Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #7053816

Complaint Overview

Complaint ID: 7053816

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: North Carolina

ZIP Code: 28173

Date Received: 2023-05-31T12:00:00-05:00

Date Sent to Company: 2023-05-31T12:00:00-05:00

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

This is in regards to billing dispute reference number XXXX at Citi. The details captured by Citi regarding the dispute are inaccurate, leading to an incorrect decision. I called on two separate occasions to clarify the events that led to this dispute, and it was still captured by Citi Disputes department incorrectly. I also submitted an executive complaint yesterday regarding this matter. The dispute was NOT a duplicate charge as stated by Citi. On XX/XX/XXXX, I received the text message attached and titled " text message XXXX '' asking if I attempted the purchase that I am disputing. I replied " 1 '' to indicate that it was me. Citi declined the transaction and advised me to retry. Not only did I receive this text message, but I also called Citi later on the evening of XX/XX/23 to ensure that repurchasing the tickets was the correct thing to do. I was advised to repurchase the tickets by the agent. So, I did. Several days later, I noticed that the original transaction had actually gone through, even though Citi had advised that it was declined. This is the nature of my dispute. I have been charged for two sets of three concert tickets. I received both sets of three. However, I only intended to purchase one set of three. Now, I have explained this scenario to Citi a minimum of 4 different times. I have also tried to call XXXX XXXX as advised by Citi. XXXX XXXX advised that they were going to put in a request to refund the money to be resolved within three business days, and I never received a resolution. When I tried to call them back, I could not get through to an agent, because my concert was not that night. The amount of time and effort I have already spent on trying to make this right is way too much. This is either 1 ) Citi 's fault for telling me that they declined a purchase that was actually approved or 2 XXXX XXXX XXXX 's fault for re-submitting a purchase that was declined by Citi. This charge is NOT my responsibility. Given that the concert is Saturday ( in 3 days ), and I am just now learning of this outcome, I have attempted to sell this set of tickets. I listed for higher than my purchase price, and have sold two tickets. However, due to XXXX XXXX fees, I will be receiving less per ticket than I actually paid per ticket. The amount I expect to net on the sale is between {$1000.00} and {$1100.00}, although it still has not hit my bank account yet. I would like for Citi to credit me for the difference due to the gross mishandling of this dispute ( total amount of the dispute is over {$2100.00} ). Then, they can take this matter up further with XXXX XXXX as they desire.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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