Consumer complaint received 2021-11-11
Company: CITIBANK, N.A.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had a citi card for over 5 years. Through the pandemic I racked up charges almost maxing may card out. I recently came across enough funds to pay the card off in full on XXXX for {$2900.00}. To my suprise, I was " locked '' out of using my card as I made too large of a payment for it to clear within 3-4 days. so they said it would take 2-3 weeks for my funds to become available. ( lets not forget the fact that I had maxed the card out due to the pandemic. I paid it off to help me, and pay back my debt ) to which I was punished for making such a large payment. I called and supported my claim as I needed to have access to those funds. had I known I was going to be forbidden to use the card for paying it off I would have made the measly {$25.00} payment ( BUT THATS WHAT THEY WANT!!!! ) so I called to complain. XXXX XXXX  the supervisor there simply said " well that's all I can do '' Literally after days of the funds becoming available, I received an email that my credit limit went down to {$500.00} from $ XXXX. I became super angry as this is PURE PUNISHMENT FOR PAYING MY CARD OFF AND NO ONE CARESSS!! I called to express my complaint and tell the rep " this needs to be fixed, I need the card back to the XXXX limit, or I want to close the card. the rep just proceededs to close my card without any help or looking into getting me my XXXX limit back. he didn't care!!! I chatted with them Monday to make sure the card wasn't reported as closed so that it wouldn't affect my credit. the rep on chat promised the card would report as closed and that I would get an email to call back and open my card. I called today, and got completely different information. I spoke to the initial rep an she stated " he was so sorry for what had happened, and that he wanted to be upfront and honest, and wanted to do the best to help me, but he would have to pull my credit again, I stated I did not wish to have my credit pulled nor do business with a company that has pulled such Nasy tricks on a good standing, on time paying consumer. when I spoke on chat, the rep stated " rest assured this will not affect your credit and you will get an email so you can call and open you card '' I followed up today to find out the whole company is a lie! if you are a good paying customer, don't do business with them, they want the poor, who makes minimun payment, to get the most $ out of you!! max your card out, we love that!! but pay it off and you are reprocussioned. I hate citi. and I chose to never do business with your company again! and I will make sure all future latinos in my community dont provide you business as we are deserving of what we worked for!! what a time to be alive and be able to speak my peace! influence is so huge ; I influence in the credit world in the XXXX community and this is completely unacceptable ; as I will not allow this to define me or a company affect my credit score negatively when they failed to do their JOB. the interest WE THE PEOPLE pay is what keeps your company afloat.

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