Consumer complaint received 2020-08-30
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Dear Sir or Madam : I believe that the Citibank made a mistake on my reward points in XXXX. When I submitted a complaint to you ( case ID # XXXX ). They provided an answer with wrong information. I then tried to collect the evidences which are my credit card statements. However, they deleted all the on-line files without my consent. I asked them to provide my statements to me. They provided the linkage for me to download these requested statements. After viewing the statements, I found that they did make a mistake. Furthermore, I believe that they fabricated my credit card statements, which is a Federal felony. 

First, I show the mistake that the Citibank made : I made a purchase between XXXX XXXX and XX/XX/XXXX, which produced {$34.00} rewards shown on Page 2 of XX/XX/XXXX statement. However, the Citibank took the {$34.00} away on XX/XX/XXXX because the Citibank claimed that the account was not active for 12 months. They were lying because you can see that there was a {$0.00} reward left in the same page 2 of XX/XX/XXXX statement. This {$0.00} rewards was also shown in the page 2 of XX/XX/XXXX statement. If my credit card were not active for 12 months, this {$0.00} should have been taken away together with the {$34.00} reward by the Citibank on XX/XX/XXXX. The Citibank made a mistake. 

Secondly, I believe that the Citibank fabricated my credit card statements in order to cover their mistake by showing that there was no activity in my account between XX/XX/XXXX and XX/XX/XXXX. They closed my account and deleted all my statements without my consent before XX/XX/XXXX. After requesting the statements, I found that the page 2 of XX/XX/XXXX statement showed that the {$0.00} reward was from previous balance. No matter how the Citibank fabricated my credit card statements, the {$0.00} reward indicated the conflicting point. If the {$0.00} existed before XX/XX/XXXX as the Citibank claimed, it should have been taken away from my account together with the {$34.00} reward on XX/XX/XXXX. In fact, the {$0.00} reward stayed in my account until XX/XX/XXXX, which suggests that the {$0.00} was obtained after XX/XX/XXXX if the Citibank has a correct tracking system. Frankly, I remember I saw the {$0.00} from sometime late XXXX or early XXXX when I made some operation for another credit card. 

This {$0.00} reward is the key evidence to show that the Citibank made a mistake and then the Citibank fabricated the statements to cover their mistake. It shows how the Citibank intended to take money form its customer and break the Federal law. 

I ask you, our government for justice. Please find attached my credit card statements of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I cited in the complaint. 

Thank you very much XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation