Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
I wish to lodge a complaint against XXXX XXXX XXXX, because they cancelled my membership without my consent. My membership with XXXX is a contractual matter, and they can not cancel a contract without mutual consent. 



Background : I received a letter from the manager at the XXXX warehouse in XXXX claiming that I had used inappropriate language in a telephone call to their warehouse ( please see attached copy of letter dated XXXX ; also, please note that there is no date of the alleged phone call stated in the letter ). I never made such a telephone call. I called the assistant manager of that warehouse on XXXX, and also had an exchange of e-mails with their manager ( XXXX XXXX ) on XXXX, telling them that I did not make such a phone call, and challenging them to provide proof of such a phone call. No proof was provided. I sent another e-mail to XXXX XXXX on XXXX again asking him to reinstate my membership, but he never responded. 



For context to this mistreatment imposed on me by XXXX, I will state the following : In XXXX of 2018, XXXX attempted to cheat me out of {$120.00} in sales tax that should have been rebated to me after I ordered a laptop computer online and had it shipped to me in XXXX, WA ( I was working at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt at the time ). As a Montana resident, I am not ( and was not ) subject to state sales tax. I submitted a sales tax rebate request to XXXX for the {$120.00} ( as provided for in the Revised Code of Washington at that time ) based on my Montana residency, but they denied it, despite my repeated request for them to honor the rebate. I had to get a chargeback on my XXXX XXXX XXXX ( issued by Citi Bank ) to finally get the {$120.00} back. 



Secondly, I filed a complaint about XXXX employees who failed to help me with the malfunctioning self-checkout lane at the XXXX warehouse in XXXX, WA, XXXX XXXX. I attempted to complain to the warehouse manager via telephone, but the local employees blocked my efforts, so that same day ( XX/XX/XXXX ), I pushed this complaint all the way up to their V.P. for the XXXX XXXX, XXXX XXXX. XXXX XXXX refused to take my complaint seriously, refused to do anything to rectify the problem, and instead sent me a letter ( dated XXXX ; copy attached ) chastising me for my behavior in trying to get some help with their malfunctioning checkout register. XXXX XXXX went so far as to lie about my behavior, stating that I was alternating between cursing, name calling, and yelling. While I raised my voice in frustration over the repeated refusal of employees at the XXXX warehouse to help me, or to allow me to file a complaint over the phone with the manager, I categorically deny yelling, cursing, or calling people names. 



In summary, XXXX has been persecuting me, lying about and to me, and mistreating me for several years, as demonstrated in by these three examples. Canceling my membership without my consent is just the latest instance of this abuse. It is also a violation of civil law, as they can not unilaterally cancel a contract. Please enforce that contract by forcing XXXX to reinstate my membership.

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