Consumer complaint received 2023-09-30
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
1 ) I am unable to review my application. I believe any denial should rightfully attach what was specifically denied. Essentially I was reviewed based upon income and credit credits credit already established. I would like to make sure these figures are correctly posted so I can verify if any information is inaccurate. I was unable to see this even with a password protected denial thus only generic information exists as if it is a concern for the consumer credit bureau. I would need to verify full info and specifics when comparing to any outside information. 

2 ) I might have input a monthly income total instead of yearly total income on the application. I am unable to verify as to correct or refile a new application or appeal.

3 ) Based on the application that this is generic in nature. If denied I should be able to appeal as to showcase the net worth of myself as to show that I have the ability to pay. Lack of net worth is discriminatory in-nature because it relies on income rather than recognize a person could have received a lump sum payment for government assistance or already has money saved thus has the ability to pay. Income is discriminatory in nature because the application is generic such does not recognize where the income is derived from as more secure than income received from an employer if received from the federal government and also one can not be considered unemployed if receiving certain type of benefits from the government. Thus these factors were not weighed as discriminatory to provide generic income understandings on the application not pegged to a certain reason of where the income is coming from. 

4 ) The credit application is discriminatory in nature where they showcase income but do not recognize the income as if it pertains to a person receiving government assistance income or like SSA income. I believe other credit cards require you to disclose employment status or government assistance program supplying income and this application is quite generic and did not allow understandings of where the income is coming from. 

5 ) I do have a chase account with benefits. Because Good Year Credit card application is mainly a website application rather than offer perks of phone app application that I believe Good Year is recognizing benefits are similar and does not want to provide a credit card where my credit score is good and I have been paying off all credit card debt responsibly thus good year credit card perks are for 6 months deferral of payment thus I believe it is discriminatory to recognize credit card debt as if I am not paying this off correctly as to have a good credit score with the debt obligation thus good year does not want to supply credit card perks of payment deferral because I might be receiving perks on the other credit car which I am successfully paying off thus wrongfully assumes I do not deserve this credit card and perks until I paid off the full debt which is discriminatory in-nature because credit cards compete on XXXX XXXX and that if I have been receiving XXXX XXXX for quite some time that thus credit card application exploits this perk as if I have not been accruing income or have a higher net worth to pay off the debt thus XXXX XXXX is a discriminatory factor among obtaining new credit cards because good year allows 6 month deferral at the XXXX XXXX rate essentially such I would have the ability to pay off debt per my income and net worth or cash readily available as part of my net worth. XXXX XXXX credit card applications thus are discriminatory to recognize any debt obligations are per other perks of credit card which does not showcase that I am unable to pay the credit card correctly but only showcases that payment is not due immediately thus a debt obligation on a XXXX XXXX credit card is discriminatory because I do not have an obligation to pay immediately thus good will would accrue because I was accepted by a competition credit card company to allow XXXX XXXX for longer than XXXX year thus compared to a year of XXXX XXXX that any obligation is quite low but I did not see any specifics noted on these denial thus is discriminatory because good will is achieved by have XXXX XXXX and good credit score as to pay only a required monthly payment. Thus good year discriminates against those who have good credit and good credit terms of XXXX XXXX because a debt obligation does not exist as if I need to pay immediately as to be in jeopardy but is a sign of good will that I am paying off the debt correctly with a XXXX XXXX credit card and that if a XXXX XXXX is ending that it would be appropriate to try good year at their XXXX XXXX and recognize my debt obligation with the previous credit card will be cleared once payment is required to be made after the XXXX XXXX ends per the credit agreement. Thus good year is discriminatory as to showcase a generic credit card application as to entrap their victims with a 6 month XXXX XXXX but fail to recognize the debt obligation is essentially covered and is not a concern for poor credit but excellent credit because the terms allows XXXX XXXX to exist thus without a required payment necessary that debt obligation does not truly exist as if I am missing any payments or paying late. I believed this was an I correct denial to boost their credit reputation against competition thus perks should only be received at XXXX credit card line rather than recognizing that I can transfer to a XXXX XXXX credit card upon a XXXX credit XXXX credit card ending. The former credit card did not allow a renewal of XXXX XXXX thus I can transfer to a new credit card without worry about credit card obligation because the due date shows that I am not required to pay but I am continuously paying off the credit card either way. The denial was too simple and discriminatory as a concern for a generic application to only allow XXXX XXXX for those who do not already have XXXX XXXX as to showcase no debt in most cases owed to a credit card which is also anticompetitive because XXXX XXXX is a staple or marketing ploy that allows a person to sign up but can essentially take on a new credit card upon XXXX XXXX ending even though debt is still not obligated to be paid in full as to transfer to a new credit card without need to transfer debt to the new credit card. Thus a Chase credit card allows a long term XXXX XXXX thus good year will void credit card applications incorrectly as to show bad will upon other competitors offering XXXX XXXX as well and that the debt obligation is not truly owed until payment is due thus credit score is still good which was clearly not reflected with the debt of this credit card that this is good debt not bad debt regardless of how much debt a person has because the debt does not exist until it is required to be paid thus monthly debt is nit required by the chase credit card on a XXXX XXXX plan thus I should not be having bad will or bad faith understandings if good year is exploiting the XXXX XXXX understanding as to require me to pay off the debt in full before receiving a new credit card with the previous credit card company. Discriminatory in nature because it is responsible to sign up for XXXX XXXX thus debt is not accounted for correctly if debt obligations are still under a XXXX XXXX plan where the monthly requirement is not an obligation at all and thus should not be a detriment to my credit quality or score as to not be required to pay and any insinuations of having to pay off the debt before receiving a new credit card for like XXXX XXXX terms is discriminatory in nature as XXXX XXXX is exploited to deny credit card applications wrongfully. 


Denied on XX/XX/2023

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