Citi won't let me pay off credit card balance?

Credit

Short story:

  1. Started a chargeback process on a fraudulent charge

  2. Citi gave me a temporary credit while the chargeback was investigated, putting my credit card balance at $0

  3. I voluntarily closed my credit card

  4. Citi reversed the chargeback, saying I owe the money.

  5. I am unable to log into my citi account, as the credit card is closed, and the username/password terminated

I've called citi (30 minute hold) to ask them how I can pay this. They transfer me to billing (another 30 minute hold), who tells me I need to log into my account, and that account services can help me get logged back in. Transferred to account services (30 minute hold), who tells me I need to speak to billing.

What am I supposed to do here?

Edit: Yes, I'm pissed about the CB reversal. Yes, the charge was legitimately fraudulent. No, I don't even care about the money. I just want to pay it and never work with Citi ever again.

Posted Dec 29, 2025, 6:42 PM UTC

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