Consumer complaint received 2020-10-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I resigned from XXXX XXXX on XXXX and shredded my XXXX XXXX Credit Card at that time per XXXX HR request. The card had a credit balance of {$1600.00} upon my exit. 

XXXX activity occurred on the account after my employment end date, and I was unaware until I received a letter from Citibank dated XX/XX/2020 regarding a delinquent Citibank Corporate Credit Card and that my charging privileges on the Citibank Corporate Card had been suspended due to non-payment and if payment for delinquent amount was not sent immediately, my account would be permanently closed. 

XXXX, I spoke with Citibank and the representative helped me obtain access to the account, so I could see the post-employment activity. I have had conversations with 4 different Citibank representatives over the month of XXXX. I have also emailed XXXX database administrator CitibankCards_US@INCRearch.com per advice from Citibank to try to resolve the situation and emailed XXXX  Human Resources from the XXXX Website and to reinforce the need to resolve before the account goes to collections, plus late payment fees are a continued risk. 

The account activity that occurred is summarized below : XXXX, My employment end date and credit balance {$1600.00} left on card XXXX, XXXX requested Citibank to send the {$1600.00} credit balance refund to XXXX and the account went to {$0.00} balance. 
XXXX, XXXX requested Citibank send a second {$1600.00} credit balance refund to XXXX and the account went to a debit amount of - {$1600.00}. I was unaware of this activity on the account until I received the Citibank letter on XXXX. 
XXXX Late Payment fee charge of {$41.00} brought the debit balance to {$1700.00} XXXX Late payment fee change of {$41.00} brought the debit balance to {$1700.00} On XXXX, the XXXX Human Resource department forwarded my email to my previous XXXX Department Director and to the XXXX XXXX Credit Card Finance Team. I have not received further correspondence. 
I have been on recorded calls with Citibank, and I asked Citibank why they gave the second draw of {$1600.00} to XXXX when the account was in {$0.00} balance, and they indicated they just give the amount in response to XXXX '' requests. They also acknowledged that they could see these were not charges, but a credit balance on the card. I asked them not to allow any further withdraws to the account. They informed me I am responsible for the account and it will affect my credit in approximately 60 days, so I needed to resolve with XXXX as soon as possible. 

Please advise of my rights as this activity occurred post-employment and by XXXX request without my awareness. Further, Citibank made a duplicate withdrawal of funds at the request of XXXX that created the negative balance on the account and the late fees. 

Thank you for this review of the matter.

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