Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #7123725
Complaint Overview
Complaint ID: 7123725
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: New York
ZIP Code: 11234
Date Received: 2023-06-15T12:00:00-05:00
Date Sent to Company: 2023-06-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
So on XXXX I authorized a payment to a merchant that was advertising a rental property with the agreement that I would be refunded if I no longer was interested in the rental. However, with this merchant, they seemed suspicious because they were not compliant and back and forth with me when I asked for a video tour. They also repeatedly asked for money and that was when I was no longer interested in the property. I had asked for a refund multiple times and they kept stalling and told me they can not send me back the money because they did not have money in the account. They told me they will send me their personal information so that I log in and make the withdrawal myself. I refuse to click on any suspicious link nor do I want to make any withdrawal myself, I had asked many times to send the money back via trusted methods like XXXX, XXXX, etc but the merchant refused to. I have called and repeatedly explained my situation to Citi that I am requesting a chargeback due to never receiving the service the merchant provided. In the beginning, it was reported as a fraud to which the bank concluded that it was not a fraud. So I try to reopen the dispute and they kept telling me that they have already made multiple contacts with the merchant and that the only way is to ask them to refund me. I've told them many times that I have already tried. Also about them sending me a suspicious link and making the withdrawal myself. They have never asked me for any proof either because I have proof of the entire conversation between the merchant. I kept calling because this issue is really frustrating. Finally, someone in the bank said that the investigation has reopened and that I just have to wait however, I do not see an update on my bank account yet. Usually, when a dispute is ongoing, you can track the status. I am writing this complaint because I am unsure if they have reopened the investigation or if they are just saying that so I don't have to be dealt with. Currently, my statement is about to be due soon in a few weeks and I have been trying to resolve this issue for 2 months now. I do not want to have to pay for something I have not received and also for someone to receive money from being a fraud/scammer.
Frequently Asked Questions
What is Complaint #7123725 about?
Complaint #7123725 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 2023-06-15T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with explanation". 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.