Consumer complaint received 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
MY CARD WAS CANCELLED XX/XX/XXXX NO REASON. 
I WAS PAID IN FULL I DO NOT MAKE PAYMENTS EVER. 
I PAID IN FULL. 
I RECEIVED A STATEMENT THAT I WAS LATE ON TWO PAYMENTS AND THAT THE LATE FEE WAS {$41.00} x 2 MONTHS. I CONTACTED VISA BILLING AND THEY AGREED I WAS NOT LATE AND CREDITED BACK THE {$4100.00} X 2 TO MY BILL. 
MY ACCOUNT WAS CLOSED AND I HAD EARNED CITI BANK REWARDS {$980.00} IN XXXX, BEFORE THEY CANCELLED MY CARD. 
I WAS TOLD I FORFEITED THE REWARDS OF {$980.00} BECAUSE I FILED A XXXX  XXXX BANKRUPTCY. 
I DID FILE AND I HAD IT DISMISSED IN 5 DAYS. 
IT WAS MY LAWYERS IDEA IN A CONSTRUCTION DEFECT TRIAL I WAS IN THAT I LOST.T HE LAWYERS SAW THE XXXX  XXXX AND MY LAWYER NEGOTIATED THEM DOWN TO XXXX XXXX ON THE DOLLAR IF I PAID THEM ON XX/XX/XXXX. 
I PAID THE DISCOUNTED FEES THAT SAVED ME {$250000.00} AND IMMEDIATELY MY LAWYER DISMISSED THE XXXX XXXXXXXX BANKRUPTCY. 
CITI BANK TOLD ME I WAS CANCELLED DUE TO THE BANKRUPTCY WHICH WAS DISMISSED IT NEVER WENT TO COURT. I TOLD BILLING SAID XXXX XXXX SINCE XXXX {$50000.00} LIMIT DID NOT CANCEL OR MY OTHER VISA. 
I WENT UP TO EXC OFFICES WHO TOOK MY COMPLAINT TO REINSTATE MY CARD. THEN ON MY BILL WAS A INTEREST CHARGE ON THE LATE FEE THAT WAS WAIVED AND CREDITED, THAT WAS FOR {$16.00} ON A PURCHASE. 
I MADE NO PURCHASES AND CITI BANK TOLD THE INTEREST WAS CHARGED ON THE PAYMENT I MADE IN XXXX. 
I MADE IT CLEAR THAT A PAYMENT IS NOT A PURCHASE AND THEY STOLE {$980.00} REWARDS I EARNED AND I RECORDED THE EXC OFFICE VP TELLING ME I WAS CORRECT THAT THEY CAN NOT CHARGE INTEREST ON INTEREST CHARGED ON A PAYMENT IN FULL THAT WAS NOT A PURCHASE> I WAS TOLD I WOULD GET A DECISION IN THE MAIL.THE DECISION I GOT IN THE MAIL POSTAL IS THAT I WAS LATE TWO TIMES IN ONE YEAR SO THEY CANCELLED MY CARD<IOH IT WAS NOT RELATED TO A BANKRUPTCY. CALL RECORDED I THEN SENT IN ONLINE I CAN'T BE LATE IF THE LATE FEE WAS WAIVED TWO TIMES CITI BANK AGREED I WAS NOT LATE THAT MY BILL CYCLE SHORTENED WHEN THEY CANCELLED MY CARD> I WAS SHOCKED BECAUSE MY REMINDER IN MY BILL PAY ALWAYS HAD ME PAY MY CITI CARD VISA BY ETF ONE DAY BEFORE IT IS DUE EVERY MONTH< THE EXC OFFICE PHONED ME AGAIN AND TOLD ME THAT MY CITI VISA EMAIL NOTIFICATION YOUR BILL IS DUE WAS INCORRECT THAT THEIR IT GUYS HAVE NO WAY TO CHANGE THE BILL IS DUE TO WHEN A CARD IS CANCELLED SO THEY KNOW THEY HAVE A PROBLEM AND THAT IS WHY THEY WAIVED THE TWO LATE FEES ''. THIS IS INTENTIONAL FRAUD< HOW MANY PEOPLE LIKE ME JUST PAY THE BLACKMAIL INTEREST CHARGED ON INTEREST THEY KNOW AND FEAR KNOW THE BILL IS ALMOST DOUBLE EVERY MONTH. MY BILL IS DOUBLING MONTHLY ON MY BILL CUT DATE THE CITI EMAILS ME< THE CUT DATE IS INCORRECT WITH TIME TO PAY YOYR BILL> TO RECAP ; I DID NOT KNOW MY CARD WAS CANCELLED AND THE CUT DATE WAS SHORTENED MAKING MY PAYMENT LATE. THEY TOLD ME REINSTATE YOUR CARD AND WE WILL REMOVE THE INTEREST THAT IS BEING CHARGED ON INTEREST> I WENT IN TO REINSTATE MY CARD BECAUSE IT HAS MY PICTURE ON IT WITH MY XXXX MEMBERSHIP NUMBER MAKING IT EASY TO USE ONE CARD> I HAVE BEEN USING MY OTHER VISA AT XXXX WHICH DID NOT CANCEL ME SAME AS XXXX, AND I NOW HAVE TO SWIPE MY DEAD CITI VISA TO SHOW I AM A PAID MEMBER AT PHARMACY AND CHECK OUT AND PAY WITH MY OTHER VISA< VERY INCONVIENTANT I WAS TOLD I WOULD HEAR BY LETTER IT LOOKED GOOD > I RECEIVED THE LETTER TELLING ME YOUR REINSTATING YOU CARD IS REJECTED> THEN I GOT ANOTHER LETTER TELLING MY THEY COULD NOT REINSTATE MY CARD BECAUSE I HAD BEEN LATE 2 TIMES IN ONE YEAR. THEN ANOTHER CALL IF I DID NOT PAY THE PAST DUE OWED IT WAS BEING REPORTED TO THE CREDIT BUREAU> CITI BASK REPORTED ME TO THE CREDIT BUREAU. 

I CONTACTED A CLASS ACTION LAW FIRM THAT SUES FINANCIAL INSTITUTIONS. THEY TOLD ME THAT THEY ALREADY HAVE HEARD FROM OTHER CARD HOLDERS THE SAME COMPLAINT OF INTEREST BILLED ON INTEREST ON A CLOSED CARD I ASKED THE LAST CALLER FROM EXC CORP OFFICE TO REMOVE THE BAD REPORT ON EQUIFAX AND SHE TOLD ME NO< YOU CAN CONTACT THEM WE STICK BY YOU OWE US MONEY AND THAT MONEY WILL GROW AND GROW AND GROW. 
SHE WAS RECORDED AND SHE WAS MEAN AND HAPPY TO THREATEN ME< I AM A SENIOR I DON'T NEED TWO VISAS & ONE XXXX & ONE VISA DEBIT CARD I NEED MY GOOD CREDIT RESTORED IT HAS ALWAYS BEEN IN THE HIGH XXXX 'S AND THE LAW FIRM TOLD ME THIS IS ALSO FINANCIAL ELDER ABUSE

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