Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5614026
Complaint Overview
Complaint ID: 5614026
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: New York
ZIP Code: 11375
Date Received: 2022-05-30T12:00:00-05:00
Date Sent to Company: 2022-05-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is in regard to a billing error on my AT & T Universal Card account ending in XXXX that have never been handled properly by your dispute department. I purchased a XXXX airline ticket on XX/XX/XXXX for {$5000.00} with my AT & T Universal card. The ticket was later cancelled and a request for refund was made. The issue of the refund was confirmed by XXXX, and they mentioned that the refund may take up to 2 billing cycles to post back to my credit card. After waiting for 2 billing cycles, nothing post to my account, even until now. I reported the missing credit to Citi on XX/XX/XXXX. They opened a dispute case XXXX and asked for support documents. Then on XX/XX/XXXX, they send me a letter saying that they were unable to help, due to the age of the charge, which they meant they need my dispute to be reported to them within sixty days of the merchants charge on XX/XX/XXXX. The fact is that the charge on XX/XX/XXXX is a valid charge and I am not disputing that or ask a chargeback from the merchant. According to the merchant, they had issue a credit but that credit somehow did not show up in my account. Since that credit takes up to 2 billing cycles to appear, I waited to dispute it until I received my XXXX statement when did not see the credit. According to the Fair Credit Billing Act USCODE sec1666 section ( b ) ( 4 ), billing errors include The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. This is not the same thing as asking for a charge back from the merchant. And the dispute was made within sixty days when I can tell there was an error. Your dispute department did not seem to understand this at all. I have experience with them keep saying for half a year that merchant has issue a credit whereas that credit was never found in my account. I hope you can explain to me whether you have receive a credit from merchant while the merchant had confirmed that have issue a credit.
Frequently Asked Questions
What is Complaint #5614026 about?
Complaint #5614026 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 2022-05-30T12:00:00-05:00.
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.