I would like to begin by saying if I could give zero stars, I would. My family was victim of a forgery case in which a hacker took a sum of thousands from various accounts and withdrew it in cash from a teller in another state across the country. Upon calling to try and resolve this issue, we were gravely inconvenienced by the horrendous service.
First, we were transferred to multiple different customer service representatives, all of which had a lack of proficiency in English. This greatly hindered the progress of solving our problem and became increasingly frustrating, as we continued to be transferred to different representatives, all of which were inefficient.
It took hours, actually over half a day, for these representatives to come to the conclusion that the case was forgery. During the process of explaining what had happened multiple times, we requested that we give a few phone numbers to the representative so that if our call was disconnected, we would not be sent back to hold and forced to start from the beginning again. Some of the representatives refused to take the numbers in the instance that we were disconnected, which is not normal, and frankly a demonstration of terrible service and indifference to the needs of their customers.
What made this experience exponentially worse, was that it was clearly evident that these charges were a case of either fraud or forgery. We are located in San Diego, and these illegal transactions were made in New York. We were first questioned in an accusatory manner as to whether it was possible that we made these transactions. With the current health concerns regarding COVID-19, it would obviously be unlikely that we had been in New York, and furthermore, we explained that the member of my family whose account information was been stolen, had just undergone major surgery, leaving no possibility for it having been our doing. The manner in which these representatives responded to this information was not at all sympathetic to the circumstances and inconvenience we had endured, rather a clear accusation that was extremely insensitive to the situation.
Even when we had gone into the branch to further solve this issue that same day, the staff were, again, very insensitive and expressed no remorse for their actions towards us, nor any sympathy for what we had experienced. After leaving the San Diego branch that day, we all had easily made the decision to switch to Chase Bank, which has already shown us quick and effective service with kind, understanding, and overall more intelligent employees.
I would like to conclude with a list of shortcomings that characterize Citibank and their employees & I hope it encourages you to choose another bank or switch at your earliest convenience:
- No student perks (charges $30/month for an account & charges for checks)
- Unreasonable mobile deposit limit
- Little-to-no fraud protection
- No branches in many major cities across the US
- Longer holds on check deposits than any other bank
- Inefficient customer service (on the phone and in branches)
- Lack of seriousness in regards to COVID-19 protocols in branches
- Faulty automated phone system
- System doesn't update and has made multiple mistakes
- Poor IT function in branches
- Mobile App is down uncomfortably often
The only redeeming quality is that you get an ATM/Debit card before the real card is in your possession, which has now led me to believe that THIS is why their accounts have been so susceptible to fraudulent action. read more