Q: I am being billed monthly, and CitiBank is paying over my objections, for a service I haven't used since 2016.
When I call the number listed for the invalid bill on my Citi statements, they hang up on me with no discussion. The email address on their website doesn't work.
Regardless, Citi says I need to communicate with the vendor to stop charges. I can't communicate with them and haven't received any services since 2016. I sent Citi a letter in September 2017 telling them the charges are invalid. I think they are avoiding reimbursement for failing to block the charges after that time.
In December 2016 my wife was diagnosed with AML leukemia. We left NM for treatment, and I never used the online service beyond that time. But Citi will not block the fraudulent bills. No contract was signed.
A representative of Citi's Customer Service Team guaranteed me emphatically last month by phone that all those charges would be reversed, but later I received a notice from Citi that the charges are deemed valid. Citi is trying to force me to cancel my card and eat my losses.
A:
FYI: You are fighting the "triangle" battle that very few--if any--bank customers can ever hope to win. But as a former bank operations officer, I will tell you the easiest and most effective way to win and stop the monthly bleeding:
Close your account at Citi Bank--and do not open up a new account at any Citi branch--for at least five years.
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