Consumer complaint received 2023-09-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, So I opened an account back in XXXX and two accounts since, but it was closed without my knowledge and the bank did not even warn me of closure. Everything was fine until one evening when I found out my accounts were closed when I was unable to make purchases on any of the account, so I thought maybe they don't accept certain cards but they said that they accept all credit cards. I have 3 accounts with Citi bank and I was in good standing, they were all paid on time and no late payments. I even send them a mail about my accounts being closed unexpectedly to get them to reopen my accounts, but they refused and they didn't even allow me to get my rewards back to me. This is poor practice by not just Citi but any Bank at all. I also had an intro bonus with my Citi- Premier card that was around XXXX thank you points after XXXX spending ( I was XXXX from hitting that bonus ) which I could have achieved 6 months ago if it wasn't for this unexpected turn of events.Basically, I wanted my accounts reactivated and restore to their previous state because it was unfair that my account closed unexpectedly like this. I also have disputes on my accounts that were unfairly ruled against me and if possible I will need to file a police report and also file other reports against this bank if it boils down to that. Not only is this unfair to me as a consumer but it is also unfair to anyone who has done business with Citi for 5+ years. 



Account HolderXXXX XXXX XXXX XXXX XXXX 
Account No- Costco Anywhere visa Credit card ending in XXXX ( account since XX/XX/XXXX )- with a -Credit limit of {$12000.00} with the current balance of " - {$100.00} '' -Restore my previous rewards Costco cash back from XXXX to {$220.00} that is supposed to be mailed to me later this year on the end of XX/XX/XXXX statement. 

Citi Custom Cash card ending in XXXX ( account since XX/XX/XXXX ) - Credit limit of {$6400.00} with the current balance of - {$96.00} Restore my previous Thank you rewards of XXXX Thank you points. 

Cit Premier card ending in XXXX ( account since XX/XX/XXXX ) - Credit limit of {$7000.00} Restore my intro bonus of XXXX Thank You points after {$4000.00} spending when I opened the account on XX/XX/XXXX, and extend it till the end of XX/XX/XXXX because I could have reached my intro offer by XX/XX/XXXX if my account wasnt closed. 
Restore my previous Thank you rewards on the account of XXXX Thank You points. 


Letter is below... 

To : The Office of the President, XXXX XXXX XXXX, XXXX XXXX, SD XXXX, Account Holder- XXXX XXXX XXXX XXXX 

Dear Office of the President, With due respect, I am informing you that my above-referred credit card accounts have been deactivated because of a reason unknown since XX/XX/XXXX, for a period of 1 week and 4 days as of the date this letter is being written, so I hope that it isnt too late. I don't believe there was any misinterpretation of information, but if there was, I am deeply sorry for any harm this may have caused and will make certain that it does not happen again. I have been a loyal customer with other banks, including XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX and XXXX XXXX XXXXXXXX for over 10 years, and I have never had this problem. Now, I want to continue to make transactions in the above-mentioned credit card accounts with your esteemed bank, Citibank. 

Therefore, I would like to request that you activate and reinstate the accounts above as " reopened '' and not new accounts with no hard inquiry but a soft inquiry to their previous state with immediate effect. 
I wanted to restore my cards to their previous states, as follows : Restore my credit score by removing my default on my credit report. 
Reopen my Costco Anywhere visa Credit card ending in XXXX ( account since XX/XX/XXXX ) with a Credit limit of {$12000.00} with the current balance of - {$100.00} Restore my previous rewards cash back from XXXX to {$220.00} that is supposed to be mailed to me later this year on XX/XX/XXXX statement. 
Citi Custom Cash card ending in XXXX ( account since XX/XX/XXXX ) with a Credit limit of {$6400.00} with the current balance of - {$96.00} Restore my previous Thank you rewards of XXXX Thank you points. 

Cit Premier card ending in XXXX ( account since XX/XX/XXXX )- with a credit limit of {$7000.00} Restore my intro bonus of XXXX Thank You points after {$4000.00} spending when I opened the account on XX/XX/XXXX, and extend it till the end of XX/XX/XXXX because I could have reached my intro offer by XX/XX/XXXX if my account wasnt closed. 
Restore my previous Thank you rewards of XXXX Thank You points. 
I humbly request that you reactivate my account as soon as possible. 
Thank you in advance. 
Yours Sincerely, XXXX XXXX XXXX,

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