Credit card -- Problem with a purchase shown on your statement -- Complaint #20284805
Complaint Overview
Complaint ID: 20284805
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: 32824
Date Received: 2026-03-15T12:00:00-05:00
Date Sent to Company: 2026-03-15T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint regarding how Citi handled a credit card dispute for a purchase in which I never received the merchandise. On XX/XX/year>, I purchased a dining table from XXXX XXXX for {$1600.00} using my Citi credit card. Shortly after placing the order, I canceled it. Despite the cancellation, the company refused to honor it. I ultimately never received the dining table, and the company subsequently filed for bankruptcy, leaving me without the furniture I paid for. Because I did not receive the goods, I filed a dispute with Citi. During the dispute process, Citi initially issued a conditional credit while they reviewed the case. However, I later learned that Citi had sent the payment to XXXX XXXX in error even though the order had been canceled and no merchandise was delivered. Approximately XXXX weeks after providing the conditional credit, Citi completed their review and determined that I am responsible for the charge. I do not understand this decision because no goods or services were ever received. I am requesting that Citi properly investigate this matter and permanently remove the {$1600.00} charge from my account, since the transaction did not result in the delivery of any merchandise and the order had been canceled.
Frequently Asked Questions
What is Complaint #20284805 about?
Complaint #20284805 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 2026-03-15T12:00:00-05:00.
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.