Credit card -- Problem with a purchase shown on your statement -- Complaint #11914116
Citibank Fails to Resolve Credit Card Dispute, Leading to Monetary Relief
Complaint Overview
Complaint ID: 11914116
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: New Mexico
ZIP Code: 87104
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: medium
The company's initial failure to resolve the dispute suggests potential issues with their dispute resolution process, but the eventual monetary relief indicates a willingness to rectify the situation.
Consumer Sentiment: mixed
Topics: Credit card disputes, Billing errors, Consumer protection
AI Analysis
CFPB complaint 11914116 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 consumer disputed a purchase on their credit card statement with Citibank, but the company did not resolve the dispute, leading to a closed case with monetary relief. The complaint was received on January 31, 2025 from New Mexico. The company responded with "Closed with monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should diligently follow up on disputes and be prepared to escalate if initial attempts at resolution are unsuccessful.
Legal Context & Consumer Protection Laws
This case touches upon the Fair Credit Billing Act (FCBA), which provides consumers with rights regarding billing errors and disputes on credit card statements.
Regulatory Insight
The referral to another agency suggests that the CFPB may have forwarded the complaint for further investigation or resolution by a more specialized body.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originated in New Mexico (NM).
Industry Comparison
Credit card companies generally have established dispute resolution processes, but the effectiveness can vary, as seen in this case where initial resolution failed.
Related Issues
Frequently Asked Questions
What is CFPB complaint 11914116 about?
CFPB complaint 11914116 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 "Credit card company isn't resolving a dispute about a purchase on your statement". This complaint was filed against CITIBANK, N.A. on January 31, 2025.
Which company is complaint 11914116 filed against?
Complaint 11914116 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 11914116?
CITIBANK, N.A. responded with "Closed with monetary relief". The response was marked as timely by the CFPB.
When was complaint 11914116 filed?
Complaint 11914116 was received by the CFPB on January 31, 2025. It was sent to CITIBANK, N.A. on February 3, 2025.
What state was complaint 11914116 filed from?
Complaint 11914116 was filed from New Mexico. You can view all complaints from this state at /state/NM.
Was the consumer satisfied with the resolution of complaint 11914116?
Dispute information is not available for complaint 11914116.
What product category is complaint 11914116 about?
Complaint 11914116 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 11914116 submitted?
Complaint 11914116 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 11914116?
This case touches upon the Fair Credit Billing Act (FCBA), which provides consumers with rights regarding billing errors and disputes on credit card statements. This relates to a Credit card complaint against CITIBANK, N.A. involving "Problem with a purchase shown on your statement".
How likely is complaint 11914116 to be resolved?
Resolution likelihood: mixed. 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 11914116?
This complaint is rated as medium risk. The company's initial failure to resolve the dispute suggests potential issues with their dispute resolution process, but the eventual monetary relief indicates a willingness to rectify the situation.
What regulatory actions apply to complaint 11914116?
The referral to another agency suggests that the CFPB may have forwarded the complaint for further investigation or resolution by a more specialized body. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 11914116?
Consumers should diligently follow up on disputes and be prepared to escalate if initial attempts at resolution are unsuccessful.
Are there state-specific protections for complaint 11914116?
The complaint originated in New Mexico (NM). This complaint was filed from New Mexico.
How does complaint 11914116 compare to industry norms?
Credit card companies generally have established dispute resolution processes, but the effectiveness can vary, as seen in this case where initial resolution failed.
What specific steps did the consumer take to dispute the purchase before it was closed with monetary relief?
The provided data indicates the consumer disputed a purchase, but the specific steps taken are not detailed. The resolution suggests the consumer likely provided evidence and followed the company's dispute process.
What does 'Closed with monetary relief' signify in this context?
This means the consumer received some form of financial compensation or adjustment to their account as a resolution to their complaint, indicating the dispute was at least partially validated.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.