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I hope this is not a surprise to anyone; but if you are getting pre-approved credit card offers in the mail, or loan refinancing, insurance, etc, etc, it means your personal information is already being passed around. This is nothing new and does require an online account for it to happen. I hope Citigroup has controls in place.
I looks like it is basically online banking. Many banks offer this service; this one just has a fancy online face. PayPal has FDIC insurance. Surprise!! It is just a bank also.
I guess you will need to find a bank that still offers Passbook accounts, if you don't want electronic control of your account.
I've read conplaints about PayPal fraud protection not being very good. I agree with that, however what bank checking account with a credit feature has any at all; which is really all PayPal is once you strip away the HTML.
Well, we cancelled our acct twice by email and once by ph, but today, almost a month after doing so, we get an email telling us our "online statement is ready"!!!! The email they sent (below) can NOT be replied to. You have to go to there website and jump through all kinds of hoops to get to a window where you can send them a message (through the site, NOT through email).
If it is this much trouble to do this, how much trouble will it be if you have a problem?
Date: Tue, 11 Jun 2002 16:27:03 -0400 (EDT)
Subject: Your June online statement from c2it is now available
Your current online statement for the c2it(sm) account registered under firstname.lastname@example.org is now available for your review at http://www.c2it.com
After you log in, click on My c2it and then the History link to view your statement.
It is important that you review your statement promptly.
If you have any questions, visit our handy online Help section or use our Online Customer Service at http://www.c2it.com
Thank you for using the c2it service!
PLEASE DO NOT REPLY TO THIS E-MAIL. This e-mail is generated automatically, and the address is not monitored for responses. If you are trying to contact us by using reply, you will not receive an answer. If you wish to contact us please go to http://www.c2it.com.
c2it service is provided by Citibank, F.S.B. Member FDIC.
c2it is a service mark of Citicorp.
If you have a problem with c2it it can only be worse. Junkmail and red tape = c2it.
Better yet, this week, months after we tried to cancel the account, we receive a letter in the mail asking us if we want to be removed (not, not added to!) telemarketing lists!
Yes, c2it, on our account that we cancelled, has been selling our info to telemarketing firms, but after doing this for months now, if we want to fill out a form, and mail it to them (not email no less) we can now be taken off. Oh, letter also let us know they have sold our info (and yours if you are a c2it member) to "promotional firms" but we can "limit" the info they have (ALREADY) given to "non affiliated" third parties!
"Limit", not stop. Think about that. Day one we said don't do this. Five months later they did it anyway, and now tell us they will not stop, but will "limit" it if we cut out a form, fill it out, and mail it to them. Avoid this service. This is based on experience.
Here's their contact info:
Tel: (800) 200-3881
Tel: (904) 954-7222