Date Received: 2018-04-05T00:00:00
Product: Credit card debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I am a victim of identity theft. Citi issued a credit card to a hacker that was using an address that wasn’t mine. For 11 months they never contacted me and put the card in default. Only after I became aware of the identity theft and notified my bank and XXXX did Citi put my home address and personal information on the account and then turned it over to a collection agency. Citi ran my credit report without my authorization on two instances in late 2018 and early 2018. I have asked them to remove these inquiries and they refuse. Then after finding out that the credit card was a fraud, they sold the loan to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX started collection efforts.
Never in the year in the life of the fraudulently issued credit card did Citi call, write or try to verify ownership of this fraud account til I notified XXXX.
Company: CITIBANK, N.A.
State/Zip: MD 211XX
Do You Have a Question You'd Like Steve to Answer? Click Here.
Company Response to Complaint: Closed with non-monetary relief
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2866148
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.