Originally Posted by
biggestbopper
A Citi AA card.
Interestingly, Citi, when I called about this months ago, claims that they have a tape that shows I agreed to the charges (not so), but, they refuse to provide a copy of the tape, a transcript, or the "summary," which is all the rep I talked to had.
Good luck with your dispute.
My CITI representative said they send changes to T&C stating that they will treat financial institution charges as cash advances. Since I got a refund, I did not check, but it is possible that they did.
Even if they did, this is a bad practice because CCs are inconsistent in classifying businesses and it is hard for consumers to know how a particular business is classified. Also, what if CITI sends a T&C change tomorrow saying that any business that has an ATM on premises is classified as a financial institution?
So it is possible that all CITI cards classify such charges as cash advances. Any counter-example? What about other issuers?