Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #6519036
Complaint Overview
Complaint ID: 6519036
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: Ohio
ZIP Code: 440XX
Date Received: 2023-02-01T12:00:00-05:00
Date Sent to Company: 2023-02-01T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Citi has repeatedly assured me that credit resulting from a fraud investigation will be issued, but has failed to apply the credit and layered additional incorrect charges on top of it. Fraudulent XXXX purchases totaling {$6900.00} on our Costco Anywhere Visa were detected by the Citi system XX/XX/XXXX. I immediately responded by disputing the charges and the card was closed. XXXX issued partial credits of {$5800.00} on XX/XX/XXXX and {$120.00} on XX/XX/XXXX. However, reverse charges issued by Citi on XX/XX/XXXX totaled {$8800.00}. The result is a difference of {$2800.00} between the credits and the reversed charges. Several of the XX/XX/XXXX reverse charges appear to have been applied incorrectly ; for example, there are three reverse charges of three different amounts all with the same ID. I spoke with Citi representatives in the Security Operations Department on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, including two supervisors. I was told each time that some action was being taken sending it back to the original investigator, reopening it, doing an internal audit, and submitting a report were the various actions described. Each time I was told to call back in a few days to allow time for credits to appear. On XX/XX/XXXX an item simply called Credit appeared on my account that looked like progress. But it was incorrectly applied as a charge, not a credit ( and with a strange XX/XX/XXXX date ). Now the original difference of {$2800.00} plus this incorrect {$1800.00} charge need to be credited to the account, for a total of {$4600.00}.
Frequently Asked Questions
What is Complaint #6519036 about?
Complaint #6519036 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 2023-02-01T12:00:00-05:00.
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 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.