Complaint: I had 4 credit cards with Citi. I closed them all because I sent a payment to the wrong account and since time went by and i did not see my payment i sent additional money. when i realized my mistake i called citicards and asked for a refund of the overpayment. that was on April 15th, today is May 14 and they have not sent the money. First they told me it would take 14 days. i called after the 14 days and they said a couple pf more days. Then I called again and they said the money was sent out. I made another called and they had lied, no check was sent. A supervisor had to! reviw the account. Four days ago i called and i was told the check was mailed. I called back to get a check number and they had lied again, no check was mailed!. I was told that it takes 21 working days. Time is up and no money.

Complaint: I want to post a different type of complaint but first a little background. I have had a card with at&t for quite some time and have a large balance. For years i have made my monthly payments on time and haven't been late. A while ago i ran into financial problems and decided to close this card and just pay off my balance. First smaller complaint the interest rates. Although, i had never been late while my card was active my rate went from the 8.% up to 29.240% seemingly just because i closed my account. While, i did talk with them by phone some time ago about my rate,they did lower my rate again. I soon found them purposely delaying proccessing my checks so they can up my rates and make extra charges against my card. How do i know they are doing this on purpose? Well i mail out all my bills at once on payday. For over thirty years i do most stuff through the mail and have never had a problem with my mail being late, lost, or whatever so i know the post office is not my problem. All my bills are received and cashed within uually 3 or four days. All my bills except the payments i send to at&t. Typically, it takes them weeks longer than everyone else. When i call them to complain, they try to blame the post office. This happens no matter how early i mail a check to them. They hold them until after the due date, then process them saying was late. This last time was the final staw. I mailed out all my bills on the moring of may 10. Everything was received and clearing the bank by the 13. All my bills except for my at&t bill that is. My due date is usually around the 20th of the month or slightly later. I called them to complain and they were rude and only tried to blame the post office for delays and would not talk to me. I know they received my check and i wanted someone were the checks are received to find my check and fix this mess since it is now past my due date and it has not been cashed yet. I strongly believe they purposely held my check so they could increase my fees and rates again. To date my check has not been cashed so today i put a stop payment on that check at my bank. Something i know costs me money to do. I know if i send them another payment they will have added the extra fees and stuff onto my bill. Worse off, i have a strong feeling they will then attempt to cash both payments instead of one. You would think a credit cardcompany would work with someone, especially after you close a card to get the balance paid off quickly. You would be wrong. At&t has been trying every dirty trick to increase my fees and my balance to prevent me from paying my balance off. You would also think lawmakers would have passed something to protect consumers and make paying of these accounts easier. if they did they couldn't receive the kickbacks from them. Don't believe me? One place that advertises $500 loans on tv charges somwhere in the area of 99% interest rate. They say loan sharking is illegal, but i guess that does not apply to lenders and banks who can charge and practic and underhaded tricks they want to to rape and bankrupt the little guy.

Complaint: I called the company and paid off the balance and all fees on the card. Two months later the "quicken" card is sold to CITI and I receive a CITI statement stating that I owe two months of fees and finance charges. The finance charge is approximatally 11% per MONTH. Not the 11 APR as stated on the statement. Yes, I confimed by phone, the 11% is per MONTH. So my complaints are 1. gross misinformation on their APR, 2. misinformation on my balance when closing account, 3. hidden charges. By the way, I purchased the Quicken card to work with quicken software--of which the quicken software was not ab! le to download the correct balances from quicken charge card nor my other financial institutions. Both the quicken software and the charge card are failures.

THEY HAVE JUST INCREASED THEIR INTEREST RATE FROM 21% to 22.99%. They are saying in order to opt out of the increase that you need to close the account. That if it is consumer requested it will not hurt your credit score if you choose to close it. They are giving miss information. Anytime you close a credit card account it has a negative impact on your credit score. If you read the information in any area about your credit report and your credit score the one thing it says is never close an account dont use it but dont close it. Any time I have opted out of a interest rate increase as long as you do not use that card again they w! ill leave all of the charges at the original interest.That is how this should be handled. Everyone should be complaining about how this is being handled.

