topic Re: I cannot even describe how much I hate Citi right now in Credit Cards

I cannot even describe how much I hate Citi right now

PDXoriginal — Wed, 24 Sep 2014 13:18:04 GMT

So like everyone else I converted my Thankyou Pref card to the new Double Cash, I have been using it fine for the last week until last night i got an email saying my new Thank You rewards account has been activated which made me check online and I see the double cash card missing and my old TYP card showing back with a zero balance and no history of activity.

I called into customer care and ask what the heck happened and they show no indication that I ever got a Double Cash card, they were very surprised I had one and have been using it! They couldn't find any history or even a current balance! They checked and said there is no reason why I couldn't have the DC card so they are completely confused why it disappeared and had to escalate it.

I returned a item on my Double Cash card last night and I am expecting a refund, what the heck is going to happen to that?!?!!?

I have done PCs with Amex and Chase, never had a problem ever or was always able to get an answer right away. Why is Citi so horrible? Customer service and back end systems.

Re: I cannot even describe how much I hate Citi right now

Jlu — Wed, 24 Sep 2014 13:25:23 GMT

Wait so you got a Double Cash with no TL hisory existing in their system? That's like a dream come true.

Re: I cannot even describe how much I hate Citi right now

PDXoriginal — Wed, 24 Sep 2014 13:30:11 GMT

Just heard back from them, they mistakenly converted it back to the TYP. They offered to convert it back to a DC, but at this point I'm going to wait and make sure everything properly shows up on the TYP.

Re: I cannot even describe how much I hate Citi right now

Anonymous — Wed, 24 Sep 2014 13:46:20 GMT

@PDXoriginal wrote:
Just heard back from them, they mistakenly converted it back to the TYP. They offered to convert it back to a DC, but at this point I'm going to wait and make sure everything properly shows up on the TYP.

Glad everything is fixed now ............i was Declined for a Citi DoubleCash and called 3 times to Reccon and spoke to 3 different people but NO luck, They are becoming as hard to get as AMEX

Re: I cannot even describe how much I hate Citi right now

jamesdwi — Wed, 24 Sep 2014 14:06:30 GMT

@Anonymous wrote:
@PDXoriginal wrote:
Just heard back from them, they mistakenly converted it back to the TYP. They offered to convert it back to a DC, but at this point I'm going to wait and make sure everything properly shows up on the TYP.
Glad everything is fixed now ............i was Declined for a Citi DoubleCash and called 3 times to Reccon and spoke to 3 different people but NO luck, They are becoming as hard to get as AMEX

AMEX is much easier to get than Citi, and Citi gives lower CL's and are harder to get CLI's

Re: I cannot even describe how much I hate Citi right now

AvadaKedavra — Wed, 24 Sep 2014 15:05:17 GMT

@Anonymous wrote:
@PDXoriginal wrote:
Just heard back from them, they mistakenly converted it back to the TYP. They offered to convert it back to a DC, but at this point I'm going to wait and make sure everything properly shows up on the TYP.
Glad everything is fixed now ............i was Declined for a Citi DoubleCash and called 3 times to Reccon and spoke to 3 different people but NO luck, They are becoming as hard to get as AMEX

Why did they deny you?

Re: I cannot even describe how much I hate Citi right now

navigatethis12 — Wed, 24 Sep 2014 15:35:13 GMT

@jamesdwi wrote:

AMEX is much easier to get than Citi, and Citi gives lower CL's and are harder to get CLI's
Opposite for me. American Express only gave me 4000 on a personal card and 500 on a business and declines a credit limit increase everytime. Citi approves each time I ask and I have 40600, 25000, and 2000. I'll take Citi over American Express any day.

Re: I cannot even describe how much I hate Citi right now

Anonymous — Wed, 24 Sep 2014 18:20:22 GMT

@PDXoriginal wrote:
So like everyone else I converted my Thankyou Pref card to the new Double Cash, I have been using it fine for the last week until last night i got an email saying my new Thank You rewards account has been activated which made me check online and I see the double cash card missing and my old TYP card showing back with a zero balance and no history of activity.

