I was owed a refund from XXXX after I cancelled their service. Instead of refunding the payment mechanism used to pay them, or by check, they arbitrarily decided to refund me via a Prepaid Debit Visa issued by Citibank. XXXX signed me up for a financial product, and entered me into a cardholder agreement with Citibank ( while sharing my PII with them in the process ) without my explicit permission. From the cardholder agreement : " To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account ''. I did not give XXXX permission to " open an account '', on my behalf with Citibank nor am I ok Citibank holding my personally identifiable information. Additionally, there is no option to receive cash out from the Debit Card. So, I am now forced to purchase something in order to receive back money XXXX owes me. This was not a promotional refund. This was a pro-rata refund of monies I paid to XXXX for unused services. Additionally, there are fees attached to this card ( see attached schedule from the cardholder agreement ) which I find objectionable. Even if all of this is disclosed somewhere in the fine print of XXXX 's customer agreement, I do n't see how negative enrollment into a financial product, without a limited power of attorney, which would absolutely be necessary to enroll me in a financial product, could be legal. 
