Citibank Credit Card Worst bank in US - Worst customer service - Lies on the phone Scam Beware Ripoff Bank New York, New York
I have my Citibank credit card closed with no reason, but still the bank keeps charging me 29.99% interest every months. In order to avoid those interest i was told by a Citibank representative by the phone, to stop making payments for few months so the accounts go to collection and then make a full payment whenever I can. So I did that, but after that I was told the account has to be at least 6 months without making payments in order to go to collection, that means about interest $50 and Late Fees $35.00, meaning approximately $510 more than what I originally owe.
So I talked to different representatives and also by chat, they promised me to remove that interest rate of $29.99 for the month of March $52,57, and also the Late fee $25
So I after i made a payment plan, which I paid 127$, I made the payment for the month of April 2013 before the due date, but I was charged again late fees of $35 this time, and I was told they had the notes there but still they want to charge me. This is unbelievable, every time I call customer service I have to be on the phone for more than 1 hour, and talking to people from all over the world: Philippines, Indians, Haiti, any country except Citibank Corporate Offices. This is a serious matter, but Citibank do not take it serious. It is by far the worst company in United States, the worst customer service as well, it should be punished for all the customers that have been ripping off during the last years.
Any lie from customer service cost me money, and they are still working there, I can not make a complaint with them, never.
2 Updates & Rebuttals
Claudio
Get a life first buddy
#3Author of original report
Wed, April 24, 2013
First of all I already filed to BBB and other agencies, this is a serious case, there is no need to be sarcastic, you can add your name if you have nuts.
Citibank knows its me, once again, I talked to Citibank President Office, Marylin Smith, not sure about her name is real, but her phone number is 605-731-3241 - She can help on escalates cases, i still did not have an answer, be ready to negotiate with her, so if they owe you money: ask always for more cause she will be trying to negotiate for less.
Im answering to you moron:
1- Citibank can find any excuse to close your credit card, but it is better for them to close it so you keep paying late fees and interest finance charges.
2-They can always raise interest 29.99% whenever they can, because we sign the contract.
3- FYI in order to make a payment plan, you have to owe a month or 2. That is why Citibank gave me that advice. I think you are more stupid for make nonsense comments here when you do not know anything about life. Get one first!
Claudio
Flynrider
Phoenix,Arizona,
Not all a mystery.
#3Consumer Comment
Tue, April 16, 2013
" I have my Citibank credit card closed with no reason "
Oh come on, I'm sure there was a reason.
" but still the bank keeps charging me 29.99% interest every months. "
There's a clue right there. The interest rate of 29.99% just happens to be their default interest rate. That would be the interest rate they charge for someone who didn't pay when they were supposed to (i.e. they defaulted). If you stiff them badly enough, you'll get the default interest rate AND they close out your card priviledges.
" i was told by a Citibank representative by the phone, to stop making payments for few months so the accounts go to collection and then make a full payment whenever I can. "
You can't be serious. I don't know which is more stupid. Someone who would give such silly advice, or someone who would think such advice is a good idea. In what universe do your credit problems get better if you just stop paying? If you're not smart enough to figure that out, you probably shouldn't have access to credit cards in the first place.