When I checked my account online day before payment date I found that my final payment I posted before disappeared and there was no option to re-enter it. Then I went to Citi branch and paid with check to avoid late payment. They promised $0 balance after that payment. Next day I discovered that BOTH payments went through. When I called them I was promised refund check in the mail in two weeks. After two and half weeks I called them and was told about two weeks again because there were no traces of previous promise. Then I gave up calling because a phone call cannot be submitted to the court and hassled to them via e-mail, which is kind of documented correspondence. After a month of hassle I could get my money back, but NEVER CITI AGAIN. They attempted this fraud to get late fees and then they tried to get as much money from me as possible and kept it as long as possible deceiving me. They are simply thieves.