Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In early XX/XX/XXXX, my mother and I received a letter from Citibank indicating that they would close my checking account and all related Citibank credit cards. I went to my local branch and spoke to the local branch manager regarding this surprise issue. She said it was due to my excessive deposit ( of {$6000.00} in 2 days. XX/XX/XXXX XXXX, see attached supporting document ) I was planning to take my vacation to XXXX and want to have extra cash on hand while I was abroad. The branch XXXX said she could not not give me any more reasons but I would have to write a letter to request the specific reason for closing my account. 

In the following weeks, I received XXXX more letters ( all of my other Citibank credit cardsXXXX Costco XXXX Home Depot Commercial card, Macy ) all had been closed without any specific reasons. 
Even Citis bank support phone was not able to give me the answer and they asked me to write a letter to the Citi Bank service support unit. It has been over 30 days and I have not received or hear back any valid response from Citi Bank. I feel this could be a misunderstanding by the Citis security A.I. protocol detecting a potential fraud. Ive been a great customer with Citi bank for over 10 years, maintaining a good balance ( about $ XXXX XXXX ) monthly and without any NSF XXXX any late payment nor bounced check in the past 10 years! Citi gave us the run around, instructed me to call the customer service, the the phone rep, they have no info, I've to write a actual letter. and nearly 50 days later, they replied, still without any valid reason why they chose to close our account and simply claim they donot practice any type XXXX discrimination. 

But It is now known for a fact that Citi Bank, under the new CEO, have officially made unfair discriminatory actions pertaining to extending credit against several certain XXXX history, based on their last names. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


" The CFPB found that Citi purposefully discriminated against applicants of XXXX descent, primarily based on the spelling of their last name, said CFPB XXXX XXXX XXXX " Citibank has been found guilty and fined {$24.00} in penalty for their XXXX discrimination policy against several races- including XXXX, and XXXX last name. 
We feel that because our last names end in XXXX and XXXX respectively, we are part of such unfair discriminatory policies actively practiced by Citbank as well. We urged CFPB to further investigate other XXXX discrimination practice for class action lawsuit that are still being actively implemented in the company at all levels. 

This unfair closure of all my credit card accounts is causing significant disruption to my daily lives. My mother is a XXXX XXXX XXXX retiree, who needs to shop for low cost gas and groceries and home depot repairs regularly.

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