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Started By
Message
Citi is still awful (2 years later update pg. 3)
Posted on 3/2/21 at 6:58 pm
Posted on 3/2/21 at 6:58 pm
Either Citi is having phone trouble or they don't know wtf they're doing, but we're on our 6th call with them now trying to get this resolved. Figured I would try here in the meantime.
The Citi app alerted us about a possibly fraudulent charge for $1500 last week, and we called to confirm that it wasn't us and disputed. The charge was still pending. They sent new cards.
We went to pay the bill today, and the disputed charge has posted. We did manage to talk to someone who said they are still investigating the charge and that it could take 2 months to resolve. So why did it post?
Anyway, the CS rep couldn't answer our questions, so they sent us to the security dept which keeps getting disconnected. The questions:
Will they charge us interest if we don't pay it?
Will this eat into our limit until it is resolved?
Sorry if these are dumb questions. We are trying to pose these dumb questions to Citi's security dept, but an hour and a half and now 7 calls later, we still haven't been able to talk to anyone about it.
The Citi app alerted us about a possibly fraudulent charge for $1500 last week, and we called to confirm that it wasn't us and disputed. The charge was still pending. They sent new cards.
We went to pay the bill today, and the disputed charge has posted. We did manage to talk to someone who said they are still investigating the charge and that it could take 2 months to resolve. So why did it post?
Anyway, the CS rep couldn't answer our questions, so they sent us to the security dept which keeps getting disconnected. The questions:
Will they charge us interest if we don't pay it?
Will this eat into our limit until it is resolved?
Sorry if these are dumb questions. We are trying to pose these dumb questions to Citi's security dept, but an hour and a half and now 7 calls later, we still haven't been able to talk to anyone about it.
This post was edited on 1/17/23 at 1:15 pm
9
Posted on 3/2/21 at 7:11 pm to Korkstand
Finally spoke with someone, and got the shitty answers I was expecting. It does count against our limit, and we will be charged interest if we don't pay it. IF they determine that it was in fact fraudulent, then the charged interest is returned.
They asked probing questions like have we asked each other about the charge, were the cards in our possession, etc as if this rep was conducting the "investigation" over the phone and we're the suspects.
Pretty shitty.
They asked probing questions like have we asked each other about the charge, were the cards in our possession, etc as if this rep was conducting the "investigation" over the phone and we're the suspects.
Pretty shitty.
Posted on 3/2/21 at 7:23 pm to Korkstand
I have chase and they seem to get alot of hate, no problems here. Anytime something like that happens they take care of it right away. Charge might show for a day or 2 but that's it. Even had them call me and ask if I had certain fraudulent charges before I seen them.
Posted on 3/2/21 at 8:44 pm to Korkstand
I got phone w Citibank about ah hour ago. Security center must be in India. Had a $3800 fraud charge to Cornell University Vet Specialists on Feb 23. Disputed. Got new cards last week. Logged in tonight and it back on card cleared. They finally said to be patient bc they are going to investigate bc of large amount.
Posted on 3/3/21 at 7:35 am to Korkstand
Citi does not care and I would leave them.
There is a lot to be said about having cards from smaller financial institutions or credit unions.
There is a lot to be said about having cards from smaller financial institutions or credit unions.
Posted on 3/3/21 at 8:12 am to Korkstand
Citibank doesn't care about consumer accounts.
Posted on 3/3/21 at 8:13 am to Korkstand
Have had this happen with Chase a few times over the years and it sounds like the opposite approach.
If it is suspected of fraud they remove it from the bill and only add it back if they deem it was not
If it is suspected of fraud they remove it from the bill and only add it back if they deem it was not
Posted on 3/3/21 at 2:04 pm to Korkstand
First of all, thanks for the times you've helped me on The Tech Board.
I've had a few fraudulent charges on my cards over the years, sometimes posted, some not. It was always cleared up, whether in a day or a few weeks.
I can't imagine they would actually charge you interest after it's proven fraudulent.
As far as your limit, just call them and ask them to increase it. Certainly shouldn't be a big deal to increase it by $1000. I wouldn't mention why either.
Meanwhile, since you're pissed, go get another card and move on.
I'm also a merchant and have dealt on the other end of things too. It always works out, sometimes fast, sometimes not. I've made a few mistakes over the years and if it involves a cc, I always offer to write the customer a check after I tell them it may take a week or so for the bank to clear the error.
Best of luck, but if I were you, I wouldn't sweat it.
I've had a few fraudulent charges on my cards over the years, sometimes posted, some not. It was always cleared up, whether in a day or a few weeks.
I can't imagine they would actually charge you interest after it's proven fraudulent.
As far as your limit, just call them and ask them to increase it. Certainly shouldn't be a big deal to increase it by $1000. I wouldn't mention why either.
Meanwhile, since you're pissed, go get another card and move on.
I'm also a merchant and have dealt on the other end of things too. It always works out, sometimes fast, sometimes not. I've made a few mistakes over the years and if it involves a cc, I always offer to write the customer a check after I tell them it may take a week or so for the bank to clear the error.
Best of luck, but if I were you, I wouldn't sweat it.
Posted on 3/13/21 at 6:29 am to Korkstand
For these reasons I exclusively buy things with our AMEX Platinum and Gold. I’ve disputed a charge once. It took about three weeks to resolve but they removed it from statements and didn’t have to pay for it in the interim. It was for a hotel that was cancelled within the cancellation period- they refused to return the money.
If you’ve got the money and credit, I’d go to AMEX. Even if it’s one of their regular CCs. Customer service is excellent.
If you’ve got the money and credit, I’d go to AMEX. Even if it’s one of their regular CCs. Customer service is excellent.
This post was edited on 3/13/21 at 6:32 am
Posted on 1/17/23 at 1:14 pm to Korkstand
It took so long to get this resolved that I forgot to update once Citi finally gave us the money back. But now I have another update which is even more bizarre!
Of course the compromised card number was canceled well over a year ago, and they sent us a new one. And of course we have other cards now, but like a dumbass I didn't cancel the account with Citi altogether.
THERE WAS ANOTHER CHARGE LAST MONTH to the same merchant (Microsoft). The charge showed up under our NEW card number account, but the evidence presented to us by Citi (which they acquired from Microsoft) clearly shows the charge was made to our OLD card number. Last month. Over a year after it has been canceled.
The evidence lists a woman's name who we do not know, and an address and phone number which are not and have never been associated with our account. But the evidence states that the name and address match our account, and they sent it to us like it's all legit, along with a letter stating that they've closed the investigation and that they've reversed the temporary credit. Then there is a place to sign stating, once again, that the charge is not authorized.
At this point I can't even be sure that closing the account will do any good.
Of course the compromised card number was canceled well over a year ago, and they sent us a new one. And of course we have other cards now, but like a dumbass I didn't cancel the account with Citi altogether.
THERE WAS ANOTHER CHARGE LAST MONTH to the same merchant (Microsoft). The charge showed up under our NEW card number account, but the evidence presented to us by Citi (which they acquired from Microsoft) clearly shows the charge was made to our OLD card number. Last month. Over a year after it has been canceled.
The evidence lists a woman's name who we do not know, and an address and phone number which are not and have never been associated with our account. But the evidence states that the name and address match our account, and they sent it to us like it's all legit, along with a letter stating that they've closed the investigation and that they've reversed the temporary credit. Then there is a place to sign stating, once again, that the charge is not authorized.
At this point I can't even be sure that closing the account will do any good.
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