Dear Madam/Sir, I had been a Citibank Banking customer since XXXX. I had been a Citicard Mastercard and Visa customer since XXXX. By the end of XXXX, the relationship ended. 

My complaint centers on the fact that Citicard Mastercard XXXX Account # ******************* ) and Visa ( Account # ******************* ) cancelled my cards in XXXX XXXX soon after I had made a paid in full payment of {$24000.00} to Citicard Mastercard and a full payment of {$12000.00} to Citicard Visa. XXXX cards had been in arrears off and on for about one and a half years due to my unemployment status. I made sporadic payments over this time period but in the end I paid all monies due Citicard which included late fees and 15 % interest. 

I was never notified that Citicard cancelled both the Mastercard and Visa. I discovered this in XXXX XXXX when I tried to use the XXXX Citicard " thank you '' points I had earned over time. A Citicard manager ( XXXX XXXX XXXX XXXX XXXX ) informed me that my credit card accounts had been closed by Citicard and since they were closed I forfeited all of my points ( approx. value {$3200.00} XXXX. 

I certainly understand Citicards ' right to cancel my credit cards but I take exception to not honoring the Citicard " Thank You '' points I had earned. 

I am enclosing a Citicard statement from XXXX XXXX that shows my points. I can not show a more recent statement as Citicard has locked me out of my online account. 

I request that you investigate this matter and hopefully restore my points. I will use the points ' immediately to end my relationship with Citicard. 

Thank you for your consideration. 

Best, XXXX 
