Credit card -- Closing your account -- Complaint #13671816
Complaint Overview
Complaint ID: 13671816
Company: Citibank, N.A.
Product: Credit card
Sub-Product: Store credit card
Issue: Closing your account
Sub-Issue: Company closed your account
State: Massachusetts
ZIP Code: 01545
Date Received: 2025-05-22T12:00:00-05:00
Date Sent to Company: 2025-05-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Complaint Regarding Unjustified Account Closure XXXX XXXX XXXX/Consumer, Best Buy and Wayfair Citi Retail\nDear Consumer Financial Protection Bureau,\n\nI am writing to formally lodge a complaint regarding the unexpected closure of my Citi Reatil account (XXXX XXXX XXXX/Consumer, Best Buy and Citi Retail), issued by Citibank, N.A. On XXXX XXXX XXXX I received a letter from Citi Retail Security Operations stating that my account had been closed as of XXXX XXXX XXXX due to a security investigation.\n\nI believe this closure was unjustified and poorly communicated for the following reasons:\n- I was given no prior notice or opportunity to address any security concerns before the account closure.\n- I was not provided specific details regarding the nature of the security investigation or any potential fraudulent activity.\n- The decision to close my account appears arbitrary, and I was not given a chance to dispute or resolve any issues before this action.\n\nDespite this, I am still responsible for repayment of the outstanding balance, and no clear instructions were given on how to proceed. This abrupt closure has caused unnecessary inconvenience and negatively impacted my financial standing.\n\nI respectfully request the CFPB to review this matter and require financial institutions to provide transparency, proper communication, and fair procedures when closing consumer accounts due to security concerns. Additionally, I seek assistance in understanding the reason behind this closure and determining if any corrective action can be taken.\nI have attached the letter I received from Citi Retail Security Operations for reference. Please let me know if additional information is required.\nThank you for your time and assistance. I appreciate your consideration of my complaintXXXX XXXX
Frequently Asked Questions
What is Complaint #13671816 about?
Complaint #13671816 was filed against Citibank, N.A. regarding Credit card specifically about Closing your account. It was received by the CFPB on 2025-05-22T12:00:00-05:00.
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.