Credit card -- Problem with a purchase shown on your statement -- Complaint #14380647
Complaint Overview
Complaint ID: 14380647
Company: Citibank, N.A.
Product: Credit card
Sub-Product: Store credit 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: 95350
Date Received: 2025-06-30T12:00:00-05:00
Date Sent to Company: 2025-07-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I purchased merchandise through Best Buys website using my Best Buy Visa Platinum credit card issued by Citibank. Best Buy selected the delivery carriers ( XXXX XXXX XXXX I did not choose them. On XX/XX/year>, the carriers claimed the package was delivered, but I never received it at my address. No signature was obtained. The only delivery evidence is a blurry photo that does not show my residence or confirm valid delivery. When I contacted Best Buy customer service, I was told I would receive a refund. I waited in good faith, but later Best Buy reversed their position and refused the refund. I filed a police report and disputed the charge with Best Buy, Citibank, and the credit bureaus. I escalated the dispute to the executive teams of Best Buy and Citibank, providing detailed evidence. Best Buy refused to reconsider, relying on a " destination contract '' that I was never provided at purchase or in any debt validation materials. Best Buy incorrectly claimed I chose the carrier, which is untrue. Best Buys internal policy does not override federal law or excuse failure to provide valid proof of delivery. Citibank accepted Best Buys position without conducting a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ) and reported inaccurate information to the credit bureaus. They failed to mark the account as disputed as required ( FCRA, 15 U.S.C. 1681s-2 ( a ) ( 3 ) ). XXXX XXXX XXXX attempted collection without providing new or meaningful debt validation and continued to call me despite being informed that I dispute the debt ( potential violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ) ). I disputed this inaccurate account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me mailed dispute results ( included ). XXXX did not provide mailed confirmation. The attached documents provide the timeline, communications, and evidence supporting my complaint.
Frequently Asked Questions
What is Complaint #14380647 about?
Complaint #14380647 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 2025-06-30T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.