Consumer complaint received 2015-09-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On or around XXXX, In a phone call with Citibank Dispute Dept, I believe I discovered that Citibank was engaged in fraud. I received a letter signed by a representative from that dept named " XXXX '' so I called the direct number listed. She said that she knew nothing XXXX : this dispute, namely because she stated that she does n't work with XXXX disputes, only XXXX XXXX my Citi credit card was a Thank You Preferred XXXX XXXX. I stated that her name was listed on nearly every letter I 've ever received from Citi to which she was surprised. I expressed my concern that Citi was sending me letters signed XXXX not w/ a physical signature ) with the closing " Sincerely, XXXX XXXX Service Specialist '' ) and suggested that she should look into it since it seemed from what she was saying that Citi was fraudulently using her name and misrepresenting her/Citi. 

Back to my dispute, she said she would contact me in a day or XXXX with the info which she did not have b/c again, she stated that she did n't handle XXXX disputes. 

Then just days later, without any notice or reason why, Citibank sent me a letter advising me that it closed this and another credit card with a XXXX balance which I 've had for years. I have EXCELLENT credit and payment history with Citi and have also banked w/ Citi for years. I had a couple of open credit card disputes which were near completion in my favor and one for {$2500.00} for which I had just requested info on XXXX, which I never received ( and which Citibank closed without providing me any information ). Citi cancelled my credit line availability for XXXX credit card accts but also cancelled nearly XXXX Thank You points which I had earned from my spending and paying my balance in full every month. That is the equal to about {$700.00} which was not easy to do but which I rightly earned. When I called Citi, every representative refused to tell me why. In fact, one supervisor said that she was not allowed to tell me why and that my only recourse, in this day of e-communication, was to WRITE A LETTER to a physical address at Citi. 

I mailed a physical letter via USPS and asked why Citi closed my accounts without notice or explanation or justification, especially in light of my excellent credit and payment history on every credit card account I 've had including this one. I also asked for the reinstatement of my rightly earned XXXX Thank You points. Citi responded with a generic rubber-stamped letter that simply restated that Citi had the right to close any account for whatever reason -- or NO reason -- and did not owe me a reason or any notice. Furthermore, it refused to reinstate my XXXX Thank You points which I rightly earned because of my purchases and timely payments for the past few years. 

In addition, Citi has denied my rights to dispute credit card charges, refused to comply w/ my requests to provide info on a {$2500.00} dispute ( even after a Citi dispute rep named XXXX said that he would mail the documents which I never received which Citi claims to have mailed in XXXX or XXXX ), and without justification or notice, confiscated nearly XXXX Thank You points which I rightly earned and had no expiration date. Citibank 's retaliatory actions are in bad faith and have already adversely affected my otherwise excellent credit history b/c it closed accts without even discussing anything w/ me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation