Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #7253434
Complaint Overview
Complaint ID: 7253434
Company: Citibank, N.A.
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Card was charged for something you did not purchase with the card
State: New York
ZIP Code: XXXXX
Date Received: 2023-07-14T12:00:00-05:00
Date Sent to Company: 2023-07-14T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XXXX of 2016 Citibank mailed an unrequested credit card to an unsecured mailbox, located at an address I was no longer occupying. This card, which was issued in my name, was stolen and activated by an unknown person. During a period from XXXX to XXXX of 2016, numerous fraudulent charges were made to this card. These charges were added to my credit card balance. I never had possession of this card. I was paying off a previous balance on this Citibank account, but had not made any new charges to it for many years. Because I did not to my knowledge have an active card with Citibank, I did not notice the fraudulent charges. When I became aware that the card existed and had been stolen, I immediately informed Citibank of the fraud. The account was frozen. The customer service representative at Citibank told me that the charges would be investigated, and that Citibank had policies in place that protected consumers against fraud. Meanwhile, the charges were not removed, with the exception of two items equaling about {$65.00} combined. The interest on the fraudulent charges continued to accumulate. I have contacted Citibank repeatedly since I reported the crime, and also mailed a letter to Citibanks credit card fraud investigation department. I have never received a response to my inquiries. Citibank never notified me of a resolution of this case or gave me any information on the purported investigation. Each time I called, the representative only said that the matter was still under investigation. Some of the charges were made to out-of-state entities, which means that the identity thief purchased goods or services via the U.S. Postal Service, a parcel delivery service, or over the telephone. For these transactions the unknown person likely used his own contact information. I believe that investigation of the details of the fraudulent charges would show that the charges were not made by me. The total sum of fraudulent charges made to the account is {$6600.00}. The interest charged during the period in which the card was active reached approximately {$720.00}, and has continued to accrue since then. I make monthly payments to this account. The fraudulent charges have made it extremely difficult to pay off the balance that I legitimately owe. Also, I have no way of knowing whether I have already paid off this amount. Thank you.
Frequently Asked Questions
What is Complaint #7253434 about?
Complaint #7253434 was filed against Citibank, N.A. regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2023-07-14T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with 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 or prepaid 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.