Comments (scroll down to add your own):

1. Never file a dispute over the phone. Ok, well you can file it initially over the phone, but always follow up with a letter. In writing is the ONLY way to preserve your rights. Read the fine print on the back of your statement and most will say that while you can call in a dispute, writing is the only way to legally preserve your rights.

   Cheers

   Comment by Dooley — Sep 22nd 2006 @ 11:30 am

2. Yeha, I should’ve expanded a bit on that… They’re mailing me a followup letter with specific instructions as to any supporting documentation that they might need. I will then gather what they want and send it back in along with a letter describing the trouble.

   So I guess it would be more accurate to state that I _initiated_ the dispute over the phone.

   Comment by nickel — Sep 22nd 2006 @ 11:34 am

3. I think you should only dispute a charge if it is actually incorrect ie. you didn’t make the purchase, or the amount charged is wrong.

   If you have customer service issues (eg. the order is delayed, product delivered isn’t satisfactory) you should take the issue to your local “consumer affairs” department if you can’t get anywhere through negotiation. Claiming that a charge is incorrect when it isn’t is dishonest. (But on a scale of 1-10, it’s a 1).

   Having said that, I’m also part of the 40% that sneak my own drinks and snacks into the cinema – which is breaking the rules. I think lots of people who are basically ‘honest’ are more likely to ‘bend the rules’ when we feel being taken advantage of, and thus morally justified.

   Comment by Ralph — Sep 25th 2006 @ 1:07 am

4. Ralph: FWIW, both Citibank and I disagree with you on this. When I called and explained the SimplyBunkBeds situation to Citi (item not as described, trouble getting them to take it back), the guy said that disputing the charge was the right thing to do. In this case, selling us pine bunk beds in place of ash bunk beds is prety much the exact same thing as charging us the wrong amount… After all, ash bunk bunds are considerably more expensive that pine bunk bends, so shipping the wrong thing is the equivalent of over-charging us (not to mention sticking us with something that we didn’t want in the first place).

   Comment by nickel — Sep 25th 2006 @ 8:24 am

5. i work for citibank’s billing dispute department and calling in a dispute is NOT the only way to begin the process. if you view your statements online, you’ll notice at the bottom of every statement, there’s a section telling you how to ‘report billing errors’. you can either fill out the dispute form online and mail it in, or write to the customer service address listed to mail payments. but never ever EVER mail it with your payment, or it will not be forwarded to our department and we’ll never know of the dispute. calling in the disputed charge is useful, but it does not preserve your dispute rights. federal regulations state that in any billing dispute, your mastercard or visa issuing bank- whether citi or not- MUST be notified in writing within sixty days of the statement date on which the disputed charge appeared.

   Comment by frances farmer — Nov 25th 2006 @ 10:24 am

6. Please send this to marketing they might Care ,,
   thank you
   Michael
   Been with Citicard for ten years with no problems up till now!

   I bought insurance from Safeco for apox 250.00
   Then in around 30 mins later I got a call from a online agent and they found
   A progressive policy for around a 100 dollars less,, so I bought it.
   Then I called Safeco in aprox 30 mins and cancelled the policy with them,,,
   Then I called Citicard and asked if I should stop payment to Safeco
   They said yes and I did,,, so it was taken off my balance
   They sent me a letter to write out what happened I did sent it back and told them
   After I stopped payment I receive a check from Safeco, but since
   I stopped payment it was not my money to cash so I sent it back

   About a month later I was re-billed by Citicards for the APROX 250
   I called and spoke with aprox 7 or 8 people at Citicrad
   and was told I have to Pay the bill or else I will be turned over to a credit agency
   I said I will not pay for something I didn’t buy,, ( I cancelled the policy)
   And at that point cancelled my account with Citicard,,,
   They said they might reconsider if I will send them another letter explaining
   Everything I said I am traveling and cannot receive mail and you have all the information
   Now,, they became hostile and said they will give me bad credit and turn me in if I don’t
   Pay them.
   I will not pay for something I didn’t Buy,, I cancelled the policy
   Is this a way to do business ? Destroying people credit ?

   michael

   Comment by michael — Apr 23rd 2007 @ 8:17 pm

7. I’m on disability and got into financial trouble. I made a deal with Citibank to let them debit my checking account $300/month @ 3.9%. At the end of the year,without reason, Citibank wanted 30.99% interest. I told them that I couldn’t afford to pay that much, and the kid that I was talking to said that there were no other options. Now Citibank has frozen my bank account and taken my Veterans pension, in direct violation of federal law. They’re in the process of taking my house, but they’re too big to fight. I was a long time customer, but it doesn’t matter to the Gods of Greed

   Comment by Gary — Apr 25th 2007 @ 9:57 pm

8. I got the same measly $10 coupon from Buy.com. What an insult. Why would I want to purchase anything from Buy.com again after this debacle? The coupon is worthless.

   You can call the President’s office directly to register a complaint. 949-448-5400 ask for Mr. Grover’s office (Neel Grover).

   Comment by Ben — Jul 18th 2007 @ 7:43 am

9. Citi credit cards dispute customer service is horrible. They are pretty useless. Do not get a Citi card. They will leave you out on your own and not protect you from merchants.

