Consumer complaint received 2022-08-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My Citi card recently decreased my credit line from {$20.00} to {$8600.00} for {$12.00} Below please find my email to Citi and their email about their decision.In addition my XXXX  XXXX score Is XXXX XXXX XXXX XXXX To : XXXX Thu, XX/XX/XXXX at XXXXXXXX XXXX You decreased my credit line by XXXX, based on XXXX report. 
Thus ruining my score dramatically, I am ( was ) your customer since XXXX and never had late payment, always paying more than minimum. I called the customer service XXXX for some reason he closed my account when i made and making the monthly payment always on time and more than the minimum, never been late And i am going to report this issue to FTC and Consumer Financial Protection Bureau CFPB and Attorney general also XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX original message On Thursday, XX/XX/XXXX at XXXX XXXX PDT, XXXX XXXX wrote : Citi XXXX XXXX : XXXX XXXX XXXX Since : XXXX Account ending in : XXXX Dear XXXX XXXX : There was a recent review of your account and credit information. As a result, we have revised the credit limit to {$8600.00}. Your current account balance is {$8400.00} Our decision was based, in whole or in part, on information obtained from the following consumer reporting agency : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Please note, other than providing information, the reporting agency played no part in our decision and is unable to supply the specific reasons why we decreased your credit limit You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. We encourage you to review your credit report for accuracy. 

We're online Please visit Citi Online to view your current account information. If you've enrolled in Electronic Communications, please check the Document Center for more information. Otherwise, a letter has been mailed to you and should be received within the next 7-10 days. This is the most up to date information available to our credit specialists. If you find any information in your credit report that is inaccurate or incomplete, you have the right to dispute the matter by contacting the reporting agency at the address or phone number above. If your credit report changes as a result of a dispute, please give us a call within 60 days so we can re-evaluate our decision. 

Sincerely, XXXX XXXX  View Your Account Pay Your Bill Contact Us Email XXXX XXXX  At the top of this message, you'll see an Email XXXX XXXX. Its purpose is to help you verify that the email was indeed sent by Citi. If you have questions, please call the customer service phone number on the back of your card. To learn more about online fraud, visit accountonline.citi.com and click " Security '' at the bottom of the screen. 
Privacy | Security Email Preferences This message is from Citi Cards. Your credit card is issued by Citibank , N.A . If you'd like to refine the types of email messages you receive, or if you'd prefer to stop receiving email from Citi Cards, please click here. Citibank manages email preferences by line of business. Changing your email preferences with Citi Cards does not change your email preferences for messages from Citibank 's other businesses, which include retail branch banking, among others. 

Should you want to contact us in writing concerning this email, please direct your correspondence to : Citibank , N.A . Customer Service po box XXXX XXXX XXXXXXXX XXXX XXXXXXXX Help/ Contact Us If you have questions about your account, please use our secure message center by signing on at accountonline.citi.com and choosing Contact Us from the Help/ Contact Us menu. You can also call the customer service phone number on the back of your card. 

XXXX Citibank , N.A . 
All rights reserved. 

Citi, Citibank and Citi with XXXX XXXX are registered service marks of Citigroup Inc .

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