15yr Citibank member says; Fuck you Citibank
I have been a Citibank member for 15 years. I got my first Citicard in 1995 while I was in the military after I got back from Korea because I figured it was time to go ahead and start working on my credit..
I have always tried to keep a balance off of it, but there have been a couple years where just due to the times I couldn’t help but carry a small balance..
Well the other day I went to pay off my card and I noticed that they bumped my APR to 29.998%… Are you fucking kidding me? 30% APR is highway robbery..
I called them up and asked them to lower my rate and they refused.. The operator I got ahold of (once I navigated their automated system) told me that “.. they were unable to lower my rate at this time. Thanks for calling.. *click*”
I immediately called them back and told the new operator (that I got after navigating their automated system.. again) that I wanted to cancel my account and that it was due to their recent rate hike.. I have zero intention of paying 30% and that’s ludicrous.. He said, “but wait.. what if we lowered your APR would that make you stay?”
I explained that the previous operator told me there was no way to lower my rate.. So I want to cancel the account.. (2).. He came back explaining that he could lower my rate to 26% for 6 months.. (after which it would spring back to 30%).. I said that this was a bunch of crap, that if this was such a deal why didn’t the last guy offer it and that 26% is still robbery.. No thank you, I’d like to cancel my account.. (3)..
“But wouldn’t you like to lower your rate?” .. I explained that if he could lower my rate to 0% I’d stick around, otherwise, I’d like to cancel my account.. (4).. “No you want to lower your rate, so that the remaining balance doesn’t take that 30% rate, but instead gets this much lower rate… “ (26% is “much lower”).. I told him that I just paid the account off, online.. that there is no remaining balance and that I’d like to cancel my account.. (5)..
But.. blah blah.. and blahdiddy blah.. I’d like to cancel my account.. (6).. if you keep pestering me to lower my rate I will ask to speak to your manager..
“Id be more than happy to let you speak to my manager.. but golly we need to lower this rate.. blah blah bullshit bullshit I’m a douche blah blah blah”.. I’d like to cancel my fucking account please.. (7).. and now I want to speak to your manager..
I honestly was getting really pissed.. this asshat wouldn’t let me just cancel the damn account.. I don’t want it any more.. you’re trying to screw me, and I refuse to do business with you.. Take your “amazing low rate of 26%” and shove it up your ass.. cancel my account.. I shouldn’t have to ask for this 7+ times.. (I’m sure it was more than 7.. this is very much the short version.. )
Eventually he asks me to hold (I fully expected him to just hang up the phone..) A minute or so later someone got on the line claiming to be his manager and I told him that I wanted to cancel the account and that I shouldn’t have to ask so many times, and that I shouldn’t be pressured to do something I don’t want to do.. I want to cancel the account.. Period.. I’m done working with you..
He said, “Fine it’s canceled, do you want confirmation of the cancelation?” — “You’re damn skippy.. “ – “It will be sent to your billing address.. *click*”
The manager was rude as hell.. I should never have had to deal with him.. The initial call taker should be fired to be honest.. Or retrained at best..
As to Citibank.. I’m done with you.. Jack my rate to 30% which should be criminal, and then as of April 1st 2010, charge a $60 annual fee just to have the card?! That’s $60 a year, just to have that card empty in your wallet. Are you kidding me? This is some kind of joke right?
It’s clear to me that Citibank doesn’t give a rats ass about their members if this is the way they plan to treat us.. So fine.. Bye.. I’m done with Citibank forever.. I wont do business with you ever again.. period.
More over I plan to tell as many people as possible not to do business with Citibank as they are clearly a bunch of crooks..
I worked for the credit card division of citibank until just recently. the apr increase was a crock of shit citi lost a lot of good standing cardholders because of it. I will never have a citi credit card
yeah, citibank is surely criminal scum, but wtf is with this font?
Horatio you should be seeing it in “Comic Sans MS”, if you don’t have that then you’ll see it in “Helvetica”.. It goes with the whole “note pad” theme..
