Consumer complaint received 2023-02-08
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Date : XX/XX/XXXX To XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Washington DC XXXX Dear Sirs, Sub : Discrimination of Citi Bank towards credit card application Ref : Credit Card Application No : XXXX I applied for a credit card ( Citi Advantage Platinum Select XXXX XXXX XXXX  XXXX  ) on XX/XX/XXXX and I got a letter from Citi Bank XXXX XXXX, XXXX XXXX  XXXX  XXXX, XXXX XXXX, SD XXXX ) stating that my card application is declined based on the credit report, 1. Your credit report shows a high amount of unused credit compared to your available credit lines. 2 Your credit report shows you have recently opened one or more accounts Then I contacted XXXX credit agency and I received a copy of my credit report. I checked the Credit report and found that I did not open any accounts in the last one year. There was not even any single inquiry after XX/XX/XXXX. Also, I understand that in order to improve my credit score, I should always keep my credit card usage under 2 %. Instead of appreciating my lower usage of credit lines, they used it as a reason for declining my card. 
Even the credit agency ( XXXX ) can not find any account opened in my name. 
Even I called the Citi Bank customer care and after transferring so many agents, spoke to XXXX and she said I should contact XXXX. I told her that I already did that and since the denial letter from Citi Bank is absolutely wrong, I informed her they discriminated against me In order to prove that declining my credit card application is an act of Discrimination against me, I applied again on XX/XX/XXXX and as I expected they declined my card saying the only reason as multiple applications for credit. They did not mention anything about the false reasons they mentioned in the first declining letter I am sure that somebody sitting in their office is doing purposely may be because of my XXXX origin. I have excellent credit score with XXXX and XXXX. Never missed any payment for any credit card or loan If they have no plan to give me credit card, why they are sending me the offers and putting hard enquiries to my credit file so that my score will be decreased. Based on their advertisement saying that I will get 50,000 miles after spending {$2500.00} in the first three months, I applied for the credit card I want you to intervene in this matter and ask them to 1. Immediately withdraw their inquiry sent on my credit file which negatively affected my credit score.

2. Tell them not to run my credit in future without my consent and never send any more offer letters or advertisements to me 3. Since they treated my credit file misused give me a compensation of {$500000.00} at the earliest and I was never declined by any other Banks.

4. In fact I did not apply by myself. XXXX XXXX invited me to apply as I am one of their frequent flier number holding person I am attaching the two letters received from Citi Bank declining my credit card application and you can see the reasons for declining my application are baseless. 
Hope you will look into this matter seriously as there should be some standard norms in approving or denying the new credit cards to bona fide citizens or United States of America and they should give me the correct reason behind declining my credit card application I need justice in this discriminating action by Citi Bank at the earliest. 
Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX Email : XXXX Tel : XXXX XXXX XXXX

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