It doesn't make any sense. I am a "deadbeat" to them, and I have a 0 credit balance. I have reported them to the bbb, and I have called, sent certified mail, and emailed them regarding the situation and it has yet to be cancelled. They added (without my consent) a 10.00 a month charge to my credit card and when I tried to cancell that I berated and made to feel like an idiot. DO NOT EVERY USE THEIR CREDIT SERVICES, YOU WILL REGRET IT! Please tell me, other than having an attorney settle this, is there anything I can do to stop this madness?
2007-02-25 10:47:23 · 11 answers · asked by Lindsey 2 in Business & Finance ➔ Credit
The $10.00 is being charged to me for an automatic identity moniter service, one I never asked for that was hidden in my new contract when I activated my card. It is their way of stealing money from people who pay off their bills each month. Unbeilivable!
2007-02-25 10:59:05 · update #1
WOW! I don't even know where to start!
But I'll try:
1. If you didn't want to keep the card, you should not have activated the new one. By doing that, you want to keep it.
2. They do not add that Identity Protection unless you agree to it in writing.
3. If they (probably the outsourced cancellation center in India) wouldn't let you cancel it, you should have talked to a supervisor.
I had their card for a number of years and I was very pleased.
2007-02-25 11:28:45 · answer #1 · answered by Anonymous · 0⤊ 1⤋
Yeah, I don't much like Citibank either, and you're right about the cacellation thing. And Citi isn't the only one. I had asked two account be closed because I never used them, and sure enough, a year later they're still open. But I'm certainly not being charged for anything. If there is a fee to keep an account, and you ask that it be closed, they have to close it. I don't understand the monthly charge on a $0 balance. They cannot legally charge you for an account you asked to be closed. Just ignore them and keep a record of any phone conversations and a copy of any letters (certified mail - that's good!) You don't owe them anything.
2007-02-25 10:55:37 · answer #2 · answered by Anonymous · 1⤊ 0⤋
What was the $10 a month for? For holding the credit line open?
Call them back and CALMLY (yeah, I know it's hard when you're mad but you'll get further being sickeningly polite) ask the to remove the charge as you have already requested that the credit line be closed. If you can't get anywhere with whoever you talk to, ask for their supervisor.
Stay calm. Stay polite. Be as sweet and nice as you can (under the circumstances).
Unless you signed some sort of long term agreement with them that you were going to keep this thing open for some set period of time, I don't see how they can keep it open if you don't want it.
2007-02-25 10:55:18 · answer #3 · answered by Faye H 6 · 2⤊ 0⤋
Call them on the phone and talk to someone. Get the name! If you cannot get resolution, demand to speak with a supervisor. The bank is required by law to acknowledge your letter complaint within 30 days, and resolve the matter promptly, and the Feds will come down on them if they don't. If that still does not work, you have little choice to write to all three of the credit agencies and explain the situation. If you have a lawyer friend, perhaps he can be persuaded to send them a nasty letter, threatening dire consequences if they don't clean up their act.
2007-02-25 10:55:19 · answer #4 · answered by Anonymous · 1⤊ 0⤋
Wow! I've been a Citibank credit card holder for over 20 years, and they've never done anything but be of great service to me. I'm really surprised by their treatment of you.
I recommend calling Clark Howard, a radio consumer advocate for help. Go to www.clarkhoward.com to find out how and when.
2007-02-25 10:51:31 · answer #5 · answered by Uncle Pennybags 7 · 2⤊ 0⤋
Pay the $10 and any late or other hidden fees you didn't know about and then ask them to cancel the card.
2007-02-25 12:59:10 · answer #6 · answered by Mariposa 7 · 0⤊ 0⤋
Pay off their balance and they will cancel the card. As long as you owe them money they are not going to write it off.
2007-02-25 10:51:11 · answer #7 · answered by Akbar B 6 · 0⤊ 1⤋
Hidden or not, if it was in the agreement, then you are responsible. You consented when you signed the application.
2007-02-26 03:28:26 · answer #8 · answered by KathyS 7 · 0⤊ 1⤋
thanks for the warning. i am so sorry you are having such trouble.
Consider getting a credit lawyer. they helped me. but be sure to check them out really good. God bless you and i would go up the food chair. God bless and take care.
2007-02-25 10:56:01 · answer #9 · answered by tennessee 7 · 1⤊ 0⤋
Call and demand to speak to a supervisor.
2007-02-25 10:50:57 · answer #10 · answered by notyou311 7 · 0⤊ 0⤋