sigh, this experience passed on from one to another, I did have similar experience months ago, let me share the fairy tale ...
What happened was one fine day this customer service called up and informed my citibank credit card was hacked, then they wanted to replace with a new one, since I need to go through the process of informing all the auto-debit vendors about the new card, I told them might as well cancel my card, because thinking of consolidated all the bills into another credit card. But the customer service said she got no power to do it asking me to call another number.
Next, my statement arrived with new renewal fee and I called up the customer service telling them I wish to cancel my card, but to my dismay the customer service in a threatening tone telling me I got to pay in full irregardless (to be frank all this while their officials never been this rude), i got furious and asked him which rule allowed them to charge me the subscription fee that I no longer interested to continue, since they were charging the fee to my card without my consent at first place now they should be able to remove it when I disagree and wish to discontinue. he then asked me to fax to another number to cancel my card, which I did it immediately.
Subsequently, the statement came again, with the renewal fee + penalty. I wrote to them to stop sending the statement since I've already canceled my card, and request them to show me which clause grant them to charge me membership fee that I no longer interested to subscribe to, failing so in one month I assume they agree with me (learnt from Astro ).
No response from them and following month the statement arrived again. This time i wrote a warning letter, telling them since they are not responding to my earlier letter I assumed they already agree with my reasoning that I didn't need to pay for something I don't want to subscribe to. If they continue to send me the statement again, I will take legal action (I was seriously want to take them to tribunal court that time, just waiting for the next statement to arrive). A week later, one representative from customer retention department called and offered me a so call win-win solution, they willing to waive everything if I agree to continue holding their card. I told them I already got bad taste and no point to stay loyal with them after given such treatment especially when there is better alternative out there (I happen to be their gold card holder for as long as i can remember since in US, beside I found that in spite of the higher membership fee, the bluecard holder enjoy even more discount benefit than gold @# $~!@# )
He agreed with me that they have no right to asked for full subscribtion fee when I don't want to continue, worst case scenario they can only pro-rate the fee for duration from the date the card expired till received notification of cancelation. To make his life less miserable and for him to be seemed doing his job, I agree to hold on with them for a little longer.
Thanks for this thread, now remind me I should cancel my card again now , ever since I had switched my faith to another credit card institution which willing to offer me more priority. Till they screw up again, I will switch to another, let us exercise a bit of our comsumer right .. akujanji
~~ The End ~~
Do Unto Others
"Possessions, outward success, publicity, luxury -- to me, these have always been contemptible. I believe that a simple and unassuming manner of life is best for everyone, best for both the body and the mind." --- Albert Einstein