Complaint: I received a letter from Citi stating that my husband's Home Depot consumer creddit card has been converted to a Citi MasterCard - along with the new card. The letter gave a toll free number to call (1-877-530-1020) to activate the card. There was no other contact information in the letter. Since my husband passed away three months ago, I did not want the card. I called the only phone number given in the letter, in order to opt out of the card. To my frustration, the number is an automated number that gives you two, and only two, choices: (1) Accept the card using the verification number included in the letter, (2) Accept the card using the Home depot card number. These are the ONLY two choices the automated message allows. It does not give you any way of getting hold of a live person, or an option for opting out of the credit card. There were no other telephone numbers listed in the letter, no way of contacting any one connected with this offer. Going through the Citi Bank website and several other mindless automated message numbers, I finally managed to get hold of someone in their credit card section, who then connected me to some one else in the Home Depot section, who then connected me to someone in the loop for this unsolicited offer. This young man told me they had "forgotten" to include an opt out phone number in the letter sent out to customers. He needed a lot of personal information before he could cancel the card. My husband's Social security number, name, address, phone number, and date of my husband's death. When I questioned why I have to provide all this personal information in order to opt out of an unsoliced credit card, both he and his supervisor got very nasty and rude. The supervisor's supervisor proceeded to tell me that he "guessed" not doing anything would have opted out. Well, there was nothing in the letter that indicated doing nothing would be the equivalent to opting out! According to him, this would be a reasonable assumption - I guess I was not being reasonable in guessing this! These guys are unbelievable in their rudeness and lack of business ethics. They send an unsolicited credit card to a dead man, then make it as hard as possible for the widow to opt out of it. I am having a hard enough time grieving for the loss of my husband - I do not need this kind of unsolicited crap that took me 45 minutes to resolve!

Complaint: Having just received a statement, I logged in to submit my full payment. Statement balance is $13.80 and minimum due is $14.00! No other account activity. The Citi online system disallows a $14.00 payment because it's more than the statement balance. Citi refused to give me a letter of explanation and their "supervisor" suggested that I pay $13.80. Having done so, payment page in big red letters indicates "Payment amount... is less than minimum due... You may be assessed the corresoponding fees and finance charges....." The Citi sup (Brandi) refused to send me a letter or c! orrected statement. How's that for honesty? A scam for certain. Everyone makes mistakes, but Citi's refusal to assist, respond, explain, or correct is unbelievable. The world needs to know what a scam artists Home Depot and their "Credit Card partner" really are. HD needs a new, honest "partner."

Complaint: I finally gave in to their offer, applied for their credit card, no finance charges for 6 months or so with balance transfer fees of course. Then I started receiving voicemails that they did not receive our payment, of which I called and paid over the phone every time I got those messages, telling them that we never did receive any bill. They told us they will send us a bill. That went on for months. They leave message, "did not get payment", I called and paid, I asked for bill that we never receive. I called again and again and I was told they were emailing our bill and was bouncing back. They know we were not receiving the bill, yet they did not bother mailing it to us monthly. Finance charges after finance charges were added. Finally I paid the whole amount before that 6 months was up. It got very frustrating. Just when I thought we had no more balance, we receive a bill on the mail for finance charges. Apparently, even though we paid it off, we accrued finance charges (! the 0 finance charge has long been gone) since we were late with our payments, for bills that never arrived. Upromise? help us send our kids to college when they had been ripping us off with finance charges, late payment fees for bills that were not received, they know the emails bounced, yet did not send it through mail, but of course the finance charges continues...whether fair for consumer or not (no wonder we can't send our kids to college).... This is the worst credit card company I ever had! It was very disappointing. They associate with Upromise?

Complaint: I received a notification in Nov 2008 that citicard would increase by APR to about 19% from Jan 2009. If I wanted to avoid this increase, I should agree to the term that I will cancel my card upon reaching the expiration date. This seems like stonewalling. Either pay high APR or cancel the Credit. How is this fair? Arent they sort of blackmailing their clients? Any help, advice, anyone?

