Credit card -- Trouble using your card -- Complaint #17800459
Complaint Overview
Complaint ID: 17800459
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: Illinois
ZIP Code: 61571
Date Received: 2025-11-21T12:00:00-05:00
Date Sent to Company: 2025-11-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/year> I received notice from Citibank regarding the credit limit on my credit card. I had asked for in increase in credit limit in XX/XX/year> and it was declined and left at the {$3300.00} limit. On XX/XX/year> I received notice they are lowering my limit to {$2800.00}, which is within {$60.00} of my credit balance. The notice stated it was lowering the limit due to my total revolving credit usage was high in proportion to my available credit. I do not dispute this as I've used my credit cards to pay bills while starting a new business. It has averaged around 90 % available credit usage. What I fiind infuriating is that before the credit lilmit decrease, I was around 84 % credit usage on the Citi card and I was current on all payments and have not missed any payments. Now, after lowering the limit, it will be reported I am using nearly 98 % of my credit limit. This seems entirely counter intuitive and seems like a total scam on the part of the company. I would love to cancel the card and pay off the balance, but I know that will lead to a nagative hit on my credit score too, which is a total scam and needs to be redone, but that's a complaint for another day. Citibank is hurting my ability to get credit in the future for no justifiable reason by making my overall credit usage % go up when they did not need to do that.
Frequently Asked Questions
What is Complaint #17800459 about?
Complaint #17800459 was filed against Citibank, N.A. regarding Credit card specifically about Trouble using your card. It was received by the CFPB on 2025-11-21T12:00:00-05:00.
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.