• Report: #772886

Complaint Review: CITIBANK N.A.

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  • Submitted: Sun, September 04, 2011
  • Updated: Fri, October 21, 2011

  • Reported By: T. — Coral Gables Florida U.S.A.
CITIBANK N.A.
Internet, Florida United States of America

CITIBANK N.A. UNFAIR AND DECEPTIVE PRACTICES UNDISCLOSED INCREASE IN ACCOUNT MAINTENANCE RESULTS IN PREDATORY AND OUTRAGEOUS OVERDRAFT FEES Internet, Florida

*Consumer Comment: Sorry Stacey

*Consumer Comment: I refuse to be taken advantage of or done again if stacy dan boy ken the two roberts don't like it tough crap so they can accuse me of anything they feel like

*Consumer Comment: whoa!!!!

*Consumer Comment: There is no need for people to treat me like garbage on this site i have done nothing to them i don't even know them there is no need i will attack back when people unfairly attack me

*Consumer Comment: Threeclouds = Chuckie

*Consumer Comment: What's the real story?

*UPDATE EX-employee responds: Thank you for advocating for Citcards

*Consumer Comment: Thanks for the vote of confidence, Three Clouds...

*Consumer Comment: oh ken

*Author of original report: AUTHOR: Ken - Greeley (USA)

*Consumer Comment: Hye, Dan, just post rebuttals supporting ANY company and opposing the OP and the companies will find YOU

*Consumer Comment: At first, I thought you were just an irate consumer posting a complaint, but..

*Author of original report: Corporate Shills

*Consumer Comment: There it is!

*Consumer Comment: Hey, Ken

*Consumer Comment: Hey "T"....Don't be so gullible! That was NOT CitiBank!!

*Author of original report: Your arrogant response makes my case easier to prosecute.

*Author of original report: Your arrogant response makes my case easier to prosecute.

*Consumer Comment: You wrote this....

*Consumer Comment: Please call your overdraft fees in full

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It seems Citibank has not cleaned up its act and in fact Citibank seems to be going out of its way to rip off customers and consumers every which way it can.

I maintain a low or zero balance checking account with Citibank and have had the account since the nineties.I always deposit the amount of the monthly service fee into the account prior to the due date.

In August 2011 I deposited the usual $8.50 into the account and thought nothing of it.

Shortly thereafter I found myself barraged by harassing calls from Citibank several times a day for an alleged overdraft fee that totaled 350% of the monthly service charge.

When I inquired about the problem I was told by very rude and threatening Citibank employees that I owed the money and must pay them immediately or the calls would escalate and the item would be reported adversely to all of the major credit bureaus if I did not make immediate payment.

I noticed that Citibank without any written or other notices or disclosures to me had raised the monthly fees on the account by one dollar a month and that this had caused an overdraft when applied to the account.

In my opinion Citibank is a criminal organization rife with idiots and fraudsters taking their lead from the same management group that required billions of dollars in taxpayer funded assistance to deal with a vast array of problems due directly to the mismanagement and fraud that took place at the bank under this very same style of management.

The the bank is apparently still under the guidance and control of many of these same people who should have been dismissed,disgorged of compensation ,and probably indicted.

On a daily basis as in this matter it seems fairly obvious the bank engages in predatory conduct that is both unfair and deceptive towards its customers and other consumers that are customers and it acts as if it expects that if it engages in massive fraud it will be bailed out of its mess because it is too big to fail or be punished in any meaningful way.

How many millions of dollars did Citibank realize this month by ripping off its customers and stealing mone from them this way so unabashedly?

In my opinion this bank is financially raping American taxpayers and screwing consumers every which way it can.

It is time for a class action with a claim for punitive damages and a very generous LODESTAR ENHANCEMENT added to any award of attorneys' fees.The sooner the better.

This report was posted on Ripoff Report on 09/04/2011 04:17 AM and is a permanent record located here: http://www.ripoffreport.com/r/CITIBANK-NA/Internet-Florida-/CITIBANK-NA-UNFAIR-AND-DECEPTIVE-PRACTICES-UNDISCLOSED-INCREASE-IN-ACCOUNT-MAINTENANCE-772886. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
4Author 16Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Sorry Stacey

AUTHOR: Dan - (U.S.A.)

