Consumer complaint received 2019-07-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On or about XX/XX/XXXX, I called Citi AAdvantage to inquire about when I could expect to receive the renewal on my Citi Aadvantage card that they had originally issued to me in XX/XX/XXXX and subsequently renewed each year  annually thereafter with a fee. Usually, I received the new card about 30 days prior to the expiration date. when I called CITI customer service, I was told that my card would not be reissued. They said they had reviewed my credit and perhaps due to late payments or going over my credit limit that I would not be getting a card. I then reviewed my bank statements and other utility bills and everything IS paid on time -- in full. Nor did I go over my credit limit. I called back the next day, and I was advised by someone in the XXXX that I should just apply for a new credit card, that there was nothing they could do, however, they did see that I paid my card on time for the past 19 years -- in full. Because I work full-time in a hospital, My wife called and talked to someone state-side. The customer service person indicated that a letter was sent regarding the reason for " Your card won't be reissued. '' My wife said she told CITI customer service that we did not receive such a letter and that she requested the letter be resent since we did not receive the original letter. Then a letter dated XX/XX/XXXX stated that CitiAADvantagePlatinum Select, World-Elite Mastercard was reviewed since it was expiring soon and that they were unable to send me a new card due to a bankruptcy or a charge off on another credit card issued by CITI. This is Categorically FALSE. I did NOT Ever file bankruptcy or not pay a credit card that I requested. Additionally, I don't have another CITI card. 
On XX/XX/XXXX, I sent a letter with a packet of information to Citi Card- XXXX    XXXX XXXX XXXX XXXX, SD XXXX-XXXX.  In that letter, I provided information to CITI card explaining that I never filed bankruptcy, and I NEVER had a charge off on ANY credit cards issued by any company with whom I requested credit. I requested that they provide me the credit card name, account number, any signed contracts, signatures, address, social security number, date of birth used etc. I requested how much they allegedly charged off because of me, and where I allegedly filed bankruptcy. I requested ALL information and I requested All supporting documentation that they used to impune my reputation and credit. I also requested contact information for the people making the decisions regarding my credit, their names, e-mail addresses and telephone numbers where they could be reached to discuss this information. I also requested that they reply in writing within 10 days or I would report them to The State of Texas Attorney General, the XXXX and take further action. 
Today XX/XX/XXXX, I received a letter dated XX/XX/XXXX, NOT responding to the letter I sent but rather a form letter response to an issue that I don't have. The letter states : " Decline of Credit Limit Increase. '' I did not request a Credit Limit increase. I don't need one. They are stating in the letter that they can't approve the increase because they don't have income or monthly mortgage/rent payment on file for me. I called the number on their form letter-XXXX. It says my account is currently closed, that they received my recent payment of {$14000.00} on XX/XX/XXXX, and that the new balance on my account is {$7100.00} and it's due on XX/XX/XXXX. 
My home is paid in full and has been for more than 15 years. I own all my cars. I used the Citi AAdvantage credit card to pay my utilities, groceries, incidentals, vacations and homeowner and car insurance instead of writing checks. 
By the way, if Citi/Aadvantage doesn't hear from me by XX/XX/XXXX, they state that they will consider my request withdrawn. 
How deceptive to respond to something NOT requested -- and then tell me my authentic request will be withdrawn if they don't hear from me again by XX/XX/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 non-monetary relief