Consumer complaint received 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
The company, which has the most incompetent and inattentive people working for them, takes MIN a month + to provide the most irrelevant and incoherent responses, The original and clandestine credit limit reduction for this card - Citi ThankYou XXXX XXXXXXXX by {$4000.00} - in XXXX gave as " reason '' an XXXX cridit report, But there was no reason - all bills paid on time, no overdrafts, However, this initiated a chain XXXX XXXX downfalls, for no reason, And with the unauthorized Citi accesses of my Credit File to check if I was qualified for the loan, which they had been pushing on me, telling that my credit score would not been affected by those inquiries, I have never received any loan information, but received more reductions in Credit Score because of the Citi 's anauthorized and deceptive practices. 

In addition to this evil deed, Citi wasted endless hours of my time on submitting and resubmitting disputes for 4 unauthorized charges from XXXX,. There were disputes, there were complaints to Citi, there were around 5-6 complaints to CFPB, to which Citi habitually responded without reading any of them, Citi wrote that they completed their " investigation '' and issued credits, but, apparently, they did not mean what they promised yet again Finally, after warning CITI 25+ times, I wrote to them that I do not need their useless account and that, if they want my payments, they must 1. Issue credits for the unauthorized charges, 2 reestablish the credit limit and cash access and 3 reduce interest and MIN payments from $ XXXX to something a bit more manageable/ I made a good faith payment of {$100.00}, which would be sufficient for MIN monthly payment, if all the adjustments were made, In reply, CITI began XXXX me with demands of " payment due '', made promises to mail their long belated resolutions. I sent my demand that they close my account, I filed another complaint with CFPB, Two-three days ago, I received a totally idiotic reply to my previous CFPB complaint, whereby CITI told me that I had to pay unauthorized charges, because I gave XXXX my credit card to pay for another purchase in XXXX  and then had been asking and asking them to remove the XXXX card from their billing system. Nothing about any other point of my complaint, nor any confirmation of the closing of my account, Then I received the statemen with the fee for late payment ( A LIE ), with the unauthorized charges rebilled once again, with the news of the INCREASE of my interest rate to 30 % AND, two days later, I received yet another " update '', This adverse action, again with no prior warning and no reason, again masquerading as " update '', informs me that my Credit Limit was yet again reduced by {$4000.00}, that I have NO access to cash, " because '' the ratio of my credit limit to debt is too low, YES, IT IS, SINGULARLY BECAUSE OF THE DESPICABLE CITI, who reduced my credit limit by {$12000.00} while making two of my credit cards totally useless and leaving me, in XXXX, XXXX XXXX XXXX with no way to finish them, as my medical insurance can only reimburse in the end of the treatment. 

The same day, XX/XX/XXXX, Citi issued one more " update '', for another credit card, reducing credit limit for $ XXXX So, CITI has singlehanded ruined my credit score, which was nearly at its highest in XXXX, when they applied their first " update '' clandestinely and with no prior warning. Then they proceeded with their customary customer abuse, swallowing around XXXX hours of my time, XXXX XXXX XXXX XXXX, while creating more and more financial problems, Attached please find all the documents your site can accept - there are too many to attach all of them and the XXXX Credit Report of XXXX. 
THE CITI REPLY TO THIS COMPLAINT CAN NOT BE COMBINED WITH THEIR REPLY TO MY COMPLAINT ABOUT CITI DIAMOND. 
HEREBY, THXXXX CITI IS WARNED ONE LAST TIME- IF THEY DO NOT REPAIR MY CREDIT FILE, TOTALLY RUINED BY THEM, THERE WILL BE NO MORE PAYMENTS ON THE TWO CARDS THEY HAVE MADE UNUSABLE, STRANDING ME IN XXXX WITH NO MEANS TO COMPLETE MY MEDICAL TREATMENT. 
They have ruined my business deal, which would have paid off my credit card debt completely. They have ruined my Credit File for no reason, but their wish to grab more and more, and to grab anything in their reach - unauthorised charges, highest interest rate, my time, my health, etc, CITI IS A COMPANY OF FINANCIAL PREDATORS AND CRIMINALS HUNTING FOR THEIR VICTIMS among the older customers,

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