Consumer complaint received 2022-09-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX XXXX I applied for an accepted credit card through Citi Bank application ID : XXXX and was wrongfully denied. According to Citi Bank the reason I was denied was because " too many recent credit inquiries on your credit bureau report '' this statement is unclear and doesn't provide specific information as to why I the consumer am being denied under the Equal Credit Opportunity Act 15 U.S.C. 1691 ( d ) ( 3 ) as this was not a specific reason because they didn't tell me the specific " inquiries '' they claim are on my consumer report. On the letter Citi Bank further states " our decision was based in whole or in part on information on a report from the following consumer reporting agency : XXXX '' so they based their decision off a consumer report from XXXX?, Citi Bank further states that XXXX played no part in the decision even though they provided the information. How they had nothing to do with my denial yet you obtained my information from XXXX and used it against me? Citi Bank sent me a generated response to the Adverse Action taken against me and I don't accept this response due to the fact that it is false, misleading, inaccurate and confusing. 

The response is false because I have no " inquiries '' on my consumer report being furnished by XXXX. It is misleading because Citi Bank is attempting to create a false sense that I do not qualify for my right to extend credit. It is inaccurate because there are no " inquiries '' on my XXXX report so what is " too many inquiries ''?. I am confused due to the contradicting response I have received from Citi Bank and as an applicant I am being discriminated against 15 U.S.C. 1691 ( a ). 

I for a fact know that there is no valid or specific reason to why I am being treated less favorably than other applicants due to the fact that I did not find any rule or stipulation that states Citi Bank can deny my application due to " too many inquiries '' especially when there are no inquiries. 

I also can't seem to understand how or why I would be treated this way as I am in fact the Original Creditor 15 U.S.C. 1602 ( g ) using my credit card 15 U.S.C. 1602 ( l ) to extend credit to Citi Bank in order to create an accepted credit card 15 U.S.C. 1602 ( m ). How can you place a deny me for something that doesn't belong to you and you didn't create? 
besides credit is a right granted 15 U.S.C. 1602 ( f ) not a privilege or benefit that Citi Bank gets to administer with no regard to federal law.

This is a clear case of discrimination according to 15 U.S.C. 1691 ( a ) as I am not being considered as an applicant for exercising my rights under the consumer credit protection Act. This misconduct has caused me to be restricted in my everyday activities and being able to properly provide and take care of my family in this Hyper-inflationary period. This situation has also caused me to lose faith in Citi Banks ability as a financial institution and made me realize that no matter how dependent these financial institutions are on the American consumer they ultimately just use you for a transaction and throw you in the trash like waste, until they need us for bailouts. 

I write this in hope that my concerns are taken seriously, respected and addressed. I hope to amend our relationship and correct the previous mistakes and errors committed against me the consumer. 

Attached is the letter of denial received from Citi Bank, a letter that was sent demanding a reconsideration and a copy of my XXXX consumer report further proving that there are no " inquiries '' on my report.

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 non-monetary relief