Trouble using your card: Credit card

I am submitting a formal complaint against Citibank ( Citi ) regarding a systemic automated billing and account closure error on my Best Buy credit card account. I am requesting an immediate executive underwriting review to manually reinstate this account, which was closed due to an internal system glitch rather than a lack of payment or credit risk. The Timeline of Events : Initial Transaction : A scheduled payment transfer failed to process due to a bank transfer issue. Immediate Proactive Remedy : Upon realizing the transfer issue, I immediately contacted Citi customer service to notify them of the situation. I then went in person to a physical Best Buy retail location and paid the entire balance in full via an immediate electronic debit card transaction using my PIN number. This brought the account balance completely to zero before the initial failed item had even finished posting as returned in Citi 's system. Systemic Glitch : Despite the debt being fully satisfied and paid in full at the brick-and-mortar location, Citis automated Automated Clearing House ( ACH ) system automatically resubmitted the original failed transfer request a second time. Because the account was already fully paid, this forced automated action resulted in a secondary " returned item '' flag on a balance that no longer existed. Algorithmic Closure : Following this false secondary return flagwhich was entirely generated by Citi 's automated processing rules and not by my actionsthe automated risk algorithm triggered an immediate closure of the account ( " Closed by Grantor '' ). Impact & Request for Resolution : Standard phone customer service channels lack the system clearance to review manual store payment timestamps against ACH automated cycles and are executing blind transfers. This account was paid proactively, and its unjust closure severely harms my available credit line ratios and ongoing business credit structuring. I have attached my verified bank statement showing the immediate, real-time electronic funds transfer ( EFT ) via debit card with PIN verification completed at the Best Buy retail location. This proves the funds were fully cleared and the debt was legally satisfied prior to Citi 's automated processing system initiating the second, erroneous collection attempt. I request that an Executive Resolution Manager or Senior Underwriter manually review the payment timestamps, override the algorithmic closure, and reinstate the account to its full capacity in good standing.