My Sears card Credit card was closed without my notification in maybe 2013 after Citibank bought out Sears cards. I learned this when I tried to use it after not using it for a while, but had been loyally paying my balance for about a year. Because I had been paying every month and not using my card, I had not been using my online account. When I began to investigate transferring my balance as a way to lower my absolutely insane interest rate, I learned that my online account was inaccessible. In addition, I have not received a paper statement from Citibank regarding this account in years, but a monthly payment continues to come out of my banking account, and the only way I know this is because somehow XXXX has access to my closed online account, and notifies me that the payment has been made. I do also get an email from Citigroup thanking me for my payment ( which is, every month, just about the interest that has been tacked on that month ). Every time I have tried to gain access to this online account to see Citibank 's activity in my account ( to see any statement, of any sort ) I have had to have an hour-long phone conversation, where I am asked for my account number, which I have not had access to in years. Then, even upon supplying my social security number, no one who is transferred my call is able to even find my account based on my name, previous addresses, SS number, and last XXXX digits of the account number. Which leaves me to wonder, now that I have paid more than then entire current balance to Citigroup over JUST the past TWO years of about four or more years of payments, why I am still paying an account that no one can find? Additionally, I have been told that legally I am not allowed to access an online account because the credit card account was closed ( by Citigroup, without my notification ). PLEASE help. I ca n't afford to keep paying them hundreds of dollars a month but I have trying to slowly rebuild my credit for years so I also ca n't afford to stop paying them. 
