Consumer complaint received 2018-11-27
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX my XXXX XXXX credit card was closed - I had this card for over 35 years and this story is really hard to believe and hard to imagine it could happen to me, especially since my account was closed by a CITI executive because she has a personal grudge against me - it has nothing to do with me or my credit or my ability to pay my bills. My credit is outstanding. 

Here 's the story in my letter to XXXX XXXX on the day I got my letter from XXXX XXXX that my account was being shut down by CITI - the XXXX XXXX credit card company. 

To whom it concerns : Im in receipt of your letter dated XX/XX/XXXX informing me that my XXXX account has been closed. I am in complete shock! I have been a XXXX account holder since XXXX ; I started with a XXXX credit card upon graduation from college. I opened my account in XXXX XXXX   XXXX, PA and have been a very loyal customer ever since. XXXX is my primary go to store and one of my favorites for my entire adult life, Im now XXXX years old. My XXXX  daughters are now also a big fan of XXXX and always shop with me frequently making purchases from XXXX ; especially shoes, which is our favorite department. 

As soon as I opened your letter today, I called the XXXX number listed to find out why my account was closed because it can not be because of any payment issues. I have excellent credit with XXXX and rarely run a month to month account balance, I always pay off my monthly statement on time and have since XXXX, which is why I was a Platinum card holder. 

While on the phone with your credit department today, I was told that there were no notes to indicate why my account was being closed. I told her it HAD to be a mistake. She advised me to write a letter and to also send an email. I asked her for the email address and was given the following e-mail address : XXXX. 

Well the light went immediately off ; XXXX credit card is a CITI credit card. I recently had a CITI Advantage credit card which I had gotten in my personal name XXXX XXXX XXXX on behalf of my employer, XXXX, XXXX. This credit card was for a business account and had a limit of {$6000.00} ; which my company, XXXX, XXXX paid off every 2-3 weeks. This credit card was used for travel purposes. I volunteered to get this credit card in my name because the owner of the company did not have as good credit as I did, so I innocently volunteered to use my credit to help out the company and in return, I got the airline mileage ; which I could use for personal travel purposes. 

Sounded like a good deal, right? Well, I guess not because, our company CITI advantage card was closed without any notice last Friday, XX/XX/XXXX, the same date as the letter I got which prompted the call today and this letter. XXXX, XXXX was never notified or told why our Advantage CITI credit card account was closed, it just got closed down. We strongly believe its because my employer is in the XXXX XXXX business in the United States. And CITI does not want to be associated with any XXXX  business transactions or banking. I am not an owner of this company. Im just an employee and have been employed with the company for over 5 years working for my employer and his various businesses ( besides XXXX, XXXX ) as a Certified XXXX XXXX. 

Our company, XXXX, XXXX is a reputable company. We operate in the State of New York ; we pay our taxes, pay our bills on time and operate in accordance with all federal and state laws. We are not in violation of any laws and we are not involved in any criminal investigation or civil litigation. 

I also am personally a law abiding citizen. My husband and I are respectable career established professionals and have raised XXXX daughters that are also respectable young adults that are XXXX from college in XXXX. I have maintained excellent credit my entire life. I have never been charged with any crimes, misdemeanor, or been involved in any litigation my entire life. 

So, for me to have my XXXX credit card cancelled because CITI doesnt want to be involved with XXXX  businesses has nothing to do with me. Im just an American citizen working for a company that operates a legally established business under Federal and State laws in the United States of America. I am being discriminated against in the worst, most unimaginable way possible ; because my employer is in the XXXX business. But for me personally, what have I done? Did I not pay my bills on time, have I been charged with a crime, traffic violation, NO, I have done NOTHING wrong. 

I have impeccable credit and have worked hard, very hard for over 40 years with no blemishes in my professional or personal life until now and for what? Being an employee of a company that offered to help her employer get a company credit card that paid their entire account balance off every 2 weeks? 

Please explain why XXXX has closed my account, please? I need to understand why you chose to do this to me without any reason or contributing factor known to me or caused by me. 

Sincerely distressed and in need of an answer, 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