Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (KS)

Citi XXXX Response Unit Cc : Consumer Financial Protection Bureau In response to attached Consumer Financial Protection Bureau email to me dated XX/XX/XXXX. Complaint ID XXXX. Stating Review the companys response to your complaint. The company has responded. You can review the companys response by phone with someone. The complaint is now closed. 
XX/XX/XXXX I called three times and someone answered finally at XXXX and said someone would call me back within 48 hours to review the findings. 
XX/XX/XXXX I called and spoke with XXXX at XXXX, asked to review what was the result of the investigation and that I had not received anything yet. He said someone would call me within 48 hours to review the findings. He said a new investigation was opened and he was just assigned three days prior to oversee this case. He said it should be completed by XX/XX/XXXX. I asked why there was a new investigation. He did not say. My thoughts are that they wanted to make it look like the investigation was completed with the Consumer Financial Protection Bureau Citi Reference Number XXXX. Seems like funny business to me. At the end of the conversation with XXXX he confirmed that someone would call me back within 48 hours. 
XX/XX/XXXX I called 7 times and the automated line answered and the line picked up but no noise. 
XX/XX/XXXX I called 4 times and someone answered at XXXX and we spoke for XXXX minutes. She did not know what the result of the investigation was and that someone would call me back within XXXX hours. I told her no one has ever called me back since XXXX. She assured me someone would call me back. 
Just an FYI. No one called me back ever. 

XX/XX/XXXX I received attached Citi XXXX dated XX/XX/XXXX, Citi XXXX XXXX : XXXX, stating In response to your claim that the account referenced above was opened without your knowledge, our position has not changed. We consider you responsible for the account because : o A Balance Transfer ( XXXX ) from this account was deposited into an account in your name. 
o Payments ( XXXX ) were made from an account in your name. 
o XXXX ( XXXX ) were mailed to an address that belongs to you. 

I called 6 times and spoke with someone at XXXX who said there was Bank XXXX XXXX XXXX and {$8000.00} balance transfer from XXXX XXXX ending in account XXXX. I want to refence attached previous letter and documentation sent to XXXX on XX/XX/XXXX at XXXX regarding XXXX XXXX. You can review the entire documentation on that email, but I want to specifically bring up points XXXX, XXXX, and XXXX. 
# XXXX. I attached Bank XXXX XXXX letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating You are not responsible for any transactions, interest charges or fees associated with this account. We removed the XX/XX/XXXX inquiry for this account. This information was previously sent to Citi at XXXX on XXXX/XXXX/XXXX at XXXX. 
Tell me why this documentation does not work as proof?? 

# XXXX. XXXX letter dated XX/XX/XXXX stating we found the account to be fraudulent and you were not held responsible. This information was previously sent to Citi at XXXX on XX/XX/XXXX at XXXX. This is for account ending in XXXX. 

# XXXX. Regarding Capital XXXX account ending in XXXX, I have talked to XXXX XXXX several times and there was only XXXX account that my SSN, name, and address was associated with and it is the XXXX ending in XXXX. On XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX a XXXX way call with the fraud department at XXXX XXXX where they told him that the account was fraudulent and there was no other accounts listed under my SSN, name, and address. Please listen to the recording. I attached Citicard email dated XXXX. My lawyer subpoenaed Citicard for all information regarding the investigation on my identity theft and fraudulent allegations. She received the subpoenaed information the week of XX/XX/XXXX. There is no account listed in Citicards investigation documentation with an account ending in XXXX. I want to see the documentation of an account that has my name on it that ends with XXXX. Has Citicard asked XXXX XXXX for that information??? I have been told by XXXX XXXX XXXX that they have not. 
Did Citicard ask XXXX XXXX for documentation yet? I was told by XXXX XXXX XXXX in XXXX that they did not. 


Again, my lawyer subpoenaed Citicard and received XXXX pages of documentation on the week of XX/XX/XXXX. None of these pages had a number of XXXX on them. Do you want me to send you the XXXX pages??? You have them and sent them to her. I want the documentation showing that number XXXX. 

Since the time I have submitted a complaint against Citicard to the Consumer Financial Protection Bureau on XX/XX/XXXX, Citicard sent me the attached letters sent by XXXX second day dated XX/XX/XXXX and XX/XX/XXXX trying to get me to change the phone number and email address on this account ending in XXXX and also to try to scare me to make a payment. This account is not mine. It was set up by my ex-husband illegally without my knowledge. He used his email address and his phone number. I have never changed it. You should have never given him approval to get the cards to begin with. I have never made a payment. He took out XXXX credit cards in my name without my knowledge, all of them are off my credit report except this one. He stole my identity and you have proof for most of them. He made payments to cards that were fraudulent. 
This was the only time I had ever received anything by XXXX from Citicard. Seems like funny business to me. 

I have spent hundreds of hours with Citicard and well over a year. You need to finish the entire investigation and give me the documentation that I have asked for and take it off my credit report. 

Call me if you have any questions. 

XXXX XXXX ( XXXX ) XXXX