CitiReviews of online.citi.com

I applied for a Citibank credit card and was approved for a 15,000 credit limit. Once I was approved, I was taken to the sign-on page to create a username and password. After signing up, I tried logging in, but I got an error saying we are experiencing temporary delays. This kept happening, so I chatted with a guy named Roy. He tried looking up my account using my SS number and couldn't find it. I have a copy of my credit report showing a Citibank inquiry. Since you can't talk to a human, I expect Citibank to remove the inquiry ASAP. I decided to go with Chase, at least you can speak to someone there. I would never recommend Citibank to anyone. I need to add an hour after posting this, I received an approval email. First time anything has happened this way

Citibank’s online systems are extremely buggy and unreliable. Core account features have failed, transactions have not displayed properly, and the platform does not consistently reflect accurate activity. What’s worse is their response. When issues are reported, they refuse to investigate, provide generic written replies, won’t speak by phone, and ultimately shut down communication instead of addressing the problem. If you rely on stable, transparent online banking, run, don’t walk, far away from this organization.

There is a problem with the payment; I was informed that there would be no issues regarding interest charges. I was advised to call back to obtain credit once the statement was released and to resolve the issue. However, I was told that they were unable to assist with this matter once I call back. ID# mpto01 Have several credit cards worst customer service. GO AMEX stay away from CITIBANK

If I could put a negative 200000 stars, I would!!! Back in 2017, I was buying a computer monitor at Best Buy and of course, they sucked me into this scam of a credit card while there, with the help of my spouse because I'm not exactly a big credit card user, I like to OWN my stuff, not OWE on the bank's stuff. I think the last time I used this card was to save us during the pandemic. So I wound up with this card with a $1500 limit on it that I've had since, and have been paying it off on time, until recently. Here's the problem, first off Citi's Best Buy Credit Card website, (link redacted because TrustPilot is stupid) - is a total piece of crap. I have known passwords that stop working randomly on their website. Then I need to go reset them, this has been an ongoing-sliding shit-show since the late quarter of 2025. The password problem has been here for years, but I could still reset it. First off, my card expired last year. And you know what, I'm not going to notice - that's how little I use the damn thing. All my debts are from 2021 or earlier. All I'm trying to do is pay the ______ing thing off and use it for emergencies only. But that's incredibly hard to ______ing do if I can't get any support, and when I do get support, not a god damn thing happens. First off, let's talk about their ______ "Recovery" process for your login name, or password. If you're like me, and stuck with an EXPIRED card you never got a replacement for, even though they killed 1/10000th of a tree to tell you you had a new card coming in the mail - so OBVIOUSLY They have my current address, but I never saw the ______ card, let alone received it. So now my password doesn't work again. For awhile, I was able to use my old card number, or my e-mail, last 4 of my social, and my phone number (which they TOO obviously have because they have been HARASSING me while I'm at work to pay my bill via VoiceMail - I don't have time to field your ______ing calls while I'm working! And I work a LOT!)...anyway, I could get my ID, and/or reset as needed, and still get in. But something changed, so the last 2-3 months I've been unable to pay my bill except via a link once they get so desperate because I'm tied up at work, or at home fighting with their atrocious website. Oh yeah, and it won't take the last 4 of my SSN, or phone# anymore! Not even once has a single voicemail mentioned they had a data breech and my account was lost, nor has anyone left a message to tell me anything except "Your bill is overdue" YEAH DUMB______ BECAUSE I CANNOT GET INTO YOUR ______ SYSTEM TO PAY IT YOU ______ IDIOTS!!!!! ONCE, I got on the phone with someone from Citibank during working hours, and had people looking at me funny as I tried to constrain myself while the condescending ______ on the phone told me it was "my fault" that the account doesn't work and that after me getting angry enough to have co-workers at the hospital looking at me funny on their way back in the building. I wasted an HOUR of a working day to talk to a rude piece of crap on the phone, who then told me they were going to send me a new card, and confirmed my address, which I know they already had after sending me ______ SNAIL MAIL to tell me I'm getting a new card soon (!!!), well, it's been about 3 months, and I have not seen hide or hair of a new Citibank card! So now I can't get into the website at all, and I cannot pay the bill! Trying to retrieve my password, or even username, doesn't work. I put in my information, and they cannot find my goddamn account! No support#, no support E-mail address, no @#$@ card support. Just "If you login wrong too many times, we will lock your account for 24 hours" - yeah, you @#$@s, my account has been locked probably on repeat since October of 2025! And of course, today, on Valentines day, the wife has to leave the house because I'm in "total kill mode" because these devil's from Hell's own I.T. department have a webmaster that's trying to program for "security" with a @#$@ Speak and Spell made by Masterlock! I can't get in because I can't use my card number, and somehow, they are missing information, or something is broken on their website, so I can't get in and pay my bill! Just endless messages over and over of..... "Something you entered wasn't right. Try again. After too many failed attempts, we'll temporarily lock your online account." Only to either end up with me paying my damn bill through a ______ e-mail, though now, not even THAT works. No way to pay my bill without logging in. Seriously, whoever at the FDIC or Citibank that enlisted these changes that has made paying my bill impossible needs kicked in the nuts repeatedly! And I am NOT getting on the phone with some condescending prick whose telling me it's "my fault" that I can't pay my bill. It's YOUR problem, FIX YOUR ______ SITE CITIBANK/BEST BUY!!!!!!

