Consumer complaint received 2023-05-23
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
( 1st dispute ) as I disputed this, SEVERAL TIMES XXXX ( where I was advised to send the email ) Name : XXXX XXXX Subject : XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number : XXXX Acct number : XXXX Case # : XXXX Date : XX/XX/XXXX Amount : {$2700.00} ( XXXX  ) My account, ending in ( XXXX ) was COMPROMISED, whereas SOMEONE DISPUTED MY VALID TRANSACTIONS! Therefore, once I was made aware, I DISPUTED the FRAUDULENT DISPUTES! I received a provisional credit, in the amount of {$7800.00}, to make good, on the valid transactions, that were disputed, fraudulently! I requested that Citi please reverse this debit, on my account, as there was NOTHING, for me to provide, additionally, as they were requesting, considering the transactions were FRAUDULENT! All of the transactions that were submitted, were FRAUDULENT, & the majority of them, were handled, as such! However, the transaction ( s ) in question, was not handled, as FRAUD, because CitiBank requested ADDITIONAL DOCUMENTATION, which they did NOT request this, for the rest of the transactions, included in the claim! I was totally confused, & tried to provide SOMETHING, per their request, & got nowhere! My claim was DENIED and I APPEALED IT, SEVERAL TIMES, only to end up with my account CLOSED, due to this negative balance, stating that I owe {$2700.00}, along with NEGATIVE REPORTING, to XXXX XXXX! My FRAUDULENT CLAIM was handled, as a regular dispute, though it was FRAUD! 
XXXX XXXX Done by : XXXX ( whom I thought finally understood my situation, as I had the HARDEST TIME explaining this situation, OVER & OVER to Citi representatives , who barely spoke, nor comprehended XXXX ) XX/XX/XXXX Reference Number : XXXX Amount : {$2700.00} ( I thought he understood, & Id be getting REMEDY, but that NEVER HAPPENED ) COMPLAINT : Ive been trying to resolve a fraudulent issue, with my account, since XXXX, & have gotten NOWHERE!! Ive faxed, documents, as well as emailed them, & still, NOTHING!! Im prepared, to take this further, due to the incompetency, within this bank, when it comes to communication, & resolving issues, for customers! Every time I call, which is often, I have to explain the situation, to the representative, as if you guys dont utilize NOTES, that you can refer back to, so that the rep knows whats going on, & the customer, doesnt have to KEEP repeating themselves, hence I shouldnt have to constantly contact you, considering I was promised, a call, back, SEVERAL TIMES! I was given SEVERAL promises, for callbacks, from supervisors, in both the customer service department, AND the centralized disputes unit, & NEVER ACTUALLY GOT A CALL, BACK!! So, NO, I wouldnt refer ANYONE, to CitiBank! I am demanding that CitiBank COMPLETE A THOROUGH INVESTIGATION, to this dispute, pertaining to XXXX! I am NOT responsible, for this, as Ive expressed OVER & OVER that my account was COMPROMISED, & FRAUDULENT TRANSACTIONS were completed, on MY account! This had RUINED MY REPUTATION, as Im unable to open bank accounts, & ALWAYS DENIED CREDIT, due to this reporting of ACCOUNT ABUSE! CitiBank is KNOWINGLY reporting this INCORRECT INFORMATION, as Ive been DISPUTING THIS, from the start! My leasing office contacted me, advising that I had a balance due, as my rent payments were CHARGED BACK! I instantly contacted Citi, regarding this, making them WELL AWARE, that my account had been COMPROMISED!

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 explanation