Consumer complaint received 2019-10-28
Company: CITIBANK, N.A.
State: GA
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:
XXXX Citi Billing Disputes XXXX XXXX XXXX ; $ XXXX*** Dispute Date : XX/XX/XXXX Credit Card # XXXX Dear Sir or Madam, I, XXXX XXXX XXXX is giving my writing authorization to CFPB representatives to investigate this claim on my behalf. 

It has been more than 10 months and I am still fighting this claim. On XX/XX/XXXX, I received the decline claim letter from Citibank ; however, this credit card company is not giving me the reasons for the decline. The letter stated : Since the services were rendered prior to my attempt to cancel and seek a refund, we can not assist. You will need to contact the merchant directly ... ( attachments 8-9 ) It seems that nobody has been reviewing my documents and doing an analysis. So, I do not agree with Citibank resolution and I want to escalate to CFPB DEPARTMENT for further investigation. So, I can get someone to review the documents submitted and get justice on my claim. 
The Truth in Lending Act is the federal law that gives consumers the legal right to dispute credit card charges if there is a billing error, it also includes when property or services are not delivered to the consumer as agreed. As I stated on previous letters to Citibank, I am not responsible to pay the {$5000.00} + all the interest and penalties for XXXX charge ; because I did not receive any services. Therefore, I will not pay. ( attachment 7 )  Citi Bank does not have the right to report on my credit a late payment for this charge. By law, they have to inform the consumer reporting agencies that this charge is DISPUTED BY THE CONSUMER. 

These are the Facts : 1.- I do not know XXXX. at all. I have never done any business with them. I have never applied or received services from XXXX.

2.- I have never provided my credit card account number to XXXX. representatives.

3.- I have not received a voucher, invoice, agreement or contract for any services with them. I am XXXX years old XXXX lady that do not take any classes at any college or institution.

4.- XXXX do not have any document proving that I received services from them. I requested through Citi Bank a receipt and the credit card company fail to provide me with a receipt, invoice or agreement for the {$5000.00} charged on my account on XX/XX/XXXX by XXXXXXXX The reasons are obvious. They do not have it.

5.- After an extensive research, I found out that XXXX. company does not exist physically. The address they have belongs to a Mall. The listed phone number is XXXX is just a recording machine. I left many messages, and nobody returned my calls. ( Attachment 12 ) 6.- As I stated many times, my credit card was used without my consent, I was in Per, XXXX XXXX , when my credit card was compromised. See my flight reservations and ticket from XXXX, proving that I traveled on XXXX XXXX, XXXX from XXXX to XXXX, my return flight was on XX/XX/XXXX. Also, see my passport seal of entry dates and my boarding passes. ( attachment 2,3,4,5, and 6 ) So, I never authorized anyone in XXXX to make charges on my credit card.

7.- XXXX and all companies are prohibited to take someone elses credit card for payments for services or merchandise that does not belong to them. This is an unauthorized transaction. 
The Federal Fair Credit Billing Act limits the maximum liability of a credit card owner is to {$50.00} for unauthorized transactions. 
8.-Mr. XXXX stated that he was forced to give my credit card to XXXX., just to hold his Job Placement ( He never get any job through XXXX ). However, he never authorizes to charge on this account. Furthermore, my credit card was decline on XX/XX/XXXX and this should be a red flag for the credit card company, to contact me right away, but Citibank failed to contact me and XXXX representative. Ms. XXXX made the charge, the next date. XX/XX/XXXX. ( See the attached email # 10 ) 9.- Mr. XXXX stated that he was SCAMMED by XXXX He has a police report, which stated that that XXXX representatives committed Theft by deception. ( See the police report, attachment 11 ) For the reasons explained above and under The Fair Credit Billing Act ( FCBA ) and Electronic Fund Transfer Act ( EFTA ) establish procedures for resolving mistakes on credit billing and electronic fund transfer account statements, including : charges or electronic fund transfers for which you request an explanation or documentation, due to a possible error. Therefore, since Citi Bank can not prove that this transaction is mine or authorized by me, the claim should resolve on my favor and remove the {$5000.00} charge on XX/XX/XXXX. 
It took me a lot effort to build an excellent credit and credibility, I do not have any late payments or bad notes on my credit report. ( See credit report attachments ) and I can not afford that a bad institution, like XXXX and Citibank destroy my credit and reputation. I will not pay for a charge I did not do. 

Sincerely, 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