I had a CitiBank credit card for many years which I rarely used. The few times I used it I had problems with CitiBank properly crediting payments on time which resulted in interest and late payment fees which I disputed and I cancelled my CitiBank credit card. After cancelling my credit card, CitiBank continued to charge fees on the disputed amount although the cardholder agreement states that the primary cardholder is not responsible for any fees after the card is cancelled. Subsequently, CitiBank informed the credit rating agencies that I was in default and that they had written-off the charges as an uncollectible debt which significantly lowered my credit rating. That was over a disputed amount of approximately $250 of which over $200 was for charges/penalties. Those penalties/charges are how CitiBank became the biggest bank in the world which, happily, they no longer are. I hope they go totally bankrupt and their executives go to jail for fraud.