Consumer complaint received 2024-12-17 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: AZ

Complaint narrative:
CITIBANK I had five Citibank credit cards closed in XXXX by the company due to non-use. Four of these are bank credit cards, and one is a store card. The results of this has been the catalyst for the decline of my credit into the XXXX for the first time in decades. My utilization ratio became much higher due to the loss of these available credits. 
I had an emergency and needed to purchase something, but was unable due to my accounts all having been closed. I reached out to Citibank customer service, but the only solution they offered was to run my credit to open a new account, which was not a viable solution for me at the time, and due to my utilization ratio and other effects of the emergency, my credit probably wouldnt have been approved. I was very upset on this call. I may have agreed to having another account opened, because I have an email with a determination of such, but being that all of my accounts were closed by Citibank, when I changed my password and tried to log in, because I dont have an account now, I couldnt access anything. Account not found, or some such, and another bond would be created for which I receive no benefit. 
I couldnt understand how Citibank could penalize me for being a responsible customer. I wrote an Open Letter to Citibank, and told them they should listen to the recording of my call. 
The cards and details are as follows : Card 1, Held since XXXX, Credit limit {$3600.00}, expired in XX/XX/XXXX and the company just never replaced it. 
Card 2, held since XXXX, Credit limit {$11000.00}, closed by Citibank on XX/XX/XXXX Card 3, held since XXXX, Credit limit {$8500.00}, closed by Citibank on XX/XX/XXXX Card 4, held since XXXX, credit limit {$3800.00}, closed by Citibank on XX/XX/XXXX Cards 2, 3 and 4, I still hold unexpired cards into XXXX and XXXX. 

Card 5 is a XXXX XXXX store card Ive had since XXXX, with a {$5000.00} limit. I received a letter stating there was an account review on XX/XX/XXXX which showed I hadnt used my card in over 32 months. Then it demands, Be sure to use your card by XX/XX/XXXX or your credit account will be closed due to inactivity So on XX/XX/XXXX I packed my husband and his wheelchair ( needed after XXXX consecutive XXXX surgeries over two years, ) into my car and drove to XXXX XXXX. After an hour of picking out things, I went to the garden center to check out. My card wouldnt work. The clerk had me enter my SOCIAL SECURITY number into the keypad three ( 3 ) times, and couldnt get it to work. I had no other payment form on me, so I had to abandon my cart, as my husband went to the car. 
The clerk couldnt tell me if entering my social security number would somehow be used by the company or if I gave the company tacit permission to do something, just that it was for identification. It didnt sit well with me. I was irked, so I just left. 
When I got home I called, and the customer service rep told me my account had been closed back in XXXX, but he couldnt elaborate due to the day and time I called. He also suggested something about me calling a credit reporting company, which didnt make sense to me, but he and I didnt get to explore that any further. 
I didnt call back. 
Arizona statute ARS 13-2101 Definitions, 1. states : Cancelled or revoked credit card means a credit card that is no longer valid because permission to use it has been suspended, revoked or terminated by the issuer of the credit card by written notice sent by certified or registered mail addressed to the person to whom the credit card was issued at the persons last known address. Proof that the written notice has been deposited as certified or registered matter in the United States mail addressed to the person to whom the credit card was issued at the persons last known address gives rise to an inference that the written notice has been given to the cardholder.

No such notice was given for any of the cards referenced in my complaint. Title 13 is the Arizona criminal code title.

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