Consumer complaint received 2025-01-17 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: GA

Complaint narrative:
Thank you for taking the time to send my initial complaint to Citibank. Please be advised that the issue has NOT been resolved. Listed below is an outline of the events and concerns related to this issue : As soon as Citibank received your inquiry regarding my account, they responded. I spoke with XXXX, a representative in the XXXX XXXX XXXX. During our conversation, XXXX admitted the following : 1. The closure of my account was NOT my fault. 
2. The closure of my account was NOT due to delinquencies and or recent changes to my credit history. 
3.The closure of my account was caused by a bank error, as previously stated. 

Despite this acknowledgment, XXXX maintained that company policy requires updated financial information to reopen my account, which as she noted in her letter, includes pulling my credit report. This is absolutely preposterous and completely unfair for something that wasn't my fault to begin with. I repeatedly informed her that my financial circumstances have not changed and requested that the same financial information used when the account was originally opened be utilized. She refused. Considering this was a bank error, there is no reason why Citibank should adversely weaken a consumer impact score by retrieving a credit report. It's unnecessary. It's frivolous. And it's wrong! 

Shockingly, I recently learned that the policy they're implementing with me is not consistent with other consumers. They've reopened accounts for bank errors without requiring a secondary hard credit pull. Thus, I'd like to know where the disparate and invidious behavior is arising from? 

These acts seem deliberate and is very concerning. When I requested another level of review within Citibank, XXXX stated that no such option exists. When I asked to speak to a supervisor, she claimed to be the highest authority within the XXXX XXXX XXXX. 

Given this in conjunction with the previous correspondence, there is no doubt that a violation of consumer protection laws exists here. XXXX, as representative of Citibank exhibited behavior that undoubtedly violates FCRA, XXXX and XXXX. And if she disputes it, the entire communication is on the record! 

Credit Card companies are armored with liberties. But I can not stress enough the importance of shoring up loopholes and workarounds that companies like Citibank use to get over on consumers. We must address behavior that reflect a disregard for the rule of law and ethical business practices. Malfeasance, and misconduct at this level should never go unchecked. Thus, it is vital that corrective measures are taken to ensure consumers are protected and treated fairly. 

In an effort to resolve this matter, I am asking the CFPB to intervene and require Citibank to do the following : 1. Restore my credit card account without requiring unnecessary and intrusive financial documentation. 
2.Provide assurances that they will implement internal changes to prevent similar issues like this in the future. All consumers should be treated the same! 

I have detailed records of all communications with Citibank, which I am happy to provide should they be needed. In the interim, I am enclosing a copy of the letter from the XXXX XXXX XXXX. I trust that CFPB will take this matter seriously and intervene to ensure compliance with consumer protection laws. 

Thank you for your attention to this very important issue. I look forward to your response. 

Sincerely, XXXX 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