{"took":84,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":7315,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10906528","_score":14.858511,"_source":{"product":"Credit card","complaint_what_happened":"Capital One 's website XXXX XXXX XXXXXXXX says I should be able to follow these instructions : \" Sign in to your online account, and select the card you want to close. Click on the I want to button and find Close Account under the \" Control Your Card '' section. From here, you'll be guided through how to close your credit card account. '' However, there is no \" close account '' option in that menu ( see screenshot ). \nThe chatbot is no help. \nI've looked thoroughly & don't find an email address for support. There is only a phone number, meaning I know this will be a one-hour endeavor, during a workday likely, to close my credit card. \nCapital One should make the \" Close Account '' button active/available/visible.","date_sent_to_company":"2024-11-24T16:39:42.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"98226","tags":null,"has_narrative":true,"complaint_id":"10906528","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-11-24T16:30:32.000Z","state":"WA","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["Capital One 's website XXXX XXXX XXXXXXXX says I should be able to follow these instructions : \" Sign in to <em>your</em> online <em>account</em>, and select the <em>card</em> you want to <em>close</em>. Click on the I want to button and find <em>Close</em> <em>Account</em> under the \" Control <em>Your</em> <em>Card</em> '' section. From here, you'll be guided through how to <em>close</em> <em>your</em> <em>credit</em> <em>card</em> <em>account</em>. '' However, there is no \" <em>close</em> <em>account</em> '' option in that menu ( see screenshot ). \nThe chatbot is no help."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Closing</em> <em>your</em> <em>account</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Can't <em>close</em> <em>your</em> <em>account</em>"]},"sort":[14.858511,"10906528"]},{"_index":"complaint-public-v1","_id":"11362384","_score":14.811472,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, I emailed the company requesting that they close my account. I lost my physical card, but also I have no use for the account anymore. On their website, it states if there is no activity for 6 months, they will close the account -- I have not charged the card since XXXX but my account stayed open all of XXXX and then in XX/XX/XXXX they charged me the annual membership fee, which I paid off. I've tried to call the number on the credit card agreement to close the account but the automation does not route me to talk to a human. \n\nThe credit card agreement pdf available on their website says : \" Section 35. Closing or Suspending Your Account.\n\nYou may contact us at XXXX to ask us to close your Account. \nWe may close or suspend your Account at any time and for any reason permitted by law, even if you are not in default. \nIf your Account is closed or suspended by either you or us for any reason, you must stop using your Card. If we close or permanently suspend your Account, you must return or destroy all Cards. You must still pay us all amounts you owe on the Account, including any amounts that post to your Account after it is closed or suspended. '' This is the number that I called, in the credit card agreement. \n\nI will send them another email on Monday, XX/XX/XXXX requesting closure of my account again, and will attempt calling again. My account has no balance/no payments due. I will send the email to : XXXX and XXXX XXXX","date_sent_to_company":"2025-01-04T05:39:49.000Z","issue":"Closing your account","sub_product":"Store credit card","zip_code":"21223","tags":null,"has_narrative":true,"complaint_id":"11362384","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DigniFi","date_received":"2025-01-04T05:29:09.000Z","state":"MD","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["I've tried to call the number on the <em>credit</em> <em>card</em> agreement to <em>close</em> the <em>account</em> but the automation does not route me to talk to a human. \n\nThe <em>credit</em> <em>card</em> agreement pdf available on their website says : \" Section 35. <em>Closing</em> or Suspending <em>Your</em> <em>Account</em>.\n\nYou may contact us at XXXX to ask us to <em>close</em> <em>your</em> <em>Account</em>. \nWe may <em>close</em> or suspend <em>your</em> <em>Account</em> at any time and for any reason permitted by law, even if you are not in default."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Closing</em> <em>your</em> <em>account</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["Can't <em>close</em> <em>your</em> <em>account</em>"]},"sort":[14.811472,"11362384"]},{"_index":"complaint-public-v1","_id":"8091114","_score":14.7118,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I opened an account with the CASH APP application and now want to close the account. When I try to close it, they send a QR code that you have to use but all it does is make you confirm a code and then sign up for Cash app again. They don't have a valid way to really close your account. The QR code leads you to add your debit card and it is like having to sign up all over again instead of a valid way to close the account. I DID remove my debit card and credit card accounts from the card but want to completely remove the card and close it with all my identifying information. My Spouse wants to close his account too ... My complaint is that CASH APP is making it very difficult for consumers to close their account and remove their information.","date_sent_to_company":"2024-01-02T13:16:30.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"283XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"8091114","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2024-01-02T13:03:58.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I DID remove my debit <em>card</em> and <em>credit</em> <em>card</em> <em>accounts</em> from the <em>card</em> but want to completely remove the <em>card</em> and <em>close</em> it with all my identifying information. My Spouse wants to <em>close</em> his <em>account</em> too ... My complaint is that CASH APP is making it very difficult for consumers to <em>close</em> their <em>account</em> and remove their information."]},"sort":[14.7118,"8091114"]},{"_index":"complaint-public-v1","_id":"20913006","_score":14.432857,"_source":{"product":"Credit card","complaint_what_happened":"Dear CFPB officer, The thing was whom opened up the Citibank account of credit card as using my SSN information to apply for this credit card, as I didnt have applied for. Now I have summited my request to the Citibank credit card company to close the account, also I am not able to get this physical card to closing my credit card account.please assist me to close this credit card account.thank you very much and please close my credit card account of Citibank credit cards as soon as possible.thank you for your help.","date_sent_to_company":"2026-04-24T13:23:32.