Tubpbs wrote:I've been a customer for 7+ years. I've had some regular type issues anyone will have with any company, but nothing particularly bad. I wouldn't say any of the things listed so far would make me change my mind about the bank either. While inconvenient, they're not really a big deal and, login issues aside, all things that happen at all banks in my opinion.
I like Citi. CSRs sometimes don't know what's going on, but the more time that passes and the more experiences I have, the more I see that almost everywhere...
I find it odd that people say their CS is atrocious (not specifically you guys because you just basically said it was less than stellar) but don't really cite real examples. Maybe I'm too patient and generous with them, but I don't think so.
Everyone's experience is different. I've been partial to Chase in later years, not because they're a fantastic bank, but because they've mostly treated me right. Still, I don't have my mortgage with Chase, for example, because they were not competitive on interest rates. And I know there are people out there who have had a horrible time with Chase. Some of it is just luck of the draw.
Citi never did anything to me that was so atrocious as to be newsworthy. It was more a case of a number of little annoyances, including little things I took offense at (like being treated as a suspected criminal because I was born in another country,) plus their card portfolio at the time being nothing to write home about, that made me decide not to deal with them anymore. But I'll give them another chance with the Costco card. Maybe things have
I won't waste a company's time with frivolous complaints or empty threats of lawsuits. However, if I feel I've been wronged, I will tell them so, I will tell them why, and I'll give them an opportunity to make it right. If they do, swell, forgive and forget. If they don't, I generally stop doing business with them. There are too many fish in the sea to keep giving business to a company who doesn't treat customers right, IMHO.
If I applied this policy based on anecdotal evidence from the Internet, I wouldn't be able to do business with anybody. I'm not that extreme. I base it on my own personal experiences. So far, Wells Fargo is the only credit card issuer on my permanent blacklist, but there are others I'm skeptical of based on past experiences that were "less than stellar", as you put it. Banks on my "skeptical list", however, can redeem themselves.