Consumer complaint received 2016-02-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
In XXXX XXXX, a XXXX XXXX ( XXXX XXXX XXXX ) card was opened in XXXX with my Mom as the primary holder and bill payer with just my name on it with a charge up to {$500.00}. In XXXX XXXX, the charge was increased to {$2500.00} with a notation that the amount could never be altered without my permission because I did not want my mom changing terms on the card. The card company said they would 100 % notify me and would note in the paperwork my concerns of always being notified of changes. 
After hearing that I relaxed and forgot about the card. It was never was used by me after XXXX ... in fact I thought the card had been closed because I was married now and did not want my mother affecting my husband 's finances and once I got married and never used my maiden name again felt the card would not be inexistence. Whenever my husband did credit checks the card never showed up. 
Fast forward to XXXX XXXX ( 16 years later ), we were applying for a loan and the credit company ran my maiden name and {$24000.00} was charged on this credit card. We were shocked because we did n't authorize any of these charges and know about the card and it effects my life, my kids and my husband 's financial security. 
This credit card company at XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) unauthorized changes to the original card by 1. ) Changing me to be primary holder of the card ( credit determination based on my income ). 2. ) Increased fees up to {$25000.00} to charge-unauthorized. 3. ) Improper closing and handling of the account- my Mom ( XXXX ) who is XXXX years old pays {$500.00} every month and the credit card company keeps {$200.00}. Improper interest rate on a closed card of 22 %. The card was closed by me when I found out about it. 
4. ) Improper notification to both card holders of fee increases and charges. The credit card only sent notification to XXXX. I have been living in XXXX for 32 years and the card was opened in California. Not once did I receive a credit card to charge on from this company nor had any notifications from XXXX to XXXX. The company does not have the address of the home I have lived in for 15 years. 
I recently called the credit card company for the credit card number so I can check online the progress and they said no. I only have a credit report from XXXX XXXX when we were applying for a loan. 5. ) I have not used my maiden name on any documents in 22 years ; I always use my married name. 6. ) Improper billing. All the billing is sent to Rhode Island and all the charges to place in XXXX. 
My mother was to retire back in XXXX at the age of XXXX. Today, she is XXXX and has been unable to retire due to this loan. As of right now, she has XXXX XXXX and XXXX. This is a financial hardship on her. This company loaned {$25000.00} to someone who was retiring. I feel they caused fiduciary XXXX making her work to pay it off and they keep {$200.00} every month. 
Please look into this situation of XXXX credit card company 's improper handling of the card and unauthorized changes, improper notification to both names on the card, improper increases without proper checking, and improper interest rate with unauthorized and negligent unethical and unfair business practices. 

Thank You

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