Credit card -- Problem with a purchase shown on your statement -- Complaint #11346184
Citibank Customer Charged for Unrecognized Purchase, Issue Resolved Without Monetary Compensation
Complaint Overview
Complaint ID: 11346184
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: Card was charged for something you did not purchase with the card
State: New York
ZIP Code: 13148
Date Received: 2024-12-31T12:00:00-05:00
Date Sent to Company: 2024-12-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The consumer was charged for a transaction they claim they did not make, indicating a potential error in billing or unauthorized activity on their account.
Consumer Sentiment: neutral
Topics: Billing error, Unauthorized transaction, Credit card dispute
AI Analysis
CFPB complaint 11346184 was filed against CITIBANK, N.A. regarding Credit card (General-purpose credit card or charge card), specifically about "Problem with a purchase shown on your statement". A Citibank credit card holder reported being charged for a purchase they did not make, and the issue was closed with non-monetary relief. The complaint was received on December 31, 2024 from New York. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit card statements for any unfamiliar charges and dispute them promptly with the card issuer.
Legal Context & Consumer Protection Laws
This situation falls under consumer protection laws related to billing errors and unauthorized transactions on credit cards, such as the Fair Credit Billing Act.
Regulatory Insight
Card issuers must have robust systems to investigate disputed charges and prevent fraudulent activity, with non-monetary relief suggesting a resolution like removing the charge or improving security measures.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint was filed in New York, and the resolution indicates that while the specific charge may have been addressed, the underlying issue might not have resulted in a direct financial refund.
Industry Comparison
Credit card companies generally have dispute resolution processes, but the outcome can vary based on the nature of the charge and the evidence provided.
Related Issues
Frequently Asked Questions
What is CFPB complaint 11346184 about?
CFPB complaint 11346184 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Problem with a purchase shown on your statement", specifically "Card was charged for something you did not purchase with the card". This complaint was filed against CITIBANK, N.A. on December 31, 2024.
Which company is complaint 11346184 filed against?
Complaint 11346184 was filed against CITIBANK, N.A.. You can view all complaints against this company on their profile page at /company/citibank-n-a.
What was the company's response to complaint 11346184?
CITIBANK, N.A. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 11346184 filed?
Complaint 11346184 was received by the CFPB on December 31, 2024. It was sent to CITIBANK, N.A. on December 31, 2024.
What state was complaint 11346184 filed from?
Complaint 11346184 was filed from New York. You can view all complaints from this state at /state/NY.
Was the consumer satisfied with the resolution of complaint 11346184?
Dispute information is not available for complaint 11346184.
What product category is complaint 11346184 about?
Complaint 11346184 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 11346184 submitted?
Complaint 11346184 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 11346184?
This situation falls under consumer protection laws related to billing errors and unauthorized transactions on credit cards, such as the Fair Credit Billing Act. This relates to a Credit card complaint against CITIBANK, N.A. involving "Problem with a purchase shown on your statement".
How likely is complaint 11346184 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 11346184?
This complaint is rated as medium risk. The consumer was charged for a transaction they claim they did not make, indicating a potential error in billing or unauthorized activity on their account.
What regulatory actions apply to complaint 11346184?
Card issuers must have robust systems to investigate disputed charges and prevent fraudulent activity, with non-monetary relief suggesting a resolution like removing the charge or improving security measures. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 11346184?
Consumers should carefully review their credit card statements for any unfamiliar charges and dispute them promptly with the card issuer.
Are there state-specific protections for complaint 11346184?
The complaint was filed in New York, and the resolution indicates that while the specific charge may have been addressed, the underlying issue might not have resulted in a direct financial refund. This complaint was filed from New York.
How does complaint 11346184 compare to industry norms?
Credit card companies generally have dispute resolution processes, but the outcome can vary based on the nature of the charge and the evidence provided.
What constitutes 'non-monetary relief' in this context?
Non-monetary relief could include the removal of the disputed charge from the statement, an investigation into the transaction's origin, or improvements to account security, rather than a direct cash refund or credit.
What steps should the consumer take if they disagree with the non-monetary resolution?
If the consumer believes the resolution is inadequate, they can escalate the dispute within Citibank, file a complaint with the CFPB, or consult with a consumer protection agency.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.