Complaint: citi hired a debt collector that called me to tell me that I needed to pay a loan that I had in full because I was late on payments because of a job lose. I tried to ask the debt collector how we could work it out and he told me that I had to start making very uncomfordable phone calls, to my friends nieghbors and family. when I explained to him that most or all of them are in a worse situation than I am he began to scream at me and tell me that I have given up and I took this loan knowing that I had no intention of paying it back. I told him that if he looked at my credit history for the last 30 years I was in very good standings and! I was never late on a payment till the so called credit crisis. I am humiliated enough, after 30 years of good credit that I just can not keep my head above water. If I could sell what I have I would. i do not think this is the way to handle it. If they do not work with me I can not work with them. Raising my rate will only continue to escalate the problem. Please warn banks that this is not the answer. Sincerely humiliated and wish I could pay..............

Complaint: I have had my AT&T Universal Card for over 8 years. I had a good payment history, they lowered my interest rate and increase my credit line. However, I lost my purse over the holidays and had to have them cancel the card and asked them to send me a new one. When a month went by and I hadn't received my new card I called to see what the problem was. They said that I wasn't approved for a new card! That was the only explanation other than that is their policy. This makes no sense. I wasn't asking for a new account, just a new card. If I hadn't lost my purse I'd still be "allowed" to be their customer. So basically! it doesn't matter if you are a good customer, pay your bills, etc. Credit Card companies can just do whatever they want. STAY AWAY FROM AT&T UNIVERSAL!

Complaint: They have not mailed my refund check of $2000, despite my monthly contact with them, beginning in Sept 2008. My mother died, my dad's ATT U card had a limit of 2k, which was reached at the funeral home while charging the services. I was paying the bills. Stupidly, I thought I'd pay an extra $2000 since people would be in from out of town, and my dad would want to use the card. I wanted to feel sure that he would not be embarrassed. As fate happens, my dad died a WEEK after my mother. I've been trying to recover my 'extra' payment ever since. Here are my notes, with the most recent first: 6- Called in February 2009, got message machine, left detailed message, no call back; 5- Check did not arrive and no call back - Called 12/17 - a-Internal Recovery Unit, spoke to Ashish, he verified a lot of my information and passed me to the Probate Department; b-Probate Dept., spoke to Kelly, she verified ssn and mailing address, ASSURED me the check will be sent to my address; she said look for it in 30 days; 4- Check did not arrive and no call back - faxed Ms. Joyner 12/11/2008 3- Check did not arrive - faxed Ms. Joyner as she requested 12/03/2008 2- Check did not arrive - called on 11/06, Ms. Joyner said she will send to my address; if more problems fax her w/name and acct nbr, and my phone, she will call me back.  1- Called in mid-September - check promised to arrive 1st wk of October 0- When making the funeral arrangements for my mother, the card reached a $limit at the funeral home. Knowing that family was coming from out of town for the funeral, and my father and I would not want that to hit that limit again, I paid $2k in advance. Then my father died a week after my mother. I will add that my dad used AT&t because he worked for at&T at Bell Labs for 46 years. He was a loyal employee. I will also add, that AT&T U Card received the Malcom Baldrige award back in the 90s. Those of you who don't know, that is was a very high quality award given/earned for having met specific criteria of repeatable consistency in all areas. Does AT&T U Card still have connections with Citi? Is that the 'root cause'? Who can help me get my $2k back?

Complaint: CITI jacked my interest rate from 9.24% in February, 09, to 24.99% in March 09. It represented a 43% increase in the monthly payment. When I called them to find out the particulars, I was told that they increased rates across the board, due to the "cost of doing business" We're getting the business all right, covering their bad practices. I spoke to a manager and managed to get my interest rate back to the 9.24% for 6 months. In the meantime, I will find a way to transfer the balance to a reputable company, if one exists. Greed is a terrible thing. I tried to explain that when most people are having a tough time making ends meet, the worst thing to do is apply more pressure. CITI will most likely have more defaults on their unsecured credit cards, and they are trying to insure that they recoup something at the expense of those that can pay. This whole program doesn't show me that they are easing the credit. Thanks for letting me vent.

