example of things to come- I had a charge on my credit card that I wanted to dispute. I noticed that the companies that charge my card "used to" have their phone numbers on the statement so that I can dispute it with them but NOW there are no phone numbers and if i want to dispute the item then they have to issue me a new credit card with a new number. They do Not want to do any work to help the customer. That's Citibank. I used to use my debit card for recurring monthly charges but I cancelled my gym membership and it took 6 months for it to stop. Nothing I could do except to close that account and open another. Just a little sample of things to come. Saying nothing about their control over our money.