Citibank Credit Cards - Credit Protector Fee
Paid Protection Plan Gave No Relief During Military Deployment

I enrolled in the Credit Protection Fee program through Citibank because I had a Citi credit card. I paid a monthly bill on this fee, even up to $40-$50 a month, for this program.

However, when I needed it the most, it did NOT live up to its promises! Quoted from their website, they claim:

"With Credit Protector, pay no minimum monthly payments and accumulate no interest on your credit card during times of:
* JOB LOSS
* Short-term disability
* Hospitalization
* Family Leave
* MILITARY RESERVE or GUARD CALL TO DUTY"

However, they did NOTHING for me! I was living in Florida at the time with my fiance, who is in the MILITARY GUARD (as they state above), and he found out on VERY SHORT NOTICE (less than a week) that he was going to be deployed to Iraq. All of my family is in Michigan, and I was not established enough to stay in Florida alone, as we had just moved there a few months earlier. Therefore we had less than a week to pack up all of our belongings, and I drove back to Michigan to live. Naturally, just moving back to Michigan at the last minute, I was unemployed (which they also state they cover, "JOB LOSS" above)!

Also, at that time (January), Citi had just DOUBLED the minimum payments, so my payments were OUTRAGEOUS.

When I called to ask them about cancelling my minimum payments for the time being (since that's what they CLAIM they do, see above), they said that all they could do was REDUCE my payments instead! Then, without my knowledge, they sent my account to COLLECTIONS, and I'm sure my credit has suffered because of it. Before this incident (and even to date), I had never ONCE been late on a payment, EVER! My credit was excellent. Now my credit is probably suffering because of what THEY did (and didn't do).

Save your money. This program does NOT live up to its promises! I've paid money for this program, probably amounting to hundreds of dollars, yet they've done nothing for me when I needed them to. This has been a waste of money!

When I called Citi and complained about their empty promises with the Credit Protector Fee, they said they could not help me because my account was now in collections (which was the first I'd heard of that), and the Credit Protector Fee that I had been paying for, for all of these months, was no longer active.

Not to mention, the customer service reps were EXTREMELY rude, as if I was the one in the wrong. This whole situation was definitely UNFORESEEN and was NOT my fault, and I WILL NOT accept responsibility for it. These people treated me as if I were just a typical "bad credit" type who wouldn't pay my bills and that's why my account got sent to collections, when in reality the whole situation was out of my control. I've had to speak my mind to these idiots on more than one occasion, and rest assured, I will NEVER do business with these people again!

Company: Citibank Credit Cards - Credit Protector Fee
Country: USA
State: Nevada
City: The Lakes
Address: P.O. Box 6000
Phone: 8009505114

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