Consumer complaint received 2017-02-14 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Sometime in spring or summer of XXXX, XXXX XXXX XXXX XXXX Citi credit cards open an unauthorized credit card in my name. Once the account was opened they UNJUSTLY ENRICHED both Citi XXXX XXXX by charging fees that were never authorized. In XXXX of XXXX XXXX XXXX Bank was fined {$180.00} XXXX for fraudulently opening accounts in a similar manner. see- https : XXXX? XXXX In all of XXXX, Citi & XXXX failed to send and have XXXX acknowledge credit cards by activating them. Citi XXXX XXXX posted unauthorized fees on the account to unjustly enriched either XXXX or Citibank. 

The fees charged to the account were never : 1. authorized by me. 
2. for any tangible or consumable product whatsoever, they were only for intangible membership fees, service fees or late fees provided either by XXXX XXXX Citibank XXXX 

On XX/XX/XXXX, I received my first communication from Citibank concerning this account in the form of a statement which was now XXXX month PAST DUE with late fees and service charges. 

I was outraged at this fraud for the following reasons : 1. I never authorized this account. 
2. I never activated the any credit card for it. 
3. I never authorized any charges to this account since I did not know it existed as an open and active account. 
4. I have another account with Citibank which is in good standing and I do get my statements from them on that account. 
5. I have an exceptional credit score, this fraud against my name account will damage my credit. 

On XX/XX/XXXX I called the Citibank customer service line. I complained about this and disputed the bogus charges and the late fees which would unjustly and enrich both Citi XXXX XXXX. The customer service agent taking the call agreed to refund the all charges and fees and offered to send me out a credit card for this account if I wanted to keep it open by activating it. I agreed to keep it open on the condition that they would show it current and refund the unauthorized charges. The card was sent out and received the first week in XXXX of XXXX. 

On XX/XX/XXXX I went online to view this account and saw that nothing had been credited back to it. I then called customer service at Citibank again explain the situation a second time and disputed the charges a second time. Once again Citibank agreed to refund the fraudulent charges. In addition to that they got a XXXX representative on the recorded line and the XXXX represented it agreed to refund their charges. 

The XXXX representative further directed me to go into the a XXXX store and pay a membership if I desired to be a member. I have been a member of XXXX since the year XXXX and I expressed outrage it how they could do this. The XXXX representative advised that I had an XXXX XXXX card and XXXX used to honor XXXX XXXX ... XXXX discontinued that relationship with XXXX XXXX and had allowed XXXX XXXX to " sell me '' to Citibank. I did not know that becoming a XXXX member somehow made me an " indentured servant '' with no constitutional or consumer rights where XXXX of their vendors could actually " sell me '' to another as if I was some sort of slave. I seriously doubt that this explanation is legal. 

On XX/XX/XXXX I logged on and checked this account. Proper credits were not made and it was still past due. 

I an seeking remedy and damages since the company willfully ignored the opportunity to remedy their unjust activity. I clearly no longer wish to be a XXXX member since they 're engaged and a " course of conduct '' which constitutes fraud and unjustly enrichment of XXXX and / or Citibank.

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