Consumer complaint received 2018-04-29
Company: CITIBANK, N.A.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I want to make a general complaint about a disturbing trend among large U.S. banks most notably XXXX XXXX XXXX ( XXXX ) and Citigroup which are reportedly using their enormous market power to discriminate against their customers who conduct lawful firearm-related business activities protected under the Second Amendment to the US Constitution. 

These banks seem to be making political statements and using social engineering to act against law abiding citizens by withholding access to credit to customers and companies they disfavor. 

There is also reason to believe that these banks may be using their collection of personally identifiable information ( PII ) to monitor and deny financial services to individuals and companies who are engaging in completely legal and Constitutionally-protected activity. 

As a consumer of firearms and related products, I am very concerned about XXXX and Citigroups antigun discrimination. 

Every American adult likely uses or will need banking services to survive in our modern economy. Law-abiding gun owners have legitimate concerns about possible collusion and collective efforts between banks and/or banks and political advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. 

These efforts also can create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business. Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. No American should be treated as a scapegoat for someone elses crimes. 

We taxpayers footed the bill in billions of tax dollars to help bail out these financial behemoths after the banks reckless business practices brought their companies and the U.S. economy to the brink of disaster. 

Citigroup  received nearly half a trillion dollars in taxpayer-backed guarantees and cash after putting the entire financial system at risk. It was the largest government bailout in American history. 

Citigroups new firearm policies run counter to laws and regulations passed by Congress, and they infringe and discriminate against an individuals Second Amendment rights.

These bank policies should not be endorsed by our federal government. Our government should only do business with companies that respect all of our constitutional rights, including the Second Amendment. 

We need to know more about these banks restrictive firearm policies and any other legal transactions, industries, and businesses they disfavor, prohibit, or boycott. 

I urge you to investigate the business practices of these banks to root out unfair, deceptive, or abusive acts or practices. Please monitor these financial giants for risks to law abiding consumers engaged in lawful commerce for our Constitutionally-protected Second Amendment activities. 

XXXX XXXX XXXX, TN

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