Consumer complaint received 2023-06-28
Company: CITIBANK, N.A.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX Citibank again... I received two emails pertaining to my Citibank card XXXX XXXX and Citibank card XXXX XXXX. Apparently, Citi has a personal vendetta towards me. 
( 1 ) Last XX/XX/XXXX when questioned about new card offered your employee removed my new card and replaced it back upon an older card that I previously owned. That issue has never been explained why it occurred nor has it been corrected. I was only told to wait 1 year then re apply for the rewards card??? 
( 2 ) Then XX/XX/XXXX your Citibank credit department decided to decrease the credit limit significantly on both my cards # XXXX and XXXX XXXX. Plummeting someones credit limit from {$13000.00} to {$8800.00} ( odd amount ) and decreasing another card from {$7700.00} to {$4800.00} ( another odd amount ) has created several issues within each credit bureau, that I am still attempting to rectify. A dispute was file with XXXX ( dispute # XXXX ) and Citibank case ( # XXXX ) ( 3 ) And now XX/XX/XXXX Citibank credit department has raked havoc once again. Less than 3 months ago they decreased my credit limit on both cards and now they have reduced it again. Now going from {$8800.00} to {$5400.00} ( another odd amount ) and the {$4800.00} to {$2000.00}. Conveniently, the reduction of credit is just above the amount I owed. 
I have called Citi bank to discuss this new issue of credit reduction. Spoken to several people none of which can explain why or escalate the issue. They just send letters explaining the reasons behind the credit reduction is the credit score ( the credit report score is lower because of their previous actions ). They claim that I can dispute if I find a discrepancy. I have expressed to Citibank CEO and Executive Response Team that by that time all 3 credit bureaus would have received the same information and it would again cause irreversible damage to my credit. This has now happened twice in less than 3 months, and I definitely feel that this is personal because of the original issue last XX/XX/XXXX. I will be filing a complaint/disputes with the Credit bureaus, tXX/XX/XXXX, the Department of Justice and Federal Reserve I expressed that I had been a long-time member of Citi bank and have never missed any payments, all three credit bureaus still report 100 % on time payments to all my creditors over past 7 years. I have NOT acquired any new cards, any new loans and am completely unsure why the credit limit was decreased the 1st time nor this time decreased again. Anyone would be upset as the amount owed vs credit limit is one of the equations used to help base credit scores. I asked the Citibank people to place notes on both card XXXX and card XXXX. They only offer for me to call the Executive Response Office after XXXX ( XXXX ) XXXX. This team of XXXX XXXX does NOTHING to help the issue or situation. 

THE ISSUE This reflects badly on all three of my credit bureaus. My credit report will reflect negatively if the original credit limit is NOT re-instated to the original amount. XXXX clearly stated that credit balance vs credit limit is one of the heavy weighing criteria that they use for the credit score reporting number. I am completely blindsided as to what occurred or took place causing this issue in the 1st place. I express major concern and empathically request it to be reversed. 

MY DILEMMA If this isnt corrected quickly once it adjusts with the credit bureaus it may worsen inside each credit bureau for months before corrections ever take place thus causing irreputable damage ( XXXX XXXX XXXX ). I have requested ( Executive Administrator assistant ) to hear my concerns and was asked to call the direct line ( XXXX ) XXXX after XXXX EST. I expressed that this is the third time in less than 1 year that I have had major issues and concerns with Citibank. I request it be escalated up to the Executive Administration or a Case Investigator immediately. I still have NOT been contacted back after leaving messages, emails and letters sent via USPS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation