Credit card -- Getting a credit card -- Complaint #7978332
Complaint Overview
Complaint ID: 7978332
Company: Citibank, N.A.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Application denied
State: Texas
ZIP Code: 782XX
Date Received: 2023-12-10T12:00:00-05:00
Date Sent to Company: 2023-12-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
on XXXX i XXXX XXXX XXXX applied for a CITIBANK XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX id number XXXX I was denied XX/XX/2023 and sent an affidavit on XX/XX/2023 with return receipt requested mail, demanding my credit decision be overturned due to my application being monetized, and the securities from of my application being deposited into their institution. Because they denied me access to my credit that was created with my application as a promise to pay. My application became my negotiable instrument which became my collateral and was deposited per 12 USC 1141 ( g ) ( 2 ) They are are violating the Equal Credit Opportunity Act and Securities Fraud Act under 18USC 1348, The law clearly states that all applications that are not returned must be approved. 15 USC 1691 ( a ) clearly states " it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction scation. Failure to comply is defined as adverse action against a consumer, which is illegal. '' I did also send an email and fax, i have not received anything back that stated they were going to approve it, i did send out another affidavit to get my credit card issued to me or i will be filing a lawsuit.
Frequently Asked Questions
What is Complaint #7978332 about?
Complaint #7978332 was filed against Citibank, N.A. regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2023-12-10T12:00:00-05:00.
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) 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.