Consumer complaint received 2025-05-24 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:
Citibank XXXX XXXX committed fraud and paid themselves out of my Bank Checking Account ending # XXXX {$1900.00}, in XX/XX/XXXX, for a disputed charge I discussed with Citibank in XX/XX/XXXX. 

Citibank XXXX XXXX XXXX closed my Credit Card no notice or explanation in XX/XX/XXXX, and put me in collection, and because my Credit Card was closed, I could not call in or access my billing online, with the CitiBank Visa customer service t/numbers on my credit card or the number on my Citibank Visa statements XXXX I was told this account does not exist. 
Immediately in XX/XX/XXXX, I was receiving phone calls to my cell early in the morning PST XXXX AM and XXXX times a day, same woman demanding I pay my balance owed, I was in collection. 
I stopped answering the cell phone calls and the debt collector, went to my voice mail leaving me threatening messages to pay the past due {$1900.00}, they were going to ruin my credit report, and of course CitiBank had already in XX/XX/XXXX, ruined my perfect credit report, I have no debt, and my Fico was XXXX score never late on any payments I could not convince these horrible people calling me a dead beat, and I am XXXX XXXX XXXX and a widow, in XXXX, and no one I phoned or emailed would not let me access Citibank Visa Closed bill online. 
I do not need to finance anything, so stopped phoning. 

Then CitiBank Visa began texting my cell phone XXXX times a day to call their Number,, texts messages I could not stop, even blocking the t/numbers and reporting it as junk, the changed the calling numbers. I was being harassed day and night by phone and text to call a number urgent to discuss my CitiBank Visa? 

My XXXXXXXX XXXX  checking researched my claim in XX/XX/XXXX, and after XXXX months, Citibank admitted their " mistake '' and recourse back the {$1900.00} and were forced to return the money back to my Mechanics bank on XX/XX/XXXX. 
I immediately was sent a new Citibank statement that I am 26 days past due, and I must pay by XX/XX/XXXX, the late fee and interest accrued on the {$1900.00} for a {$41.00} Late Fees and {$31.00} Interest and I phoned today XXXX and was verbally abused first by, demanding I pay the past due amount, and I explained it must be waived, because Citi Bank XXXX XXXX admitted the fraud, debiting my checking account in XXXX of XXXX, when the cancelled my Visa card XX/XX/XXXX. XXXX XXXX. ID # XXXX was on hands free speaker phone. 

I told her my employee was transcribing our call, and XXXX went into a rant, that I can not record the call, it is illegal, and I was arguing it is being typed, not recorded. 

I explained I am a tree hugger, and I do not want paper statements sent to me asking for another fraudelent charge, of interest and late fees for the original fraudulent Unauthorized, charge that CitiBank refunded back to my XXXXXXXX XXXX XX/XX/XXXX! 
XXXX, then transferred me to XXXX XXXX. ID XXXX XXXX and XXXX XXXX XXXX, informing me I could make a minium payment due of {$25.00}? 
I repeated my argument, and I asked if they all saw that Citibank refunded the fraud charge of {$1900.00} XX/XX/XXXX back to XXXXXXXX XXXX, and the answer was YES. 

I then asked her to waive these new charges for late fees and interest, and she said NO, and she told me they will continue to add interest every month on to the past due interest, and interest on the late fee ( XXXX ) now increasing. 
She was gleeful, and condescending. 

This stressful experience for me, to be so disrespected, after my having never been late paying my Citibank Visa, not in payments but balance in full spending {$80000.00} average a year at XXXX Citibank also owes me my {$990.00} XXXX XXXX cash back reward check in the mail XX/XX/XXXX, in the postal, that I earned in XXXX, and the check did not arrive. 

I phoned these same people asking for my rewards Check, and they refused to send me that check. 

They told me I was cancelled by them and if the cancel a Citibank XXXX card, they keep that money, despite I earned it between XX/XX/XXXX and XX/XX/XXXX, and then was diagnosed with XXXX and I did not shop much anymore at XXXX. 

I contacted XXXX XXXX, and they told me that CitiBank can not keep that Cash Back rewards money, because i did nothing wrong, I paid my bill in full every statement every month. 
So I ocntacted XXXX again and thye told me that they are keeping my {$990.00} rewards, becasue I had been late making a payment twice in XXXX year? 

I asked when was I late twice, and they told me XX/XX/XXXX was the second time, I was late in XXXX, and of course that is the {$1900.00} fraud charge that I did not pay, it was not owed. 

What CitiBank has dome to me and others like me according to XXXX XXXX, is XXXX is going to cancel their contract with Citibank, because a Class Action lawsuit is being filed for this very reason, and I am in that Class. 

What is worse in my case, is this is elder abuse, financial elder abuse, to be exact, and I want CFPB to get me back my {$990.00} Citibank owes me and changed the reason twice why they did not send me my check, because I have another Visa Card, I could have used all year long at XXXX, and I never used it, and that Visa has points towards purchases in gas, food etc,., I was loyal to XXXX a member since XXXX, and when XXXX kicked out XXXX, I put my membership number and my photo on this Citibank XXXX. 

I gave up much more in points and discounts with my other XXXX card, in order to get back that small percent Citibank paid cash for my spending yearly $ XXXX to $ XXXX not wholesale, a year, all retail, I paid taxes, and that is my average spent since XXXX at XXXX XXXX 
Please use my case as the example of the absolute cruelest way to treat a grieving widow of XXXX years, an elderly lady going to be XXXX, and in XXXX, how much more abuse can I take, also being told the collection calls and texts will resume.

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