Consumer complaint received 2015-05-16
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (TX)

Citi Credit Card member since XXXX XXXX accounts XXXX & MastercardI have XXXX open active credit cards w/ Citi bank which I pay online. On XXXX/XXXX/XXXX, I paid the wrong account by mistake. A Visa payment of XXXX was due on XXXX/XXXX/XXXX. I paid the Mastercard account XXXX on XXXX/XXXX/XXXX ( MC minimum payment showed {$95.00} ). On XXXX/XXXX/XXXX, I received emailed statement for Visa, I saw past due status and contacted Citi customer service to advise of the mistaken misapplied payment. Agent promptly assisted me and processed payment reversal and stated it would bring my account current. Agent also reversed late fee of XXXX billed XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, received XXXX email notifications of credit line decrease for both Citi Visa and MC accounts. Citi decreased my Visa credit line ~ {$500.00} & MC ~ {$700.00} leaving me {$0.00} for open credit. Shocked by this negative action on my accounts I reviewed the Visa online saw past due of XXXX which I immediately paid. Thought Visa was current per the Citi agent who agreed to process fee reversal on XXXX stating he could reverse late fee since it was now current. On XXXX, I called Cit to request reinstatement Visa and MC credit lines. Spoke w/ credit dept, had to provide an to my update income ( XXXX annually ) and was told no barley missed the ratio ( ratio? Citi proprietary info ). Received letter from Cit shows reason for credit line increase decline debt balances too high for income. On XXXX, received paper statement saw I was assessed Risk Based Repriced APR of 29.99 %. On XXXX called Citi, escalated call to management explained that within 4 days of being past due XXXX time, due to PAYING the wrong account in ERROR, Citi took adverse action and decreased my credit lines by ~ {$1200.00} and increased my Visa APR on to 29.99 %. Reducing Mastercard credit line by {$700.00} when MC has perfect credit performance for life of account. Agent took action apologized for such abrasive treatment and reversed the RBR to the original APR, extended me an APR decrease incentive down to XXXX for 6mths on existing balances and new purchases. I initially declined and requested my credit lines reinstated as this was XXXX mistake and I am am human. I am requesting reinstatement of credit lines because w/ this NEW credit limit to balance ratio it will negatively impact my credit bureau profile. He offered to review account for XXXX if I agreed to a XXXX pull. ( hard credit hit, another negative impact to my XXXX profile. I was notifed on XXXX by Citi letter XXXX was declined because XXXX of my Citi accounts was past due. That is incorrect, accounts were current as of XXXX/XXXX/XXXX ). Mastercard credit line was n't reviewed at anytime for reinstatement. Agent then offered again lower APR promo & stated on new purchases.. I said I CA N'T PURCHASE! Citi took that away. He then offered to give me XXXX Citi Thank You points. I accepted stating again, all I wanted was for my credit lines to be reinstated. I have maintained impeccable credit since XXXX w/ absolutely XXXX missed payments with any lender. I have maintained such credit to hopefully allow for human error. I made XXXX MISTAKE by PAYING the wrong Citi account. I have maintained up till this XXXX error perfect credit performance with both of my Citi credit card accounts. Thought Credit Card Act of XXXX was to protect responsible consumers from this kind of abuse. Banks taking egregious actions on responsible card holders who make XXXX payment error. All I ask is that my Citi Visa and Mastercard account credit limits be reinstated to the {$5000.00} ( each ). Citi has inconsistent lending criteria. Which I feel is a violation for the Fair Lending Act. How I can be approved for an APR reduction promotion for new purchases and existing balances, but because I have too much debt, I am too risky of a card member with Citi Bank and requires them to decrease my credit lines? Please resolve in my favor. Thank you