Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

This is a formal complain against XXXX XXXX. It all started with my identity was stolen and used to create a credit card account with XXXX XXXX XX/XX/XXXX. I learned about the existence of the account when I received a bill in XX/XX/XXXX. I immediately reported fraud to XXXX XXXX. How or why would someone has my information, despite incomplete or incorrect, was allowed to create an account is beyond me. Additionally, when I made the first phone call in XX/XX/XXXX, I asked them to do whatever it takes to resolved them. Macy 's action was to closed the account while doing their investigation. HOWEVER, it was later reported on my credit report that this account was " closed by the customer '' when it was closed by Macy 's due to the fraud investigation. I have made followed-up phone calls with Macy 's to asked and confirmed that the account was closed, in XXXX XXXX. During these phone calls, Macy 's representative repeatedly asked for my account number when I NEVER HAVE XXXX NOR DO I EVER RECEIVED THE CARD that " I '' " applied and used ''. This information was grossly neglected or ignored by Macy 's as the fact that this situation is the outcome of an identity theft and is a fraud. The responses from Macy 's during the phone calls clearly assumed that this was not the case. As I continue to receive a bill from Macy 's into XXXX XXXX despite being told that the account is closed, I filed an Identity Theft report from XXXX in early XXXX and mailed the letter and report to all XXXX credit agencies. Until then, there are STILL no status updates or results on the fraud account. When I applied to a mortgage lender for loan, a credit pull in mid XXXX resulted in my credit scores dropped by XXXX points. All XXXX credit agencies reported that the derogatory remark was because of the outstanding, XXXX days past-due balance from Macy 's XXXX XXXX I have placed an fraud alert and reported it to Macy 's and XXXX acknowledged during at least XXXX phone conversations. I immediately called Macy 's on XXXX XXXXXX/XX/XXXX morning to confront this information. It took no less than XXXX transfers, including at least XXXX debt collector, to get to the " XXXX XXXX department '' on this fraud account. The immediate phone call claimed that I will receive the investigation results within XXXX hours -- that did not happen. The person who provided the case number was also gave me an incorrect phone number ( to the fraud investigation department ) and a false case number ( which was later verified in a follow-up phone call on Monday ). I then filed a Police Report and submitted it to Macy's/Citi bank XXXX XXXX who claimed that they are doing yet another investigation for another 50 days. No credit agencies acknowledge this account is under investigation but " customer closed the account ''. On XX/XX/XXXX, I physically went to Macy 's to pay the balance of ~ {$130.00} and prepare to file a dispute in small claims court. I have informed both Macy 's and Citi bank in the email chain with XXXX XXXX the intention of filing a dispute through the court, which is required per instruction ( https : XXXX, " A XXXX who sues in small claims court must first make a demand, if possible. This means that you have asked the defendant to pay, and the defendant has refused. If your claim is for possession of property, you must ask the defendant to give you the property. " ). I have first demanded to remove the derogatory remarks on my credit report, and next, since I have paid the balance as a victim of this fraudulent account, I have demand the money back before filing a dispute in small claims court that would consider not only the balance that I paid ( {$130.00} as of XX/XX/XXXX ) but also the interest rate where my money would have saved ( high yield saving accounts that I have currently have a interest rate/APY of XXXX % ). I considered Macy 's lack of actions and irresponsibility have ruined my life despite me being a victim of identity theft and did my due diligence to ensure that I did my part to make this as transparent and as fair as I can. As far as I can tell, paying for an outstanding balance created by a perpetrator is not fair, nor do I suffer XXXX points deduction in my XXXX XXXX. This is literally no way to recover from this nonsense against corporate bullies. XXXX  identity theft report, police report, evidence, history of credit -- none of those things matter.