I called into customer care and ask what the heck happened and they show no indication that I ever got a Double Cash card, they were very surprised I had one and have been using it! They couldn't find any history or even a current balance! They checked and said there is no reason why I couldn't have the DC card so they are completely confused why it disappeared and had to escalate it.

I returned a item on my Double Cash card last night and I am expecting a refund, what the heck is going to happen to that?!?!!?

I have done PCs with Amex and Chase, never had a problem ever or was always able to get an answer right away. Why is Citi so horrible? Customer service and back end systems.

So, you hate a bank because they gave you a credit card to use that they don't hold you responsible for it? Wow. In the list of irrational hates, this is pretty much up there...

Re: I cannot even describe how much I hate Citi right now

Anonymous — Wed, 24 Sep 2014 18:23:20 GMT

@Anonymous wrote:
@PDXoriginal wrote:
So like everyone else I converted my Thankyou Pref card to the new Double Cash, I have been using it fine for the last week until last night i got an email saying my new Thank You rewards account has been activated which made me check online and I see the double cash card missing and my old TYP card showing back with a zero balance and no history of activity.

I called into customer care and ask what the heck happened and they show no indication that I ever got a Double Cash card, they were very surprised I had one and have been using it! They couldn't find any history or even a current balance! They checked and said there is no reason why I couldn't have the DC card so they are completely confused why it disappeared and had to escalate it.

I returned a item on my Double Cash card last night and I am expecting a refund, what the heck is going to happen to that?!?!!?

I have done PCs with Amex and Chase, never had a problem ever or was always able to get an answer right away. Why is Citi so horrible? Customer service and back end systems.

So, you hate a bank because they gave you a credit card to use that they don't hold you responsible for it? Wow. In the list of irrational hates, this is pretty much up there...

It's pretty unlikely that the charges will really go away! So the hate is because OP asked for a PC from A->B, which happened, then they did an unasked PC back from B->A, which is certainly annoying.

Re: I cannot even describe how much I hate Citi right now

Anonymous — Wed, 24 Sep 2014 19:05:17 GMT

@Anonymous wrote:
@Anonymous wrote:
@PDXoriginal wrote:
So like everyone else I converted my Thankyou Pref card to the new Double Cash, I have been using it fine for the last week until last night i got an email saying my new Thank You rewards account has been activated which made me check online and I see the double cash card missing and my old TYP card showing back with a zero balance and no history of activity.

I called into customer care and ask what the heck happened and they show no indication that I ever got a Double Cash card, they were very surprised I had one and have been using it! They couldn't find any history or even a current balance! They checked and said there is no reason why I couldn't have the DC card so they are completely confused why it disappeared and had to escalate it.

I returned a item on my Double Cash card last night and I am expecting a refund, what the heck is going to happen to that?!?!!?

I have done PCs with Amex and Chase, never had a problem ever or was always able to get an answer right away. Why is Citi so horrible? Customer service and back end systems.

So, you hate a bank because they gave you a credit card to use that they don't hold you responsible for it? Wow. In the list of irrational hates, this is pretty much up there...

It's pretty unlikely that the charges will really go away! So the hate is because OP asked for a PC from A->B, which happened, then they did an unasked PC back from B->A, which is certainly annoying.

I assume, Citi would eventually solve their own mess. Maybe. But, even then, I still fail to see how the OP was negatively affected in any way by the bank, much less to the point of hating them "beyond description"...

EDIT: This is my more measured reply, I had more chosen words for the OP's post, but since it probably was what brought the whole website down, I decided to tone it down a little...

Re: I cannot even describe how much I hate Citi right now

Anonymous — Wed, 24 Sep 2014 23:34:04 GMT

CITI is rated one of the poorest quality customer service of the year.