Complaint: i have never been late on any payment....NEVER! suddenly, my citi card went from 8.99% to 24.99%. i had a 5,000 balance and paid it off right away. when i asked why my rate had been raised, they said it was a " business decision" then, 2 weeks later, i got a balance transfer offer from the same card...0 interest for 6 mos and then back to the 24.99. these guys are CRIMINALS!

Complaint: Last September, CITI Mastercard raise my credit limit almost $3000. Two months later, after I had to use almost all my credit limit do to a personal emergency, CITI BANK canceled my Mastercard. This was legal and I did not object to it. Today I received my monthly statement and, without prior notification, CITI greatly increased my APR. I called CITI Bank twice. I was first told that they sent the notifications with the March statements. I out right asked why they did not send out seperate letters. I was told that CITI Bank's policy was to not send out seperate letters. The only thing that CITI Bank did for me,! was give me their legal team address in my home state, and promise to send me a copy of their new customer agreement that covered their the new ARP on my account. I was told that I had twenty-four days, from the time the March statements were mailed, to send a letter refusing the new APR. Less than ten minutes later I called CITI MASTERCARD back. I asked customer service where the notifications were listed. She could not tell me. When I told her that I had the January through March and there was no notification included. I was then told that a seperate letter was mailed in January. I explained that I received no letter and asked that my APR be readjusted. The customer service person put me on hold, twice, only to come back and tell me that the time j=had passed and the new APR now applied. I, for the second time, asked to talk to a supervisor. I expained everything to this person. I was again told that no one could change the APR once it was set. I again stated that I had receive no notification, and was asked if I thought that the supervisor was responsible for the mail, that the supervisor had no idea what "I" had done with the letter, that no one could change the new APR, and if I paid my account down, then they may reduce my APR. What I belive now is: 1. CITI Bank increased my credit limit knowing that they were planning to cancel it. 2. That CITI Bank never send out a legal notification on the APR increase. After all, who would know. 3. That the 'so called' CITI Bank customer service has no idea what they are saying to any customer and has been told to outright lie. I am not letting CITI Bank off the hook. Legal plans are in the making now. One last point, CITI Bank recored me so I had a legal right to record them. I have every lying word that they told me.

Complaint: date april 25 2009 I had my att universal card for 20 some years without any problems until january of this year ( 2009 ) when my account showed several unauthorized charges totaling $ 280.11. I called the company immediately and they agreed to 1. remove the unauthorized charges, 2. cancel my existing credit card, and 3. issue a new card. Received my new card in february showing a balance of $ 280.11 unauthorized charges transferred from my old card and to add insult to injury the same individual unauthorized charges for a 2nd time so my balance is now $ 560.22 plus $ 14.59 finance charge for a total of $ 574.81. on february 5th 2009 I mailed a certified return receipt letter explaining this situation. So far no response except phone calls from at&t/citibank reminding ( harassing ) me about my balance due. IS THERE ANYONE OUT THERE WHO KNOWS WHAT TO DO TO GET THIS RESOLVED ????

Complaint: My citibank card for years has been billing me in even dollar amounts. Last billing period, I could not find my paper bill, so I paid what I did the month before, the min. due. My hours were cut so for the past few months, I have been paying only the minimum due, but always on time. When the next statement came, I noticed there was a late fee and additional interest due, a jump from a fixed balance transfer of 2.9 to 26.9! OMG! So, I immediately called Citibank, and got a polite rep who spoke broken English. He was very difficult to understand, but the problem was that they had increased my minimum due by two cents! My paymen! t was on time, but less the two cents! I spoke to a supervisor, who gave me her name and ID number. She told me she would reverse the late fee and change the rate back. I still have never found the original bill! Citibank also finances my Unocal card that I pay in full every month. I had not received that bill and ended up overlooking it. I should have known better, because they charged me a 39.00 late fee as well! I can't find that bill, either! Coincidence? All of the other bills were delivered. Just proves one has to be extremely careful these days. Dot your i's and cross your t's.

