Citibank Credit Card Complaint

Citibank Credit card department,

Other fee Oklahoma

I hold a Citibank Access More Card, and I have been an inactive customer, not having used my card for several months. Due to family medical reasons, I relocated to - permanently from the US in -/-/2016. Approximately in -/-/-/-/-/2016, I logged in online to close my Access More credit card account since I was no longer in the country. I noticed that Citibank Access More Card had assessed me an annual fee in -. I called the bank and requested them to cancel the card, which they did. I have recently checked my Citibank credit card accounts again, and to my horror, have noticed that Access More card is reporting me as being delinquent on my credit card account ( 72 days delinquent ), because of annual fee not being paid!! When I called in, a customer care representative explained that because I had not asked for the card to be canceled within 30 days after the - was assessed, they could not undo the " full '' - before canceling the card, and hence a partial amount remained on the card, and my account went into delinquency!! This aspect / possibility was not at all explained to me


card properly, and the last thing I expect is delinquency notices from an account that I believed I closed properly. To add insult to injury, as I was trying to fix this issue, the customer representative offered to put me through to Collections department. It is utterly irresponsible, and exploitative, and predatory, on the part of Citibank to assess Annual fees on inactive accounts, and based on a technicality, to push an inactive account into delinquency!! Such practices should be banned, and employees who dream up such " Gotcha '' moves should be sent to jail for the anguish they cause customers. I request CFPB to order Citibank to restore me to " current '' status, and close out my account properly, without any delinquency flags which will impact my credit record adversely. Thank you.