Credit card or prepaid card -- Getting a credit card -- Complaint #4508469
Complaint Overview
Complaint ID: 4508469
Company: Citibank, N.A.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Problem getting a working replacement card
State: Texas
ZIP Code: XXXXX
Date Received: 2021-07-01T12:00:00-05:00
Date Sent to Company: 2021-07-01T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
My Citibank AAdvantage credit card was cancelled by Citibank in XX/XX/XXXX, for the stated reason : " Canceled at Customer Request ''. I made no such request, and I only became aware of this through my credit report. The card had been active since XXXX and the payment record was excellent. Due to mail forwarding to my temporary address, a replacement card was not be delivered. I initiated a request in late XXXX or in XX/XX/XXXX for another replacement card to be mailed to the correct address. It also never arrived. The only activity on the card over the last year+ ( due to my inability to receive a valid replacement card ), was the {$50.00} annual fee, which I last remitted in XX/XX/XXXX. I filed a dispute with a credit reporting agency concerning this. It was " resolved '', merely restating the account was closed at customer request. Today, XX/XX/XXXX, I contacted Citibank for resolution. That was unsuccessful. I was informed that their " system '' would not allow them to reopen the account, and that I could apply for a new card. This seems grossly unfair to me for four reasons. First, I never received a valid replacement card despite my request for such, and their assurance I would receive it. Second, the status of the account, i.e. " Canceled at Customer Request '', is inaccurate. I never made such a request. Third, XXXX month after they canceled my account, I received notice that my annual fee was due, causing me to pay an annual fee for a card I was unable to use for more than a year ( their inability to provide a valid replacement card ), and which had already been canceled without my knowledge a month prior to paying the annual fee. Fourth, opening a new account, as the representative suggested, would mean the loss of over 20 years of credit history for this card.
Frequently Asked Questions
What is Complaint #4508469 about?
Complaint #4508469 was filed against Citibank, N.A. regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2021-07-01T12:00:00-05:00.
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 or prepaid 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.