Consumer complaint received 2016-07-30
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Other

Complaint:
My former employer ( non-profit, religious organization ) required me to apply for a Costco XXXX in my personal name in order to purchase products and goods used by the organization in their normal scope of business. I left the organization in XXXX 2016 and removed myself from the organization 's Costco Membership. I recently learned that the organization incurred {$68000.00} on the XXXX card that is in my name. On XXXX XXXX, 2016, I was notified by the organization 's Finance Administrator via text message that I am the primary account holder on this card and that the primary holder is responsible for the balance and he requested I close out this account so that the organization can re-apply with Costco XXXX ( now Citibank ). On XXXX XXXX, 2016, I closed the account. On XXXX XXXX, 2016, I asked the organization ( verbally via phone and in writing via email to the Finance Administrator ) to pay off the balance or transfer the debt within 5 days. The Finance Administrator verbally said that the organization is 100 % liable for the charges on the card and that they will pay it off as they have the funds. He stated that they do not have the cash to pay off the balance within 5 days. I asked for a letter to be sent to me stating the claim of liability and a written payment plan. He agreed to provide this information in writing. I have not received this letter. 
On XXXX XXXX, 2016, I followed up with an email to the Board of Directors, the President of the Corporation and XXXX other XXXX credit card holders ( employees of the corporation ). Additionally, On XXXX XXXX, 2016, I sent a letter to the President of the Corporation via certified mail asking for this matter to be resolved immediately. 
The organization has not made any attempt to contact me at this time. 
Following the advice given by the Costco Citibank XXXX Customer Service Representative that I spoke with on XXXX XXXX, 2016, I requested ( via the letters mentioned above ) that the organization provide in writing claim of liability for all charges on the card and provide a payment plan. The corporation incurred 100 % of the charges on this card ; I incurred none of the charges on this card. 
When I spoke to the Finance Administrator on the phone I asked him how the credit limit was increased to accommodate a {$68000.00} balance. My recollection is that the card had an {$18000.00} credit limit. He said that the organization negotiated the credit limit with XXXX earlier in the year to purchase airfare tickets for student mission trips. I did not approve a credit limit increase, nor was I contacted as the primary account holder to make this change. 
Furthermore, this debt alludes to misappropriation of funds due to the fact that students and chaperones fundraised and the organization accepted donations from contributors to send students on mission trips, yet the funds raised by students ' efforts were not used to pay for mission trip airfare as evidenced by the outstanding balance on the XXXX card. 
To the point that I would like my name removed from this debt and activity on this card not affect my personal credit or my personal financial obligation, I ask for your assistance in resolving this matter.

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