Consumer complaint received 2017-05-23
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I 'm a XXXX XXXX XXXX XXXX independent adult child living in XXXX and my Dad and the rest of my family is in Mississippi, but we still talk on the phone all the time and every day. I 'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but I 'm very smart and I even though I do n't notice things right away - I am able to put the puzzle together eventually. I went to the nearby Costco in the XXXX XXXX area of XXXX and registered as the Executive Signature Account member and I added my Dad as a secondary member with purchasing privileges, because they do n't have a Costco in Mississippi yet. Costco 's rules and advertisements clearly state that the primary Executive account holder will be responsible for all payments and all of the charges made by the other members signed up under their names. Well, The lady who registered me at the desk - it was super crowded - kept asking me to put information in a pin pad and then she said something about one way to pay at Costco and I should put in you know basic information like phone number and social security for myself and my Dad. She said that she did n't have a decision for whether I was approved or not - I thought she meant the membership, but apparently she was signing me up for some Visa Card through CitiBank sponsored by Costco - and she said when I come back next time she 'll help me again if it did n't work this time. So next time she got the card for me and took my picture for my new credit card and told me that it was my credit card and my Dad would also get a copy, since the mail was going to my home in Mississippi. Eventually some lady at CitiBank called my Dad and my Dad called me and he was angry and he had to explain to me what happened, so I went to Costco and asked another lady to fix it and she assured me she would. Then CitiBank closed the card right before I was about to take the vacation that I had purchased everything on the card for, so the vacation did n't happen. And the card is n't under my Social Security number, it is under my Dad 's and he is so XXXX. It should be under mine, because Costco said I am the responsible one. I want to work on my credit score, my Dad already has like a XXXX!! I registered my bank account and made no secret of who I was and that I assumed it was my card. I experienced some confusion as to why they would make me always put in information for both cards, but apparently I was just the additional card holder. My Dad was n't even there. Ctibank still has n't sent my Dad a denial of account papers and when I went to a branch in XXXX on XXXX XXXX the other day the man at the counter named XXXX refused to provide me the paperwork too. Please protect me from CitiBank suing me - I live on XXXX and that vacation that they ruined was going to be the only vacation I had ever taken like that. So since they would n't transfer it to my social security number or work with my Dad and me in anyway, and kept saying that Costco does n't matter because they are the bank - but Costco signed me up! Instead of signing me up they signed up my Dad. That is fraud and identity theft, but I believe in this case CitiBank knows they committed fraud and thinks they will pass it off onto me since I 'm just some XXXX XXXX kid, but I 'm smart and I know that what they did was not legal and that Citibank and Costco have conflicting clauses. CitiBank is now using abusive collection practices and I think they are about to file a lawsuit, and I would like you all to stop that, because I ca n't handle another headache and my Dad 's mom is XXXX from XXXX. If they want to try to push the issue instead of issuing my Dad and Myself ( and I want any negative comments regarding this incident struck from the company records, since they engaged in illegal banking activities and cramming and garnishing my XXXX money for paying the credit card bill. ) I disputed the payment with XXXX XXXX XXXX, but since XXXX XXXX XXXX has no ADA accessible branches, like CitiBank, I 'm not easily able to do banking and it sucks. CitiBank is a bully bank and I 've returned all their phone calls and I can prove everything I 've said here and more, so I dare them to challenge me on anything. If they say they are recording me, does that mean they assume I am recording them too then? I am not saying I recorded anything - but it is a question I 'm asking. The way I 've been spoken too by CitiBank on the phone is just short of a Hate Crime status in terms of berating a XXXX adult and calling me a criminal when I do n't let big corporations scare me like that, because I walk with XXXX in Truth and when you are in Truth then no evil can touch you ... so I 'm confident CitiBank will fall and I am sensing this is not an isolated case of mixing up social security numbers and selecting a number with a higher score. This is definitely civil rights violations and they told me I 'd never have a credit card again and I 'm going to jail and I had n't even the chance to say anything. I did nothing wrong and never hid a thing or acted like a criminal, as any judge would see - please issue something like an order against them demanding they return all money they took from me and erase any history of these cards from my Dad 's social security number. He was in Mississippi at the Time!!! The Credit Card has my picture on it and is also my Costco ID. I mean, please - CitiBank is so ridiculous and abusive that I do n't know what to do. I would definitely like to counter sue if they proceed with any actions. And they should definitely somehow make right what they ruined when I missed the chance to go on the rare opportunity to go on a trip with a friend before I die. Please help me y'all. Please do n't let them hurt my family now, we are hurting already. They are a bad bank. And shame on XXXX XXXX XXXX for not helping me! Costco just acts like they have nothing to do with the situation! I want somebody to contact me and I can explain better because I 'm typing fast in order to get all my thoughts downXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is barely enough to live on with all my medications! Help me fast please.

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