Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My name is XXXX XXXX, and this is the third time that I have submitted a claim against CITI Bank, related to unclear decisions on this credit card application. 

This case is related to the XXXX credit card application XXXX. 
I have submitted a couple of applications for this card in the last 2 months, trying to get approved for the XXXX credit card, since this specific card has many benefits that I want to take advantage of. 

Whenever I get denied, I call the reconsideration line, with no answers about a real reason for my denied application. 

I have to highlight that I have been working on the denial details from the first application to improve my XXXX credit report and eventually get approved but now looks like different new reasons are replacing the old ones while I'm improving my credit score, creating a lot of unexplained questions from CITI bank, and a lot more concerns for me as a customer. 

First denial explanation : *Length of time accounts have been established on your credit report *Your credit report shows too many recently opened accounts. 
*Your credit report shows too many recent inquiries. 

From when I got these first details to now, I have been working hard, closing credit accounts that I dont use anymore to reduce my credit accounts open, I also called XXXX, and other financial institutions with the main purpose of deleting and removing hard inquiries that might be affecting CITI bank decision. 
My current XXXX report ( attached ) is showing up the following : 1 ) .9 accounts opened in total, the most recent was approved on XX/XX/XXXX ( XXXX  ) : *1 Account opened in XXXX *4 Accounts opened in XXXX *2 accounts in XXXX *2 accounts in XXXX 2 ). Credit score of XXXX XXXX ). 5 Hard inquiries in total, the most recent was CITI BANK XX/XX/XXXX *2 Hard inquiries in XXXX *3 Hard inquiries in XXXX. 

4 ). No late payments in any of my credit accounts.

With the last credit card application and due to credit report improvement, CITI BANK is replacing old factors with new factors that were never mentioned before, making me doubt their FAIR decisions while a customer applies for a card.

On the new denial letter : Your credit report shows too many recent inquiries is now replaced with Your credit report shows insufficient Credit History accounts.

NOTHING HAS SENSE to me, and when I call the bank, they have no answers. My main concern is HOW MANY is too much? nobody can explain an easy response like that. How is possible that just 1 account opened for XXXX is too many recently opened accounts? How is an account that was opened on XX/XX/XXXX ( XXXX XXXX ) with more than 3 years of history and insufficient Credit History? I HAVE THE RIGHT TO KNOW WHAT TOO MANY MEANS FOR THE BANK. 

My last argument on this claim is that MY XXXX PROFILE is reflecting CREDIT CARD MATCHES ( ATTACHED ), with the following statement : Here are your top 8 matched credit cards based on your current credit profile. 
We've done the research so you don't have to. Our technology works directly with financial institutions to match you to the offers from our partners that are right for you, which means you are more likely to qualify for the products that are Matched for You. Our list is more personalized than other sites because we review lender requirements before showing you offers. We find your best matches using things like your credit profile and your spending habits. 

Most of these offers are CITI BANK cards including the XXXX XXXX card. Citi explained multiple times in their letters and calls that their decisions are based on a CONSUMER REPORT AGENCY ( XXXX ), but XXXX is telling me that my profile matches perfectly with CITI CARDS. Other reasons to believe that I have been discriminated against by CITI BANK. 

The last time I expressed to CITI BANK that I felt discriminated against by them, they answered that they dont discriminate against any customer due to the Federal Equal Credit Opportunity Act, BUT THEY NEVER proved, with real proof. 

I DEMAND Citi Bank provide me with clear and CONCISE answers and Numbers detailing the reason why Im not able to get the Strata Premier credit card or APPROVE MY APPLICATION XXXX, otherwise, I request the CFBP to step on this case to resolve it as soon as possible, or elevate a formal complaint against CITI BANK with the corresponding law institutions and a court case. At this point, I feel discriminated against, worried, and concerned about my rights as a person and customer of a financial institution, which according to the law is obliged to provide to any customer with DETAILED information if requested.

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