In November 2008, citifinancial increased my APR without sending me a notice. A month later i received a notice for a new increase of my APR with the option to closed my account and pay the balance at my current rate. I had until January 30th 2009 to contact them. On January. On January 4th i contacted customer to let them know that i wanted to close my account and paid off my balance at my current rate. I was informed by customer service that the account has been closed since November 2008 without reason, and my APR have been increased twice... read full review »