Consumer complaint received 2021-08-02
Company: CITIBANK, N.A.
State: CA
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:
I have had two credit cards with citibank for over 20 years. A Master Card and a Simplicity Card. I live XXXX miles away from the USA, in the XXXX. So the cards were used mostly for online purchases like XXXX XXXX XXXX and international and domestic air travel and hotels. I have always kept a XXXX, Ca. address for doing my banking business. I have over {$71000.00} in Citi Bank. I have never been late on paying any of the credit card bills, In XXXX, w/o notice to me and w/o any valid reason, citibank cancelled both credit cards. I have lost my computer security protection due to not being able to renew online due to no credit card..and .have had to cancel my upcoming XXXX due to no credit card to pre-pay the XXXX bills, along with other associated problems caused by the cancellation. 
It is only with great expense of time and money that I can make a long distance call to the USA. On XX/XX/2021, when I was finally able to get such a call through to the Citi credit card dept, I was told that the cancellation was due to me not having a USA mailing address. I then asked the lady assisting me to pull up my profile page maintained by Citi and check my address. She did ... and she admitted that I have a XXXX, CA. address on my profile page. She said she was sorry but she could not re-open the cards because they were cancelled. She told me to go online with citi and " apply for a new card '' and it could be mailed to me immediately. 
Well, guess what. I went on line, filled out the application for a new replacement card ... .and ... my application was DENIED immediately. Now, I am a non-person. I have no credit cards, I have no access to my {$71000.00}. I don't exist to Citibank anymore. 
In my opinion, this is nothing short of common FRAUD, committed against a XXXX year old senior citizen by a bank who is cutting out the dead wood ( the older customers who no longer deposit money each month into citi but instead, are with drawing their money each month ). I'm tired of this dishonesty. It's causing me XXXX XXXX and great stress. Their CHAT people do nothing but tell me to call XXXX miles to the USA. When I call, they tell my to go online ... which I can not do because they have blocked my online page, thereby freezing my accts. I pay a minimum of {$10.00} every time a have to call citi USA ... and I tell them I'm calling long distance from XXXX miles away ... and what do they do..they put me on HOLD for 5 minutes every time they transfer me to a new department. If this is " XXXX XXXX '', then they are XXXX  me with their pro service. I want to go back to the old days ... when banks were honest and treated their customers with respect and dignity. I feel like ( opinion ) that citi has stolen my funds and have wiped out my identity as a person.

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