Consumer complaint received 2021-02-07
Company: CITIBANK, N.A.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
First of all, i am a young hardworking man who deserves my fair share of consumer rights laid out for us all to see and abide by. I should not be held responsible for things i am not liable for. Big businesses everyday get away with unfair business practices in order to save themselves a extra buck or gain extra bucks, but I am not one to let it happen to me! 
I am currently going through a identity theft recovery and i have had a couple credit accounts opened in my name and also fraud charges against my actual accounts from an incident in early XXXX! A guy ran up on me in XXXX of XXXX, outside of XXXX XXXX  and pretty much beat me up and took my wallet which held my ID, SOCIAL CARDS, INSURANCE CARDS AND DEBIT/CREDIT CARDS. I was contacting my banks and such, giving them a heads up on what happened. Long and behold, there were multiple fraud charges on some of my credit cards that were compromised, i was able to take care of the situation through my banks, mostly all of them did not hold me liable for any unauthorized charges EXCEPT for my XXXX XXXX XXXX credit card issued by DEPARTMENT STORES NATIONAL BANK. I personally called them in early XXXX about a {$5000.00} unauthorized charge made or posted on my account on XX/XX/XXXX ... They said they'd investigate the case and it can take up to XXXX. Meanwhile my account was still accessible to the crime thief as it was charged again and again, {$2500.00} on XX/XX/XXXX and another {$2500.00} on XX/XX/XXXX. I contacted them again in XXXX about it all, and was told not to worry, my account had been adjusted with the proper amount of credit so i moved along and assumed all was taken care of until around early XXXX i come back to view my account online and see that they had reversed all of the disputed fraud charges on my account. I also got an alert from the credit bureaus that this card account was maxed out, staining my credibility. I also got a letter in the mail dated XX/XX/XXXX, XXXX see letter in attachments XXXX stating after review of the investigation, they decided to permanently reverse the credits from my account because they said the charges were made using my previous cards " protected '' embedded chip?? Like that meant anything in my case. There are no card codes to process a charge on my credit card with them, hence, anyone can literally use my card with no problem, as they did! They claimed on the letter that the card was in my possession so the transactions in questioned arent considered fraudulent activity ... XXXX what!? I LITERALLY TOLD XXXX, MY WALLET AND CARDS WERE STOLEN! WHAT KIND OF MADE UP STORY YALL GOT IN XXXX  SYSTEM THAT HAD ME IN THE PRESENCE OF MY CARDS BEING FRAUDULENTLY USED. What the XXXX. I was beat up and robbed! I FILED A FTC XXXX XXXX POLICE REPORT and sent it to the credit bureaus for the accounts opened in my name and fraud charges from the incident. The thief used my cards, NOT ME. I AM NOT RESPONSIBLE AND I SHOULD NOT BE LIABLE for XXXX worth of purchases, they need to GIVE ME BACK THE FULL XXXX CREDIT ONTO MY ACCOUNT FOR USE or CREDIT THE ACCOUNT AND CLOSE IT OUT. Either way, will make it right. You can't force liability on me, this is unacceptable, making up 'card in my possession ' stories in XXXX back offices that was NOT claimed by me in any claim initiated and XXXX KNOW IT. Total unfair business practices and I wont stand for this.

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