We asked numerous times and they kept trying to sell us on keeping it. Not only that but the guy talking to us was the loudest person in the entire world as far as I could tell – you can probably here his ol "Credit Protector" voice flying out of these letters as I type. Maybe he was some sort of futuristic robot, because every time we said the same thing "cancel, don't explain" he would go through the same "save the customer" sales pitch – or maybe Citibank Credit Protector hooks their representatives up to some sort of electroshock machine so if they vary from the script they get a giant volt of electricity through their body.

That's probably why the guy refused to listen to our request and follow through. I can't really think of any other explanation.

Not only that but when we asked for the Credit Protector supervisor we got the same runaround. They probably have a BIGGER volt of juice for him. Yeh. That's gotta be it.

You'd think a company in the limelight because getting all that bailout money would be a bit more careful with customer relations these days. Then again – what the heck am I thinking?

Do you want to cancel CitiBank Credit Protector? My suggestion: get your own competing robot, hook him up to the phone with their customer support robot and let them fight it out.

If you want to find customer service or complaints on any extra credit card service you are looking into you might want to use the Search4Scams.com search engine which searches through hundreds of scam forums and complaint boards.

This is an old and interesting case about a guy who actually sued Citibank Credit Protector and acted as his own attorney back in 2004.

Click here for the Citibank Credit Protector lawsuit.

The above link also references an interesting site that goes into detail about why he believes Credit Protector is a bad deal for the consumer:

Credit Protector Shortfalls Revealed at ShareAMillion.com.

Click here for a 2006 write-up Citibank CreditProtector from a guy who states:

"When I cut him off and insisted that I wanted to cancel no matter what he told me, he finally relented. So long Credit Protector!"

And last but not least:

Cancel Citi Credit Protector, Get a Penguin?

You must, must read that last one as it contains such classic exchanges as:

"Citi: I’d be happy to help you discontinue your Credit Protector coverage. But first, would you mind telling me why you are choosing to discontinue your coverage today?
Me: Michael Jordan came to me in a dream and said I had to cancel it or his hopes for a return to the NBA would be shattered."

People claiming to be employees of CreditProtector have started posting on this blog saying that the consumers should NOT complain about the cancellation procedures, which I take it means that it's not worthwhile for you to complain to Citibank directly.

Therefore what you should do is complain with the following regulatory agencies if you believe that the Citibank Credit Protector cancellation process was unreasonably long or difficult:

• Click here to file a complaint with the Federal Trade Commision
• Click here for a list of State Attorneys General offices (you would file a complaint with your own state AG and the AG of the state out of which the business operates)
• Click here to file a complaint with the Better Business Bureau
• Click here to file an Online Incident Report with the National Consumers League

If you think filing complaints won't make a difference, you're wrong.

This is the kind of procedure that lead to the National Consumers' League issuing their warning here and ultimately ended up in law enforcement action against the offending company (you'll see the WorkAtHomeTruth blog discussion referenced in the National Consumers' League write-up).