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"85023","tags":null,"has_narrative":true,"complaint_id":"20913006","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-04-03T07:54:40.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["Now I have summited my request to the Citibank <em>credit</em> <em>card</em> company to <em>close</em> the <em>account</em>, also I am not able to get this physical <em>card</em> to <em>closing</em> my <em>credit</em> <em>card</em> <em>account</em>.please assist me to <em>close</em> this <em>credit</em> <em>card</em> <em>account</em>.thank you very much and please <em>close</em> my <em>credit</em> <em>card</em> <em>account</em> of Citibank <em>credit</em> cards as soon as possible.thank you for <em>your</em> help."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Closing</em> <em>your</em> <em>account</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Can't <em>close</em> <em>your</em> <em>account</em>"]},"sort":[14.432857,"20913006"]},{"_index":"complaint-public-v1","_id":"3806758","_score":14.4161215,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"When Credit grantors decide to close your account because you dont owe them anything, you havent used the account In quite some time, you were never late, they close it and closed accounts negatively affect your credit.\n\nWhen you lose a debit, or credit Card the banks close that account so your credit report shows closed accounts which is negative, they will send you a new card but closing that account is harsh on your credit When you no longer owe on a. Who le and they close your account, thats negative. I had a car, it was totaled, I had gal insurance which paid the credit union to satisfy the loan, so loan was satisfied 100 %, never a pete payment, they closed the account which has negative impact on credit Closed accounts severely damage your credit score AND they diminish your credit history even though you were perfect!! Paid on time always never late so we are punished for paying off our debt","date_sent_to_company":"2020-08-20T07:41:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32504","tags":null,"has_narrative":true,"complaint_id":"3806758","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2020-08-20T07:41:26.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["When <em>Credit</em> grantors decide to <em>close</em> <em>your</em> <em>account</em> because you dont owe them anything, you havent used the <em>account</em> In quite some time, you were never late, they <em>close</em> it and closed <em>accounts</em> negatively affect <em>your</em> <em>credit</em>.\n\nWhen you lose a debit, or <em>credit</em> <em>Card</em> the banks <em>close</em> that <em>account</em> so <em>your</em> <em>credit</em> report shows closed <em>accounts</em> which is negative, they will send you a new <em>card</em> but <em>closing</em> that <em>account</em> is harsh on <em>your</em> <em>credit</em> When you no longer owe on a."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.4161215,"3806758"]},{"_index":"complaint-public-v1","_id":"3805205","_score":14.408046,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"When Credit grantors decide to close your account because you dont owe them anything, you havent used the account In quite some time, you were never late, they close it and closed accounts negatively affect your credit. \n\nWhen you lose a debit, or credit Card the banks close that account so your credit report shows closed accounts which is negative, they will send you a new card but closing that account is harsh on your credit When you no longer owe on a. Who le and they close your account, thats negative. I had a car, it was totaled, I had gal insurance which paid the credit union to satisfy the loan, so loan was satisfied 100 %, never a pete payment, they closed the account which has negative impact on credit Closed accounts severely damage your credit score AND they diminish your credit history even though you were perfect!! Paid on time always never late so we are punished for paying off our debt","date_sent_to_company":"2020-08-20T07:41:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32504","tags":null,"has_narrative":true,"complaint_id":"3805205","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2020-08-20T07:12:21.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["When <em>Credit</em> grantors decide to <em>close</em> <em>your</em> <em>account</em> because you dont owe them anything, you havent used the <em>account</em> In quite some time, you were never late, they <em>close</em> it and closed <em>accounts</em> negatively affect <em>your</em> <em>credit</em>. \n\nWhen you lose a debit, or <em>credit</em> <em>Card</em> the banks <em>close</em> that <em>account</em> so <em>your</em> <em>credit</em> report shows closed <em>accounts</em> which is negative, they will send you a new <em>card</em> but <em>closing</em> that <em>account</em> is harsh on <em>your</em> <em>credit</em> When you no longer owe on a."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.408046,"3805205"]},{"_index":"complaint-public-v1","_id":"4660536","_score":14.142872,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My TJMaxx Credit Card by Synchrony Bank was closed by the bank because they claimed that I didn't use my card in 12 months. We are in the mist of a global pandemic with stores/businesses being closed down for months to control the spread of the Covid 19 virus and this bank instead of accommodating the current global situation and providing solutions instead penalizes its customers by closing their accounts. When I used this account I paid it in full and have a good credit reporting. There was no reason why they needed to close the account without even previously notifying me that they were contemplating closing my account. When banks close your credit cards that affects your overall credit rating and your ability to obtain credit at a fair interest rate. When they closed my account on XX/XX/2021 my credit rate dropped 33 points. \nTheir policy of 12 months inactivity should have taken into account the global pandemic and the lock-downs for both businesses and consumers. \nIf they felt they needed to close my account for inactivity after that they should have notify me in advance that this was a possibility and given me the fair chance to use my card in order to retain my credit card and not affect/impact my credit ratings.","date_sent_to_company":"2021-08-25T16:33:39.000Z","issue":"Closing your account","sub_product":"Store credit card","zip_code":"33178","tags":null,"has_narrative":true,"complaint_id":"4660536","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2021-08-25T16:23:14.