I didn't mean to offend you, but it seems that yourself, robert  x2, and ken are always accused of being shills. It was just a little humor.

As to threeclods ;) being chuckles? I don't think so, there is one trait of chuckles that is missing. I think he is just poorly educated.
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#2 Consumer Comment

I refuse to be taken advantage of or done again if stacy dan boy ken the two roberts don't like it tough crap so they can accuse me of anything they feel like

AUTHOR: Charles - (USA)

I refuse to be taken advantage of again. That is why people hate me so much,  because i refuse not to be taken advantage of.
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#3 Consumer Comment

whoa!!!!

AUTHOR: Stacey - (U.S.A.)

Leave me out of this DAN! Corporate shill - if I was then I would not be worrying about how to pay for things in this economy. Go crawl back under your rock.
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There is no need for people to treat me like "Garbage".  I will attack back when people unfairly attack me.
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#5 Consumer Comment

Threeclouds = Chuckie

AUTHOR: Ashley - (U.S.A.)

Just look at that grammar. Look at him attacking the other posters. It has to be charles.
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#6 Consumer Comment

What's the real story?

AUTHOR: Flynrider - (USA)

"  And as always, thank you for banking with Citi. We appreciate your business! "

     I've been seeing your posts lately and you seem to be implying that you are representing Citi on this site, yet you post as an "Ex-employee".   Which is it?  

     BTW, if you really are working for Citicorp, you should know that there are regulations governing bank communications that you are breaking with your posts.   If you don't know what I'm referring to, better ask your boss or check your employee handbook before posting again.
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#7 UPDATE EX-employee responds

Thank you for advocating for Citcards

AUTHOR: smartprov - (USA)

Citibank (South Dakota), N.A. appreciates feedback from clients. It is useful for market research and banking trends. We at Citibank understand that our clients are the backbone of our business and our products and services are very competitive in the market.
Many clients issued frustrations with debit card fees and we listened! Citibank will not charge for debit cards but had repriced our banking packages that fit client needs and services. We understand and want to help. Please call us at (800) 274-6660. We look forward to working with you. And as always, thank you for banking with Citi. We appreciate your business!
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#8 Consumer Comment

Thanks for the vote of confidence, Three Clouds...

AUTHOR: Ken - (USA)

#12 Consumer Comment
"oh ken
AUTHOR: threeclouds - (United States of America)
SUBMITTED: Monday, October 17, 2011POSTED: Monday, October 17, 2011
I would like to say this ken guy seams to know it all but that fact is he dose not know anything at all as he post on automotive etc. what i see is he a jack of all but a master of none the same go's for the rest of you who seam to spam this site and others sites as well, so ken shut your pie hole until you have your facts straight and provide said facts to be true as it's a sad day that there are still bottom feeder like your self who are clueless as i have called you out what do you do nothing cause you know that i am wright and if you are i mean a big if i doubt it as i have said from the start you don't no jack. and further more i think it's nap time for you so take your meds and your baby bottle and your clean big boy Hughes so us adults can have a normal conversation with out your baby babble a long with your friends as most people know that banks credit card etc companies took money to be bailed out cause of mismanagement over spending a long with bonus cutting jobs or making hard working people take a pay cut, so C E O management can have fatter accounts&pockets you do not see this cause you have no compassion or facts to back your theory so my conclusion ken you are a moron."

In spite of your almost illiterate post, I'll continue to call them like I see them. I underlined a few of your spelling, mis-use and grammatical errors for you. We can work on your lack of punctuation on your next post to me. :)

To continue to use the excuse that the bailouts caused all our troubles is a little less than accurate.
Many have paid the government (us) back the loaned amount + interest.

It's a supreme cop out to keep using this excuse to hate the business for any perceived infraction.

FYI, Three Dark Clouds, as long as Reports are filed here and I see a need to comment, you can count on it....does that work for you?.....Oh, it doesn't really matter to me if it does or not.

