Consumer complaint received 2020-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
To be fair, my letter to Citi 's Executive office went out just recently. I could not find an email or online form ( why not? ), so it went out via USPS mail. 

I have taken advantage of multiple Citi USPS mail offers over the case of the last 2 years always reading the terms of these offers and ensuring that I remain within those terms. When applying for one of these offers I have provided 100 % accurate personal information and in most cases with my excellent credit score, have  been instantly approved for each card. On one occasion Citi did require me to call in to verify my identity ; easy and I was approved. For each card I met the spending requirement and was awarded the miles for that spend and the mandated bonus. So far so good. These have been XXXX XXXX branded cards. Interestingly, the offers stopped coming sometime in the summer of XXXX so that was the end of offers. So I thought. 

On XX/XX/XXXX I received an email from XXXX XXXX Corporate Security announcing that my account had been closed, my total of XXXX miles taken and I was no longer eligible to participate in their frequent flyer program again. And an upcoming flights had been instantly canceled. The letter seemed to be a form letter with clips from some terms included, but there never was an exact, explicit claim explaining what I had allegedly done. From reading online I gathered this was because of the Citi offers I had taken advantage of. Yet I complied with all of the terms of the mailer offers I received ( I went back and double checked ) and Citi approved me for each and every offer. The vague claims included fraud, misrepresentation and somehow exploiting something. Again, not clear at all what I have done to XXXX XXXX to warrant this action. 

So, yes, XXXX  was the actor that seems to have caused this issue. Yet my problem includes and was apparently caused by Citi. I can't say to what level Citi was involved, but the fact that XXXX XXXX has punished me for my interactions with Citi? I want to know what part Citi itself had in this scheme. If Citi is issuing XXXX XXXX credit cards and yet XXXX can decide to close accounts and delete the miles earned from these cards then there is something wrong. In fact, I see that Citi is still promoting XXXX   credit cards. I think anyone applying should be made well aware of what is going on. 

I have credit cards issues by Citi that are no longer valuable without an XXXX XXXX number, including a business card and I will need to close all of these if I can not get this issue resolved. 

I have some supporting documents including the email from XXXX XXXX, if required. I would have kept detailed records if I would have ever thought I would need them. This is totally bizarre and unbelievable.

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