Consumer complaint received 2015-03-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To whom it may concern, Citibank closed my credit card for reasons that do n't comply with and totally go against what the Federal Trade Commission, Fair Credit Reporting Act and the Consumer Financial Protection Bureau stand for in terms of fair credit lending and responsible business practice. Citibank " refused credit even though I qualify for it ''. I RESPONSIBLY maintained my credit card with Citibank as a diamond preferred member credit card holder for a little over 1 month. XXXX day, I called customer service and I was met by a woman who, like normal took my info. But as the conversation progressed I realized the person is someone I knew personally through a person I used to be engaged to. The conversation escalated quickly when she realized who I was. As time progressed I realized who she was and eventually I 'm saying to myself : " if she knew who i was the whole time why would she continue the conversation. '' In no way was I threatening and in no way was I abusive. If a customer service representative WHO ALSO KNOWS ME ON A PERSONAL LEVEL is going to berate me because she has a PERSONAL PROBLEM with me I 'm not going to just allow her to diverge from the topic of my bank account and attempt to NOT speak to a supervisor, which I requested from her and she refused to do. Eventually, I hung up and before I did she stated, " she was going to go to corporate and go out of her way to cancel my card ''. Again, I have been responsible with my card and in no way was I threatening and or abusive in my conversation, on the contrary, the representative was abusive and threatening in nature AND EVEN CITIBANK WAS APOLOGETIC FOR THE REP 'S BEHAVIOR after they learned of the situation. What makes this situation even more ridiculous is that right after the conversation took place, I was issued a " VALUED CUSTOMER CREDIT '' for XXXX DOLLARS for having to go through this issue. Citibank issues me not XXXX but XXXX credits and a verbal apology for an employees behavior and admits the issue was wrong on Citibank 's part, they turn back around and close my account. 
Here is how the credit appears on the statement : ( I can provide you with official documentation upon request ) '' Congrats! Valued Customer Credit ( {$50.00} ) Posted Date : XXXX Reference Number : XXXX Merchant Country : XXXX XXXX and XXXX '' Purchases Later that day, I come to find out that customer service " banned me '' from calling the service center anymore because of that reps complaint about me. I get XXXX letter that states : " We are contacting you regarding your Citi ( XXXX XXXX XXXX Preferred ( R ) Visa ( R ) account. When we spoke to you on XXXX XXXX, 2015 you were abusive and/or threatening during the conversation. Based on this, we 've decided that we 'll no longer accept your phone calls in the future. If you have any questions about your account please send your inquiry to us at : Citibank XXXX XXXX XXXX XXXX XXXX, SD XXXX Thank you for your cooperation. Sincerely, Your Customer Service Team '' After calling the " executive office in South Dakota '' which obviously is an escalated customer service center, the rep states that the ban is not permanent in terms of calling CS. So the next day I call Citi back to check my balance and come to find out now my account is closed. They asked me if I received the letter sent out I said no. Here is the REVISED version of the letter from above ( for closure of account ) " We are contacting you regarding your Citi ( R ) Diamond Preferred ( R ) Visa ( R ) account. When we spoke to you on XXXX XXXX, 2015 you were abusive and/or threatening during the conversation. Based on this, we 've decided that we 'll no longer accept your phone calls in the future. If you have any questions about your account please send your inquiry to us at : Citibank XXXX XXXX XXXX XXXX XXXX, SD XXXX Thank you for your cooperation. 
Sincerely, Your Customer Service Team

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation