Consumer complaint received 2016-06-29
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
CITI bank closed by all my credit cards and confiscated Thank You Points, which is the currency of the credit rewards. No notice was given, even no reason was given. When I called, they are not willing to discuss on the phone and let me contact them in writing, so I did. but no reply was received. So I made a call again to their so-called executive office. This makes me feel even worse, the woman on the phone was not only unwilling to help me find a solution but also asserted they can close my account for whatever reason at anytime. that 's the exactly words she said. I am pretty sure they can find the recordings. Is that even legal for her to say that? As far as I know the closure of credit is the process of reversal of credit, so it should be protected by the federal Equal Credit Opportunity Act. The letter only mention that the choose to close my account, no reason was given. During the phone call, I asked if my account is closed due to discrimination. The woman never says anything more than that they can close my account for whatever reason. My account was closed after I moved to a XXXX community ; before my account was closed I 've been a customer with citi bank for almost 2 years. No spending pattern was changed, FICO score keeping around XXXX, never miss a payment. However all of a sudden, my account was closed after I moved to a new community where the majority residence are haspaic for several months. I can not say the two events happened sequentially would make them the cause and effect, however their unwilling to include the reason neither on the phone nor in writing makes me believe that my account was closed based on the fact I lived in a XXXX community. At least I can say their action is constriction of discrimination. Their claim of whatever reason do include the discrimination and they are unwilling to explain the real reason makes me feel discriminated. And their rude phone rep made me feel much worse. As an XXXX, which is also minority in the US, we are considered to be unprofitable group to the banks, because we always pay credit bill on time, use credit card wisely. I have the reason to believe my account closure might have something to do with the fact that I am an XXXX. 
The even worse part is they also confiscated all of my Thank You Points ( around XXXX points ). As far as I know the points are rebates from the purchase I made, it definitively have the cash value. Citi bank would send tax forms after customers receive Thank You Points ( TYP ) as the checking opening bonus. The TYP from credit cards and checking account can be combined and used together. This also approve the face TYP has cash values. The bank can not confiscate cash as far as I know. I request citi bank to give me cash value as they stated on the tax forms they send out or reinstate my account and the TYPs. I hope they can also give an clear and legitimate reason for the closure. Also I need an apology from the rude woman form the so-called executive unit. 
One of my closed credit account number is XXXX, I think this is more than enough for them to locate my case.

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