Consumer complaint received 2020-12-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A call was received by my daughter XX/XX/XXXX to confirm the opening of a credit card. My daughter stated she knew nothing about this and was given a phone number to give to me to call and confirm that I was applying for the credit card. I received the call from my daughter and was given a 1800 number to call. Upon calling them I stated that I did not request a credit card to be opened in my name. The lady attending my call stated that the card could not be cancelled at that time. They needed to wait 14 days to cancel the card. 

An invoice is sent to my ex-wife 's house for this card, that was supposed to be cancelled. I call the company and advise that I did not request this credit card. I was told the card would be cancelled. 

In XX/XX/XXXX I received a court summon for the default of the account and a pretrial was. At the pretrial I attended with my son for translation purposes. I advised the person for the bank that the account was opened fraudulently and a disposition was provided a voluntary dismissal CPI for 60 days. Not understanding what this meant. 

I wanted to fraudulent transaction removed this from my credit report and believing that the case was dismissed, I had my daughter file a dispute with XXXX  XX/XX/XXXX to have it removed. 

I receive a new court summon for mediation with CitiBank regarding the same fraudulent account. I attend mediation on XX/XX/XXXX with my son for translation purposes. The attorney for CitiBank states that an investigation was done and I am the person that opened the account. That I never responded to any of the invoices or called them to let them know that it was fraudulent activity. I advised the man that I called when the number was given to me by my daughter to confirm the opening of the account and stated it was not me. I called when the invoice reached my ex-wife 's house and states the account was not opened by me. I had to provide CitiBank at that time my correct phone number and address, that they did not have for me. Yet, the person says the account was opened by me with this wrong information. The person for Citibank would not let us know if the account was opened in person or online? What documents were used to prove identity? Why did they call my daughter to verify opening the account? 

The CitiBank person did not want to verify any of my information at the mediation to confirm my identity. I had my passport, my driver 's license, and social security card available for review in this matter. 

The account has a balance of {$3800.00} used at a tractor supply company according to the invoice in the court documents. A trial date is pending. I can not afford an attorney and would like to resolve this matter. I would like to have my identity flagged for fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief