Credit card or prepaid card -- Getting a credit card -- Complaint #6321709
Complaint Overview
Complaint ID: 6321709
Company: Citibank, N.A.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Application denied
State: Texas
ZIP Code: 76012
Date Received: 2022-12-14T12:00:00-05:00
Date Sent to Company: 2022-12-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I applied for a credit card with Citi bank - the XXXX XXXX XXXX XXXX credit card and was denied for a bankruptcy from XXXX 28 years ago. My current XXXX score averages around 800, I currently have two credit cards with Citi that are about 10 years old with a combined line of credit of {$54000.00} and are paid off every month. I charge well over XXXX per year and do not have balances on my cards. Our household income is about {$780000.00} per year. I am more than happy to provide verifiable documentation of any of the above. I have not had any issues with obtaining credit for 20 years as I worked very hard to restore my financial stability after my bankruptcy in 1995. Note I am now XXXX, I was XXXX when I filed and filed due to loss of employment. I find it odd, that after I told the credit analyst that I wasn't sure if I should have included my husband 's income on my solo application that she couldn't hear me anymore, stated she would call me back, did not call me back, and then I got a denial letter for an almost 30 year old bankruptcy. Note - I asked if I should include his income because most of the debt on my credit report are joint accounts and joint responsibilities. I feel that I am being discriminated against for being XXXX as there is nothing negative in my credit file, my account history with Citi ( along with my other creditors ) on my existing Citi accounts is XXXX
Frequently Asked Questions
What is Complaint #6321709 about?
Complaint #6321709 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 2022-12-14T12:00:00-05:00.
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.