Citibank (South Dakota) NA
Card Service Center
Customer Service
PO Box 6500
Sioux Falls, SD 57117-6500

Account No.: XXXXXXXXXXXXXX0117

Dear Customer Service Manager “R.M. Pick,”

I am in receipt of your letter dated May 3, 2009, advising me that the credit limit has been reduced on the above-referenced account to $300 due to a decision made based on information reportedly drawn from what you allege was my credit bureau report dated March 24, 2009.

Of the four points cited in making the decision, none are correct. In fact, after almost three years of dedicated effort to eliminate my credit card balances I wrote a check at the end of April that has zeroed out all revolving account debt.

Coincidentally, zero is the balance that is and always has been on the above-referenced account.

shitibankAs the card is obviously meaningless to me, rather than go to all the trouble of submitting the “updated credit report” you demand in an effort to get Citibank to rescind its silly decision, instead I have properly disposed of the card by going perhaps a bit to the extreme in destroying it (pictured at right), not only to demonstrate that the level of low regard I have for Citibank rivals that which Citibank has for me, but also to make it clear that Citibank can keep its lousy $300 and should cancel the above-referenced account immediately.

It’s been a pleasure ending business with you.

Sincerely,

William Campbell