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["There was no reason why they needed to <em>close</em> the <em>account</em> without even previously notifying me that they were contemplating <em>closing</em> my <em>account</em>. When banks <em>close</em> <em>your</em> <em>credit</em> cards that affects <em>your</em> overall <em>credit</em> rating and <em>your</em> ability to obtain <em>credit</em> at a fair interest rate. When they closed my <em>account</em> on XX/XX/2021 my <em>credit</em> rate dropped 33 points. \nTheir policy of 12 months inactivity should have taken into <em>account</em> the global pandemic and the lock-downs for both businesses and consumers."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["<em>Closing</em> <em>your</em> <em>account</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["Company closed <em>your</em> <em>account</em>"]},"sort":[14.142872,"4660536"]},{"_index":"complaint-public-v1","_id":"5881078","_score":14.134895,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Back in XXXX of XXXX the bank had a program that decreases your interest rate so you can pay down your balance on your credit card so I signed on not knowing later the bank will close your card without you knowing so when I found out XXXX XXXX of XXXX that they had closed the credit card In XXXX of XXXX due to a bank evaluation of account in which I dont know they did that after having the credit card for 3yrs and 11 months without a explanation. I was paying the amount that was so plus a little extra and now the credit card is close they still charging me late fees and interest on a close account and taken from my checking account in which I had ask them not too. How can they charge late fees and interest on a closed account that not a fair deal for a Consumer I need help do to that this banking institution is taking advantage of me. Its still showing on my online bank it a open account which is a not correct","date_sent_to_company":"2022-08-15T15:06:39.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"77373","tags":null,"has_narrative":true,"complaint_id":"5881078","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2022-08-15T14:09:58.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Back in XXXX of XXXX the bank had a program that decreases <em>your</em> interest rate so you can pay down <em>your</em> balance on <em>your</em> <em>credit</em> <em>card</em> so I signed on not knowing later the bank will <em>close</em> <em>your</em> <em>card</em> without you knowing so when I found out XXXX XXXX of XXXX that they had closed the <em>credit</em> <em>card</em> In XXXX of XXXX due to a bank evaluation of <em>account</em> in which I dont know they did that after having the <em>credit</em> <em>card</em> for 3yrs and 11 months without a explanation."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["<em>Closing</em> <em>your</em> <em>account</em>"],"company":["NAVY FEDERAL <em>CREDIT</em> UNION"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Company closed <em>your</em> <em>account</em>"]},"sort":[14.134895,"5881078"]},{"_index":"complaint-public-v1","_id":"1832722","_score":14.092125,"_source":{"product":"Credit card","complaint_what_happened":"I have an amazon account and I opened an Amazon Credit Card account. Problem is you ca n't log on to make a payment without being redirected and then asked to log on again to a different website. I had constant issues logging into the third party website every time I wanted to make a payment. I was so frustrated just trying to make payments I decided to close my account and would have expected when I clicked the close your account option over the phone, it would have required you to pay and close the account. Nope it just closes your account. Then I tried to make a payment using my Credit Card to pay the entire amount off and it wo n't accept a credit card payment nor would it allow me to reopen my account. No way should it allow you to close your account without informing you of your closing balance and stating the only way to pay off the balance is via a checking account. I would NEVER have closed the account had that information been provided prior to the closure. I would have simply remained making the payments however troublesome making them were. Now I will be forced to pay the entire amount at once. I believe they make it difficult purposefully.","date_sent_to_company":"2016-03-15T23:29:59.000Z","issue":"Closing/Cancelling account","sub_product":null,"zip_code":"92707","tags":null,"has_narrative":true,"complaint_id":"1832722","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2016-03-15T23:29:58.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I was so frustrated just trying to make payments I decided to <em>close</em> my <em>account</em> and would have expected when I clicked the <em>close</em> <em>your</em> <em>account</em> option over the phone, it would have required you to pay and <em>close</em> the <em>account</em>. Nope it just <em>closes</em> <em>your</em> <em>account</em>. Then I tried to make a payment using my <em>Credit</em> <em>Card</em> to pay the entire amount off and it wo n't accept a <em>credit</em> <em>card</em> payment nor would it allow me to reopen my <em>account</em>."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Closing</em>/Cancelling <em>account</em>"]},"sort":[14.092125,"1832722"]},{"_index":"complaint-public-v1","_id":"20770754","_score":14.008564,"_source":{"product":"Credit card","complaint_what_happened":"hi i have chase credit card more than XXXX year and paying all my payments on time and there is no late payment ever and i am surprised they saying we are closing your account and they were saying because due to your other accounts we are closing this account i already filed the complain regarding my other accounts as well that they are closing without providing any reason, i have this credit card more than a year if they close my this account my credit score is going to XXXX badly which also going to effect my age of credit this is not a fair, and i want to know why you are closing my credit card account. i never reversed claim i never had late payments every time i am paying full amount, and i am using it as my regular use. its very stressful for me and fully broken to know that, and feeling hapless because i like the chase bank but this completely wrong, i want the proper reasoning for closing my credit card account, and i am ready to giving full explations and proof of whatever the transaction they would ask. \ni would request to chase please do not close my accounts","date_sent_to_company":"2026-03-30T14:47:16.