Credit card -- Problem with a purchase shown on your statement -- Complaint #17887404

Complaint Overview

Complaint ID: 17887404

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: California

ZIP Code: XXXXX

Date Received: 2025-11-24T12:00:00-05:00

Date Sent to Company: 2025-11-24T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Tags: Older American

Consumer Narrative

Because I had been defrauded by the same merchant for TWO charges-transaction on XX/XX/XXXX. After exhausting all efforts I filed a dispute with CITIBANK exactly one year later on XX/XX/XXXX. ( Again, this dispute was for TWO purchases from the same merchant in the amounts of {$100.00} and {$1600.00} exactly a year before on XX/XX/XXXX. ) Prior to filing with CITIBANK I filed complaints with : 1. The Medical Board of California, they suggested I file with the XXXX XXXX XXXX and California Attorney General, XXXX 2. The California Attorney General, XXXX XXXX-I filed on line and then verbally. and when I finally spoke with someone at this office they explained their enormous backlog of complaints and suggested I file with the XXXX XXXX XXXX ( XXXX ). 3. I filed with the XXXX who served the merchant twice. The merchant did not respond. I was then again suggested to file a dispute with my Citibank, the credit card on which I made the purchase. 4. I spoke with CITIBANK and filed documents via Certified Mail with CITIBANK on XX/XX/XXXX, one year to the date of the fraud these included : A. Two CITIBANK dispute forms ( the same merchant -there were two purchases ) on XX/XX/XXXX properly filled out and completely legible. B. I sent a copy of me letter that I wrote to the merchant on XX/XX/XXXX ( that according to the tracking number ) was received, yet never responded to. C.I sent my credit card receipt from the two purchases made on XX/XX/XXXX noting it was paid in full. 5. I received notice/request from the CITIBANK DISPUTES department requesting additional information. I responded by calling in a effort to prove that they already had this information. When after several very difficult phone conversation with numerous representative in the CITIBANK DISPUTES department. I encountered, bad phone connections, unintelligible foreign accents, loud background noise coming from other agents speaking with other callers, AND their REFUSAL TO CONNECT ME WITH AN AGENT IN THE UNITED STATES ) After my 3rd or 4th the DISPUTES DEPARTMENT acknowledged they had all of the required information. 6.On XX/XX/XXXX I received a notice -- both in writing and on line informing me that THE CLAIMS WERE DENIED. I called CITIBANK on XX/XX/XXXX and spoke with their supposedly stateside agent, XXXX. During the conversation XXXX offered to give me a complimentary {$100.00}, the charge for one my disputes, AND agreed to reopen the case. 7. I called CITIBANK DISPUTES the following week to check-up on the status of my promised to be re-opened case. I spoke with an agent who confirmed that it was reopened on XX/XX/XXXX. 8. On XX/XX/XXXX I received TWO an electronic communication from CITIBANK DISPUTES stating : YOU DISPUTE HAS BEEN RESOLVED 1 ) amount of {$100.00}. and 2 ) amount of {$1600.00} and providing a link to to read further. The link to the {$100.00} stated I had been given a credit. However, the link to the {$1600.00} stated that my claim had been denied. 9. On XX/XX/XXXX I called the CITIBANK DISPUTES department and strongly asserted to speak with an agent stateside. The person whom I was finally connected with, rudely informed me : " The dispute was filed ( XX/XX/XXXX ) after the one year statute of limitations for the transaction of XX/XX/XXXX had expired. '' When I explained the dispute was filed on XX/XX/XXXX, a year to the date AND then reopened opened by the CITIBANK DISPUTE DEPARTMENT on XX/XX/XXXX. Furthermore, that I was never told about any statute of limitations the agent raised his voice and repeated what he had said and clicked off the phone.

Frequently Asked Questions

Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

Related Pages

• Citibank, N.A. Company Profile
• Credit card Complaints
• Problem with a purchase shown on your statement Complaints
• California Complaints
• Company Rankings
• Company Directory
• Search Complaints