Consumer complaint received 2023-09-29
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I'm responding to an email I received from citibank on this day, XX/XX/XXXX. ( See attached second to last attachment. ) I was not an unauthorized party. I, XXXX XXXX, am filing a complaint against citi bank for handling my fraud complaint abusively between the periods of early XXXX and present. I, XXXX XXXX am uploading documents newly requested of me by Citi Bank earlier today and I am writing that the CFPB complaint COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX was not submitted by an unauthorized party as was alleged to me through CFPB by Citi Bank XXXX That complaint had been submitted by myself, XXXX XXXX, and the bank never had reason to believe that it was not other than their greed and their pride from my complaining about their employees they are trying to confuse the situation about and cover up for. As stated in that complaint, the dispute of this transaction did not begin over telephone, it began the morning after the initial mugging I believe was on or around XX/XX/XXXX I reported in person at a citi bank that my card and my IDs and phones had been stolen. Because everything had been stolen, the bank threatened to call police on me and accused me of being an illegal immigrant who was underdressed. I was not underdressed and I was a XXXX citizen. The bank should have stopped the card on that day when I reported. I could recognize the employee who threatened to call police on me for having no ID if I saw him. He should not be employed. As result of his threat I was forced to return to the violent lease for my ID back. I was coerced to pretend to be the assailant 's wife and coerced to not mention anymore to citibank that I was a victim of violent crime. They did also lie that they did not say that the reason they denied the dispute was because the transaction was too large, because they did say that they would deny the transaction if it was too large unless I submitted the required forms, and because I submitted the required forms with proof of mail and citi bank repeatedly refused to respond to them or else explain why they were denied. 

They say that only certain documents are required by mail. I said have proof of mail that I submitted the documents. They used false phone conversations and abused me during phone conversations. They were XXXX trafficking me to my XXXX traffickers and threatening me with police when I reported in person or on the phone if in person. They are pretending that my in person report at the CitiBank in early XXXX of XXXX XXXX the morning after I was mugged of my card and keys does not exist. They refused to refund the transaction solely because the amount was too large in phone conversations as well for this transaction I am referring to on the bank statements that were requested. I was told the complaint was denied because I did not submit the correct form but then I submitted the correct form by mail and the bank is still pretending that when I sign the form my signature is obsolete. I have never given them sufficient reason to believe that I am not XXXX and citi bank does not have the mens rea to believe that I am not XXXX in their continued abusiveness towards me as a XXXX citizen or as a professional ( I happen to be licensed in fraud investigations ). They continue to treat me abusively and racistly as a lower class consumer to them only. 



The citi bank employees who coerced me into a dangerous situation by my assailants, including but not limited to white collar criminals, discredit my fraud report as a consumer and feel unduly powerful with obsolete and coerced statements against victims of XXXX trafficking whose speech is being purposefully and abusively contextualized to suit the banks agenda generally. For example, Citi bank is trying to humiliate me for the fact of my XXXX trafficking victimization throughout the entire fall of XXXX after I was already mugged of my IDs, XXXX, and attempted murder of. I have since collected back identification and they still pretend not to have received it. They XXXX be planning something diabolical against my person through their policing fraud threats about my true identity, which is the identity they know to be XXXX XXXX legally and this identity, my identity, is also federally licensed by a United States FBI agent through a training program with the XXXX XXXX XXXX XXXX XXXX. It is no coincidence that I was mugged by a released prisoner and stolen from in fall XXXX and Citi Bank 's negligence to stop my card or assist my fraud investigation resulted in the released prisoner becoming radicalized and ordering her associate to break my neck on XX/XX/XXXX. The transactions were unauthorized and were made by organized crime and conspiracy that CitiBank pretends to believe I have no education or knowledge for. 

