In XX/XX/XXXX, I got a letter that Citibank was closing all of my credit card accounts with no notice or reason given beyond that it is their right to close an account at any time they choose ( copy attached ). However, I believe that this kind of adverse action requires that an adverse action notice be provided under the Equal Credit Opportunity Act and the Fair Credit Reporting Act but was not given. While I asked for a reconsideration, without knowing the reason for the closing, I could not effectively argue that the closing was unfair and unwarranted. 
The bank was also unfair when they refused to give the rewards that were earned in the month that the account was closed. I made charges and paid the full amount owed before the account was closed. When I opened the Citi Double Cash, I was promised XXXX % on purchase and XXXX % on payment of the charges. I made {$10000.00} in charges and paid it before the account was closed but Citi refuses to pay the {$200.00} benefit. On the AT & T card, I made {$3900.00} in net charges that were paid before the account closed but Citibank refuses to pay the triple benefit for online purchases that are worth a {$110.00} statement credit. While I 'm not a lawyer, this feels like unfair enrichment and promissory estoppel. I did my part of the bargain but the bank refuses to do theirs. 
The final unfair practice that I experienced in the closure is that Citibank says that they can keep the full annual fee for the full year membership even though they decided to close the account before the full year. The Credit Card Accountability Disclosure Act says that the company needs to disclose the annual fee but the fee can be for far less than a full year if the bank closes the account. I believe that I should get the pro-rated annual fee refund that was denied. 
Thank you, in advance for your help with this matter. 