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"11355","tags":null,"has_narrative":true,"complaint_id":"20770754","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-03-30T14:32:16.000Z","state":"NY","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["hi i have chase <em>credit</em> <em>card</em> more than XXXX year and paying all my payments on time and there is no late payment ever and i am surprised they saying we are <em>closing</em> <em>your</em> <em>account</em> and they were saying because due to <em>your</em> other <em>accounts</em> we are <em>closing</em> this <em>account</em> i already filed the complain regarding my other <em>accounts</em> as well that they are <em>closing</em> without providing any reason, i have this <em>credit</em> <em>card</em> more than a year if they <em>close</em> my this <em>account</em> my <em>credit</em> score is going to XXXX badly which also going"],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Closing</em> <em>your</em> <em>account</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Company closed <em>your</em> <em>account</em>"]},"sort":[14.008564,"20770754"]},{"_index":"complaint-public-v1","_id":"3262016","_score":13.985038,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX at XXXX EST I called Citi about a credit card i had through them which was a XXXX XXXX affiliated card. I asked the representative to cancel my credit card to which I was told that \" there is an issue with your account which prevents me from closing your account right now, may i instead credit your account for the annual fee instead? '' ( paraphrased slightly as I don't have this recorded. The representative then at my incessant demand managed to close my account without any hesitation or inquiry to another department to 'resolve the issue ' which supposedly existed. When pressed about the issue the representative told me that there infact was no issue, but rather this is a sales tactic they use to deceive consumers who are trying to close their accounts.","date_sent_to_company":"2019-06-02T23:34:34.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"023XX","tags":null,"has_narrative":true,"complaint_id":"3262016","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2019-06-02T23:23:01.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX at XXXX EST I called Citi about a <em>credit</em> <em>card</em> i had through them which was a XXXX XXXX affiliated <em>card</em>. I asked the representative to cancel my <em>credit</em> <em>card</em> to which I was told that \" there is an issue with <em>your</em> <em>account</em> which prevents me from <em>closing</em> <em>your</em> <em>account</em> right now, may i instead <em>credit</em> <em>your</em> <em>account</em> for the annual fee instead? '' ( paraphrased slightly as I don't have this recorded."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["<em>Closing</em> <em>your</em> <em>account</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Can't <em>close</em> <em>your</em> <em>account</em>"]},"sort":[13.985038,"3262016"]},{"_index":"complaint-public-v1","_id":"5348371","_score":13.896868,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"We need legislation that makes it much easier for consumers to close their credit card accounts. For my Citi Credit Card, closing my account required waiting on hold for 45 minutes, being passed from representative to representative, and aggressive upsell/change your mind tactics. The line \" disconnected '' twice. Require these companies to allow users to close their accounts online with a click.","date_sent_to_company":"2022-03-21T19:47:08.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"32503","tags":null,"has_narrative":true,"complaint_id":"5348371","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2022-03-21T19:42:09.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["We need legislation that makes it much easier for consumers to <em>close</em> their <em>credit</em> <em>card</em> <em>accounts</em>. For my Citi <em>Credit</em> <em>Card</em>, <em>closing</em> my <em>account</em> required waiting on hold for 45 minutes, being passed from representative to representative, and aggressive upsell/change <em>your</em> mind tactics. The line \" disconnected '' twice. Require these companies to allow users to <em>close</em> their <em>accounts</em> online with a click."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["<em>Closing</em> <em>your</em> <em>account</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Can't <em>close</em> <em>your</em> <em>account</em>"]},"sort":[13.896868,"5348371"]},{"_index":"complaint-public-v1","_id":"6137947","_score":13.891305,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I received a letter yesterday, XX/XX/2022, dated XX/XX/2022, from Chase Card Services, saying, \" After careful consideration, we decided to close your credit account on XX/XX/2022 because your association with Chase credit card, deposit or investment account that was previously closed. '' Chase bank should have explained a reasonable cause to close my previous accounts. I believe chase bank 's action is not fair to its customer financially. The letter was mailed on XX/XX/2022. \n\nChase Bank is biased against a particular customer. If I have any issue with my credit history or other reasons, they never issue a credit card to me. Because I called the bank credit card service, they did not come up with any reasonable cause. I want Chase Credit Card Services or Chase Bank to explain the real reason behind closing my credit card account.","date_sent_to_company":"2022-11-15T21:09:03.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"11385","tags":null,"has_narrative":true,"complaint_id":"6137947","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-10-27T14:18:20.000Z","state":"NY","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I received a letter yesterday, XX/XX/2022, dated XX/XX/2022, from Chase <em>Card</em> Services, saying, \" After careful consideration, we decided to <em>close</em> <em>your</em> <em>credit</em> <em>account</em> on XX/XX/2022 because <em>your</em> association with Chase <em>credit</em> <em>card</em>, deposit or investment <em>account</em> that was previously closed. '' Chase bank should have explained a reasonable cause to <em>close</em> my previous <em>accounts</em>. I believe chase bank 's action is not fair to its customer financially. The letter was mailed on XX/XX/2022."