Consumer complaint received 2024-01-05
Company: CITIBANK, N.A.
State: NY
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

Complaint:
I went to buy a car at XXXX XXXX in XXXX on XX/XX/XXXX. XXXX XXXX said they had an XXXX but they did not have a VIN ( vehicle identification number ). They told me to call in the morning, on XX/XX/XXXX the next morning they still did not have a VIN or a vehicle. I immediately canceled the contract with XXXX XXXX on XX/XX/XXXX. XXXX XXXX refunded the {$1000.00} with Citibank on XX/XX/XXXX ( see attached documentation ). I then went ahead and purchase a XXXX XXXX from XXXX XXXX on XXXX XXXX. 

Citibank continued to charge me for my refunded {$1000.00} from the XXXX XXXX XXXX XXXX  XXXX. Citibank put this in dispute at least four times ( during which I was called dozens of times ). In that time frame I spoke with various managers ( XXXX, XXXX and numerous other supervisors ). All of the supervisors said it would get resolved but it never did. 

During this time frame I would receive calls from collections agents telling me I owed {$1000.00} plus finance charges and late fees. I paid all of my other debts that were owed to Citibank. The only charge left is the {$1000.00} plus fees it accrued. 

I have also contacted XXXX through the phone and on the website with a lengthy complaint against Citibank. I am still waiting for their response to this day. I also contacted the XXXX  State Attorney General and was told Citibank was unresponsive and they suggested that I contact the CFPB ( XXXX XXXX XXXX XXXX ). This erroneous charge has been a tremendous strain on my marriage, my business and has triggered my XXXX. My mortgage broker after reviewing my credit, suggested that I should not apply for a mortgage because of the damage Citibank has done. 

I have requested numerous times for Citibank to send me in writing a copy of the supposed contract that this is a recurring charge or any documentation that states why I am being charged {$1000.00} ( receipt attached ). They have refused to send me anything in writing and have disregarded my requests. I was also told by Citibank that XXXX XXXX refuses to credit back the funds. As you well know when the credit card machine is batched out at the end of the evening all refunds are credited back to the cards. The money was sent back to Citibank within three days. 

As of this date XX/XX/XXXX I still have no contract from XXXX XXXX or Citibank that states what the charge is for, what billing cycle it is on or when this contract supposedly ends. As previously stated there is no contract from XXXX XXXX because I did not purchase a car there. There is no maintenance agreement for the car that doesnt exist. XXXX XXXX themselves stated this. Prior to this debacle my credit score was XXXX and last I checked it went down XXXX points to XXXX. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief