ArroFin Annual Fee Prevents Credit Card Account Closure

I hold a credit card with ArroFin, opened and used through the mobile app, with the card ending in 3686. In September 2026 an annual fee of $60 was charged to my card. Since then I have been trying to have this $60 annual fee removed and to close the credit card account. I have contacted ArroFin customer service and I was informed that the account must have a zero balance in order to be closed. However, the only balance on the card is precisely this $60 annual fee that I am disputing. This situation leaves me unable to close the account, while I am not receiving any meaningful solution or follow‑up despite my requests. I request that ArroFin immediately cancels and refunds the $60 annual fee, reduces my outstanding balance on the card to zero, and then proceeds to permanently close my credit card account ending in 3686 so that I have no further obligations or charges related to this account.