Consumer complaint received 2017-09-22
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX 's is performing unscrupulous acts and tactics on my account. They are increasing my credit and then when I try to utilize my account they flag it, embarrass me in the store, change my account information Without my knowledge and have me undergo a litany of security measure with Foreigners ( offshore personnel ). This same or similar issue has happened 3 times now, which is unnecessary and excessive. 

I have been documenting the things XXXX 's has been doing on my account since inception. I have conducted myself responsibly, morally and ethically with my credit account with XXXX 's, but they have not. I was contacted on XX/XX/XXXX while attending Church services before XXXX from XXXX 's credit services in Ohio XXXX which was a Sunday morning. They ( XXXX 's ) claimed they wanted to ensure I made the purchase for {$520.00} on my account, although the purchase was coming to my home address, the same listed on my account. Meanwhile, I just made a purchase on XX/XX/XXXX for {$1900.00} and had No issues in the store. XXXX 's is well aware I do a lot of shopping period, but especially between XX/XX/XXXX- XX/XX/XXXX of every year with them, due to their Thanks For Sharing program they solicit for me to sign up every year. They solicit me personally in the store, as well as, at home via phone and mail. They also increase my credit limit every year to encourage me to shop. Then when I shop they block the card while I 'm IN THE STORE ask to speak to the salesperson and me personally, ask me very personal questions about my Mortgage, Vehicles and other things that really have nothing to do with my identity. While in the store I have Multiple forms of Valid indentification which they NEVER ask for and I have to wait 45 minutes or more each time. Is very humiliating disrespectful and inconvenient for me to sit and go to this process if they felt that I was not who I was then why keep giving me credit increase is without my consent with my authorization with my request if I ca n't use it without going through this embarrassing process me each time! Then to add further insult XXXX decided for my protection ( after verifying everything completely and confirming My indentity ) they would block my current credit card, reissue a NEW card without my knowledge or consent. Which would have led to further embarrassment. There is only 1 way I will agree to resolve this and this is a settlement offer from them, or I will pursue further action and I will demand MORE. I have abided by the mutual contractural agreement, overpay every month and on time, but I 'm being abused and mistreated, this can also negatively adversely effect my credit when my credit card account number keeps changing without my consent or a valid reason, which will appear with all 3 major credit reporting agencies.

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