shocking experience from a bank. Paid out my loan now cannot get my deeds which was held as security.I have completed security release request documents sent them in, sent 2 more emails no response I was given a reference number .I have spoke to another representative of city bank who was going to get back to my and never did .Emailed the complaints department ,was told to contact the person who didn't get back to me, I was told by complaints trey cannot hel...p my even though they dint know what my complaint Was. Contacted my solicitor who city bank will not talk to .Next the Bank ombudsman,or consumer affairs.Surely some one will help me retrieve the deeds to my house .I have tried phoning and always get someone who speaks very broken English and Being hard at hearing I cannot understand what they are saying .
I should have looked at the reviews, which are terrible. Mine is too.
I have had a Citi debit card for overseas travel for a couple of years. They have blocked my use of the card on almost every trip I have taken, despite having notified them beforehand of my travel plans (dates) and countries to be visited. On top of this there is no way to contact Citibank using an iPhone if you rely on wifi. They claim to have live chat on iPhones but it doesn’t work.
Even taking the precaution of nominating family members to act on our behalf was a disast...er. They have twice lost the nomination forms despite them having been sent registered post and us having a signed receipt from Citibank!! My daughter has had exactly the same problem and is currently cashless in Indonesia as a consequence - and of course all protests and pleading for help (despite it being their fault) are met with a brick wall. My other bank may have higher charges for use of its debit card overseas, but at least the service works. I recommend look elsewhere.
Moved my mortgage to Citibank, 1 week in- I've made a huge mistake and will be moving off them asap
Citibank are the worst bank in terms of their mobile app and its functionality, the call centre staff based in Asia who aren't able to help you and the sheer lack of internal processes they have set up for complaint resolution.
After getting a mortgage with Citi I got a copy of my credit file only to find these clowns had marked me as a default payment on a previous redicredit account and also had run multiple credit enquiries on my mortgage loan application. I called Citi explained the mistakes made, they admitted straight away that they shou...ldn't have made these mistakes. 3 months later and at least 20 hours on the phone I cannot get my credit file cleaned up, Citibank keep telling me it takes a long time for Equifax to update changes their end, but everytime I call Citi and have to speak to 4 different people it's obvious the issue is Citibank. I'm lodged a formal AFCA complaint, find out who the Citi case officer is assumed and I left 20 messages directly on her mobile (Katie) over 6 weeks and not a single call or email. Then she calls me out of the blue and I ask her why hasn't she returned any of my messages? She said she has just been too busy to. She couldn't respond to AFCA in time either. So after nearly 3 months Katie has been unable to complete a pretty simple complaint . I will never bank with Citi once I move off them. They are hopeless! I would leave a negative 5 score if I could
Do not get involved with Citibank - they are absolutely terrible
I have a Citibank debit account and one card. My wife is going to S.America and we required her as an additional signatory and to have her own card. It has taken 6 weeks. 3 emails, 24 telephone calls to Citibank customer service to finally find out that this is not possible. We have filled in at least six forms, been to the police station twice to get proof of identity authenticated. The customer service was polite but abismal. My advice is do not waste your time with Citibank - if anything ever goes wrong you will be in terrible trouble.
After hearing nothing about my application for a while I called to check. The consultant could not see the application. I asked to speak to a supervisor who told me it had been rejected. Strange as i have great credit and income. I asked several times ic he was sure he could see my application and wasn't just trying to get me off the phone.
I just got my own credit report to double check.... nothing. There was no credit enqiry by Citi for this card. The supervisor completely lied. Now Citi wont get my personal or company business.
WORST bank, never go with them!
Bunch of liars who owe me 100,000 points but will not give it to me even though I spent 15,000 with them in 5 months. I will never go with Citi Bank again!!!!!!!
Citibank Anti Customer Service
I had a coles credit card for a couple of years which recently became a Citibank credit card, I nearly cancelled immediately for all the reasons you can read on this site by others but let it go. After they changed the period for payment requirements without telling me, I thought if I dont have to talk to them and just use the cards and pay it in full each time there shouldnt be any issues. How wrong was I, they just this week called and left a message to ring them regarding transactions on the card that needed to be clarified. OK this sounds l...ike they are on the ball, but then the anti customer service began. I ring them back and after going through the reasons three times I finally get some CLOWN who says they understands the issue and can help me. The clown says its regarding a transaction with Petro Canada and if I know this transaction. My reply is Yes I buy petrol from them and have used this card for three years so I have had this on my card in the past which has never been a problem. The response is im glad you know the transaction however your card will be cancelled and a new one issued. I protest further but get told once your card is flagged it has to be cancelled the new card will be sent by express post and take about 4 working days, This just happened to be on a Friday so no credit for the weekend Im going away untill the next Friday so No credit card for the following weekend or while Im away, until I get the mail when I return, Avoid these clowns they have no idea. A bank that saves by not having any branches that doesnt comprehend customer service and has the most unfriendly internet services you will ever encounter, zero stars would be a kind rating.
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Questions & Answers
Hi I was very interested in investing a large sum of our life savings as Citi interest rates are slightly higher than the rest ,( every bit helps) ,should I be in doubt? Cheers
I am planning to move to citibank for my mortgage. any feedback wud be highly appreciated.
How do I get in contact with the CEO of Citibank, Allan Machete? I rang customer service and they refused to give me his contact details.
If he wanted to make himself available he would. Im guessing he's sunning it up un the bahamas living a lavish lifesyle compliments of the account holders. Embezzlement fraud comes to mind. Not a bank you can trust. No physical presence, just well put together showy website anyone can do. Smoke and mirrors. Customers have a false sense of security if conned by the glam adverts. Charged $199.00 set up fee they dont tell you about, and all the other fees they dont tell you about. Then if you want to pull a slab of money you cant. Funny cash slabs are dissapearing from customer accounts. Oh and user auth revoked, accounts getting shut down. All stinks of SCAM to me.
Just reading through all complaints, issues started last year. Revamp? Applicants with good jobs and credit history are being denied, which affects their credit rating negatively. My hunch is they will accept big chunky money applicants, have a spending spree on that but are in fact cashless and do not have available funds to payout legitimate account holders, hence the runaround or account blocks for various reasons. Get my drift people. Get out now. You have just been robbed. I say, lets us people here start up a fancy website, take peoples money, spend it on a lavish lifestyle, we win... I would suggest you report these guys #citiscam to the feds and current affair.
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