Credit card or prepaid card -- Other features, terms, or problems -- Complaint #5240095
Complaint Overview
Complaint ID: 5240095
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: Florida
ZIP Code: 33312
Date Received: 2022-02-19T12:00:00-05:00
Date Sent to Company: 2022-02-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
From : XXXX XXXX XXXX c/o : XXXX XXXX XXXX XXXX Fort XXXX XXXX Florida XXXX XXXX : Citibank N.A . XXXX XXXX XXXX XXXX XXXX, SD XXXX Date : XX/XX/XXXX CEASE AND DESIST DECEPTIVE PRACTICE Re : Consumer Credit Application XXXX And to whom it may concern, FINANCIAL ASSET My Full Faith and Credit STATE OF FLORIDA non-citizen XXXX person is XXXX XXXX XXXX 31 USC 9301 Security/account number ending in XXXX Date of birth XX/XX/XXXX After reviewing State and Federal Consumer Credit Protection laws it has come to my attention that I have been misled into entering a comparable cash transaction instead of the open-end consumer credit plan pursuant to Equal Credit Opportunity Act ( ECOA ) and Truth in Lending Act ( TILA ). I, consumer, card issuer, am a natural person who regularly extends, renews, or continues credit and/or who regularly arranges for the extension, renewal, or continuation of credit, otherwise original creditor. See ECOA Credit card means any card, plate, or other single credit device that may be used from time to time to obtain credit. ( i.e. social security card/nationality card/ID card/U.S.A. Passport ) See TILA I have been misled by Citibank N.A. as participant in credit decision for Credit as a right ( 12 CFR 226.2 ) to incur debt and defer payment that does not require a down payment ( 15 U.S. Code 1662 ) and ( 15 U.S. Code 1605 ) whereby the finance charge does not include charges of a type payable in a comparable cash transaction. Citibank N.A. is the assignee of the original creditor who participates in the decision to extend, renew, or continue credit. See XXXX Citibank required both comparable cash transaction as down payment of {$200.00} and secured Truth in lending Act credit card ( Social Security Administration account number/identification card ) information via credit application as commercial paper for security to extend credit to consumer. Executed This Day XX/XX/XXXX pursuant to 28 USC 1746 ( XXXX ) By : XXXX XXXX XXXX XXXX XXXX XXXX of interest
Frequently Asked Questions
What is Complaint #5240095 about?
Complaint #5240095 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 2022-02-19T12:00:00-05:00.
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.