Consumer complaint received 2019-03-08
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX we sent a letter to Citi Banks customer service office and their executive office in requesting a good will adjustment of a late payment reporting from XX/XX/XXXX. The basis of our request was that we have a XXXX year old son who suffers from XXXX XXXX which inhibits his ability to XXXX and XXXX. We recently have sold our two story home to transition to a single story home for his safety - we are in the process of trying to obtain a mortgage. In the letters sent to Citi we clearly made them aware that our son is XXXX and we were suffering a hardship with trying to obtain the mortgage - ergo the request for the goodwill adjustment. Included with the letters were two photos of our son as proof of our claim and reason for request. On XX/XX/XXXX we received a call from XXXX XXXX with Citi 's executive office. I again explained my circumstances to XXXX and she told us there was nothing she could do. During the call XXXX and I argued the validity of the late reporting and the accuracy of what Citi was reporting to the credit bureaus, The call ended on bad terms. After this conversation we ( my wife and I ) made the decision to sell our pickup truck to pay down this account to reflect better on our credit reports. On XX/XX/XXXX we took the proceeds of that sale and made a {$4500.00} payment on this account brining our total usage down to {$3400.00} of the available credit limit of {$8000.00}. Today I received an email with a notification that our credit limit was being reduced from {$8000.00} to {$3200.00} - less that what is actually on the account! In reading the letter it cited that the reason for the decrease was due to factors on my credit report. Admittedly my credit was in poor condition which was the reason for the initial call, but since this account has been open my credit report and score has been less than what it is now. It was suspicious that this decrease came on the heels of making my request to Citi and my disputes against them with the credit bureaus, and notifying them that I have a XXXX son and am in a hardship. The fact that my credit has been much poorer during the time that this account has been opened and the limit has not been decreased leads me to reasonably believe that this action is being taken against me to be punitive and discriminatory towards me given the information they had and the timeframe of the events. I again reached out to XXXX XXXX today and advised her of my issue and complaint. Again XXXX was not helpful and said if I felt I was being discriminated against I could advise them in writing. Please consider this complaint notice that I feel as though I am being discriminated against based on my situation and having a XXXX child. The timing of the events with this account are too well matched to the unpleasant phone calls and information being provided to Citi to be coincidence.

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