Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Subject : Supplemental Information Identity Theft Fraud Complaint XXXX Home Depot/Citibank Account ) I am submitting this supplemental information to my previously filed CFPB complaint regarding a fraudulent Home Depot/Citibank credit account opened in my husbands name without authorization. Since filing the original complaint, we obtained additional information from the issuer that further clarifies the account activity and supports that this case involves identity theft and unauthorized third-party fraud. On XX/XX/year> at approximately XXXX PM, we contacted Home Depot/Citibank and spoke with a representative identified as XXXX. During this call, we were provided additional details regarding the account history, including : The account was initially opened and subsequently closed after being reported as fraudulent. On or about XX/XX/year>, an unknown third party contacted the issuer and falsely claimed the account activity was legitimate, requesting that the account be reopened. Based on that fraudulent representation, the account was temporarily reopened. The issuers internal security department later reviewed the account and re-closed it the following day, continuing to treat the account as fraudulent activity under investigation. The representative further advised that the account contains multiple internal notes and that the volume of activity and status changes may explain why we received conflicting correspondence dated the same day, including XXXX letter stating the investigation was complete and another indicating the investigation remained ongoing. We continue to dispute this account in full and reiterate the following : The account was not opened or authorized by my husband. We already maintain a legitimate Home Depot credit account and had no reason to open a second account. We XXXX became aware of this account upon receipt of a billing statement reflecting approximately {$5700.00} in charges. We immediately reported the account as fraudulent on XX/XX/year>. We filed an FTC Identity Theft Report, a police report, and disputes with all three credit bureaus. We placed fraud alerts and froze both of our credit reports. Despite these actions, the account continues to be reported as our responsibility following the issuers internal determination. We respectfully request : A full reinvestigation of this account in light of the additional fraud activity and account status changes described above Removal of all liability associated with the account and charges Correction or removal of the tradeline from all credit reporting agencies as identity theft Cessation of any collection activity or adverse reporting while this matter is under review Provision of all application, authentication, and account access records, including XXXX-party contact logs and records of account status changes This account reflects clear indicators of identity theft and unauthorized third-party manipulation. We are requesting proper handling and review under applicable identity theft and credit reporting dispute procedures. Sincerely, XXXX and 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