Have a great day.
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#9 Consumer Comment

oh ken

AUTHOR: threeclouds - (United States of America)

I would like to say this ken guy seams to know it all but that fact is he dose not know anything at all as he post on automotive etc. what i see is he a jack of all but a master of none the same go's for the rest of you who seam to spam this site and others sites as well, so ken shut your pie hole until you have your facts straight and provide said facts to be true as it's a sad day that there are still bottom feeder like your self who are clueless as i have called you out what do you do nothing cause you know that i am wright and if  you are i mean a big if i doubt it as i have said from the start you don't no jack. and further more i think it's nap time for you so take your meds and your baby bottle and your clean big boy Hughes so us adults can have a normal conversation with out your baby babble a long with your friends as most people know that banks credit card etc companies took money to be bailed out cause of mismanagement over spending a long with bonus cutting jobs or making hard working people take a pay cut, so C E O management can have fatter accounts&pockets you do not see this cause you have no compassion or facts to back your theory so my conclusion ken you are a moron.
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#10 Author of original report

AUTHOR: Ken - Greeley (USA)

AUTHOR: T. - (U.S.A.)

Inane would more aptly describe the sum of all your postings on this site not only in response to my complaint but all others to which you decide to address by way of your antagonistic knee jerk pro-corporate rhetoric.

It seems to me your whole purpose in being here is to demean,denigrate, and defame consumers who choose to let the public know that they have legitimate grievances with certain organizations and persons.The only thing I have seen you do on this site from my research is to engage in a pattern of harassing people posting reports by insulting them for standing up publicly and acknowledging that they were being victimed.

Your presence here is disruptive at best and is detrimental and serves to devalue and diminish this websites reputation and functionality.

My question is are you incarcerated in prison or a mental hospital or do you work in a corporate boiler room somewhere offshore like Nigeria or India or do you even exist at all outside of someone's demented imagination being projected into cyberspace?
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#11 Consumer Comment

Hye, Dan, just post rebuttals supporting ANY company and opposing the OP and the companies will find YOU

AUTHOR: Ken - (USA)

#6 Consumer Comment
Hey, Ken
AUTHOR: Dan - buffalo (U.S.A.)
SUBMITTED: Monday, October 17, 2011POSTED: Monday, October 17, 2011
how do I sign up to become a corporate shill for all these companies that you, robert - buffalo, robert-irvine, and stacey work for? I need some extra cash, and this seems like you guys are making a mint with all these "shill checks" you get. you can email me at vegasman at yahoo. com (you know what to do with that)

I'm thinking, though, of filing some Ripoff Reports against a couple of the companies...their "shill checks" are a little late arriving.  :)

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#12 Consumer Comment

At first, I thought you were just an irate consumer posting a complaint, but..

AUTHOR: Ken - (USA)

you've confirmed you're an idiot. 

Good luck with your "lawsuit"...all your pseudo-legal posturing means nothing.  You haven't a leg to stand on. Too bad you flunked out of your first semester of law school.

Keep posting, you're keeping us entertained with your inanity.
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#13 Author of original report

Corporate Shills

AUTHOR: T. - (U.S.A.)

It seems like posting here brings out a myriad of corporate shills posing as real people who do not even take the time to read the fact patterns in the complaints before spewing out conclusory comments condemning the party or parties who posted complaints on here.

From the essence of the comments I am seeing most of the shills did not read or understand the post and have very little correct working knowledge of the law or more specifically consumer laws.They do not even get their basic facts correct.

It seems like these people for the most part have nothing better to do than pile on with their knee jerk US Chamber of Commerce scripted mantras.

If these are real people and they are voting ,serving on juries,or serving in public office it is no wonder the country is collapsing economically and politically.

My guess is they are paid shills working for a service that offers them compensation to disguise  themselves as average Joe's or pseudo authorities on subject matters beyond the limitations of their limited knowledge in order to  try to discredit and harass those posting complaints here.

They provide little more than rhetoric and  misinformation  so as confuse readers about legal issues and shift the blame entirely to the victim of the ripoff.It is a calculated method to discourage others who have been wronged who are reading these posts from aggressively pursuing a course of action to protect their rights
.
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#14 Consumer Comment

There it is!

AUTHOR: Flynrider - (USA)

"By all means keep spewing out your scripted corporate spin on this as it is certainly entertaining and will be very profitable for my class action onces it reaches a judge and a jury in US District Court.  "

    I was wondering when this whiner was going to start crying class action.   Please, post back here and make all of us look foolish when you've certified your class.  We'll be waiting. 

