Consumer complaint received 2026-04-12 00:00:00
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.
State: NC

Complaint narrative:
Re Complaint Number : XXXX I am submitting this response to formally express my dissatisfaction with both Citibanks reply and the premature closure of my complaint before I was provided sufficient time to review the response and submit feedback. My original complaint centered on an abrupt and harmful credit limit reduction of more than XXXX percent on my Citibank account, which occurred without advance notice and caused significant and measurable damage to my credit standing. This action immediately caused my credit utilization ratio to increase to approximately XXXX percent, despite no excessive spending or missed payments on my part. As a direct result of this sudden credit limit reduction, my credit score dropped by approximately XXXX points. This decline occurred solely because my available credit was reducednot because of irresponsible credit behavior. In its response, Citibank characterized my concern primarily as a request for a credit limit increase. This does not accurately reflect the basis of my complaint. While a restoration of the initial credit limit was discussed during a phone call with Citis Executive Response Team as a possible resolution, my original complaint focused on the harm caused by the unexpected credit limit reduction and the financial consequences that followed. Additionally, I was informed that Citibank relied on credit data obtained from Equifax in making its decision. I remain concerned that inaccurate or incomplete Equifax data may have contributed to Citibanks determination to reduce my credit limit. I have reason to believe that the information relied upon did not fully or accurately reflect my true creditworthiness. It is important to note that the credit score referenced in Citibanks response appears to have been generated after Citibank reduced my credit limit by more than XXXX percent. The significant drop in my credit score was not caused by missed payments or irresponsible credit behavior, but rather by the sudden increase in my utilization ratio that occurred as a direct result of Citibanks credit limit reduction. Therefore, the same credit score Citibank relied upon in evaluating my account and issuing its response reflects the negative impact created by Citibanks own prior action. In effect, Citibanks decision created the conditions that caused my score to decline, and that reduced score was then used to justify continued adverse treatment of my account. This sequence raises serious fairness concerns, as the score deterioration was not driven by consumer risk behavior, but by lender-initiated changes to available credit. Furthermore, the increased utilization resulting from the reduced credit limit has caused ongoing financial harm, including higher interest charges and reduced overall creditworthiness. Because my balance now represents a significantly higher percentage of my reduced credit limit, I continue to incur interest charges at an elevated level, compounding the damage caused by the original reduction. Premature Closure of Complaint I am also formally objecting to the closure of this complaint before I was given sufficient opportunity to review Citibanks response and provide meaningful feedback. Closing the complaint without adequate time for my review is unacceptable and prevents proper consideration of the unresolved issues I have raised. For these reasons, I respectfully request that this complaint be immediately reopened to allow for full review of the facts and concerns outlined above. Summary of Original Concerns For clarity, my original complaint included the following issues : A sudden credit limit reduction of more than XXXX percent without advance notice A resulting increase in utilization to approximately XXXX percent A credit score drop of approximately XXXX points caused by the utilization increase Ongoing financial harm through increased interest charges Reliance on XXXX reporting data that may contain inaccuracies Failure to provide a clear and meaningful explanation of the specific factors used in the credit limit reduction decision Requested Resolution I respectfully request that the following corrective actions be considered : 1. Immediate reopening of this complaint for further review. 2. A full reconsideration of the credit limit reduction decision, including restoration of my prior credit limit or adjustment to a level consistent with my established payment history and responsible credit usage. 3. A review of all interest charges assessed following the credit limit reduction, with consideration given to reversing or crediting interest charges that resulted from the sudden utilization increase caused by the reduction. 4. Written confirmation of the specific Equifax data relied upon in making the credit limit reduction decision, including verification that the information used was accurate and complete at the time of the decision. 5. A review of whether Citibank relied on credit scoring results that were negatively impacted by Citibanks own credit limit reduction, and whether corrective adjustments are warranted in light of the sequence of events described above. I respectfully request that this matter receive further and complete review, as the response provided does not adequately address the root causes of the financial harm I experienced. Thank you for your attention to this matter.

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 explanation