What is the name of your state (only U.S. law)? MIchigan
I canceled my bank account with Citibank three years ago and Citi said they do not a have a record of any phone conversation documenting that I have attempted to close the account. They have been charging me $25 per month for the the past three years for insufficient funds totaling to approx $600. I moved to Michigan 3 years ago and my legal address has changed. There are no Citi branches within the state or even in the next state closest to me. I called many times to see if I can close the account over the phone and have the charges removed. Citi insisted that they would not be able to close the account and that I would have to appear at a branch. I then asked for Citi to freeze my account so that the charges do not keep adding up until I can find a way to resolve this. The rep said they typically freeze accounts when the balance is zero. My account is far beyond zero at this point. They say they cannot freeze the account and that charges will continue to be added to the account even if there has been no activity for the past several years. Do I have to take a plane back to New York just to go to a branch that will likely tell me there is nothing they can do? I am not even asking for the charges to be negated. I was simply asking for for the account to be frozen until I can have this rectified. Is this consumer fraud? I would like to take this to small claims if possible. Do I have a case?
I canceled my bank account with Citibank three years ago and Citi said they do not a have a record of any phone conversation documenting that I have attempted to close the account. They have been charging me $25 per month for the the past three years for insufficient funds totaling to approx $600. I moved to Michigan 3 years ago and my legal address has changed. There are no Citi branches within the state or even in the next state closest to me. I called many times to see if I can close the account over the phone and have the charges removed. Citi insisted that they would not be able to close the account and that I would have to appear at a branch. I then asked for Citi to freeze my account so that the charges do not keep adding up until I can find a way to resolve this. The rep said they typically freeze accounts when the balance is zero. My account is far beyond zero at this point. They say they cannot freeze the account and that charges will continue to be added to the account even if there has been no activity for the past several years. Do I have to take a plane back to New York just to go to a branch that will likely tell me there is nothing they can do? I am not even asking for the charges to be negated. I was simply asking for for the account to be frozen until I can have this rectified. Is this consumer fraud? I would like to take this to small claims if possible. Do I have a case?
Last edited: