Consumer complaint received 2021-05-20
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2021 Citibank XXXX XXXX  XXXX XXXX XXXX, SD XXXX Account XXXX Account typeCredit Card Balance {$4800.00} Account XXXX Account typeCredit Card Balance {$8400.00} Account XXXX Account typeCredit Card Balance {$730.00} Dear Sir or Madam : I have been attempting to get my account corrected due to billing errors. As you are aware I am not responsible for unauthorized charges that exceed {$50.00}. 
The bills that I have received are excessive and do not have knowledge of the amounts requested as I did not receive goods for exchange of the amount paid. 
When I have made calls or contacted the company it has been a challenge as it becomes a argument around timeframes and when I contacted your credit card for the amount being charged. 
I am asking for a full explanation along with written proof of purchase for the entire bill. 
As a consumer I am exercising my right under thee consumer protections that are afforded to me under the Fair Credit Reporting Act. 
I have sent your company a letter to address the bill and to date I have yet to receive a response. Only the demand for payment for purchases that I have not made. 
This is a formal complaint which was not acknowledged by your company and I am hereby demanding that a formal investigation be reviewed into my account. I do have rights and if your company takes actions such as closing my account or restricting my account this is not only unethical but should not be done. 
I have been a victim of identity theft which includes the cards that have a balance. If your company impacts my credit rating, reports me as delinquent as I found out you have it violates my FCBA rights. I am formally challenging the bill. In addition, the actions that you as my creditor have taken as I challenge my bill are discriminatory as I am exercising my rights in good faith under the FCBA. 
I am demanding that as my creditor provide me in writing the corrections that will be made to my account. In addition, to crediting the account the finance charges, late fees, or other charges to the errors. 
At this point the company has not investigated the charges on the card. I am asking for all relevant documents with signatures that prove that I owe the money requested because of my dispute. 
If your bills are the result of the investigation I disagree with your investigation. The present status is that I dispute the amount owed and have advised the company as such. I do not appreciate the threats and position taken on my account with no response. Im demanding a immediate review so that this is resolved and corrected with the bureaus. 
At this point your company has failed to follow the settlement procedure for the disputed amounts. I have advised the company in writing. It has taken more than two billing cycles to resolve the dispute and the require that the letter be acknowledged my complaint. 
I have provided complaints about the quality of good and services in the past yet they also went ignored. I await your response to the proof of purchase, and advise on the problems that I advised on the quality of the goods delivered or that did not arrive. 
This request is to correct the matter or I will have to ask for help from the FTC. I am being harmed and it was reflected in my credit report. 
If you have concrete proof that I am responsible for this debt, mail me the documents that make you believe that. I contest that the bill of lading is correct so in the event that this matter goes forward I do have proof of letters being sent for correction. I am hereby am demanding that you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. I am hereby requesting that the credit bureau are corrected, the credit report that the debt is disputed. 

I am hereby respectfully asking for this to be completed and acknowledged as it was ignored previously. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, 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 explanation