WOW citibank recon denial response via email

[NursePurse]

I was pre-qualified for a few of their cards on their website. I check all the time and there's never any offers. So after seeing quite a few pre-qualified cards show up, I figured, what the heck and applied for the Citi Thank You card - Denied...ok....went right back and applied for the Citi Simplicity...denied....(they pulled my Equifax report which has double the inquiries of my Experian report and triple the inquiries of my TU report)

So I figured what do I have to lose...I emailed them asking for a recon without a hard pull or nevermind.

I was SHOCKED by the un-classiness of their email response (I get it...I'm Denied lol)!!

We can't approve your application

Thanks for your interest in the Citi ThankYou® Preferred  account. We reviewed your application and can't approve it because:

• Too many recent credit inquiries are recorded on your credit bureau report.

Important information for you

Our credit decision was based, in whole or in part, on information obtained in a report from the following consumer reporting agency:

Equifax Credit Information Service 
PO Box 740241 
Atlanta, GA 30374-0241

1-800-685-1111

Please note, other than providing information, the reporting agency played no part in our decision and is unable to supply the specific reasons why we denied your request.

You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. We encourage you to review your credit report for accuracy. 

Your right to get a copy of your credit report

You also have a right to a free copy of your credit report from the consumer reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have a right to dispute the matter with the reporting agency listed above.

If you find any errors on your credit report

If your credit report contained incorrect information, please send us a complete copy of your updated credit report within 30 days to the following address so we can re-evaluate your application:

Citibank, N.A. 
PO Box 6495 
Sioux Falls, SD 57117-6495

Be sure to include your name, address, and the Application ID 201402249060280.

Thanks again for considering us

We hope we were clear in explaining this decision.  <-----CRYSTAL!! yikes

Feel free to contact us  if you have any questions. 

Please don't reply to this message because the email address is not monitored.

[longtime_lurker]

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@rebuildingcredit1 wrote:

I was pre-qualified for a few of their cards on their website. I check all the time and there's never any offers. So after seeing quite a few pre-qualified cards show up, I figured, what the heck and applied for the Citi Thank You card - Denied...ok....went right back and applied for the Citi Simplicity...denied....(they pulled my Equifax report which has double the inquiries of my Experian report and triple the inquiries of my TU report)

So I figured what do I have to lose...I emailed them asking for a recon without a hard pull or nevermind.

I was SHOCKED by the un-classiness of their email response (I get it...I'm Denied lol)!!

We can't approve your application

Thanks for your interest in the Citi ThankYou® Preferred  account. We reviewed your application and can't approve it because:

• Too many recent credit inquiries are recorded on your credit bureau report.

Important information for you

Our credit decision was based, in whole or in part, on information obtained in a report from the following consumer reporting agency:

Equifax Credit Information Service 
PO Box 740241 
Atlanta, GA 30374-0241

1-800-685-1111

Please note, other than providing information, the reporting agency played no part in our decision and is unable to supply the specific reasons why we denied your request.

You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. We encourage you to review your credit report for accuracy. 

Your right to get a copy of your credit report

You also have a right to a free copy of your credit report from the consumer reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have a right to dispute the matter with the reporting agency listed above.

If you find any errors on your credit report

If your credit report contained incorrect information, please send us a complete copy of your updated credit report within 30 days to the following address so we can re-evaluate your application:

Citibank, N.A. 
PO Box 6495 
Sioux Falls, SD 57117-6495

Be sure to include your name, address, and the Application ID 201402249060280.

Thanks again for considering us

We hope we were clear in explaining this decision.  <-----CRYSTAL!! yikes

Feel free to contact us  if you have any questions. 

Please don't reply to this message because the email address is not monitored.

---

From what I've read Citi is very INQ sensitive

[gdale6]

If a bank likes what they see, inquiries are not a problem, they obviously didnt like what they saw and just used inquiries as the excuse.

[Anonymous]

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@rebuildingcredit1 wrote:

I was pre-qualified for a few of their cards on their website. I check all the time and there's never any offers. So after seeing quite a few pre-qualified cards show up, I figured, what the heck and applied for the Citi Thank You card - Denied...ok....went right back and applied for the Citi Simplicity...denied....(they pulled my Equifax report which has double the inquiries of my Experian report and triple the inquiries of my TU report)

So I figured what do I have to lose...I emailed them asking for a recon without a hard pull or nevermind.

I was SHOCKED by the un-classiness of their email response (I get it...I'm Denied lol)!!

We can't approve your application

Thanks for your interest in the Citi ThankYou® Preferred  account. We reviewed your application and can't approve it because:

• Too many recent credit inquiries are recorded on your credit bureau report.

Important information for you

Our credit decision was based, in whole or in part, on information obtained in a report from the following consumer reporting agency:

Equifax Credit Information Service 
PO Box 740241 
Atlanta, GA 30374-0241

1-800-685-1111

Please note, other than providing information, the reporting agency played no part in our decision and is unable to supply the specific reasons why we denied your request.

You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. We encourage you to review your credit report for accuracy. 

Your right to get a copy of your credit report

You also have a right to a free copy of your credit report from the consumer reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have a right to dispute the matter with the reporting agency listed above.

If you find any errors on your credit report

If your credit report contained incorrect information, please send us a complete copy of your updated credit report within 30 days to the following address so we can re-evaluate your application:

Citibank, N.A. 
PO Box 6495 
Sioux Falls, SD 57117-6495

Be sure to include your name, address, and the Application ID 201402249060280.

Thanks again for considering us

We hope we were clear in explaining this decision.  <-----CRYSTAL!! yikes

Feel free to contact us  if you have any questions. 

Please don't reply to this message because the email address is not monitored.

---

I don't quite understand.

