Consumer complaint received 2021-05-23
Company: CITIBANK, N.A.
State: CA
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:
We're two severely XXXX seniors, and I my son 's XXXX for over 15 years! I've had great credit score as of and up to a year ago, precisely, when upon moving to this XXXX XXXX  XXXX, its government failed us, intimidated us, spied on us and even subjected us to criminal acts by the so-called Adult Protective Services & IHSS! My credit score had been and was XXXX! We moved from XXXX 8 miles away, and was not treated this way, or any other place, ever! 

When on my last XXXX truckload I had to unload by myself? IHSS so called representative XXXX XXXX, showed up, unannounced, without any kind of notice, when she was told I no longer live at the XXXX rental address without due process she terminates me on XX/XX/2019! In addition, I had not changed my mailing address and have at least ten days to report a change of address. I have been in dispute since them with IHSS and has lead me to XXXX XXXX and a domino effect of ONLY the liberal banks like XXXX and Citi Bank, either slashed my limits or turned my credit cards off. JUST FOR THESE ONE INCIDENT IT'S TOTTALLY NOT MY DOING BUT THE BANKS INDICATED AND XXXX XXXX AND XXXX! In other words, it has been a financial catastrophe effect because of this one incident. Since, when the government entitlements for my son were shut down, XXXX and all the credit lines were shut down. 

Which brings me to the issue at hand XXXX and CITI BANK! The most devastating act against me affecting us both of us. They repeatedly subjected us to evident Bad Faith, not taking into consideration my 99 % good record! I have pleaded with Citi Bank and have copied their XXXX & XXXX 's XXXX XXXX XXXX! All of this has clearly been XXXX XXXX and XXXX XXXX And XXXX XXXX currently even blocked my emails regarding Citi Bank complaints. 

First, Citi Bank reacts and slashes my {$3000.00} credit limit without proper notice to one third. And then as I had been online last week, Citi Bank sends me an email asking me for feedback. Within 24 hours, again, without proper notice, Citi Bank slashes my limit to XXXX to {$500.00}! These has all been very distressful and offensive and illegal! At one time of at the XXXX store, my card was rejected becasue it went over the {$1000.00} limit when my limit at the time was {$1000.00}! I had to put some items back. The closest XXXX to me is 35 Miles away in XXXX, California. In addition, this XXXX is so badly managed that XXXX the general manager does not stock XXXX with so many items we can't get! We se our wonderful doctor in XXXX XXXX where we initially moved from! When we stop at the other XXXX, we find so many items we can't find at the XXXX store! In addition, every time we go, either they are out of so many items or stopped carrying them! I've emailed XXXX XXXX often and representatives have responded. It was bad enough that XXXX announced that their product was infected. By the time I found out I had been infected half a dozen times with XXXX XXXX 

It has all been financially devastating, leading to losing thousands upon thousands of dollars, not qualifying for lower rates for refinancing and so many opportunities. But XXXX has not been responsive or responsible for Citi Bank. There are at least 10,000 complaints online regarding Citi Bank and has been sued! I'll be next! 

I had been so troubled that finally today I came up with a solution in which Citi Bank XXXX would care less that I XXXX elsewhere. In fact they prefer it becasue I speak up! I have been an executive member with XXXX before it was XXXX XXXX and before then XXXX! 

Today I joined XXXX XXXX XXXX, even though it's 75 miles away from here. Just to be able to save and make ends meet for my son and myself! CEO 's email address : XXXX : XXXX XXXX : XXXX XXXX Citi Bank : XXXX XXXX XXXX : XXXX and Citi Executive Response Unit : XXXX ; XXXX and other officers are : XXXX XXXX XXXX ; XXXX XXXX, XXXX, XXXX XXXX : XXXX. 

I had not complained about XXXX becasue I was trying to see if Citi Bank responded, but the only thing they say is, denial, denial and denial. Discriminations, lying and victimizing seniors is 2nd nature to them, according to all the complaints online! 

And now I'm holding XXXX responsible ; since, they are contracting with Citi Bank! Since, neither XXXX Cares! 

Even after the government entitlements were fixed after my complaints, Citi Bank and XXXX don't care how badly we're being victimized! They are surely violating our ADA rights! 

Therefore, Citi Bank and XXXX has double victimized us after the government, they continued the path of hurting us without a valid cause. One thing is to be a strictly numbers entity and another thing is to be conscientious number entities! They sure have the " doing the right thing '' intention and do good for others, as their Mission Statement States! The spiritual and trust in XXXX ingredient is badly and unfortunately missing. Just take a look at their customer reviews online. They are no good. As an inactive XXXX XXXXr XXXX and XXXX XXXX XXXX, all of these is beyond my comprehension! Bad business practice should never be practiced! I HAVE NEVER, EVER MADE THEM MY PAYMENTS LATE AND EVEN HAVE HAD TO MAKE ADVANCED PAYMENTS. I DO THANK THEM FOR HAVING NOT 3 VERY INTEGRAL BANKS! 

I have 3 Citi Bank credit card accounts and Citi Bank has slashed all 3 of them! The last limit reduction was done after my true feedback to them!

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