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Report: #1516691

Complaint Review: Citibank - Louisville KY

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  • Reported By: Daniel — Houston Texas United States
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Citibank Citi Identity Theft Leading to Account Take over leading to Fraud leading to ACH Payment Fraud Louisville KY

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I am the victim of ID Theft that was reported to Citibank, they CRA's, The FTC, the Police and the Attorney General of Texas.  

This has all been confirmed and I attempted to work with Citibank from 04/07/21 - Present but they have turned around, blaming me and stating that I was somehow part of it all.  This is comletely false since my identity was completely stolen.  Things started to go wrong when I went to Costa Rica on business from 03/15 -04/23/21. I presented Citi with all flight itineraries, hotel infomation, etc. surrounding my travel but they have not believed it and done very poor investigation across mutiple departments, some being overseas and they completey screwed things up.  

To start with, I had my personal laptop stolen from my Marriott (Fairfield) hotel room at the beginning of January 2021.  I noticed it was missing, likely the next day since I needed it for some personal business and noticed that it was missing from my closet where I had placed it in it's bag.  The thieves stole it from there, taking the competer bag and all. 

They had obviously broken into my room while I was out and removed it.  I filed a report with the Hotel, they questioned all of their employees and they called the Miami police where I filed a police report. 

I did again upon arriving home from Costa Rica (CR) on or about 04/27 and 05/06/21.  The first for fraud and they 2nd for ID Theft.  I submitted all three of these reports to Citibank (Citi), once available, along with all supporting documentation and explanation that I was not in Country when any of this took place. 

The fraud dept did a good job and though one part was shifted off-shore the Manager brought it on-shore due in order to have a concurrent investigation and they contacted later, stating I was cleared of all fraud and removed everything.  They had cancelled my cards and issued new ones at that time.  Later, I was notified that another department had added them back, but then removed them again with complete understanding. 

Then they were all sent to the Credit team who suspended my credit lines and submittted them to the Citi Exective Review Unit (Citi-ERU). who then convoluted everything after Citi employees had spoken to both me and the presumed fraudsters who gave conflicting information from myself, had "spoofed" my phone (verified by T-Mobile/Sprint in writing), "spoofed" my email (verified by google over the phone) and also appear to have mimicked my voice, likley using devices and/or software that are free on the web or purchased such services that I have found out were very cheap and spoke to Citi as they were me. 

This was after they took over my online account, took my identity and had run up all credit to or close to the maximum.  In addition, Citi accepted FAKE ACH payments from these fraudsters either online or over the phone, allowing them to charge further.  What a mess.  As I understand, Citi is content in believing the fraudsters and reapplied the fraud on me.  Citibank, is not easy to deal with this in this arena because each time you call you get a diferent agent and start all over again. 

They have done everything but actually call me or one of my family members a criminal, which we are not.  I provided Citi with proof that I was out of the country (itineraries), yet they contend that I was at Target in Houston, TX where much of this took place.  That is untrue since I was in CR and would have had to be superman to be in both places at once.  These thieves, as I found out stated that "I was buying gift cards for a bunch of relatives that were graduating from college". 

How fake can that statement be!  They allowed these charges without proper due diligence and now have "hung them on me".  The police state that I am being treated as a "cop" due to my line of work where I supply information on Fraudsters and Money Launders to police, Sheriff's, US Marshashall, FBI, CIA, Interpol etc.  I get the stuff so that they can stop the fraudulence and then bust up fraud rings, while also placing some in jail.

In May, another incident happened on one of my Citibank cards where the frausters bought, over the phone, $7k in cigar parphonalia.  I reported this as well, Citi originally removed it twice and then added it back on since they state I had called to authorize the charge.  I did no such thing and I do not smoke, own a smoke shop or condone smoking. 

In addition that's a lot of cigar stuff for one person so there is no way I was in the least involved.  In June, I had another incident on my Best Buy Card, that was supposed to be closed and we had advised Citi to close it a few years earlier.  They did not, and the fraudster even got an increase in the credit limit and bought electromics.  What a mess and Citi hung that on me to.  They state they even called the Best Buy and spoke to "me" using my Cell phone number that had been proven to be "spoofed". 

They hung that charge on me as well.  To this date I have contested all of this with Citi but they do not listen, they listened to fraudsters, and they had made it even worse.  During the time of this incident, I was in New Jersey at a Friends wedding and I provided that Itinerary as well.  How can I possibly be in a Houston store and in NJ at the same time?  This is ridiculous.  Anyhow, Citi all along the way dropped the ball so many times and now have charged off the accounts, closed them which has obvously destroyed my nearly 30 years of near perfect credit and had never had an issue with Citi once as a 20+ year client. 

This has now damaged my reputation n my business and turned my life upsidedown.  Citi Just wont listen and their investgators never spake to me about the issues, nor supplied me proof of any wrong doing which is required under TILA by the FCBA.  They are also in violation of my consumer rights under FCRA and the Card Act of 2009 as well as other banking laws and regulations. 

Citi has been in the wrong all along and a good customer and US Citizen has been damaged by their actions.  This company needs to be held accountable for this and there is a bunch more proof I can provide to prove myself, nor my family has performed any wrong-doing whatsoever.  Not only is Citi a rip off they have damaged me and need to be held accountable for everthing.

This report was posted on Ripoff Report on 03/08/2022 01:49 PM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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