Consumer complaint received 2020-03-04
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, my AAdvantage account number XXXX ( the " AAdvantage Account '' ) was terminated by XXXX XXXX for suspected " fraud, misrepresentation and/or abuse '' of the AAdvantage program. As a result, over XXXX XXXX XXXX miles -- nearly all of which were earned through Citi 's financial products -- were confiscated by XXXX XXXX. A copy of the " AAdvantage Account Suspension '' letter emailed to me by XXXX XXXX Corporate Security is attached herewith as Exhibit A. 

As mentioned, nearly all miles earned on the AAdvantage Account were accrued through my various financial accounts with Citi between the years XXXX and XXXX. A cursory internet search seems to indicate that XXXX XXXX is actively terminating customers who have earned miles through Citi accounts. Therefore, the purpose of this complaint is to request Citi 's assistance through verification of the miles earned from my various Citi accounts. 

Each of the statements attached as Exhibit B document the various promotional bonuses earned through Citi credit cards since XXXX. Each of these accounts were applied for by me, and duly approved by Citi 's credit card division, between XX/XX/XXXX and XX/XX/XXXX. 

While I recognize that promotional credit card offers publicly presented on websites such as Citi.com and XXXX generally limit participation in such offers to once every 24 or 48 months, the statements in Exhibit B reflect fulfillment of non-public direct solicitations without any such limitations as to frequency. With the exception of the accounts ending in XXXX ( personal card ) and XXXX ( business card ) -- which were applied for using offers publicly available on http : //www.citi.com/ -- all other accounts documented in the statements in Exhibit B were applied for using promotional offers received regularly from Citi and/or XXXX XXXX via direct mail or email between the years XXXX and XXXX. A sample of the direct mail offer terms is attached as Exhibit C, which states only that " [ i ] f you are an existing Citi/AAdvantage cardmember you are not eligible for this offer on your existing account ''. In light of this restriction that my existing Citi/AAdvantage credit card account ( s ) were not eligible for the offers, I opened a new Citi/AAdvantage credit card account in response to each such offer. 

Following approval by Citi of each credit card application submitted in response to these offers, I received confirmation of each account approval and the associated offer terms in the form of an " Account Approval Notice '', an example of which is attached herewith as Exhibit D. This Account Approval Notice in Exhibit D, for example, was mailed on XX/XX/XXXX following approval of the account ending in XXXX, and confirms that I would " [ e ] arn XXXX XXXX XXXX AAdvantage bonus miles after spending {$2500.00} in purchases within the first 3 months of account opening ''. Indeed, these miles were duly issued into my account in the statement dated XX/XX/XXXX ( see Exhibit B ) in accordance with the offer terms.

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