Credit card -- Problem with a purchase shown on your statement -- Complaint #7845872
Complaint Overview
Complaint ID: 7845872
Company: Citibank, N.A.
Product: Credit card
Sub-Product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Card was charged for something you did not purchase with the card
State: California
ZIP Code: 96080
Date Received: 2023-11-13T12:00:00-05:00
Date Sent to Company: 2023-11-13T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XXXX I went to XXXX with my XXXX XXXX troop. We arrived on XX/XX/XXXX and left on XXXX on XXXX. On XX/XX/XXXX my troop was on a tour of the island. The tour guide told us to leave our bags on van since there was a high rate of theft on the beach we would be swimming with turtles. This was the only time my bag was not in my possesion. I believe during this time a couple of my XXXX XXXX XXXX XXXX, my debit card and my Home Depot card were copied by the tour guide. After I got back home I saw charges on my XXXX XXXX XXXX XXXX and bank card ( these have been reversed by those institutions ) and then, in XXXX, I received a bill showing that someone had used my Home Depot card to purchase {$5700.00} in merchandise, mainly generators and electrical eqiopment, it also showed a credit for these charges. The P.O. has a name of a person not on my account. I do not own any property on XXXX nor did I give anyone permission to use my account. I called Home Depot and was told their system was down and that I could not make a report at that time. The next week I received a new card and since the statement had shown a credit on my account against the charges I thoght the fraud had been caught and corrected. Later, in XXXX, I received a call from a business in XXXX letting me know that their business account had been used to pay the fraudulant charges. During that conversation the employee there and I discussed a number of fraudulant transactions that had occurred to both of us during that time period. she shared that hotel rooms had been paid for with their business account under the name of the tour guide from my island tour. After speaking with that business I made a report with XXXX P.D. who told me I would have to speak to my local P.D. since the thefts occurred after I left the state. I attempted toto make a report to Home Depot/Citibank but their online reporting system asks you to check the transaction that was fraudulant. Since the items showed thay were paid for 2 days later it would not let me make a fraud report on them. I had to choose the removal of the payment. all of the above information was included on that report. On XX/XX/XXXX I received a letter telling me that I had not proved fraud, and that I am responsible for all the charges on my account including late fees.
Frequently Asked Questions
What is Complaint #7845872 about?
Complaint #7845872 was filed against Citibank, N.A. regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2023-11-13T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with non-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) 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.