Credit card -- Problem with a purchase shown on your statement -- Complaint #8362394
Complaint Overview
Complaint ID: 8362394
Company: Citibank, N.A.
Product: Credit 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 Hampshire
ZIP Code: 03038
Date Received: 2024-02-16T12:00:00-05:00
Date Sent to Company: 2024-02-21T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Around early XXXX 2023, I received calls from Citibank regarding my AT & T Universal XXXX Card, notifying me that my account was past due. I had not used this card in quite a while, so I had not been expecting any charges on this card and had not even been on the Citi card website in at least a year. I had used this card only in prior years only for a gym membership and a XXXX Subscription, which I had cancelled both around the beginning of 2023. The charge was for the XXXX renewal, in which I had previously notified XXXX, I no longer used the computer laptop and would not need this service. I disputed the charge with Citi and on XX/XX/2023 there was a reversal and security credit issued back to my account the {$100.00} bringing my balance back to zero and then {$100.00} back to my account again reversing the security credit back to charge me. This brought about a flurry of late fees etc., again and not used the card or been on my Citi account until another call for late payment from CitXXXX around XXXX. I disputed the charge again and the reversal of Citi charging me back again, stating XXXX should have cancelled any re-enrollment, and I do not have any XXXX service, a new download, or any other service or product from XXXX, because I do not even use the computer, I had it on anymore. Since then, Citi cancelled and reissued my Card, then cancelled card again when I called back the second time because of the reversing my credit charge, and now on a third credit card issued with the charge and fees accumulating. I have literally called at least XXXX times each time my inquiry gets transferred multiple times and they can not find any dispute of charges, when I have them giving me transaction numbers that I dont know if they are even real. Again today, I called and got nowhere. We are talking at least an hour, sometimes a lot longer on the phone every time.. I did finally get the first Update via US Mail dated XX/XX/2024 saying they are looking into the dispute with no information, claim number or anything else. It has my original card number last four numbers ( XXXX ), when the charge originated in XX/XX/XXXX, but I am actually on my third card cause they cancelled the card twice as described earlier. The problem I see is that these folks answering these calls do not understand XXXX well, as I can tell this when I am trying to have a conversation to explain the whole scenario on these charges and my multiple calls regarding this and me being under the impression that it is under review, when it has not. I do not want to ask if they can put someone on the phone that speaks XXXX, but I certainly believe its resulting in this issue not being adequately disputed if at all. I did call XXXX again on XX/XX/XXXX explaining that they did Bill me last XXXX when they should not have since I cancelled the auto enroll. They did say that they did cancel and refund that order, but I have no idea if this gets back to Citi. XXXX did say they see the charge and processed a full refund and stopped any subscription they till erroneously had me signed up for. The new XXXX Case number is Case # XXXX full refund that was for their original charge of {$100.00} that has grown under Citis late fees, etc. I can not even relay this update from XXXX to Citi, I tried call the number I have been given for disputes, they can not see the dispute, then bounced to another group, and have to start from scratch explaining this. My credit is excellent and I would have no problem paying for something if I owed the money. This is so frustrating and surely to my belief that its intentional. I can not even find a local Citi bank or someplace I could walk into to speak with someone. I will surely be cancelling this card altogether, but would like to get this fixed before I do so. I appreciate your attention to this matter and even if I could just get someone a little higher up than the call center representative to speak with and articulate these facts to, Im sure it would get resolved rather quickly. XXXX
Frequently Asked Questions
What is Complaint #8362394 about?
Complaint #8362394 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 2024-02-16T12:00:00-05:00.
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) 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.