Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Dear CFPB, I am feeling helpless and violated. It is about 2 months passed, I have informed you regarding fraudulent charges and unauthorized transaction to XXXX credit cards. I have filed it online with relevant documents. I have provided relevant document in support of my evidence. But it is unfortunate, being a guardian of the citizen and XXXX  of a XXXX XXXX XXXX XXXX how that has been taking so long and remain unresolved. Does not it talk about the equal opportunity and against all sorts of racism. 

I was out of a XXXX XXXX XXXX XXXX and after I have return to XXXX, I have found someone made unauthorized transaction with some credit card which I am completely unaware of. Basically, Identity theft happened. I have reported the matter to XXXX police and the report no XXXX. I am appalled and dishearten to witness that type of severity and hostility. However, I still have hope that some good people still exist on earth and justice will prevail. Imagine someone misused your card and make charges against you on your incognizance, will that be fair to you? 

Even XXXX XXXX department has found that I am not responsible for this credit card account and deleted that. However, Citi bank has not done anything and irresponsibly ignored the matter. Forget the charge off, if they dont co-operate and provide justice to me, then I would have no choice other than taking legal action with compensation both from Citi bank well for defaming my credit profile. So, being responsible entity and guardian of the citizens credit profile, I request CFPB to remove the false flag of charge off against my credit report that is completely illicit, unauthorized, and happened without my knowledge and permission. I dont want the matter to escalate to media house to make a big massive protest to expose this vicarious racket and legal forum that would not only expose the ugly side of the Citi for patronizing their illegitimate work. After all XXXX XXXX  is unacceptable and illegal in this country and no can should favor it in modern world. As a guardian of the citizen and their well-wisher CFPB will understand the fact and situation of the matter, protect the right and assist the victim to delete the false charges thrown on to my credit report/account.

2 months has passed away and a gentle legal warning has been sent to Citi for taking care of the matter and they have not done anything as of now! Doing nothing or not working because of foreign race is not an option. Citi bank has technically, legally, and officially failed to provide me the following informations until yet. 

XXXX ) Copies of all written contracts and agreements of the parties ; XXXX ) Anything signed by XXXX XXXX ; XXXX ) All business records of Citi concerning the alleged debt ; and XXXX ) Records of payments made by XXXX XXXX concerning the alleged debt. 

That is why they have no right to malign my credit report as they have done nothing, no work to assist the innocent client. XXXX Bank have not bothered to call the person who used the card and made partial payment. Could you explain why they didnt do that? Because they have no good intention and willing to do that and unfortunately that is not a choice. 

CFPB Should investigate the matter whether there is a deliberate indifference/ignorance to the matter from the Citi side XXXX any other money minting racket is involved from Citi side XXXX I was told to pay the money when first called them even the account is deleted & have NO official existence! This is absolute illegal and corruption and that is why Citi is silent on it. I request CFPB to investigate the matter on serious note, blacklist the Citi if they deny the truth and being justice as a responsible honorable institution! Because XXXX XXXX XXXX XXXXXXXX has greater expectation and hope on them! 

Looking forward for your co-operation and justice Thanks Sincerely XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 non-monetary relief