Citi shutdown and revoked points

[solmeir]

My wife's Citi Credit cards were recently shutdown and the points were revoked. I opened a complaint on CFBP and got the following response from Citi Executive Response Unit.
"During a recent review of your account ending in ****,we observed frequent purchases and multiple payments that are inconsistent with typical use. Asa result, your account ending in ****, was closed on July 30,2024.
Regarding the points: As disclosed in the ThankYouŽ Rewards Terms and conditions, which are available at www.thankyou.com,if we close your accounts for any reason other than inactivity, you will lose your ThankYouŽ Rewards immediately, unless prohibited by law. As such, your ***,*** ThankYouŽ Rewards were forfeit when your accounts were closed. We respectfully decline to reinstate the account or the ThankYouŽ Rewards."

I tried to resubmit a new claim that in NYS it's illegal to revoke points, however it flagged it as duplicate. When I called CERU by phone they refused to accept it. Does anyone have any DP of someone who had such a story and was successful? Any advise?

[UKinNYS]

what was the activity they flagged?

[Dan]

Go to small claims?

[solmeir]

what was the activity they flagged?

They wouldn't say

[solmeir]

Go to small claims?

What would I sue for? 1 cent per point, 2 cent?
The potential value on EVA is much more.

[Dan]

What would I sue for? 1 cent per point, 2 cent?
The potential value on EVA is much more.

@AJK

[AJK]

1 cpp is probably best you can hope for.

Open complaint with these guys if you're in NY, which you implied you were:

https://dos.ny.gov/consumer-protection

[solmeir]

I just got an email from Citi.
"We regret to hear of your dissatisfaction; however, our resolution remains unchanged. As explained in our
attached prior letter dated August 21, 2024, and during our telephone conversation on August 27, 2024, we
respectfully decline to reinstate your ***,*** ThankYouŽ Rewards. As explained in the ThankYouŽ Rewards
Terms and Conditions, which are available at www.thankyou.com, if we close your accounts for any reason
other than inactivity, you will lose your ThankYouŽ Rewards immediately. Additionally, Citibank. N.A. complies
with all applicable laws, rules, and regulations, as advised in the Card Agreement for each account. You can
obtain a copy of your Card Agreements online at www.citicards.com. The Card Agreements disclose that
Federal law and the law of South Dakota govern the terms and enforcement of the agreements for each
account. As such, we respectfully decline to reinstate the forfeit ThankYouŽ Rewards.

I will try consumer complaint and see where that goes.

[mochjas]

They wouldn't say

You have no idea what it was that caused the shut down?

[solmeir]

You have no idea what it was that caused the shut down?

The only thing that could be is churning credit line in June or maxing out the credit line in July. But I paid everything in full with no other issues

[Euclid]

The only thing that could be is churning credit line in June or maxing out the credit line in July. But I paid everything in full with no other issues

Cycling is a known trigger for citi

[solmeir]

Cycling is a known trigger for citi

However in NYS only fraud gives right to revoke points

[solmeir]

1 cpp is probably best you can hope for.

Open complaint with these guys if you're in NY, which you implied you were:

https://dos.ny.gov/consumer-protection

Filed a claim with them yesterday. Got an answer today that since it was filed already with CFPB they won't take any action.
I guess next step is small claims court...

[AJK]

Filed a claim with them yesterday. Got an answer today that since it was filed already with CFPB they won't take any action.
I guess next step is small claims court...

I don't know if you can respond or not, but if you can you should politely explain that as the New York agency tasked with enforcing NY law, they have a unique prerogative and incentive to look at this case again.

[solmeir]

I don't know if you can respond or not, but if you can you should politely explain that as the New York agency tasked with enforcing NY law, they have a unique prerogative and incentive to look at this case again.

Thanks for the idea, they referred me to the Attorney Generals office. Let's see....

[hello202]

I had capital one shut down my 4 accounts recently without any reason (probably from cycling credit and large BG purchases in 2023) they refunded all my points except my venture x points they only valued as .5 cpp for a statement credit. Was a bit over a million points so they gave me back a bit over 5k. I complained to CFPB and DCP, was kind of worthless though. I'm going to take them to small court when I have some time to sit down and figure out the process