DOJ: U.S. TRUSTEE PROGRAM ANNOUNCES SETTLEMENT WITH CITIGROUP

     (The following press release from the U.S. Justice Department was received 
by e-mail and was reformatted. The sender verified the statement.) 
FOR IMMEDIATE RELEASE                                                           
OPA
MONDAY, JULY 15, 2013                                                            
U.S. TRUSTEE PROGRAM ANNOUNCES SETTLEMENT WITH CITIGROUP INC.
PROTECTING CONSUMERS’ PERSONAL INFORMATION
 IN BANKRUPTCY CASES 
Nationwide Agreement Requires Citigroup to Protect Personal Information of
Nearly 150,000 Consumers 
WASHINGTON – The U.S. Trustee Program (USTP) today announced the unsealing of a 
settlement with Citigroup Inc. (Citi) that protects the personal information of 
nearly 150,000 consumers in 85 jurisdictions around the country. Citi agreed to 
redact proofs of claim filed in bankruptcy cases nationwide in which the 
personal information of consumer debtors and third parties, including Social 
Security numbers and birthdates, had not been properly redacted as required by 
the bankruptcy rules. Citi also agreed to notify all affected consumers and 
offer them one year of free credit monitoring. An independent auditor appointed 
under the settlement is reviewing the accuracy of the correction process. 
The settlement, approved by the U.S. Bankruptcy Court for the Southern District 
of New York on March 13, 2012, had been sealed to prevent potential wrongdoers 
from learning of the breach and seeking to victimize the affected consumers. On 
July 11, 2013, the bankruptcy court granted the parties’ motion to unseal the 
proceedings. 
“Under this unprecedented settlement, nearly 150,000 consumers whose 
personal information was placed at risk through no fault of their own have 
received notice of the improper disclosure and can further protect their 
information through free credit monitoring,” stated Clifford J. White III, 
Director of the Executive Office for U.S. Trustees. “Creditors in bankruptcy 
cases have a legal duty to protect certain personal information of their 
customers. This settlement should remind all major financial institutions and 
other creditors that violations cannot be tolerated.” 
The settlement resolved the objection of the U.S. Trustee for Region 2, Tracy 
Hope Davis, to a motion Citi filed under seal in September 2011. Citi’s motion 
disclosed that between 2007 and 2011 its subsidiaries, including CitiMortgage 
Inc., Citibank N.A. and CitiFinancial Inc., filed proofs of claim in thousands 
of consumer bankruptcy cases seeking payment of amounts alleged to be owed by 
debtors. In April 2011, Citi discovered that certain personal information that 
should have been redacted under bankruptcy court rules, including consumers’ 
Social Security numbers and birth dates, had not been properly redacted. 
The U.S. Trustee agreed that the information should be redacted, but objected 
to Citi’s motion because it did not disclose the nationwide scope of the 
breach. In addition, Citi did not propose a verifiable solution to correct the 
problem or provide assurance that the matter would be made public and the seal 
lifted once the information was redacted and affected consumers received notice. 
On March 13, 2012, the bankruptcy court approved the settlement calling for the 
redaction and electronic filing of replacement claims at Citi’s expense. The 
settlement also included specific consumer protections, including: assurance 
that the original claims would not be overwritten or altered in the replacement 
process; notification to the affected debtors and third parties that their 
personal information was not properly redacted and of its correction; and an 
offer of one year of free credit monitoring. 
Under the settlement, the court also appointed an independent auditor to review 
and file
certifications with the court confirming that Citi’s investigation to determine 
the scope of the breach was adequate, that Citi filed properly redacted claims 
and did not overwrite or replace the original claims in the process, and that 
Citi’s policies and procedures for future filings are reasonably calculated to 
prevent recurrence of the redaction error. 
On July 19, 2012, Citi certified to the bankruptcy court the successful 
redaction and replacement of the filings in the Southern District of New York. 
During that process, Citi discovered additional redaction issues and, in 
accordance with the settlement, filed a plan of corrective action expanding the 
scope of the settlement to include the redaction of approximately 50,000 
additional bankruptcy filings. 
Courts in 60 other jurisdictions served by the USTP have entered the settlement 
under seal and accepted the redacted replacement filings. Courts in the 
remaining jurisdictions handled the correction of the filings according to 
their local rules and orders, and Citi is otherwise following the terms of the 
settlement in those jurisdictions. 
On June 4, 2013, the independent auditor certified to the U.S. Bankruptcy Court 
for the Southern District of New York and the 60 other participating courts 
that Citi had mailed letters notifying affected consumers of the privacy 
breach, its correction and the availability of one year of free credit 
monitoring at Citi’s expense. The independent auditor is reviewing Citi’s 
redaction and replacement process and is expected to issue its certification on 
that process by the end of the year. 
Consumer debtors who believe they were affected may contact Citigroup 
Customer Service at 1-866-613-5636. 
The U.S. Trustee Program is the component of the Justice Department 
that protects the integrity of the bankruptcy system by overseeing case 
administration and litigating to enforce the bankruptcy laws. 
The settlement is filed in In re Matter of Citi Replacement Filings, 
No. 11-00405 (Bankr. S.D.N.Y.). 
13-789 
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