Originally Posted by
digiordi
I will not agree with you here. I have filled out an application online, provided the necessary details the bank has asked for in the application form (i.e., social security, name, address, phone number, etc.), and hit the button "Agree and Submit" after the completion. I have also had to check a bunch of checkboxes, including "With regard to my application, I will receive my application status/decision by email." So this was the application, indeed. And it was declined, but the bank gave no explanation as to their decision.
Clearly it wasn’t declined until you abandoned it. Citi told you that, in order to make a decision, they needed additional information from you. If you feel they violated laws or regulations, feel free to complain to the CFPB. Complaining here isn’t going to help.