Credit card -- Closing your account -- Complaint #10736496
Complaint Overview
Complaint ID: 10736496
Company: Citibank, N.A.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Company closed your account
State: Maryland
ZIP Code: 21209
Date Received: 2024-11-06T12:00:00-05:00
Date Sent to Company: 2024-11-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This case will open again with a new complaint because the company hasn't answered my questions. 1. To resolve my first complaint ( submitted on XXXX XXXX, 2024 ), I called the company. A representative ( a woman ) shouted at me with such brazen words : " I won't answer your questions. Instead, you should answer my questions only with a 'yes ' or 'no '. '' Such a manner demonstrated no respect for customers. She should understand that their customers have the same human dignity and honor as she has. Her ignorant, rude, and unprofessional attitude towards me is unacceptable. I charge this conduct. The company should not hide this issue and must answer my charges. 2. The company shifted the central issue in the written response. It's about closing my account. Rather than answering, they talked about fees and interest rates. A response such as this shows they are insincere, unethical, unprofessional, incompetent, mindless, or utterly idiotic. In such a manner, they demonstrate disrespect not only for me but also for the Consumer Protection Bureau. This disrespectful behavior needs to be held accountable. This company should answer this matter -- why did you shift the issue? 3. They stated in their written response to my second complaint ( submitted on XX/XX/year> ) that they were allowed to do whatever they wanted by law even with no reason. As I stated, they abuse the laws, and they have no reason to close my account. I requested to see the third party. I want to be clear about my point. It is the company, not me, who gets approval from a third party regarding their conduct as such, and shows it to me. 4. It is usual practice that once an account is closed, the balance should remain at the same level as the closing date without adding interest and fees. However, the company deliberately abuses me by imposing more fees and interest. This balance won't be paid until this dispute settles. 5. The company has demonstrated its rude manners to customers, its incompetence to focus on the issue, and its abuse of the law and customers. Now is the time for them to answer my complaint point by point ( as listed in XXXX points above ) with sincerity and honesty, with which both sides may reach an agreement. I have spent my time offering free education for this company on how to respect their customers, and how to answer their customers ' complaint point by point, etc. Which side is right, let the public determine it.
Frequently Asked Questions
What is Complaint #10736496 about?
Complaint #10736496 was filed against Citibank, N.A. regarding Credit card specifically about Closing your account. It was received by the CFPB on 2024-11-06T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Citibank, N.A.?
Yes, visit the Citibank, N.A. company profile at readthecomplaint.com/company/citibank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.