Re: I cannot even describe how much I hate Citi right now

SunriseEarth — Wed, 24 Sep 2014 23:45:02 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@PDXoriginal wrote:
So like everyone else I converted my Thankyou Pref card to the new Double Cash, I have been using it fine for the last week until last night i got an email saying my new Thank You rewards account has been activated which made me check online and I see the double cash card missing and my old TYP card showing back with a zero balance and no history of activity.

I called into customer care and ask what the heck happened and they show no indication that I ever got a Double Cash card, they were very surprised I had one and have been using it! They couldn't find any history or even a current balance! They checked and said there is no reason why I couldn't have the DC card so they are completely confused why it disappeared and had to escalate it.

I returned a item on my Double Cash card last night and I am expecting a refund, what the heck is going to happen to that?!?!!?

I have done PCs with Amex and Chase, never had a problem ever or was always able to get an answer right away. Why is Citi so horrible? Customer service and back end systems.

So, you hate a bank because they gave you a credit card to use that they don't hold you responsible for it? Wow. In the list of irrational hates, this is pretty much up there...

It's pretty unlikely that the charges will really go away! So the hate is because OP asked for a PC from A->B, which happened, then they did an unasked PC back from B->A, which is certainly annoying.

I assume, Citi would eventually solve their own mess. Maybe. But, even then, I still fail to see how the OP was negatively affected in any way by the bank, much less to the point of hating them "beyond description"...

EDIT: This is my more measured reply, I had more chosen words for the OP's post, but since it probably was what brought the whole website down, I decided to tone it down a little...

Perhaps there wasn't much "harm," but it was certainly a mistake. I'd be, at the very least, greatly concerned over such a mishap.

In any case, I can't say I'm really wowed by my DC so far, so I can see why others are feeling frustration at Citi.

Re: I cannot even describe how much I hate Citi right now

skigirl916 — Thu, 25 Sep 2014 00:17:00 GMT

@Anonymous wrote:
CITI is rated one of the poorest quality customer service of the year.

Word. They really are just the worst, IMO. I wish I could say otherwise, since I've been with them for so long.

Re: I cannot even describe how much I hate Citi right now

Anonymous — Thu, 25 Sep 2014 01:16:15 GMT

reminds me of what bank of the west banker told me, she worked at all the banks in my neighborhood, and refered citi bank as ****ty bank, and wells fargo as hells fargo

Re: I cannot even describe how much I hate Citi right now

weehoo — Thu, 25 Sep 2014 01:23:10 GMT

Hard to get good customer service from any company these days, not just CC companies.

Re: I cannot even describe how much I hate Citi right now

tcbofade — Thu, 25 Sep 2014 02:05:49 GMT

I have two life long dear, dear friends who work for Citi bank....and THEY refer to it as "poopybank".... (They've got small kids...)

@weehoo wrote:
Hard to get good customer service from any company these days, not just CC companies.

Re: I cannot even describe how much I hate Citi right now

Anonymous — Thu, 25 Sep 2014 02:23:38 GMT

@SunriseEarth wrote:
Perhaps there wasn't much "harm," but it was certainly a mistake. I'd be, at the very least, greatly concerned over such a mishap.

In any case, I can't say I'm really wowed by my DC so far, so I can see why others are feeling frustration at Citi.

Don't take me wrong, I don't have any experience with Citi, but, from a distance, they look amateurish. However, the "mistake" in this case was in the OP's favor, so what's the problem? Is like if the bank puts an "extra" million in your savings account. Is that a problem? Not if you pretend you didn't notice....

And as far as Citi DC, a card I am seriously considering, what "wow" were you expecting? It's a solid 2% card that has pretty much universal acceptance. That;s pretty WOW for me, but yet I am as easy as a Sunday morning.

