I have a credit card account that I use for big purchases and I have n't needed it for about XXXX years. I received a letter from Citi on XXXX/XXXX/15 stating that my account was closed due to inactivity. I promptly called Citi on XXXX/XXXX/15 and questioned why this was done and that I wanted my account to remain open. The representative stated that after XXXX months of inactivity that a program goes through and closes accounts. To reopen my account they would need to pull my credit report. I received no prior warnings that allowed me to take action before the account was closed nor is there anything in my online agreement that states after XXXX months of inactivity my account would be closed. I asked to speak to a manager and she was just as unhelpful and reiterated that there was nothing they could do but formally request the account to be reopened and that would require pulling my credit report. 
