Citibank

Citi Bank located on 15410 Whittier Blvd, Whittier, CA 90603 has violated CA BUSINESS AND PROFESSIONAL CODE 17200, Chapter 1 of Part 3 of Division 7. My husband and I, each with separate business accounts have endured much grief in December 2022 and April 1, 2023 through May 26, 2023. What we have experienced is an unfair and deceptive business practice with misleading advertising. The branch manager, Yolanda Slim, neglected to fulfill her duty of Standard of Care when I addressed the issue. She refused to review the evidence to prove that they owe me $700 bonus, the same evidence that resulted in paying the bonus and this negative feedback after filing complaints with Consumer Financial Protection Bureau four times. She argued to say that my $10,000 of $25,000 deposit to open a new account came from Citi accounts. Ironically, Citi's own online banking page shows otherwise. Her professional negligence resulted in two months of agonizing grief and loss of interest payment from my other bank. This is my second time fighting for the bonus. With my husband's fight for his bonus, we noticed Citi's repeated pattern of unfair and deceptive business practice. The repeated pattern follows these steps: 1) the branch offers the bonus on a flyer, 2) Citi doesn't pay the bonus within the time agreed, 3) the Personal Banker at the branch opens an investigation for Executive Response Unit (ERU) , 4) Citi's ERU then sends out a letter to the customer stating that he/she/they are not eligible for the bonus and to see the terms and conditions attached to the letter. Ironically, they are the same terms and conditions that our Personal Banker at its branch followed to check our eligibility for the bonus and opened our accounts. My husband and I have received several bonuses from Citi in the past, and through our Personal Banker, we have learned that the "180 days" mentioned in the terms and conditions refers to the date of "opening" the previous account, but it is not clearly stated in the terms and conditions. It is written to confuse the customers or ERU does not understand its own terms and conditions. Chase bank uses the same rules of counting days from the previous account "open date" and not "closed date" when they check for eligibility to open an account for the bonus. While Citi holds your funds hostage while you put up a fight, they make money on your money with no intention to pay any interest. The customer must keep its minimum required balance in the account to avoid any monthly maintenance fees and must keep the account open to receive the bonus, when the customers finally win the battle. This is another dirty tactic to borrow money from its customers without paying a penny for it. My husband and I saw Citi as a financial giant that we could trust. These three experiences of the same unfair and deceptive business practice with repeated pattern, within the last six months, completely erased any positive thoughts about Citi. I regret promoting their bonus deals to my friends and loved ones.

NOT ENOUGH BRANCHES. POOR CUSTOMER SERVICE. UNTRUSTWORTHY. WOULD NOT RECOMMEND. CHECK OTHER REVIEWS ONLINE.