Evidently I am being charged for a service I did not authorize or request by Credit Protector for my Citi credit card account. After calling Citi to dispute the charges, I was transferred to Credit Protector, which happens to be a vendor of Citi. They advised that they have been billing my account since 2007 and that I have paid over $1400 since then. I was informed that the charges will be stopped. I had to request that they refund the entire amount billed to me. Since I have always paid the card online, I never noticed the charges.
In 2009 Citi tried to raise the interest rate on my account from single digits to more than double the amount. I opted to close the account with the existing balance. Although my account has been closed since 2009, they continued to allow Credit Protector to bill this account. I cannot imagine them allowing another company to charge a closed account. Citi has only agreed to NOTE that I categorize these transactions as fraud, but will not investigate. Since Credit Protector is a vendor of theirs, they will leave it up to them to rectify.
I've filed a complaint with the Consumer Financial Protection Bureau, and Citi's claim was that I verbally authorized the transaction. No response yet on why and how a closed account was charged.
I deserve a full refund. The collusion between Citi and their vendor is unfair to consumers. At the very least, they should refund the amount paid after the account was closed.
By the way, the billing address Credit Protector had on file for me was over 5 years old.
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