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["<em>Closing</em> <em>your</em> <em>account</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Company closed <em>your</em> <em>account</em>"]},"sort":[13.891305,"6137947"]},{"_index":"complaint-public-v1","_id":"15210148","_score":13.855798,"_source":{"product":"Credit card","complaint_what_happened":"XX/XX/year> Dear XXXX XXXX, We're committed to keeping you informed about your account. As a result of a recent review of XXXX XXXX 's account relationship, and due to your account being in default of the Credit Card Agreement terms, we've made the decision to close your credit card accounts. This process is consistent with the terms of the Credit Card Agreement which can be found on the USAA Mobile App and XXXX \nAs a result, we've made the decision to close the following credit cards : Account type : Account number ending in : Credit card XXXX Credit card XXXX Closure date : XX/XX/year> XX/XX/year> I been with this company XXXX plus years never had any problems or issues pay all my bills on time.","date_sent_to_company":"2025-08-11T17:27:31.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"77494","tags":null,"has_narrative":true,"complaint_id":"15210148","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2025-08-11T17:04:08.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["XX/XX/year> Dear XXXX XXXX, We're committed to keeping you informed about <em>your</em> <em>account</em>. As a result of a recent review of XXXX XXXX 's <em>account</em> relationship, and due to <em>your</em> <em>account</em> being in default of the <em>Credit</em> <em>Card</em> Agreement terms, we've made the decision to <em>close</em> <em>your</em> <em>credit</em> <em>card</em> <em>accounts</em>."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Closing</em> <em>your</em> <em>account</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Company closed <em>your</em> <em>account</em>"]},"sort":[13.855798,"15210148"]},{"_index":"complaint-public-v1","_id":"12106728","_score":13.844223,"_source":{"product":"Credit card","complaint_what_happened":"Synchrony closed my Lowes and Care Credit accounts because I didnt immediately use them, thus lowering my credit score. They closed my Sams Club card because they claim my score dropped. It dropped because they closed my accounts. My Sams card would be paid off in entirety every month. They reduced my credit limit on my Venmo card and PayPal because my score dropped. Score dropped because they keep closing accounts. Everyone has this complaint. If you have XXXX balance or pay off your credit card in one shot, they close your accounts. This is wrong. Its always the same standard answer they give you. They routinely check your credit and do what they want to do with your account whether you have excellent credit and pay off your balance or not. How is this allowed?? They are playing with peoples lives.","date_sent_to_company":"2025-02-17T19:09:29.000Z","issue":"Closing your account","sub_product":"Store credit card","zip_code":"23454","tags":"Servicemember","has_narrative":true,"complaint_id":"12106728","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-02-17T18:53:09.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["If you have XXXX balance or pay off <em>your</em> <em>credit</em> <em>card</em> in one shot, they <em>close</em> <em>your</em> <em>accounts</em>. This is wrong. Its always the same standard answer they give you. They routinely check <em>your</em> <em>credit</em> and do what they want to do with <em>your</em> <em>account</em> whether you have excellent <em>credit</em> and pay off <em>your</em> balance or not. How is this allowed?? They are playing with peoples lives."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Closing</em> <em>your</em> <em>account</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["Company closed <em>your</em> <em>account</em>"]},"sort":[13.844223,"12106728"]},{"_index":"complaint-public-v1","_id":"12636408","_score":13.821754,"_source":{"product":"Credit card","complaint_what_happened":"I contacted the Self XXXX credit card company numerous times, attempting to close out my account. I went through the prompts when directed to call XXXX. I entered all the information. After verifying, it tells you to press 5 to be directed to a representative. Then it hangs up. You're not able to close your account from the app, it directs you to call them to close it. I have incurred so many fees due to this. Once you have a card with them, you can not close out your account, and it will continue to incur fees and pull down your credit score. I have also tried contacting XXXX XXXX XXXX at XXXX due to this being the bank Self Financial , Inc uses. I had no answer from them either.","date_sent_to_company":"2025-03-25T15:42:37.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"49509","tags":null,"has_narrative":true,"complaint_id":"12636408","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2025-03-25T15:16:56.000Z","state":"MI","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["Once you have a <em>card</em> with them, you can not <em>close</em> out <em>your</em> <em>account</em>, and it will continue to incur fees and pull down <em>your</em> <em>credit</em> score. I have also tried contacting XXXX XXXX XXXX at XXXX due to this being the bank Self Financial , Inc uses. I had no answer from them either."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Closing</em> <em>your</em> <em>account</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Can't <em>close</em> <em>your</em> <em>account</em>"]},"sort":[13.821754,"12636408"]},{"_index":"complaint-public-v1","_id":"3670670","_score":13.748973,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I received the following threat to close my account and they will report it closed to the credit bureaus if I dont make a purchase soon. Below is the main part of the email : Were Comenity Bank and we handle everything related to your Victoria 's Secret XXXX Credit Card account.\n\nYou may not realize it, but your Victoria 's Secret XXXX Credit Card account hasnt been used since XX/XX/XXXX Thats why were planning to close your account on XX/XX/XXXX. This means you wont be able to make any more purchases with this card and well let the credit bureaus know your account is closed. \n\nWant to keep your card active? Please make one purchase by XX/XX/XXXX Wed love to continue having you as a Victoria 's Secret XXXX Credit Card customer. So were inviting you to keep your account open with a single purchase but you must make it by XX/XX/XXXX. Otherwise, your account will be closed on XX/XX/XXXX.","date_sent_to_company":"2020-05-27T20:00:59.000Z","issue":"Other features, terms, or problems","sub_product":"Store credit card","zip_code":"74136","tags":null,"has_narrative":true,"complaint_id":"3670670","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2020-05-27T19:52:48.000Z","state":"OK","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I received the following threat to <em>close</em> my <em>account</em> and they will report it closed to the <em>credit</em> bureaus if I dont make a purchase soon. Below is the main part of the email : Were Comenity Bank and we handle everything related to <em>your</em> Victoria 's Secret XXXX <em>Credit</em> <em>Card</em> <em>account</em>.