Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5733825
Complaint Overview
Complaint ID: 5733825
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: Card was charged for something you did not purchase with the card
State: North Carolina
ZIP Code: 28078
Date Received: 2022-07-04T12:00:00-05:00
Date Sent to Company: 2022-07-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
In XXXX we traveled to the XXXX XXXX for vacation. While there, our CitiCard/CitiBank credit card was used against our will ; we were detained by a manager of a resort who used our card to process a payment for the entire resort stay, even though it had been prepaid in advance. We were held against our will for several hours, missed our flight back to the XXXX and were threated with being arrested if we didn't allow the manager to process the credit card with the fraudulent charge. The card was charged, and we were released. As soon as I was in a van heading to the airport I contacted CITI to advise we had been blackmailed and forced to use the card. Citibank said they would look into it, but eventually said they would not reverse the fraudulent charge. We advised Citi we were not going to pay for a fraudulent charge, and that this was covered under the terms of our credit agreement with them. A few months later, I lost my job when my employer closed their business. I contacted all of my creditors to make payment arrangement, including Citi. All other creditors agreed to close my account, stop interest accrual and accept payments for the balance. Citi refused to make any concession and because they refused to remove any of the fraudulent charges made in the XXXX I decided to use my limited resources to pay the creditors who were trying to work with me. Since the beginning of XXXX I've been working full time, and my income has increased substantially over the years. I have attempted several times to contact Citi to try to negotiate payment of the charge off, but they do not have the account and can not provide me with any information about who the account has been sold to. They continue to report the CO on my credit under their own name, with no information about who owns the debt. This is negatively impacting my credit and my business.
Frequently Asked Questions
What is Complaint #5733825 about?
Complaint #5733825 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 2022-07-04T12:00:00-05:00.
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.