Consumer complaint received 2026-03-15 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: MD

Complaint narrative:
I am a victim of identity theft. The perpetrator, XXXX XXXX XXXX, was convicted of burglary on XX/XX/XXXX in XXXX XXXX, Maryland ( Case No. XXXX ). During burglaries of my home on XX/XX/XXXX and XX/XX/XXXX, XXXX stole my personal and financial information and used it to open fraudulent Citi credit card accounts in my name. I reported the fraud to CitiCards and demanded all accounts be closed. On XX/XX/XXXX, I sent a certified dispute letter to CitiCards formally demanding closure of all fraudulent accounts and full reimbursement of {$4900.00} in fraudulent charges. CitiCards has not adequately responded to that letter. Despite my repeated reports, CitiCards continued to issue replacement cards rather than closing the accounts. I have physical possession of approximately nine to ten Citi cards issued in my name without my authorization. Every card issued after my first fraud report is a separate failure to act on documented fraud notice. The account ending in XXXX was opened XX/XX/XXXX eight months after I had already reported identity theft multiple times. CitiCards opened or allowed this account to be opened in the middle of an active fraud investigation. CitiCards is reporting the remark 'Dispute resolved ; consumer disagrees, account closed by consumer ' on my credit file. This language is false on every level. I did not close these accounts voluntarily. I demanded closure because the accounts were fraudulent. This remark signals to every lender reviewing my credit that I disputed and lost which is false and that I voluntarily closed delinquent accounts which mischaracterizes me as the responsible party. Both XXXX XXXX XXXX and CitiCards are using this identical remark. The same coordinated, false language appearing across two separate major institutions compounds the damage to my credit profile and is itself evidence of systemic misreporting. XXXX XXXX, presented with the same identity theft claim from the same perpetrator and the same burglaries, conducted a proper investigation and reimbursed me {$2200.00} in full in XX/XX/XXXX. CitiCards has no legitimate basis to deny what XXXX already confirmed. My credit score has dropped from XXXX to XXXX a XXXX decline due in significant part to CitiCards ' fraudulent reporting. I am a XXXXXXXX XXXX XXXX and a XXXX XXXX This damage affects my ability to obtain housing, financing, and is relevant to security clearance-related financial reviews. Accounts at Issue Card Number Balance Action Required XXXX ( opened XX/XX/XXXX ) {$3400.00} Close + Reimburse XXXX {$0.00} Close XXXX {$0.00} Close XXXX {$0.00} Close XXXX {$0.00} Close TOTAL {$4900.00} What I am requesting Permanently close all five accounts immediately. Remove all fraudulent charges, fees, and interest totaling {$4900.00}. Reimburse all payments I made on these accounts. Remove the false 'Dispute resolved ; consumer disagrees, account closed by consumer ' remark from my credit file. Cease all negative reporting to XXXX XXXX XXXX XXXX. Respond to my XX/XX/XXXX certified dispute letter. Violations Cited FCRA 623 furnishing inaccurate information after identity theft notice ; false 'closed by consumer ' remark. FCRA 605B failure to block fraudulent account information. FCRA 611 failure to conduct reasonable reinvestigation of dispute. FCRA 1681n willful noncompliance ; coordinated false remark identical to XXXX XXXX XXXX XXXX XXXXeporting. XXXX XXXX failure to investigate unauthorized charges within required timeframe. Regulation Z continued liability on fraudulently opened accounts. Opening account XXXX on XX/XX/XXXX during an active fraud investigation after multiple prior fraud reports.

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