Just a quick note to tell everyone how this matter was resolved. First, I did take the forum advice and canceled the autopay feature and will never use it again with Citi. Second, the account was finally reopened two weeks after my original complaint. It took many, many calls and eventually a person in their unit called CCU understood and accepted responsibility. Fees were refunded and small tokens were made, but not enough to restore our loyalty. We will look for better card companies and a better bank now that we know how Citi treats their best customers. Thanks for listening.