The law firm mentioned on the transaction I'm disputing correctly as non-consensual or unauthorized even admits that they have no record of me or of the transaction when called. I also received confidential information from an intimidated victim witness other than myself pertaining to the alleged lawyer or that alleged identity XXXX on the bank statement. Again, I have never met this lawyer and I had not mentioned my situation of the fraudulent transaction to her but after it happened I found her and she started talking about how the alleged identity had aliases and how he had attempted murder of her with his car, but because of his white collar status he got the charged dropped and hired fake law enforcement to institutionalize and poison her with prescription and diagnostic fraud. Hence, whether she was telling the truth or not, the transaction is extremely suspicious as with the repetitive victimizations and stolen card that had occurred before. Because I mentioned violent crime and conspiracy after it first happened to the citi bank XXXX XXXX XXXX in person, and because citi bank 's first response to this report was that I was illegal immigrant ( my ID had been stolen along with the card ) and threatened me with police, I was coerced to pretend that I was the subletter 's wife who had mugged me to try to get any of my property back. I did not get it back and I was XXXX while I was trying to legally sleep in my own bed. As I was XXXX objectively forcibly at that time, the mugger and assailant I did not know was a serial XXXX ( XXXX XXXX ) was holding me down forcibly as I was saying please no please let me go and threatening to break my neck in her hand while she XXXX XXXX me ( according to my language ) with her other hand. The XXXX was painful to say the least, but also extremely violent and threatening. My card was used to pay a lawyer that same month but it XXXX have been XXXX XXXX who did that because XXXX was the person who introduced me to XXXX and who planned my XXXX. I know that XXXX XXXX is associated with XXXX only through social media. I do not know when or who swiped the card at what time, only that it was stolen from me and that I was attacked repetitively physically during fall XXXX. 

Citi bank could have stepped in when I first asked in person in XXXX of XXXX, but they with the American public generally pretend that my in person encounters with them have never existed, as well as that they retaliate me for my initial complaints and coerced recorded statements abusively since complaints of violent crime are always automatically discredited by them psychologically. 

They are not well. They pretend that my in person encounter with citi bank from when my card was first stolen did not exist, and they threatened me with policing and health fraud from trying to explain that my relationships to my XXXX traffickers were not consensual. I was a victim of repetitive victimization in fall XXXX that escalated into a violent attack against me by XXXX of the card thief 's associates on the morning of XX/XX/XXXX. I know that the assaulter was XXXX of the card thief 's associates because she referred to him, because I saw her on his social media, and because he had promised me that he would send her to XXXX me if I left him. I am referring to XXXX XXXX who is the false male alias used by XXXX XXXX in fall XXXX to defraud me into a sublease before stealing my property and before they were arrested for the murder of XXXX XXXX in XXXX, who I also knew. 

I have never met any lawyer or authorized representative of the alleged law firm that charged my card XXXX dollars. I do not know who authorized a transaction. I did not authorize the transaction and I can pass a lie detecter test also as a fraud XXXX as to this. The alleged law firm even stated to me explicitly that they had no record of the transaction. I had also received an anonymous tip online implying a massive fraud ring surrounding the transaction that I accuse of being fraudulent. 

My card was stolen and my identity was stolen repetitively by organized XXXX traffickers to include my biological mother, my ex husband XXXX XXXX, my mothers husband, my husbands friends, and multiple other paid assassins such as XXXX XXXX, XXXX XXXX, and XXXX Doll who broke my neck on XX/XX/XXXX, leaving me permanently XXXX since the re-break on XX/XX/XXXX. I am licensed in health care and criminal investigations and I am not lying or not possibly a target. I am actually a significant target of repetitive victimizations and high profile, white collar law enforcement professionals to include XXXX XXXX, who most directly assisted XXXX XXXX in stealing my valuables in fall XXXX. XXXX XXXX also had claimed to be a lawyer and appeared to have close ties with XXXX to retaliate me with in union square in fall XXXX. 

There was a moment where I thought I was free after the first attack by XXXX. I walked into the citi bank XXXX XXXX XXXX in New York XXXX. I remember the incompetent employee who threatened me well facially bit I do not remember his name. He appeared to a XXXX male. I explained respectfully to him that I had been mugged of all my cards, keys, and IDs. He only threatened to call police on me for appearing underdressed and refused to serve me. I was not underdressed. 

The phone calls that citi bank allege that I had with them are obsolete, and in the last letter they wrote to me they are pretending not to have read my cfpb complaint. They are also lying about what was said in the calls and in mail correspondence pertaining to the complaint, for which I was promised a refund and not an appeal of a denial but an actual refund pursuant to documents. They continuously pretend that I have never reported in person, but they also pretend that I have refused to submit the documents they asked. They continuously pretend that I have not submitted required documents even when I have, and they continuously attempt to criminalize, XXXX humiliate me, and threaten me with policing fraud and medical poisons ( diagnostic with prescription fraud ) from reporting violent crime in a so-called developed country. I have history of anaphylaxis and history of sudden unconsciousness ( beatings ) with near brain death. This has never affected my ability to report fraud or to investigate fraud professionally or as a consumer. I became a fraud XXXX for the purpose of bringing violent criminals to justice, not to steal from consumers or be accused of being an illegal immigrant by Citi Bank. I became targeted by fraudsters also because of my status as resident in health fraud investigations.

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 explanation