Citibank closed our Citibank MasterCard account for non usage. I had the Citibank account for nearly 10 years with a $ XXXX credit limit. Called them immediately and requested they reopen the account and they said they would process my request. A few days later I received a phone call from an XXXX number that I did not answer because I did not recognize the number and there was no caller ID attached to it. Apparently it was Citibank calling to verify my identity as they had pulled a hard inquiry on my XXXX credit report requiring they confirm my identity as per the fraud alert noted on my account. I have maintained fraud alerts with the credit bureaus for 15 years due to identity theft. When I called Citibank a few days later to check on the status of my request, they informed me it was denied because they could not confirm my identity. I explained the reason I did not answer their unidentified phone call and they said they would reprocess my request to reopen the account. A week or so later I received a letter stating my request had again been denied. This time the reason for denial stated " your credit report shows your balances are too high for the income that you reported ''. My retirement income, as reported, is over $ XXXX annually after taxes, I carry over " {$0.00} '' balances on my credit cards and my FICO credit score as of XXXX 2015 is XXXX. The only long term outstanding loan I have open with a balance is a low interest Home Equity Line of Credit on which I purchased a new car 3 years ago. Otherwise, we have no outstanding debt, pay our bills on time, never late ... not once in over 20 years, and have a substantial retirement income. Not only did they deny my request to reopen my CC account, which may lower my good credit score, they also pulled XXXX hard inquiries on my credit report within days of each other, further damaging my credit score. 
