Consumer complaint received 2016-10-25
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Transaction issue

Complaint:
This a complaint about yet another credit card, which Citi Bank made unusable for me in XXXX, despite my travel warnings, low/no balances, and Citi being completely aware that I and my nonprofit have been living on and off in XXXX, for nearly six years. 

Beginning XX/XX/2016, I have been reporting Citi their computer system problem and their Fraud Department Problem, because of which my Simplicity Card XXXX was blocked again and again, for small and recurring charges, despite my travel warning, The Citi CS and Executive Office replies have been of XXXX kinds - 1. we have the right to doubt ( this is after accepting the same charges for SIX years ) AND 2. your card is not blocked and can be used. 

So, after Citi had been denying services for my Card XXXX, in XXXX, XXXX, for two weeks, and kept blocking the card as soon as it would be unblocked, I decided to re-arrange my financial affairs so that I could use my Citi Thank You XXXX card for normal recurring expenses and for business travel, whose plans I had to change with financial losses. 

Naively, I thought that another card would not be a victim of the Citi faulty computer system and totally incompetent and unsafe Fraud Department, whose XXXX, XXXX, and XXXX employees are given full access to our private information. They know our Social Security numbers, addresses, and bank, and credit card information. They have absolutely everything they might need to break into our accounts. This is safety, the Citi way : ( Before switching to the Citi XXXX card XXXX, I rearranged my financial affairs, by clearing the card for use. On XX/XX/2016, I checked my travel warning for that card and discovered that it was gone. So, I put in a new travel warning ( please see records of my complaint attached ). This, of course, confirms the problems with Citi Computer System. 
On XX/XX/2016, I emailed faxed a letter to Citi Cards XXXX XXXX XXXX and the person who I thought to be the manager of XXXX Executive Office, XXXX XXXX ( please see fax attached ). In that letter, I summed up all the problems I had with Simplicity XXXX and asked them to make sure that the ThankYou XXXX card is ready for use and would not be blocked. At that point, the card balance was {$140.00} and the limit {$5000.00} XX/XX/2016, the card was rejected for {$5.00} medicines purchase at XXXX pharmacy. then for buying and groceries at XXXX. I came home, discovered yet another fraud warning and realized that, most likely, I would not be able to use this card either. That it would be blocked again and again, just as Simplicity XXXX had been. Unfortunately, that prediction came fully true. 
Attached is the detailed record of my please and demands and the Citi denials of there being any problem and lies, and even the bad science fiction inventions ( see letter of XXXX XXXX of XX/XX/2016, attributing the card processing failure to the bad machine used for the processing ). Of course, it does not matter for that Executive Office employee that the card had been used at the very same store for nearly SIX YEARS. 
My correspondence with Citi Bank, for both Citi Cards ( see attachments to the present complaint and to that about XXXX card ), includes my letters to XXXX XXXX, the Citi Card CEO, and XXXX XXXX, the person who I presumed to be the Manager of Executive Office because a couple of year ago it was she, who finally resolved a problem, about which another XXXX volumes of correspondence had been written. I have also left multiple voice messages at XXXX XXXX voice mail. 
There had been no replies from XXXX XXXX from XX/XX/2016 to XX/XX/2016, i.e. nearly two months, during which I was stranded in a foreign country, where walking with cash is neither safe, no recommended, without credit card. = please see continued

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