Consumer complaint received 2022-11-02
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Home Depot and CitiBank refused to increase my credit limit. They both compelled me to disclose my social security number which allowed me to access my own credit yet they continue to refuse me an increase. The definition of credit card in the XXXX XXXX XXXXXXXX XXXX is ANY CARD, plate. COUPON book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This shows that my social security card is a credit card and Home Depot and CitiBank accessed that account. Home Depot and CitiBank refusing me to increase my own credit is an adverse action according to the Fair Credit Reporting Act in 15 USC 1681a ( 1 ) ( A ) ( iv ) ( II ) which says adverse action means an action that is adverse to the interest of the consumer. I received a letter from Home Depot claiming they made the adverse decision because my consumer report with XXXX has a freeze. When I requested the credit limit increase, it was not disclosed to me that they would check my consumer reports. I did not consent for them to do so. I have an outstanding history with Home Depot and CitiBank as far as making my payments on time and paying off my balances. Home Depot and CitiBank could have based their determination off that outstanding history alone. The fact that they compelled me to disclose my social security to allow me to access my own credit is enough to allow me to determine what my needs are. It is not Law that corporations must be allowed to view my reports. It is law however that they request permission to do so. Not only is Home Depot and CitiBank viewing what should be my private transactions, Home Depot and CitiBank are making reports to consumer reporting agencies without my consent nor authority to do so. This is a violation of the Fair Credit Reporting Act and the XXXX XXXX XXXX in 15 USC 6802Act. While Consumer reporting agencies have assumed the role of assembling and evaluating consumer credit and other information, I did not consent to any of it. My private transactions should remain private. They have violated my right to privacy. This can not be undone. Home Depot and Citibank have made negative remarks to consumer reporting agencies which have caused me adverse actions in other areas of my private life. The Fair Credit Reporting Act was created to protect me and assure consumer reporting agencies meet the needs of consumers in a fair and equitable to the consumer. Their actions have been fair nor equitable to me. I am a victim of identity theft which is why I placed the freeze on my reports. Per 15 USC 1681g ( a ) I need to request my complete file as defined in the Fair Credit Reporting Act in 15 USC 1681a ( g ) the term file when used in connection with information on any consumer, means ALL of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. I need al this information to verify accuracy of information in the records in my file and accounts. 12 cfr 1002.2 says an open ended credit means credit extended under a plan in which a creditor may permit an applicant to make purchases or obtain loans either directly from the creditor or indirectly by use of credit card. This further shows that my social security is the consideration to my accounts. 16 cfr says creditor is a person who in the ordinary course of business, lends purchase money or finances the sale of goods or services on a deferred payment basis, provided such person is not acting for the purposes of particular transaction, in the capacity of credit card issuer. This further shows it is not CitiBank who provided to credit since this code says the credit card issuer isnt the creditor.

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