Re: I cannot even describe how much I hate Citi right now

Anonymous — Thu, 25 Sep 2014 05:42:33 GMT

@AvadaKedavra wrote:
@Anonymous wrote:
@PDXoriginal wrote:
Just heard back from them, they mistakenly converted it back to the TYP. They offered to convert it back to a DC, but at this point I'm going to wait and make sure everything properly shows up on the TYP.
Glad everything is fixed now ............i was Declined for a Citi DoubleCash and called 3 times to Reccon and spoke to 3 different people but NO luck, They are becoming as hard to get as AMEX
Why did they deny you?

Limited Credit History and Too Many Hard Inquiries

Re: I cannot even describe how much I hate Citi right now

SunriseEarth — Thu, 25 Sep 2014 05:52:42 GMT

@Anonymous wrote:
@SunriseEarth wrote:
Perhaps there wasn't much "harm," but it was certainly a mistake. I'd be, at the very least, greatly concerned over such a mishap.

In any case, I can't say I'm really wowed by my DC so far, so I can see why others are feeling frustration at Citi.

Don't take me wrong, I don't have any experience with Citi, but, from a distance, they look amateurish. However, the "mistake" in this case was in the OP's favor, so what's the problem? Is like if the bank puts an "extra" million in your savings account. Is that a problem? Not if you pretend you didn't notice....

And as far as Citi DC, a card I am seriously considering, what "wow" were you expecting? It's a solid 2% card that has pretty much universal acceptance. That;s pretty WOW for me, but yet I am as easy as a Sunday morning.

I would expect a "prime" lender to offer a prime product. I don't feel like my DC is that. Yes, a 2% cash back MC is nice, but my QS1 is a 1.5% cash back with a better APR and a higher CL. Cap One has a much better mobile app and a better website for account management than Citi. Cap One can make this product better for me with no HPs....Citi isn't offering that. And then there's the no FTF, so if I travel, Citi won't be "what's in my wallet." Not to mention I can redeem my rewards quickly. I think it's sad that, as beleaguered as Cap One is, they've given me a product that I consider more prime than "prime" lender Citibank.

As for the OP, I wouldn't really call Citi's mistake a "benefit," as it seem to cause the OP concern and time wasted trying to research an issue.

Re: I cannot even describe how much I hate Citi right now

Anonymous — Thu, 25 Sep 2014 06:08:37 GMT

@SunriseEarth wrote:
@Anonymous wrote:
@SunriseEarth wrote:
Perhaps there wasn't much "harm," but it was certainly a mistake. I'd be, at the very least, greatly concerned over such a mishap.

In any case, I can't say I'm really wowed by my DC so far, so I can see why others are feeling frustration at Citi.

Don't take me wrong, I don't have any experience with Citi, but, from a distance, they look amateurish. However, the "mistake" in this case was in the OP's favor, so what's the problem? Is like if the bank puts an "extra" million in your savings account. Is that a problem? Not if you pretend you didn't notice....

And as far as Citi DC, a card I am seriously considering, what "wow" were you expecting? It's a solid 2% card that has pretty much universal acceptance. That;s pretty WOW for me, but yet I am as easy as a Sunday morning.

I would expect a "prime" lender to offer a prime product. I don't feel like my DC is that. Yes, a 2% cash back MC is nice, but my QS1 is a 1.5% cash back with a better APR and a higher CL. Cap One has a much better mobile app and a better website for account management than Citi. Cap One can make this product better for me with no HPs....Citi isn't offering that. And then there's the no FTF, so if I travel, Citi won't be "what's in my wallet." Not to mention I can redeem my rewards quickly. I think it's sad that, as beleaguered as Cap One is, they've given me a product that I consider more prime than "prime" lender Citibank.

As for the OP, I wouldn't really call Citi's mistake a "benefit," as it seem to cause the OP concern and time wasted trying to research an issue.

Thank you for your perspective on the Citi DC, since I am considering it. Let me just point out two things: I don't agree that CapOne APR is "better." There are NO better APR, they are all evil. It's like poisonous snake bites, some may be more deadly than others, but there are no "better ones." And say what you will about Citi DC, but they do give you 33% more rewards than QS. 33% more is a big number.....