Citibank, N.A. complaints

Formal Complaint Against THD/CBNA for Fraudulent Account Opening and Failure to Delete Account- I am writing to file a formal complaint against THD/CBNA regarding a fraudulent account that was opened without my authorization. Despite my repeated attempts to have the account deleted, THD/CBNA has failed to take appropriate action, which is both concerning and unacceptable. I discovered that an account had been opened with THD/CBNA in my name without my consent or knowledge. I immediately contacted THD/CBNA to report this fraudulent activity and requested that the account be closed and deleted from their records. However, despite providing ample evidence of the unauthorized account opening, THD/CBNA has refused to comply with my request.As a consumer, I believe I am entitled to protection under the FDIC, and I am deeply concerned about the security of my personal information and financial assets. It is unacceptable that THD/CBNA has not taken appropriate action to rectify this situation, especially considering the potential implications for my financial well-being. Furthermore, I have also lodged a complaint with the Consumer Financial Protection Bureau (CFPB) regarding this matter, but to no avail. Despite my efforts to seek assistance through official channels, THD/CBNA has remained unresponsive and uncooperative. I urge the Better Business Bureau to investigate this matter thoroughly and take appropriate action to ensure that THD/CBNA addresses this. Resolution Sought I am formally requesting the immediate removal of the THD/CBNA account from my credit profile. After reviewing my financial records, I have determined that this account no longer accurately reflects my credit history and its presence is adversely affecting my credit standing. I kindly request that this matter be addressed promptly to ensure the accuracy and integrity of my credit report.

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When a company reports an unauthorized account to your credit report, it could potentially be in violation of several sections of the Fair Credit Reporting Act (FCRA), depending on the circumstances. Here are a few sections that may apply:Section 611: This section outlines the procedure for disputing inaccuracies on your credit report. If you dispute the unauthorized account and the company fails to investigate or correct the information, they could be in violation of this section.Section 605B: If the unauthorized account resulted from identity theft, the company may be in violation of this section if they fail to block the fraudulent information upon your request.Section 623: This section requires furnishers of information (such as the company reporting the unauthorized account) to provide accurate and complete information to credit reporting agencies. If the company knowingly reports inaccurate information or fails to investigate disputes, they may be in violation of this section.Section 615: This section outlines consumers' rights to damages for willful noncompliance with the FCRA.

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Citibank Group N.A. closed my checking account for no reason or notice and stated I would receive the balance in my account within 30 days and its been over 90 days and they will not let me get my money its starting to feel like a embezzlement/ theft issue. They promise 30 days, 15 days, 5 to 7 days now 1 to 3 and its been far overdue I owed no one had no checks or debits out there should be no reason for them to continue to with hold my money from me. I am currently out of work and exhausted extra resources now I have cut off notices eviction letter with legal action not only damaging my credit but in danger of becoming homeless. Resolution Sought To electronic wire my new bank. Over night a check or minimum let me access my money so I can pay bills

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