LIKE A LOT OF OTHER AMERICANS MY SPOUSE AND I FELL BEHIND ON SOME CREDIT CARD PAYMENTS WITH CITIBANK AND OTHERS BUT WE HAD NO INTENTION OF DEFAULTING AND WERE ABLE TO MAKE PAYMENT PLANS WITH REGARD TO AUTOMATIC WITHDRAWALS FROM OUR CHECKING ACCOUNT. EVERYTHING DID GO ACCORDING TO THESE AGREEMENTS. ALL MONEYS WERE WITHDRAWN WITH THE EXCEPTION OF CITIBANK. INSTEAD, THEY SENT US TO COLLECTION DESPITE THE FACT WE HAD A WRITTEN CONTRACT WITH THEM FOR AUTOMATIC WITHDRAWALS AND THERE WERE MORE THAN ENOUGH FUNDS IN OUR ACCOUNT. THEY EVEN THANKED US IN... read full review »