If I could give negative stars I would. This bank does not conduct business under the federal laws. They intentionally opened an account in my name knowing it as fraud. I reported it to them to try to get in front of it and they gave me the run around for almost 10 days, back and forth to get know where. They told me an investigation will be done that will take 30 -90 days however they reported to Equifax as a "factual find", but they have yet to reach out as they are required to via phone, email, or mail that they concluded this investigation. If in fact they haven't concluded the investigation, they still are not operating in adherence of federal laws when fraud is reported to their institution as a fiduciary. They reported it as an actual find out of spite because I have called them everyday and everyday they lie, provide incorrect information but nothing they are supposed to provide their consumers when checking their credit and of the investigation findings. I filed an FTC report and am filing a police report, I intend to sue for negligence, mishandling of my personal information and lack of due diligence under the FCRA guidelines. Citibank has done nothing to rectify this situation and they gaslight you and make it seem as if it is your fault when you call, hence them reporting as an actual find before providing me a copy of said investigation. They reported the card as stolen, I never reported it stolen because I never had it to begin with and they closed the account. So yet again negligence and mishandling my personal information. I've missed work trying to fight this so I can call during their business hours to hopefully speak to an actual human that understands me. I have so many recorded phone calls between myself and the agents I have spoken to because I need to prove everything they said, how and when and who said it. Dates, times, notes. I'm diabetic and the amount of stress this has caused is truly outrageous, the impact is also documented and can be proved. I intend to move forward with all legalities that support my right as a consumer. I followed the steps and contacted them first to allow them the opportunity to respond as a financial institution who believes in the security of consumers should, they did not. In fact their behavior is appalling and not of one that represents an American bank that cares about it's American consumers. I am also reporting to CFPB. It's a shame I have to fight this hard to prove it was not me when they did nothing to prove in fact it was, they just reported that it was to Equifax AFTER I reported the fraud to all 3 bureaus and to them directly. They deliberately closed the account as a lost or stolen card when they knew it was fraud and then repoted to Equifax that the finding are true that I opened the card when they have no proof it was actually me. When I submit my docs to the bureaus with my signatures to prove I did not sign anything I'm going to fight tooth to nail to make sure they take accountability for their negligence of consumer information and mishandling of PII.
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