Product: Checking or savings account

Company : Citibank , N.A . 
Previous CFPB Case Number : XXXX ( XXXX XXXX Complaint ) This complaint is being filed to address a severe security breach involving my Citibank accounts that began on XX/XX/XXXX ( Citibank Case XXXX XXXX XXXX XXXX and the subsequent misuse of my personal information. While a previous complaint ( XXXX ) addressed related fraudulent XXXX transactions XXXX this complaint focuses on the fraudulent loan application processed in my name, the creation of at least five unauthorized accounts linked to my identity, and the alarming incidents involving XXXX XXXX XXXX demonstrate ongoing security failures at Citibank. 

1. Fraudulent Loan Application : On XX/XX/XXXX, a personal loan application was submitted to Citibank in my name, using my stolen personal information ( including my Social Security Number, address, employment details, and income information ). 
This application was processed despite my credit profile being frozen with all three major credit bureaus ( XXXX, XXXX, and XXXX ). This action resulted in a 98-point drop in my credit score.

I only became aware of this application when I was contacted by Citibank regarding the disbursement of funds. I immediately informed them it was fraudulent. 
Citibank, in their letter dated XX/XX/XXXX, has the audacity to claim this application was denied after a review, implying it was a legitimate application I submitted. This is a blatant falsehood and a deliberate distortion of the facts. I never applied for this loan, and its processing despite a credit freeze demonstrates a catastrophic failure in Citibank 's identity verification procedures. 
2. Unauthorized Account Creation : Since the initial breach, at least five unauthorized checking accounts have been created in my name at Citibank : Three accounts were opened on XX/XX/XXXX, as part of the initial breach and used for fraudulent XXXX transfers. 
These accounts were created without my knowledge, consent, or authorization. 

3. XXXX XXXX Incidents : XX/XX/XXXX : XXXX XXXX confirmed that a fraudulent Citibank account was removed from my XXXX ID using an unregistered XXXX computer that I do not own. This demonstrates that my stolen information was actively being used for months after the initial breach. 
XX/XX/XXXX : Additional unauthorized Citibank cards ( linked to accounts ending in XXXX and XXXX ) were removed from an XXXX XXXX account that I do not own. 
These incidents prove that the XX/XX/XXXX breach was not contained, that my personal information is still being exploited, and that Citibank 's systems are vulnerable to unauthorized linking with external payment services. 
4. Citibank 's Unacceptable Response : Citibank has consistently denied responsibility for these fraudulent activities, despite the overwhelming evidence.

They have refused to provide full documentation related to the loan application, the unauthorized accounts, and their internal investigations.

They have offered contradictory and misleading information, claiming at one point to have no records beyond six months while simultaneously asserting that an " authorized device '' was used for the fraudulent transactions. 
They have engaged in what can only be described as gaslighting, attempting to make me doubt my own sanity and perception of reality. 
They have obstructed my access to information by disabling my XXXX account, blocking legitimate payments, and providing unhelpful or evasive responses through their customer service channels.