Credit card or prepaid card -- Closing your account -- Complaint #6226390
Complaint Overview
Complaint ID: 6226390
Company: Citibank, N.A.
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Closing your account
Sub-Issue: Can't close your account
State: Indiana
ZIP Code: 47630
Date Received: 2022-11-20T12:00:00-05:00
Date Sent to Company: 2022-11-20T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been trying to close this credit card account for 2 years. In XXXX I opened a Best Buy credit card account for an XXXX computer. I paid it off completely and closed the account out in XXXX. The account was completely closed in XXXX. Surprisingly, In XXXX I was charged an annual fee for the credit card account. I called Citibank in XXXX and told them that I had closed the account the previous year, so they waived the annual fee and late fees and told me that I would not have this problem again. Now in XXXX, they are trying to charge me an annual fee AND late fees AGAIN for a card that I closed completely 2 years ago, in XXXX. Every single time I try to call Citibank to see what's going on, I get somebody on the line that doesn't speak XXXX clearly and I can not understand. I am consistently transferred to somebody new that I have to explain the entire problem to from the beginning again. I've spent several hours on the phone being transferred around, several times, only to repeat myself over and over. Every time I ask anybody for their extension number or company ID, they either hang up on me or try to tell me that there is no such thing as an extension number or company ID at Citibank. I figured out I could have my call transferred to somebody " stateside '' in the USA, that's when I connected with XXXX ( Company ID # : XXXX ) She was the first person to be able to actually help me. She told me there must be a glitch in the system that keeps charging me an annual fee even though my account is closed. She transferred me to somebody that spoke clearly and was able to waive ALL of my account fees. Now only one month later, they are charging me an annual fee, and several more late fees. All I want to do is close the account completely and be left alone. This has lowered my credit score and caused me hours of headache. Please help me get this credit card closed completely because I can not deal with Citibank anymore.
Frequently Asked Questions
What is Complaint #6226390 about?
Complaint #6226390 was filed against Citibank, N.A. regarding Credit card or prepaid card specifically about Closing your account. It was received by the CFPB on 2022-11-20T12:00:00-05:00.
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.