Until recently, I was a devoted Citi Card user with decades of spending against a $41,500 credit limit. I had developed a great payment history, with a zero balance. Last year, I decided to stop using credit cards in general and start paying cash. However, I did not intend to never use my Citi Card again.
When Citi Card sent me a statement with their annual $50 fee, I called to let them know I would not be using the card and asked if we could do something about that fee. After a dispute, I vowed never to pay them a fee for a service I was not even using. They kept billing me, assigning finance charges, and then reported me to the banks, affecting my credit rating.
When I called "Customer Service" to discuss the problem, they informed me that they had closed my account because of my "bad payment history," citing me as a "credit risk." They completely ignored the fact that my outstanding balance was a fee they created and insisted I pay for a service I was not using. When I asked if they wanted my business back, they said, "No, you're a credit risk"!!!
While I can understand closing my account, I am appalled at the insistence by more than one "customer service" rep that I was a "bad customer."
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