Consumer complaint received 2017-10-04
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Today I found out my citibank ( XXXX ) credit card was cancelled by citibank. My husband who travels for work tried using it while out of state and it was declined. Note : it is the only credit card he had with him as a result I had to wire him emergency funds. 
As soon as my husband informed me I called Citibank to see what was going on. I had a credit line of {$8000.00}, have never owed more than 20 % of that and typically pay off the entire balance each month, and I have abided by all agreement terms. 
A Citi representative informed me that they did a random credit check and due to my high balances with other creditors they closed my Citi credit card without notice. I tried telling them I dont carry high balances on any of my credit cards and I only have a few credit cards which I am aware of. XXXX, XXXX XXXX, Sears and one other I cant recall which bank at this moment. 
As far as Citis claim of a RANDOM credit check, that is an untrue statement. I can assure you and if this ever goes to court, I can prove without doubt Citi pulling my credit report information was not random. However, the information the Citi representative provided me with as a result of pulling my XXXX report, alerted me to more unauthorized use of my personal information. I have placed security alerts with XXXX, XXXX and XXXX  months ago, including on XX/XX/17 and XX/XX/2017 due to accounts being opened and accessed in my name without my permission. However, and incredibly unscrupulous XXXX  has refused to add the Security Freeze or Alert. Get this ; they demand a copy of my drivers license and social security card. Would anyone in their right mind provide any personal documents to them? I have provided them with the identical information I provided to XXXX and XXXX, which was accepted to place security freezes and the information provided matches info. that has been on all my credit reports for over a decade. Additionally, XXXX has no problem using similar information to allow crooks to open accounts in my name. Further and even more absurb, XXXX sends me these letters to my home address the identical address I provided to them denying my request and demanding personal documentation. I even provided XXXX with an affidavit that i am XXXX XXXX and this affidavit was notarized. 
To prevent any confusion due to the length of this complaint, here is my specific claim with respect to Citibank The Citi card account ending in XXXX is an unauthorized account, nearly every transaction is unauthorized. I believe this to be an account I did open a few years ago but have not used in a few years. Somehow someone got hold of it, changed information and has been using it for a long time. 
My XXXX Citi account is mine and has always been in compliance There is a huge separation between the spending patterns of My XXXX account and the fraud account. Citibank should have recognized this difference Citibank stated the reason my XXXX credit card account was closed is due to high credit limits I have with other creditors and returned payments with the unauthorized Citibank credit card. Therefore, I pulled my credit report and there are numerous accounts I can identify as NOT mine.As I did inform the representative over the phone, I do NOT carry credit limits on the 4 credit accounts that are legally mine. Citibank wrongly closed my XXXX card and are willingly reporting inaccurate information to the credit bureaus. 
I have dispute my Citibank account ending in XXXX and the wrongful closure of my XXXX account with XXXX, XXXX and XXXX. Letters being mailed out today. 

*Please Note : I have a XXXX XXXX which also affects my XXXX, Citi witnessed my XXXX during our conversation on XX/XX/XXXX. As a result I am not comfortable speaking over the phone. I typically have to see the person ( read lips and facial/body expressions to help me understand sounds ) Otherwise, I have my daughter or husband speak for me. If this is the case I can provide a limited power of attorney. The other alternative is to have all correspondence written, either by email, USPS, XXXX whichever platform Citi prefers In the meantime, I am requesting Citibank follow the law and remove all information on my credit reports with respect the the account ending in XXXX, until after a completed investigation. By removing the reporting of these account to the credit bureaus immediately until an investigation can be completed does not in anyway harm Citibank. 
However, not removing this account and closure of XXXX account can and likely will have serious and life changing consequences with me. Most concerning is the fact I could lose my job. My employer monitors our credit and if it is below standard I will be fired. Being in my mid XXXX, the ability to get another similar job would be very difficult. If Citi does not take these precautions it could very well destroy my life. 

Further, I will be retaining a law firm to represent me, I am not well versed on the law and need to be sure I am properly represented. 
When I filed my request for security freezes with XXXX they informed me there was nothing else i needed to do. Please see following including attachments from XXXX. 
XXXX states : NO MORE WORK FOR YOU Once your selected alert is placed on your credit file, we will forward your alert request to XXXX  and XXXX  so you do n't need to contact each of them separately. 

XXXX  giving people runaround when trying to get copies or freeze their credit report. 

XXXX XXXX XXXX XXXX Tens of thousands have trouble freezing their credit report with XXXX XXXX XXXX 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