Credit card or prepaid card -- Other features, terms, or problems -- Complaint #5195188
Complaint Overview
Complaint ID: 5195188
Company: Citibank, N.A.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: New York
ZIP Code: 120XX
Date Received: 2022-02-07T12:00:00-05:00
Date Sent to Company: 2022-02-07T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Citibank XXXX brooks brothers XXXX XXXX XXXX reduced my credit limit without any warning and without any notice at all prior to doing so, so that my account went all the way to 99 % utilization rate, on XX/XX/2022, when the most recent payment was due, and the date that I made a payment. I have never missed a single payment on any credit card or loan account and have never had an issue making more than minimum payments. I never received any mailing or notice about a decrease or any warning about it. the company did not even tell me, another identity theft protection plan I use told me about the credit decrease and the resulting increase in utilization rate. This is a violation of the fair credit reporting act because she stated that the reason they did so was because of payment delinquency ( not true ) which would required the notice. She said that the notice would be received in 7-10 days from TODAY, XX/XX/2022, which is days after this all apparently happened. I reached out to customer service and the lady was rude and said it was the credit agency 's fault and that she could not do anything. When I brought up that I was charged a late fee on XX/XX/XXXX, and then refunded that same late fee on the same date she got agitated. Then when i asked why I never received any notice or warning about it and she said that Citibank doesn't do that and wouldn't do it without telling people. I let her know that I never received any warning or notice and that literally another company which I pay to protect my identity were the only reason I found out. She said XXXX did the report but that doesn't mean that I shouldn't have been told about it. Then she hung up me when I asked about why i never received any letter or notice or anything about it. I don't care ultimately about the credit line or these nefarious people with suspect practices but I never was even told about it. no notice at all. it is not right. Then she hung up me when I asked about why i never received any letter or notice or anything about it. Also the document and the website says i requested a cash advance which never happened.
Frequently Asked Questions
What is Complaint #5195188 about?
Complaint #5195188 was filed against Citibank, N.A. regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2022-02-07T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with 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 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.