Consumer complaint received 2020-01-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.

Complaint:
XXXX- XXXX  I opened up a business account for my new business XXXX XXXX XXXX in XX/XX/XXXXusing my social my personal information my name my last name and date of birth and my address which that time was at XXXX  XXXX    which I worked and I live there as well upon applying it asked me for my tax ID number at that time I put my sales permit number which is a tax state tax number usually for wholesalers I put that in as my Thats ID number since I did not have tax ID number and I thought my sales permit number would suffice a few weeks later I received a card in the mail that had my business name and my name on it so I used it and did not get a statement I called them and they stated that the accounts been closed somehow my card was linked to my old Account the XXXX  XXXX   which I worked previously and I currently live there they contacted police department which accuse me of committing fraud however in the investigation I recently found out that my social my name everything that pertains to me was used in the application and my business name was used and my credit card onlyHad my business name and my name never my old employers name that was added after I applied someone and Citibank looked up the address and added the address account name which my apartment complex had the same account or an account with Home Depot for the complex they popped up the same address however they did not put my apartment number only the street address which showed the apartment complex officeI had a phone bill through XXXX XXXX XXXX or XXXX at that time that was again using my apartment address however the phone company later on they corrected the account to reflect apartment number instead of the complex this mixup reported my information and the apartment complex office information as one agency which XXXX XXXX XXXX recorded as parent company this was done not by me but by Citibank when they linked the two accounts as one under the apartment complex office instead  of my apartment number this caused a XXXX  XXXX  and at that time I represented myself and lost I spent XXXX  months in XXXX  and to this day Citibank never told the truth and I am still suffering from the effects of Citibank having the ability to edit applications and fix information that was never added but added after the fact just to approve applications they single-handedly input other information which they think is relevant or corrected this in return is a scheme because ultimately I owe {$20000.00} of restitution to Citibank which Ive never Received any merchandise from Home Depot because it was a controlled order and law-enforcement intercepted the order I am undergoing a application for XXXX  review the District Attorneys Office agree to review my XXXX  because they agreed that Citibank made improper allegations and may have indeed added the information when verifying the credit account Citibank made a error and my life was changed forever

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