Complaint: I have had a Citibank credit card since collage (over 20 years); I pay my bill on time and have a good credit rating. I pay my bills via my credit union through an online bill pay service. Last month I misread the due date on the bill, I entered the posting date by mistake. This made my payment 3 days late. When I got my statement my interest rate had jumped to 26% and I was paying almost $500 in interest charges. I called Citibank and they agreed to forgive the late payment fee and to lower my interest rate to 9.5%. The thing they did not do was lower the interest charges for the one cycle back to my old rate. My normal interest charges per cycle were $86, the interest charges for that one cycle were $513. This seemed like a pretty high price to pay for a typo. I tried calling customer service to see if they would refund the interest fee for that one cycle. I was told that I was lucky that I had gotten back my old interest rate and that they could have kept my rate at 26%. This is true, but I would have just transferred the balance to a lower interest card. I did request to speck with a manager and that request was refused. I am a bit agog about this whole thing. True, I did break my agreement with them for one month but I have been a good customer for over 20 years. I seem strange that they would want to lose my business. The kicker is that they sent me balance transfer checks for 0% interest for a six month period about a week later.

Complaint: This started out as a trivial matter, but their handling of it speaks volumes about their customer service. I had a very small credit balance on my AT&T Universal Card, now owned by Citi. I use credit cards as sparingly as possible, and this balance remained for three months. On my current bill, they took away the credit on the basis of inactivity. Well, my philosophy is that everyone should be treated the same. In this case, what would Citi do if I had owed them any balance? Yeah, late fees, penalties and interest would be substantial by now. So I tossed them an email saying, hey, restore the balance. That's no way to treat a customer. They referred the matter to S. Larson, customer service, from whom I have just received a letter. She states that, "We are unable to determine when a credit balance was on this account." The last three statements show the credit. The current statement details it's confiscation! Just WHAT did she do to 'determine' the credit? Great customer service, huh? Man, I'm glad I didn't have a real problem. Either these people are truly incompetent, or just thieves. Beware. Stay far away from them.

CITI BANK AND CHASE STEER CLEAR OF THEM I think this is more of a statement and complaint about service that should not be! It’s just is not right. Let’s start with the first company Citi Bank they decided to lower my limit right after I made a $2000.00 payment so I would be able to use it on vacation What a surprise when I went to use it and they had actually lowered it to a point that I was over my limit... When they were called they told me that I had some stuff on my credit report that justified the decrease. I had always made my payments on time and more than the minimum amount I found out someone else had filed bankruptcy and they not me had screwed up the my wife’s SSI number and I had that fixed before we left I was told that timely payments was not the way they justified raises or the way they did business I closed the account paid it in full that is the way I do Business The second one was another letter that I got today stating that Chase The company that just bought Washington Mutual my VISA Card Found that I was in a high risk category Yet another one I always paid on time and more than the monthly payment I am employed full time and have not missed any payments yet one of their reasons was that I had not upheld other monthly card agreements for payments and my credit history was less that 24 months? I have had this card for years like 9 and 3 company buy outs this is just is just B.S. Yet another one I have just paid in full and closed so apparently my risk was not all that justified The woman I spoke with was RUDE and hung up before I could say anything after she ask me if there was anything else she could do for me? I may also add that while talking to her the whole time I was calm and did not raise my voice was not rude after I heard there reasoning I just stated that I would like to know what the balance was to pay it off and to close it then I was told she could not do that she could close the account now and that I would still get statements for the charges on the card like I was a some

