Credit card -- Getting a credit card -- Complaint #17904595
Complaint Overview
Complaint ID: 17904595
Company: Citibank, N.A.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Card opened without my consent or knowledge
State: Washington
ZIP Code: 98008
Date Received: 2025-11-25T12:00:00-05:00
Date Sent to Company: 2025-11-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/XXXX, I discovered a Citibank credit card on my credit report that I did not open. The account was opened in XX/XX/XXXX with a balance of approximately {$47000.00}. I did not apply for this card, did not receive it, and had no knowledge of its existence until reviewing my credit report. This account was opened using my maiden name, which I have not used since XXXX. I arrived in the United States on XX/XX/XXXX, and I received my Social Security number only at the end of XX/XX/XXXX. The first and only credit card I was eligible for at that time was a secured credit card from XXXX XXXX XXXX, because I was new to the XXXX and had no credit history. With the same information available to all lenders, Citibank would not have been able to approve me for a {$47000.00} credit line. The address associated with this Citibank account is in XXXX, Arizona, but I have never lived in Arizona at any point in my life. I disputed this account through the CFPB. Citibank responded that I am still responsible for the account and asked me to update my personal information, despite clear evidence that the account is fraudulent. I have also contacted the XXXX Police Department and filed an identity theft report regarding the fraudulent accounts opened under my name. The police report number is XXXX. Due to this fraudulent account, my credit score has dropped from XXXX to XXXX, which is significantly affecting my everyday life, including my ability to access credit, housing, and other financial services. I am requesting assistance in having this Citibank account properly reviewed and removed from my credit report as a fraudulent account opened without my consent or knowledge.
Frequently Asked Questions
What is Complaint #17904595 about?
Complaint #17904595 was filed against Citibank, N.A. regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2025-11-25T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with explanation". 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.