Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
On XX/XX/XXXX, Citi Bank notified me that my credit limit was lowered from {$9000.00} to {$770.00}. See attachment # XXXX. 
1-Citi Bank ( Citicard ) is in Violation of Section 1013. ( g ) ( 1 ) and Section 1021 ( b ) ( 2 ) of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX. 
For unfairness and deceptive and abusive practices in handling my Credit Card Services by denying my card benefits as a XXXX XXXX over XXXX XXXX XXXX. Citi Bank has maliciously and arbitrarily lowered my Credit Limit based on unfounded grounds and baseless justifications just to cover-up the main reason for lowering my credit limit which is My Age. Of course, they could not say that because it is illegal. Instead, they used a credit agency report as a vindication or a diversion to make their unfair decision. Even their letter of XX/XX/XXXX ( See Attachment # 1 ) is a testament to their lies when they mentioned that their decision was based in whole or in part on information in a report from XXXX and then, in a contradiction, followed by saying and I quote Even though the reporting agency provided the information, it had no part in our decision and will not be able to provide specific reasons why we reduced your credit limit. End of quote. There is no doubt that their action is based on my current Age compared to XXXX when it was opened. This is proven to be true especially, after Citi Bank/Citicard sent me four months earlier a letter dated XX/XX/XXXX ( See Attachment # 2 ) stating the following and I quote : As thanks to you for being a great customer, we've lowered your Annual Percentage Rate ( APR ) for new purchases End of quote. Absolutely bizarre and deceiving business practices which is also in violation of other Federal Credit Acts which prohibit Creditors from abusing and confusing consumers when providing credit benefits and services. CITI BANK MUST BE PENALIZED AND FINED FOR EMPLOYING DOUBLE STANDARDS AND DISCRIMINATORY BUSINESS PRACTICES AGAINST SENIOR CITIZENS OVER THE AGE OF XXXX XXXX XXXX. 
2-Citi Bank ( Citicard ) is in Violation of Section 1013. ( d ) ( 2 ) ( D ) ( iii ) and Section 1013. ( c ) ( 2 ) ( A ) of the XXXX XXXX XXXX XXXX & XXXX XXXX XXXX of XXXX. 
By failing to improve my financial situation when they lowered my spending power as a XXXX XXXX over XXXX XXXX XXXX and unjustly limiting my financial resources to improve my financial situation. In fact, Citi Banks decision is also in violation of the Equal Credit Opportunity Act by failing to ensure fairness, equitable, and nondiscriminatory access to credit for me as was originally approved and agreed upon when the account was opened.

3-Citi Bank ( Citicard ) is in Violation of Section 1021. ( a ). 
By failing to ensure that I, as a XXXX XXXX, have access for financial products and services that are fair, transparent, and competitive. Lowering my financial resources like Credit Limit is Unfair, Not Transparent and Not Competitive, because it leads to hurting me and create financial hardship that was not planned for.

4-Citi Bank ( Citicard ) is in Violation of Section 1021 ( b ) ( 5 ). 
By failing to ensure that my markets for financial products and services operate transparently and efficiently to facilitate access and innovation. Not having sufficient credit card funds availability DOES NOT mean facilitate access. Lowering my financial power DOES NOT mean innovation.

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