I was attempting to book foreign train tickets directly through a rail company's website. Citi denied the charges. Over the course of four separate calls to the fraud unit, I was assured after each conversation that the card had been cleared for use. Despite these assurances, the card continued to be declined. When I called a fifth time, the fraud unit again indicated the card was clear I asked to speak with a Customer Service representative who finally admitted the card was not clear. was transferred back to the fraud unit, where an agent informed me the previous clearances had been performed incorrectly but promised it was now fixed. The card continues to have spotty performance with some charges being approved while other charges are declined (in person or on-line). I am at Citi since American Airlines is discontinuing its relationship with Barclays. We haven't decide if we will continue with Citi. The fix, be like Barclays and not like Citi.

I AM SENIOR CITIZENS I HAD SEVERAL TRANSACTION WITH THE BANK THEY OFFERED ME CREDIT CARD I ACCEPTED AND I USED THE PROMOTION THEN I FIND OUT THEY HAVE ANOTHER PROMOTION I WENT TO THE BRANCH TO GET THE NEW PROMOTION AND I WAS APPROOVED TO GET 60,000.00 POINTS PAY ANNUAL FEES $95 SPEND $4000.00 I DID NOW THEY DENIED MY POINTS WHY THAT I HAD THE SAME PROMOTION EARLY I LOST $95 SPENDED $4000 LOST AN OPPORTUNITY FROM ANOTHER BANK OF $750 WAS SAME TIME THAT I WAS APPROOVED I AM NOT SURE WHY I CHOOSE CITI BANK I COMPLAINED TO THE MANAGER HE MADE A PHONE CONTACT TO REPORT IT AND GAVE ME AN EMAIL ADDRESS TO CONTACT WHICH I DID BUT THEY ARE NOT RESPONDING I MADE SEVERAL ATTEMPT IS NO WAY TO GET A SATISFACTION I GOOGLED AND FIND OUT THAT SAME PROBLEM WITH OTHER CLIENT SAME SENARIO IT LOOK LIKE THE SYSTEM DID NOT DETECTED. THAT I HAD PRIVIOUSLY SAME PROMOTION IT IS NOT MY FAULT I ONLY KNOW I HAVE CITI CARD WHICH ONE WAS NEVER MY CONCERM TO REMEMBER THE BANK HAVE TO HONOR THE TRANSACTION AND TAKE THE LOSS FIX THE SYSTEM SOFTWARE AND DETECT SAME SITUATION FOR FUTURE THANKS MY NAME IS ROSE D

This is the worst bunch that has ever existed. I opened a new checking account in October. I tried to make a transfer tomorrow brokerage a day or two later. I was told the funds had to settle for 6 days. They had the full amount in a few minutes. No doubt the true reason behind the extreme delay was their desire to profit from it while denying the owner with the actual right to so any access. From that point on every attempt to communicate with them was met with a bot so poorly programmed it was rare that communication happened at all. My money to be used to generate income, was doing that, but only for them and they used various tactics to keep it that way. After 3 weeks I tried a different strategy that wasn't previously considered due to the amount of time, expense, and effort involved. Without giving any hint of my plan, I drove 3 hours one way to the nearest branch, told the teller what was going on drew out the entire amount and closed the account. After reading reviews I realized how lucky I was. The first similar instance was a 90 day nightmare, soon to be followed by a 200 day example. Citi online, as a group has malicious intent. If you risk any involvement, expect a continuing nightmare beginning with your first attempted transaction and a degree of loss caused by them that begins at extremely unreasonable and ends when and at a figure they choose. In my case due to their actions keeping me unable to make financial trades the loss was well into five figures. Anyone that reads this then risks dealing with them needs someone to get a court order to keep their funds safe. With luck the court will act in time to keep losses to a comparable minimum.

A whole bunch of fees after closing the card. $100 in annual fee charged the day after I closed account.