Checking or savings account -- Opening an account -- Complaint #4595896
Complaint Overview
Complaint ID: 4595896
Company: Citibank, N.A.
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Opening an account
Sub-Issue: Account opened as a result of fraud
State: California
ZIP Code: 90028
Date Received: 2021-08-02T12:00:00-05:00
Date Sent to Company: 2021-08-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I applied to open an account for the Citibank located on XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. I explained to teller that I froze my information due to identity theft issues and that I did not want to apply for an account without first making sure I was able to do so. I received a confirmation that my account was opened on XX/XX/2021. I contacted the personal banker XXXX XXXX twice every 48hrs and he explained twice that the application was still in review, even though I have received two email notifications about account XXXX being active in my business name. I decided to go to Citibank, N.A XXXX XXXX in-person, and they explained to me that the whole time this account was closed. According to the Fair Credit Bureau Act a creditor must notify the applicant of adverse action within 30 days after receiving a complete credit application. I still have not received any information about this account. They have now stated that they have no information whatsoever about my business account
Frequently Asked Questions
What is Complaint #4595896 about?
Complaint #4595896 was filed against Citibank, N.A. regarding Checking or savings account specifically about Opening an account. It was received by the CFPB on 2021-08-02T12:00:00-05:00.
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 (Checking or savings account) 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.