Consumer complaint received 2017-05-18
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On  XXXX   XXXX ,   XXXX   I was notified by email that my credit limit had been decreased on my existing CITIBANK credit card , by Citibank, N.A.,   XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX   SD  XXXX . The reason cited was that my credit report reflected a " substantial number of debts owed to other creditors ''. iWhen I applied for the credit card, I held the same number of creditors and was approved for the card. I am current with payments, I make higher the minimum payments, am not in default with this or any other creditor, I have no collections, hold a 100 % payment history with this and other creditors. I have received unsolicited credit limit increase in my credit limit. I contacted a Citibank line manager regarding this decrease and was given the reasons stated above, based in part by reporting of   XXXX   XXXX   XXXX   XXXX   . I  explained that this report had been in dispute for some time with  XXXX , an d    XXXX   XXXX   XXXX   XXXX   XXXX   I reported that there was indeed approximately a  XXXX  poin t credit score  spread between theses two agencies and  XXXX  largely because both  XXXX , and  XXXX   XXXX  are reporting my home mortgage as an installment loan with a high balance rather than a home mortgage as it should be. My home Mortgage lender has called, wrote letters, and attempted to have   XXXX   and  XXXX   XXXX  correct the installment loan reporting to reflect a Home Mortgage to no avail. I also noted that this so called " occasional periodic credit report check, directly coincided with my  XXXX  birthday several days ahead of this credit limit adjustment, I AM ALSO A   XXXX   XXXX   XXXX   XXXX   and  may  in fact be a form of  CITIBANK  discrimination. No other creditor has made such an adjustment, I maintain higher credit limits with regular unsolicited increases, and as previously stated, are current, and likewise with no missed payments. On  XXXX   XXXX ,   XXXX  , just 4 days after receiving the decreased credit limit notification I received another email from Citibank which reads on the subject line " Notification : Dear  XXXX , we appreciate your loyalty -view THIS limited time offer '' this was a solicitation to apply for a AAdvantage, Platinum Select, World Elite,  Mastercard   XXXX  I get these invitations regularly from Citibank and am confused as to why I am asked to spend more, apply for additional cards, or otherwise am encouraged to use my  Citibank  credit card and at the same time find it hard for Citibank to justify the CREDIT DECREASE. As previously stated, I am not in default nor have I ever been with this card ( or others I possess ), I have no past due discrepancies, and do not understand on what  Citibank  has based their unfounded decision. Utilitie bills, mortgage, insurance and other debt also reflects 100 % payment history. Could my age have been a consideration? is there some other reason why Citibank chose to make this so called " periodic review '' and determination?

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