Credit card -- Problem with a purchase shown on your statement -- Complaint #11909736
Citibank Resolves Unauthorized Purchase Dispute with Monetary Relief
Complaint Overview
Complaint ID: 11909736
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 Jersey
ZIP Code: 08872
Date Received: 2025-01-31T12:00:00-05:00
Date Sent to Company: 2025-02-03T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The risk is low as the issue was resolved with monetary relief, indicating the company addressed the unauthorized charge.
Consumer Sentiment: positive
Topics: Credit card fraud, Unauthorized charges, Billing disputes
AI Analysis
CFPB complaint 11909736 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 in New Jersey was charged for a purchase they did not make, and the issue was resolved with monetary relief. The complaint was received on January 31, 2025 from New Jersey. The company responded with "Closed with 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.
Legal Context & Consumer Protection Laws
This case falls under consumer protection laws related to billing errors and unauthorized transactions on credit cards.
Regulatory Insight
Companies must have robust systems to prevent and address unauthorized charges to comply with consumer financial protection regulations.
Resolution Likelihood
likely
State-Specific Consumer Protections
In New Jersey, consumers have legal recourse for billing errors and unauthorized charges on their credit cards.
Industry Comparison
This is a common issue across the credit card industry, with varying resolution times and outcomes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 11909736 about?
CFPB complaint 11909736 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 January 31, 2025.
Which company is complaint 11909736 filed against?
Complaint 11909736 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 11909736?
CITIBANK, N.A. responded with "Closed with monetary relief". The response was marked as timely by the CFPB.
When was complaint 11909736 filed?
Complaint 11909736 was received by the CFPB on January 31, 2025. It was sent to CITIBANK, N.A. on February 3, 2025.
What state was complaint 11909736 filed from?
Complaint 11909736 was filed from New Jersey. You can view all complaints from this state at /state/NJ.
Was the consumer satisfied with the resolution of complaint 11909736?
Dispute information is not available for complaint 11909736.
What product category is complaint 11909736 about?
Complaint 11909736 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 11909736 submitted?
Complaint 11909736 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 11909736?
This case falls under consumer protection laws related to billing errors and unauthorized transactions on credit cards. This relates to a Credit card complaint against CITIBANK, N.A. involving "Problem with a purchase shown on your statement".
How likely is complaint 11909736 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 11909736?
This complaint is rated as low risk. The risk is low as the issue was resolved with monetary relief, indicating the company addressed the unauthorized charge.
What regulatory actions apply to complaint 11909736?
Companies must have robust systems to prevent and address unauthorized charges to comply with consumer financial protection regulations. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 11909736?
Consumers should carefully review their credit card statements for any unfamiliar charges and dispute them promptly.
Are there state-specific protections for complaint 11909736?
In New Jersey, consumers have legal recourse for billing errors and unauthorized charges on their credit cards. This complaint was filed from New Jersey.
How does complaint 11909736 compare to industry norms?
This is a common issue across the credit card industry, with varying resolution times and outcomes.
What steps should a consumer take if they discover an unauthorized charge on their credit card?
Immediately contact the credit card issuer to report the unauthorized charge and initiate a dispute. Keep records of all communication.
What is the typical timeframe for resolving a credit card billing dispute?
While specific timeframes can vary, federal law provides consumers with rights regarding billing error resolution, often within one or two billing cycles.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.