\n\nYou may not realize it, but <em>your</em> Victoria 's Secret XXXX <em>Credit</em> <em>Card</em> <em>account</em> hasnt been used since XX/XX/XXXX Thats why were planning to <em>close</em> <em>your</em> <em>account</em> on XX/XX/XXXX."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"]},"sort":[13.748973,"3670670"]},{"_index":"complaint-public-v1","_id":"1985547","_score":13.687824,"_source":{"product":"Prepaid card","complaint_what_happened":"When I prepared my taxes through XXXX XXXX. Once you complete your tax return you have several options for getting your tax return. One of those options was a netSpend Premier Visa Debit Card. Seems easy but read the fine print of the agreement before you opt for this card. There are fees that will deplete your refund and they will continue to charge you fees into a negative balance. The only way you can do business with them is through the Internet. There is no monthly billing, no statement of charges or purchases and no notification of your balance or fees charged when charged. If you call and try to close the account with a negative balance they will tell you that they will charge off the negative balance and off course that will go on your credit bureau. You options are to go to a XXXX or XXXX, load put money on the card to clear the negative balance then call them or go on the Internet and close the card. After raising the roof with them, being that it was a small negative balance they agreed to waive the small negative balance and close the card.","date_sent_to_company":"2016-07-13T20:03:25.000Z","issue":"Fees","sub_product":"Government benefit payment card","zip_code":"89121","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"1985547","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Netspend Corporation","date_received":"2016-06-26T15:18:31.000Z","state":"NV","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["There is no monthly billing, no statement of charges or purchases and no notification of <em>your</em> balance or fees charged when charged. If you call and try to <em>close</em> the <em>account</em> with a negative balance they will tell you that they will charge off the negative balance and off course that will go on <em>your</em> <em>credit</em> bureau. You options are to go to a XXXX or XXXX, load put money on the <em>card</em> to clear the negative balance then call them or go on the Internet and <em>close</em> the <em>card</em>."],"product":["Prepaid <em>card</em>"],"sub_product":["Government benefit payment <em>card</em>"]},"sort":[13.687824,"1985547"]},{"_index":"complaint-public-v1","_id":"3560994","_score":13.684887,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Yesterday, I received an email from Comenity Bank in reference to a Zales Diamond Card that I have had for a number of years. I've always paid my card in full and I don't use it often. The email was notice that unless I use the card at least once before XX/XX/XXXX, Comenity will close the account. I don't have a problem with them closing it, honestly. The troubling part of the email was the threat that they made to report the closure to credit bureaus negatively ( it being widely known that an account shown as \" Closed by Creditor '' is detrimental to credit ratings ) as quoted following : \" Thats why were planning to close your account on XX/XX/2020. This means you wont be able to make any more purchases with this card and well let the credit bureaus know your account is closed. '' I have sent them a letter requesting that they close the account but that they report it as \" Closed by Consumer '' to the credit bureaus. Hopefully, they will do as I have asked. \nThis approach seems heavy-handed to me and I question the wisdom of creditors being allowed to encourage consumers to unnecessarily use a credit card. I think that a better way for creditors to handle this type of situation would be for them to offer to close an unused account and show it \" Closed by Consumer '' instead of encouraging consumers to use a card to avoid a negative entry in their credit reports.","date_sent_to_company":"2020-03-10T12:16:20.000Z","issue":"Other features, terms, or problems","sub_product":"Store credit card","zip_code":"284XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"3560994","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2020-03-10T11:59:52.000Z","state":"NC","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["This means you wont be able to make any more purchases with this <em>card</em> and well let the <em>credit</em> bureaus know <em>your</em> <em>account</em> is closed. '' I have sent them a letter requesting that they <em>close</em> the <em>account</em> but that they report it as \" Closed by Consumer '' to the <em>credit</em> bureaus. Hopefully, they will do as I have asked. \nThis approach seems heavy-handed to me and I question the wisdom of creditors being allowed to encourage consumers to unnecessarily use a <em>credit</em> <em>card</em>."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"]},"sort":[13.684887,"3560994"]},{"_index":"complaint-public-v1","_id":"6460357","_score":13.646819,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have a credit card account with Pentagon Federal Credit Union. \n\nOn XX/XX/XXXX I contacted the credit union via online chat. I requested that my Visa credit card account be closed. I only have one credit card account with this credit union. XXXX. \n\nThe representative, XXXX XXXX, stated \" Your card has been permanently closed. Please note you will receive your final statement by mail. '' The chat log is attached. \n\nas of XX/XX/XXXX, the account still shows online this card to be active and has assessed additional fees. \n\nI have re-contacted the credit union, The service representative states the card is still active and have no \" record '' of the request to close the account. They were again, not able to immediately close the account at my request.","date_sent_to_company":"2023-01-19T17:06:06.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"78413","tags":"Servicemember","has_narrative":true,"complaint_id":"6460357","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENTAGON FEDERAL CREDIT UNION","date_received":"2023-01-19T16:45:36.