Consumer complaint received 2022-01-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had credit cards with XXXX XXXX and Best Buy. 
I had been paying XXXX XXXX on time but I hit hard times and still paid the minimum on time and quickly paid off the balance. As soon as I covered the balance they let me know they closed my account because they foresee me being a risk. The card was only {$200.00} and I was on the mend financially. 
Best Buy was worse. I sustained my card payments through XXXX with minimal income. As I was recovering physically and financially they closed my card but held on to the benefits... .for themselves. I decided I would pay at my convenience monthly only to receive an email and a PHONE CALL to inform me I am LATE and was charged a LATE FEE. After stating my concerns regarding the unfair and borderline illegal practice the representative granted me the courtesy of refunding the fee.. I was appreciative but still disgusted that these large companies seem to have traded their moral compass for the ALMIGHTY DOLLAR. 
Previous to this encounter I spoke with someone at the corporate level at Best Buy who directed me to the bank that offers the loan/ credit ( citibank XXXX This rep explained to me that it's only FAIR that they treat all their customers the same... so if a customer has a credit score of XXXX it's not fair that a customer who's credit declined deserves to have a card. ... WE JUST SURVIVED COVID!!! And a customer with a score of XXXX qualifies for probably a few XXXX verses little me with just {$500.00}. As long as both are amicably maintaining their balance there is no reason to pull the rug!!! 
There is a Bible story about XXXX. He did a terrible thing and just couldn't see it while he was in it. So XXXX sent a prophet to awaken his conscience by telling him a simple story : There was a man who had lots of sheep ... a rich man. Then one day the rich man saw a simple man with one little sheep ... healthy and just beautiful. The rich man was overcome with the desire for his one sheep so badly that he had the simple man killed so he could have it. When XXXX heard that story he was so angry because it was unfair... .he demanded that man be brought to him to be punished for this act. Then XXXX said ... '' thou art the man! '' Well I'm definitely no prophet but I think it's fair I get to keep my 1 little sheep and those who have many sheep keep theirs. Big companies should know fairness breeds loyalty and loyalty increases profit. XXXX has had issues in the past and maybe still do ... .but they worked with me and helped me through COVID... .so did XXXX Bank XXXX Best Buy and XXXX XXXX didn't even offer the bare minimum. I'm sure this has happened to others. Please use you influence to assist us as we all recover from a challenging 2 years. Have these companies revise their fine print and treat customers the way they ( as real people ) would like to be treated. Thank you for you time and anticipated Effort.

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