Consumer complaint received 2022-11-03
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid 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:
A Charge with XXXX XXXX XXXX XXXX has special pricing contract with XXXX XXXX XXXX because involved with a claim on car accident. Promises made by XXXX were not honored by XXXX. Then when car returned charges were far higher than what was arranged via XXXX XXXX contract they have. Its a bait and switch open end fraud that XXXX regularly engages in. When car returned they dont honor XXXX XXXX pricing but end up charging retail highest price. XXXX refused to provide detailed invoice in attempt to resolve. Called corporate and they all railroaded and blocked me from any invoice and moved forward to charge credit card. I had no other choice than to file a dispute via credit card and Citibank. Boy o Boy was I mistaken that Citi would back me up. 

I proceeded to dispute to ask Citi to assist in obtaining the invoice to attempt to resolve. Dispute opened XX/XX/2022, response to Citi via there email XX/XX/2022 to there Billing disputes email. I have proof it went through. Citi is motivated by always saying " we tried to reach you but you never responded '' ... This is a total lie and can be proven that response by email exists on XX/XX/2022. Citi has a pattern of claiming that cardholder fails to respond. I have seen this response before that its a fraudulent pattern of portraying that cardholder doesn't respond, Please investigate. There Citi App has alert sign up but its intentionally being blocked to make alerts easy to get. When getting alerted is impossible, non existent or very difficult to meet the dates and then Citi regularly default 's that that cardholder didn't respond. This default is Citi 's genuine desire. This is totally fabricated by Citi and they do not act in good faith. This is a pure example. The truth is they really don't want you to respond. They would rather make there files appear that they did everything but cardholder didn't respond. This is Bank Fraud and conspiracy to deprive a cardholder of there federal rights to dispute a transaction and have a genuine portal and clear communication to help them resolve a false charge. Citi is corrupt and this is surely a pattern. There is not a genuine attempt by Citi to comply with Federal Law to handle disputes. Rather they strangely always claim they are not getting a response from cardholder. Investigate Citi immediately. I responded XX/XX/2022. Citi makes excuses that its not legible or didn't receive which is total fabrication of the truth. They are hiding behind technology difficulties but the truth is they are intentionally not wanting you to be able to respond and make alert set up blocked on app and dont want an easy way to be alerted. This a similiar Bank stunt or fraud Banks engaged in with mortgage crisis. With that time " there claim would always be they didnt get the documents ''. Totally false and total play of client. Once XXXX responded with False invoice charges I wrote a 4 page letter sent to Citi XX/XX/2022 breaking all detail down and awaited response. I got no response because they had retroactively just closed out case and refused to admit to there intentional mishandling in a genuine good faith attempt to resolve. They have no proof of receiving email response sent to billing disputes email at Citi. They make excuses that they didn't get it, its not legible etc. I'm waiting for them to use the excuse there dog ate it. Investigate how many times they don't get response. Investigate how they block the cardholder alerts being set to ensure and better outcome. Its a conspiracy for sure. They want to look or appear like they complied but genuinely do not comply with Federal law and really seek to tell client to deal with merchant on there own.

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