Citibank is one of the most corrupt banks in the country. They literally changed my address in their system (after 6 months of paying 20 times the minimum) on my 1-year interest-free Home Depot purchase. When I finally figured all of this out (end-of-year accounting audit), they [Citi] had added a huge interest charge and penalty fine. Of course, they refused to admit responsibility or negotiate a settlement. Their stance is, "... Tough, pay up or your credit will be affected!"
I will not pay these lying thieves, and since I have opted out of the whole credit-FICA scam, they can eat cake!
The only reason these companies get away with this is that most people do not have the guts to tell them, "It's either my way or the highway."
Unfortunately, every time we concede to their demands, it emboldens them. They continue running these scams with impunity.
Hence, today our credit and FICA scores are used as the 'Big Bat.' Every move we make is based on this tyrannical grading system. Whose fault is that? Ours!
Opt out and kill the beast!
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