Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT NOR IS IT A COMPLAINT ADDRESSING A PREVIOUS ISSUE, Citi Bank closed my complaint with remedy that I am not satisfied with and will not accept. This complaint is in response to their response admitting that I had an account fraudulent opened with them they finally are removing the accounts from my consumer report and have cleared me of all financial responsibility but this is not enough for the injury and damages that they have caused upon my life from XXXX!!! they have stolen thousands of my hard earned money to satisfy a fake debt. they refused to accurately report and validate the account when I began disputing it and damaged my report for years making it hard for me to obtain credit. damaging my credit worthiness and capacity and reputation for years. so I say again THIS IS NOT A DUPLICATE COMPLAINT. THERE WAS NO RESOLUTION THAT I THE CONSUMER FOUND FITTING. THIS IS MY LAST ATTEMPT BEFORE ARBITRATION I'm writing this complaint today to address an on goin issue I have been having with Citi Bank, an account was opened at Citi Bank using my personal identification information. I began disputing this account since XXXX. 2 whole years. Citi Bank finally investigated this account following up to my last CFPB complaint and the results that they found determined that I was in fact telling the truth and the account was indeed opened in result of identity theft. A received a letter from Citi Bank clearing me of all liability of any alleged debt that was created from that account and that they would be removing the account from my consumer reports. Since XXXX I have been disputing this account, this negative account appeared and still appears on my consumer report. Citi Banks failure to ensure that this account was actually valid before reporting it to the consumer reporting agency has in fact caused significant damage to my consumer report for the years it has been reporting to my consumer report and has made it extremely hard for me to extend myself credit through which has caused me extreme financial hardship especially through out this pandemic. Citi Bank is indeed guilty of 1 count of taking adverse action against me and they are now civilly and criminally liable. I submitted numerous complaints to the XXXX and cfpb which were all previously ignored. If they would have done what the bureau requires them to do this entire situation could have been avoided but instead they knowingly and willfully continued to report this negative account to my consumer reports even after receiving my many disputes. I also have proof that Citi Bank took federal reserve notes from my personal debit card accounts to satisfy to alleged debt that they have now admitted was fraudulent. I have reason and proof to believe and does so believe that regardless of your/their location, Citi Bank has participated in racketeering activity as defined in Title 18 U.S.Code 1961, by knowingly, intentionally, with forethought and malice have been taken federal reserve notes from my personal debit card account to satisfy an account fraudulent opened in my name with them and refusing to actually verify this account this is embezzlement, theft by deception and extortion.I requested Citi Bank to refund me any money ever taken from me to satisfy to alleged debt and to provide me with the bank statements for this account or the accounting to be reviewed so that I am in fact refunded the correct amount. i refuse to settle for anything less than I am am deserve and not willing to negotiate. this has gone on for years. this account was established in XXXX. XXXX to XXXX they have taken adverse action against name reporting this fraudulent account to my consumer report. Citi Bank is in violation of 15 usc 1692j ( a ). 15 usc 1692d ( 1 ), 15 usc 1681b, 15 usc 1643 and they are now liable pursuant to 15 usc 1692k. I am demanding monetary relief

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