I have had a Citi Premier Pass for many years. Two years ago I "opted out" of extra high interest rates and I was told the card would not be renewed in 2011- unless I accepted what can only be called usurous terms. I always paid my bill within the first week it was due and there was never a problem. Now that the account is closed, if the bill is due on the 1st, I start getting non-stop robo calls starting at 8AM every hour and a half all day long. Citi has also now reported me late seven time when I paid the bill within 3 to five days of the due date. This is pure harrassment and I am amazed it is legal. DOES ANYONE OUT THERE KNOW HOW TO START A CLASS ACTION AGAINST THEM? I CAN'T BE THE ONLY ONE.