Consumer complaint received 2023-12-08
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX  Below is a complaint I filed with the CFPB orginally and I received an email from Citi saying, " we didn't do this. '' Case closed by the CFPB. Not even close. 

Besides the offenses they committed below we can now add FRAUD and BAD FAITH. I had a SIMPLE request and I called the Executive Response Team-Sound Very Important huh? Bunch no good do nothings liars. I requested copies of my original Credit Card Agreements for the Exxon Card and the Two Citi cards. I requested this because I was told repeatedly told me they did nothing wrong- no Discrimination, Defamation, Predatory Lending, Retaliation, and now Fraud and Bad Faith. I wanted them to produce the agreements where I would ever agree to be treated this way. I was told THREE times on three calls those would be sent. Then, I was told they were mailed on XXXX and to wait a couple of days. 

Yesterday, I received an email from the lying Executive Response Team stating these exact words : " We respectfully decline to provide the requested agreements, and then they made the point I could obtain them through Subpoena. '' ( Meaning, XXXX XXXX. ) I'm going to do so much more than that. So, they mailed them on XXXX  and on XXXX  I receive an email stating they respectfully refused to provide them. So which was it? Did they LIE when they told me they sent them on XXXX  or did they MAGICALLY retrieve those three agreements in the billions of pieces of mail? 

Either way, XXXX XXXX  are begging to be made an example of. I am just that guy. Do you want know why they respectfully declined to send agreements I signed or agreed to? BECAUSE THEY DON'T EXIST AND THEY KNOW IT. OUT AND OUT LIE-WHICH IN BUSINESS CONSTITUTES FRAUD AND BAD FAITH! Goody, more legal claims for me! And, what is so much fun about this, its all documented. 

Now, The Consumer Financial Protection Bureau states these exact words ( from their website ) - " A financial institution must submit the credit card agreement, which is defined as the written document or documents evidencing the terms of the legal obligation, or the prospective legal obligation, between a card issuer and a consumer. '' Well CFPB, time for you to do your job right this time, they refused to provide the agreements which is my legal right to possess and for them to provide. Make em do it! Complaints are in with The Attorney General, State and Federal, FTC and CFPB. CFPB- Don't you want to know why Citi thinks they can spit on their obligations to your Bureau and to me? 

And to you Citi, you want to fight me? Let 's do it. You picked the wrong guy. A Class will be formed within a week because if you did this to me you did to others. Let 's dance! 
If they are any consumers that wish to contact me and speak of any similar treatment by Citi stand apprised, I will have more information if these idiots at Citi don't do this right, I will make this my project full time and not rest until Justice is done and that looks like a Judgement against them in a Class Action Suit. 


XXXX XXXX XXXX XXXX Texas. 


That would be them Original Complaint Submitted and shown as resolved?! Who are you kidding? 


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YOUR COMPLAINT I have/had 2 Citibank credits cards, both for over the years. My payment record is perfect. I lost my job over a year ago. We were in financial trouble. I always try and maintain relationships. In XXXX fo XXXX, we had an unexpected medical problem. It was hard enough not having a job. I knew I was going to be 2 ( TWO ) days past due on my Citibank payments. I called them to give advance notice and to assure them they would get paid. On that call I was told I was a GREAT customer, never late in all these years. That there was a grace period and I didn't even need to call them. I found out in the most humiliating way Citibank lowered my available credit on BOTH cards to about {$100.00} above whaw I owed. Prior to that, I had several XXXX dollars of available credit on both cards. Not having a job meant I did most of the chores including going to the grocery store. I found out the cut my available credit because both cards were declined. Just like in the movies, a line was forming behind me. I had no other way to pay. I pleased and apologized to the store clerk and manager. They know what customer service is, they allowed me to go home, get another form of payment and get my cart to the side. Needless to say I called Citibank and asked what they did. These exact words from thier agent, " Oh from time to time we check our customers and issue credit based on several factors. '' When I held her feet to the fire and she admitted it WAS BECAUSE I CALLED AND SAID I WAS GOING TO BE TWO DAYS LATE. THE PAYMENTS HAD BEEN MADE AND CLEARED MY BANK YET SHE HAD THE NERVE TO TELL ME MY ACCOUNTS WERE DELINQUENT. I asked for a supervisor and she would not budge. I found myself begging this woman for her help in putting my available credit back to where it was. She would not. It caused my wife and I great harm and suffering. We have an Exxon/Mobile card for 40 YEARS, NEVER A LATE PAYMENT. About a week after they cut my available credit my wife called and told me she'd been to 2 company owned Exxon 's and both at the pump and inside at the register her card was declined. The card had nearly a XXXX balance. There was no risk of us going over the limit for my wife filling up her car! Of course I called Exxon furious. The agent seemed very confused and she asked me if I had two Citibank cards. I asked her why that was her business and that when I found out Citibank does Exxon 's credit cards! I asked her point blank if they closed my account. She said it appeared closed, was confused and flustered. She asked me to hold and put a supervisor on the line who told me, " there must be a problem with the card readers, your account is in good standing!? '' SHE WAS THE FIRST OF MANY LIARS I'VE HAD TO DEAL WITH. WHAT THIS AMOUNTS TO IS EXACTLY WHAT I SAID, CITIBANK PRACTICES PREDATORY LENDING, AGE DISCRIMINATION, RETALIATION AND DISHONESTY. If anyone else has experienced you should talk to your attorney or look for one to tell this too. This is so illegal, we are looking at Civil and Criminal charges. XXXX XXXX XXXX, Texas Hide full complaint

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