Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
A credit account was opened in my name without my authorization at Best Buy financed by Citibank and approximately XXXX was spent. I was never notified by e mail or US Mail. I never received a card, a statement or any kind of e mail or text alerting me of the establishment or use of this account. Further I never received a bill or request for payment the entire time this account was active. Documentation was being sent to an undisclosed address by Citibank.

I discovered the existence of this account because of a credit bureau notice of delinquency in XXXX through an alert from my credit monitoring firm XXXX 
I contacted Citibank in XXXX and they opened a fraud investigation. 
I recently received a notice from Citibank notifying me that the account was being sent to collections. 
At this time I do not have any communication from Citibank on the status of my fraud analysis. They said that a letter was sent, however it was not sent to my address because it has not arrived. Nor has any other document from Citibank. 
I called Citibank again on XX/XX/XXXX found out that the XXXX mail being used was XXXX I indicated that this was fraudulent. 
I was told that the account ending in XXXX was set up 2 years ago. I stated that I did not set or authorize this account to be set up. 
I was told that an authorized user added by the name of XXXX XXXX. I communicated that I did not authorize that person to be on the account. 
I retrieved the following address from my credit report associated with a Best Buy Account run by CBNA. This address is not mine and is not associated in any way with me. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX The account according to Citibank has had random amount payments made but they have since stopped. CitiBank is pursuing me through collections to pay for a credit account associated with a person and address that is not associated with me. ( CitiBank Fraud Case XXXX ) This is the second major fraud incident allowed by Citibank against me as this happened to me last year as well. In this XXXX case I closed my Citibank account several times and replacement accounts were generated and new cards were mailed elsewhere to an address unknown, I was not notified, nor did I request a new account or new cards. The replacement cards were used to make purchases. This was Citibank Identity Theft Claim Number XXXX. I HAVE NO OTHER CITIBANK ACCOUNTS. It strikes me as too coincidental that a random person would know exactly when I closed an account and then order new cards to be sent elsewhere immediately in real-time. 
Presently, it is happening again with Citibank. This time the fraud agent at Citibank hypothetically described a situation where I might be the criminal. They got defensively aggressive with me, very unusual. 
They have not give me addresses of the person ( s ) who are pretending to be me.

They have not sent me account statements showing purchases.

They have not send me proof of the accounts establishment with my signature or proof of my authorization directly linked to me. 
Citibank has established a relationship with a Identity Thief who is conducting criminal activity through Best Buy. 
I have recently changed the XXXX mail address on the account and have received a statement from Best Buy but can not log in to see information. 
This has been reported to the Pennsylvania State Police Investigation Number XXXX This has been reported to the US Postal Service Identity Theft Department Reference Number : XXXX This has been reported to the Federal Trade Commission XXXX I need your assistance. 
Thank You,

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