Credit card -- Getting a credit card -- Complaint #18700145
Complaint Overview
Complaint ID: 18700145
Company: Citibank, N.A.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Application denied
State: California
ZIP Code: 92336
Date Received: 2026-01-13T12:00:00-05:00
Date Sent to Company: 2026-01-13T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : CFPB Complaint Erroneous Credit Card Denial by Citibank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] ( XXXX : XXXX ) Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Complaint Against Citibank , N.A . Credit Card Denial Based on Erroneous Information Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an erroneous credit denial by Citibank , N.A . that I believe involves inaccurate or unverifiable consumer information and potential violations of the Fair Credit Reporting Act ( FCRA ). On or about XX/XX/XXXX, I applied for a credit card with Citibank , N.A . My application was denied based on information Citi stated adversely affected my creditworthiness. After receiving the adverse action notice, I obtained and carefully reviewed my consumer credit reports from XXXX XXXX XXXX XXXX The information cited by Citibank does not appear on any of these reports. Despite this, Citi relied on the unidentified information to deny my application. This suggests the use of inaccurate, outdated, or unverifiable data from a third-party consumer reporting agency, internal Citibank records , or an identity verification database. I have requested clarification, verification, and reconsideration from Citibank ; however, the issue has not been adequately explained or resolved. I am concerned that : Citibank relied on erroneous or unverifiable information The source of the information was not meaningfully disclosed My rights under the FCRA to accurate reporting and transparency were not fully honored This denial has negatively affected my ability to obtain credit and caused unnecessary harm despite my clean credit reports with the major bureaus. I respectfully request that the CFPB review this matter and require Citibank to : 1. Identify and verify the specific information used in the denial 2. Correct or remove any inaccurate or unverifiable data 3. Conduct a manual reconsideration of my application based on accurate information Thank you for your time and attention to this matter. I appreciate the CFPBs assistance in ensuring fair and lawful credit practices. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #18700145 about?
Complaint #18700145 was filed against Citibank, N.A. regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2026-01-13T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.