Credit card -- Problem with a purchase shown on your statement -- Complaint #17971767
Complaint Overview
Complaint ID: 17971767
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 York
ZIP Code: 11354
Date Received: 2025-11-27T12:00:00-05:00
Date Sent to Company: 2025-11-27T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am disputing a {$460.00} unauthorized transaction on my Citi credit card ending in XXXX. I want to make it clear that the issue is NOT about the opening of the account. The account may have been opened by me, but the transaction itself was absolutely NOT authorized by me. Here are the facts : I live in XXXX XXXX but the unauthorized transaction was made in XXXX XXXX, XXXX at : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX I have never been to XXXX XXXX and did not make this purchase. My XXXX mailbox was found unlocked, and my building posted warnings that the XXXX master key was stolen. Mail theft is an ongoing issue. I received a Citi fraud alert for this transaction and selected Not Me. I immediately called Citibank to report the unauthorized charge. I did NOT have the physical credit card at the time of the transaction. I asked Citi to provide documentation such as the proof of purchase, payment source, receipt, or evidence used to determine liability, but Citi did not provide any of this information. Citibank closed the investigation incorrectly, stating : Payments were made from an account that belongs to you. This is not true, and Citi did not provide any proof. They closed the case without properly investigating the unauthorized transaction. Under the Fair Credit Billing Act ( FCBA ), I am not liable for charges that I did not authorize. I am requesting that CFPB require Citibank to : 1. Reopen the fraud investigation, 2. Provide documentation supporting their decision, 3. Remove the {$460.00} unauthorized charge, 4. Reverse any related interest or fees, 5. Ensure no negative credit reporting occurs. Thank you for your assistance.
Frequently Asked Questions
What is Complaint #17971767 about?
Complaint #17971767 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 2025-11-27T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with 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.