Strange Situation with Citi card

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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Lori48
 
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Strange Situation with Citi card

Postby Lori48 » Thu Sep 03, 2015 9:10 pm

I have been regularly making payments on a City Preferred Thank you card for over a year after doing a balance transfer. Although I have a lot of credit on it (or so I thought) I haven't used the card and have it put away. Today when making an online payment I noticed that it showed no available credit. I hadn't noticed that before because I was on auto pay and pretty much just checked that the payments posted. Today I decided to pull up the last statement and it showed all of the available credit I originally thought I had. I called Citibank and they told me there was no credit available because the account had been closed in Feb of 2014 due to suspected fraud on the card. Online it still shows as an active card and it accepts my payments with no issues. I told them I was never notified of the account being closed. They said I should have been received an email and or letter to that affect which I did not. In essence they closed the account right after I did the balance transfer. I am just surprised that the online website still shows active. In the past I hade had a card closed and a new account issued and when I try to access that account it says "THIS ACCOUNT HAS BEEN CLOSED AND NO LONGER AVAILABLE TO YOU." That is what I would expect the Citi card website to read.
They told me they would send a letter explaining the fraud suspicion but in the meantime I was wondering if anyone had anything like this happen or any ideas why it still shows as an active account? Also, I pulled up my credit reports to see if that would offer any explanation and that card is not showing on any of the reports...???
Thanks in advance!


rockyrock
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Re: Strange Situation with Citi card

Postby rockyrock » Fri Sep 04, 2015 8:35 am

Welcome to the forum.

I haven't heard of that before. I have heard of issuers taking action on an account and not notifying you. They are supposed to notify you if they close it or make changes so you have the option to close it if you don't like the terms.

When you say it isn't showing on your credit report, are you saying there is no sign whatsoever that the account ever existed? Including the balance?

Please keep us posted on the outcome.
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whit
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Re: Strange Situation with Citi card

Postby whit » Sun Sep 06, 2015 3:03 pm

Lori48 wrote:I have been regularly making payments on a City Preferred Thank you card for over a year after doing a balance transfer. Although I have a lot of credit on it (or so I thought) I haven't used the card and have it put away. Today when making an online payment I noticed that it showed no available credit. I hadn't noticed that before because I was on auto pay and pretty much just checked that the payments posted. Today I decided to pull up the last statement and it showed all of the available credit I originally thought I had. I called Citibank and they told me there was no credit available because the account had been closed in Feb of 2014 due to suspected fraud on the card. Online it still shows as an active card and it accepts my payments with no issues. I told them I was never notified of the account being closed. They said I should have been received an email and or letter to that affect which I did not. In essence they closed the account right after I did the balance transfer. I am just surprised that the online website still shows active. In the past I hade had a card closed and a new account issued and when I try to access that account it says "THIS ACCOUNT HAS BEEN CLOSED AND NO LONGER AVAILABLE TO YOU." That is what I would expect the Citi card website to read.
They told me they would send a letter explaining the fraud suspicion but in the meantime I was wondering if anyone had anything like this happen or any ideas why it still shows as an active account? Also, I pulled up my credit reports to see if that would offer any explanation and that card is not showing on any of the reports...???
Thanks in advance!


You did a balance transfer into the citi account correct? Just wondering on that aspect..

I can answer a few Qs on my own experience. When I had lost a card they replaced it with a new #, it was still showing on my online profile alongside the new # and it doesn't say closed. It actually for a while, said I had 0 balance on a xx,xxx CL.

And than I had my own card above that said I used xxx of xx,xxx. I'm sure in small print, red, or both or maybe it doesn't..I don't know because I tend not to read small details on stuff like that..but somewhere maybe it said closed? Not sure. But I knew the account was closed because the card # has been canceled but it still said I had the full available limit on that particular set of cc# :p

Quite a few lenders, most notorious from what I read, chase and Amex, refuses to do business as is "their right" literally have heard them say that.

I was helping a customer who I know has good balances at one of those lenders but all of a sudden, all their accounts were shut down and once chased by bankers to do private banking--are now shunned by that institution and no longer wants to have any business was with this couple.

I was curious so I googled their name--turns out they're currently under investigation by a government sector. So yeah.

I'm not saying it's the same, but that institution and usually chase and Amex, wouldn't say why they no longer what your business or why your accounts closed.

So if citi closed it due to fraud, they're telling you..certainly interesting. Also interesting they won't transfer you to a department that can better handle the nature of your call instead, falling back on the default of "a letter will be sent" and I'm sure it will but be as vague and concise as a ivy lawyer could be.

It's also interesting that if they closed your account due to fraud (as they have done to mine after information has been stolen) that they wouldn't give you another number.

I am very sorry that happened to you, I know I would be pissed.

I also think that right now you don't see the account on your report because it was closed shortly after the transfer so maybe something transpired there.

However, if you saw your full balance available prior statement the rep probably didn't have all the answers in their hands so your account could have had the closure fully done recently (maybe coinciding with the full pay off of the BT?) and right now it's in the weird limbo of going from an account that's active (than off your report) to transfer to an account that's closed by lender?

Also, when you received your card, did you ever call in to activate it?

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CarefulBuilder14
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Re: Strange Situation with Citi card

Postby CarefulBuilder14 » Sun Sep 06, 2015 6:04 pm

It's hearing stories like this (and the prospect of another transferable rewards currency) that keep me from getting a Prestige.

I agree that Amex and Chase do balance-chase financially risky customers, and Chase does have a history of shunning customers for nonsensical "moral reasons". But I don't see anything in the OP's background (so far) to suggest this. This sounds like a case of just plain incompetence by Citi.
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Kevin86475391
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Re: Strange Situation with Citi card

Postby Kevin86475391 » Tue Sep 08, 2015 5:23 pm

So just to be absolutely clear, they definitely didn't give you a new account when they closed the old one? And you explicitly asked that? (LOL, because really don't count on them being logical and helpful enough to tell you.)

I do business with Citi, Discover, Chase, BofA, and a few several others, and in all honesty while I think my Citi card itself is just great...Citi has the worst website and customer service of the bunch. Several months ago I also had an issue with fraud on my Citi account and it was closed and I was issued a new one. However, the old one is still sitting there below my active one and giving no indication whatsoever of being closed. I don't know why it's still there, when it might disappear, or why on earth it wouldn't have a big CLOSED on it somewhere, but it's still there and if I didn't know it was closed, I wouldn't know it was closed.

Have you checked your charges? Were you charged for any fraudulent transactions? I didn't have any trouble actually getting reimbursed for the ones on my account, but I did find their notation system a bit more confusing than my other lenders (LOL, I've had fraud on all my accounts at least once :confused: ). Anyway, to me the strange thing here is that you weren't notified - is there any chance you might have missed the letter, or did you move recently or anything like that? - and also that you weren't simply assigned a new account. I'd call back and ask about that for sure.

It certainly is an odd way of doing things that your old account (and mine and Whit's) wasn't labelled as closed in some way, but that really is completely consistent with how Citi does things for some reason. It's the lack of new account and notification that's fishy.



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