I hate Citibank



  • So last month, I switched to online payments for my student loan.   I had consolidated everything through Citibank and set up my account with them.  Because I think they're useless, I waffled at the security questions.  I haven't had trouble remembering a password in years. 

    Turns out that it wasn't for simply password help.  They actually want me to answer those questions every time I log in!

    So I click on the "forgot my answers" link and they send me this email 

    Dear belgariontheSwamp,

    This e-mail has been sent in response to a request for a Key
    Code.  blah blah blah.

    Your initial Key Code is 1337 (obfuscated). This Key Code will allow you to reset your
    security questions.  Please note that the Key Code will only be valid for 30
    minutes.

    Blah blah blah

    So I went and put in the key code, and they STILL made me answer the questions!  I want to take my business elsewhere.



  • I go through that every month, too.  At least they resolved that problem where you also had to confirm your contact information every single time you log in.  Why do they put so many stepss in the way of me giving them money? 



  • @belgariontheking said:

    So I went and put in the key code, and they STILL made me answer the questions!  I want to take my business elsewhere.

    Yeah, I have the same problem with Citibank.  I always put in random gibberish into the security questions so nobody can guess the answer and bypass my secure password.  The problem is that they want my "security answer" before I can add the bank account to my online profile.  They don't even tell me the security question.  If you click help it says something like "Your security answer  was set up when you applied for the account.  You provided the answer to a security question.  Your question could be the name of your High School, your favorite sports team or anything else."  I mean, WTF is that?  So it's like a password but far less secure and they won't even tell me the goddamn question.  Fuck.



  • I think I need to add security questions on my mason jars in the back yard.

    Anyone know of paper and ink that won't degrade in a short time while buried outside? 



  • @KattMan said:

    I think I need to add security questions on my mason jars in the back yard.

    Anyone know of paper and ink that won't degrade in a short time while buried outside? 

     

    Maybe. Where do you live?



  • I disagree. Without these security precautions anyone, even criminals, could hack into your account and pay for your loan. Better safe than sorry.



  • I had this problem with Sallie Mae. Called up their support line and got told "it was for my security in case someone got my password".

    Now, considering their password requirments/security make it immune to brute force attacks, under what circumstances would someone that managed to get my password have any trouble knowing my security questions?



  • @Cyrus said:

    Now, considering their password requirments/security make it immune to brute force attacks, under what circumstances would someone that managed to get my password have any trouble knowing my security questions?
    All seven of my personalities have schizophrenia and tend not to remember anything any of the others have done, thus if one of us is social engineered you have a very small piece of the required information. Maybe you should get schizophrenia too.



  • I think they should ditch the textbox-based security question in favor of security-question checkboxes. Yes or no questions would be much easier to remember. To make it more secure, they could ask 4 or even 5 questions -- that's got to be, like, hundreds of possibilities! So if the system locks you out after 3 tries, well that's goodnight for the hackers.



  • @shadowman said:

    I think they should ditch the textbox-based security question in favor of security-question checkboxes. Yes or no questions would be much easier to remember. To make it more secure, they could ask 4 or even 5 questions -- that's got to be, like, hundreds of possibilities! So if the system locks you out after 3 tries, well that's goodnight for the hackers.
     

    Potential questions:

    • Have you ever killed a man in Reno?
    • Have you had a milkshake recently?
    • Is it windy outside?
    • Do you like candy?



  • @MasterPlanSoftware said:

    Potential questions:

    • Have you ever killed a man in Reno?
    • Have you had a milkshake recently?
    • Is it windy outside?
    • Do you like candy?

    I love how two of the questions have different answers depending on when they were answered.



  • @morbiuswilters said:

    @MasterPlanSoftware said:

    Potential questions:

    • Have you ever killed a man in Reno?
    • Have you had a milkshake recently?
    • Is it windy outside?
    • Do you like candy?

    I love how two of the questions have different answers depending on when they were answered.

     

    ...and the other two have obvious answers.



  • You forgot

    • Does your milkshake bring all the boys to the yard?

     



  • Had very few problems with Citibank online...

     

    Except recently when logging in from work they want me to enter all sorts of private data, like my complete account number and CC number... Kinda wierd so I wait till I get home...

     

    However I was almost late for 1 payment once... I payed my wife's Khol's bill. 1 day later the payment did not go though, infact there is NO record of it anywhre. I call up tech they can't find me even submitting it. Apparently it failed and even wiped from their database caz "we never fail"! I kept trying with no success. At least 4 times it just dissappeared. No record, no transaction failed, no "please contact support", just did not exist!

    I called up Khol's with my issue, and paid by phone... then next month it started working... Well at least I had a nice chat with John from Citibank who had an overly strong Indian accent!



  • @KattMan said:

    I think I need to add security questions on my mason jars in the back yard.

    Anyone know of paper and ink that won't degrade in a short time while buried outside? 

    Papyrus and leather paper with ink made from lampblack (soot), gum, and vinegar seemed to work okay for the dead sea scrolls.

     If I may, I will suggest a security statement instead of a question on the mason jars. I think "Live goat semen" ought to keep most people out.



  • @dlikhten said:

    Well at least I had a nice chat with John from Citibank who had an overly strong Indian accent!
     

    Alright, thanks TunnelRat.



  • @MasterPlanSoftware said:

    @dlikhten said:

    Well at least I had a nice chat with John from Citibank who had an overly strong Indian accent!
     

    Alright, thanks TunnelRat.

     

    Huh?

    Edit: Did you make the stupidestmanonearth site? 



  • @dlikhten said:

    Huh?
     

    How does his Indian accent have ANYTHING to do with ANYTHING?



  • @MasterPlanSoftware said:

    @dlikhten said:

    Huh?
     

    How does his Indian accent have ANYTHING to do with ANYTHING?

     

    O, it doesen't, just saying everything is oursourced 😛

    No it does nut hav anything to do width anything in any shape or form whatsoever and sorry for bringing it up i promice to naver bring up uslass infarmation evar agein!



  • @dlikhten said:

    O, it doesen't, just saying everything is oursourced 😛
     

    Right. Same assumption Tunnelrat would make.

     

    Really, grow up. This extra retarded spelling/grammar is obviously on purpose so all you are doing is polluting in the forum.


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