Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing this complaint regarding a fraudulent Citibank credit card account opened in my name without my knowledge or authorization. I have maintained excellent credit for many years and have always carefully managed my financial accounts. In XX/XX/XXXX, XXXX XXXX notified me that someone may have been fraudulently using my personal information in connection with a credit application. I confirmed that application was fraudulent and subsequently placed a fraud alert on my credit file with XXXX on XX/XX/XXXX. In XX/XX/XXXX, XXXX identified and removed a fraudulent inquiry from my credit report. In XX/XX/XXXX, I received a delinquency notice from Citibank regarding a credit card account ending in XXXX that I did not recognize. At the time, I believed it to be a scam because I had never applied for or received such a card. In XX/XX/XXXX, I was contacted by collection agencies regarding an alleged debt exceeding {$10000.00} associated with this account. I immediately disputed the debt. On XX/XX/XXXX, I filed an Identity Theft Report with the Federal Trade Commission via XXXX. I also sent certified dispute letters to Citibank and the collection agencies involved. Additionally, I placed credit freezes with the credit bureaus. Citibank has since sent multiple letters claiming the account is valid. However, the information provided by Citibank raises significant concerns and does not establish that I opened or used this account. The application information provided by Citibank listed an old, non-functioning residential telephone number as a cell phone. This was not an active mobile phone capable of receiving authentication or verification communications. Citibank has still failed to provide : A signed application Proof of card delivery Proof of card activation IP address or device information Phone verification records Evidence that I personally conducted any transactions The transaction records provided also show highly suspicious activity concentrated within a very short period between XX/XX/XXXX and XX/XX/XXXX, which is consistent with fraudulent use. I affirm the following : I did not apply for this account. I did not authorize this account. I did not receive any physical credit card. I did not activate or use this account. I did not authorize any transactions associated with this account. Despite the substantial evidence of identity theft, Citibank continues to hold me responsible for this fraudulent debt. I respectfully request : 1. Immediate removal of this account from all credit reporting agencies 2. Written confirmation that I am not responsible for this debt 3. A proper reinvestigation of this matter consistent with the Fair Credit Reporting Act I am attaching supporting documentation, including my FTC Identity Theft Report and correspondence related to this dispute.

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