    My guess on the outcome of this is that you'll only see Citi in court when they file for a judgement against you.

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#15 Consumer Comment

Hey, Ken

AUTHOR: Dan - (U.S.A.)

how do I sign up to become a corporate shill for all these companies that you, robert - buffalo, robert-irvine, and stacey work for? I need some extra cash, and this seems like you guys are making a mint with all these "shill checks" you get. you can email me at vegasman at yahoo. com (you know what to do with that)
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#16 Consumer Comment

Hey "T"....Don't be so gullible! That was NOT CitiBank!!

AUTHOR: Southern Chemical and Equipment LLC - (USA)

"T",

Someone is messing with you.

That post was NOT done by anyone at CitiBank.

Don't be so gullible. Any genuine CitiBank employee would post name,branch, dept., and extension info. for you to respond and resolve the matter at hand.

And, your entire post is ridiculous anyway.

If you are so broke that you keep near a zero balance in your checking account, HOW are you going to sue anyone? I can guarantee you that no lawyer would take this on a contingency fee basis, as there is no case!

My advice to you is to close that checking account, as you obviously cannot afford to have it.

All of this over $1???????????

Grow up.

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#17 Author of original report

Your arrogant response makes my case easier to prosecute.

AUTHOR: T. - (U.S.A.)

Your arrogant response fully supports my arguments in this matter.

Your response also supports the argument that punitive damages are warranted if and when this matter is ripe for litigation since your approach to this matter shows institutional indifference to and ratification of the organizations egregious conduct towards it's customers.

The position that you are stating is that Citibank structures contracts of adhesion with customers that are deliberately structured to provide an illusion of legal cover for it's conduct of unfair and deceptive business practices towards it's customers as well as allowing it to engage in tortuous conduct and other unlawful acts where it's customers are concerned because Citibank is alleging that they are a party to such a contract that Citibank can change at will and the contract allows Citibank to conceal these changes or fail to make reasonable notifications to it's customers if it so pleases the organization.

Please feel free to keep posting here and providing more evidence for use in litigation and for the use of  the Office of The Comptroller of the Currency and the federal Consumer Financial Protection Bureau in the pursuit of their investigations of this and similar complaints against your organization.

The fact that you are putting forth any public argument to justify your position in this and such matters is reprehensible and shows a complete lack of remorse for the type conduct which is the subject matter of the complaint and makes the argument that Citibank deliberately engages in calculated conduct ratified at various levels of management which defrauds customers and otherwise enables the organization to unjustly enrich itself by way of pattern conduct which involves mirepresentation and fraud and civil theft directed at unwitting customers and consumers.

It will be a cold day in hell before I pay Citibank anything in this matter and I hope to make sure that Citibank pays a far larger sum than the sum of all of the illicit profits that it unlawfully realized as a consequence of it's actions in these matters and more specifically in this instance.

By all means keep spewing out your scripted corporate spin on this as it is certainly entertaining and will be very profitable for my class action onces it reaches a judge and a jury in US District Court.

US taxpayers bailed Citibank out of the problems directly attributable to a corporate culture where institutional fraud was the order of the day and yet from what I can see old habits die hard. 

It must be nice to work as a shill for a corporation rife with fraud and abuses of consumers.How much do they pay you as a debt collector to go on sites like this and harass consumers who have legitimate grievances concerning Citibank's unfair and deceptive business practices?

I find it interesting and dubious that this complaint has been online for a month and suddenly on the same date at around the same time I am getting hit with two responses advocating for Citibank almost simultaneously.

It would certainly be interesting to know what amount you are being paid to harass people who are posting complaints against your employer online since the US taxpayers own a significant block of stock in your organization and I know of a number of Congressmen and Senators that would be interested in investigating how and why Citibank squanders it's taxpayer funded resources to avoid cleaning up it's act by using employees or contractors to make overt attempts to intimidate and extort victimized consumers and critics who publicly out Citibank's very  egregious anti-consumer conduct on the internet
.
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#18 Author of original report

Your arrogant response makes my case easier to prosecute.

AUTHOR: T. - (U.S.A.)

