Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a series of errors all resulting in individual cases of violation of 15usc1681 and 15usc1691. All resulting in idividual adverse actions against my credit report.

1 ) chase bank ignored the amount of credit requested, the reason for the credit requested, and made a hard pull on my credit regardless. XXXX also disregarded the ein number provided by the secretary of XXXX ( XXXX ) for this new business venture and ran all credit reports on my personal social security number. result a business credit loan/line of {$30000.00} ignored/declined and a business inkcard issued for {$3000.00} a hard pull levying XXXX points negative to my credit score. ( adverse action applied for amount XXXX was informed underwriters would have decision in a day or two. Never hear back, in aproximately 10 days i received a business ink card for XXXX in the mail. Exact definition of adverse action ) XXXX ) XXXX loan documents, started on one day, completed and submitted the second day. The sba documents made clear, start up company, sole proprietor, equipment purchase needed, collateral is purchased equipment. Before the sba docs were completed, XXXX XXXX, california, made a hard pull on my credit. Adverse action number two degrading credit without intent of making loan available ) Upon inquiry XXXX XXXX XXXX informed me that she obtained my information from the sba, as XXXX XXXX is a preferred lender. After informing XXXX XXXX that the pull was performed before the sba paperwork was submitted, the story changed to, well you submitted a request with XXXX XXXX. ( i did not and had i done so, i would have submitted a request to the branch in person in XXXX california where i am currently staying temporarily. Not across a bridge, costing toll everytime i would need to visit a branch office. There is a branch in XXXX. ) XXXX ) sba papaerwork submitted and approved. Adverse action number three, a third hard pull on my credit without intent of credit extension for a start up negatively affecting my credit score. Referred to five lenders, none of which were XXXX XXXX. All lenders refused lending the amount requested, {$30000.00} as a business start up loan to purchase equipment. 
4 ) just puerley coincidental ( im sure ) citi bank the home depot ) though the years of holding impeccable credit lines. Refuses to report the commercial line of credit although both the consumer line and the commercial line are both extended on my social security number. Adverse action number four, failing to report true credit limit, limiting the amount of available credit vs used credit, lowering the threshold and adversly affecting my credit score. Adverse action number five, also citi bank the home depot, cut my consumer line of credit in half as soon as the hard inquiries were made, sighting non use of account and limiting their liability as the reason. If this was true why did they not cut the commercial account as well? Both have been idle the same amont of time. Why, i will inform you why. Because they never reported the commerial line of credit, therefore cutting that line in half would have not detriment to my credit score. Adverse action extending credit then retracting offer for no justified reason.

6 ) tthe lenders supplied by the GAURANTEED SMALL BUSINESS ADMINITRATION : all of the lenders contacted insisted on pulling my credit, soft pulls, that became hard pulls as my credit still had standing. Yet once the lenders confirmed this was indeed a true launch, start up, these supposed lenders again referred me to other lenders. All primary and secondary lenders request/require hard pulls to my credit. 
Why? What good does sba backing do? Nothing. 
XXXX ) XXXXXXXX XXXX sets a meeting with a loan agent. Loan agent informes without two years tax returns for business, or six months financials, there was no lending allowed by chase. Why was i not informed this upon opening accounts? Again chase representative wanted to continue offering loans that clearly would be denied. I had to interject and refuse to allow representative to make another hard inquiry to my credit. 
XXXX ) after initial contact XXXX XXXX XXXX of XXXX bank XXXXXXXX XXXX, further communications have been ignored, however a meeting with a loan agent has been scheduled for next wednesday. Still no answer as to how XXXX bank was referred by the XXXX before my application was completed and submitted to the XXXX. 
*Chase bank made a hard pull on my credit adverse action one, ignoring the purpose of the in branch visit, to embark on a personal relationship with a bank, seduring financing for a start up sole proprietor for euipment purchase. Had i been informed that in no way would chase fund without six months financials or two years tax returns, i would have exited and sought another bank, credit union, or other means to fund a XXXX XXXX. 
** had i known that the small business administration loan gaurantee had no merit, and carried no value, i would not have allowed the sba to make adverse action number two another hard pull on my credit, leaked personal information to XXXX XXXX  and referred me to unheard of lenders that all refused to fund a gauranteed loan, for START UP AND EQUIPMENT PURCHASE with COLLATERAL in the EQUIPMENT being PURCHASED with SBA GAURANTEED funds.

*** adverse action numbers 3,4,5,6, etc all stem from credit actions of adverse actions I ask you, what can be done. Where do i go? Class action where do i start? An attorney? This is rediculous. A close friend was just offered an unsecured line of credit from chase, via mail, in writing, he has terrible credit, in the 400 range, and they offere him XXXX, i had a XXXX score that i held for a very long time, over XXXX for a minimum for 7 years. Ive had satisfied mortgages, revolving lines at one time over a dozen with utilities, with morgages, with auto loans, never a missed payment, never a late payment.

So whats with the banging of my credit? An effort to lend at a high interest rate because of a low credit score?

How does an American hard working individual honestly suceed? I wasnt treated fairly by chase bank, i leaned to the government agency for support, what i got was an explaination that the sba just gaurantees a loan, its up to me to find funding. Told to me via a phone call i placed inquiring why the sba made a hard inquiry. 
All of these actions fall under violation of 15 usc 1681 and 1691. Who is going to help me? How? Who will enforce the LAW. these arent statutes, civil codes, policies or proceedures. 
THESE ARE LAW. 
PLEASE RESPOND. 
XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX established XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Established almost.. in 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