Complaint Review: Citi cards - sioux falls South Dakota

Its a government agency that deals with these kinds of issues with Banks for you on your behalf.  www.ots.gov  

Banks will give you the run-around because they know MOST people will never bother to file complaints or even bother to look for the correct agency to report it to. 

But once OTS starts to contact them it should be resolved fairly quickly

You can send them an email with your complaint via their website

Flynrider gave you some good input. You should file a police report to back up your case that you do not have this credit card and have no knowledge about it. If you do not bother to do this it will be harder to get this information off your credit report or to prove identity theft.

The solution here is real simple, but you need to know that phone calls will do absolutely nothing for you.

AND, the Attorney General has no jurisdiction here, and cannot do anything for you. They will recieve your complaint and will forward it to the FTC who will in turn send you a form letter informing you of your Fair Credit Reporting Act rights, and how to file a complaint (which does nothing).

The first thing you need to do is to get a copy of your credit report from all three major credit bureaus.
You are entitled to one free report per year (from annualcreditreport.com) or you can get a free one by using the copy of the denial letter from your bank, if you were actually denied.

You need to send a WRITTEN dispute to each affected credit bureau where you simply dispute the item in it's entirety for reason "not my account". That's it. Keep it simple. Send this written complaint and dispute to each major credit bureau that it is reported to, as well as the lender making the report.

It is ESSENTIAL that you send the complaint via CERTIFIED MAIL, Return Receipt Requested, and be sure to put that certified# in the body of each letter and keep a copy of the completed mailing for your records.

In this letter inform them that they have violated your rights under the FCRA, and that they must remove the erroneous item immediately or face a lawsuit for damages. Tell them that they have 30 days from the date they received the letter of dispute to either prove it, or remove it.

This is how disputes must be done.
There is no government agency that will represent you in these matters, you are on your own, legally speaking. YOU must do this for yourself. No one will do it for you.

   Often the first sign of identity theft is a bad credit report.   Since you've lived at the same address for 22 yrs., it's quite possible that someone opened an account with your info, but used a different mailing address.   A common tactic to avoid detection.   If I were you, I'd keep an eye on my credit report for awhile. 

Sadly this is not the only bank using such nefarious practices! How they latched onto your information is a wonder - have you contacted the credit agencies and disputed the changes? You may need to close the account that has the bogus charges? I find despicable the targeting of students, who always are poor and need money, with a free interest for 7 months, then if the amount is not paid in full they pile the APR accrued for seven months onto the credit card. They have a target they know will pay the money back regardless of their situation, even if it takes 30 years! Watch the film MAXED OUT to see how they do their creative plundering magic!