Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #6809551
Complaint Overview
Complaint ID: 6809551
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: Nevada
ZIP Code: 89131
Date Received: 2023-04-07T12:00:00-05:00
Date Sent to Company: 2023-04-07T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/XXXX, I was notified by Citi that a payment was due on my Citi credit card. I hadn't made a transaction on this credit card since XX/XX/XXXX and the account was paid in full with a XXXX balance. I immediately reviewed my account and saw that there were transactions that I did not recognize. There were twelve transactions ranging in dates from XX/XX/XXXX to XX/XX/XXXX. The total amount of the transactions was {$5600.00}. The location of all twelve transactions was XXXX, Indiana. They are : XX/XX/XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX {$270.00} XX/XX/XXXX XXXX {$510.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} I contacted Citi immediately to report the unauthorized charges. Citi opened a fraud case. On XX/XX/XXXX, I contacted Citi and they asked me a series of questions. I received a letter on XX/XX/XXXX from Citi that was dated XX/XX/XXXX. This letter was a notification that " Your dispute ( s ) has been closed ''. The letter said, " We've completed our investigation and your dispute ( s ) is now closed. The card 's EMV chip was used to make the disputed transaction ( s ) at a chip enabled card reader. You verified that your card was in your possession at the time of the transaction ( s ), so we don't consider this fraudulent activity. The charge ( s ) totaling {$5600.00} will remain on your account, under your account activity. '' I have never been to XXXX, Indiana and was not in XXXX to make these transactions. I can prove my location through work records and travel receipts.
Frequently Asked Questions
What is Complaint #6809551 about?
Complaint #6809551 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 2023-04-07T12:00:00-05:00.
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.