Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.

Complaint:
I closed the Citibank Aadvantage card in XXXX. Years later, I started receiving statements from the company beginning XX/XX/XXXX with a balance of XXXX. I received another statement XX/XX/XXXX and XX/XX/XXXX with the same balance of - XXXX. 

Then on XX/XX/XXXX a statement showed up of XXXX instead of XXXX. I called the credit card company and asked them why I 'm receiving statements when the account was closed years ago. They told me they sent a repeat close request and as long as I did n't make a transaction in the next 30 days, I should be all set. I told them I cut up the card in XXXX and there 's no way I can make a transaction. 

On XX/XX/XXXX, another statement again came, this time for {$270.00}. I called again and this time I was given an incoherent argument that I " requested a refund '' in XXXX XXXX and so they issued me that refund and now I owe that money back. None of this made any sense, especially given the history above. I told them I have not had the card in years and could n't have possibly been transacting on the account or requesting a refund. Also, I asked them why any of this is happening years after my account was supposed to be closed. 

The representative by the name of XXXX ( he gave his ID number as XXXX ) who identified himself as a supervisor refused to resolve the issue and only offered to take off the late fee but was adamant I was otherwise responsible for paying the whole amount. He was unable to answer my questions logically about why I suddenly am receiving statements and owe money two years after an account is closed. He further refused to transfer me to his own supervisor upon my request, stating " I 'm a supervisor and I took over your account. '' Please see below for a copy/pasted version of the email statements ~ XXXX XXXX XXXX since XXXX Account ending in XXXX View your monthly statement Hi, XXXX. Your Citi / AAdvantage XXXX XXXX XXXX statement is ready, so have a look. 

Statement Summary Statement Date : XX/XX/XXXX Statement Balance : - {$250.00} Minimum Payment Due : {$0.00} Payment Due Date : XX/XX/XXXXXXXX XXXX XXXX since XXXX Account ending in XXXX View your monthly statement Hi, XXXX. Your Citi / AAdvantage GXXXX XXXX XXXX statement is ready, so have a look. 

Statement Summary Statement Date : XX/XX/XXXX Statement Balance : - {$250.00} Minimum Payment Due : {$0.00} Payment Due Date : Thursday, XX/XX/XXXX XXXX XXXX XXXX since XXXX Account ending in XXXX View your monthly statement Hi, XXXX. Your Citi / AAdvantage XXXX XXXX XXXX statement is ready, so have a look. 

Statement Summary Statement Date :XX/XX/XXXX Statement Balance : - {$250.00} Minimum Payment Due : {$0.00} Payment Due Date : Saturday, XX/XX/XXXX XXXX XXXX XXXX since XXXX Account ending in XXXX View your monthly statement Hi, XXXX. Your Citi / AAdvantage XXXX XXXX XXXX statement is ready, so have a look. 

Statement Summary Statement Date : XX/XX/XXXX Statement Balance : {$250.00} Minimum Payment Due : {$20.00} Payment Due Date : Thursday, XX/XX/XXXX XXXX XXXX XXXX since XXXX Account ending in XXXX View your monthly statement Hi, XXXX. Your Citi / AAdvantage XXXX XXXX XXXX statement is ready, so have a look. 

Statement Summary Statement Date : XX/XX/XXXX Statement Balance : {$270.00} Minimum Payment Due : {$44.00} Payment Due Date : Sunday,XX/XX/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 monetary relief