Credit card -- Problem with a company's investigation into an existing problem -- Complaint #12003580
Complaint Overview
Complaint ID: 12003580
Company: Citibank, N.A.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Difficulty submitting a dispute or getting information about a dispute over the phone
State: Tennessee
ZIP Code: XXXXX
Date Received: 2025-02-08T12:00:00-05:00
Date Sent to Company: 2025-02-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX I became aware that I had been a victim of identity theft after pulling my XXXX credit report and noticing accounts that did not belong to me. These accounts were opened fraudulently with my stolen information. I had no knowledge of the accounts being opened and have no association with them. The accounts were opened on XX/XX/XXXX according to the credit report. One of the accounts was the XXXX XXXX XXXX. Since I became aware of the fraudulent accounts. I have contacted Citi Bank multiple times to attempt to resolve the issue. Each time I have to start over completely from scratch in relaying the details of what has happened. I am transferred through multiple reps and multiple departments each time and there never seems to be a record of information or any progress made. It should be noted they did not have my correct address on file prior to me calling in to dispute the fraudulent card. Only after calling in and giving them my information to ensure they could send me updates via mail which I have requested multiple times did they have my correct address. I have not received any updates via mail from them regarding an investigation. I am continuously receiving calls from their department about overdue status of the account. I was informed by a rep the account was not closed correctly on my initial call to indicate an identity theft dispute. Despite not receiving any updates I continue to get calls about payment with no information about he status of an investigation. I sent a letter on XX/XX/XXXX with a dispute letter from the FTC, a notice to furnishers as well as supporting documents ( i.e. police report ) detailing the issue of identity theft and the fraudulent nature of the account. I continue to receive no notifications nor updates of any kind. This is incredibly stressful and has begun to affect my credit score which up to this time has been excellent. I am tired of getting the run around and just getting transferred to the same departments over and over to start from scratch each time. I need a resolution here and there is seemingly absolutely not progress being made.
Frequently Asked Questions
What is Complaint #12003580 about?
Complaint #12003580 was filed against Citibank, N.A. regarding Credit card specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-02-08T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Citibank, N.A.?
Yes, visit the Citibank, N.A. company profile at readthecomplaint.com/company/citibank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.