Credit card -- Fees or interest -- Complaint #18040080
Complaint Overview
Complaint ID: 18040080
Company: Citibank, N.A.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: New York
ZIP Code: 11101
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2025-11-30T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I held two Citi XXXX XXXX credit cards, both opened in XX/XX/year>. Each account was charged a {$590.00} annual fee at opening. On XX/XX/year>, Citi closed both accounts without any prior notice or clear explanation. I contacted Citi customer service and was told that no refund of the annual fees would be provided, even though the accounts were open for less than three months. This means Citi has retained nearly {$1200.00} in annual fees for accounts that are now terminated and can not be used, providing me with no value for the remaining nine months of the fee period. In addition, one of the closed cards ending in XXXX included a {$200.00} XXXX XXXX benefit that could be used for eligible purchases such as Best Buy. I made a qualifying Best Buy purchase on XX/XX/year> XXXX day before the account was closed but the {$200.00} credit was never applied. I understand that Citi may choose to close my accounts, but it is unfair and unreasonable to ( 1 ) keep a full years annual fee when the account was active for only about two months, and ( 2 ) deny a benefit that I rightfully earned through a purchase made before closure. Citi representatives have been dismissive and unwilling to offer any explanation or refund. I am submitting this complaint because I believe Citis actions are inconsistent with fair billing practices and good-faith consumer treatment.
Frequently Asked Questions
What is Complaint #18040080 about?
Complaint #18040080 was filed against Citibank, N.A. regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-11-30T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with monetary relief". 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.