XX/XX/XXXX, I received a notice of changes in terms to my AT & T Universal Platinum card, which I have held for over 20 years. The notice said I could opt out of their new arbitration provision by sending a letter postmarked no later than XX/XX/XXXX. I accordingly wrote such a letter on XX/XX/XXXX, and mailed it the next day, 11 days before the postmark deadline. On XX/XX/XXXX I received a notice from Citibank ( which owns the card service ), stating that my account would still be subject to arbitration " because you did n't mail your preference to opt out by the deadline we established. '' On XX/XX/XXXX I called the card 's customer service line and spoke to a man who identified himself as " XXXX in Arizona. '' He checked on the situation and informed me that my letter had not been received until XX/XX/XXXX. When I asked how that could be, given the date when I mailed the letter, he said, " I guess the Post Office took a long time to get it to us. '' He gave no information about the postmark, which is the determining criterion. He said that, in the future, I could opt out of card agreement provisions by telephoning. When I asked if I could opt out with him right then, he said no, it was too late. When I asked if there would be future opportunities to opt out of the arbitration clause, he said no again, but that " in the future, you can opt out of provisions by phoning us. '' I suspect that the company is being dishonest with me, that they are wrongly preventing me from rejecting their arbitration clause. 
