Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
To : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX Date : Tuesday / XX/XX/XXXX XXXX : Disputing the amount of Citibank Costco card XXXX My name is XXXX XXXX, and I AM disputing the amount that you are collecting for, which you/Citi says is {$49000.00}. I will pay my part of the debt, but nothing more. The following is an explanation of why. 
Costco opened in XXXX NE in the Fall of XXXX. I got my original Costco Business card in late Fall of XXXX, which had a credit limit of {$9000.00}. InXX/XX/XXXX, numerous items were stolen from my purse such as : identifications cards, checks from XXXX XXXX, and the Costco credit card. An official Police Report was filed on XX/XX/XXXX ; I can send you a copy upon request. I also called Costco to  notify them, and they issued me a new card. 
In XXXX of XXXX I started to notice some strange activity going on with my XXXX account. Someone hacked into my phone account and started to make numerous purchases. When I noticed these purchases that were not mine I called XXXX. They eliminated all the purchases that were not mine, and they shared the last 4 digits of the bank account that were used which was not mine. 
In XX/XX/XXXX, I then noticed strange stuff going on with my Costco credit card. I sent them a copy of my police report and asked them to CANCEL my card. My balance was no higher than {$7000.00}. 
In the Summer of XXXX, I called Costco to figure out why I havent received a current bill yet. I spoke with XXXX. 
Later in the Summer of XXXX, I called Costco again per receiving a letter saying I owed a balance around {$30000.00}. The person I spoke with was XXXX. She said that in her notes that I had called in and asked them to link my husbands bank account to my Costco credit card for payments. There are numerous errors with this. First, I was divorced in XX/XX/XXXX, and did not include him when I got this Costco card. Second, I would not and did not ask them to link up my ex-husbands bank account to my Costco account for payments. Third, the last 4 digits they said I gave them were the SAME last 4 digits that the XXXX person told me I had given them. Fourth, I only bank at XXXX XXXX, and this bank account was NOT from XXXX XXXX. 
On XX/XX/XXXX, I called Costgo again per receiving a collection call from a company in OH. I spoke with XXXX. I said this is still fraudWhat do you need from me so you can process this correctly? 
I am willing to pay up to the {$9000.00} credit limit I had on my Costco Business credit card, but nothing more. I am a victim of identity theft,  have taken the proper procedures to let everyone know, and am not responsible for Citis mishandling of this situation. 

Copied : XXXX / XXXX XXXX XXXX FTC XXXX Federal Trade Commission CFPB XXXX Consumer Financial Protection Bureau State Attorney General for TX State Attorney General for NE

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