Consumer complaint received 2019-10-30
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/2019, Citibank canceled my credit card accounts without any prior warning. When I called Citibank Customer Service to inquiry why, they will not tell me why they canceled my credit card accounts. The Customer Service Representative stated that the bank closed the credit card accounts. When I asked Customer Service Citibank to reopen the accounts, they refused. Also, Citibank Customer Service refused to give me the phone number of the Citibank Executive Office. I then asked Citibank Customer Service for my rewards points and rewards coupon and they refused stating that they were forfeited when the account was closed. I said that I did not close the account, Citibank did. Citibank Customer Service stated that it did not matter. I stated that they can not cease my rewards points and I will be filing a complaint with XXXX, XXXX, the CFPB and CA Attorney General. Citibank Customer Service did not care. 

On XX/XX/2019, I received a letter from Citibank stating that my accounts were closed because I misled them on one or more disputes. I immediately called Citibank Customer Service and asked to speak with a Manager in order to discuss this matter with them. I spoke with a supervisor named XXXX and wanted to try and see if we can get this situation resolved before I take any action with XXXX, XXXX, the CFPB and CA Attorney General. Citibank Customer Service did not care. XXXX refused to help. I informed XXXX that the statement that is in the letter is an outright lie because I did not mislead anyone on any dispute. I then stated that I deem the Citibank Account Closure Letter to be defamation of character and this letter will be shown to the proper authorities, such as the Consumer Finance Protection Bureau, the California Attorney General, XXXX and XXXX. I also stated that I do not appreciate any insinuations that I've done anything wrong. I further stated that I do not appreciate my account being closed without consulting me first. I told XXXX that I have not misled anyone nor have I provided any misinformation to anyone. This libelist statement is a outright discrimination on the part of Citibank and I will take action against this. I then stated to XXXX that I demand that my points be returned to me in the form of a gift certificate or a check and my XXXX rewards be issued to me in the form of a check payable to me. I finished the conversation by stating that if these points and rewards are not issued back to me effective immediately, I will take legal action against Citibank for discrimination, defamation of character, intentional infliction of emotional distress, theft of my reward points balances since there is actual money that is owed to me, and libel. I finished the conversation with XXXX stating I would also be filing complaints for destroying my credit history, since Citibank notified the XXXX XXXX Agencies. 

At this point, what Citibank has done is bordering on several violations of the banking regulations. I no longer care if they reinstate the accounts. I do not want to ever deal with Citibank after this incident, but I do want the rewards dollars and monies that I earned and are owed to me in the form of my rewards ( {$120.00} in XXXX XXXX XXXX and XXXX Thank You Rewards Points. )

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