Citibank Credit Card Complaint

Citibank Credit card department,

Closing/Cancelling account District of Columbia

On -/-/2017, I phoned Citicard Services regarding paying off my Sears balance. I was asked a series of questions when the agent presented a - month term @ $100.00 per month at - % interest and asked for my bank routing information. I told her I would think about it and call back in the morning. When I called to let them know I decided to decline their offer pay and the balance on my own terms electing to close the account by me, they told me that I could not get out of the terms the agent quoted me. And, even if I paid the account in full their report to the credit bureau would read that account was closed by the guarantor instead of closed by the consumer. My account is not delinquent and I wish to pay it off and close it on my terms instead of them reporting the negative to the bureau. Please help. Thanks