Checking or savings account -- Opening an account -- Complaint #5920848
Complaint Overview
Complaint ID: 5920848
Company: Citibank, N.A.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Opening an account
Sub-Issue: Account opened as a result of fraud
State: Maryland
ZIP Code: 20853
Date Received: 2022-08-26T12:00:00-05:00
Date Sent to Company: 2022-08-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
The week of XX/XX/2022, I received a packet in the mail from CITIBANK that included 40 checks embossed with my name and address for a " Citigold '' checking account for a " XXXX XXXX XXXX XXXX '' account and a " citi '' XXXX with a " Card Agreement Guide '' also using my name, XXXX XXXX. The problem is that I never opened any such account. I have never had a a checking account with Citibank. I had no contact with Citibank. All my checking and savings accounts have been with credit unions for over 35 years. I called their " customer service '' ( sic ) phone number on XX/XX/2022 to find out what was going on and to make sure the account was closed. Their agents spoke very poor XXXX and the phone connection was faulty. After several long holds, I was connected to the " Fraud Department, '' where the language problem got worse. I was told that the account would be closed. I called them back on XX/XX/2022 where " XXXX '' ( the " supervisor '' I demanded to speak with ) told me the account had not been closed and that over {$600.00} in charges had been made against it. She then closed the account and told me the " Transaction Number '' was XXXX. She said it was my responsibility to pay any charges on the account and that if I wanted to know the results of their internal fraud investigation, it was up to me to call them back at a future date. She said the account was opened on XX/XX/2022, but could give no details as to how it was opened or whether there is any paper trail indicating if there was a signed application for it. In short, they have no evidence that I ever applied for the account. On XX/XX/2022, I received a form letter from Citibank confirming that " your Citi XXXX XXXX XXXX ac count '' had been closed. The letter stated : " Please be aware that you are responsible for your balance and will continue to receive monthly billing statements until it is paid in full. '' The bottom line is that this fraudulent account was either opened intentionally by Citibank or a hacker had enough of my personal information to illegally open an account in my name. I requested a letter from them acknowledging that the account was opened fraudulently and that I am not responsible for any charges related to it, but " XXXX '' would not confirm that they would do that.
Frequently Asked Questions
What is Complaint #5920848 about?
Complaint #5920848 was filed against Citibank, N.A. regarding Checking or savings account specifically about Opening an account. It was received by the CFPB on 2022-08-26T12:00:00-05:00.
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.