reactivation policy

Posted Mon March 19, 2012 12:16 pm, by susan s. written to Citibank N A

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Stated above that my feeling on this matter are in the "annoyed" range, rather than the "furious" range only in an attempt to seem rational. Though I don't really feel like being rational at this moment. In a nutshell. Due to a computer error a $2.00 service charge was placed on my Sears account after I had paid it off to a zero balance. Thinking I owed nothing, I neglected to open statements, and this TWO DOLLARS snowballed. My long standing account with Sears, (and I believe Home Depot as a result as well) was closed. Citi has after hours of calls, Citi is sending a letter of correction to credit bureaus, and reversing the incorrect charges, but says accounts must simply be reapplied for, not reactivated. No thanks. Don't wish to have another inquiry (or two) appear on my credit file. You have cost Sears and Home Depot my business and I have informed their offices of this.

Reevaluate your policy. Apologize in plain language, not ambiguous legalese.

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Re: reactivation policy by Irving Patrick Freleigh Posted Thu March 22, 2012 @ 12:01 PM You are an identity thief's wettest dream. Reply Re: reactivation policy by PepperElf Posted Mon March 19, 2012 @ 11:16 PM So... they're to blame because you ASSUMED the statements were "zero" and CHOSE to ignore them. Why should they owe you anything for your own actions? Reply Re: reactivation policy by petgiraffe Posted Mon March 19, 2012 @ 2:31 PM I don't get statements for accounts I owe nothing on. You may get one in the next billing cyle after you have paid off an account, showing a zero balance, but after that you don't get one. Why would they continue to spend money sending you statements if you don't owe them anything? Reply I was thinking that as well by RedheadwGlasses Mon March 19, 2012 @ 8:25 PM Re: reactivation policy by McJohn Posted Mon March 19, 2012 @ 2:11 PM I dont think they owe you anything. You said it yourself you failed to look at your statements. I always look at mine even if it is a zero balance, because you never know. Live and learn Reply