Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #6663188
Complaint Overview
Complaint ID: 6663188
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: California
ZIP Code: 95112
Date Received: 2023-03-07T12:00:00-05:00
Date Sent to Company: 2023-03-07T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XXXX XX/XX/XXXX, I had lunch at XXXX XXXX in, XXXX XXXX, CA. I handed the server my credit card to pay which took him some time to bring it back to me with the receipt. I had not used my card anywhere else for almost a month after that. About 3 weeks later, I logged in to check my online account but the system asked me to update my password. I tried to update to a new password as requested, but the system would not approve the new passwords regardless of the number of attempts over the course of several days. The first week of XXXX, I attempted to log in again, and the same issue to update the password persisted. I contacted Citibank, where the representative tried to verify my account by validating specific transactions. I was surprised by the transactions she mentioned as I did not make them. The rep recommended closing the account and sending a replacement card with a new card number/ costco membership. I activated the new card on XX/XX/XXXX, where I was able to update to a new password to log into my online account. I was shocked to see that my credit card had been abused from XX/XX/XXXX to XX/XX/XXXX, where numerous charges at physical stores were made, maxing out my limit. During the span of XX/XX/XXXX to XX/XX/XXXX, Citibank never sent nor did I receive any fraud alerts ( texts, emails, phone calls ) ; nor did the credit card get blocked from the abnormal activities. The person also paid multiple times at different time frames for online identity/people searches, which makes me worried about my identity getting stolen. I am seeking an investigation into this financial crime to solve our dispute with Citibank and to find this credit card fraud abuser who was able to get a copy of my credit card and account information. As of XX/XX/XXXX, I contacted Citibank, where the representative stated that there was a card activation of the old card number ending in XXXX on XX/XX/XXXX. I am uncertain as to why Citibank would activate it again. Citi bank has failed to investigate this fairly, and arbitrarily declined all of our disputes stating that we are liable for all charges due to card still being in posession. In the age of information, many credit card abusers can make a copy of a EMV chip, steal credit card numbers and personal information from thin air. Citibank/ Costco did nothing to protect me from this fraudulent grand theft.
Frequently Asked Questions
What is Complaint #6663188 about?
Complaint #6663188 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 2023-03-07T12:00:00-05:00.
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.