Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NC)

I opened my first Citi credit card in XXXX. Since then I have opened XXXX cards. I have never been late on a payment. I have never missed a payment. I have never been late or missed a payment on any credit card in my entire credit history throughout all XXXX credit agencies since my credit history began. The dates I will be quoting are from my XXXX credit report. On XX/XX/XXXX Citi lowered XXXX card limit from {$3000.00} to {$500.00}. This was a brand new card that I got for the bonus miles. That was no longer possible due to the lowered limit. Next, on XX/XX/XXXX, Citi lowered another card from {$6000.00} to {$4400.00}. The previous usage was 71.58 % and the new utilization became 96.89 % with the decrease. This was a specific issue because I had opened a dispute on this card on XX/XX/XXXX for {$2000.00}. Citi has still to this day XX/XX/XXXX, denied my dispute. I have reopened it XXXX  times. This is a very upsetting issue. I followed all instructions from Citi and there is no reason for these denials. I've never been contacted by the disputes dept regarding my cases once. I will be making a different complaint regarding that dispute. Through the summer I fought with Citi about reinstating my limits and how these actions were causing high utilization which lowered my credit score.That did not work. Then, on XX/XX/XXXX, Citi lowered my original card which was opened in XXXX, from {$7000.00} to {$5800.00}. The Previous usage was 83.7 % and the new utilization became 99.9 %. The XXXX and final card I have with Citi is the kicker. On XX/XX/XXXX Citi lowered my {$10000.00} limit to {$300.00}. My previous usage was 0.74 % and the new usage was 47.33 %. Now, this all caused the most amazing waterfall effect to my XXXX XXXX that I think existed. If this is not credit abuse, I don't know what is. The excuse given to me was high utilization. Well. I believe that Citi caused this on every level. You can see the chasing trend on my credit report. They would decrease my limit. Then wait until my credit report catches up on the findings. Then do it again claiming the reason is high utilization as the cause. They were causing extremely high utilization. They then continued that trend and blamed me. My credit dropped over XXXX points in XXXX  months. It went from Very good to poor. I complained to the XXXX. XXXX  did recommend I come here. Citi offered the solution of reapplying and requalifying for higher credit on my cards. I then asked if they realized what was done? If they already knew that wasn't possible because my credit was demolished now because of the actions Citi took? They said yes, they knew that. So we agreed that was not an actual option for me and they apologized and wished there was a solution. I worked hard to build my XXXX XXXX and available credit. I stayed so diligent all these years paying on time. I upheld my end of the credit card agreement. you give me credit, I spend it, I pay for it. I am a ( very ) small business owner and single mother to a XXXX XXXX student. To take all of this from me is taking my air! Whatever documents that are wanted or needed I will submit. Please ask. I have everything.