Complaint: After having this card for several years and minimally using it, I paid my balance in full and often times had a credit. My mistake was accepting a " balance transfer" that was too good to be true. I transferred from a different card and all went well for one month. I ended up going out of town unexpectedly for a week, and a my statement was separated from the rest of the mail when a friend picked it up from me. I found the bill on the day it was due, and did an online payment. It registered a day late on the next payment. Because of this, my 3.9 apr was jacked to 2! 4.9!! I called and complained. In broken English, a lady politely asked me if I was in a financial situation. I told her no, explained everything, and she said she couldn't change anything, The payment needs to be received by 5 pm. I asked to talk to her supervisor. After being on hold over 5 min, this ladies English wasn't any easier to understand. She tried to " over ride" the computer, but it wouldn't let her. The only thing she could do was refund my 39 dollar late fee. She stated, I can call back in a year and they'll look at the APR! I told her I will most likely quit doing business with them. She asked me why? After re-explaining the whole APR thing as being unacceptable, she stated she could have someone else look at my account in 7-10 days. Well, I am utilizing a balance transfer from capital one, which I was very lucky to have. I am still out a lot of money though. I am closing my account with them and will be writing a complaint letter. I will also never use at and t for anything ever again. They are a loser company, and they shouldn't be surprised when they keep "losing" their customers. Don't use this card, they'll do whatever they can to stick it to you. Their mascot should be the grim reaper.

Complaint: I paid my monthly bill electronically from my bank and Citi bank tried charging me a late fee. They finally gave that back but raised my rate to 27.24 That's what it was really about robbing me since our President gave them months of notice to fixing there problem. They just used the advance notice to rob us and as far as I am concerned our government gave them the heads up. What a joke since we are the ones who gave them money to stay afloat. There needs to be a cap on all credit cards or better yet stop dealing with banks who like robbing the consumer. I wish everyone would stop d! ealing with citi bank. I just paid off two accounts and only have one left that will be gone this year. STOP USING CITI BANK.

Complaint: I have the Citi Professional Cash card however "professional" is the last word I would use to describe them. I was laid off in September of 2008 and couldn't make my payments so they put me on a payment plan. Well apparently ANYTHING they do via customer service, including taking payments and setting up payment plans, does not stick. I have had to re-set-up my payment plan 3 times now and re-authorize payments which don't go through even when I get a confirmation number. For the most part customer service has been friendly, but obviously entirely incompetent because they cannot get it together and keep their information straig! ht. One CSR was so rude to me insinuating that it was MY fault that the payment plan dropped off he actually reduced me to tears. Needless to say last time I tried working with a CSR to reinstate my payment plan and take a payment, none of it went through despite having a confirmation # and I was woken up this morning at 9 am with a customer service call saying my account was behind. In addition when I called to join the payment plan I authorized them to close my account which they then took and applied to my credit report saying THEY closed it at their will which dropped my score about 30 points with out ever telling me what the repercussions would be. When I asked for written confirmation of proof that they informed me that it would affect my credit, they sent me a letter which basically said 'no'. Unfortunately due to 1 single 30 day late I have from when I was laid off and couldn't make my payment, no one will give me a credit card now so I could balance transfer and leave Citi in the dust. So I am stuck with the most incompetent, consumer-unfriendly, credit terrorizing company I have ever encountered. Do yourself a favor and don't open a card with Citi.

Complaint: Do not get a citi bank credit card!! Don't believe that what you sign up for with them is a fixed rate, even when they say it is. I thought I had a fair deal at 14.99% for the amount of credit I have open (in total). I have never been delinquent on any account I have ever had with anyone and I have been a customer with them for only 6k and for 2-3 years. For no reason they "selected" accounts to move up to a 29.9% interest rate - mine was chosen. I called them asking for my original percentage rate back as a good customer and they do have "options" for the people who call in and complain -! you can have your interest rate back on new purchases if you agree to the 29.9% terms on the existing balance. What kind of shady business is that. I rejected their terms and will be shopping around to transfer their balance to anyone that is not them and at a 0% balance transfer and pay off. BAD BUSINESS = CITI CARDS!!!!!

Complaint: Citicard recently raised my purchase APR interest rate from approximately 9% to 28.99% and lied they could not lower it for 12 months! When I called them back and asked if I could close the account they agreed to lower my rate back below 10% and told me I did not need to close my account! Why did I have to threaten to close my account before they agreed to lower my rate? I mentioned this in my recent wiki article: http://julianwayte.blogspot.com/2009/09/citicard-raising-credit-card-interest.html I would like to see regulations which penalized credit card companies for deliberate dishonesty and predatory practices.

