Credit card -- Closing your account -- Complaint #17979517
Complaint Overview
Complaint ID: 17979517
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: California
ZIP Code: 902XX
Date Received: 2025-11-20T12:00:00-05:00
Date Sent to Company: 2025-11-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I applied for and was instantly approved for a Citi XXXX XXXX Credit Card with a {$20000.00} credit limit. Shortly after receiving the physical card, the account was immediately restricted, and Citi Bank requested an IRS 4506-C form ( Request for Transcript of Tax Return ) to verify income. I promptly complied with this request, sending the form multiple times as requested. I also called Citi Bank Customer Service to confirm receipt and was advised to simply wait for the review process to complete. Approximately ten days ago, I received a letter stating that Citi Bank had unilaterally closed the account. This closure was executed after I provided the requested documentation and while the account was restricted. The initial approval, subsequent restriction, and final closure have resulted in an unfair and negative impact on my credit history.
Frequently Asked Questions
What is Complaint #17979517 about?
Complaint #17979517 was filed against Citibank, N.A. regarding Credit card specifically about Closing your account. It was received by the CFPB on 2025-11-20T12:00:00-05:00.
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.