Credit card -- Closing your account -- Complaint #18049451
Complaint Overview
Complaint ID: 18049451
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: 02368
Date Received: 2025-12-01T12:00:00-05:00
Date Sent to Company: 2025-12-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Credit Card Account Closed Without Required Notice Violation of ECOA/FCRA I am filing a complaint because my credit card account with [ Credit Union Name ] was closed without any written notice, adverse action notice, or communication from the creditor. I only discovered the closure when I attempted to use the card in-store. This is a violation of the Equal Credit Opportunity Act ( ECOA ) and Regulation B, which requires creditors to send an adverse action notice when they close an account based on credit or income factors. I never received any letter, email, or written notification. As a result of the unexpected closure, the account was reported to credit bureaus as closed by creditor, which has damaged my credit standing. I am currently experiencing temporary financial hardship due to issues related to my XXXX status, which has limited my ability to secure employment. I had no opportunity to request a hardship program or payment plan before the account was terminated. Requested Resolution : 1. Require the credit union to provide the missing adverse action notice. 2. Correct the credit reporting and remove any negative or inaccurate information. 3. Reopen or reconsider reinstatement of my account. 4. Ensure compliance with ECOA and FCRA notification requirements. Thank you for assisting with this matter.
Frequently Asked Questions
What is Complaint #18049451 about?
Complaint #18049451 was filed against Citibank, N.A. regarding Credit card specifically about Closing your account. It was received by the CFPB on 2025-12-01T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with non-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.