While many people are currently getting the Citi Premier Card due to the current all-time high offer, some are hitting a snag with the Citi fraud department while trying to complete the welcome bonus spend requirement.
When Citi suspects a transaction as fraud they send a text message or email to the user to confirm the transaction by replying (or clicking) “yes”. But the issue is that even after replying yes, your transactions can still get declined.
And eventually, Citi forces you to call the Citi fraud department to unlock your account (easily 15-20 min hold time). And that’s not it.
After finally getting a hold of the fraud department and verifying your transactions, your transactions immediately get reflagged again as fraud and Citi forces you to call again. And you guessed it. After you call again your account will still get flagged.
This is a Citi rut that feels impossible to ever climb out of.
What's the solution?
The best solution would be if Citi wakes up and fixes this issue asap. But I’m not the CEO of Citi and have no plan of becoming the CEO anywhere in the near future, so for now, let’s discuss some tips and solutions that other people are reporting that worked for them. They may be worth a try.
Open up the Citi app with location services on – Some suggest turning on location services in the Citi app and have the app open on your phone before attempting a charge.
Put a large purchase notification – Put a large purchase notification in the Citi app or online notifying Citi that you are planning on making a large purchase on your card. This will help your transaction bypass the fraud department.
Take an extra dose of medication and wait it out – Many report that they just needed to wait a few weeks for the issue to clear. After a few weeks the issue cleared on its own.
![The 10 Best Credit Card Offers For February [2023]](https://helpmebuildcredit.com/wp-content/uploads/2022/12/post-on-december-2022-best-offers-1080x675.png)
Wow I’m not alone. I run a business that spends $150k a month on credit cards and this experience has been worst than anything I have ever experienced. Took 8 phone calls and over 2 hours to verify the first time. Second time was quicker and took 10 minutes but on the same transaction. I am on my 6th phone verification in 2 weeks now and now they want to mail a letter that will take “4-7 business days to arrive” before they will validate. What a joke. Getting my bonus and I’m out. American Airlines needs to realize this reflects on them.
I attempted to make a purchase. It was declined. I then received a text to verify the purchase, which I verified. I tried to again to make a purchase, but was declined again. I then called in. Now they want me to send them a picture ID…Citibank never even asked for my picture ID when I opened the credit line. But now they want it – for what? What will they compare it to? Frustrating. I’m out with Citibank.