Credit card -- Problem with a purchase shown on your statement -- Complaint #10442095
Complaint Overview
Complaint ID: 10442095
Company: Citibank, N.A.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: California
ZIP Code: 94306
Date Received: 2024-10-13T12:00:00-05:00
Date Sent to Company: 2024-10-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Sir/Madam, I am writing to formally request your assistance in urging Citibank to reverse a fraudulent charge of {$890.00} on my CostcoAnywhere Visa Card , which occurred on XX/XX/year>. The Citibank dispute case number is XXXX. The charge in question resulted from a deceptive practice by individuals misrepresenting themselves as representatives of the XXXX XXXX. They fabricated a non-existent hotel policy to manipulate me into authorizing this transaction. I received no services in exchange for this charge, and the purported service is not a paid offering by XXXX XXXX, but rather subject to availability. I promptly notified Citibank of this fraudulent activity within an hour of the transaction, immediately after I talked to the real representatives in XXXX XXXX. Despite my efforts, Citibank has twice rejected my dispute : 1. Initial rejection on XX/XX/year> XXXX. Re-appeal rejection on XX/XX/year> Citibank has concluded their investigation, citing an inability to obtain compensation from the merchant. However, this rationale fails to address the fundamental issue of fraud and consumer protection. This transaction was predicated on fraudulent misrepresentation and materially misleading information. The perpetrators impersonated legitimate hotel staff and charged for non-existent services. Given the nature of this scam, it is unreasonable to expect voluntary cooperation from the fraudulent merchant. This approach to dispute resolution appears fundamentally flawed and inadequate in protecting consumers from illegal activities. Basis for my dispute as below 1. Fraudulent Misrepresentation : - I made an online reservation directly with XXXX XXXX for XXXX XXXX in XXXX. I emailed XXXX XXXX XXXX on XX/XX/XXXX to confirm the reservation and request for two beds in each room but didnt hear back that day. - On XX/XX/XXXX, I inadvertently dialed an incorrect number and connected with a third party. - This third party falsely represented themselves as XXXX XXXX representatives. 2. Misleading Information : - The third party claimed my original online reservation was invalid due to occupancy limitations - They insisted immediate payment was required for extra beds to maintain the reservation. - This information was later proven false by actual XXXX XXXX representatives on XX/XX/XXXX and XX/XX/XXXX. 3. Non-existent Service : - XXXX XXXX confirmed that extra beds are subject to availability only and not a paid service on XX/XX/XXXX and XX/XX/XXXX. - Upon check-in, no extra beds were provided in our rooms. 4. Discrepancy with XXXX XXXX ' Policies : - XXXX XXXX offers free cancellation, free modification, and {$0.00} no-show penalties. - The third party 's charges were non-refundable, contrary to XXXX 's policies. 5. Prompt Action : - Within an hour of the transaction, I realized the error and contacted XXXX XXXX to confirm my reservation. - I initiated the dispute process with Citi immediately upon discovering the fraudulent nature of the transaction on XX/XX/XXXX. It is unjust for me to bear financial responsibility for services I did not receive, while the scammers profit from their illegal conduct. Your urgent attention to this matter is greatly appreciated. Thank you for your time and consideration. I look forward to your prompt response and resolution of this issue. I am attaching my correspondence with Citi Dispute department and happy to provide all the detailed documents.
Frequently Asked Questions
What is Complaint #10442095 about?
Complaint #10442095 was filed against Citibank, N.A. regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2024-10-13T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Citibank, N.A.?
Yes, visit the Citibank, N.A. company profile at readthecomplaint.com/company/citibank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.