Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I am writing to bring to your attention a series of fraudulent activities that have occurred on my account, which I believe require immediate investigation and resolution. I recently discovered unauthorized transactions and identity theft incidents that have significantly impacted my financial stability and personal information. 

**1. Unauthorized Credit Card Opening : ** As of XX/XX/2023, according to the information provided by XXXX XXXX, it has come to my attention that an individual has opened a new credit card under my name. The malefactor has made charges totaling {$490.00} out of the {$500.00} credit limit on XXXX. I wish to emphasize that I have not authorized any of these transactions, and this marks the third unauthorized line of credit opened under my name. 

**2. Unlawful Charge on Best Buy Account : ** On my last reported statement dated XX/XX/2023, there is a charge of {$8300.00} to my Best Buy account. This charge was conducted in another state at the same general location as the previous theft, indicating a pattern of fraudulent activities. 

XXXX. XXXX Identity Theft : ** On XX/XX/2023, an individual in XXXX XXXX XXXX Texas, entered a XXXX store and locked me out of my account along with my mother 's account. This unauthorized access resulted in a 48-hour period during which my family and I were denied access to our phones. Subsequently, XXXX transferred our account information without our consent to another person. On the same day, I was charged {$5000.00} to an account by XXXX, allegedly through a purchase at XXXX XXXX XXXX XXXX XXXX XXXX Texas. I would like to emphasize that I was physically present in California when this incident occurred. 

I have already taken several steps to address this situation : 1. I have contacted the bank associated with XXXX XXXX and a representative has informed me that the account is under investigation and currently frozen. 
XXXX. A XXXX representative has sent me an affidavit, which I plan to submit tomorrow along with a police report.

3. I have notified XXXX representatives that I will be demanding a report between myself and their representatives to establish accountability for the unauthorized transfer of my account. 

Considering the severity and frequency of these incidents, I am reaching out to your security team to request a thorough investigation into these unauthorized activities. Additionally, I request that you take immediate action to rectify the financial damages incurred and enhance the security measures associated with my accounts to prevent further occurrences.

Citibank has been uncooperative, even after submitting my police report to their representatives and explaining the situation with the other two banks they have repeatedly denied my fraudulent claim. I have attempted to work this matter out with them for years with no result.

Citibank 's failure to resolve this matter, which was resolved by the other two banks years ago, will impact my situation in terms of housing and conducting business.