Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was a victim of employment fraud XX/XX/year>. I was hired by a company trade and XXXX XXXX. I was hired by this company as a recruitment XXXX .. they found me on XXXX, I went through training. I spoke to them and had interviews on the phone. They sent me a contract. I accepted the position until my company card came in the mail they requested. I buy office equipment that I need to send to the different branches, they asked me for balances on my credit card and they paid them down with their bank information which we now know our faults and fraudulent. They stole over {$7000.00} on my Citibank card and caused achiever Macys and Citibank in XXXX to have late fees as I was unemployed when I found out that it was fraud and stolen accounts. The only way that I found out this was fraudulent was with XXXX XXXX, who requested an authorization from the other bank Citibank has no process, but to use a loophole because I made the payments thinking I was employed Citi Bank uses the loophole because I was on the phone paying down my credit cards so I can buy the office material until my company card came in the mail. I found out within a week when I would buy the material ship it with their label at XXXX and because of Citibank system XXXX days later, it would bounce back as fraud. Citibank needs to send me their process of how they allow such large payments without checking or asking for authorization letters like XXXX XXXX.. I have filed a police report. Ive emailed each credit bureau. What happened? Ive called Citibank XXXX XXXX XXXX this fraud happen because they go after the banks and they use innocent citizens to do it and Citibank, which is the worst bank who takes no responsibility. The only people that are helping me were trying to help me is Macys to remove late fees after this happened to me and XXXX we got hit with so many hurricanes in Florida. I have not been able to buy a home that Ive been trying to do before this started. Ive paid Macys I paid in full even with, even though they reported all the late fees due to this fraud which they are helping me to remove achiever. I pay monthly even though they report late fees every month. I paid Macys off. I paid XXXX off. I paid XXXX off. The only card that has not been paid off is Citibank as they will not work with me. They just closed it and continue to report late fees. This is unjust that Citibank uses the loophole that I paid my credit cards down innocently thinking I had been working for a legitimate company. I know Citibank and other banks have experienced this exact employment fraud before and due to being unemployed after this fraud, I was attacked with late fees that show up on all three credit reports. I am praying that Macys was able to fix all the late fees as I thought. The only company that protected me was XXXX XXXX. They would not allow any kind of payments from other banks other than my own without an approval letter. XXXX needs to remove all the late fees as they understand what happened to me if there is no resolution, I will get an attorney because this is unjust. Ive already written a letter to the XXXX government and I will continue to send every single month how these fraudulent companies can do this and get away with it and the banks do nothing. I did my police report in 2023. I emailed what happened to every single creditor. I sent it by email in writing by XXXX XXXX XXXX over the phone. All I kept getting was international people that didnt do anything when I called to explain about the fraud

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