Consumer complaint received 2019-11-26 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: IL

Complaint narrative:
XXXX XXXX XXXX Membership no : XXXX Credit card no ; XXXX And XXXX I have been a member of Costco for a long time. I used XXXX card and had no problem with the rebate or credit card. 
After Citibank took over, my Costco credit on personal name was transferred to Citibank Costco Visa card on my personal name as it is and credit limit was XXXX approximately. 
I charged Citibank Costco visa at Costco warehouse and collected the money from customers and deposited in my account at Citibank branch on XXXX XXXX in XXXX, and paid my credit card balance so credit available right away to charge again.Citi bank always called me how I do my business. I provided them all the answers and whatever papers needed them. I always asked them if everything is ok. The answer was that everything is fine. 

After a few months, my citi bank account was closed and I was told that I could not use this account to pay my credit card. 

Then I used my business account XXXX bank by using their debit cards to pay credit card balance. By using debit card, I was able to get my credit available right away to charge my card again at Costco. 

After a few months, the citi bank called me to verify how I do business and how I pay and what method I use. I explain to them to each and everything. I asked them everything is ok and was told that you are fine and not to worry. 

Then all of sudden my Citibank Costco Visa card was closed and forfeited my 2 % cash reward {$26000.00} appro The Citibank Sent me a letter stated according to the terms and conditions of the agreement. They did not specify which agreement I have violated. 

I came to know that one wholesaler whose card was on his business was also cancelled and forfeited his 2 % cash reward which was much bigger than mine After talking to Costco employees, there are a lot of card members who are using their personal cards as well as family members Citibank Costco Visa card for businesses and get 2 % cash reward. 

I promised my XXXX XXXX  kids-XXXX and XXXX will buy bedroom sets and their wishes will be fulfilled when I will get check next year. Their dreams are shattered and when I told them that I wouldnt be able to buy anything for them. 
These kids started crying. No parents want to see tears in their kids eyes. 

I was always told by Citibank that I was fine and doing the right thing. They have never warned of anything but always told me thanks for business. 

The Citibank is huge bank and I could not afford to hire a lawyers because his fees will eat my 2 %. Cash reward. 

Sir I sincerely wish if you could help my kids to fulfill their dreams If you need anything from me, pls call XXXX or send an email XXXX I can also emai you a letter received from Citibank. 

Thank you 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