   Comment by John — Oct 9th 2007 @ 11:18 am

10. John is absolutely correct. They fail to even acknowledge letters, you can’t trust anything they say over the phone and they refuse to allow you to speak with a supervisor. The one thing they do very well is to put the charge back on your account, without an investigation, and sometimes even charge you interest. DO NOT GET A CITIBANK CARD IF YOU THINK YOU WILL EVER NEED THE PROTECTION OF FEDERAL LAW. Go with American Express. They have their act together.

    Comment by Dennis — Feb 8th 2008 @ 2:53 pm

11. Citibank will lose your letters too. Then blame you once you call them a month later to find out what is going on and they don’t know. I had been a customer for over 20 years charging $3000.00/mo and they lossed track of my charge dispute and then just sent me the exact same form letters know matter what I wrote them.
    AVOID THEM AT ALL COST!

    Comment by Bill — Feb 11th 2008 @ 12:39 am

12. I was given this address to dispute a Citibank Sears charge: Citibank, Department of Dispute, PO Box 20523, Kansas City, MO 64195.

    Comment by Chris — Dec 4th 2008 @ 11:54 am

13. I used citi to purchased an airline ticket to maui on march of 2008. Aloha air filed bankruptcy while we were in vacation, totally left us stranded in the island with no way back. When I called citi bank , they promised not to worry just fill-out the dispute form and send it back and and I am not liable to pay for it just wait for two months because that’s how long federal law requires to take. Every month the bill came. after two months citi bank acts liked they don’t know what they were talking about. They keep billing me with late fees and finance charges. I spoked to so many people in different department after they passed my calls 7-8 different times. I am so tired of citi bank. They are rude and useless and they are ruining peoples credit for nothing. I have the most perfect credit before this and noe they are trying to ruin it but I am not going to pay them. Because I believe they have gotten thier money from the court when they went to aloha bankruptcy and just want money from me too. Beside how can citi not protect me from a merchant like this. we were stocked in th island for extra 3 days (supposed to be two weeks) when no airline can bus us back to the mainland. Also other airline were gauging prices. at that time citi bank said I’m not the only one not to worry. I don’t have to pay now citi don’t care and didnot stand for what they said.I have the name and employee number of the person I talked to. It doesn’t matter to them. Reading all the consumer complaints about this bank why are we bailing them out with our tax dollars. Citi bank needs to go. I tried to take to small claims court , the court can’t even find thier servicing agent. We the poeple need to do something about this bank.I cutted my card out and would never do any bussiness with this bank. I work in the restaurant and if I see people have citi card I tell my nighmare hopefully enough that would drive them out of bussiness.Why is our government not doing something aboit this bank? They are ruining a lot of peoples credit. Please let me know if we have to rally Against this bank I will and my friends and neighbors who were also a victim of citi bank.

    Comment by I spoke lucy dickson-awde — Jan 8th 2009 @ 3:47 am

14. the previous note says that you have a rep name and id number i have some friends that work in the billing disputes department at citi and it is a very small department only about 100 people if i had there name and id number i may be able to get some info on who that person is

    Comment by OMG — Jan 28th 2009 @ 3:34 am

15. also you can now as of 01/26/2009 you can dispute charges online with citibank

    Comment by OMG — Jan 28th 2009 @ 3:43 am

16. Hello. This is for the Citi rep who knows people in the billing department. I have read elsewhere that someone was provided a nonworking fax number to send in additional information about a pending dispute. I was also given a fax number that “did not answer.” Just wondering if they are just too busy or if this is a way to make consumers give up? The Citi Dispute Billing Dept. provided this fax # 866-799-4758.

    Comment by Beckie — Feb 9th 2009 @ 10:30 am

17. Hello. This is for “OMG” the poster who knows people in Citi’s billing department. I have read elsewhere that someone was provided a nonworking fax number to send in additional information about a pending dispute. I was also given a fax number that “did not answer.” Just wondering if they are just too busy or if this is a way to make consumers give up? The Citi Dispute Billing Dept. provided this fax # 866-799-4758.

    Comment by Beckie — Feb 9th 2009 @ 10:35 am

18. I do not know where that number came from however the number to fax documents to is 605 357 2028 this number is non working on the weekends i will have to check into the number that was given to you it may be an older fax number to another department or maybe customer service or you can write to po box 6013 sioux falls sd 57117 there is another number in jacksonville if the one i gave you does not work

    Comment by OMG — Feb 9th 2009 @ 10:22 pm

19. if you fax documents to the billing dispute department make sure that you always include the case id number at the top of every page

    Comment by OMG — Feb 9th 2009 @ 10:23 pm

20. @OMG
    . I called in a dispute,
    they sent a paper follow-up,
    but it didn’t include anything labelled any case id number;
    you are referring maybe to the acct number .
    . the tone of the letter was like the case was closed .

    Comment by Ph.T — Feb 18th 2009 @ 2:39 pm

21. the number i am talking about is a long number at the bottom of the letter there should be a long line of letters and numbers and goes something like this d-75241879010209 i am not sure how many numbers it has but it always starts with the letter d if you cannot find it call ask for the billing dispute department and they can tell you what the case id is

    Comment by sb — Feb 18th 2009 @ 8:50 pm

22. Citi cards are the worst – The End

    Comment by Tokool — Jun 17th 2009 @ 8:50 am

23. Quit talking and start shooting. People only understand fear.

    Comment by jim bob — Jul 14th 2009 @ 11:34 am

24. what is wrong with you people

    Comment by n bea — Jul 14th 2009 @ 10:58 pm

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