Credit card -- Trouble using your card -- Complaint #9379203
Complaint Overview
Complaint ID: 9379203
Company: Citibank, N.A.
Product: Credit 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: Louisiana
ZIP Code: 70056
Date Received: 2024-06-28T12:00:00-05:00
Date Sent to Company: 2024-06-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/XXXX, I applied and was approved for the CitiBank Double Cash credit card. I did not use this card until XX/XX/XXXX. The credit card had a {$6800.00} credit limit. In XX/XX/XXXX, I used the credit card to cover the repair cost for my vehicle. Within one week of the transaction, I received an email from CitiBank informing me of the decision to reduce my credit limit to {$940.00}. The repair cost was {$910.00}. This decision drastically increased my credit limit usage ; therefore, negatively impacting my score. Because of this decision, my credit score dropped to XXXX from XXXX. My credit score is now deemed poor severely impacting any further chance of affordable lending options.
Frequently Asked Questions
What is Complaint #9379203 about?
Complaint #9379203 was filed against Citibank, N.A. regarding Credit card specifically about Trouble using your card. It was received by the CFPB on 2024-06-28T12:00:00-05:00.
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.