Consumer complaint received 2026-06-22 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: FL

Complaint narrative:
I am a long-standing XXXX XXXX AAdvantage member and former AAdvantage Aviator credit card customer ( # XXXX ). I have been an AAdvantage member since XX/XX/XXXX, currently hold AAdvantage XXXX XXXX status valid through XX/XX/XXXX, and have accumulated more than XXXX lifetime AAdvantage miles. My AAdvantage XXXX credit card account was originally maintained with XXXX XXXX and remained in good standing. Following the transfer of the AAdvantage XXXX credit card portfolio from XXXX to Citibank, XXXX XXXX / AAdvantage credit card account was closed by Citibank. On XX/XX/XXXX, I applied for a Citi / AAdvantage XXXX XXXX XXXX XXXX. Citibank denied the application and stated that " the credit privileges on your existing account ( s ) are currently restricted. '' I maintain an excellent credit profile, and Citibank has never indicated that the closure of my account or the restriction on future Citi credit card products was related to my creditworthiness. Following the closure and denial, I contacted Citibank seeking clarification regarding the basis for the account closure and the alleged restriction. On XX/XX/XXXX, Citibank 's XXXX XXXX XXXX provided a written response. In that response, Citibank explained that certain checking accounts had previously been closed because of the way the accounts were utilized and further confirmed that those accounts were not reported to XXXX or XXXX XXXX XXXX. However, Citibank did not explain why my Citi / AAdvantage credit card account was closed, why I am subject to a restriction on future Citi credit card products, whether the restriction is temporary or permanent, whether I remain eligible to participate in Citi 's AAdvantage credit card program, or whether any process exists for reconsideration. In addition, although certain deposit accounts were jointly held, I was not responsible for the day-to-day management of those accounts and did not conduct the cash deposit activity that may have been considered during Citibank 's review. Nevertheless, Citibank appears to have imposed a restriction affecting my individual ability to obtain Citi credit card products without providing any explanation regarding my own conduct or eligibility. To date, Citibank has not advised me that it made any determination that I personally engaged in fraud, misconduct, suspicious activity, money laundering, or any other unlawful conduct. Citibank has also not advised me whether the restriction remains in effect indefinitely or whether any process exists to request review or reconsideration. I am filing this complaint because Citibank has not provided a meaningful explanation regarding the closure of my Citi / AAdvantage credit card account, the continuing restriction on future Citi credit card applications, or my ability to participate in Citi 's co-branded XXXX XXXX AAdvantage credit card program. At this stage, I am not seeking monetary compensation. Rather, I am seeking transparency regarding Citibank 's decision, clarification of my status with the bank, confirmation regarding any adverse findings concerning me personally, and an opportunity for meaningful review of the restriction affecting my Citi credit card relationship and my ability to participate in Citi 's co-branded XXXX XXXX AAdvantage credit card program.

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