Credit card -- Problem with a purchase shown on your statement -- Complaint #16302790
Citibank Resolves Store Credit Card Dispute with Monetary Relief
Complaint Overview
Complaint ID: 16302790
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: New Jersey
ZIP Code: 07052
Date Received: 2025-09-30T12:00:00-05:00
Date Sent to Company: 2025-10-01T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The low risk is due to the successful resolution with monetary relief, indicating the issue was addressed and compensated.
Consumer Sentiment: positive
Topics: Credit card dispute, Store credit card, Monetary relief
AI Analysis
CFPB complaint 16302790 was filed against CITIBANK, N.A. regarding Credit card (Store credit card), specifically about "Problem with a purchase shown on your statement". A New Jersey consumer's dispute with Citibank over a store credit card purchase on their statement was closed with monetary relief. The complaint was received on September 30, 2025 from New Jersey. The company responded with "Closed with monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should keep detailed records of all purchase disputes and communications with their credit card company.
Legal Context & Consumer Protection Laws
This case falls under consumer protection laws related to billing disputes and the Fair Credit Billing Act (FCBA).
Regulatory Insight
The monetary relief suggests the credit card company acknowledged fault or a valid dispute, highlighting the importance of timely and fair dispute resolution processes.
Resolution Likelihood
likely
State-Specific Consumer Protections
In New Jersey, consumers have rights regarding billing errors and disputes on credit card statements.
Industry Comparison
This situation is common in the credit card industry, where disputes over purchases are a regular occurrence.
Related Issues
Frequently Asked Questions
What is CFPB complaint 16302790 about?
CFPB complaint 16302790 involves Credit card (Store credit 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 September 30, 2025.
Which company is complaint 16302790 filed against?
Complaint 16302790 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 16302790?
CITIBANK, N.A. responded with "Closed with monetary relief". The response was marked as timely by the CFPB.
When was complaint 16302790 filed?
Complaint 16302790 was received by the CFPB on September 30, 2025. It was sent to CITIBANK, N.A. on October 1, 2025.
What state was complaint 16302790 filed from?
Complaint 16302790 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 16302790?
Dispute information is not available for complaint 16302790.
What product category is complaint 16302790 about?
Complaint 16302790 is categorized under "Credit card", specifically "Store credit card". This is one of the product categories tracked by the CFPB.
How was complaint 16302790 submitted?
Complaint 16302790 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 16302790?
This case falls under consumer protection laws related to billing disputes and the Fair Credit Billing Act (FCBA). This relates to a Credit card complaint against CITIBANK, N.A. involving "Problem with a purchase shown on your statement".
How likely is complaint 16302790 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 16302790?
This complaint is rated as low risk. The low risk is due to the successful resolution with monetary relief, indicating the issue was addressed and compensated.
What regulatory actions apply to complaint 16302790?
The monetary relief suggests the credit card company acknowledged fault or a valid dispute, highlighting the importance of timely and fair dispute resolution processes. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 16302790?
Consumers should keep detailed records of all purchase disputes and communications with their credit card company.
Are there state-specific protections for complaint 16302790?
In New Jersey, consumers have rights regarding billing errors and disputes on credit card statements. This complaint was filed from New Jersey.
How does complaint 16302790 compare to industry norms?
This situation is common in the credit card industry, where disputes over purchases are a regular occurrence.
What is the typical timeframe for a credit card company to resolve a billing dispute?
Under the Fair Credit Billing Act, credit card companies generally have two billing cycles, but no more than 90 days, to investigate and respond to a billing dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.