Consumer complaint received 2025-03-12 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:
I am a documented victim of Identity Theft. 

A credit account ending in XXXX was opened at Best Buy financed by Citibank NA and XXXX was spent. I was never notified by XXXX mail or US Mail. I found out of the account when my credit score was affected because payments had stopped, and the account went delinquent. I was alerted by my Credit Monitoring company XXXX. I called Citibank immediately in XXXX upon finding out of the account and told them that I was a victim of Identity theft and that this account was not mine. I also alerted Citibank that I had another serious problem with CitiBank just last year. ( Citibank Identity Theft Claim No. : XXXX ). This was also reported to CFPB Complaint XXXX in XXXX of XXXX. 

This is a new occurrence that I need help resolving. 

What I know from Citibank is that the account was opened in my name approximately 2 years ago with an authorized additional user set up! This would have been before my problem occured in XXXX with Citibank. At that time, in XXXX, I confirmed with Citibank that there were NO accounts opened associated with my SSN. They confirmed this and assured me that this was true. Apparently, that was not true based on the information shared with by XXXX of their fraud department ( XXXX ) on XX/XX/XXXX. The fraudulent account associated with this complaint was approved and set up by Citibank without any authorization from me AND there was no communication with me related to setting up this account. 

This account was used to purchase approximately XXXX of merchandise, some random amount payments were made by the fraudulent user to keep Citibank happy. These were made by the fraudster. These have now stopped, and Citibank is sending negative reports to the credit bureaus affecting my credit score and has alerted me that they are sending my case to collections. No documentation, emails or phone calls were ever sent or made to me regarding this fraudulent account before I found out about it from XXXX in XXXX and contacted Citibank immediately upon finding out. All communications from Citibank have been being made to the fraudster whom I am told goes by the name of XXXX XXXX who is using a fraudulent XXXX mail address ( XXXX ) My current dispute case number for this occurrence at Citibank is XXXX. All documentation regarding this account is/was being sent to an undisclosed address from Citibank. They only gave me the person 's name but not the spelling. They are protecting the fraudsters ' identity. and account information so I have little to give. 

Although I have communicated my PA state police report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I also reported this case to the Federal Trade Commission reference number XXXX. 

they have told me that they believe me to be the owner of this fraudulent account. I am in dispute with them at the moment however they are not receptive to my claims and yesterday were accusatory with me. 

CitiBank is pursuing me to pay for a credit account opened by a person and address that is not associated with me. ( CitiBank Fraud XXXX XXXX ) Note : Because XXXXitbank will not tell me what address is being used I entered a known incorrect address from my credit report.

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