Citibank Credit Card Complaint

Credit line increase/decrease

Citibank Credit card department,

Credit line increase/decrease California

On or around - - of this year, i wanted to get an increase in my credit limit with my - - credit card issued by Citi. I applied online to get an increase in credit line. They emailed me back asking me to call a particular number. When i called the number the representative said she needed to run credit to see if i qualify for an increase in line. I told the rep that i only want an increase in the line WITHOUT running my credit as i did not want to impact my credit report and - score. I explicitly said NO to running hard credit over the phone. But they ran it anyway and it showed up on my credit report and impacted my - score. I tried to get in touch with the company to rectify the issue and also asked them how they could run my credit without my authorization. I have a chat session saved that i had with - of the company 's reps - - - who admitted it was a FCRA violation and that she had forwarded to the concerned department and that i will get a call back. I had to call them to get a call back and when i spoke to the person that called me, they said everything was ok and there was no issue on their end. I asked them to pull the call and listen to it as i had explicitly said not to run a hard credit. I also said how - had agreed it was a violation. I asked if they had a record of my authorization, and he said i would need to a subpoena to get that information. This is ridiculous and completely unprofessional and unethical.

Citibank customer in California
May 26, 2016

* Source: CFPB Complaint Database

Citibank response to complaint:
Closed with explanation

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http://online.citibank.com/
800-870-1073
701 E 60th St N
Sioux Falls ND 57104
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