Consumer complaint received 2016-07-11
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Other

Complaint:
Inaccurate and misleading response to a cfpb complaint regarding the application process and inquiries on a Citibank account on my credit report. See attached. 
Regarding XXXX inquiries made in attempt to acquire a Citibank card. 
Regarding the inquiries : Application made on XXXX XXXX, XXXX was declined due to a recently established account -- I do NOT have a Citibank card. I received a letter declining the application stating that I had already had a Citibank card, I do NOT. The letter from the executive response unit also states this as a fact, it is incorrect and is a fact that can be proven. The inquiry needs to be deleted from my credit report as it was incorrectly processed by the Citibank system and therefore was not any possibility to be a valid and good faith inquiry based on the Citibank system, which is confirmed by the response given to the cfpb. The response goes on to state that a call was made by myself to the customer service dept regarding this account, again, which I do NOT have, and that after I called Citibank I never called back. There was NO REASON TO CALL BACK. Please review and provide a FULL TRANSCRIPT of the call which will completely explain what was discussed. Delete the inquiry. 
Regarding the application made on XXXX XXXX, XXXX -- -I was directed by the fraud department of Citibank ( as resulting from the above-mentioned call to customer service ) to make yet another inquiry, and to use a different address when making the third application for a Citibank card. I used my business address. In the response letter to cfpb it states that in this inquiry/application, my social security number could not be verified and a letter was sent to me with no response. 1 ) I never received a letter, 2 ) the social security number was clearly valid for the attempted applications made on XXXX XXXX, XXXX and XXXX XXXX, XXXX, so why was the 3rd application not validitated. 
I am again noting and was completely ignored and not addressed, that I have an identical twin brother with the same birthdate, same home address, and he has a consecutive social security number, which the customer service fraud department representative was made aware of and responded to in my call in to customer service regarding the SECOND application I attempted to make. There is NO FRAUD but there is a mix up in the application process of the Citibank system and this needs to be addressed and corrected. 
The response letter from the executive response unit nicely quotes legalities of the online terms and conditions for submitting online applications that Citibank is authorized to pull credit. Do they read what they write to the cfpb and the consumer? Does this make sense? Is this an actual response? Delete inquiries # XXXX and # XXXX from my credit report because there was no possibility of accurate consideration of these XXXX applications. I am certain this is happening to other consumers in their attempts as well, and this should be investigated if not resolvable.

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