Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NJ)

Second complaint related to this case. Follow up of the complaint that was closed by Citi bank case number XXXX. 

I asked to Citi bank, in the explanation above, a clear and personalized reason of WHY, Im not able to apply for the Strata credit card, IM NOT COMFORTABLE with a simple response like : Length of time accounts have been established on your credit report Thats not a valid answer for any customer. I feel discriminated, excluded and offended. Respectfully im requesting to CITI bank to provide me with THE CLEAR RESPONSE to each point related to the denied, if youre saying that my length of time is not enough, please let me know WHATS THE MINIMUM, in time to be able to apply and submit the application. 

What CITI bank did for this complaint was copied and pasted the same response that was provided on the denied letter. Youre not reviewing or providing me with a personalized response. 

That is an insult and a waste of time to evade my questions. 

on XX/XX/XXXX, I applied for a Citi XXXX Credit card on the Citi Official website by the application XXXX. The application got denied and the reasons are not specifics or clear. I demand to Citi bank under the Equal Credit Opportunity Act and Fair Lending Laws, to take my application to reconsideration by a physical person and not an automatic system 2 min answer. Attached my XXXX credit report with the denied letter as a proof and backup of this claim. The reasons of the Denied application are : *Length of time accounts have been established on your credit report. 
*Your credit report shows too many recently opened accounts. 
** Your credit report shows too many recent inquiries. 

My Counter-Response to the Grounds Set Out Above : 1= My credit Score is XXXX. By the time of the credit card application was XXXX, it dropped because of the Citi bank hard inquiry. 
2=*Length of time accounts have been established on your credit report. XXXX : I'm a US citizen , who was born In USA but grown in XXXX XXXX , I came to the US 3 years ago, since I came to this country, I stated building credit with different credit cards and a car loan that is paid off already. No late payments or delays in any of them. If theres a minimum of reported years established by your internal policy, please provide me with the real number to understand this decision. 
3= *Your credit report shows too many recently opened accounts. XXXX : I have few credit cards open, to build credit, they have no balance, some of them are close and I can provide with a documentation if need it, the ones that I keep open are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Five credit cards in total, No late payments or delays in any of them. If theres a minimum of opened credit cards, loans, or line of credits established by your policy, please provide me with a REAL number of a maximum of active credit products to be eligible for a Citi Credit Card. 4=** Your credit report shows too many recent inquiries. XXXX : My last inquiry was CITI CARDS CBNA on XX/XX/year> that is this claimed application, before that I have XXXX XXXX ( XXXX XXXXXXXX XXXX ) on XX/XX/year>. No other hard inquiries for this Year, if theres a maximum of hard inquiries by customer within a year or in the last years, please provide me with the real number to understand when to re-apply for the card. 5= I work as a personal banker for XXXX XXXX , Ive been in this position for 2 years and a half I can provide with paystubs as need it. Currently renting {$600.00} per month. And my annual salary is around {$66.00}, excluding incentives and bonuses.