Consumer complaint received 2024-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
This is the CFPB complaint # XXXX or # XXXX regarding the CITI illegal and abusive actions with respect to my CITI THANKYOU card XXXX, This also is my request of the CFPB thorough investigation of the CITI illegal and abusive practices and my plea to protect me, a senior citizen, from the CITI unfair and abusive practices. 

XXXX. ADVERSE ACTION FOR NO REASON, WITH NO CAUSE, AND WITHOUT A LEGALLY REQUIRED XXXX  DAYS WARNING, In XXXX, XXXX, Citi took an adverse action without giving me any legally required XXXX  day warning and for absolutely no cause and with XXXX and only purpose - to ruin my business and to take advantage of a XXXX XXXX, because the thought they could,. 

They did it immediately upon receipt of my {$480.00}, higher than a MIN required payment, And they did it under the name of " Update ''. as per the attached Citi letter informing me of their truly evil and malicious action that ruined my business deal AND my credit rating. 

For no reason and without any cause - no missed or late payments, they reduced my credit limit by {$4000.00} and deprived me of all access to cash. 
Because it was intentionally mislabelled " UPDATE '', I did not even notice it until my May statement. 

Their irresponsible, unintelligent, and downright abusive actions created lots of problems for me and my business transactions, planned to pay off my credit card debt, It intentionally ruined my very good credit rating for no reason at all. AND WITH WHAT PURPOSE? 

To extinguish my ability to borrow from any and all creditors? And to make this card totally unusable by removing my cash access?? WHO NEEDS A CREDIT CARD WITH WHICH ONE CAN DO NOTHING, BUT PAY THEM {$450.00} EACH MONTHS ON A BALANCE THAT INCLUDES UNAUTHORIZED CHARGES THEY REFUSE TO REMOVE?? 

In their recent reply to my CFPB complaint # XXXX or XXXX about this matter, ( please see attached ) Citi wrote that their truly XXXX  decision was irreversible and that they can do nothing about their failure to abide by their own terms of agreement, and a lot of other incoherent nonsense, and offered me to apply for another credit card. 

IS IT SO? If this is not an intentional customer abuse and pushing me into bankruptcy, I do not know what is, Of course, in the greedy banks " wisdom '' they can easily take every advantage of a senior individual with their " great strategies '' of cheating and stealing And, of course, having put me into the black hole, they can not reduce the XXXX  % interest rate, because, so they write, it is a fair one. 
LAUGHING OUT LOUD, They must immediately return this card to the terms we had agreed on, Then, if they have any legally valid reason, they must provide a XXXX day notice for any adverse action they may wish to take, Alternatively, they can completely pay off and close this account. 

XXXX. ACCEPTANCE OF THE UNAUTHORIZED CHARGES AS A MATTER OF PRACTICE IN ALL MY ACCOUNTS ( see evidence in my previous complaints ), As per the previous XXXX CFPB complaints and the infinite messages and letters to the CITI Executive Office XXXX XXXX XXXX WAS SPECIFICALLY AND REPEATEDLY INSTRUCTED TO REMOVE THIS CARD FROM THEIR SYSTEM AND NOT TO CHARGE ANYTHING TO IT. ( It has been explained again and again that XXXX, an Ecuadorian company acts in accordance with their own business practices, which include keeping in the system any and all financial information that gets into their hands, and not removing it despite any requests and demands, This is how, they say, they prevent fraud, ) Yet, XXXX illegally charged to the card, whose data they had effectively stolen, And CITI, who have been provided again and again, with evidence of my instructing XXXX  to charge to a different credit card, insists that, yes, they will process whatever fraudulent charge and then demand evidence that the charge was fraudulent, And then, not pay any attention to any and all evidence and side with the fraudsters, demanding that their customers pay for fraud and for the CITI incompetence and legal and financial illiteracy, My disputes were filed XX/XX/XXXX, CITI has been bombarding with the message from bots, who did not even see XXXX different disputes as such, but as XXXX dispute, Took around XXXX hours to straighten that part our, then their began bombarding me with demands of evidence, WHAT EVIDENCE? THE CHARGES HAD NOT BEEN AUTHORIZED AND MUST HAVE BEEN REMOVED, But not CITI, Since all this has been described in the XXXX previous CFPB complaints, and millions of letters sent directly to the CITI Executive Office, it all is on the record for the CFPB investigations and, hopefully, putting an end to the CITI illegal practices, Suffice it here to say that in the Citi reply of XX/XX/XXXX to my preceding CFPB complaint ( see attached ), CITI tells that the disputes are still under their " investigation ''. AND, the very same day, they write to me their letters, telling me that the disputes have been " resolved '' to the satisfaction of the fraudulent XXXX who had billed the card, whose data they had stolen and which they had been repeatedly instructed not to use. Please see those letters also attached. THIS IS HOW CITI OPERATES - LIES AND MORE LIES, DECEPTION AND MORE DECEPTION. EMPLOYING AN XXXX OF XXXX  ROBOTS BEFORE FINALLY PASSING ANY MATTER TO AN XXXX OF ILLITERATE AND INCOMPETENT EMPLOYEES, No consumer can be held responsible for the fraudulent. unauthorized charges, Doing so is fraud and theft, and breaking of the legal agreement, THE CHARGES IN QUESTION HAVE BEEN : XX/XX/XXXX {$36.00} ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX. THEY MUST BE IMMEDIATELY REFUNDED,. 
XXXX. THE CITI PRACTICE OF DEMANDING THE AMOUNTS IN DISPUTE AS MIN PAYMENTS MUST BE ALSO INVESTIGATED, XXXXHAVING MADE THE CARD TOTALLY UNUSABLE TO ME, THEY HAVE NO RIGHT TO DEMAND FROM ME THEIR XXXX  % INTEREST PAYMENT, They broke our agreement, they must be financially responsible. 

XXXX. CITI MUST STOP THEIR ILLEGAL INTENTIONALLY MISLEADING OFFERS OF LONG TERM LOANS, Each of my credit cards has those offers plastered in MIN XXXX places. But they do not give any information about interest rates, etc, They ask you to begin the application without any data about the loans, Then, even though I never finished XXXX application, because they would not give the interest rate, nor amounts, they sent me a letter that they could not give me a loan, WELL, I HAVE NOT APPLIED FOR XXXX, frauds and thieves, XXXX. CITI must provide SMS/Text access as a proof identity, instead of insisting on phone calls that being in XXXX, XXXX can not either receive or make. THEY MUST, PROVIDE THE PROMISED SERVICE TO CONSUMERS, a very expensive service at that. 
MY FEEDBACK

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 non-monetary relief