Credit card or prepaid card -- Getting a credit card -- Complaint #4999886
Complaint Overview
Complaint ID: 4999886
Company: Citibank, N.A.
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Getting a credit card
Sub-Issue: Application denied
State: Georgia
ZIP Code: 30083
Date Received: 2021-12-11T12:00:00-05:00
Date Sent to Company: 2021-12-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I, the consumer and natural person was denied credit by Citibank , N.A . when I applied for an ExxonMobil Credit Card. Pursuant to federal law, I can not be denied credit. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Citibank violated 15 U.S. Code 1642, 15 U.S. Code 1602p and 15 U.S. Code 1691 and 15 U.S. Code 1681a. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Citibank N.A., violated 15 U.S. Code 1642 violate federal law because I made an application, but credit was not issued. Citibank , N.A . denied me credit. Fact, affiant is aware and has proof in pursuant to 15 U.S. Code 6802, Citibank , N.A . may not report my nonpublic personal information as this statement confirms my request to OPT OUT. This means, I am requesting all inquiries and any other information regarding my relationship with Citibank, N.A., be deleted permanently from all consumer reporting agency databases including but limited to XXXX, XXXX, XXXX and XXXX XXXX. Fact, affiant is aware and has proof in pursuant to 15 U.S. Code 1681m, I can not be denied credit by Citibank , N.A . Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1605 that a finance charge was involved because my social security number was used. Fact, Affiant is aware and has proof pursuant to 15 U.S. Code 1602 that the use of my credit card ( social security card ) in this consumer credit transaction ( application for credit ) is unauthorized use because I received no benefit. Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1681b that Citibank fraudulently obtained my nonpublic personal information from XXXX because I did not provide either corporation with written instructions to furnish my consumer report to Citibank. Also, I did not provide Citibank with written instructions to retrieve my consumer credit report. Fact, Affiant is aware and has proof pursuant to 15 USC 1611, Citibank is criminally liable for violating 15 USC 1602 and 15 USC 1605 because I received no benefit. Also, a finance charge was involved in the consumer credit transaction I initiated on XXXX XXXX, 2021 but there was no mention of a check being mailed to me, the original creditor, for a finance charge in the adverse action letter I received on XXXX XXXX, 2021. Fact, affiant is aware and has proof pursuant to 15 USC 1681a, Citibank, N.A., can not deny me the credit I requested.
Frequently Asked Questions
What is Complaint #4999886 about?
Complaint #4999886 was filed against Citibank, N.A. regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2021-12-11T12:00:00-05:00.
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 or prepaid 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.