Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
Before doing so, I asked the XXXX  XXXX  itself what the requirements were to apply for this credit card. The XXXX  replied that You must have a XXXX  membership only. Since I've had a XXXX membership for quite some time, I first applied to Citi bank ( XXXX XXXX XXXX XXXX by Citi ) - around XX/XX/XXXX - Application ID : XXXX. Then Citi Bank sent me an email that they need to verify some of my information. They asked for one of three documents : 1 ) XXXX Passport or 2 ) XXXX. Permanent Resident XXXX  Card XXXX XXXX XXXX or 3 ) XXXX Voter Registration Card I have been in the XXXX legally for three years, I am a resident of Florida, but I do not have any of the above documents - I am not a XXXX XXXX, and I am not a XXXX XXXX holder. So I went to look again on the website to see the application requirements, and their website doesn't say that you have to submit XXXX Passport or vote card or XXXX XXXX  documents. When I called customer support and asked agent to show where they wrote what they were asking me about, the agent referred to this page and this point, I asked agent to read it, agent read it, and I asked " so where is it written? '' She couldn't answer. 

The requirements for opening a card on the website state : " Identity Verification IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT - To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. This means that we will ask for your name, address, date of birth, and other information that will allow us to identify you when you open an account. We may also ask to see your driver 's license or other identifying documents ; and obtain identification information about you or any Authorized User you add to your account. '' LINK : XXXX XXXX XXXX XXXX XXXX XXXXXXXX The second time I applied was on XX/XX/XXXX ( Application ID : XXXX ), already at the XXXX store itself, told them about the first situation and they said it was strange that they were asking for this, the whole requirement is just to have a XXXX membership. The second time they didn't even send a letter to the post office, and I called them, and on the phone they said the same thing as in the first letter. And while I was writing this complaint, they sent me a text message on my phone that they had rejected my application. 

I find this situation very strange as I have a card from this Citi bank with another store ( My Best Buy Credit Cards from Citi Bank ). and I went to check the requirements to open this card, and what was my surprise that they are absolutely identical ( links and proof attached ). 

LINK : XXXX : XXXX? XXXX & XXXX & XXXX & XXXXXXXX XXXX XXXX When opening the Best Buy card from Citi bank- they only asked for my Driver 's License ( Florida ). Why then if the requirements for these cards are identical, in one case they ask for a driver 's license ( which is listed in their TERMS AND CONDITIONS OF OFFER ). But with the same requirements with the other card they ask for something that is not listed in their TERMS AND CONDITIONS OF OFFER. 
Seems like discrimination because I don't have XXXX XXXX and am not a XXXX XXXX Holder. If you follow their TERMS AND CONDITIONS OF OFFER, it appears that at least in the state of Ohio they are committed to not discriminating against people

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