Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received an invoice from Home Depot on XX/XX/XXXX. The invoicew was in the amount of {$920.00}. It was charged to a Home Depot credit card in my name. This credit card was never authorized by me and never in my possession. I immediately contacted Home Depot and told them that this was a fradulent charge on a Home Depot credit card that was never in my possession. I asked where these charges were made and by whom and received no information from Home Depot. I ws assured tht this would be reported as a fradulent transaction and that I should not worry about it. The next month, an invoice dated XX/XX/XXXX arrived with the same amount. I once again contacted Home Depot and told them that I never charged anything on this card since I never possessed it. Again, I was assured that this situation would be resolved. I received a third invoice dated XX/XX/XXXX with a new amount of {$960.00}. Once again I cintacted them at their fraud phone number of XXXX. I connected with a woman named XXXX from XXXX  who sympathsized with me and promised to get back to me and suggested that I file a police report. I asked her for details and after calling several times, finally a fellow who was not athorized to do so, gave me the information : two transactions occurred at a Home Depot store at XXXX XXXX XXXX on XXXX XX/XX/XXXX. One charge was for {$450.00} and the other was for {$390.00}. These two charges occurred at XXXXXXXX XXXX  and XXXXXXXX XXXX on the XXXX. I told the fellow that I've never been to XXXX, NJ. in my life. He encourged me to file a police repost at my locl XXXX  in XXXX XXXX XXXXXXXX where I live. I took his advice and did so on XXXX, XX/XX/XXXX. The complaint number is : XXXX signed by Police XXXX XXXX, badge # XXXX. The time was noted as XXXX that day. That evening I XXXX XXXX called the fraud number and was connected to a woman named XXXX who I told that I had filed a police report. She said that she could not do anything that evening but noted the call and asked that I call back the following day which I did. On XX/XX/XXXX, I was connected with a woman named XXXX who took all of the police report information and promised and assured me that my credit would revert in 10days to what it always had been XXXX XXXXXXXX. This report caused my credit rating to fall to XXXX. She apologized for what had happened. The end result is : nothing happened, they put this fradulent charge into collection and my credit standing has been ruined. I am filing this complauint demanding that they close this file and notify the agencies that they were negligent in this matter and that my XXXX credit rating is restored. I do not owe anyone anywhere any money! This is a XXXX  and I want this complaint to be acted upon. I ha ve all of the documents for future reference. Thank you for your prompt attention in this matter.

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