Consumer complaint received 2023-01-04
Company: CITIBANK, N.A.
State: IN
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:
On XX/XX/XXXX, I purchased a package from XXXX XXXX, for the following : XXXX XXXX ANYWHERE IN US : XXXX XXXX XXXX XXXX from and to anywhere in the US ( XXXX must fly within your chosen cities ). 
3 Nights of hotel at a XXXX in your chosen city. 
{$250.00} Gift certificate to XXXX XXXX in your chosen city. 

XXXX XXXX operates a non-profit organization, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, A NONPROFIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX | VIRGINIA | XXXX | XXXX I was communicating with a XXXX XXXXXXXX director of public relation and external affairs. XXXX per a phone conversation week of XX/XX/XXXX, stated this was all a fraud. 
I have sent over 10 emails trying to get a response, but no one never respond back. I did get a response a couple of months after the purchase. I made the purchase with my Macy 's American Express card. All emails within four months of purchase indicated I would receive the package. I never did receive the package.

I have submitted numerous emails requesting my package.

I have also contact Macy 's American Express but have been told the time frame of filing a dispute has expired. I feel Macy 's did not conduct a proper investigation as I uploaded all email communication with the organization. I have over 20 emails requesting the package. This organization took money from a lot of Veterans. A search on XXXX shows this organization took money from Veterans to have parties and expensive trips. 

Can you assist me in a refund? 

Below is the response I received from Macy 's. 

Dear XXXX XXXX, Why we're writing you Thank you for your inquiry regarding the charge made at XXXX on XX/XX/XXXX in the amount of {$350.00}. Due to the amount of time that has elapsed since this charge was first billed, we no longer have recourse to obtain credit for this charge. 
We now consider this matter resolved and have completed our investigation. Any amount placed in dispute status has been removed. 
Some important information While we realize your account may be in good standing, Federal Regulations require us to remind you that we may report your account as past due to the consumer reporting agencies listed below if we do not receive the minimum payment by the due date shown on your billing statement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX How to contact us If you have additional questions regarding your account, our Representatives are available to assist you. Please contact us online at XXXX  or at the phone number below. 
Please know we made a sincere effort to address your concern and reach a resolution. 

Sincerely, Customer Service Phone : XXXX I am a retired XXXX Veteran living on a fix income. I was drafted after XXXX and received an injury. I begged and begged these people for my package or a refund. I still have all communicating emails.

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