Credit card or prepaid card -- Closing your account -- Complaint #5068856
Complaint Overview
Complaint ID: 5068856
Company: Citibank, N.A.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Can't close your account
State: North Carolina
ZIP Code: 27703
Date Received: 2022-01-04T12:00:00-05:00
Date Sent to Company: 2022-01-04T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had originally opened a credit card with Citi ( CitiBusiness Platinum Select ). Around XXXX XXXX XX/XX/2021 I had closed my account. In XX/XX/2021 I received a letter in the mail stating that my account had a balance and was going to be sent to collections. I then called again on XX/XX/XXXX and they refused to acknowledge that I had closed the account, claiming that the bank closed it. They also informed me that the resulting balance was from the annual fee + interest + fees all due to that annual fee. There was Zero balance from charges I made. As I had already closed the account before the annually fee, it should not have a balance. I was told to give them XXXX business days when I called on XX/XX/XXXX. I called again on XX/XX/XXXX and was told to give them XXXX business days. I called again on XX/XX/XXXX and XX/XX/XXXX, and each time I'm told to give them XXXX business days. On XX/XX/XXXX I was also told that if I don't pay the current balance of almost {$300.00} by the XXXX I would incur additional fees... all because they refused to close my account when I originally requested. The annual fee is {$99.00}, for it to incur 200 % in fees and interest for an account I had closed is predatory.
Frequently Asked Questions
What is Complaint #5068856 about?
Complaint #5068856 was filed against Citibank, N.A. regarding Credit card or prepaid card specifically about Closing your account. It was received by the CFPB on 2022-01-04T12:00:00-05:00.
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.