Complaint: I had balance transfer offer at very low rate (2.99%)fixed until the amount is paid in full. So, I transferred a long while ago (almost 5 years ago). I have made absolutely zero purchases using the card since the standard rate on the card for purchases has been 19.99%. About 6 months ago, the card double posted my payment and then corrected the error by applying a charge under standard purchase. Then began collecting interest at the 19.99%. I have called several times since then to correct this. Every time they apologize and move things around with lots of + and - signs and errors and continue to ! apply high rates to the supposed purchase that never occurred. Because of the pattern, I am almost convinced that this is deliberate.

Complaint: Sometime last year my Citicard was replaced as a result of fraud. The replacement card that was provided, unsolicited, turned out to be the new Diamond Preferred Rewards card. When I called to inquire about the change, I was told that the new card works just the same as the old card, and only adds the "Thank You Network" feature, at no charge. I asked if I can instead have my old card back, and was told no... Now, less than a year later, I'm being charged a $30 membership fee, for doing nothing more than always paying the card charges in full every month. This is ridiculous, and I r! equest that: 1) These fees are removed; and 2) I am returned to a card with none of these nonsense fees. As of today, this card's application, printed off your website, still states that there are NO Annual Fees (without time limits). This instance again demonstrates the predatory behavior on the part of your company, Citigroup, and I am forwarding this letter to appropriate regulatory authorities and consumer groups. Please resolve this as soon as possible. Thanks, Anna Vaysleyb

Complaint: My accounts with Citibank are in good standing, never paid late. Despite this, I recently received a letter, like countless others, that they are raising my APR to 29.99%, from 9.99%. I have never even heard of an interest rate that high, and consider it to be extremely unethical, since they have recently barraged us with balance transfer offers at a low rate, only then to raise the purchase rate to an astronomical percentage as soon as that expires. Their explanation in this form letter implies that they need to do this to their customers, in order to keep lending money. They received, and then! paid back, TARP funds, and should have planned better. How dare they, in these times, created chaos and hardship in the financial lives of customers paying as agreed. I spoke to two supervisors yesterday, one a senior supervisor, asking them to admit that they knew about the new regulations going into effect that would make this practice illegal in January. I asked them to admit that they were simply trying to suck as much as they could out of us consumers in the months before this happened. When they repeatedly spouted how we have an option to close our accounts, I reminded them that that will lower credit scores, and cause rippling damage in the lives of their customers. Then they either claimed ignorance, or simply lied, saying "that will only have a negative effect on your credit if the account was closed by the bank instead of the account holder". I asked if they ever heard of, as senior supervisors, the debt to credit ratio. There was silence. To this I called them liars, working for thieves. We are trying to save our house, and this may be the straw that breaks our back. Citibank customers reading this, please do google searches to log your complaints everywhere, they have two different regulators, the OCC and the FDIC I think, and there are articles from the Wall Street Journal reporting how they get by by playing one against the other. So, write your representatives, I urge you. Call or email your local news stations. Log complaints on the consumer affairs and bbb.org sites. Do everything you can not to let them get away with this highway robbery. Thanks for listening

Complaint: From Zales: Our records reflect that your interest rate is currently 23.73%. The aforementioned rate is considered the Standard APR for Purchases as per the Zales credit card terms and conditions. For this reason, we are unable to negotiate a lower interest rate. From Unemployed: Original Message Follows: ------------------------ Most creditors will offer a lower interest rate providing the account holder has an account that is current. I have never missed a payment. I would like to know if Zales (Citi) is willing to lower the interest rate in order to pay this card off sooner. Thank You. From message.center@citicorp.com Subject Re: Unemployment Date October 15, 2009 5:04 EST Our records reflect that your account does not carry insurance protection. Our records indicate the insurance was cancelled 11/17/2004. If we can be of further assistance, please contact one of our Customer Service Representatives at: 1-888-438-6255 between the hours of 9 am - 9 pm., ET Monday through Friday.