What are you shocked by...?

The reasoning behind "we hope we were clear in explaning this decision" is because many times some of the denial reasons are phrased in such a way that is extremely confusing for some people. Those denial reasons did not apply to your case, which is why you didn't see them. This is really just a template that they use for every single denial letter.

Most other banks have 1 template letter for all denials as well, and they're all phrased in a similar way. No bank is going to write you a heartfelt handwritten letter explaining your denial. 

Just so you know for future Citi apps: Each individual is limited to 1 app per 7 days, 2 apps per 60 days, regardless of outcome. Most people recommend you put in 1 app per 8 days, 2 per 65 days, to be on the safe side. If you put in any additional apps, Citi will still go ahead and pull new inquiries but it is a guaranteed denial....

[NursePurse]

I guess I wasn't expecting a bank to reply with words such as "Can't and "Don't"

I'm not shocked by the response in whole, I was just surprised, I suppose they caught me off guard. 

I'm in no way complaining that I was denied, or for their reasoning. Just sharing the recon denial email. 

[Anonymous]

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@rebuildingcredit1 wrote:

I guess I wasn't expecting a bank to reply with words such as "Can't and "Don't"

I'm not shocked by the response in whole, I was just surprised, I suppose they caught me off guard. 

I'm in no way complaining that I was denied, or for their reasoning. Just sharing the recon denial email. 

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As in "we can't approve" and "don't reply to this email"?

Not sure how else you could word those statements.

[BearsAndTurtlesRtheBest]

My parents nor sister just CANT get in with Citi or Barclay its been app over app and its still nothing! Oh well they have been forgotten maybe once they have only 1 inquirie reporting since those are the main reasons of denials, altho its funny since Chase, Commenity, AMEX, and Bofa see the same thing yet they do approve my parents and DS. Citi and Barclay are very sensitive banks I guess.

[NursePurse]

Not expecting anything from them, especially anthing heartfelt. I suppose thier email response was just a slight bit different than their website response which I just checked:

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@Anonymous wrote:

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@rebuildingcredit1 wrote:

I was pre-qualified for a few of their cards on their website. I check all the time and there's never any offers. So after seeing quite a few pre-qualified cards show up, I figured, what the heck and applied for the Citi Thank You card - Denied...ok....went right back and applied for the Citi Simplicity...denied....(they pulled my Equifax report which has double the inquiries of my Experian report and triple the inquiries of my TU report)

So I figured what do I have to lose...I emailed them asking for a recon without a hard pull or nevermind.

I was SHOCKED by the un-classiness of their email response (I get it...I'm Denied lol)!!

We can't approve your application

Thanks for your interest in the Citi ThankYou® Preferred  account. We reviewed your application and can't approve it because:

• Too many recent credit inquiries are recorded on your credit bureau report.

Important information for you

Our credit decision was based, in whole or in part, on information obtained in a report from the following consumer reporting agency:

Equifax Credit Information Service 
PO Box 740241 
Atlanta, GA 30374-0241

1-800-685-1111

Please note, other than providing information, the reporting agency played no part in our decision and is unable to supply the specific reasons why we denied your request.

You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. We encourage you to review your credit report for accuracy. 

Your right to get a copy of your credit report

You also have a right to a free copy of your credit report from the consumer reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have a right to dispute the matter with the reporting agency listed above.

If you find any errors on your credit report

If your credit report contained incorrect information, please send us a complete copy of your updated credit report within 30 days to the following address so we can re-evaluate your application:

Citibank, N.A. 
PO Box 6495 
Sioux Falls, SD 57117-6495

Be sure to include your name, address, and the Application ID 201402249060280.

Thanks again for considering us

We hope we were clear in explaining this decision.  <-----CRYSTAL!! yikes

Feel free to contact us  if you have any questions. 

Please don't reply to this message because the email address is not monitored.

---

I don't quite understand.

What are you shocked by...?

The reasoning behind "we hope we were clear in explaning this decision" is because many times some of the denial reasons are phrased in such a way that is extremely confusing for some people. Those denial reasons did not apply to your case, which is why you didn't see them. This is really just a template that they use for every single denial letter.

Most other banks have 1 template letter for all denials as well, and they're all phrased in a similar way. No bank is going to write you a heartfelt handwritten letter explaining your denial. 

Just so you know for future Citi apps: Each individual is limited to 1 app per 7 days, 2 apps per 60 days, regardless of outcome. Most people recommend you put in 1 app per 8 days, 2 per 65 days, to be on the safe side. If you put in any additional apps, Citi will still go ahead and pull new inquiries but it is a guaranteed denial....

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Thank you for applying for the Citi ThankYou® Preferred Card(s).
We sincerely appreciate your interest and after carefully considering your application we are unable to approve your request. You will receive written notification with the reasons for the decision. If you have further questions once you receive the letter, please call us at the number listed.

Nevertheless, it's always informative to see and learn about denials and recons and thanks to myfico I've learned so much more than I would have in everyday life. Very thankful to all those that share their experiences on this website : )

[B335is]

Sometimes denial reasons are as random as throwing darts, how many inquiries do you have? In particular the last 6 months? Citi is sensitive to inq on thin files, especially if you have no history with them. Once you get in, they become much less sensitive to inq.

[NursePurse]

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@B335is wrote:
Sometimes denial reasons are as random as throwing darts, how many inquiries do you have? In particular the last 6 months? Citi is sensitive to inq on thin files, especially if you have no history with them. Once you get in, they become much less sensitive to inq.

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Too many : ) I just looked (and with the citibank inquiry added) I have a total of 12  listed on my full report (5 are from car dealerhips when I leased my new vehicle in August of 2013) So 9 total in the last 6 months