I had an account with Citibank that was paid off in full and closed a year ago. Recently I started getting statements for an annual fee. I called and explained again that the account was closed and was told they would fix their records and not bother me again. Today I got a statement in the mail for an annnual fee, a late fee and an interest charge. When I tried calling Citibank they refused to talk to me because I did not know some kind of password ; no reason I would know it since the account has been closed for a year. This is disgraceful conduct and needs to be penalized. I am attaching a copy of my XXXX 2015 statement showing a zero balance, and a copy of the statement that arrived in the mail today. I would assume the {$95.00} " previous balance '' on the statement I received today refers to the annual fee which they told me in a previous phone call would be eliminated, of course, as the account was closed. Now they bill me again and refuse even to talk to me. 