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["I have a <em>credit</em> <em>card</em> <em>account</em> with Pentagon Federal <em>Credit</em> Union. \n\nOn XX/XX/XXXX I contacted the <em>credit</em> union via online chat. I requested that my Visa <em>credit</em> <em>card</em> <em>account</em> be closed. I only have one <em>credit</em> <em>card</em> <em>account</em> with this <em>credit</em> union. XXXX. \n\nThe representative, XXXX XXXX, stated \" <em>Your</em> <em>card</em> has been permanently closed. Please note you will receive <em>your</em> final statement by mail. '' The chat log is attached."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"issue":["<em>Closing</em> <em>your</em> <em>account</em>"],"company":["PENTAGON FEDERAL <em>CREDIT</em> UNION"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"],"sub_issue":["Can't <em>close</em> <em>your</em> <em>account</em>"]},"sort":[13.646819,"6460357"]},{"_index":"complaint-public-v1","_id":"18604587","_score":13.635136,"_source":{"product":"Credit card","complaint_what_happened":"I received an email from SoFi I will copy here after describing the issue. They are going to start charging me {$10.00} dollars a month, which I never agreed to. If I do not want to be charged {$10.00} a month they will close my card. \n\nHi XXXX, We want to let you know about an upcoming update to your SoFi Unlimited 2 % Credit Card terms. Starting XX/XX/year>, a $ XXXX monthly fee will be added to your credit card account. This will help us continue to provide the benefits, protection, and service that our members expect from SoFi. \nPlease contact us at XXXX, by chat or by calling us at XXXX by XX/XX/year> if you would like to close your credit card account and avoid the $ XXXX monthly fee. \n\nSummary of Change The following is a summary of the change that is being made to your account terms. For more information, please refer to the Detailed Changes at the bottom of the email. \nYou have the right to opt out of this change by XX/XX/year>. However, if you do opt out of this change, you will not be able to use your account for new transactions once your account is closed on XX/XX/year>. To opt out of the change, contact us at XXXX, by chat or by calling us at XXXX. \n\nRevised Terms, as of XXXX XXXX XXXX  Monthly Fee {$10.00} ( {$120.00} annually ) No action is required if you accept this changecontinued card use after XX/XX/year> will mean you agree to the monthly fee and the updated terms of your SoFi Credit Card Cardholder Agreement.\n\nWe appreciate your membership.\n\nThe SoFi Team Understanding the Updates If I opt out of the change, what happens to my credit card account? \nIf you opt out of the change, you will not be able to use your account for new transactions once your account is closed on XX/XX/year>. You will continue to receive a monthly statement while a balance remains. Your outstanding balance will accrue interest according to your credit card terms and you will need to make at least the minimum payment due each month until the balance is paid in full. \nIf I opt out of the change, will my entire SoFi profile/account be closed or just my credit card account? \nIf you opt out of the change, only your SoFi Unlimited 2 % Credit Card account will be closed and you will not be charged the monthly fee. \nIf I close my credit card account, can I still redeem my rewards points? \nIf you close your credit card account and do not have an active eligible SoFi account through which rewards points can be redeemed, you must redeem your rewards within 90 days. After 90 days, you will forfeit your entire rewards points balance.","date_sent_to_company":"2026-01-09T17:57:51.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"761XX","tags":null,"has_narrative":true,"complaint_id":"18604587","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SOFI TECHNOLOGIES, INC.","date_received":"2026-01-09T17:47:01.000Z","state":"TX","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["If I opt out of the change, will my entire SoFi profile/<em>account</em> be closed or just my <em>credit</em> <em>card</em> <em>account</em>? \nIf you opt out of the change, only <em>your</em> SoFi Unlimited 2 % <em>Credit</em> <em>Card</em> <em>account</em> will be closed and you will not be charged the monthly fee. \nIf I <em>close</em> my <em>credit</em> <em>card</em> <em>account</em>, can I still redeem my rewards points? \nIf you <em>close</em> <em>your</em> <em>credit</em> <em>card</em> <em>account</em> and do not have an active eligible SoFi <em>account</em> through which rewards points can be redeemed, you must redeem <em>your</em> rewards within 90 days."],"product":["<em>Credit</em> <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[13.635136,"18604587"]},{"_index":"complaint-public-v1","_id":"9904025","_score":13.609994,"_source":{"product":"Credit card","complaint_what_happened":"I submitted a complaint to CFPB on XXXX XX/XX/XXXX and it was immediately closed regarding this same issue. Why was it closed? \n\nI was divorced in the XXXX  of XXXX. During the divorce I contacted all credit card companies and our banks to remove my ex wife from the account, or close all of the accounts. The military Star card through The Exchange Credit Program is the only credit card that did not close my account as requested through their consumer phone number to close accounts. \nI went XXXX  for work shortly after for 4 years, came back to the U.S. In XXXX I notice my credit score had dropped to below XXXX. The military star card was used by my ex wife, military star card did not close the account as required. I contacted military star card and asked them to cancel the card, close the account, they only sent the original documents and nothing else, they also refused, did not close the account. \n\nOnce again, this last month, my ex wife has been delinquent in her charges and caused my credit to slip. \nThis is absolutely wrong. Military Star did not follow their obligations to close this account, and initially you have refused to look into this. Your my resource for issues such as this. Cant you at least contact Military Star card The Exchange Credit Program and have them have my wife keep her own account and free me from this? What is the reason you would refuse?","date_sent_to_company":"2024-08-29T15:31:01.000Z","issue":"Closing your account","sub_product":"Store credit card","zip_code":"34472","tags":"Servicemember","has_narrative":true,"complaint_id":"9904025","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Army and Air Force Exchange Service","date_received":"2024-08-23T16:40:58.