CITI BANK LIES and mislead me--PLEASE HELP

[kerinmiami]

I received a preapproval from Citi for a Diamond Card. It had a reference number so I figured that it was sound for me to apply though I promised that I would not apply for any credit until July 2016.

I got DENIED!

They said I had a defaulted mortgage and a score of 598 on TU. They pulled both TU and EX but concentrated on the TU for some reason? I applied for a Simplicity in June-approved 5.3K (cap one in June 10K, and July Discover 3k and BOA 5k) I was told that it was marketing tack and these letters are sent out to anyone.

My score has not been the five hundred range in years 2009 or so. I went to TU to see an official report there is no bad credit and my score was is 737 on the date of the pull. 598 are they kidding me?

I do have nine new accounts but I have less (6) INQ on TU be that it was not used recently in any of my new accounts.

The mortgage is not reporting adverse because the account is closed with a 0 balance!!!

I called in to do a review (I have reviews before) but I don’t know that my credit would be PULL AGAIN!! What is Citi doing?

I really feel like I have been deceived by Citi

I don’t have any bad credit. All of my accounts are current. There is not one blemish on my credit reports from any agency. My score is never below a 700 on all three.

If any can offer any help the executive office or should I even call the consumer protection agency. I am just furious.

I have been denied by Barclay (June 2015) but it was for new accounts and INQ nothing else. Citi is fraud.

[NRB525]

Sorry to hear about the denial, and second HP.

What had caused your scores to be below 600 earlier? Is that still anywhere on your credit report? Any mention at all, including if it is part of the zero balance mortgage?

What are your scores from myFICO?

[taxi818]

The 598 score you need to look over. its more than likely their internal scoring. when i apped last year it was like that. no where did it say fico and i could not believe the score was not in par with my fico. what deception are you talking of? sending you a mailer? no one has ever said anything is a 100% even if your scores are 800. sorry it happened to you but it happens to everyone. Just move on try next time.

[kerinmiami]

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NRB525 wrote:

Sorry to hear about the denial, and second HP.

What had caused your scores to be below 600 earlier? Is that still anywhere on your credit report? Any mention at all, including if it is part of the zero balance mortgage?

What are your scores from myFICO?

 Years ago in college, young and broke.

My credit has been clean for two or three years 

TU tells you specifically. If there is bad debt 

Current scores are 737 TU AND 730 Ex. City didn't mention anything about Ex even though it was pulled. They only pulled Ex for my simplicity card.

[TiggerDat]

Deceived you by sending a prequalification letter?  Or by doing a second HP?

I don't see this as deception, for either, if you did not ask if there would be a second HP or they told you there wouldn't be one.  Sorry.  I do think they should have told you about a second HP, although it is to be expected when an error is on a report.  I think since there was a discrepency with what you said and the app, they had to verify if what you said was true.  Since they found the mortgage issue, they had to verify that they got the right information in the first place.  An error could have been on your report and been corrected.  No one would want to have them use a report with an error the second time, since it would result in the same reason for denial. 

I don't know what to say about the denial based on a mortgage default that you can't locate.  You can use that denial to get a full report though.

Remember, there are different FICO scoring models and internal scoring modles.  Banks don't always use the same FICO scores your receive and they don't always use FICO scores.  They have internal scoring models too, where they get the information from the bureaus and assign their own scores.

[Anonymous]

Was there a set apr or a range?

[gdale6]

Obtain a copy of your TU report directly from TU and if there is no mortgage default send copy of it and a copy of the letter to the address on that letter asking for recon. If you cant see it I suspect files got crossed in their pull.

[Jeff532003]

For some reason people seem to forget that it is the lenders money and they can choose who to lend go and who not to as long as that decision is not based on discrimination. Your score was likely their internal score for you. They may have found the negative info from another source. There are more angencies than just the three major bureaus.
They did not decieve you. Even if they offered you a credit line they have the right to close it at any time.

I'm sorry you wasted the hard pulls but if you read the fine print on that mailer you'll see that they did nothing wrong even if you misunderstood. Best of luck in your future credit endeavors.

[taxi818]

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@Jeff532003 wrote:
For some reason people seem to forget that it is the lenders money and they can choose who to lend go and who not to as long as that decision is not based on discrimination. Your score was likely their internal score for you. They may have found the negative info from another source. There are more angencies than just the three major bureaus.
They did not decieve you. Even if they offered you a credit line they have the right to close it at any time.

I'm sorry you wasted the hard pulls but if you read the fine print on that mailer you'll see that they did nothing wrong even if you misunderstood. Best of luck in your future credit endeavors.

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Yep. I just got my innovis credit report in the mail 3 days ago. some lender told me about different info on that report. so i pulled it free which you can get annually. i noticed as well it looks almost identical to Transunion.

[myjourney]

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@kerinmiami wrote:

I received a preapproval from Citi for a Diamond Card. It had a reference number so I figured that it was sound for me to apply though I promised that I would not apply for any credit until July 2016.

I got DENIED!

They said I had a defaulted mortgage and a score of 598 on TU. They pulled both TU and EX but concentrated on the TU for some reason? I applied for a Simplicity in June-approved 5.3K (cap one in June 10K, and July Discover 3k and BOA 5k) I was told that it was marketing tack and these letters are sent out to anyone.

My score has not been the five hundred range in years 2009 or so. I went to TU to see an official report there is no bad credit and my score was is 737 on the date of the pull. 598 are they kidding me?

I do have nine new accounts but I have less (6) INQ on TU be that it was not used recently in any of my new accounts.

The mortgage is not reporting adverse because the account is closed with a 0 balance!!!

I called in to do a review (I have reviews before) but I don’t know that my credit would be PULL AGAIN!! What is Citi doing?

I really feel like I have been deceived by Citi

I don’t have any bad credit. All of my accounts are current. There is not one blemish on my credit reports from any agency. My score is never below a 700 on all three.

If any can offer any help the executive office or should I even call the consumer protection agency. I am just furious.

I have been denied by Barclay (June 2015) but it was for new accounts and INQ nothing else. Citi is fraud.

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Was this a paid off mortgage clean and free and is it possible Citi at one time or another owned the mortgage be it first or second mortgage?