Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
CFPB COMPLAINT CITIBANK / CITICARDS CBNA Consumer : XXXX XXXX XXXX XXXX ( legal name change from XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, granted XX/XX/XXXX ) Address : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Phone : XXXX Email : XXXX FTC Identity Theft Report : XX/XX/XXXXXXXX Date : XX/XX/XXXX Complaint Narrative I am a documented victim of identity theft caused by a serial felon who was on active probation for a prior felony theft conviction when he burglarized my home. XXXX XXXX XXXX burglarized my home on XX/XX/XXXX and XX/XX/XXXX while violating an active Peace Order ( Case XX/XX/XXXXXXXX ), stole my financial information, and exploited my Citi accounts. XX/XX/XXXX criminal record directly connected to this matter includes : XXXX Burglary XXXX Degree GUILTY XX/XX/XXXX XXXX Theft from my home XXXX Acting as contractor/plumber without a license XXXX Peace Order ( active and violated during burglaries ) XXXX FinalXX/XX/XXXXXX/XX/XXXXyear Protective Order protecting my home, children, father, and children 's schools XXXX Prior felony theft conviction ( Circuit Court ) XXXX Prior felony theft jury trial XXXX was on active probation for felony theft when he committed these crimes. A warrant for his arrest was issued XX/XX/XXXX. He was taken into custody XX/XX/XXXX and sentenced to XX/XX/XXXX days in jail on XX/XX/XXXX for the probation violation arising directly from his crimes against me. NOTE ON NAME : My legal name was changed from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX on XX/XX/XXXX ( XXXX XXXX XXXX XXXX, Case XX/XX/XXXXXXXX ). My credit files reflect both names. Both names refer to the same individual. The fraudulent Citi account is identified in my FTC Identity Theft Report XXXX. XXXX as Account XXXX. XXXX, total fraudulent amount {$4900.00}. This account currently appears on my credit reports as CitiCards CBNA with a balance of {$3200.00}, past due {$100.00}, XX/XX/XXXX days past due as of XX/XX/XXXX, with the remark : " Account closed at consumer 's request and dispute investigation completed, consumer disagrees. '' That remark is false in every respect. Most egregiously, Citi opened a brand new account in my name on XX/XX/XXXX during an active fraud investigation, after multiple documented fraud reports, and months before my XX/XX/XXXX certified dispute letter. Opening a new account in a fraud victim 's name during an active fraud investigation is an extraordinary and willful violation of federal consumer protection law. Despite my repeated fraud reports, Citi issued approximately XXXX replacement cards in my name without my authorization. I have physical possession of all of them. On XX/XX/XXXX, I sent Citi a certified dispute letter demanding closure of all accounts and full reimbursement of {$4900.00}. Citi provided no adequate response. The XXXXday FCRA XXXX deadline expired without action. Citi continued to report derogatory information and accrue interest on a fraudulent balance. CRITICAL XX/XX/XXXX CONFIRMED THE FRAUD : On XX/XX/XXXX,XX/XX/XXXX deleted Bank XXXX XXXX account ending XXXX from my credit file ( Confirmation XX/XX/XXXXXXXX ) : " THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. '' That account arose from the same perpetrator, the same burglaries, and the same FTC Identity Theft Report XXXX. XXXX as the fraudulent Citi accounts. XX/XX/XXXX independent confirmation that the fraud is real means Citi has no credible basis to continue reporting derogatory information. Additionally, XXXX XXXX independently investigated the same identity theft and reimbursed me {$2200.00} in full in XX/XX/XXXX. XXXX independent institutions have now confirmed this fraud. All payments I made were made under duress solely to protect my credit while Citi refused to close accounts I repeatedly reported as fraudulent. My last payment was XX/XX/XXXX XXXX days before my certified dispute letter. I demand full reimbursement. I have now stopped making payments. My credit score has dropped from XXXX to XXXX ( XX/XX/XXXXXXXX XXXX, XX/XX/XXXX ). I am a federal government employee ( XXXX, XX/XX/XXXXXXXX XXXX ) and a XX/XX/XXXX. This damage affects my housing, financing, and professional standing. Violations FCRA XXXX failure to block fraudulent account information FCRA XXXX failure to respond to XX/XX/XXXX certified dispute letter within XX/XX/XXXXdays FCRA XXXX continued furnishing of inaccurate information after fraud notice XXXX XXXX failure to investigate unauthorized charges Regulation XX/XX/XXXX continued liability on identity theft victim FCRA XXXX willful noncompliance including opening a new account XX/XX/XXXX during an active fraud investigation and issuing XXXX replacement cards after documented fraud notice Relief DEMANDED Immediate removal of all CitiCards CBNA derogatory tradelines including the account opened XX/XX/XXXX from all three credit bureaus Removal of all derogatory designations and the false " consumer disagrees '' remark Full reimbursement of all payments TOTALLING {$8200.00} soley made under duress Permanent closure of all Citi accounts no further cards to be issued Written confirmation of all corrective actions Attachments to Upload ( in this order )XX/XX/XXXX Deletion Letter Confirmation XX/XX/XXXX XXXX page XXXX only ( upload first ) FTC Identity Theft ReportXX/XX/XXXXXXXXXX/XX/XXXXXX/XX/XXXX Case Search conviction Case XXXX. XXXXXX/XX/XXXXXX/XX/XXXX Case Search name change Case XXXX. XXXX XX/XX/XXXX certified dispute letter to Citi Photographs XXXX Citi cards issued without authorization Current credit reports showing Citi tradeline at XX/XX/XXXXdays past due XXXXXX/XX/XXXX reimbursement bank deposit confirmation ( {$2200.00} )

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