Complaint: I have had this card for years and paid on time. I have an excellent credit rating. Now they have decided to raise my APR from 11.99% to 22.9%. They say they are doing this across the board for all their accounts. That was the only reason they would give me for this change. The only way to get a lower rate was to transfer at least $5000 to the account and get a 15.99 rate. That's right, I should give the crooks even more business so they can screw me again. This card is a Citibank card. I find it pathetic that they accept bailout money financed by TAXPAYERS many o! f whom are their cardholders and then they turn around and screw the very people that are paying to keep them afloat. I will be payingoff this card ASAP, but keeping it open just so they have the cost of the maintenance and sending out statements. They join CHASE as the top worst credit cards with the worst customer un-service and most unfair business practices. If you have them dump them. Citibank SUCKS!

Complaint: After signing in to the universalcard.com site, I was presented with a so-called "Security Question", namely "What is your favorite restaurant?". I answered this perhaps years ago, and forgot my answer; after 3 tries, I was shut out of the account for 24 hours. I called the help desk, and the woman said: 1. We(Citi/ATT) don't choose the questions. 2. The question is required by the Federal Government. 3. The account cannot be accessed for 24 hours no matter what I do. The first two assertions are patently false and are only trying to duck the blame. I told her that the feds do not "require" that I remember my favorite restaurant, and that Citi/ATT most certainly choose the software running the site, and hence could control the questions thereon. On the fact that I am locked out for 24 hours, I think this is overkill and may in fact reduce overall security by restricting my ability to choose the time and place where I make my online payment. The universalcard site is very poorly designed, so that's my complaint. (On the positive side, she said she would waive the fee to pay over the phone.)

Complaint: I've been an AT&T cardholder for 19 years and the service deteriorates every year, sad to say. The 800 member service line is front-loaded with lengthy promotional messages, forcing you to listen to them before you can speak with a live agent. Quite often this agent is struggling to speak English, resulting in substantial misunderstandings and unresolved issues. The rewards point system is one of the worst in the industry to understand and use. I generally pay my balance in full every month, have a credit score above 800, and feel that AT&T puts a pretty low value on my business. I'm g! rowing weary of AT&T's bad service and am looking at other cards like Chase. I've also experienced horrible customer service and fouled-up billing from AT&T for my Apple iPhone account, which makes me wonder if AT&T has larger problems developing and delivering consumer services.

Complaint: My husband went to use his card and it was declined, and it had a large amount available. He was told it was closed and he would get a letter in the mail. He was NEVER late with any payments. My mother got her stament in the mail the interest went from 5% to 29.99%, she never recieved a letter either. And this happened with 2 of her citi cards. She had to close them both to go back to her lower intrest rate. At this time she was refinancing her home also. I have letter from citi and they are jumping my intrest rate to 29.99%, so I also had to close my card to keep it at the lower rate. THEY SUCK ASS!!

Complaint: Changing my APR from 16% to 32% next month. Never missed a payment,never been late. Guess I have to pay for all the defaults. I have a couple of weeks to opt out which means closing the account to further charges. Heh, just in time to charge all my Christmas presents and freeze the interest rate as is. Just kidding. Really pathetic thing . . .I work for AT&T. Thanks. OW

Complaint: First this company offers no fee card, 8.something rate. Take tax payer money. Changes due dates in an attempt to make one make a late payment. Then they raise rates about 30% (no late payments, no missed payment) Called them on it and got a low rate again. Then after a month or 2 they raise rates over 30%!!!! Closed the account and paid it in FULL. Then they have the audacity to charge a finance charge on a zero balance account!!!! NEVER NEVER NEVER use any company owned or operated by this group of thieves.

Complaint: I had a Citibank credit card for 5 years. In all this time my payments were all in time with hardly any outstanding balances. So in Nov of last year I had one late payment. They charded me $39. I asked them to remove the charge but Citibank refused. They won't firgive my one late payment, but the American people gave th