Product: Checking or savings account

- XXXX unbeknownst to me CitiBank checking and savings account opened using my name, SS #, and address. But not my email or phone number. I never had access to the electronic information at any point - XXXX XXXX ACH transfers of {$6200.00} and {$10000.00} were made using my Routing number and Checking number of my XXXX XXXX account to a CitiBank account XXXX above. 
- XXXX My wife, XXXX asks why I paid so much on our XXXX credit card bill. I replied I did not. This is XXXX at night and I log on and see the XXXX transfer to CitiBank. We do not have a Citi Bank card. This is an issue. 
- XXXX We go to our local XXXX bank and they file a dispute on our behalf and place a hold on our account. At this point I have no reason to suspect the CitiBank account is under my name. 
- XXXX My wife informs me that CitiBank has sent a congratulations on your new account notification. I immediately call CitiBank and try to close the account. The department is unable to tell me details on the account - XXXX I receive an ATM card from Citibank - XXXX I receive checks from Citibank with an account number of XXXX and routing number of XXXX - XXXX I received an ATM card from XXXX. Since I never applied for an account I call and close down the account. They inform me {$5000.00} was sent from CitiBank to their account but had been removed. 
- XXXX? I called the XXXX XXXX XXXX department and file a police report XXXX - XXXX I received an ATM card from XXXX. Since I never applied for an account I call and try to close down the account. 
- XXXX? I received notification that XXXX had credited me on XXXX the {$16000.00} that had been stolen from the XXXX transfer. I am feeling like this ordeal is drawing to a close - XXXX XXXX XXXX sends me correspondence saying that a credit card application was sent in my name and declined as I had frozen my credit with XXXX, XXXX, XXXX, and XXXX - XXXX I receive correspondence from CitiBank saying my account was overdrawn the account with the number XXXX by {$10000.00} on XXXX. The DAY AFTER I CALLED TO CLOSE THE ACCOUNT. I immediately call and speak to XXXX. 
- XXXX I receive a call from CitiBank collections- XXXX I call CitiBank again. 
- I receive further correspondence saying you can not get ahold of me. I call on both occasions but I am instructed to wait until the fraud investigation has been completed. 
- XXXX I receive word from CitiBank that you have rejected my fraud claim regarding XXXX. 
- XXXX I call and speak to XXXX requesting an appeal. XXXX says she will request this and send me an email. I inform her that I feel as if CitiBank did not do their due diligence in investigating as they never contacted me regarding this investigation to ask me questions. I feel as if this is in direct violation of the Fair Credit Reporting Act - XXXX I am filing a report with the XXXX XXXX XXXX XXXX against CitiBank. 

I have never used Checks for this account nor have I ever used the ATM card. Prior to this I have had an exemplary credit score and I pay my debts. This simply was not an account I opened. It was opened by somebody that had stolen my social security number and used my current address. I must also request that any reporting to credit agencies should include a disclaimer that I dispute this debt.