Consumer complaint received 2022-07-27
Company: CITIBANK, N.A.
State: VA
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:
Let the record reflect, that I, : XXXX XXXX XXXX, a living woman, the consumer in a credit transaction with CITIGROUP INC. , come with clean hands and in good faith to exercise my rights under the 12 CFR PART 1002- EQUAL CREDIT OPPORTUNITY ACT ( REGULATION B ) .CITIGROUP INC., is in clear violation of the Equal Credit Opportunity Act ( Regulation B ) because of the fact that myself, the original creditor, the natural person, has in good faith exercised my right to extend my credit under the Consumer Credit Protection Act, and is now being discriminated against for the usage of my credit. Below are examples of their violations. 

CITIGROUP INC. processed and applied my written instrument remittance coupon paper check payment of {$5300.00} on XX/XX/2022 which reflected my account on XX/XX/2022 but later reversed the payment leaving me with an outstanding balance. 
CITIGROUP INC. updated my account on XX/XX/2022 denying me of my right to a credit limit increase. 
I requested for my credit to be extended, however an adverse action was done against me by not only denying my right to extend my credit but lowering my credit limit that was previously granted. 
The Equal Credit Opportunity Act ( ECOA ) prohibits discrimination in ANY aspect of a credit transaction. It applies to but not limited to, ANY extension of credit, including extensions of credit to small businesses, corporations, partnerships, and trusts. The ECOA prohibits discrimination based on the applicants exercise, in good faith, of any right under the Consumer Credit Protection Act.

I have sent a total of 3 Notices of 12 CFR Part 1002 - Equal Credit Opportunity Act Discrimination Violation letters including a Special Power of Attorney revoking and terminating CITIGROUP INC . Arbitration Agreement which were sent and received by CEO XXXX XXXX on XX/XX/2022 at XXXX am. ( XXXX tracking number XXXX ) and also received by their registered agent, XXXX XXXX XXXX XXXX, on XX/XX/2022 at XXXX am. ( XXXX tracking number XXXX ). 

The final notice was sent and received by XXXX XXXX, CEO of CITIGROUP Inc. on XX/XX/2022 at XXXX pm according to XXXX tracking number XXXX XXXX XXXX XXXX XXXX as well as Registered Agent , XXXX XXXX XXXX XXXX  on XX/XX/2022 at XXXX XXXX according to XXXX tracking number XXXX XXXX XXXX XXXX XXXX. 


As of today XX/XX/2022, CITIGROUP INC. has not responded back to any of my claims and have failed to meet the following demands listed in my notice letters and is now at fault : I am demanding my {$5300.00} credit remittance coupon payment be credited and reapplied onto my account no later than XX/XX/2022, along with future remittance coupon payments to be credited and applied to my account. In pursuant to 15 U.S. Code 1691 ( d ) ( 6 ) states, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement.

I demand for my credit to be extended to a {$20000.00} credit limit no later than XX/XX/2022. In pursuant to 15 U.S. Code 1691 ( a ) ( 3 ) states, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter. In pursuant to 15 U.S. Code 1691 ( d ) ( 6 ) states, the term adverse action means a refusal to grant credit in substantially the amount or on substantially the terms requested. 

I demand for my current balance on my account to be reduced down to {$500.00} no later than XX/XX/2022, and my account MUST remain open. In pursuant to 12 CFR Part 1002.2 ( c ) ( 1 ) ( ii ) it states an adverse action violation is a termination of an account or an unfavorable change in the terms of an account. 
This is my account, this is my credit that I extended out to you, therefore you can not close my account. 


This is my public notice that I tried to settle the matters privately but I am now forced to seek legal action under Sections 702 ( g ), 706 ( a ) ( b ), 704 ( b ) ( c ) ( d ), 706 ( c ), and 706 ( f ) of the EQUAL CREDIT OPPORTUNITY ACT in XXXX XXXX District Court due to the clear violation of my consumer rights pursuant to 12 CFR PART 1002- EQUAL CREDIT OPPORTUNITY ACT ( REGULATION B ). See attached for all original documentation that was sent to CITIGROUP INC.,, and their registered agent.

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