Credit card or prepaid card -- Closing your account -- Complaint #6758001
Complaint Overview
Complaint ID: 6758001
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: West Virginia
ZIP Code: 254XX
Date Received: 2023-03-27T12:00:00-05:00
Date Sent to Company: 2023-03-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I closed my Citibank credit card in XX/XX/XXXX. Yet I began receiving emails about account activity as if the card were open in XX/XX/XXXX, saying there was an unpaid balance and late payment fees. At first I thought the emails were from scammers because they reported that my closed account was in collections. But then the offshore collections department mentioned a XX/XX/XXXX rental car payment of about {$100.00} that Citibank had made on my behalf, even though my account had been closed for 10 months. Afterward, I called Citibank several times to rectify and kept getting bounced around to different departments. At one point a woman insisted that I pay a {$90.00} penalty fee to close the issue. I refused and drove out of state to visit a Citibank branch in person for help. The branch manager assisted me in opening a dispute for the {$100.00} charge. but in the meantime, Citibank sent a negative report to credit bureaus and my score plummeted from the mid-800s to the low 700s. I've maintained excellent credit for decades and desire that Citibank provide a corrected update to the credit bureaus to restore my credit to its former standing.
Frequently Asked Questions
What is Complaint #6758001 about?
Complaint #6758001 was filed against Citibank, N.A. regarding Credit card or prepaid card specifically about Closing your account. It was received by the CFPB on 2023-03-27T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with explanation". 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.