Consumer complaint received 2019-11-06
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: Other problem

Complaint:
PLEASE READ IN ENTIRETY 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 Visa, Costco, 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 Visa, Costco, 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, Costco and Visa. 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 Costco 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 Credit Reporting 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 Costco Rebate Visa and XXXX Thank You Rewards Points. ) Now, as of XX/XX/2019, Citbank continues to accuse me of being less than honest with them, which is not true. I have in both honest and straightforward with Citibank. I attempted to return the merchandise to XXXX XXXX XXXX and they refuse to take it back hence why I opened the dispute. I attempted to take back the broken item to XXXX 's and they refused to take it back stating that I needed to take it up with the manufacturer. Which is why I opened the dispute. I noticed that neither one of the companies supplied any information or evidence contradicting what I said. All they showed Citibank was copies of the register receipts. That does not negate what I've been saying all along and clearly does not constitute allegations of dishonesty. Clearly, Citibank is defaming my character and credibility, which I intend to take action against. 

Also, as of XX/XX/2019, I have never been supplied with any terms and conditions agreement, as Citibank claims that they have complied with. I now ask that they please provide a SIGNED copy of the terms and conditions with my signature on it. Absent that piece of evidence, they have no legal right to withhold my earned rewards. 

Citibank has to understand that just because something is written in a document does not mean it is legal. Thus, I'm contesting the legality of their terms and conditions, even though I have never seen the term and conditions agreement. 

I plan on filing complaints with multiple agencies and the possibly seeking legal action to recover the {$120.00} plus the {$64.00} that they have illegally taken from me with no justifiable explanation other than that fact that I forfeited the rewards when they canceled my credit card. Citibank has to understand that they've never shown me any proof that the terms and conditions state this fact and they've never show me any proof that this is legal. At this time, I also reserving the right to file a civil complaint for discrimination, defamation of character and liable. 

All this can be rectified if Citbank just issues the rewards that I have earned. I guarantee that if I file a civil complaint for discrimination, defamation of character and liable, that the legal fees for Citibank will far exceed the {$120.00} and {$64.00}.

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