I requested a charge to be reversed against a merchant that took payment in advance but did not deliver the promised services. The merchant responded with a copy of their handbook, which had nothing to do with my claim. Citi Bank only tried to contact me (about this one issue) via mail. I only do phone and email contact with them. They used this as an excuse to charge the amount back to me.
Due to the small amount of the charge, $380, and the fact that I carry a zero balance, I had to eat it. I will not ever use this card again.
In my opinion, I recommend you do not bank with this company in any way. Remember, this is one of the banks that took a taxpayer handout from the government socialists. You should avoid other such banks, such as Bank of America, and companies like GM.
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