Consumer complaint received 2015-05-08
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (TX)

I applied for a Citi XXXX XXXX on XXXX XXXX. After the credit application process was done, I was denied the credit. That was fine. I received the denial letter with the information concerning the application. As I read the letter it stated that they used Experian as the CRA to help them determine the application. Then it told me that if I sent an UPDATED copy of my credit report within 30 days, that they would re-evaluate `this` application. I was already in the process of getting some things corrected on my credit reports. Once I received the corrected reports I then sent them that updated copy as they noted to do so in the letter to their XXXX XXXX address. I sent it certified 2 day priority mail on XXXX XXXX. Upon reviewing my credit report today XXXX XXXX, 2015, I noticed a new hard inquiry on my credit report from XXXX. I could n't understand why that was because I had not applied for anything with them since XXXX XXXX 2015. So I called them to question this issue. They claimed I requested a new application because I sent them an updated copy of my credit report. That is FALSE. I did NOT authorize a new application nor a new hard pull from my Experian credit report. Their response was that a re-evaluation of a credit app requires a new hard pull for which they did not notify me or request my permission to do so. Further more why on earth would you ask me to send you my most recent updated credit report, which I did, if you were going to do a hard pull anyway and not use it. That makes no since. Also if I only had 30 days to re-evaluate, and if I missed that deadline, and today being XXXX XXXX, then it should not have been done to begin with. I did not agree to a new application. This is a very deceitful practice and very dishonest. Below at the bottom is an excerpt of the denial letter sent to me showing that they only required an UPDATED hard copy be mailed to them. Nothing mentioned that they will unnecessarily rerun my credit or that it is a part of the process. The credit lady I spoke to XXXX ( And I do have the employee ID if needed ), was unwilling to help me with this because this was clearly unauthorized. The letter I provided with the credit report shows that I was also under the assumption the purpose of the report I sent was for the purpose of re-evaluation. I do not want and will not have that unauthorized inquiry dated XXXX XXXX 2015 on my XXXX report. 
________________________________________________________________________________Important information for youOur credit decision was based, in whole or in part, on information obtained in a report from the following consumer reporting agency : XXXX XXXX XXXX, TX XXXX XXXX ( 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 denied your request. 
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. 
You also have a right to a free copy of your credit report from the consumer reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have a right to dispute the matter with the reporting agency listed above. 
If your credit report contained incorrect information, please send us a complete copy of your updated credit report within 30 days to the following address so we can re-evaluate your application : Citibank , N.A . 
XXXX XXXX XXXX XXXX, XXXX XXXX sure to include your name, address, and the Application ID XXXXXXXXXXX