Consumer complaint received 2020-04-18
Company: CITIBANK, N.A.
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for a store credit card at XXXX XXXX and auto in XX/XX/2019 when I purchased a set of tires. The card was issued in the wrong name which caused a delay in getting the first statement. I paid the entire amount due upon receipt of the initial statement which was received by me after the due date but before the billing cycle close date. I have sent several notices to their secure message system with regards to the incorrect name on this account and I have not received any relevant replies regarding action on my request to change the individual name on the account to the name of the individual that filed the credit card application ( myself ) and conducted the lone credit transaction associated with this account. I have also talked with multiple customer service representatives via telephone regarding the erroneous billings, but they state that since my name is not the name of the person on the account, they can not help me, even though I am the person who applied for the credit. I could tell an untruth and say I am the person whose name is on the account, but I refuse to state that I am someone who I am not. 
The error still has not been corrected after six months of repeated attempts. This atrocious service reflects very poorly on XXXX XXXX XXXX in general and Citibank in particular. The name listed on the account is not the name of the person that applied for the credit card account. The error in billing name caused by Citibank and XXXX XXXX  and/or one or more of Citibank 's and XXXX XXXX representatives has caused delays in receipt of statements and notifications sent by Citibank to the account owner since the correspondence is not addressed to the account applicant/owner. In addition, this error and inability or unwillingness for Citibank to correct its and/or Citibanks partners mistakes has caused undue duress, frustration, time, and costs associated with repeated attempts to pursued Citibank to correct Citibank 's mistake. This error caused wholly by Citibank resulted in the accumulation of late fees and interest fees that otherwise would not have resulted had Citibank conducted its activities in a prudent manner. 

Due to the egregious error and blatant disregard to my previous requests to correct the error made by Citibank, under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and pursuant to 15 U.S.C 1692g ( a ), I have written to inform Citibank that I dispute the validity of the debt in its entirety. According to my understanding of the provisions of the Fair Debt collection Practices Act ( FDCPA ) they must stop any and all contact with me until after my dispute has been investigated and they have provided proof of the debt in writing to me. However, they have continued to send statements indicating amounts due without provided requested proof. I have asked them to stop contacting me until the requested proof is provided, but they continue to violate the consumer protection laws with repeated contacts.

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 monetary relief