Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To the Consumer Financial Protection Bureau NOTE : This is for a fraudulent application. A XXXX was never actually opened in my name but my identity and personal information was used for the application. This format did not give me the option that it was for the application process only and no card was issued. Please refer to the Application ID # number in order to pull up the fraudulent application information. 

I am filing this complaint with the CFPB because after many attempts of contacting Citibank to correct the XXXX against me as a result of my identity theft. I have written Emails and sent a physical letter ( enclosed ) and called numerous times only to be transferred to departments with voicemail and no options to speak to an agent. The last letter I received from Citibank is dated XX/XX/XXXX asking me to call them so they can help me with my application. They are basically ignoring my requests and claims of identity theft and insinuating I made the fraudulent application. After a letter from Citibank dated XX/XX/XXXX ( attached ) I called their fraud department and was told an agent would call me back. They never did. I called again on XX/XX/XXXX and they told me to call back again because their systems are down. 

On XX/XX/XXXX I contacted my local police department and they opened a file for me to keep documents and correspondences as evidence. I informed Citibank of this police file and that also had no effect. This is the reason for the complaint you are reading now. Citibank needs to be held accountable for their blatant disregard for ignoring my requests after being a victim of identity theft. I believe this is a corporate policy and is an illegal one. 

Please see the attached letter to Citibank dated XX/XX/XXXX that goes into more detail of the correspondences and events that have taken place before this complaint. 

Relief sought from the CFPB. Please instruct Citibank to send me the following information so I can inform my local police department and place the documents in the police file created on XX/XX/XXXX. 

Please provide under FTCs Section XXXX ( XXXX ) all records relating to the fraudulent application, including : * Application records or screen prints of internet/phone applications * Delivery addresses/Email addresses/IP ( Internet Protocol ) addresses * All records of phone numbers used to activate or access or create the account * Any other documents associated with the account * Investigators summary Please send these records to me at the above address. 
If you have any questions concerning this request, please contact me at the above address. 

Enclosed with this request is the following documentation : XXXX. Proof of my identity. 
XXXX. A case number where all records and correspondences are/will be kept. 
* XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The original Application ID XXXX associated with the application for credit. 
XXXX Letters received from Citibank XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX the XXXX and XXXX the XXXX. XX/XX/XXXX. 
XXXX. Emails I have sent dated XXXX the XXXX and XXXX the XXXX, XX/XX/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 explanation