Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #4824015
Complaint Overview
Complaint ID: 4824015
Company: Citibank, N.A.
Product: Credit card or prepaid 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: Virginia
ZIP Code: 22901
Date Received: 2021-10-19T12:00:00-05:00
Date Sent to Company: 2021-10-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hi, This is a complaint against Citi Bank credit cards. On XX/XX/XXXX I placed an order on XXXXcom for a device in the amount of {$220.00}. At the end of XXXX I asked the company for a refund, because the product had not been shipped. The customer service representative agreed to refund, but no refund was ever issued. So I contacted the credit card company and disputed the charge. They " investigated '' for about two months and a week ago they sent a letter saying that they will not refund me the money. So now, three months after the purchase date, I have no product and no refund. According to Citi Bank there is nothing I can do. I believe Citi Bank is violating the Fair Credit Billing Act. They don't provide consumers any protection against merchants who take their money and don't ship the products. Please let me know if there is anything you can do. I have attached the order invoice, and the letter from Citibank saying they will not reverse the charge. I have also attached the communication I had with the company asking them to cancel order and issue a refund. I have sent them several emails since XXXX, but there was no reply thus far. XXXX XXXX
Frequently Asked Questions
What is Complaint #4824015 about?
Complaint #4824015 was filed against Citibank, N.A. regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2021-10-19T12:00:00-05:00.
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 or prepaid 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.