Citibank is terrible. Their customer service is terrible. It is either robots or humans that keep saying the same thing over and over again. I was charged something and the merchant was supposed to credit my account. After contacting the merchant several times, I gave up on them and called to dispute the charge. Citibank said they couldn't dispute the charge and that I needed to contact the merchant. I explained this loop to their customer care and what did they say... you need to contact the merchant! It is a joke, they are a joke. I have found better banks and I know you can too.
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