Consumer complaint received 2019-03-28
Company: CITIBANK, N.A.
State: TX
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:
XX/XX/XXXX XXXX XXXX and I split the cost of a XXXX XXXX  XXXX XXXX, XXXX XXXX from XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX XXXX. We each were charged {$8600.00} to our credit cards. XXXX used XXXX. I used Citi Mastercard. Unfortunately, XXXX XXXX had the car on consignment and went out of business without putting the title our names or paying the owner of the car. XXXX and I submitted disputes to our respective credit card companies. Citi assigned my dispute # XXXX. Both credit card companies refunded the money temporarily pending an investigation. XXXX made XXXX refund final in XXXX. I called Citi a couple dozen time inquiring about the dispute. Citi sent me emails XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, each time requesting the same information about the dealer. I responded promptly each time that the dealership was closed and the owner was arrested. Citi reversed my refund XX/XX/XXXX stating the bank sent a dispute and sent me an email asking when I had try to return the car. So we return the car to the owner XX/XX/XXXX. Then Citi informed me the refund reversal was final because we had not returned the car to the dealer. How are we supposed to return a car to a dealer that is out of business? If the dealer was in business, then they would have paid the cars owner and we would have gotten the title!!! 


========TIMELINE======= - XX/XX/XXXX XXXX XXXX and I split the cost of a XXXX XXXX  XXXX XXXX, XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX. We each were charged {$8600.00} to our credit cards. XXXX used XXXX. I used Citi Mastercard. 
XXXX XX/XX/XXXX I called XXXX XXXX because our 30 day tag expired and we hadnt received the permanent tag. I was told they would resubmit the paperwork and mail us another 30 day tag. 
- XX/XX/XXXX I called XXXX XXXX because our second 30 day tag expired and we still hadnt received the permanent tag. Their recording said they were out of business. 
- XX/XX/XXXX I went to the DMV. They told me the temporary tag was in our names, but the title was still in the original owners name, XXXX???. XXXX XXXX had the car on consignment. The DMV gave me the number to the DMS ( deal complaint ), XXXX. 
- XX/XX/XXXX I called XXXX. They said they had already received many calls from people regarding XXXX XXXX and said they would get back to me. I left several messages on the next week or more. 
- XXXX? XXXX XXXX drove to the DMS office at XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX . He spoke to XXXX XXXX of the Florida HSMV. 
- XX/XX/XXXX XXXX and I submitted disputes to our respective credit card companies regarding the dispute. They sent us forms to fill out and request supporting documentation. 
- XX/XX/XXXX XXXX provided us an email explaining his office has submitted an administrative action to XXXX with an intent to revoke the XXXX XXXX license. 
- XX/XX/XXXX I submitted my dispute for {$8600.00}, purchase agreement and XXXX email. Citi assigned my dispute # XXXX. 
- XX/XX/XXXX Citi refunded my money temporarily pending an investigation. 
- XXXX? XXXX XXXX credit card company, XXXX, made his refund permanent. 
- XX/XX/XXXX Citi sent me an email requesting information. 
- XX/XX/XXXX Citi sent me an email requesting information. 
- XX/XX/XXXX Citi sent me an email requesting information. 
- XX/XX/XXXX Citi sent me an email requesting information. 
- XX/XX/XXXX Citi reversed my refund. 
- XX/XX/XXXX We returned the car the owner, 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