What do you see?
hahaha citi crooks on your cc try to get a mortgage mod with them what a joke
I went through something similar several months ago, with Citi. They sent em a letter telling me that my 14.2% apr would be changing to 29.99% for reasons of “responsible buisiness practices due to the current economic crisis”. I shit you not. I figured I must have done something wrong? missed a payment? went over limit? So, I logged into my account and everything seemed just fine. I pulled my credit report, just to be sure that the APR increase was not my fault, and my credit is damn near perfect. LITERALLY. It even said, in black and white print, that i had NEVER missed a payment on any of my accounts over the last 10 years. So, confused as fuck, I called Citibank. They also admitted that the rate increase was no afult of my own but that it was somethign “they just had to do.” So, while i was cashing in my ThankYou points online, i said “Well, good then. Fuck you. Close my account.” They did, and as a stipulation of the original notification, I was able to maintain my 14.2% for the life of the balance. Now, I just throw money at it once a month and i have about 7K more to go until I am rid of Citibank for good. I will NEVER have another citi account for as long as I live. I even go so far as to boycott anything Citi owns, like the local baseball stadium. On the coat tails of my experience, all of my family memers ahve followed suit, closing their Citi accounts and even refinancing mortgages away form Citi. Fuck Citibank. I hope they die.
I had a Citi platinum, member since 1990. Rate was something like 5.6% in 2008 and sometime in 2009 it went to 13.99 on my statement. Called them and they claim they had sent out a rate jack letter, but I never saw it. Talked to the typical India female robot on the phone and kept politely pushing her to lower the rate back down. Finally she said “I’ll take care of you” and it seemed like everything was fine. Logged on to my online account and the lying bitch had closed it. Called back and talked to a “supervisor” who was somewhere in the US. Explained that I had never authorized closing the account. He lowered my rate to 12 something. that lasted about 6 months when another rate jack showed up bumping it to 16.99. This time I closed the account. Member since 1990, last payment missed sometime in 1995 because the mail got messed up (the pre-internet era when you actually had to mail payments) and 25k+ credit line.
Thanks for jacking rates when prime and fed funds rates are at historical ALL TIME lows. and fuck all you indian call center fucks, seriously learn to fucking communicate like a human and not some pathetic speak and spell
Wow! Look at all the complaints & I’m sure there are a lot more out there about this unscrupluous company. CitiCards is a definate loan-shark crooked scam which ruins lives…plus they’re into telephone harassment as well! 29.99% interest is totally insane! The law needs to put these asshole creeps away! Fucking blow-bastards!
Go fuck yourselves, CitiCards! Fuck You!!!
I closed my citbank card 20 months ago. Last week i get notified that a billing dispute could not be resolved in my favor and they charged me 625. I did not open a billing dispute and the supposed vendor has no record of me ever making a purchase.
Two separate citibank representatives told me that my account was closed with a zero balance. Based on the calls I was getting from Citibank’s debt collection dept, I knew that was incorrect. A third representative literally pulled someone else’ account open and starting detailing this individual’s charges over the phone to me! How’s that for security! So I have spent around 5 hours on the phone with these jokers, have a major hit on my credit report, and I don’t even do business with Citibank. I only wish we hadn’t bailed out this company with TARP. I hope at some point in their lives, the managers at citibank look bank and reflect on the misery they have caused. 625 was stolen from me, but others have had their house stolen by these crooks. YOU can make a difference. Think local, think small, think Credit Unions.
Ouch Jesse.. That sucks big time.. sorry to hear it..
And I do hope that they wake up, but most likely they never will.. why bother? There are how many thousands and thousands of people that maintain high balances at 30% basically funding this robbery.. They don’t know better, or are too lazy to try to change anything..
I’m of the opinion now that credit cards in general (living a constant life of debt) is a major problem in America..
Frankly if you can’t afford something, don’t buy it.. Carrying any kind of debt is foolish and only serves to keep you under the “systems” boot.