Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Even I have excellent ccredit : score of XXXX, XXXX XXXX  on time payments more than Citi Bank is refusing me a credit by stating that they can not verify my phone number, adress or SSN. Even copy of driver license was provided during obtaining XXXX. I have several credit cards. How they veryfy this information. This is just excuse to hide disrimination based ot religion and national origin. This is illegal under XXXX I am also XXXX in Illinois and know the law. Here is my offical complaint letter. This complain is regarding aplication id XXXX, aplocation Id XXXX and other previous refusal from them. 


To : Consumer Financial Protection Bureau From : XXXX XXXX Date : XX/XX/year> Subject : Complaint of Credit Discrimination by Citi Bank ( Citi Card ) Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint against Citi Bank ( Citi Card Division ) for credit discrimination in violation of the Equal Credit Opportunity Act ( ECOA ). 

Despite having an exceptional credit score of XXXX, a XXXX XXXX on-time payment history, and holding multiple credit cards with combined limits exceeding {$75000.00}, I have been repeatedly denied a credit card from Citi without a clear or justifiable reason. 

I strongly believe these denials are not based on my creditworthiness, but rather on unlawful discrimination based on my religion and national origin. As an immigrant to the United States and a practicing member of my faith, I suspect these factors may be playing an inappropriate and illegal role in Citis credit decisions. 

I have contacted Citi multiple times requesting clarification for the denials, but I was given generic or vague responses that failed to justify the rejection. No adverse action notices have provided specific, legitimate credit-related reasons that would warrant the denial under fair lending practices. 

This repeated and unexplained denial, despite my strong financial profile, raises serious concerns about discriminatory practices and violation of federal credit laws. 

Request : I respectfully request that the CFPB : Investigate Citi Bank 's credit card application practices for potential violations of the XXXX. 

Ensure that I receive a formal explanation of the exact reasons for the denial. 

Take appropriate enforcement action if discrimination is confirmed. 

Attached are supporting documents, including : My credit report summary showing my score and account history. 

Rejection emails or letters from Citi. 

Screenshots or copies of my communication attempts with Citi customer service. 

Thank you for your time and assistance in protecting consumers like myself from unfair and discriminatory lending practices. 

Sincerely, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX

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