i got a secured card with Citibank and i put {$200.00} down to use it. after a while when i noticed they are charging me couple of dollars service fee even if i am recharging my card on time. 
I decided to close my account with Citicards which i did on XX/XX/2015 after using my {$200.00} prepaid balance and paying the dues {$1.00}. 
Today i received a statement by email for that indicates i still owe {$220.00} which is due on XXXXI called customer service so they gave me XXXX options1. Either pay {$220.00} then they will generate a refund for {$2000.00}. I can pay minimum amount due {$81.00} ( which i am not going to get back ) 3. Or else we will report to credit bureauI was threatened by customer service supervisor if i do n't pay the money. 
I feel like i got rip off by the bank cause i am forced to pay either minimum amount due which i am not going to get back or else i have to pay total due to save my credit history 
