Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #5820279
Complaint Overview
Complaint ID: 5820279
Company: Citibank, N.A.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Money was taken from your account on the wrong day or for the wrong amount
State: New York
ZIP Code: 11203
Date Received: 2022-07-28T12:00:00-05:00
Date Sent to Company: 2022-07-28T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I purchased an item online from XXXX. My account got charged a price higher than the price I confirmed. When I reached out to the merchant, letting them know that I did not want the item anymore because it was higher than the price agreed upon, the merchant forged some documentation showing that the price that I paid for the item was indeed the price listed for the product. When I brought to light that their response wasnt true, the merchant escalated my complaint to a higher department to address the issue. Instead of addressing my issue, the higher department simply said that I wasnt eligible for a refund. Mind you, at this time the product had not even been shipped to me yet. Because this was fraud, I contacted my bank. When I contacted Citibank in XXXX to open a dispute, they told me that they were going investigate my claim. They eventually closed my claim saying that they didnt have enough information on my part to substantiate my claim. When I found out that my claim was closed, I immediately contacted Citibank and told them that if they needed more information, all they had to do was contact me. I then demanded that they reopen my case by filing an appeal. In the appeal I attached all the emails between the merchant and I, which clearly showed that they REFUSED to address the fact that the price I agreed upon for the item was different from the price that I was charged. I just found out that Citibank sided with the merchant again. When I asked why, they told me that the merchant simply told them I wasnt eligible for a refund. THIS HAS NOTHING TO DO WITH THE FRAUD THAT OCCURRED. I WAS TOLD AN ITEM WAS ONE PRICE BUT CHARGED A WAY HIGHER PRICE. I CONTACTED THE COMPANY BEFORE THE ITEM WAS SHIPPED TO ME. THE COMPANY DISREGARDED MY COMPLAINT AND SHIPPED THE ITEM ANYWAY. THEY ALSO NEVER ADDRESSED ME BEING CHARGED A HIGHER PRICE!!!! HOW CAN MY COMPLAINT OF FRAUD ON THE MERCHANTS END BE DENIED WITHOUT EVER ADDRESSING WHY I WAS CHARGED A HIGHER PRICE?
Frequently Asked Questions
What is Complaint #5820279 about?
Complaint #5820279 was filed against Citibank, N.A. regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2022-07-28T12:00:00-05:00.
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 (Checking or savings account) 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.