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Citibank Student Loans


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I wish I could rate this a 0 or negative number because that's how awful their company and customer service is.

So my loans (as many others I'm sure) through Citibank got sold to Discover. I was not made aware of the date of this transition so I scheduled my payment as usual through Citi's website. I figured (first mistake, assuming they'd be competent or helpful) that Citi would transfer that payment to Discover whenever this transition was complete. Boy, was I wrong.

Later in the month I logged into the Citi site and it directed me to Discover and I created an account there. The Discover site was showing that I did not have any payments pending and that I owed them the full payment amount. I couldn't recall at this point if I had made that original payment and also emailed Discover to ask if they had any pending payments. They didn't, so I scheduled a payment.

Last week the payment I made to Discover went through and today the initial scheduled payment to Citi also went through, overdrawing my account and leaving me with nothing until my next paycheck. I called Citi. They told me "we do not have your loans on file anymore - you need to call Discover." I then called Discover and the nice and helpful representative told me that the payment I made to Discover was in fact the correct payment and that Citi should not have withdrawn funds knowing fully well that

I was no longer their customer. She even put me on hold and called them to fix the situation and told me to call them back and essentially, "give them hell," in nicer terms of course! She told me that unfortunately, it would take them 7-10 business days to refund the money but she was at least able to get them to do that.

So, I called Citi and got to talk to a lovely woman there, who was just so understanding. In fact, I'm pretty sure she said, "I understand your situation" about 15 times during the call. She proceeded to be of no help whatsoever and did not at any point try and help or even pretend to care. She even had the nerve to try and blame all of this on me, telling me, "Well, you shouldn't have scheduled the payment with us. Our system has no way of tracking whether a payment is made correctly. If it is scheduled, we take the funds.” Wow. So you're basically admitting no fault in this and that your crappy system can't even catch a simple thing like, "Oh I don't know, taking funds from a person that is no longer a customer nor has loans through your company?" Yeah, you're right - that sounds hard.

Bottom line is that Citibank Student Loans are awful, horrible, terrible - do not get a loan through them. They are also not sympathetic at all to job loss (as I can see in other comments below as well). I had been unemployed due to a layoff a couple years back and they did absolutely nothing to help or show the least amount of care.

Apologies for the lengthy note but I needed to get that all out there. Hope this is helpful to others!

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Category: Bank loan

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