Consumer complaint received 2020-05-03
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citibank/homedepot card dropped my credit limit from XXXX to XXXX. Card is now at maximum. Will not reinstate limit. 

XXXX XXXX  and XXXXXXXX not reporting payment in full or late fee removal as agreed paid XXXX XXXX XXXX/XXXX not reporting payment in full or late fee removal as agreed paid XXXX XXXX  XXXX Paid in full XX/XX/17. Not reported to agency Nj child support payments not received again.. havent recieved any of XXXX payments.. payment in XXXX was all for XXXX. His employer is making payments on time, he is still working. They just are not being processed. This is a normal occurance with multiple calls to nj child support customer service where they say payments are not received. And then they are all issued 4 days later. 

Due to issues with covid 19 XXXX XXXX/XXXX  I used a credit card to buy food for my family myself and XXXX kids and XXXX XXXX ( not this card-another one ) which put account close to limit. Spent @ XXXX for 3 seperate households I had not received my pay from my employer or my child support all paid by state of NJ. Card was paid down for entire amount used in XXXX to provide food for my immediate family my elderly mother and boyfriends aged parents ( with health conditions ). This account was not late. 

Additional payment made of XXXX not showing on credit report. Paid XX/XX/17 I had 2 late payments ( different cards ) XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Due to issues receiving my income sources which have been resolved as of XXXX. I advised Bill-credit management that I would provide statements from said creditors as proof that accounts in question were paid in full and late fees removed and he said all I could do was apply for credit limit increase. I can not due that until corrections show on my credit report and I shouldn't have to apply for credit again. This card was paid on time. 

Again there were issues receiving my income sources due to covid 19 which have been resolved ... and other creditors removed late fee and balances were paid in full. 

It also said there are too many inquiries in 12 months. One was this card in question other card I applied XXXX time. 

I also must note that I did my taxes in XXXX and am awaiting my refund still ... it was mailed return, due to covid 19 I have not received that either. Due to this crisis we can not control what is going on and if still employed we should be allowed some leniency with credit reporting especially due errors and issues with reporting. 

Please note that if I lost my job, I would not even question this ... but I did not. I am still working. I was working with all my creditors due to these issues and resolved them upon receiving payments. 

I did mention this to XXXX  credit manager. 


This is going to ruin my credit. Ido not feel credit card companies should to be dropping credit limits on anyone 's card at this time due to the national emergency we are still facing, not when we are still making payments timely and possibly late due to income issues with not only payroll but unemployment ... 

Everything on my report is due to covid 19 and what is going on and once my incomes were resolved they were corrected. I even used stimulus to pay additional funds to creditors as my payroll had not been corrected when I received it. It is now and has been for two weeks. 

Thank you

Company response to consumer: Closed with explanation