After a banking dispute in 2010 forced me to file a small claims court claim, Citibank removed my small claim to private arbitration against my objections. (a) Arbitrator's Decision.Within 10 days after completing the hearing, the arbitrator must: (1) file a notice of decision with the court;. The issue of whether an arbitration agreement is unconscionable for lack of the ability of a consumer to meaningfully optout is a hot issue in litigation.