Credit card or prepaid card -- Trouble using your card -- Complaint #6876964

Complaint Overview

Complaint ID: 6876964

Company: Citibank, N.A.

Product: Credit card or prepaid card

Sub-Product: General-purpose credit card or charge card

Issue: Trouble using your card

Sub-Issue: Credit card company won't increase or decrease your credit limit

State: Florida

ZIP Code: 34609

Date Received: 2023-04-22T12:00:00-05:00

Date Sent to Company: 2023-04-22T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I've called multiple times about this issue, so please understand if all of the dates do not line up. I contacted Citi about my life and medical hardships since they began occurring in XXXX. Having lost both of my parents, getting to buy a house, but then immediately getting into XXXX XXXX car accidents, losing two jobs, my fianc losing her job with being unemployed consistently, and both of us needing XXXX, there was a lot going on. I made every effort to at least keep the account as current as possible, granted being a few days late here or there and being over limit due to having to bridge the loss of income with something. Citi profited from me from use of the card, from late fees, and from interest, all during my period of medical issues and lowered income. Fast forward to XX/XX/XXXX where my fianc and I finally settle our XXXX XXXXt cases out of court and have enough money to pay down about 90 % of our debts, so we do. I chose to pay Citi on XX/XX/XXXX, the roughly $ XXXX that I owed them across three credit cards. Not maybe several days to a week after I make these payments and finally feel some semblance of normalcy coming back to my financial situation, Citi chose to cut only ONE of the credit limits down by over 90 % ( $ XXXX to {$1300.00} ) ; of course this also the XXXX card I was looking forward to using again on the daily and paying off consistently since it has the best rewards and APR. Citi had not, and still has not, touched two of my Credit Cards that I don't use, as these cards currently have penalty APR rates. I feel Citi is waiting for me to use so they can profit off the fees again due to my medical situation, before the penalty rate falls off then they will cut the limits down on these cards too. I have contacted Citi to attempt to reinstate the credit limit to no avail. I have asked to combine/consolidate my credit limits to this one card ending in XXXX to no avail. Citi has cleared discriminated against me by profiting off my misfortunes, waiting for me to pay them off in full, then immediately reducing my ability to spend down. Citi will make claims stating " We are abiding by ECOA and FDCPA '', but there is evidence here that shows they are choosing to do otherwise, only profiting off of negative situations before wanting to reduce risk and claim it under ECOA and FDCPA. If Citi had either waited an entire Billing cycle or allowed multiple Credit Limit reinstatement requests, they would see that my risk profile has significantly reduced over the course of the past 45 days, as my utilization has dropped, several inquiries will be falling off in XXXX, and increased income due to my fianc being back to work.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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