Your arrogant response fully supports my arguments in this matter.

Your response also supports the argument that punitive damages are warranted if and when this matter is ripe for litigation since your approach to this matter shows institutional indifference to and ratification of the organizations egregious conduct towards it's customers.

The position that you are stating is that Citibank structures contracts of adhesion with customers that are deliberately structured to provide an illusion of legal cover for it's conduct of unfair and deceptive business practices towards it's customers as well as allowing it to engage in tortuous conduct and other unlawful acts where it's customers are concerned because Citibank is alleging that they are a party to such a contract that Citibank can change at will and the contract allows Citibank to conceal these changes or fail to make reasonable notifications to it's customers if it so pleases the organization.

Please feel free to keep posting here and providing more evidence for use in litigation and for the use of  the Office of The Comptroller of the Currency and the federal Consumer Financial Protection Bureau in the pursuit of their investigations of this and similar complaints against your organization. 

The fact that you are putting forth any public argument to justify your position in this and such matters is reprehensible and shows a complete lack of remorse for the type conduct which is the subject matter of the complaint and makes the argument that Citibank deliberately engages in calculated conduct ratified at various levels of management which defrauds customers and otherwise enables the organization to unjustly enrich itself by way of pattern conduct which involves mirepresentation and fraud and civil theft directed at unwitting customers and consumers.

It will be a cold day in hell before I pay Citibank anything in this matter and I hope to make sure that Citibank pays a far larger sum than the sum of all of the illicit profits that it unlawfully realized as a consequence of it's actions in these matters and more specifically in this instance.

By all means keep spewing out your scripted corporate spin on this as it is certainly entertaining and will be very profitable for my class action onces it reaches a judge and a jury in US District Court.

US taxpayers bailed Citibank out of the problems directly attributable to a corporate culture where institutional fraud was the order of the day and yet from what I can see old habits die hard.  

It must be nice to work as a shill for a corporation rife with fraud and abuses of consumers.How much do they pay you as a debt collector to go on sites like this and harass consumers who have legitimate grievances concerning Citibank's unfair and deceptive business practices?it would certainly be interesting to know what amount you are being paid to harass people since the US taxpayers own a significant block of stock in your organization and I know a number of Congressmen and Senators that would be interested in investigating how Citibank squanders it's taxpayer funded resources to avoid cleaning up it's act by attempting to intimidate and extort victimized consumers who out such conduct on the internet.
 
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#19 Consumer Comment

You wrote this....

AUTHOR: Ken - (USA)

"I noticed that Citibank without any written or other notices or disclosures to me had raised the monthly fees on the account by one dollar a month and that this had caused an overdraft when applied to the account"
They DO notify you by the little folder of information they periodically send with your statement...it's the little white paper thing with fine print that you throw away.  For them to do otherwise would be counter-productive and probably illegal.

You really should look at these, the next one will probably contain information that you will have to keep a minimum or higher balance in your account or face even higher charges, this will be the next one you throw away without reading and you'll be back here complaining "I wasn't told and it's all so unfair and predatory and the bank should be punished,"


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#20 Consumer Comment

Please call your overdraft fees in full

AUTHOR: smartprov - (USA)

Citibank, N.A. understands that sometimes bad things happen to good people. Citi prides itself in the best of customer service and alerts clients immediately of any changes in account activity. When you first applied for the account, the fine print states that you agree to any changes now and in the future regarding pricing structures, overdraft fees, and changes to any account. You signed the contract and accepted any future addendums to your account. In addition, using the account implicitly secures that binding contract.
Unfortunately, the only way that you will be able to resolve this arduous situation, is to pay Citibank, N.A. in full immediately. If you chose not to pay in full, Citi will charge-off your account, report it to ChexSystems and file negative entries on your credit reports. This will make it very difficult for you to open up other accounts at other financial institutions. Furthermore, your credit scores will plummet and could possibly result in a denial of a job offer, and any other line of credit.
Citi is more than willing to set up a reasonable payment arrangement for you that is reasonable. Why not call today? Our account specialists are available 24/7 to take your call. Please call (800) 274-6660. We are awaiting your call. We are here to help. Thank you for banking with Citi. As always, we appreciate your business. Sincerely, Citibank, N.A.
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