Consumer complaint received 2024-03-26 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: CA

Complaint narrative:
XX/XX/XXXX Dear Consumer Financial Protection Bureau, I sent this letter earlier ( complaint # XXXX ) about the same two accounts, but I copied/pasted information in a table format, so you probably won't be able to make sense of it. Please use this letter for both complaints. Each one has its own complaint number, but my explanation letter is the same ( here ). 

On Saturday, XX/XX/XXXX, I tried to pay for a new phone with my Citi Simplicity card, but it was denied, so I tried to use my Citi Advantage ( XXXX XXXX  ) card, but that card was denied, too. I immediately called Citibank and was informed that my credit limit on both cards combined had decreased by 45 %. As a result, my Citi Simplicity card went from 50 % used credit to 95 % used credit, and my Citi Advantage card went from 36 % used credit to 94 % used credit. Citibank has destroyed my hard-earned credit! I consider this predatory, unlawful activity, especially since I am a responsible consumer. Citibank did not even call me to inform me about this. 

Also, I have had four Citi credit cards for a long time, and I have paid my bills on time. Citibank has no reason to do this. It is baffling, deceitful, and financially abusive. If I wasnt a responsible consumer, why would Citibank give me a total of {$37000.00} in credit and a home loan of {$400000.00} ( XXXX )? In summary, between the two cards mentioned earlier, my credit limit dropped from {$27000.00} to {$12000.00}. 

Important Note - Just prior to my two Citibank card limits being decreased, I made my first HELOC Home Modification trial payment ( XX/XX/XXXX ) with Citi Mortgages Servicer, XXXX. I have the legal right to apply for a home modification which has nothing to do with my consumer credit cards. Citibank retaliated against me just because I applied for a HELOC Home Modification. Did Citibank also retaliate because I transferred a large balance from one of my Citibank cards to a 0 % interest card ( promotion ) from XXXX XXXX XXXX on XX/XX/XXXX? Here are the figures of my dispute : Prior to XX/XX/XXXX, my Simplicity card had a limit of {$13.00}, XXXX with a balance of {$6700.00} and available credit of {$6700.00} ( 50 % used ). After Citibank decreased my available credit, my limit became {$7100.00} with a balance of {$6700.00} and an available credit of {$360.00} ( 95 % used ). Before XX/XX/XXXX, my Citi Advantage Card also had a credit limit of {$13000.00} with a balance of {$4800.00} and an available credit of {$8600.00} ( 36 % used ). After XX/XX/XXXX, my Citi Advantage card had a new limit of {$5100.00} with a balance of {$4800.00} ( 94 % used ) and available credit of {$280.00}. In reviewing another credit card account I have with Citibank ( Shop Your Way Mastercard ), I just learned that Citibank decreased my limit from {$6000.00} to XXXX in XXXX of XXXX. The reason ( over the phone ) was that I had a XXXX balance for too long. In other words, I havent been using the card. I guess this warrants punishment? My fourth Citibank credit card account, also a XXXX balance, is with Best Buy. Thus far, this credit limit of {$4000.00} has not been decreased. I find it hard to fathom being treated this way when I have given Citibank a ton of my business, including my home mortgage. This is ridiculous! 

Please call me if you have any questions, XXXX XXXX XXXX : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX 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