Credit card -- Trouble using your card -- Complaint #13009242
Complaint Overview
Complaint ID: 13009242
Company: Citibank, N.A.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Credit card company won't increase or decrease your credit limit
State: Florida
ZIP Code: 33467
Date Received: 2025-04-15T12:00:00-05:00
Date Sent to Company: 2025-04-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX Last 4 ssn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX Citibank Executive Response XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX Fax : XXXX Email : XXXX RE : IMMEDIATE ACTION REQUIRED ILLEGAL CREDIT LIMIT REDUCTION Account Number : XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal complaint and demand for immediate action regarding an unauthorized and unlawful reduction of my credit limit on the above-mentioned Citibank-issued Best Buy credit card. Despite my account being open, in good standing, and NEVER lateas clearly reflected in my XXXX credit report ( screenshots attached ) you decreased my credit limit without any prior notice or explanation. This is not only unethical but in direct violation of federal law. You Have Violated the Following Laws : CARD Act Section 101 ( a ) ( 1 ) You are legally required to give at least 45 days written notice before reducing a consumers credit limit. I never received any such notice. CARD Act Section 101 ( a ) ( 3 ) If the decrease was based on credit bureau data, you are required to disclose the specific reason and source. I never authorized any such pull, and no adverse action notice has been provided. CARD Act Section 102 I have the right to opt out of changes under certain terms. No such option was ever presented. Truth in Lending Act ( TILA ) Section 1026.9 ( c ) Creditors are required to notify consumers of significant changes, such as a limit reduction, at least 45 days in advance. This requirement was blatantly ignored. Facts : Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Status : Open Never Late Current Limit : {$1000.00} ( Reduced from previous amount without notice ) Balance : $ XXXX Monthly Payment : Always made on time ( See attached payment history )
Frequently Asked Questions
What is Complaint #13009242 about?
Complaint #13009242 was filed against Citibank, N.A. regarding Credit card specifically about Trouble using your card. It was received by the CFPB on 2025-04-15T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Citibank, N.A.?
Yes, visit the Citibank, N.A. company profile at readthecomplaint.com/company/citibank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.