Consumer complaint received 2016-05-20 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX Macy 's Executive Office Re : Consumer Financial Protection Bureau Case # XXXX Express accounts ending in XXXX and XXXX Dear XXXX XXXX : In response to your most recent communication, I respectfully submit that from my perspective, there are a number of errors and misrepresentations contained in the information you provided. The Macy 's store account ending in XXXX that you indicated was opened as a joint account by XXXX and XXXX XXXX is an error. I did not know XXXX XXXX in XXXX. I was a junior in high school in XXXX. 
XXXX XXXX and I were not married until XXXX. From XXXX XXXX XXXX was married to XXXX XXXX, his second wife, and in XXXX XXXX have still been married to his first wife, now known as XXXX XXXX. The Macy 's account XXXX was not opened as a joint account by myself and XXXX XXXX in XXXX. If he added me to the account he did so without my knowledge. I was not aware of that situation. That account was not opened as a joint account with me. Maybe with XXXX of his other wives, but not with me. 
XXXX XXXX and I were divorced in XXXX in XXXX. All the credit card accounts had been paid down at that time and he agreed to assume all future accounts in his name only, as stipulated in the divorce decree. Apparently, Macy 's corporation allowed XXXX XXXX to open a credit card account using my name in XXXX, 7 years after we were divorced and without my consent or knowledge. How can you do this to me? And how can you add my name without my consent or knowledge, and then assert that I can not take my name off these accounts? If he had n't died, would you have continued to allow him to run up debt in my name without my consent or knowledge. I 've been remarried for many years, and owe XXXX XXXX and his estate nothing. 
I did not sign up for the account in XXXX, since I was remarried for a number of years, and had no contact with XXXX XXXX. I am and was unaware of his financial dealings with you. Nor did I sign up for an account with him in XXXX, when I was in high school and did n't know XXXX XXXX existed. 
I moved to XXXX in XXXX and was remarried in XXXX in XXXX. My current husband and I purchased a home in XXXX in XXXX. The credit report in XXXX did not show these " joint '' accounts. We sold that home and purchased a new home in XXXX just outside XXXX. 
At that time a credit report run by the lending institution showed a number of " joint '' accounts listing my name along with XXXX XXXX. My husband and I considered that fraud. We contacted all lenders who had listed me on XXXX finances, including Macy 's. 
I called and spoke to a Macy 's representative. I told the Macy 's representive that the accounts listed should be in XXXX name only as we had divorced in XXXX. I was told that the accounts would be closed and once closed the undersigned would not be held liable for them. I have made no purchases on any of the " joint '' Macy 's accounts. As I said previously the one listed as " joint '' from XXXX is in error. I have also reported to the Consumer Financial Protection Bureau, Federal Trade Commission, and the XXXX County Sheriff 's Department, the fact that Macy 's allowed XXXX XXXX to illegally open a joint account in XXXX using my name. 
As indicated in your letter you had been sending all bills to the XXXX address, which was XXXX office address. I moved to XXXX in XXXX. 
Macy 's corporation allows an individual to open a " joint '' account without the signed permission of the second party and then tries to hold the second party liable for purchases made by the first party? I did not sign up for the joint accounts, was divorced from XXXX XXXX in XXXX in XXXX, remarried in XXXX. I have resided in XXXX since XXXX. I have

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