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Citibank N A Complaint - Customer "NO" Service - Credi Cards

Credi Cards - Complaint
Review by Mike-K on 2010-09-29
Having been a customer with Citibank for a few years now, carrying a credit card of theirs, I am finding myself in a situation where I fall on deaf ears with their so-called customer service.

We tax payers have bailed this company out. In these economic times, many of us "little people" are hit with financial disasters. So, here I am, having had surgery and other medical issues, bad health insurance which did not pay all of the procedures. This situation forced me to fore go payments to on my monthly balance.

Now I am in collections. Explaining to those people that I will not have any money until the first quarter of 2011 is just being ignored. This financial "institution" would rather have me send them what I can and go hungry just to satisfy them.

I am not one who does not honor his obligations, but when you need a break and can't get one, it gives you second thoughts.

To add to dilemma: their website will not allow you to send them a message to explain your situation. Customer Service? I think NOT! However, I did obtain a list of exec's email addresses with this company. We shall see.

Once I've honored my debt with them, they are history as they do not care about us people in the least. They will lose yet another customer. I do hope that they will eventually go belly up without being bailed out with our tax monies once more.
Comments:
Posted by CaptainSpaulding on 2010-09-29:
Citibank is a terrible bank! With their "we don't give a crap" attitude and their lousy customer service, it seems as though they actually want to go out of business!

Citibank? No, they're actually "Schitibank"!
Posted by Mike-K on 2010-09-29:
I hear you. I actually received a response to my email to the executive offices, basically stating that "We're sorry you don't have any money, but you NEED to pay us something NOW!"

You know what, let them write off my balance as collectible. That's just fine by me.

Thanks for you comment.
Posted by saj80 on 2010-09-29:
I am not justifying Citibank's behavior, but they have received so many calls requesting assistance or forebearance that they have started telling everyone "no".
Posted by CaptainSpaulding on 2010-09-29:
saj80: Citibank sure was quick to take that American taxpayer funded bailout money, weren't they?
Posted by leet60 on 2010-09-29:
While your situation is unfortunate, Citibank, and any other bank or credit card issuer are a business. They have a responsibility to their stockholders to make a profit.

You recieve and agree to a cardholder agreement, you requesting use of money you do not have (their depositors money) and they agreeing to let you use that money on a card under specific terms. No where in the agreement do they offer or agree that if you are in ill health, jobless or "short" for a month that you can simply skip payments until your situation is better.

Your situation is endemic of our society. Few if any have savings accounts, the majority live well beyond their means and carry signifigant credit card debt.

While I empathize with you, this is not the fault of the credit card company or bank. One offer that they all make, not recommended by most, but you should have considered was the credit insurance.
Posted by warddw1526 on 2010-09-30:
Citibank received $45 billion from the government in assistance. They have paid back $20 billion already, and the remaining $25 billion dollars was converted to common stock. Now that stock is worth $33 billion dollars, so the government has made a profit from the bailout money.
Posted by CaptainSpaulding on 2010-09-30:
warddw1526: yeah, right!

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