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["During the divorce I contacted all <em>credit</em> <em>card</em> companies and our banks to remove my ex wife from the <em>account</em>, or <em>close</em> all of the <em>accounts</em>. The military Star <em>card</em> through The Exchange <em>Credit</em> Program is the only <em>credit</em> <em>card</em> that did not <em>close</em> my <em>account</em> as requested through their consumer phone number to <em>close</em> <em>accounts</em>. \nI went XXXX  for work shortly after for 4 years, came back to the U.S. In XXXX I notice my <em>credit</em> score had dropped to below XXXX."],"product":["<em>Credit</em> <em>card</em>"],"issue":["<em>Closing</em> <em>your</em> <em>account</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"],"sub_issue":["Can't <em>close</em> <em>your</em> <em>account</em>"]},"sort":[13.609994,"9904025"]},{"_index":"complaint-public-v1","_id":"3671040","_score":13.555091,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I just received an email from Comenity ( the servicer for my XXXX  XXXX  credit card ) threatening to cancel my card and report the cancellation to credit bureaus if I do not make a purchase by XX/XX/XXXX, since I have not made a purchase since XX/XX/XXXX. I understand their right to close my credit account, but the tone of this communication is very threatening. I called Comenity and closed my account, but I am very disappointed in these tactics, especially in this time of economic downturn. \n\nExcerpt from email : Keep your XXXX XXXX Credit Card from being closed with only one purchase. \nWere Comenity Bank and we handle everything related to your XXXX XXXX Credit Card account. \n\nYou may not realize it, but your XXXX XXXX Credit Card account hasnt been used since XX/XX/XXXX. Thats why were planning to close your account on XX/XX/XXXX. This means you wont be able to make any more purchases with this card and well let the credit bureaus know your account is closed.","date_sent_to_company":"2020-05-27T21:55:35.000Z","issue":"Other features, terms, or problems","sub_product":"Store credit card","zip_code":"601XX","tags":null,"has_narrative":true,"complaint_id":"3671040","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2020-05-27T21:07:02.000Z","state":"IL","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Excerpt from email : Keep <em>your</em> XXXX XXXX <em>Credit</em> <em>Card</em> from being closed with only one purchase. \nWere Comenity Bank and we handle everything related to <em>your</em> XXXX XXXX <em>Credit</em> <em>Card</em> <em>account</em>. \n\nYou may not realize it, but <em>your</em> XXXX XXXX <em>Credit</em> <em>Card</em> <em>account</em> hasnt been used since XX/XX/XXXX. Thats why were planning to <em>close</em> <em>your</em> <em>account</em> on XX/XX/XXXX. This means you wont be able to make any more purchases with this <em>card</em> and well let the <em>credit</em> bureaus know <em>your</em> <em>account</em> is closed."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["Store <em>credit</em> <em>card</em>"]},"sort":[13.555091,"3671040"]},{"_index":"complaint-public-v1","_id":"4571716","_score":13.544071,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My complaint is against Barclays Bank. \n\nI have a XXXX XXXX Visa card. \n\nToday I received an announcement from Barclays that the XXXX XXXX card will be converted to a Barclays card. \n\nI have no relationship with Barclays and do not wish to have a relationship with Barclays. \n\nThe announcement says that even if I refuse to accept the change, they will issue a new card anyway, and then close it. \n\nHere 's the exact wording : \" Even if you reject these changes and we close your account, your account will still be converted to a new XXXX XXXX XXXX Mastercard from Barclays and you will receive a new credit card ... .. '' I do not want a new account to be reported to the credit bureaus. \n\nBarclays has no right to force a new account upon me.","date_sent_to_company":"2021-07-25T05:47:44.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"11743","tags":null,"has_narrative":true,"complaint_id":"4571716","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2021-07-25T01:31:09.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Here 's the exact wording : \" Even if you reject these changes and we <em>close</em> <em>your</em> <em>account</em>, <em>your</em> <em>account</em> will still be converted to a new XXXX XXXX XXXX Mastercard from Barclays and you will receive a new <em>credit</em> <em>card</em> ... .. '' I do not want a new <em>account</em> to be reported to the <em>credit</em> bureaus. \n\nBarclays has no right to force a new <em>account</em> upon me."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[13.544071,"4571716"]},{"_index":"complaint-public-v1","_id":"3139275","_score":13.540251,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/2019 American Express is trying to commit extortion, buy sending my an email stating that if I don't make a purchase using their card they will close my account which may impact my credit score. to summarize : \" We noticed that you haven't used your Account in a while, and unfortunately, your account is automatically scheduled to close soon. As with any change in account status, this closure could impact your credit score. If you'd like to keep your account open, simply make a purchase on your Card by XX/XX/19. \" this is the definition of extortion - the practice of obtaining something, especially money, through force or threats.","date_sent_to_company":"2019-01-31T20:43:17.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"08876","tags":null,"has_narrative":true,"complaint_id":"3139275","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2019-01-31T20:34:11.000Z","state":"NJ","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["On XX/XX/2019 American Express is trying to commit extortion, buy sending my an email stating that if I don't make a purchase using their <em>card</em> they will <em>close</em> my <em>account</em> which may impact my <em>credit</em> score. to summarize : \" We noticed that you haven't used <em>your</em> <em>Account</em> in a while, and unfortunately, <em>your</em> <em>account</em> is automatically scheduled to <em>close</em> soon. As with any change in <em>account</em> status, this closure could impact <em>your</em> <em>credit</em> score."],"product":["<em>Credit</em> <em>card</em> or prepaid <em>card</em>"],"sub_product":["General-purpose <em>credit</em> <em>card</em> or charge <em>card</em>"]},"sort":[13.540251,"3139275"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":7315,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":7315}]}},"product":{"doc_count":7315,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card or prepaid card","doc_count":1727,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1405},{"key":"Store credit card","doc_count":274},{"key":"General-purpose prepaid card","doc_count":33},{"key":"Government benefit card","doc_count":13},{"key":"Payroll 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