'Now comes a tale of woe that will be recognizable to many people: discovering that you’ve been paying fees for a program you don’t recall ever signing up for.' From Davidlaz:
Now comes a tale of woe that will be recognizable to many people: discovering that you’ve been paying fees for a program you don’t recall ever signing up for.
Card issuers typically charge a percentage of whatever balance you’re carrying, and in return they say they’ll make sure you don’t start racking up late fees if you start missing payments. “You can say I’m not very financially literate,” Anderson said. “But that just looked like a routine card fee, a cost of doing business. It doesn’t look optional.”
Citi said Anderson was sent emails and letters over the years about fees being charged. “Our records do not reflect the statements or the letters were returned to us as undeliverable,” it said. Anderson lodged a third complaint with the CFPB. In a letter dated May 29, Citi said that “while we understand your desire to have this matter resolved in your favor, with this final letter, we consider this matter resolved and will not respond to additional inquiries related to this matter.”
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