Credit card -- Problem with a purchase shown on your statement -- Complaint #19117676
Complaint Overview
Complaint ID: 19117676
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: Pennsylvania
ZIP Code: 170XX
Date Received: 2026-01-29T12:00:00-05:00
Date Sent to Company: 2026-01-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against Citibank regarding a merchant dispute ( Case ID : XXXX ) that was unfairly denied on XX/XX/XXXX. On XX/XX/XXXX, I ordered a pair of sunglasses from XXXX XXXX Per the merchant 's return policy, I returned the items, and they were officially delivered back to XXXX on XX/XX/XXXX. I have provided proof of delivery to both the merchant and Citibank. I opened a claim with XXXX ( Reference No : XXXX ) to request my refund. XXXX acknowledged receipt but stated it would take XXXX weeks to process the credit. Fearing the expiration of my dispute rights under the Fair Credit Billing Act ( FCBA ), I proactively opened a dispute with Citibank on XX/XX/XXXX. On XX/XX/XXXX, Citibank denied my claim, stating they " no longer have any recourse to obtain credit '' because the timeframe for resolving the dispute had passed. This is a violation of my consumer rights under the FCBA for the following reasons : Timely Notification : I notified Citibank of the billing error ( a missing credit for a return ) on XX/XX/XXXX, which is well within the XXXX window of the original charge and within a month of the return being delivered. Merchant Cooperation : The merchant has acknowledged the return but is withholding funds beyond a reasonable timeframe ( XXXX weeks ). Failure to Investigate : Citibank 's claim that the timeframe " has passed '' is inaccurate, as the dispute was initiated promptly. Under the FCBA, the creditor must resolve the dispute within XXXX billing cycles or XXXX days. Desired Resolution : I am seeking a full refund of the disputed amount, as the merchant is in possession of the returned goods and has failed to issue the promised credit. I also request that any interest or fees associated with this disputed amount be reversed.
Frequently Asked Questions
What is Complaint #19117676 about?
Complaint #19117676 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 2026-01-29T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with explanation". 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.