I won't touch anything that has CitiBank on it. They still owe me 60 bucks!
I used to have a Union Oil credit card (Citi provided) and they posted six charges for several hundred dollars on it that I didn't purchase. I chased it and they agreed to reverse the charges. But they would not reverse the "processing charges" and "late fees" that resulted from my not paying them when the statement came due. (I did pay the legitimate charges -- and on time.)
They still owe me that sixty bucks, and they will not see my smiling face again until they pay it.