Consumer complaint received 2018-06-20
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/XXXX I received a letter claiming it's to " collect a debt '' from Citi Double Cash Card. This is odd because I never applied for a Citi Double Cash Card. I immediately called and was told that I was a primary card holder of this account. I was told that my husband, whom I have since filed for divorce from due to his theft of over {$50000.00} of farm money from our farm, was listed as an " authorized user ''. My husband, XXXX XXXX XXXX XXXX was not allowed to be an authorized user on any of my credit cards due to the fact that he bankrupted on credit cards in about XX/XX/XXXX. I was also told by Citi Double Cash Card representatives that I opened this card online and made XXXX an authorized user at that time. I did not open this account online. I do not open credit cards online. I do not authorize XXXX to be on my credit cards. We had a single XXXX card that was joint and was to be used for our farm business. XXXX abused this card and I canceled him from the account. However, I never opened a Citi Double Cash Card online as I'm being told that I did. This Citi Double Cash Card links back to XXXX. There is a charge for over {$2000.00} for a karaoke machine that was ordered by XXXX, sent to XXXX at the marital address that I do not live at, and received by XXXX. At the time this purchase was made, apparently by XXXX, I was locked out of the marital residence and had an active order of protection against XXXX. 

Citi Double Cash Card claims that their " investigation '' is over and that I will be held liable for {$5900.00} of charges on this card that I never applied for. I absolutely will not pay any of this, ever. I have been on social security XXXX since XX/XX/XXXX. The charges link directly back to my husband, XXXX. 

Another credit card, called XXXX XXXX has surfaced with a similar profile. I learned of this credit card on Sunday, XX/XX/XXXX when my credit bureau sent me an email that I am in collections for {$1000.00}. Apparently this credit card was also created online. It links to a XXXX XXXX account. I do not have a XXXX XXXX  account. I have no business with XXXX. My iPhone is through XXXX XXXX XXXX. The address on this account links back to the marital residence that I began moving out of about a year ago, following a domestic incident with a loaded gun. 

I have filed a FTC identity theft report. I did contact both banks and requested a copy of their online policy for application. I was told that it would be fraudulent for anyone other than myself to apply for credit online using my personal information and also to make themselves an authorized user. Both banks improperly opened these accounts. 

Citi Double Cash Card and XXXX XXXX never sent a bill to me, never sent terms or conditions of their card, never requested my signature, and never verified where payment was coming from. Statements for Citi Double Cash Card were being sent to an email address that I have never heard of, payments were made from accounts I'm not familiar with, and at no time was anything sent to me by mail for verification, such as terms and conditions, or other agreements that credit card companies would ordinarily send.

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