Credit card -- Problem with a purchase shown on your statement -- Complaint #18428284
Citibank Fails to Resolve Credit Card Purchase Dispute
Complaint Overview
Complaint ID: 18428284
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: Florida
ZIP Code: 32163
Date Received: 2025-12-31T12:00:00-05:00
Date Sent to Company: 2026-01-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
The credit card company's failure to resolve a dispute about a purchase indicates a potential issue with their dispute resolution process, which could impact consumer trust and lead to further complaints.
Consumer Sentiment: negative
Topics: Credit card disputes, Purchase disputes, Consumer protection
AI Analysis
CFPB complaint 18428284 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 Citibank credit card holder in Florida disputed a purchase on their statement, but the credit card company did not resolve the dispute, leading to a closed explanation. The complaint was received on December 31, 2025 from Florida. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should meticulously document all communication and evidence related to a disputed purchase and be prepared to escalate the issue if the initial resolution is unsatisfactory.
Legal Context & Consumer Protection Laws
Under the Fair Credit Billing Act (FCBA), consumers have the right to dispute billing errors, including unauthorized charges or incorrect amounts, and credit card companies must investigate these disputes.
Regulatory Insight
This case highlights the importance of timely and effective dispute resolution by credit card issuers to comply with consumer protection regulations.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Florida, consumers have specific rights regarding credit card disputes, and this case suggests a potential gap in how those rights were upheld by the issuer.
Industry Comparison
While many credit card companies strive for efficient dispute resolution, some may fall short, leading to consumer dissatisfaction and regulatory scrutiny.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18428284 about?
CFPB complaint 18428284 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 December 31, 2025.
Which company is complaint 18428284 filed against?
Complaint 18428284 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 18428284?
CITIBANK, N.A. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18428284 filed?
Complaint 18428284 was received by the CFPB on December 31, 2025. It was sent to CITIBANK, N.A. on January 2, 2026.
What state was complaint 18428284 filed from?
Complaint 18428284 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 18428284?
Dispute information is not available for complaint 18428284.
What product category is complaint 18428284 about?
Complaint 18428284 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 18428284 submitted?
Complaint 18428284 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 18428284?
Under the Fair Credit Billing Act (FCBA), consumers have the right to dispute billing errors, including unauthorized charges or incorrect amounts, and credit card companies must investigate these disputes. This relates to a Credit card complaint against CITIBANK, N.A. involving "Problem with a purchase shown on your statement".
How likely is complaint 18428284 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 18428284?
This complaint is rated as medium risk. The credit card company's failure to resolve a dispute about a purchase indicates a potential issue with their dispute resolution process, which could impact consumer trust and lead to further complaints.
What regulatory actions apply to complaint 18428284?
This case highlights the importance of timely and effective dispute resolution by credit card issuers to comply with consumer protection regulations. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 18428284?
Consumers should meticulously document all communication and evidence related to a disputed purchase and be prepared to escalate the issue if the initial resolution is unsatisfactory.
Are there state-specific protections for complaint 18428284?
In Florida, consumers have specific rights regarding credit card disputes, and this case suggests a potential gap in how those rights were upheld by the issuer. This complaint was filed from Florida.
How does complaint 18428284 compare to industry norms?
While many credit card companies strive for efficient dispute resolution, some may fall short, leading to consumer dissatisfaction and regulatory scrutiny.
What are the typical timelines for a credit card company to resolve a purchase dispute?
Under the FCBA, credit card companies generally have two billing cycles, but no more than 90 days, to investigate and resolve a billing dispute after receiving proper notification.
What steps can a consumer take if their dispute is not resolved satisfactorily?
Consumers can escalate the complaint to higher levels within the credit card company, file a complaint with the CFPB, or consult with a consumer protection attorney.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.