Credit card -- Problem with a purchase shown on your statement -- Complaint #9046452
Complaint Overview
Complaint ID: 9046452
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: Card was charged for something you did not purchase with the card
ZIP Code: XXXXX
Date Received: 2024-05-19T12:00:00-05:00
Date Sent to Company: 2024-05-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Sir/Madam, I am writing to formally lodge a complaint against Citibank concerning an unauthorized charge on my Citi Rewards+ Card. Below are the details of the issue : Citibank Checking Account Number : XXXX Unauthorized Transaction Amount : {$69.00} Transaction Date : XX/XX/2024 Merchant : XXXX XXXX XXXX On XX/XX/2024, my card was charged {$69.00} by the merchant XXXX XXXX XXXX. I did not make this purchase, and it appears that my card details were stolen and used without my knowledge. I filed a dispute with Citi Bank as soon as I noticed the charge, explaining that I did not make this transaction. Unfortunately, after their investigation, the bank concluded that the charge was my responsibility. This decision is not only unfair but also incorrect, as I was not in the United States at the time of the transaction. I am currently residing outside the country, making it impossible for me to have used the card for this purchase. The purchase was made to buy an air ticket from XXXX XXXX, which further substantiates my claim of fraud. It is clear that someone else used my card details without my permission. I am requesting the Consumer Financial Protection Bureau to intervene in this matter. The bank 's refusal to recognize this transaction as fraudulent and their insistence on holding me accountable for a charge I did not make is unjust. I seek your assistance in resolving this issue and ensuring that the unauthorized charge is removed from my account. Moreover, I am experiencing significant difficulties accessing the dispute summary file provided by Citibank. Every time I attempt to open the document through their website, I receive an error message stating, " Looks like this document is temporarily unavailable right now. Please try again later. '' This issue has persisted for an extended period, making it impossible for me to review or understand any information related to this dispute. I have attached Screenshot of this error along with this complaint. The mishandling of this dispute by Citibank has caused me considerable distress and inconvenience. Given these circumstances, I respectfully request the Consumer Financial Protection Bureau to intervene and help resolve this matter. I seek your assistance in ensuring that Citibank acknowledges this transaction as unauthorized and issues a refund for the disputed amount. Enclosed are copies of my correspondence with Citi Bank, including my initial dispute and their response. I am willing to provide any additional information or documentation that may be required to support my claim. Thank you for your attention to this matter. I am hopeful that the CFPB will be able to facilitate a fair resolution. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #9046452 about?
Complaint #9046452 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 2024-05-19T12:00:00-05:00.
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) 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.