I took over my 83-year-old mother's affairs and discovered she had been paying on a Sears credit card that belonged solely to my deceased stepfather. I sent numerous letters and placed many calls to no avail. I went as high as the Office of the President. Finally, today I got a call back, and they said they cannot refund any payments.
She had also been paying Chase, but they refunded her $4k. They were only able to go back 6 years and were apologetic about it. You would think Citibank, being in the same business and an exceptionally large company, would or could do the same thing, but they said no way.
To anyone out there listening, I would highly recommend using Chase over Citibank. At least they were compassionate about helping a "little old lady" who wasn't business savvy in the ways of the world.
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